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Consolidated Statements of Income (unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
INTEREST INCOME        
Interest and fees on loans $ 21,715 $ 22,134 $ 64,979 $ 61,105
Interest and fees on loans held for sale 13 59 80 119
Interest on investment securities:        
Taxable 887 871 2,426 2,601
Nontaxable 594 618 1,782 1,876
Federal funds sold and Other interest-bearing deposits 469 85 1,732 726
Dividends on other investments 141 121 428 321
Total interest income 23,819 23,888 71,427 66,748
Interest on deposits:        
Savings, interest checking and money market 4,910 4,466 14,034 11,961
Time deposits 2,834 2,173 8,744 6,208
Total interest expense on deposits 7,744 6,639 22,778 18,169
Interest on federal funds purchased and securities sold under agreements to repurchase 0 38 1 83
Interest on Federal Home Loan Bank advances 759 1,075 2,438 2,430
Interest on subordinated notes 989 989 2,964 2,769
Total interest expense on borrowings 1,748 2,102 5,403 5,282
Total interest expense 9,492 8,741 28,181 23,451
Net interest income 14,327 15,147 43,246 43,297
Provision for credit losses on loans and unfunded commitments 500 110 726 790
Net interest income after provision for credit losses on loans and unfunded commitments 13,827 15,037 42,520 42,507
NON-INTEREST INCOME        
Earnings on bank-owned life insurance 520 14 1,162 43
Gain on sale of mortgage loans, net 111 851 786 2,014
Gains (losses) on other real estate owned, net 262 (2,809) 751 (4,592)
Other 561 353 1,558 1,458
Total non-interest income 3,783 606 10,798 5,384
Investment securities gains (losses), net 8 3 (7) 18
NON-INTEREST EXPENSE        
Salaries and employee benefits 6,539 7,124 19,993 20,978
Occupancy expense, net 843 842 2,364 2,437
Furniture and equipment expense 787 768 2,266 2,236
Processing, network, and bank card expense 1,480 1,320 4,212 3,797
Legal, examination, and professional fees 378 499 1,713 1,447
Advertising and promotion 198 375 711 1,084
Postage, printing, and supplies 215 248 571 621
Loan expense 126 147 515 771
Other 1,428 1,246 4,258 4,401
Total non-interest expense 11,994 12,569 36,603 37,772
Income before income taxes 5,624 3,077 16,708 10,137
Income tax expense 1,050 498 3,049 1,738
Net income $ 4,574 $ 2,579 $ 13,659 $ 8,399
Basic earnings per share (in dollars per share) $ 0.66 $ 0.36 $ 1.95 $ 1.19
Diluted earnings per share (in dollars per share) $ 0.66 $ 0.36 $ 1.95 $ 1.19
Service charges and other fees        
NON-INTEREST INCOME        
Income from fees $ 870 $ 760 $ 2,464 $ 2,180
Bank card income and fees        
NON-INTEREST INCOME        
Income from fees 1,037 1,029 3,084 3,044
Trust department income        
NON-INTEREST INCOME        
Income from fees 341 283 960 820
Real estate servicing fees, net        
NON-INTEREST INCOME        
Income from fees $ 81 $ 125 $ 33 $ 417