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Consolidated Statements of Earnings - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Interest income:      
Interest and fees on loans $ 62,920 $ 55,507 $ 43,077
Interest on due from banks 2,796 2,216 2,223
Interest on investment securities:      
U.S. Government sponsored enterprises 9,979 9,365 4,150
States and political subdivisions 2,779 2,949 4,075
Other 2,259 1,825 906
Total interest income 80,733 71,862 54,431
Interest expense:      
Now, MMDA & savings deposits 10,237 6,731 2,019
Time deposits 14,316 7,916 562
Junior subordinated debentures 1,116 1,079 529
Other 985 1,417 213
Total interest expense 26,654 17,143 3,323
Net interest income 54,079 54,719 51,108
Provision for (recovery of) credit losses (285) 1,566 1,472
Net interest income after provision for credit losses 54,364 53,153 49,636
Non-interest income:      
Service charges 5,653 5,496 5,290
Other service charges and fees 685 697 734
Gain ( loss) on sale of securities, net 5 (2,488) 0
Mortgage banking income 357 301 393
Insurance and brokerage commissions 989 929 945
Appraisal management fee income 11,691 9,592 11,663
Gain (loss) on sale of premises and equipment 362 184 (85)
Miscellaneous 8,335 8,203 7,749
Total non-interest income 27,715 22,914 26,689
Non-interest expense:      
Salaries and employee benefits 28,209 26,640 26,130
Occupancy 8,686 7,962 8,048
Professional fees 2,316 1,716 1,915
Advertising 791 750 693
Debit card expense 1,391 1,255 1,224
FDIC insurance 764 745 461
Appraisal management fee expense 9,263 7,559 9,264
Other 9,730 9,517 8,295
Total non-interest expense 61,150 56,144 56,030
Earnings before income taxes 20,929 19,923 20,295
Income tax expense 4,576 4,377 4,172
Net earnings $ 16,353 $ 15,546 $ 16,123
Basic net earnings per share $ 3.08 $ 2.87 $ 2.94
Diluted net earnings per share 2.98 2.77 2.85
Cash dividends declared per share $ 0.92 $ 0.91 $ 0.87