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Consolidated Statements of Operations (unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Interest and dividend income:    
Interest and fees on loans $ 18,602 $ 20,168
Interest on investments 2,501 2,511
Total interest and dividend income 21,103 22,679
Interest expense:    
Interest on deposits 8,597 9,209
Interest on FHLB and FRB borrowed funds 11 512
Interest on other borrowed funds 901 1,053
Total interest expense 9,509 10,774
Net interest income before provision for credit losses 11,594 11,905
(Negative) provision for credit losses (250) (800)
Net interest income after provision for credit losses 11,844 12,705
Non-interest income:    
Service charges on deposit accounts 423 471
Interchange income 518 541
Loan servicing income 559 582
Gain on sale of loans 720 1,020
Loan fees and service charges 120 230
Net realized gains on debt securities 0 0
Net gains on equity securities 10 167
Other 243 253
Total non-interest income 2,593 3,264
Non-interest expense:    
Compensation and related benefits 5,597 5,483
Occupancy 1,287 1,367
Data processing 1,719 1,597
Amortization of intangible assets 179 179
Mortgage servicing rights expense, net 140 148
Advertising, marketing and public relations 167 164
FDIC premium assessment 198 205
Professional services 508 566
Losses on repossessed assets, net 4 0
Other 664 1,068
Total non-interest expense 10,463 10,777
Income before provision for income taxes 3,974 5,192
Provision for income taxes 777 1,104
Net income attributable to common stockholders $ 3,197 $ 4,088
Per share information:    
Basic earnings (USD per share) $ 0.32 $ 0.39
Diluted earnings (USD per share) 0.32 0.39
Cash dividends paid (USD per share) $ 0.36 $ 0.32