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Consolidated Statements Of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Interest income    
Loans, including fees $ 73,996 $ 58,277
Interest and dividends on investments:    
Taxable interest 16,433 14,790
Tax exempt interest 1,093 1,232
Dividend income 692 56
Interest-earning deposits in other banks 9,237 2,407
Total interest income 101,451 76,762
Interest expense    
Deposits 30,906 18,843
Federal Reserve Bank borrowings 1,962 2,374
FHLB advances 10,019 857
Subordinate notes 1,050 1,051
Total interest expense 43,937 23,125
Net interest income 57,514 53,637
Provision for credit losses - loans 1,975 2,589
Provision for credit losses - unfunded commitments 8 135
Total provision for credit losses 1,983 2,724
Net interest income after provision for credit loss expense 55,531 50,913
Noninterest income    
Wealth management fees 8,538 7,512
Loan service charges 987 811
Gain on sale of loans 565 199
Deposit service charges and fees 2,448 2,492
Other service charges and fees 2,040 1,852
Debit card income 2,279 2,157
Increase in cash surrender value of life insurance 457 448
Net losses on sales of debt securities (4,267) (1,119)
Change in fair value of equity securities 209 16
Other 423 483
Total noninterest income 13,679 14,851
Noninterest Expense    
Salaries and employee benefits 32,752 28,813
Net occupancy 4,583 4,398
Marketing and advertising 1,891 2,071
Legal and professional 2,133 2,301
Data processing 5,804 4,792
Pennsylvania bank shares tax 483 745
FDIC Insurance 1,710 851
ATM/debit card processing 1,300 1,235
Telecommunications 435 405
Nonservice pension (51) (117)
Lease termination   495
Other 4,855 4,022
Total noninterest expense 55,895 50,011
Income before income taxes 13,315 15,753
Income tax expense 2,216 2,155
Net income $ 11,099 $ 13,598
Per share    
Basic earnings per share $ 2.52 $ 3.11
Diluted earnings per share $ 2.51 $ 3.10