South Plains Financial (SPFI) 10-Q 6 May 24 2024 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2024	May 02, 2024
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q1
Document Transition Report	false
Entity File Number	001-38895
Entity Registrant Name	South Plains Financial, Inc.
Entity Central Index Key	0001163668
Entity Incorporation, State or Country Code	TX
Entity Tax Identification Number	75-2453320
Entity Address, Address Line One	5219 City Bank Parkway
Entity Address, City or Town	Lubbock
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	79407
City Area Code	806
Local Phone Number	792-7101
Title of 12(b) Security	Common Stock, $1.00 par value per share
Trading Symbol	SPFI
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	true
Entity Ex Transition Period	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		16,419,362

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 41,273	$ 62,821
Interest-bearing deposits in banks	330,666	267,337
Cash and cash equivalents	371,939	330,158
Securities available for sale	599,869	622,762
Loans held for sale ($9,686 and $6,615 at fair value at March 31, 2024 and December 31, 2023, respectively)	15,751	14,499
Loans held for investment	3,011,799	3,014,153
Allowance for credit losses on loans	(42,174)	(42,356)
Loans held for investment, net	2,969,625	2,971,797
Accrued interest receivable	16,605	20,881
Premises and equipment, net	54,221	55,070
Bank-owned life insurance	74,879	74,504
Goodwill	19,315	19,315
Intangible assets, net	2,247	2,429
Mortgage servicing rights	26,843	26,569
Deferred tax asset, net	21,309	19,413
Other assets	46,390	47,396
Total assets	4,218,993	4,204,793
Deposits:
Noninterest-bearing	974,174	974,201
Interest-bearing	2,664,397	2,651,952
Total deposits	3,638,571	3,626,153
Accrued expenses and other liabilities	61,496	61,358
Subordinated debt	63,821	63,775
Junior subordinated deferrable interest debentures	46,393	46,393
Total liabilities	3,810,281	3,797,679
Stockholders' equity:
Common stock, $1.00 par value per share, 30,000,000 shares authorized; 16,431,755 and 16,417,099 issued and outstanding at March 31, 2024 and December 31, 2023, respectively	16,432	16,417
Additional paid-in capital	97,406	97,107
Retained earnings	354,011	345,264
Accumulated other comprehensive loss	(59,137)	(51,674)
Total stockholders' equity	408,712	407,114
Total liabilities and stockholders' equity	$ 4,218,993	$ 4,204,793

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Loans held for sale, fair value	$ 9,686	$ 6,615
Stockholders' equity:
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	30,000,000	30,000,000
Common stock, shares issued (in shares)	16,431,755	16,417,099
Common stock, shares outstanding (in shares)	16,431,755	16,417,099

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Loans, including fees	$ 48,932	$ 39,597
Securities:
Taxable	5,511	5,240
Non-taxable	809	1,116
Federal funds sold and interest-bearing deposits in banks	3,475	1,495
Total interest income	58,727	47,448
Interest expense:
Deposits	21,663	11,370
Subordinated debt	835	1,012
Junior subordinated deferrable interest debentures	861	751
Total interest expense	23,359	13,133
Net interest income	35,368	34,315
Provision for credit losses	830	1,010
Net interest income, after provision for credit losses	34,538	33,305
Noninterest income:
Service charges on deposit accounts	1,813	1,701
Income from insurance activities	34	1,411
Net gain on sales of loans	2,654	2,918
Bank card services and interchange fees	3,061	2,956
Other mortgage banking income (loss)	1,291	(633)
Investment commissions	434	389
Fiduciary fees	754	600
Other	1,368	1,349
Total noninterest income	11,409	10,691
Noninterest expense:
Salaries and employee benefits	18,988	19,254
Occupancy and equipment, net	3,920	3,832
Professional services	1,483	1,648
Marketing and development	754	936
IT and data services	990	864
Bank card expenses	1,397	1,352
Appraisal expenses	227	278
Other	4,171	4,197
Total noninterest expense	31,930	32,361
Income before income taxes	14,017	11,635
Income tax expense	3,143	2,391
Net income	$ 10,874	$ 9,244
Earnings per share:
Basic (in dollars per share)	$ 0.66	$ 0.54
Diluted (in dollars per share)	$ 0.64	$ 0.53
Net income	$ 10,874	$ 9,244
Other comprehensive income (loss):
Unrealized gains (losses) on securities available for sale	(10,832)	8,624
Less: Change in fair value on hedged state and municipal securities	1,385	(2,638)
Tax effect	1,984	(1,257)
Other comprehensive income (loss)	(7,463)	4,729
Comprehensive income	$ 3,411	$ 13,973

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Total	Cumulative Effect, Period of Adoption, Adjustment [Member] Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Additional Paid-in Capital [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Accumulated Other Comprehensive Income (Loss) [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at Dec. 31, 2022	$ 17,027	$ 112,834	$ 292,261	$ (65,108)	$ 357,014
Balance (ASU 2016-13 [Member]) at Dec. 31, 2022						$ 0	$ 0	$ (997)	$ 0	$ (997)
Balance (in shares) at Dec. 31, 2022	17,027,197
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	9,244	0	9,244
Cash dividends declared	0	0	(2,208)	0	(2,208)
Other comprehensive loss (income)	0	0	0	4,729	4,729
Exercise of employee stock options and vesting of restricted stock units, net of shares for cashless exercise and net of shares for taxes	$ 35	(378)	0	0	(343)
Exercise of employee stock options and vesting of restricted stock units, net of shares for cashless exercise and net of shares for taxes (in shares)	35,375
Stock-based compensation	$ 0	525	0	0	525
Balance at Mar. 31, 2023	$ 17,062	112,981	298,300	(60,379)	367,964
Balance (in shares) at Mar. 31, 2023	17,062,572
Balance at Dec. 31, 2023	$ 16,417	97,107	345,264	(51,674)	$ 407,114
Balance (in shares) at Dec. 31, 2023	16,417,099				16,417,099
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 0	0	10,874	0	$ 10,874
Cash dividends declared	0	0	(2,127)	0	(2,127)
Other comprehensive loss (income)	0	0	0	(7,463)	(7,463)
Exercise of employee stock options and vesting of restricted stock units, net of shares for cashless exercise and net of shares for taxes	$ 16	(148)	0	0	(132)
Exercise of employee stock options and vesting of restricted stock units, net of shares for cashless exercise and net of shares for taxes (in shares)	16,062
Repurchases of common stock	$ (1)	(34)	0	0	(35)
Repurchases of common stock (in shares)	(1,406)
Stock-based compensation	$ 0	481	0	0	481
Balance at Mar. 31, 2024	$ 16,432	$ 97,406	$ 354,011	$ (59,137)	$ 408,712
Balance (in shares) at Mar. 31, 2024	16,431,755				16,431,755

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY [Abstract]
Cash dividends, common (in dollars per share)	$ 0.13	$ 0.13
Exercise of employee stock options, shares for cashless exercise (in shares)	2,606	13,573
Exercise of employee stock options, shares for taxes (in shares)	4,675	13,892

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Cash flows from operating activities:
Net income	$ 10,874	$ 9,244
Adjustments to reconcile net income to net cash from operating activities:
Provision for credit losses	830	1,010
Depreciation and amortization	1,625	1,698
Accretion and amortization	594	991
Other gains, net	0	(79)
Net gain on sales of loans	(2,654)	(2,918)
Proceeds from sales of loans held for sale	69,962	86,893
Loans originated for sale	(68,779)	(74,291)
Deferred income tax expense	88	47
Earnings on bank-owned life insurance	(375)	(300)
Stock-based compensation	481	525
Change in valuation of mortgage servicing rights	(55)	1,950
Net change in:
Accrued interest receivable and other assets	6,496	609
Accrued expenses and other liabilities	73	(4)
Net cash provided by operating activities	19,160	25,375
Activity in securities available for sale:
Purchases	(299,849)	0
Maturities, prepayments, and calls	311,363	10,811
Loan originations and principal collections, net	1,027	(41,634)
Purchases of premises and equipment	(474)	(1,560)
Proceeds from sales of premises and equipment	0	642
Proceeds from sales of foreclosed assets	430	412
Net cash provided by (used in) investing activities	12,497	(31,329)
Cash flows from financing activities:
Net change in deposits	12,418	101,624
Payments to tax authorities for stock-based compensation	(132)	(343)
Cash dividends paid on common stock	(2,127)	(2,208)
Payments to repurchase common stock	(35)	0
Net cash provided by financing activities	10,124	99,073
Net change in cash and cash equivalents	41,781	93,119
Beginning cash and cash equivalents	330,158	234,883
Ending cash and cash equivalents	371,939	328,002
Supplemental disclosures of cash flow information:
Interest paid on deposits and borrowed funds	24,188	13,215
Income taxes paid	0	0
Supplemental schedule of noncash activities:
Loans transferred to foreclosed assets	380	445
Additions to mortgage servicing rights	$ 219	$ 271

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2024
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations The following were subsidiaries of SPFI as of March 31, 2024: Wholly-Owned, Consolidated Subsidiaries: City Bank Bank subsidiary Ruidoso Retail, Inc. Non-bank subsidiary CB Provence, LLC Non-bank subsidiary CBT Brushy Creek, LLC Non-bank subsidiary CBT Properties, LLC Non-bank subsidiary Wholly-Owned, Equity Method Subsidiaries: South Plains Financial Capital Trusts (“SPFCT”) III-V Non-bank subsidiaries On April 1, 2023, SPFI entered into a Securities Purchase Agreement (“Agreement”) with Alliant Insurance Services, Inc. (“Alliant”), providing for the sale of Windmark Insurance Agency, Inc. (“Windmark”), City Bank’s wholly-owned subsidiary, through a sale of all of the outstanding shares of capital stock of Windmark to Alliant. The transaction was consummated on April 1, 2023. Pursuant to the terms and subject to the conditions of the Agreement, SPFI received an aggregate purchase price of $36.1 million in exchange for Windmark’s common shares, representing a pre-tax gain of $33.8 million. This transaction did not meet the criteria for discontinued operations reporting. Basis of Presentation and Consolidation The consolidated financial statements in this Quarterly Report on Form 10-Q for the three months ended March 31, 2024 (this “Form 10-Q”) include the accounts of SPFI and its wholly-owned consolidated subsidiaries (collectively referred to as the “Company”) identified above. All significant intercompany balances and transactions have been eliminated in consolidation. The interim consolidated financial statements in this Form 10-Q have not been audited by an independent registered public accounting firm, but in the opinion of management, reflect all adjustments necessary for a fair presentation of the Company’s financial position, results of operations, and cash flows. All such adjustments were of a normal and recurring nature. The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with the instructions to Form 10-Q adopted by the Securities and Exchange Commission (“SEC”). Accordingly, the financial statements do not include all of the information and notes required by GAAP for complete financial statements and should be read in conjunction with the Company’s audited consolidated financial statements, and notes thereto in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023 as filed with the SEC on March 15, 2024 (the “2023 Annual Report on Form 10-K”). Use of Estimates (“ACL”) Recent Accounting Pronouncements ASU 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative. The amendments in this Update modify the disclosure or presentation requirements of a variety of Topics in the Codification. Certain of the amendments represent clarifications to, or technical corrections of the current requirements. Each amendment in the ASU will only become effective if the SEC removes the related disclosure or presentation requirement from its existing regulations by June 30, 2027. The amendments in this ASU are not expected to have a material impact on the results of operations or financial position. ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. The amendments in this Update require public entities to disclose information about reportable segments’ significant expenses on an interim and annual basis. This update is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The adoption of ASU 2023-07 is not expected to have a material effect on the Company’s financial statements. ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The amendments in this Update are intended to improve the transparency of income tax disclosures by requiring consistent categories and greater disaggregation of information in the rate reconciliation and income taxes paid disaggregated by jurisdiction. It also includes certain other amendments intended to improve the effectiveness of income tax disclosures. This update is effective for fiscal years beginning after December 15, 2024. The adoption of ASU 2023-09 is not expected to have a material effect on the Company’s financial statements. Subsequent Events – The Company has evaluated subsequent events and transactions from March 31, 2024 through the date this Form 10-Q was filed with the SEC for potential recognition or disclosure as required by GAAP.

SECURITIES

SECURITIES	3 Months Ended
	Mar. 31, 2024
SECURITIES [Abstract]
SECURITIES	2. SECURITIES The amortized cost, related gross unrealized gains and losses, : Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Allowance for Credit Losses Fair Value March 31 , 2024 Available for sale: State and municipal $ 201,459 $ 1 $ (23,812 ) $ — $ 177,648 Residential mortgage 344,258 — (59,093 ) — 285,165 Commercial mortgage-backed securities 47,576 — (6,722 ) — 40,854 Commercial collateralized 69,486 — (414 ) — 69,072 Asset-backed and other amortizing securities 17,990 — (1,661 ) — 16,329 Other securities 12,000 — (1,199 ) — 10,801 $ 692,769 $ 1 $ (92,901 ) $ — $ 599,869 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Allowance for Credit Losses Fair Value December 31 , 2023 Available for sale: State and municipal $ 202,814 $ 2 $ (22,241 ) $ — $ 180,575 Residential mortgage 351,251 — (50,547 ) — 300,704 Commercial mortgage-backed securities 47,898 — (6,150 ) — 41,748 Commercial collateralized 72,391 — (461 ) — 71,930 Asset-backed and other amortizing securities 18,476 — (1,436 ) — 17,040 Other securities 12,000 — (1,235 ) — 10,765 $ 704,830 $ 2 $ (82,070 ) $ — $ 622,762 The amortized cost and estimated fair value of securities at March 31, 2024 are presented below by contractual maturity (dollars in thousands). Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations. Declining-balance securities are shown separately since they are not due at a single maturity date. Available for Sale Amortized Cost Fair Value Within 1 year $ 409 $ 403 After 1 year through 5 years 6,380 6,198 After 5 years through 10 years 16,170 14,940 After 10 years 190,500 166,908 Declining-balance securities 479,310 411,420 $ 692,769 $ 599,869 At both March 31, 2024 and December 31, 2023, there were no holdings of securities of any one issuer, other than the U.S. government, its agencies, or its sponsored enterprises, in an amount greater than 10% of stockholders’ equity. Securities with a carrying value of approximately $425.6 million and $438.9 million at March 31, 2024 and December 31, 2023, respectively, were pledged to collateralize public deposits and for other purposes as required or permitted by law. The following table segregates securities with unrealized losses at the periods indicated, by the duration they have been in a loss position for which an allowance for credit losses has not been recorded (dollars in thousands): Less than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss March 31 , 2024 State and municipal $ 787 $ 1 $ 175,575 $ 23,811 $ 176,362 $ 23,812 Residential mortgage-backed securities 9 — 285,156 59,093 285,165 59,093 Commercial mortgage-backed securities — — 40,854 6,722 40,854 6,722 Commercial collateralized mortgage obligations — — 69,072 414 69,072 414 Asset-backed and other amortizing securities — — 16,328 1,661 16,328 1,661 Other securities 3,290 210 7,511 989 10,801 1,199 $ 4,086 $ 211 $ 594,496 $ 92,690 $ 598,582 $ 92,901 December 31 , 2023 State and municipal $ 207 $ — $ 177,908 $ 22,241 $ 178,115 $ 22,241 Residential mortgage-backed securities 9 — 300,695 50,547 300,704 50,547 Commercial mortgage-backed securities — — 41,748 6,150 41,748 6,150 Commercial collateralized mortgage obligations — — 71,930 461 71,930 461 Asset-backed and other amortizing securities — — 17,040 1,436 17,040 1,436 Other securities 3,286 214 7,479 1,021 10,765 1,235 $ 3,502 $ 214 $ 616,800 $ 81,856 $ 620,302 $ 82,070 There were 144 securities with an unrealized loss at March 31, 2024, generally due to increases in market rates. Management evaluates AFS securities in unrealized loss positions to determine whether the impairment is due to credit-related factors or non-credit related factors. Consideration is given to the extent to which the fair value is less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of the Company to retain its investment in the security for a period of time sufficient to allow for the anticipated recovery in fair value. Management does not have the intent to sell any of the securities in an unrealized loss position as there are adequate liquidity sources to meet expected and unexpected funding needs. The fair value of these securities is expected to recover as the securities approach their maturity date or repricing date or if market yields for such investments decline. Accordingly, as of March 31, 2024, management believes the unrealized loss positions detailed in the previous table are due to non-credit related factors, including changes in interest rates and other market conditions, and therefore no ACL or losses have been recognized or realized in the consolidated financial statements.

