v3.25.4
Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Cash flows from operating activities:    
Net income $ 5,992 $ 8,170
Adjustments to reconcile net income to cash provided by operating activities:    
Depreciation and amortization 1,695 1,590
Provision for credit losses 4,031 622
Deferred income tax expense 50 583
Reclassification of unrealized gains on terminated derivative contracts (194) (864)
Stock-based compensation expense 744 617
Net accretion of securities (750) (281)
Amortization of intangible assets 49 122
Net loss on premises and equipment and other real estate 194 151
Changes in assets and liabilities:    
Increase in cash surrender value of bank owned life insurance (322) (354)
(Increase) decrease in accrued interest receivable (328) 388
Increase in other assets (77) (995)
Increase (decrease) in accrued interest expense 775 (279)
Increase (decrease) in other liabilities 466 (1,709)
Net cash provided by operating activities 12,325 7,761
Cash flows from investing activities:    
Net decrease in federal funds sold and securities purchased under reverse repurchase agreements 877 3,748
Purchases of investment securities, available-for-sale (43,625) (57,957)
Proceeds from maturities and prepayments of investment securities, available-for-sale 49,936 28,535
Proceeds from maturities and prepayments of investment securities, held-to-maturity 216 421
Net decrease (increase) in Federal Home Loan Bank stock 465 (55)
Net increase in loans (34,720) (3,808)
Proceeds from the sale of premises and equipment and other real estate 1,969 869
Purchases of premises and equipment (3,241) (2,100)
Net cash used in investing activities (28,123) (30,347)
Cash flows from financing activities:    
Net increase in customer deposits 55,405 22,366
Net decrease in short-term borrowings (10,000) 0
Net share-based compensation transactions 93 64
Repurchases of common stock (1,761) (1,643)
Dividends paid (1,608) (1,264)
Net cash provided by financing activities 42,129 19,523
Net increase (decrease) in cash and cash equivalents 26,331 (3,063)
Cash and cash equivalents, beginning of period 47,216 50,279
Cash and cash equivalents, end of period $ 73,547 $ 47,216