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Loans (Tables)
12 Months Ended
Dec. 31, 2024
Loans [Abstract]  
Schedule Of Loans Outstanding

(Dollars in thousands)

2024

2023

Residential Real Estate 1-4 Family

Consumer first liens

$

181,780

$

142,017

Commercial first lien

58,821

63,271

Total first liens

240,601

205,288

Consumer junior liens and lines of credit

76,035

68,752

Commercial junior liens and lines of credit

6,199

3,809

Total junior liens and lines of credit

82,234

72,561

Total residential real estate 1-4 family

322,835

277,849

Residential real estate - construction

Consumer

20,742

13,837

Commercial

11,685

12,063

Total residential real estate construction

32,427

25,900

Commercial real estate

803,365

703,767

Commercial

230,597

242,654

Total commercial

1,033,962

946,421

Consumer

8,853

6,815

1,398,077

1,256,985

Less: Allowance for credit losses

(17,653)

(16,052)

Net Loans

$

1,380,424

$

1,240,933

Included in the loan balances are the following:

Net unamortized deferred loan costs

$

1,766

$

1,615

Loans pledged as collateral for borrowings and commitments from:

FHLB

$

775,410

$

699,527

Federal Reserve Bank

96,592

83,482

Total

$

872,002

$

783,009

Schedule Of Loans To Related Parties

(Dollars in thousands)

2024

2023

Balance at beginning of year

$

11,545

$

13,283

New loans made

18,476

8,870

Repayments

(18,278)

(10,608)

Balance at end of year

$

11,743

$

11,545