Great Southern Bancorp (GSBC) 10-Q6 Nov 242024 Q3 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2024	Nov. 04, 2024
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
Document Transition Report	false
Entity File Number	0-18082
Entity Registrant Name	GREAT SOUTHERN BANCORP, INC.
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	43-1524856
Entity Address, Address Line One	1451 E. Battlefield,
Entity Address, City or Town	Springfield,
Entity Address, State or Province	MO
Entity Address, Postal Zip Code	65804
City Area Code	417
Local Phone Number	887-4400
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	GSBC
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		11,674,755
Entity Central Index Key	0000854560
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Amendment Flag	false

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Cash	$ 105,098	$ 102,529
Interest-bearing deposits in other financial institutions	103,267	108,804
Cash and cash equivalents	208,365	211,333
Available-for-sale securities	565,225	478,207
Held-to-maturity securities	189,257	195,023
Mortgage loans held for sale	9,959	5,849
Loans receivable, net of allowance for credit losses of $64,915 - September 2024; $64,670 - December 2023	4,711,276	4,589,620
Interest receivable	22,262	21,206
Prepaid expenses and other assets	142,685	106,225
Other real estate owned and repossessions, net	263	23
Premises and equipment, net	133,311	138,591
Goodwill and other intangible assets	10,202	10,527
Federal Home Loan Bank stock and other interest-earning assets	17,912	26,313
Current and deferred income taxes	25,804	29,485
Total Assets	6,036,521	5,812,402
Liabilities:
Deposits	4,697,460	4,721,708
Securities sold under reverse repurchase agreements with customers	75,829	70,843
Short-term borrowings and other interest-bearing liabilities	442,246	252,610
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	74,802	74,579
Accrued interest payable	12,002	6,225
Advances from borrowers for taxes and insurance	9,625	4,946
Accrued expenses and other liabilities	79,746	76,401
Liability for unfunded commitments	6,947	7,487
Total Liabilities	5,424,431	5,240,573
Stockholders' Equity:
Serial preferred stock, $.01 par value; authorized 1,000,000 shares; issued and outstanding September 2024 and December 2023 - - 0 - shares
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding September 2024 - 11,680,968 shares; December 2023 - 11,804,430 shares	117	118
Additional paid-in capital	47,914	44,320
Retained earnings	593,422	569,872
Accumulated other comprehensive loss	(29,363)	(42,481)
Total Stockholders' Equity	612,090	571,829
Total Liabilities and Stockholders' Equity	$ 6,036,521	$ 5,812,402

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
Loans receivable, net of allowance for credit losses	$ 64,915	$ 64,670
Serial preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Serial preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Serial preferred stock, shares issued (in shares)	0	0
Serial preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	20,000,000	20,000,000
Common stock, shares issued (in shares)	11,680,968	11,804,430
Common stock, shares outstanding (in shares)	11,680,968	11,804,430

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
INTEREST INCOME
Loans	$ 76,425	$ 68,878	$ 221,796	$ 201,758
Investment securities and other	7,371	6,394	20,317	18,595
TOTAL INTEREST INCOME	83,796	75,272	242,113	220,353
INTEREST EXPENSE
Deposits	28,486	25,233	83,906	61,668
Securities sold under reverse repurchase agreements	385	308	1,112	871
Short-term borrowings, overnight FHLBank borrowings and other interest-bearing liabilities	5,388	1,433	12,805	5,156
Subordinated debentures issued to capital trust	456	454	1,364	1,273
Subordinated notes	1,106	1,106	3,317	3,317
TOTAL INTEREST EXPENSE	35,821	28,534	102,504	72,285
NET INTEREST INCOME	47,975	46,738	139,609	148,068
PROVISION FOR CREDIT LOSSES ON LOANS	1,200		1,700	1,500
CREDIT FOR UNFUNDED COMMITMENTS	(63)	(1,195)	(540)	(3,640)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES ON LOANS AND CREDIT FOR UNFUNDED COMMITMENTS	46,838	47,933	138,449	150,208
NON-INTEREST INCOME
Commissions	360	232	1,010	887
Overdraft and insufficient funds fees	1,307	2,017	3,826	5,902
Point-Of-Sale and ATM fee income and service charges	3,467	3,724	10,238	11,204
Net gains on loan sales	1,076	784	2,880	1,882
Late charges and fees on loans	77	149	380	454
Gain (loss) on derivative interest rate products	(37)	55	(57)	(234)
Other income	742	891	5,354	3,415
TOTAL NON-INTEREST INCOME	6,992	7,852	23,631	23,510
NON-INTEREST EXPENSE
Salaries and employee benefits	19,548	19,673	59,090	58,554
Net occupancy and equipment expense	8,138	7,729	23,818	22,858
Postage	861	844	2,445	2,586
Insurance	1,052	1,301	3,459	3,178
Advertising	928	950	2,169	2,500
Office supplies and printing	232	294	735	820
Telephone	669	657	2,075	2,048
Legal, audit and other professional fees	809	1,849	4,398	5,477
Expense (income) on other real estate and repossessions	(536)	62	(190)	263
Acquired intangible asset amortization	108	59	325	228
Other operating expenses	1,908	2,139	6,224	6,226
TOTAL NON-INTEREST EXPENSE	33,717	35,557	104,548	104,738
INCOME BEFORE INCOME TAXES	20,113	20,228	57,532	68,980
PROVISION FOR INCOME TAXES	3,623	4,349	10,647	14,325
NET INCOME	$ 16,490	$ 15,879	$ 46,885	$ 54,655
Earnings Per Common Share
Basic Earnings Per Common Share (in dollars per share)	$ 1.41	$ 1.33	$ 4.01	$ 4.53
Diluted Earnings Per Common Share (in dollars per share)	1.41	1.33	3.99	4.52
Dividends Declared Per Common Share (in dollars per share)	$ 0.40	$ 0.40	$ 1.20	$ 1.20

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
Net Income	$ 16,490	$ 15,879	$ 46,885	$ 54,655
Unrealized appreciation (depreciation) on available-for-sale securities, net of taxes (credit)	18,124	(16,606)	11,334	(16,323)
Unrealized loss on securities transferred to held-to-maturity, net of taxes	(33)	(38)	(105)	(92)
Amortization of realized loss on termination of cash flow hedge, net of taxes	(1,580)	(1,580)	(4,706)	(4,688)
Change in value of active cash flow hedges, net of taxes (credit)	9,571	(2,547)	6,595	(2,323)
Comprehensive Income (Loss)	$ 42,572	$ (4,892)	$ 60,003	$ 31,229

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
Unrealized appreciation (depreciation) on available-for-sale securities, net of taxes (credit)	$ 5,913	$ (5,420)	$ 3,699	$ (5,327)
Unrealized loss on securities transferred to held-to-maturity, net of taxes	(10)	(13)	(35)	(30)
Amortization of realized loss on termination of cash flow hedge, net of taxes	(467)	(468)	(1,391)	(1,387)
Change in value of active cash flow hedges, net of taxes (credit)	$ 3,123	$ (832)	$ 2,151	$ (758)

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Total
Balance at beginning of period at Dec. 31, 2022	$ 122	$ 42,445	$ 543,875	$ (53,355)		$ 533,087
Net income			54,655			54,655
Stock issued under Stock Option Plan		1,256			$ 249	1,505
Common cash dividends declared			(14,386)			(14,386)
Change in fair value of cash flow hedges				(7,011)		(7,011)
Change in unrealized loss on held-to-maturity securities				(92)		(92)
Change in unrealized gain (loss) on available-for-sale securities				(16,323)		(16,323)
Repurchase of the Company's common stock					(19,738)	(19,738)
Reclassification of treasury stock per Maryland law	(3)		(19,486)		19,489
Balance at ending of period at Sep. 30, 2023	119	43,701	564,658	(76,781)		531,697
Balance at beginning of period at Jun. 30, 2023	120	43,292	558,927	(56,010)		546,329
Net income			15,879			15,879
Stock issued under Stock Option Plan		409			45	454
Common cash dividends declared			(4,745)			(4,745)
Change in fair value of cash flow hedges				(4,127)		(4,127)
Change in unrealized loss on held-to-maturity securities				(38)		(38)
Change in unrealized gain (loss) on available-for-sale securities				(16,606)		(16,606)
Repurchase of the Company's common stock					(5,449)	(5,449)
Reclassification of treasury stock per Maryland law	(1)		(5,403)		5,404
Balance at ending of period at Sep. 30, 2023	119	43,701	564,658	(76,781)		531,697
Balance at beginning of period at Dec. 31, 2023	118	44,320	569,872	(42,481)		571,829
Net income			46,885			46,885
Stock issued under Stock Option Plan		3,594			3,342	6,936
Common cash dividends declared			(13,986)			(13,986)
Change in fair value of cash flow hedges				1,889		1,889
Change in unrealized loss on held-to-maturity securities				(105)		(105)
Change in unrealized gain (loss) on available-for-sale securities				11,334		11,334
Repurchase of the Company's common stock					(12,469)	(12,469)
Reclassification of treasury stock per Maryland law	(1)		(9,126)		9,127
Balance at ending of period (Accounting Standards Update 2023-02) at Sep. 30, 2024			(223)			(223)
Balance at ending of period at Sep. 30, 2024	117	47,914	593,422	(29,363)		612,090
Balance at beginning of period at Jun. 30, 2024	116	45,321	578,800	(55,445)		568,792
Net income			16,490			16,490
Stock issued under Stock Option Plan		2,593			2,914	5,507
Common cash dividends declared			(4,673)			(4,673)
Change in fair value of cash flow hedges				7,991		7,991
Change in unrealized loss on held-to-maturity securities				(33)		(33)
Change in unrealized gain (loss) on available-for-sale securities				18,124		18,124
Repurchase of the Company's common stock					(108)	(108)
Reclassification of treasury stock per Maryland law	1		2,805		$ (2,806)
Balance at ending of period (Accounting Standards Update 2023-02) at Sep. 30, 2024			(223)			(223)
Balance at ending of period at Sep. 30, 2024	$ 117	$ 47,914	$ 593,422	$ (29,363)		$ 612,090

CONSOLIDATED STATEMENTS OF ST_2

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY
Per share total dividends	$ 0.40	$ 0.40	$ 1.20	$ 1.20

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES
Net Income (Loss)	$ 46,885	$ 54,655
Proceeds from sales of loans held for sale	133,935	126,762
Originations of loans held for sale	(134,855)	(125,845)
Items not requiring (providing) cash:
Depreciation	6,230	6,600
Amortization	526	455
Compensation expense for stock option grants	1,299	1,195
Provision for credit losses on loans	1,700	1,500
Credit for unfunded commitments	(540)	(3,640)
Net gain on loan sales	(2,880)	(1,882)
Net loss on sale of premises and equipment	16	18
Net (gain) loss on sale/write-down of other real estate owned and repossessions	(491)	41
Accretion of deferred income, premiums, discounts and other	(10,461)	(10,454)
Loss on derivative interest rate products	57	234
Net non-cash gain recorded on contract termination	(2,762)
Deferred income taxes	(544)	845
Changes in:
Interest receivable	(1,056)	(259)
Prepaid expenses and other assets	3,977	(7,704)
Accrued expenses and other liabilities	(6,583)	23,250
Income taxes refundable/payable	(175)	1,114
Net cash provided by operating activities	34,278	66,885
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in loans	(123,795)	(54,526)
Purchase of loans	(6,251)	(400)
Purchase of premises and equipment	(3,492)	(6,171)
Proceeds from sale of premises and equipment	96	233
Proceeds from sale of other real estate owned and repossessions	11,012	280
Proceeds from maturities and calls of available-for-sale securities		1,022
Principal reductions on mortgage-backed securities	27,151	25,674
Purchase of available-for-sale securities	(92,631)
Investment in tax credit partnerships	(11,997)	(26,780)
Redemption of Federal Home Loan Bank stock and change in other interest-earning assets	8,401	(5,224)
Net cash used in investing activities	(191,506)	(65,892)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in certificates of deposit	(5,062)	83,533
Net increase (decrease) in checking and savings deposits	(19,111)	83,739
Net increase (decrease) in short-term borrowings	14,622	(124,144)
Proceeds from borrowing under Federal Reserve Bank Term Funding Program	180,000
Advances from borrowers for taxes and insurance	4,679	3,637
Repurchase of the Company's common stock	(12,469)	(19,738)
Dividends paid	(14,036)	(14,535)
Stock options exercised	5,637	310
Net cash provided by financing activities	154,260	12,802
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	(2,968)	13,795
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	211,333	168,520
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 208,365	$ 182,315

BASIS OF PRESENTATION

BASIS OF PRESENTATION	9 Months Ended
BASIS OF PRESENTATION	Sep. 30, 2024
BASIS OF PRESENTATION
BASIS OF PRESENTATION	NOTE 1: BASIS OF PRESENTATION The accompanying unaudited interim consolidated financial statements of Great Southern Bancorp, Inc. (the “Company” or “Great Southern”) 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 and Rule 10-01 of Regulation S-X. The financial statements presented herein reflect all adjustments which are, in the opinion of management, necessary to fairly present the financial condition, results of operations, changes in stockholders’ equity and cash flows of the Company as of the dates and for the periods presented. Those adjustments consist only of normal recurring adjustments. Operating results for the three and nine months ended September 30, 2024 are not necessarily indicative of the results that may be expected for the full year. The consolidated statement of financial condition of the Company as of December 31, 2023, has been derived from the audited consolidated statement of financial condition of the Company as of that date. Certain information and note disclosures normally included in the Company’s annual financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted. These condensed consolidated financial statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023 filed with the Securities and Exchange Commission (the “SEC”). Reclassifications Prior period consolidated financial statements are reclassified whenever necessary to conform to the current period presentation. Correction of an Immaterial Error in Prior Period Financial Statements Certain prior period amounts in the Consolidated Statements of Cash Flows have been corrected as discussed below. No other financial statements or notes thereto were impacted by these corrections. The Company has corrected its Consolidated Statements of Cash Flows for the nine months ended September 30, 2023 within this Quarterly Report on Form 10-Q for an error in classification within the operating activities section of the statements of cash flows regarding amortization of terminated hedging transactions and for an error in classification regarding investments in tax credit partnerships between the operating activities and investing activities sections of the statements of cash flows. For the item related to the terminated hedging transactions, the Company is now including the amortization from accumulated other comprehensive income and related deferred taxes recognized in interest income as an item not providing cash in accretion of deferred income, premiums, discounts and other. This was previously included in net changes in prepaid expenses and other assets. For the item related to investments in tax credit partnerships, the Company is now including the amounts invested as an item using cash in the investing activities section. This was previously included in net changes in prepaid expenses and other assets in the operating activities section. The Company assessed the materiality of these changes 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 A summary of corrections reflecting the prior period impacts to the Company’s Consolidated Statements of Cash Flows are shown below (in thousands of dollars): For the Nine Months Ended September 30, 2023 As Previously Presented Net Change As Corrected Operating Activities Accretion of deferred income, premiums, discounts and other $ (4,379) $ (6,075) $ (10,454) Prepaid expenses and other assets (40,559) 32,855 (7,704) Net cash provided by operating activities 40,105 26,780 66,885 Investing Activities Investment in tax credit partnerships — (26,780) (26,780) Net cash provided by (used in) investing activities (39,112) (26,780) (65,892)

NATURE OF OPERATIONS AND OPERAT

NATURE OF OPERATIONS AND OPERATING SEGMENTS	9 Months Ended
NATURE OF OPERATIONS AND OPERATING SEGMENTS	Sep. 30, 2024
NATURE OF OPERATIONS AND OPERATING SEGMENTS
NATURE OF OPERATIONS AND OPERATING SEGMENTS	NOTE 2: NATURE OF OPERATIONS AND OPERATING SEGMENTS The Company operates as a one-bank holding company. The Company’s business primarily consists of the operations of Great Southern Bank (the “Bank”), which provides a full range of financial services to customers primarily located in Missouri, Iowa, Kansas, Minnesota, Nebraska and Arkansas. The Bank also originates commercial loans from lending offices in Atlanta; Charlotte, North Carolina; Chicago; Dallas; Denver; Omaha, Nebraska; and Phoenix. The Company and the Bank are subject to regulation by certain federal and state agencies and undergo periodic examinations by those regulatory agencies. The Company’s banking operation is its only reportable segment. The banking operation is principally engaged in the business of originating residential and commercial real estate loans, construction loans, commercial business loans and consumer loans and funding these loans by attracting deposits from the general public, accepting brokered deposits and borrowing from the Federal Home Loan Bank and others. The operating results of this segment are regularly reviewed by management to make decisions about resource allocations and to assess performance. Selected information is not presented separately for the Company’s reportable segment, as there is no material difference between that information and the corresponding information in the consolidated financial statements.

RECENT ACCOUNTING PRONOUNCEMENT

RECENT ACCOUNTING PRONOUNCEMENTS	9 Months Ended
RECENT ACCOUNTING PRONOUNCEMENTS	Sep. 30, 2024
RECENT ACCOUNTING PRONOUNCEMENTS
RECENT ACCOUNTING PRONOUNCEMENTS	NOTE 3: RECENT ACCOUNTING PRONOUNCEMENTS In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848): Scope In December 2022, the FASB issued ASU 2022-06, Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848 In March 2023, the FASB issued ASU 2023-02, Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures.

