v3.26.1
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)
$ in Thousands
Jun. 30, 2026
Dec. 31, 2025
Cash and Due From Banks:    
Interest-Earning $ 62,881 $ 18,374
Noninterest-Earning 13,209 13,319
Total Cash and Due From Banks 76,090 31,693
Securities:    
Available-for-Sale Debt Securities, at Fair Value 324,655 278,986
Equity Securities, at Fair Value 899 909
Total Securities 325,554 279,895
Loans, Net of Allowance for Credit Losses of $10,451 and $10,116 at June 30, 2026 and December 31, 2025, Respectively 1,169,270 1,152,144
Premises and Equipment, Net 19,069 19,646
Bank-Owned Life Insurance 25,127 24,812
Goodwill 9,732 9,732
Accrued Interest Receivable and Other Assets 31,578 29,771
TOTAL ASSETS 1,656,420 1,547,693
Deposits:    
Noninterest-Bearing Demand Accounts 286,623 291,745
Interest-Bearing Demand Accounts 460,197 357,134
Money Market Accounts 220,812 209,166
Savings Accounts 168,948 169,307
Time Deposits 209,847 213,953
Brokered Deposits 33,633 98,500
Total Deposits 1,380,060 1,339,805
Short-Term Borrowings 65,000 0
Other Borrowings 34,778 34,758
Accrued Interest Payable and Other Liabilities 14,485 15,593
TOTAL LIABILITIES 1,494,323 1,390,156
STOCKHOLDERS' EQUITY    
Common Stock, $0.4167 Par Value; 35,000,000 Shares Authorized, 5,877,305 Shares Issued and 5,080,438 Shares Outstanding at June 30, 2026, with 5,835,325 and 5,036,509 Shares Issued and Outstanding at December 31, 2025. 2,449 2,432
Capital Surplus 88,385 87,644
Retained Earnings 95,963 90,625
Treasury Stock, at Cost (796,867 and 798,816 Shares at June 30, 2026 and December 31, 2025, Respectively) (19,791) (19,752)
Accumulated Other Comprehensive Loss (4,909) (3,412)
TOTAL STOCKHOLDERS' EQUITY 162,097 157,537
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 1,656,420 $ 1,547,693