Loan Quality And Allowance For Credit Losses (Tables)

12 Months Ended

Dec. 31, 2025

Loan Quality And Allowance For Credit Losses [Abstract]

Schedule Of Loans By Year Of Origination And Internally Assigned Risk Ratings

(Dollars in thousands)													Revolving		Revolving
	Term Loans												Loans		Loans
	Amortized Cost Basis by Origination Year												Amortized		Converted
As of December 31, 2025	2025		2024		2023		2022		2021		Prior		Cost Basis		to Term		Total
Residential real estate 1-4 family:
Commercial:
Risk rating:
Pass (1-5)	$	6,601	$	4,914	$	14,483	$	6,381	$	8,982	$	23,381	$	5,237	$	—	$	69,979
OAEM (6)		—		—		—		—		—		—		95		—		95
Substandard (7)		—		—		—		—		—		222		—		—		222
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		6,601		4,914		14,483		6,381		8,982		23,603		5,332		—		70,296
Consumer:
Performing		35,726		45,927		60,145		27,930		13,385		31,675		67,410		15,872		298,070
Nonperforming		—		—		—		—		—		—		20		—		20
Total Consumer		35,726		45,927		60,145		27,930		13,385		31,675		67,430		15,872		298,090
Total	$	42,327	$	50,841	$	74,628	$	34,311	$	22,367	$	55,278	$	72,762	$	15,872	$	368,386
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential real estate construction:
Commercial:
Risk rating:
Pass (1-5)	$	4,228	$	16,503	$	1,204	$	—	$	1,093	$	1,488	$	—	$	—	$	24,516
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		—		—		—		—
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		4,228		16,503		1,204		—		1,093		1,488		—		—		24,516
Consumer:
Performing		24,744		4,865		—		—		—		—		—		—		29,609
Nonperforming		—		—		—		—		—		—		—		—		—
Total Consumer		24,744		4,865		—		—		—		—		—		—		29,609
Total	$	28,972	$	21,368	$	1,204	$	—	$	1,093	$	1,488	$	—	$	—	$	54,125
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate:
Risk rating:
Pass (1-5)	$	137,253	$	126,702	$	206,916	$	96,083	$	84,154	$	189,407	$	12,236	$	—	$	852,751
OAEM (6)		—		—		12,956		448		689		11,924		—		—		26,017
Substandard (7)		—		544		22,040		239		—		1,980		—		—		24,803
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	137,253	$	127,246	$	241,912	$	96,770	$	84,843	$	203,311	$	12,236	$	—	$	903,571
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial:
Risk rating:
Pass (1-5)	$	17,563	$	23,890	$	11,979	$	19,675	$	33,813	$	65,515	$	45,425	$	—	$	217,860
OAEM (6)		—		—		8		359		1,323		—		198		—		1,888
Substandard (7)		—		553		—		583		—		—		4,615		—		5,751
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	17,563	$	24,443	$	11,987	$	20,617	$	35,136	$	65,515	$	50,238	$	—	$	225,499
Current period gross charge-offs	$	(9)	$	—	$	(17)	$	—	$	(2)	$	(8)	$	—	$	—	$	(36)
Consumer:
Performing		1,853		1,145		709		201		1,499		—		4,245		—		9,652
Nonperforming		—		—		—		—		—		—		5		—		5
Total	$	1,853	$	1,145	$	709	$	201	$	1,499	$	—	$	4,250	$	—	$	9,657
Current period gross charge-offs	$	(71)	$	(6)	$	(18)	$	(3)	$	(1)	$	(2)	$	(30)	$	—	$	(131)

‎

The following table presents loans by year of origination and internally assigned risk ratings as of December 31, 2024:

(Dollars in thousands)													Revolving		Revolving
	Term Loans												Loans		Loans
	Amortized Cost Basis by Origination Year												Amortized		Converted
As of December 31, 2024	2024		2023		2022		2021		2020		Prior		Cost Basis		to Term		Total
Residential real estate 1-4 family:
Commercial:
Risk rating:
Pass (1-5)	$	5,306	$	9,436	$	7,529	$	10,133	$	8,099	$	20,251	$	4,079	$	—	$	64,833
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		—		187		—		187
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		5,306		9,436		7,529		10,133		8,099		20,251		4,266		—		65,020
Consumer:
Performing		36,214		67,248		31,290		14,303		9,014		27,744		54,147		17,855		257,815
Nonperforming		—		—		—		—		—		—		—		—		—
Total Consumer		36,214		67,248		31,290		14,303		9,014		27,744		54,147		17,855		257,815
Total	$	41,520	$	76,684	$	38,819	$	24,436	$	17,113	$	47,995	$	58,413	$	17,855	$	322,835
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential real estate construction:
Commercial:
Risk rating:
Pass (1-5)	$	5,582	$	3,306	$	403	$	1,150	$	159	$	1,085	$	—	$	—	$	11,685
OAEM (6)		—		—		—		—		—		—		—		—		—
Substandard (7)		—		—		—		—		—		—		—		—		—
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total Commercial		5,582		3,306		403		1,150		159		1,085		—		—		11,685
Consumer:
Performing		20,742		—		—		—		—		—		—		—		20,742
Nonperforming		—		—		—		—		—		—		—		—		—
Total Consumer		20,742		—		—		—		—		—		—		—		20,742
Total	$	26,324	$	3,306	$	403	$	1,150	$	159	$	1,085	$	—	$	—	$	32,427
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate:
Risk rating:
Pass (1-5)	$	95,410	$	221,889	$	106,385	$	93,228	$	32,546	$	218,875	$	16,290	$	—	$	784,623
OAEM (6)		—		—		1,772		1,711		6,624		—		—		—		10,107
Substandard (7)		—		6,301		266		—		—		2,018		50		—		8,635
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	95,410	$	228,190	$	108,423	$	94,939	$	39,170	$	220,893	$	16,340	$	—	$	803,365
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	(2)	$	—	$	—	$	(2)
Commercial:
Risk rating:
Pass (1-5)	$	25,398	$	16,289	$	27,545	$	37,927	$	18,196	$	60,126	$	42,595	$	—	$	228,076
OAEM (6)		—		11		420		1,500		9		—		250		—		2,190
Substandard (7)		—		—		—		—		58		—		273		—		331
Doubtful (8)		—		—		—		—		—		—		—		—		—
Total	$	25,398	$	16,300	$	27,965	$	39,427	$	18,263	$	60,126	$	43,118	$	—	$	230,597
Current period gross charge-offs	$	(11)	$	—	$	(287)	$	—	$	—	$	—	$	(161)	$	—	$	(459)
Consumer:
Performing		2,289		1,140		386		1,682		36		27		3,291		—		8,851
Nonperforming		—		—		—		1		—		—		1		—		2
Total	$	2,289	$	1,140	$	386	$	1,683	$	36	$	27	$	3,292	$	—	$	8,853
Current period gross charge-offs	$	(44)	$	—	$	—	$	—	$	(6)	$	—	$	(49)	$	—	$	(99)