EARNINGS PER SHARE

EARNINGS PER SHARE	9 Months Ended
EARNINGS PER SHARE	Sep. 30, 2024
EARNINGS PER SHARE
EARNINGS PER SHARE	NOTE 4: EARNINGS PER SHARE Three Months Ended September 30, 2024 2023 (In Thousands, Except Per Share Data) Basic: Average common shares outstanding 11,656 11,935 Net income $ 16,490 $ 15,879 Per common share amount $ 1.41 $ 1.33 Diluted: Average common shares outstanding 11,656 11,935 Net effect of dilutive stock options – based on the treasury stock method using average market price 63 42 Diluted common shares 11,719 11,977 Net income $ 16,490 $ 15,879 Per common share amount $ 1.41 $ 1.33 Nine Months Ended September 30, 2024 2023 (In Thousands, Except Per Share Data) Basic: Average common shares outstanding 11,688 12,055 Net income $ 46,885 $ 54,655 Per common share amount $ 4.01 $ 4.53 Diluted: Average common shares outstanding 11,688 12,055 Net effect of dilutive stock options – based on the treasury stock method using average market price 58 49 Diluted common shares 11,746 12,104 Net income $ 46,885 $ 54,655 Per common share amount $ 3.99 $ 4.52 Options outstanding at September 30, 2024 and 2023, to purchase 712,403 and 758,129 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for each of the three month periods because the exercise prices of such options were greater than the average market price of the common stock for the three months ended September 30, 2024 and 2023, respectively. Options outstanding at September 30, 2024 and 2023, to purchase 712,403 and 675,768 shares of common stock, respectively, were not included in the computation of diluted earnings per common share for each of the nine month periods because the exercise prices of such options were greater than the average market price of the common stock for the nine months ended September 30, 2024 and 2023, respectively.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	9 Months Ended
INVESTMENT SECURITIES	Sep. 30, 2024
INVESTMENT SECURITIES
INVESTMENT SECURITIES	NOTE 5: INVESTMENT SECURITIES Held-to-maturity securities (“HTM”), which include any security for which the Company has both the positive intent and ability to hold until maturity, are carried at historical cost adjusted for amortization of premiums and accretion of discounts. Premiums and discounts are amortized and accreted, respectively, to interest income over the security’s estimated life. Prepayments are anticipated for certain mortgage-backed securities. Premiums on callable securities are amortized to their earliest call date. Available-for-sale securities (“AFS”), which include any security for which the Company has no immediate plan to sell but which may be sold in the future, are carried at fair value. Realized gains and losses, based on specifically identified amortized cost of the individual security, are included in non-interest income. Unrealized gains and losses are recorded, net of related income tax effects, in stockholders’ equity. Premiums and discounts are amortized and accreted, respectively, to interest income over the estimated life of the security. Prepayments are anticipated for certain mortgage-backed and Small Business Administration (SBA) securities. Premiums on callable securities are amortized to their earliest call date. The amortized cost and fair values of securities were as follows: September 30, 2024 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 352,265 $ 1,900 $ 28,060 $ 326,105 Agency collateralized mortgage obligations 125,421 1,626 7,385 119,662 States and political subdivisions 58,742 324 1,475 57,591 Small Business Administration securities 67,449 87 5,669 61,867 $ 603,877 $ 3,937 $ 42,589 $ 565,225 September 30, 2024 Amortized Gross Gross Amortized Fair Value Carrying Unrealized Unrealized Fair Cost Adjustment Value Gains Losses Value (In Thousands) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ 71,375 $ 2,005 $ 73,380 $ — $ 6,351 $ 67,029 Agency collateralized mortgage obligations 111,936 (2,220) 109,716 — 12,327 97,389 States and political subdivisions 6,150 11 6,161 — 537 5,624 $ 189,461 $ (204) $ 189,257 $ — $ 19,215 $ 170,042 December 31, 2023 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 316,114 $ 7 $ 35,890 $ 280,231 Agency collateralized mortgage obligations 85,989 — 10,043 75,946 States and political subdivisions securities 59,141 527 1,531 58,137 Small Business Administration securities 70,648 — 6,755 63,893 $ 531,892 $ 534 $ 54,219 $ 478,207 December 31, 2023 Amortized Gross Gross Amortized Fair Value Carrying Unrealized Unrealized Fair Cost Adjustment Value Gains Losses Value (In Thousands) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ 72,495 $ 2,436 $ 74,931 $ — $ 8,686 $ 66,245 Agency collateralized mortgage obligations 116,405 (2,502) 113,903 — 14,662 99,241 States and political subdivisions 6,188 1 6,189 — 482 5,707 $ 195,088 $ (65) $ 195,023 $ — $ 23,830 $ 171,193 The amortized cost and fair value of available-for-sale and held-to-maturity securities at September 30, 2024, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Available-for-Sale Held-to-Maturity Amortized Fair Amortized Fair Cost Value Carrying Value Value (In Thousands) One year or less $ — $ — $ — $ — After one through two years — — — — After two through three years 245 245 — — After three through four years 977 995 — — After four through five years — — — — After five through fifteen years 10,652 10,523 3,246 2,953 After fifteen years 46,868 45,828 2,915 2,671 Securities not due on a single maturity date 545,135 507,634 183,096 164,418 $ 603,877 $ 565,225 $ 189,257 $ 170,042 Certain available-for-sale investments in debt securities are reported in the financial statements at an amount less than their amortized cost. Total fair value of these investments at September 30, 2024 and December 31, 2023, was approximately $432.9 million and $456.9 million, respectively, which was approximately 76.6% and 95.5% of the Company’s total available-for-sale investment portfolio at those dates. A high percentage of the unrealized losses were related to the Company’s mortgage-backed securities, collateralized mortgage obligations and Small Business Administration (SBA) securities, which are issued and guaranteed by U.S. government-sponsored entities and agencies. The Company’s state and political subdivisions securities are investments in insured fixed rate municipal bonds for which the issuers continue to make timely principal and interest payments under the contractual terms of the securities. Held-to-maturity investments in debt securities are reported in the financial statements at their amortized carrying value at September 30, 2024 and December 31, 2023, which was $189.3 million and $195.0 million, respectively. Total fair value of these investments at September 30, 2024 and December 31, 2023 was approximately $170.0 million and $171.2 million, respectively. Held-to-maturity investment securities are evaluated for potential credit losses under ASU 2016-13. The Company continually assesses its liquidity sources, both on-balance sheet and off-balance sheet, and believes that at September 30, 2024, it had ample liquidity sources to fund its ongoing operations without selling investment securities in its portfolio. Based on evaluation of available evidence, including recent changes in market interest rates, credit rating information and information obtained from regulatory filings of issuers, management believes the declines in fair value for the Company’s available-for-sale debt securities are not credit-related. The following table shows the Company’s available-for-sale and held-to-maturity securities’ gross unrealized losses and fair values, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2024 and December 31, 2023: September 30, 2024 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 3,784 $ (34) $ 269,222 $ (28,026) $ 273,006 $ (28,060) Agency collateralized mortgage obligations — — 66,735 (7,385) 66,735 (7,385) States and political subdivisions securities 1,349 (11) 37,640 (1,464) 38,989 (1,475) Small Business Administration securities — — 54,140 (5,669) 54,140 (5,669) $ 5,133 $ (45) $ 427,737 $ (42,544) $ 432,870 $ (42,589) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ — $ — $ 67,030 $ (6,351) $ 67,030 $ (6,351) Agency collateralized mortgage obligations — — 97,389 (12,327) 97,389 (12,327) States and political subdivisions securities — — 5,623 (537) 5,623 (537) $ — $ — $ 170,042 $ (19,215) $ 170,042 $ (19,215) December 31, 2023 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 4,318 $ (9) $ 274,801 $ (35,881) $ 279,119 $ (35,890) Agency collateralized mortgage obligations 9,080 (216) 66,866 (9,827) 75,946 (10,043) States and political subdivisions securities 7,782 (133) 56,111 (6,622) 63,893 (6,755) Small Business Administration securities — — 37,969 (1,531) 37,969 (1,531) $ 21,180 $ (358) $ 435,747 $ (53,861) $ 456,927 $ (54,219) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ — $ — $ 66,245 $ (8,686) $ 66,245 $ (8,686) Agency collateralized mortgage obligations — — 99,241 (14,662) 99,241 (14,662) States and political subdivisions securities — — 5,707 (482) 5,707 (482) $ — $ — $ 171,193 $ (23,830) $ 171,193 $ (23,830) There were no sales of available-for-sale securities during the three or nine months ended September 30, 2024 and 2023, respectively. Allowance for Credit Losses. Regarding securities issued by state and political subdivisions, management considers the following when evaluating these securities: (i) current issuer bond ratings, (ii) historical loss rates for given bond ratings, (iii) whether issuers continue to make timely principal and interest payments under the contractual terms of the securities, (iv) updated financial information of the issuer, (v) internal forecasts and (vi) whether such securities provide insurance or other credit enhancement or are pre-refunded by the issuers. These securities are generally highly rated by major rating agencies and have a long history of no credit losses. Likewise, the Company has not historically experienced losses on these types of securities. Accordingly, no allowance for credit losses has been recorded for these securities.

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	9 Months Ended
LOANS AND ALLOWANCE FOR CREDIT LOSSES	Sep. 30, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES
LOANS AND ALLOWANCE FOR CREDIT LOSSES	NOTE 6: LOANS AND ALLOWANCE FOR CREDIT LOSSES The allowance for credit losses is measured using an average historical loss model that incorporates relevant information about past events (including historical credit loss experience on loans with similar risk characteristics), current conditions, and reasonable and supportable forecasts that affect the collectability of the remaining cash flows over the contractual term of the loans. The allowance for credit losses is measured on a collective (pool) basis. Loans are aggregated into pools based on similar risk characteristics, including borrower type, collateral and repayment types and expected credit loss patterns. Loans that do not share similar risk characteristics, primarily classified loans with balances greater than or equal to $100,000, are evaluated on an individual basis. For loans evaluated for credit losses on a collective basis, average historical loss rates are calculated for each pool using the Company’s historical net charge-offs (combined charge-offs and recoveries by observable historical reporting period) and outstanding loan balances during a lookback period. Lookback periods can be different based on the individual pool and reflect management’s credit expectations for the pool of loans over the remaining contractual life. In certain loan pools, if the Company’s own historical loss rate is not reflective of the loss expectations, the historical loss rate is augmented by industry and peer data. The calculated average net charge-off rate is then adjusted for current conditions and reasonable and supportable forecasts. These adjustments increase or decrease the average historical loss rate to reflect expectations of future losses given economic forecasts of key macroeconomic variables including, but not limited to, unemployment rate, gross domestic product (“GDP”), commercial real estate price index, consumer sentiment and construction spending. The adjustments are based on results from various regression models projecting the impact of the macroeconomic variables to loss rates. The forecast is used for a reasonable and supportable period before reverting to historical averages. The forecast-adjusted loss rate is applied to the principal balance over the remaining contractual lives, adjusted for expected prepayments. The contractual term excludes expected extensions, renewals and modifications. Additionally, the allowance for credit losses considers other qualitative factors not included in historical loss rates or macroeconomic forecasts such as changes in portfolio composition, underwriting practices, or significant unique events or conditions. In addition, the Company is required to record an allowance for off balance sheet credit exposures, including unfunded lines of credit, undisbursed portions of loans, written residential and commercial loan commitments, and letters of credit. To determine the amount needed for allowance purposes, a utilization rate is determined either by the model or internally for each pool. Our loss model calculates the reserve on unfunded commitments based upon the utilization rate multiplied by the average loss rate factors in each pool with unfunded and committed balances. The liability for unfunded lending commitments utilizes the same model as the allowance for credit losses on loans; however, the liability for unfunded lending commitments incorporates assumptions for the portion of unfunded commitments that are expected to be funded. Classes of loans at September 30, 2024 and December 31, 2023 were as follows: September 30, December 31, 2024 2023 (In Thousands) One- to four-family residential construction $ 27,643 $ 29,628 Subdivision construction 20,077 23,359 Land development 39,023 48,015 Commercial construction 334,299 703,407 Owner occupied one- to four-family residential 716,572 769,260 Non-owner occupied one- to four-family residential 121,834 121,275 Commercial real estate 1,546,005 1,521,032 Other residential (multi-family) 1,569,879 942,071 Commercial business 227,037 318,050 Industrial revenue bonds 11,632 12,047 Consumer auto 25,870 28,343 Consumer other 27,353 28,978 Home equity lines of credit 114,729 115,883 4,781,953 4,661,348 Allowance for credit losses (64,915) (64,670) Deferred loan fees and gains, net (5,762) (7,058) $ 4,711,276 $ 4,589,620 Weighted average interest rate 6.30 % 6.25 % The following tables present the classes of loans by aging as of the dates indicated. September 30, 2024 Total Loans Over 90 Total > 90 Days Past 30-59 Days 60-89 Days Days Total Past Loans Due and Past Due Past Due Past Due Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ 27,643 $ 27,643 $ — Subdivision construction — — — — 20,077 20,077 — Land development — — 553 553 38,470 39,023 — Commercial construction — — — — 334,299 334,299 — Owner occupied one- to four-family residential 143 61 68 272 716,300 716,572 — Non-owner occupied one- to four-family residential 636 — 525 1,161 120,673 121,834 — Commercial real estate — — 6,102 6,102 1,539,903 1,546,005 — Other residential (multi-family) — — — — 1,569,879 1,569,879 — Commercial business — — 139 139 226,898 227,037 — Industrial revenue bonds — — — — 11,632 11,632 — Consumer auto 18 4 12 34 25,836 25,870 — Consumer other 105 20 84 209 27,144 27,353 — Home equity lines of credit 1,613 — — 1,613 113,116 114,729 — Total $ 2,515 $ 85 $ 7,483 $ 10,083 $ 4,771,870 $ 4,781,953 $ — December 31, 2023 Total Loans Over 90 Total > 90 Days Past 30-59 Days 60-89 Days Days Total Past Loans Due and Past Due Past Due Past Due Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ 29,628 $ 29,628 $ — Subdivision construction — — — — 23,359 23,359 — Land development — — 384 384 47,631 48,015 — Commercial construction — — — — 703,407 703,407 — Owner occupied one- to four-family residential 2,778 125 722 3,625 765,635 769,260 — Non-owner occupied one- to four-family residential — — — — 121,275 121,275 — Commercial real estate 187 92 10,552 10,831 1,510,201 1,521,032 — Other residential (multi-family) 9,572 — — 9,572 932,499 942,071 — Commercial business — — 31 31 318,019 318,050 — Industrial revenue bonds — — — — 12,047 12,047 — Consumer auto 116 65 8 189 28,154 28,343 — Consumer other 137 — 42 179 28,799 28,978 — Home equity lines of credit 335 26 9 370 115,513 115,883 — Total $ 13,125 $ 308 $ 11,748 $ 25,181 $ 4,636,167 $ 4,661,348 $ — Loans are placed on nonaccrual status at 90 days past due and interest is considered a loss unless the loan is well secured and in the process of collection. Payments received on nonaccrual loans are applied to principal until the loans are returned to accrual status. Loans are returned to accrual status when all payments contractually due are brought current, payment performance is sustained for a period of time, generally six months, and future payments are reasonably assured. With the exception of consumer loans, charge-offs on loans are recorded when available information indicates a loan is not fully collectible and the loss is reasonably quantifiable. Consumer loans are charged-off at specified delinquency dates consistent with regulatory guidelines. Nonaccruing loans are summarized as follows: September 30, December 31, 2024 2023 (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction — — Land development 553 384 Commercial construction — — Owner occupied one- to four-family residential 68 722 Non-owner occupied one- to four-family residential 525 — Commercial real estate 6,102 10,552 Other residential (multi-family) — — Commercial business 139 31 Industrial revenue bonds — — Consumer auto 12 8 Consumer other 84 42 Home equity lines of credit — 9 Total nonaccruing loans $ 7,483 $ 11,748 No interest income was recorded on nonaccrual loans for the three or nine months ended September 30, 2024 and 2023, respectively. Nonaccrual loans for which there is no related allowance for credit losses as of September 30, 2024 and December 31, 2023, had an amortized cost of $6.7 million and $792,000, respectively. These loans are individually assessed and do not require an allowance due to being adequately collateralized under the collateral-dependent valuation method. A collateral-dependent loan is a financial asset for which the repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty based on the Company’s assessment as of the reporting date. Collateral-dependent loans are identified primarily by a classified risk rating with a loan balance equal to or greater than $100,000, including, but not limited to, any loan in process of foreclosure or repossession. The following tables present the activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2024 and 2023. During the three months ended September 30, 2024, the Company recorded provision expense of $1.2 million on its portfolio of outstanding loans and during the nine months ended September 30, 2024, recorded provision expense of $1.7 million on its portfolio of outstanding loans. During the three months ended September 30, 2023, the Company did not record a provision expense on its portfolio of outstanding loans and during the nine months ended September 30, 2023, recorded provision expense of $1.5 million on its portfolio of outstanding loans. One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for credit losses Balance, July 1, 2023 $ 11,818 $ 13,189 $ 25,508 $ 2,502 $ 7,827 $ 4,008 $ 64,852 Provision (credit) charged to expense — — — — — — — Losses charged off — — — — — (498) (498) Recoveries 41 — — — 28 330 399 Balance, September 30, 2023 $ 11,859 $ 13,189 $ 25,508 $ 2,502 $ 7,855 $ 3,840 $ 64,753 Allowance for credit losses Balance, July 1, 2024 $ 9,678 $ 13,886 $ 29,469 $ 2,841 $ 5,677 $ 3,704 $ 65,255 Provision (credit) charged to expense (463) 1,708 633 (106) (930) 358 1,200 Losses charged off — — (1,235) — (164) (332) (1,731) Recoveries 4 — — — 17 170 191 Balance, September 30, 2024 $ 9,219 $ 15,594 $ 28,867 $ 2,735 $ 4,600 $ 3,900 $ 64,915 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for credit losses Balance, January 1, 2023 $ 11,171 $ 12,110 $ 27,096 $ 2,865 $ 5,822 $ 4,416 $ 63,480 Provision (credit) charged to expense 647 1,079 (1,590) (363) 1,851 (124) 1,500 Losses charged off (31) — — — — (1,409) (1,440) Recoveries 72 — 2 — 182 957 1,213 Balance, September 30, 2023 $ 11,859 $ 13,189 $ 25,508 $ 2,502 $ 7,855 $ 3,840 $ 64,753 Allowance for credit losses Balance, January 1, 2024 $ 9,820 $ 13,370 $ 28,171 $ 2,844 $ 6,935 $ 3,530 $ 64,670 Provision (credit) charged to expense (570) 2,224 1,931 (202) (2,526) 843 1,700 Losses charged off (65) — (1,235) (101) (195) (1,111) (2,707) Recoveries 34 — — 194 386 638 1,252 Balance, September 30, 2024 $ 9,219 $ 15,594 $ 28,867 $ 2,735 $ 4,600 $ 3,900 $ 64,915 The following tables present the activity in the allowance for unfunded commitments by portfolio segment for the three and nine months ended September 30, 2024 and 2023. The provision for losses on unfunded commitments for the three months ended September 30, 2024 was a credit (negative expense) of $63,000, compared to a credit (negative expense) of $1.2 million for the three months ended September 30, 2023. The provision for losses on unfunded commitments for the nine months ended September 30, 2024 was a credit (negative expense) of $540,000, compared to a credit (negative expense) of $3.6 million for the nine months ended September 30, 2023. One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for unfunded commitments Balance, July 1, 2023 $ 758 $ 6,791 $ 464 $ 871 $ 987 $ 500 $ 10,371 Provision (credit) charged to expense 146 (1,412) 33 108 (34) (36) (1,195) Balance, September 30, 2023 $ 904 $ 5,379 $ 497 $ 979 $ 953 $ 464 $ 9,176 Allowance for unfunded commitments Balance, July 1, 2024 $ 673 $ 3,346 $ 646 $ 550 $ 1,343 $ 452 $ 7,010 Provision (credit) charged to expense (262) (543) (19) (57) 801 17 (63) Balance, September 30, 2024 $ 411 $ 2,803 $ 627 $ 493 $ 2,144 $ 469 $ 6,947 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for unfunded commitments Balance, January 1, 2023 $ 736 $ 8,624 $ 416 $ 802 $ 1,734 $ 504 $ 12,816 Provision (credit) charged to expense 168 (3,245) 81 177 (781) (40) (3,640) Balance, September 30, 2023 $ 904 $ 5,379 $ 497 $ 979 $ 953 $ 464 $ 9,176 Allowance for unfunded commitments Balance, January 1, 2024 $ 706 $ 4,006 $ 619 $ 741 $ 959 $ 456 $ 7,487 Provision (credit) charged to expense (295) (1,203) 8 (248) 1,185 13 (540) Balance, September 30, 2024 $ 411 $ 2,803 $ 627 $ 493 $ 2,144 $ 469 $ 6,947 The portfolio segments used in the preceding tables correspond to the loan classes used in all other tables in Note 6 ● The one- to four-family residential and construction segment includes the one- to four-family residential construction, subdivision construction, owner occupied one- to four-family residential and non-owner occupied one- to four-family residential classes. ● The other residential (multi-family) segment corresponds to the other residential (multi-family) class. ● The commercial real estate segment includes the commercial real estate and industrial revenue bonds classes. ● The commercial construction segment includes the land development and commercial construction classes. ● The commercial business segment corresponds to the commercial business class. ● The consumer segment includes the consumer auto, consumer other and home equity lines of credit classes. The following table presents the amortized cost basis of collateral-dependent loans by class of loans: September 30, 2024 December 31, 2023 Principal Specific Principal Specific Balance Allowance Balance Allowance (In Thousands) One- to four-family residential construction $ — $ — $ — $ — Subdivision construction — — — — Land development 553 — 384 — Commercial construction — — — — Owner occupied one- to four- family residential 306 8 691 29 Non-owner occupied one- to four-family residential 525 265 — — Commercial real estate 10,274 — 10,548 1,200 Other residential (multi-family) — — 7,162 — Commercial business 330 191 — — Industrial revenue bonds — — — — Consumer auto — — — — Consumer other — — — — Home equity lines of credit 598 — — — Total $ 12,586 $ 464 $ 18,785 $ 1,229 Modified Loans. Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures The estimate of lifetime expected losses utilized in the allowance for credit losses model is developed using average historical loss on loans with similar risk characteristics, which includes losses from modifications of loans to borrowers experiencing financial difficulty. As a result, a charge to the allowance for credit losses is generally not recorded upon modification. For modifications to loans made to borrowers experiencing financial difficulty that are adversely classified, the Company determines the allowance for credit losses on an individual basis, using the same process that it utilizes for other adversely classified loans. If collection efforts have begun and the modified loan is subsequently deemed collateral-dependent, the loan is placed on nonaccrual status and the allowance for credit losses is determined based on an individual evaluation. If necessary, the loan is charged down to fair market value less estimated sales costs. The following tables show, as of the dates indicated, the composition of modifications made to loans to borrowers experiencing financial difficulty, by loan class and type of concession granted. Each of the types of concessions granted comprised 1.0% or less of their respective loan classes at September 30, 2024. During the three and nine months ended September 30, 2024, principal forgiveness of $20,000 and $275,000, respectively, was completed on consumer loans and a land development loan. During the three and nine months ended September 30, 2023, principal forgiveness of $13,000 and $52,000, respectively, was completed on consumer loans. Amortized Cost Basis at September 30, 2024 Interest Rate Term Total Reduction Extension Combination Modifications (In Thousands) Construction and land development $ — $ — $ — $ — One- to four-family residential — — — — Other residential (multi-family) — 2,720 — 2,720 Commercial real estate — 75 6,014 6,089 Commercial business — — — — Consumer — 5 — 5 $ — $ 2,800 $ 6,014 $ 8,814 Amortized Cost Basis at December 31, 2023 Interest Rate Term Total Reduction Extension Combination Modifications (In Thousands) Construction and land development $ — $ — $ 1,553 $ 1,553 One- to four-family residential — — — — Other residential (multi-family) — 2,750 — 2,750 Commercial real estate — 77 20,365 20,442 Commercial business — — — — Consumer 5 7 — 12 $ 5 $ 2,834 $ 21,918 $ 24,757 The Company closely monitors the performance of loans to borrowers experiencing financial difficulty that are modified to understand the effectiveness of its modification efforts. The following tables depict the performance of loans (under modified terms) at September 30, 2024 and at December 31, 2023, respectively: September 30, 2024 30-89 Days Over 90 Days Current Past Due Past Due Total (In Thousands) Construction and land development $ — $ — $ — $ — One- to four-family residential — — — — Other residential (multi-family) 2,720 — — 2,720 Commercial real estate 75 — 6,014 6,089 Commercial business — — — — Consumer 5 — — 5 $ 2,800 $ — $ 6,014 $ 8,814 December 31, 2023 30-89 Days Over 90 Days Current Past Due Past Due Total (In Thousands) Construction and land development $ 1,553 $ — $ — $ 1,553 One- to four-family residential — — — — Other residential (multi-family) 2,750 — — 2,750 Commercial real estate 12,384 — 8,058 20,442 Commercial business — — — — Consumer 12 — — 12 $ 16,699 $ — $ 8,058 $ 24,757 Loan Risk Ratings Satisfactory loans range from Excellent to Moderate Risk, but generally are loans supported by strong recent financial statements. The character and capacity of the borrower are solid, including reasonable project performance, good industry experience, liquidity and/or net worth. The probability of financial deterioration seems unlikely. Repayment is expected from approved sources over a reasonable period of time. Watch loans are identified when the borrower has capacity to perform according to terms; however, elements of uncertainty exist. Margins of debt service coverage may be narrow, historical patterns of financial performance may be erratic, collateral margins may be diminished or the borrower may be a new and/or thinly capitalized company. Some management weakness on the part of the borrower may also exist, the borrower may have somewhat limited access to other financial institutions, and that access may diminish in difficult economic times. Special Mention loans have weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of repayment prospects or the Bank’s credit position at some future date. This is a transitional grade closely monitored for improvement or deterioration. The Substandard rating is applied to loans where the borrower exhibits well-defined weaknesses that jeopardize its continued performance and are of a severity that the distinct possibility of default exists. Loans are placed on “nonaccrual” when management does not expect to collect payments consistent with acceptable and agreed upon terms of repayment. Doubtful loans have all the weaknesses inherent to those classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, highly questionable and improbable. The Loss category is used when loans are considered uncollectable and no longer included as an asset. All loans are analyzed for risk rating updates regularly. For larger loans, rating assessments may be more frequent if relevant information is obtained earlier through debt covenant monitoring or overall relationship management. Smaller loans are monitored as identified by the loan officer based on the risk profile of the individual borrower or if the loan becomes past due related to credit issues. Loans rated Watch, Special Mention, Substandard or Doubtful are subject to formal quarterly review and continuous monitoring processes. In addition to the regular monitoring performed by the lending personnel and credit committees, loans are subject to review by the credit review department, which verifies the appropriateness of the risk ratings for the loans chosen as part of its risk-based review plan. The following tables present a summary of loans by category and risk rating separated by origination and loan class as of September 30, 2024 and December 31, 2023. Term Loans by Origination Year Revolving September 30, 2024 2024 YTD 2023 2022 2021 2020 Prior Loans Total (In Thousands) One- to four-family residential construction Satisfactory (1-4) $ 7,079 $ 11,566 $ 3,710 $ 44 $ — $ — $ 5,244 $ 27,643 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 7,079 11,566 3,710 44 — — 5,244 27,643 Current Period Gross Charge Offs — — — — — — — — Subdivision construction Satisfactory (1-4) 436 173 809 17,633 30 222 774 20,077 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 436 173 809 17,633 30 222 774 20,077 Current Period Gross Charge Offs — — — — — — — — Construction and land development Satisfactory (1-4) 13,178 7,455 3,936 5,153 3,092 5,302 354 38,470 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — 553 — — 553 Total 13,178 7,455 3,936 5,153 3,645 5,302 354 39,023 Current Period Gross Charge Offs — — — — — 101 — 101 Other construction Satisfactory (1-4) 41,729 54,931 205,478 32,161 — — — 334,299 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 41,729 54,931 205,478 32,161 — — — 334,299 Current Period Gross Charge Offs — — — — — — — — One- to four-family residential Satisfactory (1-4) 27,701 63,194 310,038 180,197 95,828 158,900 459 836,317 Watch (5) — — — — 145 684 — 829 Special Mention (6) — — — — — — — — Classified (7-9) — 72 306 — — 882 — 1,260 Total 27,701 63,266 310,344 180,197 95,973 160,466 459 838,406 Current Period Gross Charge Offs — 49 — — — 15 — 64 Other residential (multi-family) Satisfactory (1-4) 61,801 91,470 497,174 538,574 212,321 162,417 3,402 1,567,159 Watch (5) — — — — — — — — Special Mention (6) — — — — — 2,720 — 2,720 Classified (7-9) — — — — — — — — Total 61,801 91,470 497,174 538,574 212,321 165,137 3,402 1,569,879 Current Period Gross Charge Offs — — — — — — — — Commercial real estate Satisfactory (1-4) 49,148 71,127 351,065 225,014 96,327 700,369 34,019 1,527,069 Watch (5) — — — — — 8,056 — 8,056 Special Mention (6) — — — — — 439 — 439 Classified (7-9) — — — 86 — 10,355 — 10,441 Total 49,148 71,127 351,065 225,100 96,327 719,219 34,019 1,546,005 Current Period Gross Charge Offs — — 54 — — 1,181 — 1,235 Commercial business Satisfactory (1-4) 14,082 35,041 60,157 21,326 8,218 45,992 45,487 230,303 Watch (5) — — — — — 10 — 10 Special Mention (6) — — 2,045 3,384 42 — 2,553 8,024 Classified (7-9) 191 — — — 2 139 — 332 Total 14,273 35,041 62,202 24,710 8,262 46,141 48,040 238,669 Current Period Gross Charge Offs — — — 4 27 164 — 195 Consumer Satisfactory (1-4) 14,270 10,844 7,399 3,186 1,393 9,982 119,660 166,734 Watch (5) — — 7 16 4 196 109 332 Special Mention (6) — — — — — — — — Classified (7-9) 2 13 31 6 — 121 713 886 Total 14,272 10,857 7,437 3,208 1,397 10,299 120,482 167,952 Current Period Gross Charge Offs 5 80 96 32 4 855 41 1,113 Combined Satisfactory (1-4) 229,424 345,801 1,439,766 1,023,288 417,209 1,083,184 209,399 4,748,071 Watch (5) — — 7 16 149 8,946 109 9,227 Special Mention (6) — — 2,045 3,384 42 3,159 2,553 11,183 Classified (7-9) 193 85 337 92 555 11,497 713 13,472 Total $ 229,617 $ 345,886 $ 1,442,155 $ 1,026,780 $ 417,955 $ 1,106,786 $ 212,774 $ 4,781,953 Current Period Gross Charge Offs $ 5 $ 129 $ 150 $ 36 $ 31 $ 2,316 $ 41 $ 2,708 Term Loans by Origination Year Revolving December 31, 2023 2023 2022 2021 2020 2019 Prior Loans Total (In Thousands) One- to four-family residential construction Satisfactory (1-4) $ 12,528 $ 9,878 $ 41 $ — $ — $ — $ 7,181 $ 29,628 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 12,528 9,878 41 — — — 7,181 29,628 Current Period Gross Charge Offs — — — — — — — — Subdivision construction Satisfactory (1-4) 532 1,022 21,333 43 64 365 — 23,359 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 532 1,022 21,333 43 64 365 — 23,359 Current Period Gross Charge Offs — —

