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Consolidated Statements Of Income - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Interest Income    
Loans $ 8,906 $ 8,024
Securities    
US Government and agency obligations 454 338
Mortgage backed securities 387 809
Municipals - taxable 311 286
Municipals - tax exempt 18 18
Dividends 13 12
Corporates 135 135
Interest bearing deposits 123 133
Federal Funds sold 887 754
Total interest income 11,234 10,509
Deposits    
NOW, money market and savings 1,248 1,275
Time deposits 2,079 2,090
Finance leases 17 20
Other borrowings 89 92
Capital notes 82 82
Total interest expense 3,515 3,559
Net interest income 7,719 6,950
Provision for (recovery of) credit losses 137 (553)
Net interest income after provision for (recovery of) credit losses 7,582 7,503
Noninterest income    
Gain on sales of loans held for sale 837 927
Service charges, fees and commissions 981 953
Wealth management fees 1,255 1,163
Bank owned life insurance income 188 159
Other 22 105
Total noninterest income 3,283 3,307
Noninterest expenses    
Salaries and employee benefits 4,777 4,445
Occupancy 570 493
Equipment 670 607
Supplies 142 145
Professional and other outside expense 1,715 801
Data processing 820 751
Marketing 198 30
Credit expense 186 188
FDIC insurance expense 142 109
Amortization of intangibles 140 140
Other 466 379
Total noninterest expenses 9,826 8,088
Income before income taxes 1,039 2,722
Income tax expense 197 535
Net Income $ 842 $ 2,187
Weighted average shares outstanding - basic 4,543,338 4,543,338
Weighted average shares outstanding - diluted 4,543,338 4,543,338
Earnings per common share – basic $ 0.19 $ 0.48
Earnings per common share – diluted $ 0.19 $ 0.48