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Consolidated Statements of Operations (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:        
Interest and fees on loans $ 19,759 $ 20,115 $ 58,466 $ 60,204
Interest on investments 2,495 2,397 7,393 7,450
Total interest and dividend income 22,254 22,512 65,859 67,654
Interest expense:        
Interest on deposits 8,220 10,165 25,104 28,712
Interest on FHLB and FRB borrowed funds 1 128 13 1,216
Interest on other borrowed funds 819 934 2,623 2,960
Total interest expense 9,040 11,227 27,740 32,888
Net interest income before provision for credit losses 13,214 11,285 38,119 34,766
Provision for credit losses 650 (400) 1,750 (2,725)
Net interest income after provision for credit losses 12,564 11,685 36,369 37,491
Non-interest income:        
Service charges on deposit accounts 449 513 1,304 1,474
Interchange income 565 577 1,647 1,697
Loan servicing income 649 643 1,773 1,751
Gain on sale of loans 992 752 2,411 1,998
Loan fees and service charges 173 165 530 704
Net gains (losses) on equity securities (66) (78) 43 (569)
Bank Owned Life Insurance (BOLI) death benefit 0 0 0 184
Other 260 349 743 859
Total non-interest income 3,022 2,921 8,451 8,098
Non-interest expense:        
Compensation and related benefits 6,341 5,743 17,946 16,901
Occupancy 1,266 1,242 3,749 3,942
Data processing 1,811 1,665 5,283 4,787
Amortization of intangible assets 113 178 471 536
Mortgage servicing rights expense, net 161 163 449 427
Advertising, marketing and public relations 201 225 562 575
FDIC premium assessment 195 201 584 606
Professional services 359 336 1,299 1,249
Losses (gains) on repossessed assets, net (4) 65 0 47
Other 608 603 1,921 2,427
Total non-interest expense 11,051 10,421 32,264 31,497
Income before provision for income taxes 4,535 4,185 12,556 14,092
Provision for income taxes 853 899 2,407 3,043
Net income attributable to common stockholders $ 3,682 $ 3,286 $ 10,149 $ 11,049
Per share information:        
Basic earnings (USD per share) $ 0.37 $ 0.32 $ 1.02 $ 1.07
Diluted earnings (USD per share) 0.37 0.32 1.02 1.07
Cash dividends paid (USD per share) $ 0 $ 0 $ 0.36 $ 0.32