v3.26.1
Consolidated Statements of Income - USD ($)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Interest Income    
Loans, including fees $ 32,760,000 $ 30,713,000
Investment securities, taxable 643,000 765,000
Investment securities, tax-exempt 830,000 866,000
Interest-earning deposits 2,050,000 2,460,000
Total Interest Income 36,283,000 34,804,000
Interest Expense    
Deposits 11,550,000 13,077,000
Long-term debt 108,000 621,000
Finance Lease and Other 60,000 43,000
Total Interest Expense 11,718,000 13,741,000
Net Interest Income 24,565,000 21,063,000
Provision for Credit Losses (180,000) (1,479,000)
Net Interest Income After Provision for Credit Losses 24,745,000 22,542,000
Non-Interest Income    
Service charges and fees 1,055,000 1,104,000
Debit card fees 780,000 816,000
Earnings on bank-owned life insurance 1,148,000 1,074,000
Gains on equity securities 150,000 54,000
Recovery on previously impaired investment securities 4,000 6,000
Gain on sale of securities available for sale 10,000  
Earnings on annuity assets 58,000 161,000
Other 68,000 89,000
Total Non-Interest Income 3,273,000 3,304,000
Non-Interest Expense    
Salaries and employee benefits 11,609,000 11,452,000
Occupancy and equipment 2,590,000 2,717,000
Data processing 1,933,000 1,786,000
Professional services 1,137,000 1,449,000
Telephone and communications 321,000 434,000
FDIC insurance 303,000 796,000
Postage and supplies 310,000 276,000
Advertising 58,000 94,000
Other 1,005,000 976,000
Total Non-Interest Expense 19,266,000 19,980,000
Income before Income Taxes 8,752,000 5,866,000
Income Tax Expense 1,483,000 935,000
Net Income $ 7,269,000 $ 4,931,000
Earnings Per Common Share: Basic $ 0.97 $ 0.65
Earnings Per Common Share: Diluted 0.97 0.65
Dividends declared per share $ 0.31 $ 0.4