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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Interest and fees on loans    
Taxable $ 56,638 $ 51,539
Tax exempt 121 89
Interest bearing deposits and short-term investments 250 251
Investment securities:    
Available for sale 7,209 7,059
Held to maturity 2,287 1,922
Total Interest Income 66,505 60,860
INTEREST EXPENSE    
Deposits 25,448 21,014
Short-term borrowings 1,582 1,944
Advances from Federal Home Loan Bank 2,265 731
Financing lease liabilities 108 97
Subordinated debt 1,054 1,054
Total Interest Expense 30,457 24,840
Net Interest Income 36,048 36,020
Provision for credit losses 884 7,429
Net Interest Income after Provision for Credit Losses 35,164 28,591
NON-INTEREST INCOME    
Non-interest income 15,621 14,493
Net gains on loans held for sale 174 169
Mortgage related fees 130 131
Net realized losses on investment securities   (922)
Gain on sale of Visa Class B shares   1,748
Bank owned life insurance 1,067 1,047
Other income 3,098 1,787
Total Non-Interest Income 17,975 16,389
NON-INTEREST EXPENSE    
Salaries and employee benefits 28,387 29,628
Net occupancy expense 2,968 2,917
Equipment expense 1,539 1,623
Professional fees 4,784 5,317
Data processing and IT expense 4,815 4,430
Supplies, postage and freight 670 668
Miscellaneous taxes and insurance 1,308 1,301
Federal deposit insurance expense 1,021 715
Other expense 3,248 2,769
Total Non-Interest Expense 48,740 49,368
PRETAX INCOME (LOSS) 4,399 (4,388)
Provision (benefit) for income taxes 798 (1,042)
NET INCOME (LOSS) $ 3,601 $ (3,346)
Basic:    
Net income (loss) (in dollars per share) $ 0.21 $ (0.2)
Average number of shares outstanding (in shares) 16,802 17,143
Diluted:    
Net income (in dollars per share) $ 0.21 $ (0.2)
Average number of shares outstanding (in shares) 16,802 17,144
Cash dividends declared (in dollars per share) $ 0.12 $ 0.12
Wealth management fees    
NON-INTEREST INCOME    
Non-interest income $ 12,318 $ 11,266
Service charges on deposit accounts    
NON-INTEREST INCOME    
Non-interest income $ 1,188 $ 1,163