v3.26.1
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - 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 $ 19,998 $ 17,984 $ 39,402 $ 34,679
Securities        
Taxable 2,398 2,295 4,773 4,450
Tax exempt 26 28 52 56
Dividends 90 93 178 189
Interest-bearing deposits with banks 966 639 1,548 1,465
Total interest and dividend income 23,478 21,039 45,953 40,839
Interest expense:        
Deposits 7,533 5,988 14,564 12,121
Other borrowed funds 426 382 862 775
Subordinated debentures 121 134 241 268
Total interest expense 8,080 6,504 15,667 13,164
Net interest income 15,398 14,535 30,286 27,675
Provision for (recovery of) credit losses 3,755 1,148 5,377 1,564
Net interest income after provision for credit losses 11,643 13,387 24,909 26,111
Noninterest income:        
Service charges on deposit accounts 774 723 1,519 1,443
Trust fees 89 100 181 203
Income from bank owned life insurance and annuity assets 242 243 620 483
Mortgage banking income 38 40 75 77
Electronic refund check / deposit fees 0 135 0 675
Debit / credit card interchange income 1,349 1,279 2,584 2,428
Unrealized gains on equity securities 377 0 377 0
Tax preparation fees 42 38 650 634
Other 275 290 468 551
Total noninterest income 3,186 2,848 6,474 6,494
Noninterest expense:        
Salaries and employee benefits 6,553 6,194 12,900 12,206
Occupancy 541 493 1,065 1,014
Furniture and equipment 338 338 656 688
Professional fees 466 500 939 1,000
Marketing expense 305 279 585 558
FDIC insurance 241 164 482 347
Data processing 364 969 1,275 1,894
Software 661 587 1,334 1,128
Other 1,776 1,525 3,310 3,032
Total noninterest expense 11,245 11,049 22,546 21,867
Income before income taxes 3,584 5,186 8,837 10,738
Provision for income taxes 657 976 1,613 2,122
NET INCOME $ 2,927 $ 4,210 $ 7,224 $ 8,616
Earnings per share (in Dollars per share) $ 0.62 $ 0.89 $ 1.53 $ 1.83