For the three months ended,

For the six months ended,

(In thousands)

June 30, 2026

June 30, 2025

June 30, 2026

June 30, 2025

Service charges on deposit accounts

Insufficient funds fees

$

218

$

214

$

433

$

422

Deposit related fees

133

144

272

292

ATM fees

30

22

52

40

Total service charges on deposit accounts

381

380

757

754

Fee Income

Investment services revenue

-

37

-

138

ATM fees surcharge

68

66

128

139

Banking house rents collected

111

92

223

153

    Total fee income

179

195

351

430

Card income

Debit card interchange fees

188

180

327

181

Merchant card fees

14

15

28

26

    Total card income

202

195

355

207

Mortgage fee income and realized gains on sales of loans
  and foreclosed real estate

Loan servicing fees

68

97

157

198

Net gains on sales of loans and foreclosed real estate

95

83

281

148

Total mortgage fee income and realized gains on
   sale of loans and foreclosed real estate

163

180

438

346

Subtotal

925

950

1,901

1,737

Earnings and gains on bank owned life insurance

330

156

586

318

Net losses on sales and redemptions of investment securities

-

-

(5

)

(8

)

Net unrealized (losses) gains on marketable equity securities

(53

)

420

23

638

Fair value adjustment to loans held-for-sale

-

(3,064

)

(203

)

(3,064

)

Other miscellaneous income

22

20

49

58

Total noninterest income (loss)

$

1,224

$

(1,518

)

$

2,351

$

(321

)