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Segment Reporting
3 Months Ended
Mar. 31, 2025
Segment Reporting [Abstract]  
Segment Reporting SEGMENT REPORTING
The Corporation generates revenue through the operation of a full-service bank and manages the business activities on a consolidated basis. The nature of the products and services offered, and the types of customers served are similar across the geographic footprint the Bank operates in. The banking segment derives its revenue primarily through the operations as a full-service bank engaging in a full range of banking activities and services, including trust and wealth management services, for individual, business, governmental, and institutional customers. There are branch offices located in Pennsylvania, Ohio, New York and Virginia. The accounting policies of the banking segment are the same as those described in the summary of significant accounting policies. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment.

The Corporation’s CODM is the Chief Executive Officer, Michael D. Peduzzi. The CODM assesses performance for the banking segment and decides how to allocate resources based on consolidated net income as reported on the income statement. The measure of segment assets is reported on the balance sheet as total consolidated assets. The CODM uses net income to evaluate overall financial performance and profitability, and it is utilized as a key metric in evaluating the achievement of the corporation’s strategic plan. Net income is used to monitor budget versus actual results. The comparison of budgeted versus actual net income results are used in assessing the banking segment’s performance and in establishing management’s compensation.
Information reported internally for performance assessment by the CODM follows, including reconciliation to the financial statements.

Three Months Ended March 31,
20252024
Interest and Dividend Income:
Loans including fees
Interest and fees on loans$72,379 $71,513 
Investment Securities10,000 6,392 
Total interest and dividend income82,379 77,905 
Interest Expense:
Deposits32,634 31,548 
Borrowed funds1,314 1,135 
Total interest expense33,948 32,683 
NET INTEREST INCOME48,431 45,222 
PROVISION FOR CREDIT LOSS EXPENSE1,556 1,320 
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSS EXPENSE46,875 43,902 
NON-INTEREST INCOME:
Service charges on deposit accounts1,714 1,694 
Other service charges and fees510 695 
Wealth and asset management fees1,796 1,802 
Net unrealized gains (losses) on equity securities(249)191 
Mortgage banking96 196 
Bank owned life insurance760 767 
Card processing and interchange income2,107 2,016 
Other non-interest income1,773 1,594 
Total non-interest income8,507 8,955 
NON-INTEREST EXPENSES:
Salaries13,726 13,556 
Incentive1,768 393 
Benefits5,070 4,838 
Net occupancy expense4,038 3,640 
Technology expense5,378 5,072 
State and local taxes1,292 1,143 
Legal, professional and examination fees849 1,172 
Advertising514 685 
FDIC insurance985 990 
Card processing and interchange expenses1,160 1,179 
Merger Costs1,529 — 
Other non-interest expenses4,729 4,756 
Total non-interest expenses41,038 37,424 
INCOME BEFORE INCOME TAXES14,344 15,433 
INCOME TAX EXPENSE 2,863 2,833 
SEGMENT NET INCOME$11,481 $12,600 
Reconciliation of profit or loss
Adjustments and reconciling items— — 
CONSOLIDATED NET INCOME$11,481 $12,600 
Reconciliation of assets
Adjustments and reconciling items— — 
TOTAL CONSOLIDATED ASSETS$6,295,508 $5,801,412