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CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Cash and Due From Banks:    
Interest-Earning $ 42,790 $ 39,332
Noninterest-Earning 13,100 10,240
Total Cash and Due From Banks 55,890 49,572
Securities:    
Available-for-Sale Debt Securities, at Fair Value 271,664 259,514
Equity Securities, at Fair Value 895 2,639
Total Securities 272,559 262,153
Loans Held for Sale 107 900
Loans, Net of Allowance for Credit Losses of $10,146 and $9,805 at September 30, 2025 and December 31, 2024, Respectively 1,133,240 1,082,821
Premises and Equipment, Net 19,896 20,708
Bank-Owned Life Insurance 24,660 24,209
Goodwill 9,732 9,732
Accrued Interest Receivable and Other Assets 29,430 31,469
TOTAL ASSETS 1,545,514 1,481,564
Deposits:    
Noninterest-Bearing Demand Accounts 291,882 267,896
Interest-Bearing Demand Accounts 365,976 316,764
Money Market Accounts 206,166 231,458
Savings Accounts 169,005 170,530
Time Deposits 301,391 296,869
Total Deposits 1,334,420 1,283,517
Other Borrowings 34,748 34,718
Accrued Interest Payable and Other Liabilities 23,881 15,951
TOTAL LIABILITIES 1,393,049 1,334,186
STOCKHOLDERS' EQUITY    
Common Stock, $0.4167 Par Value; 35,000,000 Shares Authorized, 5,833,533 Shares Issued and 4,998,383 Shares Outstanding at September 30, 2025, with 5,787,744 and 5,132,654 Shares Issued and Outstanding at December 31, 2024. 2,431 2,412
Capital Surplus 87,415 86,373
Retained Earnings 87,188 90,856
Treasury Stock, at Cost (835,150 and 655,090 Shares at September 30, 2025 and December 31, 2024, Respectively) (20,561) (15,028)
Accumulated Other Comprehensive Loss (4,008) (17,235)
TOTAL STOCKHOLDERS' EQUITY 152,465 147,378
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 1,545,514 $ 1,481,564