INVESTMENTS IN LIMITED PARTNERS

INVESTMENTS IN LIMITED PARTNERSHIPS	9 Months Ended
INVESTMENTS IN LIMITED PARTNERSHIPS	Sep. 30, 2024
INVESTMENTS IN LIMITED PARTNERSHIPS
INVESTMENTS IN LIMITED PARTNERSHIPS	NOTE 7: INVESTMENTS IN LIMITED PARTNERSHIPS Investments in Affordable Housing Partnerships From time to time, the Company has invested in certain limited partnerships that were formed to develop and operate apartments and single-family houses designed as high-quality affordable housing for lower income tenants throughout Missouri and contiguous states (“Affordable Housing Partnerships”). At September 30, 2024, the Company had 23 such investments, with a net carrying value of $101.2 million. At December 31, 2023, the Company had 22 such investments, with a net carrying value of $66.3 million. Due to the Company’s inability to exercise any significant influence over any of the investments in Affordable Housing Partnerships, they all are accounted for using the proportional amortization method. Each of the partnerships must meet the regulatory requirements for affordable housing for a minimum 15-year compliance period to fully utilize the tax credits. If the partnerships cease to qualify during the compliance period, the credits may be denied for any period in which the projects are not in compliance and a portion of the credits previously taken may be subject to recapture with interest. The remaining federal affordable housing tax credits to be utilized through 2034 were $108.9 million as of September 30, 2024, assuming no tax credit recapture events occur and all projects currently under construction are completed as planned. Amortization of the investments in partnerships is expected to be approximately $98.2 million, assuming all projects currently under construction are completed and funded as planned. The Company’s usage of federal affordable housing tax credits approximated $2.8 million and $1.9 million during the three months ended September 30, 2024 and September 30, 2023, respectively. Investment amortization was $2.5 million for the three months ended September 30, 2024, compared to $1.7 million for the three months ended September 30, 2023. The Company’s usage of federal affordable housing tax credits approximated $8.4 million and $5.7 million during the nine months ended September 30, 2024 and September 30, 2023, respectively. Investment amortization was $7.6 million for the nine months ended September 30, 2024, compared to $5.2 million for the nine months ended September 30, 2023. Investments in Community Development Entities From time to time, the Company has invested in certain limited partnerships that were formed to develop and operate business and real estate projects located in low-income communities. At September 30, 2024, the Company had one such investment, with a net carrying value of $224,000. At December 31, 2023, the Company had one such investment, with a net carrying value of $361,000. Due to the Company’s inability to exercise any significant influence over any of the investments in qualified Community Development Entities, they are all accounted for using the proportional amortization method. Each of the partnerships provides federal New Market Tax Credits over a seven-year credit allowance period. In each of the first three years, credits totaling five percent of the original investment are allowed on the credit allowance dates, and for the final four years, credits totaling six percent of the original investment are allowed on the credit allowance dates. Each of the partnerships must be invested in a qualified Community Development Entity on each of the credit allowance dates during the seven-year period to utilize the tax credits. If the Community Development Entities cease to qualify during the seven-year period, the credits may be denied for any credit allowance date and a portion of the credits previously taken may be subject to recapture with interest. The investments in the Community Development Entities cannot be redeemed before the end of the seven-year period. The Company’s usage of federal New Market Tax Credits approximated $30,000 and $25,000 during the three months ended September 30, 2024 and 2023, respectively. Investment amortization amounted to $25,000 and $21,000 for the three months ended September 30, 2024 and 2023, respectively. The Company’s usage of federal New Market Tax Credits approximated $90,000 and $75,000 during the nine months ended September 30, 2024 and 2023, respectively. Investment amortization amounted to $50,000 and $62,000 for the nine months ended September 30, 2024 and 2023, respectively. Upon adoption of ASU 2023-02 on January 1, 2024, the Company recorded a reduction in the investment in these New Market Tax Credits, with a corresponding reduction in retained earnings, of $62,000. Investments in Limited Partnerships for Federal Rehabilitation/Historic Tax Credits From time to time, the Company has invested in certain limited partnerships that were formed to provide certain federal rehabilitation/historic tax credits. At September 30, 2024, the Company had one such investment, with a net carrying value of $64,000. At December 31, 2023, the Company had one such investment, with a net carrying value of $415,000. Under prior tax law, the Company utilized these credits in their entirety in the year the project was placed in service and the impact to the Consolidated Statements of Income was not material. Currently, such partnerships provide federal rehabilitation/historic tax credits over a five-year credit allowance period. The Company’s usage of certain federal rehabilitation/historic tax credits approximated $76,000 and $64,000 during the three months ended September 30, 2024 and 2023, respectively. Investment amortization amounted to $64,000 and $53,000 for the three months ended September 30, 2024 and 2023, respectively. The Company’s usage of certain federal rehabilitation/historic tax credits approximated $228,000 and $193,000 during the nine months ended September 30, 2024 and 2023, respectively. Investment amortization amounted to $191,000 and $160,000 for the nine months ended September 30, 2024 and 2023, respectively. Upon adoption of ASU 2023-02 on January 1, 2024, the Company recorded a reduction in the investment in these Rehabilitation/Historic Tax Credits, with a corresponding reduction in retained earnings, of $161,000. Investments in Limited Partnerships for State Tax Credits From time to time, the Company has invested in certain limited partnerships that were formed to provide certain state tax credits. The Company has primarily syndicated these tax credits and the impact to the Consolidated Statements of Income has not been material.

OTHER REAL ESTATE OWNED AND REP

OTHER REAL ESTATE OWNED AND REPOSSESSIONS	9 Months Ended
OTHER REAL ESTATE OWNED AND REPOSSESSIONS	Sep. 30, 2024
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
OTHER REAL ESTATE OWNED AND REPOSSESSIONS	NOTE 8: OTHER REAL ESTATE OWNED AND REPOSSESSIONS Major classifications of other real estate owned were as follows: September 30, December 31, 2024 2023 (In Thousands) Foreclosed assets held for sale and repossessions One- to four-family construction $ — $ — Subdivision construction — — Land development — — Commercial construction — — One- to four-family residential — — Other residential — — Commercial real estate 230 — Commercial business — — Consumer 33 23 Total foreclosed assets held for sale and repossessions 263 23 Other real estate owned not acquired through foreclosure — — Other real estate owned and repossessions $ 263 $ 23 At September 30, 2024 and December 31, 2023, no residential mortgage loans were in the process of foreclosure. Expenses applicable to other real estate owned and repossessions included the following: Three Months Ended September 30, 2024 2023 (In Thousands) Net (gains) on sales of other real estate owned and repossessions $ (459) $ (22) Valuation write-downs — — Operating expenses, net of rental income (77) 84 $ (536) $ 62 Nine Months Ended September 30, 2024 2023 (In Thousands) Net (gains) on sales of other real estate owned and repossessions $ (491) $ (41) Valuation write-downs — 82 Operating expenses, net of rental income 301 222 $ (190) $ 263

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	9 Months Ended
PREMISES AND EQUIPMENT	Sep. 30, 2024
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT	NOTE 9: PREMISES AND EQUIPMENT Major classifications of premises and equipment, stated at cost, were as follows: September 30, December 31, 2024 2023 (In Thousands) Land $ 39,269 $ 39,617 Buildings and improvements 107,358 107,602 Furniture, fixtures and equipment 69,403 70,162 Operating leases right of use asset 6,650 6,621 222,680 224,002 Less: accumulated depreciation 89,369 85,411 $ 133,311 $ 138,591 Leases. Leases (Topic 842). $6.6 For the three months ended September 30, 2024 and 2023, lease expense was $408,000 and $446,000, respectively. For the nine months ended September 30, 2024 and 2023, lease expense was $1.3 million and $1.3 million, respectively. The Company’s short-term leases related to offsite ATMs have both fixed and variable lease payment components, based on the number of transactions at the various ATMs. The variable portion of these lease payments is not material. The total lease expense related to ATMs for the three months ended September 30, 2024 and 2023 was $87,000 and $84,000, respectively. The total lease expense related to ATMs for the nine months ended September 30, 2024 and 2023 was $258,000 and $234,000, respectively. The Company does not sublease any of its leased facilities; however, it does lease to other parties portions of facilities that it owns. In terms of being the lessor in these circumstances, all of these lease agreements are classified as operating leases. In the three months ended September 30, 2024 and 2023, income recognized from these lease agreements was $303,000 and $326,000, respectively, and was included in occupancy and equipment expense. In the nine months ended September 30, 2024 and 2023, income recognized from these lease agreements was $984,000 and $975,000, respectively, and was included in occupancy and equipment expense. September 30, 2024 December 31, 2023 (In Thousands) Statement of Financial Condition Operating leases right of use asset $ 6,650 $ 6,621 Operating leases liability $ 6,878 $ 6,870 For the Three Months Ended September 30, 2024 September 30, 2023 (In Thousands) Statement of Income Operating lease costs classified as occupancy and equipment expense (includes short-term lease costs and amortization of right of use asset) $ 408 $ 446 Supplemental Cash Flow Information Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 404 $ 439 Right of use assets obtained in exchange for lease obligations: Operating leases — — For the Nine Months Ended September 30, 2024 September 30, 2023 (In Thousands) Statement of Income Operating lease costs classified as occupancy and equipment expense (includes short-term lease costs and amortization of right of use asset) $ 1,303 $ 1,289 Supplemental Cash Flow Information Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 1,282 $ 1,234 Right of use assets obtained in exchange for lease obligations: Operating leases 814 296 At September 30, 2024, future expected lease payments for leases with terms exceeding one year were as follows (In Thousands): 2024 $ 382 2025 1,313 2026 1,338 2027 1,289 2028 1,019 2029 663 Thereafter 1,988 Future lease payments expected 7,992 Less: interest portion of lease payments (1,114) Lease liability $ 6,878

DEPOSITS

DEPOSITS	9 Months Ended
DEPOSITS	Sep. 30, 2024
DEPOSITS
DEPOSITS	NOTE 10: DEPOSITS Weighted Average September 30, December 31, Interest Rate 2024 2023 (In Thousands, Except Interest Rates) Non-interest-bearing accounts — $ 856,727 $ 895,496 Interest-bearing checking and savings accounts 1.62% and 1.67% 2,236,140 2,216,482 3,092,867 3,111,978 Certificate accounts 0.00% - 0.99% 58,853 86,831 1.00% - 1.99% 65,675 22,485 2.00% - 2.99% 8,557 44,354 3.00% - 3.99% 74,442 46,304 4.00% - 4.99% 584,425 739,645 5.00% and above 2,255 8,583 794,207 948,202 Brokered deposits 4.91% and 5.20% 810,386 661,528 810,386 661,528 $ 4,697,460 $ 4,721,708 The Bank utilizes brokered deposits as an additional funding source. The aggregate amount of brokered deposits was approximately $810.4 million and $661.5 million at September 30, 2024 and December 31, 2023, respectively. At September 30, 2024 and December 31, 2023, brokered deposits included $300.0 million of purchased funds through the IntraFi Financial network. These IntraFi Financial deposits have a rate of interest that floats daily with an index of effective federal funds rate plus a spread. At September 30, 2024, there were brokered deposits totaling $185.0 million that had fixed rates of interest but were callable at the Bank’s discretion. At September 30, 2024, approximately 32% of the Company’s total deposits were uninsured, when including deposit accounts of consolidated subsidiaries of the Company and collateralized deposits of unaffiliated entities. Excluding deposit accounts of the Company’s consolidated subsidiaries, approximately 14% of the Company’s total deposits were uninsured at September 30, 2024.

ADVANCES FROM FEDERAL HOME LOAN

ADVANCES FROM FEDERAL HOME LOAN BANK	9 Months Ended
ADVANCES FROM FEDERAL HOME LOAN BANK	Sep. 30, 2024
ADVANCES FROM FEDERAL HOME LOAN BANK
ADVANCES FROM FEDERAL HOME LOAN BANK	NOTE 11: ADVANCES FROM FEDERAL HOME LOAN BANK At September 30, 2024 and December 31, 2023, there were no outstanding term advances from the Federal Home Loan Bank of Des Moines. At September 30, 2024 and December 31, 2023, there were outstanding overnight borrowings from the Federal Home Loan Bank of Des Moines, which are included in Note 12

SECURITIES SOLD UNDER REVERSE R

SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS	9 Months Ended
	Sep. 30, 2024
SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS
SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS	NOTE 12: SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS September 30, December 31, 2024 2023 (In Thousands) Notes payable – Community Development Equity Funds $ 1,246 $ 1,610 Securities sold under reverse repurchase agreements 75,829 70,843 Short-term borrowings from Federal Reserve Bank 180,000 — Overnight borrowings from the Federal Home Loan Bank 261,000 251,000 $ 518,075 $ 323,453 Short-term borrowings from the Federal Reserve Bank at September 30, 2024, were part of the Federal Reserve Bank’s Bank Term Funding Program (BTFP). The BTFP borrowing, which matures in January 2025 and has a fixed interest rate of 4.83%, may be repaid in full or in part without penalty prior to its stated maturity date. The line is secured primarily by the Bank’s held-to-maturity investment securities, with assets pledged totaling approximately $189.5 million as of September 30, 2024. The Bank enters into sales of securities under agreements to repurchase (reverse repurchase agreements). Reverse repurchase agreements are treated as financings, and the obligations to repurchase securities sold are reflected as a liability in the statements of financial condition. The dollar amount of securities underlying the agreements remains in the asset accounts. Securities underlying the agreements are held by the Bank during the agreement period. All agreements are written on a term of one month or less. The following table reflects the Company’s securities sold under reverse repurchase agreements, by collateral type. These securities contractually mature daily. September 30, 2024 December 31, 2023 (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC $ 75,829 $ 70,843

SUBORDINATED NOTES

SUBORDINATED NOTES	9 Months Ended
SUBORDINATED NOTES	Sep. 30, 2024
SUBORDINATED NOTES
SUBORDINATED NOTES	NOTE 13: SUBORDINATED NOTES On June 10, 2020, the Company completed the public offering and sale of $75.0 million of its subordinated notes. The notes are due June 15, 2030, and have a fixed interest rate of 5.50% until June 15, 2025, at which time the rate becomes floating at a rate expected to be equal to three-month term Secured Overnight Financing Rate (SOFR) plus 5.325%. The Company may call the notes at par beginning on June 15, 2025, and on any scheduled interest payment date thereafter. The notes were sold at par, resulting in net proceeds, after underwriting discounts and commissions, legal, accounting and other professional fees, of approximately $73.5 million. Total debt issuance costs of approximately $1.5 million were deferred and are being amortized over the expected life of the notes, which is five years. Amortization of the debt issuance costs during the three months ended September 30, 2024 and 2023, totaled $74,000 and $74,000, respectively. Amortization of the debt issuance costs during the nine months ended September 30, 2024 and 2023, totaled $223,000 and $223,000, respectively. Amortization of the debt issuance costs is included in interest expense on subordinated notes in the consolidated statements of income, resulting in an imputed interest rate of 5.91%. At September 30, 2024 and December 31, 2023, subordinated notes were as follows: September 30, 2024 December 31, 2023 (In Thousands) Subordinated notes $ 75,000 $ 75,000 Less: unamortized debt issuance costs 198 421 $ 74,802 $ 74,579

INCOME TAXES

INCOME TAXES	9 Months Ended
INCOME TAXES	Sep. 30, 2024
INCOME TAXES
INCOME TAXES	NOTE 14: INCOME TAXES Reconciliations of the Company’s effective tax rates to the statutory corporate tax rates were as follows: Three Months Ended September 30, 2024 2023 Tax at statutory rate 21.0 % 21.0 % Nontaxable interest and dividends (0.4) (0.5) Tax credits (4.1) (2.8) State taxes 1.3 2.5 Other 0.2 1.3 18.0 % 21.5 % Nine Months Ended September 30, 2024 2023 Tax at statutory rate 21.0 % 21.0 % Nontaxable interest and dividends (0.5) (0.5) Tax credits (4.3) (2.5) State taxes 1.8 1.9 Other 0.5 0.9 18.5 % 20.8 % The Company and its consolidated subsidiaries have not been audited recently by the Internal Revenue Service (IRS). As a result, federal tax years through December 31, 2019 are now closed. In addition, there are no pending audits by any state jurisdiction at September 30, 2024. The Company was previously under State of Missouri income and franchise tax examinations for its 2014 and 2015 tax years. The examinations concluded with one unresolved issue related to the exclusion of certain income in the calculation of Missouri income tax. The Missouri Department of Revenue denied the Company’s administrative protest regarding the 2014 and 2015 tax years’ examinations. In June 2021, the Company filed a formal protest with the Missouri Administrative Hearing Commission (MAHC), which has special jurisdiction to hear tax matters and is similar to a trial court, to continue defending the Company’s rights and associated tax position. The Company previously filed a motion for summary decision with the MAHC and, on January 26, 2024, the MAHC granted the motion in favor of the Company, upholding the Company’s position related to the exclusion of certain income from the calculation of Missouri income tax. In February 2024, the Missouri Department of Revenue confirmed to the Company in writing that it would not exercise its right to appeal the decision to the Missouri State Supreme Court.

