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Condensed Consolidated Statements of Income (Unaudited) - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Loans        
Taxable $ 16,449 $ 14,513 $ 47,752 $ 41,943
Tax exempt 117 127 348 374
Securities        
Taxable 1,097 1,192 3,399 3,692
Tax exempt 35 37 108 111
Other interest income 1,111 679 3,041 1,382
Total interest income 18,809 16,548 54,648 47,502
Interest Expense        
Deposits 5,721 5,568 16,670 15,866
Repurchase agreements & other 28 43 73 113
Federal Home Loan Bank advance expense 369 369 1,097 1,352
Trust preferred securities expense 162 187 483 562
Subordinated debt expense 195 195 584 584
Total interest expense 6,475 6,362 18,907 18,477
Net Interest Income 12,334 10,186 35,741 29,025
Provision (benefit) for credit losses - loans 300 (307) 974 (440)
Provision (benefit) for unfunded commitments (176) 507 134 640
Total provision for credit losses 124 200 1,108 200
Net interest income after provision for credit losses 12,210 9,986 34,633 28,825
Noninterest Income        
Wealth management fees 912 882 2,635 2,595
Customer service fees 887 870 2,652 2,625
Gain on sale of mortgage loans & OMSR 1,328 1,311 3,743 3,369
Mortgage loan servicing fees, net 158 39 1,363 1,367
Gain on sale of non-mortgage loans 8 20 105 135
Title insurance income 544 485 1,523 1,157
Gain on sale of assets 200 200
Other income 407 316 1,378 1,012
Total noninterest income 4,244 4,123 13,399 12,460
Noninterest Expense        
Salaries and employee benefits 6,198 6,057 19,030 17,418
Net occupancy expense 801 706 2,487 2,182
Equipment expense 1,188 1,069 3,381 3,206
Data processing fees 723 758 3,050 2,254
Professional fees 863 659 2,789 2,032
Marketing expense 174 241 529 614
Telephone and communications 123 128 387 389
Postage and delivery expense 157 145 401 331
State, local and other taxes 268 208 760 683
Employee expense 255 228 605 565
Other expense 748 804 2,341 2,282
Total noninterest expense 11,498 11,003 35,760 31,956
Income before income tax 4,956 3,106 12,272 9,329
Provision for income taxes 910 752 2,216 1,494
Net Income $ 4,046 $ 2,354 $ 10,056 $ 7,835
Basic earnings per common share (in Dollars per share) $ 0.64 $ 0.35 $ 1.57 $ 1.17
Diluted earnings per common share (in Dollars per share) $ 0.64 $ 0.35 $ 1.56 $ 1.17
Average common shares outstanding (in thousands):        
Basic: (in Shares) 6,297 6,660 6,408 6,689
Diluted: (in Shares) 6,311 6,675 6,427 6,704