XML 14 R4.htm IDEA: XBRL DOCUMENT v3.26.1
Condensed Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
INTEREST AND DIVIDEND INCOME:    
Interest and fees on loans $ 23,570 $ 23,320
Securities available-for-sale 2,215 2,451
FHLB and FRB dividends 138 260
Other interest income 299 38
Total interest and dividend income 26,222 26,069
INTEREST EXPENSE:    
Deposits 6,661 6,871
FHLB advances and other borrowings 412 1,626
Other long-term debt 446 670
Total interest expense 7,519 9,167
NET INTEREST INCOME 18,703 16,902
Provision for credit losses 279 42
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 18,424 16,860
NONINTEREST INCOME:    
Appreciation in cash surrender value of life insurance 362 350
Other noninterest income 1,049 559
Total noninterest income 4,881 4,016
NONINTEREST EXPENSE:    
Salaries and employee benefits 10,814 9,664
Occupancy and equipment expense 2,560 2,302
Data processing 1,255 1,330
Software subscriptions 571 658
Advertising 301 232
Amortization 271 320
Loan costs 365 372
Federal Deposit Insurance Corporation ("FDIC") insurance premiums 235 231
Professional and examination fees 382 520
Other noninterest expense 1,457 1,377
Total noninterest expense 18,211 17,006
INCOME BEFORE PROVISION FOR INCOME TAXES 5,094 3,870
Provision for income taxes 1,110 631
NET INCOME $ 3,984 $ 3,239
BASIC EARNINGS PER COMMON SHARE (in dollars per share) $ 0.51 $ 0.41
DILUTED EARNINGS PER COMMON SHARE (in dollars per share) $ 0.51 $ 0.41
Deposit Account [Member]    
NONINTEREST INCOME:    
Noninterest income revenue $ 408 $ 389
Bank Servicing [Member]    
NONINTEREST INCOME:    
Noninterest income revenue 2,434 2,125
Debit Card [Member]    
NONINTEREST INCOME:    
Noninterest income revenue $ 628 $ 593