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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Cash flows from operating activities:      
Net income (loss) $ 21,703 $ 9,166 $ 8,941
Adjustments to reconcile net income to net cash provided by operating activities:      
Depreciation 1,678 1,551 1,664
(Reduction of) provision for credit losses (162) (272) 80
Write-down of other real estate     155
Loss (gain) on sales of other real estate   97 (87)
Amortization of intangible asset 62 62 21
(Accretion) amortization of available for sale securities (2,101) (237) (12)
(Accretion) amortization of held to maturity securities 563 (2,091) 71
(Gain) loss on sale or disposition of bank premises and equipment (9) (30) 0
Increase in cash surrender value of life insurance (532) (486) (445)
Change in accrued interest receivable 4 (246) (433)
Change in deferred tax expense (benefit) (13,760) (1,690) (2,446)
Change in other assets (1,009) 2,789 215
Change in employee and director benefit plan liabilities and other liabilities (403) 438 184
Net cash provided by operating activities 6,034 9,051 7,908
Cash flows from investing activities:      
Proceeds from maturities, liquidation and calls of available for sale securities 198,497 54,123 89,879
Purchases of available for sale securities (163,069) (35,153) (108,832)
Proceeds from maturities of held to maturity securities 27,172 209,307 23,751
Purchases of held to maturity securities   (162,970) (108,831)
Purchases (redemptions) of Federal Home Loan Bank Stock 1,726 (159) (22)
Proceeds from sales of other real estate 9 1,114 1,564
Loans, net change 4,703 (1,272) 1,231
Proceeds from sale of bank premises and equipment 65 46  
Investment in cash surrender value of life insurance (119) (121) (173)
Net cash provided by (used in) investing activities 68,007 62,378 (104,227)
Cash flows from financing activities:      
Demand and savings deposits, net change 11,268 (86,067) 122,778
Time deposits, net change 20,972 (11,223) (41,836)
Cash dividends paid (2,039) (2,473) (889)
Stock repurchase (792) (208)  
Borrowings from Federal Home Loan Bank 840,650 769,350 567,750
Repayments to Federal Home Loan Bank (859,150) (750,850) (568,639)
Net cash (used in) provided by financing activities 10,909 (81,471) 79,164
Net (decrease) increase in cash and cash equivalents 84,950 (10,042) (17,155)
Cash and cash equivalents, beginning of period 22,794 32,836 49,991
Cash and cash equivalents, end of period 107,744 22,794 32,836
Supplemental disclosures of noncash investing activities      
Transfer from loans to other real estate owned 18 952  
Trust department book of business      
Cash flows from investing activities:      
Purchase of trust department book of business     (621)
Bank premises and equipment      
Cash flows from investing activities:      
Purchase of trust department book of business $ (977) $ (2,537) $ (2,173)