Loans and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2025

Loans and Allowance for Credit Losses

Schedule of categories by purpose of loans

	2025		2024
	(In thousands)
Commercial and industrial loans	$	92,019	$	98,795
Commercial real estate
Commercial real estate - secured by residential mortgages		62,963		47,822
Commercial real estate - other		240,085		243,851
Residential real estate		89,580		91,737
Consumer loans		6,912		8,766
Total gross loans		491,559		490,971
Less allowance for credit losses		(4,261)		(4,026)
Total loans	$	487,298	$	486,945

Schedule of allowance for credit losses by collateral type and recorded investment in loans by purpose

	2025
	Commercial		Commercial		Residential
	and Industrial		Real Estate		Real Estate		Consumer		Total
	(In thousands)
Allowance for loan losses:
Balance, beginning of year	$	557	$	2,115	$	1,223	$	131	$	4,026
Provision for (reversal of) charged to expense		233		456		(181)		116		624
Losses charged off		(255)		—		(8)		(174)		(437)
Recoveries		9		—		—		39		48
Balance, end of year	$	544	$	2,571	$	1,034	$	112	$	4,261
Ending balance: individually evaluated for impairment	$	—	$	425	$	—	$	—	$	425
Ending balance: collectively evaluated for impairment	$	544	$	2,146	$	1,034	$	112	$	3,836
Loans:
Ending balance: individually evaluated for impairment	$	312	$	1,385	$	453	$	—	$	2,150
Ending balance: collectively evaluated for impairment	$	91,707	$	301,663	$	89,127	$	6,912	$	489,409

	2024
	Commercial		Commercial		Residential
	and Industrial		Real Estate		Real Estate		Consumer		Total
	(In thousands)
Allowance for credit losses:
Balance, beginning of year	$	479	$	1,985	$	1,360	$	94	$	3,918
Provision for (reversal of) credit losses		203		120		(120)		226		429
Losses charged off		(127)		—		(17)		(216)		(360)
Recoveries		2		10		—		27		39
Balance, end of year	$	557	$	2,115	$	1,223	$	131	$	4,026
Ending balance: individually evaluated for credit loss	$	—	$	—	$	—	$	—	$	—
Ending balance: collectively evaluated for credit loss	$	557	$	2,115	$	1,223	$	131	$	4,026
Loans:
Ending balance: individually evaluated for credit loss	$	—	$	16	$	203	$	—	$	219
Ending balance: collectively evaluated for credit loss	$	98,795	$	291,657	$	91,534	$	8,766	$	490,752

Schedule of portfolio quality indicators

Based on the most recent analysis performed, the following table presents the recorded investment in non-homogeneous loans by internal risk rating system as of December 31, 2025 (in thousands):

													Revolving		Revolving
													Loans		Loans
													Amortized		Converted
December 31, 2025	2025		2024		2023		2022		2021		Prior		Cost Basis		to Term		Total
Commercial and industrial
Risk Rating
Pass	$	16,029	$	17,946	$	11,518	$	7,127	$	3,815	$	13,946	$	20,293	$	—	$	90,674
Special Mention		—		—		—		—		—		—		1,033		—		1,033
Substandard		—		—		—		26		—		170		116		—		312
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	16,029	$	17,946	$	11,518	$	7,153	$	3,815	$	14,116	$	21,442	$	—	$	92,019
Commercial and industrial
Current period gross charge-offs	$	—	$	—	$	39	$	—	$	—	$	27	$	189	$	—	$	255
Commercial real estate
Risk Rating
Pass	$	22,707	$	19,186	$	28,952	$	29,460	$	39,927	$	85,508	$	65,095	$	—	$	290,835
Special Mention		—		—		—		308		4,198		4,283		—		—		8,789
Substandard		—		—		—		—		368		3,056		—		—		3,424
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	22,707	$	19,186	$	28,952	$	29,768	$	44,493	$	92,847	$	65,095	$	—	$	303,048
Commercial real estate
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Total
Pass	$	38,736	$	37,132	$	40,470	$	36,587	$	43,742	$	99,454	$	85,388	$	—	$	381,509
Special Mention		—		—		—		308		4,198		4,283		1,033		—		9,822
Substandard		—		—		—		26		368		3,226		116		—		3,736
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	38,736	$	37,132	$	40,470	$	36,921	$	48,308	$	106,963	$	86,537	$	—	$	395,067
Current period gross charge-offs	$	—	$	—	$	39	$	—	$	—	$	27	$	189	$	—	$	255

