CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
ASSETS
Cash and due from depository institutions	$ 11,473	$ 13,891
Interest bearing deposits and short-term investments	39,418	3,855
Cash and cash equivalents	50,891	17,746
Investment securities, net of allowance for credit losses:
Available for sale, at fair value (allowance for credit losses $360 on December 31, 2024)	176,228	155,620
Held to maturity (fair value $68,916 on December 31, 2025 and $58,471 on December 31, 2024; allowance for credit losses $90 on December 31, 2025 and $89 on December 31, 2024)	72,256	63,837
Trading securities	7,253
Loans held for sale	241	460
Loans (net of unearned income $466 on December 31, 2025 and $517 on December 31, 2024)	1,032,727	1,067,949
Less: Allowance for credit losses	13,128	13,912
Net loans	1,019,599	1,054,037
Premises and equipment:
Operating lease right-of-use asset	1,395	1,550
Financing lease right-of-use asset	2,106	2,331
Other premises and equipment, net	13,929	14,228
Accrued interest income receivable	5,557	5,486
Intangible assets:
Goodwill	13,611	13,611
Core deposit intangible	56	77
Bank owned life insurance	39,308	39,923
Net deferred tax asset		1,412
Federal Home Loan Bank stock	3,785	4,759
Federal Reserve Bank stock	2,161	2,125
Other real estate owned and repossessed assets	216	1,724
Other assets	45,221	43,436
TOTAL ASSETS	1,453,813	1,422,362
LIABILITIES
Non-interest bearing deposits	159,198	171,622
Interest bearing deposits	1,088,930	1,029,373
Total deposits	1,248,128	1,200,995
Short-term borrowings		14,642
Advances from Federal Home Loan Bank	44,615	56,058
Operating lease liabilities	1,426	1,572
Financing lease liabilities	2,501	2,689
Subordinated debt	26,767	26,726
Total borrowed funds	75,309	101,687
Net deferred tax liability	1,636
Other liabilities	9,428	12,432
TOTAL LIABILITIES	1,334,501	1,315,114
SHAREHOLDERS' EQUITY
Common stock, par value $0.01 per share; 30,000,000 shares authorized; 26,779,089 shares issued, 216,500 shares issuable, and 16,522,267 shares outstanding on December 31, 2025 and 26,776,089 shares issued and 16,519,267 shares outstanding on December 31, 2024	270	268
Treasury stock at cost, 10,256,822 shares on December 31, 2025 and December 31, 2024	(84,791)	(84,791)
Capital surplus	147,070	146,372
Retained earnings	64,112	60,482
Accumulated other comprehensive loss	(7,349)	(15,083)
TOTAL SHAREHOLDERS' EQUITY	119,312	107,248
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,453,813	$ 1,422,362