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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Loans, including fees $ 17,409 $ 16,751 $ 50,750 $ 48,793
Securities:        
Taxable 3,344 2,985 9,300 9,104
Tax-exempt 411 481 1,314 1,524
Other interest and dividend income 689 495 3,092 1,937
Total interest and dividend income 21,853 20,712 64,456 61,358
Interest expense:        
Deposits 7,173 8,278 21,979 24,037
Other borrowed funds 631 1,357 2,047 4,466
Total interest expense 7,804 9,635 24,026 28,503
Net interest income 14,049 11,077 40,430 32,855
Credit loss expense 627 371 1,697 722
Net interest income after credit loss expense 13,422 10,706 38,733 32,133
Noninterest income:        
Securities (losses) 0 0 0 (165)
Gain on sale of loans held for sale 170 112 395 361
Other noninterest income 246 234 759 827
Total noninterest income 2,534 2,413 7,722 7,209
Noninterest expense:        
Salaries and employee benefits 6,374 6,291 19,226 18,965
Data processing 1,497 1,475 4,305 4,478
Occupancy expenses, net 754 745 2,254 2,238
FDIC insurance assessments 253 281 788 878
Professional fees 412 867 1,437 2,190
Business development 335 318 1,018 983
Intangible asset amortization 77 86 231 259
New market tax credit projects amortization 192 174 575 523
Other operating expenses, net 347 268 1,033 925
Total noninterest expense 10,241 10,505 30,867 31,439
Income before income taxes 5,715 2,614 15,588 7,903
Provision for income taxes 1,156 397 3,075 1,198
Net income $ 4,559 $ 2,217 $ 12,513 $ 6,705
Basic and diluted earnings per share (in dollars per share) $ 0.51 $ 0.25 $ 1.41 $ 0.75
Cash dividends declared, per share (in dollars per share) $ 0.2 $ 0.2 $ 0.4 $ 0.74
Fiduciary and Trust [Member]        
Noninterest income:        
Noninterest income $ 1,374 $ 1,242 $ 4,336 $ 3,913
Financial Service [Member]        
Noninterest income:        
Noninterest income 402 399 1,150 1,062
Credit and Debit Card [Member]        
Noninterest income:        
Noninterest income $ 342 $ 426 $ 1,082 $ 1,211