LOANS (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Schedule of loans receivable outstanding

	December 31,
(Dollars are in thousands)	2024		2023
Real estate secured:
Commercial	$	243,646	$	240,187
Construction and land development		36,112		28,830
Residential 1-4 family		234,860		238,233
Multifamily		32,379		34,571
Farmland		16,921		16,401
Total real estate loans		563,918		558,222
Commercial		60,587		53,230
Agriculture		4,025		3,508
Consumer installment loans and all other loans		29,006		23,151
Total loans	$	657,536	$	638,111

Schedule of loans receivable nonaccrual status

				December 31, 2024						December 31, 2023
				With No Allowance		With an Allowance		Total		With No Allowance		With an Allowance		Total
(Dollars in thousands)
Real estate secured:
	Commercial		$	411	$	-	$	411	$	544	$	268	$	812
	Construction and land development			300		-		300		-		-		-
	Residential 1-4 family			2,232		178		2,410		2,495		-		2,495
	Multifamily			-		-		-		199		-		199
		Total real estate loans		2,943		178		3,121		3,238		268		3,506
Commercial				66		-		66		-		-		-
Agriculture				16		-		16		-		-		-
Consumer installment loans and other loans				56		14		70		28		-		28
Total loans receivable on nonaccrual status			$	3,081	$	192	$	3,273	$	3,266	$	268	$	3,534

Schedule of summary of impaired loans

		December 31, 2024				December 31, 2023
		Unpaid Principal Balance		Related Allowance		Unpaid Principal Balance		Related Allowance
(Dollars in thousands)
Real estate secured:
Commercial	$	396	$	-	$	812	$	64
Construction and land development		300		-		-		-
Residential 1-4 family		1,008		177		312		-
Total real estate loans		1,704		177		1,124		64
Consumer installment loans and other loans		13		3		-		-
Total	$	1,717	$	180	$	1,124	$	64

Schedule of analysis of past due loans receivable

As of December 31, 2024 (Dollars are in thousands)	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Loans
Real estate secured:
Commercial	$	—	$	255	$	156	$	411	$	243,235	$	243,646
Construction and land Development		3		333		—		336		35,776		36,112
Residential 1-4 family		2,413		1,810		510		4,733		230,127		234,860
Multifamily		—		—		—		—		32,379		32,379
Farmland		207		—		—		207		16,714		16,921
Total real estate loans		2,623		2,398		666		5,687		558,231		563,918
Commercial		166		77		—		243		60,344		60,587
Agriculture		37		—		—		37		3,988		4,025
Consumer installment loans and all other loans		89		88		30		207		28,799		29,006
Total loans	$	2,915	$	2,563	$	696	$	6,174	$	651,362	$	657,536

As of December 31, 2023 (Dollars are in thousands)	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Loans
Real estate secured:
Commercial	$	878	$	—	$	268	$	1,146	$	239,041	$	240,187
Construction and land development		85		4		—		89		28,741		28,830
Residential 1-4 family		2,628		1,119		886		4,633		233,600		238,233
Multifamily		—		—		199		199		34,372		34,571
Farmland		—		—		—		—		16,401		16,401
Total real estate loans		3,591		1,123		1,353		6,067		552,155		558,222
Commercial		—		20		—		20		53,210		53,230
Agriculture		8		—		—		8		3,500		3,508
Consumer installment loans and all other loans		140		11		1		152		22,999		23,151
Total loans	$	3,739	$	1,154	$	1,354	$	6,247	$	631,864	$	638,111

Schedule of credit risk grade of loans

As of December 31, 2024
(Dollars are in thousands)		2024		2023		2022		2021		2020		Prior		Revolving		Total
Commercial real estate
Pass	$	20,653	$	47,052	$	43,553	$	46,902	$	27,155	$	56,369	$	1,541	$	243,225
Special mention		-		-		-		-		-		9		-		9
Substandard		-		-		255		141		-		16		-		412
Total commercial real estate	$	20,653	$	47,052	$	43,808	$	47,043	$	27,155	$	56,394	$	1,541	$	243,646
Current period gross charge-offs	$	-	$	-	$	-	$	(179)	$	-	$	-	$	(1)	$	(180)
Construction and Land Development
Pass	$	17,654	$	5,078	$	6,240	$	3,019	$	1,719	$	2,089	$	-	$	35,799
Special mention		-		-		-		-		-		12		-		12
Substandard		301		-		-		-		-		-		-		301
Total construction and land development	$	17,955	$	5,078	$	6,240	$	3,019	$	1,719	$	2,101	$	-	$	36,112
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential 1-4 family
Pass	$	19,094	$	27,861	$	29,510	$	38,329	$	11,265	$	78,424	$	26,933	$	231,416
Special mention		-		-		-		-		-		319		-		319
Substandard		104		257		42		723		238		1,647		114		3,125
Total residential 1-4 family	$	19,198	$	28,118	$	29,552	$	39,052	$	11,503	$	80,390	$	27,047	$	234,860
Current period gross charge-offs	$	-	$	(38)	$	-	$	-	$	-	$	(37)	$	-	$	(75)
Multifamily
Pass	$	1,564	$	4,829	$	10,313	$	6,818	$	2,505	$	6,350	$	-	$	32,379
Special mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Total multifamily	$	1,564	$	4,829	$	10,313	$	6,818	$	2,505	$	6,350	$	-	$	32,379
Current period gross charge-offs	$	-	$	(53)	$	-	$	-	$	-	$	(42)	$	-	$	(95)
Farmland
Pass	$	2,669	$	1,333	$	2,045	$	2,812	$	730	$	7,186	$	-	$	16,775
Special mention		-		-		-		-		-		146		-		146
Substandard		-		-		-		-		-		-		-		-
Total farmland	$	2,669	$	1,333	$	2,045	$	2,812	$	730	$	7,332	$	-	$	16,921
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Commercial
Pass	$	18,298	$	13,490	$	4,780	$	2,305	$	801	$	2,560	$	18,284	$	60,518
Special mention		-		-		-		-		-		2		-		2
Substandard		1		-		-		31		-		-		35		67
Total commercial	$	18,299	$	13,490	$	4,780	$	2,336	$	801	$	2,562	$	18,319	$	60,587
Current period gross charge-offs	$	-	$	(34)	$	(55)	$	-	$	-	$	-	$	(73)	$	(162)
Agriculture
Pass	$	1,333	$	322	$	339	$	232	$	35	$	195	$	1,553	$	4,009
Special mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		16		-		16
Total agriculture	$	1,333	$	322	$	339	$	232	$	35	$	211	$	1,553	$	4,025
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Consumer and All Other
Pass	$	14,500	$	7,982	$	2,706	$	1,276	$	424	$	880	$	1,158	$	28,926
Special mention		-		-		-		-		-		-		-		-
Substandard		17		22		20		19		2		-		-		80
Total consumer and all other	$	14,517	$	8,004	$	2,726	$	1,295	$	426	$	880	$	1,158	$	29,006
Current period gross charge-offs	$	(163)	$	(62)	$	(14)	$	(7)	$	(9)	$	-	$	(24)	$	(279)
Total	$	96,188	$	108,226	$	99,803	$	102,607	$	44,874	$	156,220	$	49,618	$	657,536
Total current period gross charge-offs	$	(163)	$	(187)	$	(69)	$	(186)	$	(9)	$	(79)	$	(98)	$	(791)

