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Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Loans, including fees $ 11,238 $ 13,353
Taxable 43 51
Tax exempt 3,360 1,218
Other 1,671 2,723
Total interest income 16,312 17,345
Interest expense    
Deposits 4,423 4,336
Borrowings and Subordinated notes 394 482
Total interest expense 4,817 4,818
Net interest income 11,495 12,527
(Recovery of) provision for credit losses - loans (261) 61
Recovery of credit losses - unfunded commitments (35) (49)
(Recovery of) provision for credit losses (296) 12
Net interest income after (recovery of) provision for credit losses 11,791 12,515
Noninterest income    
Deposit service charges and fees 884 809
Loan servicing fees [1] 187 156
Trust and insurance commissions and annuities income 437 450
Loss on sale of premises and equipment (5) (75)
Earnings (loss) on bank-owned life insurance 4 (87)
Gain on repurchase of Subordinated notes [1] 42 107
Other [1] 85 101
Total noninterest income 1,634 1,461
Noninterest expense    
Compensation and benefits 5,704 6,052
Office occupancy and equipment 2,047 2,241
Advertising and public relations 130 90
Information technology 1,015 1,002
Professional fees 405 454
Supplies, telephone, and postage 289 286
FDIC insurance premiums 157 161
Other 1,165 1,480
Total noninterest expense 10,912 11,766
Income before income taxes 2,513 2,210
Income tax expense 432 500
Net income $ 2,081 $ 1,710
Basic and diluted earnings per common share (in dollars per share) $ 0.17 $ 0.14
Basic and diluted weighted average common shares outstanding (in shares) 12,460,678 12,468,052
[1] Not within the scope of ASC 606