LOANS HELD FOR INVESTMENT

LOANS HELD FOR INVESTMENT	3 Months Ended
	Mar. 31, 2024
LOANS HELD FOR INVESTMENT [Abstract]
LOANS HELD FOR INVESTMENT	3. LOANS HELD FOR INVESTMENT Loans held for investment are summarized by category as of the periods presented below (dollars in thousands): March 31, 2024 December 31, 2023 Commercial real estate $ 1,110,283 $ 1,081,056 Commercial - specialized 351,546 372,376 Commercial - general 527,576 517,361 Consumer: 1-4 family residential 545,116 534,731 Auto loans 292,389 305,271 Other consumer 71,698 74,168 Construction 113,191 129,190 3,011,799 3,014,153 Allowance for credit on loans (42,174 ) (42,356 ) Loans, net $ 2,969,625 $ 2,971,797 The Company has certain lending policies, underwriting standards, and procedures in place that are designed to maximize loan income with an acceptable level of risk. Management reviews and approves these policies, underwriting standards, and procedures on a regular basis and makes changes as appropriate. Management receives frequent reports related to loan originations, quality, concentrations, delinquencies, non-performing, and potential problem loans. Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions, both by type of loan and geography. Commercial Real Estate Commercial – General and Specialized Consumer Construction The ACL for loans was $42.2 million at March 31, 2024 December 31, 2023 March 31, 2024 December 31, 2023 The following tables detail the activity in the ACL for loans for the periods indicated (dollars in thousands). Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. Beginning Balance Provision for Credit Losses (1) Charge-offs Recoveries Ending Balance For the three months ended March 31 , 2024 Commercial real estate $ 15,808 $ 62 $ (86 ) $ — $ 15,784 Commercial - specialized 4,020 (205 ) — 33 3,848 Commercial - general 6,391 659 (375 ) 33 6,708 Consumer: 1-4 family residential 9,177 273 (172 ) 2 9,280 Auto loans 3,601 (27 ) (224 ) 65 3,415 Other consumer 968 238 (282 ) 59 983 Construction 2,391 (235 ) — — 2,156 $ 42,356 $ 765 $ (1,139 ) $ 192 $ 42,174 (1) Beginning Balance Impact of CECL Adoption Provision for Credit Losses (1) Charge-offs Recoveries Ending Balance For the three months ended March 31 , 2023 Commercial real estate $ 13,029 $ 827 $ (475 ) $ — $ — $ 13,381 Commercial - specialized 3,425 33 (11 ) — 63 3,510 Commercial - general 9,215 (2,574 ) (237 ) (199 ) 62 6,267 Consumer: 1-4 family residential 6,194 1,700 635 — 2 8,531 Auto loans 3,926 (332 ) 298 (254 ) 76 3,714 Other consumer 1,376 (235 ) 68 (214 ) 106 1,101 Construction 2,123 683 522 (272 ) — 3,056 $ 39,288 $ 102 $ 800 $ (939 ) $ 309 $ 39,560 (1) The decrease in the provision for credit losses during the three months ended March 31, 2024, compared to the three months ended March 31, 2023, was primarily due to the change in unfunded loan commitments decreasing during the three months ended March 31, 2024 as compared to the three months ended March 31, 2023. The following tables show the Company’s amortized cost in loans and related ACL for collateral dependent loans by class using the fair value of collateral loss estimation methodology of evaluating expected credit losses at the dates indicated (dollars in thousands). Equipment Real Estate Other Total Loans Individually Evaluated Total ACL for Individually Evaluated Loans March 31, 2024 Commercial real estate $ — $ — $ — $ — $ — Commercial - specialized — — — — — Commercial - general 290 — — 290 62 Consumer: 1-4 family residential — — — — — Auto loans — — — — — Other consumer — — — — — Construction — — — — — $ 290 $ — $ — $ 290 $ 62 Equipment Real Estate Other Total Loans Individually Evaluated Total ACL for Individually Evaluated Loans December 31, 2023 Commercial real estate $ — $ — $ — $ — $ — Commercial - specialized — — — — — Commercial - general 353 691 — 1,044 142 Consumer: 1-4 family residential — 362 — 362 — Auto loans — — — — — Other consumer — — — — — Construction — 218 — 218 — $ 353 $ 1,271 $ — $ 1,624 $ 142 The tables below provides an age analysis on accruing past-due loans and nonaccrual loans at the dates indicated (dollars in thousands): 30-89 Days Past Due 90 Days or More Past Due Nonaccrual Nonaccrual with no ACL March 31 , 2024 Commercial real estate $ 363 $ 16 $ — $ — Commercial - specialized 284 — 698 521 Commercial - general 615 266 474 58 Consumer: 1-4 Family residential 1,502 821 812 — Auto loans 692 136 — — Other consumer 722 129 28 — Construction 96 — — — $ 4,274 $ 1,368 $ 2,012 $ 579 30-89 Days Past Due 90 Days or More Past Due Nonaccrual Nonaccrual with no ACL December 31 , 2023 Commercial real estate $ 499 $ 86 $ — $ — Commercial - specialized 521 — 213 — Commercial - general 1,316 296 953 — Consumer: 1-4 Family residential 793 1,390 1,828 362 Auto loans 1,208 60 — — Other consumer 1,134 103 30 — Construction 759 — 218 218 $ 6,230 $ 1,935 $ 3,242 $ 580 Credit Quality Indicators The Company grades its loans on a thirteen-point grading scale. These grades fit in one of the following categories: (i) pass, (ii) special mention, (iii) substandard, (iv) doubtful, or (v) loss. Loans categorized as loss are charged-off immediately. The grading of loans reflect a judgment by the Company about the risks of default associated with the loan. The Company reviews the grades on loans as part of the Company’s on-going monitoring of the credit quality of the loan portfolio. These risk ratings are assigned based on relevant information about the ability of the borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. Pass loans have financial factors or nature of collateral that are considered reasonable credit risks in the normal course of lending and encompass several grades that are assigned based on varying levels of risk, ranging from credits that are secured by cash or marketable securities, to watch credits which have all the characteristics of an acceptable credit risk but warrant more than the normal level of monitoring. Special mention loans have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of repayment prospects for the loans at some future date. Substandard loans are inadequately protected by the current net worth and paying capacity of the borrower or by the collateral pledged, if any. These loans have a well-defined weakness or weaknesses that jeopardize collection and present the distinct possibility that some loss will be sustained if the deficiencies are not corrected. A protracted workout on these credits is a distinct possibility. Prompt corrective action is therefore required to strengthen the Company’s position, and/or to reduce exposure and to assure that adequate remedial measures are taken by the borrower. Credit exposure becomes more likely in such credits and a serious evaluation of the secondary support to the credit is performed. Substandard loans can be accruing or can be nonaccrual depending on the circumstances of the individual loans. Doubtful loans have all the weaknesses inherent in substandard loans with the added characteristics that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values highly questionable and improbable. All doubtful loans are on nonaccrual. In connection with the review of the Company’s loan portfolio, management considers risk elements attributable to particular loan type or categories in assessing the quality of individual loans. The list of loans to be analyzed for individual evaluation consists of non-accrual loans over $250 thousand with direct exposure. Interest income recognized using a cash-basis method on non-accrual loans for the three months ended March 31, 2024 and 2023 was not significant. In addition, the Company closely monitors substandard accruing loans over $1 million with direct exposure, and past due accruing loans over $100 thousand for possible individual evaluation. All other loans will be evaluated collectively in designated pools unless a loss exposure has been identified. Additional funds committed to be advanced on individually analyzed loans are not significant. The following tables reflect the amortized cost basis in loans held for investment by credit quality indicator and origination year at the dates indicated, and related year-to-date gross charge-offs. Loans acquired are shown in the table by origination year. The Company had an immaterial amount of revolving loans converted to term loans at March 31, 2024 and December 31, 2023. Term Loans Amortized Cost Basis by Origination Year March 31, 2024 (Dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Loans Total Commercial real estate Pass $ 36,646 $ 269,179 $ 333,666 $ 178,208 $ 48,271 $ 203,508 $ 6,939 $ 1,076,417 Special mention — — — — 454 5,599 — 6,053 Substandard — — — 25,924 1,680 209 — 27,813 Total commercial real estate loans $ 36,646 $ 269,179 $ 333,666 $ 204,132 $ 50,405 $ 209,316 $ 6,939 $ 1,110,283 Year-to-date gross charge-offs $ — $ — $ 64 $ — $ — $ 22 $ — $ 86 Commercial - specialized Pass $ 34,312 $ 86,809 $ 50,711 $ 53,529 $ 18,133 $ 29,576 $ 74,554 $ 347,624 Special mention — — 2,595 — — — — 2,595 Substandard — 212 104 10 370 631 — 1,327 Total commercial - specialized loans $ 34,312 $ 87,021 $ 53,410 $ 53,539 $ 18,503 $ 30,207 $ 74,554 $ 351,546 Year-to-date gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial - general Pass $ 14,247 $ 84,488 $ 123,542 $ 89,825 $ 34,812 $ 99,454 $ 71,815 $ 518,183 Special mention — — — — — — 250 250 Substandard — 106 2,765 4,644 121 1,142 365 9,143 Total commercial - general loans $ 14,247 $ 84,594 $ 126,307 $ 94,469 $ 34,933 $ 100,596 $ 72,430 $ 527,576 Year-to-date gross charge-offs $ — $ 123 $ 210 $ 4 $ — $ 38 $ — $ 375 Consumer 1-4 family residential Pass $ 23,811 $ 110,045 $ 154,624 $ 104,760 $ 50,440 $ 83,667 $ 4,583 $ 531,930 Special mention — — — — — — — — Substandard — 376 350 4,164 680 7,569 47 13,186 Total consumer 1-4 family residential loans $ 23,811 $ 110,421 $ 154,974 $ 108,924 $ 51,120 $ 91,236 $ 4,630 $ 545,116 Year-to-date gross charge-offs $ — $ — $ 121 $ 51 $ — $ — $ — $ 172 Consumer auto loans Pass $ 19,810 98,205 111,516 42,328 13,774 6,236 — 291,869 Special mention — — — — — — — — Substandard — 30 126 246 31 87 — 520 Total consumer auto loans $ 19,810 $ 98,235 $ 111,642 $ 42,574 $ 13,805 $ 6,323 $ — $ 292,389 Year-to-date gross charge-offs $ — $ 65 $ 119 $ 26 $ 8 $ 6 $ — $ 224 Consumer other consumer Pass $ 6,596 $ 20,664 $ 23,499 $ 8,840 $ 2,605 $ 7,653 $ 1,575 $ 71,432 Special mention — — — — — — — — Substandard — 84 53 41 8 79 1 266 Total consumer other consumer loans $ 6,596 $ 20,748 $ 23,552 $ 8,881 $ 2,613 $ 7,732 $ 1,576 $ 71,698 Year-to-date gross charge-offs (1) $ 62 $ 101 $ 61 $ 24 $ — $ 34 $ — $ 282 Construction Pass $ 9,642 $ 62,805 $ 31,707 $ 2,635 $ 331 $ — $ 4,840 $ 111,960 Special mention — 315 — 820 — — — 1,135 Substandard — — 96 — — — — 96 Total construction loans $ 9,642 $ 63,120 $ 31,803 $ 3,455 $ 331 $ — $ 4,840 $ 113,191 Year-to-date gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — (1) Includes $62 thousand in charged-off demand deposit overdrafts reported as 2024 originations. Term Loans Amortized Cost Basis by Origination Year December 31, 2023 (Dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial real estate Pass $ 254,766 $ 324,601 $ 189,211 $ 50,660 $ 47,988 $ 174,859 $ 3,842 $ 1,045,927 Special mention — — — 11,677 — — — 11,677 Substandard — 82 21,152 1,699 149 370 — 23,452 Total commercial real estate loans $ 254,766 $ 324,683 $ 210,363 $ 64,036 $ 48,137 $ 175,229 $ 3,842 $ 1,081,056 Year-to-date gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial - specialized Pass $ 117,912 $ 56,152 $ 57,839 $ 19,883 $ 10,376 $ 22,758 $ 83,368 $ 368,288 Special mention — 2,938 — — — — 300 3,238 Substandard — 105 196 393 19 137 — 850 Total commercial - specialized loans $ 117,912 $ 59,195 $ 58,035 $ 20,276 $ 10,395 $ 22,895 $ 83,668 $ 372,376 Year-to-date gross charge-offs $ — $ — $ — $ 11 $ — $ — $ — $ 11 Commercial - general Pass $ 88,911 $ 128,627 $ 90,957 $ 35,794 $ 45,660 $ 68,990 $ 44,131 $ 503,070 Special mention — — — — — 1,565 250 1,815 Substandard 201 2,930 4,676 227 2,749 1,442 251 12,476 Total commercial - general loans $ 89,112 $ 131,557 $ 95,633 $ 36,021 $ 48,409 $ 71,997 $ 44,632 $ 517,361 Year-to-date gross charge-offs $ — $ 47 $ 50 $ 33 $ 18 $ 321 $ — $ 469 Consumer 1-4 family residential Pass $ 113,897 $ 156,549 $ 106,619 $ 51,940 $ 31,345 $ 56,666 $ 3,770 $ 520,786 Special mention — — — — — — — — Substandard 376 382 4,238 708 3,758 4,483 — 13,945 Total consumer 1-4 family residential loans $ 114,273 $ 156,931 $ 110,857 $ 52,648 $ 35,103 $ 61,149 $ 3,770 $ 534,731 Year-to-date gross charge-offs $ — $ — $ 1 $ — $ — $ — $ — $ 1 Consumer auto loans Pass $ 106,149 124,588 48,686 16,524 6,812 1,935 — 304,694 Special mention — — — — — — — — Substandard 16 189 199 60 81 32 — 577 Total consumer auto loans $ 106,165 $ 124,777 $ 48,885 $ 16,584 $ 6,893 $ 1,967 $ — $ 305,271 Year-to-date gross charge-offs $ 113 $ 377 $ 254 $ 14 $ 49 $ 81 $ — $ 888 Consumer other consumer Pass $ 23,719 $ 26,899 $ 10,198 $ 3,190 $ 2,539 $ 6,107 $ 1,364 $ 74,016 Special mention — — — — — — — — Substandard — 13 44 10 — 84 1 152 Total consumer other consumer loans $ 23,719 $ 26,912 $ 10,242 $ 3,200 $ 2,539 $ 6,191 $ 1,365 $ 74,168 Year-to-date gross charge-offs (1) $ 624 $ 244 $ 88 $ 32 $ 72 $ 80 $ — $ 1,140 Construction Pass $ 61,903 $ 53,930 $ 5,511 $ 331 $ — $ — $ 6,250 $ 127,925 Special mention 131 — 820 — — — — 951 Substandard — 314 — — — — — 314 Total construction loans $ 62,034 $ 54,244 $ 6,331 $ 331 $ — $ — $ 6,250 $ 129,190 Year-to-date gross charge-offs $ 48 $ — $ 271 $ — $ — $ — $ — $ 319 (1) Includes $574 thousand in charged-off demand deposit overdrafts reported as 2023 originations. Occasionally, the Company modifies loans to borrowers in financial distress by providing principal forgiveness, term extensions, an other than insignificant payment delay, or interest rate reduction. When principal forgiveness is provided, the amount of forgiveness is charged-off against the allowance for credit losses. Typically, one type of concession, such as term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession, such as principal forgiveness, may be granted. In some cases, the Company provides multiple types of concessions on one loan. For the loans included in the “combination” columns below, multiple types of modifications have been made on the same loan within the current reporting period. The following tables present the amortized cost basis of loans at the dates indicated that were both experiencing financial difficulty and modified during the three months ended March 31, 2024 and 2023, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below (dollars in thousands): Payment Delay Term Extension Interest Rate Reduction Term Extension and Interest Rate Reduction Total Class of Financing Receivable March 31, 2024 Commercial real estate $ — $ — $ — $ — 0.00 % Commercial - specialized — — — — 0.00 % Commercial - general — — — 35 0.01 % Consumer: 1-4 family — — — — 0.00 % Auto loans — — — — 0.00 % Other consumer — — — — 0.00 % Construction — — — — 0.00 % $ — $ — $ — $ 35 0.00 % Payment Delay Term Extension Interest Rate Reduction Term Extension and Interest Rate Reduction Total Class of Financing Receivable March 31, 2023 Commercial real estate $ — $ — $ — $ — 0.00 % Commercial - specialized — — — — 0.00 % Commercial - general — 2,999 — 42 0.60 % Consumer: 1-4 family — 199 — — 0.04 % Auto loans — 40 — — 0.01 % Other consumer — — — — 0.00 % Construction — — — — 0.00 % $ — $ 3,238 $ — $ 42 0.12 % The following table presents the financial effects of the loan modifications presented above to borrowers experiencing financial difficulty for the three months ended March 31, 2024 and 2023 Principal Forgiveness Weighted- Average Interest Rate Reduction Weighted- Average Term Extension (Months) March 31, 2024 Commercial real estate $ — 0.00 % — Commercial - specialized — 0.00 % — Commercial - general — 1.75 % 49 Consumer: 1-4 Family residential — 0.00 % — Auto loans — 0.00 % — Other consumer — 0.00 % — Construction — 0.00 % — $ — 1.75 % 49 Principal Forgiveness Weighted- Average Interest Rate Reduction Weighted- Average Term Extension (Months) March 31, 2023 Commercial real estate $ — 0.00 % — Commercial - specialized — 0.00 % — Commercial - general — 0.25 % 43 Consumer: 1-4 Family residential — 0.00 % 10 Auto loans — 0.00 % 15 Other consumer — 0.00 % — Construction — 0.00 % — $ — 0.25 % 41 The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following presents the performance of such loans that have been modified in the last twelve months (dollars in thousands): Current 30-89 Days Past Due 90 Days or More Past Due Nonaccrual March 31, 2024 Commercial real estate $ 2,241 $ — $ — $ — Commercial - specialized 165 — — 16 Commercial - general 1,176 — — 290 Consumer: 1-4 Family residential 484 23 — 11 Auto loans 86 — — — Other consumer — 5 — — Construction 2,399 — — — $ 6,551 $ 28 $ — $ 317 During the three months ended March 31, 2024, the Company had $31 thousand in loans made to borrowers experiencing financial difficulty that were modified during the last twelve months that subsequently defaulted. During the three months ended March 31, 2023, the Company had no loans made to borrowers experiencing financial difficulty that were modified during the last twelve months that subsequently defaulted. Payment default is defined as movement to nonperforming status, foreclosure, or charge-off.

GOODWILL AND INTANGIBLES

GOODWILL AND INTANGIBLES	3 Months Ended
	Mar. 31, 2024
GOODWILL AND INTANGIBLES [Abstract]
GOODWILL AND INTANGIBLES	4. GOODWILL AND INTANGIBLES The Company had goodwill of $19.3 million at March 31, 2024 and December 31, 2023, respectively. Other intangible assets, which consisted of core deposit intangibles at the dates indicated are summarized below (dollars in thousands): March 31, 2024 December 31, 2023 Amortized intangible assets Core deposit intangible $ 6,679 $ 6,679 Less: Accumulated amortization (4,432 ) (4,250 ) Other intangible assets, net $ 2,247 $ 2,429

MORTGAGE SERVICING RIGHTS

MORTGAGE SERVICING RIGHTS	3 Months Ended
	Mar. 31, 2024
MORTGAGE SERVICING RIGHTS [Abstract]
MORTGAGE SERVICING RIGHTS	5. The following table reflects the changes in fair value of the Company’s mortgage servicing rights asset included in the Consolidated Balance Sheets, and other information related to the serviced portfolio, for the periods or dates presented (dollars in thousands): Three Months Ended March 31, 2024 2023 Beginning balance $ 26,569 $ 27,474 Additions 219 271 Valuation adjustment 55 (1,950 ) Ending balance $ 26,843 $ 25,795 March 31, December 31, 2024 2023 Mortgage loans serviced for others $ 1,983,974 $ 2,001,476 Mortgage servicing rights assets as a percentage of serviced mortgage loans 1.35 % 1.33 % The following table reflects the key assumptions used in measuring the fair value of the Company’s mortgage servicing rights as of the dates indicated: March 31, December 31, 2024 2023 Weighted average constant prepayment rate 7.38 % 7.46 % Weighted average discount rate 10.16 % 10.66 % Weighted average life in years 8.07 8.09

BORROWING ARRANGEMENTS

BORROWING ARRANGEMENTS	3 Months Ended
	Mar. 31, 2024
BORROWING ARRANGEMENTS [Abstract]
BORROWING ARRANGEMENTS	6. BORROWING ARRANGEMENTS Subordinated Debt In December 2018, the Company issued $14.1 million of notes that have a maturity date of December 2030 Wall Street Journal notes are intended to On September 29, 2020, the Company issued $50.0 million in subordinated debt notes. Pr approximately $926 thousand in debt issuance costs. date of September 2030 will reset quarterly at a variable rate equal to the then current three-month Secured Overnight Financing Rate (“SOFR”), as published by the Federal Reserve Bank of New York, plus 438 basis points. These pay interest semi-annually, are unsecured, and may be called by the Company at any time after the remaining maturity is five years or less. Additionally, qualify for Tier 2 capital treatment, subject to regulatory limitations. As of March 31, 2024, the total amount of subordinated notes outstanding was $64.1 million less approximately $279 thousand of remaining debt issuance costs for a total balance of $63.8 million. As of December 31, 2023 Notes Payable and Other Borrowings As of 31, 2024

STOCK-BASED COMPENSATION

STOCK-BASED COMPENSATION	3 Months Ended
	Mar. 31, 2024
STOCK-BASED COMPENSATION [Abstract]
STOCK-BASED COMPENSATION	7. STOCK-BASED COMPENSATION Equity Incentive Plan The 2019 Equity Incentive Plan (“Plan”) was approved by the Company’s Board of Directors on January 16, 2019 and by its shareholders on March 6, 2019. The purpose of the Plan is to: (i) attract and retain the best available personnel for positions of substantial responsibility, (ii) provide additional incentive to employees, directors and consultants, and (iii) promote the success of the Company’s business. The Plan permits the grant of incentive stock options, non-statutory stock options, stock appreciation rights, restricted stock, restricted stock units, performance units, performance shares, and other stock-based awards. The maximum aggregate number of shares of common stock that may be issued pursuant to all awards under the Plan was 4,919,505 at March 31, 2024. The maximum aggregate number of shares that may be issued under the Plan may be increased annually by up to 3% of the total issued and outstanding common shares of the Company at the beginning of each fiscal year. The fair value of each option award is estimated on the date of grant using the Black-Scholes model that uses the assumptions noted in the table below. Expected volatilities are based on historical volatilities of the Company’s common stock and similar peer company averages. The Company uses historical data to estimate option exercise and post-vesting termination behavior. The expected term of options granted represents the period of time that options granted are expected to be outstanding, which takes in to account that the options are not transferable. The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant. Options A summary of activity in the Plan during the period indicated (dollars in thousands, except per share data): Number of Shares Weighted-Average Exercise Price Weighted-Average Remaining Contractual Life in Years Aggregate Intrinsic Value Three Months Ended March 31 , 2024 Outstanding at beginning of year: 1,280,858 $ 16.91 $ 12,767 Granted 32,465 29.32 — Exercised (3,565 ) 20.01 (24 ) Forfeited — — — Expired — — — Balance, March 31 2024 1,309,758 $ 17.21 4.98 $ 12,743 Exercisable at end of period 1,176,105 $ 16.27 4.61 $ 12,411 Vested at end of period 1,176,105 $ 16.27 4.61 $ 12,411 A summary of assumptions used to calculate the fair values of the awards granted during the periods noted is presented below: Three Months Ended March 31, 2024 2023 Expected volatility 40.45% 39.13% to 39.68% Expected dividend yield 1.80% 1.74% to 1.90% Expected term (years) 6.1 6.1 to 6.3 Risk-free interest rate 3.94% 3.91% to 3.98% Weighted average grant date fair value $ 11.10 $ 10.26 The total intrinsic value of options exercised during the three months ended March 31, 2024 and 2023 was $26 thousand and $275 thousand, respectively. Restricted Stock Awards and Units A summary of activity in the Plan during the period indicated Number of Shares Weighted-Average Grant Date Fair Value Three Months Ended March 31 , 2024 Outstanding at beginning of year: 125,917 $ 26.58 Granted 85,403 26.54 Vested (19,778 ) 27.45 Forfeited (3,169 ) 24.34 Balance, March 31 2024 188,373 $ 26.50 Restricted stock units granted under the Plan typically vest from one For the three months ended March 31, 2024 and 2023 the Company recorded stock-based compensation expense related to the Plan of $481 thousand and $525 thousand, respectively. The total unrecognized compensation cost for the awards outstanding under the Plan at March 31, 2024 was $4.9 million and will be recognized over a weighted average remaining period of 1.86 years.

