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Consolidated Statements Of Cash Flows - USD ($)
9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 20,313,000 $ 12,491,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for (release of) credit losses 1,305,000 1,069,000
Depreciation 1,020,000 995,000
Amortization of intangible assets 42,000 54,000
Deferred income taxes (1,334,000) 57,000
Net (accretion) amortization of securities premiums and discounts (470,000) 442,000
Earnings and proceeds on life insurance policies (820,000) (781,000)
Gain on sales and write-downs of fixed assets and foreclosed real estate owned, net (9,000) (32,000)
Net amortization of loan fees 577,000 474,000
Net gain on sale of loans (242,000) (145,000)
Mortgage loans originated for sale (9,823,000) (6,490,000)
Proceeds from sale of loans originated for sale 10,065,000 6,635,000
Compensation expense related to stock options 186,000 261,000
Compensation expense related to restricted stock 350,000 280,000
(Increase) decrease in accrued interest receivable (220,000) 61,000
(Decrease) increase in accrued interest payable (2,792,000) 2,178,000
Other, net 7,044,000 452,000
Net cash provided by operating activities 25,192,000 18,001,000
Securities available for sale:    
Proceeds from maturities and principal reductions on mortgage-backed securities 41,714,000 44,714,000
Purchases (35,473,000) (23,990,000)
Purchase of regulatory stock (14,245,000) (7,961,000)
Redemption of regulatory stock 21,448,000 8,950,000
Net increase in loans (97,316,000) (73,658,000)
Proceeds from bank-owned life insurance 1,656,000 838,000
Purchase of premises and equipment (3,646,000) (1,660,000)
Proceeds from sales of foreclosed real estate owned   109,000
Net cash used in investing activities (85,862,000) (52,658,000)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase in deposits 214,805,000 60,092,000
Net decrease in short-term borrowings (113,069,000) (21,623,000)
Repayments of other borrowings (69,722,000) (39,277,000)
Proceeds from other borrowings 40,000,000 60,000,000
Stock options exercised 14,000 193,000
Purchase of treasury stock (349,000) (676,000)
Cash dividends paid (8,618,000) (7,292,000)
Net cash provided by financing activities 63,061,000 51,417,000
Increase in cash and cash equivalents 2,391,000 16,760,000
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD 72,339,000 66,120,000
CASH AND CASH EQUIVALENTS, END OF PERIOD 74,730,000 82,880,000
Cash payments for:    
Interest on deposits and borrowings 38,894,000 35,351,000
Income taxes paid, net of refunds 1,371,000 1,682,000
Supplemental Schedule of Noncash Investing Activities:    
Transfers of loans to foreclosed real estate and repossession of other assets 2,448,000 1,502,000
Dividends payable $ 2,871,000 $ 2,427,000