Southern First Bancshares (SFST) 10-K 3 Mar 25 2024 FY Annual report Financial data

Cover

Cover - USD ($)	12 Months Ended
	Dec. 31, 2024	Mar. 03, 2025	Jun. 30, 2024
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Transition Report	false
Document Period End Date	Dec. 31, 2024
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2024
Current Fiscal Year End Date	--12-31
Entity File Number	000-27719
Entity Registrant Name	Southern First Bancshares, Inc.
Entity Central Index Key	0001090009
Entity Tax Identification Number	58-2459561
Entity Incorporation, State or Country Code	SC
Entity Address, Address Line One	6 Verdae Boulevard
Entity Address, City or Town	Greenville
Entity Address, State or Province	SC
Entity Address, Postal Zip Code	29607
City Area Code	864
Local Phone Number	679-9000
Title of 12(b) Security	Common Stock
Trading Symbol	SFST
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Public Float			$ 224,378,032
Entity Common Stock, Shares Outstanding		8,177,372
Documents Incorporated by Reference [Text Block]	Portions of the registrant’s Proxy Statement relating to the Annual Meeting of Shareholders to be held on May 20, 2025 are incorporated by reference into Part III of this Annual Report on Form 10-K where indicated.
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Auditor Firm ID	149
Auditor Name	Elliott Davis, LLC
Auditor Location	Greenville, South Carolina

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Cash and cash equivalents:
Cash and due from banks	$ 22,553	$ 28,020
Federal funds sold	128,452	119,349
Interest-bearing deposits with banks	11,858	8,801
Total cash and cash equivalents	162,863	156,170
Investment securities:
Investment securities available for sale	132,127	134,702
Other investments	19,490	19,939
Total investment securities	151,617	154,641
Mortgage loans held for sale	4,565	7,194
Loans	3,631,767	3,602,627
Less allowance for credit losses	(39,914)	(40,682)
Loans, net	3,591,853	3,561,945
Bank owned life insurance	54,070	52,501
Property and equipment, net	88,794	94,301
Deferred income taxes, net	13,467	12,200
Other assets	20,364	16,837
Total assets	4,087,593	4,055,789
LIABILITIES
Deposits	3,435,765	3,379,564
Federal Home Loan Bank advances and other borrowings	240,000	275,000
Subordinated debentures	24,903	36,322
Other liabilities	56,481	52,436
Total liabilities	3,757,149	3,743,322
SHAREHOLDERS’ EQUITY
Preferred stock, par value $.01 per share, 10,000,000 shares authorized
Common stock, par value $.01 per share, 20,000,000 shares authorized, 8,164,872 shares issued and outstanding at December 31, 2024; 10,000,000 shares authorized, 8,088,186 shares issued and outstanding at December 31, 2023	82	81
Nonvested restricted stock	(3,884)	(3,596)
Additional paid-in capital	124,641	121,777
Accumulated other comprehensive loss	(11,472)	(11,342)
Retained earnings	221,077	205,547
Total shareholders’ equity	330,444	312,467
Total liabilities and shareholders’ equity	$ 4,087,593	$ 4,055,789

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Dec. 31, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Preferred stock par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	10,000,000	10,000,000
Common stock, par value	$ 0.01	$ 0.01
Common stock, authorized shares	20,000,000	10,000,000
Common stock, issued shares	8,164,872	8,088,186
Common stock, outstanding shares	8,164,872	8,088,186

