Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 5,719	$ 5,064
Interest bearing deposits with banks	5,729	5,934
Cash and cash equivalents	11,448	10,998
Equity securities	1,273	1,189
Debt securities available for sale	55,600	64,623
Debt securities held to maturity (fair value $179,984 and $182,773, respectively)	182,205	191,627
Restricted investment in bank stock	2,522	2,530
Total loans	601,378	533,869
Less: Allowance for credit losses	(7,083)	(6,183)
Total loans, net of allowance for credit losses	594,295	527,686
Premises and equipment, net	9,256	9,382
Bank owned life insurance and annuities	15,947	15,214
Investment in low-income housing partnerships	510	832
Core deposit and other intangible assets	190	258
Goodwill	9,812	9,812
Mortgage servicing rights	60	69
Deferred tax asset, net	8,198	9,842
Accrued interest receivable and other assets	3,947	4,812
Total assets	895,263	848,874
Liabilities:
Non-interest bearing	209,865	196,801
Interest bearing	571,934	551,156
Total deposits	781,799	747,957
Short-term borrowings and repurchase agreements	49,906	42,242
Long-term debt	0	5,000
Other interest bearing liabilities	720	830
Accrued interest payable and other liabilities	5,465	5,388
Total liabilities	837,890	801,417
Commitments and contingent liabilities
Stockholders' Equity:
Preferred stock, no par value: Authorized - 500,000 shares, none issued	0	0
Common stock, par value $1.00 per share: Authorized 20,000,000 shares; Issued - 5,151,279 shares at December 31, 2025 and December 31, 2024; Outstanding - 5,018,799 shares at December 31, 2025 and 5,003,384 shares at December 31, 2024	5,151	5,151
Surplus	24,820	24,896
Retained earnings	56,696	53,126
Accumulated other comprehensive loss	(27,154)	(33,320)
Cost of common stock in Treasury: 132,480 shares at December 31, 2025; 147,895 shares at December 31, 2024	(2,140)	(2,396)
Total stockholders' equity	57,373	47,457
Total liabilities and stockholders' equity	$ 895,263	$ 848,874