. The following table presents the amortized cost in residential and consumer loans based on payment activity (in thousands):

													Revolving		Revolving
													Loans		Loans
													Amortized		Converted
December 31, 2025	2025		2024		2023		2022		2021		Prior		Cost Basis		to Term		Total
Residential Real Estate
Payment Performance
Performing	$	10,113	$	7,972	$	8,730	$	14,302	$	13,348	$	34,556	$	—	$	—	$	89,021
Nonperforming		254		22		—		—		—		283		—		—		559
Total	$	10,367	$	7,994	$	8,730	$	14,302	$	13,348	$	34,839	$	—	$	—	$	89,580
Residential real estate
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	4	$	4	$	—	$	—	$	8
Consumer
Payment Performance
Performing	$	1,858	$	2,968	$	787	$	398	$	202	$	643	$	46	$	—	$	6,902
Nonperforming		—		—		—		—		—		10		—		—		10
Total	$	1,858	$	2,968	$	787	$	398	$	202	$	653	$	46	$	—	$	6,912
Consumer
Current period gross charge-offs	$	136	$	7	$	29	$	2	$	—	$	—	$	—	$	—	$	174
Total
Payment Performance
Performing	$	11,971	$	10,940	$	9,517	$	14,700	$	13,550	$	35,202	$	46	$	—	$	95,926
Nonperforming		254		22		—		—		—		294		—		—		570
Total	$	12,225	$	10,962	$	9,517	$	14,700	$	13,550	$	35,496	$	46	$	—	$	96,496
Current period gross charge-offs	$	136	$	7	$	29	$	2	$	4	$	4	$	—	$	—	$	182

Based on the most recent analysis performed, the following table presents the recorded investment in non - homogeneous loans by internal risk rating system as of December 31, 2024 (in thousands):

													Revolving		Revolving
													Loans		Loans
													Amortized		Converted
December 31, 2024	2024		2023		2022		2021		2020		Prior		Cost Basis		to Term		Total
Commercial and industrial
Risk Rating
Pass	$	22,474	$	17,993	$	11,487	$	8,082	$	10,099	$	8,295	$	19,068	$	—	$	97,498
Special Mention		—		—		26		—		—		185		1,086		—		1,297
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	22,474	$	17,993	$	11,513	$	8,082	$	10,099	$	8,480	$	20,154	$	—	$	98,795
Commercial and industrial
Current period gross charge-offs	$	—	$	127	$	—	$	—	$	—	$	—	$	—	$	—	$	127
Commercial real estate
Risk Rating
Pass	$	19,554	$	30,858	$	32,972	$	36,870	$	31,461	$	68,279	$	57,096	$	—	$	277,090
Special Mention		—		—		315		242		—		7,781		6,229		—		14,567
Substandard		—		—		—		—		—		16		—		—		16
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	19,554	$	30,858	$	33,287	$	37,112	$	31,461	$	76,076	$	63,325	$	—	$	291,673
Commercial real estate
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Total
Pass	$	42,028	$	48,851	$	44,459	$	44,952	$	41,560	$	76,574	$	76,164	$	—	$	374,588
Special Mention		—		—		341		242		—		7,966		7,315		—		15,864
Substandard		—		—		—		—		—		16		—		—		16
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	42,028	$	48,851	$	44,800	$	45,194	$	41,560	$	85,556	$	83,479	$	—	$	390,468
Current period gross charge-offs	$	—	$	127	$	—	$	—	$	—	$	—	$	—	$	—	$	127

The following table presents the amortized cost in residential and consumer loans based on payment activity (in thousands):

