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Consolidated Statements Of (Loss) Income - USD ($)
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
INTEREST INCOME    
Loans receivable, including fees $ 99,388,000 $ 85,209,000
Securities: Taxable 8,948,000 8,389,000
Securities: Tax exempt 1,476,000 1,533,000
Interest-bearing deposits with banks 2,768,000 409,000
Total Interest Income 112,580,000 95,540,000
INTEREST EXPENSE    
Deposits 42,334,000 26,029,000
Short-term borrowings 1,363,000 3,048,000
Other borrowings 6,692,000 4,396,000
Total Interest Expense 50,389,000 33,473,000
Net Interest Income 62,191,000 62,067,000
PROVISION FOR CREDIT LOSSES 2,673,000 5,548,000
Net Interest Income After Provision for Credit Losses 59,518,000 56,519,000
OTHER INCOME    
Other income 7,399,000 7,136,000
Net realized (losses) gains on sales of securities (19,962,000) (209,000)
Net gain on sales of loans 195,000 63,000
Net gain on sale of foreclosed real estate owned 32,000 80,000
Earnings and proceeds on life insurance policies 1,056,000 1,012,000
Other 626,000 667,000
Total Other Income (11,151,000) 8,124,000
OTHER EXPENSES    
Salaries and employee benefits 25,018,000 23,565,000
Occupancy 3,928,000 3,864,000
Furniture and equipment 1,121,000 1,219,000
Data processing and related operations 4,520,000 3,342,000
Federal Deposit Insurance Corporation insurance assessment 1,344,000 985,000
Advertising 930,000 630,000
Professional fees 2,173,000 1,676,000
Postage and telephone 1,090,000 981,000
Taxes, other than income 615,000 566,000
Foreclosed real estate 54,000 129,000
Amortization of intangible assets 69,000 85,000
Other 7,763,000 6,455,000
Total Other Expenses 48,625,000 43,497,000
(Loss) Income before Income Taxes (258,000) 21,146,000
INCOME TAX (BENEFIT) EXPENSE (98,000) 4,387,000
Net (loss) income $ (160,000) $ 16,759,000
BASIC (LOSS) EARNINGS PER SHARE $ (0.02) $ 2.08
DILUTED (LOSS) EARNINGS PER SHARE $ (0.02) $ 2.07
Service Charges And Fees [Member]    
OTHER INCOME    
Other income $ 5,959,000 $ 5,613,000
Income From Fiduciary Activities [Member]    
OTHER INCOME    
Other income $ 943,000 $ 898,000