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Consolidated Statements Of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Cash flows from operating activities    
Net income $ 11,099 $ 13,598
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 2,090 2,016
Net amortization of loans and investment securities 2,968 2,462
Amortization of subordinate debt issuance costs 38 38
Provision for credit losses 1,983 2,724
Change in fair value of equity securities (209) (16)
Realized losses on sales of debt securities 4,267 1,119
Loans originated for sale (43,086) (13,965)
Proceeds from sale of loans 41,394 14,234
Gain on sale of loans held for sale (565) (199)
Increase in cash surrender value of life insurance (457) (448)
Gains from claims on life insurance policies (78)  
Stock option compensation 634 483
Increase in other assets 1,077 (534)
Increase in other liabilities 1,073 3,913
Deferred tax (benefit) expense (473) 1,140
Net cash provided by operating activities 21,755 26,565
Cash flows from investing activities    
Net decrease in long-term interest-earning deposits in other banks 4,730 7,746
Proceeds from sales and calls of investment securities available for sale 42,413 40,113
Proceeds from maturities and pay-downs of securities available for sale 54,820 32,295
Purchase of investment securities available for sale (136,268) (50,252)
Net increase in restricted stock (6,400) (1,731)
Net increase in loans (141,652) (205,939)
Proceeds from surrender of life insurance policies 558  
Capital expenditures (2,567) (499)
Net cash used in investing activities (184,366) (178,267)
Cash flows from financing activities    
Net increase (decrease) in demand deposits, interest-bearing checking, and savings accounts 94,210 (88,526)
Net increase in time deposits 183,459 75,056
Increase in long-term borrowings (FHLB) 200,000  
(Decrease) increase in long-term borrowings (FHLB & FRB) (130,000) 130,000
Dividends paid (5,629) (5,595)
Purchase of Treasury shares (827) (2,394)
Cash received from option exercises 122 47
Treasury shares issued under dividend reinvestment plan 1,749 1,355
Net cash provided by financing activities 343,084 109,943
Increase (decrease) in cash and cash equivalents 180,473 (41,759)
Cash and cash equivalents as of January 1 23,140 64,899
Cash and cash equivalents as of December 31 203,613 23,140
Cash paid during the year for:    
Interest on deposits and other borrowed funds 43,105 19,460
Income taxes 1,859 1,344
Noncash Activities:    
Lease liabilities arising from obtaining right-of-use assets $ 20  
Noncash extinguishment of lease liability   537
Noncash decrease in right-of-use asset   $ 507