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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
INTEREST INCOME        
Interest and fees on loans $ 14,932 $ 14,003 $ 29,440 $ 27,779
Interest bearing deposits and short-term investments 175 61 289 128
Investment securities:        
Available for sale 1,876 1,875 3,686 3,700
Held to maturity 665 571 1,255 1,127
Trading securities 41   41  
Total Interest Income 17,689 16,510 34,711 32,734
INTEREST EXPENSE        
Deposits 6,408 6,389 12,532 12,588
Short-term borrowings 43 407 119 891
Advances from Federal Home Loan Bank 555 548 1,157 1,052
Financing lease liabilities 25 28 51 55
Subordinated debt 264 263 527 526
Total Interest Expense 7,295 7,635 14,386 15,112
Net Interest Income 10,394 8,875 20,325 17,622
Provision (recovery) for credit losses 3,133 434 3,036 (123)
Net Interest Income after Provision (Recovery) for Credit Losses 7,261 8,441 17,289 17,745
NON-INTEREST INCOME        
Non-interest income 3,601 3,872 7,071 7,931
Mortgage banking revenue 58 107 86 146
Trading securities revenue 35   35  
Bank owned life insurance 244 240 508 577
Other income 710 673 1,400 1,685
Total Non-Interest Income 4,096 4,372 8,217 9,319
NON-INTEREST EXPENSE        
Salaries and employee benefits 7,076 7,108 14,299 14,225
Net occupancy expense 746 730 1,587 1,521
Equipment expense 404 391 794 777
Professional fees 903 2,094 1,588 3,096
Data processing and IT expense 1,153 1,142 2,405 2,301
Supplies, postage and freight 172 146 346 311
Miscellaneous taxes and insurance 364 335 712 660
Federal deposit insurance expense 240 250 480 505
Other expense 651 1,101 1,261 1,765
Total Non-Interest Expense 11,709 13,297 23,472 25,161
PRETAX INCOME (LOSS) (352) (484) 2,034 1,903
Provision (credit) for income taxes (70) (109) 408 374
NET INCOME (LOSS) $ (282) $ (375) $ 1,626 $ 1,529
Basic:        
Net income (loss) (in dollars per share) $ (0.02) $ (0.02) $ 0.1 $ 0.09
Average number of shares outstanding (in shares) 16,519 17,030 16,519 17,089
Diluted:        
Net income (loss) (in dollars per share) $ (0.02) $ (0.02) $ 0.1 $ 0.09
Average number of shares outstanding (in shares) 16,519 17,030 16,519 17,089
Wealth management fees        
NON-INTEREST INCOME        
Non-interest income $ 2,782 $ 3,059 $ 5,646 $ 6,325
Service charges on deposit accounts        
NON-INTEREST INCOME        
Non-interest income $ 267 $ 293 $ 542 $ 586