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CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Interest and dividend income:        
Loans, including fees $ 18,864 $ 17,279 $ 54,482 $ 49,230
Investment securities – taxable 3,982 3,975 11,766 12,279
Investment securities - non taxable 346 355 1,032 1,070
Interest-bearing deposits in other banks and fed funds sold 1,710 1,552 4,877 3,769
Total interest income 24,902 23,161 72,157 66,348
Interest expense:        
Deposits 7,995 8,287 23,504 23,210
Securities sold under agreements to repurchase 640 506 2,134 1,611
Other borrowed money 273 956 811 3,344
Total interest expense 8,908 9,749 26,449 28,165
Net interest income 15,994 13,412 45,708 38,183
Provision for credit losses 201 (16) 401 567
Net interest income after provision for credit losses 15,793 13,428 45,307 37,616
Non-interest income:        
Deposit service charges 243 228 688 722
Mortgage banking income 934 575 2,572 1,659
Investment advisory fees and non-deposit commissions 1,862 1,595 5,419 4,461
Gain on sale of other real estate owned 5 127 5
Other non-recurring income 188 188 95
Other 1,242 1,167 3,663 3,454
Total non-interest income 4,469 3,570 12,657 10,396
Non-interest expense:        
Salaries and employee benefits 8,059 7,422 23,776 21,826
Occupancy 792 793 2,341 2,321
Equipment 377 391 1,157 1,038
Marketing and public relations 557 477 1,279 1,301
FDIC insurance assessments 286 290 860 870
Other real estate expense 12 11 134 113
Amortization of intangibles 39 40 118 118
Merger 575 809
Other 2,977 2,567 9,037 8,052
Total non-interest expense 13,674 11,991 39,511 35,639
Net income before tax 6,588 5,007 18,453 12,373
Income tax expense 1,396 1,146 4,078 2,650
Net income $ 5,192 $ 3,861 $ 14,375 $ 9,723
Basic earnings per common share $ 0.68 $ 0.51 $ 1.88 $ 1.28
Diluted earnings per common share $ 0.67 $ 0.50 $ 1.85 $ 1.26