Condensed Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
INTEREST INCOME
Loans, including fees	$ 13,512	$ 12,876	$ 39,795	$ 37,429
Interest and dividends on investments, cash and cash equivalents	1,140	1,962	3,478	5,209
Total interest income	14,652	14,838	43,273	42,638
INTEREST EXPENSE
Deposits	5,275	6,363	15,705	18,059
Borrowings	269	434	798	1,293
Subordinated notes	168	168	504	504
Total interest expense	5,712	6,965	17,007	19,856
Net interest income	8,940	7,873	26,266	22,782
PROVISION FOR (RELEASE OF) CREDIT LOSSES	55	8	22	(134)
Net interest income after provision for (release of) credit losses	8,885	7,865	26,244	22,916
NONINTEREST INCOME
Service charges and fee income	672	628	2,020	2,001
Earnings on BOLI	225	186	648	498
Mortgage servicing income	262	280	794	841
Fair value adjustment on MSRs	(372)	101	(551)	(81)
Net gain on sale of loans	94	40	187	205
Other income	0	0	0	30
Total noninterest income	881	1,235	3,098	3,494
NONINTEREST EXPENSE
Salaries and benefits	4,259	4,469	13,175	13,670
Operations	1,483	1,540	4,291	4,566
Regulatory assessments	221	189	663	598
Occupancy	431	414	1,284	1,255
Data processing	1,274	1,067	3,821	2,995
Net loss (gain) on OREO and repossessed assets	8	0	19	(10)
Total noninterest expense	7,676	7,679	23,253	23,074
Income before provision for income taxes	2,090	1,421	6,089	3,336
Provision for income taxes	395	267	1,175	617
Net income	$ 1,695	$ 1,154	$ 4,914	$ 2,719
Earnings per common share:
Basic (in dollars per share)	$ 0.66	$ 0.45	$ 1.92	$ 1.06
Diluted (in dollars per share)	$ 0.66	$ 0.45	$ 1.90	$ 1.05
Weighted-average number of common shares outstanding:
Basic (in shares)	2,556,562	2,544,233	2,555,799	2,541,331
Diluted (in shares)	2,575,575	2,569,368	2,577,387	2,561,942