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Consolidated Statement of Cash Flows - USD ($)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
OPERATING ACTIVITIES    
Net income $ 15,519,000 $ 17,368,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 2,008,000 3,002,000
Loss on equity securities [1] 9,000 161,000
Software amortization expense 200,000 95,000
Amortization of premium and discount on investment securities, net 746,000 593,000
Amortization of core deposit intangibles 1,031,000 1,059,000
Depreciation, Amortization and Accretion, Net (78,000) (108,000)
Stock-based compensation, net 374,000 260,000
Origination of loans held for sale (7,110,000) (5,639,000)
Proceeds from sale of loans held for sale 7,309,000 5,736,000
Gain on sale of loans held for sale (199,000) (97,000)
Earnings on bank-owned life insurance [1] (930,000) (823,000)
Deferred 198,000 (705,000)
Losses on other real estate owned 0 170,000
Decrease (increase) in accrued interest receivable 75,000 (1,183,000)
Increase (decrease) in accrued interest payable (1,060,000) 2,348,000
Other, net (624,000) 119,000
Net cash provided by operating activities 17,468,000 22,356,000
INVESTING ACTIVITIES    
Proceeds from repayments and maturities 2,127,000 3,259,000
Purchases (2,938,000) (2,000,000)
Proceeds from sale 96,000 0
Purchases (5,000) (200,000)
Increase in loans, net (41,292,000) (129,220,000)
Proceeds from the sale of other real estate owned 0 5,651,000
Proceeds from bank-owned life insurance 0 289,000
Purchase of premises and equipment (776,000) (1,096,000)
Purchase of restricted stock (4,790,000) (7,462,000)
Redemption of restricted stock 4,289,000 4,237,000
Net cash used in investing activities (43,289,000) (126,542,000)
FINANCING ACTIVITIES    
Net increase in deposits 19,091,000 24,780,000
Net increase in Federal Home Loan Bank advances 9,400,000 98,000,000
Repayment of other borrowings (202,000) (197,000)
Repurchase of common shares (1,055,000) (4,506,000)
Cash dividends (6,457,000) (6,864,000)
Net cash provided by financing activities 20,777,000 111,213,000
(Decrease) increase in cash and cash equivalents (5,044,000) 7,027,000
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 60,836,000 53,809,000
CASH AND CASH EQUIVALENTS AT END OF PERIOD 55,792,000 60,836,000
SUPPLEMENTAL INFORMATION    
Interest on deposits and borrowings 41,642,000 22,750,000
Income taxes 1,975,000 1,565,000
Noncash investing transactions:    
Purchased loan fair value adjustment $ 0 $ 4,621,000
[1] Not within scope of ASC 606