Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
ASSETS
Cash and due from banks	$ 5,486	$ 5,719
Interest bearing deposits with banks	6,426	5,729
Cash and cash equivalents	11,912	11,448
Equity securities	1,331	1,273
Debt securities available for sale	54,755	55,600
Debt securities held to maturity (fair value $179,984 and $182,773, respectively)	180,148	182,205
Restricted investment in bank stock	2,496	2,522
Total loans	610,113	601,378
Less: Allowance for credit losses	(7,265)	(7,083)
Total loans, net of allowance for credit losses	602,848	594,295
Premises and equipment, net	9,311	9,256
Bank owned life insurance and annuities	16,016	15,947
Investment in low-income housing partnerships	429	510
Core deposit and other intangible assets	176	190
Goodwill	9,812	9,812
Deferred tax asset, net	7,901	8,198
Accrued interest receivable and other assets	4,762	4,007
Total assets	901,897	895,263
Liabilities:
Non-interest bearing	209,976	209,865
Interest bearing	578,665	571,934
Total deposits	788,641	781,799
Short-term borrowings and repurchase agreements	46,534	49,906
Other interest bearing liabilities	655	720
Accrued interest payable and other liabilities	6,024	5,465
Total liabilities	841,854	837,890
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	24,622	24,820
Retained earnings	58,389	56,696
Accumulated other comprehensive loss	(26,201)	(27,154)
Cost of common stock in Treasury: 132,480 shares at December 31, 2025; 147,895 shares at December 31, 2024	(1,918)	(2,140)
Total stockholders' equity	60,043	57,373
Total liabilities and stockholders' equity	$ 901,897	$ 895,263