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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 7,016,000 $ 5,787,000
Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:    
Amortization of premiums and accretion of discounts on securities, net 410,000 580,000
Depreciation and amortization expense 561,000 535,000
Deferred income taxes 7,000 (293,000)
Stock compensation expense 77,000 133,000
Increase in cash value of life insurance (121,000) (114,000)
Gain on life insurance (46,000) 0
Loss (gain) on sale of securities 55,000 (32,000)
Provision for credit losses 644,000 640,000
Proceeds from sales of loans 11,765,000 15,088,000
Loans originated for sale (12,645,000) (16,192,000)
Gain on sale of loans (241,000) (270,000)
Amortization of tax credit investment 1,343,000 986,000
Unrealized loss on equity securities 23,000 74,000
Loss on disposal of premises and equipment 58,000 0
Decrease (increase) in accrued interest receivable (67,000) 213,000
Increase in accrued interest payable 289,000 1,143,000
Net change in other assets/liabilities (1,017,000) 2,423,000
Net Cash Provided By Operating Activities 8,111,000 10,701,000
CASH FLOWS FROM INVESTING ACTIVITIES    
Net decrease in interest-bearing time deposits 490,000 980,000
Purchase of securities available for sale (54,519,000) (35,358,000)
Proceeds from maturities of securities available for sale 25,705,000 22,480,000
Proceeds from sales of securities available for sale 11,192,000 19,189,000
Principal collected on mortgage-backed obligations 15,386,000 11,202,000
Net increase in loans receivable (18,619,000) (16,255,000)
Investment in tax credit entities (1,344,000) 0
Investment in technology fund (60,000) (50,000)
Proceeds from settlement of bank-owned life insurance policies 605,000 0
Purchase of premises and equipment (489,000) (311,000)
Net Cash (Used In) Provided By Investing Activities (21,653,000) 1,877,000
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase (decrease) in deposits 44,188,000 (10,965,000)
Advances from FHLB and BTFP 0 167,750,000
Repayment of advances from the FHLB and BTFP 0 (155,625,000)
Purchase of treasury stock (9,000) (13,000)
Dividends paid (1,959,000) (1,824,000)
Net Cash Provided By (Used In) Provided By Financing Activities 42,220,000 (677,000)
Net Increase in Cash and Cash Equivalents 28,678,000 11,901,000
Cash and cash equivalents at beginning of period 105,917,000 38,670,000
Cash and Cash Equivalents at End of Period $ 134,595,000 $ 50,571,000