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CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Cash and Due From Banks:    
Interest-Earning $ 50,487 $ 39,332
Noninterest-Earning 14,019 10,240
Total Cash and Due From Banks 64,506 49,572
Securities:    
Available-for-Sale Debt Securities, at Fair Value 266,281 259,514
Equity Securities, at Fair Value 890 2,639
Total Securities 267,171 262,153
Loans Held for Sale 512 900
Loans, Net of Allowance for Credit Losses of $9,722 and $9,805 at June 30, 2025 and December 31, 2024, Respectively 1,101,102 1,082,821
Premises and Equipment, Net 20,223 20,708
Bank-Owned Life Insurance 24,506 24,209
Goodwill 9,732 9,732
Accrued Interest Receivable and Other Assets 30,232 31,469
TOTAL ASSETS 1,517,984 1,481,564
Deposits:    
Noninterest-Bearing Demand Accounts 278,685 267,896
Interest-Bearing Demand Accounts 353,448 316,764
Money Market Accounts 225,141 231,458
Savings Accounts 172,021 170,530
Time Deposits 280,137 296,869
Total Deposits 1,309,432 1,283,517
Other Borrowings 34,738 34,718
Accrued Interest Payable and Other Liabilities 25,452 15,951
TOTAL LIABILITIES 1,369,622 1,334,186
STOCKHOLDERS' EQUITY    
Common Stock, $0.4167 Par Value; 35,000,000 Shares Authorized, 5,832,117 Shares Issued and 4,972,300 Shares Outstanding at June 30, 2025, with 5,787,744 and 5,132,654 Shares Issued and Outstanding at December 31, 2024. 2,430 2,412
Capital Surplus 87,190 86,373
Retained Earnings 94,178 90,856
Treasury Stock, at Cost (859,817 and 655,090 Shares at June 30, 2025 and December 31, 2024, Respectively) (21,120) (15,028)
Accumulated Other Comprehensive Loss (14,316) (17,235)
TOTAL STOCKHOLDERS' EQUITY 148,362 147,378
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 1,517,984 $ 1,481,564