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CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 3,062 $ 1,908
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 309 374
Provision for credit losses 240 259
Gain on sale of mortgage loans (9)
Gain on sale or disposal of premises and equipment (2)
Loans originated for sale (112) (380)
Proceeds from sales of loans originated for sale 112 389
Net amortization/accretion of bond premiums/discounts 16 15
Deferred tax benefit (2) (1)
Net change in:    
Accrued interest receivable (459) (189)
Other assets 407 (365)
Accrued interest payable (191) (94)
Accrued expenses and other liabilities 421 125
Net cash provided by operating activities 3,803 2,030
CASH FLOWS FROM INVESTING ACTIVITIES    
Net increase in loans (14,055) (13,214)
Purchase of securities available-for-sale (4,186) (2,939)
Proceeds from repayments and maturities of securities available-for-sale 2,935 2,663
Net purchase of equity securities (restricted) (38) (20)
Payments for the purchase of premises and equipment (3) (268)
Proceeds from sale of premises and equipment 2
Proceeds from sale of other real estate owned 30
Proceeds from bank owned life insurance benefit 5,417
Net cash used in investing activities (15,347) (8,329)
CASH FLOWS FROM FINANCING ACTIVITIES    
Repayment of long-term debt (3,000)
Net change in noninterest bearing deposits 21,769 9,156
Net change in interest-bearing deposits 7,619 17,712
Dividends paid (2,120) (1,889)
Repurchase of common stock (41) (68)
Net cash provided by financing activities 27,227 24,911
Net increase in cash and cash equivalents 15,683 15,612
Cash and cash equivalents, beginning of the period 77,210 67,668
Cash and cash equivalents, end of the period 92,893 83,280
Supplemental disclosure of cash paid during the period for:    
Interest 3,971 3,835
Taxes
Supplemental disclosure of non-cash transactions:    
Change in unrealized losses on securities available-for-sale (808) 2,380
Transfer of loans to other real estate owned $ 95 $ 164