OFF-BALANCE-SHEET ACTIVITIES, C

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES	3 Months Ended
	Mar. 31, 2024
OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES [Abstract]
OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES	8. OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES Financial instruments with off-balance-sheet risk - The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the Company’s consolidated financial statements. The Company’s exposure to credit loss is represented by the contractual amount of these commitments. The Company follows the same credit policies in making commitments as it does for recorded instruments. Financial instruments whose contract amounts represent credit risk outstanding at the dates indicated follow (dollars in thousands): March 31, 2024 December 31, 2023 Commitments to grant loans and unfunded commitments under lines of credit $ 634,758 $ 598,800 Standby letters of credit 11,943 11,503 Commitments to grant loans and extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The commitments for lines of credit may expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if it is deemed necessary by the Company, is based on management’s credit evaluation of the customer. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those letters of credit are primarily issued to support public and private borrowing arrangements. Essentially all letters of credit issued have expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Company requires collateral supporting those commitments if deemed necessary. FHLB Letters of Credit - The Company may use FHLB letters of credit to pledge to certain public deposits. There were no FHLB letters of credit outstanding at March 31, 2024 or December 31, 2023. Litigation

CAPITAL AND REGULATORY MATTERS

CAPITAL AND REGULATORY MATTERS	3 Months Ended
	Mar. 31, 2024
CAPITAL AND REGULATORY MATTERS [Abstract]
CAPITAL AND REGULATORY MATTERS	9. CAPITAL AND REGULATORY MATTERS The Company and its bank subsidiary are subject to various regulatory capital requirements administered by its banking regulators. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and its bank subsidiary’s financial statements. Under capital guidelines and the regulatory framework for prompt corrective action, the Company and its bank subsidiary must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies. Quantitative measures established by regulation to ensure capital adequacy require the Company and its bank subsidiary to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined) and of Tier 1 capital (as defined) to average assets (as defined). Management believes, as of March 31, 2024 and December 31, 2023, that the Company and its bank subsidiary met all capital adequacy requirements to which they are subject. As of March 31, 2024 and December 31, 2023, the Company met the definition of “well-capitalized” under the applicable regulations of the Board of Governors of the Federal Reserve System and the bank subsidiary was “well capitalized” under the FDIC’s regulatory framework for prompt corrective action and the Basel III capital guidelines. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the following tables. There are no conditions or events since March 31, 2024 that management believes have changed the bank subsidiary’s category. The Company and its bank subsidiary’s actual capital amounts and ratios at the dates indicated follows (dollars in thousands): Actual Minimum Required Under BASEL III Fully Phased-In To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio March 31 , 2024 Total Capital to Risk Weighted Assets: Consolidated $ 598,737 17.00 % $ 369,815 10.50 % N/A N/A City Bank 501,116 14.23 % 369,645 10.50 % $ 352,043 10.00 % Tier I Capital to Risk Weighted Assets: Consolidated 491,287 13.95 % 299,374 8.50 % N/A N/A City Bank 457,487 13.00 % 299,237 8.50 % 281,634 8.00 % Common Equity Tier 1 to Risk Weighted Assets: Consolidated 446,287 12.67 % 246,543 7.00 % N/A N/A City Bank 457,487 13.00 % 246,430 7.00 % 228,828 6.50 % Tier I Capital to Average Assets: Consolidated 491,287 11.51 % 171,622 4.00 % N/A N/A City Bank 457,487 10.72 % 171,516 4.00 % 213,318 5.00 % December 31 , 2023 Total Capital to Risk Weighted Assets: Consolidated $ 589,565 16.74 % $ 369,753 10.50 % N/A N/A City Bank 494,353 14.04 % 369,635 10.50 % $ 352,033 10.00 % Tier I Capital to Risk Weighted Assets: Consolidated 482,044 13.69 % 299,324 8.50 % N/A N/A City Bank 450,607 12.80 % 299,228 8.50 % 281,627 8.00 % Common Equity Tier 1 to Risk Weighted Assets: Consolidated 437,044 12.41 % 246,502 7.00 % N/A N/A City Bank 450,607 12.80 % 246,423 7.00 % 228,822 6.50 % Tier I Capital to Average Assets: Consolidated 482,044 11.33 % 171,037 4.00 % N/A N/A City Bank 450,607 10.60 % 170,945 4.00 % 212,594 5.00 % The Company is subject to the Basel III capital ratio requirements which include a “capital conservation buffer” of 2.50% above the regulatory minimum risk-based capital adequacy requirements. This 2.50% capital conservation buffer is reflected in the table above. Both the Company’s and the Bank’s actual ratios, as outlined in the table above, exceeded the Basel III risk-based capital requirement with the capital conservation buffer as of March 31, 2024. State banking regulations place certain restrictions on dividends paid by banks to their shareholders. Dividends paid by the Company’s bank subsidiary would be prohibited if the effect thereof would cause the bank subsidiary’s capital to be reduced below applicable minimum

DERIVATIVES

DERIVATIVES	3 Months Ended
	Mar. 31, 2024
DERIVATIVES [Abstract]
DERIVATIVES	10. DERIVATIVES The Company utilizes interest rate swap agreements as part of its asset-liability management strategy to help manage its interest rate risk position. These interest rate swaps are designated and qualify as fair value hedges and are entered into to reduce exposure to changes in fair value of fixed rate financial instruments. The notional amount of the interest rate swaps do not represent amounts exchanged by the parties. The amount exchanged is determined by reference to the notional amounts and the other terms of the individual interest rate swap agreements. The following table reflects the changes in fair value hedges included in the Consolidated Statements of Comprehensive Income (Loss) for the periods indicated (dollars in thousands): Three Months Ended March 31 Interest Rate Contracts Location 2024 2023 Change in fair value of interest rate swaps hedging investment securities Other noninterest expense $ 1,312 $ (2,654 ) Change in fair value of hedged investment securities Other noninterest expense (1,385 ) 2,638 Change in fair value of interest rate swaps hedging fixed rate loans Interest income - Loans $ 237 $ — Change in fair value of hedged fixed rate loans Interest income - Loans (153 ) — The following table reflects the fair value hedges included in the Consolidated Balance Sheets at the dates indicated (dollars in thousands): March 31, 2024 December 31, 2023 Notional Amount Fair Value Notional Amount Fair Value Included in other liabilities: Interest rate swaps related to fixed rate loans $ — $ — $ 987 $ 10 Interest rate swaps related to state and municipal securities — — — — Included in other assets: Interest rate swaps related to fixed rate loans $ 8,602 $ 385 $ 7,796 $ 158 Interest rate swaps related to state and municipal securities 123,760 17,940 123,760 16,628 Mortgage banking derivatives The net gains (losses) relating to free standing derivative instruments used for risk management are summarized below for the periods indicated (dollars in thousands): Three Months Ended March 31, Location 2024 2023 Gain (loss) on mortgage banking derivatives Net gain (loss) on sales of loans $ 308 $ (281 ) The following table reflects the amount and fair value of mortgage banking derivatives in the Consolidated Balance Sheets at the dates indicated (dollars in thousands): March 31, 2024 December 31, 2023 Notional Amount Fair Value Notional Amount Fair Value Included in other assets Forward contracts related to mortgage loans held for sale $ — $ — $ — $ — Interest rate lock commitments 30,678 442 16,887 444 Included in other liabilities Forward contracts related to mortgage loans held for sale $ 26,197 $ 112 $ 19,021 $ 422 The Company had received cash collateral of $18.1 million and $18.3 million to offset asset derivative positions on its interest rate swaps at March 31, 2024 and December 31, 2023, respectively. This amount is reported in other liabilities in the Consolidated Balance Sheets. The Company had advanced $1.1 million to offset liability derivative positions on its interest rate swaps at March 31, 2024 and December 31, 2023, respectively. Additionally, the Company had advanced $440 thousand on its mortgage forward contracts at March 31, 2024 and December 31, 2023, respectively. The advanced cash collateral amounts are reported in cash and due from banks in the Consolidated Balance Sheets.

EARNINGS PER SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2024
EARNINGS PER SHARE [Abstract]
EARNINGS PER SHARE	11. EARNINGS PER SHARE The factors used in the earnings per share computation for the periods indicated follow (dollars in thousands, except per share data): Three Months Ended March 31, 2024 2023 Net income $ 10,874 $ 9,244 Weighted average common shares outstanding - basic 16,429,919 17,046,713 Effect of dilutive securities: Stock-based compensation awards 508,938 514,043 Weighted average common shares outstanding - diluted 16,938,857 17,560,756 Basic earnings per share $ 0.66 $ 0.54 Diluted earnings per share $ 0.64 $ 0.53

FAIR VALUE DISCLOSURES

FAIR VALUE DISCLOSURES	3 Months Ended
	Mar. 31, 2024
FAIR VALUE DISCLOSURES [Abstract]
FAIR VALUE DISCLOSURES	12. FAIR VALUE DISCLOSURES Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability is not adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact. Valuation techniques that are consistent with the market approach, the income approach and/or the cost approach are required by GAAP. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets and liabilities. The income approach uses valuation techniques to convert future amounts, such as cash flows or earnings, to a single present amount on a discounted basis. The cost approach is based on the amount that currently would be required to replace the service capacity of an asset. Valuation techniques should be consistently applied. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. Inputs may be observable, meaning those that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources, or unobservable, meaning those that reflect the reporting entity’s own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances. The fair value hierarchy for valuation inputs gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows: ● Level 1 Inputs ● Level 2 Inputs ● Level 3 Inputs The following table summarizes fair value measurements as of the dates indicated below (dollars in thousands): Level 1 Level 2 Level 3 Total March 31 , 2024 Assets (liabilities) measured at fair value on a recurring basis: Securities available for sale: State and municipal $ — $ 177,648 $ — $ 177,648 Residential mortgage-backed securities — 285,165 — 285,165 Commercial mortgage-backed securities — 40,854 — 40,854 Commercial collateralized mortgage obligations — 69,072 — 69,072 Asset-backed and other amortizing securities — 16,329 — 16,329 Other securities — 10,801 — 10,801 Loans held for sale (mandatory) — 9,686 — 9,686 Mortgage servicing rights — — 26,843 26,843 Asset derivatives — 18,767 — 18,767 Liability derivatives — (112 ) — (112 ) Assets measured at fair value on a non-recurring basis: Loans held for investment — — 228 228 December 31, 2023 Assets (liabilities) measured at fair value on a recurring basis: Securities available for sale: State and municipal $ — $ 180,575 $ — $ 180,575 Residential mortgage-backed securities — 300,704 — 300,704 Commercial mortgage-backed securities — 41,748 — 41,748 Commercial collateralized mortgage obligations — 71,930 — 71,930 Asset-backed and other amortizing securities — 17,040 — 17,040 Other securities — 10,765 — 10,765 Loans held for sale (mandatory) — 6,615 — 6,615 Mortgage servicing rights — — 26,569 26,569 Asset derivatives — 17,230 — 17,230 Liability derivatives — (432 ) — (432 ) Assets measured at fair value on a non-recurring basis: Loans held for investment — — 1,482 1,482 Securities Mortgage servicing rights speeds, default rates, . Mortgage servicing rights are the only Level 3 asset measured at fair value on a recurring basis, see Note 5 for the Level 3 change activity for the three months ended March 31, 2024 and 2023 Derivatives Loans held for investment Fair Values of Assets Recorded on a Recurring Basis for which the Fair Value Option has been Elected Loans held for sale (mandatory) Loans held for sale originated for mandatory delivery are reported at fair value on a recurring basis due to the Company’s election to adopt fair value accounting treatment for these assets. This election allows for a more effective offset of the changes in fair values of the assets and the derivative instruments used to economically hedge them without the burden of complying with the requirements for hedge accounting under ASC Topic 815, Derivatives and Hedging. For assets for which the fair value option has been elected, the earned current contractual interest payment is recognized in interest income, loan origination costs and fees on fair value option loans are recognized in earnings as incurred and not deferred. At March 31, 2024, and December 31, 2023, there were no gains or losses recorded attributable to changes in instrument-specific credit risk. Fair value is determined using quoted prices for similar assets, adjusted for specific attributes of that loan. At March each of March The total fair value option impact on noninterest income for loans held for sale for mandatory delivery is included in Net gain on sales of loans in the consolidated statements of comprehensive income (loss). For the three months ended March The following table presents quantitative information about recurring and non-recurring Level 3 fair value measurements at the dates indicated (dollars in thousands): Fair Value Valuation Techniques Unobservable Inputs Range of Discounts March 31, 2024 Non-recurring: Loans held for investment $ 228 Third party appraisals or inspections Collateral discounts and selling costs 20%-25 % Recurring: Mortgage servicing rights 26,843 Discounted cash flows Constant prepayment rate 7.38 % Discount rate 10.16 % December 31, 2023 Non-recurring: Loans held for investment $ 1,482 Third party appraisals or inspections Collateral discounts and selling costs 20%-100 % Recurring: Mortgage servicing rights 26,569 Discounted cash flows Constant prepayment rate 7.46 % Discount rate 10.66 % The estimated fair values, and related carrying amounts, of the Company’s financial instruments that are not previously disclosed in the recurring fair values section are as follows (dollars in thousands): Carrying Amount Level 1 Level 2 Level 3 Total Fair Value March 31 , 2024 Financial assets: Cash and cash equivalents $ 371,939 $ 371,939 $ — $ — $ 371,939 Loans held for investment, net 2,969,625 — — 2,857,552 2,857,552 Loans held for sale (best efforts) 6,065 — 6,172 — 6,172 Accrued interest receivable 16,605 — 16,605 — 16,605 Financial liabilities: Deposits $ 3,638,571 $ — $ 3,638,349 $ — $ 3,638,349 Accrued interest payable 4,229 — 4,229 — 4,229 Junior subordinated deferrable interest debentures 46,393 — 33,530 — 33,530 Subordinated debt 63,821 — 57,050 — 57,050 Carrying Amount Level 1 Level 2 Level 3 Total Fair Value December 31, 2023 Financial assets: Cash and cash equivalents $ 330,158 $ 330,158 $ — $ — $ 330,158 Loans held for investment, net 2,971,797 — — 2,848,536 2,848,536 Loans held for sale (best efforts) 7,884 — 7,977 — 7,977 Accrued interest receivable 20,881 — 20,881 — 20,881 Financial liabilities: Deposits $ 3,626,153 $ — $ 3,625,321 $ — $ 3,625,321 Accrued interest payable 5,057 — 5,057 — 5,057 Junior subordinated deferrable interest debentures 46,393 — 33,098 — 33,098 Subordinated debt 63,775 — 57,497 — 57,497

IMMATERIAL CORRECTION OF PRIOR

IMMATERIAL CORRECTION OF PRIOR PERIOD ERROR	3 Months Ended
	Mar. 31, 2024
IMMATERIAL CORRECTION OF PRIOR PERIOD ERROR [Abstract]
IMMATERIAL CORRECTION OF PRIOR PERIOD ERROR	13. IMMATERIAL CORRECTION OF PRIOR PERIOD ERROR The Company identified an immaterial prior period error in the Consolidated Statements of Cash Flows related to cash flow activity of certain of the Company’s portfolio mortgage loans and third-party brokered loans erroneously being included in the cash flow activity for loans held for sale. The Company assessed the materiality of this change in presentation on prior period consolidated financial statements in accordance with SEC Staff Accounting Bulletin No. 99, “Materiality,” (ASC Topic 250, Accounting Changes and Error Corrections). Based on this assessment, the Company concluded that these error corrections in its Consolidated Statements of Cash Flows are not material to any previously presented consolidated financial statements. The corrections had no impact on the Consolidated Balance Sheets, Consolidated Statements of Comprehensive Income (Loss), or Consolidated Statements of Changes in Stockholders’ Equity, or notes to these consolidated financial statements, for any previously presented interim or annual consolidated financial statements. The financial reporting periods affected by this error include the Company’s previously reported interim unaudited consolidated financial statements for each of the fiscal year-to-date periods ended March 31, 2023; June 30, 2023; and September 30, 2023. A summary of the immaterial corrections to the Company’s previously reported unaudited consolidated financial statements follows. Corrected Consolidated Statement of Cash Flows for Three Months Ended March 31, 2023 (in thousands): As Reported Immaterial Correction As Corrected Proceeds from sales of loans held for sale $ 101,266 $ (14,373 ) $ 86,893 Loans originated for sale $ (88,664 ) $ 14,373 $ (74,291 )

SUBSEQUENT EVENTS

SUBSEQUENT EVENTS	3 Months Ended
	Mar. 31, 2024
SUBSEQUENT EVENTS [Abstract]
SUBSEQUENT EVENTS	14. SUBSEQUENT EVENTS Dividend Declaration On April 18, 2024, the Company declared a cash dividend of $0.14 per share of common stock to be paid on May 13, 2024 to all shareholders of record as of April 29, 2024.

