LOANS (Tables)

12 Months Ended

Dec. 31, 2025

Receivables [Abstract]

Schedule of loans receivable outstanding

	December 31,
(Dollars in thousands)	2025		2024
Real estate secured:
Commercial	$	255,707	$	243,646
Construction and land development		42,826		36,112
Residential 1-4 family		252,624		234,860
Multifamily		45,964		32,379
Farmland		23,385		16,921
Total real estate loans		620,506		563,918
Commercial		53,175		60,587
Agriculture		4,384		4,025
Consumer installment loans and all other loans		31,522		29,006
Total loans	$	709,587	$	657,536

Schedule of loans receivable nonaccrual status

	December 31, 2025						December 31, 2024
	With No Allowance		With an Allowance		Total		With No Allowance		With an Allowance		Total
(Dollars in thousands)
Real estate secured:
Commercial	$	—	$	415	$	415	$	411	$	—	$	411
Construction and land development		—		23		23		300		—		300
Residential 1-4 family		960		1,323		2,283		2,232		178		2,410
Multifamily		—		—		—		—		—		—
Farmland		—		16		16		—		—		—
Total real estate loans		960		1,777		2,737		2,943		178		3,121
Commercial		—		25		25		66		—		66
Agriculture		446		305		751		16		—		16
Consumer installment loans and other loans		—		85		85		56		14		70
Total loans receivable on nonaccrual status	$	1,406	$	2,192	$	3,598	$	3,081	$	192	$	3,273

Schedule of related allowance for credit losses

	December 31, 2025				December 31, 2024
	Amortized Cost		Related Allowance		Amortized Cost		Related Allowance
(Dollars in thousands)
Real estate secured:
Commercial	$	408	$	108	$	396	$	—
Construction and land development		—		—		300		—
Residential 1-4 family		998		39		1,008		177
Total real estate loans		1,406		147		1,704		177
Agriculture		752		54		—		—
Consumer installment loans and other loans		—		—		13		3
Total	$	2,158	$	201	$	1,717	$	180

Schedule of analysis of past due loans receivable

As of December 31, 2025 (Dollars 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	$	468	$	—	$	423	$	891	$	254,816	$	255,707
Construction and land development		—		—		—		—		42,826		42,826
Residential 1-4 family		2,140		1,631		828		4,599		248,025		252,624
Multifamily		—		—		—		—		45,964		45,964
Farmland		—		—		—		—		23,385		23,385
Total real estate loans		2,608		1,631		1,251		5,490		615,016		620,506
Commercial		203		26		—		229		52,946		53,175
Agriculture		110		—		802		912		3,472		4,384
Consumer installment loans and all other loans		272		26		307		605		30,917		31,522
Total loans	$	3,193	$	1,683	$	2,360	$	7,236	$	702,351	$	709,587

As of December 31, 2024 (Dollars 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

Schedule of credit risk grade of loans

As of December 31, 2025
(Dollars in thousands)	2025			2024			2023			2022			2021			Prior			Revolving			Total
Commercial real estate
Pass	$	33,892		$	22,565		$	43,005		$	44,828		$	42,021		$	69,031		$	358		$	255,700
Substandard		—			—			—			—			—			7			—			7
Total commercial real estate	$	33,892		$	22,565		$	43,005		$	44,828		$	42,021		$	69,038		$	358		$	255,707
Current period gross charge-offs	$	—		$	—		$	—		$	(1	)	$	—		$	—		$	—		$	(1	)
Construction and land development
Pass	$	12,676		$	21,666		$	2,448		$	2,113		$	2,122		$	1,778		$	—		$	42,803
Substandard		—			23			—			—			—			—			—			23
Total construction and land development	$	12,676		$	21,689		$	2,448		$	2,113		$	2,122		$	1,778		$	—		$	42,826
Current period gross charge-offs	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Residential 1-4 family
Pass	$	35,441		$	18,703		$	24,178		$	24,318		$	35,543		$	76,674		$	34,842		$	249,699
SpecialMention		—			—			—			—			—			476			—			476
Substandard		—			104			197			50			—			2,020			78			2,449
Total residential 1-4 family	$	35,441		$	18,807		$	24,375		$	24,368		$	35,543		$	79,170		$	34,920		$	252,624
Current period gross charge-offs	$	—		$	—		$	(138	)	$	—		$	—		$	(1	)	$	—		$	(139	)
Multifamily
Pass	$	17,668		$	1,464		$	3,197		$	9,874		$	6,444		$	7,317		$	—		$	45,964
Total multifamily	$	17,668		$	1,464		$	3,197		$	9,874		$	6,444		$	7,317		$	—		$	45,964
Current period gross charge-offs	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Farmland
Pass	$	9,005		$	2,610		$	1,142		$	1,830		$	2,641		$	6,020		$	—		$	23,248
SpecialMention		—			—			—			—			—			121			—			121
Substandard		—			—			—			—			—			16			—			16
Total farmland	$	9,005		$	2,610		$	1,142		$	1,830		$	2,641		$	6,157		$	—		$	23,385
Current period gross charge-offs	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial
Pass	$	14,653		$	10,852		$	8,745		$	2,628		$	1,284		$	3,106		$	11,880		$	53,148
SpecialMention		—			—			—			—			—			2			—			2
Substandard		—			—			—			—			—			—			25			25
Total commercial	$	14,653		$	10,852		$	8,745		$	2,628		$	1,284		$	3,108		$	11,905		$	53,175
Current period gross charge-offs	$	—		$	(59	)	$	—		$	—		$	(23	)	$	(15	)	$	—		$	(97	)
Agriculture
Pass	$	1,437		$	683		$	162		$	176		$	104		$	98		$	942		$	3,602
SpecialMention		—			—			—			—			—			—			31			31
Substandard		—			—			—			—			—			—			—			—
Doubtful		—			305			—			—			—			—			446			751
Total agriculture	$	1,437		$	988		$	162		$	176		$	104		$	98		$	1,419		$	4,384
Current period gross charge-offs	$	—		$	—		$	—		$	—		$	—		$	—		$	(50	)	$	(50	)
Consumer and all other
Pass	$	16,111		$	7,607		$	3,599		$	1,311		$	845		$	1,617		$	372		$	31,462
Substandard		18			30			10			2			—			—			—			60
Total consumer and all other	$	16,129		$	7,637		$	3,609		$	1,313		$	845		$	1,617		$	372		$	31,522
Current period gross charge-offs	$	(14	)	$	(47	)	$	(25	)	$	(5	)	$	(5	)	$	(280	)	$	—		$	(376	)
Total	$	140,901		$	86,612		$	86,683		$	87,130		$	91,004		$	168,283		$	48,974		$	709,587
Total current period gross charge-offs	$	(14	)	$	(106	)	$	(163	)	$	(6	)	$	(28	)	$	(296	)	$	(50	)	$	(663	)

As of December 31, 2024
(Dollars 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	)