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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 10,098 $ 8,204
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 1,482 1,572
Provision for credit losses 806 625
Net gain on sale of available-for-sale securities (4)
Income on bank owned life insurance (73)
Gain on sale of mortgage loans (26) (9)
Gain on sale or disposal of premises and equipment (2) (21)
Gain on sale of other real estate owned (6) (74)
Loss on settlement of bank owned life insurance 49
Income on bank owned life insurance death benefit (1,565)
Loans originated for sale (1,115) (329)
Proceeds from sales of loans originated for sale 1,141 338
Net amortization/accretion of bond premiums/discounts 70 189
Deferred tax benefit (155) (286)
Net change in:    
Accrued interest receivable 7 (429)
Other assets (307) (91)
Accrued interest payable 65 (5)
Accrued expenses and other liabilities 246 253
Net cash provided by operating activities 12,304 8,344
CASH FLOWS FROM INVESTING ACTIVITIES    
Net increase in loans (52,413) (20,833)
Purchase of securities available-for-sale (9,271) (23,336)
Proceeds from repayments and maturities of securities available-for-sale 13,963 14,419
Proceeds from sales of securities available-for-sale 2,134
Redemption (purchase) of equity securities (restricted) 122 (38)
Purchases of premises, equipment and software (815) (1,792)
Proceeds from sales of premises and equipment 2 1,186
Proceeds from sales of other real estate owned 50 1,474
Proceeds from settlement of bank owned life insurance 5,417 761
Net cash used in investing activities (42,945) (26,025)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net change in short-term borrowings (10,000)
Net change in long-term debt (6,000) (1,200)
Net change in noninterest-bearing deposits (4,109) (8,940)
Net change in interest-bearing deposits 52,393 42,455
Dividends paid (1,889) (1,661)
Repurchase of common stock (212) (282)
Net cash provided by financing activities 40,183 20,372
Net increase in cash and cash equivalents 9,542 2,691
Cash and and cash equivalents, beginning of the year 67,668 64,977
Cash and cash equivalents, end of the year 77,210 67,668
Supplemental disclosure of cash paid during the period for:    
Interest 15,366 16,117
Taxes 2,680 2,419
Supplemental disclosure of non-cash investing and financing activities:    
Real estate acquired in satisfaction of mortgage loans 46 1,330
Cash surrender value of bank owned life insurance transferred to benefit receivable 3,852
Change in unrealized losses on securities available-for-sale $ (5,211) $ (419)