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Interest income
Loans	$ 186,863	$ 166,137	$ 114,233
Investment securities	5,812	4,463	1,990
Federal funds sold and interest-bearing deposits with banks	8,537	6,998	1,439
Total interest income	201,212	177,598	117,662
Interest expense
Deposits	108,774	91,373	18,102
Borrowings	11,216	8,571	1,939
Total interest expense	119,990	99,944	20,041
Net interest income	81,222	77,654	97,621
Provision for credit losses	125	1,260	6,155
Net interest income after provision for credit losses	81,097	76,394	91,466
Noninterest income
Mortgage banking income	5,560	4,036	4,198
Service fees on deposit accounts	1,764	1,382	1,265
ATM and debit card income	2,337	2,245	2,163
Income from bank owned life insurance	1,569	1,379	1,289
Gain (loss) on disposal of fixed assets	28		(394)
Other income	883	818	1,059
Total noninterest income	12,141	9,860	9,580
Noninterest expenses
Compensation and benefits	43,546	40,275	38,790
Occupancy	10,291	10,255	9,105
Outside service and data processing costs	7,741	7,078	6,112
Insurance	4,022	3,766	1,686
Professional fees	2,404	2,496	2,635
Marketing	1,412	1,357	1,216
Other	3,910	3,600	3,389
Total noninterest expenses	73,326	68,827	62,933
Income before income tax expense	19,912	17,427	38,113
Income tax expense	4,382	4,001	8,998
Net income available to common shareholders	$ 15,530	$ 13,426	$ 29,115
Earnings per common share
Basic	$ 1.92	$ 1.67	$ 3.66
Diluted	$ 1.91	$ 1.66	$ 3.61
Weighted average common shares outstanding
Basic	8,080,623	8,046,633	7,958,294
Diluted	8,117,057	8,078,454	8,071,690

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Statement [Abstract]
Net income	$ 15,530	$ 13,426	$ 29,115
Unrealized gain (loss) on securities available for sale:
Unrealized holding gain (loss) arising during the period, pretax	(165)	2,620	(16,027)
Tax benefit (expense)	35	(552)	3,367
Reclassification of realized (gain) loss			(12)
Tax expense (benefit)			2
Other comprehensive income (loss)	(130)	2,068	(12,670)
Comprehensive income	$ 15,400	$ 15,494	$ 16,445

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Common stock	Preferred stock	Nonvested restricted stock	Additional paid-in capital	Accumulated other comprehensive income (loss)	Retained Earnings	Total
Beginning balance, value at Dec. 31, 2021	$ 79		$ (1,435)	$ 114,226	$ (740)	$ 165,771	$ 277,901
Beginning balance shares outstnding at Dec. 31, 2021	7,925,819
Adoption of ASU 2016-13						(2,765)	(2,765)
Net income						29,115	29,115
Proceeds from exercise of stock options	$ 1			904			905
Proceeds from exercise of stock options (in Shares)	32,375
Issuance of restricted stock, net of forfeitures			(2,970)	2,970
Issuance of restricted stock (in Shares)	52,851
Compensation expense related to restricted stock, net of tax			1,099				1,099
Compensation expense related to stock options, net of tax				927			927
Other comprehensive income (loss)					(12,670)		(12,670)
Ending balance, value at Dec. 31, 2022	$ 80		(3,306)	119,027	(13,410)	192,121	294,512
Ending balance shares outstanding at Dec. 31, 2022	8,011,045
Net income						13,426	13,426
Proceeds from exercise of stock options				518			518
Proceeds from exercise of stock options (in Shares)	26,250
Issuance of restricted stock, net of forfeitures	$ 1		(1,705)	1,704
Issuance of restricted stock (in Shares)	50,891
Compensation expense related to restricted stock, net of tax			1,415				1,415
Compensation expense related to stock options, net of tax				528			528
Other comprehensive income (loss)					2,068		2,068
Ending balance, value at Dec. 31, 2023	$ 81		(3,596)	121,777	(11,342)	205,547	312,467
Ending balance shares outstanding at Dec. 31, 2023	8,088,186
Net income						15,530	15,530
Proceeds from exercise of stock options				294			294
Proceeds from exercise of stock options (in Shares)	16,250
Issuance of restricted stock, net of forfeitures	$ 1		(2,197)	2,196
Issuance of restricted stock (in Shares)	60,436
Compensation expense related to restricted stock, net of tax			1,909				1,909
Compensation expense related to stock options, net of tax				374			374
Other comprehensive income (loss)					(130)		(130)
Ending balance, value at Dec. 31, 2024	$ 82		$ (3,884)	$ 124,641	$ (11,472)	$ 221,077	$ 330,444
Ending balance shares outstanding at Dec. 31, 2024	8,164,872

