
	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
June 30, 2025	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Balance, beginning of year	$	40	$	16	$	1,529	$	224	$	507	$	272	$	38	$	45	$	168	$	2,839
Charge-offs		—		—		—		—		—		—		—		—		(130)		(130)
Recoveries		—		—		—		—		—		—		—		—		81		81
(Release) provision for credit losses		(26)		(2)		(63)		(121)		(150)		90		(4)		(9)		82		(203)

Balance, end of quarter	$	14	$	14	$	1,466	$	103	$	357	$	362	$	34	$	36	$	201	$	2,587

Individually evaluated for impairment:
Balance in allowance	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Related loan balance		—		—		979		—		864		—		461		—		—		2,304

Collectively evaluated for impairment:
Balance in allowance	$	14	$	14	$	1,466	$	103	$	357	$	362	$	34	$	36	$	201	$	2,587
Related loan balance		4,626		311		103,188		4,947		49,766		19,012		5,078		2,512		21,618		211,058


	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
December 31, 2024	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Balance, beginning of year	$	31	$	18	$	1,290	$	96	$	190	$	304	$	21	$	30	$	177	$	2,157
Charge-offs		—		—		—		—		—		—		(299)		(18)		(67)		(384)
Recoveries		—		—		—		—		—		—		—		133		89		222
Provision (release) for credit losses		9		(2)		239		128		317		(32)		316		(100)		(31)		844

Balance, end of the year	$	40	$	16	$	1,529	$	224	$	507	$	272	$	38	$	45	$	168	$	2,839

Individually evaluated for impairment:
Balance in allowance	$	—	$	—	$	18	$	—	$	—	$	121	$	—	$	—	$	—	$	139
Related loan balance		—		—		26		—		—		773		—		—		—		799

Collectively evaluated for impairment:
Balance in allowance	$	40	$	16	$	1,511	$	224	$	507	$	151	$	38	$	45	$	168	$	2,700
Related loan balance		8,882		315		98,967		5,022		48,726		15,932		5,691		2,880		18,005		204,420


	Gross Charge-offs
June 30, 2025		Term Loans by Origination Year
(dollars in thousands)														Revolving
	2025		2024		2023		2022		2021		Prior		Loans		Total
Consumer Loans
Consumer	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Automobile		—		16		—		24		22		68		—		130
Total Consumer		—		16		—		24		22		68		—		130

Total gross charge-offs this period	$	—	$	16	$	—	$	24	$	22	$	68	$	—	$	130


	Gross Charge-offs
December 31, 2024		Term Loans by Origination Year
(dollars in thousands)														Revolving
	2024		2023		2022		2021		2020		Prior		Loans		Total
Commercial and Industrial Loans
Commercial and industrial	$	—	$	—	$	—	$	299	$	—	$	—	$	—	$	299

Consumer Loans
Consumer	$	—	$	—	$	13	$	—	$	—	$	5	$	—	$	18
Automobile		—		—		—		—		51		16		—		67
Total Consumer		—		—		13		0		51		21		—		85

Total gross charge-offs this period	$	—	$	—	$	13	$	299	$	51	$	21	$	—	$	384


At June 30, 2025					90 Days or
(dollars in thousands)			30-89 Days		More and
	Current		Past Due		Still Accruing		Nonaccrual		Total
Loans Secured by Real Estate
Construction and land	$	4,626	$	—	$	—	$	—	$	4,626
Farmland		311		—		—		—		311
Single-family residential		103,253		27		—		887		104,167
Multi-family		4,947		—		—		—		4,947
Commercial		50,510		—		—		120		50,630
Total loans secured by real estate		163,647		27		—		1,007		164,681
Commercial and Industrial
Commercial and industrial		19,012		—		—		—		19,012
SBA guaranty		5,539		—		—		—		5,539
Total commercial and industrial loans		24,551		—		—		—		24,551
Consumer Loans
Consumer		2,488		24		—		—		2,512
Automobile		21,178		381		—		59		21,618
Total consumer loans		23,666		405		—		59		24,130

	$	211,864	$	432	$	—	$	1,066	$	213,362


At December 31, 2024					90 Days or
(dollars in thousands)			30-89 Days		More and
	Current		Past Due		Still Accruing		Nonaccrual		Total
Loans Secured by Real Estate
Construction and land	$	8,882	$	—	$	—	$	—	$	8,882
Farmland		315		—		—		—		315
Single-family residential		97,742		1,102		—		149		98,993
Multi-family		5,022		—		—		—		5,022
Commercial		48,602		—		—		124		48,726
Total loans secured by real estate		160,563		1,102		—		273		161,938
Commercial and Industrial
Commercial and industrial		16,233		472		—		—		16,705
SBA guaranty		5,691		—		—		—		5,691
Total commercial and industrial loans		21,924		472		—		—		22,396
Consumer Loans
Consumer		2,879		1		—		—		2,880
Automobile		17,613		305		—		87		18,005
Total consumer loans		20,492		306		—		87		20,885

	$	202,979	$	1,880	$	—	$	360	$	205,219


	June 30,			December 31,
(dollars in thousands)	2025			2024

Restructured loans to borrowers with financial difficulty	$	24		$	26
Non-accrual and 90+ days past due and still accruing loans to average loans		0.51	%		0.19	%
Allowance for credit losses to nonaccrual & 90+ days past due and still accruing loans		242.8	%		789.1	%


	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
June 30, 2025	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Pass	$	4,626	$	311	$	103,188	$	4,947	$	49,766	$	19,012	$	5,078	$	2,512	$	21,504	$	210,944
Special mention		—		—		—		—		—		—		—		—		—		—
Substandard		—		—		979		—		864		—		461		—		114		2,418
Doubtful		—		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—		—

	$	4,626	$	311	$	104,167	$	4,947	$	50,630	$	19,012	$	5,539	$	2,512	$	21,618	$	213,362

Nonaccrual	$	—	$	—	$	887	$	—	$	120	$	—	$	—	$	—	$	59	$	1,066
Restructured loans to borrowers with financial difficulty	$	—	$	—	$	24	$	—	$	—	$	—	$	—	$	—	$	—	$	24
Number restructured loans to borrowers with financial difficulty		—		—		1		—		—		—		—		—		—		1
Non-performing restructured loans to borrowers with financial difficulty	$	—	$	—	$	24	$	—	$	—	$	—	$	—	$	—	$	—	$	24
Number of non-performing restructured loan accounts		—		—		1		—		—		—		—		—		—		1


	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
December 31, 2024	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Pass	$	8,882	$	315	$	98,844	$	5,022	$	47,829	$	16,705	$	5,219	$	2,880	$	17,918	$	203,614
Special mention		—		—		—		—		—		—		472		—		—		472
Substandard		—		—		149		—		897		—		—		—		87		1,133
Doubtful		—		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—		—

	$	8,882	$	315	$	98,993	$	5,022	$	48,726	$	16,705	$	5,691	$	2,880	$	18,005	$	205,219

Nonaccrual	$	—	$	—	$	149	$	—	$	124	$	—	$	—	$	—	$	87	$	360
Restructured loans to borrowers with financial difficulty	$	—	$	—	$	26	$	—	$	—	$	—	$	—	$	—	$	—	$	26
Number restructured loans to borrowers with financial difficulty		—		—		1		—		—		—		—		—		—		1
Non-performing restructured loans to borrowers with financial difficulty	$	—	$	—	$	26	$	—	$	—	$	—	$	—	$	—	$	—	$	26
Number of non-performing restructured loan accounts		—		—		1		—		—		—		—		—		—		1