Other Borrowings	12 Months Ended
Dec. 31, 2025
Other Borrowings [Abstract]
Other Borrowings	Note 11 – Other borrowings Short-term borrowings may consist of securities sold under agreements to repurchase, which are secured transactions with customers and generally mature the day following the date sold. Short-term borrowings may also include federal funds purchased, which are unsecured overnight borrowings from other financial institutions. There was no utilization of short-term borrowings in 2025 other than one day nominal balances to test the lines. Average daily balances were less than $1,100 for the year. The Bank maintains unsecured federal fund lines at 5 institutions with an aggregate limit of $58,000,000, including a secured federal funds line with CBB whereby it may pledge securities as collateral with no specified minimum or maximum amount or term. The amount available at December 31, 2025 on the CBB secured line based on the securities pledged is $5,117,000. The Bank is also a member of the FHLBA. The Bank’s available credit through the FHLBA was $303,408,000 as of December 31, 2025. The Bank must pledge collateral in order to access the FHLBA available credit. Currently the Bank has pledged to the FHLBA approximately $60,959,000 in 1-4 family residential mortgages and securities which, after adjustments for the loan-to-value requirements by the FHLBA, would allow the Bank to access up to $47,574,000 in credit without pledging any additional collateral. As of December 31, 2025 and 2024 there were no outstanding balances on any of the credit facilities mentioned above. On December 29, 2021, the Company borrowed $11,000,000 from National Bank of Blacksburg (“NBB”) pursuant to a secured promissory note (the “NBB Note”). The NBB Note is secured by a first priority lien on approximately 4.95% of the Bank’s common stock. A portion of the proceeds were used to purchase 100% of the capital stock of PWW. The balance of the NBB Note is presented on the Consolidated Balance Sheets under “other borrowings” and is net of unamortized issuance costs. On June 30, 2022, the terms of the NBB Note were modified effective July 1, 2022. Pursuant to the first modification, the maturity date was extended to December 31, 2026 and the interest rate was adjusted to 3.90% from 4.00%. On September 30, 2025, the NBB Note was modified a second time. Pursuant to the second modification, the maturity date was extended to August 31, 2030, the interest rate was adjusted to 5.65%, and the payment structure was modified to sixty equal monthly payments of $61,805.22 beginning September 30, 2025, with a balloon payment of the remaining outstanding principal balance plus accrued interest due at maturity. The principal balance on the NBB Note was $8,796,000 and $9,300,000 as of December 31, 2025 and December 31, 2024, respectively.

Other Borrowings

12 Months Ended

Dec. 31, 2025

Note 11 – Other borrowings

Short-term borrowings may consist of securities sold under agreements to repurchase, which are secured transactions with customers and generally mature the day following the date sold. Short-term borrowings may also include federal funds purchased, which are unsecured overnight borrowings from other financial institutions.

There was no utilization of short-term borrowings in 2025 other than one day nominal balances to test the lines. Average daily balances were less than $1,100 for the year.

The Bank maintains unsecured federal fund lines at 5 institutions with an aggregate limit of $58,000,000, including a secured federal funds line with CBB whereby it may pledge securities as collateral with no specified minimum or maximum amount or term. The amount available at December 31, 2025 on the CBB secured line based on the securities pledged is $5,117,000.

The Bank is also a member of the FHLBA. The Bank’s available credit through the FHLBA was $303,408,000 as of December 31, 2025. The Bank must pledge collateral in order to access the FHLBA available credit. Currently the Bank has pledged to the FHLBA approximately $60,959,000 in 1-4 family residential mortgages and securities which, after adjustments for the loan-to-value requirements by the FHLBA, would allow the Bank to access up to $47,574,000 in credit without pledging any additional collateral.

As of December 31, 2025 and 2024 there were no outstanding balances on any of the credit facilities mentioned above.

On December 29, 2021, the Company borrowed $11,000,000 from National Bank of Blacksburg (“NBB”) pursuant to a secured promissory note (the “NBB Note”). The NBB Note is secured by a first priority lien on approximately 4.95% of the Bank’s common stock. A portion of the proceeds were used to purchase 100% of the capital stock of PWW. The balance of the NBB Note is presented on the Consolidated Balance Sheets under “other borrowings” and is net of unamortized issuance costs.

On June 30, 2022, the terms of the NBB Note were modified effective July 1, 2022. Pursuant to the first modification, the maturity date was extended to December 31, 2026 and the interest rate was adjusted to 3.90% from 4.00%. On September 30, 2025, the NBB Note was modified a second time. Pursuant to the second modification, the maturity date was extended to August 31, 2030, the interest rate was adjusted to 5.65%, and the payment structure was modified to sixty equal monthly payments of $61,805.22 beginning September 30, 2025, with a balloon payment of the remaining outstanding principal balance plus accrued interest due at maturity. The principal balance on the NBB Note was $8,796,000 and $9,300,000 as of December 31, 2025 and December 31, 2024, respectively.