CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income (loss)	$ 6,775,000	$ (15,490,000)
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses on loans	769,000	1,492,000
(Release of) provision for credit losses on unfunded commitments	(12,000)	7,000
Goodwill impairment	0	19,133,000
Depreciation and amortization	943,000	726,000
Net (discount accretion) premium amortization on securities	(5,000)	276,000
Deferred income tax expense (benefit)	252,000	(42,000)
Net gains on sales of mortgage loans	(97,000)	(68,000)
Proceeds from sales of mortgage loans originated for sale	3,792,000	2,849,000
Originations of mortgage loans originated for sale	(3,071,000)	(2,995,000)
Net securities (gains) losses	(128,000)	48,000
Increase in accrued interest receivable	(82,000)	(58,000)
Increase in cash surrender value of bank owned life insurance	(492,000)	(498,000)
Gain from bank-owned life insurance proceeds	(255,000)	0
Net losses on disposals of premises and equipment	12,000	2,000
Increase in other assets	(94,000)	(277,000)
Amortization of investment in low-income housing partnerships	614,000	614,000
Increase (decrease) in accrued interest payable	1,023,000	(233,000)
(Decrease) increase in other liabilities	(749,000)	1,078,000
NET CASH PROVIDED BY OPERATING ACTIVITIES	9,195,000	6,564,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from maturities and redemptions of debt securities available-for-sale	41,836,000	56,749,000
Purchases of debt securities available-for-sale	(51,918,000)	(61,439,000)
Net change in restricted investment in bank stocks	40,000	120,000
Net increase in loans	(10,347,000)	(24,067,000)
Proceeds from bank-owned life insurance	1,237,000	0
Purchase of premises and equipment	(329,000)	(1,424,000)
Purchase of investment in real estate venture	0	(10,000)
NET CASH USED IN INVESTING ACTIVITIES	(19,481,000)	(30,071,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	146,614,000	39,470,000
Net (decrease) increase in short-term borrowings	(1,570,000)	14,007,000
Repayment of long-term borrowings	0	(20,000,000)
Dividends paid, net of reinvestment	(4,757,000)	(2,959,000)
NET CASH PROVIDED BY FINANCING ACTIVITIES	140,287,000	30,518,000
INCREASE IN CASH AND CASH EQUIVALENTS	130,001,000	7,011,000
CASH AND CASH EQUIVALENTS, BEGINNING	147,255,000	24,024,000
CASH AND CASH EQUIVALENTS, ENDING	17,254,000	17,013,000
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid	28,052,000	29,384,000
Income taxes paid	578,000	11,000
SUPPLEMENTAL DISCLOSURE OF NON-CASH ACTIVITIES
Right-of-use assets obtained in exchange for lease liabilities	$ 33,000	$ 33,000