v3.26.1
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)
$ in Thousands
Mar. 31, 2026
Dec. 31, 2025
Cash and Due From Banks:    
Interest-Earning $ 42,849 $ 18,374
Noninterest-Earning 12,700 13,319
Total Cash and Due From Banks 55,549 31,693
Securities:    
Available-for-Sale Debt Securities, at Fair Value 294,535 278,986
Equity Securities, at Fair Value 917 909
Total Securities 295,452 279,895
Loans, Net of Allowance for Credit Losses of $10,303 and $10,116 at March 31, 2026 and December 31, 2025, Respectively 1,147,534 1,152,144
Premises and Equipment, Net 19,428 19,646
Bank-Owned Life Insurance 24,964 24,812
Goodwill 9,732 9,732
Accrued Interest Receivable and Other Assets 30,633 29,771
TOTAL ASSETS 1,583,292 1,547,693
Deposits:    
Noninterest-Bearing Demand Accounts 301,053 291,745
Interest-Bearing Demand Accounts 384,599 357,134
Money Market Accounts 209,258 209,166
Savings Accounts 172,172 169,307
Time Deposits 308,355 312,453
Total Deposits 1,375,437 1,339,805
Other Borrowings 34,768 34,758
Accrued Interest Payable and Other Liabilities 14,336 15,593
TOTAL LIABILITIES 1,424,541 1,390,156
STOCKHOLDERS' EQUITY    
Common Stock, $0.4167 Par Value; 35,000,000 Shares Authorized, 5,876,197 Shares Issued and 5,072,183 Shares Outstanding at March 31, 2026, with 5,835,325 and 5,036,509 Shares Issued and Outstanding at December 31, 2025. 2,449 2,432
Capital Surplus 88,083 87,644
Retained Earnings 93,081 90,625
Treasury Stock, at Cost (804,014 and 798,816 Shares at March 31, 2026 and December 31, 2025, Respectively) (19,947) (19,752)
Accumulated Other Comprehensive Loss (4,915) (3,412)
TOTAL STOCKHOLDERS' EQUITY 158,751 157,537
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 1,583,292 $ 1,547,693