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Consolidated Balance Sheets - USD ($)
Mar. 31, 2025
Dec. 31, 2024
ASSETS    
Cash and due from banks $ 31,729,000 $ 27,562,000
Interest-bearing deposits with banks 43,678,000 44,777,000
Cash and cash equivalents 75,407,000 72,339,000
Securities available for sale, at fair value (net of allowance for credit losses of $0) 408,742,000 397,846,000
Loans receivable (net of allowance for credit losses of $20,442 and $19,843) 1,750,827,000 1,693,795,000
Regulatory stock, at cost 7,616,000 13,366,000
Bank premises and equipment, net 20,273,000 19,657,000
Bank owned life insurance 46,914,000 46,657,000
Accrued interest receivable 8,587,000 8,466,000
Deferred tax assets, net 17,859,000 17,696,000
Goodwill 29,266,000 29,266,000
Other intangibles 136,000 152,000
Other assets 10,417,000 18,222,000
TOTAL ASSETS 2,376,044,000 2,317,462,000
Deposits:    
Non-interest bearing demand 391,377,000 381,479,000
Interest-bearing 1,613,071,000 1,477,684,000
Total deposits 2,004,448,000 1,859,163,000
Short-term borrowings   113,069,000
Other borrowings 118,590,000 101,793,000
Accrued interest payable 13,864,000 12,615,000
Other liabilities 18,435,000 17,314,000
TOTAL LIABILITIES 2,155,337,000 2,103,954,000
STOCKHOLDERS' EQUITY    
Preferred stock, no par value per share, authorized: 5,000,000 shares; issued: none
Common stock, $0.10 par value per share, authorized: 20,000,000 shares, issued: 2025: 9,489,398 shares, 2024: 9,487,068 shares 949,000 949,000
Surplus 126,785,000 126,514,000
Retained earnings 127,865,000 124,963,000
Treasury stock at cost: 2025: 229,979 shares; 2024: 214,161 shares (6,208,000) (5,797,000)
Accumulated other comprehensive loss (28,684,000) (33,121,000)
TOTAL STOCKHOLDERS’ EQUITY 220,707,000 213,508,000
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY $ 2,376,044,000 $ 2,317,462,000