DISCLOSURES ABOUT FAIR VALUE OF

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	9 Months Ended
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	Sep. 30, 2024
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS	NOTE 15: DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS ASC Topic 820, Fair Value Measurements ● Quoted prices in active markets for identical assets or liabilities (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date. An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis. ● Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means. ● Significant unobservable inputs (Level 3): Inputs that reflect assumptions of a source independent of the reporting entity or the reporting entity’s own assumptions that are supported by little or no market activity or observable inputs. Financial instruments are broken down by recurring or nonrecurring measurement status. Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, due to an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period. The Company considers transfers between the levels of the hierarchy to be recognized at the end of related reporting periods. Recurring Measurements The following table presents the fair value measurements of assets recognized in the accompanying statements of financial condition measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements fell at September 30, 2024 and December 31, 2023: Fair value measurements using Quoted prices in active markets Other Significant for identical observable unobservable assets inputs inputs Fair value (Level 1) (Level 2) (Level 3) (In Thousands) September 30, 2024 Available-for-sale securities Agency mortgage-backed securities $ 326,105 $ — $ 326,105 $ — Agency collateralized mortgage obligations 119,662 — 119,662 — States and political subdivisions securities 57,591 — 57,591 — Small Business Administration securities 61,867 — 61,867 — Interest rate derivative asset 6,313 — 6,313 — Interest rate derivative liability (14,784) — (14,784) — December 31, 2023 Available-for-sale securities Agency mortgage-backed securities $ 280,231 $ — $ 280,231 $ — Agency collateralized mortgage obligations 75,946 — 75,946 — States and political subdivisions securities 58,137 — 58,137 — Small Business Administration securities 63,893 — 63,893 — Interest rate derivative asset 8,205 — 8,205 — Interest rate derivative liability (25,336) — (25,336) — The following is a description of inputs and valuation methodologies used for assets recorded at fair value on a recurring basis and recognized in the accompanying statements of financial condition at September 30, 2024 and December 31, 2023 as well as the general classification of such assets pursuant to the valuation hierarchy. There were no significant changes in the valuation techniques during the nine-month period ended September 30, 2024. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Available-for-Sale Securities. Interest Rate Derivatives. Nonrecurring Measurements The following table presents the measurements of assets measured at fair value on a nonrecurring basis and the level within the fair value hierarchy in which the measurements fell at September 30, 2024 and December 31, 2023: Fair Value Measurements Using Quoted prices in active markets Other Significant for identical observable unobservable assets inputs inputs Fair value (Level 1) (Level 2) (Level 3) (In Thousands) September 30, 2024 Collateral-dependent loans $ 6,419 $ — $ — $ 6,419 December 31, 2023 Collateral-dependent loans $ 7,372 $ — $ — $ 7,372 The following is a description of valuation methodologies used for assets measured at fair value on a nonrecurring basis and recognized in the accompanying statements of financial condition, as well as the general classification of such assets pursuant to the valuation hierarchy. For assets classified within Level 3 of the fair value hierarchy, the process used to develop the reported fair value is described below. Loans Held for Sale. Collateral-Dependent Loans Foreclosed Assets Held for Sale. Fair Value of Financial Instruments The following methods were used to estimate the fair value of all other financial instruments recognized in the accompanying statements of financial condition at amounts other than fair value. Cash and Cash Equivalents and Federal Home Loan Bank Stock. Held-to-Maturity Securities. Loans and Interest Receivable. Deposits and Accrued Interest Payable. Short-Term Borrowings. Subordinated Debentures Issued to Capital Trusts. Subordinated Notes. Commitments to Originate Loans, Letters of Credit and Lines of Credit. The following table presents estimated fair values of the Company’s financial instruments not recorded at fair value in the financial statements. The fair values of certain of these instruments were calculated by discounting expected cash flows, which method involves significant judgments by management and uncertainties. Fair value is the estimated amount at which financial assets or liabilities could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. Because no market exists for certain of these financial instruments and because management does not intend to sell these financial instruments, the Company does not know whether the fair values shown below represent values at which the respective financial instruments could be sold individually or in the aggregate. September 30, 2024 December 31, 2023 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (In Thousands) Financial assets Cash and cash equivalents $ 208,365 $ 208,365 1 $ 211,333 $ 211,333 1 Held-to-maturity securities 189,257 170,042 2 195,023 171,193 2 Mortgage loans held for sale 9,959 9,959 2 5,849 5,849 2 Loans, net of allowance for credit losses 4,711,276 4,548,245 3 4,589,620 4,402,314 3 Interest receivable 22,262 22,262 3 21,206 21,206 3 Investment in FHLBank stock and other assets 17,912 17,912 3 26,313 26,313 3 Financial liabilities Deposits 4,697,460 4,694,052 3 4,721,708 4,714,624 3 Short-term borrowings 518,075 518,075 3 323,453 323,453 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 74,802 73,688 2 74,579 71,625 2 Interest payable 12,002 12,002 3 6,225 6,225 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 71 71 3 78 78 3 Lines of credit — — 3 — — 3

DERIVATIVES AND HEDGING ACTIVIT

DERIVATIVES AND HEDGING ACTIVITIES	9 Months Ended
DERIVATIVES AND HEDGING ACTIVITIES	Sep. 30, 2024
DERIVATIVES AND HEDGING ACTIVITIES
DERIVATIVES AND HEDGING ACTIVITIES	NOTE 16: DERIVATIVES AND HEDGING ACTIVITIES Risk Management Objective of Using Derivatives The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity and credit risk, primarily by managing the amount, sources and duration of its assets and liabilities. In the normal course of business, the Company may use derivative financial instruments (primarily interest rate swaps) from time to time to assist in its interest rate risk management. The Company has interest rate derivatives that result from a service provided to certain qualifying loan customers that are not used to manage interest rate risk in the Company’s assets or liabilities and are not designated in a qualifying hedging relationship. The Company manages a matched book with respect to its derivative instruments in order to minimize its net risk exposure resulting from such transactions. In addition, the Company has interest rate derivatives that have been designated in a qualified hedging relationship. Nondesignated Hedges The Company has interest rate swaps that are not designated in a qualifying hedging relationship. Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain loan customers. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. At September 30, 2024, the Company had four interest rate swaps totaling $68.0 million in notional amount amount Fair Value Hedges Interest Rate Swaps In January 2024, the Company elected to terminate these swaps prior to their contractual termination date in 2025. The Company received a net settlement payment from the swap counterparty totaling $26,500 upon termination. At the time of the early termination, the Company recorded a market value adjustment to the brokered deposits of $163,000, which is being amortized as a reduction of interest expense from January 2024 through February 2025. Cash Flow Hedges Interest Rate Swaps In March 2020, the Company and its swap counterparty mutually agreed to terminate the $400 million interest rate swap prior to its contractual maturity. The Company was paid $45.9 million from its swap counterparty as a result of this termination. This $45.9 million, less the accrued interest portion and net of deferred income taxes, was reflected in the Company’s stockholders’ equity as part of Accumulated Other Comprehensive Income (AOCI) and a portion of it is being accreted to interest income on loans monthly through the original contractual termination date of October 6, 2025. This has the effect of reducing Accumulated Other Comprehensive Income and increasing Net Interest Income and Retained Earnings over the period. At September 30, 2024, the Company expected to have a sufficient amount of eligible variable rate loans to continue to accrete this interest income on the terminated swap in future periods. If this expectation changes and the amount of eligible variable rate loans decreases significantly, the Company may be required to recognize this interest income more rapidly. The Company recorded $2.0 million of interest income related to this terminated swap in each of the three-month periods ended September 30, 2024 and 2023. The Company recorded $6.1 million of interest income related to the swap in each of the nine-month periods ended September 30, 2024 and 2023. In March 2022, the Company entered into an interest rate swap transaction as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans. The notional amount of the swap was $300 million, with a termination date of March 1, 2024. Under the terms of the swap, the Company received a fixed rate of interest of 1.6725% and paid a floating rate of interest equal to one-month USD-LIBOR (or the equivalent replacement USD-SOFR rate once the USD-LIBOR rate ceased to be available). The floating rate reset monthly and net settlements of interest due to/from the counterparty also occurred monthly. To the extent the floating rate of interest exceeded the fixed rate of interest, the Company was required to pay net settlements to the counterparty and record those net payments as a reduction of interest income on loans. If the fixed rate of interest exceeded the floating rate of interest, the Company received net interest settlements, which were recorded as loan interest income. As this interest rate swap reached its contractual termination date of March 1, 2024, there has been no further interest income impact related to this swap after the three months ended March 31, 2024. The Company recorded a reduction of loan interest income related to this swap transaction of $1.9 million in the nine months ended September 30, 2024. The Company recorded a reduction of loan interest income related to this swap transaction of $2.8 million and $7.5 million, respectively, in the three and nine months ended September 30, 2023. In July 2022, the Company entered into two additional interest rate swap transactions as part of its ongoing interest rate management strategies to hedge the risk of its floating rate loans. The notional amount of each swap is $200 million with an effective date of May 1, 2023 and a termination date of May 1, 2028. Under the terms of one swap, the Company receives a fixed rate of interest of 2.628% and pays a floating rate of interest equal to one-month USD-SOFR OIS. Under the terms of the other swap, the Company receives a fixed rate of interest of 5.725% and pays a floating rate of interest equal to one-month USD-Prime. In each case, the floating rate resets monthly and net settlements of interest due to/from the counterparty also occur monthly. To the extent the fixed rate of interest exceeds the floating rate of interest, the Company receives net interest settlements, which is recorded as loan interest income. If the floating rate of interest exceeds the fixed rate of interest, the Company pays net settlements to the counterparty and records those net payments as a reduction of interest income on loans. At September 30, 2024, the USD-Prime rate was 8.00% and the one-month USD-SOFR OIS rate was 5.16334%. The Company recorded a reduction of loan interest income related to these swap transactions of $2.7 million in both the three months ended September 30, 2024 and the three months ended September 30, 2023. The Company recorded a reduction of loan interest income related to these swap transactions totaling $8.3 million and $4.4 million, respectively, in the nine months ended September 30, 2024 and 2023. The effective portion of the gain or loss on the derivative is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affected earnings. Gains and losses on the derivative representing either hedge ineffectiveness or hedge components excluded from the assessment of effectiveness are recognized in current earnings. During each of the three and nine months ended September 30, 2024 and 2023, the Company recognized no non-interest income related to changes in the fair value of these derivatives. The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Statements of Financial Condition: Location in Fair Value Consolidated Statements September 30, December 31, of Financial Condition 2024 2023 (In Thousands) Derivatives designated as hedging instruments Active interest rate swaps Accrued expenses and other liabilities $ 8,551 $ 17,296 Total derivatives designated as hedging instruments $ 8,551 $ 17,296 Derivatives not designated as hedging instruments Asset Derivatives Interest rate products Prepaid expenses and other assets $ 6,313 $ 8,205 Total derivatives not designated as hedging instruments $ 6,313 $ 8,205 Liability Derivatives Interest rate products Accrued expenses and other liabilities $ 6,233 $ 8,040 Total derivatives not designated as hedging instruments $ 6,233 $ 8,040 The following table presents the effect of cash flow hedge accounting through AOCI on the statements of comprehensive income: Amount of Gain (Loss) Recognized in AOCI Three Months Ended September 30, Cash Flow Hedges 2024 2023 (In Thousands) Terminated interest rate swap, net of income taxes $ (1,580) $ (1,580) Active interest rate swaps, net of income taxes 9,571 (2,547) $ 7,991 $ (4,127) Amount of Gain (Loss) Recognized in AOCI Nine Months Ended September 30, Cash Flow Hedges 2024 2023 (In Thousands) Terminated interest rate swap, net of income taxes $ (4,706) $ (4,688) Active interest rate swaps, net of income taxes 6,595 (2,323) $ 1,889 $ (7,011) The following table presents the effect of cash flow hedge accounting on the statements of income: Three Months Ended September 30, Cash Flow Hedges 2024 2023 Interest Interest Interest Interest Income Expense Income Expense (In Thousands) Total Interest Income $ 83,796 $ — $ 75,272 $ — Total Interest Expense — 35,821 — 28,534 $ 83,796 $ 35,821 $ 75,272 $ 28,534 Terminated interest rate swap $ 2,047 $ — $ 2,047 $ — Active interest rate swaps (2,743) — (5,545) — $ (696) $ — $ (3,498) $ — Nine Months Ended September 30, Cash Flow Hedges 2024 2023 Interest Interest Interest Interest Income Expense Income Expense (In Thousands) Total Interest Income $ 242,113 $ — $ 220,353 $ — Total Interest Expense — 102,504 — 72,285 $ 242,113 $ 102,504 $ 220,353 $ 72,285 Terminated interest rate swap $ 6,120 $ — $ 6,076 $ — Active interest rate swaps (10,165) — (11,925) — $ (4,045) $ — $ (5,849) $ — Agreements with Derivative Counterparties The Company has agreements with its derivative counterparties. If the Company defaults on any of its indebtedness, including a default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. If the Bank fails to maintain its status as a well-capitalized institution, then the counterparty could terminate the derivative positions and the Company would be required to settle its obligations under the agreements. Similarly, the Company could be required to settle its obligations under certain of its agreements if certain regulatory events occur, such as the issuance of a formal directive, or if the Company’s credit rating is downgraded below a specified level. At September 30, 2024, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers and interest rate swaps to hedge risk related to the Company’s variable rate loans) in an overall net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $80,000. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At September 30, 2024, the Company had given cash collateral to one derivative counterparty of $2.7 million to cover its net fair value position. This counterparty position included collateral from the counterparty of $6.4 million for commercial lending swaps and collateral from the Company of $9.4 million for interest rate swaps related to variable rate loans. At December 31, 2023, the termination value of derivatives with our derivative dealer counterparties (related to loan level swaps with commercial lending customers and interest rate swaps to hedge risk related to the Company’s variable rate loans) in an overall net asset position, which included accrued interest but excluded any adjustment for nonperformance risk, related to these agreements was $137,000. The Company has minimum collateral posting thresholds with its derivative dealer counterparties. At December 31, 2023, the Company had given cash collateral to one derivative counterparty of $11.6 million to cover its net fair value position. This counterparty position included collateral from the counterparty of $8.2 million for commercial lending swaps, collateral from the Company of $19.2 million for interest rate swaps related to variable rate loans and collateral from the Company of $44,000 for swaps related to brokered deposits. If the Company had breached any of these provisions at September 30, 2024 or December 31, 2023, it could have been required to settle its obligations under the agreements at the termination value. Under the collateral agreements between the parties, either party may choose to provide cash or securities to satisfy its collateral requirements.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Net Income (Loss)	$ 16,490	$ 15,879	$ 46,885	$ 54,655

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 30, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

BASIS OF PRESENTATION (Tables)

BASIS OF PRESENTATION (Tables)	9 Months Ended
BASIS OF PRESENTATION (Tables)	Sep. 30, 2024
BASIS OF PRESENTATION
Schedule of Company's Consolidated Statements of Cash Flows	For the Nine Months Ended September 30, 2023 As Previously Presented Net Change As Corrected Operating Activities Accretion of deferred income, premiums, discounts and other $ (4,379) $ (6,075) $ (10,454) Prepaid expenses and other assets (40,559) 32,855 (7,704) Net cash provided by operating activities 40,105 26,780 66,885 Investing Activities Investment in tax credit partnerships — (26,780) (26,780) Net cash provided by (used in) investing activities (39,112) (26,780) (65,892)

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	9 Months Ended
EARNINGS PER SHARE (Tables)	Sep. 30, 2024
EARNINGS PER SHARE
Schedule of earnings per common share	Three Months Ended September 30, 2024 2023 (In Thousands, Except Per Share Data) Basic: Average common shares outstanding 11,656 11,935 Net income $ 16,490 $ 15,879 Per common share amount $ 1.41 $ 1.33 Diluted: Average common shares outstanding 11,656 11,935 Net effect of dilutive stock options – based on the treasury stock method using average market price 63 42 Diluted common shares 11,719 11,977 Net income $ 16,490 $ 15,879 Per common share amount $ 1.41 $ 1.33 Nine Months Ended September 30, 2024 2023 (In Thousands, Except Per Share Data) Basic: Average common shares outstanding 11,688 12,055 Net income $ 46,885 $ 54,655 Per common share amount $ 4.01 $ 4.53 Diluted: Average common shares outstanding 11,688 12,055 Net effect of dilutive stock options – based on the treasury stock method using average market price 58 49 Diluted common shares 11,746 12,104 Net income $ 46,885 $ 54,655 Per common share amount $ 3.99 $ 4.52

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	9 Months Ended
INVESTMENT SECURITIES (Tables)	Sep. 30, 2024
INVESTMENT SECURITIES
Schedule of amortized cost and fair values of securities	September 30, 2024 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 352,265 $ 1,900 $ 28,060 $ 326,105 Agency collateralized mortgage obligations 125,421 1,626 7,385 119,662 States and political subdivisions 58,742 324 1,475 57,591 Small Business Administration securities 67,449 87 5,669 61,867 $ 603,877 $ 3,937 $ 42,589 $ 565,225 September 30, 2024 Amortized Gross Gross Amortized Fair Value Carrying Unrealized Unrealized Fair Cost Adjustment Value Gains Losses Value (In Thousands) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ 71,375 $ 2,005 $ 73,380 $ — $ 6,351 $ 67,029 Agency collateralized mortgage obligations 111,936 (2,220) 109,716 — 12,327 97,389 States and political subdivisions 6,150 11 6,161 — 537 5,624 $ 189,461 $ (204) $ 189,257 $ — $ 19,215 $ 170,042 December 31, 2023 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 316,114 $ 7 $ 35,890 $ 280,231 Agency collateralized mortgage obligations 85,989 — 10,043 75,946 States and political subdivisions securities 59,141 527 1,531 58,137 Small Business Administration securities 70,648 — 6,755 63,893 $ 531,892 $ 534 $ 54,219 $ 478,207 December 31, 2023 Amortized Gross Gross Amortized Fair Value Carrying Unrealized Unrealized Fair Cost Adjustment Value Gains Losses Value (In Thousands) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ 72,495 $ 2,436 $ 74,931 $ — $ 8,686 $ 66,245 Agency collateralized mortgage obligations 116,405 (2,502) 113,903 — 14,662 99,241 States and political subdivisions 6,188 1 6,189 — 482 5,707 $ 195,088 $ (65) $ 195,023 $ — $ 23,830 $ 171,193
Schedule of amortized cost and fair value of available-for-sale and held-to-maturity securities by contractual maturity	Available-for-Sale Held-to-Maturity Amortized Fair Amortized Fair Cost Value Carrying Value Value (In Thousands) One year or less $ — $ — $ — $ — After one through two years — — — — After two through three years 245 245 — — After three through four years 977 995 — — After four through five years — — — — After five through fifteen years 10,652 10,523 3,246 2,953 After fifteen years 46,868 45,828 2,915 2,671 Securities not due on a single maturity date 545,135 507,634 183,096 164,418 $ 603,877 $ 565,225 $ 189,257 $ 170,042
Schedule of fair value and unrealized loss for available-for-sale securities and held-to-maturity securities	September 30, 2024 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 3,784 $ (34) $ 269,222 $ (28,026) $ 273,006 $ (28,060) Agency collateralized mortgage obligations — — 66,735 (7,385) 66,735 (7,385) States and political subdivisions securities 1,349 (11) 37,640 (1,464) 38,989 (1,475) Small Business Administration securities — — 54,140 (5,669) 54,140 (5,669) $ 5,133 $ (45) $ 427,737 $ (42,544) $ 432,870 $ (42,589) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ — $ — $ 67,030 $ (6,351) $ 67,030 $ (6,351) Agency collateralized mortgage obligations — — 97,389 (12,327) 97,389 (12,327) States and political subdivisions securities — — 5,623 (537) 5,623 (537) $ — $ — $ 170,042 $ (19,215) $ 170,042 $ (19,215) December 31, 2023 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses (In Thousands) AVAILABLE-FOR-SALE SECURITIES: Agency mortgage-backed securities $ 4,318 $ (9) $ 274,801 $ (35,881) $ 279,119 $ (35,890) Agency collateralized mortgage obligations 9,080 (216) 66,866 (9,827) 75,946 (10,043) States and political subdivisions securities 7,782 (133) 56,111 (6,622) 63,893 (6,755) Small Business Administration securities — — 37,969 (1,531) 37,969 (1,531) $ 21,180 $ (358) $ 435,747 $ (53,861) $ 456,927 $ (54,219) HELD-TO-MATURITY SECURITIES: Agency mortgage-backed securities $ — $ — $ 66,245 $ (8,686) $ 66,245 $ (8,686) Agency collateralized mortgage obligations — — 99,241 (14,662) 99,241 (14,662) States and political subdivisions securities — — 5,707 (482) 5,707 (482) $ — $ — $ 171,193 $ (23,830) $ 171,193 $ (23,830)