Schedule Of Nonaccrual Loans And Loans Past Due Over 90 Days And Still On Accrual By Class Of Loans

	December 31, 2025						December 31, 2024
(Dollars in thousands)	Nonaccrual and Loans Past Due Over 90 Days+						Nonaccrual and Loans Past Due Over 90 Days+
					Loans Past Due						Loans Past Due
	Nonaccrual		Nonaccrual		Over 90 Days		Nonaccrual		Nonaccrual		Over 90 Days
	Without ACL		With ACL		Still Accruing		Without ACL		With ACL		Still Accruing
December 31, 2025
Residential Real Estate 1-4 Family
First liens	$	—	$	—	$	—	$	—	$	—	$	—
Junior liens and lines of credit		20		—		—		—		—		—
Total		20		—		—		—		—		—
Residential real estate - construction		—		—		—		—		—		—
Commercial real estate		1,029		7,119		—		—		—		—
Commercial		55		290		—		266		—		—
Consumer		—		—		5		—		—		2
Total	$	1,104	$	7,409	$	5	$	266	$	—	$	2

Aging Of Payments Of The Loan Portfolio

(Dollars in thousands)
	Loans Past Due						Total				Total
	30-59 Days		60-89 Days		90 Days+		Past Due		Current		Loans
December 31, 2025
Residential Real Estate 1-4 Family
First liens	$	145	$	855	$	—	$	1,000	$	275,897	$	276,897
Junior liens and lines of credit		333		160		20		513		90,976		91,489
Total		478		1,015		20		1,513		366,873		368,386
Residential real estate - construction		—		—		—		—		54,125		54,125
Commercial real estate		542		—		1,029		1,571		902,000		903,571
Commercial		500		1		345		846		224,653		225,499
Consumer		55		19		5		79		9,578		9,657
Total	$	1,575	$	1,035	$	1,399	$	4,009	$	1,557,229	$	1,561,238

	Loans Past Due						Total				Total
December 31, 2024	30-59 Days		60-89 Days		90 Days+		Past Due		Current		Loans
Residential Real Estate 1-4 Family
First liens	$	203	$	640	$	—	$	843	$	239,758	$	240,601
Junior liens and lines of credit		241		160		—		401		81,833		82,234
Total		444		800		—		1,244		321,591		322,835
Residential real estate - construction		—		—		—		—		32,427		32,427
Commercial real estate		380		219		—		599		802,766		803,365
Commercial		747		50		266		1,063		229,534		230,597
Consumer		30		4		2		36		8,817		8,853
Total	$	1,601	$	1,073	$	268	$	2,942	$	1,395,135	$	1,398,077

Allowance For Credit Losses (ACL), By Loan Segment

	Residential Real Estate 1-4 Family
	First		Junior Liens &				Commercial
(Dollars in thousands)	Liens		Lines of Credit		Construction		Real Estate		Commercial		Consumer		Total
ACL at December 31, 2024	$	1,497	$	461	$	376	$	12,004	$	3,182	$	133	$	17,653
Charge-offs		—		—		—		—		(36)		(131)		(167)
Recoveries		—		—		11		1		93		34		139
Provision		168		39		265		2,037		402		119		3,030
ACL at December 31, 2025	$	1,665	$	500	$	652	$	14,042	$	3,641	$	155	$	20,655
ALL at December 31, 2023	$	1,296	$	419	$	296	$	10,657	$	3,290	$	94	$	16,052
Charge-offs		—		—		—		(2)		(459)		(99)		(560)
Recoveries		3		—		14		4		130		35		186
Provision		198		42		66		1,345		221		103		1,975
ACL at December 31, 2024	$	1,497	$	461	$	376	$	12,004	$	3,182	$	133	$	17,653