Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 5,145	$ 5,064
Interest bearing deposits with banks	8,364	5,934
Cash and cash equivalents	13,509	10,998
Equity securities	1,114	1,189
Debt securities available for sale	64,772	64,623
Debt securities held to maturity (fair value $184,898 and $182,773, respectively)	189,634	191,627
Restricted investment in bank stock	2,674	2,530
Total loans	538,971	533,869
Less: Allowance for credit losses	(6,278)	(6,183)
Total loans, net of allowance for credit losses	532,693	527,686
Premises and equipment, net	9,323	9,382
Bank owned life insurance and annuities	15,273	15,214
Investment in low income housing partnerships	751	832
Core deposit and other intangible assets	240	258
Goodwill	9,812	9,812
Mortgage servicing rights	68	69
Deferred tax asset, net	9,320	9,842
Accrued interest receivable and other assets	4,824	4,812
Total assets	854,007	848,874
Liabilities:
Non-interest bearing	198,753	196,801
Interest bearing	549,932	551,156
Total deposits	748,685	747,957
Short-term borrowings and repurchase agreements	44,082	42,242
Long-term debt	5,000	5,000
Other interest bearing liabilities	769	830
Accrued interest payable and other liabilities	5,275	5,388
Total liabilities	803,811	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 March 31, 2025 and December 31, 2024; Outstanding - 5,016,727 shares at March 31, 2025 and 5,003,384 shares at December 31, 2024	5,151	5,151
Surplus	24,712	24,896
Retained earnings	54,034	53,126
Accumulated other comprehensive loss	(31,522)	(33,320)
Cost of common stock in Treasury: 134,552 shares at March 31, 2025; 147,895 shares at December 31, 2024	(2,179)	(2,396)
Total stockholders' equity	50,196	47,457
Total liabilities and stockholders' equity	$ 854,007	$ 848,874