v3.26.1
Consolidated Statements Of Income - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Interest and dividend income    
Loans and leases, including fees $ 25,809 $ 26,815
Securities 187 139
FHLB and FRB stock dividends 142 174
Federal funds sold and other 1,992 2,072
Total interest and dividend income 28,130 29,200
Interest expense    
Deposits 13,484 15,253
FHLB advances and other debt 1,026 714
Subordinated debentures 300 324
Total interest expense 14,810 16,291
Net interest income 13,320 12,909
Provision for credit losses    
Provision for credit losses-loans 979 352
Provision for (recovery of) credit losses-unfunded commitments (375) 230
Total provision for credit losses 604 582
Net interest income after provision for credit losses 12,716 12,327
Noninterest income    
Service charges on deposit accounts 839 667
Net gains on sales of residential mortgage loans 145 114
Net loss on sales of commercial loans (0) (18)
Net loss on sale of equity security   (103)
Swap fee income 30  
Earnings on bank owned life insurance 245 225
Other 228 321
Total noninterest income 1,487 1,206
Noninterest expense    
Salaries and employee benefits 4,328 4,183
Occupancy and equipment 427 434
Data processing 769 674
Franchise and other taxes 386 303
Professional fees 819 787
Director fees 167 177
Postage, printing and supplies 48 49
Advertising and marketing 336 44
Telephone 45 55
Loan expenses 198 325
Foreclosed assets, net 4 1
Depreciation 123 118
FDIC premiums 385 546
Regulatory assessment 45 65
Other insurance 50 46
Other 181 147
Total noninterest expense 8,311 7,954
Income before incomes taxes 5,892 5,579
Income tax expense 868 1,149
Net income 5,024 4,430
Earnings allocated to participating securities (Series D preferred stock) (155) (136)
Net income attributable to common stockholders $ 4,869 $ 4,294
Earnings per common share:    
Basic $ 0.77 $ 0.68
Diluted $ 0.77 $ 0.68