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Fair Value Disclosures (Tables)
 12 Months Ended
Dec. 31, 2024
Fair Value Disclosures [Abstract]  
Schedule of Assets and Liabilities Measured on Recurring Basis Measured at Fair Value
The following tables present the balances of assets and liabilities that were measured at fair value on a recurring basis as of December 31, 2024 and 2023.
At December 31, 2024
Level 1Level 2Level 3Total
Securities available for sale
U.S. Government-sponsored agencies$— $19,796,000 $— $19,796,000 
Mortgage-backed securities— 219,382,000 — 219,382,000 
State and political subdivisions— 33,252,000 — 33,252,000 
Asset-backed securities— 2,250,000 — 2,250,000 
Total securities available for sale— 274,680,000 — 274,680,000 
  Interest rate swap agreements— 198,000 — 198,000 
  Customer loan interest swap agreements— 4,859,000 — 4,859,000 
Total interest rate swap agreements— 5,057,000 — 5,057,000 
Total assets$— $279,737,000 $— $279,737,000 

At December 31, 2024
Level 1Level 2Level 3Total
Interest rate swap agreements$— $758,000 $— $758,000 
Customer loan interest swap agreements— 4,859,000 — 4,859,000 
Total liabilities$— $5,617,000 $— $5,617,000 
At December 31, 2023
Level 1Level 2Level 3Total
Securities available for sale
U.S. Government-sponsored agencies$— $19,830,000 $— $19,830,000 
Mortgage-backed securities— 224,597,000 — 224,597,000 
State and political subdivisions— 34,645,000 — 34,645,000 
Asset-backed securities— 2,981,000 — 2,981,000 
Total securities available for sale— 282,053,000 — 282,053,000 
  Interest rate swap agreements— 380,000 — 380,000 
  Customer loan interest swap agreements— 4,348,000 — 4,348,000 
Total interest rate swap agreements— 4,728,000 — 4,728,000 
Total assets$— $286,781,000 $— $286,781,000 

At December 31, 2023
Level 1Level 2Level 3Total
Interest rate swap agreements$— $2,149,000 $— $2,149,000 
Customer loan interest swap agreements— 4,348,000 — 4,348,000 
Total liabilities$— $6,497,000 $— $6,497,000 
Schedule of Assets Measured on Nonrecurring Basis Measured at Fair Value
The following tables present assets measured at fair value on a nonrecurring basis that have had a fair value adjustment since their initial recognition. Mortgage servicing rights are presented at fair value with no impairment reserve at at December 31, 2024 and 2023. OREO is presented net of an allowance of $35,000 at December 31, 2024. There was no OREO or related allowance at December 31, 2023. Only collateral-dependent IAL with a related specific ACL or a partial charge off are included in IAL for purposes of fair value disclosures. IAL below are presented net of specific allowances of $821,000 and $19,000 at December 31, 2024 and 2023, respectively.
At December 31, 2024
Level 1Level 2Level 3Total
Mortgage servicing rights$— $3,054,000 $— $3,054,000 
Other real estate owned— 173,000 — 173,000 
Individually analyzed loans— 538,000 — 538,000 
Total assets$— $3,765,000 $— $3,765,000 
At December 31, 2023
Level 1Level 2Level 3Total
Mortgage servicing rights$— $3,583,000 $— $3,583,000 
Individually analyzed loans— 285,000 — 285,000 
Total assets$— $3,868,000 $— $3,868,000 
Schedule of Estimated Fair Value of Financial Instruments
The carrying amounts and estimated fair values for financial instruments as of December 31, 2024 were as follows:
 CarryingEstimated
As of December 31, 2024valuefair valueLevel 1Level 2Level 3
Financial assets
Securities to be held to maturity (net of allowance for credit losses)$369,704,000 $314,993,000 $— $314,993,000 $— 
Loans held for sale— — — — — 
Loans (net of allowance for credit losses)
Commercial
Real estate752,613,000 720,898,000 — — 720,898,000 
Construction98,773,000 94,611,000 — — 94,611,000 
Other519,560,000 513,417,000 — 538,000 512,879,000 
Municipal61,565,000 57,657,000 — — 57,657,000 
Residential
Term705,566,000 643,402,000 — — 643,402,000 
Construction35,007,000 34,631,000 — — 34,631,000 
Home equity line of credit122,377,000 119,930,000 — — 119,930,000 
Consumer20,608,000 18,274,000 — — 18,274,000 
Total loans2,316,069,000 2,202,820,000 — 538,000 2,202,282,000 
Mortgage servicing rights1,894,000 3,054,000 — 3,054,000 — 
Financial liabilities
Local certificates of deposit$385,897,000 $365,937,000 $— $365,937,000 $— 
National certificates of deposit728,914,000 747,681,000 — 747,681,000 — 
Total certificates of deposit 1,114,811,000 1,113,618,000 — 1,113,618,000 — 
Repurchase agreements51,278,000 51,181,000 — 51,181,000 — 
Other borrowed funds95,000,000 95,066,000 — 95,066,000 — 
Total borrowed funds146,278,000 146,247,000 — 146,247,000 — 
The carrying amounts and estimated fair values for financial instruments as of December 31, 2023 were as follows:
 CarryingEstimated
As of December 31, 2023valuefair valueLevel 1Level 2Level 3
Financial assets
Securities to be held to maturity (net of allowance for credit losses)$385,235,000 $338,570,000 $— $338,570,000 $— 
Loans (net of allowance for credit losses)
Commercial
Real estate699,537,000 658,732,000 — — 658,732,000 
Construction86,695,000 81,638,000 — — 81,638,000 
Other443,944,000 431,067,000 — — 431,067,000 
Municipal51,089,000 46,806,000 — — 46,806,000 
Residential
Term669,864,000 595,033,000 — 285,000 594,748,000 
Construction31,740,000 31,131,000 — — 31,131,000 
Home equity line of credit103,400,000 102,858,000 — — 102,858,000 
Consumer19,155,000 16,963,000 — — 16,963,000 
Total loans2,105,424,000 1,964,228,000 — 285,000 1,963,943,000 
Mortgage servicing rights2,177,000 3,583,000 — 3,583,000 — 
Financial liabilities
Local certificates of deposit$293,466,000 $362,555,000 $— $362,555,000 $— 
National certificates of deposit776,781,000 699,919,000 — 699,919,000 — 
Total certificates of deposit1,070,247,000 1,062,474,000 — 1,062,474,000 — 
Repurchase agreements49,576,000 49,462,000 — 49,462,000 — 
Other borrowed funds20,076,000 20,074,000 — 20,074,000 — 
Total borrowed funds69,652,000 69,536,000 — 69,536,000 —