BORROWED FUNDS (Tables)

12 Months Ended

Dec. 31, 2025

Debt Disclosure [Abstract]

Schedule of breakdown of borrowed funds

	Short-term Borrowings												Long-term Borrowings
	FHLB Revolving Advances			Federal Funds Lines			FHLB Term Loans Short-Term			FRB Term Funding Program			FHLB Term Loans Long-Term			NPB Capital Trust I			NPB Capital Trust 2			Total
	(a)			(b)			(a) (c)			(d)			(a) (e)
(Dollars in thousands)
Balance December 31, 2025	$	—		$	—		$	—		$	—		$	7,000		$	6,831		$	5,155		$	18,986
Highest balance at any month-end		5,000			—			—			—			10,000			6,831			5,155
Average weighted balance		14			—			—			—			9,696			6,880			5,155			21,745
Average interest rate:
Paid during the year		4.57	%		0.00	%		0.00	%		0.00	%		3.51	%		7.10	%		6.24	%		5.26	%
At year-end		0.00	%		0.00	%		0.00	%		0.00	%		3.51	%		6.77	%		5.94	%		5.34	%
Balance December 31, 2024	$	—		$	—		$	—		$	—		$	10,000		$	9,831		$	5,155		$	24,986
Highest balance at any month-end		—			—			—			10,000			10,000			11,031			5,155
Average weighted balance		—			—			—			7,486			10,000			10,749			5,155			33,390
Average interest rate:
Paid during the year		0.00	%		5.61	%		0.00	%		4.83	%		3.51	%		8.15	%		7.30	%		5.88	%
At year-end		0.00	%		0.00	%		0.00	%		0.00	%		3.51	%		7.52	%		6.69	%		5.74	%

(a) – The Bank has the ability to borrow up to an additional $101.4 million from FHLB under a line of credit which is secured by a blanket lien on qualifying real estate loans as of December 31, 2025. With additional collateral, the Bank’s total credit availability would be $252.3 million. The Bank had no overnight borrowings subject to daily rate changes from the FHLB at December 31, 2025 or 2024.

We have used our line of credit with FHLB to issue letters of credit totaling $14.0 million to the Treasury Board of Virginia for collateral on public funds deposited in the Bank. No draws on the letters of credit have been issued. The letters of credit are considered draws on our FHLB line of credit.

(b) – Federal funds lines consisted of $30.0 million in unsecured federal funds line of credit facilities with correspondent banks as of December 31, 2025 and 2024 exclusive of any outstanding balance. The Company did not borrow from the lines other than to test the ability to access the lines.

(c) – As of December 31, 2025 and 2024, there were no short term FHLB advances outstanding.

(d) – A short-term, fixed rate borrowing under the FRB Bank Term Funding Program in the amount of $10.0 million at was prepaid without penalty during the fourth quarter of 2024.

(e) – The fixed rate FHLB advance in the amount of $10.0 million as of December 31, 2024 was reduced to $7.0 million in 2025 and matures in 2028.

Schedule of maturities of borrowed funds

2025	$	-
2026		-
2027		-
2028		7,000
2029		-
2030 and thereafter		11,986
	$	18,986