v3.26.1
CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
OPERATING ACTIVITIES    
Net Income $ 8,168 $ 5,858
Adjustments to Reconcile Net Income to Net Cash Provided By Operating Activities    
Net Accretion on Securities (560) (78)
Depreciation and Amortization 1,131 894
Net Loss on Sale of Equity Securities 0 13
Net Unrealized Loss Recognized on Equity Securities 10 56
Gain on Purchased Tax Credits (21) (7)
Income from Bank-Owned Life Insurance (315) (297)
Proceeds From Mortgage Loans Sold 1,687 3,856
Originations of Mortgage Loans for Sale (1,631) (3,822)
Net Gain on Sale of Loans (56) (49)
Noncash Expense for Stock-Based Compensation 474 416
Decrease (Increase) in Accrued Interest Receivable 64 (233)
(Benefit) Provision in Deferred Income Tax (405) 843
Increase in Taxes Payable 644 780
Decrease in Accrued Interest Payable (455) (779)
Other, Net 1,449 740
Net Cash Provided by Operating Activities 10,443 8,159
Investment Securities Available for Sale:    
Proceeds From Principal Repayments and Maturities 37,863 19,659
Purchases of Securities (84,874) (22,637)
Proceeds from Sale of Equity Securities 0 1,680
Net Increase in Loans (17,511) (8,968)
Purchase of Premises and Equipment (268) (358)
Investment in Low Income Housing Tax Credit (1,080) (354)
Investment in Historical Tax Credit (217) 0
Purchase of Restricted Equity Securities (6,618) 0
Redemption of Restricted Equity Securities 3,989 47
Net Cash Used in Investing Activities (68,716) (10,931)
FINANCING ACTIVITIES    
Net Increase in Deposits 40,255 25,915
Net Increase in Short-Term Borrowings 65,000 0
Principal Payments on Other Borrowed Funds 0 (20,000)
Proceeds From Other Borrowed Funds 0 20,000
Cash Dividends Paid (2,830) (2,536)
Treasury Stock, Purchases at Cost (306) (6,819)
Exercise of Stock Options 551 1,146
Net Cash Provided by Financing Activities 102,670 17,706
Increase in Cash and Due from Banks 44,397 14,934
CASH AND DUE FROM BANKS AT BEGINNING OF YEAR 31,693 49,572
CASH AND DUE FROM BANKS AT END OF PERIOD 76,090 64,506
Cash Paid For:    
Interest on Deposits and Borrowings (Including Interest Credited to Deposits of $11,639 and $12,605, Respectively) 12,606 13,537
Income Taxes 640 1,150
SUPPLEMENTAL NONCASH DISCLOSURE:    
Transfer of Loans from Loans Held for Sale to Portfolio 0 403
Other Real Estate Acquired in Settlement of Loans 0 158
Syndicated Loans Purchased and Sold Not Settled, net 0 9,000
Right of Use Asset Recognized 552 0
Unfunded Commitment in Low Income Housing Tax Credit 2,958 4,641
Unfunded Commitment in Historical Tax Credits 555 0
Loans    
Adjustments to Reconcile Net Income to Net Cash Provided By Operating Activities    
Recovery/Provision for Credit Losses 385 (68)
Unfunded Commitments    
Adjustments to Reconcile Net Income to Net Cash Provided By Operating Activities    
Recovery/Provision for Credit Losses $ (126) $ 36