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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Cash flows from operating activities:    
Net income $ 15,601 $ 10,999
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 3,054 2,469
Depreciation of premises and equipment 1,657 1,676
Accretion of building grant (3) (3)
Net amortization (accretion) of purchase accounting adjustments (2) (8)
Net amortization (accretion) of securities (1,343) (1,427)
Net realized loss on sale of securities 3,747 0
Proceeds from sale of loans in secondary market 1,672 590
Loans disbursed for sale in secondary market (1,651) (588)
Amortization of mortgage servicing rights 47 52
Gain on sale of loans (229) (215)
Accretion of purchased loan discount (1,648) 0
Amortization of intangible assets 0 8
Deferred tax (benefit) expense (841) (1,180)
Contribution of common stock to ESOP 0 500
Income from bank owned life insurance and annuity assets (986) (929)
Change in accrued interest receivable (671) (1,199)
Change in other liabilities (561) 1,891
Change in other assets 242 461
Net cash provided by operating activities 18,085 13,097
Cash flows from investing activities:    
Proceeds from sales of securities available for sale 33,201 0
Proceeds from maturities and paydowns of securities available for sale 132,961 34,741
Purchases of securities available for sale (143,285) (137,946)
Proceeds from calls and maturities of securities held to maturity 1,583 919
Purchases of restricted investments in bank stocks (251) (80)
Redemptions of restricted investments in bank stocks 0 110
Net change in loans (133,706) (90,997)
Purchases of premises and equipment (1,037) (1,433)
Disposals of premises and equipment 200 29
Purchases of bank owned life insurance and annuity assets (500) (772)
Withdrawals from bank owned life insurance and annuity assets 229 246
Net cash (used in) investing activities (110,605) (195,183)
Cash flows from financing activities:    
Change in deposits 54,489 148,042
Cash dividends (4,287) (4,177)
Purchases of treasury stock 0 (1,945)
Proceeds from Federal Home Loan Bank borrowings 10,000 2
Repayment of Federal Home Loan Bank borrowings (4,992) (4,962)
Change in other short-term borrowings 100 107
Net cash provided by financing activities 55,310 137,067
Cash and cash equivalents:    
Change in cash and cash equivalents (37,210) (45,019)
Cash and cash equivalents at beginning of year 83,107 128,126
Cash and cash equivalents at end of year 45,897 83,107
Supplemental disclosure:    
Cash paid for interest 26,142 28,322
Cash paid for income taxes 4,669 3,585
Operating lease liability arising from obtaining right-of-use asset $ 90 $ 0