SOUTHSIDE BANCSHARES INC, 10-K filed on 2/27/2026
Annual Report
v3.25.4
DOCUMENT AND ENTITY INFORMATION - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2025
Feb. 24, 2026
Jun. 30, 2025
Document Information [Line Items]      
Document Type 10-K    
Document Annual Report true    
Document Period End Date Dec. 31, 2025    
Current Fiscal Year End Date --12-31    
Document Transition Report false    
Document Fiscal Year Focus 2025    
Document Fiscal Period Focus FY    
Entity File Number 001-42396    
Entity Registrant Name SOUTHSIDE BANCSHARES, INC.    
Entity Incorporation, State or Country Code TX    
Entity Central Index Key 0000705432    
Entity Tax Identification Number 75-1848732    
Entity Address, Address Line One 1201 S. Beckham Avenue,    
Entity Address, City or Town Tyler,    
Entity Address, State or Province TX    
Entity Address, Postal Zip Code 75701    
City Area Code 903    
Local Phone Number 531-7111    
Amendment Flag false    
Entity Well-known Seasoned Issuer Yes    
Entity Voluntary Filers No    
Entity Current Reporting Status Yes    
Entity Interactive Data Current Yes    
Entity Filer Category Large Accelerated Filer    
Entity Small Business false    
Entity Emerging Growth Company false    
ICFR Auditor Attestation Flag true    
Document Financial Statement Error Correction false    
Entity Shell Company false    
Entity Public Float     $ 837.3
Entity Common Stock Shares Outstanding (in shares)   29,735,507  
Documents Incorporated by Reference
Certain portions of the Registrant’s proxy statement to be filed for the Company’s Annual Meeting of Shareholders to be held on May 14, 2026 are incorporated by reference into Part III of this Annual Report on Form 10-K.  Other than those portions of the proxy statement specifically incorporated by reference pursuant to Items 10-14 of Part III hereof, no other portions of the proxy statement shall be deemed so incorporated herein.
    
NEW YORK STOCK EXCHANGE, INC.      
Document Information [Line Items]      
Title of 12(b) Security Common Stock, $1.25 par value    
Security Exchange Name NYSE    
Trading Symbol SBSI    
Trading Symbol SBSI    
NYSE Texas      
Document Information [Line Items]      
Title of 12(b) Security Common Stock, $1.25 par value    
Security Exchange Name CHX    
Trading Symbol SBSI    
Trading Symbol SBSI    
v3.25.4
AUDIT INFORMATION
 12 Months Ended
Dec. 31, 2025
Audit Information [Abstract]  
Auditor Name Ernst & Young LLP
Auditor Location Dallas, Texas
Auditor Firm ID 42
v3.25.4
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
ASSETS    
Cash and due from banks $ 81,080 $ 91,409
Interest earning deposits 302,906 281,945
Federal funds sold 5,800 52,807
Total cash and cash equivalents 389,786 426,161
Securities AFS, at estimated fair value (amortized cost of $1,456,986 and $1,587,416, respectively) 1,456,219 1,533,894
Securities HTM (estimated fair value of $1,103,304 and $1,113,482, respectively) 1,247,477 1,279,234
FHLB stock, at cost 14,062 33,818
Equity investments 9,574 9,467
Loans held for sale 1,332 1,946
Loans:    
Loans 4,817,991 4,661,597
Less:  Allowance for loan losses (45,100) (44,884)
Net loans 4,772,891 4,616,713
Premises and equipment, net 152,293 141,648
Operating lease ROU assets 12,398 13,860
Goodwill 201,116 201,116
Other intangible assets, net 1,012 1,754
Interest receivable 41,809 46,724
Deferred tax asset, net 27,059 34,492
BOLI 145,125 138,313
Other assets 42,437 38,308
Total assets 8,514,590 8,517,448
Deposits:    
Noninterest bearing 1,433,129 1,357,152
Interest bearing 5,432,030 5,297,096
Total deposits 6,865,159 6,654,248
Other borrowings 208,657 76,443
FHLB borrowings 211,136 731,909
Subordinated notes, net of unamortized debt issuance costs [1] 239,678 92,042
Trust preferred subordinated debentures, net of unamortized debt issuance costs 60,279 60,274
Operating lease liabilities 14,335 15,779
Other liabilities 67,731 74,811
Total liabilities 7,666,975 7,705,506
Off-balance-sheet arrangements, commitments and contingencies (Note 17)
Shareholders’ equity:    
Common stock:  ($1.25 par value, 80,000,000 shares authorized, 38,110,078 shares issued at December 31, 2025 and 38,077,992 shares issued at December 31, 2024) 47,638 47,598
Paid-in capital 795,759 793,586
Retained earnings 352,193 326,793
Treasury stock: (shares at cost, 8,387,077 at December 31, 2025 and 7,699,182 at December 31, 2024) (252,358) (231,137)
AOCI (95,617) (124,898)
Total shareholders’ equity 847,615 811,942
Total liabilities and shareholders’ equity $ 8,514,590 $ 8,517,448
[1] This debt consists of subordinated notes with a remaining maturity greater than one year that qualify under the risk-based capital guidelines as Tier 2 capital, subject to certain limitations.
v3.25.4
CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
AVAILABLE FOR SALE:    
Amortized Cost $ 1,456,986 $ 1,587,416
Held to maturity    
Securities held to maturity, fair value $ 1,103,304 $ 1,113,482
Stockholders' equity    
Common Stock, Par or Stated Value Per Share (in dollars per share) $ 1.25 $ 1.25
Common Stock, Authorized (in shares) 80,000,000 80,000,000
Common Stock, Issued (in shares) 38,110,078 38,077,992
Treasury Stock, (in shares) 8,387,077 7,699,182
v3.25.4
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Interest income:      
Loans $ 275,621 $ 279,371 $ 244,803
Taxable investment securities 22,981 28,075 31,186
Tax-exempt investment securities 31,597 40,469 54,629
MBS 57,230 45,222 19,450
FHLB stock and equity investments 1,822 2,079 1,185
Other interest earning assets 13,823 19,120 8,488
Total interest and dividend income 403,074 414,336 359,741
Interest expense:      
Deposits 151,177 153,657 108,157
FHLB borrowings 13,679 24,450 6,777
Subordinated notes 8,208 3,774 3,920
Trust preferred subordinated debentures 4,034 4,621 4,504
Other borrowings 4,892 11,707 21,356
Total interest expense 181,990 198,209 144,714
Net interest income 221,084 216,127 215,027
Provision for (reversal of) credit losses 3,053 3,346 9,154
Net interest income after provision for credit losses 218,031 212,781 205,873
Noninterest income:      
Deposit services 24,438 24,425 25,497
Net gain (loss) on sale of securities available for sale (32,270) (2,510) (15,976)
Net gain on sale of equity securities 0 0 5,058
Gain (loss) on sale of loans 440 37 563
Trust fees 7,873 6,193 5,910
BOLI 3,637 4,256 5,823
Brokerage services 4,859 4,217 3,305
Other noninterest income 6,979 5,115 5,654
Total noninterest income 15,956 41,733 35,834
Noninterest expense:      
Salaries and employee benefits 90,273 90,290 85,625
Net occupancy 14,501 14,354 14,694
Advertising, travel & entertainment 3,928 3,363 4,093
ATM expense 1,546 1,483 1,351
Professional fees 5,715 5,080 5,351
Software and data processing 11,495 11,598 9,395
Communications 1,319 1,602 1,469
FDIC insurance 3,759 3,790 3,558
Amortization of intangibles 742 1,171 1,697
Other 18,079 14,406 13,345
Total noninterest expense 151,357 147,137 140,578
Income before income tax expense 82,630 107,377 101,129
Income tax expense 13,410 18,883 14,437
Net income $ 69,220 $ 88,494 $ 86,692
Earnings per common share - basic (in dollars per share) $ 2.30 $ 2.92 $ 2.82
Earnings per common share - diluted (in dollars per share) 2.29 2.91 2.82
Cash dividends paid per common share $ 1.44 $ 1.44 $ 1.42
v3.25.4
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Statement of Comprehensive Income [Abstract]      
Net income $ 69,220 $ 88,494 $ 86,692
Securities AFS and transferred securities:      
Change in unrealized holding gain (loss) on AFS securities during the period 4,917 (16,686) 28,782
Reclassification adjustment for amortization related to AFS and HTM debt securities 8,241 8,227 8,004
Reclassification adjustment for net (gain) loss on sale of AFS securities, included in net income 32,270 2,510 15,976
Derivatives:      
Change in net unrealized gain (loss) on effective cash flow hedge interest rate swap derivatives (2,313) 13,814 1,222
Reclassification adjustment of net (gain) loss related to derivatives designated as cash flow hedges (7,924) (22,042) (24,544)
Retirement plans:      
Amortization of net actuarial loss, included in net periodic benefit cost 2,459 629 756
Effect of settlement recognition (192) 0 (16)
Change in net actuarial gain (loss) (394) (928) 192
Other comprehensive income (loss), before tax 37,064 (14,476) 30,372
Income tax (expense) benefit related to items of other comprehensive income (loss) (7,783) 3,040 (6,378)
Other comprehensive income (loss), net of tax 29,281 (11,436) 23,994
Comprehensive income (loss) $ 98,501 $ 77,058 $ 110,686
v3.25.4
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY - USD ($)
$ in Thousands
Total
Common  Stock
Paid In  Capital
Retained  Earnings
Treasury  Stock
Accumulated Other Comprehensive Income (Loss)
Beginning balance, net of tax at Dec. 31, 2022 $ 745,997 $ 47,501 $ 784,545 $ 239,610 $ (188,203) $ (137,456)
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income 86,692     86,692    
Other comprehensive income (loss) 23,994         23,994
Issuance of common stock for dividend reinvestment plan 1,224 49 1,175      
Purchase of common stock (45,074)       (45,074)  
Stock compensation expense 3,552   3,552      
Net issuance of common stock under employee stock plan 485 0 (432) (365) 1,282  
Cash dividends paid on common stock (43,582)     (43,582)    
Ending balance, net of tax at Dec. 31, 2023 773,288 47,550 788,840 282,355 (231,995) (113,462)
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income 88,494     88,494    
Other comprehensive income (loss) (11,436)         (11,436)
Issuance of common stock for dividend reinvestment plan 1,160 48 1,112      
Purchase of common stock (1,505)       (1,505)  
Stock compensation expense 3,523   3,523      
Net issuance of common stock under employee stock plan 2,048 0 111 (426) 2,363  
Cash dividends paid on common stock (43,630)     (43,630)    
Ending balance, net of tax at Dec. 31, 2024 811,942 47,598 793,586 326,793 (231,137) (124,898)
Increase (Decrease) in Stockholders' Equity [Roll Forward]            
Net income 69,220     69,220    
Other comprehensive income (loss) 29,281         29,281
Issuance of common stock for dividend reinvestment plan 954 40 914      
Purchase of common stock (23,366)       (23,366)  
Stock compensation expense 3,046   3,046      
Net issuance of common stock under employee stock plan (91) 0 (1,787) (449) 2,145  
Cash dividends paid on common stock (43,371)     (43,371)    
Ending balance, net of tax at Dec. 31, 2025 $ 847,615 $ 47,638 $ 795,759 $ 352,193 $ (252,358) $ (95,617)
v3.25.4
CONSOLIDATED STATEMENTS OF CHANGES IN EQUITY (Parenthetical) - $ / shares
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Statement of Stockholders' Equity [Abstract]      
Issuance of common stock for dividend reinvestment plan (in shares) 32,086 38,286 38,884
Common Stock purchased (in shares) 820,931 57,966 1,435,193
Net issuance of common stock under employee stock plan (in shares) 133,036 149,060 99,109
Cash dividends paid on common stock (in dollars per share) $ 1.44 $ 1.44 $ 1.42
v3.25.4
CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
OPERATING ACTIVITIES      
Net income $ 69,220 $ 88,494 $ 86,692
Adjustments to reconcile net income to net cash provided by operations:      
Depreciation and net amortization 10,610 10,459 10,577
Securities premium amortization (discount accretion), net 8,471 7,273 4,523
Loan (discount accretion) premium amortization, net 949 916 400
Provision for (reversal of) credit losses 3,053 3,346 9,154
Stock compensation expense 3,046 3,523 3,552
Deferred tax expense (benefit) (351) (1,026) (2,110)
Net (gain) loss on sale of AFS securities 32,270 2,510 15,976
Net gain on sale of equity securities 0 0 (5,058)
Loss on impairment of investments 0 868 0
Net loss on premises and equipment 1,758 160 342
Gross proceeds from sales of loans held for sale 17,140 18,602 17,161
Gross originations of loans held for sale (16,526) (17,646) (19,295)
Net (gain) loss on consumer receivables 0 412 0
Net (gain) loss on OREO 109 95 (61)
(Gain on purchase) loss on redemption of subordinated notes 0 (178) (587)
Net change in:      
Interest receivable 4,915 3,765 (1,139)
Other assets 8,190 (70,759) 37,874
Interest payable 3,440 (437) 7,422
Other liabilities (52,477) 51,472 (85,559)
Net cash provided by (used in) operating activities 93,817 101,849 79,864
Securities AFS:      
Purchases (967,713) (1,187,908) (2,046,010)
Sales 544,174 135,614 1,125,414
Maturities, calls and principal repayments 516,212 797,171 960,614
Securities HTM:      
Maturities, calls and principal repayments 35,103 31,079 22,563
Proceeds from sales of equity securities 0 0 6,679
Proceeds from redemption of FHLB stock and equity investments 39,564 78,244 36,919
Purchases of FHLB stock and equity investments (19,915) (99,902) (39,796)
Net loan paydowns (originations) (158,986) (138,085) (388,304)
Proceeds from sales of customer receivables 0 7,600 0
Purchases of premises and equipment (20,338) (11,162) (6,904)
Proceeds from (purchases of) BOLI (3,147) 4,035 951
Proceeds from sales of premises and equipment 322 20 430
Net proceeds from sales of OREO 273 278 203
Proceeds from sales of repossessed assets 230 160 168
Net cash provided by (used in) investing activities (34,221) (382,856) (327,073)
FINANCING ACTIVITIES:      
Net change in deposits 210,850 104,506 351,551
Net change in other borrowings 132,214 (433,377) 288,667
Proceeds from FHLB borrowings 3,756,000 8,143,952 2,019,000
Repayment of FHLB borrowings (4,276,773) (7,624,691) (1,959,710)
Net proceeds from issuance of subordinated notes 147,428 0 0
Purchase/redemption of subordinated notes 0 (1,805) (4,365)
Proceeds from stock option exercises 693 2,624 1,082
Cash paid to tax authority related to tax withholding on share-based awards (784) (576) (597)
Purchase of common stock (23,182) (1,505) (44,803)
Proceeds from the issuance of common stock for dividend reinvestment plan 954 1,160 1,224
Cash dividends paid (43,371) (43,630) (43,582)
Net cash provided by (used in) financing activities (95,971) 146,658 608,467
Net increase (decrease) in cash and cash equivalents (36,375) (134,349) 361,258
Cash and cash equivalents at beginning of period 426,161 560,510 199,252
Cash and cash equivalents at end of period 389,786 426,161 560,510
SUPPLEMENTAL DISCLOSURES FOR CASH FLOW INFORMATION:      
Interest paid 178,550 198,646 137,292
Income taxes paid 12,952 15,750 15,750
SUPPLEMENTAL DISCLOSURES OF NONCASH INVESTING AND FINANCING ACTIVITIES:      
Loans transferred to other repossessed assets and real estate through foreclosure 441 850 226
Loans transferred from held for investment to held for sale $ 0 $ 0 $ 8,093
v3.25.4
SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES
 12 Months Ended
Dec. 31, 2025
Accounting Policies [Abstract]  
SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES
Organization.  Southside Bancshares, Inc., incorporated in Texas in 1982, is a bank holding company for Southside Bank, a Texas state bank headquartered in Tyler, Texas that was formed in 1960.  We operate through 53 branches, 12 of which are located in grocery stores. We consider our primary market areas to be East Texas, Southeast Texas, as well as the greater Dallas-Fort Worth, Austin and Houston, Texas areas.  We are a community-focused financial institution that offers a full range of financial services to individuals, businesses, municipal entities and nonprofit organizations in the communities that we serve.  These services include consumer and commercial loans, deposit accounts, wealth management and trust services, brokerage services and safe deposit services.
Basis of Presentation and Consolidation. The consolidated financial statements are prepared in conformity with U.S. GAAP and include the accounts of Southside Bancshares, Inc., and its wholly-owned subsidiary, Southside Bank, and the nonbank subsidiaries.  All significant intercompany accounts and transactions are eliminated in consolidation.  
We determine if we have a controlling financial interest in an entity by first evaluating whether the entity is a voting interest entity or a VIE under GAAP. Voting interest entities are entities in which the total equity investment at risk is sufficient to enable the entity to finance itself independently and provides the equity holders with the obligation to absorb losses, the right to receive residual returns and the right to make decisions about the entity’s activities. We consolidate voting interest entities in which we have all, or at least a majority of, the voting interest. As defined in applicable accounting standards, VIEs are entities that lack one or more of the characteristics of a voting interest entity. A controlling financial interest in a VIE is present when an enterprise has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. The enterprise with a controlling financial interest, known as the primary beneficiary, consolidates the VIE.
Accounting Changes and Reclassifications. Certain prior period amounts may be reclassified to conform to current period presentation.
Use of Estimates.  In preparing consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and reported amounts of revenues and expenses during the reporting period.  These estimates are subjective in nature and involve matters of judgment.  Actual results could differ from these estimates.  Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for credit losses.  The status of contingencies are particularly subject to change.
Segment Information.  Operating segments are components of a business about which separate financial information is available and that are evaluated regularly by the chief operating decision maker in deciding how to allocate resources and assess performance. Our chief operating decision maker uses consolidated results to make operating and strategic decisions. Therefore, we have determined that our business is conducted in one reportable segment. Further information on our segment reporting is included in “Note 19 – Segment Reporting.”
Cash Equivalents.  Cash equivalents, for purposes of reporting cash flow, include cash, amounts due from banks and federal funds sold that have an initial maturity of less than 90 days.  We maintain deposits with other institutions in amounts that exceed federal deposit insurance coverage.  Management regularly evaluates the credit risk associated with the counterparties to these transactions and believes that we are not exposed to any significant credit risks on cash and cash equivalents.
Basic and Diluted Earnings per Common Share.  Basic earnings per common share is calculated based on the two-class method in accordance with ASC Topic 260, “Earnings Per Share.” ASC 260 provides that unvested share-based payment awards that contain nonforfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and shall be included in the calculation of earnings per share pursuant to the two-class method. We have determined that our director’s deferred RSUs are participating securities.
Under the two-class method, basic earnings per common share is calculated by dividing net income available to common shareholders by the weighted-average number of common shares outstanding during the period, excluding outstanding participating securities. Diluted earnings per common share is calculated using the weighted-average number of shares determined for the basic earnings per common share calculation plus the dilutive effect of stock awards using the treasury stock method.  A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in “Note 2 – Earnings Per Share.”
Comprehensive Income.  Comprehensive income includes all changes in shareholders’ equity during a period, except those resulting from transactions with shareholders.  Besides net income, other components of comprehensive income include the
after tax effect of changes in the fair value of AFS securities, changes in the net unrealized loss on securities transferred to/from HTM, changes in the accumulated gain or loss on effective cash flow hedging instruments and changes in the funded status of defined benefit retirement plans.  Comprehensive income is reported in the accompanying consolidated statements of comprehensive income and in “Note 3 – Accumulated Other Comprehensive Income (Loss).”
Loans.  Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at amortized cost. Amortized cost consists of the outstanding principal balance adjusted for any charge-offs and any unamortized origination fees and unamortized premiums or discounts on purchased loans. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the life of the loan.  A loan is considered impaired, based on current information and events, if it is probable that we will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Substantially all of our individually evaluated loans are collateral-dependent, and as such, are measured for expected credit losses based on the fair value of the collateral, less estimated cost to sell.
Loans Held For Sale.  Loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value, as determined by aggregate outstanding commitments from investors or current investor yield requirements.  Net unrealized losses are recognized through a valuation allowance by charges to income. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold.
From time to time, certain commercial real estate loans are held for sale which are carried at the lower of cost or fair value.
Loan Fees.  We treat loan fees, net of direct costs, as an adjustment to the yield of the related loan over its term.
Allowance for Credit Losses – Loans.  In accordance with ASC 326, the allowance for credit losses on loans is estimated and recognized upon origination of the loan based on expected credit losses. The CECL model uses historical experience and current conditions for homogeneous pools of loans, and reasonable and supportable forecasts about future events. The impact of varying economic conditions and portfolio stress factors are a component of the credit loss models applied to each portfolio. Reserve factors are specific to the loan segments that share similar risk characteristics based on the probability of default assumptions and loss given default assumptions, over the contractual term. The forecasted periods gradually mean-revert the economic inputs to their long-run historical trends. Management evaluates the economic data points used in the Moody’s forecasting scenarios on a quarterly basis to determine the most appropriate impact to the various portfolio characteristics based on management’s view and applies weighting to various forecasting scenarios as deemed appropriate based on known and expected economic activities. Management also considers and may apply relevant qualitative factors, not previously considered, to determine the appropriate allowance level. The use of the CECL model includes significant judgment by management and may differ from those of our peers due to different historical loss patterns, economic forecasts, and the length of time of the reasonable and supportable forecast period and reversion period.
We utilize Moody’s Analytics economic forecast scenarios and assign probability weighting to those scenarios which best reflect management’s views on the economic forecast. The probability weighting and scenarios utilized for the estimate of the allowance were generally reflective of continued economic and repricing uncertainty, as based on known and knowable information as of December 31, 2025.
When determining the appropriate allowance for credit losses on our loan portfolio, our commercial construction and real estate loans, commercial loans and municipal loans utilize the probability of default/loss given default discounted cash flow approach. Reserves on these loans are based upon risk factors including the loan type and structure, collateral type, leverage ratio, refinancing risk and origination quality, among others. Our consumer construction real estate loans, 1-4 family residential loans and our loans to individuals use a loss rate based upon risk factors including loan types, origination year and credit scores.
Loans evaluated collectively in a pool are monitored to ensure they continue to exhibit similar risk characteristics with other loans in the pool. If a loan does not share similar risk characteristics with other loans, expected credit losses for that loan are evaluated individually.
When assessing for credit losses from period to period, the change may be indicative of changes in the estimates of timing or the amount of future cash flows, based on the probability of economic forecast scenarios applied, as well as the passage of time. We have elected to report the entire change in present value as provision for credit losses.
When using the discounted cash flow method to determine the allowance for credit losses, management does not adjust the effective interest rate used to discount expected cash flows to incorporate expected prepayments, but rather applies separate prepayment factors.
Accrued Interest. Accrued interest for our loans and debt securities, included in interest receivable on our consolidated balance sheets, is excluded from the estimate of allowance for credit losses.
Nonaccrual Assets and Loan Charge-offs. Nonaccrual assets include financial assets 90 days or more delinquent and full collection of both principal and interest is not expected.  Financial instruments that are not delinquent or that are delinquent less
than 90 days may be placed on nonaccrual status if it is probable that we will not receive contractual principal or interest. When an asset is categorized as nonaccrual, the accrual of interest is discontinued and any accrued balance is reversed for financial statement purposes. Payments received on nonaccrual assets are applied to the outstanding principal balance. Payments of contractual interest are recognized as income only to the extent that full recovery of the principal balance is reasonably certain.  Assets are returned to accrual status when all payments contractually due are brought current and future payments are reasonably assured.  
Industry and our own experience indicate that a portion of our loans will become delinquent and a portion of our loans will require partial or full charge-off.  Regardless of the underwriting criteria utilized, losses may occur as a result of various factors beyond our control, including, among other things, changes in market conditions affecting the value of properties used as collateral for loans and problems affecting the credit worthiness of the borrower and the ability of the borrower to make payments on the loan. We charge-off loans when deemed uncollectible. Our policy is to charge-off or partially charge-off a retail credit after it is 120 days past due. Charge-offs on commercial credits are determined on a case-by-case basis when a credit loss has been determined.
Restructured Loans. A loan is considered restructured if the borrower is experiencing financial difficulties and the loan has been modified. Modifications may include interest rate reductions or below market interest rates, restructuring amortization schedules and other actions intended to minimize potential losses. We may provide a combination of modifications which may include an extension of the amortization period, interest rate reduction and/or converting the loan to interest-only for a limited period of time. In most instances, interest will continue to be charged on principal balances outstanding during the extended term.
OREO and Foreclosed Assets.  OREO includes real estate acquired in full or partial settlement of loan obligations.  OREO is initially carried at the fair value of the collateral net of estimated selling costs.  Prior to foreclosure, the recorded amount of the loan is written down, if necessary, to the appraised fair value of the real estate to be acquired, less selling costs, by charging the allowance for loan losses.  Any subsequent reduction in fair value net of estimated selling costs is charged to noninterest expense. Costs of maintaining and operating foreclosed properties are expensed as incurred and included in other expense in our income statement.  Expenditures to complete or improve foreclosed properties are capitalized only if expected to be recovered; otherwise, they are expensed.
Other foreclosed assets are held for sale and are initially recorded at fair value less estimated selling costs at the date of foreclosure, by charging the allowance for loan losses. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less costs to sell. Foreclosed assets are included in other assets in the accompanying consolidated balance sheets. Expenses from operations and changes in the valuation allowance are included in noninterest expense.
Securities.  AFS.  Debt securities that will be held for indefinite periods of time, including securities that may be sold in response to changes in market interest or prepayment rates, needs for liquidity or changes in the availability of and the yield on alternative investments are classified as AFS.  These assets are carried at fair value with unrealized gains and losses, not related to credit losses, reported as a separate component of AOCI, net of tax.  Fair value is determined using quoted market prices as of the close of business on the balance sheet date.  If quoted market prices are not available, fair values are based on quoted market prices for similar securities or estimates from independent pricing services. AFS securities hedged with qualifying derivatives are carried at fair value with the change in the fair value on both the hedged instrument and the securities recorded in interest income in the consolidated statements of income.
Gains and losses on the sale of securities are recorded in the month of the trade date and are determined using the specific identification method.
HTM. Debt securities that management has the positive intent and ability to hold until maturity are classified as HTM and are carried at their amortized cost which includes the remaining unpaid principal balance, net of unamortized premiums or unaccreted discounts. Our HTM securities are presented on the consolidated balance sheets net of allowance for credit losses, if any. As of December 31, 2025, there was a $25,000 allowance for credit losses on our HTM securities portfolio.
Premiums and Discounts. Premiums and discounts on debt securities are generally amortized over the contractual life of the security, except for MBS where prepayments are anticipated and for callable debt securities whose premiums are amortized to the earliest call date in accordance with ASC 310. The amortization of purchased premium or discount is included in interest income on our consolidated statements of income. Premiums on debt securities are amortized to the earliest call date.
Allowance for Credit Losses – AFS Securities. In accordance with ASC 326, for AFS debt securities in an unrealized loss position where management (i) has the intent to sell or (ii) where it will more-likely-than-not be required to sell the security before the recovery of its amortized cost basis, we recognize the loss in earnings. For those AFS debt securities in an unrealized loss position that do not meet either of these criteria, management assesses whether the decline in fair value has resulted from credit losses or other factors. Management assesses the financial condition and near-term prospects of the issuer,
industry and/or geographic conditions, credit ratings as well as other indicators at the individual security level. If a credit loss is determined to exist, the present value of discounted cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of discounted cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit loss is recorded, limited by the amount that the fair value is less than the amortized cost. Any impairment that is not recorded through an allowance for credit losses is recognized in other comprehensive income. Any future changes in the allowance for credit losses is recorded as provision for (reversal of) credit losses.
Allowance for Credit Losses – HTM Securities. In accordance with ASC 326, expected credit losses on HTM securities are measured on a collective basis by major security type, when similar risk characteristics exist. Risk characteristics for segmenting HTM debt securities include issuer, maturity, coupon rate, yield, payment frequency, source of repayment, bond payment structure, and embedded options. Upon assignment of the risk characteristics to the major security types, management may further evaluate the qualitative factors associated with these securities to determine the expectation of credit losses, if any.
The major security types within our HTM portfolio include residential and commercial MBS, state and political subdivisions and corporate securities.
Our state and political subdivisions include highly-rated municipal securities with a long history of no credit losses. Our investment policy prohibits bond purchases with a rating less than BAA and limits our entity concentration. We utilize term structures and due to no prior loss exposure on our state and political subdivision securities, we apply third-party average data to model our securities to represent the portion of the asset that would be lost if the issuer were to default. These third-party estimates of recoveries and defaults, adjusted for constant probability over the securities expected life, are used to evaluate the expected loss of the securities. Due to the limited number and the nature of the HTM state and political subdivisions we hold, we do not model these securities as a pool, but on the specific identification method in conjunction with the application of our third-party fair value measurement.
Our residential and commercial MBS are issued and/or guaranteed by U.S. government agencies or GSEs and are collateralized by pools of single- or multi-family mortgages. Our MBS are highly rated securities with a long history of no credit losses which are either explicitly or implicitly backed by the U.S. government agencies, which guarantee the payment of principal and interest to investors. Management has collectively evaluated the characteristics of these securities and has assumed an expectation of zero credit loss.
Our corporate bonds and other investment securities consist of primarily investment grade bonds and private placement bonds with a long history of no credit losses.
We reevaluate the characteristics of our major security types at every reporting period and reassess the considerations to continue to support our expectation of credit loss.
Equity Investments. Equity investments with readily determinable fair values are stated at fair value with the unrealized gains and losses reported in other noninterest income in the consolidated statements of income. Equity investments without readily determinable fair values are recorded at cost less impairment, if any.
Securities with Limited Marketability. Securities with limited marketability, such as stock in the FHLB, are carried at cost, which is a reasonable estimate of the fair value of those assets and are assessed for other-than-temporary impairment.
Premises and Equipment.  Land is carried at cost. Bank premises and equipment are stated at cost, net of accumulated depreciation.  Depreciation is computed on a straight line basis over the estimated useful lives of the related assets.  Useful lives are estimated to be 15 to 40 years for premises and 3 to 10 years for equipment.  Leasehold improvements are generally depreciated over the lesser of the term of the respective leases or the estimated useful lives of the improvements.  Maintenance and repairs are charged to expense as incurred while major improvements and replacements are capitalized.
Leases. We evaluate our contracts at inception to determine if an arrangement is or contains a lease. Operating leases are included in operating lease ROU assets and operating lease liabilities in our consolidated balance sheets. Our operating leases relate primarily to bank branches and office space. The Company has no finance leases. Short-term leases, leases with an initial term of 12 months or less and do not contain a purchase option that is likely to be exercised, are not recorded on the balance sheet.
ROU assets represent our right to use an underlying asset for the lease term, and lease liabilities represent our obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of the future lease payments over the lease term. Our leases do not provide an implicit rate, so we use our incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. The incremental borrowing rate is reevaluated upon lease modification. The operating lease ROU asset also includes any initial direct costs and prepaid lease payments made less any lease incentives. Our lease terms may include options to extend or terminate the lease when it is reasonably certain that we will exercise that option.
BOLI.  The Company has purchased life insurance policies on certain key executives and officers. BOLI is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Changes in the net cash surrender value of the policies, as well as insurance proceeds received are reflected in noninterest income on the consolidated statements of income and are not subject to income taxes.
Goodwill and Other Intangibles.  Other intangible assets consist primarily of core deposits and trust relationship intangibles. Intangible assets with definite useful lives are amortized on an accelerated basis over their estimated life. Goodwill and intangible assets that have indefinite useful lives are subject to at least an annual impairment test and more frequently if a triggering event occurs. If any such impairment is determined, a write-down is recorded.
We have selected October 1 of each year as the measurement date on which we will complete our annual goodwill impairment assessment. We may first assess qualitative factors to determine whether it is necessary to perform the quantitative analysis. We performed a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. The qualitative factors considered include, but are not limited to, macroeconomic and State of Texas economic conditions, industry and market conditions and trends, the Company’s financial performance, market capitalization, stock price, control premium analysis and any Company-specific events relevant to the assessment. If the assessment of qualitative factors indicates that it is not more likely than not that an impairment exists, no further testing is required; otherwise an impairment test is performed. For the year ended December 31, 2025, the Company’s goodwill impairment evaluation, based on its qualitative assessment, indicated there was no impairment.  As a result, we did not record any goodwill impairment for the years ended December 31, 2025 or 2024, and we had no cumulative goodwill impairment.
At December 31, 2025, core deposit intangible and trust relationship intangible was $232,000 and $780,000, respectively. For the years ended December 31, 2025, 2024 and 2023, amortization expense related to our core deposit intangible and trust relationship intangible was $742,000, $1.2 million and $1.7 million, respectively.
Repurchase Agreements.  We sell certain securities under agreements to repurchase.  The agreements are treated as collateralized financing transactions and the obligations to repurchase securities sold are reflected as a liability in the accompanying consolidated balance sheets.  The dollar amount of the securities underlying the agreements remains in the asset account.  We determine the type of debt securities to pledge which may include investment securities and U.S. agency MBS.
Derivative Financial Instruments and Hedging Activities. Derivative financial instruments are carried on the consolidated balance sheets as other assets or other liabilities, as applicable, at estimated fair value, and the net change in each of these financial statement line items in the accompanying consolidated statements of cash flows. The accounting for changes in the fair value (i.e., gains or losses) of a derivative financial instrument is determined by whether it has been designated and qualifies as part of a hedging relationship and, further, by the type of hedging relationship. We present derivative financial instruments at fair value in the consolidated balance sheets on a net basis when a right of offset exists, based on transactions with a single counterparty and any cash collateral paid to and/or received from that counterparty for derivative contracts that are subject to legally enforceable master netting arrangements.
For derivative instruments that are designated and qualify as cash flow hedges (i.e., hedging the exposure to variability in expected future cash flows that is attributable to a particular risk), the effective portion of the gain or loss on the derivative instrument is reported as a component of AOCI and reclassified to interest expense in the same periods that the hedged cash flows impact earnings. Gains and losses on derivative instruments designated as fair value hedges, as well as the change in the fair value on the hedged item, are recorded in interest income in the consolidated statements of income. Gains and losses due to changes in the fair value of the interest rate swap agreements offset changes in the fair value of the hedged portion of the hedged item. For derivative instruments not designated as hedging instruments, the gain or loss is recognized in current earnings during the period of change. Cash flows from the settlement of derivatives, including those designated in hedge accounting relationships, are reflected in the Consolidated Statements of Cash Flows in the same categories as the cash flows from the items being hedged.
For derivatives designated as hedging instruments at inception, statistical regression analysis is used at inception and for each reporting period thereafter to assess whether the derivative used has been and is expected to be highly effective in offsetting changes in the fair value or cash flows of the hedged item. All components of each derivative instrument’s gain or loss are included in the assessment of hedge effectiveness. Net hedge ineffectiveness is recorded in interest income on the consolidated statements of income.
Terminated Derivative Financial Instruments. In accordance with ASC Topic 815, if a hedging item is terminated prior to maturity for a cash settlement, the existing gain or loss within AOCI will continue to be reclassified into earnings during the period or periods in which the hedged forecasted transaction affects earnings unless it is probable that the forecasted transaction will not occur by the end of the originally specified time period. These transactions are reevaluated on a monthly basis to determine if the hedged forecasted transactions are still probable of occurring. If at a subsequent evaluation, it is determined
that the transactions are probable of not occurring, any related gains or losses recorded in AOCI are immediately recognized in earnings.
Further information on our derivative instruments and hedging activities is included in “Note 11 – Derivative Financial Instruments and Hedging Activities.”
Allowance for Credit Losses – Off-Balance-Sheet Credit Exposures. Our off-balance-sheet credit exposures include contractual commitments to extend credit and standby letters of credit. For these credit exposures we evaluate the expected credit losses using usage given defaults and credit conversion factors depending on the type of commitment and based upon historical usage rates. These assumptions are reevaluated on an annual basis and adjusted if necessary.  In accordance with Topic 326, credit losses are not recognized for those credit exposures that are unconditionally cancellable by the Company.
The allowance for credit losses for these off-balance-sheet credit exposures is included in other liabilities on our consolidated balance sheets and is adjusted with a corresponding adjustment to provision for credit losses on our consolidated statements of income.
Revenue Recognition. Our revenue consists of net interest income on financial assets and financial liabilities and noninterest income.  The classifications of our revenue are presented in the consolidated statements of income.
In accordance with ASC Topic 606, revenue is recognized when obligations under the terms of a contract with our customer are satisfied; generally this occurs with the transfer of control of goods or services. We recognize revenue equal to the amounts for which we have a right to invoice, revenue is measured as the amount of consideration we expect to receive in exchange for the transfer of those goods or services. We generally expense sales commissions when incurred because the amortization period is within one year or less. These costs are recorded within salaries and employee benefits on the consolidated statements of income.
The following summarizes our revenue recognition policies as they relate to revenue from contracts with customers:
•Deposit services. Service charges on deposit accounts include fees for banking services provided, overdrafts and non-sufficient funds. Revenue is generally recognized in accordance with published deposit account agreements for retail accounts or contractual agreements for commercial accounts. Our deposit services also include our ATM and debit card interchange revenue that is presented net of the associated costs. Interchange revenue is generated by our deposit customers’ usage and volume of activity. Interchange rates are not controlled by the Company, which effectively acts as processor that collects and remits payments associated with customer debit card transactions.
•Trust income. Trust income includes fees and commissions from investment management, administrative and advisory services primarily for individuals, and to a lesser extent, partnerships and corporations. Revenue is recognized on an accrual basis at the time the services are performed and when we have a right to invoice and are based on either the market value of the assets managed or the services provided.
•Brokerage services. Brokerage services income includes fees and commissions charged when we arrange for another party to transfer brokerage services to a customer. The fees and commissions under this agent relationship are based upon stated fee schedules based upon the type of transaction, volume and value of the services provided.
•Other noninterest income. Other noninterest income includes among other things, merchant services income. Merchant services revenue is derived from third-party vendors that process credit card transactions on behalf of our merchant customers. Merchant services revenue is primarily comprised of residual fee income based on the referred merchant’s processing volumes and/or margin.
Income Taxes.  We file a consolidated federal income tax return.  Income tax expense represents the taxes expected to be paid or returned for current year taxes adjusted for the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases.  Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled.  The effect on deferred tax assets and liabilities of changes in tax rates is recognized in income in the period the change occurs. Uncertain tax positions arise when it is more likely than not that the tax position taken will be sustained upon examination by the appropriate tax authority. Any income tax benefit as well as penalties and interest related to income tax expense are recorded as a component of income tax expense. Unrecognized tax benefits were not material as of December 31, 2025 or 2024.
Fair Value of Financial Instruments.  Fair values of financial instruments are estimated using relevant market information and other assumptions.  Fair value estimates involve uncertainties and matters of significant judgment.  In cases where quoted market prices are not available, fair values are based on estimates using present value or other estimation techniques.  Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.
Retirement Plan.  Defined benefit pension obligations and the annual pension costs are determined by independent actuaries and through the use of a number of assumptions that are reviewed by management. These assumptions include a discount rate used to determine the current benefit obligation and a long-term expected rate of return on plan assets. Net periodic defined benefit pension expense includes interest cost based on the assumed discount rate, an expected return on plan assets and amortization of net actuarial gains or losses. Actuarial gains and losses result from experience different from that assumed and from changes in assumptions. Amortization of actuarial gains and losses is included as a component of net periodic defined benefit pension cost. All other of these cost components are recorded in other noninterest expense.
During 2024, we adopted a liability-driven investment strategy for the Retirement Plan. The liability-driven investment strategy focuses on matching the cash flow generated by assets to the cash flow of the retirement benefit obligation, therefore minimizing risks that could affect returns, such as those associated with interest rate fluctuations and market volatility. As a result of minimizing gains and losses that would significantly impact the amortization of the existing actuarial loss, we changed the amortization method of actuarial loss from average life expectancy to average future service. As a result of this amortization method change, our net periodic benefit cost of the Retirement Plan increased to $2.0 million in 2025 compared to net periodic benefit income of $659,000 in 2024.
The retirement plan obligations, related assets and net periodic benefit costs of our defined benefit pension plan are presented in “Note 10 – Employee Benefits.”
Share-Based Awards.  Compensation expense for NQSOs and RSUs is based on the fair value on the date of the grant and is recorded over the grant’s vesting period. Compensation expense for PSUs is based on the fair value on the date of the grant and is recorded over the service period of the award based upon the probable number of units expected to vest. Share-based compensation for employees is recognized as compensation cost in the consolidated statements of income. Share-based compensation for non-employee directors is recognized as other noninterest expense in the consolidated statements of income.
Loss Contingencies.  Loss contingencies, including claims and legal actions arising in the ordinary course of business are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Wealth Management and Trust Assets.  Our wealth management and trust assets, other than cash on deposit at Southside Bank, are not included in the accompanying financial statements, because they are not our assets.
Accounting Pronouncements.
In December 2023, the FASB issued ASU 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures. ASU 2023-09 enhances the transparency of decision-usefulness of income tax disclosures, particularly in the rate reconciliation table and disclosures about income taxes paid. ASU 2023-09 is effective for fiscal years beginning after December 15, 2024. Early adoption is permitted. The guidance should be applied prospectively with an option to apply it retrospectively for each period presented. We adopted ASU 2023-09 on January 1, 2025. ASU 2023-09 did not have a material impact on our consolidated financial statements.
In November 2024, the FASB issued ASU 2024-03, “Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40).” ASU 2024-03 requires disaggregated disclosure of income statement expenses within the footnotes to the financial statements for any relevant expense caption presented on the face of the income statement within continuing operations into the following required natural expense categories, as applicable: (1) purchases of inventory, (2) employee compensation, (3) depreciation, (4) intangible asset amortization, and (5) depreciation, depletion and amortization recognized as part of oil- and gas-producing activities or other types of depletion services. ASU 2024-03 is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted. The guidance should be applied prospectively with an option to apply it retrospectively for each period presented. We are currently evaluating the potential impact of ASU 2024-03 on our consolidated financial statements.
In November 2025, the FASB issued ASU 2025-08, “Financial Instruments - Credit Losses (Topic 326): Purchased Loans.” ASU 2025-08 expands the population of acquired financial assets subject to the gross-up approach to include purchased seasoned loans. The gross-up approach requires recognition of an allowance for expected credit loss for the estimate of credit losses at the acquisition date. The allowance for expected credit loss is recorded with an offsetting gross-up adjustment to the purchase price of the acquired financial asset. ASU 2025-08 is effective for fiscal years and interim periods within those fiscal years, beginning after December 15, 2026. Early adoption is permitted. The guidance should be applied prospectively to loans acquired on or after the adoption date. We are currently evaluating the potential impact of ASU 2025-08 and do not expect it to have a material impact on our consolidated financials.
In November 2025, the FASB issued ASU 2025-09, “Derivatives and Hedging (Topic 815): Hedge Accounting Improvements.” ASU 2025-09 makes certain targeted improvements to simplify the application of the hedge accounting guidance and to address several incremental hedge accounting issues arising from the global reference rate reform initiative. These improvements include expanding the hedged risks permitted to be aggregated in a group of individual forecasted transactions in a cash flow hedge and clarifying the circumstances under which a group of individual forecasted transactions can be considered to have a similar risk exposure. ASU 2025-09 is effective for fiscal years and interim periods within those fiscal years, beginning after December 15, 2026. Early adoption is permitted. The guidance should be applied prospectively for all hedging relationships. We are currently evaluating the potential impact of ASU 2025-09 and do not expect it to have a material impact on our consolidated financial statements.
In December 2025, the FASB issued ASU 2025-11, “Interim Reporting (Topic 270): Narrow-Scope Improvements.” ASU 2025-11 clarifies the applicability of Topic 270 and the form and content of interim financial statements. In addition, ASU 2015-11 requires entities to disclose material events occurring since the last annual reporting period. ASU 2025-11 is effective for interim periods within annual reporting periods beginning after December 15, 2027. Early adoption is permitted. The guidance can be applied prospectively or retrospectively for each period presented. We are currently evaluating the potential impact of ASU 2025-11 and do not expect it to have a material impact on our consolidated financials.
v3.25.4
EARNINGS PER SHARE
 12 Months Ended
Dec. 31, 2025
Earnings Per Share [Abstract]  
EARNINGS PER SHARE EARNINGS PER SHARE
Earnings per share on a basic and diluted basis are calculated as follows (in thousands, except per share amounts):
 Years Ended December 31,
 202520242023
Basic and Diluted Earnings:   
Net income$69,220 $88,494 $86,692 
Less: Earnings allocated to participating securities41 57 38 
Net income available to common shareholders$69,179 $88,437 $86,654 
Basic weighted-average shares outstanding30,137 30,293 30,704 
Add: Stock awards89 76 55 
Diluted weighted-average shares outstanding30,226 30,369 30,759 
Basic earnings per share:   
Net income $2.30 $2.92 $2.82 
Diluted earnings per share:   
Net income$2.29 $2.91 $2.82 
For the year ended December 31, 2025, there were approximately 460,000 anti-dilutive shares. For the years ended December 31, 2024 and 2023, there were approximately 525,000 and 570,000 anti-dilutive shares, respectively.
v3.25.4
ACCUMULATED OTHER COMPREHENSIVE LOSS
 12 Months Ended
Dec. 31, 2025
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
ACCUMULATED OTHER COMPREHENSIVE LOSS ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS)
The changes in accumulated other comprehensive income (loss) by component are as follows for the years presented (in thousands):
Year Ended December 31, 2025
Unrealized Gains (Losses) on SecuritiesUnrealized Gains (Losses) on DerivativesRetirement PlansTotal
Beginning balance, net of tax$(112,199)$6,303 $(19,002)$(124,898)
Other comprehensive income (loss):
Other comprehensive income (loss) before reclassifications4,917 (2,313)(586)2,018 
Reclassification adjustments included in net income40,511 (7,924)2,459 35,046 
Income tax (expense) benefit(9,540)2,150 (393)(7,783)
Net current-period other comprehensive income (loss), net of tax35,888 (8,087)1,480 29,281 
Ending balance, net of tax$(76,311)$(1,784)$(17,522)$(95,617)
Year Ended December 31, 2024
Unrealized Gains (Losses) on SecuritiesUnrealized Gains (Losses) on DerivativesRetirement PlansTotal
Beginning balance, net of tax$(107,499)$12,803 $(18,766)$(113,462)
Other comprehensive income (loss):
Other comprehensive income (loss) before reclassifications(16,686)13,814 (928)(3,800)
Reclassification adjustments included in net income10,737 (22,042)629 (10,676)
Income tax (expense) benefit1,249 1,728 63 3,040 
Net current-period other comprehensive income (loss), net of tax(4,700)(6,500)(236)(11,436)
Ending balance, net of tax$(112,199)$6,303 $(19,002)$(124,898)
Year Ended December 31, 2023
Unrealized Gains (Losses) on SecuritiesUnrealized Gains (Losses) on DerivativesRetirement PlansTotal
Beginning balance, net of tax$(149,181)$31,227 $(19,502)$(137,456)
Other comprehensive income (loss):
Other comprehensive income (loss) before reclassifications28,782 1,222 176 30,180 
Reclassification adjustments included in net income23,980 (24,544)756 192 
Income tax (expense) benefit(11,080)4,898 (196)(6,378)
Net current-period other comprehensive income (loss), net of tax41,682 (18,424)736 23,994 
Ending balance, net of tax$(107,499)$12,803 $(18,766)$(113,462)
The reclassification adjustments out of accumulated other comprehensive income (loss) included in net income are presented below (in thousands):
Years Ended December 31,
202520242023
Unrealized gains and losses on securities transferred:
Amortization of unrealized gains and losses (1)
$(8,241)$(8,227)$(8,004)
Tax (expense) benefit1,731 1,728 1,681 
Net of tax$(6,510)$(6,499)$(6,323)
Unrealized gains and losses on AFS securities:
Realized net gain (loss) on sale of securities (2)
$(32,270)$(2,510)$(15,976)
Tax (expense) benefit6,777 527 3,355 
Net of tax$(25,493)$(1,983)$(12,621)
Derivatives:
Realized net gain (loss) on interest rate swap derivatives (3)
$7,924 $22,042 $24,544 
Tax (expense) benefit(1,664)(4,629)(5,154)
Net of tax$6,260 $17,413 $19,390 
Amortization of retirement plans:
Net actuarial loss (4)
$(2,459)$(629)$(756)
Tax (expense) benefit516 132 159 
Net of tax$(1,943)$(497)$(597)
Total reclassifications for the period, net of tax$(27,686)$8,434 $(151)
(1)    Included in interest income on the consolidated statements of income.
(2)    Listed as net gain (loss) on sale of securities AFS on the consolidated statements of income.
(3)    Included in interest expense for FHLB borrowings, other borrowings and deposits on the consolidated statements of income.
(4)    These AOCI components are included in the computation of net periodic pension cost (income) presented in “Note 10 – Employee Benefits.”
v3.25.4
SECURITIES
 12 Months Ended
Dec. 31, 2025
Investments, Debt and Equity Securities [Abstract]  
SECURITIES SECURITIES
Debt securities
The amortized cost, gross unrealized gains and losses and estimated fair value of investment and mortgage-backed AFS and HTM securities, net of allowance for credit losses, as of December 31, 2025 and 2024 are reflected in the tables below (in thousands):
 December 31, 2025
Amortized
Gross
Unrealized
Gross UnrealizedLess:
Allowance for 		Estimated
AVAILABLE FOR SALECostGainsLossesCredit LossesFair Value
Investment securities:
State and political subdivisions$192,268 $1,423 $17,055 $— $176,636 
Corporate bonds and other 17,793 327 99 — 18,021 
MBS: (1)
   
