v3.26.1
Condensed 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 income:        
Loans, including fees $ 19,357 $ 18,441 $ 38,569 $ 36,380
Debt securities:        
Taxable 739 649 1,452 1,231
Tax-exempt 381 379 775 750
Mortgage loans held for sale, including fees 320 350 584 639
Dividends 66 63 157 147
Other 368 226 664 491
Total interest income 21,231 20,108 42,201 39,638
Interest expense:        
Deposits 6,345 6,959 12,885 14,091
Federal Home Loan Bank advances and other borrowings 570 725 1,165 1,307
Securities sold under agreements to repurchase 152 180 303 358
Total interest expense 7,067 7,864 14,353 15,756
Net interest income 14,164 12,244 27,848 23,882
Credit loss (recovery) of credit loss expense on loans (100) 103 (196) 334
Credit loss (recovery) of credit loss expense on off-balance sheet credit exposures 1,183 (216) 974 54
Net interest income after credit loss expense (recovery) 13,081 12,357 27,070 23,494
Non-interest income:        
Trust department 57 65 93 102
Customer-service fees 307 319 620 624
Mortgage banking 2,700 3,310 5,235 5,488
Insurance services 355 319 827 728
Other 984 645 1,740 1,312
Total non-interest income 4,403 4,658 8,515 8,254
Non-interest expenses:        
Salaries and employee benefits 8,041 7,906 16,044 15,458
Occupancy 706 666 1,382 1,335
Furniture and equipment 251 292 536 575
Other 2,844 3,358 5,877 6,154
Total non-interest expenses 11,842 12,222 23,839 23,522
Income before income taxes 5,642 4,793 11,746 8,226
Income tax expense 1,525 1,286 3,157 2,165
Net income $ 4,117 $ 3,507 $ 8,589 $ 6,061
Earnings per common share:        
Basic $ 1.73 $ 1.47 $ 3.61 $ 2.54
Diluted $ 1.67 $ 1.46 $ 3.53 $ 2.52