v3.26.1
Consolidated Statements of Operations - 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, Including Fees $ 4,619 $ 4,205 $ 9,052 $ 8,220
Investment Securities 1,026 1,018 2,067 1,919
Other Interest-Earning Assets 151 257 332 550
Total Interest and Dividend Income 5,796 5,480 11,451 10,689
Interest Expense        
Deposits 2,080 2,332 4,183 4,604
Total Interest Expense 2,080 2,332 4,183 4,604
Net Interest Income 3,716 3,148 7,268 6,085
Net Interest Income After Provision for Credit Losses 3,716 3,148 7,268 6,085
Non-Interest Income        
Bank Owned Life Insurance 74 100 143 176
Gain on Sale of Real Estate Owned 2 1 2 14
Gain on Insurance Proceeds   3,469   3,469
Other 10 10 21 23
Total Non-Interest Income 239 3,719 470 3,981
Non-Interest Expense        
Salaries and Employee Benefits 2,065 2,536 3,978 4,358
Occupancy and Equipment 493 474 996 954
Federal Deposit Insurance 53 53 107 106
Directors 67 64 133 136
Professional and Legal 82 76 186 136
Audit and Examination 81 84 160 169
Data Processing 356 320 699 638
Advertising 47 25 85 44
Charitable Contributions 4 8 8 15
Other 222 192 411 377
Total Non-Interest Expense 3,470 3,832 6,763 6,933
Income Before Income Taxes 485 3,035 975 3,133
Income Tax Expense (Benefit) 101 (91) 204 (71)
Net Income $ 384 $ 3,126 $ 771 $ 3,204
Income per Share - Basic (in dollars per share) $ 0.08 $ 0.61 $ 0.16 $ 0.62
Income per Share - Diluted (in dollars per share) $ 0.08 $ 0.61 $ 0.16 $ 0.62
Deposit Service Charges and Fees        
Non-Interest Income        
Non-Interest Income (In-Scope of Topic 606) $ 53 $ 52 $ 107 $ 103
ATM and Check Card Fees        
Non-Interest Income        
Non-Interest Income (In-Scope of Topic 606) $ 100 $ 87 $ 197 $ 196