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Consolidated Statements of Cash Flows - USD ($)
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Operating Activities    
Net income $ 7,753,000 $ 7,402,000
Items not requiring (providing) cash:    
Depreciation and amortization 1,226,000 1,079,000
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)
Amortization of premiums and discounts on securities-net 422,000 435,000
Amortization of intangible assets 122,000 150,000
Deferred income taxes (633,000) (904,000)
Originations of loans held for sale (16,591,000) (15,556,000)
Proceeds from sale of loans held for sale 17,092,000 16,038,000
Net gains on sales of loans (501,000) (482,000)
Expense related to share-based compensation plans 357,000 884,000
Realized (gain) loss on sale of available-for-sale securities (841,000) 116,000
Net loss (gain) or on sale or write-down of foreclosed assets and other repossessed assets 771,000 7,000
Increase in cash surrender value of bank-owned life insurance (401,000) (429,000)
Amortization of debt issuance costs 62,000 61,000
Changes in:    
Accrued interest receivable 370,000 (254,000)
Other assets (349,000) (2,154,000)
Interest payable and other liabilities 923,000 1,756,000
Net cash provided by operating activities 10,456,000 8,448,000
Investing Activities    
Purchases of available-for-sale securities (35,934,000) (46,120,000)
Sales of available-for-sale securities 48,521,000 27,431,000
Maturities, prepayments and calls 5,715,000 17,060,000
Net change in loans (491,000) (8,155,000)
Purchase of Federal Home Loan Bank Stock (4,000) (47,000)
Purchase of bank-owned life insurance (10,667,000)  
Purchases of premises and equipment, net (11,778,000) (9,695,000)
Proceeds from sale of premises and equipment 56,000  
Proceeds from sales of foreclosed assets 67,000 61,000
Net cash used in investing activities (4,515,000) (19,465,000)
Financing Activities    
Net increase (decrease) in deposits 27,872,000 (7,965,000)
Net change in securities sold under repurchase agreements (1,091,000) 3,713,000
Repurchase of common stock (317,000) (687,000)
Finance lease payments (1,000)  
Cash dividends paid (5,484,000) (5,113,000)
Net cash provided (used in) by financing activities 20,979,000 (10,145,000)
Increase (Decrease) in Cash and Cash Equivalents 26,920,000 (21,162,000)
Cash and Cash Equivalents, Beginning of Year 19,608,000 40,770,000
Cash and Cash Equivalents, End of Year 46,528,000 19,608,000
Supplemental Cash Flows Information    
Interest paid on deposits and borrowings 15,248,000 14,623,000
Federal income taxes paid 182,000 102,000
Supplemental Disclosure of Non-Cash Investing Activities    
Transfers from loans to foreclosed assets held for sale $ 15,000 $ 54,000