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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
INTEREST AND DIVIDEND INCOME    
Loans, including fees $ 42,844 $ 38,208
Federal funds sold 12 6
Interest-bearing deposits with banks 2,752 3,875
Investments 2,812 2,371
Dividends on equity securities (restricted) 167 173
Total interest and dividend income 48,587 44,633
INTEREST EXPENSE    
Deposits 14,272 14,145
Borrowed funds 1,159 1,967
Total interest expense 15,431 16,112
NET INTEREST INCOME 33,156 28,521
PROVISION FOR CREDIT LOSSES 806 625
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 32,350 27,896
NONINTEREST INCOME    
Service charges and fees 3,621 3,838
Card processing and interchange income 3,903 3,702
Insurance and investment fees 1,414 1,328
Other noninterest income 972 2,386
Total noninterest income 9,910 11,254
NONINTEREST EXPENSE    
Salaries and employee benefits 15,146 14,508
Occupancy and equipment expenses 3,589 3,572
Data processing and telecommunications 2,608 2,540
Other operating expenses 7,772 8,177
Total noninterest expense 29,115 28,797
INCOME BEFORE INCOME TAXES 13,145 10,353
INCOME TAX EXPENSE 3,047 2,149
NET INCOME $ 10,098 $ 8,204
Earnings per share    
Income Per Share Basic $ 0.43 $ 0.35
Income Per Share Diluted $ 0.43 $ 0.35
Average weighted shares of common stock    
Average Weighted Shares of Common Stock - Basic 23,599,120 23,682,407
Average Weighted Shares of Common Stock - Diluted 23,599,120 23,682,407