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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 3,443 $ 2,304
Adjustments to reconcile net income to net cash provided by operating activities:    
Credit loss expense for loans 994 [1] 172 [2]
Credit loss benefit for off-balance sheet credit exposures (32) (3)
Amortization of securities available-for-sale and loans, net 122 260
Amortization of intangible assets 77 87
Depreciation 317 326
Provision for deferred income taxes (213) (34)
Securities losses, net 0 165
Increase in cash value of bank-owned life insurance (21) (20)
Gain on sales of loans held for sale (75) (83)
Proceeds from loans held for sale 3,549 3,309
Originations of loans held for sale (3,672) (3,841)
Amortization of investment in New Markets Tax Credit projects 192 174
Change in assets and liabilities:    
Decrease in accrued income receivable 1,624 707
Decrease (increase) in other assets (74) 264
(Decrease) in accrued interest payable (653) (2,139)
Increase (decrease) in accrued expenses and other liabilities 1,540 (280)
Net cash provided by operating activities 7,118 1,368
CASH FLOWS FROM INVESTING ACTIVITIES    
Change in interest-bearing time deposits 1,000 1,244
Purchase of securities available-for-sale (12,309) (8,650)
Proceeds from sale of securities available-for-sale 0 2,049
Proceeds from maturities and calls of securities available-for-sale 29,743 19,157
Purchase of FHLB stock (228) (3,309)
Proceeds from the redemption of FHLB and FRB stock 727 2,802
Net (increase) decrease in loans (3,363) 5,101
Net proceeds from the sale of other real estate owned 89 0
Purchase of premises and equipment (195) (64)
Net cash provided by investing activities 15,464 18,330
CASH FLOWS FROM FINANCING ACTIVITIES    
Increase in deposits 59,702 60,292
(Decrease) in securities sold under agreements to repurchase (6,638) (957)
Payments on other borrowings (4,950) (91,304)
Proceeds from other borrowings 2,800 88,000
Net (payments on) FHLB short-term borrowings (9,000) (17,000)
Dividends paid (1,782) (2,428)
Stock repurchases (550) 0
Net cash provided by financing activities 39,582 36,603
Net increase in cash and cash equivalents 62,164 56,301
CASH AND CASH EQUIVALENTS    
Beginning 101,227 55,101
Ending 163,391 111,402
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION    
Interest 8,856 11,344
Income taxes 41 0
SUPPLEMENTAL DISCLOSURE OF NONCASH INVESTING ACTIVITIES    
Transfer of loans receivable to other real estate owned 89 0
SUPPLEMENTAL DISCLOSURE OF NONCASH FINANCING ACTIVITIES    
Dividends declared, not paid $ 1,783 $ 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 expense of $2 thousand related to off-balance sheet credit exposures.
[2] 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 $69 thousand related to off-balance sheet credit exposures.