LOANS AND ALLOWANCE FOR CREDI_2

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	9 Months Ended
LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)	Sep. 30, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Schedule of classes of loans	September 30, December 31, 2024 2023 (In Thousands) One- to four-family residential construction $ 27,643 $ 29,628 Subdivision construction 20,077 23,359 Land development 39,023 48,015 Commercial construction 334,299 703,407 Owner occupied one- to four-family residential 716,572 769,260 Non-owner occupied one- to four-family residential 121,834 121,275 Commercial real estate 1,546,005 1,521,032 Other residential (multi-family) 1,569,879 942,071 Commercial business 227,037 318,050 Industrial revenue bonds 11,632 12,047 Consumer auto 25,870 28,343 Consumer other 27,353 28,978 Home equity lines of credit 114,729 115,883 4,781,953 4,661,348 Allowance for credit losses (64,915) (64,670) Deferred loan fees and gains, net (5,762) (7,058) $ 4,711,276 $ 4,589,620 Weighted average interest rate 6.30 % 6.25 %
Schedule of classes of loans by aging as of the dates indicated	September 30, 2024 Total Loans Over 90 Total > 90 Days Past 30-59 Days 60-89 Days Days Total Past Loans Due and Past Due Past Due Past Due Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ 27,643 $ 27,643 $ — Subdivision construction — — — — 20,077 20,077 — Land development — — 553 553 38,470 39,023 — Commercial construction — — — — 334,299 334,299 — Owner occupied one- to four-family residential 143 61 68 272 716,300 716,572 — Non-owner occupied one- to four-family residential 636 — 525 1,161 120,673 121,834 — Commercial real estate — — 6,102 6,102 1,539,903 1,546,005 — Other residential (multi-family) — — — — 1,569,879 1,569,879 — Commercial business — — 139 139 226,898 227,037 — Industrial revenue bonds — — — — 11,632 11,632 — Consumer auto 18 4 12 34 25,836 25,870 — Consumer other 105 20 84 209 27,144 27,353 — Home equity lines of credit 1,613 — — 1,613 113,116 114,729 — Total $ 2,515 $ 85 $ 7,483 $ 10,083 $ 4,771,870 $ 4,781,953 $ — December 31, 2023 Total Loans Over 90 Total > 90 Days Past 30-59 Days 60-89 Days Days Total Past Loans Due and Past Due Past Due Past Due Due Current Receivable Still Accruing (In Thousands) One- to four-family residential construction $ — $ — $ — $ — $ 29,628 $ 29,628 $ — Subdivision construction — — — — 23,359 23,359 — Land development — — 384 384 47,631 48,015 — Commercial construction — — — — 703,407 703,407 — Owner occupied one- to four-family residential 2,778 125 722 3,625 765,635 769,260 — Non-owner occupied one- to four-family residential — — — — 121,275 121,275 — Commercial real estate 187 92 10,552 10,831 1,510,201 1,521,032 — Other residential (multi-family) 9,572 — — 9,572 932,499 942,071 — Commercial business — — 31 31 318,019 318,050 — Industrial revenue bonds — — — — 12,047 12,047 — Consumer auto 116 65 8 189 28,154 28,343 — Consumer other 137 — 42 179 28,799 28,978 — Home equity lines of credit 335 26 9 370 115,513 115,883 — Total $ 13,125 $ 308 $ 11,748 $ 25,181 $ 4,636,167 $ 4,661,348 $ —
Schedule of nonaccruing loans	September 30, December 31, 2024 2023 (In Thousands) One- to four-family residential construction $ — $ — Subdivision construction — — Land development 553 384 Commercial construction — — Owner occupied one- to four-family residential 68 722 Non-owner occupied one- to four-family residential 525 — Commercial real estate 6,102 10,552 Other residential (multi-family) — — Commercial business 139 31 Industrial revenue bonds — — Consumer auto 12 8 Consumer other 84 42 Home equity lines of credit — 9 Total nonaccruing loans $ 7,483 $ 11,748
Schedule of activity in the allowance for credit losses and unfunded commitments by portfolio segment	One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for credit losses Balance, July 1, 2023 $ 11,818 $ 13,189 $ 25,508 $ 2,502 $ 7,827 $ 4,008 $ 64,852 Provision (credit) charged to expense — — — — — — — Losses charged off — — — — — (498) (498) Recoveries 41 — — — 28 330 399 Balance, September 30, 2023 $ 11,859 $ 13,189 $ 25,508 $ 2,502 $ 7,855 $ 3,840 $ 64,753 Allowance for credit losses Balance, July 1, 2024 $ 9,678 $ 13,886 $ 29,469 $ 2,841 $ 5,677 $ 3,704 $ 65,255 Provision (credit) charged to expense (463) 1,708 633 (106) (930) 358 1,200 Losses charged off — — (1,235) — (164) (332) (1,731) Recoveries 4 — — — 17 170 191 Balance, September 30, 2024 $ 9,219 $ 15,594 $ 28,867 $ 2,735 $ 4,600 $ 3,900 $ 64,915 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for credit losses Balance, January 1, 2023 $ 11,171 $ 12,110 $ 27,096 $ 2,865 $ 5,822 $ 4,416 $ 63,480 Provision (credit) charged to expense 647 1,079 (1,590) (363) 1,851 (124) 1,500 Losses charged off (31) — — — — (1,409) (1,440) Recoveries 72 — 2 — 182 957 1,213 Balance, September 30, 2023 $ 11,859 $ 13,189 $ 25,508 $ 2,502 $ 7,855 $ 3,840 $ 64,753 Allowance for credit losses Balance, January 1, 2024 $ 9,820 $ 13,370 $ 28,171 $ 2,844 $ 6,935 $ 3,530 $ 64,670 Provision (credit) charged to expense (570) 2,224 1,931 (202) (2,526) 843 1,700 Losses charged off (65) — (1,235) (101) (195) (1,111) (2,707) Recoveries 34 — — 194 386 638 1,252 Balance, September 30, 2024 $ 9,219 $ 15,594 $ 28,867 $ 2,735 $ 4,600 $ 3,900 $ 64,915 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for unfunded commitments Balance, July 1, 2023 $ 758 $ 6,791 $ 464 $ 871 $ 987 $ 500 $ 10,371 Provision (credit) charged to expense 146 (1,412) 33 108 (34) (36) (1,195) Balance, September 30, 2023 $ 904 $ 5,379 $ 497 $ 979 $ 953 $ 464 $ 9,176 Allowance for unfunded commitments Balance, July 1, 2024 $ 673 $ 3,346 $ 646 $ 550 $ 1,343 $ 452 $ 7,010 Provision (credit) charged to expense (262) (543) (19) (57) 801 17 (63) Balance, September 30, 2024 $ 411 $ 2,803 $ 627 $ 493 $ 2,144 $ 469 $ 6,947 One- to Four- Family Residential and Other Commercial Commercial Commercial Construction Residential Real Estate Construction Business Consumer Total (In Thousands) Allowance for unfunded commitments Balance, January 1, 2023 $ 736 $ 8,624 $ 416 $ 802 $ 1,734 $ 504 $ 12,816 Provision (credit) charged to expense 168 (3,245) 81 177 (781) (40) (3,640) Balance, September 30, 2023 $ 904 $ 5,379 $ 497 $ 979 $ 953 $ 464 $ 9,176 Allowance for unfunded commitments Balance, January 1, 2024 $ 706 $ 4,006 $ 619 $ 741 $ 959 $ 456 $ 7,487 Provision (credit) charged to expense (295) (1,203) 8 (248) 1,185 13 (540) Balance, September 30, 2024 $ 411 $ 2,803 $ 627 $ 493 $ 2,144 $ 469 $ 6,947
Schedule of collateral-dependent loans by class of loans	September 30, 2024 December 31, 2023 Principal Specific Principal Specific Balance Allowance Balance Allowance (In Thousands) One- to four-family residential construction $ — $ — $ — $ — Subdivision construction — — — — Land development 553 — 384 — Commercial construction — — — — Owner occupied one- to four- family residential 306 8 691 29 Non-owner occupied one- to four-family residential 525 265 — — Commercial real estate 10,274 — 10,548 1,200 Other residential (multi-family) — — 7,162 — Commercial business 330 191 — — Industrial revenue bonds — — — — Consumer auto — — — — Consumer other — — — — Home equity lines of credit 598 — — — Total $ 12,586 $ 464 $ 18,785 $ 1,229
Schedule of loan modifications made to borrowers experiencing financial difficulty by the loan portfolio and type of concessions granted	Amortized Cost Basis at September 30, 2024 Interest Rate Term Total Reduction Extension Combination Modifications (In Thousands) Construction and land development $ — $ — $ — $ — One- to four-family residential — — — — Other residential (multi-family) — 2,720 — 2,720 Commercial real estate — 75 6,014 6,089 Commercial business — — — — Consumer — 5 — 5 $ — $ 2,800 $ 6,014 $ 8,814 Amortized Cost Basis at December 31, 2023 Interest Rate Term Total Reduction Extension Combination Modifications (In Thousands) Construction and land development $ — $ — $ 1,553 $ 1,553 One- to four-family residential — — — — Other residential (multi-family) — 2,750 — 2,750 Commercial real estate — 77 20,365 20,442 Commercial business — — — — Consumer 5 7 — 12 $ 5 $ 2,834 $ 21,918 $ 24,757
Schedule of performance of loans that are modified	September 30, 2024 30-89 Days Over 90 Days Current Past Due Past Due Total (In Thousands) Construction and land development $ — $ — $ — $ — One- to four-family residential — — — — Other residential (multi-family) 2,720 — — 2,720 Commercial real estate 75 — 6,014 6,089 Commercial business — — — — Consumer 5 — — 5 $ 2,800 $ — $ 6,014 $ 8,814 December 31, 2023 30-89 Days Over 90 Days Current Past Due Past Due Total (In Thousands) Construction and land development $ 1,553 $ — $ — $ 1,553 One- to four-family residential — — — — Other residential (multi-family) 2,750 — — 2,750 Commercial real estate 12,384 — 8,058 20,442 Commercial business — — — — Consumer 12 — — 12 $ 16,699 $ — $ 8,058 $ 24,757
Schedule of loans by category and risk rating separated by origination and loan class	The following tables present a summary of loans by category and risk rating separated by origination and loan class as of September 30, 2024 and December 31, 2023. Term Loans by Origination Year Revolving September 30, 2024 2024 YTD 2023 2022 2021 2020 Prior Loans Total (In Thousands) One- to four-family residential construction Satisfactory (1-4) $ 7,079 $ 11,566 $ 3,710 $ 44 $ — $ — $ 5,244 $ 27,643 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 7,079 11,566 3,710 44 — — 5,244 27,643 Current Period Gross Charge Offs — — — — — — — — Subdivision construction Satisfactory (1-4) 436 173 809 17,633 30 222 774 20,077 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 436 173 809 17,633 30 222 774 20,077 Current Period Gross Charge Offs — — — — — — — — Construction and land development Satisfactory (1-4) 13,178 7,455 3,936 5,153 3,092 5,302 354 38,470 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — 553 — — 553 Total 13,178 7,455 3,936 5,153 3,645 5,302 354 39,023 Current Period Gross Charge Offs — — — — — 101 — 101 Other construction Satisfactory (1-4) 41,729 54,931 205,478 32,161 — — — 334,299 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 41,729 54,931 205,478 32,161 — — — 334,299 Current Period Gross Charge Offs — — — — — — — — One- to four-family residential Satisfactory (1-4) 27,701 63,194 310,038 180,197 95,828 158,900 459 836,317 Watch (5) — — — — 145 684 — 829 Special Mention (6) — — — — — — — — Classified (7-9) — 72 306 — — 882 — 1,260 Total 27,701 63,266 310,344 180,197 95,973 160,466 459 838,406 Current Period Gross Charge Offs — 49 — — — 15 — 64 Other residential (multi-family) Satisfactory (1-4) 61,801 91,470 497,174 538,574 212,321 162,417 3,402 1,567,159 Watch (5) — — — — — — — — Special Mention (6) — — — — — 2,720 — 2,720 Classified (7-9) — — — — — — — — Total 61,801 91,470 497,174 538,574 212,321 165,137 3,402 1,569,879 Current Period Gross Charge Offs — — — — — — — — Commercial real estate Satisfactory (1-4) 49,148 71,127 351,065 225,014 96,327 700,369 34,019 1,527,069 Watch (5) — — — — — 8,056 — 8,056 Special Mention (6) — — — — — 439 — 439 Classified (7-9) — — — 86 — 10,355 — 10,441 Total 49,148 71,127 351,065 225,100 96,327 719,219 34,019 1,546,005 Current Period Gross Charge Offs — — 54 — — 1,181 — 1,235 Commercial business Satisfactory (1-4) 14,082 35,041 60,157 21,326 8,218 45,992 45,487 230,303 Watch (5) — — — — — 10 — 10 Special Mention (6) — — 2,045 3,384 42 — 2,553 8,024 Classified (7-9) 191 — — — 2 139 — 332 Total 14,273 35,041 62,202 24,710 8,262 46,141 48,040 238,669 Current Period Gross Charge Offs — — — 4 27 164 — 195 Consumer Satisfactory (1-4) 14,270 10,844 7,399 3,186 1,393 9,982 119,660 166,734 Watch (5) — — 7 16 4 196 109 332 Special Mention (6) — — — — — — — — Classified (7-9) 2 13 31 6 — 121 713 886 Total 14,272 10,857 7,437 3,208 1,397 10,299 120,482 167,952 Current Period Gross Charge Offs 5 80 96 32 4 855 41 1,113 Combined Satisfactory (1-4) 229,424 345,801 1,439,766 1,023,288 417,209 1,083,184 209,399 4,748,071 Watch (5) — — 7 16 149 8,946 109 9,227 Special Mention (6) — — 2,045 3,384 42 3,159 2,553 11,183 Classified (7-9) 193 85 337 92 555 11,497 713 13,472 Total $ 229,617 $ 345,886 $ 1,442,155 $ 1,026,780 $ 417,955 $ 1,106,786 $ 212,774 $ 4,781,953 Current Period Gross Charge Offs $ 5 $ 129 $ 150 $ 36 $ 31 $ 2,316 $ 41 $ 2,708 Term Loans by Origination Year Revolving December 31, 2023 2023 2022 2021 2020 2019 Prior Loans Total (In Thousands) One- to four-family residential construction Satisfactory (1-4) $ 12,528 $ 9,878 $ 41 $ — $ — $ — $ 7,181 $ 29,628 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 12,528 9,878 41 — — — 7,181 29,628 Current Period Gross Charge Offs — — — — — — — — Subdivision construction Satisfactory (1-4) 532 1,022 21,333 43 64 365 — 23,359 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 532 1,022 21,333 43 64 365 — 23,359 Current Period Gross Charge Offs — — — — — — — — Construction and land development Satisfactory (1-4) 14,860 12,564 5,658 3,682 5,458 4,531 878 47,631 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — 384 384 Total 14,860 12,564 5,658 3,682 5,458 4,531 1,262 48,015 Current Period Gross Charge Offs — — — — — — — — Other construction Satisfactory (1-4) 60,895 422,727 203,918 15,867 — — — 703,407 Watch (5) — — — — — — — — Special Mention (6) — — — — — — — — Classified (7-9) — — — — — — — — Total 60,895 422,727 203,918 15,867 — — — 703,407 Current Period Gross Charge Offs — — — — — — — — One- to four-family residential Satisfactory (1-4) 66,733 330,489 203,781 108,232 60,288 118,570 483 888,576 Watch (5) — — — — 171 862 46 1,079 Special Mention (6) — — — — — — — — Classified (7-9) — — 543 148 — 189 — 880 Total 66,733 330,489 204,324 108,380 60,459 119,621 529 890,535 Current Period Gross Charge Offs — — — — — 11 20 31 Other residential (multi-family) Satisfactory (1-4) 18,795 108,389 391,516 180,916 108,173 111,462 3,335 922,586 Watch (5) — — — — — — — — Special Mention (6) — — — — — 12,322 — 12,322 Classified (7-9) — — — — — 7,163 — 7,163 Total 18,795 108,389 391,516 180,916 108,173 130,947 3,335 942,071 Current Period Gross Charge Offs — — — — — — — — Commercial real estate Satisfactory (1-4) 53,158 284,738 237,822 103,393 161,680 624,515 35,276 1,500,582 Watch (5) — — — — 154 5,348 — 5,502 Special Mention (6) — — — — — 4,396 — 4,396 Classified (7-9) — — — — — 10,552 — 10,552 Total 53,158 284,738 237,822 103,393 161,834 644,811 35,276 1,521,032 Current Period Gross Charge Offs — — — — — — — — Commercial business Satisfactory (1-4) 58,551 92,224 30,361 15,371 10,043 55,044 57,177 318,771 Watch (5) — — — — — 1,369 — 1,369 Special Mention (6) — 1,186 3,840 — — — 4,900 9,926 Classified (7-9) — — 4 27 — — — 31 Total 58,551 93,410 34,205 15,398 10,043 56,413 62,077 330,097 Current Period Gross Charge Offs — 7 — — — 1,030 — 1,037 Consumer Satisfactory (1-4) 16,629 12,010 6,163 2,811 828 12,089 122,166 172,696 Watch (5) — 3 21 6 3 201 154 388 Special Mention (6) — — — — — — 8 8 Classified (7-9) — 42 12 — — 49 9 112 Total 16,629 12,055 6,196 2,817 831 12,339 122,337 173,204 Current Period Gross Charge Offs 4 135 24 3 18 1,493 77 1,754 Combined Satisfactory (1-4) 302,681 1,274,041 1,100,593 430,315 346,534 926,576 226,496 4,607,236 Watch (5) — 3 21 6 328 7,780 200 8,338 Special Mention (6) — 1,186 3,840 — — 16,718 4,908 26,652 Classified (7-9) — 42 559 175 — 17,953 393 19,122 Total $ 302,681 $ 1,275,272 $ 1,105,013 $ 430,496 $ 346,862 $ 969,027 $ 231,997 $ 4,661,348 Current Period Gross Charge Offs $ 4 $ 142 $ 24 $ 3 $ 18 $ 2,534 $ 97 $ 2,822

OTHER REAL ESTATE OWNED AND R_2

OTHER REAL ESTATE OWNED AND REPOSSESSIONS (Tables)	9 Months Ended
OTHER REAL ESTATE OWNED AND REPOSSESSIONS (Tables)	Sep. 30, 2024
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Schedule of major classifications of other real estate owned	September 30, December 31, 2024 2023 (In Thousands) Foreclosed assets held for sale and repossessions One- to four-family construction $ — $ — Subdivision construction — — Land development — — Commercial construction — — One- to four-family residential — — Other residential — — Commercial real estate 230 — Commercial business — — Consumer 33 23 Total foreclosed assets held for sale and repossessions 263 23 Other real estate owned not acquired through foreclosure — — Other real estate owned and repossessions $ 263 $ 23
Schedule of expenses applicable to other real estate owned and repossessions	Three Months Ended September 30, 2024 2023 (In Thousands) Net (gains) on sales of other real estate owned and repossessions $ (459) $ (22) Valuation write-downs — — Operating expenses, net of rental income (77) 84 $ (536) $ 62 Nine Months Ended September 30, 2024 2023 (In Thousands) Net (gains) on sales of other real estate owned and repossessions $ (491) $ (41) Valuation write-downs — 82 Operating expenses, net of rental income 301 222 $ (190) $ 263

