v3.26.1
Condensed Consolidated Statements of Income (Unaudited) - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Loans        
Taxable $ 17,498 $ 16,059 $ 34,744 $ 31,303
Tax exempt 98 116 197 231
Securities        
Taxable 1,006 1,133 2,035 2,302
Tax exempt 36 35 72 73
Other interest income 1,182 1,124 2,079 1,930
Total interest income 19,820 18,467 39,127 35,839
Interest Expense        
Deposits 6,237 5,597 12,194 10,949
Repurchase agreements & other 7 21 21 45
Federal Home Loan Bank advance expense 234 366 519 728
Trust preferred securities expense 145 161 289 321
Subordinated debt expense 243 194 438 389
Total interest expense 6,866 6,339 13,461 12,432
Net Interest Income 12,954 12,128 25,666 23,407
Provision for credit losses - loans 200 300 500 674
Provision for unfunded commitments 99 297 13 310
Total provision for credit losses 299 597 513 984
Net interest income after provision for credit losses 12,655 11,531 25,153 22,423
Noninterest Income        
Wealth management fees 955 859 1,896 1,723
Customer service fees 917 886 1,827 1,765
Gain on sale of mortgage loans & OMSR 1,541 1,566 2,519 2,415
Mortgage loan servicing fees, net 383 594 1,234 1,205
Gain on sale of non-mortgage loans 62 82 206 97
Title insurance income 577 582 1,062 979
Loss on sale of assets (9) (1)  
Other income 561 479 956 971
Total noninterest income 4,987 5,048 9,699 9,155
Noninterest Expense        
Salaries and employee benefits 7,005 6,595 13,101 12,832
Net occupancy expense 802 793 1,684 1,686
Equipment expense 1,226 1,121 2,470 2,193
Data processing fees 693 888 1,419 2,327
Professional fees 844 892 1,860 1,926
Marketing expense 255 190 532 355
Telephone and communications 126 125 244 264
Postage and delivery expense 146 107 333 244
State, local and other taxes 221 268 509 492
Employee expense 177 176 361 350
Other expense 642 697 1,553 1,593
Total noninterest expense 12,137 11,852 24,066 24,262
Income before income tax 5,505 4,727 10,786 7,316
Provision for income taxes 1,008 875 1,993 1,306
Net Income $ 4,497 $ 3,852 $ 8,793 $ 6,010
Basic earnings per common share (in Dollars per share) $ 0.72 $ 0.6 $ 1.41 $ 0.93
Diluted earnings per common share (in Dollars per share) $ 0.72 $ 0.6 $ 1.41 $ 0.93
Average common shares outstanding (in thousands):        
Basic: (in Shares) 6,205 6,448 6,218 6,464
Diluted: (in Shares) 6,220 6,459 6,233 6,483