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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 $ 10,218 $ 10,817
Adjustments to reconcile net income to net cash provided by operating activities:    
Credit loss expense for loans [1] 735 774
Credit loss expense (benefit) for off-balance sheet credit exposures (143) 15
Amortization of securities available-for-sale, loans and deposits, net 844 1,524
Amortization of intangible assets 337 502
Depreciation 1,355 1,250
Provision for deferred income taxes (11) 766
Securities (gains) losses, net 165 (35)
Increase in cash value of bank-owned life insurance (83) (77)
Gain on sales of loans held for sale (524) (362)
Proceeds from the sales of loans held for sale 27,121 18,678
Originations of loans held for sale (26,815) (18,286)
Amortization of investment in New Markets Tax Credit projects 766 767
Gain on other real estate owned, net (11) 0
Change in assets and liabilities:    
(Increase) in accrued income receivable (911) (1,678)
Decrease (increase) in other assets 1,327 (365)
Increase (decrease) in accrued interest payable (1,502) 4,044
Increase in accrued expenses and other liabilities 1,431 873
Net cash provided by operating activities 14,299 19,207
CASH FLOWS FROM INVESTING ACTIVITIES    
Change in interest-bearing time deposits 2,738 5,765
Purchase of securities available-for-sale (15,343) (6,418)
Proceeds from sale of securities available-for-sale 2,049 2,069
Proceeds from maturities and calls of securities available-for-sale 110,309 73,917
Purchase of FHLB stock (11,109) (18,791)
Proceeds from the redemption of FHLB and FRB stock 10,312 20,318
Net (increase) in loans (26,760) (52,904)
Net proceeds from the sale of other real estate owned 82 0
Purchase of premises and equipment (298) (4,894)
Net cash provided by investing activities 71,980 19,062
CASH FLOWS FROM FINANCING ACTIVITIES    
Increase (decrease) in deposits 34,851 (86,126)
Increase (decrease) in securities sold under agreements to repurchase (1,582) 13,318
Payments on other borrowings (177,088) (186,962)
Proceeds from other borrowings 131,452 269,850
Net (payments on) FHLB short-term borrowings (18,000) (11,420)
Dividends paid (9,082) (9,712)
Stock repurchases (704) 0
Net cash (used in) financing activities (40,153) (11,052)
Net increase in cash and cash equivalents 46,126 27,217
CASH AND CASH EQUIVALENTS    
Beginning 55,101 27,884
Ending 101,227 55,101
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION    
Interest 39,133 25,632
Income taxes 626 1,813
SUPPLEMENTAL DISCLOSURE OF NONCASH INVESTING ACTIVITIES    
Transfer of loans receivable to other real estate owned 71 0
SUPPLEMENTAL DISCLOSURE OF NONCASH FINANCING ACTIVITIES    
Dividends payable $ 1,790 $ 2,428
[1] The difference in the credit loss expense reported herein as compared to the Consolidated Statements of Income is associated with the credit loss benefit of $143 thousand related to off-balance sheet credit exposures.