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Consolidated Balance Sheets - USD ($)
Dec. 31, 2025
Dec. 31, 2024
Assets [Abstract]    
Cash and Cash Equivalents $ 75,335,000 $ 178,277,000
Certificates of Deposit with Other Banks 1,250,000 1,250,000
Investments:    
Fair value, AFS 663,467,000 525,623,000
Held To Maturity ("HTM") (Fair Value of $111,009 and $130,902 at December 31, 2025 and December 31, 2024, Respectively) 112,818,000 135,200,000
Total Investments 776,285,000 660,823,000
Loans Receivable, Net:    
Held For Sale 3,126,000 599,000
Held For Investment (Net of Allowance of $13,529 and $13,894 at December 31, 2025 and December 31, 2024, Respectively) 673,056,000 686,550,000
Total Loans Receivable, Net 676,182,000 687,149,000
Interest Receivable 4,914,000 5,374,000
Operating Lease Right-of-Use Assets 1,023,000 927,000
Land Held for Sale 702,000 938,000
Premises and Equipment, Net 32,742,000 29,321,000
Federal Home Loan Bank ("FHLB") Stock, at Cost 1,083,000 1,089,000
Other Real Estate Owned ("OREO") 45,000 0
Bank Owned Life Insurance ("BOLI") 34,454,000 28,660,000
Goodwill 1,200,000 1,200,000
Other Assets 12,869,000 16,765,000
Total Assets 1,618,084,000 1,611,773,000
Liabilities:    
Deposit Accounts 1,371,777,000 1,324,033,000
Borrowings from Federal Reserve Bank ("FRB") 0 50,000,000
Other Borrowings 25,262,000 27,809,000
Junior Subordinated Debentures 0 5,155,000
Subordinated Debentures 10,000,000 10,000,000
Operating Lease Liabilities 1,047,000 959,000
Other Liabilities 9,543,000 11,428,000
Total Liabilities 1,417,629,000 1,429,384,000
Commitments (Note 18)
Shareholders' Equity:    
Senior Non-Cumulative Perpetual Preferred Stock, Series ECIP, $1,000 Par Value; (82,949 Shares Authorized, Issued and Outstanding at December 31, 2025 and 2024) 82,949,000 82,949,000
Common Stock, $0.01 Par Value; 5,000,000 Shares Authorized; 3,459,388 Shares Issued and 3,113,843 Shares Outstanding at December 31, 2025 and 3,458,050 Shares Issued and 3,186,571 Shares Outstanding at December 31, 2024 35,000 35,000
Additional Paid-In Capital ("APIC") 18,378,000 18,336,000
Treasury Stock, at Cost (345,545 and 271,479 Shares Outstanding at December 31, 2025 and 2024, Respectively) (8,241,000) (5,964,000)
Accumulated Other Comprehensive Loss ("AOCL") (20,608,000) (31,105,000)
Retained Earnings 127,942,000 118,138,000
Total Shareholders' Equity 200,455,000 182,389,000
Total Liabilities and Shareholders' Equity $ 1,618,084,000 $ 1,611,773,000