Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Interest and dividend income:
Loans, including fees	$ 9,310,000	$ 7,781,000
Taxable securities	1,221,000	1,365,000
Tax-exempt securities	30,000	30,000
Other interest income	20,000	17,000
Total interest income	10,581,000	9,193,000
Interest expense:
Deposits	2,758,000	2,803,000
Short-term borrowings and repurchase agreements	508,000	531,000
Long-term debt	0	30,000
Other interest bearing liabilities	6,000	7,000
Total interest expense	3,272,000	3,371,000
Net interest income	7,309,000	5,822,000
Provision for credit losses	180,000	104,000
Net interest income after provision for credit losses	7,129,000	5,718,000
Non-interest income:
Earnings on bank-owned life insurance and annuities	69,000	57,000
Change in value of equity securities	58,000	(28,000)
Other non-interest income	79,000	88,000
Total non-interest income	1,442,000	1,346,000
Non-interest expense:
Employee compensation expense	2,244,000	1,975,000
Employee benefits	741,000	546,000
Occupancy	326,000	366,000
Equipment	252,000	217,000
Data processing expense	654,000	629,000
Professional fees	236,000	206,000
Taxes, other than income	18,000	31,000
FDIC Insurance premiums	129,000	135,000
Amortization of intangible assets	14,000	18,000
Amortization of investment in low-income housing partnerships	81,000	81,000
Other non-interest expense	516,000	481,000
Total non-interest expense	5,211,000	4,685,000
Income before income taxes	3,360,000	2,379,000
Income tax provision	563,000	371,000
Net income	$ 2,797,000	$ 2,008,000
Earnings per share
Basic (in dollars per share)	$ 0.56	$ 0.4
Diluted (in dollars per share)	$ 0.55	$ 0.4
Customer service fees
Non-interest income:
Non-interest income	$ 435,000	$ 460,000
Debit card fee income
Non-interest income:
Non-interest income	430,000	422,000
Trust fees
Non-interest income:
Non-interest income	126,000	131,000
Commissions from sales of non-deposit products
Non-interest income:
Non-interest income	50,000	101,000
Fees derived from loan activity
Non-interest income:
Non-interest income	$ 195,000	$ 115,000