Residential1,244,698 15,278 708 — 1,259,268 
Commercial2,227 67 — — 2,294 
Total$1,456,986 $17,095 $17,862 $— $1,456,219 
Amortized
Gross
Unrealized
Gross UnrealizedEstimatedLess:
Allowance for		Net Carrying
HELD TO MATURITYCostGainsLossesFair ValueCredit LossesAmount
Investment securities:
State and political subdivisions$1,042,986 $2,290 $139,719 $905,557 $25 $1,042,961 
Corporate bonds and other98,609 694 1,487 97,816 — 98,609 
MBS: (1)
Residential77,080 10 4,898 72,192 — 77,080 
Commercial28,827 — 1,088 27,739 — 28,827 
Total $1,247,502 $2,994 $147,192 $1,103,304 $25 $1,247,477 
 December 31, 2024
Amortized
Gross
Unrealized
Gross UnrealizedLess:
Allowance for		Estimated
AVAILABLE FOR SALECostGainsLossesCredit LossesFair Value
Investment securities: 
U.S. Treasury
$173,880 $76 $— $— $173,956 
State and political subdivisions458,013 36 43,717 — 414,332 
Corporate bonds and other 14,646 263 401 — 14,508 
MBS: (1)
 
Residential
935,639 835 10,088 — 926,386 
Commercial
5,238 — 526 — 4,712 
Total$1,587,416 $1,210 $54,732 $— $1,533,894 

Amortized
Gross
Unrealized
Gross UnrealizedEstimatedLess:
Allowance for		Net Carrying
HELD TO MATURITYCostGainsLossesFair ValueCredit LossesAmount
Investment securities:
State and political subdivisions$1,040,912 $4,004 $152,697 $892,219 $— $1,040,912 
Corporate bonds and other124,095 17 6,553 117,559 — 124,095 
MBS: (1)
 
Residential84,660 8 8,549 76,119 — 84,660 
Commercial29,567 — 1,982 27,585 — 29,567 
Total$1,279,234 $4,029 $169,781 $1,113,482 $— $1,279,234 

(1)    All MBS issued and/or guaranteed by U.S. government agencies or U.S. GSEs.
From time to time, we transfer securities from AFS to HTM due to overall balance sheet strategies and our intent and ability to hold these securities until maturity. We did not transfer any securities from AFS to HTM during the years ended December 31, 2025 or 2024. The remaining net unamortized, unrealized loss on the transferred securities included in AOCI in the accompanying balance sheets totaled $96.6 million ($76.3 million, net of tax) at December 31, 2025 and $105.1 million ($83.0 million, net of tax) at December 31, 2024. Any net unrealized gain or loss on the transferred securities included in AOCI at the time of transfer will be amortized over the remaining life of the underlying security as an adjustment to the yield on those securities. Securities transferred with losses included in AOCI continue to be included in management’s assessment for impairment for each individual security.
Investment securities and MBS with carrying values of $1.94 billion and $2.18 billion were pledged as of December 31, 2025 and December 31, 2024, respectively, to collateralize borrowings from the FRDW, repurchase agreements and public fund deposits, for potential liquidity needs or other purposes as required by law. At December 31, 2025 and December 31, 2024, the amount of excess collateral at the FRDW was $241.8 million and $431.7 million, respectively.
The following tables present the fair value and unrealized losses on AFS, if applicable, for which an allowance for credit losses has not been recorded, as well as HTM investment securities and MBS, if applicable, as of December 31, 2025 and 2024, segregated by major security type and length of time in a continuous loss position (in thousands):
December 31, 2025
 Less Than 12 MonthsMore Than 12 MonthsTotal
Fair ValueUnrealized
Loss		Fair ValueUnrealized
Loss		Fair ValueUnrealized
Loss
AVAILABLE FOR SALE      
Investment securities:
State and political subdivisions$— $— $128,723 $17,055 $128,723 $17,055 
Corporate bonds and other3,708 42 4,943 57 8,651 99 
MBS:
Residential52,056 32 10,320 676 62,376 708 
Total$55,764 $74 $143,986 $17,788 $199,750 $17,862 
HELD TO MATURITY      
Investment securities:
State and political subdivisions$20,224 $3,128 $770,244 $136,591 $790,468 $139,719 
Corporate bonds and other— — 64,009 1,487 64,009 1,487 
MBS:
Residential— — 71,782 4,898 71,782 4,898 
Commercial— — 27,739 1,088 27,739 1,088 
Total$20,224 $3,128 $933,774 $144,064 $953,998 $147,192 
December 31, 2024
Less Than 12 Months
More Than 12 Months
Total
Fair Value
Unrealized
Loss
Fair Value
Unrealized
Loss
Fair Value
Unrealized
Loss
AVAILABLE FOR SALE      
Investment securities:
State and political subdivisions$12,089 $64 $398,304 $43,653 $410,393 $43,717 
Corporate bonds and other2,967 33 5,612 368 8,579 401 
MBS:
Residential723,855 6,517 31,527 3,571 755,382 10,088 
Commercial2,223 12 2,489 514 4,712 526 
Total$741,134 $6,626 $437,932 $48,106 $1,179,066 $54,732 
HELD TO MATURITY      
Investment securities:
State and political subdivisions$73,272 $1,779 $704,563 $150,918 $777,835 $152,697 
Corporate bonds and other2,212 149 111,392 6,404 113,604 6,553 
MBS:
Residential2,548 292 73,064 8,257 75,612 8,549 
Commercial— — 27,585 1,982 27,585 1,982 
Total $78,032 $2,220 $916,604 $167,561 $994,636 $169,781 
For those AFS debt securities in an unrealized loss position (i) where management has the intent to sell or (ii) where it will more-likely-than-not be required to sell the security before the recovery of its amortized cost basis, we recognize the loss in earnings. For those AFS debt securities in an unrealized loss position that do not meet either of these criteria, management assesses whether the decline in fair value has resulted from credit-related factors, using both qualitative and quantitative criteria. Determining the allowance under the credit loss method requires the use of a discounted cash flow method to assess the credit losses. Any credit-related impairment will be recognized in allowance for credit losses on the balance sheet with a corresponding adjustment to earnings. Noncredit-related temporary impairment, the portion of the impairment relating to factors other than credit (such as changes in market interest rates), is recognized in other comprehensive income, net of tax.
As of December 31, 2025 and 2024, we did not have an allowance for credit losses on our AFS securities, based on our consideration of the qualitative factors associated with each security type in our AFS portfolio. The unrealized losses on our investment and MBS are due to changes in interest rates and spreads and other market conditions. We had 161 and 421 AFS debt securities in an unrealized loss position at December 31, 2025 and 2024, respectively. Our state and political subdivisions are highly rated municipal securities with a long history of no credit losses. Our AFS MBS are highly rated securities which are either explicitly or implicitly backed by the U.S. Government through its agencies and which are highly rated by major ratings agencies and also have a long history of no credit losses. Our corporate bonds and other investment securities consist of primarily investment grade bonds.
We assess the likelihood of default and the potential amount of default when assessing our HTM securities for credit losses. We utilize term structures and, due to no prior loss exposure on our state and political subdivision securities or our corporate securities, we currently apply a third-party average loss given default rate to model these securities. We elected to use the collective evaluation method to model our HTM securities, which aligns with our third-party fair value measurement process. The model determined an expected credit loss over the life of the HTM securities of $25,000, and such amount was recognized as credit loss for the year ended December 31, 2025. For the year ended December 31, 2024, no provision for credit loss was recognized. Management evaluated the remote expectation of loss on the HTM portfolio, along with the qualitative factors associated with these securities, as well as the credit loss estimate of the model and concluded that an allowance for credit loss of $25,000 was sufficient as of December 31, 2025, due to the securities being highly rated municipals with a long history of no credit losses.
The accrued interest receivable on our debt securities is excluded from the credit loss estimate and is included in interest receivable on our consolidated balance sheets. As of December 31, 2025, accrued interest receivable on AFS and HTM debt securities totaled $9.4 million and $12.7 million, respectively. As of December 31, 2024, accrued interest receivable on AFS and HTM debt securities totaled $13.6 million and $12.9 million, respectively. No HTM debt securities were past-due or on nonaccrual status as of December 31, 2025 or 2024.
The following table reflects interest income recognized on securities for the periods presented (in thousands):
 Years Ended December 31,
 202520242023
U.S. Treasury$3,781 $8,538 $11,331 
State and political subdivisions44,306 53,186 67,355 
Corporate bonds and other6,491 6,820 7,129 
MBS57,230 45,222 19,450 
Total interest income on securities$111,808 $113,766 $105,265 

There was a $32.3 million net realized loss as a result of sales from the AFS securities portfolio for the year ended December 31, 2025, which consisted of $33.1 million in realized losses and $2.0 million in realized gains, as well as a net loss of $1.2 million on the unwind of fair value MBS and municipal securities hedges in the AFS securities portfolio. There was a $2.5 million net realized loss as a result of sales from the AFS securities portfolio for the year ended December 31, 2024, which consisted of $6.1 million in realized losses and $88,000 in realized gains, offset by a net gain of $3.5 million on the unwinding of fair value hedges on municipal securities in the AFS securities portfolio. There were no sales from the HTM portfolio during the year ended December 31, 2025, 2024 or 2023.  We calculate realized gains and losses on sales of securities under the specific identification method.
Expected maturities on our securities may differ from contractual maturities because issuers may have the right to call or prepay obligations.  MBS are presented in total by category since MBS are typically issued with stated principal amounts and are backed by pools of mortgages that have loans with varying maturities.  The characteristics of the underlying pool of mortgages, such as fixed-rate or adjustable-rate, as well as prepayment risk, are passed on to the security holder.  The term of a mortgage-
backed pass-through security thus approximates the term of the underlying mortgages and can vary significantly due to prepayments.
The amortized cost and estimated fair value of AFS and HTM securities at December 31, 2025, are presented below by contractual maturity (in thousands):
 December 31, 2025
 Amortized CostFair Value
AVAILABLE FOR SALE
Investment securities:  
Due in one year or less$437 $437 
Due after one year through five years5,023 5,060 
Due after five years through ten years15,043 15,268 
Due after ten years189,558 173,892 
 210,061 194,657 
MBS:1,246,925 1,261,562 
Total$1,456,986 $1,456,219 
 December 31, 2025
 Amortized Cost
Fair Value
HELD TO MATURITY
Investment securities:  
Due in one year or less$140 $139 
Due after one year through five years29,826 29,720 
Due after five years through ten years106,988 106,304 
Due after ten years1,004,641 867,210 
 1,141,595 1,003,373 
MBS:105,907 99,931 
Total$1,247,502 $1,103,304 

Equity Investments
Equity investments on our consolidated balance sheets include CRA funds with a readily determinable fair value as well as equity investments without readily determinable fair values. At December 31, 2025 and 2024, we had equity investments recorded in our consolidated balance sheets of $9.6 million and $9.5 million, respectively.
Any realized and unrealized gains and losses on equity investments are reported in income. Equity investments without readily determinable fair values are recorded at cost, less impairment, if any. For the year ended December 31, 2025, there was no gain or loss on the sale of equity securities.
The following is a summary of unrealized and realized gains and losses on equity investments recognized in other noninterest income in the consolidated statements of income during the periods presented (in thousands):
 Years Ended December 31,
 202520242023
Net gains (losses) recognized during the period on equity investments$169 $(51)$5,131 
Less: Net gains recognized during the period on equity investments sold during the period— — 5,058 
Unrealized gains (losses) recognized during the reporting period on equity investments still held at the reporting date$169 $(51)$73 

FHLB Stock
Our FHLB stock, which has limited marketability, is carried at cost, less impairment, if any. Based upon our quarterly evaluation by management at December 31, 2025, our FHLB stock was not impaired.
v3.25.4
LOANS AND ALLOWANCE FOR LOAN LOSSES
 12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
LOANS AND ALLOWANCE FOR LOAN LOSSES LOANS AND ALLOWANCE FOR LOAN LOSSES
Loans in the accompanying consolidated balance sheets are classified as follows (in thousands):
December 31, 2025December 31, 2024
Real estate loans:
Construction$548,570 $537,827 
1-4 family residential724,354 740,396 
Commercial 2,712,816 2,579,735 
Commercial loans444,720 363,167 
Municipal loans346,720 390,968 
Loans to individuals40,811 49,504 
Total loans4,817,991 4,661,597 
Less: Allowance for loan losses45,100 44,884 
Net loans$4,772,891 $4,616,713 

Loans to Affiliated Parties
In the normal course of business, we make loans to certain of our executive officers and directors and their related interests.  As of December 31, 2025 and 2024, these loans totaled $9.8 million and $12.1 million, respectively.  These loans represented 1.2% and 1.5% of shareholders’ equity as of December 31, 2025 and 2024, respectively. 
Construction Real Estate Loans
Our construction loans are collateralized by property located primarily in or near the market areas we serve. Some of our construction loans will be owner occupied upon completion. Construction loans for non-owner occupied projects are financed, but these typically have cash flows from leases with tenants, secondary sources of repayment, and in some cases, additional collateral. Our construction loans have both adjustable and fixed interest rates during the construction period. Construction loans to individuals are typically priced and made with the intention of granting the permanent loan on the completed property. Commercial construction loans typically have adjustable interest rates and are subject to underwriting standards similar to that of the commercial real estate loan portfolio.  Owner occupied 1-4 family residential construction loans are subject to the underwriting standards of the permanent loan.
1-4 Family Residential Real Estate Loans
Residential loan originations are generated by our mortgage loan officers, in-house origination staff, marketing efforts, present customers, walk-in customers and referrals from real estate agents and builders.  We focus our lending efforts primarily on the origination of loans secured by first mortgages on owner occupied 1-4 family residences.  Substantially all of our 1-4 family residential originations are secured by properties located in or near our market areas.  
Our 1-4 family residential loans generally have maturities ranging from 15 to 30 years.  These loans are typically fully amortizing with monthly payments sufficient to repay the total amount of the loan.  Our 1-4 family residential loans are made at both fixed and adjustable interest rates.
Underwriting for 1-4 family residential loans includes debt-to-income analysis, credit history analysis, appraised value and down payment considerations. Changes in the market value of real estate can affect the potential losses in the residential portfolio.
Commercial Real Estate Loans
Commercial real estate loans as of December 31, 2025 consisted of $1.94 billion of owner and non-owner occupied real estate, $742.7 million of loans secured by multi-family properties and $32.7 million of loans secured by farmland. Commercial real estate loans primarily include loans collateralized by retail, commercial office buildings, multi-family residential buildings, medical facilities and offices, senior living, assisted living and skilled nursing facilities, warehouse facilities, hotels and churches. In determining whether to originate commercial real estate loans, we generally consider such factors as the financial condition of the borrower and the debt service coverage of the property. Commercial real estate loans are made at both fixed and adjustable interest rates for terms generally up to 20 years.
Commercial Loans
Our commercial loans are diversified loan types including short-term working capital loans for inventory and accounts receivable and short- and medium-term loans for equipment or other business capital expansion.  In our commercial loan underwriting, we assess the creditworthiness, ability to repay and the value and liquidity of the collateral being offered.  Terms of commercial loans are generally commensurate with the useful life of the collateral offered.
Municipal Loans
We make loans to municipalities and school districts primarily throughout the state of Texas, with a small percentage originating outside of the state.  The majority of the loans to municipalities and school districts have tax or revenue pledges and in some cases are additionally supported by collateral.  Municipal loans made without a direct pledge of taxes or revenues are usually made based on some type of collateral that represents an essential service. These loans allow us to earn a higher yield than we could if we purchased municipal securities for similar durations.
Loans to Individuals
Substantially all originations of our loans to individuals are made to consumers in our market areas.  The majority of loans to individuals are collateralized by titled equipment, which are primarily automobiles. Loan terms vary according to the type and value of collateral, length of contract and creditworthiness of the borrower.  The underwriting standards we employ for consumer loans include an application and a determination of the applicant’s payment history on other debts, with the greatest weight being given to payment history with us and an assessment of the borrower’s ability to meet existing obligations and payments on the proposed loan.  Although creditworthiness of the applicant is a primary consideration, the underwriting process also includes a comparison of the value of the collateral, if any, in relation to the proposed loan amount. Most of our loans to individuals are collateralized, which management believes assists in limiting our exposure.
Credit Quality Indicators
We categorize loans into risk categories on an ongoing basis based on relevant information about the ability of borrowers to service their debt such as:  current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors.  We use the following definitions for risk ratings:
•Pass (Rating 1 – 4) – This rating is assigned to all satisfactory loans.  This category, by definition, consists of acceptable credit.  Credit and collateral exceptions should not be present, although their presence would not necessarily prohibit a loan from being rated Pass, if deficiencies are in the process of correction.  These loans are not included in the Watch List.
•Pass Watch (Rating 5) – These loans require some degree of special treatment, but not due to credit quality.  This category does not include loans specially mentioned or adversely classified; however, particular attention is warranted to characteristics such as:
▪A lack of, or abnormally extended payment program;
▪A heavy degree of concentration of collateral without sufficient margin;
▪A vulnerability to competition through lesser or extensive financial leverage; and
▪A dependence on a single or few customers or sources of supply and materials without suitable substitutes or alternatives.
•Special Mention (Rating 6) – A Special Mention loan has potential weaknesses that deserve management’s close attention.  If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in our credit position at some future date.  Special Mention loans are not adversely classified and do not expose us to sufficient risk to warrant adverse classification.
•Substandard (Rating 7) – Substandard loans are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any.  Loans so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
•Doubtful (Rating 8) – Loans classified as Doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses make collection or liquidation, in full, on the basis of currently known facts, conditions and values, highly questionable and improbable.
The following tables set forth the amortized cost basis by class of financing receivable and credit quality indicator for the periods presented (in thousands):
December 31, 2025Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisTotal
20252024202320222021Prior
Construction real estate:
Pass$139,542 $96,548 $60,041 $3,649 $15,979 $5,939 $148,759 $470,457 
Pass watch9,343 1,494 — 31 — — 5,596 16,464 
Special mention47,492 — — — 407 58 13,468 61,425 
Substandard57 — — — 140 27 — 224 
Doubtful— — — — — — — — 
Total construction real estate$196,434 $98,042 $60,041 $3,680 $16,526 $6,024 $167,823 $548,570 
Current period gross charge-offs$— $— $1 $— $— $— $— $1 
1-4 family residential real estate:
Pass$48,099 $50,197 $68,149 $143,782 $127,149 $278,702 $583 $716,661 
Pass watch— — — — — — — — 
Special mention— — — — — 1,508 — 1,508 
Substandard2,380 — 112 — 658 2,199 269 5,618 
Doubtful— 165 265 — — 137 — 567 
Total 1-4 family residential real estate$50,479 $50,362 $68,526 $143,782 $127,807 $282,546 $852 $724,354 
Current period gross charge-offs$— $56 $— $— $— $13 $— $69 
Commercial real estate:
Pass$745,975 $213,269 $343,198 $384,505 $382,748 $256,509 $43,971 $2,370,175 
Pass watch21,226 — 49,316 34,440 — 287 — 105,269 
Special mention— — 2,691 78,401 — 6,383 — 87,475 
Substandard30,044 — — 101,330 12,097 6,426 — 149,897 
Doubtful— — — — — — — — 
Total commercial real estate$797,245 $213,269 $395,205 $598,676 $394,845 $269,605 $43,971 $2,712,816 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial loans:
Pass$124,358 $41,277 $27,101 $27,035 $8,388 $4,627 $189,290 $422,076 
Pass watch21 43 — — 36 — — 100 
Special mention204 202 177 469 590 3 532 2,177 
Substandard1,341 12,858 1,333 713 75 38 3,497 19,855 
Doubtful79 134 111 86 90 12 — 512 
Total commercial loans$126,003 $54,514 $28,722 $28,303 $9,179 $4,680 $193,319 $444,720 
Current period gross charge-offs$— $1,689 $409 $139 $139 $23 $— $2,399 
Municipal loans:
Pass$2,135 $1,800 $31,542 $54,168 $59,342 $197,733 $— $346,720 
Pass watch— — — — — — — — 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total municipal loans$2,135 $1,800 $31,542 $54,168 $59,342 $197,733 $— $346,720 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Loans to individuals:
Pass$16,861 $8,627 $4,980 $3,682 $2,524 $1,856 $2,049 $40,579 
Pass watch— — — — — — — — 
Special mention8 — — — — — — 8 
Substandard3 1 8 2 — — — 14 
Doubtful185 20 3 1 — 1 — 210 
Total loans to individuals$17,057 $8,648 $4,991 $3,685 $2,524 $1,857 $2,049 $40,811 
Current period gross charge-offs (1)
$1,620 $34 $24 $68 $24 $18 $— $1,788 
Total loans$1,189,353 $426,635 $589,027 $832,294 $610,223 $762,445 $408,014 $4,817,991 
Total current period gross charge-offs (1)
$1,620 $1,779 $434 $207 $163 $54 $— $4,257 
(1) Includes $1.2 million in charged off demand deposit overdrafts reported as 2025 originations.
December 31, 2024Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisTotal
20242023202220212020Prior
Construction real estate:
Pass$130,555 $122,724 $46,499 $17,710 $3,564 $5,923 $132,096 $459,071 
Pass watch209 — 59,700 — 574 591 16,999 78,073 
Special mention— — — 429 — 72 — 501 
Substandard— 112 — 59 — — — 171 
Doubtful— — — — — 11 — 11 
Total construction real estate$130,764 $122,836 $106,199 $18,198 $4,138 $6,597 $149,095 $537,827 
Current period gross charge-offs$— $24 $— $— $— $— $— $24 
1-4 family residential real estate:
Pass$43,040 $65,458 $153,335 $139,048 $106,116 $226,550 $1,524 $735,071 
Pass watch— — — — — — — — 
Special mention— — — 505 — — — 505 
Substandard50 225 — 225 1,326 2,833 — 4,659 
Doubtful— — — — — 161 — 161 
Total 1-4 family residential real estate$43,090 $65,683 $153,335 $139,778 $107,442 $229,544 $1,524 $740,396 
Current period gross charge-offs$— $31 $— $— $10 $220 $— $261 
Commercial real estate:
Pass$363,370 $410,213 $632,216 $509,927 $132,562 $223,551 $41,568 $2,313,407 
Pass watch— 11,953 65,206 22,440 4,090 24,599 983 129,271 
Special mention3,983 — 79,280 175 — 13,232 — 96,670 
Substandard— — 27,994 6,409 250 5,649 — 40,302 
Doubtful— — — — — 85 — 85 
Total commercial real estate$367,353 $422,166 $804,696 $538,951 $136,902 $267,116 $42,551 $2,579,735 
Current period gross charge-offs$— $— $— $— $— $78 $— $78 
Commercial loans:
Pass$83,118 $51,895 $39,449 $13,887 $5,875 $3,091 $155,671 $352,986 
Pass watch— 30 603 787 29 513 4,972 6,934 
Special mention— 327 29 83 — 101 180 720 
Substandard365 99 281 137 22 1 1,100 2,005 
Doubtful31 244 134 61 — 52 — 522 
Total commercial loans$83,514 $52,595 $40,496 $14,955 $5,926 $3,758 $161,923 $363,167 
Current period gross charge-offs$24 $462 $590 $85 $— $12 $— $1,173 
Municipal loans:
Pass$1,949 $34,398 $57,862 $64,041 $41,115 $188,309 $— $387,674 
Pass watch— — — — 892 2,402 — 3,294 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total municipal loans$1,949 $34,398 $57,862 $64,041 $42,007 $190,711 $— $390,968 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Loans to individuals:
Pass$18,765 $10,881 $7,719 $5,949 $2,900 $949 $2,215 $49,378 
Pass watch— — — — — — — — 
Special mention— — — — — — — — 
Substandard— 2 28 — — 4 1 35 
Doubtful— 8 67 2 8 6 — 91 
Total loans to individuals$18,765 $10,891 $7,814 $5,951 $2,908 $959 $2,216 $49,504 
Current period gross charge-offs (1)
$1,655 $34 $43 $26 $33 $33 $— $1,824 
Total loans$645,435 $708,569 $1,170,402 $781,874 $299,323 $698,685 $357,309 $4,661,597 
Total current period gross charge-offs (1)
$1,679 $551 $633 $111 $43 $343 $— $3,360 
(1) Includes $1.2 million in charged off demand deposit overdrafts reported as 2024 originations.
Watch List loans reported as 2025 originations as of December 31, 2025 and Watch List loans reported as 2024 originations as of December 31, 2024 were, for the majority, first originated in various years prior to 2025 and 2024, respectively, but were renewed in the respective year.
The following tables present the aging of the amortized cost basis in past due loans by class of loans (in thousands):
 December 31, 2025
 30-59 Days
Past Due		60-89 Days
 Past Due		Greater than
90 Days
Past Due		Total Past
Due		CurrentTotal
Real estate loans:      
Construction$416 $1,407 $— $1,823 $546,747 $548,570 
1-4 family residential4,324 693 1,284 6,301 718,053 724,354 
Commercial1,647 5,447 — 7,094 2,705,722 2,712,816 
Commercial loans1,132 640 380 2,152 442,568 444,720 
Municipal loans— — — — 346,720 346,720 
Loans to individuals353 — — 353 40,458 40,811 
Total$7,872 $8,187 $1,664 $17,723 $4,800,268 $4,817,991 
 December 31, 2024
 30-59 Days
Past Due		60-89 Days
 Past Due		Greater than
 90 Days
Past Due		Total Past
 Due		CurrentTotal
Real estate loans:      
Construction$92 $5 $— $97 $537,730 $537,827 
1-4 family residential3,217 1,328 262 4,807 735,589 740,396 
Commercial2,054 331 — 2,385 2,577,350 2,579,735 
Commercial loans2,881 649 407 3,937 359,230 363,167 
Municipal loans— — — — 390,968 390,968 
Loans to individuals108 48 20 176 49,328 49,504 
Total$8,352 $2,361 $689 $11,402 $4,650,195 $4,661,597 
The following table sets forth the amortized cost basis of nonperforming assets for the periods presented (in thousands):
 December 31, 2025December 31, 2024
Nonaccrual loans:
Real estate loans:
Construction$18 $122 
1-4 family residential4,939 1,734 
Commercial1,220 171 
Commercial loans4,091 1,067 
Loans to individuals218 91 
Total nonaccrual loans (1)
10,486 3,185 
Accruing loans past due more than 90 days— — 
Restructured loans27,509 2 
OREO248 388 
Repossessed assets— 14 
Total nonperforming assets$38,243 $3,589 
(1)    Includes $2.0 million and $63,000 of restructured loans as of December 31, 2025 and December 31, 2024, respectively.
The increase in restructured loans was due to the extension of maturity on a $27.5 million commercial real estate loan in the first quarter of 2025. We reversed $83,000 and $72,000 of interest income on nonaccrual loans during the years ended December 31, 2025 and 2024, respectively. We had $2.7 million and $650,000 of loans on nonaccrual for which there was no related allowance for credit losses as of December 31, 2025 and 2024, respectively.
Collateral-dependent loans are loans that we expect the repayment to be provided substantially through the operation or sale of the collateral of the loan and for which we have determined that the borrower is experiencing financial difficulty. In such cases, expected credit losses are based on the fair value of the collateral at the measurement date, adjusted for selling costs. As of December 31, 2025 and 2024, we had $38.4 million and $6.9 million, respectively, of collateral-dependent loans, secured mainly by real estate and equipment. There have been no significant changes to the collateral that secures the collateral-dependent assets. Foreclosed assets include OREO and repossessed assets. For 1-4 family residential real estate properties, a loan is recognized as a foreclosed property once legal title to the real estate property has been received upon completion of foreclosure or the borrower has conveyed all interest in the residential property through a deed in lieu of foreclosure. There were no loans secured by 1-4 family residential properties for which formal foreclosure proceedings were in process as of December 31, 2025. There were $40,000 in loans secured by 1-4 family residential properties for which formal foreclosure proceedings were in process as of December 31, 2024.
Restructured Loans
A loan is considered restructured if the borrower is experiencing financial difficulties and the loan has been modified. Modifications may include interest rate reductions, restructuring amortization schedules, extensions of maturity or a combination of any of these modifications intended to minimize potential losses. In most instances, interest will continue to be charged on principal balances outstanding during the extended term. Therefore, the financial effects of the recorded investment of loans restructured during the year ended December 31, 2025 were not significant.
The following table sets forth the recorded balance of restructured loans and type of modification by class of loans during the periods presented (dollars in thousands):
Year Ended December 31, 2025
 Amortization
 Period Extension		Interest Rate ReductionCombination Total ModificationsNumber of LoansPercent of Total Class
Real estate loans:  
Commercial $27,500 $— $— $27,500 1 1.01 %
Commercial loans1,837 — — 1,837 14 0.41 %
Loans to individuals194 — — 194 2 0.48 %
Total$29,531 $— $— $29,531 17

 Year Ended December 31, 2024
 Amortization
 Period Extension		Interest Rate ReductionCombinationTotal ModificationsNumber of LoansPercent of Total Class
Commercial loans$20 $— $— $20 1 0.01 %
Loans to individuals— — 2 2 1 — 
Total$20 $— $2 $22 2

There were 17 restructured loans totaling $29.5 million and three restructured loans totaling $65,000 included in nonperforming assets as of December 31, 2025 and December 31, 2024, respectively.
On an ongoing basis, performance of restructured loans are monitored for subsequent payment default. Payment default is recognized when the borrower is 90 days or more past due. As of December 31, 2025, there were $73,000 restructured loans in default. As of December 31, 2024, there were no restructured loans in default. Payment defaults for restructured loans did not significantly impact the determination of the allowance for loan losses in the periods presented. At December 31, 2025, there were no commitments to lend additional funds to borrowers whose loans had been restructured.
Allowance for Loan Losses
The following tables detail activity in the allowance for loan losses by portfolio segment for the periods presented (in thousands):
 Year Ended December 31, 2025
 Real Estate    
 Construction
1-4 Family
Residential
Commercial
Commercial
Loans
Municipal
Loans
Loans to
Individuals
Total
Balance at beginning of period$3,958 $2,780 $35,526 $2,448 $16 $156 $44,884 
Loans charged-off(1)(69)— (2,399)— (1,788)(4,257)
Recoveries of loans charged-off— 30 17 671 — 752 1,470 
Net loans (charged-off) recovered(1)(39)17 (1,728)— (1,036)(2,787)
Provision for (reversal of) loan losses3,994 89 (6,138)3,868 (3)1,193 3,003 
Balance at end of period$7,951 $2,830 $29,405 $4,588 $13 $313 $45,100 
Year Ended December 31, 2024
Real Estate
Construction
1-4 Family
Residential
Commercial
Commercial
Loans
Municipal
Loans
Loans to
Individuals
Total
Balance at beginning of period$5,287 $2,840 $32,266 $2,086 $19 $176 $42,674 
Loans charged-off (24)(261)(78)(1,173)— (1,824)(3,360)
Recoveries of loans charged-off— 99 6 386 — 942 1,433 
Net loans (charged-off) recovered(24)(162)(72)(787)— (882)(1,927)
Provision for (reversal of) loan losses(1,305)102 3,332 1,149 (3)862 4,137 
Balance at end of period$3,958 $2,780 $35,526 $2,448 $16 $156 $44,884 
Year Ended December 31, 2023
Real Estate
Construction
1-4 Family
Residential
Commercial
Commercial
Loans
Municipal
Loans
Loans to
Individuals
Total
Balance at beginning of period$3,164 $2,173 $28,701 $2,235 $45 $197 $36,515 
Loans charged-off (1)
(92)(119)(788)(1,283)— (1,922)(4,204)
Recoveries of loans charged-off2 110 1 298 — 1,043 1,454 
Net loans (charged-off) recovered(90)(9)(787)(985)— (879)(2,750)
Provision for (reversal of) loan losses2,213 676 4,352 836 (26)858 8,909 
Balance at end of period$5,287 $2,840 $32,266 $2,086 $19 $176 $42,674 
(1)    Included in charge-offs for the year ended December 31, 2023 is a $788,000 write down to fair value an $8.1 million commercial real estate loan relationship transferred to held for sale.
The accrued interest receivable on our loan receivables is excluded from the allowance for credit loss estimate and is included in interest receivable on our consolidated balance sheets. As of December 31, 2025 and December 31, 2024, the accrued interest on our loan portfolio was $19.6 million and $20.2 million, respectively.
v3.25.4
PREMISES AND EQUIPMENT
 12 Months Ended
Dec. 31, 2025
Property, Plant and Equipment [Abstract]  
PREMISES AND EQUIPMENT PREMISES AND EQUIPMENT
Premises and equipment at December 31, 2025 and 2024 are summarized as follows (in thousands):
December 31,
20252024
Premises$213,643 $199,348 
Furniture and equipment45,906 45,145 
 259,549 244,493 
Less: Accumulated depreciation107,256 102,845 
Total$152,293 $141,648 
Assets with accumulated depreciation of $3.2 million and $851,000 were written off for the years ended December 31, 2025 and 2024, respectively.
Depreciation expense was $7.6 million, $8.3 million and $8.4 million for the years ended December 31, 2025, 2024 and 2023, respectively.
v3.25.4
DEPOSITS
 12 Months Ended
Dec. 31, 2025
Deposits [Abstract]  
DEPOSITS DEPOSITS
Deposits in the accompanying consolidated balance sheets are classified as follows (in thousands):
 December 31, 2025December 31, 2024
Noninterest bearing demand deposits:  
Private accounts$1,380,468 $1,301,298 
Public accounts52,661 55,854 
Total noninterest bearing demand deposits1,433,129 1,357,152 
Interest bearing deposits:  
Private accounts:  
Savings accounts662,584 593,322 
Interest bearing demand accounts2,725,835 2,583,494 
CDs of $250,000 or more336,015 285,426 
CDs under $250,000606,194 658,286 
Total private accounts4,330,628 4,120,528 
Public accounts:  
Savings accounts1,828 2,236 
Interest bearing demand accounts734,298 905,615 
CDs of $250,000 or more362,248 265,697 
CDs under $250,0003,028 3,020 
Total public accounts1,101,402 1,176,568 
Total interest bearing deposits5,432,030 5,297,096 
Total deposits$6,865,159 $6,654,248 
For the years ended December 31, 2025, 2024 and 2023, interest expense on CDs of $250,000 or more was $29.6 million, $21.7 million and $13.0 million, respectively.
At December 31, 2025, the scheduled maturities of CDs, including public accounts, were as follows (in thousands):
2026$1,236,984 
202757,417 
20286,289 
20293,326 
20303,445 
2031 and thereafter24 
$1,307,485 
Brokered deposits may consist of CDs and non-maturity deposits. At December 31, 2025, we had $19.8 million brokered CDs. Brokered non-maturity deposits were $652.4 million at December 31, 2025 with a weighted average cost of 359 basis points. As of December 31, 2024, we had $115.7 million in brokered CDs and $627.1 million in brokered non-maturity deposits with a weighted average cost of 321 basis points. Our current policy allows for maximum brokered deposits of the lesser of $1.05 billion or 12% of total assets.  
At December 31, 2025 and 2024, we had approximately $6.0 million and $7.9 million, respectively, in deposits from related parties, including directors and named executive officers.
The aggregate amount of demand deposit overdrafts that have been reclassified as loans were $1.0 million and $1.2 million at December 31, 2025 and 2024, respectively.
v3.25.4
BORROWING ARRANGEMENTS
 12 Months Ended
Dec. 31, 2025
Debt Disclosure [Abstract]  
Debt Disclosure BORROWING ARRANGEMENTS
Information related to borrowings is provided in the table below (dollars in thousands):
December 31, 2025December 31, 2024
Other borrowings:  
Balance at end of period$208,657 $76,443 
Average amount outstanding during the period (1)
107,989 205,743 
Maximum amount outstanding during the period (2)
297,359 597,765 
Weighted average interest rate during the period (3)
4.5 %5.7 %
Interest rate at end of period (4)
3.6 %3.6 %
FHLB borrowings:  
Balance at end of period$211,136 $731,909 
Average amount outstanding during the period (1)
372,342 601,366 
Maximum amount outstanding during the period (2)
651,782 760,046 
Weighted average interest rate during the period (3)
3.7 %4.1 %
Interest rate at end of period (5)
2.9 %3.7 %
(1)The average amount outstanding during the period was computed by dividing the total daily outstanding principal balances by the number of days in the period.
(2)The maximum amount outstanding at any month-end during the period.
(3)The weighted average interest rate during the period was computed by dividing the actual interest expense by the average amount outstanding during the period. The weighted average interest rate on FHLB borrowings includes the effect of interest rate swaps.
(4)Stated rate.
(5)The interest rate on FHLB borrowings includes the effect of interest rate swaps.
Maturities of the obligations associated with our borrowing arrangements based on scheduled repayments at December 31, 2025 are as follows (in thousands):
Payments Due by Period
 Less than
1 Year		1-2 Years2-3 Years3-4 Years4-5 YearsThereafterTotal
Other borrowings$208,657 $— $— $— $— $— $208,657 
FHLB borrowings210,484 406 246 — — — 211,136 
Total obligations$419,141 $406 $246 $— $— $— $419,793 

Other borrowings may include federal funds purchased, repurchase agreements and borrowings from the Federal Reserve through the FRDW. Southside Bank has three unsecured lines of credit for the purchase of overnight federal funds at prevailing rates with Frost Bank, Amegy Bank, TIB – The Independent Bankers Bank for $40.0 million, $25.0 million and $15.0 million, respectively. There were no federal funds purchased at December 31, 2025 or 2024. To provide more liquidity in response to economic conditions in recent years, the Federal Reserve has encouraged broader use of the discount window. At December 31, 2025, the amount of additional funding the Bank could obtain from the FRDW, collateralized by securities, was approximately $241.8 million. There were $110.0 million in borrowings from the FRDW at December 31, 2025. There were no borrowings from the FRDW at December 31, 2024. Southside Bank has a $5.0 million line of credit with Frost Bank to be used to issue letters of credit, and at December 31, 2025, the line had one outstanding letter of credit for $155,000. Southside Bank currently has two outstanding letters of credit from FHLB held as collateral for loans totaling $6.2 million.
Southside Bank enters into sales of securities under repurchase agreements. These repurchase agreements totaled $98.7 million at December 31, 2025, and $76.4 million at December 31, 2024, and had maturities of less than one year. Repurchase agreements are secured by investment and MBS and are stated at the amount of cash received in connection with the transaction.
FHLB borrowings represent borrowings with fixed interest rates ranging from 1.26% to 4.80% (including the effect of interest rate swaps) and with remaining maturities of 5 days to 2.5 years at December 31, 2025.  FHLB borrowings may be collateralized by FHLB stock, nonspecified loans and/or securities. At December 31, 2025, the amount of additional funding Southside Bank could obtain from FHLB was approximately $2.45 billion, net of FHLB stock purchases required.
v3.25.4
LONG-TERM DEBT
 12 Months Ended
Dec. 31, 2025
Debt Disclosure [Abstract]  
LONG-TERM DEBT LONG-TERM DEBT
Information related to our long-term debt is summarized as follows for the periods presented (in thousands):
December 31, 2025December 31, 2024
Subordinated notes: (1)
3.875% Subordinated notes, net of unamortized debt issuance costs (2)
$92,190 $92,042 
7.00% Subordinated notes, net of unamortized debt issuance costs (3)
147,488 — 
Total Subordinated notes239,678 92,042 
Trust preferred subordinated debentures: (4)
Southside Statutory Trust III, net of unamortized debt issuance costs (5)
20,587 20,582 
Southside Statutory Trust IV23,196 23,196 
Southside Statutory Trust V12,887 12,887 
Magnolia Trust Company I3,609 3,609 
Total Trust preferred subordinated debentures60,279 60,274 
Total Long-term debt$299,957 $152,316 

(1)This debt consists of subordinated notes with a remaining maturity greater than one year that qualify under the risk-based capital guidelines as Tier 2 capital, subject to certain limitations.
(2)The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $810,000 at December 31, 2025 and $958,000 at December 31, 2024.
(3)The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $2.5 million at December 31, 2025.
(4)This debt consists of trust preferred securities that qualify under the risk-based capital guidelines as Tier 1 capital, subject to certain limitations.
(5)The unamortized debt issuance costs reflected in the carrying amount of the Southside Statutory Trust III junior subordinated debentures totaled $32,000 at December 31, 2025 and $37,000 at December 31, 2024.