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	9 Months Ended
PREMISES AND EQUIPMENT (Tables)	Sep. 30, 2024
PREMISES AND EQUIPMENT
Schedule of major classifications of premises and equipment, stated at cost	September 30, December 31, 2024 2023 (In Thousands) Land $ 39,269 $ 39,617 Buildings and improvements 107,358 107,602 Furniture, fixtures and equipment 69,403 70,162 Operating leases right of use asset 6,650 6,621 222,680 224,002 Less: accumulated depreciation 89,369 85,411 $ 133,311 $ 138,591
Schedule of information about operating lease	September 30, 2024 December 31, 2023 (In Thousands) Statement of Financial Condition Operating leases right of use asset $ 6,650 $ 6,621 Operating leases liability $ 6,878 $ 6,870 For the Three Months Ended September 30, 2024 September 30, 2023 (In Thousands) Statement of Income Operating lease costs classified as occupancy and equipment expense (includes short-term lease costs and amortization of right of use asset) $ 408 $ 446 Supplemental Cash Flow Information Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 404 $ 439 Right of use assets obtained in exchange for lease obligations: Operating leases — — For the Nine Months Ended September 30, 2024 September 30, 2023 (In Thousands) Statement of Income Operating lease costs classified as occupancy and equipment expense (includes short-term lease costs and amortization of right of use asset) $ 1,303 $ 1,289 Supplemental Cash Flow Information Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 1,282 $ 1,234 Right of use assets obtained in exchange for lease obligations: Operating leases 814 296
Schedule of future expected lease payments for leases with terms exceeding one year	At September 30, 2024, future expected lease payments for leases with terms exceeding one year were as follows (In Thousands): 2024 $ 382 2025 1,313 2026 1,338 2027 1,289 2028 1,019 2029 663 Thereafter 1,988 Future lease payments expected 7,992 Less: interest portion of lease payments (1,114) Lease liability $ 6,878

DEPOSITS (Tables)

DEPOSITS (Tables)	9 Months Ended
DEPOSITS (Tables)	Sep. 30, 2024
DEPOSITS
Schedule of deposits	Weighted Average September 30, December 31, Interest Rate 2024 2023 (In Thousands, Except Interest Rates) Non-interest-bearing accounts — $ 856,727 $ 895,496 Interest-bearing checking and savings accounts 1.62% and 1.67% 2,236,140 2,216,482 3,092,867 3,111,978 Certificate accounts 0.00% - 0.99% 58,853 86,831 1.00% - 1.99% 65,675 22,485 2.00% - 2.99% 8,557 44,354 3.00% - 3.99% 74,442 46,304 4.00% - 4.99% 584,425 739,645 5.00% and above 2,255 8,583 794,207 948,202 Brokered deposits 4.91% and 5.20% 810,386 661,528 810,386 661,528 $ 4,697,460 $ 4,721,708

SECURITIES SOLD UNDER REVERSE_2

SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS (Tables)	9 Months Ended
	Sep. 30, 2024
SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS
Schedule of short-term debt	September 30, December 31, 2024 2023 (In Thousands) Notes payable – Community Development Equity Funds $ 1,246 $ 1,610 Securities sold under reverse repurchase agreements 75,829 70,843 Short-term borrowings from Federal Reserve Bank 180,000 — Overnight borrowings from the Federal Home Loan Bank 261,000 251,000 $ 518,075 $ 323,453
Schedule of securities sold under reverse repurchase agreements, by collateral type and remaining contractual maturity	September 30, 2024 December 31, 2023 (In Thousands) Mortgage-backed securities – GNMA, FNMA, FHLMC $ 75,829 $ 70,843

SUBORDINATED NOTES (Tables)

SUBORDINATED NOTES (Tables)	9 Months Ended
SUBORDINATED NOTES (Tables)	Sep. 30, 2024
SUBORDINATED NOTES
Summary of subordinated notes	September 30, 2024 December 31, 2023 (In Thousands) Subordinated notes $ 75,000 $ 75,000 Less: unamortized debt issuance costs 198 421 $ 74,802 $ 74,579

INCOME TAXES (Tables)

INCOME TAXES (Tables)	9 Months Ended
INCOME TAXES (Tables)	Sep. 30, 2024
INCOME TAXES
Schedule of reconciliations of the company's effective tax rates to the statutory corporate tax rates	Three Months Ended September 30, 2024 2023 Tax at statutory rate 21.0 % 21.0 % Nontaxable interest and dividends (0.4) (0.5) Tax credits (4.1) (2.8) State taxes 1.3 2.5 Other 0.2 1.3 18.0 % 21.5 % Nine Months Ended September 30, 2024 2023 Tax at statutory rate 21.0 % 21.0 % Nontaxable interest and dividends (0.5) (0.5) Tax credits (4.3) (2.5) State taxes 1.8 1.9 Other 0.5 0.9 18.5 % 20.8 %

DISCLOSURES ABOUT FAIR VALUE _2

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)	9 Months Ended
	Sep. 30, 2024
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Schedule of fair value measurements of assets recognized in the accompanying statements of financial condition measured at fair value on a recurring basis and the level within the fair value hierarchy in which the fair value measurements	Fair value measurements using Quoted prices in active markets Other Significant for identical observable unobservable assets inputs inputs Fair value (Level 1) (Level 2) (Level 3) (In Thousands) September 30, 2024 Available-for-sale securities Agency mortgage-backed securities $ 326,105 $ — $ 326,105 $ — Agency collateralized mortgage obligations 119,662 — 119,662 — States and political subdivisions securities 57,591 — 57,591 — Small Business Administration securities 61,867 — 61,867 — Interest rate derivative asset 6,313 — 6,313 — Interest rate derivative liability (14,784) — (14,784) — December 31, 2023 Available-for-sale securities Agency mortgage-backed securities $ 280,231 $ — $ 280,231 $ — Agency collateralized mortgage obligations 75,946 — 75,946 — States and political subdivisions securities 58,137 — 58,137 — Small Business Administration securities 63,893 — 63,893 — Interest rate derivative asset 8,205 — 8,205 — Interest rate derivative liability (25,336) — (25,336) —
Schedule of fair value measurements of assets measured at fair value on a nonrecurring basis	Fair Value Measurements Using Quoted prices in active markets Other Significant for identical observable unobservable assets inputs inputs Fair value (Level 1) (Level 2) (Level 3) (In Thousands) September 30, 2024 Collateral-dependent loans $ 6,419 $ — $ — $ 6,419 December 31, 2023 Collateral-dependent loans $ 7,372 $ — $ — $ 7,372
Schedule of estimated fair values of the Company's financial instruments not recorded at fair value on the statements of financial condition	September 30, 2024 December 31, 2023 Carrying Fair Hierarchy Carrying Fair Hierarchy Amount Value Level Amount Value Level (In Thousands) Financial assets Cash and cash equivalents $ 208,365 $ 208,365 1 $ 211,333 $ 211,333 1 Held-to-maturity securities 189,257 170,042 2 195,023 171,193 2 Mortgage loans held for sale 9,959 9,959 2 5,849 5,849 2 Loans, net of allowance for credit losses 4,711,276 4,548,245 3 4,589,620 4,402,314 3 Interest receivable 22,262 22,262 3 21,206 21,206 3 Investment in FHLBank stock and other assets 17,912 17,912 3 26,313 26,313 3 Financial liabilities Deposits 4,697,460 4,694,052 3 4,721,708 4,714,624 3 Short-term borrowings 518,075 518,075 3 323,453 323,453 3 Subordinated debentures 25,774 25,774 3 25,774 25,774 3 Subordinated notes 74,802 73,688 2 74,579 71,625 2 Interest payable 12,002 12,002 3 6,225 6,225 3 Unrecognized financial instruments (net of contractual value) Commitments to originate loans — — 3 — — 3 Letters of credit 71 71 3 78 78 3 Lines of credit — — 3 — — 3

DERIVATIVES AND HEDGING ACTIV_2

DERIVATIVES AND HEDGING ACTIVITIES (Tables)	9 Months Ended
DERIVATIVES AND HEDGING ACTIVITIES (Tables)	Sep. 30, 2024
DERIVATIVES AND HEDGING ACTIVITIES
Schedule of fair value of derivative Instruments and location in statements of financials	Location in Fair Value Consolidated Statements September 30, December 31, of Financial Condition 2024 2023 (In Thousands) Derivatives designated as hedging instruments Active interest rate swaps Accrued expenses and other liabilities $ 8,551 $ 17,296 Total derivatives designated as hedging instruments $ 8,551 $ 17,296 Derivatives not designated as hedging instruments Asset Derivatives Interest rate products Prepaid expenses and other assets $ 6,313 $ 8,205 Total derivatives not designated as hedging instruments $ 6,313 $ 8,205 Liability Derivatives Interest rate products Accrued expenses and other liabilities $ 6,233 $ 8,040 Total derivatives not designated as hedging instruments $ 6,233 $ 8,040
Schedule of effect of cash flow hedge accounting through accumulated other comprehensive income on statements of comprehensive income	Amount of Gain (Loss) Recognized in AOCI Three Months Ended September 30, Cash Flow Hedges 2024 2023 (In Thousands) Terminated interest rate swap, net of income taxes $ (1,580) $ (1,580) Active interest rate swaps, net of income taxes 9,571 (2,547) $ 7,991 $ (4,127) Amount of Gain (Loss) Recognized in AOCI Nine Months Ended September 30, Cash Flow Hedges 2024 2023 (In Thousands) Terminated interest rate swap, net of income taxes $ (4,706) $ (4,688) Active interest rate swaps, net of income taxes 6,595 (2,323) $ 1,889 $ (7,011)
Schedule of effect of cash flow hedge accounting on statements of operations	Three Months Ended September 30, Cash Flow Hedges 2024 2023 Interest Interest Interest Interest Income Expense Income Expense (In Thousands) Total Interest Income $ 83,796 $ — $ 75,272 $ — Total Interest Expense — 35,821 — 28,534 $ 83,796 $ 35,821 $ 75,272 $ 28,534 Terminated interest rate swap $ 2,047 $ — $ 2,047 $ — Active interest rate swaps (2,743) — (5,545) — $ (696) $ — $ (3,498) $ — Nine Months Ended September 30, Cash Flow Hedges 2024 2023 Interest Interest Interest Interest Income Expense Income Expense (In Thousands) Total Interest Income $ 242,113 $ — $ 220,353 $ — Total Interest Expense — 102,504 — 72,285 $ 242,113 $ 102,504 $ 220,353 $ 72,285 Terminated interest rate swap $ 6,120 $ — $ 6,076 $ — Active interest rate swaps (10,165) — (11,925) — $ (4,045) $ — $ (5,849) $ —

BASIS OF PRESENTATION (Details)

BASIS OF PRESENTATION (Details) - USD ($) $ in Thousands	9 Months Ended
BASIS OF PRESENTATION (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES
Accretion of deferred income, premiums, discounts and other	$ (10,461)	$ (10,454)
Prepaid expenses and other assets	3,977	(7,704)
Net cash provided by operating activities	34,278	66,885
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in tax credit partnerships	(11,997)	(26,780)
Net cash used in investing activities	$ (191,506)	(65,892)
As Previously Presented
CASH FLOWS FROM OPERATING ACTIVITIES
Accretion of deferred income, premiums, discounts and other		(4,379)
Prepaid expenses and other assets		(40,559)
Net cash provided by operating activities		40,105
CASH FLOWS FROM INVESTING ACTIVITIES
Net cash used in investing activities		(39,112)
Net Change
CASH FLOWS FROM OPERATING ACTIVITIES
Accretion of deferred income, premiums, discounts and other		(6,075)
Prepaid expenses and other assets		32,855
Net cash provided by operating activities		26,780
CASH FLOWS FROM INVESTING ACTIVITIES
Investment in tax credit partnerships		(26,780)
Net cash used in investing activities		$ (26,780)

RECENT ACCOUNTING PRONOUNCEME_2

RECENT ACCOUNTING PRONOUNCEMENTS (Details) - USD ($)	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 01, 2023	Dec. 31, 2022
Retained Earnings effect of ASU 2023-02 adoption	$ 612,090,000	$ 568,792,000	$ 571,829,000	$ 531,697,000	$ 546,329,000		$ 533,087,000
Retained Earnings
Retained Earnings effect of ASU 2023-02 adoption	593,422,000	$ 578,800,000	$ 569,872,000	$ 564,658,000	$ 558,927,000		$ 543,875,000
Accounting Standards Update 2023-02
Retained Earnings effect of ASU 2023-02 adoption	(223,000)
Accounting Standards Update 2023-02 \| Retained Earnings
Retained Earnings effect of ASU 2023-02 adoption	$ (223,000)					$ (223,000)

EARNINGS PER SHARE - Earnings P

EARNINGS PER SHARE - Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
EARNINGS PER SHARE
Average common shares outstanding (in shares)	11,656	11,935	11,688	12,055
Net income	$ 16,490	$ 15,879	$ 46,885	$ 54,655
Per common share amount	$ 1.41	$ 1.33	$ 4.01	$ 4.53
Average common shares outstanding (in shares)	11,656	11,935	11,688	12,055
Net effect of dilutive stock options - based on the treasury stock method using average market price (in shares)	63	42	58	49
Diluted common shares (in shares)	11,719	11,977	11,746	12,104
Net income	$ 16,490	$ 15,879	$ 46,885	$ 54,655
Per common share amount	$ 1.41	$ 1.33	$ 3.99	$ 4.52

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - shares	3 Months Ended		9 Months Ended
EARNINGS PER SHARE (Details) - shares	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
EARNINGS PER SHARE
Options to purchase shares of common stock outstanding not included in computation of diluted earnings per share because exercise price greater than average market price	712,403	758,129	712,403	675,768

INVESTMENT SECURITIES - Availab

INVESTMENT SECURITIES - Available for sale securities (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
AVAILABLE-FOR-SALE SECURITIES:
Amortized Cost	$ 603,877	$ 531,892
Gross Unrealized Gains	3,937	534
Gross Unrealized Losses	42,589	54,219
Fair Value	565,225	478,207
Agency mortgage-backed securities
AVAILABLE-FOR-SALE SECURITIES:
Amortized Cost	352,265	316,114
Gross Unrealized Gains	1,900	7
Gross Unrealized Losses	28,060	35,890
Fair Value	326,105	280,231
Agency collateralized mortgage obligations
AVAILABLE-FOR-SALE SECURITIES:
Amortized Cost	125,421	85,989
Gross Unrealized Gains	1,626
Gross Unrealized Losses	7,385	10,043
Fair Value	119,662	75,946
States and political subdivisions securities
AVAILABLE-FOR-SALE SECURITIES:
Amortized Cost	58,742	59,141
Gross Unrealized Gains	324	527
Gross Unrealized Losses	1,475	1,531
Fair Value	57,591	58,137
Small Business Administration securities
AVAILABLE-FOR-SALE SECURITIES:
Amortized Cost	67,449	70,648
Gross Unrealized Gains	87
Gross Unrealized Losses	5,669	6,755
Fair Value	$ 61,867	$ 63,893

INVESTMENT SECURITIES - Held to

INVESTMENT SECURITIES - Held to maturity securities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
HELD-TO-MATURITY SECURITIES:
Amortized Cost	$ 189,461	$ 195,088
Fair Value Adjustment	(204)	(65)
Amortized Carrying Value	189,257	195,023
Gross Unrealized Losses	19,215	23,830
Fair Value	170,042	171,193
Agency mortgage-backed securities
HELD-TO-MATURITY SECURITIES:
Amortized Cost	71,375	72,495
Fair Value Adjustment	2,005	2,436
Amortized Carrying Value	73,380	74,931
Gross Unrealized Losses	6,351	8,686
Fair Value	67,029	66,245
Agency collateralized mortgage obligations
HELD-TO-MATURITY SECURITIES:
Amortized Cost	111,936	116,405
Fair Value Adjustment	(2,220)	(2,502)
Amortized Carrying Value	109,716	113,903
Gross Unrealized Losses	12,327	14,662
Fair Value	97,389	99,241
States and political subdivisions
HELD-TO-MATURITY SECURITIES:
Amortized Cost	6,150	6,188
Fair Value Adjustment	11	1
Amortized Carrying Value	6,161	6,189
Gross Unrealized Losses	537	482
Fair Value	$ 5,624	$ 5,707

INVESTMENT SECURITIES - Investm

INVESTMENT SECURITIES - Investments classified by contractual maturity date (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Available-for-Sale - Amortized Cost
After two through three years	$ 245
After three through four years	977
After five through fifteen years	10,652
After fifteen years	46,868
Securities not due on a single maturity date	545,135
Available-for-sale securities, Amortized Cost, Total	603,877	$ 531,892
Available-for-Sale - Fair Value
After two through three years	245
After three through four years	995
After five through fifteen years	10,523
After fifteen years	45,828
Securities not due on a single maturity date	507,634
Available-for-sale securities, Fair Value, Total	565,225	478,207
Held-to-Maturity - Amortized Carrying Value
After five through fifteen years	3,246
After fifteen years	2,915
Securities not due on a single maturity date	183,096
Held-to-Maturity, Amortized Carrying Value, Total	189,257	195,023
Held-to-Maturity - Fair Value
After five through fifteen years	2,953
After fifteen years	2,671
Securities not due on a single maturity date	164,418
Held-to-maturity, Fair Value, Total	$ 170,042	$ 171,193

INVESTMENT SECURITIES - Fair va

INVESTMENT SECURITIES - Fair value and unrealized losses on investments (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
AVAILABLE-FOR-SALE SECURITIES:
Available-for-sale securities, Less than 12 Months, Fair Value	$ 5,133	$ 21,180
Available-for-sale Securities, Less than 12 Months, Unrealized Loss	(45)	(358)
Available-for-sale securities, 12 Months or More, Fair Value	427,737	435,747
Available-for-sale Securities,12 Months or Longer, Unrealized Loss	(42,544)	(53,861)
Available-for-sale securities, Fair Value	432,870	456,927
Available-for-sale securities, Unrealized Loss	(42,589)	(54,219)
HELD-TO-MATURITY SECURITIES:
Held-to-maturity securities, 12 Months or Longer, Fair Value	170,042	171,193
Held-to-maturity securities, 12 Months or Longer, Unrealized Losses	(19,215)	(23,830)
Held-to-maturity securities, Fair Value	170,042	171,193
Held-to-maturity securities, Unrealized Losses	(19,215)	(23,830)
Agency mortgage-backed securities.
AVAILABLE-FOR-SALE SECURITIES:
Available-for-sale securities, Less than 12 Months, Fair Value	3,784	4,318
Available-for-sale Securities, Less than 12 Months, Unrealized Loss	(34)	(9)
Available-for-sale securities, 12 Months or More, Fair Value	269,222	274,801
Available-for-sale Securities,12 Months or Longer, Unrealized Loss	(28,026)	(35,881)
Available-for-sale securities, Fair Value	273,006	279,119
Available-for-sale securities, Unrealized Loss	(28,060)	(35,890)
HELD-TO-MATURITY SECURITIES:
Held-to-maturity securities, 12 Months or Longer, Fair Value	67,030	66,245
Held-to-maturity securities, 12 Months or Longer, Unrealized Losses	(6,351)	(8,686)
Held-to-maturity securities, Fair Value	67,030	66,245
Held-to-maturity securities, Unrealized Losses	(6,351)	(8,686)
Agency collateralized mortgage obligations
AVAILABLE-FOR-SALE SECURITIES:
Available-for-sale securities, Less than 12 Months, Fair Value		9,080
Available-for-sale Securities, Less than 12 Months, Unrealized Loss		(216)
Available-for-sale securities, 12 Months or More, Fair Value	66,735	66,866
Available-for-sale Securities,12 Months or Longer, Unrealized Loss	(7,385)	(9,827)
Available-for-sale securities, Fair Value	66,735	75,946
Available-for-sale securities, Unrealized Loss	(7,385)	(10,043)
HELD-TO-MATURITY SECURITIES:
Held-to-maturity securities, 12 Months or Longer, Fair Value	97,389	99,241
Held-to-maturity securities, 12 Months or Longer, Unrealized Losses	(12,327)	(14,662)
Held-to-maturity securities, Fair Value	97,389	99,241
Held-to-maturity securities, Unrealized Losses	(12,327)	(14,662)
States and political subdivisions securities
AVAILABLE-FOR-SALE SECURITIES:
Available-for-sale securities, Less than 12 Months, Fair Value	1,349	7,782
Available-for-sale Securities, Less than 12 Months, Unrealized Loss	(11)	(133)
Available-for-sale securities, 12 Months or More, Fair Value	37,640	56,111
Available-for-sale Securities,12 Months or Longer, Unrealized Loss	(1,464)	(6,622)
Available-for-sale securities, Fair Value	38,989	63,893
Available-for-sale securities, Unrealized Loss	(1,475)	(6,755)
HELD-TO-MATURITY SECURITIES:
Held-to-maturity securities, 12 Months or Longer, Fair Value	5,623	5,707
Held-to-maturity securities, 12 Months or Longer, Unrealized Losses	(537)	(482)
Held-to-maturity securities, Fair Value	5,623	5,707
Held-to-maturity securities, Unrealized Losses	(537)	(482)
Small Business Administration securities
AVAILABLE-FOR-SALE SECURITIES:
Available-for-sale securities, 12 Months or More, Fair Value	54,140	37,969
Available-for-sale Securities,12 Months or Longer, Unrealized Loss	(5,669)	(1,531)
Available-for-sale securities, Fair Value	54,140	37,969
Available-for-sale securities, Unrealized Loss	$ (5,669)	$ (1,531)

INVESTMENT SECURITIES - Additio

INVESTMENT SECURITIES - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
INVESTMENT SECURITIES
Fair value of debt securities reported less than their historical cost	$ 432,900		$ 432,900		$ 456,900
Available sale of debt securities reported less than their historical cost percent of investment portfolio	76.60%		76.60%		95.50%
Amortized Carrying Value	$ 189,257		$ 189,257		$ 195,023
Total fair value of held-to-maturity	170,042		170,042		$ 171,193
Available for sale securities sold	0	$ 0	0	$ 0
Allowance for credit losses on securities	$ 0		$ 0

