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Consolidated Statements Of Income - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Interest income        
Loans, including fees $ 21,425 $ 18,059 $ 41,289 $ 35,281
Interest and dividends on investments:        
Taxable interest 4,524 3,901 9,349 7,814
Tax exempt interest 269 274 540 549
Dividend income 189 205 379 250
Interest-earning deposits in other banks 2,193 2,293 4,101 4,647
Total interest income 28,600 24,732 55,658 48,541
Interest expense        
Deposits 8,918 7,018 17,948 13,522
FHLB overnight borrowings and advances 2,181 480 4,339 1,440
Federal Reserve Bank borrowings   2,762   5,289
Subordinate notes 263 261 528 525
Total interest expense 11,362 10,521 22,815 20,776
Net interest income 17,238 14,211 32,843 27,765
Provision for credit losses - loans 704 560 1,454 1,050
Provision for (reversal of) credit losses - unfunded commitments (69) (14) (40) (52)
Total provision for credit losses 635 546 1,414 998
Net interest income after credit loss expense 16,603 13,665 31,429 26,767
Noninterest income        
Wealth management fees 2,419 2,242 4,633 4,269
Loan service charges 294 181 503 387
Gain on sale of loans 132 116 241 174
Deposit service charges and fees 613 572 1,218 1,185
Other service charges and fees 480 523 963 1,010
Debit card income 608 571 1,167 1,106
Increase in cash surrender value of life insurance 116 112 230 224
Change in fair value of equity securities   (34) (7) (75)
Other 441 67 716 258
Total noninterest income 5,103 4,350 9,664 8,538
Noninterest Expense        
Salaries and employee benefits 8,864 8,405 17,370 16,132
Net occupancy 1,146 1,149 2,371 2,331
Marketing and advertising 353 617 786 1,137
Legal and professional 537 515 1,064 1,030
Data processing 1,514 1,459 3,071 2,882
Pennsylvania bank shares tax 137 119 297 244
FDIC Insurance 409 408 954 730
ATM/debit card processing 344 339 683 662
Telecommunications 109 108 216 220
Nonservice pension 17 (7) 29 (36)
Other 959 1,224 2,124 2,310
Total noninterest expense 14,389 14,336 28,965 27,642
Income before income taxes 7,317 3,679 12,128 7,663
Income tax expense 1,409 646 2,299 1,269
Net income $ 5,908 $ 3,033 $ 9,829 $ 6,394
Per share        
Basic earnings per share $ 1.32 $ 0.67 $ 2.21 $ 1.43
Diluted earnings per share $ 1.32 $ 0.66 $ 2.20 $ 1.43