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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 11,497,000 $ 8,688,000
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 597,000 844,000
Depreciation and amortization expense 831,000 809,000
Deferred income taxes 10,000 (440,000)
Stock compensation expense 90,000 168,000
Increase in cash value of life insurance (172,000) (161,000)
Gain on life insurance (47,000) 0
Loss (gain) on sale of securities 94,000 (32,000)
Provision for credit losses 794,000 1,103,000
Proceeds from sales of loans 25,880,000 24,844,000
Loans originated for sale (25,950,000) (24,328,000)
Gain on sale of loans (484,000) (394,000)
Amortization of tax credit investment 2,301,000 1,393,000
Unrealized (gain) loss on equity securities (127,000) 270,000
Loss on disposal of premises and equipment 156,000 0
(Increase) decrease in accrued interest receivable (214,000) 570,000
Increase in accrued interest payable 196,000 1,293,000
Net change in other assets/liabilities 600,000 3,654,000
Net Cash Provided By Operating Activities 16,052,000 18,281,000
CASH FLOWS FROM INVESTING ACTIVITIES    
Net decrease in interest-bearing time deposits 490,000 1,225,000
Purchase of securities available for sale (107,967,000) (47,794,000)
Proceeds from maturities of securities available for sale 45,125,000 46,188,000
Proceeds from sales of securities available for sale 17,911,000 19,189,000
Principal collected on mortgage-backed obligations 23,955,000 17,750,000
Net increase in loans receivable (11,927,000) (17,301,000)
Investment in tax credit entities (2,532,000) (88,000)
Investment in technology fund (23,000) (100,000)
Proceeds from settlement of bank-owned life insurance policies 606,000 0
Purchase of premises and equipment (654,000) (394,000)
Net Cash (Used In) Provided By Investing Activities (35,016,000) 18,675,000
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase in deposits 28,294,000 5,038,000
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 (61,000) (41,000)
Taxes paid on stock award shares for employees (11,000) (13,000)
Dividends paid (2,998,000) (2,796,000)
Net Cash Provided By Financing Activities 25,224,000 14,313,000
Net Increase in Cash and Cash Equivalents 6,260,000 51,269,000
Cash and cash equivalents at beginning of period 105,917,000 38,670,000
Cash and Cash Equivalents at End of Period $ 112,177,000 $ 89,939,000