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CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
ASSETS    
Cash and due from banks $ 2,359 $ 2,012
Interest-bearing deposits in other financial institutions and federal funds sold 9,868 22,452
Cash and Cash Equivalents 12,227 24,464
Investment securities available for sale, at fair value 104,141 107,949
Restricted equity securities, at cost 251 1,671
Loans, net of deferred fees and costs 215,320 205,219
Less: Allowance for credit losses (2,568) (2,839)
Loans, net 212,752 202,380
Premises and equipment, net 2,463 2,678
Bank owned life insurance 8,966 8,834
Deferred tax assets, net 7,475 8,548
Accrued interest receivable 1,340 1,345
Accrued taxes receivable 310 148
Prepaid expenses 434 471
Goodwill 317  
Other assets 1,118 468
Total Assets 351,794 358,956
LIABILITIES    
Noninterest-bearing deposits 107,368 100,747
Interest-bearing deposits 221,701 208,442
Total Deposits 329,069 309,189
Short-term borrowings   30,000
Defined pension liability 341 330
Accrued expenses and other liabilities 1,655 1,620
Total Liabilities 331,065 341,139
STOCKHOLDERS' EQUITY    
Common stock, par value $1, authorized 15,000,000 shares, issued and outstanding 2,919,695 and 2,900,681 shares as of September 30, 2025 and December 31, 2024 respectively 2,920 2,901
Additional paid-in capital 11,119 11,037
Deferred compensation, restricted stock (84)  
Retained earnings 22,948 22,882
Accumulated other comprehensive loss (16,174) (19,003)
Total Stockholders' Equity 20,729 17,817
Total Liabilities and Stockholders' Equity $ 351,794 $ 358,956