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CONSOLIDATED STATEMENTS OF INCOME - 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 receivable, including fees $ 29,927 $ 28,135 $ 89,171 $ 79,109
Securities available-for-sale:        
Taxable 2,214 1,273 7,128 2,838
Tax-exempt 278 285 841 857
Securities held-to-maturity 2 2 6 7
Other interest and dividend income 324 2,115 1,650 6,475
TOTAL INTEREST AND DIVIDEND INCOME 32,745 31,810 98,796 89,286
INTEREST EXPENSE        
Deposits 13,081 14,701 41,552 40,761
Borrowings 45 0 58 0
TOTAL INTEREST EXPENSE 13,126 14,701 41,610 40,761
NET INTEREST INCOME 19,619 17,109 57,186 48,525
Provision for (reversal of) credit losses (672) 4,601 6,552 4,669
NET INTEREST INCOME AFTER PROVISION FOR (REVERSAL OF) CREDIT LOSSES 20,291 12,508 50,634 43,856
NON-INTEREST INCOME        
(Loss) gain on sale of securities available-for-sale, net 0 (7) 0 (7)
Income from bank-owned life insurance 506 423 1,471 1,192
Fees and service charges 555 521 1,617 1,418
Loan fees, including prepayment penalties 926 784 2,304 2,445
Other (79) 335 957 1,080
TOTAL NON-INTEREST INCOME 1,908 2,056 6,349 6,128
NON-INTEREST EXPENSE        
Salaries and employee benefits 7,093 6,556 21,358 19,519
Occupancy and equipment 2,146 2,087 6,578 5,966
Professional fees 1,067 654 2,549 1,780
Data processing and communications 1,708 1,456 4,877 4,020
Federal deposit insurance 370 316 1,318 868
Advertising and promotion 212 181 535 479
Office expense 113 190 461 464
Other real estate owned expense 0 0 27 0
Core deposit intangible 209 143 656 374
Merger-related expenses 0 7,803 0 7,803
Other 999 758 2,859 2,716
TOTAL NON-INTEREST EXPENSE 13,917 20,144 41,218 43,989
INCOME (LOSS) BEFORE INCOME TAX EXPENSE 8,282 (5,580) 15,765 5,995
INCOME TAX EXPENSE (BENEFIT) 1,816 (1,124) 3,233 980
NET INCOME $ 6,466 $ (4,456) $ 12,532 $ 5,015
Earnings (loss) per common share-basic $ 0.95 $ (0.68) $ 1.83 $ 0.78
Earnings (loss) per common share-diluted $ 0.95 $ (0.68) $ 1.82 $ 0.77