Income Taxes (Tables)

12 Months Ended

Dec. 31, 2025

Income Tax Disclosure [Abstract]

Schedule of Components of Income Tax Expense (Benefit)

The consolidated provisions for income taxes for the years ended December 31, 2025 and 2024 were as follows:


		2025				2024
		(Dollars in Thousands)
Current taxes
Federal		$	1,508			$	1,458
State			386				543
Total current taxes			1,894				2,001
Deferred taxes
Federal			33				538
State			17				45
Total deferred			50				583
Total tax provision		$	1,944			$	2,584

Schedule of Effective Income Tax Rate Reconciliation

The following table reconciles the U.S. federal statutory income tax rate of 21% to the Company’s effective income tax rate for the year ended December 31, 2025.


		2025
		Amount				Percent
		(Dollars in Thousands)
Income before provision for income taxes		$	7,936

US federal statutory tax rate			1,667				21.0	%
State and local income taxes, net of federal income tax effect (1)			317				4.0	%
Nontaxable or nondeductible items			(65	)			-0.8	%
Other reconciling items (2)			25				0.3	%
Total		$	1,944				24.5	%

(1) State taxes in Alabama made up the majority of the tax effect of this category. The Company has no foreign operations and does not file income tax returns in foreign jurisdictions.

(2) No individual component of this category was material to the rate reconciliation.

The following table details how the consolidated tax expense differed from the amount computed by applying the Company's federal statutory income tax rate of 21% in 2024, prior to the adoption of ASU 2023-09:


	2024

Income tax expense at federal statutory rate	$	2,258
Increase (decrease) resulting from:
Tax-exempt interest		(52	)
Bank-owned life insurance		(74	)
State income tax expense, net of federal income tax effect		414
Apportionment and state rate changes		119
Other		(81	)
Total	$	2,584

Schedule of Deferred Tax Assets and Liabilities

The tax effects of temporary differences that gave rise to significant portions of the deferred tax assets and deferred tax liabilities as of December 31, 2025 and 2024 are presented below:


		2025				2024
		(Dollars in Thousands)
Deferred tax assets:
Allowance for credit losses		$	2,809			$	2,657
Deferred compensation			562				749
Deferred commissions and fees			289				368
Unrealized loss on securities available-for-sale			240				1,676
Other			538				554
Total gross deferred tax assets			4,438				6,004
Deferred tax liabilities:
Premises and equipment			1,293				1,329
Core deposit intangible			—				12
Limited partnerships			114				112
Unrealized gain on cash flow hedges			—				227
Other			206				260
Total gross deferred tax liabilities			1,613				1,940
Net deferred tax asset, included in other assets		$	2,825			$	4,064