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Consolidated Statements of Operations - USD ($)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Loans, including fees $ 50,757,000 $ 56,699,000
Taxable 193,000 195,000
Tax exempt 9,101,000 3,276,000
Other 8,522,000 5,985,000
Total interest income 68,573,000 66,155,000
Interest expense    
Deposits 18,343,000 12,552,000
Borrowings and Subordinated notes 1,789,000 1,774,000
Total interest expense 20,132,000 14,326,000
Net interest income 48,441,000 51,829,000
Provision for credit losses - loans 5,081,000 395,000
Recovery of credit losses - unfunded commitments (56,000) (82,000)
Provision for credit losses 5,025,000 313,000
Net interest income after provision for credit losses 43,416,000 51,516,000
Noninterest income    
Deposit service charges and fees 3,433,000 3,318,000
Loan servicing fees [1] 582,000 532,000
Trust and insurance commissions and annuities income 1,558,000 1,280,000
Losses on sales of securities [1] 0 (454,000)
(Loss) gain on sale of premises and equipment (124,000) 9,000
Valuation adjustment on bank premises held-for-sale [1] 0 (602,000)
Loss on bank-owned life insurance (168,000) (346,000)
Gain on repurchase of Subordinated notes [1] 107,000 0
Other [1] 401,000 680,000
Total noninterest income 5,789,000 4,417,000
Noninterest expense    
Compensation and benefits 23,146,000 22,232,000
Office occupancy and equipment 7,323,000 8,052,000
Advertising and public relations 496,000 762,000
Information technology 3,956,000 3,732,000
Professional fees 1,545,000 1,330,000
Supplies, telephone, and postage 1,132,000 1,254,000
FDIC insurance premiums 620,000 865,000
Other 5,966,000 4,954,000
Total noninterest expense 44,184,000 43,181,000
Income before income taxes 5,021,000 12,752,000
Income tax benefit 948,000 3,359,000
Net income $ 4,073,000 $ 9,393,000
Basic and diluted earnings per common share (in dollars per share) $ 0.33 $ 0.74
Basic and diluted weighted average common shares outstanding (in shares) 12,462,512 12,622,882
[1] Not within the scope of ASC 606