BORROWED FUNDS (Tables)

12 Months Ended

Dec. 31, 2024

BORROWED FUNDS

Schedule of short term borrowings

(In Thousands)	December 31,		December 31,
	2024		2023
FHLB-Pittsburgh borrowings	$	0	$	31,500
Customer repurchase agreements		2,488		2,374
Total short-term borrowings	$	2,488	$	33,874

Schedule of long term borrowings

(In Thousands)	December 31,		December 31,
	2024		2023
Loans matured in 2024 with a weighted-average rate of 3.09%		0		32,161
Loans maturing in 2025 with a weighted-average rate of 4.30%		44,516		44,627
Loans maturing in 2026 with a weighted-average rate of 4.61%		48,018		35,518
Loans maturing in 2027 with a weighted-average rate of 4.24%		34,571		24,031
Loans maturing in 2028 with a weighted-average rate of 4.30%		26,027		2,000
Loans maturing in 2029 with a weighted-average rate of 4.42%		12,319		0
Total long-term FHLB-Pittsburgh borrowings	$	165,451	$	138,337

Schedule of outstanding senior notes

(In Thousands)	December 31,		December 31,
	2024		2023
Senior Notes with an aggregate par value of $15,000,000; bearing interest at 2.75% with an effective interest rate of 3.23%; maturing in June 2026	$	14,899	$	14,831
Total carrying value	$	14,899	$	14,831

Schedule of outstanding subordinated debt

(In Thousands)	December 31,		December 31,
	2024		2023
Agreements with a par value of $25,000,000; bearing interest at 3.25% with an effective interest rate of 3.74%; maturing in June 2031 and redeemable at par in June 2026	$	24,831	$	24,717
Total carrying value	$	24,831	$	24,717