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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2025
Dec. 31, 2024
Assets    
Cash and due from banks $ 9,381 $ 8,171
Interest-bearing demand deposits 37,147 11,437
Cash and cash equivalents 46,528 19,608
Available-for-sale securities, amortized cost of $240,793 and $252,761 at December 31, 2025 and 2024 234,204 240,631
Loans, net of allowance for credit losses of $4,261 and $4,026 at December 31, 2025 and 2024, respectively 487,298 486,945
Premises and equipment 34,095 23,599
Federal Home Loan Bank stock 4,030 4,026
Foreclosed assets held for sale, net 2,540 3,363
Core deposit intangible assets   122
Goodwill 682 682
Accrued interest receivable 3,982 4,322
Deferred federal income tax 3,383 4,011
Bank-owned life insurance 30,920 19,852
Other assets 9,783 9,495
Total Assets 857,445 816,656
Deposits    
Demand 335,422 320,690
Savings 124,213 125,120
Time 181,731 167,684
Total deposits 641,366 613,494
Securities sold under repurchase agreements 29,403 30,494
Subordinated debentures 23,909 23,847
Advances Federal Home Loan Bank 75,000 75,000
Lease liability - finance lease 2,958 2,873
Interest payable and other liabilities 14,294 7,491
Total liabilities 786,930 753,199
Stockholders' Equity    
Preferred stock, no par value, authorized 2,000,000 shares; no shares issued
Common stock, $1 par value; authorized 10,000,000 shares; issued 2025 - 6,213,141 shares, 2024 - 6,203,141 shares; outstanding 2025 - 5,756,852 shares, 2024 - 5,793,611 shares 6,213 6,203
Additional paid-in capital 27,073 26,373
Retained earnings 48,576 46,307
Stock held by deferred compensation plan; 2025 - 194,971 shares, 2024 - 172,667 shares (2,431) (2,078)
Accumulated other comprehensive loss (5,351) (10,100)
Treasury stock, at cost 2025 - 261,318 shares, 2024 - 236,863 shares (3,565) (3,248)
Total stockholders' equity 70,515 63,457
Total liabilities and stockholders' equity $ 857,445 $ 816,656