As of December 31, 2025, the details of the subordinated notes and the trust preferred subordinated debentures are summarized below (dollars in thousands):
Date IssuedAmount IssuedFixed or Floating RateInterest RateMaturity Date
3.875% Subordinated Notes (1)
November 6, 2020$100,000 Fixed-to-Floating
3 month SOFR + 3.66%
November 15, 2030
7.00% Subordinated Notes
August 14, 2025$150,000 Fixed-to-Floating7.00%August 15, 2035
Southside Statutory Trust IIISeptember 4, 2003$20,619 Floating
3 month SOFR + 3.20%
September 4, 2033
Southside Statutory Trust IVAugust 8, 2007$23,196 Floating
3 month SOFR + 1.56%
October 30, 2037
Southside Statutory Trust VAugust 10, 2007$12,887 Floating
3 month SOFR + 2.51%
September 15, 2037
Magnolia Trust Company I (2)
May 20, 2005$3,609 Floating
3 month SOFR + 2.06%
November 23, 2035
(1)On April 4, 2024 and June 14, 2023, the Company repurchased $2.0 million and $5.0 million, respectively, of the $100.0 million fixed-to-floating rate subordinated notes that mature on November 15, 2030.
(2)On October 10, 2007, as part of an acquisition we assumed $3.6 million of floating rate junior subordinated debentures issued in 2005 to Magnolia Trust Company I.
On November 6, 2020, the Company issued $100.0 million in aggregate principal amount of fixed-to-floating rate subordinated notes that mature on November 15, 2030. This debt initially charged interest at a fixed rate of 3.875% per year through
November 14, 2025 and thereafter, adjusts quarterly at a floating rate equal to the then current three-month term SOFR, as published by the FRBNY, plus 366 basis points. The proceeds from the sale of the subordinated notes were used for general corporate purposes.
On August 14, 2025, the Company issued $150.0 million in aggregate principal amount of fixed-to-floating rate subordinated notes that mature on August 15, 2035. This debt initially bears interest at a fixed rate of 7.00% per year through August 15, 2030 and thereafter, adjusts quarterly at a floating rate equal to the then current three-month term SOFR, as published by the FRBNY, plus 357 basis points. The proceeds from the sale of the subordinated notes were used for general corporate purposes.
v3.25.4
EMPLOYEE BENEFITS
 12 Months Ended
Dec. 31, 2025
Employee Benefits Including Defined Benefit Plans and Share-based Compensation Plans [Abstract]  
EMPLOYEE BENEFITS EMPLOYEE BENEFITS
Deferred Compensation Agreements
Southside Bank has deferred compensation agreements with 28 of its executive officers, which generally provide for payment of an aggregate amount of $9.3 million over a maximum period of 15 years after retirement or death. Of the 28 executives included in the agreements, payments have commenced to nine former executives and/or their beneficiaries. Deferred compensation expense was $304,000, $330,000 and $86,000 for the years ended December 31, 2025, 2024 and 2023, respectively. At December 31, 2025 and 2024, the deferred compensation plan liability totaled $3.2 million.
Health Insurance
We provide accident and health insurance for substantially all employees through a self-funded insurance program.  The cost of health care benefits was $8.7 million, $8.9 million and $8.1 million for the years ended December 31, 2025, 2024 and 2023, respectively.
Employee Stock Ownership Plan
We have an ESOP which covers substantially all employees.  Contributions to the ESOP are at the sole discretion of the board of directors.  We contributed $1.0 million to the ESOP for the years ended December 31, 2025, 2024 and 2023. At December 31, 2025 and 2024, the ESOP owned 412,155 and 352,473 shares of common stock, respectively.  These shares are treated as externally held shares for dividend and earnings per share calculations.
Long-term Disability
We have an officer’s long-term disability income policy which provides coverage in the event they become disabled as defined under its terms.  Individuals are automatically covered under the policy if they (a) have been elected as an officer, and (b) have been an employee of Southside Bank for three years.  The policy provides, among other things, that should a covered individual become totally disabled he would receive two-thirds of his current salary, not to exceed $15,000 per month.  The benefits paid out of the policy are limited by the benefits paid to the individual under the terms of our other Company-sponsored benefit plans.
Split Dollar Agreements
We have split dollar agreements with six of our executive officers, two of which were actively employed with us as of December 31, 2025. The agreements provide we will be the beneficiary of BOLI insuring the executives’ lives. The agreements provide the executives the right to designate the beneficiaries of the death benefits guaranteed in each agreement. As of December 31, 2025, the estimated death benefits for the six executives totaled $6.2 million.  The agreements also state that after the executive’s retirement, we shall also pay an annual gross-up bonus to the executive in an amount sufficient to enable the executive to pay federal income tax on both the economic benefit and on the gross-up bonus. The expense required to record the post retirement liability associated with the split dollar post retirement bonuses was $4,000 for the year ended December 31, 2025, and a credit to expense of $28,000 and $95,000 for the years ended December 31, 2024 and 2023, respectively. For the years ended December 31, 2025 and 2024, the split dollar liability totaled $1.6 million.
401(k) Plan
We have a 401(k) Plan covering substantially all employees that permits each participant to make before- or after-tax contributions subject to certain limits imposed by the Internal Revenue Code. Beginning January 1, 2017, eligible employees may participate in the 401(k) Plan after they have worked at least 30 days with the Company.  For the years ended December 31, 2025, 2024 and 2023, expense attributable to the 401(k) Plan totaled $2.2 million.
Retirement Plans
We have a defined benefit pension plan pursuant to which participants are entitled to benefits based on final average monthly compensation and years of credited service determined in accordance with plan provisions.
We have a nonfunded supplemental retirement plan for our employees whose benefits under the principal retirement plan are reduced because of compensation deferral elections or limitations under federal tax laws.
Entrance into the Retirement Plan by new employees was frozen effective December 31, 2005.  Employees hired after December 31, 2005 are not eligible to participate in the Retirement Plan.  All remaining participants in the Retirement Plan are fully vested.  Benefits are payable monthly commencing on the later of age 65 or the participant’s date of retirement.  Eligible participants may retire at reduced benefit levels after reaching age 55.  We contribute amounts to the pension fund sufficient to satisfy funding requirements of the Employee Retirement Income Security Act. Effective December 31, 2020, all future benefit accruals and accrual of benefit service, including consideration of compensation increases, were frozen. No further benefits have been or will be earned by employees since that date.
Retirement Plan assets did not include any shares of our stock at December 31, 2025 or 2024. During 2025, our funded status improved, and at December 31, 2025, we had a funded status of $10.3 million compared to a funded status of $9.2 million at December 31, 2024. The improvement in the funded status was a result of a greater than expected return on the fair value of plan assets since December 31, 2024, partially offset by a decrease in the discount rate to better reflect the current market conditions at December 31, 2025 compared to December 31, 2024.
In connection with the acquisition of Omni, we acquired the OmniAmerican Bank Defined Benefit Plan which was remeasured at fair value. The Acquired Retirement Plan originally called for benefits to be paid to eligible employees at retirement based primarily upon years of service and the compensation levels at retirement. As of December 31, 2006, the benefits under the Acquired Retirement Plan were frozen by Omni. No further benefits have been or will be earned by employees since that date. In addition, no new participants may be added to the Acquired Retirement Plan after December 31, 2006. During 2025, our funded status remained relatively unchanged with a funded status of $1.1 million at December 31, 2025 and 2024. Subsequent to December 31, 2025, the Acquired Retirement Plan was merged with the Retirement Plan effective January 1, 2026.
We use a measurement date of December 31 for our plans.
Activity in our defined benefit pension plans and restoration plan were as follows (in thousands):
Years Ended December 31,
 202520242023
 Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan
 (in thousands)
Change in Projected Benefit Obligation:      
Benefit obligation at end of prior year$68,307 $2,057 $16,848 $73,165 $2,246 $16,176 $69,869 $2,379 $15,463 
Interest cost3,682 113 895 3,620 105 859 3,771 126 831 
Actuarial (gain) loss782 205 1,112 (4,182)(220)666 3,856 201 555 
Benefits paid(4,499)(69)(855)(4,296)(74)(853)(4,218)(61)(673)
Expenses paid— — — — — — (113)(88)— 
Settlements— (1,739)— — — — — (311)— 
Benefit obligation at end of year68,272 567 18,000 68,307 2,057 16,848 73,165 2,246 16,176 
Change in Plan Assets:      
Fair value of plan assets at end of prior year77,488 3,152 — 81,551 3,085 — 76,735 3,128 — 
Actual return on plan assets5,613 303 — 233 141 — 9,147 417 — 
Employer contributions— — 855 — — 853 — — 673 
Benefits paid(4,499)(69)(855)(4,296)(74)(853)(4,218)(61)(673)
Expenses paid— — — — — — (113)(88)— 
Settlements— (1,739)— — — — — (311)— 
Fair value of plan assets at end of year78,602 1,647 — 77,488 3,152 — 81,551 3,085 — 
(Un)Funded status at end of year10,330 1,080 (18,000)9,181 1,095 (16,848)8,386 839 (16,176)
Accrued benefit (liability) asset recognized$10,330 $1,080 $(18,000)$9,181 $1,095 $(16,848)$8,386 $839 $(16,176)
Accumulated benefit obligation at end of year$68,272 $567 $18,000 $68,307 $2,057 $16,848 $73,165 $2,246 $16,176 
Amounts related to our defined benefit pension plans and restoration plan recognized as a component of other comprehensive income (loss) were as follows (in thousands):
Years Ended December 31,
 202520242023
 Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan
Recognition of net loss$2,374 $— $85 $578 $— $51 $726 $— $30 
Recognition of gain due to settlement— (192)— — — — — (16)— 
Net gain (loss) occurring during the year757 (39)(1,112)(442)180 (666)718 29 (555)
 3,131 (231)(1,027)136 180 (615)1,444 13 (525)
Deferred tax (expense) benefit(658)49 216 (29)(37)129 (303)(3)110 
Other comprehensive income (loss), net of tax$2,473 $(182)$(811)$107 $143 $(486)$1,141 $10 $(415)

The noncash adjustment to the employee benefit plan assets and/or liabilities, consisting of changes in net loss, was $(2.1) million and $299,000 for the years ended December 31, 2025 and 2024, respectively.
Net amounts recognized in net periodic benefit cost and other comprehensive income (loss) were as follows (in thousands):
 December 31, 2025December 31, 2024
 Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan
Net loss$2,374 $— $85 $578 $— $51 
Deferred tax expense(498)— (18)(121)— (11)
Accumulated other comprehensive income (loss), net of tax$1,876 $— $67 $457 $— $40 
Amounts recognized as a component of accumulated other comprehensive income (loss) were as follows (in thousands):

 December 31, 2025December 31, 2024
 Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan
Net gain (loss)$(18,089)$62 $(4,153)$(21,220)$293 $(3,126)
Deferred tax (expense) benefit3,798 (12)872 4,456 (61)656 
Accumulated other comprehensive income (loss), net of tax$(14,291)$50 $(3,281)$(16,764)$232 $(2,470)

Net periodic pension cost and postretirement benefit cost included the following components (in thousands):
Years Ended December 31,
 202520242023
Retirement Plan: 
Interest cost$3,682 $3,620 $3,771 
Expected return on assets(4,074)(4,857)(4,573)
Net loss amortization2,374 578 726 
Net periodic benefit cost (income)$1,982 $(659)$(76)
Acquired Retirement Plan: 
Interest cost$113 $105 $126 
Expected return on assets(137)(180)(187)
Gain recognized due to settlement(192)— (16)
Net periodic benefit cost (income)$(216)$(75)$(77)
Restoration Plan:   
Interest cost$895 $859 $831 
Net loss amortization85 51 30 
Net periodic benefit cost$980 $910 $861 

The Retirement Plan and Acquired Retirement Plan assets, which consist primarily of marketable equity and debt instruments, are valued using market quotations in active markets for identical assets, or market quotations for similar assets in active or non-active markets.  The Retirement Plans’ obligations and the annual pension expense are determined by independent actuaries and through the use of a number of assumptions.  Key assumptions in measuring the Retirement Plans’ obligations include the discount rate and the estimated future return on plan assets.
The discount rate is determined by matching the future benefit payments of the Retirement Plans to a portfolio of high quality corporate bonds as of the measurement date, December 31, 2025. The expected long-term rate of return assumption reflects the average return expected based on the investment strategies and asset allocation of the assets invested to provide for the Retirement Plans’ liabilities.  We considered broad equity and bond indices, long-term return projections and actual long-term historical Plan performance when evaluating the expected long-term rate of return assumption.  
The assumptions used to determine the benefit obligation were as follows:
 December 31, 2025December 31, 2024
 Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan
Discount rate5.45 %5.75 %5.29 %5.58 %5.71 %5.47 %
The assumptions used to determine net periodic pension cost and postretirement benefit cost were as follows:
Years Ended December 31,
 202520242023
Retirement Plan:   
Discount rate5.58 %5.13 %5.46 %
Expected long-term rate of return on plan assets5.80 %6.13 %6.13 %
Acquired Retirement Plan:
Discount rate5.71 %5.13 %5.46 %
Expected long-term rate of return on plan assets6.30 %6.13 %6.13 %
Restoration Plan:   
Discount rate5.47 %5.13 %5.46 %

Material changes in pension benefit costs may occur in the future due to changes in these assumptions.  Future annual amounts could be impacted by changes in the number of Plan participants, changes in the level of benefits provided, changes in the discount rates, changes in the expected long-term rate of return, changes in the level of contributions to the Retirement Plan and other factors.
The major categories of assets in the Plan and the Acquired Retirement Plan are presented in the following table (in thousands).  Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 “Fair Value Measurements and Disclosures,” utilized to measure fair value (see “Note 12 – Fair Value Measurement”).  Our Restoration Plan is unfunded.
December 31, 2025December 31, 2024
Retirement
Plan		Acquired Retirement PlanRetirement
Plan		Acquired Retirement Plan
Level 1:
Cash and cash equivalents (1)
$1,205 $1,647 $— $— 
Equity securities:  
U.S. companies (2)
— — — 756 
International (3)
— — — 295 
Fixed income securities:
Corporate bonds (4)
— — — 2,030 
Real estate (5)
— — — 71 
Level 2:  
Cash equivalents— — 1,598 — 
Equity securities:
U.S. companies (6)
6,817 — 5,544 — 
International (6)
2,061 — 1,532 — 
Fixed income securities: 
Collective investment funds (7)
68,519 — 68,814 — 
Total fair value of plan assets$78,602 $1,647 $77,488 $3,152 
(1)The Acquired Retirement Plan assets were sold in December 2025 in preparation for the merger of the Acquired Retirement Plan with the Retirement Plan on January 1, 2026.
(2)This category consist of pooled separate accounts invested mainly in domestic stocks.
(3)This category is comprised of pooled separate accounts invested in mutual funds and international stocks.
(4)This category consist of pooled separate accounts invested in mutual funds, bonds and fixed income securities.
(5)This category is comprised of a pooled separate account invested in commercial real estate and includes mortgage loans which are backed by the associated properties.
(6)This category is comprised of collective investment funds invested in mutual funds.
(7)Funds invest principally in investment grade debt securities, including U.S. Government obligations, corporate bonds and mortgage and asset backed securities.
We did not have any plan assets with Level 3 input fair value measurements at December 31, 2025 or 2024.  
During the year ended December 31, 2024, we liquidated and reinvested the assets in the Retirement Plan using a liability-driven investment strategy. Our overall investment strategy is to realize long-term growth of the Retirement Plan within acceptable risk parameters, while funding benefit payments from dividend and interest income, to the extent possible.  The target allocations for plan assets are 86.9% fixed income, 11.1% equities and 2.0% cash equivalents. Equity securities are diversified among U.S. and international (both developed and emerging), large, mid and small caps, value and growth securities and REITs.  The investment objective of equity funds is long-term capital appreciation with current income.  Fixed income securities include government agencies, CDs, corporate bonds, municipal bonds and MBS.  The investment objective of fixed income funds is to maximize investment return while preserving investment principal.  Mutual funds are primarily used for equity and REITs because of the superior diversification they provide.
As of December 31, 2025, expected future benefit payments related to the Retirement Plan, the Acquired Retirement Plan and the Restoration Plan were as follows (in thousands):
 Retirement PlanAcquired Retirement PlanRestoration
Plan
2026$5,050 $15 $1,470 
20275,270 42 1,460 
20285,250 280 1,490 
20295,120 5 1,480 
20305,190 5 1,460 
2031 through 203525,010 6 7,050 
 $50,890 $353 $14,410 
We expect to contribute $1.5 million to our Restoration Plan in 2026. We do not expect to make additional contributions to the Retirement Plan or the Acquired Retirement Plan in 2026.
Share-based Incentive Plans
2025 Incentive Plan
On May 14, 2025, our shareholders approved the 2025 Incentive Plan, which is a stock-based incentive compensation plan.  A total of 1,200,000 shares of our common stock were reserved and available for issuance pursuant to awards granted under the 2025 Incentive Plan. Under the 2025 Incentive Plan, we are authorized to grant stock options, stock appreciation rights, restricted stock, restricted stock units, deferred stock units, performance awards, other stock-based awards, or any other right or interest relating to stock or cash, granted to selected employees, officers, directors or consultants of the Company and its affiliates. As of December 31, 2025, there were 1.1 million shares remaining available for grant for future awards.
All share data has been adjusted to give retroactive recognition to stock dividends, where applicable. Reference to incentive plans refers to the 2025 Incentive Plan and predecessor incentive plans.
Share-based compensation expense related to incentive plans and related income tax benefit are presented in the following table (in thousands):
Years Ended December 31,
202520242023
Share-based compensation expense - employees$2,462 $2,943 $3,193 
Related income tax benefits - employees$517 $618 $671 
Share-based compensation expense - directors$584 $580 $359 
Related income tax benefits - directors$123 $122 $75 

Unrecognized compensation expense related to incentive plans and related income tax benefit are presented in the following table (in thousands):
December 31, 2025
Total unrecognized compensation expense$6,877 
Weighted-average expected recognition period remaining (in years)2.5

The fair value of each NQSO is estimated on the date of grant using a Black-Scholes option pricing model. There were no NQSO grants during the years ended December 31, 2025, 2024 or 2023. The NQSOs have contractual terms of 10 years and vest in equal annual installments over either a three- or four-year period.
The fair value of each RSU is the ending stock price on the date of grant. RSUs granted to employees vest in equal annual installments over a period of between three and four years. Director RSUs vest after a period of one year. Directors may elect to defer the receipt of shares and instead receive them on a specified anniversary of grant date or upon the termination of their service on the Board.  
The fair value of each PSU is the ending stock price on the date of grant. PSUs granted to executive officers will cliff vest on the third anniversary of the grant date, subject to the grantee’s continued service on such date, and will be earned based on the Company’s ROATCE related to ROATCE of the KBW Nasdaq Regional Bank Index (NASDAQ: KRX), over a 3 year performance period. The PSUs may be earned between a minimum payout of 50%, based on a ROATCE performance threshold of 25th percentile of the Peer Group, a target payout of 100%, based on a ROATCE performance threshold of 50th percentile, and a maximum payout of 150%, based on a performance threshold of 75th percentile or greater. Share payout for performance between the minimum threshold, target and maximum is calculated on a straight line basis, and performance below the minimum threshold results in no share payout.
Each award is evidenced by an award agreement that specifies the option price, if applicable, the duration of the award, the number of shares to which the award pertains and such other provisions as the board of directors determines. Historically, shares issued in connection with stock compensation awards have been issued from available authorized shares. Beginning in the second quarter of 2017, shares were issued from available treasury shares.
Shares issued in connection with stock compensation awards along with other related information are presented in the following table (in thousands, except share amounts):
Years Ended December 31,
202520242023
New shares issued from available treasury shares133,036 149,060 99,109 
Proceeds from stock option exercises$693 $2,624 $1,082 
Intrinsic value of stock options exercised$63 $480 $229 
Fair value of restricted stock units vested$3,521 $2,187 $2,171 
    

A combined summary of activity in our share-based plans as of December 31, 2025 is presented below. Performance stock units outstanding are presented assuming attainment of the maximum payout rate as set forth by the performance criteria:
 Restricted Stock Units
Outstanding		Stock Options
 Outstanding
Service BasedPerformance Based
 Number
of Shares		Weighted-
Average
Grant-Date
Fair
Value		Number
of Shares		Weighted-
Average
Grant-Date
Fair
Value		Number
of Shares		Weighted-
Average
Exercise
 Price		Weighted-
Average
Grant-Date
Fair
Value
Balance, January 1, 2025252,028 $30.18 51,369 $35.69 520,613 $34.61 $6.57 
Granted156,602 29.48 32,409 33.48 — — — 
Stock options exercised— — — — (26,501)26.49 5.77 
Stock awards vested(109,069)31.44 (12,977)41.74 — — — 
Forfeited(11,959)30.78 (14,924)31.95 — — — 
Canceled/expired— — — — (63,658)35.05 6.65 
Balance, December 31, 2025287,602 $29.29 55,877 $33.33 430,454 $35.04 $6.60 
Other information regarding options outstanding and exercisable as of December 31, 2025 is as follows:
 Options OutstandingOptions Exercisable
Range of Exercise PricesNumber
of Shares		Weighted-
Average
Exercise
Price		Weighted-
Average
Remaining
Contractual
Life in Years		Number
of Shares		Weighted-
Average
Exercise
Price
$28.72 -$30.00 2,420 $28.72 0.462,420 $28.72 
30.01 -35.00 362,358 34.68 3.03362,358 34.68 
35.01 -37.28 65,676 37.28 0.9065,676 37.28 
Total430,454 $35.04 2.69430,454 $35.04 
The total intrinsic value of outstanding in-the-money stock options and outstanding in-the-money exercisable stock options was $4,000 for both at December 31, 2025. The weighted-average remaining contractual life of options exercisable at December 31, 2025 was 2.7 years.
v3.25.4
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES
 12 Months Ended
Dec. 31, 2025
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
DERIVATIVES INSTRUMENTS AND HEDGING ACTIVITIES DISCLOSURE DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES
Our hedging policy allows the use of interest rate derivative instruments to manage our exposure to interest rate risk or hedge specified assets and liabilities. These instruments may include interest rate swaps and interest rate caps and floors. All derivative instruments are carried on the balance sheet at their estimated fair value and are recorded in other assets or other liabilities, as appropriate. Derivative instruments may be designated as cash flow hedges of variable rate assets or liabilities, cash flow hedges of forecasted transactions, fair value hedges of a recognized asset or liability or as non-hedging instruments.
Cash Flow Hedges
Gains and losses on derivative instruments designated as cash flow hedges are recorded in AOCI to the extent they are effective. If the hedge is effective, the amount recorded in other comprehensive income is reclassified to interest expense in the same periods that the hedged cash flows impact earnings. We have entered into certain interest rate swap contracts on specific variable rate agreements and fixed rate short-term pay agreements with third-parties. These interest rate swap contracts were designated as hedging instruments in cash flow hedges under ASC Topic 815. The objective of the interest rate swap contracts is to manage the expected future cash flows on $860.0 million of Bank liabilities. The cash flows from the swap contracts are expected to be highly effective in hedging the variability in future cash flows attributable to fluctuations in the underlying SOFR rate. At December 31, 2025, the net losses recognized in AOCI that are expected to be reclassified into earnings within the next 12 months were $367,000.
In accordance with ASC Topic 815, if a hedging item is terminated prior to maturity for a cash settlement, the existing gain or loss within AOCI will continue to be reclassified into earnings during the period or periods in which the hedged forecasted transaction affects earnings unless it is probable that the forecasted transaction will not occur by the end of the originally specified time period. These transactions are reevaluated on a monthly basis to determine if the hedged forecasted transactions are still probable of occurring. If at a subsequent evaluation, it is determined that the transactions are probable of not occurring, any related gains or losses recorded in AOCI are immediately recognized in earnings. During the third quarter of 2024, we terminated three interest rate swap contracts designated as cash flow hedges, and during the second quarter of 2023, we terminated one interest rate swap contract designated as a cash flow hedge. At the time of termination, we determined the hedged forecasted transactions were still probable of occurring. The existing loss in AOCI will be reclassified into earnings in the same periods the hedged forecasted transaction affects earnings.
Fair Value Hedges
Gains and losses on derivative instruments designated as fair value hedges, as well as the change in fair value of the hedged item, are recorded in interest income in the consolidated statements of income. Gains and losses due to changes in fair value of the interest rate swap agreements offset changes in the fair value of the hedged portion of the hedged item. We have partial term fair value hedges for certain of our fixed rate callable AFS municipal securities and partial term fair value hedges of fixed rate AFS MBS and fixed rate loans using the portfolio layer method. This approach allows us to designate as the hedged item a stated amount of the assets that are not expected to be affected by prepayments, defaults and other factors affecting the timing and amount of cash flows. The fair value portfolio level hedging adjustment on our hedged MBS portfolio and hedged loan portfolio has not been attributed to the individual AFS securities or individual loans in our balance sheet. The instruments are designated as fair value hedges as the changes in the fair value of the interest rate swap are expected to partially offset changes in the fair value of the hedged item attributable to changes in the SOFR swap rate, the designated benchmark interest rate. These derivative contracts involve the receipt of floating rate interest from a counterparty in exchange for us making fixed-rate payments over the life of the agreement, without the exchange of the underlying notional value. Over the years, we terminated some of our securities fair value hedging relationships and sold the majority of the hedged items. As a result of the sale, during the year ended December 31, 2025 the cumulative adjustment to the carrying amount was a fair value loss of $1.2 million recognized in earnings and recorded in noninterest income. During the years ended December 31, 2024 and 2023, the cumulative adjustments to the carrying amount was a fair value net gain of $3.5 million and $6.5 million, respectively, recognized in earnings and recorded in noninterest income.
The following table presents the amounts recorded in the consolidated balance sheets related to the cumulative adjustments for fair value hedges (in thousands):
Amortized Cost of Hedged Assets (2)
Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of the Hedged Items
December 31, 2025December 31, 2024December 31, 2025December 31, 2024
Securities AFS (1) (3)
$1,091,568 $903,168 $1,142 $16,617 
Loans (1) (3)
239,990 265,845 (58)1,545 
(1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships under the portfolio layer method. The hedged item is a layer of the closed portfolio which is expected to be remaining at the end of the hedging relationship. As of December 31, 2025 and December 31, 2024, the amortized cost basis of the closed MBS portfolio used in these hedging relationships was $1.07 billion and $558.5 million, respectively, the amount of the designated hedged items were $301.0 million and $134.0 million, respectively, and the cumulative amount of fair value hedging adjustments associated with these MBS hedging relationships was a gain of $789,000 and $1.1 million, respectively. As of December 31, 2025 and December 31, 2024, the amortized cost basis of the closed loan portfolio used in these hedging relationships was $240.0 million and $265.8 million, respectively, the amount of the designated hedged items were $155.0 million for both periods, and the cumulative amount of fair value hedging adjustments associated with these loan hedging relationships was a loss of $58,000 and a gain of $1.5 million, respectively.
(2) Excludes fair value hedging adjustments.
(3) Excluded from the table above are the cumulative amount of fair value hedging adjustments for securities AFS and loans for which hedge accounting has been discontinued in the amounts of a loss of $740,000 and a loss of $3.0 million, respectively, at December 31, 2025, and a loss of $4.8 million and a loss of $3.7 million, respectively, at December 31, 2024.

Derivatives Designated as Non-Hedging Instruments
From time to time, we may enter into certain interest rate swaps, cap and floor contracts that are not designated as hedging instruments. These interest rate derivative contracts relate to transactions in which we enter into an interest rate swap, cap or floor with a customer while concurrently entering into an offsetting interest rate swap, cap or floor with a third-party financial institution. We agree to pay interest to the customer on a notional amount at a variable rate and receive interest from the customer on a similar notional amount at a fixed interest rate. At the same time, we agree to pay a third-party financial institution the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. These interest rate derivative contracts allow our customers to effectively convert a variable rate loan to a fixed rate loan. The changes in the fair value of the underlying derivative contracts primarily offset each other and do not significantly impact our results of operations. We recognized swap fee income associated with these derivative contracts immediately based upon the difference in the bid/ask spread of the underlying transactions with the customer and the third-party financial institution. The swap fee income is included in other noninterest income in our consolidated statements of income.
At December 31, 2025 and 2024, net derivative assets included $5.5 million and $49.9 million, respectively, of cash collateral received from counterparties under master netting agreements.
The notional amounts of the derivative instruments represent the contractual cash flows pertaining to the underlying agreements. These amounts are not exchanged and are not reflected in the consolidated balance sheets. The fair value of the interest rate swaps are presented at net in other assets and other liabilities and in the net change in each of these financial statement line items in the accompanying consolidated statements of cash flows when a right of offset exists, based on transactions with a single counterparty that are subject to a legally enforceable master netting agreement.
The following tables present the notional and estimated fair value amount of derivative positions outstanding (in thousands):
December 31, 2025December 31, 2024
Estimated Fair ValueEstimated Fair Value
Notional Amount (1)
Asset DerivativeLiability Derivative
Notional
Amount (1)
Asset DerivativeLiability Derivative
Derivatives designated as hedging instruments
Interest rate contracts:
Swaps-Cash Flow Hedge-Financial institution counterparties$860,000 $2,978 $3,641 $790,000 $12,625 $1,078 
Swaps-Fair Value Hedge-Financial institution counterparties480,110 862 161 602,950 18,331 217 
Derivatives designated as non-hedging instruments
Interest rate contracts:
Swaps-Financial institution counterparties706,372 13,212 7,100 408,749 21,534 1,321 
Swaps-Customer counterparties706,372 7,100 13,212 408,749 1,321 21,534 
Gross derivatives24,152 24,114 53,811 24,150 
Offsetting derivative assets/liabilities(10,902)(10,902)(2,616)(2,616)
Cash collateral received/posted(5,538)— (49,874)— 
Net derivatives included in the consolidated balance sheets (2)
$7,712 $13,212 $1,321 $21,534 
(1)    Notional amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected in the consolidated balance sheets.
(2)    Net derivative assets are included in other assets and net derivative liabilities are included in other liabilities on the consolidated balance sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and our credit risk. At December 31, 2025, we had $612,000 credit exposure related to interest rate swaps with financial institutions and $7.1 million related to interest rate swaps with customers. At December 31, 2024, we had no credit exposure related to interest rate swaps with financial institutions and $1.3 million related to interest rate swaps with customers. The credit risk associated with customer transactions is partially mitigated as these are generally secured by the non-cash collateral securing the underlying transaction being hedged.
The summarized expected weighted average remaining maturity of the notional amount of interest rate swaps and the weighted average interest rates associated with the amounts expected to be received or paid on interest rate swap agreements are presented below (dollars in thousands). Variable rates received on fixed pay swaps are based on overnight SOFR rates in effect at December 31, 2025 and December 31, 2024:
December 31, 2025December 31, 2024
Weighted AverageWeighted Average
Notional AmountRemaining Maturity
 (in years)		Receive Rate
Pay
Rate
Notional AmountRemaining Maturity
 (in years)		Receive RatePay
Rate
Swaps-Cash Flow hedge
Financial institution counterparties$860,000 1.33.83 %3.20 %$790,000 1.64.60 %2.62 %
Swaps-Fair Value hedge
Financial institution counterparties480,110 1.43.78 %3.47 %602,950 3.04.76 %3.33 %
Swaps-Non-hedging
Financial institution counterparties706,372 4.13.92 %3.54 %408,749 5.44.65 %3.39 %
Customer counterparties706,372 4.13.54 %3.92 %408,749 5.43.39 %4.65 %
The following table presents amounts included in the consolidated statements of income related to interest rate swap agreements (in thousands):
 Years Ended December 31,
 202520242023
Derivatives designated as hedging instruments
Swaps-Cash Flow hedge
Gain (loss) included in interest expense on deposits$4,935 $13,833 $15,225 
Gain (loss) included in interest expense on FHLB borrowings2,989 8,209 8,432 
Gain (loss) included in interest expense on other borrowings— — 887 
7,924 22,042 24,544 
Swaps-Fair Value hedge
Gain (loss) included in interest income on tax-exempt investment securities3,140 8,646 12,834 
Gain (loss) included in interest income on MBS1,432 1,167 — 
Gain (loss) included in interest income on loans959 999 — 
Derivatives designated as non-hedging instruments
Swaps-Non-hedging
Other noninterest income2,079 1,458 352 
v3.25.4
FAIR VALUE MEASUREMENT
 12 Months Ended
Dec. 31, 2025
Fair Value Disclosures [Abstract]  
FAIR VALUE MEASUREMENT FAIR VALUE MEASUREMENT
Fair value is the price that would be received upon the sale of an asset or paid to transfer a liability (exit price) in an orderly transaction between market participants.  A fair value measurement assumes the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability.  The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability is not adjusted for transaction costs.  An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is not a forced transaction.  Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact.
Valuation techniques including the market approach, the income approach and/or the cost approach are utilized to determine fair value.  Inputs to valuation techniques refer to the assumptions market participants would use in pricing the asset or liability.  Valuation policies and procedures are determined by our investment department and reported to our ALCO for review.  An entity must consider all aspects of nonperforming risk, including the entity’s own credit standing, when measuring fair value of a liability.  Inputs may be observable, meaning those that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources, or unobservable, meaning those that reflect the reporting entity’s own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances.  A fair value hierarchy for valuation inputs gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs.  The fair value hierarchy is as follows:
Level 1 Inputs - Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date.
Level 2 Inputs - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly.  These might include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, volatilities, prepayment speeds, credit risks, etc.) or inputs that are derived principally from or corroborated by market data by correlation or other means.
Level 3 Inputs - Unobservable inputs for determining the fair values of assets or liabilities that reflect an entity’s own assumptions about the assumptions that market participants would use in pricing the assets or liabilities.
Certain financial assets are measured at fair value in accordance with GAAP.  Adjustments to the fair value of these assets usually result from the application of fair value accounting or write-downs of individual assets. A description of the valuation methodologies used for assets and liabilities measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below.
Securities AFS and Equity Investments with readily determinable fair values – U.S. Treasury securities and equity investments with readily determinable fair values are reported at fair value utilizing Level 1 inputs.  Other securities classified as AFS are reported at fair value utilizing Level 2 inputs.  For most of these securities, we obtain fair value measurements from independent pricing services and obtain an understanding of the pricing methodologies used by these independent pricing services. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things, as stated in the pricing methodologies of the independent pricing services.
We review and validate the prices supplied by the independent pricing services for reasonableness by comparison to prices obtained from, in some cases, two additional third-party sources. For securities where prices are outside a reasonable range, we further review those securities, based on internal ALCO approved procedures, to determine what a reasonable fair value measurement is for those securities, given available data.
Derivatives – Derivatives are reported at fair value utilizing Level 2 inputs. We obtain fair value measurements from two sources including an independent pricing service and the counterparty to the derivatives designated as hedges.  The fair value measurements consider observable data that may include dealer quotes, market spreads, the U.S. Treasury yield curve, live trading levels, trade execution data, credit information and the derivatives’ terms and conditions, among other things. We review the prices supplied by the sources for reasonableness.  In addition, we obtain a basic understanding of their underlying pricing methodology.  We validate prices supplied by the sources by comparison to one another.
Certain nonfinancial assets and nonfinancial liabilities measured at fair value on a recurring basis include reporting units measured at fair value and tested for goodwill impairment.
Certain financial assets and financial liabilities are measured at fair value on a nonrecurring basis, which means that the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). Financial assets and financial liabilities measured at fair value on a nonrecurring basis included foreclosed assets and collateral-dependent loans at December 31, 2025 and 2024.
Foreclosed Assets – Foreclosed assets are initially recorded at fair value less costs to sell.  The fair value measurements of foreclosed assets can include Level 2 measurement inputs such as real estate appraisals and comparable real estate sales information, in conjunction with Level 3 measurement inputs such as cash flow projections, qualitative adjustments and sales cost estimates.  As a result, the categorization of foreclosed assets is Level 3 of the fair value hierarchy.  In connection with the measurement and initial recognition of certain foreclosed assets, we may recognize charge-offs through the allowance for credit losses.
Collateral-Dependent Loans – Certain loans may be reported at the fair value of the underlying collateral if repayment is expected substantially from the operation or sale of the collateral.  Collateral values are estimated using Level 3 inputs based on customized discounting criteria or appraisals. At December 31, 2025 and 2024, the impact of the fair value of collateral-dependent loans was reflected in our allowance for loan losses.
The fair value estimate of financial instruments for which quoted market prices are unavailable is dependent upon the assumptions used.  Consequently, those estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instruments.  Accordingly, the aggregate fair value amounts presented in the fair value tables do not necessarily represent their underlying value.

The following tables summarize assets measured at fair value on a recurring and nonrecurring basis segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value (in thousands):
  Fair Value Measurements at the End of the Reporting Period Using
December 31, 2025Carrying
Amount		Quoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other Observable Inputs
(Level 2)		Significant Unobservable Inputs
(Level 3)
Recurring fair value measurements    
Investment securities:    
State and political subdivisions$176,636 $— $176,636 $— 
Corporate bonds and other18,021 — 18,021 — 
MBS: (1)
  
Residential1,259,268 — 1,259,268 — 
Commercial2,294 — 2,294 — 
Equity investments:
Equity investments5,426 5,426 — — 
Derivative assets:
Interest rate swaps24,152 — 24,152 — 
Total asset recurring fair value measurements$1,485,797 $5,426 $1,480,371 $— 
Derivative liabilities:
Interest rate swaps$24,114 $— $24,114 $— 
Total liability recurring fair value measurements$24,114 $— $24,114 $— 
Nonrecurring fair value measurements    
Foreclosed assets$248 $— $— $248 
Collateral-dependent loans (2)
37,200 — — 37,200 
Total asset nonrecurring fair value measurements$37,448 $— $— $37,448 
  Fair Value Measurements at the End of the Reporting Period Using
December 31, 2024Carrying
Amount		Quoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other Observable Inputs
(Level 2)		Significant Unobservable Inputs
(Level 3)
Recurring fair value measurements    
Investment securities:    
U.S. Treasury$173,956 $173,956 $— $— 
State and political subdivisions414,332 — 414,332 — 
Corporate bonds and other14,508 — 14,508 — 
MBS: (1)
    
Residential926,386 — 926,386 — 
Commercial4,712 — 4,712 — 
Equity investments:
Equity investments5,257 5,257 — — 
Derivative assets:
Interest rate swaps53,811 — 53,811 — 
Total asset recurring fair value measurements$1,592,962 $179,213 $1,413,749 $— 
Derivative liabilities:
Interest rate swaps$24,150 $— $24,150 $— 
Total liability recurring fair value measurements$24,150 $— $24,150 $— 
Nonrecurring fair value measurements    
Foreclosed assets$402 $— $— $402 
Collateral-dependent loans (2)
6,726 — — 6,726 
Total asset nonrecurring fair value measurements$7,128 $— $— $7,128 
(1)All MBS are issued and/or guaranteed by U.S. government agencies or U.S. GSEs.
(2)Consists of individually evaluated loans. Loans for which the fair value of the collateral and commercial real estate fair value of the properties is less than cost basis are presented net of allowance. Losses on these loans represent charge-offs which are netted against the allowance for loan losses.
Disclosure of fair value information about financial instruments, whether or not recognized in the balance sheet, is required when it is practicable to estimate that value.  In cases where quoted market prices are not available, fair values are based on estimates using present value or other estimation techniques.  Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.  Such techniques and assumptions, as they apply to individual categories of our financial instruments, are as follows:
Cash and cash equivalents – The carrying amount for cash and cash equivalents is a reasonable estimate of those assets’ fair value.
Investment and MBS HTM – Fair values for these securities are based on quoted market prices, where available.  If quoted market prices are not available, fair values are based on quoted market prices for similar securities or estimates from independent pricing services.
FHLB stock – The carrying amount of FHLB stock is a reasonable estimate of the fair value of those assets.
Equity investments – The carrying value of equity investments without readily determinable fair values are measured at cost less impairment, if any, adjusted for observable price changes for an identical or similar investment of the same issuer. This carrying value is a reasonable estimate of the fair value of those assets.
Loans receivable – We estimate the fair value of our loan portfolio to an exit price notion with adjustments for liquidity, credit and prepayment factors. Nonperforming loans continue to be estimated using discounted cash flow analyses or the underlying value of the collateral where applicable.
Loans held for sale – The fair value of loans held for sale is determined based on expected proceeds, which are based on sales contracts and commitments.
Deposit liabilities – The fair value of demand deposits, savings accounts and certain money market deposits is the amount on demand at the reporting date, which is the carrying value.  Fair values for fixed rate CDs are estimated using a discounted cash flow calculation that applies interest rates currently being offered for deposits of similar remaining maturities.
Other borrowings – Federal funds purchased generally have original terms to maturity of one day and repurchase agreements generally have terms of less than one year, and therefore both are considered short-term borrowings. Consequently, their carrying value is a reasonable estimate of fair value. Borrowings from the Federal Reserve through the FRDW have original maturities of one year or less, and the fair value is estimated by discounting the future cash flows using rates at which borrowings would be made to borrowers with similar credit ratings and for the same remaining maturities.
FHLB borrowings – The fair value of these borrowings is estimated by discounting the future cash flows using rates at which borrowings would be made to borrowers with similar credit ratings and for the same remaining maturities.
Subordinated notes – The fair value of the subordinated notes is estimated by discounting future cash flows using estimated rates at which long-term debt would be made to borrowers with similar credit ratings and for the remaining maturities.
Trust preferred subordinated debentures – The fair value of the long-term debt is estimated by discounting future cash flows using estimated rates at which long-term debt would be made to borrowers with similar credit ratings and for the remaining maturities.
The following tables present our financial assets and financial liabilities measured on a nonrecurring basis at both their respective carrying amounts and estimated fair value (in thousands):
  Estimated Fair Value
December 31, 2025Carrying
Amount		TotalLevel 1Level 2Level 3
Financial assets:     
Cash and cash equivalents$389,786 $389,786 $389,786 $— $— 
Investment securities:
HTM, at net carrying value1,141,570 1,003,373 — 1,003,373 — 
MBS:
HTM, at carrying value105,907 99,931 — 99,931 — 
FHLB stock, at cost 14,062 14,062 — 14,062 — 
Equity investments4,148 4,148 — 4,148 — 
Loans, net of allowance for loan losses4,772,891 4,700,476 — — 4,700,476 
Loans held for sale1,332 1,332 — 1,332 — 
Financial liabilities:
Deposits$6,865,159 $6,865,692 $— $6,865,692 $— 
Other borrowings208,657 208,635 — 208,635 — 
FHLB borrowings211,136 210,859 — 210,859 — 
Subordinated notes, net of unamortized debt issuance costs239,678 243,304 — 243,304 — 
Trust preferred subordinated debentures, net of unamortized debt issuance costs60,279 57,710 — 57,710 — 
  Estimated Fair Value
December 31, 2024Carrying
Amount		TotalLevel 1Level 2Level 3
Financial assets:     
Cash and cash equivalents$426,161 $426,161 $426,161 $— $— 
Investment securities:   
HTM, at net carrying value1,165,007 1,009,778 — 1,009,778 — 
MBS:     
HTM, at carrying value114,227 103,704 — 103,704 — 
FHLB stock, at cost 33,818 33,818 — 33,818 — 
Equity investments4,210 4,210 — 4,210 — 
Loans, net of allowance for loan losses4,616,713 4,499,646 — — 4,499,646 
Loans held for sale1,946 1,946 — 1,946 — 
Financial liabilities:    
Deposits$6,654,248 $6,646,510 $— $6,646,510 $— 
Other borrowings76,443 76,399 — 76,399 — 
FHLB borrowings731,909 727,177 — 727,177 — 
Subordinated notes, net of unamortized debt issuance costs92,042 88,999 — 88,999 — 
Trust preferred subordinated debentures, net of unamortized debt issuance costs60,274 56,172 — 56,172 — 
v3.25.4
SHAREHOLDERS' EQUITY
 12 Months Ended
Dec. 31, 2025
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
SHAREHOLDERS' EQUITY SHAREHOLDERS’ EQUITY
Cash dividends declared and paid were $1.44, $1.44 and $1.42 per share for the years ended December 31, 2025, 2024 and 2023, respectively.  Future dividends will depend on our earnings, financial condition and other factors which the board of directors considers to be relevant.  Our dividend policy requires that any cash dividend payments made may not exceed consolidated earnings for that year.
We are subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on our financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, we must meet specific capital guidelines that involve quantitative measures of our assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices.  Our capital amounts and classification are also subject to qualitative judgments by the regulators regarding components, risk weightings and other factors.
Quantitative measures established by regulation to ensure capital adequacy require us to maintain minimum amounts and ratios (set forth in the table below) of Common Equity Tier 1, Tier 1 and Total Capital (as defined in the regulations) to risk-weighted assets (as defined) and of Tier 1 Capital (as defined) to average assets (as defined).  At December 31, 2025, we exceeded all regulatory minimum capital requirements.
As of December 31, 2025, the most recent notification from the FDIC categorized us as well capitalized under the regulatory framework for prompt corrective action.  To be categorized as well capitalized we must maintain minimum Common Equity Tier 1 risk-based, Tier 1 risk-based, Total risk-based and Tier 1 leverage ratios as set forth in the following table (dollars in thousands).  There are no conditions or events since that notification that management believes have changed our category.
 ActualFor Capital
Adequacy Purposes		To Be Well Capitalized
Under Prompt
Corrective Action
Provisions
 AmountRatioAmountRatioAmountRatio
December 31, 2025
Common Equity Tier 1 (to Risk Weighted Assets)
Consolidated$744,172 12.87 %$260,186 4.50 %N/AN/A
Bank Only$962,990 16.66 %$260,102 4.50 %$375,703 6.50 %
Tier 1 Capital (to Risk Weighted Assets)      
Consolidated$802,640 13.88 %$346,915 6.00 %N/AN/A
Bank Only$962,990 16.66 %$346,803 6.00 %$462,403 8.00 %
Total Capital (to Risk Weighted Assets)      
Consolidated$1,072,160 18.54 %$462,553 8.00 %N/AN/A
Bank Only$1,011,270 17.50 %$462,403 8.00 %$578,004 10.00 %
Tier 1 Capital (to Average Assets) (1)
      
Consolidated$802,640 9.72 %$330,251 4.00 %N/AN/A
Bank Only$962,990 11.67 %$329,998 4.00 %$412,498 5.00 %
December 31, 2024      
Common Equity Tier 1 (to Risk Weighted Assets)
Consolidated$739,351 13.04 %$255,228 4.50 %N/AN/A
Bank Only$870,541 15.35 %$255,183 4.50 %$368,598 6.50 %
Tier 1 Capital (to Risk Weighted Assets)      
Consolidated$797,814 14.07 %$340,304 6.00 %N/AN/A
Bank Only$870,541 15.35 %$340,244 6.00 %$453,659 8.00 %
Total Capital (to Risk Weighted Assets)      
Consolidated$935,308 16.49 %$453,739 8.00 %N/AN/A
Bank Only$915,993 16.15 %$453,659 8.00 %$567,074 10.00 %
Tier 1 Capital (to Average Assets) (1)
      
