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CONSOLIDATED STATEMENTS OF INCOME (LOSS) (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 $ 15,973 $ 14,945 $ 45,993 $ 44,453
Investment Securities:        
Taxable 2,848 3,289 8,485 8,437
Tax-Exempt 146 0 146 0
Dividends 7 28 44 82
Other Interest and Dividend Income 367 1,511 1,279 3,727
TOTAL INTEREST AND DIVIDEND INCOME 19,341 19,773 55,947 56,699
INTEREST EXPENSE        
Deposits 5,810 7,892 17,643 20,948
Short-Term Borrowings 68 0 199 0
Other Borrowings 364 407 1,156 1,215
TOTAL INTEREST EXPENSE 6,242 8,299 18,998 22,163
NET INTEREST AND DIVIDEND INCOME 13,099 11,474 36,949 34,536
NET INTEREST AND DIVIDEND INCOME AFTER NET PROVISION (RECOVERY) FOR CREDIT LOSSES 12,840 11,515 36,722 34,650
NONINTEREST INCOME        
Net Gain on Sale of Loans 50 18 99 49
Net (Loss) Gain on Investment Securities (11,752) 245 (11,821) 49
Net Gain on Purchased Tax Credits 4 12 11 37
Gain on Sale of Subsidiary 0 138 0 138
Net Gain on Disposal of Premises and Equipment 0 0 0 274
Income from Bank-Owned Life Insurance 154 147 451 442
Net Gain on Bank-Owned Life Insurance Claims 0 0 0 915
Other Income 229 117 512 523
TOTAL NONINTEREST (LOSS) INCOME (10,677) 1,233 (8,958) 3,839
NONINTEREST EXPENSE        
Salaries and Employee Benefits 5,247 4,561 16,371 13,563
Occupancy 574 755 1,939 2,444
Equipment 367 280 1,070 842
Data Processing 708 772 2,266 2,476
Federal Deposit Insurance Corporation Assessment 173 177 552 467
Pennsylvania Shares Tax 306 265 706 860
Contracted Services 371 431 1,063 1,102
Legal and Professional Fees 411 297 789 717
Advertising 132 141 374 348
Other Real Estate Owned 8 2 9 16
Amortization of Intangible Assets 0 264 0 870
Other Expense 886 837 2,592 2,492
TOTAL NONINTEREST EXPENSE 9,183 8,782 27,731 26,197
Income (Loss) Before Income Tax (Benefit) Expense (7,020) 3,966 33 12,292
Income Tax (Benefit) Expense (1,324) 747 (131) 2,227
Net (Loss) Income $ (5,696) $ 3,219 $ 164 $ 10,065
(LOSS) EARNINGS PER SHARE        
Basic (in dollars per share) $ (1.14) $ 0.63 $ 0.03 $ 1.96
Diluted (in dollars per share) $ (1.07) $ 0.60 $ 0.03 $ 1.89
WEIGHTED AVERAGE SHARES OUTSTANDING        
Basic (in shares) 4,985,188 5,137,586 5,044,012 5,136,546
Diluted (in shares) 5,319,594 5,346,750 5,357,173 5,328,610
Loans        
INTEREST EXPENSE        
Provision (Recovery) for Credit Losses - Loans $ 336 $ 25 $ 269 $ (105)
Unfunded Commitments        
INTEREST EXPENSE        
Provision (Recovery) for Credit Losses - Loans (77) (66) (42) (9)
Service Fees        
NONINTEREST INCOME        
Revenue from contract with customer, excluding assessed tax 574 451 1,595 1,220
Insurance Commissions        
NONINTEREST INCOME        
Revenue from contract with customer, excluding assessed tax 1 1 3 4
Other Commissions        
NONINTEREST INCOME        
Revenue from contract with customer, excluding assessed tax $ 63 $ 104 $ 192 $ 188