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INCOME TAXES (Tables)
12 Months Ended
Dec. 31, 2025
INCOME TAXES  
Schedule of expense for income taxes, includes both federal and applicable state corporate income taxes

YEAR ENDED DECEMBER 31, 

  ​ ​ ​

2025

  ​ ​ ​

2024

(IN THOUSANDS)

Current

$

192

$

832

Deferred

 

992

 

(34)

Income tax expense

$

1,184

$

798

Schedule of reconciliation between the federal statutory tax rate and the Company's effective consolidated income tax rate

YEAR ENDED DECEMBER 31, 

2025

2024

  ​ ​ ​

AMOUNT

  ​ ​ ​

RATE

  ​ ​ ​

AMOUNT

  ​ ​ ​

RATE

  ​ ​ ​

(IN THOUSANDS, EXCEPT PERCENTAGES)

Income tax expense based on federal statutory rate

$

1,427

 

21.0

%  

$

924

 

21.0

%  

Tax exempt income

 

(310)

 

(4.6)

 

(247)

 

(5.6)

Other

 

67

 

1.0

 

121

 

2.7

Total expense for income taxes

$

1,184

 

17.4

%  

$

798

 

18.1

%  

Schedule of deferred tax assets and liabilities

AT DECEMBER 31, 

  ​ ​ ​

2025

  ​ ​ ​

2024

(IN THOUSANDS)

DEFERRED TAX ASSETS:

  ​

  ​

Allowance for credit losses - loans

$

2,757

$

2,922

Allowance for credit losses - securities

 

19

 

94

Allowance for credit losses - unfunded commitments

 

71

 

203

Unrealized investment security losses

 

2,088

 

3,544

Premises and equipment

 

765

 

912

Lease liabilities

825

895

Net operating loss

 

448

 

469

Interest rate hedges

 

25

 

36

Other

 

157

 

173

Total tax assets

 

7,155

 

9,248

DEFERRED TAX LIABILITIES:

 

 

Investment accretion

 

(161)

 

(129)

Lease right-of-use assets

(735)

(815)

Accrued pension obligation

(7,591)

(6,602)

Other

 

(304)

 

(290)

Total tax liabilities

 

(8,791)

 

(7,836)

Net deferred tax (liability) asset

$

(1,636)

$

1,412