Consolidated Statements of Operations (unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024	Jun. 30, 2025	Jun. 30, 2024
Interest and dividend income:
Interest and fees on loans	$ 20,105	$ 19,921	$ 38,707	$ 40,089
Interest on investments	2,397	2,542	4,898	5,053
Total interest and dividend income	22,502	22,463	43,605	45,142
Interest expense:
Interest on deposits	8,287	9,338	16,884	18,547
Interest on FHLB and FRB borrowed funds	1	576	12	1,088
Interest on other borrowed funds	903	973	1,804	2,026
Total interest expense	9,191	10,887	18,700	21,661
Net interest income before provision for credit losses	13,311	11,576	24,905	23,481
Provision for credit losses	1,350	(1,525)	1,100	(2,325)
Net interest income after provision for credit losses	11,961	13,101	23,805	25,806
Non-interest income:
Service charges on deposit accounts	432	490	855	961
Interchange income	564	579	1,082	1,120
Loan servicing income	565	526	1,124	1,108
Gain on sale of loans	699	226	1,419	1,246
Loan fees and service charges	237	309	357	539
Net gains (losses) on equity securities	99	(658)	109	(491)
Bank Owned Life Insurance (BOLI) death benefit	0	184	0	184
Other	240	257	483	510
Total non-interest income	2,836	1,913	5,429	5,177
Non-interest expense:
Compensation and related benefits	6,008	5,675	11,605	11,158
Occupancy	1,196	1,333	2,483	2,700
Data processing	1,753	1,525	3,472	3,122
Amortization of intangible assets	179	179	358	358
Mortgage servicing rights expense, net	148	116	288	264
Advertising, marketing and public relations	194	186	361	350
FDIC premium assessment	191	200	389	405
Professional services	432	347	940	913
Losses (gains) on repossessed assets, net	0	(18)	4	(18)
Other	649	756	1,313	1,824
Total non-interest expense	10,750	10,299	21,213	21,076
Income before provision for income taxes	4,047	4,715	8,021	9,907
Provision for income taxes	777	1,040	1,554	2,144
Net income attributable to common stockholders	$ 3,270	$ 3,675	$ 6,467	$ 7,763
Per share information:
Basic earnings (USD per share)	$ 0.33	$ 0.35	$ 0.65	$ 0.75
Diluted earnings (USD per share)	0.33	0.35	0.65	0.75
Cash dividends paid (USD per share)	$ 0	$ 0	$ 0.36	$ 0.32