As of December 31, 2023
(Dollars are in thousands)		2023		2022		2021		2020		2019		Prior		Revolving		Total
Commercial real estate
Pass	$	46,616	$	49,061	$	48,943	$	28,651	$	20,004	$	43,524	$	997	$	237,796
Special mention		-		-		1,171		314		-		92		-		1,577
Substandard		-		-		-		-		429		385		-		814
Total commercial real estate	$	46,616	$	49,061	$	50,114	$	28,965	$	20,433	$	44,001	$	997	$	240,187
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Construction and Land Development
Pass	$	12,043	$	5,990	$	4,738	$	2,521	$	1,799	$	1,637	$	-	$	28,728
Special mention		-		-		-		-		-		102		-		102
Substandard		-		-		-		-		-		-		-		-
Total construction and land development	$	12,043	$	5,990	$	4,738	$	2,521	$	1,799	$	1,739	$	-	$	28,830
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Residential 1-4 family
Pass	$	29,006	$	33,986	$	41,214	$	13,566	$	13,662	$	80,087	$	23,553	$	235,074
Special mention		-		-		-		-		-		259		-		259
Substandard		87		-		49		-		38		2,662		64		2,900
Total residential 1-4 family	$	29,093	$	33,986	$	41,263	$	13,566	$	13,700	$	83,008	$	23,617	$	238,233
Current period gross charge-offs	$	-	$	-	$	(30)	$	-	$	-	$	(21)	$	-	$	(51)
Multifamily
Pass	$	5,779	$	11,483	$	7,965	$	2,626	$	1,081	$	5,438	$	-	$	34,372
Special mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		199		-		199
Total multifamily	$	5,779	$	11,483	$	7,965	$	2,626	$	1,081	$	5,637	$	-	$	34,571
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Farmland
Pass	$	1,807	$	2,222	$	3,414	$	776	$	1,205	$	6,793	$	-	$	16,217
Special mention		-		-		-		-		-		184		-		184
Substandard		-		-		-		-		-		-		-		-
Total farmland	$	1,807	$	2,222	$	3,414	$	776	$	1,205	$	6,977	$	-	$	16,401
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Commercial
Pass	$	19,306	$	10,228	$	5,638	$	1,591	$	2,167	$	1,342	$	12,777	$	53,049
Special mention		78		100		-		-		-		3		-		181
Substandard		-		-		-		-		-		-		-		-
Total commercial	$	19,384	$	10,328	$	5,638	$	1,591	$	2,167	$	1,345	$	12,777	$	53,230
Current period gross charge-offs	$	-	$	(5)	$	(14)	$	-	$	(26)	$	-	$	-	$	(45)
Agriculture
Pass	$	565	$	518	$	347	$	127	$	67	$	649	$	1,217	$	3,490
Special mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		18		-		18
Total agriculture	$	565	$	518	$	347	$	127	$	67	$	667	$	1,217	$	3,508
Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	(59)	$	-	$	(59)
Consumer and All Other
Pass	$	12,352	$	4,822	$	2,408	$	864	$	594	$	761	$	1,339	$	23,140
Special mention		-		1		-		-		-		-		-		1
Substandard		4		-		1		3		1		1		-		10
Total consumer and all other	$	12,356	$	4,823	$	2,409	$	867	$	595	$	762	$	1,339	$	23,151
Current period gross charge-offs	$	(198)	$	(49)	$	(13)	$	-	$	-	$	(2)	$	(59)	$	(321)
Total	$	127,643	$	118,411	$	115,888	$	51,039	$	41,047	$	144,136	$	39,947	$	638,111
Total current period gross charge-offs	$	(198)	$	(54)	$	(57)	$	-	$	(26)	$	(82)	$	(59)	$	(476)