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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
OPERATING ACTIVITIES    
Net income $ 1,626,000 $ 1,529,000
Adjustments to reconcile net income to net cash provided by (used in) operating activities:    
Provision (recovery) for credit losses 3,036,000 (123,000)
Depreciation and amortization expense 1,053,000 1,023,000
Amortization expense of core deposit intangible 11,000 13,000
Amortization of fair value adjustment on acquired time deposits (1,000) (5,000)
Net (accretion) amortization of investment securities (25,000) 29,000
Net amortization of deferred loan fees (84,000) (58,000)
Net gains on loans held for sale (56,000) (69,000)
Origination of mortgage loans held for sale (3,201,000) (4,684,000)
Sales of mortgage loans held for sale 3,557,000 4,658,000
Increase in accrued interest receivable (252,000) (268,000)
Increase (decrease) in accrued interest payable 669,000 (47,000)
Earnings on bank-owned life insurance (508,000) (577,000)
Deferred income taxes 234,000 344,000
Stock compensation expense   8,000
Net change in trading securities (4,205,000)  
Net change in operating leases (88,000) (83,000)
Other, net (1,229,000) (2,140,000)
Net cash provided by (used in) operating activities 537,000 (450,000)
INVESTING ACTIVITIES    
Purchase of investment securities - available for sale (25,856,000) (6,915,000)
Purchase of investment securities - held to maturity (5,958,000) (4,490,000)
Proceeds from maturities of investment securities - available for sale 14,885,000 7,327,000
Proceeds from maturities of investment securities - held to maturity 2,283,000 1,935,000
Proceeds from sale of investment securities - available for sale 0 935,000
Purchase of regulatory stock (5,631,000) (7,042,000)
Proceeds from redemption of regulatory stock 6,084,000 6,962,000
Net increase in loans (4,047,000) (2,919,000)
Purchase of premises and equipment (141,000) (1,158,000)
Proceeds from sale of other real estate owned and repossessed assets 1,414,000 95,000
Proceeds from life insurance policies 351,000 711,000
Net cash used in investing activities (16,616,000) (4,559,000)
FINANCING ACTIVITIES    
Net increase in deposit balances 43,539,000 12,004,000
Net decrease in other short-term borrowings (11,954,000) (6,368,000)
Principal borrowings on advances from Federal Home Loan Bank 1,408,000 14,260,000
Principal repayments on advances from Federal Home Loan Bank (8,543,000) (7,910,000)
Principal payments on financing lease liabilities (93,000) (81,000)
Purchases of treasury stock   (1,511,000)
Common stock dividend paid (991,000) (1,029,000)
Net cash provided by financing activities 23,366,000 9,365,000
NET INCREASE IN CASH AND CASH EQUIVALENTS 7,287,000 4,356,000
CASH AND CASH EQUIVALENTS AT JANUARY 1 17,746,000 14,027,000
CASH AND CASH EQUIVALENTS AT JUNE 30 $ 25,033,000 $ 18,383,000