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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
Interest and dividend income:        
Loans, including fees $ 18,659 $ 16,694 $ 53,338 $ 48,074
Securities        
Taxable 2,204 1,793 6,654 3,625
Tax exempt 27 33 83 101
Dividends 94 95 283 288
Interest-bearing deposits with banks 563 790 2,028 3,653
Total interest and dividend income 21,547 19,405 62,386 55,741
Interest expense:        
Deposits 6,442 6,245 18,563 18,246
Other borrowed funds 373 422 1,148 1,291
Subordinated debentures 135 157 403 470
Total interest expense 6,950 6,824 20,114 20,007
Net interest income 14,597 12,581 42,272 35,734
Provision for credit losses 1,112 920 2,676 1,852
Net interest income after provision for credit losses 13,485 11,661 39,596 33,882
Noninterest income:        
Service charges on deposit accounts 823 810 2,266 2,266
Trust fees 84 99 287 304
Income from bank owned life insurance and annuity assets 236 237 719 688
Mortgage banking income 45 39 122 118
Electronic refund check / deposit fees 1 0 676 675
Debit / credit card interchange income 1,417 1,326 3,845 3,694
Loss on sale of securities (1,219) 0 (1,219) 0
Tax preparation fees 3 7 637 640
Other 358 336 909 866
Total noninterest income 1,748 2,854 8,242 9,251
Noninterest expense:        
Salaries and employee benefits 6,367 6,596 18,573 18,949
Occupancy 521 485 1,535 1,491
Furniture and equipment 346 327 1,034 987
Professional fees 515 510 1,515 1,503
Marketing expense 280 228 838 674
FDIC insurance 179 160 526 469
Data processing 934 820 2,828 2,415
Software 591 542 1,719 1,704
Other 1,756 1,552 4,788 4,632
Total noninterest expense 11,489 11,220 33,356 32,824
Income before income taxes 3,744 3,295 14,482 10,309
Provision for income taxes 714 576 2,836 1,825
NET INCOME $ 3,030 $ 2,719 $ 11,646 $ 8,484
Earnings per share (in dollars per share) $ 0.64 $ 0.58 $ 2.47 $ 1.79