Consolidated$797,814 9.67 %$330,155 4.00 %N/AN/A
Bank Only$870,541 10.55 %$330,042 4.00 %$412,553 5.00 %
(1)    Refers to quarterly average assets as calculated in accordance with policies established by bank regulatory agencies.
Our payment of dividends is limited under regulation.  The amount that can be paid in any calendar year without prior approval of our regulatory agencies cannot exceed the lesser of net profits (as defined) for that year plus the net profits for the preceding two calendar years or retained earnings.
v3.25.4
DIVIDEND REINVESTMENT AND COMMON STOCK REPURCHASE PLAN
 12 Months Ended
Dec. 31, 2025
Dividend Reinvestment and Common Stock Repurchase Plan [Abstract]  
DIVIDEND REINVESTMENT AND COMMON STOCK REPURCHASE PLAN DIVIDEND REINVESTMENT AND COMMON STOCK REPURCHASE PLAN
We have in effect a DRIP which allows enrolled shareholders to reinvest dividends paid to them by the Company into new shares of our stock.  The DRIP is funded by stock authorized but not yet issued.  For the year ended December 31, 2025, 32,086 shares were issued under this plan at an average price per share of $29.73, reflective of other trades at the time of each sale.  For the years ended December 31, 2024 and December 31, 2023, 38,286 and 38,884 shares, respectively, were issued under this plan at an average price per share of $30.29 and $31.48, respectively, reflective of other trades at the time of each sale.
We repurchased 820,931 shares of our common stock at a cost of $23.4 million during the year ended December 31, 2025, 57,966 shares of common stock at a cost of $1.5 million during the year ended December 31, 2024, and 1,435,193 shares of common stock at a cost of $45.1 million during the year ended December 31, 2023. Repurchased shares are designated as treasury shares and are available for general corporate purposes, which may include possible use in connection with our share-based incentive plans and other distributions. Our board of directors continually evaluates the Company's capital needs and those of the Bank and may, at its discretion, initiate, modify or discontinue an authorized repurchase plan without notice.
v3.25.4
INCOME TAXES
 12 Months Ended
Dec. 31, 2025
Income Tax Disclosure [Abstract]  
INCOME TAXES INCOME TAXES
The income tax expense included in the accompanying consolidated statements of income consists of the following (in thousands):
 Years Ended December 31,
 202520242023
Current income tax expense$13,761 $19,909 $16,547 
Deferred income tax expense (benefit)(351)(1,026)(2,110)
Income tax expense$13,410 $18,883 $14,437 
The components of the net deferred tax asset/liability as of December 31, 2025 and 2024 are summarized below (in thousands):
 AssetsLiabilities
Allowance for loan losses$9,471 $
Retirement and other benefit plans 2,198 
Premises and equipment8,359 
Operating lease liabilities3,010 
Operating lease ROU assets2,604 
Core deposit intangible49 
Unrealized losses on securities AFS20,803 
Effective hedging derivatives309 
Fair value adjustment on loans327 
Unfunded status of defined benefit plan4,658  
State business tax credit60  
Stock-based compensation1,189  
Other442 
Gross deferred tax assets/liabilities40,269 13,210 
Net deferred tax asset at December 31, 2025$27,059 
Allowance for loan losses$9,426 $
Retirement and other benefit plans 2,674 
Premises and equipment 8,196 
Operating lease liabilities3,313 
Operating lease ROU assets2,911 
Core deposit intangible132 
Unrealized losses on securities AFS33,466 
Effective hedging derivatives4,926 
Fair value adjustment on loans385 
Unfunded status of defined benefit plan5,051  
State business tax credit121  
Stock-based compensation1,404  
Other165 
Gross deferred tax assets/liabilities53,331 18,839 
Net deferred tax asset at December 31, 2024$34,492 
A reconciliation of tax at statutory rates and total tax expense is as follows (dollars in thousands):
 Years Ended December 31,
 202520242023
 AmountPercent of Pre-Tax IncomeAmountPercent of Pre-Tax IncomeAmountPercent of Pre-Tax Income
Statutory tax expense$17,352 21.0 %$22,549 21.0 %$21,237 21.0 %
State business tax (1)
424 0.5 %883 0.8 %353 0.3 %
Nontaxable or Nondeductible Items:      
Tax exempt interest(3,954)(4.8)%(3,797)(3.5)%(6,107)(6.0)%
BOLI(762)(0.9)%(893)(0.8)%(1,222)(1.2)%
Other, net350 0.4 %141 0.1 %176 0.2 %
Income tax expense$13,410 16.2 %$18,883 17.6 %$14,437 14.3 %
(1) State taxes in Texas made up the majority (greater than 50%) of the tax effect in this category.
We file income tax returns in the U.S. federal jurisdiction and in certain states.  Federal taxes paid, net of refunds, totaled $12.0 million for the year December 31, 2025, and state income taxes paid, net of refunds, totaled $1.0 million for the year ended December 31, 2025, of which $936,000 was for the state of Texas. We are no longer subject to U.S. federal income tax examinations by tax authorities for years before 2022 or Texas state tax examinations by tax authorities for years before 2021.  No valuation allowance was recorded at December 31, 2025 or 2024 as management believes it is more likely than not that all of the deferred tax asset items will be realized in future years. Unrecognized tax benefits were not material at December 31, 2025 or 2024.
v3.25.4
LEASES
 12 Months Ended
Dec. 31, 2025
Leases [Abstract]  
Leases LEASES
We lease certain retail- and full-service branch locations, ATM locations and certain equipment.  Short-term leases, leases with an initial term of 12 months or less and do not contain a purchase option that is likely to be exercised, are not recorded on the balance sheet. Operating lease cost, which is comprised of the amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term and is included in net occupancy expense on our consolidated statements of income. We evaluate the lease term by assuming the exercise of options to extend that are reasonably assured and those option periods covered by an option to terminate the lease, if deemed not reasonably certain to be exercised. The lease term is used to determine the straight-line expense and limits the depreciable life of any related leasehold improvements. Certain leases require us to pay real estate taxes, insurance, maintenance and other operating expenses associated with the leased premises. These expenses are classified in net occupancy expense on our consolidated statements of income, consistent with similar costs for owned locations, but is not included in operating lease cost below.
Our leases have remaining lease terms ranging from 2 months to 14.7 years, some of which include options to extend for up to 10 years, and some of which include options to terminate within 90 days. We calculate the lease liability using a discount rate that represents our incremental borrowing rate at the lease commencement date.
Balance sheet information related to leases was as follows (in thousands):
 December 31, 2025December 31, 2024
Operating leases: 
Operating lease ROU assets$12,398 $13,860 
Operating lease liabilities$14,335 $15,779 
The components of lease cost were as follows (in thousands):
Years Ended December 31,
202520242023
Operating lease cost$1,845 $1,858 $1,802 


Supplemental cash flow information related to leases was as follows (in thousands):
 Years Ended December 31,
202520242023
Cash paid for amounts included in the measurement of the lease liabilities:
Operating cash flows for operating leases$1,827 $1,799 $1,716 
ROU assets obtained in exchange for new operating lease liabilities$— $556 $809 


Additional information related to leases was as follows:
 December 31, 2025December 31, 2024
Weighted average remaining lease term (in years)11.512.1
Weighted average discount rate3.47 %3.31 %
Future minimum rental commitments due under non-cancelable operating leases at December 31, 2025 were as follows (in thousands):
Year ending December 31,
2026$1,818 
20271,707 
20281,676 
20291,508 
20301,329 
2031 and thereafter9,488 
Total lease payments17,526 
Less: Interest(3,191)
Present value of lease liabilities$14,335 
We also lease certain of our owned facilities or portions thereof to third parties. Our primary leased facility is a 202,000 square-foot office building in Fort Worth, Texas that is used for a branch location and certain bank operations. We occupy approximately 35,000 square feet of the building and lease the remaining space to various tenants. Some of these leases contain options to extend and options to terminate at the discretion of the tenant.
Operating lease income received from tenants who rent our properties is reported as a reduction to occupancy expense on our consolidated statements of income. The underlying assets associated with these operating leases are included in premises and equipment on our consolidated balance sheets.
Gross rental income from these leases were as follows (in thousands):
 Years Ended December 31,
202520242023
Gross rental income$3,061 $3,151 $3,584 

At December 31, 2025, non-cancelable operating leases with future minimum lease payments are as follows (in thousands):
Year ending December 31,
2026$4,100 
20273,421 
20282,576 
20292,236 
20301,864 
2031 and thereafter6,167 
Total lease payments$20,364 
Leases LEASES
We lease certain retail- and full-service branch locations, ATM locations and certain equipment.  Short-term leases, leases with an initial term of 12 months or less and do not contain a purchase option that is likely to be exercised, are not recorded on the balance sheet. Operating lease cost, which is comprised of the amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term and is included in net occupancy expense on our consolidated statements of income. We evaluate the lease term by assuming the exercise of options to extend that are reasonably assured and those option periods covered by an option to terminate the lease, if deemed not reasonably certain to be exercised. The lease term is used to determine the straight-line expense and limits the depreciable life of any related leasehold improvements. Certain leases require us to pay real estate taxes, insurance, maintenance and other operating expenses associated with the leased premises. These expenses are classified in net occupancy expense on our consolidated statements of income, consistent with similar costs for owned locations, but is not included in operating lease cost below.
Our leases have remaining lease terms ranging from 2 months to 14.7 years, some of which include options to extend for up to 10 years, and some of which include options to terminate within 90 days. We calculate the lease liability using a discount rate that represents our incremental borrowing rate at the lease commencement date.
Balance sheet information related to leases was as follows (in thousands):
 December 31, 2025December 31, 2024
Operating leases: 
Operating lease ROU assets$12,398 $13,860 
Operating lease liabilities$14,335 $15,779 
The components of lease cost were as follows (in thousands):
Years Ended December 31,
202520242023
Operating lease cost$1,845 $1,858 $1,802 


Supplemental cash flow information related to leases was as follows (in thousands):
 Years Ended December 31,
202520242023
Cash paid for amounts included in the measurement of the lease liabilities:
Operating cash flows for operating leases$1,827 $1,799 $1,716 
ROU assets obtained in exchange for new operating lease liabilities$— $556 $809 


Additional information related to leases was as follows:
 December 31, 2025December 31, 2024
Weighted average remaining lease term (in years)11.512.1
Weighted average discount rate3.47 %3.31 %
Future minimum rental commitments due under non-cancelable operating leases at December 31, 2025 were as follows (in thousands):
Year ending December 31,
2026$1,818 
20271,707 
20281,676 
20291,508 
20301,329 
2031 and thereafter9,488 
Total lease payments17,526 
Less: Interest(3,191)
Present value of lease liabilities$14,335 
We also lease certain of our owned facilities or portions thereof to third parties. Our primary leased facility is a 202,000 square-foot office building in Fort Worth, Texas that is used for a branch location and certain bank operations. We occupy approximately 35,000 square feet of the building and lease the remaining space to various tenants. Some of these leases contain options to extend and options to terminate at the discretion of the tenant.
Operating lease income received from tenants who rent our properties is reported as a reduction to occupancy expense on our consolidated statements of income. The underlying assets associated with these operating leases are included in premises and equipment on our consolidated balance sheets.
Gross rental income from these leases were as follows (in thousands):
 Years Ended December 31,
202520242023
Gross rental income$3,061 $3,151 $3,584 

At December 31, 2025, non-cancelable operating leases with future minimum lease payments are as follows (in thousands):
Year ending December 31,
2026$4,100 
20273,421 
20282,576 
20292,236 
20301,864 
2031 and thereafter6,167 
Total lease payments$20,364 
v3.25.4
OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES
 12 Months Ended
Dec. 31, 2025
Commitments and Contingencies Disclosure [Abstract]  
OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES
Financial Instruments with Off-Balance-Sheet Risk. In the normal course of business, we are a party to certain financial instruments with off-balance-sheet risk to meet the financing needs of our customers. These off-balance-sheet instruments include commitments to extend credit and standby letters of credit.  These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount reflected in the financial statements.  The contract or notional amounts of these instruments reflect the extent of involvement and exposure to credit loss that we have in these particular classes of financial instruments. The allowance for credit losses on these off-balance-sheet credit exposures is calculated using the same methodology as loans including a conversion or usage factor to anticipate ultimate exposure and expected losses and is included in other liabilities on our consolidated balance sheets.
Allowance for off-balance-sheet credit exposures were as follows (in thousands):
Years Ended December 31,
202520242023
Balance at beginning of period$3,141 $3,932 $3,687 
Provision for (reversal of) off-balance-sheet credit exposures25 (791)245 
Balance at end of period$3,166 $3,141 $3,932 

Contractual commitments to extend credit are agreements to lend to a customer provided the terms established in the contract are met.  Commitments to extend credit generally have fixed expiration dates and may require the payment of fees.  Since some commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. These guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in commitments to extend credit and similarly do not necessarily represent future cash obligations.
Financial instruments with off-balance-sheet risk were as follows (in thousands):
 December 31, 2025December 31, 2024
  
Commitments to extend credit$840,794 $865,178 
Standby letters of credit19,456 16,532 
Total$860,250 $881,710 

We apply the same credit policies in making commitments to extend credit and standby letters of credit as we do for on-balance-sheet instruments.  We evaluate each customer’s creditworthiness on a case-by-case basis.  The amount of collateral obtained, if deemed necessary, upon extension of credit is based on management’s credit evaluation of the borrower.  Collateral held varies but may include cash or cash equivalents, negotiable instruments, real estate, accounts receivable, inventory, oil, gas and mineral interests, property, plant and equipment.
Securities. In the normal course of business we buy and sell securities.  At December 31, 2025 and December 31, 2024, there were no unsettled trades to purchase securities and nounsettled trades to sell securities.
Deposits. There were no unsettled issuances of brokered CDs at December 31, 2025 or December 31, 2024.
Litigation. We are involved with various litigation in the normal course of business.  Management, after consulting with our legal counsel, believes that any liability resulting from litigation will not have a material effect on our financial position, results of operations or liquidity.
v3.25.4
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK
 12 Months Ended
Dec. 31, 2025
Risks and Uncertainties [Abstract]  
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK
Although we have a diversified loan portfolio, a significant portion of our loans are collateralized by real estate.  Repayment of these loans is in part dependent upon the economic conditions in the market area.  Our market areas primarily include East and Southeast Texas, as well as the greater Dallas-Fort Worth, Austin and Houston, Texas areas. Part of the risk associated with real estate loans has been mitigated since 18.2% of this group represents loans collateralized by residential dwellings that are primarily owner occupied.  Losses on this type of loan have historically been less than those on speculative properties.  Many of the remaining real estate loans are collateralized primarily with non-owner occupied commercial real estate. 
The MBS we hold consist exclusively of U.S. agency securities which are either directly or indirectly backed by the full faith and credit of the U.S. Government or guaranteed by GSEs.  The GNMA MBS are backed by the full faith and credit of the U.S. Government. The Fannie Mae and Freddie Mac U.S. agency GSE guaranteed MBS are not backed by the full faith and credit of the U.S. government.
v3.25.4
Segment Reporting
 12 Months Ended
Dec. 31, 2025
Segment Reporting [Abstract]  
Segment Reporting Disclosure SEGMENT REPORTING
Operating segments are components of a public entity about which separate financial information is available that is evaluated regularly by the chief operating decision maker in deciding how to allocate resources and in assessing performance. The Bank is the only significant subsidiary upon which management makes decisions regarding how to allocate resources and assess performance. Individual bank branches across our market areas offer a full range of financial services to individuals, businesses, municipal entities and nonprofit organizations in the communities that we serve. These services include consumer and commercial loans, deposit accounts, wealth management, trust and brokerage services.
Our consumer loan services include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans and other consumer related loans. Commercial loan services include short-term working capital loans for inventory and accounts receivable, short- and medium-term loans for equipment or other business capital expansion, commercial real estate loans and municipal loans. We also offer construction loans for 1-4 family residential and commercial real estate.
We offer a variety of deposit accounts with a wide range of interest rates and terms, including savings, money market, interest and noninterest bearing checking accounts and CDs.
Our trust and wealth management services include investment management, administration of irrevocable, revocable and testamentary trusts, estate administration, and custodian services, primarily for individuals and, to a lesser extent, partnerships and corporations. Additionally, we offer retirement and employee benefit accounts, including but not limited to, IRAs, 401(k) plans and profit-sharing plans.
While the chief operating decision maker monitors the revenue streams of the various products and services, operations are managed and financial performance is evaluated on a Company-wide basis. The Company has determined that all of its market areas consisting of East Texas, Southeast Texas, as well as the greater Dallas-Fort Worth, Austin and Houston, Texas areas, meet the aggregation criteria in accordance with GAAP since each of its banking market areas offer similar products and services, operate in a similar manner, have similar customers, report to the same regulatory authority and are located in a single geographic area (Texas). Accordingly, all of the community banking services and branch locations are considered by management to be aggregated into one reportable operating segment, community banking. The Company’s chief operating decision maker, the President and Chief Executive Officer, uses consolidated net income results to make operating and strategic decisions. See the consolidated statements of income for significant expenses and net income. The measure of segment assets is reported on the consolidated balance sheets as total assets.
The accounting policies are described in the summary of significant accounting policies. Refer to “Note 1 – Summary of Significant Accounting and Reporting Policies” to our consolidated financial statements included in this report for a detailed description of our accounting policies.
v3.25.4
PARENT COMPANY FINANCIAL INFORMATION
 12 Months Ended
Dec. 31, 2025
Condensed Financial Information Disclosure [Abstract]  
PARENT COMPANY FINANCIAL INFORMATION PARENT COMPANY FINANCIAL INFORMATION
Condensed financial information for Southside Bancshares, Inc. (parent company only) was as follows (in thousands, except share amounts):
CONDENSED BALANCE SHEETSDecember 31,
 20252024
ASSETS  
Cash and due from banks$77,643 $17,360 
Investment in bank subsidiaries at equity in underlying net assets1,064,248 940,948 
Investment in nonbank subsidiaries at equity in underlying net assets1,826 1,826 
Other assets9,225 5,342 
Total assets$1,152,942 $965,476 
LIABILITIES AND SHAREHOLDERS’ EQUITY  
Subordinated notes, net of unamortized debt issuance costs$239,678 $92,042 
Trust preferred subordinated debentures, net of unamortized debt issuance costs60,279 60,274 
Other liabilities5,370 1,218 
Total liabilities305,327 153,534 
Shareholders’ equity:  
Common stock: ($1.25 par value, 80,000,000 shares authorized, 38,110,078 shares issued at December 31, 2025 and 38,077,992 shares issued at December 31, 2024)
47,638 47,598 
Paid-in capital795,759 793,586 
Retained earnings352,193 326,793 
Treasury stock: (shares at cost, 8,387,077 at December 31, 2025 and 7,699,182 at December 31, 2024)
(252,358)(231,137)
AOCI(95,617)(124,898)
Total shareholders’ equity847,615 811,942 
Total liabilities and shareholders’ equity$1,152,942 $965,476 


CONDENSED STATEMENTS OF INCOME
 Years Ended December 31,
 202520242023
Income
Dividends from subsidiary$40,000 $65,000 $85,000 
Interest income121 138 135 
Other— 178 587 
Total income40,121 65,316 85,722 
Expense   
Interest expense12,242 8,395 8,424 
Other3,496 3,201 3,319 
Total expense15,738 11,596 11,743 
Income before income tax expense24,383 53,720 73,979 
Income tax benefit3,279 2,368 2,314 
Income before equity in undistributed earnings of subsidiaries27,662 56,088 76,293 
Equity in undistributed earnings of subsidiaries41,558 32,406 10,399 
Net income$69,220 $88,494 $86,692 
CONDENSED STATEMENTS OF CASH FLOWS
 Years Ended December 31,
 202520242023
 
OPERATING ACTIVITIES:   
Net income$69,220 $88,494 $86,692 
Adjustments to reconcile net income to net cash provided by operations:   
Amortization213 152 159 
Stock compensation expense585 580 360 
Equity in undistributed earnings of subsidiaries(41,558)(32,406)(10,399)
(Gain on purchase) loss on redemption of subordinated notes— (178)(587)
Net change in other assets(3,883)(577)(354)
Net change in other liabilities4,152 (70)303 
Net cash provided by operating activities28,729 55,995 76,174 
INVESTING ACTIVITIES:   
Investment in subsidiaries(50,000)— — 
Net cash used in investing activities(50,000)— — 
FINANCING ACTIVITIES:   
Net proceeds from issuance of subordinated long-term debt147,428 — — 
Purchase/redemption of subordinated notes— (1,805)(4,365)
Purchase of common stock(23,366)(1,505)(45,074)
Proceeds from issuance of common stock863 3,208 1,709 
Cash dividends paid(43,371)(43,630)(43,582)
Net cash (used in) provided by financing activities81,554 (43,732)(91,312)
Net increase (decrease) in cash and cash equivalents60,283 12,263 (15,138)
Cash and cash equivalents at beginning of period17,360 5,097 20,235 
Cash and cash equivalents at end of period$77,643 $17,360 $5,097 
v3.25.4
SUBSEQUENT EVENTS
 12 Months Ended
Dec. 31, 2025
Subsequent Events [Abstract]  
SUBSEQUENT EVENTS SUBSEQUENT EVENTS
Subsequent to December 31, 2025, on February 15, 2026, the Company completed the redemption of the 3.875% Fixed to Floating Rate Subordinated Notes due 2030 in the aggregate principal amount of $100.0 million. The $100.0 million principal amount included $7.0 million of the notes previously repurchased by the Company. The notes were redeemed in full at 100% of the principal amount plus any accrued and unpaid interest. The remaining unamortized discount and debt issuance costs associated with these notes of approximately $791,000 will be recorded on our consolidated income statements as loss on redemption of subordinated notes in noninterest expense during the first quarter of 2026.
v3.25.4
Insider Trading Arrangements
 3 Months Ended
Dec. 31, 2025
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
v3.25.4
Insider Trading Policies and Procedures
 12 Months Ended
Dec. 31, 2025
Insider Trading Policies and Procedures [Line Items]  
Insider Trading Policies and Procedures Adopted true
v3.25.4
Cybersecurity Risk Management and Strategy Disclosure
 12 Months Ended
Dec. 31, 2025
Cybersecurity Risk Management, Strategy, and Governance [Line Items]  
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]
Risk Management Strategy
Given the increasing reliance on technology and the potential of cyber threats, we have integrated a cybersecurity component into our risk management program, which is designed to identify, assess and mitigate risks across various aspects of the Company. We have a dedicated Information Security Department, which is led by our Chief Information Security Officer. The Information Security Department serves to protect the security and confidentiality of customer information, protect against any threats or hazards to the security or integrity of Company information and protect against unauthorized access to, or use of, such information that could result in substantial harm or inconvenience to our customers.
Our information security program strives to protect the confidentiality, integrity and availability of information and information systems and is aligned to the Company’s business and risk management strategies. It shares common methodologies, reporting channels and governance processes that apply to other areas of enterprise risk. The information security program includes policies and standards that define the risk assessment procedures, reporting and an incident response plan. Key elements of our cybersecurity risk management program include:
•IT risk assessments designed to help identify material cybersecurity risks to our critical systems, information, products, services, and our broader enterprise information technology environment;
•Information Security Department responsible for managing our cybersecurity risk assessment processes, our security controls, and our response to a cybersecurity incident;
•National Institute of Standards and Technology Cybersecurity Framework is assessed annually to track security program maturity and prioritize gaps in security controls. Results are presented to and approved by the Board;
•Ransomware Assessment Toolkit (developed by the Bankers Electronic Crimes Task Force, state bank regulators and the U.S. Secret Service) is assessed biannually to capture any gaps and address any potential control deficiencies;
•training and awareness programs for employees that include periodic and ongoing assessments to drive adoption and awareness of cybersecurity processes and controls;
•the use of external service providers, where appropriate, to assess, test or otherwise assist with aspects of our security controls;
•a cybersecurity incident response plan that includes procedures for responding to a cybersecurity incident; and defines escalations to senior management and the Board, as well as required notifications and timeframes to customers and regulatory authorities; and
•a third-party risk management process for service providers, suppliers, and vendors, including those external service providers we engage in our cybersecurity risk management processes.
Risks from cybersecurity threats are assessed with existing controls and residual risk is monitored. We have not experienced any material cybersecurity incidents that have materially affected, or are reasonably likely to materially affect, the Company, including its business strategy, results of operations or financial condition. We cannot provide full assurance that our cybersecurity risk management processes described will be fully implemented, complied with or effective in protecting our systems and information. While we maintain cybersecurity insurance, the costs related to cybersecurity threats or disruptions may not be fully insured. See “Part I - Item 1A.  Risk Factors – Risks Related to Our Business” in this report for a discussion of risks related to cybersecurity.
Cybersecurity Risk Management Processes Integrated [Flag] true
Cybersecurity Risk Management Processes Integrated [Text Block] Given the increasing reliance on technology and the potential of cyber threats, we have integrated a cybersecurity component into our risk management program, which is designed to identify, assess and mitigate risks across various aspects of the Company. We have a dedicated Information Security Department, which is led by our Chief Information Security Officer. The Information Security Department serves to protect the security and confidentiality of customer information, protect against any threats or hazards to the security or integrity of Company information and protect against unauthorized access to, or use of, such information that could result in substantial harm or inconvenience to our customers.
Cybersecurity Risk Management Third Party Engaged [Flag] true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag] true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag] false
Cybersecurity Risk Board of Directors Oversight [Text Block]
Management’s Role
Our CISO leads our Information Security Department, is responsible for the information security program, which includes cybersecurity, and reports to the Chief Risk Officer. Our CISO joined the Company in 2012. He has over two decades of experience, involving both information technology and information security. He has a Master of Business Administration in Cybersecurity, graduate studies certificate in cybersecurity and has achieved four certifications, including Certified Information Security Manager, Certified Information Systems Auditor, Certified Data Privacy Solutions Engineer and Cisco Certified Network Associate.
We also have a trained response team lead by the CISO, consisting of key individuals from executive management, finance, operations, risk, compliance, communications, human resources, banking and information technology departments, that is engaged for cybersecurity related incidents where necessary and as appropriate. Additionally, we engage a third party that offers cybersecurity solutions, monitoring and incident response services for additional support.
Board Oversight of Cybersecurity
The Audit and Risk Committees of the Board oversee cybersecurity risk and the information security program which includes overseeing management’s actions to identify, assess, mitigate and remediate or prevent material cybersecurity risks. The Audit Committee receives, from the CISO, an annual report of the information security program and bimonthly reports of any security incident or on notable security events for the period. The Board Chairman and Vice Chairman are notified of any high criticality security incidents within 24 hours. The notable security event briefings by the CISO are intended to create discussion that allows Board members to understand the impact, controls and risk. The Risk Committee receives, from the CISO, annual reports on risk assessments and at least quarterly reports on key risk indicators. The Risk Committee receives at least one annual training from the CISO on the information security program, cybersecurity controls or cybersecurity threats.
Both the Bank’s management level Risk Committee and the Risk Committee of the Board review all risk assessments and remediations annually.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block] The Audit and Risk Committees of the Board oversee cybersecurity risk and the information security program which includes overseeing management’s actions to identify, assess, mitigate and remediate or prevent material cybersecurity risks.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block] The Audit Committee receives, from the CISO, an annual report of the information security program and bimonthly reports of any security incident or on notable security events for the period. The Board Chairman and Vice Chairman are notified of any high criticality security incidents within 24 hours. The notable security event briefings by the CISO are intended to create discussion that allows Board members to understand the impact, controls and risk. The Risk Committee receives, from the CISO, annual reports on risk assessments and at least quarterly reports on key risk indicators. The Risk Committee receives at least one annual training from the CISO on the information security program, cybersecurity controls or cybersecurity threats.Both the Bank’s management level Risk Committee and the Risk Committee of the Board review all risk assessments and remediations annually.
Cybersecurity Risk Role of Management [Text Block]
Management’s Role
Our CISO leads our Information Security Department, is responsible for the information security program, which includes cybersecurity, and reports to the Chief Risk Officer. Our CISO joined the Company in 2012. He has over two decades of experience, involving both information technology and information security. He has a Master of Business Administration in Cybersecurity, graduate studies certificate in cybersecurity and has achieved four certifications, including Certified Information Security Manager, Certified Information Systems Auditor, Certified Data Privacy Solutions Engineer and Cisco Certified Network Associate.
We also have a trained response team lead by the CISO, consisting of key individuals from executive management, finance, operations, risk, compliance, communications, human resources, banking and information technology departments, that is engaged for cybersecurity related incidents where necessary and as appropriate. Additionally, we engage a third party that offers cybersecurity solutions, monitoring and incident response services for additional support.
Cybersecurity Risk Management Positions or Committees Responsible [Flag] true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block] Our CISO joined the Company in 2012. He has over two decades of experience, involving both information technology and information security. He has a Master of Business Administration in Cybersecurity, graduate studies certificate in cybersecurity and has achieved four certifications, including Certified Information Security Manager, Certified Information Systems Auditor, Certified Data Privacy Solutions Engineer and Cisco Certified Network Associate.
We also have a trained response team lead by the CISO, consisting of key individuals from executive management, finance, operations, risk, compliance, communications, human resources, banking and information technology departments, that is engaged for cybersecurity related incidents where necessary and as appropriate. Additionally, we engage a third party that offers cybersecurity solutions, monitoring and incident response services for additional support.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block] Our CISO joined the Company in 2012. He has over two decades of experience, involving both information technology and information security. He has a Master of Business Administration in Cybersecurity, graduate studies certificate in cybersecurity and has achieved four certifications, including Certified Information Security Manager, Certified Information Systems Auditor, Certified Data Privacy Solutions Engineer and Cisco Certified Network Associate.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]
The Audit and Risk Committees of the Board oversee cybersecurity risk and the information security program which includes overseeing management’s actions to identify, assess, mitigate and remediate or prevent material cybersecurity risks. The Audit Committee receives, from the CISO, an annual report of the information security program and bimonthly reports of any security incident or on notable security events for the period. The Board Chairman and Vice Chairman are notified of any high criticality security incidents within 24 hours. The notable security event briefings by the CISO are intended to create discussion that allows Board members to understand the impact, controls and risk. The Risk Committee receives, from the CISO, annual reports on risk assessments and at least quarterly reports on key risk indicators. The Risk Committee receives at least one annual training from the CISO on the information security program, cybersecurity controls or cybersecurity threats.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag] true
v3.25.4
SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES (Policies)
 12 Months Ended
Dec. 31, 2025
Accounting Policies [Abstract]  
Basis of Presentation and Consolidation
Basis of Presentation and Consolidation. The consolidated financial statements are prepared in conformity with U.S. GAAP and include the accounts of Southside Bancshares, Inc., and its wholly-owned subsidiary, Southside Bank, and the nonbank subsidiaries.  All significant intercompany accounts and transactions are eliminated in consolidation.  
We determine if we have a controlling financial interest in an entity by first evaluating whether the entity is a voting interest entity or a VIE under GAAP. Voting interest entities are entities in which the total equity investment at risk is sufficient to enable the entity to finance itself independently and provides the equity holders with the obligation to absorb losses, the right to receive residual returns and the right to make decisions about the entity’s activities. We consolidate voting interest entities in which we have all, or at least a majority of, the voting interest. As defined in applicable accounting standards, VIEs are entities that lack one or more of the characteristics of a voting interest entity. A controlling financial interest in a VIE is present when an enterprise has both the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. The enterprise with a controlling financial interest, known as the primary beneficiary, consolidates the VIE.
Reclassifications Certain prior period amounts may be reclassified to conform to current period presentation.
Use of Estimates Use of Estimates.  In preparing consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and reported amounts of revenues and expenses during the reporting period.  These estimates are subjective in nature and involve matters of judgment.  Actual results could differ from these estimates.  Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for credit losses.  The status of contingencies are particularly subject to change.
Segment Information Segment Information.  Operating segments are components of a business about which separate financial information is available and that are evaluated regularly by the chief operating decision maker in deciding how to allocate resources and assess performance. Our chief operating decision maker uses consolidated results to make operating and strategic decisions. Therefore, we have determined that our business is conducted in one reportable segment.
Cash Equivalents
Cash Equivalents.  Cash equivalents, for purposes of reporting cash flow, include cash, amounts due from banks and federal funds sold that have an initial maturity of less than 90 days.  We maintain deposits with other institutions in amounts that exceed federal deposit insurance coverage.  Management regularly evaluates the credit risk associated with the counterparties to these transactions and believes that we are not exposed to any significant credit risks on cash and cash equivalents.
Basic and Diluted Earnings per Common Share
Basic and Diluted Earnings per Common Share.  Basic earnings per common share is calculated based on the two-class method in accordance with ASC Topic 260, “Earnings Per Share.” ASC 260 provides that unvested share-based payment awards that contain nonforfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and shall be included in the calculation of earnings per share pursuant to the two-class method. We have determined that our director’s deferred RSUs are participating securities.
Under the two-class method, basic earnings per common share is calculated by dividing net income available to common shareholders by the weighted-average number of common shares outstanding during the period, excluding outstanding participating securities. Diluted earnings per common share is calculated using the weighted-average number of shares determined for the basic earnings per common share calculation plus the dilutive effect of stock awards using the treasury stock method.
Comprehensive Income
Comprehensive Income.  Comprehensive income includes all changes in shareholders’ equity during a period, except those resulting from transactions with shareholders.  Besides net income, other components of comprehensive income include the
after tax effect of changes in the fair value of AFS securities, changes in the net unrealized loss on securities transferred to/from HTM, changes in the accumulated gain or loss on effective cash flow hedging instruments and changes in the funded status of defined benefit retirement plans.
Loans
Loans.  Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at amortized cost. Amortized cost consists of the outstanding principal balance adjusted for any charge-offs and any unamortized origination fees and unamortized premiums or discounts on purchased loans. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the life of the loan.  A loan is considered impaired, based on current information and events, if it is probable that we will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  Substantially all of our individually evaluated loans are collateral-dependent, and as such, are measured for expected credit losses based on the fair value of the collateral, less estimated cost to sell.
Loans Held For Sale
Loans Held For Sale.  Loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value, as determined by aggregate outstanding commitments from investors or current investor yield requirements.  Net unrealized losses are recognized through a valuation allowance by charges to income. Gains or losses on sales of mortgage loans are recognized based on the difference between the selling price and the carrying value of the related mortgage loans sold.
From time to time, certain commercial real estate loans are held for sale which are carried at the lower of cost or fair value.
Loan Fees
Loan Fees.  We treat loan fees, net of direct costs, as an adjustment to the yield of the related loan over its term.
Allowance for Credit Losses, Loans
Allowance for Credit Losses – Loans.  In accordance with ASC 326, the allowance for credit losses on loans is estimated and recognized upon origination of the loan based on expected credit losses. The CECL model uses historical experience and current conditions for homogeneous pools of loans, and reasonable and supportable forecasts about future events. The impact of varying economic conditions and portfolio stress factors are a component of the credit loss models applied to each portfolio. Reserve factors are specific to the loan segments that share similar risk characteristics based on the probability of default assumptions and loss given default assumptions, over the contractual term. The forecasted periods gradually mean-revert the economic inputs to their long-run historical trends. Management evaluates the economic data points used in the Moody’s forecasting scenarios on a quarterly basis to determine the most appropriate impact to the various portfolio characteristics based on management’s view and applies weighting to various forecasting scenarios as deemed appropriate based on known and expected economic activities. Management also considers and may apply relevant qualitative factors, not previously considered, to determine the appropriate allowance level. The use of the CECL model includes significant judgment by management and may differ from those of our peers due to different historical loss patterns, economic forecasts, and the length of time of the reasonable and supportable forecast period and reversion period.
We utilize Moody’s Analytics economic forecast scenarios and assign probability weighting to those scenarios which best reflect management’s views on the economic forecast. The probability weighting and scenarios utilized for the estimate of the allowance were generally reflective of continued economic and repricing uncertainty, as based on known and knowable information as of December 31, 2025.
When determining the appropriate allowance for credit losses on our loan portfolio, our commercial construction and real estate loans, commercial loans and municipal loans utilize the probability of default/loss given default discounted cash flow approach. Reserves on these loans are based upon risk factors including the loan type and structure, collateral type, leverage ratio, refinancing risk and origination quality, among others. Our consumer construction real estate loans, 1-4 family residential loans and our loans to individuals use a loss rate based upon risk factors including loan types, origination year and credit scores.
Loans evaluated collectively in a pool are monitored to ensure they continue to exhibit similar risk characteristics with other loans in the pool. If a loan does not share similar risk characteristics with other loans, expected credit losses for that loan are evaluated individually.
When assessing for credit losses from period to period, the change may be indicative of changes in the estimates of timing or the amount of future cash flows, based on the probability of economic forecast scenarios applied, as well as the passage of time. We have elected to report the entire change in present value as provision for credit losses.
When using the discounted cash flow method to determine the allowance for credit losses, management does not adjust the effective interest rate used to discount expected cash flows to incorporate expected prepayments, but rather applies separate prepayment factors.
Nonaccrual Assets and Loan Charge-offs Policy
Nonaccrual Assets and Loan Charge-offs. Nonaccrual assets include financial assets 90 days or more delinquent and full collection of both principal and interest is not expected.  Financial instruments that are not delinquent or that are delinquent less
than 90 days may be placed on nonaccrual status if it is probable that we will not receive contractual principal or interest. When an asset is categorized as nonaccrual, the accrual of interest is discontinued and any accrued balance is reversed for financial statement purposes. Payments received on nonaccrual assets are applied to the outstanding principal balance. Payments of contractual interest are recognized as income only to the extent that full recovery of the principal balance is reasonably certain.  Assets are returned to accrual status when all payments contractually due are brought current and future payments are reasonably assured.  
Industry and our own experience indicate that a portion of our loans will become delinquent and a portion of our loans will require partial or full charge-off.  Regardless of the underwriting criteria utilized, losses may occur as a result of various factors beyond our control, including, among other things, changes in market conditions affecting the value of properties used as collateral for loans and problems affecting the credit worthiness of the borrower and the ability of the borrower to make payments on the loan. We charge-off loans when deemed uncollectible. Our policy is to charge-off or partially charge-off a retail credit after it is 120 days past due. Charge-offs on commercial credits are determined on a case-by-case basis when a credit loss has been determined.
Accrued Interest
Accrued Interest. Accrued interest for our loans and debt securities, included in interest receivable on our consolidated balance sheets, is excluded from the estimate of allowance for credit losses.
Restructured Loans Restructured Loans. A loan is considered restructured if the borrower is experiencing financial difficulties and the loan has been modified. Modifications may include interest rate reductions or below market interest rates, restructuring amortization schedules and other actions intended to minimize potential losses. We may provide a combination of modifications which may include an extension of the amortization period, interest rate reduction and/or converting the loan to interest-only for a limited period of time. In most instances, interest will continue to be charged on principal balances outstanding during the extended term.
Other Real Estate Owned
OREO and Foreclosed Assets.  OREO includes real estate acquired in full or partial settlement of loan obligations.  OREO is initially carried at the fair value of the collateral net of estimated selling costs.  Prior to foreclosure, the recorded amount of the loan is written down, if necessary, to the appraised fair value of the real estate to be acquired, less selling costs, by charging the allowance for loan losses.  Any subsequent reduction in fair value net of estimated selling costs is charged to noninterest expense. Costs of maintaining and operating foreclosed properties are expensed as incurred and included in other expense in our income statement.  Expenditures to complete or improve foreclosed properties are capitalized only if expected to be recovered; otherwise, they are expensed.
Foreclosed Assets Other foreclosed assets are held for sale and are initially recorded at fair value less estimated selling costs at the date of foreclosure, by charging the allowance for loan losses. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less costs to sell. Foreclosed assets are included in other assets in the accompanying consolidated balance sheets. Expenses from operations and changes in the valuation allowance are included in noninterest expense.
Securities
Securities.  AFS.  Debt securities that will be held for indefinite periods of time, including securities that may be sold in response to changes in market interest or prepayment rates, needs for liquidity or changes in the availability of and the yield on alternative investments are classified as AFS.  These assets are carried at fair value with unrealized gains and losses, not related to credit losses, reported as a separate component of AOCI, net of tax.  Fair value is determined using quoted market prices as of the close of business on the balance sheet date.  If quoted market prices are not available, fair values are based on quoted market prices for similar securities or estimates from independent pricing services. AFS securities hedged with qualifying derivatives are carried at fair value with the change in the fair value on both the hedged instrument and the securities recorded in interest income in the consolidated statements of income.
Gains and losses on the sale of securities are recorded in the month of the trade date and are determined using the specific identification method.
HTM. Debt securities that management has the positive intent and ability to hold until maturity are classified as HTM and are carried at their amortized cost which includes the remaining unpaid principal balance, net of unamortized premiums or unaccreted discounts. Our HTM securities are presented on the consolidated balance sheets net of allowance for credit losses, if any. As of December 31, 2025, there was a $25,000 allowance for credit losses on our HTM securities portfolio.
Premiums and Discounts. Premiums and discounts on debt securities are generally amortized over the contractual life of the security, except for MBS where prepayments are anticipated and for callable debt securities whose premiums are amortized to the earliest call date in accordance with ASC 310. The amortization of purchased premium or discount is included in interest income on our consolidated statements of income. Premiums on debt securities are amortized to the earliest call date.
Equity Investments. Equity investments with readily determinable fair values are stated at fair value with the unrealized gains and losses reported in other noninterest income in the consolidated statements of income. Equity investments without readily determinable fair values are recorded at cost less impairment, if any.
Allowance for Credit Losses - Debt Securities
Allowance for Credit Losses – AFS Securities. In accordance with ASC 326, for AFS debt securities in an unrealized loss position where management (i) has the intent to sell or (ii) where it will more-likely-than-not be required to sell the security before the recovery of its amortized cost basis, we recognize the loss in earnings. For those AFS debt securities in an unrealized loss position that do not meet either of these criteria, management assesses whether the decline in fair value has resulted from credit losses or other factors. Management assesses the financial condition and near-term prospects of the issuer,
industry and/or geographic conditions, credit ratings as well as other indicators at the individual security level. If a credit loss is determined to exist, the present value of discounted cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of discounted cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit loss is recorded, limited by the amount that the fair value is less than the amortized cost. Any impairment that is not recorded through an allowance for credit losses is recognized in other comprehensive income. Any future changes in the allowance for credit losses is recorded as provision for (reversal of) credit losses.
Allowance for Credit Losses – HTM Securities. In accordance with ASC 326, expected credit losses on HTM securities are measured on a collective basis by major security type, when similar risk characteristics exist. Risk characteristics for segmenting HTM debt securities include issuer, maturity, coupon rate, yield, payment frequency, source of repayment, bond payment structure, and embedded options. Upon assignment of the risk characteristics to the major security types, management may further evaluate the qualitative factors associated with these securities to determine the expectation of credit losses, if any.
The major security types within our HTM portfolio include residential and commercial MBS, state and political subdivisions and corporate securities.
Our state and political subdivisions include highly-rated municipal securities with a long history of no credit losses. Our investment policy prohibits bond purchases with a rating less than BAA and limits our entity concentration. We utilize term structures and due to no prior loss exposure on our state and political subdivision securities, we apply third-party average data to model our securities to represent the portion of the asset that would be lost if the issuer were to default. These third-party estimates of recoveries and defaults, adjusted for constant probability over the securities expected life, are used to evaluate the expected loss of the securities. Due to the limited number and the nature of the HTM state and political subdivisions we hold, we do not model these securities as a pool, but on the specific identification method in conjunction with the application of our third-party fair value measurement.
Our residential and commercial MBS are issued and/or guaranteed by U.S. government agencies or GSEs and are collateralized by pools of single- or multi-family mortgages. Our MBS are highly rated securities with a long history of no credit losses which are either explicitly or implicitly backed by the U.S. government agencies, which guarantee the payment of principal and interest to investors. Management has collectively evaluated the characteristics of these securities and has assumed an expectation of zero credit loss.
Our corporate bonds and other investment securities consist of primarily investment grade bonds and private placement bonds with a long history of no credit losses.
We reevaluate the characteristics of our major security types at every reporting period and reassess the considerations to continue to support our expectation of credit loss.
Securities with Limited Marketability
Securities with Limited Marketability. Securities with limited marketability, such as stock in the FHLB, are carried at cost, which is a reasonable estimate of the fair value of those assets and are assessed for other-than-temporary impairment.
Premises and Equipment
Premises and Equipment.  Land is carried at cost. Bank premises and equipment are stated at cost, net of accumulated depreciation.  Depreciation is computed on a straight line basis over the estimated useful lives of the related assets.  Useful lives are estimated to be 15 to 40 years for premises and 3 to 10 years for equipment.  Leasehold improvements are generally depreciated over the lesser of the term of the respective leases or the estimated useful lives of the improvements.  Maintenance and repairs are charged to expense as incurred while major improvements and replacements are capitalized.
Leases
Leases. We evaluate our contracts at inception to determine if an arrangement is or contains a lease. Operating leases are included in operating lease ROU assets and operating lease liabilities in our consolidated balance sheets. Our operating leases relate primarily to bank branches and office space. The Company has no finance leases. Short-term leases, leases with an initial term of 12 months or less and do not contain a purchase option that is likely to be exercised, are not recorded on the balance sheet.
ROU assets represent our right to use an underlying asset for the lease term, and lease liabilities represent our obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of the future lease payments over the lease term. Our leases do not provide an implicit rate, so we use our incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. The incremental borrowing rate is reevaluated upon lease modification. The operating lease ROU asset also includes any initial direct costs and prepaid lease payments made less any lease incentives. Our lease terms may include options to extend or terminate the lease when it is reasonably certain that we will exercise that option.
Bank Owned Life Insurance
BOLI.  The Company has purchased life insurance policies on certain key executives and officers. BOLI is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. Changes in the net cash surrender value of the policies, as well as insurance proceeds received are reflected in noninterest income on the consolidated statements of income and are not subject to income taxes.
Goodwill and Other Intangibles
Goodwill and Other Intangibles.  Other intangible assets consist primarily of core deposits and trust relationship intangibles. Intangible assets with definite useful lives are amortized on an accelerated basis over their estimated life. Goodwill and intangible assets that have indefinite useful lives are subject to at least an annual impairment test and more frequently if a triggering event occurs. If any such impairment is determined, a write-down is recorded.
We have selected October 1 of each year as the measurement date on which we will complete our annual goodwill impairment assessment. We may first assess qualitative factors to determine whether it is necessary to perform the quantitative analysis. We performed a qualitative assessment to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount. The qualitative factors considered include, but are not limited to, macroeconomic and State of Texas economic conditions, industry and market conditions and trends, the Company’s financial performance, market capitalization, stock price, control premium analysis and any Company-specific events relevant to the assessment. If the assessment of qualitative factors indicates that it is not more likely than not that an impairment exists, no further testing is required; otherwise an impairment test is performed.
Repurchase Agreements
Repurchase Agreements.  We sell certain securities under agreements to repurchase.  The agreements are treated as collateralized financing transactions and the obligations to repurchase securities sold are reflected as a liability in the accompanying consolidated balance sheets.  The dollar amount of the securities underlying the agreements remains in the asset account.  We determine the type of debt securities to pledge which may include investment securities and U.S. agency MBS.
Derivative Financial Instruments and Hedging Activities
Derivative Financial Instruments and Hedging Activities. Derivative financial instruments are carried on the consolidated balance sheets as other assets or other liabilities, as applicable, at estimated fair value, and the net change in each of these financial statement line items in the accompanying consolidated statements of cash flows. The accounting for changes in the fair value (i.e., gains or losses) of a derivative financial instrument is determined by whether it has been designated and qualifies as part of a hedging relationship and, further, by the type of hedging relationship. We present derivative financial instruments at fair value in the consolidated balance sheets on a net basis when a right of offset exists, based on transactions with a single counterparty and any cash collateral paid to and/or received from that counterparty for derivative contracts that are subject to legally enforceable master netting arrangements.
For derivative instruments that are designated and qualify as cash flow hedges (i.e., hedging the exposure to variability in expected future cash flows that is attributable to a particular risk), the effective portion of the gain or loss on the derivative instrument is reported as a component of AOCI and reclassified to interest expense in the same periods that the hedged cash flows impact earnings. Gains and losses on derivative instruments designated as fair value hedges, as well as the change in the fair value on the hedged item, are recorded in interest income in the consolidated statements of income. Gains and losses due to changes in the fair value of the interest rate swap agreements offset changes in the fair value of the hedged portion of the hedged item. For derivative instruments not designated as hedging instruments, the gain or loss is recognized in current earnings during the period of change. Cash flows from the settlement of derivatives, including those designated in hedge accounting relationships, are reflected in the Consolidated Statements of Cash Flows in the same categories as the cash flows from the items being hedged.
For derivatives designated as hedging instruments at inception, statistical regression analysis is used at inception and for each reporting period thereafter to assess whether the derivative used has been and is expected to be highly effective in offsetting changes in the fair value or cash flows of the hedged item. All components of each derivative instrument’s gain or loss are included in the assessment of hedge effectiveness. Net hedge ineffectiveness is recorded in interest income on the consolidated statements of income.
Terminated Derivative Financial Instruments. In accordance with ASC Topic 815, if a hedging item is terminated prior to maturity for a cash settlement, the existing gain or loss within AOCI will continue to be reclassified into earnings during the period or periods in which the hedged forecasted transaction affects earnings unless it is probable that the forecasted transaction will not occur by the end of the originally specified time period. These transactions are reevaluated on a monthly basis to determine if the hedged forecasted transactions are still probable of occurring. If at a subsequent evaluation, it is determined
that the transactions are probable of not occurring, any related gains or losses recorded in AOCI are immediately recognized in earnings.
Allowance for Credit Losses - Off-Balance-Sheet Credit Exposures
Allowance for Credit Losses – Off-Balance-Sheet Credit Exposures. Our off-balance-sheet credit exposures include contractual commitments to extend credit and standby letters of credit. For these credit exposures we evaluate the expected credit losses using usage given defaults and credit conversion factors depending on the type of commitment and based upon historical usage rates. These assumptions are reevaluated on an annual basis and adjusted if necessary.  In accordance with Topic 326, credit losses are not recognized for those credit exposures that are unconditionally cancellable by the Company.
The allowance for credit losses for these off-balance-sheet credit exposures is included in other liabilities on our consolidated balance sheets and is adjusted with a corresponding adjustment to provision for credit losses on our consolidated statements of income.
Revenue Recognition
Revenue Recognition. Our revenue consists of net interest income on financial assets and financial liabilities and noninterest income.  The classifications of our revenue are presented in the consolidated statements of income.
In accordance with ASC Topic 606, revenue is recognized when obligations under the terms of a contract with our customer are satisfied; generally this occurs with the transfer of control of goods or services. We recognize revenue equal to the amounts for which we have a right to invoice, revenue is measured as the amount of consideration we expect to receive in exchange for the transfer of those goods or services. We generally expense sales commissions when incurred because the amortization period is within one year or less. These costs are recorded within salaries and employee benefits on the consolidated statements of income.
The following summarizes our revenue recognition policies as they relate to revenue from contracts with customers:
•Deposit services. Service charges on deposit accounts include fees for banking services provided, overdrafts and non-sufficient funds. Revenue is generally recognized in accordance with published deposit account agreements for retail accounts or contractual agreements for commercial accounts. Our deposit services also include our ATM and debit card interchange revenue that is presented net of the associated costs. Interchange revenue is generated by our deposit customers’ usage and volume of activity. Interchange rates are not controlled by the Company, which effectively acts as processor that collects and remits payments associated with customer debit card transactions.
•Trust income. Trust income includes fees and commissions from investment management, administrative and advisory services primarily for individuals, and to a lesser extent, partnerships and corporations. Revenue is recognized on an accrual basis at the time the services are performed and when we have a right to invoice and are based on either the market value of the assets managed or the services provided.
•Brokerage services. Brokerage services income includes fees and commissions charged when we arrange for another party to transfer brokerage services to a customer. The fees and commissions under this agent relationship are based upon stated fee schedules based upon the type of transaction, volume and value of the services provided.
•Other noninterest income. Other noninterest income includes among other things, merchant services income. Merchant services revenue is derived from third-party vendors that process credit card transactions on behalf of our merchant customers. Merchant services revenue is primarily comprised of residual fee income based on the referred merchant’s processing volumes and/or margin.
Income Taxes Income Taxes.  We file a consolidated federal income tax return.  Income tax expense represents the taxes expected to be paid or returned for current year taxes adjusted for the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases.  Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled.  The effect on deferred tax assets and liabilities of changes in tax rates is recognized in income in the period the change occurs. Uncertain tax positions arise when it is more likely than not that the tax position taken will be sustained upon examination by the appropriate tax authority. Any income tax benefit as well as penalties and interest related to income tax expense are recorded as a component of income tax expense.
Fair Value of Financial Instruments
Fair Value of Financial Instruments.  Fair values of financial instruments are estimated using relevant market information and other assumptions.  Fair value estimates involve uncertainties and matters of significant judgment.  In cases where quoted market prices are not available, fair values are based on estimates using present value or other estimation techniques.  Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.
Retirement Plan
Retirement Plan.  Defined benefit pension obligations and the annual pension costs are determined by independent actuaries and through the use of a number of assumptions that are reviewed by management. These assumptions include a discount rate used to determine the current benefit obligation and a long-term expected rate of return on plan assets. Net periodic defined benefit pension expense includes interest cost based on the assumed discount rate, an expected return on plan assets and amortization of net actuarial gains or losses. Actuarial gains and losses result from experience different from that assumed and from changes in assumptions. Amortization of actuarial gains and losses is included as a component of net periodic defined benefit pension cost. All other of these cost components are recorded in other noninterest expense.
During 2024, we adopted a liability-driven investment strategy for the Retirement Plan. The liability-driven investment strategy focuses on matching the cash flow generated by assets to the cash flow of the retirement benefit obligation, therefore minimizing risks that could affect returns, such as those associated with interest rate fluctuations and market volatility. As a result of minimizing gains and losses that would significantly impact the amortization of the existing actuarial loss, we changed the amortization method of actuarial loss from average life expectancy to average future service. As a result of this amortization method change, our net periodic benefit cost of the Retirement Plan increased to $2.0 million in 2025 compared to net periodic benefit income of $659,000 in 2024.
Share-Based Awards Share-Based Awards.  Compensation expense for NQSOs and RSUs is based on the fair value on the date of the grant and is recorded over the grant’s vesting period. Compensation expense for PSUs is based on the fair value on the date of the grant and is recorded over the service period of the award based upon the probable number of units expected to vest. Share-based compensation for employees is recognized as compensation cost in the consolidated statements of income. Share-based compensation for non-employee directors is recognized as other noninterest expense in the consolidated statements of income.
Loss Contingencies
Loss Contingencies.  Loss contingencies, including claims and legal actions arising in the ordinary course of business are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Wealth Management and Trust Assets
Wealth Management and Trust Assets.  Our wealth management and trust assets, other than cash on deposit at Southside Bank, are not included in the accompanying financial statements, because they are not our assets.
Accounting Pronouncements
Accounting Pronouncements.
In December 2023, the FASB issued ASU 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures. ASU 2023-09 enhances the transparency of decision-usefulness of income tax disclosures, particularly in the rate reconciliation table and disclosures about income taxes paid. ASU 2023-09 is effective for fiscal years beginning after December 15, 2024. Early adoption is permitted. The guidance should be applied prospectively with an option to apply it retrospectively for each period presented. We adopted ASU 2023-09 on January 1, 2025. ASU 2023-09 did not have a material impact on our consolidated financial statements.
In November 2024, the FASB issued ASU 2024-03, “Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40).” ASU 2024-03 requires disaggregated disclosure of income statement expenses within the footnotes to the financial statements for any relevant expense caption presented on the face of the income statement within continuing operations into the following required natural expense categories, as applicable: (1) purchases of inventory, (2) employee compensation, (3) depreciation, (4) intangible asset amortization, and (5) depreciation, depletion and amortization recognized as part of oil- and gas-producing activities or other types of depletion services. ASU 2024-03 is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted. The guidance should be applied prospectively with an option to apply it retrospectively for each period presented. We are currently evaluating the potential impact of ASU 2024-03 on our consolidated financial statements.
In November 2025, the FASB issued ASU 2025-08, “Financial Instruments - Credit Losses (Topic 326): Purchased Loans.” ASU 2025-08 expands the population of acquired financial assets subject to the gross-up approach to include purchased seasoned loans. The gross-up approach requires recognition of an allowance for expected credit loss for the estimate of credit losses at the acquisition date. The allowance for expected credit loss is recorded with an offsetting gross-up adjustment to the purchase price of the acquired financial asset. ASU 2025-08 is effective for fiscal years and interim periods within those fiscal years, beginning after December 15, 2026. Early adoption is permitted. The guidance should be applied prospectively to loans acquired on or after the adoption date. We are currently evaluating the potential impact of ASU 2025-08 and do not expect it to have a material impact on our consolidated financials.
In November 2025, the FASB issued ASU 2025-09, “Derivatives and Hedging (Topic 815): Hedge Accounting Improvements.” ASU 2025-09 makes certain targeted improvements to simplify the application of the hedge accounting guidance and to address several incremental hedge accounting issues arising from the global reference rate reform initiative. These improvements include expanding the hedged risks permitted to be aggregated in a group of individual forecasted transactions in a cash flow hedge and clarifying the circumstances under which a group of individual forecasted transactions can be considered to have a similar risk exposure. ASU 2025-09 is effective for fiscal years and interim periods within those fiscal years, beginning after December 15, 2026. Early adoption is permitted. The guidance should be applied prospectively for all hedging relationships. We are currently evaluating the potential impact of ASU 2025-09 and do not expect it to have a material impact on our consolidated financial statements.
In December 2025, the FASB issued ASU 2025-11, “Interim Reporting (Topic 270): Narrow-Scope Improvements.” ASU 2025-11 clarifies the applicability of Topic 270 and the form and content of interim financial statements. In addition, ASU 2015-11 requires entities to disclose material events occurring since the last annual reporting period. ASU 2025-11 is effective for interim periods within annual reporting periods beginning after December 15, 2027. Early adoption is permitted. The guidance can be applied prospectively or retrospectively for each period presented. We are currently evaluating the potential impact of ASU 2025-11 and do not expect it to have a material impact on our consolidated financials.
v3.25.4
EARNINGS PER SHARE (Tables)
 12 Months Ended
Dec. 31, 2025
Earnings Per Share [Abstract]  
Earnings per share on a basic and diluted basis
Earnings per share on a basic and diluted basis are calculated as follows (in thousands, except per share amounts):
 Years Ended December 31,
 202520242023
Basic and Diluted Earnings:   
Net income$69,220 $88,494 $86,692 
Less: Earnings allocated to participating securities41 57 38 
Net income available to common shareholders$69,179 $88,437 $86,654 
Basic weighted-average shares outstanding30,137 30,293 30,704 
Add: Stock awards89 76 55 
Diluted weighted-average shares outstanding30,226 30,369 30,759 
Basic earnings per share:   
Net income $2.30 $2.92 $2.82 
Diluted earnings per share:   
Net income$2.29 $2.91 $2.82 
v3.25.4
ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (Tables)
 12 Months Ended
Dec. 31, 2025
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
Schedule of accumulated other comprehensive income (loss) by component
The changes in accumulated other comprehensive income (loss) by component are as follows for the years presented (in thousands):
Year Ended December 31, 2025
Unrealized Gains (Losses) on SecuritiesUnrealized Gains (Losses) on DerivativesRetirement PlansTotal
Beginning balance, net of tax$(112,199)$6,303 $(19,002)$(124,898)
Other comprehensive income (loss):
Other comprehensive income (loss) before reclassifications4,917 (2,313)(586)2,018 
Reclassification adjustments included in net income40,511 (7,924)2,459 35,046 
Income tax (expense) benefit(9,540)2,150 (393)(7,783)
Net current-period other comprehensive income (loss), net of tax35,888 (8,087)1,480 29,281 
Ending balance, net of tax$(76,311)$(1,784)$(17,522)$(95,617)
Year Ended December 31, 2024
Unrealized Gains (Losses) on SecuritiesUnrealized Gains (Losses) on DerivativesRetirement PlansTotal
Beginning balance, net of tax$(107,499)$12,803 $(18,766)$(113,462)
Other comprehensive income (loss):
Other comprehensive income (loss) before reclassifications(16,686)13,814 (928)(3,800)
Reclassification adjustments included in net income10,737 (22,042)629 (10,676)
Income tax (expense) benefit1,249 1,728 63 3,040 
Net current-period other comprehensive income (loss), net of tax(4,700)(6,500)(236)(11,436)
Ending balance, net of tax$(112,199)$6,303 $(19,002)$(124,898)
Year Ended December 31, 2023
Unrealized Gains (Losses) on SecuritiesUnrealized Gains (Losses) on DerivativesRetirement PlansTotal
Beginning balance, net of tax$(149,181)$31,227 $(19,502)$(137,456)
Other comprehensive income (loss):
Other comprehensive income (loss) before reclassifications28,782 1,222 176 30,180 
Reclassification adjustments included in net income23,980 (24,544)756 192 
Income tax (expense) benefit(11,080)4,898 (196)(6,378)
Net current-period other comprehensive income (loss), net of tax41,682 (18,424)736 23,994 
Ending balance, net of tax$(107,499)$12,803 $(18,766)$(113,462)
Reclassification out of Accumulated Other Comprehensive Income
The reclassification adjustments out of accumulated other comprehensive income (loss) included in net income are presented below (in thousands):
Years Ended December 31,
202520242023
Unrealized gains and losses on securities transferred:
Amortization of unrealized gains and losses (1)
$(8,241)$(8,227)$(8,004)
Tax (expense) benefit1,731 1,728 1,681 
Net of tax$(6,510)$(6,499)$(6,323)
Unrealized gains and losses on AFS securities:
Realized net gain (loss) on sale of securities (2)
$(32,270)$(2,510)$(15,976)
Tax (expense) benefit6,777 527 3,355 
Net of tax$(25,493)$(1,983)$(12,621)
Derivatives:
Realized net gain (loss) on interest rate swap derivatives (3)
$7,924 $22,042 $24,544 
Tax (expense) benefit(1,664)(4,629)(5,154)
Net of tax$6,260 $17,413 $19,390 
Amortization of retirement plans:
Net actuarial loss (4)
$(2,459)$(629)$(756)
Tax (expense) benefit516 132 159 
Net of tax$(1,943)$(497)$(597)
Total reclassifications for the period, net of tax$(27,686)$8,434 $(151)
(1)    Included in interest income on the consolidated statements of income.
(2)    Listed as net gain (loss) on sale of securities AFS on the consolidated statements of income.
(3)    Included in interest expense for FHLB borrowings, other borrowings and deposits on the consolidated statements of income.
(4)    These AOCI components are included in the computation of net periodic pension cost (income) presented in “Note 10 – Employee Benefits.”
v3.25.4
SECURITIES (Tables)
 12 Months Ended
Dec. 31, 2025
Investments, Debt and Equity Securities [Abstract]  
Amortized cost, gross unrealized gains and losses and estimated fair value of investments and MBS AFS and HTM
The amortized cost, gross unrealized gains and losses and estimated fair value of investment and mortgage-backed AFS and HTM securities, net of allowance for credit losses, as of December 31, 2025 and 2024 are reflected in the tables below (in thousands):
 December 31, 2025
Amortized
Gross
Unrealized
Gross UnrealizedLess:
Allowance for 		Estimated
AVAILABLE FOR SALECostGainsLossesCredit LossesFair Value
Investment securities:
State and political subdivisions$192,268 $1,423 $17,055 $— $176,636 
Corporate bonds and other 17,793 327 99 — 18,021 
MBS: (1)
   
