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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
OPERATING ACTIVITIES    
Net income $ 1,908,000 $ 1,904,000
Adjustments to reconcile net income to net cash provided by (used in) operating activities:    
Recovery for credit losses (97,000) (557,000)
Depreciation and amortization expense 524,000 508,000
Amortization expense of core deposit intangible 6,000 7,000
Amortization of fair value adjustment on acquired time deposits (1,000) (3,000)
Net (accretion) amortization of investment securities (17,000) 17,000
Net amortization of deferred loan fees (34,000) (23,000)
Net gains on loans held for sale (21,000) (10,000)
Origination of mortgage loans held for sale (487,000) (2,085,000)
Sales of mortgage loans held for sale 968,000 1,326,000
Increase in accrued interest receivable (331,000) (569,000)
Decrease in accrued interest payable (368,000) (654,000)
Earnings on bank-owned life insurance (264,000) (337,000)
Deferred income taxes 167,000 330,000
Stock compensation expense   8,000
Net change in operating leases (44,000) (42,000)
Other, net (1,310,000) (1,972,000)
Net cash provided by (used in) operating activities 599,000 (2,152,000)
INVESTING ACTIVITIES    
Purchase of investment securities - available for sale (12,702,000) (3,968,000)
Purchase of investment securities - held to maturity (3,979,000) (2,496,000)
Proceeds from maturities of investment securities - available for sale 6,182,000 3,803,000
Proceeds from maturities of investment securities - held to maturity 558,000 1,441,000
Proceeds from sales of investment securities - available for sale 0 435,000
Purchase of regulatory stock (3,674,000) (3,005,000)
Proceeds from redemption of regulatory stock 3,890,000 3,897,000
Long-term loans originated (32,879,000) (40,030,000)
Principal collected on long-term loans 38,423,000 52,408,000
Sale (purchase) of premises and equipment 65,000 (638,000)
Proceeds from sale of other real estate owned and repossessed assets 1,327,000  
Proceeds from life insurance policies 351,000 711,000
Net cash (used in) provided by investing activities (2,438,000) 12,558,000
FINANCING ACTIVITIES    
Net increase in deposit balances 15,844,000 18,221,000
Net decrease in other short-term borrowings (4,269,000) (29,505,000)
Principal borrowings on advances from Federal Home Loan Bank 908,000 8,600,000
Principal repayments on advances from Federal Home Loan Bank (4,218,000) (3,750,000)
Principal payments on financing lease liabilities (46,000) (40,000)
Common stock dividend paid (496,000) (514,000)
Net cash provided by (used in) financing activities 7,723,000 (6,988,000)
NET INCREASE IN CASH AND CASH EQUIVALENTS 5,884,000 3,418,000
CASH AND CASH EQUIVALENTS AT JANUARY 1 17,746,000 14,027,000
CASH AND CASH EQUIVALENTS AT MARCH 31 $ 23,630,000 $ 17,445,000