v3.26.1
CONSOLIDATED BALANCE SHEETS - USD ($)
Jun. 30, 2026
Dec. 31, 2025
ASSETS    
Cash and due from banks $ 9,004,000 $ 8,755,000
Interest-bearing deposits in other banks 178,957,000 112,494,000
Total cash and cash equivalents 187,961,000 121,249,000
Debt securities available-for-sale, at fair value 369,084,000 394,226,000
Marketable equity securities, at fair value 2,358,000 1,810,000
Restricted investment in bank stocks, at cost 8,979,000 8,944,000
Loans held for investment 948,848,000 947,285,000
Loans held for sale 1,483,000 1,140,000
Allowance for credit losses (8,779,000) (9,412,000)
Net loans 941,552,000 939,013,000
Premises and equipment, net 19,028,000 19,377,000
Operating lease right-of-use assets 1,304,000 1,326,000
Accrued interest receivable 4,664,000 4,997,000
Cash surrender value of bank owned life insurance 26,706,000 26,362,000
Investments in low-income housing partnerships 3,924,000 4,333,000
Deferred income taxes 5,750,000 6,463,000
Other assets 3,005,000 2,877,000
TOTAL ASSETS 1,574,315,000 1,530,977,000
LIABILITIES    
Non-interest bearing 230,888,000 206,823,000
Interest bearing 949,022,000 930,614,000
Total deposits 1,179,910,000 1,137,437,000
Short-term borrowings 135,604,000 136,845,000
Long-term borrowings 106,000,000 106,000,000
Subordinated debentures 25,000,000 25,000,000
Operating lease liabilities 1,847,000 1,862,000
Accrued interest payable 2,517,000 2,735,000
Other liabilities 4,981,000 8,038,000
TOTAL LIABILITIES 1,455,859,000 1,417,917,000
STOCKHOLDERS' EQUITY    
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares as of June 30, 2026 and December 31, 2025; issued 0 as of June 30, 2026 and December 31, 2025 0 0
Common stock, par value $2.00 per share; authorized 20,000,000 shares as of June 30, 2026 and December 31, 2025; issued 6,554,012 as of June 30, 2026 and 6,503,746 as of December 31, 2025; outstanding 6,322,401 as of June 30, 2026 and 6,272,135 as of December 31, 2025 13,108,000 13,007,000
Surplus 46,717,000 45,888,000
Retained earnings 81,544,000 79,327,000
Accumulated other comprehensive loss (17,204,000) (19,453,000)
Treasury stock, at cost, 231,611 shares as of June 30, 2026 and December 31, 2025 (5,709,000) (5,709,000)
TOTAL STOCKHOLDERS' EQUITY 118,456,000 113,060,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 1,574,315,000 $ 1,530,977,000