CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Interest and fees on loans
Taxable	$ 59,972	$ 56,638
Tax exempt	188	121
Interest bearing deposits and short-term investments	826	250
Investment securities:
Available for sale	7,632	7,209
Held to maturity	2,592	2,287
Trading securities	144
Total Interest Income	71,354	66,505
INTEREST EXPENSE
Deposits	25,471	25,448
Short-term borrowings	266	1,582
Advances from Federal Home Loan Bank	2,200	2,265
Financing lease liabilities	100	108
Subordinated debt	1,054	1,054
Total Interest Expense	29,091	30,457
Net Interest Income	42,263	36,048
Provision for credit losses	4,120	884
Net Interest Income after Provision for Credit Losses	38,143	35,164
NON-INTEREST INCOME
Non-interest income	14,634	15,621
Mortgage banking revenue	184	304
Trading securities revenue	118
Bank owned life insurance	1,284	1,067
Other income	2,698	3,098
Total Non-Interest Income	16,989	17,975
NON-INTEREST EXPENSE
Salaries and employee benefits	28,939	28,387
Net occupancy expense	2,984	2,968
Equipment expense	1,559	1,539
Professional fees	3,755	4,784
Data processing and IT expense	4,953	4,815
Supplies, postage and freight	701	670
Miscellaneous taxes and insurance	1,446	1,308
Federal deposit insurance expense	987	1,021
Other expense	3,012	3,248
Total Non-Interest Expense	48,336	48,740
PRETAX INCOME	6,796	4,399
Provision for income taxes	1,184	798
NET INCOME	$ 5,612	$ 3,601
Basic:
Net income (in dollars per share)	$ 0.34	$ 0.21
Average number of shares outstanding (in shares)	16,519,809	16,802,383
Diluted:
Net income (in dollars per share)	$ 0.34	$ 0.21
Average number of shares outstanding (in shares)	16,529,893	16,802,383
Wealth management fees
NON-INTEREST INCOME
Non-interest income	$ 11,560	$ 12,318
Service charges on deposit accounts
NON-INTEREST INCOME
Non-interest income	$ 1,145	$ 1,188