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Consolidated Balance Sheet (Current Period Unaudited) - USD ($)
Sep. 30, 2025
Dec. 31, 2024
Assets [Abstract]    
Cash and due from banks $ 81,372,000 $ 46,037,000
Federal funds sold 22,333,000 9,755,000
Cash and cash equivalents 103,705,000 55,792,000
Investment securities available for sale, at fair value 155,855,000 165,802,000
Other investments 1,131,000 855,000
Loans held for sale 209,000 0
Loans:    
Loans [2],[3] 1,607,024,000 [1],[4] 1,519,614,000
Less: allowance for credit losses [2],[3] 23,029,000 [1],[4] 22,447,000
Net loans [2],[3] 1,583,995,000 [1],[4] 1,497,167,000
Premises and equipment, net 21,428,000 20,565,000
Premises and equipment held for sale 998,000 0
Goodwill 36,356,000 36,356,000
Core deposit intangibles 4,862,000 5,611,000
Bank-owned life insurance 35,335,000 35,259,000
Interest Receivable and Other Assets 35,019,000 35,952,000
TOTAL ASSETS 1,978,893,000 1,853,359,000
LIABILITIES    
Noninterest-bearing demand 410,612,000 377,875,000
Interest-bearing demand 232,452,000 208,291,000
Money market 528,246,000 414,074,000
Savings 180,547,000 197,749,000
Time 270,445,000 247,704,000
Total deposits 1,622,302,000 1,445,693,000
Federal Home Loan Bank advances 106,000,000 172,400,000
Other borrowings 11,502,000 11,660,000
Accrued interest payable and other liabilities 14,969,000 13,044,000
TOTAL LIABILITIES 1,754,773,000 1,642,797,000
STOCKHOLDERS' EQUITY    
Common stock, no par value; 25,000,000 shares authorized, 9,966,196 and 9,953,018 shares issued; 8,086,886 and 8,073,708 shares outstanding 162,349,000 161,999,000
Additional paid-in capital 1,041,000 246,000
Retained earnings 120,514,000 109,299,000
Accumulated other comprehensive loss (18,875,000) (20,073,000)
Treasury stock, at cost; 1,879,310 and 1,879,310 shares (40,909,000) (40,909,000)
TOTAL STOCKHOLDERS' EQUITY 224,120,000 210,562,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,978,893,000 1,853,359,000
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loan [Member]    
Loans:    
Loans [2],[3] 221,600,000 [1],[4] 181,447,000
Less: allowance for credit losses 2,941,000 2,100,000
Commercial Real Estate Portfolio Segment [Member] | Non-owner occupied Loan [Member]    
Loans:    
Loans [2],[3] 390,354,000 [1],[4] 412,291,000
Less: allowance for credit losses 4,919,000 8,364,000
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member]    
Loans:    
Loans [2],[3] 88,899,000 [1],[4] 89,849,000
Less: allowance for credit losses 1,164,000 1,310,000
Residential Portfolio Segment [Member]    
Loans:    
Loans [2],[3] 366,307,000 [1],[4] 353,442,000
Less: allowance for credit losses 5,989,000 5,236,000
Commercial And Industrial [Member]    
Loans:    
Loans [2],[3] 269,422,000 [1],[4] 229,034,000
Less: allowance for credit losses 3,426,000 2,427,000
Home Equity Lines of Credit [Member]    
Loans:    
Loans [2],[3] 159,805,000 [1],[4] 143,379,000
Less: allowance for credit losses 1,007,000 897,000
Construction and Other [Member]    
Loans:    
Loans [2],[3] 104,843,000 [1],[4] 103,608,000
Less: allowance for credit losses 3,513,000 2,052,000
Consumer Portfolio Segment [Member]    
Loans:    
Loans [2],[3] 5,794,000 [1],[4] 6,564,000
Less: allowance for credit losses $ 70,000 $ 61,000
[1] Accrued interest of $5.5 million and $5.5 million at June 30, 2025 and December 31, 2024, respectively, is excluded from amortized cost and presented in "accrued interest receivable and other assets" on the Consolidated Balance Sheets.
[2] Accrued interest of $5.9 million and $5.5 million at September 30, 2025 and December 31, 2024, respectively, is excluded from amortized cost and presented in "accrued interest receivable and other assets" on the Consolidated Balance Sheets.
[3] Unearned income, including net deferred loan fees and costs and unamortized premiums and discounts, totaled $6.6 million and $8.2 million at September 30, 2025 and December 31, 2024, respectively.
[4] Unearned income, including net deferred loan fees and costs and unamortized premiums and discounts, totaled $7.1 million and $8.2 million at June 30, 2025 and December 31, 2024, respectively.