v3.26.1
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
INTEREST INCOME    
Interest and fees on loans $ 57,289,000 $ 51,187,000
Interest and dividend income on securities:    
Taxable 15,832,000 17,743,000
Tax-exempt 935,000 1,074,000
Dividends 67,000 57,000
Dividend income on restricted investment in bank stocks 816,000 928,000
Interest on interest-bearing deposits in other banks 2,260,000 433,000
Total interest income 77,199,000 71,422,000
INTEREST EXPENSE    
Interest on deposits 27,501,000 25,276,000
Interest on short-term borrowings 5,989,000 7,720,000
Interest on long-term borrowings 4,964,000 5,053,000
Interest on subordinated debt 1,094,000 1,094,000
Total interest expense 39,548,000 39,143,000
Net interest income 37,651,000 32,279,000
Provision for credit losses 4,701,000 1,640,000
Net interest income after provision for credit losses 32,950,000 30,639,000
NON-INTEREST INCOME    
Increase in cash surrender value of life insurance 666,000 669,000
ATM fees and debit card income 2,261,000 2,228,000
Net gains on sales of mortgage loans 143,000 80,000
Net securities gains 224,000 105,000
Gains from life insurance proceeds 255,000 0
Other 340,000 317,000
Total non-interest income 7,323,000 6,697,000
NON-INTEREST EXPENSE    
Salaries and employee benefits 17,879,000 17,228,000
Occupancy, net 2,315,000 2,191,000
Furniture and equipment expense 836,000 676,000
Computer expense 1,704,000 1,478,000
Professional services 1,611,000 1,617,000
Pennsylvania shares tax 1,119,000 1,070,000
FDIC insurance, net 1,251,000 1,097,000
ATM and debit card fees 1,208,000 1,003,000
Data processing fees 1,475,000 1,022,000
Advertising 449,000 560,000
Goodwill impairment 0 19,133,000
Other 4,061,000 3,509,000
Total non-interest expense 33,908,000 50,584,000
Income (loss) before income tax (benefit) expense 6,365,000 (13,248,000)
Income tax expense (benefit) 213,000 (45,000)
NET INCOME (LOSS) $ 6,152,000 $ (13,203,000)
Net income (loss) per share:    
Basic $ 0.99 $ (2.14)
Diluted 0.99 (2.14)
Dividends per share $ 1.12 $ 1.12
Trust department    
NON-INTEREST INCOME    
Non-interest customer contract revenue $ 1,068,000 $ 1,051,000
Service charges and fees    
NON-INTEREST INCOME    
Non-interest customer contract revenue $ 2,366,000 $ 2,247,000