
	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
March 31, 2025	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Balance, beginning of year	$	40	$	16	$	1,529	$	224	$	507	$	272	$	38	$	45	$	168	$	2,839
Charge-offs		—		—		—		—		—		—		—		—		(42)		(42)
Recoveries		—		—		—		—		—		—		—		—		38		38
(Release) provision for credit losses		(27)		(1)		(49)		1		(128)		63		(7)		(14)		16		(146)

Balance, end of quarter	$	13	$	15	$	1,480	$	225	$	379	$	335	$	31	$	31	$	180	$	2,689

Individually evaluated for impairment:
Balance in allowance	$	—	$	—	$	18	$	—	$	—	$	—	$	—	$	—	$	—	$	18
Related loan balance		—		—		25		—		—		123		—		—		—		148

Collectively evaluated for impairment:
Balance in allowance	$	13	$	15	$	1,462	$	225	$	379	$	335	$	31	$	31	$	180	$	2,671
Related loan balance		4,941		313		103,999		4,983		47,238		18,032		5,615		2,370		19,754		207,245


	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
December 31, 2024	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Balance, beginning of year	$	31	$	18	$	1,290	$	96	$	190	$	304	$	21	$	30	$	177	$	2,157
Charge-offs		—		—		—		—		—		—		(299)		(18)		(67)		(384)
Recoveries		—		—		—		—		—		—		—		133		89		222
Provision (release) for credit losses		9		(2)		239		128		317		(32)		316		(100)		(31)		844

Balance, end of the year	$	40	$	16	$	1,529	$	224	$	507	$	272	$	38	$	45	$	168	$	2,839

Individually evaluated for impairment:
Balance in allowance	$	—	$	—	$	18	$	—	$	—	$	121	$	—	$	—	$	—	$	139
Related loan balance		—		—		26		—		—		773		—		—		—		799

Collectively evaluated for impairment:
Balance in allowance	$	40	$	16	$	1,511	$	224	$	507	$	151	$	38	$	45	$	168	$	2,700
Related loan balance		8,882		315		98,967		5,022		48,726		15,932		5,691		2,880		18,005		204,420


	Gross Charge-offs
March 31, 2025		Term Loans by Origination Year
(dollars in thousands)														Revolving
	2025		2024		2023		2022		2021		Prior		Loans		Total
Consumer Loans
Consumer	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Automobile		—		—		—		24		6		12		—		42
Total Consumer		—		—		—		24		6		12		—		42

Total gross charge-offs this period	$	—	$	—	$	—	$	24	$	6	$	12	$	—	$	42


	Gross Charge-offs
December 31, 2024		Term Loans by Origination Year
(dollars in thousands)														Revolving
	2024		2023		2022		2021		2020		Prior		Loans		Total
Commercial and Industrial Loans
Commercial and industrial	$	—	$	—	$	—	$	299	$	—	$	—	$	—	$	299

Consumer Loans
Consumer	$	—	$	—	$	13	$	—	$	—	$	5	$	—	$	18
Automobile		—		—		—		—		51		16		—		67
Total Consumer		—		—		13		0		51		21		—		85

Total gross charge-offs this period	$	—	$	—	$	13	$	299	$	51	$	21	$	—	$	384


At March 31, 2025					90 Days or
(dollars in thousands)			30-89 Days		More and
	Current		Past Due		Still Accruing		Nonaccrual		Total
Loans Secured by Real Estate
Construction and land	$	4,941	$	—	$	—	$	—	$	4,941
Farmland		313		—		—		—		313
Single-family residential		102,918		216		—		890		104,024
Multi-family		4,983		—		—		—		4,983
Commercial		47,116		—		—		122		47,238
Total loans secured by real estate		160,271		216		—		1,012		161,499
Commercial and Industrial
Commercial and industrial		18,155		—		—		—		18,155
SBA guaranty		5,147		468		—		—		5,615
Total commercial and industrial loans		23,302		468		—		—		23,770
Consumer Loans
Consumer		2,370		—		—		—		2,370
Automobile		19,301		330		—		123		19,754
Total consumer loans		21,671		330		—		123		22,124

