v3.26.1
Consolidated Statements of Income - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Interest and Dividend Income    
Interest and fees on loans $ 26,586 $ 24,807
Interest on investment securities, taxable 1,165 1,032
Interest on investment securities, tax-exempt 9 9
Dividends 116 123
Interest on deposits in banks 1,206 1,334
Total interest and dividend income 29,082 27,305
Interest Expense    
Deposits 11,673 12,300
Federal Home Loan Bank advances 551 559
Subordinated debt 349 349
Total interest expense 12,573 13,208
Net Interest Income 16,509 14,097
Provision for credit losses 23 170
Net interest income after provision for credit losses 16,486 13,927
Non-interest Income    
Service charges on deposit accounts 85 82
Other service charges and fees 138 153
Insurance commissions 64 213
Gain on sale of government guaranteed loans 6 36
Non-qualified deferred compensation plan asset (losses) gains, net (13) 24
Other income (loss) 4 (3)
Total non-interest income 284 505
Non-interest Expenses    
Salaries and employee benefits 5,621 5,099
Occupancy expense of premises 406 407
Furniture and equipment expenses 346 316
Other operating expenses 2,550 2,426
Total non-interest expenses 8,923 8,248
Income before income taxes 7,847 6,184
Income Tax Expense 1,746 1,374
Net income $ 6,101 $ 4,810
Earnings per share, basic (in dollars per share) $ 0.43 $ 0.34
Earnings per share, diluted (in dollars per share) $ 0.43 $ 0.34