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating activities
Net income	$ 15,530	$ 13,426	$ 29,115
Adjustments to reconcile net income to cash provided by operating activities:
Provision for credit losses	125	1,260	6,155
Depreciation and other amortization	4,810	4,816	3,698
Accretion and amortization of securities discounts and premiums, net	554	61	694
(Gain) loss on sale of investment securities available for sale			(12)
(Gain) loss on sale of fixed assets	(28)		394
Net change in operating leases	145	233	872
Compensation expense related to stock options and restricted stock grants	2,283	1,943	2,026
Gain on sale of loans held for sale	(5,447)	(3,790)	(2,914)
Loans originated and held for sale	(188,906)	(147,040)	(165,698)
Proceeds from sale of loans held for sale	196,982	147,553	178,251
Increase in cash surrender value of bank owned life insurance	(1,569)	(1,379)	(1,289)
Increase in deferred tax asset	(1,232)	(230)	(22)
Increase in other assets, net	(3,527)	(1,378)	(5,047)
Increase in other liabilities, net	5,838	2,178	4,082
Net cash provided by operating activities	25,558	17,653	50,305
Investing activities
Increase in loans, net	(30,408)	(329,431)	(782,130)
Purchase of property and equipment	(785)	(1,242)	(13,950)
Purchase of investment securities:
Available for sale	(23,937)	(63,224)	(13,048)
Other investments	(4,301)	(51,642)	(27,751)
Proceeds from maturities, calls and repayments of investment securities:
Available for sale	25,793	24,428	10,833
Other investments	4,750	42,536	20,939
Proceeds from sales of investment securities available for sale			12,429
Proceeds from sale of fixed assets	28		95
Net cash used for investing activities	(28,860)	(378,575)	(792,583)
Financing activities
Increase in deposits, net	56,201	245,700	570,038
Increase (decrease) in Federal Home Loan Bank advances and other borrowings	(35,000)	100,000	175,000
Decrease in subordinated debentures	(11,500)
Proceeds from the exercise of stock options	294	518	905
Net cash provided by financing activities	9,995	346,218	745,943
Net increase (decrease) in cash and cash equivalents	6,693	(14,704)	3,665
Cash and cash equivalents, beginning of year	156,170	170,874	167,209
Cash and cash equivalents, end of year	162,863	156,170	170,874
Supplemental information
Interest	119,348	93,351	18,877
Income taxes	3,767	1,514	11,828
Schedule of non-cash transactions
Unrealized gain (loss) on securities, net of income taxes	(130)	2,068	(12,660)
Right-of-use assets obtained in exchange for lease obligations:
Operating leases		$ 145	$ 595

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure [Table]
Net Income (Loss)	$ 15,530	$ 13,426	$ 29,115

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2024
Trading Arrangements, by Individual [Table]
Material Terms of Trading Arrangement		During the three months ended December 31, 2024, no director or “officer” of the Company adopted terminated
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Insider Trading Policies and Pr

