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CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
ASSETS    
Cash and due from depository institutions $ 14,666 $ 13,891
Interest bearing deposits and short-term investments 39,098 3,855
Cash and cash equivalents 53,764 17,746
Investment securities, net of allowance for credit losses:    
Available for sale, at fair value (allowance for credit losses $360 on December 31, 2024) 169,561 155,620
Held to maturity (fair value $63,492 on September 30, 2025 and $58,471 on December 31, 2024; allowance for credit losses $94 on September 30, 2025 and $89 on December 31, 2024) 67,179 63,837
Trading securities 4,462  
Loans held for sale   460
Loans (net of unearned income $532 on September 30, 2025 and $517 on December 31, 2024) 1,055,683 1,067,949
Less: Allowance for credit losses 14,408 13,912
Net loans 1,041,275 1,054,037
Premises and equipment:    
Operating lease right-of-use asset 1,442 1,550
Financing lease right-of-use asset 2,163 2,331
Other premises and equipment, net 13,884 14,228
Accrued interest income receivable 6,021 5,486
Intangible assets:    
Goodwill 13,611 13,611
Core deposit intangible 61 77
Bank owned life insurance 39,172 39,923
Net deferred tax asset   1,412
Federal Home Loan Bank stock 4,004 4,759
Federal Reserve Bank stock 2,161 2,125
Other real estate owned and repossessed assets 240 1,724
Other assets 42,494 43,436
TOTAL ASSETS 1,461,494 1,422,362
LIABILITIES    
Non-interest bearing deposits 199,656 171,622
Interest bearing deposits 1,058,932 1,029,373
Total deposits 1,258,588 1,200,995
Short-term borrowings   14,642
Advances from Federal Home Loan Bank 48,023 56,058
Operating lease liabilities 1,471 1,572
Financing lease liabilities 2,549 2,689
Subordinated debt 26,757 26,726
Total borrowed funds 78,800 101,687
Net deferred tax liability 415  
Other liabilities 9,116 12,432
TOTAL LIABILITIES 1,346,919 1,315,114
SHAREHOLDERS' EQUITY    
Common stock, par value $0.01 per share; 30,000,000 shares authorized; 26,776,089 shares issued and 16,519,267 shares outstanding on September 30, 2025 and December 31, 2024 268 268
Treasury stock at cost, 10,256,822 shares on September 30, 2025 and December 31, 2024 (84,791) (84,791)
Capital surplus 146,372 146,372
Retained earnings 63,166 60,482
Accumulated other comprehensive loss (10,440) (15,083)
TOTAL SHAREHOLDERS' EQUITY 114,575 107,248
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 1,461,494 $ 1,422,362