													Revolving		Revolving
													Loans		Loans
													Amortized		Converted
December 31, 2024	2024		2023		2022		2021		2020		Prior		Cost Basis		to Term		Total
Residential Real Estate
Payment Performance
Performing	$	9,480	$	10,469	$	16,912	$	15,174	$	17,401	$	21,993	$	—	$	—	$	91,429
Nonperforming		—		22		—		17		—		269		—		—		308
Total	$	9,480	$	10,491	$	16,912	$	15,191	$	17,401	$	22,262	$	—	$	—	$	91,737
Residential real estate
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	17	$	—	$	—	$	17
Consumer
Payment Performance
Performing	$	4,619	$	1,427	$	798	$	349	$	275	$	907	$	376	$	—	$	8,751
Nonperforming		—		—		—		—		15		—		—		—		15
Total	$	4,619	$	1,427	$	798	$	349	$	290	$	907	$	376	$	—	$	8,766
Consumer
Current period gross charge-offs	$	144	$	72	$	—	$	—	$	—	$	—	$	—	$	—	$	216
Total
Payment Performance
Performing	$	14,099	$	11,896	$	17,710	$	15,523	$	17,676	$	22,900	$	376	$	—	$	100,180
Nonperforming		—		22		—		17		15		269		—		—		323
Total	$	14,099	$	11,918	$	17,710	$	15,540	$	17,691	$	23,169	$	376	$	—	$	100,503
Current period gross charge-offs	$	144	$	72	$	—	$	—	$	—	$	17	$	—	$	—	$	233

Schedule of loan portfolio aging analysis

The following table shows the loan portfolio aging analysis of the recorded investment in loans as of December 31, 2025:

	30‑59 Days		60‑89 Days		Greater
	Past		Past		Than 90				Total Past
	Due and		Due and		Days and		Non		Due and				Total Loans
	Accruing		Accruing		Accruing		Accrual		Non Accrual		Current		Receivable
	(In thousands)
Commercial and industrial	$	19	$	—	$	—	$	312	$	331	$	91,688	$	92,019
Commercial real estate		124		4,198		—		1,385		5,707		297,341		303,048
Residential		551		45		—		559		1,155		88,425		89,580
Consumer		36		—		—		10		46		6,866		6,912
Total	$	730	$	4,243	$	—	$	2,266	$	7,239	$	484,320	$	491,559

The following table shows the loan portfolio aging analysis of the recorded investment in loans as of December 31, 2024:

	30‑59 Days		60‑89 Days		Greater
	Past		Past		Than 90				Total Past
	Due and		Due and		Days and		Non		Due and				Total Loans
	Accruing		Accruing		Accruing		Accrual		Non Accrual		Current		Receivable
	(In thousands)
Commercial and industrial	$	—	$	43	$	41	$	170	$	254	$	98,541	$	98,795
Commercial real estate		48		—		—		258		307		291,366		291,673
Residential		95		30		—		308		432		91,305		91,737
Installment		15		2		15		—		32		8,734		8,766
Total	$	158	$	75	$	56	$	736	$	1,025	$	489,946	$	490,971

Schedule of amortized cost basis of loans on nonaccrual status and loans past due over 90 days still accruing interest

The following table present the amortized cost basis of loans on nonaccrual status and loans past due over 90 days still accruing interest as of December 31, 2025:

							Loans Past
							Due Over 90 Days		Total
	Nonaccrual with no ACL		Nonaccrual with ACL		Total Nonaccrual		Still Accruing		Nonperforming
		(In thousands)
Commercial and industrial	$	312	$	—	$	312	$	—	$	312
Commercial real estate		1		1,384		1,385		—		1,385
Residential		559		—		559		—		559
Consumer		10		—		10		—		10
Total	$	882	$	1,384	$	2,266	$	—	$	2,266

The following table present the amortized cost basis of loans on nonaccrual status and loans past due over 90 days still accruing interest as of December 31, 2024:

							Loans Past
							Due Over 90 Days		Total
	Nonaccrual with no ACL		Nonaccrual with ACL		Total Nonaccrual		Still Accruing		Nonperforming
		(In thousands)
Commercial and industrial	$	170	$	—	$	170	$	41	$	211
Commercial real estate		258		—		258		—		258
Residential		308		—		308		—		308
Consumer		—		—		—		15		15
Total	$	736	$	—	$	736	$	56	$	792