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Mar. 31, 2024
Insider Trading Arrangements [Line Items]
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

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2024
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Nature of Operations	Nature of Operations The following were subsidiaries of SPFI as of March 31, 2024: Wholly-Owned, Consolidated Subsidiaries: City Bank Bank subsidiary Ruidoso Retail, Inc. Non-bank subsidiary CB Provence, LLC Non-bank subsidiary CBT Brushy Creek, LLC Non-bank subsidiary CBT Properties, LLC Non-bank subsidiary Wholly-Owned, Equity Method Subsidiaries: South Plains Financial Capital Trusts (“SPFCT”) III-V Non-bank subsidiaries
Consolidation	The consolidated financial statements in this Quarterly Report on Form 10-Q for the three months ended March 31, 2024 (this “Form 10-Q”) include the accounts of SPFI and its wholly-owned consolidated subsidiaries (collectively referred to as the “Company”) identified above. All significant intercompany balances and transactions have been eliminated in consolidation.
Basis of Presentation	The interim consolidated financial statements in this Form 10-Q have not been audited by an independent registered public accounting firm, but in the opinion of management, reflect all adjustments necessary for a fair presentation of the Company’s financial position, results of operations, and cash flows. All such adjustments were of a normal and recurring nature. The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with the instructions to Form 10-Q adopted by the Securities and Exchange Commission (“SEC”). Accordingly, the financial statements do not include all of the information and notes required by GAAP for complete financial statements and should be read in conjunction with the Company’s audited consolidated financial statements, and notes thereto in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023 as filed with the SEC on March 15, 2024 (the “2023 Annual Report on Form 10-K”).
Use of Estimates	Use of Estimates (“ACL”)
Recent Accounting Pronouncements	Recent Accounting Pronouncements ASU 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative. The amendments in this Update modify the disclosure or presentation requirements of a variety of Topics in the Codification. Certain of the amendments represent clarifications to, or technical corrections of the current requirements. Each amendment in the ASU will only become effective if the SEC removes the related disclosure or presentation requirement from its existing regulations by June 30, 2027. The amendments in this ASU are not expected to have a material impact on the results of operations or financial position. ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. The amendments in this Update require public entities to disclose information about reportable segments’ significant expenses on an interim and annual basis. This update is effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. The adoption of ASU 2023-07 is not expected to have a material effect on the Company’s financial statements. ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The amendments in this Update are intended to improve the transparency of income tax disclosures by requiring consistent categories and greater disaggregation of information in the rate reconciliation and income taxes paid disaggregated by jurisdiction. It also includes certain other amendments intended to improve the effectiveness of income tax disclosures. This update is effective for fiscal years beginning after December 15, 2024. The adoption of ASU 2023-09 is not expected to have a material effect on the Company’s financial statements.
Subsequent Events	Subsequent Events – The Company has evaluated subsequent events and transactions from March 31, 2024 through the date this Form 10-Q was filed with the SEC for potential recognition or disclosure as required by GAAP.

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	3 Months Ended
	Mar. 31, 2024
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]
Subsidiaries Information	The following were subsidiaries of SPFI as of March 31, 2024: Wholly-Owned, Consolidated Subsidiaries: City Bank Bank subsidiary Ruidoso Retail, Inc. Non-bank subsidiary CB Provence, LLC Non-bank subsidiary CBT Brushy Creek, LLC Non-bank subsidiary CBT Properties, LLC Non-bank subsidiary Wholly-Owned, Equity Method Subsidiaries: South Plains Financial Capital Trusts (“SPFCT”) III-V Non-bank subsidiaries

SECURITIES (Tables)

SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2024
SECURITIES [Abstract]
Amortized Cost and Fair Value of Securities with Gross Unrealized Gains and Losses	The amortized cost, related gross unrealized gains and losses, : Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Allowance for Credit Losses Fair Value March 31 , 2024 Available for sale: State and municipal $ 201,459 $ 1 $ (23,812 ) $ — $ 177,648 Residential mortgage 344,258 — (59,093 ) — 285,165 Commercial mortgage-backed securities 47,576 — (6,722 ) — 40,854 Commercial collateralized 69,486 — (414 ) — 69,072 Asset-backed and other amortizing securities 17,990 — (1,661 ) — 16,329 Other securities 12,000 — (1,199 ) — 10,801 $ 692,769 $ 1 $ (92,901 ) $ — $ 599,869 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Allowance for Credit Losses Fair Value December 31 , 2023 Available for sale: State and municipal $ 202,814 $ 2 $ (22,241 ) $ — $ 180,575 Residential mortgage 351,251 — (50,547 ) — 300,704 Commercial mortgage-backed securities 47,898 — (6,150 ) — 41,748 Commercial collateralized 72,391 — (461 ) — 71,930 Asset-backed and other amortizing securities 18,476 — (1,436 ) — 17,040 Other securities 12,000 — (1,235 ) — 10,765 $ 704,830 $ 2 $ (82,070 ) $ — $ 622,762
Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and estimated fair value of securities at March 31, 2024 are presented below by contractual maturity (dollars in thousands). Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations. Declining-balance securities are shown separately since they are not due at a single maturity date. Available for Sale Amortized Cost Fair Value Within 1 year $ 409 $ 403 After 1 year through 5 years 6,380 6,198 After 5 years through 10 years 16,170 14,940 After 10 years 190,500 166,908 Declining-balance securities 479,310 411,420 $ 692,769 $ 599,869
Securities with Unrealized Losses Segregated by the Period in a Loss Position	The following table segregates securities with unrealized losses at the periods indicated, by the duration they have been in a loss position for which an allowance for credit losses has not been recorded (dollars in thousands): Less than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss March 31 , 2024 State and municipal $ 787 $ 1 $ 175,575 $ 23,811 $ 176,362 $ 23,812 Residential mortgage-backed securities 9 — 285,156 59,093 285,165 59,093 Commercial mortgage-backed securities — — 40,854 6,722 40,854 6,722 Commercial collateralized mortgage obligations — — 69,072 414 69,072 414 Asset-backed and other amortizing securities — — 16,328 1,661 16,328 1,661 Other securities 3,290 210 7,511 989 10,801 1,199 $ 4,086 $ 211 $ 594,496 $ 92,690 $ 598,582 $ 92,901 December 31 , 2023 State and municipal $ 207 $ — $ 177,908 $ 22,241 $ 178,115 $ 22,241 Residential mortgage-backed securities 9 — 300,695 50,547 300,704 50,547 Commercial mortgage-backed securities — — 41,748 6,150 41,748 6,150 Commercial collateralized mortgage obligations — — 71,930 461 71,930 461 Asset-backed and other amortizing securities — — 17,040 1,436 17,040 1,436 Other securities 3,286 214 7,479 1,021 10,765 1,235 $ 3,502 $ 214 $ 616,800 $ 81,856 $ 620,302 $ 82,070

LOANS HELD FOR INVESTMENT (Tabl

LOANS HELD FOR INVESTMENT (Tables)	3 Months Ended
	Mar. 31, 2024
LOANS HELD FOR INVESTMENT [Abstract]
Summary of Loans Held for Investment by Category	Loans held for investment are summarized by category as of the periods presented below (dollars in thousands): March 31, 2024 December 31, 2023 Commercial real estate $ 1,110,283 $ 1,081,056 Commercial - specialized 351,546 372,376 Commercial - general 527,576 517,361 Consumer: 1-4 family residential 545,116 534,731 Auto loans 292,389 305,271 Other consumer 71,698 74,168 Construction 113,191 129,190 3,011,799 3,014,153 Allowance for credit on loans (42,174 ) (42,356 ) Loans, net $ 2,969,625 $ 2,971,797
Activity in ACL for Loans and Investment in Loans Disaggregated Based on Method of Evaluating Impairment	The following tables detail the activity in the ACL for loans for the periods indicated (dollars in thousands). Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. Beginning Balance Provision for Credit Losses (1) Charge-offs Recoveries Ending Balance For the three months ended March 31 , 2024 Commercial real estate $ 15,808 $ 62 $ (86 ) $ — $ 15,784 Commercial - specialized 4,020 (205 ) — 33 3,848 Commercial - general 6,391 659 (375 ) 33 6,708 Consumer: 1-4 family residential 9,177 273 (172 ) 2 9,280 Auto loans 3,601 (27 ) (224 ) 65 3,415 Other consumer 968 238 (282 ) 59 983 Construction 2,391 (235 ) — — 2,156 $ 42,356 $ 765 $ (1,139 ) $ 192 $ 42,174 (1) Beginning Balance Impact of CECL Adoption Provision for Credit Losses (1) Charge-offs Recoveries Ending Balance For the three months ended March 31 , 2023 Commercial real estate $ 13,029 $ 827 $ (475 ) $ — $ — $ 13,381 Commercial - specialized 3,425 33 (11 ) — 63 3,510 Commercial - general 9,215 (2,574 ) (237 ) (199 ) 62 6,267 Consumer: 1-4 family residential 6,194 1,700 635 — 2 8,531 Auto loans 3,926 (332 ) 298 (254 ) 76 3,714 Other consumer 1,376 (235 ) 68 (214 ) 106 1,101 Construction 2,123 683 522 (272 ) — 3,056 $ 39,288 $ 102 $ 800 $ (939 ) $ 309 $ 39,560 (1) The decrease in the provision for credit losses during the three months ended March 31, 2024, compared to the three months ended March 31, 2023, was primarily due to the change in unfunded loan commitments decreasing during the three months ended March 31, 2024 as compared to the three months ended March 31, 2023. The following tables show the Company’s amortized cost in loans and related ACL for collateral dependent loans by class using the fair value of collateral loss estimation methodology of evaluating expected credit losses at the dates indicated (dollars in thousands). Equipment Real Estate Other Total Loans Individually Evaluated Total ACL for Individually Evaluated Loans March 31, 2024 Commercial real estate $ — $ — $ — $ — $ — Commercial - specialized — — — — — Commercial - general 290 — — 290 62 Consumer: 1-4 family residential — — — — — Auto loans — — — — — Other consumer — — — — — Construction — — — — — $ 290 $ — $ — $ 290 $ 62 Equipment Real Estate Other Total Loans Individually Evaluated Total ACL for Individually Evaluated Loans December 31, 2023 Commercial real estate $ — $ — $ — $ — $ — Commercial - specialized — — — — — Commercial - general 353 691 — 1,044 142 Consumer: 1-4 family residential — 362 — 362 — Auto loans — — — — — Other consumer — — — — — Construction — 218 — 218 — $ 353 $ 1,271 $ — $ 1,624 $ 142
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans	The tables below provides an age analysis on accruing past-due loans and nonaccrual loans at the dates indicated (dollars in thousands): 30-89 Days Past Due 90 Days or More Past Due Nonaccrual Nonaccrual with no ACL March 31 , 2024 Commercial real estate $ 363 $ 16 $ — $ — Commercial - specialized 284 — 698 521 Commercial - general 615 266 474 58 Consumer: 1-4 Family residential 1,502 821 812 — Auto loans 692 136 — — Other consumer 722 129 28 — Construction 96 — — — $ 4,274 $ 1,368 $ 2,012 $ 579 30-89 Days Past Due 90 Days or More Past Due Nonaccrual Nonaccrual with no ACL December 31 , 2023 Commercial real estate $ 499 $ 86 $ — $ — Commercial - specialized 521 — 213 — Commercial - general 1,316 296 953 — Consumer: 1-4 Family residential 793 1,390 1,828 362 Auto loans 1,208 60 — — Other consumer 1,134 103 30 — Construction 759 — 218 218 $ 6,230 $ 1,935 $ 3,242 $ 580
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year and Gross Charge-offs	The following tables reflect the amortized cost basis in loans held for investment by credit quality indicator and origination year at the dates indicated, and related year-to-date gross charge-offs. Loans acquired are shown in the table by origination year. The Company had an immaterial amount of revolving loans converted to term loans at March 31, 2024 and December 31, 2023. Term Loans Amortized Cost Basis by Origination Year March 31, 2024 (Dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Loans Total Commercial real estate Pass $ 36,646 $ 269,179 $ 333,666 $ 178,208 $ 48,271 $ 203,508 $ 6,939 $ 1,076,417 Special mention — — — — 454 5,599 — 6,053 Substandard — — — 25,924 1,680 209 — 27,813 Total commercial real estate loans $ 36,646 $ 269,179 $ 333,666 $ 204,132 $ 50,405 $ 209,316 $ 6,939 $ 1,110,283 Year-to-date gross charge-offs $ — $ — $ 64 $ — $ — $ 22 $ — $ 86 Commercial - specialized Pass $ 34,312 $ 86,809 $ 50,711 $ 53,529 $ 18,133 $ 29,576 $ 74,554 $ 347,624 Special mention — — 2,595 — — — — 2,595 Substandard — 212 104 10 370 631 — 1,327 Total commercial - specialized loans $ 34,312 $ 87,021 $ 53,410 $ 53,539 $ 18,503 $ 30,207 $ 74,554 $ 351,546 Year-to-date gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial - general Pass $ 14,247 $ 84,488 $ 123,542 $ 89,825 $ 34,812 $ 99,454 $ 71,815 $ 518,183 Special mention — — — — — — 250 250 Substandard — 106 2,765 4,644 121 1,142 365 9,143 Total commercial - general loans $ 14,247 $ 84,594 $ 126,307 $ 94,469 $ 34,933 $ 100,596 $ 72,430 $ 527,576 Year-to-date gross charge-offs $ — $ 123 $ 210 $ 4 $ — $ 38 $ — $ 375 Consumer 1-4 family residential Pass $ 23,811 $ 110,045 $ 154,624 $ 104,760 $ 50,440 $ 83,667 $ 4,583 $ 531,930 Special mention — — — — — — — — Substandard — 376 350 4,164 680 7,569 47 13,186 Total consumer 1-4 family residential loans $ 23,811 $ 110,421 $ 154,974 $ 108,924 $ 51,120 $ 91,236 $ 4,630 $ 545,116 Year-to-date gross charge-offs $ — $ — $ 121 $ 51 $ — $ — $ — $ 172 Consumer auto loans Pass $ 19,810 98,205 111,516 42,328 13,774 6,236 — 291,869 Special mention — — — — — — — — Substandard — 30 126 246 31 87 — 520 Total consumer auto loans $ 19,810 $ 98,235 $ 111,642 $ 42,574 $ 13,805 $ 6,323 $ — $ 292,389 Year-to-date gross charge-offs $ — $ 65 $ 119 $ 26 $ 8 $ 6 $ — $ 224 Consumer other consumer Pass $ 6,596 $ 20,664 $ 23,499 $ 8,840 $ 2,605 $ 7,653 $ 1,575 $ 71,432 Special mention — — — — — — — — Substandard — 84 53 41 8 79 1 266 Total consumer other consumer loans $ 6,596 $ 20,748 $ 23,552 $ 8,881 $ 2,613 $ 7,732 $ 1,576 $ 71,698 Year-to-date gross charge-offs (1) $ 62 $ 101 $ 61 $ 24 $ — $ 34 $ — $ 282 Construction Pass $ 9,642 $ 62,805 $ 31,707 $ 2,635 $ 331 $ — $ 4,840 $ 111,960 Special mention — 315 — 820 — — — 1,135 Substandard — — 96 — — — — 96 Total construction loans $ 9,642 $ 63,120 $ 31,803 $ 3,455 $ 331 $ — $ 4,840 $ 113,191 Year-to-date gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — (1) Includes $62 thousand in charged-off demand deposit overdrafts reported as 2024 originations. Term Loans Amortized Cost Basis by Origination Year December 31, 2023 (Dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial real estate Pass $ 254,766 $ 324,601 $ 189,211 $ 50,660 $ 47,988 $ 174,859 $ 3,842 $ 1,045,927 Special mention — — — 11,677 — — — 11,677 Substandard — 82 21,152 1,699 149 370 — 23,452 Total commercial real estate loans $ 254,766 $ 324,683 $ 210,363 $ 64,036 $ 48,137 $ 175,229 $ 3,842 $ 1,081,056 Year-to-date gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — Commercial - specialized Pass $ 117,912 $ 56,152 $ 57,839 $ 19,883 $ 10,376 $ 22,758 $ 83,368 $ 368,288 Special mention — 2,938 — — — — 300 3,238 Substandard — 105 196 393 19 137 — 850 Total commercial - specialized loans $ 117,912 $ 59,195 $ 58,035 $ 20,276 $ 10,395 $ 22,895 $ 83,668 $ 372,376 Year-to-date gross charge-offs $ — $ — $ — $ 11 $ — $ — $ — $ 11 Commercial - general Pass $ 88,911 $ 128,627 $ 90,957 $ 35,794 $ 45,660 $ 68,990 $ 44,131 $ 503,070 Special mention — — — — — 1,565 250 1,815 Substandard 201 2,930 4,676 227 2,749 1,442 251 12,476 Total commercial - general loans $ 89,112 $ 131,557 $ 95,633 $ 36,021 $ 48,409 $ 71,997 $ 44,632 $ 517,361 Year-to-date gross charge-offs $ — $ 47 $ 50 $ 33 $ 18 $ 321 $ — $ 469 Consumer 1-4 family residential Pass $ 113,897 $ 156,549 $ 106,619 $ 51,940 $ 31,345 $ 56,666 $ 3,770 $ 520,786 Special mention — — — — — — — — Substandard 376 382 4,238 708 3,758 4,483 — 13,945 Total consumer 1-4 family residential loans $ 114,273 $ 156,931 $ 110,857 $ 52,648 $ 35,103 $ 61,149 $ 3,770 $ 534,731 Year-to-date gross charge-offs $ — $ — $ 1 $ — $ — $ — $ — $ 1 Consumer auto loans Pass $ 106,149 124,588 48,686 16,524 6,812 1,935 — 304,694 Special mention — — — — — — — — Substandard 16 189 199 60 81 32 — 577 Total consumer auto loans $ 106,165 $ 124,777 $ 48,885 $ 16,584 $ 6,893 $ 1,967 $ — $ 305,271 Year-to-date gross charge-offs $ 113 $ 377 $ 254 $ 14 $ 49 $ 81 $ — $ 888 Consumer other consumer Pass $ 23,719 $ 26,899 $ 10,198 $ 3,190 $ 2,539 $ 6,107 $ 1,364 $ 74,016 Special mention — — — — — — — — Substandard — 13 44 10 — 84 1 152 Total consumer other consumer loans $ 23,719 $ 26,912 $ 10,242 $ 3,200 $ 2,539 $ 6,191 $ 1,365 $ 74,168 Year-to-date gross charge-offs (1) $ 624 $ 244 $ 88 $ 32 $ 72 $ 80 $ — $ 1,140 Construction Pass $ 61,903 $ 53,930 $ 5,511 $ 331 $ — $ — $ 6,250 $ 127,925 Special mention 131 — 820 — — — — 951 Substandard — 314 — — — — — 314 Total construction loans $ 62,034 $ 54,244 $ 6,331 $ 331 $ — $ — $ 6,250 $ 129,190 Year-to-date gross charge-offs $ 48 $ — $ 271 $ — $ — $ — $ — $ 319 (1) Includes $574 thousand in charged-off demand deposit overdrafts reported as 2023 originations.
Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty and Financial Effects of Loan Modifications	The following tables present the amortized cost basis of loans at the dates indicated that were both experiencing financial difficulty and modified during the three months ended March 31, 2024 and 2023, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below (dollars in thousands): Payment Delay Term Extension Interest Rate Reduction Term Extension and Interest Rate Reduction Total Class of Financing Receivable March 31, 2024 Commercial real estate $ — $ — $ — $ — 0.00 % Commercial - specialized — — — — 0.00 % Commercial - general — — — 35 0.01 % Consumer: 1-4 family — — — — 0.00 % Auto loans — — — — 0.00 % Other consumer — — — — 0.00 % Construction — — — — 0.00 % $ — $ — $ — $ 35 0.00 % Payment Delay Term Extension Interest Rate Reduction Term Extension and Interest Rate Reduction Total Class of Financing Receivable March 31, 2023 Commercial real estate $ — $ — $ — $ — 0.00 % Commercial - specialized — — — — 0.00 % Commercial - general — 2,999 — 42 0.60 % Consumer: 1-4 family — 199 — — 0.04 % Auto loans — 40 — — 0.01 % Other consumer — — — — 0.00 % Construction — — — — 0.00 % $ — $ 3,238 $ — $ 42 0.12 % The following table presents the financial effects of the loan modifications presented above to borrowers experiencing financial difficulty for the three months ended March 31, 2024 and 2023 Principal Forgiveness Weighted- Average Interest Rate Reduction Weighted- Average Term Extension (Months) March 31, 2024 Commercial real estate $ — 0.00 % — Commercial - specialized — 0.00 % — Commercial - general — 1.75 % 49 Consumer: 1-4 Family residential — 0.00 % — Auto loans — 0.00 % — Other consumer — 0.00 % — Construction — 0.00 % — $ — 1.75 % 49 Principal Forgiveness Weighted- Average Interest Rate Reduction Weighted- Average Term Extension (Months) March 31, 2023 Commercial real estate $ — 0.00 % — Commercial - specialized — 0.00 % — Commercial - general — 0.25 % 43 Consumer: 1-4 Family residential — 0.00 % 10 Auto loans — 0.00 % 15 Other consumer — 0.00 % — Construction — 0.00 % — $ — 0.25 % 41 The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following presents the performance of such loans that have been modified in the last twelve months (dollars in thousands): Current 30-89 Days Past Due 90 Days or More Past Due Nonaccrual March 31, 2024 Commercial real estate $ 2,241 $ — $ — $ — Commercial - specialized 165 — — 16 Commercial - general 1,176 — — 290 Consumer: 1-4 Family residential 484 23 — 11 Auto loans 86 — — — Other consumer — 5 — — Construction 2,399 — — — $ 6,551 $ 28 $ — $ 317

