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Consolidated Statements Of Income - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Interest Income    
Loans $ 34,505 $ 31,378
Securities    
US Government and agency obligations 1,471 1,273
Mortgage backed securities 2,315 1,899
Municipals - taxable 1,237 1,139
Municipals - tax exempt 73 73
Dividends 95 82
Corporates 543 560
Interest bearing deposits 775 496
Federal Funds sold 3,629 2,462
Total interest income 44,643 39,362
Deposits    
NOW, money market savings 5,455 2,984
Time deposits 9,173 5,796
FHLB borrowings   31
Finance leases 76 86
Capital notes 376 327
Other borrowings 327 398
Total interest expense 15,407 9,622
Net interest income 29,236 29,740
Provision for (recovery of) credit losses (655) (179)
Net interest income after recovery of credit losses 29,891 29,919
Noninterest income    
Gain on sales of loans held for sale 4,494 3,938
Service charges, fees and commissions 4,003 3,901
Wealth management fees 4,843 4,197
Life insurance income 721 548
Income from SBIC fund 934 135
Other 80 148
Gain on sales and calls of securities, net 62  
Total noninterest income 15,137 12,867
Noninterest expenses    
Salaries and employee benefits 19,294 18,311
Occupancy 1,964 1,819
Equipment 2,499 2,416
Supplies 542 530
Professional and other outside expenses 3,471 2,513
Data processing 3,057 2,783
Marketing 768 919
Credit expense 816 805
Other real estate, net   40
FDIC insurance expense 441 419
Amortization of intangibles 560 560
Other 1,693 1,392
Total noninterest expenses 35,105 32,507
Income before income taxes 9,923 10,279
Income tax expense 1,979 1,575
Net Income $ 7,944 $ 8,704
Weighted average shares outstanding - basic 4,543,338 4,562,374
Weighted average shares outstanding - diluted 4,543,338 4,562,374
Earnings per common share – basic $ 1.75 $ 1.91
Earnings per common share – diluted $ 1.75 $ 1.91