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Consolidated Condensed Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
INTEREST INCOME:    
Interest and fees on loans $ 23,181 $ 22,682
With a readily determinable fair value 10 9
Without a readily determinable fair value 29 31
Taxable 1,256 1,232
Non-taxable 146 143
Other investments 694 661
TOTAL INTEREST INCOME 25,316 24,758
INTEREST EXPENSE:    
Interest on deposits 7,559 8,190
Interest on short-term borrowings 1 935
Interest on long-term debt 1,457 1,738
TOTAL INTEREST EXPENSE 9,017 10,863
NET INTEREST INCOME 16,299 13,895
PROVISION FOR CREDIT LOSSES 197 125
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 16,102 13,770
NON-INTEREST INCOME:    
Net losses from sales of debt securities, available-for-sale 0 (214)
Bank-owned life insurance income 346 318
Net gains from sales of loans 841 522
Other operating income (loss) 105 (54)
TOTAL NON-INTEREST INCOME 5,222 3,929
NON-INTEREST EXPENSE:    
Salaries and employee benefits 9,172 8,554
Equipment expenses 382 390
Occupancy expense, net 1,010 1,005
State financial institutions tax 453 428
Marketing 315 174
Amortization of intangibles 297 236
FDIC insurance premiums, net 410 504
Contracted services 870 784
Merger-related expenses 0 775
Other non-interest expense 2,900 2,622
TOTAL NON-INTEREST EXPENSE 15,809 15,472
INCOME BEFORE INCOME TAXES 5,515 2,227
Income Tax Expense (Benefit) 906 312
NET INCOME $ 4,609 $ 1,915
Earnings per common share:    
Basic (in dollars per share) $ 0.33 $ 0.15
Diluted (in dollars per share) $ 0.33 $ 0.15
Weighted average common shares outstanding:    
Basic (in shares) 14,051,310 13,112,302
Diluted (in shares) 14,051,310 13,112,302
Fiduciary and Trust [Member]    
NON-INTEREST INCOME:    
Revenue $ 2,164 $ 1,973
Deposit Account [Member]    
NON-INTEREST INCOME:    
Revenue $ 1,766 $ 1,384