v3.26.1
Consolidated Balance Sheets - USD ($)
$ in Thousands
Jun. 30, 2026
Dec. 31, 2025
Assets    
Cash and due from banks $ 8,854 $ 8,419
Interest-bearing deposits 45,709 50,831
Total cash and cash equivalents 54,563 59,250
Securities available for sale, at fair value 652,660 654,377
Mortgage loans held for sale 331 0
Loans:    
Total loans 1,015,412 999,926
Less deferred fees and costs (758) (616)
Loans, net of deferred fees and costs 1,014,654 999,310
Less: allowance for credit losses on loans (10,047) (9,892)
Loans, net 1,004,607 989,418
Premises and equipment, net 18,269 18,479
Accrued interest receivable 7,029 6,538
Goodwill 10,718 10,718
Core deposit intangible, net 1,319 1,490
Bank-owned life insurance ("BOLI") 49,174 48,568
Other assets 34,030 35,668
Total assets 1,832,700 1,824,506
Liabilities and Stockholders' Equity    
Noninterest-bearing demand deposits 313,453 313,022
Interest-bearing demand deposits 861,560 853,756
Savings deposits 139,593 142,645
Time deposits 314,850 317,510
Total deposits 1,629,456 1,626,933
Accrued interest payable 1,439 1,581
Other liabilities 9,574 11,084
Total liabilities 1,640,469 1,639,598
Commitments and contingencies
Stockholders' Equity    
Preferred stock, no par value, 5,000,000 shares authorized; none issued and outstanding
Common stock of $1.25 par value and additional paid in capital. Authorized 10,000,000 shares; issued and outstanding 6,370,620 (including 4,619 unvested) shares as of June 30, 2026 and 6,368,410 (including 5,039 unvested) shares as of December 31, 2025 22,149 22,024
Retained earnings 207,789 202,558
Accumulated other comprehensive loss, net (37,707) (39,674)
Total stockholders' equity 192,231 184,908
Total liabilities and stockholders' equity 1,832,700 1,824,506
Real Estate Construction Portfolio Segment [Member]    
Loans:    
Total loans 72,220 40,694
Less: allowance for credit losses on loans (671) (337)
Consumer Real Estate Portfolio Segment [Member]    
Loans:    
Total loans 330,204 328,653
Less: allowance for credit losses on loans (3,816) (3,823)
Commercial Real Estate Portfolio Segment [Member]    
Loans:    
Total loans 456,181 467,783
Less: allowance for credit losses on loans (3,834) (3,805)
Commercial Non Real Estate Segment [Member]    
Loans:    
Total loans 49,616 52,018
Less: allowance for credit losses on loans (674) (849)
Public Sector and IDA Portfolio Segment [Member]    
Loans:    
Total loans 62,124 63,677
Less: allowance for credit losses on loans (325) (308)
Consumer Non Real Estate Portfolio Segment [Member]    
Loans:    
Total loans 45,067 47,101
Less: allowance for credit losses on loans $ (727) $ (770)