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Consolidated Statements of Income (Unaudited) - USD ($)
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Loans receivable, including fees $ 43,303,000 $ 40,997,000
Interest and dividends on investment securities, cash and cash equivalents, and certificates of deposit at other financial institutions 3,485,000 3,883,000
Total interest and dividend income 46,788,000 44,880,000
INTEREST EXPENSE    
Deposits 13,058,000 12,882,000
Borrowings 2,263,000 1,167,000
Subordinated notes 485,000 485,000
Total interest expense 15,806,000 14,534,000
NET INTEREST INCOME 30,982,000 30,346,000
PROVISION FOR CREDIT LOSSES 1,592,000 1,399,000
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 29,390,000 28,947,000
NONINTEREST INCOME    
Service charges and fee income 2,244,000 2,552,000
Gain on sale of loans 1,700,000 1,838,000
Gain on sale of MSRs 0 8,215,000
Loss on sale of investment securities, net 0 (7,998,000)
Earnings on cash surrender value of BOLI 250,000 240,000
Other noninterest income 932,000 264,000
Total noninterest income 5,126,000 5,111,000
NONINTEREST EXPENSE    
Salaries and benefits 14,533,000 13,557,000
Operations 3,445,000 3,008,000
Occupancy 1,717,000 1,705,000
Data processing 2,045,000 1,958,000
Loan costs 548,000 585,000
Professional and board fees 1,186,000 923,000
Federal Deposit Insurance Corporation (“FDIC”) insurance 538,000 532,000
Marketing and advertising 221,000 227,000
Amortization of core deposit intangible 831,000 941,000
(Recovery) impairment of MSRs (9,000) 93,000
Total noninterest expense 25,055,000 23,529,000
INCOME BEFORE PROVISION FOR INCOME TAXES 9,461,000 10,529,000
PROVISION FOR INCOME TAXES 1,440,000 2,132,000
NET INCOME $ 8,021,000 $ 8,397,000
Basic earnings per share (in dollars per share) $ 1.02 $ 1.07
Diluted earnings per share (in dollars per share) $ 1.01 $ 1.06