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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Cash flows from operating activities    
Net income $ 5,837,000 $ 7,314,000
Adjustments to reconcile net income to net cash from operating activities    
Provision for credit losses - loans 435,000 85,000
Provision for (recovery of) credit losses - unfunded commitments (60,000) (89,000)
Depreciation and amortization 786,000 1,093,000
Net change in net deferred loan origination costs 303,000 (123,000)
Losses on sales of securities [1] 0 454,000
Valuation adjustment on bank premises held-for-sale [1] (0) 585,000
Loss (gain) on disposal of premises and equipment 104,000 (9,000)
Loss on sale of foreclosed assets 227,000 15,000
Foreclosed assets write-down 0 70,000
Foreclosed assets valuation adjustments 0 48,000
Loss on bank-owned life insurance 192,000 259,000
Gain on redemption of Subordinated notes [1] (107,000) 0
Net change in:    
Accrued interest receivable 613,000 (1,005,000)
Other assets (17,000) 1,362,000
Accrued interest payable and other liabilities (5,015,000) (4,841,000)
Net cash from operating activities 3,298,000 5,218,000
Cash flows from investing activities    
Net change in interest-bearing time deposits in other financial institutions 7,508,000 (492,000)
Proceeds from maturities 169,455,000 12,000,000
Proceeds from principal repayments 543,000 540,000
Proceeds from sale of securities 0 42,631,000
Purchases of securities (274,015,000) 0
Net change in loans receivable 125,912,000 118,262,000
Proceeds from sale of foreclosed assets 701,000 362,000
Proceeds from sale of premises and equipment 537,000 690,000
Purchase of premises and equipment, net (1,343,000) (1,311,000)
Net cash from investing activities 29,298,000 172,682,000
Cash flows used in financing activities    
Deposits (62,211,000) (99,106,000)
Advance payments by borrowers for taxes and insurance (790,000) 6,514,000
Proceeds from Federal Home Loan Bank advances 0 35,000,000
Repayments of Federal Home Loan Bank advances (5,000,000) (10,000,000)
Proceeds from repurchase of Subordinated notes (906,000) 0
Repurchase and retirement of common stock (156,000) (1,717,000)
Cash dividends paid on common stock (3,739,000) (3,801,000)
Net cash used in financing activities (72,802,000) (73,110,000)
Net change in cash and cash equivalents (40,206,000) 104,790,000
Beginning cash and cash equivalents 178,484,000 66,771,000
Ending cash and cash equivalents 138,278,000 171,561,000
Supplemental disclosures of cash flow information:    
Interest paid 14,968,000 9,405,000
Income taxes paid 1,719,000 2,760,000
Income taxes refunded 0 20,000
Assets transferred to premises held-for-sale 0 1,799,000
Loans transferred to foreclosed assets 117,000 921,000
Recording of right of use asset in exchange for lease obligations in other assets and other liabilities $ 592,000 $ 0
[1] Not within the scope of ASC 606