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CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
INTEREST AND DIVIDEND INCOME    
Interest and fees on loans $ 28,270 $ 25,893
Interest on securities 4,856 4,064
Interest on deposits in other banks 2,661 3,039
Dividends on stock 21 22
Total Interest and Dividend Income 35,808 33,018
INTEREST EXPENSE    
Interest on deposits 11,198 11,655
Total Interest Expense 11,198 11,655
Net Interest Income 24,610 21,363
Provision for credit losses 450 300
Net Interest Income After Provision for Credit Losses 24,160 21,063
NONINTEREST INCOME    
Service charges on deposit accounts 1,383 1,368
Debit card income, net 992 1,022
Mortgage loan income 530 456
Brokerage income 1,325 987
Loan and deposit income 459 492
Bank-owned life insurance income 213 202
Gain (Loss) on equity securities 44 (31)
SBIC income 280 352
Other income (loss) 46 80
Total Noninterest Income 5,272 4,928
OPERATING EXPENSES    
Personnel expenses 10,023 9,550
Occupancy and equipment expenses 1,794 1,616
Technology expenses 835 709
Advertising 333 337
Other business development expenses 558 475
Data processing expense 288 347
Other taxes 612 737
Loan and deposit expenses 62 (42)
Legal and professional expenses 632 618
Regulatory assessment expenses 391 404
Other operating expenses 1,060 1,122
Total Operating Expenses 16,588 15,873
Income Before Income Tax Expense 12,844 10,118
Income tax expense 2,492 1,930
Net Income $ 10,352 $ 8,188
EARNINGS PER SHARE    
Basic (in dollars per share) $ 1.53 $ 1.16
Diluted (in dollars per share) $ 1.52 $ 1.16