v3.26.1
Consolidated Condensed Statements of Income (Unaudited) - USD ($)
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
INTEREST AND DIVIDEND INCOME    
Interest income - loans including fees $ 55,109,000 $ 46,707,000
Taxable securities 7,773,000 7,096,000
Tax exempt securities 2,793,000 2,451,000
Dividends 761,000 541,000
Federal funds sold and other interest income 681,000 510,000
TOTAL INTEREST AND DIVIDEND INCOME 67,117,000 57,305,000
INTEREST EXPENSE    
Deposits 20,440,000 19,717,000
Short-term borrowings 3,135,000 2,417,000
Long-term borrowings 974,000 976,000
TOTAL INTEREST EXPENSE 24,549,000 23,110,000
NET INTEREST INCOME 42,568,000 34,195,000
(Credit) Provision for credit losses (1,013,000) 22,000
(Credit) for unfunded commitments (21,000) (226,000)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 43,602,000 34,399,000
NONINTEREST INCOME    
Bank owned life insurance income 1,492,000 810,000
Security (losses), including fair value changes for equity securities (18,000) (1,313,000)
Net gains on sale of loans 380,000 326,000
Other mortgage banking income (loss), net 477,000 147,000
Other operating income 898,000 1,178,000
Total noninterest income 13,688,000 10,481,000
NONINTEREST EXPENSES    
Salaries and employee benefits 18,511,000 16,166,000
Occupancy and equipment 5,126,000 4,138,000
FDIC insurance and state and local taxes 1,603,000 1,262,000
Professional fees 1,112,000 1,196,000
System conversion/Acquisition related costs 3,981,000 0
Advertising 544,000 456,000
Intangible amortization 865,000 735,000
Core processing charges 1,750,000 1,397,000
Other operating expenses 3,826,000 3,176,000
TOTAL NONINTEREST EXPENSES 37,318,000 28,526,000
INCOME BEFORE INCOME TAXES 19,972,000 16,354,000
Income Tax Expense (Benefit) 3,708,000 2,776,000
NET INCOME $ 16,264,000 $ 13,578,000
EARNINGS PER SHARE - basic (in dollars per share) $ 0.36 $ 0.36
EARNINGS PER SHARE - diluted (in dollars per share) $ 0.36 $ 0.36
Deposit Account [Member]    
NONINTEREST INCOME    
Noninterest revenue $ 1,966,000 $ 1,758,000
Fiduciary and Trust [Member]    
NONINTEREST INCOME    
Noninterest revenue 3,030,000 2,641,000
Insurance Agency Commissions [Member]    
NONINTEREST INCOME    
Noninterest revenue 1,683,000 1,741,000
Retirement Plan Consulting [Member]    
NONINTEREST INCOME    
Noninterest revenue 886,000 798,000
Investment Commissions [Member]    
NONINTEREST INCOME    
Noninterest revenue 871,000 529,000
Credit and Debit Card [Member]    
NONINTEREST INCOME    
Noninterest revenue $ 2,023,000 $ 1,866,000