v3.26.1
Consolidated Statements of Operations - USD ($)
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Interest income:        
Interest and fees on loans $ 4,172,000 $ 3,635,000 $ 8,381,000 $ 7,031,000
Interest and dividends on securities:        
U. S. Treasuries 1,097,000 1,599,000 2,031,000 2,950,000
Mortgage-backed securities 355,000 399,000 693,000 944,000
States and political subdivisions 845,000 911,000 1,762,000 1,892,000
Collateralized mortgage obligations 390,000 552,000 837,000 1,093,000
Other investments 11,000 6,000 23,000 13,000
Interest on balances due from depository institutions 67,000 362,000 821,000 1,100,000
Total interest income 6,937,000 7,464,000 14,548,000 15,023,000
Interest expense:        
Deposits 1,913,000 1,982,000 3,751,000 3,873,000
Borrowings 105,000 10,000 111,000 10,000
Total interest expense 2,018,000 1,992,000 3,862,000 3,883,000
Net interest income 4,919,000 5,472,000 10,686,000 11,140,000
Reduction of credit losses (6,000)   (14,000) (5,000)
Net interest income after provision for credit losses 4,925,000 5,472,000 10,700,000 11,145,000
Non-interest income:        
Increase in cash surrender value of life insurance 130,000 122,000 259,000 242,000
Gain (loss) on sale of property, plant and equipment, net 41,000   41,000  
Other income 219,000 214,000 467,000 401,000
Total non-interest income 1,887,000 1,777,000 3,668,000 3,480,000
Non-interest expense:        
Salaries and employee benefits 2,795,000 2,729,000 5,460,000 5,445,000
Net occupancy 558,000 564,000 1,112,000 1,127,000
Equipment rentals, depreciation and maintenance 777,000 692,000 1,496,000 1,475,000
FDIC and state banking assessments 97,000 105,000 195,000 201,000
Data processing 354,000 376,000 656,000 690,000
ATM expense 213,000 246,000 584,000 537,000
Legal expense   109,000 94,000 173,000
Legal expense (reclass) 28,000      
Other expense 976,000 941,000 1,909,000 1,805,000
Total non-interest expense 5,798,000 5,762,000 11,506,000 11,453,000
Income before income taxes 1,014,000 1,487,000 2,862,000 3,172,000
Income tax expense 117,000 245,000 519,000 620,000
Net income $ 897,000 $ 1,242,000 $ 2,343,000 $ 2,552,000
Basic earnings per share (in dollars per share) $ 0.19 $ 0.27 $ 0.51 $ 0.55
Diluted earnings per share (in dollars per share)     0.19 0.27
Dividends declared per share (in dollars per share) $ 0.18 $ 0.18 $ 0.18 $ 0.18
Trust department income and fees        
Non-interest income:        
Revenue $ 702,000 $ 624,000 $ 1,342,000 $ 1,250,000
Service charges on deposit accounts        
Non-interest income:        
Revenue $ 795,000 $ 817,000 $ 1,559,000 $ 1,587,000