CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 1,959	$ 1,053
Adjustments to reconcile net income to net cash provided by operating activities:
(Recovery of) provision for credit losses on loans	(390)	751
Provision for (recovery of) credit losses on unfunded commitments	54	(13)
Depreciation and amortization	348	269
Net (discount accretion) premium amortization on securities	(48)	50
Deferred income tax expense (benefit)	34	(105)
Net gains on sales of mortgage loans	(46)	(20)
Proceeds from sales of mortgage loans originated for sale	1,948	1,049
Originations of mortgage loans originated for sale	(1,215)	(857)
Net securities (gains) losses	(174)	86
Decrease (increase) in accrued interest receivable	153	(76)
Increase in cash surrender value of bank owned life insurance	(170)	(165)
Gain from bank-owned life insurance proceeds	0	(235)
Increase in other assets	(1,583)	(1,734)
Amortization of investment in low-income housing partnerships	204	214
(Decrease) increase in accrued interest payable	(55)	386
Increase (decrease) in other liabilities	1,176	(345)
NET CASH PROVIDED BY OPERATING ACTIVITIES	2,195	308
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from maturities and redemptions of debt securities available-for-sale	10,543	13,126
Purchases of debt securities available-for-sale	(4,000)	0
Net change in restricted investment in bank stocks	0	(351)
Net decrease (increase) in loans originated as held for investment	15,139	(16,257)
Proceeds from bank-owned life insurance	0	1,229
Purchase of premises and equipment	(84)	(141)
Purchase of investment in real estate venture	0	(10)
NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES	21,598	(2,404)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net decrease in deposits	(6,148)	(487)
Net (decrease) increase in short-term borrowings	(761)	5,862
Dividends paid, net of reinvestment	(1,294)	(1,741)
NET CASH (USED IN) PROVIDED BY FINANCING ACTIVITIES	(8,203)	3,634
INCREASE IN CASH AND CASH EQUIVALENTS	15,590	1,538
CASH AND CASH EQUIVALENTS, BEGINNING	121,249	17,254
CASH AND CASH EQUIVALENTS, ENDING	136,839	18,792
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid	10,166	9,054
Income taxes paid	3	0
SUPPLEMENTAL DISCLOSURE OF NON-CASH ACTIVITIES
Right-of-use assets obtained in exchange for lease liabilities	$ 34	$ 33