Residential1,244,698 15,278 708 — 1,259,268 
Commercial2,227 67 — — 2,294 
Total$1,456,986 $17,095 $17,862 $— $1,456,219 
Amortized
Gross
Unrealized
Gross UnrealizedEstimatedLess:
Allowance for		Net Carrying
HELD TO MATURITYCostGainsLossesFair ValueCredit LossesAmount
Investment securities:
State and political subdivisions$1,042,986 $2,290 $139,719 $905,557 $25 $1,042,961 
Corporate bonds and other98,609 694 1,487 97,816 — 98,609 
MBS: (1)
Residential77,080 10 4,898 72,192 — 77,080 
Commercial28,827 — 1,088 27,739 — 28,827 
Total $1,247,502 $2,994 $147,192 $1,103,304 $25 $1,247,477 
 December 31, 2024
Amortized
Gross
Unrealized
Gross UnrealizedLess:
Allowance for		Estimated
AVAILABLE FOR SALECostGainsLossesCredit LossesFair Value
Investment securities: 
U.S. Treasury
$173,880 $76 $— $— $173,956 
State and political subdivisions458,013 36 43,717 — 414,332 
Corporate bonds and other 14,646 263 401 — 14,508 
MBS: (1)
 
Residential
935,639 835 10,088 — 926,386 
Commercial
5,238 — 526 — 4,712 
Total$1,587,416 $1,210 $54,732 $— $1,533,894 

Amortized
Gross
Unrealized
Gross UnrealizedEstimatedLess:
Allowance for		Net Carrying
HELD TO MATURITYCostGainsLossesFair ValueCredit LossesAmount
Investment securities:
State and political subdivisions$1,040,912 $4,004 $152,697 $892,219 $— $1,040,912 
Corporate bonds and other124,095 17 6,553 117,559 — 124,095 
MBS: (1)
 
Residential84,660 8 8,549 76,119 — 84,660 
Commercial29,567 — 1,982 27,585 — 29,567 
Total$1,279,234 $4,029 $169,781 $1,113,482 $— $1,279,234 
(1)    All MBS issued and/or guaranteed by U.S. government agencies or U.S. GSEs.
Unrealized loss on securities
The following tables present the fair value and unrealized losses on AFS, if applicable, for which an allowance for credit losses has not been recorded, as well as HTM investment securities and MBS, if applicable, as of December 31, 2025 and 2024, segregated by major security type and length of time in a continuous loss position (in thousands):
December 31, 2025
 Less Than 12 MonthsMore Than 12 MonthsTotal
Fair ValueUnrealized
Loss		Fair ValueUnrealized
Loss		Fair ValueUnrealized
Loss
AVAILABLE FOR SALE      
Investment securities:
State and political subdivisions$— $— $128,723 $17,055 $128,723 $17,055 
Corporate bonds and other3,708 42 4,943 57 8,651 99 
MBS:
Residential52,056 32 10,320 676 62,376 708 
Total$55,764 $74 $143,986 $17,788 $199,750 $17,862 
HELD TO MATURITY      
Investment securities:
State and political subdivisions$20,224 $3,128 $770,244 $136,591 $790,468 $139,719 
Corporate bonds and other— — 64,009 1,487 64,009 1,487 
MBS:
Residential— — 71,782 4,898 71,782 4,898 
Commercial— — 27,739 1,088 27,739 1,088 
Total$20,224 $3,128 $933,774 $144,064 $953,998 $147,192 
December 31, 2024
Less Than 12 Months
More Than 12 Months
Total
Fair Value
Unrealized
Loss
Fair Value
Unrealized
Loss
Fair Value
Unrealized
Loss
AVAILABLE FOR SALE      
Investment securities:
State and political subdivisions$12,089 $64 $398,304 $43,653 $410,393 $43,717 
Corporate bonds and other2,967 33 5,612 368 8,579 401 
MBS:
Residential723,855 6,517 31,527 3,571 755,382 10,088 
Commercial2,223 12 2,489 514 4,712 526 
Total$741,134 $6,626 $437,932 $48,106 $1,179,066 $54,732 
HELD TO MATURITY      
Investment securities:
State and political subdivisions$73,272 $1,779 $704,563 $150,918 $777,835 $152,697 
Corporate bonds and other2,212 149 111,392 6,404 113,604 6,553 
MBS:
Residential2,548 292 73,064 8,257 75,612 8,549 
Commercial— — 27,585 1,982 27,585 1,982 
Total $78,032 $2,220 $916,604 $167,561 $994,636 $169,781 
Interest income recognized on securities
The following table reflects interest income recognized on securities for the periods presented (in thousands):
 Years Ended December 31,
 202520242023
U.S. Treasury$3,781 $8,538 $11,331 
State and political subdivisions44,306 53,186 67,355 
Corporate bonds and other6,491 6,820 7,129 
MBS57,230 45,222 19,450 
Total interest income on securities$111,808 $113,766 $105,265 
Amortized cost and fair value of securities presented by contractual maturity
The amortized cost and estimated fair value of AFS and HTM securities at December 31, 2025, are presented below by contractual maturity (in thousands):
 December 31, 2025
 Amortized CostFair Value
AVAILABLE FOR SALE
Investment securities:  
Due in one year or less$437 $437 
Due after one year through five years5,023 5,060 
Due after five years through ten years15,043 15,268 
Due after ten years189,558 173,892 
 210,061 194,657 
MBS:1,246,925 1,261,562 
Total$1,456,986 $1,456,219 
 December 31, 2025
 Amortized Cost
Fair Value
HELD TO MATURITY
Investment securities:  
Due in one year or less$140 $139 
Due after one year through five years29,826 29,720 
Due after five years through ten years106,988 106,304 
Due after ten years1,004,641 867,210 
 1,141,595 1,003,373 
MBS:105,907 99,931 
Total$1,247,502 $1,103,304 
Unrealized and realized gains (losses) recognized in net income on equity investments
The following is a summary of unrealized and realized gains and losses on equity investments recognized in other noninterest income in the consolidated statements of income during the periods presented (in thousands):
 Years Ended December 31,
 202520242023
Net gains (losses) recognized during the period on equity investments$169 $(51)$5,131 
Less: Net gains recognized during the period on equity investments sold during the period— — 5,058 
Unrealized gains (losses) recognized during the reporting period on equity investments still held at the reporting date$169 $(51)$73 
v3.25.4
LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
 12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
Loans by portfolio segment
Loans in the accompanying consolidated balance sheets are classified as follows (in thousands):
December 31, 2025December 31, 2024
Real estate loans:
Construction$548,570 $537,827 
1-4 family residential724,354 740,396 
Commercial 2,712,816 2,579,735 
Commercial loans444,720 363,167 
Municipal loans346,720 390,968 
Loans to individuals40,811 49,504 
Total loans4,817,991 4,661,597 
Less: Allowance for loan losses45,100 44,884 
Net loans$4,772,891 $4,616,713 
Summary of loans by credit quality indicators and origination year
The following tables set forth the amortized cost basis by class of financing receivable and credit quality indicator for the periods presented (in thousands):
December 31, 2025Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisTotal
20252024202320222021Prior
Construction real estate:
Pass$139,542 $96,548 $60,041 $3,649 $15,979 $5,939 $148,759 $470,457 
Pass watch9,343 1,494 — 31 — — 5,596 16,464 
Special mention47,492 — — — 407 58 13,468 61,425 
Substandard57 — — — 140 27 — 224 
Doubtful— — — — — — — — 
Total construction real estate$196,434 $98,042 $60,041 $3,680 $16,526 $6,024 $167,823 $548,570 
Current period gross charge-offs$— $— $1 $— $— $— $— $1 
1-4 family residential real estate:
Pass$48,099 $50,197 $68,149 $143,782 $127,149 $278,702 $583 $716,661 
Pass watch— — — — — — — — 
Special mention— — — — — 1,508 — 1,508 
Substandard2,380 — 112 — 658 2,199 269 5,618 
Doubtful— 165 265 — — 137 — 567 
Total 1-4 family residential real estate$50,479 $50,362 $68,526 $143,782 $127,807 $282,546 $852 $724,354 
Current period gross charge-offs$— $56 $— $— $— $13 $— $69 
Commercial real estate:
Pass$745,975 $213,269 $343,198 $384,505 $382,748 $256,509 $43,971 $2,370,175 
Pass watch21,226 — 49,316 34,440 — 287 — 105,269 
Special mention— — 2,691 78,401 — 6,383 — 87,475 
Substandard30,044 — — 101,330 12,097 6,426 — 149,897 
Doubtful— — — — — — — — 
Total commercial real estate$797,245 $213,269 $395,205 $598,676 $394,845 $269,605 $43,971 $2,712,816 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial loans:
Pass$124,358 $41,277 $27,101 $27,035 $8,388 $4,627 $189,290 $422,076 
Pass watch21 43 — — 36 — — 100 
Special mention204 202 177 469 590 3 532 2,177 
Substandard1,341 12,858 1,333 713 75 38 3,497 19,855 
Doubtful79 134 111 86 90 12 — 512 
Total commercial loans$126,003 $54,514 $28,722 $28,303 $9,179 $4,680 $193,319 $444,720 
Current period gross charge-offs$— $1,689 $409 $139 $139 $23 $— $2,399 
Municipal loans:
Pass$2,135 $1,800 $31,542 $54,168 $59,342 $197,733 $— $346,720 
Pass watch— — — — — — — — 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total municipal loans$2,135 $1,800 $31,542 $54,168 $59,342 $197,733 $— $346,720 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Loans to individuals:
Pass$16,861 $8,627 $4,980 $3,682 $2,524 $1,856 $2,049 $40,579 
Pass watch— — — — — — — — 
Special mention8 — — — — — — 8 
Substandard3 1 8 2 — — — 14 
Doubtful185 20 3 1 — 1 — 210 
Total loans to individuals$17,057 $8,648 $4,991 $3,685 $2,524 $1,857 $2,049 $40,811 
Current period gross charge-offs (1)
$1,620 $34 $24 $68 $24 $18 $— $1,788 
Total loans$1,189,353 $426,635 $589,027 $832,294 $610,223 $762,445 $408,014 $4,817,991 
Total current period gross charge-offs (1)
$1,620 $1,779 $434 $207 $163 $54 $— $4,257 
(1) Includes $1.2 million in charged off demand deposit overdrafts reported as 2025 originations.
December 31, 2024Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisTotal
20242023202220212020Prior
Construction real estate:
Pass$130,555 $122,724 $46,499 $17,710 $3,564 $5,923 $132,096 $459,071 
Pass watch209 — 59,700 — 574 591 16,999 78,073 
Special mention— — — 429 — 72 — 501 
Substandard— 112 — 59 — — — 171 
Doubtful— — — — — 11 — 11 
Total construction real estate$130,764 $122,836 $106,199 $18,198 $4,138 $6,597 $149,095 $537,827 
Current period gross charge-offs$— $24 $— $— $— $— $— $24 
1-4 family residential real estate:
Pass$43,040 $65,458 $153,335 $139,048 $106,116 $226,550 $1,524 $735,071 
Pass watch— — — — — — — — 
Special mention— — — 505 — — — 505 
Substandard50 225 — 225 1,326 2,833 — 4,659 
Doubtful— — — — — 161 — 161 
Total 1-4 family residential real estate$43,090 $65,683 $153,335 $139,778 $107,442 $229,544 $1,524 $740,396 
Current period gross charge-offs$— $31 $— $— $10 $220 $— $261 
Commercial real estate:
Pass$363,370 $410,213 $632,216 $509,927 $132,562 $223,551 $41,568 $2,313,407 
Pass watch— 11,953 65,206 22,440 4,090 24,599 983 129,271 
Special mention3,983 — 79,280 175 — 13,232 — 96,670 
Substandard— — 27,994 6,409 250 5,649 — 40,302 
Doubtful— — — — — 85 — 85 
Total commercial real estate$367,353 $422,166 $804,696 $538,951 $136,902 $267,116 $42,551 $2,579,735 
Current period gross charge-offs$— $— $— $— $— $78 $— $78 
Commercial loans:
Pass$83,118 $51,895 $39,449 $13,887 $5,875 $3,091 $155,671 $352,986 
Pass watch— 30 603 787 29 513 4,972 6,934 
Special mention— 327 29 83 — 101 180 720 
Substandard365 99 281 137 22 1 1,100 2,005 
Doubtful31 244 134 61 — 52 — 522 
Total commercial loans$83,514 $52,595 $40,496 $14,955 $5,926 $3,758 $161,923 $363,167 
Current period gross charge-offs$24 $462 $590 $85 $— $12 $— $1,173 
Municipal loans:
Pass$1,949 $34,398 $57,862 $64,041 $41,115 $188,309 $— $387,674 
Pass watch— — — — 892 2,402 — 3,294 
Special mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total municipal loans$1,949 $34,398 $57,862 $64,041 $42,007 $190,711 $— $390,968 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Loans to individuals:
Pass$18,765 $10,881 $7,719 $5,949 $2,900 $949 $2,215 $49,378 
Pass watch— — — — — — — — 
Special mention— — — — — — — — 
Substandard— 2 28 — — 4 1 35 
Doubtful— 8 67 2 8 6 — 91 
Total loans to individuals$18,765 $10,891 $7,814 $5,951 $2,908 $959 $2,216 $49,504 
Current period gross charge-offs (1)
$1,655 $34 $43 $26 $33 $33 $— $1,824 
Total loans$645,435 $708,569 $1,170,402 $781,874 $299,323 $698,685 $357,309 $4,661,597 
Total current period gross charge-offs (1)
$1,679 $551 $633 $111 $43 $343 $— $3,360 
(1) Includes $1.2 million in charged off demand deposit overdrafts reported as 2024 originations.
Aging of past due loans by class of loan
The following tables present the aging of the amortized cost basis in past due loans by class of loans (in thousands):
 December 31, 2025
 30-59 Days
Past Due		60-89 Days
 Past Due		Greater than
90 Days
Past Due		Total Past
Due		CurrentTotal
Real estate loans:      
Construction$416 $1,407 $— $1,823 $546,747 $548,570 
1-4 family residential4,324 693 1,284 6,301 718,053 724,354 
Commercial1,647 5,447 — 7,094 2,705,722 2,712,816 
Commercial loans1,132 640 380 2,152 442,568 444,720 
Municipal loans— — — — 346,720 346,720 
Loans to individuals353 — — 353 40,458 40,811 
Total$7,872 $8,187 $1,664 $17,723 $4,800,268 $4,817,991 
 December 31, 2024
 30-59 Days
Past Due		60-89 Days
 Past Due		Greater than
 90 Days
Past Due		Total Past
 Due		CurrentTotal
Real estate loans:      
Construction$92 $5 $— $97 $537,730 $537,827 
1-4 family residential3,217 1,328 262 4,807 735,589 740,396 
Commercial2,054 331 — 2,385 2,577,350 2,579,735 
Commercial loans2,881 649 407 3,937 359,230 363,167 
Municipal loans— — — — 390,968 390,968 
Loans to individuals108 48 20 176 49,328 49,504 
Total$8,352 $2,361 $689 $11,402 $4,650,195 $4,661,597 
Nonperforming assets by asset class
The following table sets forth the amortized cost basis of nonperforming assets for the periods presented (in thousands):
 December 31, 2025December 31, 2024
Nonaccrual loans:
Real estate loans:
Construction$18 $122 
1-4 family residential4,939 1,734 
Commercial1,220 171 
Commercial loans4,091 1,067 
Loans to individuals218 91 
Total nonaccrual loans (1)
10,486 3,185 
Accruing loans past due more than 90 days— — 
Restructured loans27,509 2 
OREO248 388 
Repossessed assets— 14 
Total nonperforming assets$38,243 $3,589 
(1)    Includes $2.0 million and $63,000 of restructured loans as of December 31, 2025 and December 31, 2024, respectively.
Restructured loans
The following table sets forth the recorded balance of restructured loans and type of modification by class of loans during the periods presented (dollars in thousands):
Year Ended December 31, 2025
 Amortization
 Period Extension		Interest Rate ReductionCombination Total ModificationsNumber of LoansPercent of Total Class
Real estate loans:  
Commercial $27,500 $— $— $27,500 1 1.01 %
Commercial loans1,837 — — 1,837 14 0.41 %
Loans to individuals194 — — 194 2 0.48 %
Total$29,531 $— $— $29,531 17

 Year Ended December 31, 2024
 Amortization
 Period Extension		Interest Rate ReductionCombinationTotal ModificationsNumber of LoansPercent of Total Class
Commercial loans$20 $— $— $20 1 0.01 %
Loans to individuals— — 2 2 1 — 
Total$20 $— $2 $22 2
Allowance for loan losses activity by portfolio segment
The following tables detail activity in the allowance for loan losses by portfolio segment for the periods presented (in thousands):
 Year Ended December 31, 2025
 Real Estate    
 Construction
1-4 Family
Residential
Commercial
Commercial
Loans
Municipal
Loans
Loans to
Individuals
Total
Balance at beginning of period$3,958 $2,780 $35,526 $2,448 $16 $156 $44,884 
Loans charged-off(1)(69)— (2,399)— (1,788)(4,257)
Recoveries of loans charged-off— 30 17 671 — 752 1,470 
Net loans (charged-off) recovered(1)(39)17 (1,728)— (1,036)(2,787)
Provision for (reversal of) loan losses3,994 89 (6,138)3,868 (3)1,193 3,003 
Balance at end of period$7,951 $2,830 $29,405 $4,588 $13 $313 $45,100 
Year Ended December 31, 2024
Real Estate
Construction
1-4 Family
Residential
Commercial
Commercial
Loans
Municipal
Loans
Loans to
Individuals
Total
Balance at beginning of period$5,287 $2,840 $32,266 $2,086 $19 $176 $42,674 
Loans charged-off (24)(261)(78)(1,173)— (1,824)(3,360)
Recoveries of loans charged-off— 99 6 386 — 942 1,433 
Net loans (charged-off) recovered(24)(162)(72)(787)— (882)(1,927)
Provision for (reversal of) loan losses(1,305)102 3,332 1,149 (3)862 4,137 
Balance at end of period$3,958 $2,780 $35,526 $2,448 $16 $156 $44,884 
Year Ended December 31, 2023
Real Estate
Construction
1-4 Family
Residential
Commercial
Commercial
Loans
Municipal
Loans
Loans to
Individuals
Total
Balance at beginning of period$3,164 $2,173 $28,701 $2,235 $45 $197 $36,515 
Loans charged-off (1)
(92)(119)(788)(1,283)— (1,922)(4,204)
Recoveries of loans charged-off2 110 1 298 — 1,043 1,454 
Net loans (charged-off) recovered(90)(9)(787)(985)— (879)(2,750)
Provision for (reversal of) loan losses2,213 676 4,352 836 (26)858 8,909 
Balance at end of period$5,287 $2,840 $32,266 $2,086 $19 $176 $42,674 
(1)    Included in charge-offs for the year ended December 31, 2023 is a $788,000 write down to fair value an $8.1 million commercial real estate loan relationship transferred to held for sale.
v3.25.4
PREMISES AND EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2025
Property, Plant and Equipment [Abstract]  
Schedule of premises and equipment
Premises and equipment at December 31, 2025 and 2024 are summarized as follows (in thousands):
December 31,
20252024
Premises$213,643 $199,348 
Furniture and equipment45,906 45,145 
 259,549 244,493 
Less: Accumulated depreciation107,256 102,845 
Total$152,293 $141,648 
v3.25.4
DEPOSITS (Tables)
 12 Months Ended
Dec. 31, 2025
Deposits [Abstract]  
Deposit Liabilities, Type
Deposits in the accompanying consolidated balance sheets are classified as follows (in thousands):
 December 31, 2025December 31, 2024
Noninterest bearing demand deposits:  
Private accounts$1,380,468 $1,301,298 
Public accounts52,661 55,854 
Total noninterest bearing demand deposits1,433,129 1,357,152 
Interest bearing deposits:  
Private accounts:  
Savings accounts662,584 593,322 
Interest bearing demand accounts2,725,835 2,583,494 
CDs of $250,000 or more336,015 285,426 
CDs under $250,000606,194 658,286 
Total private accounts4,330,628 4,120,528 
Public accounts:  
Savings accounts1,828 2,236 
Interest bearing demand accounts734,298 905,615 
CDs of $250,000 or more362,248 265,697 
CDs under $250,0003,028 3,020 
Total public accounts1,101,402 1,176,568 
Total interest bearing deposits5,432,030 5,297,096 
Total deposits$6,865,159 $6,654,248 
Time Deposit Maturities
At December 31, 2025, the scheduled maturities of CDs, including public accounts, were as follows (in thousands):
2026$1,236,984 
202757,417 
20286,289 
20293,326 
20303,445 
2031 and thereafter24 
$1,307,485 
v3.25.4
BORROWING ARRANGEMENTS (Tables)
 12 Months Ended
Dec. 31, 2025
Debt Disclosure [Abstract]  
Schedule of debt
Information related to borrowings is provided in the table below (dollars in thousands):
December 31, 2025December 31, 2024
Other borrowings:  
Balance at end of period$208,657 $76,443 
Average amount outstanding during the period (1)
107,989 205,743 
Maximum amount outstanding during the period (2)
297,359 597,765 
Weighted average interest rate during the period (3)
4.5 %5.7 %
Interest rate at end of period (4)
3.6 %3.6 %
FHLB borrowings:  
Balance at end of period$211,136 $731,909 
Average amount outstanding during the period (1)
372,342 601,366 
Maximum amount outstanding during the period (2)
651,782 760,046 
Weighted average interest rate during the period (3)
3.7 %4.1 %
Interest rate at end of period (5)
2.9 %3.7 %
(1)The average amount outstanding during the period was computed by dividing the total daily outstanding principal balances by the number of days in the period.
(2)The maximum amount outstanding at any month-end during the period.
(3)The weighted average interest rate during the period was computed by dividing the actual interest expense by the average amount outstanding during the period. The weighted average interest rate on FHLB borrowings includes the effect of interest rate swaps.
(4)Stated rate.
(5)The interest rate on FHLB borrowings includes the effect of interest rate swaps.
Schedule of maturities of borrowings
Maturities of the obligations associated with our borrowing arrangements based on scheduled repayments at December 31, 2025 are as follows (in thousands):
Payments Due by Period
 Less than
1 Year		1-2 Years2-3 Years3-4 Years4-5 YearsThereafterTotal
Other borrowings$208,657 $— $— $— $— $— $208,657 
FHLB borrowings210,484 406 246 — — — 211,136 
Total obligations$419,141 $406 $246 $— $— $— $419,793 
v3.25.4
LONG-TERM DEBT (Tables)
 12 Months Ended
Dec. 31, 2025
Debt Disclosure [Abstract]  
Schedule of long-term debt
Information related to our long-term debt is summarized as follows for the periods presented (in thousands):
December 31, 2025December 31, 2024
Subordinated notes: (1)
3.875% Subordinated notes, net of unamortized debt issuance costs (2)
$92,190 $92,042 
7.00% Subordinated notes, net of unamortized debt issuance costs (3)
147,488 — 
Total Subordinated notes239,678 92,042 
Trust preferred subordinated debentures: (4)
Southside Statutory Trust III, net of unamortized debt issuance costs (5)
20,587 20,582 
Southside Statutory Trust IV23,196 23,196 
Southside Statutory Trust V12,887 12,887 
Magnolia Trust Company I3,609 3,609 
Total Trust preferred subordinated debentures60,279 60,274 
Total Long-term debt$299,957 $152,316 

(1)This debt consists of subordinated notes with a remaining maturity greater than one year that qualify under the risk-based capital guidelines as Tier 2 capital, subject to certain limitations.
(2)The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $810,000 at December 31, 2025 and $958,000 at December 31, 2024.
(3)The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $2.5 million at December 31, 2025.
(4)This debt consists of trust preferred securities that qualify under the risk-based capital guidelines as Tier 1 capital, subject to certain limitations.
(5)The unamortized debt issuance costs reflected in the carrying amount of the Southside Statutory Trust III junior subordinated debentures totaled $32,000 at December 31, 2025 and $37,000 at December 31, 2024.
Schedule of subordinated borrowing
As of December 31, 2025, the details of the subordinated notes and the trust preferred subordinated debentures are summarized below (dollars in thousands):
Date IssuedAmount IssuedFixed or Floating RateInterest RateMaturity Date
3.875% Subordinated Notes (1)
November 6, 2020$100,000 Fixed-to-Floating
3 month SOFR + 3.66%
November 15, 2030
7.00% Subordinated Notes
August 14, 2025$150,000 Fixed-to-Floating7.00%August 15, 2035
Southside Statutory Trust IIISeptember 4, 2003$20,619 Floating
3 month SOFR + 3.20%
September 4, 2033
Southside Statutory Trust IVAugust 8, 2007$23,196 Floating
3 month SOFR + 1.56%
October 30, 2037
Southside Statutory Trust VAugust 10, 2007$12,887 Floating
3 month SOFR + 2.51%
September 15, 2037
Magnolia Trust Company I (2)
May 20, 2005$3,609 Floating
3 month SOFR + 2.06%
November 23, 2035
(1)On April 4, 2024 and June 14, 2023, the Company repurchased $2.0 million and $5.0 million, respectively, of the $100.0 million fixed-to-floating rate subordinated notes that mature on November 15, 2030.
(2)On October 10, 2007, as part of an acquisition we assumed $3.6 million of floating rate junior subordinated debentures issued in 2005 to Magnolia Trust Company I.
v3.25.4
EMPLOYEE BENEFITS (Tables)
 12 Months Ended
Dec. 31, 2025
Employee Benefits Including Defined Benefit Plans and Share-based Compensation Plans [Abstract]  
Schedule of changes in projected benefit obligation and fair value of plan assets
Activity in our defined benefit pension plans and restoration plan were as follows (in thousands):
Years Ended December 31,
 202520242023
 Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan
 (in thousands)
Change in Projected Benefit Obligation:      
Benefit obligation at end of prior year$68,307 $2,057 $16,848 $73,165 $2,246 $16,176 $69,869 $2,379 $15,463 
Interest cost3,682 113 895 3,620 105 859 3,771 126 831 
Actuarial (gain) loss782 205 1,112 (4,182)(220)666 3,856 201 555 
Benefits paid(4,499)(69)(855)(4,296)(74)(853)(4,218)(61)(673)
Expenses paid— — — — — — (113)(88)— 
Settlements— (1,739)— — — — — (311)— 
Benefit obligation at end of year68,272 567 18,000 68,307 2,057 16,848 73,165 2,246 16,176 
Change in Plan Assets:      
Fair value of plan assets at end of prior year77,488 3,152 — 81,551 3,085 — 76,735 3,128 — 
Actual return on plan assets5,613 303 — 233 141 — 9,147 417 — 
Employer contributions— — 855 — — 853 — — 673 
Benefits paid(4,499)(69)(855)(4,296)(74)(853)(4,218)(61)(673)
Expenses paid— — — — — — (113)(88)— 
Settlements— (1,739)— — — — — (311)— 
Fair value of plan assets at end of year78,602 1,647 — 77,488 3,152 — 81,551 3,085 — 
(Un)Funded status at end of year10,330 1,080 (18,000)9,181 1,095 (16,848)8,386 839 (16,176)
Accrued benefit (liability) asset recognized$10,330 $1,080 $(18,000)$9,181 $1,095 $(16,848)$8,386 $839 $(16,176)
Accumulated benefit obligation at end of year$68,272 $567 $18,000 $68,307 $2,057 $16,848 $73,165 $2,246 $16,176 
Schedule of amounts recognized in other comprehensive income (loss)
Amounts related to our defined benefit pension plans and restoration plan recognized as a component of other comprehensive income (loss) were as follows (in thousands):
Years Ended December 31,
 202520242023
 Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan
Recognition of net loss$2,374 $— $85 $578 $— $51 $726 $— $30 
Recognition of gain due to settlement— (192)— — — — — (16)— 
Net gain (loss) occurring during the year757 (39)(1,112)(442)180 (666)718 29 (555)
 3,131 (231)(1,027)136 180 (615)1,444 13 (525)
Deferred tax (expense) benefit(658)49 216 (29)(37)129 (303)(3)110 
Other comprehensive income (loss), net of tax$2,473 $(182)$(811)$107 $143 $(486)$1,141 $10 $(415)
Schedule of amounts in accumulated other comprehensive income (loss) recognized in net periodic benefit cost during period
Net amounts recognized in net periodic benefit cost and other comprehensive income (loss) were as follows (in thousands):
 December 31, 2025December 31, 2024
 Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan
Net loss$2,374 $— $85 $578 $— $51 
Deferred tax expense(498)— (18)(121)— (11)
Accumulated other comprehensive income (loss), net of tax$1,876 $— $67 $457 $— $40 
Schedule of amounts recognized as a component of accumulated other comprehensive loss
Amounts recognized as a component of accumulated other comprehensive income (loss) were as follows (in thousands):

