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CONSOLIDATED STATEMENT OF INCOME - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
INTEREST AND DIVIDEND INCOME:        
Interest and fees on loans $ 35,233 $ 35,227 $ 71,595 $ 70,783
Interest-bearing deposits with banks 89 132 192 275
Investment securities:        
Taxable 2,823 2,397 5,334 4,736
Nontaxable 968 584 1,847 1,131
Dividends 392 409 814 838
TOTAL INTEREST AND DIVIDEND INCOME 39,505 38,749 79,782 77,763
INTEREST EXPENSE:        
Deposits 11,160 11,449 22,465 23,743
Borrowed funds 2,651 3,652 5,510 7,370
TOTAL INTEREST EXPENSE 13,811 15,101 27,975 31,113
NET INTEREST INCOME 25,694 23,648 51,807 46,650
Provision for credit losses 500 750 1,000 1,375
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 25,194 22,898 50,807 45,275
NON-INTEREST INCOME:        
Service charges 1,388 1,303 2,712 2,594
Trust 200 183 435 407
Brokerage and insurance 640 627 1,209 1,310
Gains on loans sold 621 739 886 1,011
Equity security gains, net 96 32 115 21
Earnings on bank owned life insurance 787 355 1,357 701
Other 282 426 990 1,048
TOTAL NON-INTEREST INCOME 4,014 3,665 7,704 7,092
NON-INTEREST EXPENSES:        
Salaries and employee benefits 10,272 9,976 20,548 20,265
Occupancy 1,289 1,182 2,701 2,538
Furniture and equipment 336 318 623 583
Professional fees 528 525 1,068 1,042
FDIC insurance 370 495 765 945
Pennsylvania shares tax 340 305 717 624
Amortization of intangibles 105 127 211 254
Software expenses 429 453 884 885
Other real estate owned expenses 194 73 390 192
Other 3,004 2,693 5,561 5,247
TOTAL NON-INTEREST EXPENSES 16,867 16,147 33,468 32,575
Income before provision for income taxes 12,341 10,416 25,043 19,792
Provision for income taxes 2,154 1,953 4,480 3,708
NET INCOME $ 10,187 $ 8,463 $ 20,563 $ 16,084
Net Income - Basic (in Dollars per share) $ 2.12 $ 1.76 $ 4.29 $ 3.35
Net Income - Diluted (in Dollars per share) $ 2.12 $ 1.76 $ 4.28 $ 3.35
Number of shares used in computation - basic (in Shares) 4,797,940 4,797,716 4,798,104 4,797,642
Number of shares used in computation - diluted (in Shares) 4,802,193 4,800,384 4,801,951 4,800,862