GOODWILL AND INTANGIBLES (Table

GOODWILL AND INTANGIBLES (Tables)	3 Months Ended
	Mar. 31, 2024
GOODWILL AND INTANGIBLES [Abstract]
Other Intangible Assets	Other intangible assets, which consisted of core deposit intangibles at the dates indicated are summarized below (dollars in thousands): March 31, 2024 December 31, 2023 Amortized intangible assets Core deposit intangible $ 6,679 $ 6,679 Less: Accumulated amortization (4,432 ) (4,250 ) Other intangible assets, net $ 2,247 $ 2,429

MORTGAGE SERVICING RIGHTS (Tabl

MORTGAGE SERVICING RIGHTS (Tables)	3 Months Ended
	Mar. 31, 2024
MORTGAGE SERVICING RIGHTS [Abstract]
Change in Fair Value of Mortgage Servicing Rights Asset and Other Information	The following table reflects the changes in fair value of the Company’s mortgage servicing rights asset included in the Consolidated Balance Sheets, and other information related to the serviced portfolio, for the periods or dates presented (dollars in thousands): Three Months Ended March 31, 2024 2023 Beginning balance $ 26,569 $ 27,474 Additions 219 271 Valuation adjustment 55 (1,950 ) Ending balance $ 26,843 $ 25,795 March 31, December 31, 2024 2023 Mortgage loans serviced for others $ 1,983,974 $ 2,001,476 Mortgage servicing rights assets as a percentage of serviced mortgage loans 1.35 % 1.33 %
Key Assumptions Used in Measuring Fair Value of Mortgage Servicing Rights	The following table reflects the key assumptions used in measuring the fair value of the Company’s mortgage servicing rights as of the dates indicated: March 31, December 31, 2024 2023 Weighted average constant prepayment rate 7.38 % 7.46 % Weighted average discount rate 10.16 % 10.66 % Weighted average life in years 8.07 8.09

STOCK-BASED COMPENSATION (Table

STOCK-BASED COMPENSATION (Tables)	3 Months Ended
	Mar. 31, 2024
STOCK-BASED COMPENSATION [Abstract]
Summary of Stock Option Activity	A summary of activity in the Plan during the period indicated (dollars in thousands, except per share data): Number of Shares Weighted-Average Exercise Price Weighted-Average Remaining Contractual Life in Years Aggregate Intrinsic Value Three Months Ended March 31 , 2024 Outstanding at beginning of year: 1,280,858 $ 16.91 $ 12,767 Granted 32,465 29.32 — Exercised (3,565 ) 20.01 (24 ) Forfeited — — — Expired — — — Balance, March 31 2024 1,309,758 $ 17.21 4.98 $ 12,743 Exercisable at end of period 1,176,105 $ 16.27 4.61 $ 12,411 Vested at end of period 1,176,105 $ 16.27 4.61 $ 12,411
Summary of Assumptions Used to Calculate Fair Value of Awards	A summary of assumptions used to calculate the fair values of the awards granted during the periods noted is presented below: Three Months Ended March 31, 2024 2023 Expected volatility 40.45% 39.13% to 39.68% Expected dividend yield 1.80% 1.74% to 1.90% Expected term (years) 6.1 6.1 to 6.3 Risk-free interest rate 3.94% 3.91% to 3.98% Weighted average grant date fair value $ 11.10 $ 10.26
Summary of Activity of Restricted Stock Units	A summary of activity in the Plan during the period indicated Number of Shares Weighted-Average Grant Date Fair Value Three Months Ended March 31 , 2024 Outstanding at beginning of year: 125,917 $ 26.58 Granted 85,403 26.54 Vested (19,778 ) 27.45 Forfeited (3,169 ) 24.34 Balance, March 31 2024 188,373 $ 26.50

OFF-BALANCE-SHEET ACTIVITIES,_2

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES (Tables)	3 Months Ended
	Mar. 31, 2024
OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES [Abstract]
Financial Instruments Whose Contract Amounts Represent Credit Risk Outstanding	Financial instruments whose contract amounts represent credit risk outstanding at the dates indicated follow (dollars in thousands): March 31, 2024 December 31, 2023 Commitments to grant loans and unfunded commitments under lines of credit $ 634,758 $ 598,800 Standby letters of credit 11,943 11,503

CAPITAL AND REGULATORY MATTERS

CAPITAL AND REGULATORY MATTERS (Tables)	3 Months Ended
	Mar. 31, 2024
CAPITAL AND REGULATORY MATTERS [Abstract]
Actual Capital Amounts and Ratios	The Company and its bank subsidiary’s actual capital amounts and ratios at the dates indicated follows (dollars in thousands): Actual Minimum Required Under BASEL III Fully Phased-In To Be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio March 31 , 2024 Total Capital to Risk Weighted Assets: Consolidated $ 598,737 17.00 % $ 369,815 10.50 % N/A N/A City Bank 501,116 14.23 % 369,645 10.50 % $ 352,043 10.00 % Tier I Capital to Risk Weighted Assets: Consolidated 491,287 13.95 % 299,374 8.50 % N/A N/A City Bank 457,487 13.00 % 299,237 8.50 % 281,634 8.00 % Common Equity Tier 1 to Risk Weighted Assets: Consolidated 446,287 12.67 % 246,543 7.00 % N/A N/A City Bank 457,487 13.00 % 246,430 7.00 % 228,828 6.50 % Tier I Capital to Average Assets: Consolidated 491,287 11.51 % 171,622 4.00 % N/A N/A City Bank 457,487 10.72 % 171,516 4.00 % 213,318 5.00 % December 31 , 2023 Total Capital to Risk Weighted Assets: Consolidated $ 589,565 16.74 % $ 369,753 10.50 % N/A N/A City Bank 494,353 14.04 % 369,635 10.50 % $ 352,033 10.00 % Tier I Capital to Risk Weighted Assets: Consolidated 482,044 13.69 % 299,324 8.50 % N/A N/A City Bank 450,607 12.80 % 299,228 8.50 % 281,627 8.00 % Common Equity Tier 1 to Risk Weighted Assets: Consolidated 437,044 12.41 % 246,502 7.00 % N/A N/A City Bank 450,607 12.80 % 246,423 7.00 % 228,822 6.50 % Tier I Capital to Average Assets: Consolidated 482,044 11.33 % 171,037 4.00 % N/A N/A City Bank 450,607 10.60 % 170,945 4.00 % 212,594 5.00 %

DERIVATIVES (Tables)

DERIVATIVES (Tables)	3 Months Ended
	Mar. 31, 2024
Mortgage Banking [Member]
Derivative [Line Items]
Net Gains (Losses) Relating to Derivative Instruments	The net gains (losses) relating to free standing derivative instruments used for risk management are summarized below for the periods indicated (dollars in thousands): Three Months Ended March 31, Location 2024 2023 Gain (loss) on mortgage banking derivatives Net gain (loss) on sales of loans $ 308 $ (281 )
Fair Value of Derivatives in Consolidated Balance Sheets	The following table reflects the amount and fair value of mortgage banking derivatives in the Consolidated Balance Sheets at the dates indicated (dollars in thousands): March 31, 2024 December 31, 2023 Notional Amount Fair Value Notional Amount Fair Value Included in other assets Forward contracts related to mortgage loans held for sale $ — $ — $ — $ — Interest rate lock commitments 30,678 442 16,887 444 Included in other liabilities Forward contracts related to mortgage loans held for sale $ 26,197 $ 112 $ 19,021 $ 422
Fair Value Hedging [Member]
Derivative [Line Items]
Fair Value of Derivatives in Consolidated Balance Sheets	The following table reflects the fair value hedges included in the Consolidated Balance Sheets at the dates indicated (dollars in thousands): March 31, 2024 December 31, 2023 Notional Amount Fair Value Notional Amount Fair Value Included in other liabilities: Interest rate swaps related to fixed rate loans $ — $ — $ 987 $ 10 Interest rate swaps related to state and municipal securities — — — — Included in other assets: Interest rate swaps related to fixed rate loans $ 8,602 $ 385 $ 7,796 $ 158 Interest rate swaps related to state and municipal securities 123,760 17,940 123,760 16,628
Interest Rate Contracts [Member] | Fair Value Hedging [Member]
Derivative [Line Items]
Net Gains (Losses) Relating to Derivative Instruments	The following table reflects the changes in fair value hedges included in the Consolidated Statements of Comprehensive Income (Loss) for the periods indicated (dollars in thousands): Three Months Ended March 31 Interest Rate Contracts Location 2024 2023 Change in fair value of interest rate swaps hedging investment securities Other noninterest expense $ 1,312 $ (2,654 ) Change in fair value of hedged investment securities Other noninterest expense (1,385 ) 2,638 Change in fair value of interest rate swaps hedging fixed rate loans Interest income - Loans $ 237 $ — Change in fair value of hedged fixed rate loans Interest income - Loans (153 ) —

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2024
EARNINGS PER SHARE [Abstract]
Factors Used in Earnings Per Share Computation	The factors used in the earnings per share computation for the periods indicated follow (dollars in thousands, except per share data): Three Months Ended March 31, 2024 2023 Net income $ 10,874 $ 9,244 Weighted average common shares outstanding - basic 16,429,919 17,046,713 Effect of dilutive securities: Stock-based compensation awards 508,938 514,043 Weighted average common shares outstanding - diluted 16,938,857 17,560,756 Basic earnings per share $ 0.66 $ 0.54 Diluted earnings per share $ 0.64 $ 0.53

FAIR VALUE DISCLOSURES (Tables)

FAIR VALUE DISCLOSURES (Tables)	3 Months Ended
	Mar. 31, 2024
FAIR VALUE DISCLOSURES [Abstract]
Assets (Liabilities) Measured at Fair Value on Recurring and Non-Recurring Basis	The following table summarizes fair value measurements as of the dates indicated below (dollars in thousands): Level 1 Level 2 Level 3 Total March 31 , 2024 Assets (liabilities) measured at fair value on a recurring basis: Securities available for sale: State and municipal $ — $ 177,648 $ — $ 177,648 Residential mortgage-backed securities — 285,165 — 285,165 Commercial mortgage-backed securities — 40,854 — 40,854 Commercial collateralized mortgage obligations — 69,072 — 69,072 Asset-backed and other amortizing securities — 16,329 — 16,329 Other securities — 10,801 — 10,801 Loans held for sale (mandatory) — 9,686 — 9,686 Mortgage servicing rights — — 26,843 26,843 Asset derivatives — 18,767 — 18,767 Liability derivatives — (112 ) — (112 ) Assets measured at fair value on a non-recurring basis: Loans held for investment — — 228 228 December 31, 2023 Assets (liabilities) measured at fair value on a recurring basis: Securities available for sale: State and municipal $ — $ 180,575 $ — $ 180,575 Residential mortgage-backed securities — 300,704 — 300,704 Commercial mortgage-backed securities — 41,748 — 41,748 Commercial collateralized mortgage obligations — 71,930 — 71,930 Asset-backed and other amortizing securities — 17,040 — 17,040 Other securities — 10,765 — 10,765 Loans held for sale (mandatory) — 6,615 — 6,615 Mortgage servicing rights — — 26,569 26,569 Asset derivatives — 17,230 — 17,230 Liability derivatives — (432 ) — (432 ) Assets measured at fair value on a non-recurring basis: Loans held for investment — — 1,482 1,482
Quantitative Information about Recurring and Non-Recurring Level 3 Fair Value Measurements	The following table presents quantitative information about recurring and non-recurring Level 3 fair value measurements at the dates indicated (dollars in thousands): Fair Value Valuation Techniques Unobservable Inputs Range of Discounts March 31, 2024 Non-recurring: Loans held for investment $ 228 Third party appraisals or inspections Collateral discounts and selling costs 20%-25 % Recurring: Mortgage servicing rights 26,843 Discounted cash flows Constant prepayment rate 7.38 % Discount rate 10.16 % December 31, 2023 Non-recurring: Loans held for investment $ 1,482 Third party appraisals or inspections Collateral discounts and selling costs 20%-100 % Recurring: Mortgage servicing rights 26,569 Discounted cash flows Constant prepayment rate 7.46 % Discount rate 10.66 %
Estimated Fair Values, and Related Carrying Amounts of Financial Instruments	The estimated fair values, and related carrying amounts, of the Company’s financial instruments that are not previously disclosed in the recurring fair values section are as follows (dollars in thousands): Carrying Amount Level 1 Level 2 Level 3 Total Fair Value March 31 , 2024 Financial assets: Cash and cash equivalents $ 371,939 $ 371,939 $ — $ — $ 371,939 Loans held for investment, net 2,969,625 — — 2,857,552 2,857,552 Loans held for sale (best efforts) 6,065 — 6,172 — 6,172 Accrued interest receivable 16,605 — 16,605 — 16,605 Financial liabilities: Deposits $ 3,638,571 $ — $ 3,638,349 $ — $ 3,638,349 Accrued interest payable 4,229 — 4,229 — 4,229 Junior subordinated deferrable interest debentures 46,393 — 33,530 — 33,530 Subordinated debt 63,821 — 57,050 — 57,050 Carrying Amount Level 1 Level 2 Level 3 Total Fair Value December 31, 2023 Financial assets: Cash and cash equivalents $ 330,158 $ 330,158 $ — $ — $ 330,158 Loans held for investment, net 2,971,797 — — 2,848,536 2,848,536 Loans held for sale (best efforts) 7,884 — 7,977 — 7,977 Accrued interest receivable 20,881 — 20,881 — 20,881 Financial liabilities: Deposits $ 3,626,153 $ — $ 3,625,321 $ — $ 3,625,321 Accrued interest payable 5,057 — 5,057 — 5,057 Junior subordinated deferrable interest debentures 46,393 — 33,098 — 33,098 Subordinated debt 63,775 — 57,497 — 57,497

IMMATERIAL CORRECTION OF PRIO_2

IMMATERIAL CORRECTION OF PRIOR PERIOD ERROR (Tables)	3 Months Ended
	Mar. 31, 2024
IMMATERIAL CORRECTION OF PRIOR PERIOD ERROR [Abstract]
Summary of Immaterial Corrections to Previously Reported Unaudited Consolidated Financial Statements	A summary of the immaterial corrections to the Company’s previously reported unaudited consolidated financial statements follows. Corrected Consolidated Statement of Cash Flows for Three Months Ended March 31, 2023 (in thousands): As Reported Immaterial Correction As Corrected Proceeds from sales of loans held for sale $ 101,266 $ (14,373 ) $ 86,893 Loans originated for sale $ (88,664 ) $ 14,373 $ (74,291 )

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($) $ in Millions		3 Months Ended
	Apr. 01, 2023	Mar. 31, 2024
City Bank [Member] | Bank Subsidiary [Member]
Subsidiaries Information [Abstract]
Wholly-Owned, Consolidated Subsidiaries		City Bank
Ruidoso Retail, Inc. [Member] | Non-bank Subsidiary [Member]
Subsidiaries Information [Abstract]
Wholly-Owned, Consolidated Subsidiaries		Ruidoso Retail, Inc.
CB Provence, LLC [Member] | Non-bank Subsidiary [Member]
Subsidiaries Information [Abstract]
Wholly-Owned, Consolidated Subsidiaries		CB Provence, LLC
CBT Brushy Creek, LLC [Member] | Non-bank Subsidiary [Member]
Subsidiaries Information [Abstract]
Wholly-Owned, Consolidated Subsidiaries		CBT Brushy Creek, LLC
CBT Properties, LLC [Member] | Non-bank Subsidiary [Member]
Subsidiaries Information [Abstract]
Wholly-Owned, Consolidated Subsidiaries		CBT Properties, LLC
South Plains Financial Capital Trusts (SPFCT) III-V [Member] | Non-bank Subsidiary [Member]
Subsidiaries Information [Abstract]
Wholly-Owned, Equity Method Subsidiaries		South Plains Financial Capital Trusts (“SPFCT”) III-V
Windmark [Member]
Windmark Sale [Abstract]
Aggregate purchase price	$ 36.1
Pre-tax gain on sale of subsidiary	$ 33.8

SECURITIES, Amortized Cost and

SECURITIES, Amortized Cost and Fair Value of Securities with Gross Unrealized Gains and Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Available for sale [Abstract]
Amortized cost	$ 692,769	$ 704,830
Gross unrealized gains	1	2
Gross unrealized losses	(92,901)	(82,070)
Allowance for credit losses	0	0
Fair value	599,869	622,762
State and Municipal [Member]
Available for sale [Abstract]
Amortized cost	201,459	202,814
Gross unrealized gains	1	2
Gross unrealized losses	(23,812)	(22,241)
Allowance for credit losses	0	0
Fair value	177,648	180,575
Residential Mortgage-backed Securities [Member]
Available for sale [Abstract]
Amortized cost	344,258	351,251
Gross unrealized gains	0	0
Gross unrealized losses	(59,093)	(50,547)
Allowance for credit losses	0	0
Fair value	285,165	300,704
Commercial Mortgage-backed Securities [Member]
Available for sale [Abstract]
Amortized cost	47,576	47,898
Gross unrealized gains	0	0
Gross unrealized losses	(6,722)	(6,150)
Allowance for credit losses	0	0
Fair value	40,854	41,748
Commercial Collateralized Mortgage Obligations [Member]
Available for sale [Abstract]
Amortized cost	69,486	72,391
Gross unrealized gains	0	0
Gross unrealized losses	(414)	(461)
Allowance for credit losses	0	0
Fair value	69,072	71,930
Asset-backed and Other Amortizing Securities [Member]
Available for sale [Abstract]
Amortized cost	17,990	18,476
Gross unrealized gains	0	0
Gross unrealized losses	(1,661)	(1,436)
Allowance for credit losses	0	0
Fair value	16,329	17,040
Other Securities [Member]
Available for sale [Abstract]
Amortized cost	12,000	12,000
Gross unrealized gains	0	0
Gross unrealized losses	(1,199)	(1,235)
Allowance for credit losses	0	0
Fair value	$ 10,801	$ 10,765

