v3.26.1
Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Cash Provided by (Used in) Operating Activity, Including Discontinued Operation [Abstract]    
Net income $ 5,766 $ 4,278
Adjustments to reconcile net income to net cash provided by operating activities    
Depreciation and amortization 750 636
Provision for credit losses 698 150
Amortization (accretion) of right of use asset (9) 5
Unrealized (gain) loss on equity security (16) 4
Write down of other real estate owned 270 50
Non-cash compensation 0 10
Loss on disposal of premises and equipment 0 5
Gain of sale of SBA loans (89) 0
Gain on insurance proceeds (53) (142)
(Gain) on fair value hedge 0 (260)
Gain on settlement of fair value hedge (94) 0
Deferred tax expense (benefit) (89) 257
Loss on sale of securities 0 (13)
Stock based compensation 172 18
Amortization of debt issuance costs (16) (6)
Amortization of premiums and (accretion of discounts), net (441) (992)
Increase in bank owned life insurance cash surrender value (424) (394)
Deferred loan fees and costs, net 79 136
Accrued interest payable 275 (480)
Other liabilities (49) 872
Decrease (increase) in    
Mortgage loans held for sale (557) (157)
Accrued interest receivable (96) (258)
Other assets (59) (1,424)
Net cash provided by operating activities 6,050 2,307
Cash Provided by (Used in) Investing Activity, Including Discontinued Operation [Abstract]    
Available for sale 13,259 18,071
Held to maturity 593 351
Available for sale 0 23,887
Available for sale (1,016) (3,269)
Held to maturity 0 (573)
Loans made to customers, net of principal collected (52,531) (59,921)
Purchase of stock in FHLB of Atlanta (2,772) (58)
Equity security dividends reinvested (16) (15)
Redemption/pay out of BOLI 395 0
Proceeds from sale of REO property 906 0
Proceeds from insurance 53 142
Purchases of premises, equipment and software (370) (1,339)
Net cash used in investing activities (41,499) (22,724)
Cash flows from financing activities    
Noninterest-bearing deposits 9,901 (8,087)
Interest-bearing deposits (48,247) 85,935
Securities sold under repurchase agreements (1,247) (1,196)
Federal Home Loan Bank of Atlanta advances 57,700 0
Federal Reserve Bank advances 0 (33,000)
Subordinated debt offering, net of issuance costs 12,024 0
Long-term debt principal payments (11,333) (1,889)
Dividends paid, net of reinvestments (1,329) (1,377)
Net cash provided by financing activities 17,469 40,386
Net (decrease) increase in cash and cash equivalents (17,980) 19,969
Cash and cash equivalents at beginning of period 64,659 44,690
Cash and cash equivalents at end of period 46,679 64,659
Supplemental disclosure of cash flow information:    
Cash paid during the period for interest 17,667 17,998
Cash paid during the period for income taxes 888 724
Supplemental disclosure of non-cash transactions:    
Net unrealized gain (loss) on securities available for sale 5,989 (540)
Increase (decrease) in fair value of interest rate swap agreements (790) 2,162
Additions to right of use assets obtained in exchange for lease liabilities 0 705
Foreclosure in settlement of loan receivable $ 1,673 $ 0