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Consolidated Balance Sheet (Current Period Unaudited) - USD ($)
Jun. 30, 2025
Dec. 31, 2024
Assets [Abstract]    
Cash and due from banks $ 59,145,000 $ 46,037,000
Federal funds sold 13,701,000 9,755,000
Cash and cash equivalents 72,846,000 55,792,000
Investment securities available for sale, at fair value 161,116,000 165,802,000
Other investments 1,014,000 855,000
Loans held for sale 152,000 0
Loans:    
Loans [1],[2] 1,581,925,000 1,519,614,000
Less: allowance for credit losses [1],[2] 22,335,000 22,447,000
Net loans [1],[2] 1,559,590,000 1,497,167,000
Premises and equipment, net 20,304,000 20,565,000
Premises and equipment held for sale 1,015,000 0
Goodwill 36,356,000 36,356,000
Core deposit intangibles 5,112,000 5,611,000
Bank-owned life insurance 35,102,000 35,259,000
Interest Receivable and Other Assets 31,762,000 35,952,000
TOTAL ASSETS 1,924,369,000 1,853,359,000
LIABILITIES    
Noninterest-bearing demand 371,155,000 377,875,000
Interest-bearing demand 236,239,000 208,291,000
Money market 466,935,000 414,074,000
Savings 184,534,000 197,749,000
Time 334,755,000 247,704,000
Total deposits 1,593,618,000 1,445,693,000
Federal Home Loan Bank advances 89,000,000 172,400,000
Other borrowings 11,557,000 11,660,000
Accrued interest payable and other liabilities 14,142,000 13,044,000
TOTAL LIABILITIES 1,708,317,000 1,642,797,000
STOCKHOLDERS' EQUITY    
Common stock, no par value; 25,000,000 shares authorized, 9,960,503 and 9,953,018 shares issued; 8,081,193 and 8,073,708 shares outstanding 162,195,000 161,999,000
Additional paid-in capital 811,000 246,000
Retained earnings 116,892,000 109,299,000
Accumulated other comprehensive loss (22,937,000) (20,073,000)
Treasury stock, at cost; 1,879,310 and 1,879,310 shares (40,909,000) (40,909,000)
TOTAL STOCKHOLDERS' EQUITY 216,052,000 210,562,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,924,369,000 1,853,359,000
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loan [Member]    
Loans:    
Loans [1],[2] 196,645,000 181,447,000
Less: allowance for credit losses 2,538,000 2,100,000
Commercial Real Estate Portfolio Segment [Member] | Non-owner occupied Loan [Member]    
Loans:    
Loans [1],[2] 405,032,000 412,291,000
Less: allowance for credit losses 4,628,000 8,364,000
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member]    
Loans:    
Loans [1],[2] 79,497,000 89,849,000
Less: allowance for credit losses 1,057,000 1,310,000
Residential Portfolio Segment [Member]    
Loans:    
Loans [1],[2] 357,217,000 353,442,000
Less: allowance for credit losses 5,801,000 5,236,000
Commercial And Industrial [Member]    
Loans:    
Loans [1],[2] 257,519,000 229,034,000
Less: allowance for credit losses 3,014,000 2,427,000
Home Equity Lines of Credit [Member]    
Loans:    
Loans [1],[2] 156,297,000 143,379,000
Less: allowance for credit losses 988,000 897,000
Construction and Other [Member]    
Loans:    
Loans [1],[2] 123,531,000 103,608,000
Less: allowance for credit losses 4,234,000 2,052,000
Consumer Portfolio Segment [Member]    
Loans:    
Loans [1],[2] 6,187,000 6,564,000
Less: allowance for credit losses $ 75,000 $ 61,000
[1] Accrued interest of $5.5 million and $5.5 million at June 30, 2025 and December 31, 2024, respectively, is excluded from amortized cost and presented in "accrued interest receivable and other assets" on the Consolidated Balance Sheets.
[2] Unearned income, including net deferred loan fees and costs and unamortized premiums and discounts, totaled $7.1 million and $8.2 million at June 30, 2025 and December 31, 2024, respectively.