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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
INTEREST INCOME    
Interest and fees on loans $ 14,508 $ 13,776
Interest bearing deposits and short-term investments 114 67
Investment securities:    
Available for sale 1,810 1,825
Held to maturity 590 556
Total Interest Income 17,022 16,224
INTEREST EXPENSE    
Deposits 6,124 6,199
Short-term borrowings 76 484
Advances from Federal Home Loan Bank 602 504
Financing lease liabilities 26 27
Subordinated debt 263 263
Total Interest Expense 7,091 7,477
Net Interest Income 9,931 8,747
Recovery for credit losses (97) (557)
Net Interest Income after Recovery for Credit Losses 10,028 9,304
NON-INTEREST INCOME    
Non-interest income 3,470 4,058
Mortgage banking revenue 28 39
Bank owned life insurance 264 337
Other income 690 1,012
Total non-interest income 4,121 4,947
NON-INTEREST EXPENSE    
Salaries and employee benefits 7,223 7,117
Net occupancy expense 841 791
Equipment expense 390 386
Professional fees 685 1,002
Data processing and IT expense 1,252 1,159
Supplies, postage and freight 174 165
Miscellaneous taxes and insurance 348 325
Federal deposit insurance expense 240 255
Other expense 610 664
Total Non-Interest Expense 11,763 11,864
PRETAX INCOME 2,386 2,387
Provision for income taxes 478 483
NET INCOME $ 1,908 $ 1,904
Basic:    
Net income (loss) (in dollars per share) $ 0.12 $ 0.11
Average number of shares outstanding (in shares) 16,519 17,147
Diluted:    
Net income (in dollars per share) $ 0.12 $ 0.11
Average number of shares outstanding (in shares) 16,519 17,147
Cash dividends declared (in dollars per share) $ 0.03 $ 0.03
Wealth management fees    
NON-INTEREST INCOME    
Non-interest income $ 2,864 $ 3,266
Service charges on deposit accounts    
NON-INTEREST INCOME    
Non-interest income $ 275 $ 293