BORROWED FUNDS (Tables)

3 Months Ended

Mar. 31, 2025

BORROWED FUNDS

Schedule of short term borrowings

(In Thousands)	March 31,		December 31,
	2025		2024
FHLB-Pittsburgh borrowings	$	0	$	0
Customer repurchase agreements		571		2,488
Total short-term borrowings	$	571	$	2,488

Schedule of long term borrowings

(In Thousands)	March 31,		December 31,
	2025		2024
Loans maturing in 2025 with a weighted-average rate of 4.38%		33,488		44,516
Loans maturing in 2026 with a weighted-average rate of 4.61%		48,018		48,018
Loans maturing in 2027 with a weighted-average rate of 4.24%		34,571		34,571
Loans maturing in 2028 with a weighted-average rate of 4.30%		26,027		26,027
Loans maturing in 2029 with a weighted-average rate of 4.42%		12,319		12,319
Total long-term FHLB-Pittsburgh borrowings	$	154,423	$	165,451

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

BORROWED FUNDS

Schedule of outstanding debt

(In Thousands)	March 31,		December 31,
	2025		2024
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	$	14,917	$	14,899
Total carrying value	$	14,917	$	14,899

3.25% maturing in June 2031 and redeemable at par in June 2026

BORROWED FUNDS

Schedule of outstanding debt

(In Thousands)	March 31,		December 31,
	2025		2024
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	$	24,860	$	24,831
Total carrying value	$	24,860	$	24,831