Insider Trading Policies and Procedures	12 Months Ended
	Dec. 31, 2024
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Abstract]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	We depend heavily on various information systems and electronic resources to conduct our business operations. Additionally, a majority of our clients, service providers, and other business partners on whom we rely, including providers of our online banking, mobile banking, and accounting systems, utilize their own electronic information systems. Any of these systems are susceptible to compromise, whether by employees, clients, or other authorized individuals, as well as by malicious actors employing sophisticated and continuously evolving software, tools, and strategies. Given our status as a financial services provider and our relative size, we and our business partners are considered high-value targets for such malicious actors. For further details, please refer to the "Risks Related to Information Security and Business Interruption" section of the Risk Factors outlined in Item 1A of this Form 10-K. As a result, we have devoted significant resources to assessing, identifying, and managing cybersecurity risks and threats, including: · Maintaining policies and procedures regarding security operations and governance through the implementation of an Information Security Program; · Establishing a committee responsible for security administration, including regular assessments of our systems, existing controls, vulnerabilities, and potential improvements; · Implementing multi-layered controls to avoid reliance on single controls; · Utilizing both preventative and detective tools to monitor and block suspicious activity and to alert of potential threats; · Keeping abreast of new technology and evaluating tools to help respond to threats to cybersecurity in real time; · Managing and maintaining cybersecurity controls utilizing available people, processes and technology; · Utilizing a third-party risk management program for purposes of identifying, assessing and managing risks involved with external service providers; · Conducting thorough due diligence concerning our third-party service providers, including evaluating their cybersecurity practices; · Collaborating with third-party cybersecurity consultants, who perform regular penetration testing, vulnerability assessments, and other procedures to identify potential weaknesses in our systems and processes; · Providing regular cybersecurity training for both our employees and Board of Directors.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	As a result, we have devoted significant resources to assessing, identifying, and managing cybersecurity risks and threats, including: · Maintaining policies and procedures regarding security operations and governance through the implementation of an Information Security Program; · Establishing a committee responsible for security administration, including regular assessments of our systems, existing controls, vulnerabilities, and potential improvements; · Implementing multi-layered controls to avoid reliance on single controls; · Utilizing both preventative and detective tools to monitor and block suspicious activity and to alert of potential threats; · Keeping abreast of new technology and evaluating tools to help respond to threats to cybersecurity in real time; · Managing and maintaining cybersecurity controls utilizing available people, processes and technology; · Utilizing a third-party risk management program for purposes of identifying, assessing and managing risks involved with external service providers; · Conducting thorough due diligence concerning our third-party service providers, including evaluating their cybersecurity practices; · Collaborating with third-party cybersecurity consultants, who perform regular penetration testing, vulnerability assessments, and other procedures to identify potential weaknesses in our systems and processes; · Providing regular cybersecurity training for both our employees and Board of Directors.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Information Security Program, overseen by our Executive Project and Technology Risk Committee (“EPTRC”), plays a vital role in our overall risk management system.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	We also have an Incident Response Plan which is continually updated in response to an ever-changing threat landscape to provide long-term strategies for remediation, prevention of future incidents and resiliency to all types of threats.
Cybersecurity Risk Role of Management [Text Block]	The Information Security Program, overseen by our Executive Project and Technology Risk Committee (“EPTRC”), plays a vital role in our overall risk management system. We also have an Incident Response Plan which is continually updated in response to an ever-changing threat landscape to provide long-term strategies for remediation, prevention of future incidents and resiliency to all types of threats. Occasionally, we have encountered cybersecurity threats necessitating adjustments to our procedures and the integration of extra safeguards. Although these specific threats or incidents haven't significantly impacted us thus far, it is possible that future threats and incidents we detect could potentially have a material adverse effect on our business strategy, results of operations, and financial condition. Our management team is tasked with the daily management of the cybersecurity risks we encounter and supervises the EPTRC. Our EPTRC, in turn, oversees the assessment of information security, the creation of policies, standards, and procedures, as well as testing, training, and security reporting processes for our Company. The EPTRC is comprised of management with the appropriate expertise and authority to ensure effective oversight of the Information Security Program. Furthermore, our Board of Directors, both collectively and through its Risk Committee, holds responsibility for overseeing risk management, including cybersecurity risks.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	Furthermore, our Board of Directors, both collectively and through its Risk Committee, holds responsibility for overseeing risk management, including cybersecurity risks.