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Classes of loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	$ 4,781,953		$ 4,661,348
Allowance for credit losses	(64,915)	$ (65,255)	(64,670)	$ (64,753)	$ (64,852)	$ (63,480)
Deferred loan fees and gains, net	(5,762)		(7,058)
Loans receivable, net	$ 4,711,276		$ 4,589,620
Weighted average interest rate	6.30%		6.25%
One- to four-family residential construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	$ 27,643		$ 29,628
Subdivision construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	20,077		23,359
Land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	39,023		48,015
Commercial construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	334,299		703,407
Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	716,572		769,260
Non-owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	121,834		121,275
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	1,546,005		1,521,032
Other residential (multi-family)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	1,569,879		942,071
Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	227,037		318,050
Industrial revenue bonds
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	11,632		12,047
Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	25,870		28,343
Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	27,353		28,978
Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	$ 114,729		$ 115,883

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Classes of loans by aging (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	$ 4,781,953	$ 4,661,348
One- to four-family residential construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	27,643	29,628
Subdivision construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	20,077	23,359
Land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	39,023	48,015
Commercial construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	334,299	703,407
Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	716,572	769,260
Non-owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	121,834	121,275
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	1,546,005	1,521,032
Other residential (multi-family)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	1,569,879	942,071
Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	227,037	318,050
Industrial revenue bonds
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	11,632	12,047
Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	25,870	28,343
Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	27,353	28,978
Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	114,729	115,883
30-59 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	2,515	13,125
30-59 Days Past Due \| Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	143	2,778
30-59 Days Past Due \| Non-owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	636
30-59 Days Past Due \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class		187
30-59 Days Past Due \| Other residential (multi-family)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class		9,572
30-59 Days Past Due \| Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	18	116
30-59 Days Past Due \| Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	105	137
30-59 Days Past Due \| Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	1,613	335
60-89 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	85	308
60-89 Days Past Due \| Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	61	125
60-89 Days Past Due \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class		92
60-89 Days Past Due \| Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	4	65
60-89 Days Past Due \| Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	20
60-89 Days Past Due \| Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class		26
Over 90 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	7,483	11,748
Over 90 Days Past Due \| Land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	553	384
Over 90 Days Past Due \| Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	68	722
Over 90 Days Past Due \| Non-owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	525
Over 90 Days Past Due \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	6,102	10,552
Over 90 Days Past Due \| Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	139	31
Over 90 Days Past Due \| Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	12	8
Over 90 Days Past Due \| Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	84	42
Over 90 Days Past Due \| Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class		9
Total Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	10,083	25,181
Total Past Due \| Land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	553	384
Total Past Due \| Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	272	3,625
Total Past Due \| Non-owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	1,161
Total Past Due \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	6,102	10,831
Total Past Due \| Other residential (multi-family)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class		9,572
Total Past Due \| Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	139	31
Total Past Due \| Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	34	189
Total Past Due \| Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	209	179
Total Past Due \| Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	1,613	370
Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	4,771,870	4,636,167
Current \| One- to four-family residential construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	27,643	29,628
Current \| Subdivision construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	20,077	23,359
Current \| Land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	38,470	47,631
Current \| Commercial construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	334,299	703,407
Current \| Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	716,300	765,635
Current \| Non-owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	120,673	121,275
Current \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	1,539,903	1,510,201
Current \| Other residential (multi-family)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	1,569,879	932,499
Current \| Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	226,898	318,019
Current \| Industrial revenue bonds
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	11,632	12,047
Current \| Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	25,836	28,154
Current \| Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	27,144	28,799
Current \| Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Financing receivables by class	$ 113,116	$ 115,513

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Non-accruing loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total nonaccruing loans	$ 7,483	$ 11,748
Land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total nonaccruing loans	553	384
Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total nonaccruing loans	68	722
Non-owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total nonaccruing loans	525
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total nonaccruing loans	6,102	10,552
Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total nonaccruing loans	139	31
Consumer auto
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total nonaccruing loans	12	8
Consumer other
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total nonaccruing loans	$ 84	42
Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total nonaccruing loans		$ 9

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for credit losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	$ 65,255	$ 64,852	$ 64,670	$ 63,480
Provision (credit) charged to expense	1,200		1,700	1,500
Losses charged off	(1,731)	(498)	(2,707)	(1,440)
Recoveries	191	399	1,252	1,213
Balance at end of period	64,915	64,753	64,915	64,753
Allowance for unfunded commitment
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	7,010	10,371	7,487	12,816
Provision (credit) charged to expense	(63)	(1,195)	(540)	(3,640)
Balance at end of period	6,947	9,176	6,947	9,176
One- To Four-Family Residential and Construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	9,678	11,818	9,820	11,171
Provision (credit) charged to expense	(463)		(570)	647
Losses charged off			(65)	(31)
Recoveries	4	41	34	72
Balance at end of period	9,219	11,859	9,219	11,859
One- To Four-Family Residential and Construction \| Allowance for unfunded commitment
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	673	758	706	736
Provision (credit) charged to expense	(262)	146	(295)	168
Balance at end of period	411	904	411	904
Other Residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	13,886	13,189	13,370	12,110
Provision (credit) charged to expense	1,708		2,224	1,079
Balance at end of period	15,594	13,189	15,594	13,189
Other Residential \| Allowance for unfunded commitment
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	3,346	6,791	4,006	8,624
Provision (credit) charged to expense	(543)	(1,412)	(1,203)	(3,245)
Balance at end of period	2,803	5,379	2,803	5,379
Commercial Real Estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	29,469	25,508	28,171	27,096
Provision (credit) charged to expense	633		1,931	(1,590)
Losses charged off	(1,235)		(1,235)
Recoveries				2
Balance at end of period	28,867	25,508	28,867	25,508
Commercial Real Estate \| Allowance for unfunded commitment
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	646	464	619	416
Provision (credit) charged to expense	(19)	33	8	81
Balance at end of period	627	497	627	497
Commercial Construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	2,841	2,502	2,844	2,865
Provision (credit) charged to expense	(106)		(202)	(363)
Losses charged off			(101)
Recoveries			194
Balance at end of period	2,735	2,502	2,735	2,502
Commercial Construction \| Allowance for unfunded commitment
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	550	871	741	802
Provision (credit) charged to expense	(57)	108	(248)	177
Balance at end of period	493	979	493	979
Commercial Business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	5,677	7,827	6,935	5,822
Provision (credit) charged to expense	(930)		(2,526)	1,851
Losses charged off	(164)		(195)
Recoveries	17	28	386	182
Balance at end of period	4,600	7,855	4,600	7,855
Commercial Business \| Allowance for unfunded commitment
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	1,343	987	959	1,734
Provision (credit) charged to expense	801	(34)	1,185	(781)
Balance at end of period	2,144	953	2,144	953
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	3,704	4,008	3,530	4,416
Provision (credit) charged to expense	358		843	(124)
Losses charged off	(332)	(498)	(1,111)	(1,409)
Recoveries	170	330	638	957
Balance at end of period	3,900	3,840	3,900	3,840
Consumer \| Allowance for unfunded commitment
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance at beginning of period	452	500	456	504
Provision (credit) charged to expense	17	(36)	13	(40)
Balance at end of period	$ 469	$ 464	$ 469	$ 464

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Collateral dependent loans by class of loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Principal Balance	$ 12,586	$ 18,785
Specific Allowance	464	1,229
Land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Principal Balance	553	384
Owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Principal Balance	306	691
Specific Allowance	8	29
Non-owner occupied one- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Principal Balance	525
Specific Allowance	265
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Principal Balance	10,274	10,548
Specific Allowance		1,200
Other residential (multi-family)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Principal Balance		$ 7,162
Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Principal Balance	330
Specific Allowance	191
Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Principal Balance	$ 598

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Classes of loan portfolios (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	$ 8,814	$ 24,757
Interest Rate Reduction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications		5
Term Extension
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	2,800	2,834
Combination
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	6,014	21,918
Construction and land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications		1,553
Construction and land development \| Combination
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications		1,553
Other residential (multi-family)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	2,720	2,750
Other residential (multi-family) \| Term Extension
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	2,720	2,750
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	6,089	20,442
Commercial real estate \| Term Extension
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	75	77
Commercial real estate \| Combination
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	6,014	20,365
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	5	12
Consumer \| Interest Rate Reduction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications		5
Consumer \| Term Extension
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	$ 5	$ 7

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Performance of loans (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	$ 8,814	$ 24,757
Construction and land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications		1,553
Other residential (multi-family)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	2,720	2,750
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	6,089	20,442
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	5	12
Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	2,800	16,699
Current \| Construction and land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications		1,553
Current \| Other residential (multi-family)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	2,720	2,750
Current \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	75	12,384
Current \| Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	5	12
Over 90 Days Past Due
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	6,014	8,058
Over 90 Days Past Due \| Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan modifications	$ 6,014	$ 8,058

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Additional Information (Details) - USD ($)		3 Months Ended		9 Months Ended		12 Months Ended
	Jan. 01, 2021	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
TDR loans evaluated on individual	$ 100,000
Interest income		$ 0	$ 0	$ 0	$ 0
Non-accrual loans for no related allowance amortized cost				6,700,000		$ 792,000
Minimum loan balance required for collateral-dependent loans		100,000		100,000
Provision expense on its portfolio of outstanding loans		1,200,000	0	1,700,000	1,500,000
Provision for loan losses		$ 1,200,000		$ 1,700,000	1,500,000
Maximum percentage of concessions granted of their respective classes of loan portfolios		1%		1%
Consumer \| Principal forgiveness
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan paid during period			13,000		52,000
Consumer and land development \| Principal forgiveness
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loan paid during period		$ 20,000		$ 275,000
Allowance for unfunded commitment
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Provision for loan losses		$ (63,000)	$ (1,200,000)	$ (540,000)	$ (3,600,000)

LOANS AND ALLOWANCE FOR CRED_11

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans by category and risk rating separated by origination and loan class (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Total	$ 4,781,953	$ 4,661,348
Commercial real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	49,148	53,158
One Year Before	71,127	284,738
Two Years Before	351,065	237,822
Three Years Before	225,100	103,393
Four Years Before	96,327	161,834
Prior	719,219	644,811
Revolving Loans	34,019	35,276
Total	1,546,005	1,521,032
Current Period Gross Charge Offs
Two year Before	54
Prior	1,181
Total	1,235
Commercial real estate \| Satisfactory
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	49,148	53,158
One Year Before	71,127	284,738
Two Years Before	351,065	237,822
Three Years Before	225,014	103,393
Four Years Before	96,327	161,680
Prior	700,369	624,515
Revolving Loans	34,019	35,276
Total	1,527,069	1,500,582
Commercial real estate \| Watch
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Four Years Before		154
Prior	8,056	5,348
Total	8,056	5,502
Commercial real estate \| Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Prior	439	4,396
Total	439	4,396
Commercial real estate \| Classified
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Three Years Before	86
Prior	10,355	10,552
Total	10,441	10,552
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	14,272	16,629
One Year Before	10,857	12,055
Two Years Before	7,437	6,196
Three Years Before	3,208	2,817
Four Years Before	1,397	831
Prior	10,299	12,339
Revolving Loans	120,482	122,337
Total	167,952	173,204
Current Period Gross Charge Offs
Current Year	5	4
One Year Before	80	135
Two year Before	96	24
Three year Before	32	3
Four Year Before	4	18
Prior	855	1,493
Revolving Loans	41	77
Total	1,113	1,754
Consumer \| Satisfactory
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	14,270	16,629
One Year Before	10,844	12,010
Two Years Before	7,399	6,163
Three Years Before	3,186	2,811
Four Years Before	1,393	828
Prior	9,982	12,089
Revolving Loans	119,660	122,166
Total	166,734	172,696
Consumer \| Watch
LOANS AND ALLOWANCE FOR CREDIT LOSSES
One Year Before		3
Two Years Before	7	21
Three Years Before	16	6
Four Years Before	4	3
Prior	196	201
Revolving Loans	109	154
Total	332	388
Consumer \| Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Revolving Loans		8
Total		8
Consumer \| Classified
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	2
One Year Before	13	42
Two Years Before	31	12
Three Years Before	6
Prior	121	49
Revolving Loans	713	9
Total	886	112
Combined
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	229,617	302,681
One Year Before	345,886	1,275,272
Two Years Before	1,442,155	1,105,013
Three Years Before	1,026,780	430,496
Four Years Before	417,955	346,862
Prior	1,106,786	969,027
Revolving Loans	212,774	231,997
Total	4,781,953	4,661,348
Current Period Gross Charge Offs
Current Year	5	4
One Year Before	129	142
Two year Before	150	24
Three year Before	36	3
Four Year Before	31	18
Prior	2,316	2,534
Revolving Loans	41	97
Total	2,708	2,822
Combined \| Satisfactory
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	229,424	302,681
One Year Before	345,801	1,274,041
Two Years Before	1,439,766	1,100,593
Three Years Before	1,023,288	430,315
Four Years Before	417,209	346,534
Prior	1,083,184	926,576
Revolving Loans	209,399	226,496
Total	4,748,071	4,607,236
Combined \| Watch
LOANS AND ALLOWANCE FOR CREDIT LOSSES
One Year Before		3
Two Years Before	7	21
Three Years Before	16	6
Four Years Before	149	328
Prior	8,946	7,780
Revolving Loans	109	200
Total	9,227	8,338
Combined \| Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
One Year Before		1,186
Two Years Before	2,045	3,840
Three Years Before	3,384
Four Years Before	42
Prior	3,159	16,718
Revolving Loans	2,553	4,908
Total	11,183	26,652
Combined \| Classified
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	193
One Year Before	85	42
Two Years Before	337	559
Three Years Before	92	175
Four Years Before	555
Prior	11,497	17,953
Revolving Loans	713	393
Total	13,472	19,122
One- to four-family residential construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	7,079	12,528
One Year Before	11,566	9,878
Two Years Before	3,710	41
Three Years Before	44
Revolving Loans	5,244	7,181
Total	27,643	29,628
One- to four-family residential construction \| Satisfactory
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	7,079	12,528
One Year Before	11,566	9,878
Two Years Before	3,710	41
Three Years Before	44
Revolving Loans	5,244	7,181
Total	27,643	29,628
Subdivision construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	436	532
One Year Before	173	1,022
Two Years Before	809	21,333
Three Years Before	17,633	43
Four Years Before	30	64
Prior	222	365
Revolving Loans	774
Total	20,077	23,359
Subdivision construction \| Satisfactory
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	436	532
One Year Before	173	1,022
Two Years Before	809	21,333
Three Years Before	17,633	43
Four Years Before	30	64
Prior	222	365
Revolving Loans	774
Total	20,077	23,359
Construction and land development
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	13,178	14,860
One Year Before	7,455	12,564
Two Years Before	3,936	5,658
Three Years Before	5,153	3,682
Four Years Before	3,645	5,458
Prior	5,302	4,531
Revolving Loans	354	1,262
Total	39,023	48,015
Current Period Gross Charge Offs
Prior	101
Total	101
Construction and land development \| Satisfactory
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	13,178	14,860
One Year Before	7,455	12,564
Two Years Before	3,936	5,658
Three Years Before	5,153	3,682
Four Years Before	3,092	5,458
Prior	5,302	4,531
Revolving Loans	354	878
Total	38,470	47,631
Construction and land development \| Classified
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Four Years Before	553
Revolving Loans		384
Total	553	384
Other construction
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	41,729	60,895
One Year Before	54,931	422,727
Two Years Before	205,478	203,918
Three Years Before	32,161	15,867
Total	334,299	703,407
Other construction \| Satisfactory
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	41,729	60,895
One Year Before	54,931	422,727
Two Years Before	205,478	203,918
Three Years Before	32,161	15,867
Total	334,299	703,407
One- to four-family residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	27,701	66,733
One Year Before	63,266	330,489
Two Years Before	310,344	204,324
Three Years Before	180,197	108,380
Four Years Before	95,973	60,459
Prior	160,466	119,621
Revolving Loans	459	529
Total	838,406	890,535
Current Period Gross Charge Offs
One Year Before	49
Prior	15	11
Revolving Loans		20
Total	64	31
One- to four-family residential \| Satisfactory
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	27,701	66,733
One Year Before	63,194	330,489
Two Years Before	310,038	203,781
Three Years Before	180,197	108,232
Four Years Before	95,828	60,288
Prior	158,900	118,570
Revolving Loans	459	483
Total	836,317	888,576
One- to four-family residential \| Watch
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Four Years Before	145	171
Prior	684	862
Revolving Loans		46
Total	829	1,079
One- to four-family residential \| Classified
LOANS AND ALLOWANCE FOR CREDIT LOSSES
One Year Before	72
Two Years Before	306	543
Three Years Before		148
Prior	882	189
Total	1,260	880
Other residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	61,801	18,795
One Year Before	91,470	108,389
Two Years Before	497,174	391,516
Three Years Before	538,574	180,916
Four Years Before	212,321	108,173
Prior	165,137	130,947
Revolving Loans	3,402	3,335
Total	1,569,879	942,071
Other residential \| Satisfactory
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	61,801	18,795
One Year Before	91,470	108,389
Two Years Before	497,174	391,516
Three Years Before	538,574	180,916
Four Years Before	212,321	108,173
Prior	162,417	111,462
Revolving Loans	3,402	3,335
Total	1,567,159	922,586
Other residential \| Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Prior	2,720	12,322
Total	2,720	12,322
Other residential \| Classified
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Prior		7,163
Total		7,163
Commercial business
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	14,273	58,551
One Year Before	35,041	93,410
Two Years Before	62,202	34,205
Three Years Before	24,710	15,398
Four Years Before	8,262	10,043
Prior	46,141	56,413
Revolving Loans	48,040	62,077
Total	238,669	330,097
Current Period Gross Charge Offs
One Year Before		7
Three year Before	4
Four Year Before	27
Prior	164	1,030
Total	195	1,037
Commercial business \| Satisfactory
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	14,082	58,551
One Year Before	35,041	92,224
Two Years Before	60,157	30,361
Three Years Before	21,326	15,371
Four Years Before	8,218	10,043
Prior	45,992	55,044
Revolving Loans	45,487	57,177
Total	230,303	318,771
Commercial business \| Watch
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Prior	10	1,369
Total	10	1,369
Commercial business \| Special Mention
LOANS AND ALLOWANCE FOR CREDIT LOSSES
One Year Before		1,186
Two Years Before	2,045	3,840
Three Years Before	3,384
Four Years Before	42
Revolving Loans	2,553	4,900
Total	8,024	9,926
Commercial business \| Classified
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Current Year	191
Two Years Before		4
Three Years Before		27
Four Years Before	2
Prior	139
Total	$ 332	$ 31

INVESTMENTS IN LIMITED PARTNE_2

INVESTMENTS IN LIMITED PARTNERSHIPS (Details) $ in Millions	3 Months Ended		9 Months Ended		12 Months Ended
INVESTMENTS IN LIMITED PARTNERSHIPS (Details) $ in Millions	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) item	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($) item
INVESTMENTS IN LIMITED PARTNERSHIPS
Number of investments in affordable housing partnerships \| item			23		22
Investments in affordable housing partnerships carrying value, net			$ 101.2		$ 66.3
Federal affordable housing tax credits	$ 108.9		108.9
Expected amortization of investments in affordable housing partnerships	98.2		98.2
Usage of federal affordable housing tax credits	2.8	$ 1.9	8.4	$ 5.7
Actual amortization of investments in affordable housing partnerships	$ 2.5	$ 1.7	$ 7.6	$ 5.2

INVESTMENTS IN LIMITED PARTNE_3

INVESTMENTS IN LIMITED PARTNERSHIPS - Investments in Community Development Entities and Investments in Limited Partnerships for Federal Rehabilitation/Historic Tax Credits (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
INVESTMENTS IN LIMITED PARTNERSHIPS
Investments in community development entities net carrying amount	$ 224,000		$ 224,000		$ 361,000
Credit allowance period			7 years
Community development entities, minimum period before redemption			7 years
Usage of investment in community development entities federal new market tax credits	30,000	$ 25,000	$ 90,000	$ 75,000
Actual amortization of investment in community development entities	25,000	21,000	50,000	62,000
Investments in limited partnerships for federal or historic tax credits	64,000		$ 64,000		$ 415,000
Credit allowance period for federal rehabilitation/historic tax credits			5 years
Federal rehabilitation/historic tax credits	76,000	64,000	$ 228,000	193,000
Investment amortization	$ 64,000	$ 53,000	$ 191,000	$ 160,000
For the First three years
INVESTMENTS IN LIMITED PARTNERSHIPS
Percentage of investments on credit allowance period			5%
For the next four years
INVESTMENTS IN LIMITED PARTNERSHIPS
Percentage of investments on credit allowance period			6%
Accounting Standards Update 2023-02
INVESTMENTS IN LIMITED PARTNERSHIPS
Reduction in retained earnings due to investments in community Development Entities			$ 62,000
Reduction in retained earnings due to investments in limited partnerships for historic tax credits			$ 161,000

