CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
OPERATING ACTIVITIES
Net income	$ 5,612,000	$ 3,601,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	4,120,000	884,000
Depreciation and amortization expense	2,077,000	2,059,000
Amortization expense of core deposit intangible	21,000	24,000
Amortization of fair value adjustment on acquired time deposits	(1,000)	(8,000)
Net (accretion) amortization of investment securities	(98,000)	76,000
Net amortization of deferred loan fees	(234,000)	(132,000)
Net gains on loans held for sale	(116,000)	(174,000)
Origination of mortgage loans held for sale	(7,358,000)	(11,426,000)
Sales of mortgage loans held for sale	7,693,000	11,270,000
(Increase) decrease in accrued interest receivable	(71,000)	43,000
Increase (decrease) in accrued interest payable	552,000	(335,000)
Earnings on bank owned life insurance	(1,284,000)	(1,067,000)
Deferred income taxes	992,000	(34,000)
Stock compensation expense		8,000
Common stock issuable	691,000
Net change in trading securities	(7,253,000)
Net change in operating leases	(178,000)	(169,000)
Other, net	(1,978,000)	(1,933,000)
Net cash provided by operating activities	3,187,000	2,687,000
INVESTING ACTIVITIES
Purchase of investment securities - available for sale	(54,649,000)	(16,353,000)
Purchase of investment securities - held to maturity	(15,743,000)	(6,449,000)
Proceeds from maturities of investment securities - available for sale	40,328,000	26,062,000
Proceeds from maturities of investment securities - held to maturity	7,428,000	6,490,000
Proceeds from sale of investment securities - available for sale	0	935,000
Purchase of regulatory stock	(12,344,000)	(15,214,000)
Proceeds from redemption of regulatory stock	13,282,000	15,665,000
Net decrease (increase) in loans	30,515,000	(33,499,000)
Purchase of premises and equipment	(1,124,000)	(1,711,000)
Proceeds from sale of other real estate owned and repossessed assets	1,466,000	264,000
Proceeds from life insurance policies	1,911,000	711,000
Net cash provided by (used in) investing activities	11,070,000	(23,099,000)
FINANCING ACTIVITIES
Net increase in deposit balances	47,134,000	42,643,000
Net decrease in other short-term borrowings	(14,642,000)	(26,309,000)
Principal borrowings on advances from Federal Home Loan Bank	1,908,000	28,703,000
Principal repayments on advances from Federal Home Loan Bank	(13,351,000)	(17,207,000)
Principal payments on financing lease liabilities	(188,000)	(168,000)
Stock options exercised	9,000
Purchases of treasury stock		(1,511,000)
Common stock dividend paid	(1,982,000)	(2,020,000)
Net cash provided by financing activities	18,888,000	24,131,000
NET INCREASE IN CASH AND CASH EQUIVALENTS	33,145,000	3,719,000
CASH AND CASH EQUIVALENTS AT JANUARY 1	17,746,000	14,027,000
CASH AND CASH EQUIVALENTS AT DECEMBER 31	$ 50,891,000	$ 17,746,000