Summary of Significant Accounti

Summary of Significant Accounting Policies and Activities	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Summary of Significant Accounting Policies and Activities	Summary of Significant Accounting Policies and Activities Southern First Bancshares, Inc. Basis of Presentation The accompanying consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Southern First Bank. In consolidation, all significant intercompany transactions have been eliminated. The accounting and reporting policies conform to accounting principles generally accepted in the United States of America. In accordance with guidance issued by the Financial Accounting Standards Board (“FASB”), the operations of the Trusts have not been consolidated in these financial statements. Use of Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of income and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for credit losses, derivatives, real estate acquired in settlement of loans, fair value of financial instruments, evaluating investment securities for credit impairment and valuation of deferred tax assets. Risks and Uncertainties In the normal course of its business, the Company encounters two significant types of risks: economic and regulatory. There are three main components of economic risk: interest rate risk, credit risk and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice at different speeds, or on different bases, than its interest-earning assets. Credit risk is the risk of default within the Company’s loan portfolio that results from borrowers’ inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of collateral underlying loans receivable and the valuation of real estate held by the Company. There were several notable bank failures in 2023, driven primarily by liquidity challenges as depositors rapidly withdrew funds. These failures were exacerbated by the impact of rising interest rates, which left affected banks unable to sell long-term investment securities without incurring significant losses. In response, regulators took steps to stabilize the banking system, including ensuring that losses to the Deposit Insurance Fund used to support uninsured depositors would be recovered through a special assessment on banks, as mandated by law. This has increased and may continue to increase the cost of our FDIC insurance assessments. While the immediate banking turmoil has largely subsided, ongoing economic uncertainties—including the Federal Reserve's evolving monetary policy, persistent inflationary pressures, and concerns about commercial real estate exposure—continue to shape the financial landscape. The long-term impact of these developments on the economy, financial institutions, and regulatory frameworks remains uncertain. The Company is subject to the regulations of various governmental agencies. These regulations can and do change significantly from period to period. The Company also undergoes periodic examinations by the regulatory agencies, which may subject it to changes with respect to valuation of assets, amount of required credit loss allowance and operating restrictions resulting from the regulators’ judgments based on information available to them at the time of their examinations. The Bank makes loans to individuals and businesses in the Upstate, Midlands, and Lowcountry regions of South Carolina as well as the Triangle, Triad and Charlotte regions of North Carolina and Atlanta, Georgia for various personal and commercial purposes. The Bank’s loan portfolio has a concentration of real estate loans. As of December 31, 2024 and 2023, real estate loans represented 83.5% 84.8% As of December 31, 2024, the Company’s and the Bank’s capital ratios were in excess of all regulatory requirements. While management believes that we have sufficient capital to withstand an extended economic recession, our reported and regulatory capital ratios could be adversely impacted by future credit losses. The Company maintains access to multiple sources of liquidity, including a $ 15 15 Subsequent Events Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date. Management performed an evaluation to determine whether there have been any subsequent events since the balance sheet date and determined that no subsequent events occurred requiring accrual or disclosure. Reclassifications Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders’ equity or net income. Cash and Cash Equivalents Cash and cash equivalents include cash and due from banks, interest bearing deposits and federal funds sold. Cash and cash equivalents have original maturities of three months or less, and federal funds sold are generally purchased and sold for one-day periods. Accordingly, the carrying value of these instruments is deemed to be a reasonable estimate of fair value. At December 31, 2024 and 2023, included in cash and cash equivalents was $ 5.4 5.1 Investment Securities We classify our investment securities as held to maturity securities, trading securities and available for sale securities as applicable. Investment securities are designated as held to maturity if we have the intent and the ability to hold the securities to maturity. Held to maturity securities are carried at amortized cost, adjusted for the amortization of any related premiums or the accretion of any related discounts into interest income using a methodology which approximates a level yield of interest over the estimated remaining period until maturity. Investment securities that are purchased and held principally for the purpose of selling in the near term are reported as trading securities. Trading securities are carried at fair value with unrealized holding gains and losses included in earnings. We classify investment securities as available for sale when at the time of purchase we determine that such securities may be sold at a future date or if we do not have the intent or ability to hold such securities to maturity. Securities designated as available for sale are recorded at fair value. Changes in the fair value of available for sale debt securities are included in shareholders’ equity as unrealized gains or losses, net of the related tax effect. Realized