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Consolidated Statements Of Income - USD ($)
3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
INTEREST INCOME        
Loans receivable, including fees $ 28,141,000 $ 25,464,000 $ 81,244,000 $ 73,266,000
Securities 3,907,000 2,526,000 11,648,000 7,635,000
Interest bearing deposits with other banks 144,000 497,000 590,000 2,194,000
Total interest income 32,192,000 28,487,000 93,482,000 83,095,000
INTEREST EXPENSE        
Deposits 10,730,000 10,553,000 32,347,000 31,349,000
Short-term borrowings 105,000 323,000 774,000 1,015,000
Other borrowings 899,000 1,680,000 2,981,000 5,165,000
Total interest expense 11,734,000 12,556,000 36,102,000 37,529,000
NET INTEREST INCOME 20,458,000 15,931,000 57,380,000 45,566,000
(RELEASE OF) PROVISION FOR CREDIT LOSSES        
(Release of) provision for credit losses (392,000) 1,216,000 1,372,000 888,000
(Release of) provision for off balance sheet commitments (110,000) 129,000 (67,000) 181,000
Total (release of) provision for credit losses (502,000) 1,345,000 1,305,000 1,069,000
NET INTEREST INCOME AFTER (RELEASE OF) PROVISION FOR CREDIT LOSSES 20,960,000 14,586,000 56,075,000 44,497,000
OTHER INCOME        
Other income 2,042,000 1,874,000 5,890,000 5,466,000
Gains on sales of loans, net 130,000 103,000 242,000 145,000
Gain on sales of foreclosed real estate owned       32,000
Earnings and proceeds on bank owned life insurance 268,000 261,000 820,000 781,000
Other 193,000 158,000 551,000 467,000
Total other income 2,505,000 2,295,000 7,105,000 6,508,000
OTHER EXPENSES        
Salaries and employee benefits 6,696,000 6,239,000 19,773,000 18,328,000
Occupancy, furniture & equipment, net 1,361,000 1,269,000 4,088,000 3,758,000
Data processing and related operations 1,087,000 1,162,000 3,361,000 3,208,000
Taxes, other than income 192,000 179,000 577,000 452,000
Professional fees 968,000 576,000 2,250,000 1,669,000
Federal Deposit Insurance Corporation insurance 368,000 339,000 1,129,000 1,009,000
Foreclosed real estate 1,000 9,000 143,000 45,000
Amortization of intangibles 12,000 16,000 42,000 54,000
Other 2,249,000 2,242,000 6,166,000 6,683,000
Total other expenses 12,934,000 12,031,000 37,529,000 35,206,000
INCOME BEFORE INCOME TAXES 10,531,000 4,850,000 25,651,000 15,799,000
INCOME TAX EXPENSE 2,197,000 1,006,000 5,338,000 3,308,000
NET INCOME $ 8,334,000 $ 3,844,000 $ 20,313,000 $ 12,491,000
BASIC EARNINGS PER SHARE $ 0.89 $ 0.48 $ 2.22 $ 1.55
DILUTED EARNINGS PER SHARE $ 0.89 $ 0.48 $ 2.22 $ 1.55
Service Charges And Fees [Member]        
OTHER INCOME        
Other income $ 1,660,000 $ 1,517,000 $ 4,687,000 $ 4,364,000
Income From Fiduciary Activities [Member]        
OTHER INCOME        
Other income $ 254,000 $ 256,000 $ 805,000 $ 719,000