v3.26.1
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
INTEREST AND DIVIDEND INCOME    
Loans, Including Fees $ 15,957 $ 14,528
Investment Securities:    
Taxable 2,999 2,777
Tax-Exempt 416 0
Dividends 7 28
Other Interest and Dividend Income 272 514
TOTAL INTEREST AND DIVIDEND INCOME 19,651 17,847
INTEREST EXPENSE    
Deposits 5,232 6,111
Short-Term Borrowings 188 23
Other Borrowings 359 402
TOTAL INTEREST EXPENSE 5,779 6,536
NET INTEREST AND DIVIDEND INCOME 13,872 11,311
NET INTEREST AND DIVIDEND INCOME AFTER NET PROVISION (RECOVERY) FOR CREDIT LOSSES 13,631 11,351
NONINTEREST INCOME    
Net Gain on Sale of Loans 11 22
Net Gain (Loss) on Investment Securities 8 (69)
Net Gain on Purchased Tax Credits 10 4
Income from Bank-Owned Life Insurance 152 149
Other Income 151 155
TOTAL NONINTEREST INCOME 962 787
NONINTEREST EXPENSE    
Salaries and Employee Benefits 5,997 6,036
Occupancy 656 750
Equipment 349 330
Data Processing 942 797
Federal Deposit Insurance Corporation Assessment 173 176
Pennsylvania Shares Tax 286 257
Contracted Services 405 310
Legal and Professional Fees 221 262
Advertising 142 119
Other Expense 841 765
TOTAL NONINTEREST EXPENSE 10,012 9,802
Income Before Income Tax Expense 4,581 2,336
Income Tax Expense 714 427
Net Income $ 3,867 $ 1,909
EARNINGS PER SHARE    
Basic (in dollars per share) $ 0.77 $ 0.37
Diluted (in dollars per share) $ 0.73 $ 0.35
WEIGHTED AVERAGE SHARES OUTSTANDING    
Basic (in shares) 5,053,586 5,125,577
Diluted (in shares) 5,318,874 5,471,006
Service Fees    
NONINTEREST INCOME    
Revenue from contract with customer, excluding assessed tax $ 554 $ 462
Other Commissions    
NONINTEREST INCOME    
Revenue from contract with customer, excluding assessed tax 76 64
Loans    
INTEREST EXPENSE    
(Recovery) Provision for Credit Losses - Loans 228 68
Unfunded Commitments    
INTEREST EXPENSE    
(Recovery) Provision for Credit Losses - Loans $ 13 $ (108)