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SEGMENT REPORTING

9 Months Ended

Sep. 30, 2025

SEGMENT REPORTING

Segment Reporting Disclosure [Text Block]

13. SEGMENT REPORTING

The Corporation’s one reportable segment is determined by the President and Chief Executive Officer, who is the designated chief operating decision maker, based upon information provided about the Corporation’s products and services offered, primarily community banking operations. The chief operating decision maker uses consolidated net income to assess performance by comparing it to and monitoring it against budget and prior year results.  In addition, the chief operating decision maker uses the consolidated net income to benchmark the Corporation against its competitors. This information is used to manage resources to drive business and net earnings growth, including investment in key strategic priorities, as well as determine the Corporation's ability to return capital to shareholders. Loans, investments, deposits and assets held in a fiduciary or custodial capacity provide the revenues in the banking operation. Interest expense, provisions for credit losses, and payroll provide the significant expenses in the banking operation. All operations are domestic.

Segment performance is evaluated using consolidated net income.

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Three Months Ended

Nine Months Ended

(In Thousands)

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September 30, 2025

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September 30, 2024

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September 30, 2025

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September 30, 2024

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Interest income

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$

33,650

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$

33,087

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$

97,813

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$

94,749

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Interest expense

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11,387

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12,931

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34,433

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36,107

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Net interest income

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22,263

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20,156

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63,380

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58,642

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Provision for credit losses

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2,163

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1,207

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4,753

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2,726

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Net interest income after provision for credit losses

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20,100

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18,949

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58,627

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55,916

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Other income:

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Other noninterest income

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7,304

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7,133

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22,454

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21,662

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Total other income

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7,304

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7,133

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22,454

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21,662

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Other Noninterest Expense:

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Salaries and employee benefits

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11,293

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10,875

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34,119

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33,460

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Merger-related expenses

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882

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0

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1,049

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0

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Other segment expenses (1)

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7,214

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7,394

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22,662

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22,368

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Total noninterest expense

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19,389

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18,269

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57,830

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55,828

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Income before income tax provision

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8,015

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7,813

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23,251

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21,750

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Income tax provision

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1,464

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1,448

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4,290

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3,966

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NET INCOME

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$

6,551

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$

6,365

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$

18,961

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$

17,784

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(1 ) Other segment expenses included expenses for professional fees, data processing and telecommunications, net occupancy and equipment, automated teller machine and interchange, Pennsylvania shares tax and other noninterest expenses.

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The Corporation’s segment assets represent the total assets as presented in the consolidated balance sheets at September 30, 2025 and December 31, 2024.

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- References

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- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

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