 December 31, 2025December 31, 2024
 Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan
Net gain (loss)$(18,089)$62 $(4,153)$(21,220)$293 $(3,126)
Deferred tax (expense) benefit3,798 (12)872 4,456 (61)656 
Accumulated other comprehensive income (loss), net of tax$(14,291)$50 $(3,281)$(16,764)$232 $(2,470)
Schedule of components of net periodic pension cost and postretirement benefit cost
Net periodic pension cost and postretirement benefit cost included the following components (in thousands):
Years Ended December 31,
 202520242023
Retirement Plan: 
Interest cost$3,682 $3,620 $3,771 
Expected return on assets(4,074)(4,857)(4,573)
Net loss amortization2,374 578 726 
Net periodic benefit cost (income)$1,982 $(659)$(76)
Acquired Retirement Plan: 
Interest cost$113 $105 $126 
Expected return on assets(137)(180)(187)
Gain recognized due to settlement(192)— (16)
Net periodic benefit cost (income)$(216)$(75)$(77)
Restoration Plan:   
Interest cost$895 $859 $831 
Net loss amortization85 51 30 
Net periodic benefit cost$980 $910 $861 
Schedule of assumptions used to determine benefit obligation and net periodic benefit cost
The assumptions used to determine the benefit obligation were as follows:
 December 31, 2025December 31, 2024
 Retirement
Plan		Acquired Retirement PlanRestoration
Plan		Retirement
Plan		Acquired Retirement PlanRestoration
Plan
Discount rate5.45 %5.75 %5.29 %5.58 %5.71 %5.47 %
The assumptions used to determine net periodic pension cost and postretirement benefit cost were as follows:
Years Ended December 31,
 202520242023
Retirement Plan:   
Discount rate5.58 %5.13 %5.46 %
Expected long-term rate of return on plan assets5.80 %6.13 %6.13 %
Acquired Retirement Plan:
Discount rate5.71 %5.13 %5.46 %
Expected long-term rate of return on plan assets6.30 %6.13 %6.13 %
Restoration Plan:   
Discount rate5.47 %5.13 %5.46 %
Schedule of allocation of plan assets
The major categories of assets in the Plan and the Acquired Retirement Plan are presented in the following table (in thousands).  Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 “Fair Value Measurements and Disclosures,” utilized to measure fair value (see “Note 12 – Fair Value Measurement”).  Our Restoration Plan is unfunded.
December 31, 2025December 31, 2024
Retirement
Plan		Acquired Retirement PlanRetirement
Plan		Acquired Retirement Plan
Level 1:
Cash and cash equivalents (1)
$1,205 $1,647 $— $— 
Equity securities:  
U.S. companies (2)
— — — 756 
International (3)
— — — 295 
Fixed income securities:
Corporate bonds (4)
— — — 2,030 
Real estate (5)
— — — 71 
Level 2:  
Cash equivalents— — 1,598 — 
Equity securities:
U.S. companies (6)
6,817 — 5,544 — 
International (6)
2,061 — 1,532 — 
Fixed income securities: 
Collective investment funds (7)
68,519 — 68,814 — 
Total fair value of plan assets$78,602 $1,647 $77,488 $3,152 
(1)The Acquired Retirement Plan assets were sold in December 2025 in preparation for the merger of the Acquired Retirement Plan with the Retirement Plan on January 1, 2026.
(2)This category consist of pooled separate accounts invested mainly in domestic stocks.
(3)This category is comprised of pooled separate accounts invested in mutual funds and international stocks.
(4)This category consist of pooled separate accounts invested in mutual funds, bonds and fixed income securities.
(5)This category is comprised of a pooled separate account invested in commercial real estate and includes mortgage loans which are backed by the associated properties.
(6)This category is comprised of collective investment funds invested in mutual funds.
(7)Funds invest principally in investment grade debt securities, including U.S. Government obligations, corporate bonds and mortgage and asset backed securities.
Schedule of expected future benefit payments related to pension and postretirement plans
As of December 31, 2025, expected future benefit payments related to the Retirement Plan, the Acquired Retirement Plan and the Restoration Plan were as follows (in thousands):
 Retirement PlanAcquired Retirement PlanRestoration
Plan
2026$5,050 $15 $1,470 
20275,270 42 1,460 
20285,250 280 1,490 
20295,120 5 1,480 
20305,190 5 1,460 
2031 through 203525,010 6 7,050 
 $50,890 $353 $14,410 
Schedule of share-based compensation expense
Share-based compensation expense related to incentive plans and related income tax benefit are presented in the following table (in thousands):
Years Ended December 31,
202520242023
Share-based compensation expense - employees$2,462 $2,943 $3,193 
Related income tax benefits - employees$517 $618 $671 
Share-based compensation expense - directors$584 $580 $359 
Related income tax benefits - directors$123 $122 $75 
Schedule of unrecognized compensation expense
Unrecognized compensation expense related to incentive plans and related income tax benefit are presented in the following table (in thousands):
December 31, 2025
Total unrecognized compensation expense$6,877 
Weighted-average expected recognition period remaining (in years)2.5
Schedule of shares issued in connection with stock compensation awards along with other related information
Shares issued in connection with stock compensation awards along with other related information are presented in the following table (in thousands, except share amounts):
Years Ended December 31,
202520242023
New shares issued from available treasury shares133,036 149,060 99,109 
Proceeds from stock option exercises$693 $2,624 $1,082 
Intrinsic value of stock options exercised$63 $480 $229 
Fair value of restricted stock units vested$3,521 $2,187 $2,171 
Schedule of stock options and restricted stock units award activity
A combined summary of activity in our share-based plans as of December 31, 2025 is presented below. Performance stock units outstanding are presented assuming attainment of the maximum payout rate as set forth by the performance criteria:
 Restricted Stock Units
Outstanding		Stock Options
 Outstanding
Service BasedPerformance Based
 Number
of Shares		Weighted-
Average
Grant-Date
Fair
Value		Number
of Shares		Weighted-
Average
Grant-Date
Fair
Value		Number
of Shares		Weighted-
Average
Exercise
 Price		Weighted-
Average
Grant-Date
Fair
Value
Balance, January 1, 2025252,028 $30.18 51,369 $35.69 520,613 $34.61 $6.57 
Granted156,602 29.48 32,409 33.48 — — — 
Stock options exercised— — — — (26,501)26.49 5.77 
Stock awards vested(109,069)31.44 (12,977)41.74 — — — 
Forfeited(11,959)30.78 (14,924)31.95 — — — 
Canceled/expired— — — — (63,658)35.05 6.65 
Balance, December 31, 2025287,602 $29.29 55,877 $33.33 430,454 $35.04 $6.60 
Schedule of shares stock option exercise price range
Other information regarding options outstanding and exercisable as of December 31, 2025 is as follows:
 Options OutstandingOptions Exercisable
Range of Exercise PricesNumber
of Shares		Weighted-
Average
Exercise
Price		Weighted-
Average
Remaining
Contractual
Life in Years		Number
of Shares		Weighted-
Average
Exercise
Price
$28.72 -$30.00 2,420 $28.72 0.462,420 $28.72 
30.01 -35.00 362,358 34.68 3.03362,358 34.68 
35.01 -37.28 65,676 37.28 0.9065,676 37.28 
Total430,454 $35.04 2.69430,454 $35.04 
v3.25.4
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES (Tables)
 12 Months Ended
Dec. 31, 2025
Derivative Instruments and Hedging Activities Disclosure [Abstract]  
Schedule of Derivatives Instruments Statements of Financial Performance and Financial Position, Location
The following table presents the amounts recorded in the consolidated balance sheets related to the cumulative adjustments for fair value hedges (in thousands):
Amortized Cost of Hedged Assets (2)
Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of the Hedged Items
December 31, 2025December 31, 2024December 31, 2025December 31, 2024
Securities AFS (1) (3)
$1,091,568 $903,168 $1,142 $16,617 
Loans (1) (3)
239,990 265,845 (58)1,545 
(1) Amounts include the amortized cost basis of closed portfolios used to designate hedging relationships under the portfolio layer method. The hedged item is a layer of the closed portfolio which is expected to be remaining at the end of the hedging relationship. As of December 31, 2025 and December 31, 2024, the amortized cost basis of the closed MBS portfolio used in these hedging relationships was $1.07 billion and $558.5 million, respectively, the amount of the designated hedged items were $301.0 million and $134.0 million, respectively, and the cumulative amount of fair value hedging adjustments associated with these MBS hedging relationships was a gain of $789,000 and $1.1 million, respectively. As of December 31, 2025 and December 31, 2024, the amortized cost basis of the closed loan portfolio used in these hedging relationships was $240.0 million and $265.8 million, respectively, the amount of the designated hedged items were $155.0 million for both periods, and the cumulative amount of fair value hedging adjustments associated with these loan hedging relationships was a loss of $58,000 and a gain of $1.5 million, respectively.
(2) Excludes fair value hedging adjustments.
(3) Excluded from the table above are the cumulative amount of fair value hedging adjustments for securities AFS and loans for which hedge accounting has been discontinued in the amounts of a loss of $740,000 and a loss of $3.0 million, respectively, at December 31, 2025, and a loss of $4.8 million and a loss of $3.7 million, respectively, at December 31, 2024.
Schedule of derivative instruments in statement of financial position, fair value
The following tables present the notional and estimated fair value amount of derivative positions outstanding (in thousands):
December 31, 2025December 31, 2024
Estimated Fair ValueEstimated Fair Value
Notional Amount (1)
Asset DerivativeLiability Derivative
Notional
Amount (1)
Asset DerivativeLiability Derivative
Derivatives designated as hedging instruments
Interest rate contracts:
Swaps-Cash Flow Hedge-Financial institution counterparties$860,000 $2,978 $3,641 $790,000 $12,625 $1,078 
Swaps-Fair Value Hedge-Financial institution counterparties480,110 862 161 602,950 18,331 217 
Derivatives designated as non-hedging instruments
Interest rate contracts:
Swaps-Financial institution counterparties706,372 13,212 7,100 408,749 21,534 1,321 
Swaps-Customer counterparties706,372 7,100 13,212 408,749 1,321 21,534 
Gross derivatives24,152 24,114 53,811 24,150 
Offsetting derivative assets/liabilities(10,902)(10,902)(2,616)(2,616)
Cash collateral received/posted(5,538)— (49,874)— 
Net derivatives included in the consolidated balance sheets (2)
$7,712 $13,212 $1,321 $21,534 
(1)    Notional amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected in the consolidated balance sheets.
(2)    Net derivative assets are included in other assets and net derivative liabilities are included in other liabilities on the consolidated balance sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and our credit risk. At December 31, 2025, we had $612,000 credit exposure related to interest rate swaps with financial institutions and $7.1 million related to interest rate swaps with customers. At December 31, 2024, we had no credit exposure related to interest rate swaps with financial institutions and $1.3 million related to interest rate swaps with customers. The credit risk associated with customer transactions is partially mitigated as these are generally secured by the non-cash collateral securing the underlying transaction being hedged.
 [1]
Weighted average maturity and interest rates on risk management interest rate swaps
The summarized expected weighted average remaining maturity of the notional amount of interest rate swaps and the weighted average interest rates associated with the amounts expected to be received or paid on interest rate swap agreements are presented below (dollars in thousands). Variable rates received on fixed pay swaps are based on overnight SOFR rates in effect at December 31, 2025 and December 31, 2024:
December 31, 2025December 31, 2024
Weighted AverageWeighted Average
Notional AmountRemaining Maturity
 (in years)		Receive Rate
Pay
Rate
Notional AmountRemaining Maturity
 (in years)		Receive RatePay
Rate
Swaps-Cash Flow hedge
Financial institution counterparties$860,000 1.33.83 %3.20 %$790,000 1.64.60 %2.62 %
Swaps-Fair Value hedge
Financial institution counterparties480,110 1.43.78 %3.47 %602,950 3.04.76 %3.33 %
Swaps-Non-hedging
Financial institution counterparties706,372 4.13.92 %3.54 %408,749 5.44.65 %3.39 %
Customer counterparties706,372 4.13.54 %3.92 %408,749 5.43.39 %4.65 %
Derivative Instruments, Gain (Loss)
The following table presents amounts included in the consolidated statements of income related to interest rate swap agreements (in thousands):
 Years Ended December 31,
 202520242023
Derivatives designated as hedging instruments
Swaps-Cash Flow hedge
Gain (loss) included in interest expense on deposits$4,935 $13,833 $15,225 
Gain (loss) included in interest expense on FHLB borrowings2,989 8,209 8,432 
Gain (loss) included in interest expense on other borrowings— — 887 
7,924 22,042 24,544 
Swaps-Fair Value hedge
Gain (loss) included in interest income on tax-exempt investment securities3,140 8,646 12,834 
Gain (loss) included in interest income on MBS1,432 1,167 — 
Gain (loss) included in interest income on loans959 999 — 
Derivatives designated as non-hedging instruments
Swaps-Non-hedging
Other noninterest income2,079 1,458 352 
[1] Net derivative assets are included in other assets and net derivative liabilities are included in other liabilities on the consolidated balance sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and our credit risk. At December 31, 2025, we had $612,000 credit exposure related to interest rate swaps with financial institutions and $7.1 million related to interest rate swaps with customers. At December 31, 2024, we had no credit exposure related to interest rate swaps with financial institutions and $1.3 million related to interest rate swaps with customers. The credit risk associated with customer transactions is partially mitigated as these are generally secured by the non-cash collateral securing the underlying transaction being hedged.
v3.25.4
FAIR VALUE MEASUREMENT (Tables)
 12 Months Ended
Dec. 31, 2025
Fair Value Disclosures [Abstract]  
Summary of fair value measurement on recurring and nonrecurring basis segregated by level of valuation inputs within fair value hierarchy utilized to measure fair value
The following tables summarize assets measured at fair value on a recurring and nonrecurring basis segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value (in thousands):
  Fair Value Measurements at the End of the Reporting Period Using
December 31, 2025Carrying
Amount		Quoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other Observable Inputs
(Level 2)		Significant Unobservable Inputs
(Level 3)
Recurring fair value measurements    
Investment securities:    
State and political subdivisions$176,636 $— $176,636 $— 
Corporate bonds and other18,021 — 18,021 — 
MBS: (1)
  
Residential1,259,268 — 1,259,268 — 
Commercial2,294 — 2,294 — 
Equity investments:
Equity investments5,426 5,426 — — 
Derivative assets:
Interest rate swaps24,152 — 24,152 — 
Total asset recurring fair value measurements$1,485,797 $5,426 $1,480,371 $— 
Derivative liabilities:
Interest rate swaps$24,114 $— $24,114 $— 
Total liability recurring fair value measurements$24,114 $— $24,114 $— 
Nonrecurring fair value measurements    
Foreclosed assets$248 $— $— $248 
Collateral-dependent loans (2)
37,200 — — 37,200 
Total asset nonrecurring fair value measurements$37,448 $— $— $37,448 
  Fair Value Measurements at the End of the Reporting Period Using
December 31, 2024Carrying
Amount		Quoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other Observable Inputs
(Level 2)		Significant Unobservable Inputs
(Level 3)
Recurring fair value measurements    
Investment securities:    
U.S. Treasury$173,956 $173,956 $— $— 
State and political subdivisions414,332 — 414,332 — 
Corporate bonds and other14,508 — 14,508 — 
MBS: (1)
    
Residential926,386 — 926,386 — 
Commercial4,712 — 4,712 — 
Equity investments:
Equity investments5,257 5,257 — — 
Derivative assets:
Interest rate swaps53,811 — 53,811 — 
Total asset recurring fair value measurements$1,592,962 $179,213 $1,413,749 $— 
Derivative liabilities:
Interest rate swaps$24,150 $— $24,150 $— 
Total liability recurring fair value measurements$24,150 $— $24,150 $— 
Nonrecurring fair value measurements    
Foreclosed assets$402 $— $— $402 
Collateral-dependent loans (2)
6,726 — — 6,726 
Total asset nonrecurring fair value measurements$7,128 $— $— $7,128 
(1)All MBS are issued and/or guaranteed by U.S. government agencies or U.S. GSEs.
(2)Consists of individually evaluated loans. Loans for which the fair value of the collateral and commercial real estate fair value of the properties is less than cost basis are presented net of allowance. Losses on these loans represent charge-offs which are netted against the allowance for loan losses.
Financial assets, financial liabilities, and unrecognized financial instruments at carrying amount and fair value
The following tables present our financial assets and financial liabilities measured on a nonrecurring basis at both their respective carrying amounts and estimated fair value (in thousands):
  Estimated Fair Value
December 31, 2025Carrying
Amount		TotalLevel 1Level 2Level 3
Financial assets:     
Cash and cash equivalents$389,786 $389,786 $389,786 $— $— 
Investment securities:
HTM, at net carrying value1,141,570 1,003,373 — 1,003,373 — 
MBS:
HTM, at carrying value105,907 99,931 — 99,931 — 
FHLB stock, at cost 14,062 14,062 — 14,062 — 
Equity investments4,148 4,148 — 4,148 — 
Loans, net of allowance for loan losses4,772,891 4,700,476 — — 4,700,476 
Loans held for sale1,332 1,332 — 1,332 — 
Financial liabilities:
Deposits$6,865,159 $6,865,692 $— $6,865,692 $— 
Other borrowings208,657 208,635 — 208,635 — 
FHLB borrowings211,136 210,859 — 210,859 — 
Subordinated notes, net of unamortized debt issuance costs239,678 243,304 — 243,304 — 
Trust preferred subordinated debentures, net of unamortized debt issuance costs60,279 57,710 — 57,710 — 
  Estimated Fair Value
December 31, 2024Carrying
Amount		TotalLevel 1Level 2Level 3
Financial assets:     
Cash and cash equivalents$426,161 $426,161 $426,161 $— $— 
Investment securities:   
HTM, at net carrying value1,165,007 1,009,778 — 1,009,778 — 
MBS:     
HTM, at carrying value114,227 103,704 — 103,704 — 
FHLB stock, at cost 33,818 33,818 — 33,818 — 
Equity investments4,210 4,210 — 4,210 — 
Loans, net of allowance for loan losses4,616,713 4,499,646 — — 4,499,646 
Loans held for sale1,946 1,946 — 1,946 — 
Financial liabilities:    
Deposits$6,654,248 $6,646,510 $— $6,646,510 $— 
Other borrowings76,443 76,399 — 76,399 — 
FHLB borrowings731,909 727,177 — 727,177 — 
Subordinated notes, net of unamortized debt issuance costs92,042 88,999 — 88,999 — 
Trust preferred subordinated debentures, net of unamortized debt issuance costs60,274 56,172 — 56,172 — 
v3.25.4
SHAREHOLDERS' EQUITY (Tables)
 12 Months Ended
Dec. 31, 2025
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
Schedule of compliance with regulatory capital requirements under ranking regulations
As of December 31, 2025, the most recent notification from the FDIC categorized us as well capitalized under the regulatory framework for prompt corrective action.  To be categorized as well capitalized we must maintain minimum Common Equity Tier 1 risk-based, Tier 1 risk-based, Total risk-based and Tier 1 leverage ratios as set forth in the following table (dollars in thousands).  There are no conditions or events since that notification that management believes have changed our category.
 ActualFor Capital
Adequacy Purposes		To Be Well Capitalized
Under Prompt
Corrective Action
Provisions
 AmountRatioAmountRatioAmountRatio
December 31, 2025
Common Equity Tier 1 (to Risk Weighted Assets)
Consolidated$744,172 12.87 %$260,186 4.50 %N/AN/A
Bank Only$962,990 16.66 %$260,102 4.50 %$375,703 6.50 %
Tier 1 Capital (to Risk Weighted Assets)      
Consolidated$802,640 13.88 %$346,915 6.00 %N/AN/A
Bank Only$962,990 16.66 %$346,803 6.00 %$462,403 8.00 %
Total Capital (to Risk Weighted Assets)      
Consolidated$1,072,160 18.54 %$462,553 8.00 %N/AN/A
Bank Only$1,011,270 17.50 %$462,403 8.00 %$578,004 10.00 %
Tier 1 Capital (to Average Assets) (1)
      
Consolidated$802,640 9.72 %$330,251 4.00 %N/AN/A
Bank Only$962,990 11.67 %$329,998 4.00 %$412,498 5.00 %
December 31, 2024      
Common Equity Tier 1 (to Risk Weighted Assets)
Consolidated$739,351 13.04 %$255,228 4.50 %N/AN/A
Bank Only$870,541 15.35 %$255,183 4.50 %$368,598 6.50 %
Tier 1 Capital (to Risk Weighted Assets)      
Consolidated$797,814 14.07 %$340,304 6.00 %N/AN/A
Bank Only$870,541 15.35 %$340,244 6.00 %$453,659 8.00 %
Total Capital (to Risk Weighted Assets)      
Consolidated$935,308 16.49 %$453,739 8.00 %N/AN/A
Bank Only$915,993 16.15 %$453,659 8.00 %$567,074 10.00 %
Tier 1 Capital (to Average Assets) (1)
      
Consolidated$797,814 9.67 %$330,155 4.00 %N/AN/A
Bank Only$870,541 10.55 %$330,042 4.00 %$412,553 5.00 %
(1)    Refers to quarterly average assets as calculated in accordance with policies established by bank regulatory agencies.
v3.25.4
INCOME TAXES (Tables)
 12 Months Ended
Dec. 31, 2025
Income Tax Disclosure [Abstract]  
Schedule of components of income tax provision
The income tax expense included in the accompanying consolidated statements of income consists of the following (in thousands):
 Years Ended December 31,
 202520242023
Current income tax expense$13,761 $19,909 $16,547 
Deferred income tax expense (benefit)(351)(1,026)(2,110)
Income tax expense$13,410 $18,883 $14,437 
Schedule of net deferred tax assets and liabilities
The components of the net deferred tax asset/liability as of December 31, 2025 and 2024 are summarized below (in thousands):
 AssetsLiabilities
Allowance for loan losses$9,471 $
Retirement and other benefit plans 2,198 
Premises and equipment8,359 
Operating lease liabilities3,010 
Operating lease ROU assets2,604 
Core deposit intangible49 
Unrealized losses on securities AFS20,803 
Effective hedging derivatives309 
Fair value adjustment on loans327 
Unfunded status of defined benefit plan4,658  
State business tax credit60  
Stock-based compensation1,189  
Other442 
Gross deferred tax assets/liabilities40,269 13,210 
Net deferred tax asset at December 31, 2025$27,059 
Allowance for loan losses$9,426 $
Retirement and other benefit plans 2,674 
Premises and equipment 8,196 
Operating lease liabilities3,313 
Operating lease ROU assets2,911 
Core deposit intangible132 
Unrealized losses on securities AFS33,466 
Effective hedging derivatives4,926 
Fair value adjustment on loans385 
Unfunded status of defined benefit plan5,051  
State business tax credit121  
Stock-based compensation1,404  
Other165 
Gross deferred tax assets/liabilities53,331 18,839 
Net deferred tax asset at December 31, 2024$34,492 
Schedule of income tax reconciliation
A reconciliation of tax at statutory rates and total tax expense is as follows (dollars in thousands):
 Years Ended December 31,
 202520242023
 AmountPercent of Pre-Tax IncomeAmountPercent of Pre-Tax IncomeAmountPercent of Pre-Tax Income
Statutory tax expense$17,352 21.0 %$22,549 21.0 %$21,237 21.0 %
State business tax (1)
424 0.5 %883 0.8 %353 0.3 %
Nontaxable or Nondeductible Items:      
Tax exempt interest(3,954)(4.8)%(3,797)(3.5)%(6,107)(6.0)%
BOLI(762)(0.9)%(893)(0.8)%(1,222)(1.2)%
Other, net350 0.4 %141 0.1 %176 0.2 %
Income tax expense$13,410 16.2 %$18,883 17.6 %$14,437 14.3 %
(1) State taxes in Texas made up the majority (greater than 50%) of the tax effect in this category.
v3.25.4
LEASES (Tables)
 12 Months Ended
Dec. 31, 2025
Leases [Abstract]  
Leases Balance Sheet Information
Balance sheet information related to leases was as follows (in thousands):
 December 31, 2025December 31, 2024
Operating leases: 
Operating lease ROU assets$12,398 $13,860 
Operating lease liabilities$14,335 $15,779 
Additional information related to leases was as follows:
 December 31, 2025December 31, 2024
Weighted average remaining lease term (in years)11.512.1
Weighted average discount rate3.47 %3.31 %
Lease Expense
The components of lease cost were as follows (in thousands):
Years Ended December 31,
202520242023
Operating lease cost$1,845 $1,858 $1,802 


Supplemental cash flow information related to leases was as follows (in thousands):
 Years Ended December 31,
202520242023
Cash paid for amounts included in the measurement of the lease liabilities:
Operating cash flows for operating leases$1,827 $1,799 $1,716 
ROU assets obtained in exchange for new operating lease liabilities$— $556 $809 
Lessee, Operating Lease, Liability, Maturity
Future minimum rental commitments due under non-cancelable operating leases at December 31, 2025 were as follows (in thousands):
Year ending December 31,
2026$1,818 
20271,707 
20281,676 
20291,508 
20301,329 
2031 and thereafter9,488 
Total lease payments17,526 
Less: Interest(3,191)
Present value of lease liabilities$14,335 
Gross Rental Income
Gross rental income from these leases were as follows (in thousands):
 Years Ended December 31,
202520242023
Gross rental income$3,061 $3,151 $3,584 
Lessor, Operating Lease, Payments to be Received, Maturity
At December 31, 2025, non-cancelable operating leases with future minimum lease payments are as follows (in thousands):
Year ending December 31,
2026$4,100 
20273,421 
20282,576 
20292,236 
20301,864 
2031 and thereafter6,167 
Total lease payments$20,364 
v3.25.4
OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES (Tables)
 12 Months Ended
Dec. 31, 2025
Commitments and Contingencies Disclosure [Abstract]  
Off-balance-sheet, Allowance for off-balance-sheet credit exposures
Allowance for off-balance-sheet credit exposures were as follows (in thousands):
Years Ended December 31,
202520242023
Balance at beginning of period$3,141 $3,932 $3,687 
Provision for (reversal of) off-balance-sheet credit exposures25 (791)245 
Balance at end of period$3,166 $3,141 $3,932 
Scheduled maturities of unused commitments
Financial instruments with off-balance-sheet risk were as follows (in thousands):
 December 31, 2025December 31, 2024
  
Commitments to extend credit$840,794 $865,178 
Standby letters of credit19,456 16,532 
Total$860,250 $881,710 
v3.25.4
PARENT COMPANY FINANCIAL INFORMATION (Tables)
 12 Months Ended
Dec. 31, 2025
Condensed Financial Information Disclosure [Abstract]  
Condensed Balance Sheets of Parent Company
Condensed financial information for Southside Bancshares, Inc. (parent company only) was as follows (in thousands, except share amounts):
CONDENSED BALANCE SHEETSDecember 31,
 20252024
ASSETS  
Cash and due from banks$77,643 $17,360 
Investment in bank subsidiaries at equity in underlying net assets1,064,248 940,948 
Investment in nonbank subsidiaries at equity in underlying net assets1,826 1,826 
Other assets9,225 5,342 
Total assets$1,152,942 $965,476 
LIABILITIES AND SHAREHOLDERS’ EQUITY  
Subordinated notes, net of unamortized debt issuance costs$239,678 $92,042 
Trust preferred subordinated debentures, net of unamortized debt issuance costs60,279 60,274 
Other liabilities5,370 1,218 
Total liabilities305,327 153,534 
Shareholders’ equity:  
Common stock: ($1.25 par value, 80,000,000 shares authorized, 38,110,078 shares issued at December 31, 2025 and 38,077,992 shares issued at December 31, 2024)
47,638 47,598 
Paid-in capital795,759 793,586 
Retained earnings352,193 326,793 
Treasury stock: (shares at cost, 8,387,077 at December 31, 2025 and 7,699,182 at December 31, 2024)
(252,358)(231,137)
AOCI(95,617)(124,898)
Total shareholders’ equity847,615 811,942 
Total liabilities and shareholders’ equity$1,152,942 $965,476 
Condensed Statements of Income of Parent Company
CONDENSED STATEMENTS OF INCOME
 Years Ended December 31,
 202520242023
Income
Dividends from subsidiary$40,000 $65,000 $85,000 
Interest income121 138 135 
Other— 178 587 
Total income40,121 65,316 85,722 
Expense   
Interest expense12,242 8,395 8,424 
Other3,496 3,201 3,319 
Total expense15,738 11,596 11,743 
Income before income tax expense24,383 53,720 73,979 
Income tax benefit3,279 2,368 2,314 
Income before equity in undistributed earnings of subsidiaries27,662 56,088 76,293 
Equity in undistributed earnings of subsidiaries41,558 32,406 10,399 
Net income$69,220 $88,494 $86,692 
Condensed Statements of Cash Flow of Parent Company
CONDENSED STATEMENTS OF CASH FLOWS
 Years Ended December 31,
 202520242023
 