OTHER REAL ESTATE OWNED AND R_3

OTHER REAL ESTATE OWNED AND REPOSSESSIONS - Major classifications of other real estate owned (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Total foreclosed assets held for sale and repossessions	$ 263	$ 23
Other real estate owned not acquired through foreclosure	0	0
Other real estate owned and repossessions	263	23
One- to four-family residential
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Total foreclosed assets held for sale and repossessions	0	0
Commercial construction
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Total foreclosed assets held for sale and repossessions	0	0
Commercial real estate
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Total foreclosed assets held for sale and repossessions	230	0
Land development
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Total foreclosed assets held for sale and repossessions	0	0
One- to four-family construction
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Total foreclosed assets held for sale and repossessions	0	0
Subdivision construction
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Total foreclosed assets held for sale and repossessions	0	0
Other residential
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Total foreclosed assets held for sale and repossessions	0	0
Commercial business
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Total foreclosed assets held for sale and repossessions	0	0
Consumer
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Total foreclosed assets held for sale and repossessions	$ 33	$ 23

OTHER REAL ESTATE OWNED AND R_4

OTHER REAL ESTATE OWNED AND REPOSSESSIONS (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Residential mortgage
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Mortgage loans in process of foreclosure, amount	$ 0	$ 0

OTHER REAL ESTATE OWNED AND R_5

OTHER REAL ESTATE OWNED AND REPOSSESSIONS - Expenses applicable to other real estate owned and repossessions (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
OTHER REAL ESTATE OWNED AND REPOSSESSIONS
Net (gains) on sales of other real estate owned and repossessions	$ (459)	$ (22)	$ (491)	$ (41)
Valuation write-downs				82
Operating expenses, net of rental income	(77)	84	301	222
Expenses on other real estate owned and repossessions	$ (536)	$ 62	$ (190)	$ 263

PREMISES AND EQUIPMENT - Proper

PREMISES AND EQUIPMENT - Property, Plant and Equipment (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
PREMISES AND EQUIPMENT
Land	$ 39,269	$ 39,617
Buildings and improvements	107,358	107,602
Furniture, fixtures and equipment	69,403	70,162
Operating leases right of use asset	$ 6,650	$ 6,621
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Prepaid Expense and Other Assets	Prepaid Expense and Other Assets
Premises and equipment, gross	$ 222,680	$ 224,002
Less: accumulated depreciation	89,369	85,411
Total premises and equipment	$ 133,311	$ 138,591

PREMISES AND EQUIPMENT - Additi

PREMISES AND EQUIPMENT - Additional information (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023	Dec. 31, 2019
PREMISES AND EQUIPMENT
Operating leases right of use asset	$ 6,650,000		$ 6,650,000		$ 6,621,000
Operating leases liability	$ 6,878,000		$ 6,878,000		$ 6,870,000
Weighted-average lease term	7 years 1 month 6 days		7 years 1 month 6 days
Operating lease, weighted average discount rate, percent	4.03%		4.03%
Operating lease, expense	$ 408,000	$ 446,000	$ 1,303,000	$ 1,289,000
Lease expense related to ATMs	87,000	84,000	258,000	234,000
Income recognized from lessor agreements	$ 303,000	$ 326,000	$ 984,000	$ 975,000
Minimum
PREMISES AND EQUIPMENT
Lessee expected lease terms			P2Y9M18D
Maximum
PREMISES AND EQUIPMENT
Lessee expected lease terms			P14Y2M12D
ASU 2016-02 \| Adjustment
PREMISES AND EQUIPMENT
Operating leases right of use asset						$ 9,500,000

PREMISES AND EQUIPMENT - Statem

PREMISES AND EQUIPMENT - Statement of financial information (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Statement of Financial Condition
Operating leases right of use asset	$ 6,650,000		$ 6,650,000		$ 6,621,000
Operating leases liability	6,878,000		6,878,000		$ 6,870,000
Statement of Income
Operating lease costs classified as occupancy and equipment expense (includes short-term lease costs and amortization of right of use asset)	408,000	$ 446,000	1,303,000	$ 1,289,000
Supplemental Cash Flow Information
Operating cash flows from operating leases	$ 404,000	$ 439,000	1,282,000	1,234,000
Operating leases			$ 814,000	$ 296,000

PREMISES AND EQUIPMENT - Future

PREMISES AND EQUIPMENT - Future expected lease payments for leases (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Future expected lease payments
2024	$ 382
2025	1,313
2026	1,338
2027	1,289
2028	1,019
2029	663
Thereafter	1,988
Future lease payments expected	7,992
Less: interest portion of lease payments	(1,114)
Lease liability	$ 6,878	$ 6,870

DEPOSITS (Details)

DEPOSITS (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
DEPOSITS (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
DEPOSITS
Non-interest-bearing demand deposits	$ 856,727	$ 895,496
Interest-bearing demand and savings deposits (weighted average rate 1.62% and 1.67%)	2,236,140	2,216,482
Demand deposit accounts, total	3,092,867	3,111,978
Time deposits	794,207	948,202
Interest-bearing domestic deposits, brokered	810,386	661,528
Total Deposits	$ 4,697,460	$ 4,721,708
Interest-Bearing Deposits
DEPOSITS
Weighted average rate on interest-bearing demand and savings deposits	1.62%	1.67%
Brokered deposits
DEPOSITS
Interest-bearing domestic deposits, brokered	$ 810,386	$ 661,528
Weighted average rate on brokered deposits	4.91%	5.20%
0.00% - 0.99%
DEPOSITS
Time deposits	$ 58,853	$ 86,831
0.00% - 0.99% \| Minimum
DEPOSITS
Weighted average interest rate on certificates of deposit	0%
0.00% - 0.99% \| Maximum
DEPOSITS
Weighted average interest rate on certificates of deposit	0.99%
1.00% - 1.99%
DEPOSITS
Time deposits	$ 65,675	22,485
1.00% - 1.99% \| Minimum
DEPOSITS
Weighted average interest rate on certificates of deposit	1%
1.00% - 1.99% \| Maximum
DEPOSITS
Weighted average interest rate on certificates of deposit	1.99%
2.00% - 2.99%
DEPOSITS
Time deposits	$ 8,557	44,354
2.00% - 2.99% \| Minimum
DEPOSITS
Weighted average interest rate on certificates of deposit	2%
2.00% - 2.99% \| Maximum
DEPOSITS
Weighted average interest rate on certificates of deposit	2.99%
3.00% - 3.99%
DEPOSITS
Time deposits	$ 74,442	46,304
3.00% - 3.99% \| Minimum
DEPOSITS
Weighted average interest rate on certificates of deposit	3%
3.00% - 3.99% \| Maximum
DEPOSITS
Weighted average interest rate on certificates of deposit	3.99%
4.00% - 4.99%
DEPOSITS
Time deposits	$ 584,425	739,645
4.00% - 4.99% \| Minimum
DEPOSITS
Weighted average interest rate on certificates of deposit	4%
4.00% - 4.99% \| Maximum
DEPOSITS
Weighted average interest rate on certificates of deposit	4.99%
5% and above
DEPOSITS
Time deposits	$ 2,255	$ 8,583
Weighted average interest rate on certificates of deposit	5%

DEPOSITS- Additional informatio

DEPOSITS- Additional information (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
DEPOSITS
Interest-bearing domestic deposits, brokered	$ 810,386	$ 661,528
Brokered deposits that had fixed rates of interest	$ 185,000
Percentage of deposit liability uninsured	32%
Unaffiliated entities
DEPOSITS
Percentage of deposit liability uninsured	14%
IntraFi Financial Network
DEPOSITS
Interest-bearing domestic deposits, brokered	$ 300,000	$ 300,000

ADVANCES FROM FEDERAL HOME LO_2

ADVANCES FROM FEDERAL HOME LOAN BANK (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ADVANCES FROM FEDERAL HOME LOAN BANK
Outstanding term advances from Federal Home Loan Bank	$ 0	$ 0

SECURITIES SOLD UNDER REVERSE_3

SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS - Schedule of Short-term Debt (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Short-Term Borrowings
Notes payable - Community Development Equity Funds	$ 1,246	$ 1,610
Securities sold under reverse repurchase agreements	75,829	70,843
Short Term Borrowings From Federal Reserve Bank	180,000
Overnight borrowings from the Federal Home Loan Bank	261,000	251,000
Short-term debt recorded value	518,075	$ 323,453
Asset pledged as collateral \| Federal Reserve Bank Advances
Short-Term Borrowings
Assets pledged	$ 189,500
Federal Reserve Bank Advances
Short-Term Borrowings
Debt Instrument Interest Rate Stated Percentage	4.83%

SECURITIES SOLD UNDER REVERSE_4

SECURITIES SOLD UNDER REVERSE REPURCHASE AGREEMENTS AND SHORT-TERM BORROWINGS - Schedule of Repurchase Agreements (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Overnight and Continuous \| Agency mortgage-backed securities
Transfer of Certain Financial Assets Accounted for as Secured Borrowings
Mortgage-backed securities - GNMA, FNMA, FHLMC	$ 75,829	$ 70,843

SUBORDINATED NOTES (Details)

SUBORDINATED NOTES (Details) - USD ($)		3 Months Ended		9 Months Ended
SUBORDINATED NOTES (Details) - USD ($)	Jun. 10, 2020	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
SUBORDINATED NOTES
Public offering and sale of subordinated notes	$ 75,000,000
Subordinated note interest rate	5.50%
Amortization of the debt issuance costs		$ 74,000	$ 74,000	$ 223,000	$ 223,000
Subordinated borrowing, interest rate		5.91%		5.91%
Senior Subordinated Notes
SUBORDINATED NOTES
Spread on variable rate, plus 3 months SOFR	5.325%
Proceeds from issuance of senior long-term debt	$ 73,500,000
Payment of financing and stock issuance costs	$ 1,500,000
Expected life of the notes	5 years

SUBORDINATED NOTES - Subordinat

SUBORDINATED NOTES - Subordinated borrowing (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
SUBORDINATED NOTES
Subordinated notes	$ 75,000	$ 75,000
Less: unamortized debt issuance costs	198	421
Total subordinated notes	$ 74,802	$ 74,579

INCOME TAXES - Effective income

INCOME TAXES - Effective income tax rate reconciliation (Details) - item	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
INCOME TAXES
Tax at statutory rate	21%	21%	21%	21%
Nontaxable interest and dividends	(0.40%)	(0.50%)	(0.50%)	(0.50%)
Tax credits	(4.10%)	(2.80%)	(4.30%)	(2.50%)
State taxes	1.30%	2.50%	1.80%	1.90%
Other	0.20%	1.30%	0.50%	0.90%
Effective income tax rate reconciliation, percent, Total	18%	21.50%	18.50%	20.80%
State and Local Jurisdiction
INCOME TAXES
Number Of Pending Audits	0		0

DISCLOSURES ABOUT FAIR VALUE _3

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS - Fair value, assets measured on recurring basis (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Agency mortgage-backed securities
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	$ 326,105	$ 280,231
Agency collateralized mortgage obligations
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	119,662	75,946
States and political subdivisions securities
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	57,591	58,137
Small Business Administration securities
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	61,867	63,893
Interest rate derivative asset
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	6,313	8,205
Interest rate derivative liability
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Liabilities fair value	(14,784)	(25,336)
Level 2 \| Agency mortgage-backed securities
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	326,105	280,231
Level 2 \| Agency collateralized mortgage obligations
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	119,662	75,946
Level 2 \| States and political subdivisions securities
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	57,591	58,137
Level 2 \| Small Business Administration securities
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	61,867	63,893
Level 2 \| Interest rate derivative asset
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Assets fair value	6,313	8,205
Level 2 \| Interest rate derivative liability
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Liabilities fair value	(14,784)	(25,336)
Level 3
Fair value of recurring basis and the level within the fair value hierarchy in which the fair value measurements
Available-for-Sale Securities	$ 0	$ 0

DISCLOSURES ABOUT FAIR VALUE _4

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS - Fair value measurements of assets measured at fair value on a nonrecurring basis (Details) - Collateral-dependent loans - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Nonrecurring Measurements
Fair value measurement of assets	$ 6,419	$ 7,372
Level 3
Nonrecurring Measurements
Fair value measurement of assets	$ 6,419	$ 7,372

DISCLOSURES ABOUT FAIR VALUE _5

DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS - Schedule of financial instruments fair value (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Subordinated debentures
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 25,774	$ 25,774
Fair Value	$ 25,774	$ 25,774
Hierarchy Level	3	3
Subordinated notes
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 74,802	$ 74,579
Fair Value	$ 73,688	$ 71,625
Hierarchy Level	2	2
Deposits
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 4,697,460	$ 4,721,708
Fair Value	$ 4,694,052	$ 4,714,624
Hierarchy Level	3	3
Short-term Debt
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 518,075	$ 323,453
Fair Value	$ 518,075	$ 323,453
Hierarchy Level	3	3
Unrecognized financial instruments (net of contractual value) \| Commitments to originate loans
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Hierarchy Level	3	3
Unrecognized financial instruments (net of contractual value) \| Letters of credit
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 71	$ 78
Fair Value	$ 71	$ 78
Hierarchy Level	3	3
Unrecognized financial instruments (net of contractual value) \| Lines of credit
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Hierarchy Level	3	3
Interest payable
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 12,002	$ 6,225
Fair Value	$ 12,002	$ 6,225
Hierarchy Level	3	3
Loans, net of allowance for credit losses
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 4,711,276	$ 4,589,620
Fair Value	$ 4,548,245	$ 4,402,314
Hierarchy Level	3	3
Cash and cash equivalents
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 208,365	$ 211,333
Fair Value	$ 208,365	$ 211,333
Hierarchy Level	1	1
Held-to-maturity securities
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 189,257	$ 195,023
Fair Value	$ 170,042	$ 171,193
Hierarchy Level	2	2
Mortgage loans held for sale
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 9,959	$ 5,849
Fair Value	$ 9,959	$ 5,849
Hierarchy Level	2	2
Interest Receivable
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 22,262	$ 21,206
Fair Value	$ 22,262	$ 21,206
Hierarchy Level	3	3
Investment in FHLB stock and other assets
DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS
Carrying Amount	$ 17,912	$ 26,313
Fair Value	$ 17,912	$ 26,313
Hierarchy Level	3	3

DERIVATIVES AND HEDGING ACTIV_3

DERIVATIVES AND HEDGING ACTIVITIES - Non-designated Hedges and Fair value hedges (Details)	1 Months Ended	3 Months Ended		9 Months Ended
	Jan. 31, 2024 USD ($)	Sep. 30, 2024 USD ($) contract loan	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) contract loan	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($) loan	Feb. 28, 2023 USD ($)
Nondesignated Hedges
DERIVATIVES AND HEDGING ACTIVITIES
Gains (losses) on fair value hedges recognized in earnings		$ (37,000)	$ 55,000	$ (57,000)	$ (234,000)
Nondesignated Hedges \| Commercial customers
DERIVATIVES AND HEDGING ACTIVITIES
Total notional amount of the swaps		68,000,000		68,000,000		$ 82,200,000
Interest rate contract \| Nondesignated Hedges \| Third parties
DERIVATIVES AND HEDGING ACTIVITIES
Total notional amount of the swaps		$ 68,000,000		$ 68,000,000		$ 82,200,000
Interest rate swaps \| Nondesignated Hedges
DERIVATIVES AND HEDGING ACTIVITIES
Number of participation loans purchased \| loan		1		1		1
Participating mortgage loans, mortgage obligations amount		$ 8,500,000		$ 8,500,000		$ 8,600,000
Interest rate swaps \| Nondesignated Hedges \| Third parties
DERIVATIVES AND HEDGING ACTIVITIES
Number of interest rate derivatives held \| contract		4		4
Interest rate swaps \| Nondesignated Hedges \| Commercial customers
DERIVATIVES AND HEDGING ACTIVITIES
Number of interest rate derivatives held \| contract		4		4
Interest rate swaps \| Fair Value Hedges
DERIVATIVES AND HEDGING ACTIVITIES
Total notional amount of the swaps							$ 95,000,000
Fixed rate of interest							4.65%
Net settled payment	$ 26,500
Brokered deposit	$ 163,000

DERIVATIVES AND HEDGING ACTIV_4

DERIVATIVES AND HEDGING ACTIVITIES - Cash Flow Hedges (Details) - USD ($)	1 Months Ended	3 Months Ended		9 Months Ended
	Mar. 31, 2020	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Feb. 28, 2023	Jul. 31, 2022	Mar. 31, 2022	Oct. 31, 2018
DERIVATIVES AND HEDGING ACTIVITIES
USD-Prime rate				8%
USD-SOFR OIS rate				5.16334%
Non-interest income related to changes in the fair value		$ 0	$ 0	$ 0	$ 0
Interest rate swaps \| Cash flow hedges
DERIVATIVES AND HEDGING ACTIVITIES
Total notional amount of the swaps								$ 300,000,000	$ 400,000,000
Derivative, fixed interest rate								1.6725%	3.018%
Terminated notional amount of derivatives	$ 400,000,000
Expected interest income on termination	$ 45,900,000
Loan interest income on terminated interest rate swap		2,000,000	2,000,000	6,100,000	6,100,000
Terminated interest rate swap			2,800,000	1,900,000	7,500,000
Interest rate swaps \| Fair Value Hedges
DERIVATIVES AND HEDGING ACTIVITIES
Total notional amount of the swaps						$ 95,000,000
Derivative, fixed interest rate						4.65%
Interest rate swap one \| Cash flow hedges
DERIVATIVES AND HEDGING ACTIVITIES
Derivative, fixed interest rate							2.628%
Interest rate swap two \| Cash flow hedges
DERIVATIVES AND HEDGING ACTIVITIES
Total notional amount of the swaps							$ 200,000,000
Derivative, fixed interest rate							5.725%
July 2022 interest rate swaps \| Cash flow hedges
DERIVATIVES AND HEDGING ACTIVITIES
Loan interest income expense		$ 2,700,000	$ 2,700,000	$ 8,300,000	$ 4,400,000

DERIVATIVES AND HEDGING ACTIV_5

DERIVATIVES AND HEDGING ACTIVITIES - Fair value and location (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Derivatives designated as hedging instruments
Total derivatives designated as hedging instruments, Liabilities	$ 8,551	$ 17,296
Derivatives not designated as hedging instruments
Total derivatives not designated as hedging instruments, Assets	6,313	8,205
Total derivatives not designated as hedging instruments, Liabilities	6,233	8,040
Active interest rate swaps \| Accrued expenses and other liabilities
Derivatives designated as hedging instruments
Total derivatives designated as hedging instruments, Liabilities	8,551	17,296
Interest rate products \| Prepaid expenses and other current assets
Derivatives not designated as hedging instruments
Total derivatives not designated as hedging instruments, Assets	6,313	8,205
Interest rate products \| Accrued expenses and other liabilities
Derivatives not designated as hedging instruments
Total derivatives not designated as hedging instruments, Liabilities	$ 6,233	$ 8,040

DERIVATIVES AND HEDGING ACTIV_6

DERIVATIVES AND HEDGING ACTIVITIES - Cash Flow Hedge on Comprehensive Income (Details) - Amount of Gain (Loss) Recognized in AOCI - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
DERIVATIVES AND HEDGING ACTIVITIES
Interest rate swaps, net of income taxes	$ 7,991	$ (4,127)	$ 1,889	$ (7,011)
Terminated interest rate swap, net of income taxes
DERIVATIVES AND HEDGING ACTIVITIES
Interest rate swaps, net of income taxes	(1,580)	(1,580)	(4,706)	(4,688)
Active interest rate swap, net of income taxes
DERIVATIVES AND HEDGING ACTIVITIES
Interest rate swaps, net of income taxes	$ 9,571	$ (2,547)	$ 6,595	$ (2,323)

DERIVATIVES AND HEDGING ACTIV_7

DERIVATIVES AND HEDGING ACTIVITIES - Cash Flow Hedge on Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
DERIVATIVES AND HEDGING ACTIVITIES
Total Interest Income	$ 83,796	$ 75,272	$ 242,113	$ 220,353
Interest Income
DERIVATIVES AND HEDGING ACTIVITIES
Total Interest Income	83,796	75,272	242,113	220,353
Interest rate swaps, net of income taxes	(696)	(3,498)	(4,045)	(5,849)
Interest Income \| Terminated interest rate swap, net of income taxes
DERIVATIVES AND HEDGING ACTIVITIES
Interest rate swaps, net of income taxes	2,047	2,047	6,120	6,076
Interest Income \| Active interest rate swap, net of income taxes
DERIVATIVES AND HEDGING ACTIVITIES
Interest rate swaps, net of income taxes	(2,743)	(5,545)	(10,165)	(11,925)
Interest Expense
DERIVATIVES AND HEDGING ACTIVITIES
Total Interest Expense	$ 35,821	$ 28,534	$ 102,504	$ 72,285

DERIVATIVES AND HEDGING ACTIV_8

DERIVATIVES AND HEDGING ACTIVITIES - Agreements with Derivative Counterparties (Details) - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Loan level swaps
DERIVATIVES AND HEDGING ACTIVITIES
Derivative counterparties collateral	$ 2,700,000	$ 11,600,000
Commercial lending swaps
DERIVATIVES AND HEDGING ACTIVITIES
Derivative counterparties collateral	6,400,000	8,200,000
Interest rate swaps
DERIVATIVES AND HEDGING ACTIVITIES
Derivative counterparties collateral	9,400,000	19,200,000
Swaps related to brokered deposits
DERIVATIVES AND HEDGING ACTIVITIES
Collateral from the Company		44,000
Net asset position \| Balance sheet hedge
DERIVATIVES AND HEDGING ACTIVITIES
Termination value of derivatives with derivative dealer counterparties	$ 80,000	$ 137,000