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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
OPERATING ACTIVITIES    
Net Income (Loss) $ 2,974 $ 2,120
Adjustments to reconcile net income to net cash flows from operating activities:    
PCL 457 726
Proceeds from sales of loans held-for-sale 2,600 1,042
Originations of loans held-for-sale (2,535) (1,024)
Realized (gains) losses on sales, redemptions and calls of:    
Loans (65) (18)
Available-for-sale investment securities 5 143
Held-to-maturity investment securities 3 5
Marketable securities (218) (108)
Depreciation 413 339
Amortization of mortgage servicing rights (3) (14)
Amortization of deferred loan fees and costs 6 (105)
Amortization of operating leases 112 28
Amortization of deferred financing from subordinated debt 49 47
Earnings on bank owned life insurance (162) (157)
Net amortization of premiums and discounts on investment securities (46) 22
Amortization of intangible assets 143 5
Stock based compensation and ESOP expense 174 77
Net change in accrued interest receivable 133 116
Net change in other assets and liabilities 1,657 (2,740)
Net cash inflows from operating activities 5,697 504
INVESTING ACTIVITIES    
Purchase of available-for-sale securities (25,882) (40,740)
Purchase of held-to-maturity securities (6,196) (3,014)
Purchase of marketable securities (107) (28)
Purchase of Federal Home Loan Bank stock (1,788) (2,896)
Proceeds from redemption of Federal Home Loan Bank stock 3,472 4,613
Proceeds from maturities and principal reductions of available-for-sale securities 10,473 16,029
Proceeds from maturities and principal reductions of held-to-maturity securities 6,612 8,929
Proceeds from sales, redemptions and calls of:    
Available-for-sale securities 2,995 3,434
Held-to-maturity securities 2,507 696
Real estate acquired through foreclosure 0 68
Net change in loans 6,679 5,735
Purchase of premises and equipment (637) (230)
Net cash outflows from investing activities (1,872) (7,404)
FINANCING ACTIVITIES    
Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits 63,551 6,271
Net change in time deposits 8,347 23,657
Net change in brokered deposits (11,942) (3,882)
Net change in short-term borrowings (34,000) (34,103)
Payments on long-term borrowings (9,440) (4,050)
Proceeds from exercise of stock options 180 5
Cash dividends paid to common voting shareholders (474) (424)
Cash dividends paid to common non-voting shareholders (138) (124)
Cash dividends paid on warrants (13) (12)
Change in noncontrolling interest, net 0 53
Net cash inflows (outflows) from financing activities 16,071 (12,609)
Change in cash and cash equivalents 19,896 (19,509)
Cash and cash equivalents at beginning of period 31,572 48,732
Cash and cash equivalents at end of period 51,468 29,223
CASH PAID DURING THE PERIOD FOR:    
Interest $ 7,732 $ 9,492