SECURITIES, Amortized Cost an_2

SECURITIES, Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Available for Sale, Amortized Cost [Abstract]
Within 1 year	$ 409
After 1 year through 5 years	6,380
After 5 years through 10 years	16,170
After 10 years	190,500
Declining-balance securities	479,310
Amortized cost	692,769	$ 704,830
Available for Sale, Fair Value [Abstract]
Within 1 year	403
After 1 year through 5 years	6,198
After 5 years through 10 years	14,940
After 10 years	166,908
Other	411,420
Fair value	$ 599,869	$ 622,762

SECURITIES, Securities Transfer

SECURITIES, Securities Transferred and Securities Pledged (Details) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2024 USD ($) Security	Dec. 31, 2023 USD ($) Security
SECURITIES [Abstract]
Holdings of securities of any one issuer, other than the U.S. government and its agencies, in an amount greater than 10% of stockholders' equity | Security	0	0
Carrying value of securities pledged to collateralize public deposits and for other purposes | $	$ 425.6	$ 438.9

SECURITIES, Securities with Unr

SECURITIES, Securities with Unrealized Losses, Available for Sale (Details) $ in Thousands	Mar. 31, 2024 USD ($) Security	Dec. 31, 2023 USD ($)
Available for sale, Fair Value [Abstract]
Less than 12 months	$ 4,086	$ 3,502
12 months or more	594,496	616,800
Total	598,582	620,302
Available for sale, Unrealized Loss [Abstract]
Less than 12 months	211	214
12 months or more	92,690	81,856
Total	$ 92,901	82,070
Number of securities with an unrealized loss | Security	144
State and Municipal [Member]
Available for sale, Fair Value [Abstract]
Less than 12 months	$ 787	207
12 months or more	175,575	177,908
Total	176,362	178,115
Available for sale, Unrealized Loss [Abstract]
Less than 12 months	1	0
12 months or more	23,811	22,241
Total	23,812	22,241
Residential Mortgage-backed Securities [Member]
Available for sale, Fair Value [Abstract]
Less than 12 months	9	9
12 months or more	285,156	300,695
Total	285,165	300,704
Available for sale, Unrealized Loss [Abstract]
Less than 12 months	0	0
12 months or more	59,093	50,547
Total	59,093	50,547
Commercial Mortgage-backed Securities [Member]
Available for sale, Fair Value [Abstract]
Less than 12 months	0	0
12 months or more	40,854	41,748
Total	40,854	41,748
Available for sale, Unrealized Loss [Abstract]
Less than 12 months	0	0
12 months or more	6,722	6,150
Total	6,722	6,150
Commercial Collateralized Mortgage Obligations [Member]
Available for sale, Fair Value [Abstract]
Less than 12 months	0	0
12 months or more	69,072	71,930
Total	69,072	71,930
Available for sale, Unrealized Loss [Abstract]
Less than 12 months	0	0
12 months or more	414	461
Total	414	461
Asset-backed and Other Amortizing Securities [Member]
Available for sale, Fair Value [Abstract]
Less than 12 months	0	0
12 months or more	16,328	17,040
Total	16,328	17,040
Available for sale, Unrealized Loss [Abstract]
Less than 12 months	0	0
12 months or more	1,661	1,436
Total	1,661	1,436
Other Securities [Member]
Available for sale, Fair Value [Abstract]
Less than 12 months	3,290	3,286
12 months or more	7,511	7,479
Total	10,801	10,765
Available for sale, Unrealized Loss [Abstract]
Less than 12 months	210	214
12 months or more	989	1,021
Total	$ 1,199	$ 1,235

LOANS HELD FOR INVESTMENT, Summ

LOANS HELD FOR INVESTMENT, Summary of Loans Held for Investment by Category (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($) Category	Dec. 31, 2023 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Summary of Loans Held for Investment by Category [Abstract]
Loans, gross	$ 3,011,799	$ 3,014,153
Allowance for credit losses on loans	(42,174)	(42,356)	$ (39,560)	$ (39,288)
Loans held for investment, net	2,969,625	2,971,797
Commercial Real Estate [Member]
Summary of Loans Held for Investment by Category [Abstract]
Loans, gross	1,110,283	1,081,056
Allowance for credit losses on loans	$ (15,784)	(15,808)	(13,381)	(13,029)
Commercial [Member]
Summary of Loans Held for Investment by Category [Abstract]
Number of sub-categories of loans | Category	2
Commercial [Member] | Specialized [Member]
Summary of Loans Held for Investment by Category [Abstract]
Loans, gross	$ 351,546	372,376
Allowance for credit losses on loans	(3,848)	(4,020)	(3,510)	(3,425)
Commercial [Member] | General [Member]
Summary of Loans Held for Investment by Category [Abstract]
Loans, gross	527,576	517,361
Allowance for credit losses on loans	(6,708)	(6,391)	(6,267)	(9,215)
Consumer [Member] | 1-4 Family Residential [Member]
Summary of Loans Held for Investment by Category [Abstract]
Loans, gross	545,116	534,731
Allowance for credit losses on loans	(9,280)	(9,177)	(8,531)	(6,194)
Consumer [Member] | Auto Loans [Member]
Summary of Loans Held for Investment by Category [Abstract]
Loans, gross	292,389	305,271
Allowance for credit losses on loans	(3,415)	(3,601)	(3,714)	(3,926)
Consumer [Member] | Other Consumer [Member]
Summary of Loans Held for Investment by Category [Abstract]
Loans, gross	71,698	74,168
Allowance for credit losses on loans	(983)	(968)	(1,101)	(1,376)
Construction [Member]
Summary of Loans Held for Investment by Category [Abstract]
Loans, gross	113,191	129,190
Allowance for credit losses on loans	$ (2,156)	$ (2,391)	$ (3,056)	$ (2,123)

LOANS HELD FOR INVESTMENT, Acti

LOANS HELD FOR INVESTMENT, Activity in ACL for Loans (Details) - USD ($) $ in Thousands	3 Months Ended				12 Months Ended
	Mar. 31, 2024		Mar. 31, 2023		Dec. 31, 2023
LOANS HELD FOR INVESTMENT [Abstract]
Ratio of ACL for loans to loans held for investment	1.40%				1.41%
Allowance for Credit Losses [Roll Forward]
Beginning Balance	$ 42,356		$ 39,288		$ 39,288
Provision for credit losses	765	[1]	800	[2]
Charge-offs	(1,139)		(939)
Recoveries	192		309
Ending Balance	42,174		39,560		42,356
Provision for credit losses	830		1,010
Provision for off-balance sheet credit exposures	65		210
Impact of CECL Adoption [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance			102		102
Commercial Real Estate [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance	15,808		13,029		13,029
Provision for credit losses	62	[1]	(475)	[2]
Charge-offs	(86)		0		0
Recoveries	0		0
Ending Balance	15,784		13,381		15,808
Commercial Real Estate [Member] | Impact of CECL Adoption [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance			827		827
Commercial [Member] | Specialized [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance	4,020		3,425		3,425
Provision for credit losses	(205)	[1]	(11)	[2]
Charge-offs	0		0		(11)
Recoveries	33		63
Ending Balance	3,848		3,510		4,020
Commercial [Member] | Specialized [Member] | Impact of CECL Adoption [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance			33		33
Commercial [Member] | General [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance	6,391		9,215		9,215
Provision for credit losses	659	[1]	(237)	[2]
Charge-offs	(375)		(199)		(469)
Recoveries	33		62
Ending Balance	6,708		6,267		6,391
Commercial [Member] | General [Member] | Impact of CECL Adoption [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance			(2,574)		(2,574)
Consumer [Member] | 1-4 Family Residential [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance	9,177		6,194		6,194
Provision for credit losses	273	[1]	635	[2]
Charge-offs	(172)		0		(1)
Recoveries	2		2
Ending Balance	9,280		8,531		9,177
Consumer [Member] | 1-4 Family Residential [Member] | Impact of CECL Adoption [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance			1,700		1,700
Consumer [Member] | Auto Loans [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance	3,601		3,926		3,926
Provision for credit losses	(27)	[1]	298	[2]
Charge-offs	(224)		(254)		(888)
Recoveries	65		76
Ending Balance	3,415		3,714		3,601
Consumer [Member] | Auto Loans [Member] | Impact of CECL Adoption [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance			(332)		(332)
Consumer [Member] | Other Consumer [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance	968		1,376		1,376
Provision for credit losses	238	[1]	68	[2]
Charge-offs	(282)	[3]	(214)		(1,140)	[4]
Recoveries	59		106
Ending Balance	983		1,101		968
Consumer [Member] | Other Consumer [Member] | Impact of CECL Adoption [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance			(235)		(235)
Construction [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance	2,391		2,123		2,123
Provision for credit losses	(235)	[1]	522	[2]
Charge-offs	0		(272)		(319)
Recoveries	0		0
Ending Balance	$ 2,156		3,056		2,391
Construction [Member] | Impact of CECL Adoption [Member]
Allowance for Credit Losses [Roll Forward]
Beginning Balance			$ 683		$ 683
[1]The $830 thousand provision for credit loss on the consolidated statement of comprehensive income (loss) includes a $765 thousand provision for credit losses on loans and a $65 thousand provision for off-balance sheet credit exposures for the three months ended March 31, 2024.[2]The $1.0 million provision for credit loss on the consolidated statement of comprehensive income (loss) includes a $800 thousand provision for credit losses on loans and a $210 thousand provision for off-balance sheet credit exposures for the three months ended March 31, 2023.[3]Includes $62 thousand in charged-off demand deposit overdrafts reported as 2024 originations.[4]Includes $574 thousand in charged-off demand deposit overdrafts reported as 2023 originations.

LOANS HELD FOR INVESTMENT, Reco

LOANS HELD FOR INVESTMENT, Recorded Investment in Loans and Related ACL on Loans Recorded Disaggregated (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	$ 290	$ 1,624
ACL for Loans [Abstract]
Individually Evaluated - Fair Value of Collateral	62	142
Real Estate [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	1,271
Equipment [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	290	353
Other [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Commercial Real Estate [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
ACL for Loans [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Commercial Real Estate [Member] | Real Estate [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Commercial Real Estate [Member] | Equipment [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Commercial Real Estate [Member] | Other [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Commercial [Member] | Specialized [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
ACL for Loans [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Commercial [Member] | Specialized [Member] | Real Estate [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Commercial [Member] | Specialized [Member] | Equipment [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Commercial [Member] | Specialized [Member] | Other [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Commercial [Member] | General [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	290	1,044
ACL for Loans [Abstract]
Individually Evaluated - Fair Value of Collateral	62	142
Commercial [Member] | General [Member] | Real Estate [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	691
Commercial [Member] | General [Member] | Equipment [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	290	353
Commercial [Member] | General [Member] | Other [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Consumer [Member] | 1-4 Family Residential [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	362
ACL for Loans [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Consumer [Member] | 1-4 Family Residential [Member] | Real Estate [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	362
Consumer [Member] | 1-4 Family Residential [Member] | Equipment [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Consumer [Member] | 1-4 Family Residential [Member] | Other [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Consumer [Member] | Auto Loans [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
ACL for Loans [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Consumer [Member] | Auto Loans [Member] | Real Estate [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Consumer [Member] | Auto Loans [Member] | Equipment [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Consumer [Member] | Auto Loans [Member] | Other [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Consumer [Member] | Other Consumer [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
ACL for Loans [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Consumer [Member] | Other Consumer [Member] | Real Estate [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Consumer [Member] | Other Consumer [Member] | Equipment [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Consumer [Member] | Other Consumer [Member] | Other [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Construction [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	218
ACL for Loans [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Construction [Member] | Real Estate [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	218
Construction [Member] | Equipment [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	0	0
Construction [Member] | Other [Member]
Recorded Investment [Abstract]
Individually Evaluated - Fair Value of Collateral	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Age

LOANS HELD FOR INVESTMENT, Age Analysis on Accruing Past-due Loans and Nonaccrual Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	$ 3,011,799	$ 3,014,153
Total Nonaccrual	2,012	3,242
Nonaccrual with no ACL	579	580
30-89 Days Past Due [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	4,274	6,230
90 Days or More Past Due and Still Accruing [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	1,368	1,935
Commercial Real Estate [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	1,110,283	1,081,056
Total Nonaccrual	0	0
Nonaccrual with no ACL	0	0
Commercial Real Estate [Member] | 30-89 Days Past Due [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	363	499
Commercial Real Estate [Member] | 90 Days or More Past Due and Still Accruing [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	16	86
Commercial [Member] | Specialized [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	351,546	372,376
Total Nonaccrual	698	213
Nonaccrual with no ACL	521	0
Commercial [Member] | Specialized [Member] | 30-89 Days Past Due [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	284	521
Commercial [Member] | Specialized [Member] | 90 Days or More Past Due and Still Accruing [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	0	0
Commercial [Member] | General [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	527,576	517,361
Total Nonaccrual	474	953
Nonaccrual with no ACL	58	0
Commercial [Member] | General [Member] | 30-89 Days Past Due [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	615	1,316
Commercial [Member] | General [Member] | 90 Days or More Past Due and Still Accruing [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	266	296
Consumer [Member] | 1-4 Family Residential [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	545,116	534,731
Total Nonaccrual	812	1,828
Nonaccrual with no ACL	0	362
Consumer [Member] | 1-4 Family Residential [Member] | 30-89 Days Past Due [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	1,502	793
Consumer [Member] | 1-4 Family Residential [Member] | 90 Days or More Past Due and Still Accruing [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	821	1,390
Consumer [Member] | Auto Loans [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	292,389	305,271
Total Nonaccrual	0	0
Nonaccrual with no ACL	0	0
Consumer [Member] | Auto Loans [Member] | 30-89 Days Past Due [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	692	1,208
Consumer [Member] | Auto Loans [Member] | 90 Days or More Past Due and Still Accruing [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	136	60
Consumer [Member] | Other Consumer [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	71,698	74,168
Total Nonaccrual	28	30
Nonaccrual with no ACL	0	0
Consumer [Member] | Other Consumer [Member] | 30-89 Days Past Due [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	722	1,134
Consumer [Member] | Other Consumer [Member] | 90 Days or More Past Due and Still Accruing [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	129	103
Construction [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	113,191	129,190
Total Nonaccrual	0	218
Nonaccrual with no ACL	0	218
Construction [Member] | 30-89 Days Past Due [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	96	759
Construction [Member] | 90 Days or More Past Due and Still Accruing [Member]
Age Analysis on Accruing Past-due Loans and Nonaccrual Loans [Abstract]
Past Due	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Amor

