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Consolidated Statements of Income - USD ($)
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Interest and Dividend Income    
Loans $ 30,610,000 $ 28,325,000
Taxable 1,398,000 2,003,000
Tax-exempt 7,712,000 7,363,000
Federal funds sold 1,404,000 1,446,000
Dividends on Federal Home Loan Bank and other stock 365,000 384,000
Total interest and dividend income 41,489,000 39,521,000
Interest Expense    
Deposits 8,603,000 8,146,000
Borrowings 6,426,000 6,575,000
Total interest expense 15,029,000 14,721,000
Net Interest Income 26,460,000 24,800,000
Credit Loss Expense    
Provision for (reversal of) Credit Loss expense - loans 624,000 429,000
Provision for (reversal of) Credit Loss expense - off balance sheet 50,000 (130,000)
Provision for (reversal of) credit loss expense 674,000 299,000
Net Interest Income After Provision for (reversal of) Credit Losses 25,786,000 24,501,000
Noninterest Income    
Customer service fees 3,214,000 2,993,000
Net gains on loan sales 501,000 482,000
Earnings on bank-owned life insurance 768,000 761,000
Realized gain (loss) on sale of available-for-sale securities, net 841,000 (116,000)
Other 695,000 340,000
Total noninterest income 6,019,000 4,460,000
Noninterest Expense    
Salaries and employee benefits 11,825,000 10,083,000
Net occupancy and equipment expense 2,552,000 2,318,000
Professional fees 1,665,000 1,819,000
Data processing and related electronic services 1,664,000 1,709,000
Insurance 664,000 622,000
Deposit insurance premiums 377,000 372,000
Franchise and other taxes 502,000 585,000
Advertising expense 529,000 425,000
Printing and office supplies 125,000 112,000
Amortization of intangible assets 122,000 150,000
Other real estate owned valuation allowance and expenses 771,000 9,000
Other 3,342,000 3,462,000
Total noninterest expense 24,138,000 21,666,000
Income Before Federal Income Taxes 7,667,000 7,295,000
(Credit) Provision for Federal Income Taxes (86,000) (107,000)
Net Income $ 7,753,000 $ 7,402,000
Basic Earnings Per Share (in dollars per share) $ 1.34 $ 1.27
Diluted Earnings Per Share (in dollars per share) $ 1.34 $ 1.27