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Consolidated Statements of Earnings - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Interest income:    
Interest and fees on loans $ 16,016 $ 15,138
Interest on due from banks 350 907
Interest on investment securities:    
U.S. Government sponsored enterprises 2,261 2,591
States and political subdivisions 694 695
Other 649 479
Total interest income 19,970 19,810
Interest expense:    
Interest-bearing demand, MMDA and savings deposits 2,652 2,060
Time deposits 3,133 3,681
Junior subordinated debentures 241 284
Other 0 481
Total interest expense 6,026 6,506
Net interest income 13,944 13,304
Provision for credit losses 268 91
Net interest income after provision for credit losses 13,676 13,213
Non-interest income:    
Service charges 1,412 1,340
Other service charges and fees 186 184
Loss on sale of securities, net (4) 0
Mortgage banking income 27 51
Insurance and brokerage commissions 237 246
Appraisal management fee income 3,042 2,414
Miscellaneous 1,629 1,803
Total non-interest income 6,529 6,038
Non-interest expense:    
Salaries and employee benefits 6,788 6,980
Occupancy 2,028 2,111
Professional fees 507 392
Advertising 253 199
Debit card expense 236 312
FDIC insurance 189 191
Appraisal management fee expense 2,419 1,904
Other 2,153 2,427
Total non-interest expense 14,573 14,516
Earnings before income taxes 5,632 4,735
Income tax expense 1,287 787
Net earnings $ 4,345 $ 3,948
Basic net earnings per share $ 0.82 $ 0.74
Diluted net earnings per share 0.79 0.72
Cash dividends declared per share $ 0.36 $ 0.35