LOANS HELD FOR INVESTMENT, Amortized Cost Basis of Loans by Credit Quality Indicator and Origination Year and Gross Charge-offs (Details) $ in Thousands	3 Months Ended			12 Months Ended
	Mar. 31, 2024 USD ($) Point		Mar. 31, 2023 USD ($)	Dec. 31, 2023 USD ($)
Credit Quality Indicators [Abstract]
Number of points on a grading scale for loans | Point	13
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
Loans	$ 3,011,799			$ 3,014,153
Current Period Gross Charge-offs [Abstract]
2024	62			574
Current period gross charge-offs	1,139		$ 939
Minimum [Member]
Credit Quality Indicators [Abstract]
Non-accrual loans with direct exposure analyzed for individual evaluation	250
Past due accruing loans closely monitored	100
Substandard [Member] | Minimum [Member]
Credit Quality Indicators [Abstract]
Accruing loans with direct exposure that are closely monitored	1,000
Commercial Real Estate [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	36,646			254,766
2023	269,179			324,683
2022	333,666			210,363
2021	204,132			64,036
2020	50,405			48,137
2019	209,316			175,229
Revolving loans	6,939			3,842
Loans	1,110,283			1,081,056
Current Period Gross Charge-offs [Abstract]
2024	0			0
2023	0			0
2022	64			0
2021	0			0
2020	0			0
2019	22			0
Revolving loans	0			0
Current period gross charge-offs	86		0	0
Commercial Real Estate [Member] | Pass [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	36,646			254,766
2023	269,179			324,601
2022	333,666			189,211
2021	178,208			50,660
2020	48,271			47,988
2019	203,508			174,859
Revolving loans	6,939			3,842
Loans	1,076,417			1,045,927
Commercial Real Estate [Member] | Special Mention [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			0
2023	0			0
2022	0			0
2021	0			11,677
2020	454			0
2019	5,599			0
Revolving loans	0			0
Loans	6,053			11,677
Commercial Real Estate [Member] | Substandard [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			0
2023	0			82
2022	0			21,152
2021	25,924			1,699
2020	1,680			149
2019	209			370
Revolving loans	0			0
Loans	27,813			23,452
Commercial [Member] | Specialized [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	34,312			117,912
2023	87,021			59,195
2022	53,410			58,035
2021	53,539			20,276
2020	18,503			10,395
2019	30,207			22,895
Revolving loans	74,554			83,668
Loans	351,546			372,376
Current Period Gross Charge-offs [Abstract]
2024	0			0
2023	0			0
2022	0			0
2021	0			11
2020	0			0
2019	0			0
Revolving loans	0			0
Current period gross charge-offs	0		0	11
Commercial [Member] | Specialized [Member] | Pass [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	34,312			117,912
2023	86,809			56,152
2022	50,711			57,839
2021	53,529			19,883
2020	18,133			10,376
2019	29,576			22,758
Revolving loans	74,554			83,368
Loans	347,624			368,288
Commercial [Member] | Specialized [Member] | Special Mention [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			0
2023	0			2,938
2022	2,595			0
2021	0			0
2020	0			0
2019	0			0
Revolving loans	0			300
Loans	2,595			3,238
Commercial [Member] | Specialized [Member] | Substandard [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			0
2023	212			105
2022	104			196
2021	10			393
2020	370			19
2019	631			137
Revolving loans	0			0
Loans	1,327			850
Commercial [Member] | General [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	14,247			89,112
2023	84,594			131,557
2022	126,307			95,633
2021	94,469			36,021
2020	34,933			48,409
2019	100,596			71,997
Revolving loans	72,430			44,632
Loans	527,576			517,361
Current Period Gross Charge-offs [Abstract]
2024	0			0
2023	123			47
2022	210			50
2021	4			33
2020	0			18
2019	38			321
Revolving loans	0			0
Current period gross charge-offs	375		199	469
Commercial [Member] | General [Member] | Pass [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	14,247			88,911
2023	84,488			128,627
2022	123,542			90,957
2021	89,825			35,794
2020	34,812			45,660
2019	99,454			68,990
Revolving loans	71,815			44,131
Loans	518,183			503,070
Commercial [Member] | General [Member] | Special Mention [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			0
2023	0			0
2022	0			0
2021	0			0
2020	0			0
2019	0			1,565
Revolving loans	250			250
Loans	250			1,815
Commercial [Member] | General [Member] | Substandard [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			201
2023	106			2,930
2022	2,765			4,676
2021	4,644			227
2020	121			2,749
2019	1,142			1,442
Revolving loans	365			251
Loans	9,143			12,476
Consumer [Member] | 1-4 Family Residential [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	23,811			114,273
2023	110,421			156,931
2022	154,974			110,857
2021	108,924			52,648
2020	51,120			35,103
2019	91,236			61,149
Revolving loans	4,630			3,770
Loans	545,116			534,731
Current Period Gross Charge-offs [Abstract]
2024	0			0
2023	0			0
2022	121			1
2021	51			0
2020	0			0
2019	0			0
Revolving loans	0			0
Current period gross charge-offs	172		0	1
Consumer [Member] | 1-4 Family Residential [Member] | Pass [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	23,811			113,897
2023	110,045			156,549
2022	154,624			106,619
2021	104,760			51,940
2020	50,440			31,345
2019	83,667			56,666
Revolving loans	4,583			3,770
Loans	531,930			520,786
Consumer [Member] | 1-4 Family Residential [Member] | Special Mention [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			0
2023	0			0
2022	0			0
2021	0			0
2020	0			0
2019	0			0
Revolving loans	0			0
Loans	0			0
Consumer [Member] | 1-4 Family Residential [Member] | Substandard [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			376
2023	376			382
2022	350			4,238
2021	4,164			708
2020	680			3,758
2019	7,569			4,483
Revolving loans	47			0
Loans	13,186			13,945
Consumer [Member] | Auto Loans [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	19,810			106,165
2023	98,235			124,777
2022	111,642			48,885
2021	42,574			16,584
2020	13,805			6,893
2019	6,323			1,967
Revolving loans	0			0
Loans	292,389			305,271
Current Period Gross Charge-offs [Abstract]
2024	0			113
2023	65			377
2022	119			254
2021	26			14
2020	8			49
2019	6			81
Revolving loans	0			0
Current period gross charge-offs	224		254	888
Consumer [Member] | Auto Loans [Member] | Pass [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	19,810			106,149
2023	98,205			124,588
2022	111,516			48,686
2021	42,328			16,524
2020	13,774			6,812
2019	6,236			1,935
Revolving loans	0			0
Loans	291,869			304,694
Consumer [Member] | Auto Loans [Member] | Special Mention [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			0
2023	0			0
2022	0			0
2021	0			0
2020	0			0
2019	0			0
Revolving loans	0			0
Loans	0			0
Consumer [Member] | Auto Loans [Member] | Substandard [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			16
2023	30			189
2022	126			199
2021	246			60
2020	31			81
2019	87			32
Revolving loans	0			0
Loans	520			577
Consumer [Member] | Other Consumer [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	6,596			23,719
2023	20,748			26,912
2022	23,552			10,242
2021	8,881			3,200
2020	2,613			2,539
2019	7,732			6,191
Revolving loans	1,576			1,365
Loans	71,698			74,168
Current Period Gross Charge-offs [Abstract]
2024	62	[1]		624	[2]
2023	101	[1]		244	[2]
2022	61	[1]		88	[2]
2021	24	[1]		32	[2]
2020	0	[1]		72	[2]
2019	34	[1]		80	[2]
Revolving loans	0	[1]		0	[2]
Current period gross charge-offs	282	[1]	214	1,140	[2]
Consumer [Member] | Other Consumer [Member] | Pass [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	6,596			23,719
2023	20,664			26,899
2022	23,499			10,198
2021	8,840			3,190
2020	2,605			2,539
2019	7,653			6,107
Revolving loans	1,575			1,364
Loans	71,432			74,016
Consumer [Member] | Other Consumer [Member] | Special Mention [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			0
2023	0			0
2022	0			0
2021	0			0
2020	0			0
2019	0			0
Revolving loans	0			0
Loans	0			0
Consumer [Member] | Other Consumer [Member] | Substandard [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			0
2023	84			13
2022	53			44
2021	41			10
2020	8			0
2019	79			84
Revolving loans	1			1
Loans	266			152
Construction [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	9,642			62,034
2023	63,120			54,244
2022	31,803			6,331
2021	3,455			331
2020	331			0
2019	0			0
Revolving loans	4,840			6,250
Loans	113,191			129,190
Current Period Gross Charge-offs [Abstract]
2024	0			48
2023	0			0
2022	0			271
2021	0			0
2020	0			0
2019	0			0
Revolving loans	0			0
Current period gross charge-offs	0		$ 272	319
Construction [Member] | Pass [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	9,642			61,903
2023	62,805			53,930
2022	31,707			5,511
2021	2,635			331
2020	331			0
2019	0			0
Revolving loans	4,840			6,250
Loans	111,960			127,925
Construction [Member] | Special Mention [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			131
2023	315			0
2022	0			820
2021	820			0
2020	0			0
2019	0			0
Revolving loans	0			0
Loans	1,135			951
Construction [Member] | Substandard [Member]
Amortized Cost Basis in Loans by Credit Quality Indicator and Origination Year [Abstract]
2024	0			0
2023	0			314
2022	96			0
2021	0			0
2020	0			0
2019	0			0
Revolving loans	0			0
Loans	$ 96			$ 314
[1]Includes $62 thousand in charged-off demand deposit overdrafts reported as 2024 originations.[2]Includes $574 thousand in charged-off demand deposit overdrafts reported as 2023 originations.

LOANS HELD FOR INVESTMENT, Am_2

LOANS HELD FOR INVESTMENT, Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Financing Receivable Modification [Abstract]
Total class of financing receivable	0%	0.12%
Payment Delay [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Term Extension [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	3,238
Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	0
Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 35	$ 42
Commercial Real Estate [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	0%	0%
Commercial Real Estate [Member] | Payment Delay [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Commercial Real Estate [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	0
Commercial Real Estate [Member] | Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	0
Commercial Real Estate [Member] | Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Commercial [Member] | Specialized [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	0%	0%
Commercial [Member] | Specialized [Member] | Payment Delay [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Commercial [Member] | Specialized [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	0
Commercial [Member] | Specialized [Member] | Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	0
Commercial [Member] | Specialized [Member] | Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Commercial [Member] | General [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	0.01%	0.60%
Commercial [Member] | General [Member] | Payment Delay [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Commercial [Member] | General [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	2,999
Commercial [Member] | General [Member] | Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	0
Commercial [Member] | General [Member] | Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 35	$ 42
Consumer [Member] | 1-4 Family [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	0%	0.04%
Consumer [Member] | 1-4 Family [Member] | Payment Delay [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Consumer [Member] | 1-4 Family [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	199
Consumer [Member] | 1-4 Family [Member] | Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	0
Consumer [Member] | 1-4 Family [Member] | Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Consumer [Member] | Auto Loans [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	0%	0.01%
Consumer [Member] | Auto Loans [Member] | Payment Delay [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Consumer [Member] | Auto Loans [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	40
Consumer [Member] | Auto Loans [Member] | Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	0
Consumer [Member] | Auto Loans [Member] | Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Consumer [Member] | Other Consumer [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	0%	0%
Consumer [Member] | Other Consumer [Member] | Payment Delay [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Consumer [Member] | Other Consumer [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	0
Consumer [Member] | Other Consumer [Member] | Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	0
Consumer [Member] | Other Consumer [Member] | Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Construction [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	0%	0%
Construction [Member] | Payment Delay [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0
Construction [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	0
Construction [Member] | Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	0	0
Construction [Member] | Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Loans modified	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Perf

LOANS HELD FOR INVESTMENT, Performance of Loans Modified (Details) $ in Thousands	Mar. 31, 2024 USD ($)
Performance of Loans Modified [Abstract]
Nonaccrual	$ 317
Current [Member]
Performance of Loans Modified [Abstract]
Loans modified	6,551
30-89 Days Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	28
90 Days or More Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Commercial Real Estate [Member]
Performance of Loans Modified [Abstract]
Nonaccrual	0
Commercial Real Estate [Member] | Current [Member]
Performance of Loans Modified [Abstract]
Loans modified	2,241
Commercial Real Estate [Member] | 30-89 Days Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Commercial Real Estate [Member] | 90 Days or More Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Commercial [Member] | Specialized [Member]
Performance of Loans Modified [Abstract]
Nonaccrual	16
Commercial [Member] | Specialized [Member] | Current [Member]
Performance of Loans Modified [Abstract]
Loans modified	165
Commercial [Member] | Specialized [Member] | 30-89 Days Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Commercial [Member] | Specialized [Member] | 90 Days or More Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Commercial [Member] | General [Member]
Performance of Loans Modified [Abstract]
Nonaccrual	290
Commercial [Member] | General [Member] | Current [Member]
Performance of Loans Modified [Abstract]
Loans modified	1,176
Commercial [Member] | General [Member] | 30-89 Days Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Commercial [Member] | General [Member] | 90 Days or More Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Consumer [Member] | 1-4 Family Residential [Member]
Performance of Loans Modified [Abstract]
Nonaccrual	11
Consumer [Member] | 1-4 Family Residential [Member] | Current [Member]
Performance of Loans Modified [Abstract]
Loans modified	484
Consumer [Member] | 1-4 Family Residential [Member] | 30-89 Days Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	23
Consumer [Member] | 1-4 Family Residential [Member] | 90 Days or More Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Consumer [Member] | Auto Loans [Member]
Performance of Loans Modified [Abstract]
Nonaccrual	0
Consumer [Member] | Auto Loans [Member] | Current [Member]
Performance of Loans Modified [Abstract]
Loans modified	86
Consumer [Member] | Auto Loans [Member] | 30-89 Days Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Consumer [Member] | Auto Loans [Member] | 90 Days or More Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Consumer [Member] | Other Consumer [Member]
Performance of Loans Modified [Abstract]
Nonaccrual	0
Consumer [Member] | Other Consumer [Member] | Current [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Consumer [Member] | Other Consumer [Member] | 30-89 Days Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	5
Consumer [Member] | Other Consumer [Member] | 90 Days or More Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Construction [Member]
Performance of Loans Modified [Abstract]
Nonaccrual	0
Construction [Member] | Current [Member]
Performance of Loans Modified [Abstract]
Loans modified	2,399
Construction [Member] | 30-89 Days Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	0
Construction [Member] | 90 Days or More Past Due [Member]
Performance of Loans Modified [Abstract]
Loans modified	$ 0

LOANS HELD FOR INVESTMENT, Fina

LOANS HELD FOR INVESTMENT, Financial Effects of Loan Modifications (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Financial Effects of Loan Modifications [Abstract]
Weighted-average interest rate reduction	1.75%	0.25%
Weighted-average term extension	49 months	41 months
Principal Forgiveness [Member]
Financial Effects of Loan Modifications [Abstract]
Loans modified	$ 0	$ 0
Commercial Real Estate [Member]
Financial Effects of Loan Modifications [Abstract]
Weighted-average interest rate reduction	0%	0%
Commercial Real Estate [Member] | Principal Forgiveness [Member]
Financial Effects of Loan Modifications [Abstract]
Loans modified	$ 0	$ 0
Commercial [Member] | Specialized [Member]
Financial Effects of Loan Modifications [Abstract]
Weighted-average interest rate reduction	0%	0%
Commercial [Member] | Specialized [Member] | Principal Forgiveness [Member]
Financial Effects of Loan Modifications [Abstract]
Loans modified	$ 0	$ 0
Commercial [Member] | General [Member]
Financial Effects of Loan Modifications [Abstract]
Weighted-average interest rate reduction	1.75%	0.25%
Weighted-average term extension	49 months	43 months
Commercial [Member] | General [Member] | Principal Forgiveness [Member]
Financial Effects of Loan Modifications [Abstract]
Loans modified	$ 0	$ 0
Consumer [Member] | 1-4 Family Residential [Member]
Financial Effects of Loan Modifications [Abstract]
Weighted-average interest rate reduction	0%	0%
Weighted-average term extension		10 months
Consumer [Member] | 1-4 Family Residential [Member] | Principal Forgiveness [Member]
Financial Effects of Loan Modifications [Abstract]
Loans modified	$ 0	$ 0
Consumer [Member] | Auto Loans [Member]
Financial Effects of Loan Modifications [Abstract]
Weighted-average interest rate reduction	0%	0%
Weighted-average term extension		15 months
Consumer [Member] | Auto Loans [Member] | Principal Forgiveness [Member]
Financial Effects of Loan Modifications [Abstract]
Loans modified	$ 0	$ 0
Consumer [Member] | Other Consumer [Member]
Financial Effects of Loan Modifications [Abstract]
Weighted-average interest rate reduction	0%	0%
Consumer [Member] | Other Consumer [Member] | Principal Forgiveness [Member]
Financial Effects of Loan Modifications [Abstract]
Loans modified	$ 0	$ 0
Construction [Member]
Financial Effects of Loan Modifications [Abstract]
Weighted-average interest rate reduction	0%	0%
Construction [Member] | Principal Forgiveness [Member]
Financial Effects of Loan Modifications [Abstract]
Loans modified	$ 0	$ 0

LOANS HELD FOR INVESTMENT, Loan

LOANS HELD FOR INVESTMENT, Loans Modifications (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
LOANS HELD FOR INVESTMENT [Abstract]
Loans modified for borrowers experiencing financial difficulty that subsequently defaulted	$ 31	$ 0

GOODWILL AND INTANGIBLES (Detai

GOODWILL AND INTANGIBLES (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Goodwill [Abstract]
Goodwill	$ 19,315	$ 19,315
Amortized Intangible Assets [Abstract]
Other intangible assets, net	2,247	2,429
Core Deposit Intangible [Member]
Amortized Intangible Assets [Abstract]
Other intangible assets, gross	6,679	6,679
Less: Accumulated amortization	(4,432)	(4,250)
Other intangible assets, net	$ 2,247	$ 2,429

MORTGAGE SERVICING RIGHTS (Deta

MORTGAGE SERVICING RIGHTS (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Mortgage Servicing Rights Asset [Roll Forward]
Beginning balance	$ 26,569	$ 27,474	$ 27,474
Additions	219	271
Valuation adjustment	55	(1,950)
Ending balance	26,843	$ 25,795	26,569
Mortgage Servicing Rights Other Information [Abstract]
Mortgage loans serviced for others	$ 1,983,974		$ 2,001,476
Mortgage servicing rights asset as a percentage of serviced mortgage loans	1.35%		1.33%
Key Assumptions Used in Measuring Fair Value of Mortgage Servicing Rights [Abstract]
Weighted average constant prepayment rate	7.38%		7.46%
Weighted average discount rate	10.16%		10.66%
Weighted average life in years	8 years 25 days		8 years 1 month 2 days

BORROWING ARRANGEMENTS, Subordi

BORROWING ARRANGEMENTS, Subordinated Debt (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Dec. 31, 2023	Sep. 29, 2020	Dec. 31, 2018
Subordinated Debt Securities [Abstract]
Subordinated debt	$ 63,821	$ 63,775
Subordinated Debt [Member]
Subordinated Debt Securities [Abstract]
Debt instrument, face amount	64,100	64,100
Debt issuance cost	279	325
Subordinated debt	$ 63,800	$ 63,800
Subordinated Debt [Member] | Subordinated Debt Securities Issued in December 2018 [Member]
Subordinated Debt Securities [Abstract]
Debt instrument, face amount				$ 14,100
Debt instrument, maturity date	Dec. 31, 2030
Debt instrument, weighted average interest rate				6.41%
Debt instrument, period of fixed interest rate	7 years
Debt instrument, variable interest rate, floor	4%
Debt instrument, variable interest rate, ceiling	7.50%
Subordinated Debt [Member] | Subordinated Debt Securities Issued in December 2018 [Member] | Maximum [Member]
Subordinated Debt Securities [Abstract]
Remaining maturity period during which debt can be called	5 years
Subordinated Debt [Member] | Subordinated Debt Securities Issued in September 29, 2020 [Member]
Subordinated Debt Securities [Abstract]
Debt instrument, face amount			$ 50,000
Debt issuance cost			$ 926
Debt instrument, maturity date	Sep. 30, 2030
Debt instrument, weighted average interest rate			4.50%
Debt instrument, period of fixed interest rate	5 years
Subordinated Debt [Member] | Subordinated Debt Securities Issued in September 29, 2020 [Member] | SOFR [Member]
Subordinated Debt Securities [Abstract]
Term of variable rate	3 months
Basis spread on variable rate	4.38%
Subordinated Debt [Member] | Subordinated Debt Securities Issued in September 29, 2020 [Member] | Maximum [Member]
Subordinated Debt Securities [Abstract]
Remaining maturity period during which debt can be called	5 years

BORROWING ARRANGEMENTS, Notes P

BORROWING ARRANGEMENTS, Notes Payable and Other Borrowings (Details) - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
Federal Home Loan Bank Advance [Member] | Federal Home Loan Bank of Dallas [Member] | City Bank [Member]
Detail of Advances from FHLB [Abstract]
Original amount of advances	$ 0	$ 0

STOCK-BASED COMPENSATION, Equit

STOCK-BASED COMPENSATION, Equity Incentive Plan (Details) - 2019 Equity Incentive Plan [Member] - shares	Mar. 06, 2019	Mar. 31, 2024
Equity Incentive Plan [Abstract]
Maximum aggregate number of shares of common stock that may be issued (in shares)		4,919,505
Maximum [Member]
Equity Incentive Plan [Abstract]
Annual increase in number of shares that may be issued	3%

STOCK-BASED COMPENSATION, Stock

STOCK-BASED COMPENSATION, Stock Options Activity (Details) - 2019 Equity Incentive Plan [Member] - Stock Option [Member] $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($) $ / shares shares
Number of Shares [Roll Forward]
Outstanding at beginning of year (in shares) | shares	1,280,858
Granted (in shares) | shares	32,465
Exercised (in shares) | shares	(3,565)
Forfeited (in shares) | shares	0
Expired (in shares) | shares	0
Balance at end of period (in shares) | shares	1,309,758
Exercisable at end of period (in shares) | shares	1,176,105
Vested at end of period (in shares) | shares	1,176,105
Weighted-Average Exercise Price [Abstract]
Outstanding at beginning of year (in dollars per share) | $ / shares	$ 16.91
Granted (in dollars per share) | $ / shares	29.32
Exercised (in dollars per share) | $ / shares	20.01
Forfeited (in dollars per share) | $ / shares	0
Expired (in dollars per share) | $ / shares	0
Balance at end of period (in dollars per share) | $ / shares	17.21
Exercisable at end of period (in dollars per share) | $ / shares	16.27
Vested at end of period (in dollars per share) | $ / shares	$ 16.27
Weighted Average Remaining Contractual Life in Years [Abstract]
Options Outstanding	4 years 11 months 23 days
Exercisable at end of period	4 years 7 months 9 days
Vested at end of period	4 years 7 months 9 days
Aggregate Intrinsic Value [Abstract]
Outstanding at beginning of year | $	$ 12,767
Granted | $	0
Exercised | $	(24)
Forfeited | $	0
Expired | $	0
Balance at end of period | $	12,743
Exercisable at end of period | $	12,411
Vested at end of period | $	$ 12,411