	$	205,244	$	1,014	$	—	$	1,135	$	207,393


At December 31, 2024					90 Days or
(dollars in thousands)			30-89 Days		More and
	Current		Past Due		Still Accruing		Nonaccrual		Total
Loans Secured by Real Estate
Construction and land	$	8,882	$	—	$	—	$	—	$	8,882
Farmland		315		—		—		—		315
Single-family residential		97,742		1,102		—		149		98,993
Multi-family		5,022		—		—		—		5,022
Commercial		48,602		—		—		124		48,726
Total loans secured by real estate		160,563		1,102		—		273		161,938
Commercial and Industrial
Commercial and industrial		16,233		472		—		—		16,705
SBA guaranty		5,691		—		—		—		5,691
Total commercial and industrial loans		21,924		472		—		—		22,396
Consumer Loans
Consumer		2,879		1		—		—		2,880
Automobile		17,613		305		—		87		18,005
Total consumer loans		20,492		306		—		87		20,885

	$	202,979	$	1,880	$	—	$	360	$	205,219


	March 31,			December 31,
(dollars in thousands)	2025			2024

Restructured loans to borrowers with financial difficulty	$	25		$	26
Non-accrual and 90+ days past due and still accruing loans to average loans		0.55	%		0.19	%
Allowance for credit losses to nonaccrual & 90+ days past due and still accruing loans		236.9	%		789.1	%


	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
March 31, 2025	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Pass	$	4,941	$	313	$	103,134	$	4,983	$	46,357	$	18,155	$	5,615	$	2,370	$	19,618	$	205,486
Special mention		—		—		—		—		—		—		—		—		—		—
Substandard		—		—		890		—		881		—		—		—		136		1,907
Doubtful		—		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—		—

	$	4,941	$	313	$	104,024	$	4,983	$	47,238	$	18,155	$	5,615	$	2,370	$	19,754	$	207,393

Nonaccrual	$	—	$	—	$	890	$	—	$	122	$	—	$	—	$	—	$	123	$	1,135
Restructured loans to borrowers with financial difficulty	$	—	$	—	$	25	$	—	$	—	$	—	$	—	$	—	$	—	$	25
Number restructured loans to borrowers with financial difficulty		—		—		1		—		—		—		—		—		—		1
Non-performing restructured loans to borrowers with financial difficulty	$	—	$	—	$	25	$	—	$	—	$	—	$	—	$	—	$	—	$	25
Number of non-performing restructured loan accounts		—		—		1		—		—		—		—		—		—		1


	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
December 31, 2024	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Pass	$	8,882	$	315	$	98,844	$	5,022	$	47,829	$	16,705	$	5,219	$	2,880	$	17,918	$	203,614
Special mention		—		—		—		—		—		—		472		—		—		472
Substandard		—		—		149		—		897		—		—		—		87		1,133
Doubtful		—		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—		—

	$	8,882	$	315	$	98,993	$	5,022	$	48,726	$	16,705	$	5,691	$	2,880	$	18,005	$	205,219

Nonaccrual	$	—	$	—	$	149	$	—	$	124	$	—	$	—	$	—	$	87	$	360
Restructured loans to borrowers with financial difficulty	$	—	$	—	$	26	$	—	$	—	$	—	$	—	$	—	$	—	$	26
Number restructured loans to borrowers with financial difficulty		—		—		1		—		—		—		—		—		—		1
Non-performing restructured loans to borrowers with financial difficulty	$	—	$	—	$	26	$	—	$	—	$	—	$	—	$	—	$	—	$	26
Number of non-performing restructured loan accounts		—		—		1		—		—		—		—		—		—		1