OPERATING ACTIVITIES:   
Net income$69,220 $88,494 $86,692 
Adjustments to reconcile net income to net cash provided by operations:   
Amortization213 152 159 
Stock compensation expense585 580 360 
Equity in undistributed earnings of subsidiaries(41,558)(32,406)(10,399)
(Gain on purchase) loss on redemption of subordinated notes— (178)(587)
Net change in other assets(3,883)(577)(354)
Net change in other liabilities4,152 (70)303 
Net cash provided by operating activities28,729 55,995 76,174 
INVESTING ACTIVITIES:   
Investment in subsidiaries(50,000)— — 
Net cash used in investing activities(50,000)— — 
FINANCING ACTIVITIES:   
Net proceeds from issuance of subordinated long-term debt147,428 — — 
Purchase/redemption of subordinated notes— (1,805)(4,365)
Purchase of common stock(23,366)(1,505)(45,074)
Proceeds from issuance of common stock863 3,208 1,709 
Cash dividends paid(43,371)(43,630)(43,582)
Net cash (used in) provided by financing activities81,554 (43,732)(91,312)
Net increase (decrease) in cash and cash equivalents60,283 12,263 (15,138)
Cash and cash equivalents at beginning of period17,360 5,097 20,235 
Cash and cash equivalents at end of period$77,643 $17,360 $5,097 
v3.25.4
SUMMARY OF SIGNIFICANT ACCOUNTING AND REPORTING POLICIES (Details)
 12 Months Ended
Dec. 31, 2025
USD ($)
banking_offices
segment
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Organization and Basis of Presentation [Abstract]      
Number of branches | banking_offices 53    
Number of branches in grocery stores | banking_offices 12    
Segment Information [Abstract]      
Number of reportable segments | segment 1    
Goodwill and Other Intangible Assets [Abstract]      
Goodwill impairment loss $ 0 $ 0  
Amortization expense of intangible assets 742,000 1,171,000 $ 1,697,000
Derivative Instruments and Hedges, Assets [Abstract]      
Less: Allowance for Credit Losses $ 25,000 0  
Financing Receivable, Threshold Period Past Due 90 days    
Financing Receivable, Threshold Period Past Due, Writeoff 120 days    
Goodwill, Impaired, Accumulated Impairment Loss $ 0 0  
Retirement Plan      
Derivative Instruments and Hedges, Assets [Abstract]      
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) 1,982,000 (659,000) (76,000)
Core deposit intangible      
Goodwill and Other Intangible Assets [Abstract]      
Intangible assets, net 232,000    
Trust relationship intangible      
Goodwill and Other Intangible Assets [Abstract]      
Intangible assets, net 780,000    
Core Deposit Intangible and Trust Relationship Intangible [Member]      
Goodwill and Other Intangible Assets [Abstract]      
Amortization expense of intangible assets $ 742,000 $ 1,200,000 $ 1,700,000
Premises | Minimum      
Premises and Equipment [Abstract]      
Estimated useful life 15 years    
Premises | Maximum      
Premises and Equipment [Abstract]      
Estimated useful life 40 years    
Equipment | Minimum      
Premises and Equipment [Abstract]      
Estimated useful life 3 years    
Equipment | Maximum      
Premises and Equipment [Abstract]      
Estimated useful life 10 years    
v3.25.4
EARNINGS PER SHARE (Details) - USD ($)
$ / shares in Units, shares in Thousands, $ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Basic and Diluted Earnings:      
Net income $ 69,220 $ 88,494 $ 86,692
Less: Earnings allocated to participating securities 41 57 38
Net income available to common shareholders $ 69,179 $ 88,437 $ 86,654
Basic weighted-average shares outstanding (in shares) 30,137 30,293 30,704
Add: Stock awards (in shares) 89 76 55
Diluted weighted-average shares outstanding (in shares) 30,226 30,369 30,759
Basic earnings per share:      
Earnings per common share - basic (in dollars per share) $ 2.30 $ 2.92 $ 2.82
Diluted earnings per share:      
Earnings per common share - diluted (in dollars per share) $ 2.29 $ 2.91 $ 2.82
Number of antidilutive options (in shares) 460 525 570
v3.25.4
ACCUMULATED OTHER COMPREHENSIVE LOSS - Accumulated Other Comprehensive Income, Changes In (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
AOCI Attributable to Parent, Net of Tax      
Beginning balance, net of tax $ 811,942 $ 773,288 $ 745,997
Income tax (expense) benefit (7,783) 3,040 (6,378)
Ending balance, net of tax 847,615 811,942 773,288
Unrealized Gains (Losses) on Securities      
AOCI Attributable to Parent, Net of Tax      
Beginning balance, net of tax (112,199) (107,499) (149,181)
Other comprehensive income (loss) before reclassifications 4,917 (16,686) 28,782
Reclassification adjustments included in net income 40,511 10,737 23,980
Income tax (expense) benefit (9,540) 1,249 (11,080)
Net current-period other comprehensive income (loss), net of tax 35,888 (4,700) 41,682
Ending balance, net of tax (76,311) (112,199) (107,499)
Unrealized Gains (Losses) on Derivatives      
AOCI Attributable to Parent, Net of Tax      
Beginning balance, net of tax 6,303 12,803 31,227
Other comprehensive income (loss) before reclassifications (2,313) 13,814 1,222
Reclassification adjustments included in net income (7,924) (22,042) (24,544)
Income tax (expense) benefit 2,150 1,728 4,898
Net current-period other comprehensive income (loss), net of tax (8,087) (6,500) (18,424)
Ending balance, net of tax (1,784) 6,303 12,803
Retirement Plans      
AOCI Attributable to Parent, Net of Tax      
Beginning balance, net of tax (19,002) (18,766) (19,502)
Other comprehensive income (loss) before reclassifications (586) (928) 176
Reclassification adjustments included in net income 2,459 629 756
Income tax (expense) benefit (393) 63 (196)
Net current-period other comprehensive income (loss), net of tax 1,480 (236) 736
Ending balance, net of tax (17,522) (19,002) (18,766)
Total      
AOCI Attributable to Parent, Net of Tax      
Beginning balance, net of tax (124,898) (113,462) (137,456)
Other comprehensive income (loss) before reclassifications 2,018 (3,800) 30,180
Reclassification adjustments included in net income 35,046 (10,676) 192
Income tax (expense) benefit (7,783) 3,040 (6,378)
Net current-period other comprehensive income (loss), net of tax 29,281 (11,436) 23,994
Ending balance, net of tax $ (95,617) $ (124,898) $ (113,462)
v3.25.4
ACCUMULATED OTHER COMPREHENSIVE LOSS - Reclassifications out of Accumulated Other Comprehensive Income (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]      
Amortization of unrealized gains and losses $ 8,241 $ 8,227 $ 8,004
Tax benefit (expense) (13,410) (18,883) (14,437)
Realized net (loss) gain on sale of securities (32,270) (2,510) (15,976)
Total reclassifications for the period, net of tax (27,686) 8,434 (151)
Unrealized gains (losses)      
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]      
Reclassified from accumulated other comprehensive income (loss) (40,511) (10,737) (23,980)
Realized net gain (loss) on interest rate swap derivatives      
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]      
Reclassified from accumulated other comprehensive income (loss) 7,924 22,042 24,544
Net actuarial loss      
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]      
Reclassified from accumulated other comprehensive income (loss) [1] (2,459) (629) (756)
Amortization of retirement plans      
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]      
Reclassified from accumulated other comprehensive income (loss) (2,459) (629) (756)
Tax benefit 516 132 159
Total reclassifications for the period, net of tax (1,943) (497) (597)
Unrealized losses on securities transferred | Reclassification out of accumulated other comprehensive income | Unrealized gains (losses)      
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]      
Amortization of unrealized gains and losses [2] (8,241) (8,227) (8,004)
Tax benefit (expense) 1,731 1,728 1,681
Net of tax (6,510) (6,499) (6,323)
Unrealized gains and losses on available for sale securities | Reclassification out of accumulated other comprehensive income | Unrealized gains (losses)      
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]      
Tax benefit (expense) 6,777 527 3,355
Net of tax (25,493) (1,983) (12,621)
Realized net (loss) gain on sale of securities [3] (32,270) (2,510) (15,976)
Interest rate swap derivatives | Reclassification out of accumulated other comprehensive income | Realized net gain (loss) on interest rate swap derivatives      
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]      
Tax benefit (expense) (1,664) (4,629) (5,154)
Net of tax 6,260 17,413 19,390
Realized net gain (loss) on interest rate swaps [4] $ 7,924 $ 22,042 $ 24,544
[1] These AOCI components are included in the computation of net periodic pension cost (income) presented in “Note 10 – Employee Benefits.”
[2] Included in interest income on the consolidated statements of income.
[3] Listed as net gain (loss) on sale of securities AFS on the consolidated statements of income.
[4] Included in interest expense for FHLB borrowings, other borrowings and deposits on the consolidated statements of income.
v3.25.4
SECURITIES - Schedule of Debt Securities Components (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
AVAILABLE FOR SALE:    
Amortized Cost $ 1,456,986 $ 1,587,416
Gross unrealized gain 17,095 1,210
Gross unrealized loss 17,862 54,732
Less: Allowance for Credit Losses 0 0
Securities available for sale, at estimated fair value 1,456,219 1,533,894
HELD TO MATURITY:    
Amortized Cost 1,247,502 1,279,234
Gross unrealized gains 2,994 4,029
Gross unrealized losses 147,192 169,781
Estimated fair value 1,103,304 1,113,482
Less: Allowance for Credit Losses 25 0
Amortized cost 1,247,477 1,279,234
US Treasury Securities    
AVAILABLE FOR SALE:    
Amortized Cost   173,880
Gross unrealized gain   76
Gross unrealized loss   0
Less: Allowance for Credit Losses   0
Securities available for sale, at estimated fair value   173,956
State and Political Subdivisions    
AVAILABLE FOR SALE:    
Amortized Cost 192,268 458,013
Gross unrealized gain 1,423 36
Gross unrealized loss 17,055 43,717
Less: Allowance for Credit Losses 0 0
Securities available for sale, at estimated fair value 176,636 414,332
HELD TO MATURITY:    
Amortized Cost 1,042,986 1,040,912
Gross unrealized gains 2,290 4,004
Gross unrealized losses 139,719 152,697
Estimated fair value 905,557 892,219
Less: Allowance for Credit Losses 25 0
Amortized cost 1,042,961 1,040,912
Corporate bonds and other    
AVAILABLE FOR SALE:    
Amortized Cost 17,793 14,646
Gross unrealized gain 327 263
Gross unrealized loss 99 401
Less: Allowance for Credit Losses 0 0
Securities available for sale, at estimated fair value 18,021 14,508
HELD TO MATURITY:    
Amortized Cost 98,609 124,095
Gross unrealized gains 694 17
Gross unrealized losses 1,487 6,553
Estimated fair value 97,816 117,559
Less: Allowance for Credit Losses 0 0
Amortized cost 98,609 124,095
Residential    
AVAILABLE FOR SALE:    
Amortized Cost [1] 1,244,698 935,639
Gross unrealized gain [1] 15,278 835
Gross unrealized loss [1] 708 10,088
Less: Allowance for Credit Losses [1] 0 0
Securities available for sale, at estimated fair value [1] 1,259,268 926,386
HELD TO MATURITY:    
Amortized Cost [1] 77,080 84,660
Gross unrealized gains [1] 10 8
Gross unrealized losses [1] 4,898 8,549
Estimated fair value [1] 72,192 76,119
Less: Allowance for Credit Losses [1] 0 0
Amortized cost [1] 77,080 84,660
Commercial    
AVAILABLE FOR SALE:    
Amortized Cost [1] 2,227 5,238
Gross unrealized gain [1] 67 0
Gross unrealized loss [1] 0 526
Less: Allowance for Credit Losses [1] 0 0
Securities available for sale, at estimated fair value [1] 2,294 4,712
HELD TO MATURITY:    
Amortized Cost [1] 28,827 29,567
Gross unrealized gains [1] 0 0
Gross unrealized losses [1] 1,088 1,982
Estimated fair value [1] 27,739 27,585
Less: Allowance for Credit Losses [1] 0 0
Amortized cost [1] $ 28,827 $ 29,567
[1] All MBS issued and/or guaranteed by U.S. government agencies or U.S. GSEs.
v3.25.4
SECURITIES - Unrealized Loss on Securities (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
AVAILABLE FOR SALE    
Less than 12 Months, fair value $ 55,764 $ 741,134
Less than 12 Months, unrealized loss 74 6,626
More than 12 Months, fair value 143,986 437,932
More than 12 Months, unrealized loss 17,788 48,106
Total fair value 199,750 1,179,066
Total unrealized loss 17,862 54,732
HELD TO MATURITY    
Less than 12 months, fair value 20,224 78,032
Less than 12 Months, unrealized loss 3,128 2,220
More than 12 months, fair value 933,774 916,604
More than 12 Months, unrealized loss 144,064 167,561
Total fair value 953,998 994,636
Total unrealized loss 147,192 169,781
State and Political Subdivisions    
AVAILABLE FOR SALE    
Less than 12 Months, fair value 0 12,089
Less than 12 Months, unrealized loss 0 64
More than 12 Months, fair value 128,723 398,304
More than 12 Months, unrealized loss 17,055 43,653
Total fair value 128,723 410,393
Total unrealized loss 17,055 43,717
HELD TO MATURITY    
Less than 12 months, fair value 20,224 73,272
Less than 12 Months, unrealized loss 3,128 1,779
More than 12 months, fair value 770,244 704,563
More than 12 Months, unrealized loss 136,591 150,918
Total fair value 790,468 777,835
Total unrealized loss 139,719 152,697
Corporate bonds and other    
AVAILABLE FOR SALE    
Less than 12 Months, fair value 3,708 2,967
Less than 12 Months, unrealized loss 42 33
More than 12 Months, fair value 4,943 5,612
More than 12 Months, unrealized loss 57 368
Total fair value 8,651 8,579
Total unrealized loss 99 401
HELD TO MATURITY    
Less than 12 months, fair value 0 2,212
Less than 12 Months, unrealized loss 0 149
More than 12 months, fair value 64,009 111,392
More than 12 Months, unrealized loss 1,487 6,404
Total fair value 64,009 113,604
Total unrealized loss 1,487 6,553
Residential    
AVAILABLE FOR SALE    
Less than 12 Months, fair value 52,056 723,855
Less than 12 Months, unrealized loss 32 6,517
More than 12 Months, fair value 10,320 31,527
More than 12 Months, unrealized loss 676 3,571
Total fair value 62,376 755,382
Total unrealized loss 708 10,088
HELD TO MATURITY    
Less than 12 months, fair value 0 2,548
Less than 12 Months, unrealized loss 0 292
More than 12 months, fair value 71,782 73,064
More than 12 Months, unrealized loss 4,898 8,257
Total fair value 71,782 75,612
Total unrealized loss 4,898 8,549
Commercial    
AVAILABLE FOR SALE    
Less than 12 Months, fair value   2,223
Less than 12 Months, unrealized loss   12
More than 12 Months, fair value   2,489
More than 12 Months, unrealized loss   514
Total fair value   4,712
Total unrealized loss   526
HELD TO MATURITY    
Less than 12 months, fair value 0 0
Less than 12 Months, unrealized loss 0 0
More than 12 months, fair value 27,739 27,585
More than 12 Months, unrealized loss 1,088 1,982
Total fair value 27,739 27,585
Total unrealized loss $ 1,088 $ 1,982
v3.25.4
SECURITIES - Interest Income on Securities (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]      
U.S. Treasury $ 3,781 $ 8,538 $ 11,331
State and Political Subdivisions 44,306 53,186 67,355
Corporate bonds and other 6,491 6,820 7,129
Mortgage-backed Securities 57,230 45,222 19,450
Total interest income on securities $ 111,808 $ 113,766 $ 105,265
v3.25.4
SECURITIES - Amortized Cost and Estimated Fair Value of Investments in Debt Securities By Contractual Maturity (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Available for sale, Amortized Cost    
Due in one year or less $ 437  
Due after one year through five years 5,023  
Due after five years through ten years 15,043  
Due after ten years 189,558  
Total available-for-sale investment securities 210,061  
Mortgage-backed Securities 1,246,925  
Amortized cost 1,456,986 $ 1,587,416
Available for sale Securities, Fair Value    
Due in one year or less 437  
Due after one year through five years 5,060  
Due after five years through ten years 15,268  
Due after ten years 173,892  
Subtotal 194,657  
Mortgage-backed Securities and Other Equity Securities 1,261,562  
Securities AFS, at estimated fair value 1,456,219 1,533,894
Held to Maturity, Amortized Cost    
Due in one year or less 140  
Due after one year through five years 29,826  
Due after five years through ten years 106,988  
Due after ten years 1,004,641  
Total held-to-maturity investment securities 1,141,595  
Mortgage backed securities 105,907  
Total 1,247,502 1,279,234
Held to Maturity, Fair Value    
Due in one year or less 139  
Due after one year through five years 29,720  
Due after five years through ten years 106,304  
Due after ten years 867,210  
Total held-to-maturity investment securities 1,003,373  
Mortgage-backed Securities 99,931  
Securities held to maturity, fair value $ 1,103,304 $ 1,113,482
v3.25.4
SECURITIES - Unrealized and Realized Gain (Loss) Recognized in Net Income on Equity Investments (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Gain (Loss) on Securities [Line Items]      
Net gains (losses) recognized during the period on equity investments $ 169 $ (51) $ 5,131
Less: Net gains recognized during the period on equity investments sold during the period 0 0 5,058
Unrealized gains (losses) recognized during the reporting period on equity investments still held at the reporting date $ 169 $ (51) $ 73
v3.25.4
SECURITIES - Narrative (Details)
 12 Months Ended
Dec. 31, 2025
USD ($)
debt_security
Dec. 31, 2024
USD ($)
debt_security
Dec. 31, 2023
USD ($)
Investment [Line Items]      
Debt Securities, Held-to-maturity, Nonaccrual $ 0 $ 0  
Interest receivable 41,809,000 46,724,000  
Transferred Securities, Unrealized Loss, Before Tax 96,600,000 105,100,000  
Securities Transferred, Unrealized Loss, Net Of Tax 76,300,000 83,000,000.0  
Fair value of securities transferred from AFS to HTM 0 0  
Available-for-sale Securities, Gross Realized Gain (Loss) [Abstract]      
Net gain (loss) on sale of securities available for sale (32,270,000) (2,510,000) $ (15,976,000)
Gross realized gains on AFS securities 2,000,000.0 88,000  
Gross realized loss on AFS securities (33,100,000) (6,100,000)  
Gain (loss) on hedging activity (1,200,000) 3,500,000 6,500,000
Equity investments 9,574,000 9,467,000  
Debt Securities, Held-to-maturity, Sale or Transfer of Investment [Abstract]      
Proceeds from sale of held-to-maturity securities 0 0 0
Debt Securities, Available-for-sale, Allowance for Credit Loss 0 0  
FHLB Stock with other-than-temporary impairment 0    
Debt Securities, Held-to-Maturity, Excluding Accrued Interest, Credit Loss Expense (Reversal) $ 25,000 $ 0  
Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions | debt_security 161 421  
Net gain on sale of equity securities $ 0 $ 0 5,058,000
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss 9,400,000 13,600,000  
U.S. Treasury 3,781,000 8,538,000 $ 11,331,000
Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss $ 12,700,000 $ 12,900,000  
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration] Interest receivable Interest receivable  
Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration] Interest receivable Interest receivable  
Asset Pledged as Collateral      
Debt Securities, Held-to-maturity, Sale or Transfer of Investment [Abstract]      
Debt Securities $ 1,940,000,000 $ 2,180,000,000  
Asset Pledged As Collateral, Excess Amount      
Debt Securities, Held-to-maturity, Sale or Transfer of Investment [Abstract]      
Debt Securities 241,800,000 431,700,000  
Financial Asset, Past Due      
Debt Securities, Held-to-maturity, Sale or Transfer of Investment [Abstract]      
Securities HTM (estimated fair value of $138,879) $ 0 $ 0  
v3.25.4
LOANS AND ALLOWANCE FOR LOAN LOSSES - Loans by Portfolio Segment (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Loans and Leases Receivable Disclosure [Abstract]        
Loans $ 4,817,991 $ 4,661,597    
Less: Allowance for loan losses 45,100 44,884 $ 42,674 $ 36,515
Net loans 4,772,891 4,616,713    
Construction real estate loans        
Loans and Leases Receivable Disclosure [Abstract]        
Loans 548,570 537,827    
Less: Allowance for loan losses 7,951 3,958 5,287 3,164
1-4 family residential real estate loans        
Loans and Leases Receivable Disclosure [Abstract]        
Loans 724,354 740,396    
Less: Allowance for loan losses 2,830 2,780 2,840 2,173
Commercial real estate loans        
Loans and Leases Receivable Disclosure [Abstract]        
Loans 2,712,816 2,579,735    
Less: Allowance for loan losses 29,405 35,526 32,266 28,701
Commercial loans        
Loans and Leases Receivable Disclosure [Abstract]        
Loans 444,720 363,167    
Less: Allowance for loan losses 4,588 2,448 2,086 2,235
Municipal loans        
Loans and Leases Receivable Disclosure [Abstract]        
Loans 346,720 390,968    
Less: Allowance for loan losses 13 16 19 45
Loans to individuals        
Loans and Leases Receivable Disclosure [Abstract]        
Loans 40,811 49,504    
Less: Allowance for loan losses $ 313 $ 156 $ 176 $ 197
v3.25.4
LOANS AND ALLOWANCE FOR LOAN LOSSES - Summary of Loans by Credit Quality Indicator and Origination Year (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year $ 1,189,353 $ 645,435  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 426,635 708,569  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 589,027 1,170,402  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 832,294 781,874  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 610,223 299,323  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 762,445 698,685  
Financing Receivable, Excluding Accrued Interest, Revolving 408,014 357,309  
Total 4,817,991 4,661,597  
Current period gross charge-offs      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 1,620 [1] 1,679 [2]  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 1,779 551  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 434 633  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 207 111  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 163 43  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 54 343  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 4,257 3,360 $ 4,204 [3]
Construction real estate loans      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 196,434 130,764  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 98,042 122,836  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 60,041 106,199  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 3,680 18,198  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 16,526 4,138  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 6,024 6,597  
Financing Receivable, Excluding Accrued Interest, Revolving 167,823 149,095  
Total 548,570 537,827  
Current period gross charge-offs      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0 24  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 1 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 1 24 92
Construction real estate loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 139,542 130,555  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 96,548 122,724  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 60,041 46,499  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 3,649 17,710  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 15,979 3,564  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 5,939 5,923  
Financing Receivable, Excluding Accrued Interest, Revolving 148,759 132,096  
Total 470,457 459,071  
Construction real estate loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 9,343 209  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,494 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 59,700  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 31 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 574  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 591  
Financing Receivable, Excluding Accrued Interest, Revolving 5,596 16,999  
Total 16,464 78,073  
Construction real estate loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 47,492 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 429  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 407 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 58 72  
Financing Receivable, Excluding Accrued Interest, Revolving 13,468 0  
Total 61,425 501  
Construction real estate loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 57 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 112  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 59  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 140 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 27 0  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 224 171  
Construction real estate loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 11  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 0 11  
1-4 family residential real estate loans      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 50,479 43,090  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 50,362 65,683  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 68,526 153,335  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 143,782 139,778  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 127,807 107,442  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 282,546 229,544  
Financing Receivable, Excluding Accrued Interest, Revolving 852 1,524  
Total 724,354 740,396  
Current period gross charge-offs      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 56 31  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 10  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 13 220  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 69 261 119
1-4 family residential real estate loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 48,099 43,040  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 50,197 65,458  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 68,149 153,335  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 143,782 139,048  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 127,149 106,116  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 278,702 226,550  
Financing Receivable, Excluding Accrued Interest, Revolving 583 1,524  
Total 716,661 735,071  
1-4 family residential real estate loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 0 0  
1-4 family residential real estate loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 505  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 1,508 0  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 1,508 505  
1-4 family residential real estate loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 2,380 50  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 225  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 112 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 225  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 658 1,326  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 2,199 2,833  
Financing Receivable, Excluding Accrued Interest, Revolving 269 0  
Total 5,618 4,659  
1-4 family residential real estate loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 165 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 265 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 137 161  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 567 161  
Commercial real estate loans      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 797,245 367,353  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 213,269 422,166  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 395,205 804,696  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 598,676 538,951  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 394,845 136,902  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 269,605 267,116  
Financing Receivable, Excluding Accrued Interest, Revolving 43,971 42,551  
Total 2,712,816 2,579,735  
Current period gross charge-offs      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 78  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 0 78 788 [3]
Commercial real estate loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 745,975 363,370  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 213,269 410,213  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 343,198 632,216  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 384,505 509,927  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 382,748 132,562  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 256,509 223,551  
Financing Receivable, Excluding Accrued Interest, Revolving 43,971 41,568  
Total 2,370,175 2,313,407  
Commercial real estate loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 21,226 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 11,953  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 49,316 65,206  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 34,440 22,440  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 4,090  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 287 24,599  
Financing Receivable, Excluding Accrued Interest, Revolving 0 983  
Total 105,269 129,271  
Commercial real estate loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 3,983  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 2,691 79,280  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 78,401 175  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 6,383 13,232  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 87,475 96,670  
Commercial real estate loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 30,044 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 27,994  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 101,330 6,409  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 12,097 250  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 6,426 5,649  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 149,897 40,302  
Commercial real estate loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 85  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 0 85  
Commercial loans      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 126,003 83,514  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 54,514 52,595  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 28,722 40,496  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 28,303 14,955  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 9,179 5,926  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 4,680 3,758  
Financing Receivable, Excluding Accrued Interest, Revolving 193,319 161,923  
Total 444,720 363,167  
Current period gross charge-offs      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 0 24  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 1,689 462  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 409 590  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 139 85  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 139 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 23 12  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 2,399 1,173 1,283
Commercial loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 124,358 83,118  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 41,277 51,895  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 27,101 39,449  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 27,035 13,887  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 8,388 5,875  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 4,627 3,091  
Financing Receivable, Excluding Accrued Interest, Revolving 189,290 155,671  
Total 422,076 352,986  
Commercial loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 21 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 43 30  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 603  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 787  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 36 29  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 513  
Financing Receivable, Excluding Accrued Interest, Revolving 0 4,972  
Total 100 6,934  
Commercial loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 204 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 202 327  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 177 29  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 469 83  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 590 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 3 101  
Financing Receivable, Excluding Accrued Interest, Revolving 532 180  
Total 2,177 720  
Commercial loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 1,341 365  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 12,858 99  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 1,333 281  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 713 137  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 75 22  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 38 1  
Financing Receivable, Excluding Accrued Interest, Revolving 3,497 1,100  
Total 19,855 2,005  
Commercial loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 79 31  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 134 244  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 111 134  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 86 61  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 90 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 12 52  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 512 522  
Municipal loans      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 2,135 1,949  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,800 34,398  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 31,542 57,862  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 54,168 64,041  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 59,342 42,007  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 197,733 190,711  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 346,720 390,968  
Current period gross charge-offs      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 0 0 0
Municipal loans | Pass      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 2,135 1,949  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1,800 34,398  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 31,542 57,862  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 54,168 64,041  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 59,342 41,115  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 197,733 188,309  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 346,720 387,674  
Municipal loans | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 892  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 2,402  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 0 3,294  
Municipal loans | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 0 0  
Municipal loans | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 0 0  
Municipal loans | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 0 0  
Loans to individuals      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 17,057 18,765  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 8,648 10,891  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 4,991 7,814  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 3,685 5,951  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 2,524 2,908  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 1,857 959  
Financing Receivable, Excluding Accrued Interest, Revolving 2,049 2,216  
Total 40,811 49,504  
Current period gross charge-offs      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff 1,620 [1] 1,655 [2]  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff 34 34  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff 24 43  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff 68 26  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff 24 33  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff 18 33  
Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff 0 0  
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff 1,788 1,824 $ 1,922
Loans to individuals | Pass      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 16,861 18,765  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 8,627 10,881  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 4,980 7,719  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 3,682 5,949  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 2,524 2,900  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 1,856 949  
Financing Receivable, Excluding Accrued Interest, Revolving 2,049 2,215  
Total 40,579 49,378  
Loans to individuals | Pass watch      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 0 0  
Loans to individuals | Special mention      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 8 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 8 0  
Loans to individuals | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 3 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 1 2  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 8 28  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 2 0  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 0  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 0 4  
Financing Receivable, Excluding Accrued Interest, Revolving 0 1  
Total 14 35  
Loans to individuals | Doubtful      
Term Loans Amortized Cost Basis by Origination Year      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year 185 0  
Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year 20 8  
Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year 3 67  
Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year 1 2  
Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year 0 8  
Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year 1 6  
Financing Receivable, Excluding Accrued Interest, Revolving 0 0  
Total 210 91  
Demand Deposit Overdrafts      
Current period gross charge-offs      
Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff $ 1,200 $ 1,200  
[1] Includes $1.2 million in charged off demand deposit overdrafts reported as 2025 originations
[2] Includes $1.2 million in charged off demand deposit overdrafts reported as 2024 originations
[3] Included in charge-offs for the year ended December 31, 2023 is a $788,000 write down to fair value an $8.1 million commercial real estate loan relationship transferred to held for sale.
v3.25.4
LOANS AND ALLOWANCE FOR LOAN LOSSES - Aging of Past Due Loans by Class of Loans (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Financing Receivable, Past Due [Line Items]    
Loans $ 4,817,991 $ 4,661,597
Financial Asset, Current    
Financing Receivable, Past Due [Line Items]    
Loans 4,800,268 4,650,195
30 to 59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 7,872 8,352
60 to 89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 8,187 2,361
Greater than 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 1,664 689
Financial Asset, Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 17,723 11,402
Construction real estate loans    
Financing Receivable, Past Due [Line Items]    
Loans 548,570 537,827
Construction real estate loans | Financial Asset, Current    
Financing Receivable, Past Due [Line Items]    
Loans 546,747 537,730
Construction real estate loans | 30 to 59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 416 92
Construction real estate loans | 60 to 89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 1,407 5
Construction real estate loans | Greater than 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 0
Construction real estate loans | Financial Asset, Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 1,823 97
1-4 family residential real estate loans    
Financing Receivable, Past Due [Line Items]    
Loans 724,354 740,396
1-4 family residential real estate loans | Financial Asset, Current    
Financing Receivable, Past Due [Line Items]    
Loans 718,053 735,589
1-4 family residential real estate loans | 30 to 59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 4,324 3,217
1-4 family residential real estate loans | 60 to 89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 693 1,328
1-4 family residential real estate loans | Greater than 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 1,284 262
1-4 family residential real estate loans | Financial Asset, Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 6,301 4,807
Commercial real estate loans    
Financing Receivable, Past Due [Line Items]    
Loans 2,712,816 2,579,735
Commercial real estate loans | Financial Asset, Current    
Financing Receivable, Past Due [Line Items]    
Loans 2,705,722 2,577,350
Commercial real estate loans | 30 to 59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 1,647 2,054
Commercial real estate loans | 60 to 89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 5,447 331
Commercial real estate loans | Greater than 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 0
Commercial real estate loans | Financial Asset, Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 7,094 2,385
Commercial loans    
Financing Receivable, Past Due [Line Items]    
Loans 444,720 363,167
Commercial loans | Financial Asset, Current    
Financing Receivable, Past Due [Line Items]    
Loans 442,568 359,230
Commercial loans | 30 to 59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 1,132 2,881
Commercial loans | 60 to 89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 640 649
Commercial loans | Greater than 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 380 407
Commercial loans | Financial Asset, Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 2,152 3,937
Municipal loans    
Financing Receivable, Past Due [Line Items]    
Loans 346,720 390,968
Municipal loans | Financial Asset, Current    
Financing Receivable, Past Due [Line Items]    
Loans 346,720 390,968
Municipal loans | 30 to 59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 0
Municipal loans | 60 to 89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 0
Municipal loans | Greater than 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 0
Municipal loans | Financial Asset, Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 0
Loans to individuals    
Financing Receivable, Past Due [Line Items]    
Loans 40,811 49,504
Loans to individuals | Financial Asset, Current    
Financing Receivable, Past Due [Line Items]    
Loans 40,458 49,328
Loans to individuals | 30 to 59 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 353 108
Loans to individuals | 60 to 89 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 48
Loans to individuals | Greater than 90 Days Past Due    
Financing Receivable, Past Due [Line Items]    
Loans 0 20
Loans to individuals | Financial Asset, Past Due    
Financing Receivable, Past Due [Line Items]    
Loans $ 353 $ 176
v3.25.4
LOANS AND ALLOWANCE FOR LOAN LOSSES - Nonperforming Assets by Asset Class (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Nonperforming Assets [Line Items]    
Restructured loans $ 29,531 $ 22
Commercial real estate loans    
Nonperforming Assets [Line Items]    
Restructured loans $ 27,500  
Percent of Total Class 1.01%  
Loans to individuals    
Nonperforming Assets [Line Items]    
Restructured loans $ 194 2
Percent of Total Class 0.48%  
Nonperforming Assets    
Nonperforming Assets [Line Items]    
Nonaccrual loans: [1] $ 10,486 3,185
Accruing loans past due more than 90 days 0 0
Restructured loans 27,509 2
OREO 248 388
Repossessed assets 0 14
Total nonperforming assets 38,243 3,589
Financing Receivable, Troubled Debt Restructuring, Restructured 2,000 63
Nonperforming Assets | Construction real estate loans    
Nonperforming Assets [Line Items]    
Nonaccrual loans: 18 122
Nonperforming Assets | 1-4 family residential real estate loans    
Nonperforming Assets [Line Items]    
Nonaccrual loans: 4,939 1,734
Nonperforming Assets | Commercial real estate loans    
Nonperforming Assets [Line Items]    
Nonaccrual loans: 1,220 171
Nonperforming Assets | Commercial loans    
Nonperforming Assets [Line Items]    
Nonaccrual loans: 4,091 1,067
Nonperforming Assets | Loans to individuals    
Nonperforming Assets [Line Items]    
Nonaccrual loans: $ 218 $ 91
[1] Includes $2.0 million and $63,000 of restructured loans as of December 31, 2025 and December 31, 2024, respectively.
v3.25.4
LOANS AND ALLOWANCE FOR LOAN LOSSES - Restructured Loans (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
USD ($)
loan
contracts
Dec. 31, 2024
USD ($)
loan
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans $ 29,531 $ 22
Number of Loans | loan 17 2
Commercial real estate loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans $ 27,500  
Number of Loans | contracts 1  
Percent of Total Class 1.01%  
Commercial Portfolio Segment    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans $ 1,837 $ 20
Number of Loans | loan 14 1
Percent of Total Class 0.41% 0.01%
Loans to individuals    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans $ 194 $ 2
Number of Loans | loan 2 1
Percent of Total Class 0.48%  
Amortization Period Extension    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans $ 29,531 $ 20
Amortization Period Extension | Commercial real estate loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans 27,500  
Amortization Period Extension | Commercial Portfolio Segment    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans 1,837 20
Amortization Period Extension | Loans to individuals    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans 194 0
Interest Rate Reduction    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans 0 0
Interest Rate Reduction | Commercial real estate loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans 0  
Interest Rate Reduction | Commercial Portfolio Segment    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans 0 0
Interest Rate Reduction | Loans to individuals    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans 0 0
Combination    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans 0 2
Combination | Commercial real estate loans    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans 0  
Combination | Commercial Portfolio Segment    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans 0 0
Combination | Loans to individuals    
Financing Receivable, Troubled Debt Restructuring [Line Items]    
Restructured loans $ 0 $ 2
v3.25.4
LOANS AND ALLOWANCE FOR LOAN LOSSES - Allowance for Loan Losses Activity by Portfolio Segment (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Allowance for Loan Losses [Roll Forward]      
Balance at beginning of period $ 44,884 $ 42,674 $ 36,515
Loans charged-off (1) (4,257) (3,360) (4,204) [1]
Recoveries of loans charged-off 1,470 1,433 1,454
Net loans (charged-off) recovered (2,787) (1,927) (2,750)
Provision for (reversal of) loan losses 3,003 4,137 8,909
Balance at end of period 45,100 44,884 42,674
Construction real estate loans      
Allowance for Loan Losses [Roll Forward]      
Balance at beginning of period 3,958 5,287 3,164
Loans charged-off (1) (1) (24) (92)
Recoveries of loans charged-off 0 0 2
Net loans (charged-off) recovered (1) (24) (90)
Provision for (reversal of) loan losses 3,994 (1,305) 2,213
Balance at end of period 7,951 3,958 5,287
1-4 family residential real estate loans      
Allowance for Loan Losses [Roll Forward]      
Balance at beginning of period 2,780 2,840 2,173
Loans charged-off (1) (69) (261) (119)
Recoveries of loans charged-off 30 99 110
Net loans (charged-off) recovered (39) (162) (9)
Provision for (reversal of) loan losses 89 102 676
Balance at end of period 2,830 2,780 2,840
Commercial real estate loans      
Allowance for Loan Losses [Roll Forward]      
Balance at beginning of period 35,526 32,266 28,701
Loans charged-off (1) 0 (78) (788) [1]
Recoveries of loans charged-off 17 6 1
Net loans (charged-off) recovered 17 (72) (787)
Provision for (reversal of) loan losses (6,138) 3,332 4,352
Balance at end of period 29,405 35,526 32,266
Commercial real estate loans | Commercial and Industrial Sector      
Allowance for Loan Losses [Roll Forward]      
Loans charged-off (1)     (788)
Reclassification to held-for-sale     8,100
Commercial loans      
Allowance for Loan Losses [Roll Forward]      
Balance at beginning of period 2,448 2,086 2,235
Loans charged-off (1) (2,399) (1,173) (1,283)
Recoveries of loans charged-off 671 386 298
Net loans (charged-off) recovered (1,728) (787) (985)
Provision for (reversal of) loan losses 3,868 1,149 836
Balance at end of period 4,588 2,448 2,086
Municipal loans      
Allowance for Loan Losses [Roll Forward]      
Balance at beginning of period 16 19 45
Loans charged-off (1) 0 0 0
Recoveries of loans charged-off 0 0 0
Net loans (charged-off) recovered 0 0 0
Provision for (reversal of) loan losses (3) (3) (26)
Balance at end of period 13 16 19
Loans to individuals      
Allowance for Loan Losses [Roll Forward]      
Balance at beginning of period 156 176 197
Loans charged-off (1) (1,788) (1,824) (1,922)
Recoveries of loans charged-off 752 942 1,043
Net loans (charged-off) recovered (1,036) (882) (879)
Provision for (reversal of) loan losses 1,193 862 858
Balance at end of period $ 313 $ 156 $ 176
[1] Included in charge-offs for the year ended December 31, 2023 is a $788,000 write down to fair value an $8.1 million commercial real estate loan relationship transferred to held for sale.
v3.25.4
LOANS AND ALLOWANCE FOR LOAN LOSSES - Narrative (Details)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
USD ($)
loans
Rate
Dec. 31, 2024
USD ($)
loans
Rate
Financing Receivable, Allowance for Credit Loss [Line Items]    
Loans to related parties $ 9,800 $ 12,100
Related party loans as a percent of stockholders' equity | Rate 1.20% 1.50%
Loans, Nonaccrual, Interest Income Reversal $ 83 $ 72
Nonaccrual loans, no allowance 2,700 650
Collateral-dependent loans 38,400 6,900
Mortgage Loans in Process of Foreclosure, Amount $ 0 $ 40
Financing Receivable, Modified In Period, Number Of Loans | loans 17 3
Financing Receivable, Excluding Accrued Interest, Modified, Accumulated $ 29,500 $ 65
Restructured loans in default 73  
Accrued interest receivable on our loan portfolio 19,600 20,200
Restructured loans $ 29,531 $ 22
1-4 family residential real estate loans | Minimum    
Financing Receivable, Allowance for Credit Loss [Line Items]    
General loan term 15 years  
1-4 family residential real estate loans | Maximum    
Financing Receivable, Allowance for Credit Loss [Line Items]    
General loan term 30 years  
Commercial real estate loans    
Financing Receivable, Allowance for Credit Loss [Line Items]    
General loan term 20 years  
Loans secured by owner and non-owner occupied commercial real estate $ 1,940,000  
Loans secured by multi-family properties 742,700  
Loans secured by farmland 32,700  
Restructured loans $ 27,500  
v3.25.4
PREMISES AND EQUIPMENT (Details) - USD ($)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Property, Plant and Equipment [Abstract]      
Premises $ 213,643,000 $ 199,348,000  
Furniture and equipment 45,906,000 45,145,000  
Premises and equipment, gross 259,549,000 244,493,000  
Less: Accumulated depreciation 107,256,000 102,845,000  
Premises and equipment, net 152,293,000 141,648,000  
Depreciation [Abstract]      
Accumulated depreciation of assets written off 3,200,000 851,000  
Depreciation expense $ 7,600,000 $ 8,300,000 $ 8,400,000
v3.25.4
DEPOSITS - Types and Components of Deposit Liabilities (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Noninterest bearing demand deposits:    
Noninterest bearing demand deposits $ 1,433,129 $ 1,357,152
Interest bearing deposits:    
Total interest bearing deposits 5,432,030 5,297,096
Total deposits 6,865,159 6,654,248
Private accounts    
Noninterest bearing demand deposits:    
Noninterest bearing demand deposits 1,380,468 1,301,298
Interest bearing deposits:    
Savings accounts 662,584 593,322
Interest bearing demand accounts 2,725,835 2,583,494
CDs of $250,000 or more 336,015 285,426
CDs under $250,000 606,194 658,286
Total interest bearing deposits 4,330,628 4,120,528
Public accounts    
Noninterest bearing demand deposits:    
Noninterest bearing demand deposits 52,661 55,854
Interest bearing deposits:    
Savings accounts 1,828 2,236
Interest bearing demand accounts 734,298 905,615
CDs of $250,000 or more 362,248 265,697
CDs under $250,000 3,028 3,020
Total interest bearing deposits $ 1,101,402 $ 1,176,568
v3.25.4
DEPOSITS - Scheduled Maturities of Time Deposits (Details)
$ in Thousands
Dec. 31, 2025
USD ($)
Time Deposits, Fiscal Year Maturity [Abstract]  
2026 $ 1,236,984
2027 57,417
2028 6,289
2029 3,326
2030 3,445
2031 and thereafter 24
Total $ 1,307,485
v3.25.4
DEPOSITS - Narrative (Details) - USD ($)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Deposit Liabilities Disclosures [Line Items]      
Interest expense on time deposits of $250,000 or more $ 29,600,000 $ 21,700,000 $ 13,000,000.0
Maximum brokered certificates of deposit balance allowed per company policy $ 1,050,000,000.00    
Maximum brokered certificates of deposit balance allowed per company policy, percent 12.00%    
Related party deposit liabilities $ 6,000,000.0 7,900,000  
Demand deposit overdrafts reclassified as loans 1,000,000.0 1,200,000  
Certificates of deposit - CDs      
Deposit Liabilities Disclosures [Line Items]      
Brokered deposits 19,800,000 115,700,000  
Brokered non-maturity deposits      
Deposit Liabilities Disclosures [Line Items]      
Brokered deposits $ 652,400,000 $ 627,100,000  
Weighted average cost, domestic deposit, brokered 3.59% 3.21%  
v3.25.4
BORROWING ARRANGEMENTS - Information (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Debt Instrument [Line Items]    
Other borrowings $ 208,657 $ 76,443
FHLB borrowings 211,136 731,909
Other borrowings:    
Debt Instrument [Line Items]    
Other borrowings 208,657 76,443
Average amount outstanding during the period [1] 107,989 205,743
Maximum amount outstanding during the period [2] $ 297,359 $ 597,765
Weighted average interest rate during the period [3] 4.50% 5.70%
Interest rate at end of period [4] 3.60% 3.60%
FHLB borrowings:    
Debt Instrument [Line Items]    
FHLB borrowings $ 211,136 $ 731,909
Average amount outstanding during the period [1] 372,342 601,366
Maximum amount outstanding during the period [2] $ 651,782 $ 760,046
Weighted average interest rate during the period [3] 3.70% 4.10%
Interest rate at end of period [5] 2.90% 3.70%
[1] The average amount outstanding during the period was computed by dividing the total daily outstanding principal balances by the number of days in the period.
[2] The maximum amount outstanding at any month-end during the period.
[3] The weighted average interest rate during the period was computed by dividing the actual interest expense by the average amount outstanding during the period. The weighted average interest rate on FHLB borrowings includes the effect of interest rate swaps.
[4] Stated rate.
[5] The interest rate on FHLB borrowings includes the effect of interest rate swaps.
v3.25.4
BORROWING ARRANGEMENTS - Maturities Table (Details)
$ in Thousands
Dec. 31, 2025
USD ($)
Debt Instrument [Line Items]  
Less than 1 Year $ 419,141
1-2 Years 406
2-3 Years 246
3-4 Years 0
4-5 Years 0
Thereafter 0
Total 419,793
Other borrowings:  
Debt Instrument [Line Items]  
Less than 1 Year 208,657
1-2 Years 0
2-3 Years 0
3-4 Years 0
4-5 Years 0
Thereafter 0
Total 208,657
FHLB borrowings:  
Debt Instrument [Line Items]  
Less than 1 Year 210,484
1-2 Years 406
2-3 Years 246
3-4 Years 0
4-5 Years 0
Thereafter 0
Total $ 211,136
v3.25.4
BORROWING ARRANGEMENTS - Narrative (Details)
 12 Months Ended
Dec. 31, 2025
USD ($)
oustanding_letters_of_credit
credit_line
Dec. 31, 2024
USD ($)
Line of Credit Facility [Line Items]    
Number of credit lines maintained by the Company | credit_line 3  
Federal funds purchased $ 0 $ 0
FHLB borrowings, unused funds 2,450,000,000  
Securities sold under agreements to repurchase $ 98,700,000 76,400,000
Maturity of repurchase agreements, less than 1 year  
Asset Pledged As Collateral, Excess Amount    
Line of Credit Facility [Line Items]    
Debt Securities $ 241,800,000 431,700,000
Federal Reserve Discount Window [Member]    
Line of Credit Facility [Line Items]    
Other borrowings 110,000,000.0 $ 0
Frost Bank    
Line of Credit Facility [Line Items]    
Line of credit, maximum borrowing capacity 40,000,000.0  
Line of credit facility, capacity available for issuance of letters of credit $ 5,000,000.0  
Number of outstanding letters of credit | oustanding_letters_of_credit 1  
Letters of Credit Outstanding, Amount $ 155,000  
TIB - The Independent Bankers Bank    
Line of Credit Facility [Line Items]    
Line of credit, maximum borrowing capacity $ 15,000,000.0  
FHLB    
Line of Credit Facility [Line Items]    
Number of outstanding letters of credit | oustanding_letters_of_credit 2  
Letters of Credit Outstanding, Amount $ 6,200,000  
Amegy Bank    
Line of Credit Facility [Line Items]    
Line of credit, maximum borrowing capacity $ 25,000,000.0  
Minimum    
Line of Credit Facility [Line Items]    
FHLB borrowings, interest rate at period end 1.26%  
Maturity range of FHLB borrowings 5 days  
Maximum    
Line of Credit Facility [Line Items]    
FHLB borrowings, interest rate at period end 4.80%  
Maturity range of FHLB borrowings 2 years 6 months  
v3.25.4
LONG-TERM DEBT - Other Long-term Debt (Details) - USD ($)
 12 Months Ended
Dec. 31, 2025
Aug. 14, 2025
Dec. 31, 2024
Nov. 06, 2020
Oct. 10, 2007
Aug. 10, 2007
Aug. 08, 2007
May 20, 2005
 [4]
Sep. 04, 2003
Debt Instruments [Abstract]                  
Subordinated notes, net of unamortized debt issuance costs [1] $ 239,678,000   $ 92,042,000            
Trust preferred subordinated debentures [2] 60,279,000   60,274,000            
Total long-term obligations 299,957,000   152,316,000            
Southside Statutory Trust III, net of unamortized debt issuance costs                  
Debt Instruments [Abstract]                  
Trust preferred subordinated debentures 20,587,000 [2],[3]   20,582,000 [2],[3]           $ 20,619,000
Unamortized debt issuance expense 32,000   37,000            
Southside Statutory Trust IV                  
Debt Instruments [Abstract]                  
Trust preferred subordinated debentures 23,196,000 [2]   23,196,000 [2]       $ 23,196,000    
Southside Statutory Trust V                  
Debt Instruments [Abstract]                  
Trust preferred subordinated debentures 12,887,000 [2]   12,887,000 [2]     $ 12,887,000      
Magnolia Trust Company I                  
Debt Instruments [Abstract]                  
Trust preferred subordinated debentures 3,609,000 [2]   3,609,000 [2]   $ 3,600,000     $ 3,609,000  
3.875% Subordinated Notes                  
Debt Instruments [Abstract]                  
Subordinated notes, net of unamortized debt issuance costs [1],[5] 92,190,000   92,042,000            
Unamortized debt issuance expense 810,000   958,000            
Stated interest rate       3.875%          
Debt face amount [6]       $ 100,000,000.0          
7.0% Subordinated Notes Due 2035                  
Debt Instruments [Abstract]                  
Subordinated notes, net of unamortized debt issuance costs [1],[7] $ 147,488,000   $ 0            
Stated interest rate   7.00%              
Debt face amount   $ 150,000,000              
Minimum | 3.875% Subordinated Notes                  
Debt Instruments [Abstract]                  
Long-term debt, remaining maturity, greater than 1 year                
[1] This debt consists of subordinated notes with a remaining maturity greater than one year that qualify under the risk-based capital guidelines as Tier 2 capital, subject to certain limitations.
[2] This debt consists of trust preferred securities that qualify under the risk-based capital guidelines as Tier 1 capital, subject to certain limitations.
[3] The unamortized debt issuance costs reflected in the carrying amount of the Southside Statutory Trust III junior subordinated debentures totaled $32,000 at December 31, 2025 and $37,000 at December 31, 2024.
[4] On October 10, 2007, as part of an acquisition we assumed $3.6 million of floating rate junior subordinated debentures issued in 2005 to Magnolia Trust Company I.
[5] The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $810,000 at December 31, 2025 and $958,000 at December 31, 2024.
[6] On April 4, 2024 and June 14, 2023, the Company repurchased $2.0 million and $5.0 million, respectively, of the $100.0 million fixed-to-floating rate subordinated notes that mature on November 15, 2030.
[7] The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $2.5 million at December 31, 2025.
v3.25.4
LONG-TERM DEBT - LT Debt Interest Rates (Details) - USD ($)
$ in Thousands
Nov. 14, 2025
Aug. 10, 2007
Aug. 08, 2007
May 20, 2005
Sep. 04, 2003
Dec. 31, 2025
Aug. 14, 2025
Dec. 31, 2024
Apr. 04, 2024
Jun. 14, 2023
Nov. 06, 2020
Oct. 10, 2007
Debt Instrument [Line Items]                        
Other long-term debt [1]           $ 60,279   $ 60,274        
Subordinated notes, net of unamortized debt issuance costs [2]           239,678   92,042        
Southside Statutory Trust III                        
Debt Instrument [Line Items]                        
Other long-term debt         $ 20,619 20,587 [1],[3]   20,582 [1],[3]        
Southside Statutory Trust III | Three-Month Secured Overnight Financing Rate (SOFR)                        
Debt Instrument [Line Items]                        
Basis spread on variable rate         3.20%              
Southside Statutory Trust IV                        
Debt Instrument [Line Items]                        
Other long-term debt     $ 23,196     23,196 [1]   23,196 [1]        
Southside Statutory Trust IV | Three-Month Secured Overnight Financing Rate (SOFR)                        
Debt Instrument [Line Items]                        
Basis spread on variable rate     1.56%                  
Southside Statutory Trust V                        
Debt Instrument [Line Items]                        
Other long-term debt   $ 12,887       12,887 [1]   12,887 [1]        
Southside Statutory Trust V | Three-Month Secured Overnight Financing Rate (SOFR)                        
Debt Instrument [Line Items]                        
Basis spread on variable rate   2.51%                    
Magnolia Trust Company I                        
Debt Instrument [Line Items]                        
Other long-term debt       $ 3,609 [4]   3,609 [1]   3,609 [1]       $ 3,600
Magnolia Trust Company I | Three-Month Secured Overnight Financing Rate (SOFR)                        
Debt Instrument [Line Items]                        
Basis spread on variable rate [4]       2.06%                
3.875% Subordinated Notes                        
Debt Instrument [Line Items]                        
Debt face amount [5]                     $ 100,000  
Stated interest rate                     3.875%  
Debt Instrument, Repurchase Amount                 $ 2,000 $ 5,000    
Subordinated notes, net of unamortized debt issuance costs [2],[6]           92,190   92,042        
3.875% Subordinated Notes | Secured Overnight Financing Rate (SOFR) Overnight Index Swap Rate                        
Debt Instrument [Line Items]                        
Basis spread on variable rate 3.66%                      
3.875% Subordinated Notes | Three-Month Secured Overnight Financing Rate (SOFR)                        
Debt Instrument [Line Items]                        
Basis spread on variable rate 3.66%                      
7.0% Subordinated Notes Due 2035                        
Debt Instrument [Line Items]                        
Debt face amount             $ 150,000          
Stated interest rate             7.00%          
Subordinated notes, net of unamortized debt issuance costs [2],[7]           $ 147,488   $ 0        
[1] This debt consists of trust preferred securities that qualify under the risk-based capital guidelines as Tier 1 capital, subject to certain limitations.
[2] This debt consists of subordinated notes with a remaining maturity greater than one year that qualify under the risk-based capital guidelines as Tier 2 capital, subject to certain limitations.
[3] The unamortized debt issuance costs reflected in the carrying amount of the Southside Statutory Trust III junior subordinated debentures totaled $32,000 at December 31, 2025 and $37,000 at December 31, 2024.
[4] On October 10, 2007, as part of an acquisition we assumed $3.6 million of floating rate junior subordinated debentures issued in 2005 to Magnolia Trust Company I.
[5] On April 4, 2024 and June 14, 2023, the Company repurchased $2.0 million and $5.0 million, respectively, of the $100.0 million fixed-to-floating rate subordinated notes that mature on November 15, 2030.