STOCK-BASED COMPENSATION, Fair

STOCK-BASED COMPENSATION, Fair Value Assumptions (Details) - Stock Option [Member] - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Summary of Assumptions Used to Calculate Fair Value of Awards [Abstract]
Expected volatility	40.45%
Expected dividend yield	1.80%
Expected term	6 years 1 month 6 days
Risk-free interest rate	3.94%
Weighted average grant date fair value (in dollars per share)	$ 11.1	$ 10.26
Minimum [Member]
Summary of Assumptions Used to Calculate Fair Value of Awards [Abstract]
Expected volatility		39.13%
Expected dividend yield		1.74%
Expected term		6 years 1 month 6 days
Risk-free interest rate		3.91%
Maximum [Member]
Summary of Assumptions Used to Calculate Fair Value of Awards [Abstract]
Expected volatility		39.68%
Expected dividend yield		1.90%
Expected term		6 years 3 months 18 days
Risk-free interest rate		3.98%
2019 Equity Incentive Plan [Member]
Equity Incentive Plan [Abstract]
Intrinsic value of options exercised	$ 26	$ 275

STOCK-BASED COMPENSATION, Restr

STOCK-BASED COMPENSATION, Restricted Stock Awards and Units (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Weighted-Average Exercise Price [Abstract]
Stock-based compensation	$ 481	$ 525
Restricted Stock Units [Member]
Number of Shares [Roll Forward]
Outstanding at beginning of year (in shares)	125,917
Granted (in shares)	85,403
Vested (in shares)	(19,778)
Forfeited (in shares)	(3,169)
Balance at ending of period (in shares)	188,373
Weighted-Average Exercise Price [Abstract]
Outstanding at beginning of year (in dollars per share)	$ 26.58
Granted (in dollars per share)	26.54
Vested (in dollars per share)	27.45
Forfeited (in dollars per share)	24.34
Balance at ending of period (in dollars per share)	$ 26.5
Fair value of restricted stock units vested	$ 543	907
Stock-based compensation	481	$ 525
Unrecognized compensation cost	$ 4,900
Weighted average remaining period, recognition of compensation cost	1 year 10 months 9 days
Restricted Stock Units [Member] | Minimum [Member]
Weighted-Average Exercise Price [Abstract]
Award vesting period	1 year
Restricted Stock Units [Member] | Maximum [Member]
Weighted-Average Exercise Price [Abstract]
Award vesting period	4 years

OFF-BALANCE-SHEET ACTIVITIES,_3

OFF-BALANCE-SHEET ACTIVITIES, COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
FHLB Letters of Credit [Abstract]
Letters of credit outstanding balance	$ 0	$ 0
Commitments to Grant Loans and Unfunded Commitments Under Lines of Credit [Member]
Financial instruments with off-balance sheet risk [Abstract]
Financial instruments whose contract amounts represent credit risk outstanding	634,758	598,800
Standby Letters of Credit [Member]
Financial instruments with off-balance sheet risk [Abstract]
Financial instruments whose contract amounts represent credit risk outstanding	$ 11,943	$ 11,503

CAPITAL AND REGULATORY MATTER_2

CAPITAL AND REGULATORY MATTERS (Details) $ in Thousands	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Consolidated [Member]
Total Capital to Risk Weighted Assets [Abstract]
Actual, Amount	$ 598,737	$ 589,565
Actual, Ratio	0.17	0.1674
Minimum Required Under BASEL III Fully Phased-In, Amount	$ 369,815	$ 369,753
Minimum Required Under BASEL III Fully Phased-In, Ratio	0.105	0.105
Tier I Capital to Risk Weighted Assets [Abstract]
Actual, Amount	$ 491,287	$ 482,044
Actual, Ratio	0.1395	0.1369
Minimum Required Under BASEL III Fully Phased-In, Amount	$ 299,374	$ 299,324
Minimum Required Under BASEL III Fully Phased-In, Ratio	0.085	0.085
Common Equity Tier 1 to Risk Weighted Assets [Abstract]
Actual, Amount	$ 446,287	$ 437,044
Actual, Ratio	0.1267	0.1241
Minimum Required Under BASEL III Fully Phased-In, Amount	$ 246,543	$ 246,502
Minimum Required Under BASEL III Fully Phased-In, Ratio	0.07	0.07
Tier I Capital to Average Assets [Abstract]
Actual, Amount	$ 491,287	$ 482,044
Actual, Ratio	0.1151	0.1133
Minimum Required Under BASEL III Fully Phased-In, Amount	$ 171,622	$ 171,037
Minimum Required Under BASEL III Fully Phased-In, Ratio	0.04	0.04
City Bank [Member]
Total Capital to Risk Weighted Assets [Abstract]
Actual, Amount	$ 501,116	$ 494,353
Actual, Ratio	0.1423	0.1404
Minimum Required Under BASEL III Fully Phased-In, Amount	$ 369,645	$ 369,635
Minimum Required Under BASEL III Fully Phased-In, Ratio	0.105	0.105
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 352,043	$ 352,033
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.10	0.10
Tier I Capital to Risk Weighted Assets [Abstract]
Actual, Amount	$ 457,487	$ 450,607
Actual, Ratio	0.13	0.128
Minimum Required Under BASEL III Fully Phased-In, Amount	$ 299,237	$ 299,228
Minimum Required Under BASEL III Fully Phased-In, Ratio	0.085	0.085
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 281,634	$ 281,627
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.08	0.08
Common Equity Tier 1 to Risk Weighted Assets [Abstract]
Actual, Amount	$ 457,487	$ 450,607
Actual, Ratio	0.13	0.128
Minimum Required Under BASEL III Fully Phased-In, Amount	$ 246,430	$ 246,423
Minimum Required Under BASEL III Fully Phased-In, Ratio	0.07	0.07
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 228,828	$ 228,822
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.065	0.065
Tier I Capital to Average Assets [Abstract]
Actual, Amount	$ 457,487	$ 450,607
Actual, Ratio	0.1072	0.106
Minimum Required Under BASEL III Fully Phased-In, Amount	$ 171,516	$ 170,945
Minimum Required Under BASEL III Fully Phased-In, Ratio	0.04	0.04
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 213,318	$ 212,594
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.05	0.05

DERIVATIVES, Fair Value Hedges

DERIVATIVES, Fair Value Hedges in Consolidated Balance Sheets (Details) - Fair Value Hedging [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Interest Rate Swaps [Member] | Other Liabilities [Member]
Fair value hedges included in Consolidated Balance Sheets [Abstract]
Derivative liability, notional amount	$ 0		$ 987
Derivative liability, fair value	0		10
Interest Rate Swaps [Member] | Other Assets [Member]
Fair value hedges included in Consolidated Balance Sheets [Abstract]
Derivative asset, notional amount	8,602		7,796
Derivative asset, fair value	385		158
Interest Rate Swaps [Member] | Interest Income [Member]
Changes in fair value hedges included in Consolidated Statements of Comprehensive Income [Abstract]
Interest rate swaps - fair value hedges	237	$ 0
Fair value hedge ineffectiveness	(153)	0
Interest Rate Swaps [Member] | Other Noninterest Expense [Member]
Changes in fair value hedges included in Consolidated Statements of Comprehensive Income [Abstract]
Interest rate swaps - fair value hedges	1,312	(2,654)
Fair value hedge ineffectiveness	(1,385)	$ 2,638
Cash Flow Swaps [Member] | Other Liabilities [Member]
Fair value hedges included in Consolidated Balance Sheets [Abstract]
Derivative liability, notional amount	0		0
Derivative liability, fair value	0		0
Cash Flow Swaps [Member] | Other Assets [Member]
Fair value hedges included in Consolidated Balance Sheets [Abstract]
Derivative asset, notional amount	123,760		123,760
Derivative asset, fair value	$ 17,940		$ 16,628

DERIVATIVES, Mortgage Banking D

DERIVATIVES, Mortgage Banking Derivatives (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Other Assets [Member] | Interest Rate Swap [Member]
Notional amount and fair value of mortgage banking derivatives in Consolidated Balance Sheets [Abstract]
Cash collateral advanced to offset liability position	$ 1,100		$ 1,100
Other Liabilities [Member] | Interest Rate Swap [Member]
Notional amount and fair value of mortgage banking derivatives in Consolidated Balance Sheets [Abstract]
Cash collateral received to offset asset derivative positions	18,100		18,300
Mortgage Forward Contracts [Member] | Other Assets [Member]
Notional amount and fair value of mortgage banking derivatives in Consolidated Balance Sheets [Abstract]
Cash collateral advanced to offset liability position	440		440
Mortgage Banking [Member] | Mortgage Banking Derivatives [Member] | Net Gain (Loss) on Sales of Loans [Member]
Derivative instruments impact on results of operations [Abstract]
Gain (loss) on mortgage banking derivatives	308	$ (281)
Mortgage Banking [Member] | Forward Contracts [Member] | Other Assets [Member]
Notional amount and fair value of mortgage banking derivatives in Consolidated Balance Sheets [Abstract]
Derivative asset, notional amount	0		0
Derivative asset, fair value	0		0
Mortgage Banking [Member] | Forward Contracts [Member] | Other Liabilities [Member]
Notional amount and fair value of mortgage banking derivatives in Consolidated Balance Sheets [Abstract]
Derivative liability, notional amount	26,197		19,021
Derivative liability, fair value	112		422
Mortgage Banking [Member] | Interest Rate Lock Commitments [Member] | Other Assets [Member]
Notional amount and fair value of mortgage banking derivatives in Consolidated Balance Sheets [Abstract]
Derivative asset, notional amount	30,678		16,887
Derivative asset, fair value	$ 442		$ 444

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
EARNINGS PER SHARE [Abstract]
Net income	$ 10,874	$ 9,244
Weighted average common shares outstanding - basic (in shares)	16,429,919	17,046,713
Effect of dilutive securities [Abstract]
Stock-based compensation awards (in shares)	508,938	514,043
Weighted average common shares outstanding - diluted (in shares)	16,938,857	17,560,756
Basic earnings per share (in dollars per share)	$ 0.66	$ 0.54
Diluted earnings per share (in dollars per share)	$ 0.64	$ 0.53

FAIR VALUE DISCLOSURES, Assets

FAIR VALUE DISCLOSURES, Assets (Liabilities) Measured at Fair Value on Recurring and Non-Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Securities available for sale [Abstract]
Securities available for sale	$ 599,869	$ 622,762
Mortgage servicing rights	26,843	26,569	$ 25,795	$ 27,474
State and Municipal [Member]
Securities available for sale [Abstract]
Securities available for sale	177,648	180,575
Residential Mortgage-backed Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	285,165	300,704
Commercial Mortgage-backed Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	40,854	41,748
Commercial Collateralized Mortgage Obligations [Member]
Securities available for sale [Abstract]
Securities available for sale	69,072	71,930
Other Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	10,801	10,765
Recurring [Member]
Securities available for sale [Abstract]
Asset-backed and other amortizing securities	16,329	17,040
Loans held for sale (mandatory)	9,686	6,615
Mortgage servicing rights	26,843	26,569
Asset derivatives	$ 18,767	$ 17,230
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Liability derivatives	$ (112)	$ (432)
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Recurring [Member] | State and Municipal [Member]
Securities available for sale [Abstract]
Securities available for sale	$ 177,648	$ 180,575
Recurring [Member] | Residential Mortgage-backed Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	285,165	300,704
Recurring [Member] | Commercial Mortgage-backed Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	40,854	41,748
Recurring [Member] | Commercial Collateralized Mortgage Obligations [Member]
Securities available for sale [Abstract]
Securities available for sale	69,072	71,930
Recurring [Member] | Other Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	10,801	10,765
Recurring [Member] | Level 1 [Member]
Securities available for sale [Abstract]
Asset-backed and other amortizing securities	0	0
Loans held for sale (mandatory)	0	0
Mortgage servicing rights	0	0
Asset derivatives	0	0
Liability derivatives	0	0
Recurring [Member] | Level 1 [Member] | State and Municipal [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Level 1 [Member] | Residential Mortgage-backed Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Level 1 [Member] | Commercial Mortgage-backed Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Level 1 [Member] | Commercial Collateralized Mortgage Obligations [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Level 1 [Member] | Other Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Level 2 [Member]
Securities available for sale [Abstract]
Asset-backed and other amortizing securities	16,329	17,040
Loans held for sale (mandatory)	9,686	6,615
Mortgage servicing rights	0	0
Asset derivatives	18,767	17,230
Liability derivatives	(112)	(432)
Recurring [Member] | Level 2 [Member] | State and Municipal [Member]
Securities available for sale [Abstract]
Securities available for sale	177,648	180,575
Recurring [Member] | Level 2 [Member] | Residential Mortgage-backed Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	285,165	300,704
Recurring [Member] | Level 2 [Member] | Commercial Mortgage-backed Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	40,854	41,748
Recurring [Member] | Level 2 [Member] | Commercial Collateralized Mortgage Obligations [Member]
Securities available for sale [Abstract]
Securities available for sale	69,072	71,930
Recurring [Member] | Level 2 [Member] | Other Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	10,801	10,765
Recurring [Member] | Level 3 [Member]
Securities available for sale [Abstract]
Asset-backed and other amortizing securities	0	0
Loans held for sale (mandatory)	0	0
Mortgage servicing rights	26,843	26,569
Asset derivatives	0	0
Liability derivatives	0	0
Recurring [Member] | Level 3 [Member] | State and Municipal [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Level 3 [Member] | Residential Mortgage-backed Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Level 3 [Member] | Commercial Mortgage-backed Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Level 3 [Member] | Commercial Collateralized Mortgage Obligations [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Recurring [Member] | Level 3 [Member] | Other Securities [Member]
Securities available for sale [Abstract]
Securities available for sale	0	0
Non-recurring [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Loans held for investment	228	1,482
Non-recurring [Member] | Level 1 [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Loans held for investment	0	0
Non-recurring [Member] | Level 2 [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Loans held for investment	0	0
Non-recurring [Member] | Level 3 [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Loans held for investment	$ 228	$ 1,482

FAIR VALUE DISCLOSURES, Fair Va

FAIR VALUE DISCLOSURES, Fair Values of Assets Recorded on a Recurring Basis (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Fair Values of Assets Recorded on a Recurring Basis for which the Fair Value Option has been Elected [Abstract]
Aggregate fair value of loans held for sale for mandatory delivery	$ 9,686		$ 6,615
Recurring [Member]
Fair Values of Assets Recorded on a Recurring Basis for which the Fair Value Option has been Elected [Abstract]
Gains or losses recorded attributable to changes in instrument-specific credit risk	0		0
Aggregate fair value of loans held for sale for mandatory delivery	9,700		6,600
Aggregate fair value of unpaid principal balance	9,400		6,400
Fair value and unpaid principal balance difference amount	255		190
Loans held for sale for mandatory delivery designated as nonaccrual	0		0
Loans held for sale for mandatory delivery 90 days or more past due	0		$ 0
Impact of fair value options on noninterest income for loans held for sale for mandatory delivery	$ (372)	$ (261)

FAIR VALUE DISCLOSURES, Quantit

FAIR VALUE DISCLOSURES, Quantitative Information about Recurring and Non-Recurring Level 3 Fair Value Measurements (Details) $ in Thousands	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Mortgage servicing rights	$ 26,843	$ 26,569	$ 25,795	$ 27,474
Non-recurring [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Loans held for investment	228	1,482
Non-recurring [Member] | Third Party Appraisals or Inspections [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Loans held for investment	$ 228	$ 1,482
Non-recurring [Member] | Third Party Appraisals or Inspections [Member] | Collateral Discounts and Selling Costs [Member] | Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Loans held for investment, measurement input	0.20	0.20
Non-recurring [Member] | Third Party Appraisals or Inspections [Member] | Collateral Discounts and Selling Costs [Member] | Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Loans held for investment, measurement input	0.25	1
Recurring [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Mortgage servicing rights	$ 26,843	$ 26,569
Recurring [Member] | Discounted Cash Flows [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Mortgage servicing rights	$ 26,843	$ 26,569
Recurring [Member] | Discounted Cash Flows [Member] | Constant Prepayment Rate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Mortgage servicing rights, measurement input	0.0738	0.0746
Recurring [Member] | Discounted Cash Flows [Member] | Discount Rate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Abstract]
Mortgage servicing rights, measurement input	0.1016	0.1066

FAIR VALUE DISCLOSURES, Estimat

FAIR VALUE DISCLOSURES, Estimated Fair Values, and Related Carrying Amounts (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Carrying Amount [Member]
Financial assets [Abstract]
Cash and cash equivalents	$ 371,939	$ 330,158
Loans held for investment, net	2,969,625	2,971,797
Loans held for sale (best efforts)	6,065	7,884
Accrued interest receivable	16,605	20,881
Financial liabilities [Abstract]
Deposits	3,638,571	3,626,153
Accrued interest payable	4,229	5,057
Junior subordinated deferrable interest debentures	46,393	46,393
Subordinated debt	63,821	63,775
Fair Value [Member]
Financial assets [Abstract]
Cash and cash equivalents	371,939	330,158
Loans held for investment, net	2,857,552	2,848,536
Loans held for sale (best efforts)	6,172	7,977
Accrued interest receivable	16,605	20,881
Financial liabilities [Abstract]
Deposits	3,638,349	3,625,321
Accrued interest payable	4,229	5,057
Junior subordinated deferrable interest debentures	33,530	33,098
Subordinated debt	57,050	57,497
Level 1 [Member] | Fair Value [Member]
Financial assets [Abstract]
Cash and cash equivalents	371,939	330,158
Loans held for investment, net	0	0
Loans held for sale (best efforts)	0	0
Accrued interest receivable	0	0
Financial liabilities [Abstract]
Deposits	0	0
Accrued interest payable	0	0
Junior subordinated deferrable interest debentures	0	0
Subordinated debt	0	0
Level 2 [Member] | Fair Value [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Loans held for investment, net	0	0
Loans held for sale (best efforts)	6,172	7,977
Accrued interest receivable	16,605	20,881
Financial liabilities [Abstract]
Deposits	3,638,349	3,625,321
Accrued interest payable	4,229	5,057
Junior subordinated deferrable interest debentures	33,530	33,098
Subordinated debt	57,050	57,497
Level 3 [Member] | Fair Value [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Loans held for investment, net	2,857,552	2,848,536
Loans held for sale (best efforts)	0	0
Accrued interest receivable	0	0
Financial liabilities [Abstract]
Deposits	0	0
Accrued interest payable	0	0
Junior subordinated deferrable interest debentures	0	0
Subordinated debt	$ 0	$ 0

IMMATERIAL CORRECTION OF PRIO_3

IMMATERIAL CORRECTION OF PRIOR PERIOD ERROR (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Corrected Consolidated Statement of Cash Flows[Abstract]
Proceeds from sales of loans held for sale	$ 69,962	$ 86,893
Loans originated for sale	$ (68,779)	(74,291)
As Reported [Member]
Corrected Consolidated Statement of Cash Flows[Abstract]
Proceeds from sales of loans held for sale		101,266
Loans originated for sale		(88,664)
Immaterial Correction [Member]
Corrected Consolidated Statement of Cash Flows[Abstract]
Proceeds from sales of loans held for sale		(14,373)
Loans originated for sale		$ 14,373

SUBSEQUENT EVENTS (Details)

SUBSEQUENT EVENTS (Details) - $ / shares		3 Months Ended
	Apr. 18, 2024	Mar. 31, 2024	Mar. 31, 2023
Dividend Declaration [Abstract]
Dividends declared per share (in dollars per share)		$ 0.13	$ 0.13
Subsequent Event [Member] | 2024 Q1 Dividend [Member]
Dividend Declaration [Abstract]
Dividends declared date	Apr. 18, 2024
Dividends declared per share (in dollars per share)	$ 0.14
Dividends payable date	May 13, 2024
Dividends record date	Apr. 29, 2024