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CONSOLIDATED STATEMENT OF INCOME - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
INTEREST AND DIVIDEND INCOME:    
Interest and fees on loans $ 36,362 $ 35,556
Interest-bearing deposits with banks 103 143
Investment securities:    
Taxable 2,511 2,339
Nontaxable 879 547
Dividends 422 429
TOTAL INTEREST AND DIVIDEND INCOME 40,277 39,014
INTEREST EXPENSE:    
Deposits 11,305 12,294
Borrowed funds 2,859 3,718
TOTAL INTEREST EXPENSE 14,164 16,012
NET INTEREST INCOME 26,113 23,002
Provision for credit losses 500 625
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 25,613 22,377
NON-INTEREST INCOME:    
Service charges 1,324 1,291
Trust 235 224
Brokerage and insurance 569 683
Gains on loans sold 265 272
Equity security gains (losses), net 19 (11)
Earnings on bank owned life insurance 570 346
Other 708 622
TOTAL NON-INTEREST INCOME 3,690 3,427
NON-INTEREST EXPENSES:    
Salaries and employee benefits 10,276 10,289
Occupancy 1,412 1,356
Furniture and equipment 287 265
Professional fees 540 517
FDIC insurance 395 450
Pennsylvania shares tax 377 319
Amortization of intangibles 106 127
Software expenses 455 432
Other real estate owned expenses 196 119
Other 2,557 2,504
TOTAL NON-INTEREST EXPENSES 16,601 16,378
Income before provision for income taxes 12,702 9,426
Provision for income taxes 2,326 1,805
NET INCOME $ 10,376 $ 7,621
Net Income - Basic (in Dollars per share) $ 2.16 $ 1.59
Net Income - Diluted (in Dollars per share) $ 2.16 $ 1.59
Number of shares used in computation - basic (in Shares) 4,798,170 4,797,611
Number of shares used in computation - diluted (in Shares) 4,799,078 4,799,016