[6] The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $810,000 at December 31, 2025 and $958,000 at December 31, 2024.
[7] The unamortized discount and debt issuance costs reflected in the carrying amount of the subordinated notes totaled approximately $2.5 million at December 31, 2025.
v3.25.4
EMPLOYEE BENEFITS - Narrative (Details)
 12 Months Ended
Dec. 31, 2025
USD ($)
executive_officer
shares
Dec. 31, 2024
USD ($)
shares
Dec. 31, 2023
USD ($)
shares
Health Insurance Coverage [Abstract]      
Cost of health care benefits $ 8,700,000 $ 8,900,000 $ 8,100,000
Employee Stock Ownership Plan (ESOP) [Abstract]      
Contributions to the employee stock ownership plan (ESOP) $ 1,000,000.0 $ 1,000,000.0 1,000,000.0
Shares owned by the ESOP (in shares) | shares 412,155 352,473  
Supplemental Unemployment Benefits [Abstract]      
Long-term disability coverage, minimum years of service rendered for officers to automatically qualify 3 years    
Long-term disability coverage, maximum benefit provided, per month $ 15,000    
401(k) [Abstract]      
Requisite service period 30 days    
401(k) Plan expense $ 2,200,000 $ 2,200,000 $ 2,200,000
Defined Benefit Plan [Abstract]      
Noncash Adjustment To Pension Liability $ (2,100,000) $ 299,000  
Retirement Plan      
Defined Benefit Plan [Abstract]      
Defined benefit pension plan, minimum eligibility age 65 years    
Early retirement election at reduced benefit levels, minimum eligibility age 55 years    
Discount rate 5.45% 5.58%  
Number of shares of Company stock included in plan assets (in shares) | shares 0    
Expected long-term rate of return on plan assets 5.80% 6.13% 6.13%
Funded (under funded) status $ 10,330,000 $ 9,181,000 $ 8,386,000
Accrued benefit (liability) asset recognized 10,330,000 $ 9,181,000 $ 8,386,000
Expected future employer contributions, next fiscal year $ 0    
Retirement Plan Acquired      
Defined Benefit Plan [Abstract]      
Discount rate 5.75% 5.71%  
Expected long-term rate of return on plan assets 6.30% 6.13% 6.13%
Funded (under funded) status $ 1,080,000 $ 1,095,000 $ 839,000
Accrued benefit (liability) asset recognized 1,080,000 $ 1,095,000 839,000
Expected future employer contributions, next fiscal year $ 0    
Restoration Plan      
Defined Benefit Plan [Abstract]      
Discount rate 5.29% 5.47%  
Funded (under funded) status $ (18,000,000) $ (16,848,000) (16,176,000)
Accrued benefit (liability) asset recognized (18,000,000) $ (16,848,000) $ (16,176,000)
Expected future employer contributions, next fiscal year $ 1,500,000    
Equity securities | Retirement Plan      
Defined Benefit Plan [Abstract]      
Target allocation 11.10%    
Fixed income securities | Retirement Plan      
Defined Benefit Plan [Abstract]      
Target allocation 86.90%    
Cash equivalents | Retirement Plan      
Defined Benefit Plan [Abstract]      
Target allocation 2.00%    
Stock options      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Granted (shares) | shares 0 0 0
Restricted Stock Units (RSUs)      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Nonvested awards outstanding (in shares) | shares 287,602 252,028  
Performance Based Restricted Stock Units      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Nonvested awards outstanding (in shares) | shares 55,877 51,369  
Incentive Plan 2025      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Common stock shares reserved and available for issuance (in shares) | shares 1,200,000    
Shares remaining available for grant for future awards (in shares) | shares 1,100,000    
Incentive Plan      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Unrecognized compensation expense $ 6,877,000    
Weighted-average expected recognition period remaining (in years) 2 years 6 months    
Incentive Plan | Stock options      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Weighted-average remaining contractual life of options exercisable 2 years 8 months 12 days    
Awards contractual term 10 years    
Total intrinsic value of outstanding stock options $ 4,000    
Total intrinsic value of exercisable stock options $ 4,000    
Incentive Plan | Stock options | Minimum      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Awards vesting period 3 years    
Incentive Plan | Stock options | Maximum      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Awards vesting period 4 years    
Incentive Plan | Restricted Stock Units (RSUs) | Minimum      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Awards vesting period 3 years    
Incentive Plan | Restricted Stock Units (RSUs) | Maximum      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Awards vesting period 4 years    
Incentive Plan | Performance Based Restricted Stock Units      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Shares earned, performance period 3 years    
Performance earnings, minimum payout (as a percentage) 50.00%    
Performance earnings, target payout (as a percentage) 100.00%    
Performance earnings, maximum payout (as a percentage) 150.00%    
Executive officers      
Deferred Compensation Arrangements [Abstract]      
Number of employees included in the deferred compensation agreement with the Company | executive_officer 28    
Aggregate payment amount provided in the deferred compensation agreements $ 9,300,000    
Deferred Compensation Arrangement with Individual, Maximum Contractual Term 15 years    
Number of individuals receiving payments | executive_officer 9    
Deferred compensation expense $ 304,000 $ 330,000 $ 86,000
Total deferred compensation plan liability $ 3,200,000 3,200,000  
Split Dollar Life Insurance Agreements [Abstract]      
Number of employees originally covered by the split dollar agreements | executive_officer 6    
Number of employees covered by the split dollar agreements, Actively employed with us | executive_officer 2    
Number of remaining employees covered by the split dollar agreements | executive_officer 6    
Aggregate death benefits for remaining executives, inflation adjusted $ 6,200,000    
Expense (credit to expense) of Split Dollar Retirement Bonus 4,000 (28,000) (95,000)
Total split dollar liability 1,600,000 1,600,000  
Employee | Incentive Plan      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Share-based compensation expense 2,462,000 2,943,000 3,193,000
Tax benefit from share-based compensation expense 517,000 618,000 671,000
Director | Incentive Plan      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Share-based compensation expense 584,000 580,000 359,000
Tax benefit from share-based compensation expense $ 123,000 $ 122,000 $ 75,000
Director | Incentive Plan | Restricted Stock Units (RSUs)      
Share-based Payment Arrangement, Noncash Expense [Abstract]      
Awards vesting period 1 year    
v3.25.4
EMPLOYEE BENEFITS - Change in Projected Benefit Obligation and Plan Assets (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Retirement Plan      
Change in Projected Benefit Obligation:      
Benefit obligation at end of prior year $ 68,307 $ 73,165 $ 69,869
Interest cost 3,682 3,620 3,771
Actuarial (gain) loss 782 (4,182) 3,856
Benefits paid (4,499) (4,296) (4,218)
Expenses paid 0 0 (113)
Settlements 0 0 0
Benefit obligation at end of year 68,272 68,307 73,165
Change in Plan Assets:      
Fair value of plan assets at end of prior year 77,488 81,551 76,735
Actual return on plan assets 5,613 233 9,147
Employer contributions 0 0 0
Benefits paid (4,499) (4,296) (4,218)
Expenses paid 0 0 (113)
Settlements 0 0 0
Fair value of plan assets at end of year 78,602 77,488 81,551
(Un)Funded status at end of year 10,330 9,181 8,386
Accrued benefit (liability) asset recognized 10,330 9,181 8,386
Accumulated benefit obligation at end of year 68,272 68,307 73,165
Retirement Plan Acquired      
Change in Projected Benefit Obligation:      
Benefit obligation at end of prior year 2,057 2,246 2,379
Interest cost 113 105 126
Actuarial (gain) loss 205 (220) 201
Benefits paid (69) (74) (61)
Expenses paid 0 0 (88)
Settlements (1,739) 0 (311)
Benefit obligation at end of year 567 2,057 2,246
Change in Plan Assets:      
Fair value of plan assets at end of prior year 3,152 3,085 3,128
Actual return on plan assets 303 141 417
Employer contributions 0 0 0
Benefits paid (69) (74) (61)
Expenses paid 0 0 (88)
Settlements (1,739) 0 (311)
Fair value of plan assets at end of year 1,647 3,152 3,085
(Un)Funded status at end of year 1,080 1,095 839
Accrued benefit (liability) asset recognized 1,080 1,095 839
Accumulated benefit obligation at end of year 567 2,057 2,246
Restoration Plan      
Change in Projected Benefit Obligation:      
Benefit obligation at end of prior year 16,848 16,176 15,463
Interest cost 895 859 831
Actuarial (gain) loss 1,112 666 555
Benefits paid (855) (853) (673)
Expenses paid 0 0 0
Settlements 0 0 0
Benefit obligation at end of year 18,000 16,848 16,176
Change in Plan Assets:      
Fair value of plan assets at end of prior year 0 0 0
Actual return on plan assets 0 0 0
Employer contributions 855 853 673
Benefits paid (855) (853) (673)
Expenses paid 0 0 0
Settlements 0 0 0
Fair value of plan assets at end of year 0 0 0
(Un)Funded status at end of year (18,000) (16,848) (16,176)
Accrued benefit (liability) asset recognized (18,000) (16,848) (16,176)
Accumulated benefit obligation at end of year $ 18,000 $ 16,848 $ 16,176
v3.25.4
EMPLOYEE BENEFITS - Amounts Recognized as a Component of Other Comprehensive Income (loss) (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]      
Net gain (loss) occurring during the year $ 394 $ 928 $ (192)
Retirement Plan      
Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]      
Recognition of net loss 2,374 578 726
Recognition of gain due to settlement 0 0 0
Net gain (loss) occurring during the year 757 (442) 718
Total adjustment during the year 3,131 136 1,444
Deferred tax (expense) benefit (658) (29) (303)
Other comprehensive income (loss), net of tax 2,473 107 1,141
Retirement Plan Acquired      
Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]      
Recognition of net loss 0 0 0
Recognition of gain due to settlement (192) 0 (16)
Net gain (loss) occurring during the year (39) 180 29
Total adjustment during the year (231) 180 13
Deferred tax (expense) benefit 49 (37) (3)
Other comprehensive income (loss), net of tax (182) 143 10
Restoration Plan      
Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]      
Recognition of net loss 85 51 30
Recognition of gain due to settlement 0 0 0
Net gain (loss) occurring during the year (1,112) (666) (555)
Total adjustment during the year (1,027) (615) (525)
Deferred tax (expense) benefit 216 129 110
Other comprehensive income (loss), net of tax $ (811) $ (486) $ (415)
v3.25.4
EMPLOYEE BENEFITS - Amounts in Accumulated Other Comprehensive Income (Loss) Recognized in Net Periodic Benefit Cost (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Retirement Plan      
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]      
Net loss $ 2,374 $ 578 $ 726
Deferred tax expense (498) (121)  
Accumulated other comprehensive income (loss), net of tax 1,876 457  
Retirement Plan Acquired      
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]      
Net loss 0 0 0
Deferred tax expense 0 0  
Accumulated other comprehensive income (loss), net of tax 0 0  
Restoration Plan      
Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items]      
Net loss 85 51 $ 30
Deferred tax expense (18) (11)  
Accumulated other comprehensive income (loss), net of tax $ 67 $ 40  
v3.25.4
EMPLOYEE BENEFITS - Amounts Recognized as a Component of Accumulated Other Comprehensive Loss (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Retirement Plan    
Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, before Tax [Abstract]    
Net gain (loss) $ (18,089) $ (21,220)
Deferred tax (expense) benefit 3,798 4,456
Accumulated other comprehensive income (loss), net of tax (14,291) (16,764)
Retirement Plan Acquired    
Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, before Tax [Abstract]    
Net gain (loss) 62 293
Deferred tax (expense) benefit (12) (61)
Accumulated other comprehensive income (loss), net of tax 50 232
Restoration Plan    
Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, before Tax [Abstract]    
Net gain (loss) (4,153) (3,126)
Deferred tax (expense) benefit 872 656
Accumulated other comprehensive income (loss), net of tax $ (3,281) $ (2,470)
v3.25.4
EMPLOYEE BENEFITS - Net Periodic Benefit Cost and Postretirement Benefit Cost (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Retirement Plan      
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]      
Interest cost $ 3,682 $ 3,620 $ 3,771
Expected return on assets (4,074) (4,857) (4,573)
Net loss amortization 2,374 578 726
Gain recognized due to settlement 0 0 0
Net periodic benefit cost (income) 1,982 (659) (76)
Retirement Plan Acquired      
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]      
Interest cost 113 105 126
Expected return on assets (137) (180) (187)
Gain recognized due to settlement (192) 0 (16)
Net periodic benefit cost (income) (216) (75) (77)
Restoration Plan      
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]      
Interest cost 895 859 831
Net loss amortization 85 51 30
Gain recognized due to settlement 0 0 0
Net periodic benefit cost (income) $ 980 $ 910 $ 861
v3.25.4
EMPLOYEE BENEFITS - Assumptions Used to Calculate Benefit Obligation, Net Periodic Benefit Cost and Postretirement Benefit (Details)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Retirement Plan      
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Benefit Obligation [Abstract]      
Discount rate 5.45% 5.58%  
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]      
Discount rate 5.58% 5.13% 5.46%
Expected long-term rate of return on plan assets 5.80% 6.13% 6.13%
Retirement Plan Acquired      
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Benefit Obligation [Abstract]      
Discount rate 5.75% 5.71%  
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]      
Discount rate 5.71% 5.13% 5.46%
Expected long-term rate of return on plan assets 6.30% 6.13% 6.13%
Restoration Plan      
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Benefit Obligation [Abstract]      
Discount rate 5.29% 5.47%  
Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]      
Discount rate 5.47% 5.13% 5.46%
v3.25.4
EMPLOYEE BENEFITS - Pension Plan Asset Categories (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Retirement Plan        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets $ 78,602 $ 77,488 $ 81,551 $ 76,735
Retirement Plan Acquired        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets 1,647 3,152 $ 3,085 $ 3,128
Level 1 | Retirement Plan | Cash and cash equivalents        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets 1,205 0    
Level 1 | Retirement Plan | U.S. companies        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [1] 0 0    
Level 1 | Retirement Plan | International        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [2] 0 0    
Level 1 | Retirement Plan | Corporate bonds        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [3] 0 0    
Level 1 | Retirement Plan | Real estate        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [4] 0 0    
Level 1 | Retirement Plan Acquired | Cash and cash equivalents        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets 1,647 [5] 0    
Level 1 | Retirement Plan Acquired | U.S. companies        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [1] 0 756    
Level 1 | Retirement Plan Acquired | International        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [2] 0 295    
Level 1 | Retirement Plan Acquired | Corporate bonds        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [3] 0 2,030    
Level 1 | Retirement Plan Acquired | Real estate        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [4] 0 71    
Level 2 | Retirement Plan | Cash equivalents        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets 0 1,598    
Level 2 | Retirement Plan | U.S. companies        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [6] 6,817 5,544    
Level 2 | Retirement Plan | International        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [6] 2,061 1,532    
Level 2 | Retirement Plan | Collective investment funds        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [7] 68,519 68,814    
Level 2 | Retirement Plan Acquired | Cash equivalents        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets 0 0    
Level 2 | Retirement Plan Acquired | U.S. companies        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [6] 0 0    
Level 2 | Retirement Plan Acquired | International        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [6] 0 0    
Level 2 | Retirement Plan Acquired | Collective investment funds        
Defined Benefit Plan, Categories of Plan Assets [Abstract]        
Total fair value of plan assets [7] $ 0 $ 0    
[1] This category consist of pooled separate accounts invested mainly in domestic stocks.
[2] This category is comprised of pooled separate accounts invested in mutual funds and international stocks.
[3] This category consist of pooled separate accounts invested in mutual funds, bonds and fixed income securities.
[4] This category is comprised of a pooled separate account invested in commercial real estate and includes mortgage loans which are backed by the associated properties.
[5] The Acquired Retirement Plan assets were sold in December 2025 in preparation for the merger of the Acquired Retirement Plan with the Retirement Plan on January 1, 2026.
[6] This category is comprised of collective investment funds invested in mutual funds.
[7] Funds invest principally in investment grade debt securities, including U.S. Government obligations, corporate bonds and mortgage and asset backed securities.
v3.25.4
EMPLOYEE BENEFITS - Expected Future Benefit Payments (Details)
$ in Thousands
Dec. 31, 2025
USD ($)
Retirement Plan  
Defined Benefit Plan, Expected Future Benefit Payment [Abstract]  
2026 $ 5,050
2027 5,270
2028 5,250
2029 5,120
2030 5,190
2031 through 2035 25,010
Total expected future payments 50,890
Retirement Plan Acquired  
Defined Benefit Plan, Expected Future Benefit Payment [Abstract]  
2026 15
2027 42
2028 280
2029 5
2030 5
2031 through 2035 6
Total expected future payments 353
Restoration Plan  
Defined Benefit Plan, Expected Future Benefit Payment [Abstract]  
2026 1,470
2027 1,460
2028 1,490
2029 1,480
2030 1,460
2031 through 2035 7,050
Total expected future payments $ 14,410
v3.25.4
EMPLOYEE BENEFITS - Compensation Expense (Details) - Incentive Plan - USD ($)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Employee      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Share-based compensation expense $ 2,462,000 $ 2,943,000 $ 3,193,000
Tax benefit from share-based compensation expense 517,000 618,000 671,000
Director      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Share-based compensation expense 584,000 580,000 359,000
Tax benefit from share-based compensation expense $ 123,000 $ 122,000 $ 75,000
v3.25.4
EMPLOYEE BENEFITS - Unrecognized Compensation Expense (Details) - Incentive Plan
$ in Thousands
 12 Months Ended
Dec. 31, 2025
USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]  
Unrecognized compensation expense $ 6,877
Weighted-average expected recognition period remaining (in years) 2 years 6 months
v3.25.4
EMPLOYEE BENEFITS - Schedule of Shares Issued in Connection with Stock Compensation Awards (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Proceeds from stock options exercised $ 693 $ 2,624 $ 1,082
Stock options | Incentive Plan      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Proceeds from stock options exercised 693 2,624 1,082
Total intrinsic value of stock options exercised during period 63 480 229
Restricted Stock Units (RSUs) | Incentive Plan      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Fair value of restricted stock units vested $ 3,521 $ 2,187 $ 2,171
Treasury  Stock      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
New shares issued (in shares) 133,036 149,060 99,109
v3.25.4
EMPLOYEE BENEFITS - Summary of Activity of Share-based Plans (Details) - $ / shares
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Service Based - Restricted Stock Units Outstanding      
Number of Shares      
Balance, January 1, 2025 252,028    
Granted (shares) 156,602    
Stock options exercised (in shares) 0    
Stock awards vested (shares) (109,069)    
Forfeited (shares) (11,959)    
Canceled/expired (shares) 0    
Balance, December 31, 2025 287,602 252,028  
Weighted- Average Grant-Date Fair Value      
Balance, January 1, 2025 $ 30.18    
Granted (in dollars per share) 29.48    
Stock options exercised (in dollars per share) 0    
Stock awards vested (in dollars per share) 31.44    
Forfeited (in dollars per share) 30.78    
Canceled/expired (in dollars per share) 0    
Balance, December 31, 2025 $ 29.29 $ 30.18  
Performance Based - Restricted Stock Units Outstanding      
Number of Shares      
Balance, January 1, 2025 51,369    
Granted (shares) 32,409    
Stock options exercised (in shares) 0    
Stock awards vested (shares) (12,977)    
Forfeited (shares) (14,924)    
Canceled/expired (shares) 0    
Balance, December 31, 2025 55,877 51,369  
Weighted- Average Grant-Date Fair Value      
Balance, January 1, 2025 $ 35.69    
Granted (in dollars per share) 33.48    
Stock options exercised (in dollars per share) 0    
Stock awards vested (in dollars per share) 41.74    
Forfeited (in dollars per share) 31.95    
Canceled/expired (in dollars per share) 0    
Balance, December 31, 2025 $ 33.33 $ 35.69  
Stock Options Outstanding      
Number of Shares      
Stock awards vested (shares) 0    
Weighted- Average Grant-Date Fair Value      
Stock awards vested (in dollars per share) $ 0    
Number of Shares      
Balance, January 1, 2025 520,613    
Granted (shares) 0 0 0
Stock options exercised (shares) (26,501)    
Forfeited (shares) 0    
Canceled/expired (shares) (63,658)    
Balance, December 31, 2025 430,454 520,613  
Weighted- Average Exercise  Price      
Balance, January 1, 2025 $ 34.61    
Granted (in dollars per share) 0    
Stock options exercised (in dollars per share) 26.49    
Forfeited (in dollars per share) 0    
Canceled/expired (in dollars per share) 35.05    
Balance, December 31, 2025 35.04 $ 34.61  
Weighted- Average Grant-Date Fair Value      
Balance, January 1, 2025 6.57    
Granted (in dollars per share) 0    
Stock options exercised (in dollars per share) 5.77    
Forfeited (in dollars per share) 0    
Canceled/expired (in dollars per share) 6.65    
Balance, December 31, 2025 $ 6.60 $ 6.57  
v3.25.4
EMPLOYEE BENEFITS - Stock Options Exercise Price Range (Details)
 12 Months Ended
Dec. 31, 2025
$ / shares
shares
Options Outstanding  
Number of Shares (in shares) | shares 430,454
Weighted- Average Exercise Price (in dollars per share) $ 35.04
Weighted- Average Remaining Contractual Life in Years 2 years 8 months 8 days
Options Exercisable  
Number of Shares (in shares) | shares 430,454
Weighted- Average Exercise Price (in dollars per share) $ 35.04
$28.72- $30.00  
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]  
Range of Exercise Prices - Lower Range Limit (in dollars per share) 28.72
Range of Exercise Prices - Upper Range Limit (in dollars per share) $ 30.00
Options Outstanding  
Number of Shares (in shares) | shares 2,420
Weighted- Average Exercise Price (in dollars per share) $ 28.72
Weighted- Average Remaining Contractual Life in Years 5 months 15 days
Options Exercisable  
Number of Shares (in shares) | shares 2,420
Weighted- Average Exercise Price (in dollars per share) $ 28.72
$30.01 - $35.00  
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]  
Range of Exercise Prices - Lower Range Limit (in dollars per share) 30.01
Range of Exercise Prices - Upper Range Limit (in dollars per share) $ 35.00
Options Outstanding  
Number of Shares (in shares) | shares 362,358
Weighted- Average Exercise Price (in dollars per share) $ 34.68
Weighted- Average Remaining Contractual Life in Years 3 years 10 days
Options Exercisable  
Number of Shares (in shares) | shares 362,358
Weighted- Average Exercise Price (in dollars per share) $ 34.68
$35.01 - $37.28  
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]  
Range of Exercise Prices - Lower Range Limit (in dollars per share) 35.01
Range of Exercise Prices - Upper Range Limit (in dollars per share) $ 37.28
Options Outstanding  
Number of Shares (in shares) | shares 65,676
Weighted- Average Exercise Price (in dollars per share) $ 37.28
Weighted- Average Remaining Contractual Life in Years 10 months 24 days
Options Exercisable  
Number of Shares (in shares) | shares 65,676
Weighted- Average Exercise Price (in dollars per share) $ 37.28
v3.25.4
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Narrative (Details)
 3 Months Ended 12 Months Ended
Sep. 30, 2024
contracts
Jun. 30, 2023
contracts
Dec. 31, 2025
USD ($)
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Derivative [Line Items]          
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax     $ 7,924,000 $ 22,042,000 $ 24,544,000
Gain (loss) on hedging activity     (1,200,000) 3,500,000 6,500,000
Cash collateral received from counterparties under master netting agreements     5,538,000 49,874,000  
Derivatives designated as hedging instruments          
Derivative [Line Items]          
Interest Rate Swap Contacts Terminated, Number | contracts 3 1      
Interest Rate Swaps | Cash Flow Hedging          
Derivative [Line Items]          
Derivative, Notional Amount     860,000,000.0    
Interest Rate Swaps | Cash Flow Hedging | Derivatives designated as hedging instruments          
Derivative [Line Items]          
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax     7,924,000 $ 22,042,000 $ 24,544,000
Cash Flow Hedging          
Derivative [Line Items]          
Cash Flow Hedge Gain (Loss) estimated to be Reclassified within 12 Months     $ (367,000)    
v3.25.4
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Schedule of Derivatives Instruments Statements of Financial Performance and Financial Position (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Debt Securities    
Derivative [Line Items]    
Amortized cost of hedged assets $ 1,091,568 $ 903,168
Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of the Hedged Items 1,142 16,617
Financial Asset, Closed Portfolio, Portfolio Layer Method, Amortized Cost 1,070,000 558,500
Hedged Asset, Fair Value Hedge, Portfolio Layer Method, Hedged Layer, Amount of hedged items 301,000 134,000
Hedged Asset, Fair Value Hedge, Portfolio Layer Method, Hedged Layer, Fair Value, Cumulative Increase (Decrease) (789) (1,100)
Deferred (Gain) Loss on Discontinuation of Fair Value Hedge 740 4,800
Loans Receivable    
Derivative [Line Items]    
Amortized cost of hedged assets 239,990 265,845
Cumulative Amount of Fair Value Hedging Adjustments Included in the Carrying Amount of the Hedged Items (58) 1,545
Financial Asset, Closed Portfolio, Portfolio Layer Method, Amortized Cost 240,000 265,800
Hedged Asset, Fair Value Hedge, Portfolio Layer Method, Hedged Layer, Amount of hedged items 155,000 155,000
Hedged Asset, Fair Value Hedge, Portfolio Layer Method, Hedged Layer, Fair Value, Cumulative Increase (Decrease) 58 (1,500)
Deferred (Gain) Loss on Discontinuation of Fair Value Hedge $ 3,000 $ 3,700
v3.25.4
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Schedule of Derivative Instruments (Details) - USD ($)
Dec. 31, 2025
Dec. 31, 2024
Asset Derivative    
Gross derivatives $ 24,152,000 $ 53,811,000
Offsetting derivative assets/liabilities (10,902,000) (2,616,000)
Cash collateral received/posted $ (5,538,000) $ (49,874,000)
Derivative Asset, Statement of Financial Position [Extensible Enumeration] Other assets Other assets
Net derivatives included in the consolidated balance sheets [1] $ 7,712,000 $ 1,321,000
Liability Derivative    
Gross derivatives 24,114,000 24,150,000
Offsetting derivative assets/liabilities (10,902,000) (2,616,000)
Cash collateral received/posted 0 0
Net derivatives included in the consolidated balance sheets [1] $ 13,212,000 $ 21,534,000
Derivative Liability, Statement of Financial Position [Extensible Enumeration] Other liabilities Other liabilities
Cash Flow Hedging | Interest Rate Swaps    
Liability Derivative    
Derivative, Notional Amount $ 860,000,000.0  
Financial institution counterparties    
Derivatives, Fair Value [Line Items]    
Credit exposure related to interest rate swaps 612,000 $ 0
Financial institution counterparties | Derivatives designated as hedging instruments | Cash Flow Hedging | Interest Rate Swaps    
Asset Derivative    
Gross derivatives 2,978,000 12,625,000
Liability Derivative    
Gross derivatives 3,641,000 1,078,000
Derivative, Notional Amount [2] 860,000,000 790,000,000
Financial institution counterparties | Derivatives designated as hedging instruments | Fair Value Hedging | Interest Rate Swaps    
Asset Derivative    
Gross derivatives 862,000 18,331,000
Liability Derivative    
Gross derivatives 161,000 217,000
Derivative, Notional Amount [2] 480,110,000 602,950,000
Financial institution counterparties | Derivatives designated as non-hedging instruments | Interest Rate Swaps    
Asset Derivative    
Gross derivatives 13,212,000 21,534,000
Liability Derivative    
Gross derivatives 7,100,000 1,321,000
Derivative, Notional Amount [2] 706,372,000 408,749,000
Customer counterparties    
Derivatives, Fair Value [Line Items]    
Credit exposure related to interest rate swaps 7,100,000 1,300,000
Customer counterparties | Derivatives designated as non-hedging instruments | Interest Rate Swaps    
Asset Derivative    
Gross derivatives 7,100,000 1,321,000
Liability Derivative    
Gross derivatives 13,212,000 21,534,000
Derivative, Notional Amount [2] $ 706,372,000 $ 408,749,000
[1] Net derivative assets are included in other assets and net derivative liabilities are included in other liabilities on the consolidated balance sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and our credit risk. At December 31, 2025, we had $612,000 credit exposure related to interest rate swaps with financial institutions and $7.1 million related to interest rate swaps with customers. At December 31, 2024, we had no credit exposure related to interest rate swaps with financial institutions and $1.3 million related to interest rate swaps with customers. The credit risk associated with customer transactions is partially mitigated as these are generally secured by the non-cash collateral securing the underlying transaction being hedged.
[2] Notional amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected in the consolidated balance sheets.
v3.25.4
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Weighted Average Remaining Maturity, Lives, and Rates of Interest Rate Swaps (Details) - Interest Rate Swaps - USD ($)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Cash Flow Hedging    
Derivative [Line Items]    
Derivative, Notional Amount $ 860,000,000.0  
Financial institution counterparties | Not Designated as Hedging Instrument    
Derivative [Line Items]    
Derivative, Notional Amount [1] $ 706,372,000 $ 408,749,000
Remaining Maturity 4 years 1 month 6 days 5 years 4 months 24 days
Receive Rate 3.92% 4.65%
Pay Rate 3.54% 3.39%
Financial institution counterparties | Cash Flow Hedging | Designated as Hedging Instrument    
Derivative [Line Items]    
Derivative, Notional Amount [1] $ 860,000,000 $ 790,000,000
Remaining Maturity 1 year 3 months 18 days 1 year 7 months 6 days
Receive Rate 3.83% 4.60%
Pay Rate 3.20% 2.62%
Financial institution counterparties | Fair Value Hedging | Designated as Hedging Instrument    
Derivative [Line Items]    
Derivative, Notional Amount [1] $ 480,110,000 $ 602,950,000
Remaining Maturity 1 year 4 months 24 days 3 years
Receive Rate 3.78% 4.76%
Pay Rate 3.47% 3.33%
Customer counterparties | Not Designated as Hedging Instrument    
Derivative [Line Items]    
Derivative, Notional Amount [1] $ 706,372,000 $ 408,749,000
Remaining Maturity 4 years 1 month 6 days 5 years 4 months 24 days
Receive Rate 3.54% 3.39%
Pay Rate 3.92% 4.65%
[1] Notional amounts, which represent the extent of involvement in the derivatives market, are used to determine the contractual cash flows required in accordance with the terms of the agreement. These amounts are typically not exchanged, significantly exceed amounts subject to credit or market risk and are not reflected in the consolidated balance sheets.
v3.25.4
DERIVATIVE FINANCIAL INSTRUMENTS AND HEDGING ACTIVITIES - Derivative Included In The Consolidated Statements Of Income Related To Interest Rate Swap Agreements (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Derivative [Line Items]      
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax $ 7,924 $ 22,042 $ 24,544
Interest Rate Swaps | Derivatives designated as hedging instruments | Cash Flow Hedging      
Derivative [Line Items]      
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax 7,924 22,042 24,544
Interest Rate Swaps | Derivatives designated as hedging instruments | Cash Flow Hedging | Interest Expense, Deposits      
Derivative [Line Items]      
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax 4,935 13,833 15,225
Interest Rate Swaps | Derivatives designated as hedging instruments | Cash Flow Hedging | Interest Expense, Federal Home Loan Bank borrowings      
Derivative [Line Items]      
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax 2,989 8,209 8,432
Interest Rate Swaps | Derivatives designated as hedging instruments | Cash Flow Hedging | Interest Expense, Other borrowings      
Derivative [Line Items]      
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax 0 0 887
Interest Rate Swaps | Derivatives designated as hedging instruments | Fair Value Hedging | Interest Income, Securities, Operating, Tax Exempt      
Derivative [Line Items]      
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax 3,140 8,646 12,834
Interest Rate Swaps | Derivatives designated as hedging instruments | Fair Value Hedging | Interest Income, Securities, Mortgage-Backed      
Derivative [Line Items]      
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax 1,432 1,167 0
Interest Rate Swaps | Derivatives designated as hedging instruments | Fair Value Hedging | Interest and Fee Income, Loans      
Derivative [Line Items]      
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax 959 999 0
Interest Rate Swaps | Derivatives designated as non-hedging instruments | Noninterest Income, Other      
Derivative [Line Items]      
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax $ 2,079 $ 1,458 $ 352
v3.25.4
FAIR VALUE MEASUREMENT - Fair Value Measurements, Recurring and Nonrecurring Basis (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value $ 1,456,219 $ 1,533,894
Derivative asset: Interest rate swaps [1] 7,712 1,321
Derivative liabilities: Interest rate swaps [1] 13,212 21,534
US Treasury Securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value   173,956
State and Political Subdivisions    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 176,636 414,332
Corporate bonds and other    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 18,021 14,508
Residential MBS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value [2] 1,259,268 926,386
Commercial MBS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value [2] 2,294 4,712
Carrying Amount    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral-dependent loans 4,772,891 4,616,713
Estimated Fair Value    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral-dependent loans 4,700,476 4,499,646
Estimated Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral-dependent loans 0 0
Estimated Fair Value | Significant Other Observable Inputs (Level 2)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral-dependent loans 0 0
Estimated Fair Value | Significant Unobservable Inputs (Level 3)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral-dependent loans 4,700,476 4,499,646
Fair Value, Recurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Equity investments 5,426 5,257
Total asset fair value measurements 1,485,797 1,592,962
Total liability fair value measurements 24,114 24,150
Fair Value, Recurring [Member] | US Treasury Securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value   173,956
Fair Value, Recurring [Member] | State and Political Subdivisions    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 176,636 414,332
Fair Value, Recurring [Member] | Corporate bonds and other    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 18,021 14,508
Fair Value, Recurring [Member] | Residential MBS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value [3] 1,259,268 926,386
Fair Value, Recurring [Member] | Commercial MBS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value [3] 2,294 4,712
Fair Value, Recurring [Member] | Interest Rate Swaps    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Derivative asset: Interest rate swaps 24,152 53,811
Derivative liabilities: Interest rate swaps 24,114 24,150
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Equity investments 5,426 5,257
Total asset fair value measurements 5,426 179,213
Total liability fair value measurements 0 0
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | US Treasury Securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value   173,956
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | State and Political Subdivisions    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 0 0
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | Corporate bonds and other    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 0 0
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | Residential MBS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 0 0
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | Commercial MBS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 0 0
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest Rate Swaps    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Derivative asset: Interest rate swaps 0 0
Derivative liabilities: Interest rate swaps 0 0
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Equity investments 0 0
Total asset fair value measurements 1,480,371 1,413,749
Total liability fair value measurements 24,114 24,150
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) | US Treasury Securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value   0
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) | State and Political Subdivisions    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 176,636 414,332
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) | Corporate bonds and other    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 18,021 14,508
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) | Residential MBS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value [3] 1,259,268 926,386
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) | Commercial MBS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value [3] 2,294 4,712
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) | Interest Rate Swaps    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Derivative asset: Interest rate swaps 24,152 53,811
Derivative liabilities: Interest rate swaps 24,114 24,150
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Equity investments 0 0
Total asset fair value measurements 0 0
Total liability fair value measurements 0 0
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) | US Treasury Securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value   0
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) | State and Political Subdivisions    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 0 0
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) | Corporate bonds and other    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 0 0
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) | Residential MBS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 0 0
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) | Commercial MBS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Securities available for sale, at estimated fair value 0 0
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) | Interest Rate Swaps    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Derivative asset: Interest rate swaps 0 0
Derivative liabilities: Interest rate swaps 0 0
Fair Value, Nonrecurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Foreclosed assets 248 402
Total asset fair value measurements 37,448 7,128
Fair Value, Nonrecurring [Member] | Collateral Pledged    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral-dependent loans [4] 37,200 6,726
Fair Value, Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Foreclosed assets 0 0
Total asset fair value measurements 0 0
Fair Value, Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateral Pledged    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral-dependent loans 0 0
Fair Value, Nonrecurring [Member] | Significant Other Observable Inputs (Level 2)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Foreclosed assets 0 0
Total asset fair value measurements 0 0
Fair Value, Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) | Collateral Pledged    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral-dependent loans 0 0
Fair Value, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Foreclosed assets 248 402
Total asset fair value measurements 37,448 7,128
Fair Value, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) | Collateral Pledged    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Collateral-dependent loans [4] $ 37,200 $ 6,726
[1] Net derivative assets are included in other assets and net derivative liabilities are included in other liabilities on the consolidated balance sheets. Included in the fair value of net derivative assets and net derivative liabilities are credit valuation adjustments reflecting counterparty credit risk and our credit risk. At December 31, 2025, we had $612,000 credit exposure related to interest rate swaps with financial institutions and $7.1 million related to interest rate swaps with customers. At December 31, 2024, we had no credit exposure related to interest rate swaps with financial institutions and $1.3 million related to interest rate swaps with customers. The credit risk associated with customer transactions is partially mitigated as these are generally secured by the non-cash collateral securing the underlying transaction being hedged.
[2] All MBS issued and/or guaranteed by U.S. government agencies or U.S. GSEs.
[3] All MBS are issued and/or guaranteed by U.S. government agencies or U.S. GSEs.
[4] Consists of individually evaluated loans. Loans for which the fair value of the collateral and commercial real estate fair value of the properties is less than cost basis are presented net of allowance. Losses on these loans represent charge-offs which are netted against the allowance for loan losses.
v3.25.4
FAIR VALUE MEASUREMENT - Fair Value, Balance Sheet Grouping (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Carrying Amount    
Financial Assets    
Cash and cash equivalents $ 389,786 $ 426,161
Investment securities:    
HTM, at net carrying value 1,141,570 1,165,007
Mortgage-backed securities:    
HTM, at carrying value 105,907 114,227
FHLB stock, at cost 14,062 33,818
Equity investments 4,148 4,210
Loans, net of allowance for loan losses 4,772,891 4,616,713
Loans held for sale 1,332 1,946
Financial liabilities:    
Deposits 6,865,159 6,654,248
Other borrowings 208,657 76,443
FHLB borrowings 211,136 731,909
Subordinated notes, net of unamortized debt issuance costs 239,678 92,042
Trust preferred subordinated debentures, net of unamortized debt issuance costs 60,279 60,274
Estimated Fair Value    
Financial Assets    
Cash and cash equivalents 389,786 426,161
Investment securities:    
HTM, at net carrying value 1,003,373 1,009,778
Mortgage-backed securities:    
HTM, at carrying value 99,931 103,704
FHLB stock, at cost 14,062 33,818
Equity investments 4,148 4,210
Loans, net of allowance for loan losses 4,700,476 4,499,646
Loans held for sale 1,332 1,946
Financial liabilities:    
Deposits 6,865,692 6,646,510
Other borrowings 208,635 76,399
FHLB borrowings 210,859 727,177
Subordinated notes, net of unamortized debt issuance costs 243,304 88,999
Trust preferred subordinated debentures, net of unamortized debt issuance costs 57,710 56,172
Estimated Fair Value | Level 1    
Financial Assets    
Cash and cash equivalents 389,786 426,161
Investment securities:    
HTM, at net carrying value 0 0
Mortgage-backed securities:    
HTM, at carrying value 0 0
FHLB stock, at cost 0 0
Equity investments 0 0
Loans, net of allowance for loan losses 0 0
Loans held for sale 0 0
Financial liabilities:    
Deposits 0 0
Other borrowings 0 0
FHLB borrowings 0 0
Subordinated notes, net of unamortized debt issuance costs 0 0
Trust preferred subordinated debentures, net of unamortized debt issuance costs 0 0
Estimated Fair Value | Level 2    
Financial Assets    
Cash and cash equivalents 0 0
Investment securities:    
HTM, at net carrying value 1,003,373 1,009,778
Mortgage-backed securities:    
HTM, at carrying value 99,931 103,704
FHLB stock, at cost 14,062 33,818
Equity investments 4,148 4,210
Loans, net of allowance for loan losses 0 0
Loans held for sale 1,332 1,946
Financial liabilities:    
Deposits 6,865,692 6,646,510
Other borrowings 208,635 76,399
FHLB borrowings 210,859 727,177
Subordinated notes, net of unamortized debt issuance costs 243,304 88,999
Trust preferred subordinated debentures, net of unamortized debt issuance costs 57,710 56,172
Estimated Fair Value | Level 3    
Financial Assets    
Cash and cash equivalents 0 0
Investment securities:    
HTM, at net carrying value 0 0
Mortgage-backed securities:    
HTM, at carrying value 0 0
FHLB stock, at cost 0 0
Equity investments 0 0
Loans, net of allowance for loan losses 4,700,476 4,499,646
Loans held for sale 0 0
Financial liabilities:    
Deposits 0 0
Other borrowings 0 0
FHLB borrowings 0 0
Subordinated notes, net of unamortized debt issuance costs 0 0
Trust preferred subordinated debentures, net of unamortized debt issuance costs $ 0 $ 0
v3.25.4
FAIR VALUE MEASUREMENT - Fair Value Measurements, Narrative (Details)
 12 Months Ended
Dec. 31, 2025
source
Available-for-sale Securities  
Fair Value Measurement Inputs and Valuation Techniques [Line Items]  
Number of additional third party sources used to validate prices 2
Derivative [Member]  
Fair Value Measurement Inputs and Valuation Techniques [Line Items]  
Number of additional third party sources used to validate prices 2
v3.25.4
SHAREHOLDERS' EQUITY - Regulatory Capital Requirements (Details)
$ in Thousands
Dec. 31, 2025
USD ($)
Dec. 31, 2024
USD ($)
Consolidated    
Common Equity Tier 1 (to Risk Weighted Assets)    
Common Equity Tier 1 Capital $ 744,172 $ 739,351
Common Equity Tier 1 Capital for Capital Adequacy Purposes $ 260,186 $ 255,228
Common Equity Tier 1 (to Risk Weighted Assets) Ratios [Abstract]    
Common Equity Tier 1 Capital to Risk Weighted Assets 0.1287 0.1304
Common Equity Tier 1 Capital Required for Capital Adequacy Purposes to Risk Weighted Assets 0.0450 0.0450
Tier 1 Capital (to Risk Weighted Assets)    
Tier 1 Capital $ 802,640 $ 797,814
Tier 1 Capital Required for Capital Adequacy Purposes $ 346,915 $ 340,304
Tier 1 Capital (to Risk Weighted Assets) Ratios    
Tier 1 Capital to Risk Weighted Assets 0.1388 0.1407
Tier 1 Capital Required for Capital Adequacy Purposes to Risk Weighted Assets 0.0600 0.0600
Total Capital (to Risk Weighted Assets)    
Total Capital $ 1,072,160 $ 935,308
Total Capital Required for Capital Adequacy Purposes $ 462,553 $ 453,739
Total Capital (to Risk Weighted Assets) Ratios    
Total Capital to Risk Weighted Assets 0.1854 0.1649
Total Capital Required for Capital Adequacy Purposes to Risk Weighted Assets 0.0800 0.0800
Tier 1 Capital (to Average Assets)    
Tier 1 Capital [1] $ 802,640 $ 797,814
Tier 1 Capital Required for Capital Adequacy Purposes [1] $ 330,251 $ 330,155
Tier 1 Capital (to Average Assets) Ratios    
Tier 1 Capital to Average Assets [1] 0.0972 0.0967
Tier 1 Capital Required for Capital Adequacy Purposes to Average Assets [1] 0.0400 0.0400
Bank Only    
Common Equity Tier 1 (to Risk Weighted Assets)    
Common Equity Tier 1 Capital $ 962,990 $ 870,541
Common Equity Tier 1 Capital for Capital Adequacy Purposes 260,102 255,183
Common Equity Tier 1 Capital to be Well Capitalized $ 375,703 $ 368,598
Common Equity Tier 1 (to Risk Weighted Assets) Ratios [Abstract]    
Common Equity Tier 1 Capital to Risk Weighted Assets 0.1666 0.1535
Common Equity Tier 1 Capital Required for Capital Adequacy Purposes to Risk Weighted Assets 0.0450 0.0450
Common Equity Tier 1 Capital Required to be Well Capitalized to Risk Weighted Assets 0.0650 0.0650
Tier 1 Capital (to Risk Weighted Assets)    
Tier 1 Capital $ 962,990 $ 870,541
Tier 1 Capital Required for Capital Adequacy Purposes 346,803 340,244
Tier 1 Capital Required to be Well Capitalized $ 462,403 $ 453,659
Tier 1 Capital (to Risk Weighted Assets) Ratios    
Tier 1 Capital to Risk Weighted Assets 0.1666 0.1535
Tier 1 Capital Required for Capital Adequacy Purposes to Risk Weighted Assets 0.0600 0.0600
Tier 1 Capital Required to be Well Capitalized to Risk Weighted Assets 0.0800 0.0800
Total Capital (to Risk Weighted Assets)    
Total Capital $ 1,011,270 $ 915,993
Total Capital Required for Capital Adequacy Purposes 462,403 453,659
Total Capital Required to be Well Capitalized $ 578,004 $ 567,074
Total Capital (to Risk Weighted Assets) Ratios    
Total Capital to Risk Weighted Assets 0.1750 0.1615
Total Capital Required for Capital Adequacy Purposes to Risk Weighted Assets 0.0800 0.0800
Total Capital Required to be Well Capitalized to Risk Weighted Assets 0.1000 0.1000
Tier 1 Capital (to Average Assets)    
Tier 1 Capital [1] $ 962,990 $ 870,541
Tier 1 Capital Required for Capital Adequacy Purposes [1] 329,998 330,042
Tier 1 Capital Required to be Well Capitalized [1] $ 412,498 $ 412,553
Tier 1 Capital (to Average Assets) Ratios    
Tier 1 Capital to Average Assets [1] 0.1167 0.1055
Tier 1 Capital Required for Capital Adequacy Purposes to Average Assets [1] 0.0400 0.0400
Tier 1 Capital Required to be Well Capitalized to Average Assets [1] 0.0500 0.0500
[1] Refers to quarterly average assets as calculated in accordance with policies established by bank regulatory agencies.
v3.25.4
SHAREHOLDERS' EQUITY - Narrative (Details) - $ / shares
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Payments of Ordinary Dividends [Abstract]      
Cash dividends paid per common share $ 1.44 $ 1.44 $ 1.42
v3.25.4
DIVIDEND REINVESTMENT AND COMMON STOCK REPURCHASE PLAN (Details) - USD ($)
$ / shares in Units, $ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Class of Stock [Line Items]      
Issuance of common stock for dividend reinvestment plan (in shares) 32,086 38,286 38,884
Stock issued during period under dividend reinvestment plan, average price per share (in dollars per share) $ 29.73 $ 30.29 $ 31.48
Common Stock purchased (in shares) 820,931 57,966 1,435,193
Repurchase of common stock, cost $ 23,366 $ 1,505 $ 45,074
v3.25.4
INCOME TAXES - Provision for Income Taxes (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Income Tax Disclosure [Abstract]      
Current income tax expense $ 13,761 $ 19,909 $ 16,547
Deferred income tax expense (benefit) (351) (1,026) (2,110)
Income tax expense $ 13,410 $ 18,883 $ 14,437
v3.25.4
INCOME TAXES - Summary of Net Deferred Tax Assets (Liabilities) (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Assets    
Allowance for loan losses $ 9,471 $ 9,426
Operating lease liabilities 3,010 3,313
Unrealized losses on securities AFS 20,803 33,466
Effective hedging derivatives 309  
Fair value adjustment on loans 327 385
Unfunded status of defined benefit plan 4,658 5,051
State business tax credit 60 121
Stock-based compensation 1,189 1,404
Other 442 165
Gross deferred tax assets 40,269 53,331
Net deferred tax asset 27,059 34,492
Liabilities    
Retirement and other benefit plans 2,198 2,674
Premises and equipment 8,359 8,196
Operating lease ROU assets 2,604 2,911
Core deposit intangible 49 132
Effective hedging derivatives   4,926
Gross deferred tax liabilities $ 13,210 $ 18,839
v3.25.4
INCOME TAXES - Income Tax Expense Reconciliation (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Amount      
Statutory tax expense $ 17,352 $ 22,549 $ 21,237
State business tax 424 883 353
Nontaxable or Nondeductible Items:      
Tax exempt interest (3,954) (3,797) (6,107)
BOLI (762) (893) (1,222)
Other, net 350 141 176
Income tax expense $ 13,410 $ 18,883 $ 14,437
Percent of Pre-Tax Income      
Statutory tax expense 21.00% 21.00% 21.00%
Percent of Pre-tax income, State business tax 0.50% 0.80% 0.30%
Increase (Decrease) in Taxes From:      
Percent of Pre-tax income, Tax exempt interest (4.80%) (3.50%) (6.00%)
Percent of Pre-tax income, Bank owned life insurance (0.90%) (0.80%) (1.20%)
Percent of Pre-tax income, Other net 0.40% 0.10% 0.20%
Percent of Pre-tax income, Income tax expense 16.20% 17.60% 14.30%
v3.25.4
INCOME TAXES Narrative (Details) - USD ($)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Effective Income Tax Rate Reconciliation [Line Items]    
Deferred tax asset valuation allowance $ 0 $ 0
Income Tax Paid, Federal, after Refund Received 12,000,000.0  
Income Tax Paid, State and Local, after Refund Received 1,000,000.0  
TEXAS    
Effective Income Tax Rate Reconciliation [Line Items]    
Income Tax Paid, State and Local, after Refund Received $ 936,000  
v3.25.4
LEASES Narrative (Details)
 12 Months Ended
Dec. 31, 2025
ft²
Lessee, Lease, Description [Line Items]  
Lessee, Operating Lease, Option to Extend 10 years
Building Acquired, Number of Square Feet 202,000
Number of Square Feet We Occupy 35,000
Minimum  
Lessee, Lease, Description [Line Items]  
Lessee, Operating Lease, Remaining Lease Term 2 months
Maximum  
Lessee, Lease, Description [Line Items]  
Lessee, Operating Lease, Remaining Lease Term 14 years 8 months 12 days
Lessee, Operating Lease, Option to Terminate 90 days
v3.25.4
LEASES - Balance Sheet Information (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Leases [Abstract]    
Operating lease ROU assets $ 12,398 $ 13,860
Operating lease liabilities $ 14,335 $ 15,779
v3.25.4
LEASES - Components of Lease Expense (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Leases [Abstract]      
Operating lease cost $ 1,845 $ 1,858 $ 1,802
v3.25.4
LEASES - Supplemental Cash Flow Information (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Operating Leased Assets [Line Items]      
Operating lease ROU assets $ 12,398 $ 13,860  
Operating cash flows from operating leases 1,827 1,799 $ 1,716
Right-of-use assets obtained in exchange for new operating lease liabilities $ 0 $ 556 $ 809
v3.25.4
LEASES - Weighted Average Lease Information (Details)
Dec. 31, 2025
Rate
Dec. 31, 2024
Rate
Leases [Abstract]    
Weighted average remaining lease term 11 years 6 months 12 years 1 month 6 days
Weighted average discount rate 3.47% 3.31%
v3.25.4
LEASES - Future Operating Lease Obligations (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Leases [Abstract]    
2026 $ 1,818  
2027 1,707  
2028 1,676  
2029 1,508  
2030 1,329  
2031 and thereafter 9,488  
Total lease payments 17,526  
Less: Interest (3,191)  
Present value of lease liabilities $ 14,335 $ 15,779
v3.25.4
LEASES - Rental Income (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Lessor, Operating Lease, Description [Abstract]      
Gross rental income $ 3,061 $ 3,151 $ 3,584
Operating Lease, Lease Income, Statement of Income or Comprehensive Income [Extensible Enumeration] Net occupancy    
v3.25.4
LEASES - Future Operating Lease Receivable (Details)
$ in Thousands
Dec. 31, 2025
USD ($)
Leases [Abstract]  
2026 $ 4,100
2027 3,421
2028 2,576
2029 2,236
2030 1,864
2031 and thereafter 6,167
Total lease payments $ 20,364
v3.25.4
OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES - Allowance for off-balance-sheet credit exposures (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]      
Balance at beginning of period $ 3,141 $ 3,932 $ 3,687
Provision for (reversal of) off-balance-sheet credit exposures 25 (791) 245
Balance at end of period $ 3,166 $ 3,141 $ 3,932
v3.25.4
OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES - Off-Balance Sheet Arrangements, Commitments and Contingencies (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Financial instruments with off-balance sheet risk, at fair value $ 860,250 $ 881,710
Commitments to extend credit    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Financial instruments with off-balance sheet risk, at fair value 840,794 865,178
Standby letters of credit    
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]    
Financial instruments with off-balance sheet risk, at fair value $ 19,456 $ 16,532
v3.25.4
OFF-BALANCE-SHEET ARRANGEMENTS, COMMITMENTS AND CONTINGENCIES - Narrative (Details) - USD ($)
Dec. 31, 2025
Dec. 31, 2024
Securities    
Unsettled trades to purchase securities $ 0 $ 0
Unsettled trades to sell securities 0 0
Deposits [Abstract]    
Unsettled issuances of brokered CDs $ 0 $ 0
v3.25.4
SIGNIFICANT GROUP CONCENTRATIONS OF CREDIT RISK (Details)
 12 Months Ended
Dec. 31, 2025
Rate
1-4 family residential real estate loans | Credit Concentration Risk  
Concentration Risk [Line Items]  
Real Estate Loans Collateralized by Owner-Occupied Residential Dwellings, Percentage 18.20%
v3.25.4
PARENT COMPANY FINANCIAL INFORMATION - BALANCE SHEETS (Details) - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
ASSETS        
Cash and due from banks $ 81,080 $ 91,409    
Other assets 42,437 38,308    
Total assets 8,514,590 8,517,448    
Liabilities        
Subordinated notes, net of unamortized debt issuance costs [1] 239,678 92,042    
Trust preferred subordinated debentures, net of unamortized debt issuance costs 60,279 60,274    
Other liabilities 67,731 74,811    
Total liabilities 7,666,975 7,705,506    
Stockholders' Equity        
Common stock:  ($1.25 par value, 80,000,000 shares authorized, 38,110,078 shares issued at December 31, 2025 and 38,077,992 shares issued at December 31, 2024) 47,638 47,598    
Paid-in capital 795,759 793,586    
Retained earnings 352,193 326,793    
Treasury stock: (shares at cost, 8,387,077 at December 31, 2025 and 7,699,182 at December 31, 2024) (252,358) (231,137)    
AOCI (95,617) (124,898)    
Total shareholders’ equity 847,615 811,942 $ 773,288 $ 745,997
Total liabilities and shareholders’ equity 8,514,590 8,517,448    
Parent        
ASSETS        
Cash and due from banks 77,643 17,360    
Other assets 9,225 5,342    
Total assets 1,152,942 965,476    
Liabilities        
Subordinated notes, net of unamortized debt issuance costs 239,678 92,042    
Trust preferred subordinated debentures, net of unamortized debt issuance costs 60,279 60,274    
Other liabilities 5,370 1,218    
Total liabilities 305,327 153,534    
Stockholders' Equity        
Common stock:  ($1.25 par value, 80,000,000 shares authorized, 38,110,078 shares issued at December 31, 2025 and 38,077,992 shares issued at December 31, 2024) 47,638 47,598    
Paid-in capital 795,759 793,586    
Retained earnings 352,193 326,793    
Treasury stock: (shares at cost, 8,387,077 at December 31, 2025 and 7,699,182 at December 31, 2024) (252,358) (231,137)    
AOCI (95,617) (124,898)    
Total shareholders’ equity 847,615 811,942    
Total liabilities and shareholders’ equity 1,152,942 965,476    
Parent | Bank subsidiaries        
ASSETS        
Investment in subsidiaries at equity in underlying net assets 1,064,248 940,948    
Parent | Nonbank subsidiaries        
ASSETS        
Investment in subsidiaries at equity in underlying net assets $ 1,826 $ 1,826    
[1] This debt consists of subordinated notes with a remaining maturity greater than one year that qualify under the risk-based capital guidelines as Tier 2 capital, subject to certain limitations.
v3.25.4
PARENT COMPANY FINANCIAL INFORMATION - BALANCE SHEETS SHARE INFORMATION (Details) - $ / shares
Dec. 31, 2025
Dec. 31, 2024
Common Stock, Par or Stated Value Per Share (in dollars per share) $ 1.25 $ 1.25
Common Stock, Authorized (in shares) 80,000,000 80,000,000
Common Stock, Issued (in shares) 38,110,078 38,077,992
Treasury Stock, (in shares) 8,387,077 7,699,182
Parent    
Common Stock, Par or Stated Value Per Share (in dollars per share) $ 1.25 $ 1.25
Common Stock, Authorized (in shares) 80,000,000 80,000,000
Common Stock, Issued (in shares) 38,110,078 38,077,992
Treasury Stock, (in shares) 8,387,077 7,699,182
v3.25.4
PARENT COMPANY FINANCIAL INFORMATION - INCOME STATEMENT (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Income      
Other $ 1,822 $ 2,079 $ 1,185
Total interest and dividend income 403,074 414,336 359,741
Expense      
Total interest expense 181,990 198,209 144,714
Income tax benefit (13,410) (18,883) (14,437)
Net income 69,220 88,494 86,692
Parent      
Income      
Dividends from subsidiary 40,000 65,000 85,000
Interest income 121 138 135
Other 0 178 587
Total interest and dividend income 40,121 65,316 85,722
Expense      
Total interest expense 12,242 8,395 8,424
Other 3,496 3,201 3,319
Total expense 15,738 11,596 11,743
Income before income tax expense 24,383 53,720 73,979
Income tax benefit 3,279 2,368 2,314
Income before equity in undistributed earnings of subsidiaries 27,662 56,088 76,293
Equity in undistributed earnings of subsidiaries 41,558 32,406 10,399
Net income $ 69,220 $ 88,494 $ 86,692
v3.25.4
PARENT COMPANY FINANCIAL INFORMATION - CASH FLOWS (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
OPERATING ACTIVITIES:      
Net income $ 69,220 $ 88,494 $ 86,692
Adjustments to reconcile net income to net cash provided by operations:      
Stock compensation expense 3,046 3,523 3,552
Net change in other assets 8,190 (70,759) 37,874
Net change in other liabilities (52,477) 51,472 (85,559)
Net cash provided by (used in) operating activities 93,817 101,849 79,864
INVESTING ACTIVITIES:      
Net cash provided by (used in) investing activities (34,221) (382,856) (327,073)
FINANCING ACTIVITIES:      
Net proceeds from issuance of subordinated notes 147,428 0 0
Purchase/redemption of subordinated notes 0 (1,805) (4,365)
Purchase of common stock (23,182) (1,505) (44,803)
Cash dividends paid (43,371) (43,630) (43,582)
Net cash provided by (used in) financing activities (95,971) 146,658 608,467
Net increase (decrease) in cash and cash equivalents (36,375) (134,349) 361,258
Cash and cash equivalents at beginning of period 426,161    
Cash and cash equivalents at end of period 389,786 426,161  
Parent      
OPERATING ACTIVITIES:      
Net income 69,220 88,494 86,692
Adjustments to reconcile net income to net cash provided by operations:      
Amortization 213 152 159
Stock compensation expense 585 580 360
Equity in undistributed earnings of subsidiaries (41,558) (32,406) (10,399)
(Gain on purchase) loss on redemption of subordinated notes 0 (178) (587)
Net change in other assets (3,883) (577) (354)
Net change in other liabilities 4,152 (70) 303
Net cash provided by (used in) operating activities 28,729 55,995 76,174
INVESTING ACTIVITIES:      
Investment in subsidiaries (50,000) 0  
Net cash provided by (used in) investing activities (50,000) 0 0
FINANCING ACTIVITIES:      
Net proceeds from issuance of subordinated notes 147,428 0 0
Purchase/redemption of subordinated notes 0 (1,805) (4,365)
Purchase of common stock (23,366) (1,505) (45,074)
Proceeds from issuance of common stock 863 3,208 1,709
Cash dividends paid (43,371) (43,630) (43,582)
Net cash provided by (used in) financing activities 81,554 (43,732) (91,312)
Net increase (decrease) in cash and cash equivalents 60,283 12,263 (15,138)
Cash and cash equivalents at beginning of period 17,360 5,097 20,235
Cash and cash equivalents at end of period $ 77,643 $ 17,360 $ 5,097
v3.25.4
SUBSEQUENT EVENTS (Details) - 3.875% Subordinated Notes - USD ($)
$ in Thousands
Feb. 15, 2026
Nov. 06, 2020
Subsequent Event [Line Items]    
Stated interest rate   3.875%
Subsequent Event    
Subsequent Event [Line Items]    
Stated interest rate 3.875%  
Debt principal redeemed $ 100,000  
Debt principal redeemed, previously paid $ 7,000  
Debt redemption percentage 100.00%  
Loss on debt redemption $ 791