v3.26.1
Consolidated Statements of Financial Condition - USD ($)
$ in Thousands
Jun. 30, 2026
Dec. 31, 2025
ASSETS    
Cash and due from banks $ 5,750 $ 5,719
Interest bearing deposits with banks 8,256 5,729
Cash and cash equivalents 14,006 11,448
Equity securities 1,551 1,273
Debt securities available for sale 46,455 55,600
Debt securities held to maturity (fair value $172,623 and $179,984, respectively) 177,707 182,205
Restricted investment in bank stock 2,560 2,522
Total loans 636,234 601,378
Less: Allowance for credit losses (7,629) (7,083)
Total loans, net of allowance for credit losses 628,605 594,295
Premises and equipment, net 9,551 9,256
Bank owned life insurance and annuities 16,087 15,947
Investment in low-income housing partnerships 349 510
Core deposit and other intangible assets 163 190
Goodwill 9,812 9,812
Deferred tax asset, net 7,471 8,198
Accrued interest receivable and other assets 4,596 4,007
Total assets 918,913 895,263
Liabilities:    
Non-interest bearing 210,448 209,865
Interest bearing 595,272 571,934
Total deposits 805,720 781,799
Short-term borrowings and repurchase agreements 43,822 49,906
Other interest bearing liabilities 660 720
Accrued interest payable and other liabilities 6,038 5,465
Total liabilities 856,240 837,890
Commitments and contingent liabilities
Stockholders' Equity:    
Preferred stock, no par value: Authorized - 500,000 shares, none issued 0 0
Common stock, par value $1.00 per share: Authorized 20,000,000 shares; Issued - 5,151,279 shares at June 30, 2026 and December 31, 2025; Outstanding - 5,034,291 shares at June 30, 2026 and 5,018,799 shares at December 31, 2025 5,151 5,151
Surplus 24,659 24,820
Retained earnings 59,804 56,696
Accumulated other comprehensive loss (25,054) (27,154)
Cost of common stock in Treasury: 116,988 shares at June 30, 2026; 132,480 shares at December 31, 2025 (1,887) (2,140)
Total stockholders' equity 62,673 57,373
Total liabilities and stockholders' equity $ 918,913 $ 895,263