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Consolidated Statements of Financial Condition - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Assets    
Cash and due from banks $ 92,268 $ 77,020
Interest bearing deposits in banks 2,907 1,307
Cash and cash equivalents 95,175 78,327
Investment securities - available for sale (at fair value) 105,060 94,494
Investment securities - held to maturity, net of allowance for credit losses of $102 at September 30, 2025 and $59 at December 31, 2024 (fair value $149,130 at September 30, 2025 and $144,760 at December 31, 2024) 172,818 175,497
Equity investments not held for trading with readily determinable fair values 1,020  
Restricted investment in bank stock, at cost 4,628 5,768
Loans held for sale 861 806
Loans 1,496,762 1,480,793
Unearned fees (473) (442)
Allowance for credit losses (19,089) (18,170)
Net loans 1,477,200 1,462,181
Premises and equipment, net 30,369 30,081
Goodwill and other intangibles 11,526 11,773
Bank owned life insurance 49,997 48,952
Deferred tax assets 8,228 9,989
Other real estate owned, net 2,718 3,062
Repossessed assets 3,043 2,802
Right of use assets 984 1,204
Pension asset 21,382 17,824
Accrued interest receivable 7,479 7,473
Other assets 31,486 22,789
Total Assets 2,023,974 1,973,022
Liabilities:    
Non-interest bearing deposits 429,986 426,737
Interest bearing deposits 1,248,916 1,148,092
Total deposits 1,678,902 1,574,829
Short-term borrowings 20,207 65,409
Long-term borrowings 95,929 120,929
Operating lease liability 1,152 1,384
SERP deferred compensation 8,530 8,335
Allowance for credit losses on off-balance sheet credit exposures 981 863
Accrued interest payable 661 489
Other liabilities 16,824 20,065
Dividends payable 1,689 1,424
Total Liabilities 1,824,875 1,793,727
Shareholders' Equity:    
Common Stock - par value $0.01 per share; Authorized 25,000,000 shares; issued and outstanding 6,496,908 shares at September 30, 2025 and 6,471,096 at December 31, 2024 65 65
Surplus 21,290 20,476
Retained earnings 203,197 189,002
Accumulated other comprehensive loss, net of tax (25,453) (30,248)
Total Shareholders' Equity 199,099 179,295
Total Liabilities and Shareholders' Equity $ 2,023,974 $ 1,973,022