v3.26.1
Consolidated Statements Of Income - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Interest and dividend income        
Loans and leases, including fees $ 27,510 $ 27,907 $ 53,319 $ 54,722
Securities 175 40 362 179
FHLB and FRB stock dividends 141 153 283 327
Federal funds sold and other 2,196 2,259 4,188 4,331
Total interest and dividend income 30,022 30,359 58,152 59,559
Interest expense        
Deposits 13,812 15,186 27,296 30,439
FHLB advances and other debt 1,063 846 2,089 1,560
Subordinated debentures 303 326 603 650
Total interest expense 15,178 16,358 29,988 32,649
Net interest income 14,844 14,001 28,164 26,910
Provision for credit losses        
Provision for credit losses-loans 689 1,370 1,668 1,722
Provision for (recovery of) credit losses-unfunded commitments 255 57 (120) 287
Total provision for credit losses 944 1,427 1,548 2,009
Net interest income after provision for credit losses 13,900 12,574 26,616 24,901
Noninterest income        
Service charges on deposit accounts 917 721 1,756 1,388
Net gains on sales of residential mortgage loans 150 206 295 320
Net loss on sales of commercial loans     (0) (18)
Net loss on sale of equity security       (103)
Swap fee income 214 196 244 196
Earnings on bank owned life insurance 252 232 497 457
Other 168 225 396 546
Total noninterest income 1,701 1,580 3,188 2,786
Noninterest expense        
Salaries and employee benefits 4,325 3,954 8,653 8,137
Occupancy and equipment 398 417 825 851
Data processing 776 683 1,545 1,357
Franchise and other taxes 385 304 771 607
Professional fees 849 899 1,668 1,686
Director fees 193 180 360 357
Postage, printing and supplies 34 46 82 95
Advertising and marketing 127 84 463 128
Telephone 44 43 89 98
Loan expenses 206 196 404 521
Foreclosed assets, net 1 3 5 4
Depreciation 118 118 241 236
FDIC premiums 436 534 821 1,080
Regulatory assessment 45 64 90 129
Other insurance 57 50 107 96
Other 344 179 525 326
Total noninterest expense 8,338 7,754 16,649 15,708
Income before incomes taxes 7,263 6,400 13,155 11,979
Income tax expense 1,351 1,365 2,219 2,514
Net income 5,912 5,035 10,936 9,465
Earnings allocated to participating securities (Series D preferred stock) (181) (155) (337) (292)
Net income attributable to common stockholders $ 5,731 $ 4,880 $ 10,599 $ 9,173
Earnings per common share:        
Basic $ 0.91 $ 0.77 $ 1.68 $ 1.46
Diluted $ 0.9 $ 0.77 $ 1.67 $ 1.45