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Consolidated Statements Of Income - 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 and leases, including fees $ 27,407 $ 27,189 $ 82,129 $ 79,538
Securities 55 144 234 406
FHLB and FRB stock dividends 154 167 481 496
Federal funds sold and other 2,753 2,496 7,084 7,957
Total interest and dividend income 30,369 29,996 89,928 88,397
Interest expense        
Deposits 15,205 17,382 45,644 50,816
FHLB advances and other debt 1,045 785 2,605 2,370
Subordinated debentures 329 369 979 1,100
Total interest expense 16,579 18,536 49,228 54,286
Net interest income 13,790 11,460 40,700 34,111
Provision for credit losses        
Provision for credit losses-loans 4,818 786 6,540 5,298
Provision for (recovery of) credit losses-unfunded commitments 251 (228) 538 58
Total provision for credit losses 5,069 558 7,078 5,356
Net interest income after provision for credit losses 8,721 10,902 33,622 28,755
Noninterest income        
Service charges on deposit accounts 696 655 2,084 1,837
Net gains on sales of residential mortgage loans 209 110 529 287
Net gains (losses) on sales of commercial loans     (18) 167
Net loss on sale of equity security     (103)  
Swap fee income 228 252 424 252
Earnings on bank owned life insurance 237 216 694 633
Other 348 373 894 553
Total noninterest income 1,718 1,606 4,504 3,729
Noninterest expense        
Salaries and employee benefits 3,800 3,539 11,937 10,617
Occupancy and equipment 444 472 1,295 1,377
Data processing 709 623 2,066 1,887
Franchise and other taxes 303 326 910 968
Professional fees 828 654 2,514 1,907
Director fees 187 153 544 421
Postage, printing and supplies 23 29 118 115
Advertising and marketing 130 47 258 99
Telephone 43 51 141 154
Loan expenses 201 233 722 939
Foreclosed assets, net 10   14  
Depreciation 116 119 352 371
FDIC premiums 506 529 1,586 1,628
Regulatory assessment 33 63 162 194
Other insurance 49 45 145 152
Other 344 343 670 676
Total noninterest expense 7,726 7,226 23,434 21,505
Income before incomes taxes 2,713 5,282 14,692 10,979
Income tax expense 373 1,077 2,887 2,009
Net income 2,340 4,205 11,805 8,970
Earnings allocated to participating securities (Series D preferred stock) (72) (140) (364) (251)
Net income attributable to common stockholders $ 2,268 $ 4,065 $ 11,441 $ 8,719
Earnings per common share:        
Basic $ 0.36 $ 0.65 $ 1.82 $ 1.39
Diluted $ 0.36 $ 0.65 $ 1.81 $ 1.38