gains or losses on available for sale securities are computed on the specific identification basis. Allowance for Credit Losses – Investment Securities For available for sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or if it is more likely than not that it will be required to sell the security before recovery of the amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income with the establishment of an allowance under the Current Expected Credit Loss Model (“CECL”). For debt securities available for sale that do not meet the aforementioned criteria, the Company evaluates whether any decline in fair value is due to credit loss factors. In making this assessment, management considers any changes to the rating of the security by a rating agency and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of the cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses under CECL are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an available for sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. At December 31, 2024 and 2023, there was no allowance for credit losses related to the available-for-sale portfolio. In addition, the Company had no held to maturity securities at December 31, 2024 and 2023. Accrued interest receivable on available for sale debt securities totaled $ 576,000 530,000 Other Investments Other investments include stock acquired for membership and regulatory purposes, such as Federal Home Loan Bank of Atlanta (“FHLB”) stock, investments in unconsolidated subsidiaries and other nonmarketable securities. FHLB stock is generally pledged against any borrowings from the FHLB and cash dividends on our FHLB stock are recorded in investment income. Other nonmarketable securities consist of investments in funds related to the Small Business Investment Company (“SBIC”) and Rural Business Investment Company (“RBIC”) programs, as well as an investment in a South Carolina not-for-profit corporation. No ready market exists for these stocks and they have no quoted market value. As a result, these securities are carried at cost and are periodically evaluated for impairment. Loans Loans are stated at the principal balance outstanding. Unamortized net loan fees and the allowance for possible credit losses are deducted from total loans on the balance sheets. Interest income is recognized over the term of the loan based on the principal amount outstanding. The net of loan origination fees received and direct costs incurred in the origination of loans is deferred and amortized to interest income over the contractual life of the loans adjusted for actual principal prepayments using a method approximating the interest method. Allowance for Credit Losses - Loans Under CECL, the allowance for credit losses on loans is a valuation allowance estimated at each balance sheet date in accordance with GAAP that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Management assesses the adequacy of the allowance on a quarterly basis. This assessment includes procedures to estimate the allowance and test the adequacy and appropriateness of the resulting balance. The level of the allowance is based upon management's evaluation of historical default and loss experience, current and projected economic conditions, asset quality trends, known and inherent risks in the portfolio, adverse situations that may affect the borrowers' ability to repay a loan, the estimated value of any underlying collateral, composition of the loan portfolio, industry and peer bank loan quality indications and other pertinent factors, including regulatory recommendations. Management believes the level of the allowance for credit losses is adequate to absorb all expected future losses inherent in the loan portfolio at the balance sheet date. The allowance is increased through provision for credit losses and decreased by charge-offs, net of recoveries of amounts previously charged-off. The allowance for credit losses is measured on a collective basis for pools of loans with similar risk characteristics. The Company has identified the following pools of financial assets with similar risk characteristics for measuring expected credit losses: Commercial loans ● Owner occupied real estate - Owner occupied commercial mortgages consist of loans to purchase or re-finance owner occupied nonresidential properties. This includes office buildings, other commercial facilities, and farmland. Commercial mortgages secured by owner occupied properties are primarily dependent on the ability of borrowers to achieve business results consistent with those projected at loan origination. While these loans and leases are collateralized by real property in an effort to mitigate risk, it is possible the liquidation of collateral will not fully satisfy the obligation. ● Non-owner occupied real estate - Non-owner occupied commercial mortgages consist of loans to purchase or refinance investment nonresidential properties. This includes office buildings and other facilities rented or leased to unrelated parties, as well as farmland and multifamily properties. The primary risk associated with income producing commercial mortgage loans is the ability of the income-producing property that collateralizes the loan to produce adequate cash flow to service the debt. While these loans are collateralized by real property in an effort to mitigate risk, it is possible the liquidation of collateral will not fully satisfy the obligation. ● Construction - Construction loans consist of loans to finance land for development of commercial or residential real property and construction of multifamily apartments or other commercial properties. These loans are highly dependent on the supply and demand for commercial real estate as well as the demand for newly constructed residential homes and lots acquired for development. Deterioration in demand could result in decreased collateral values, which could make repayments of outstanding loans difficult for customers. ● Commercial business - Commercial business loans consist of loans or lines of credit to finance accounts receivable, inventory or other general business needs, business credit cards, and lease financing agreements for equipment, vehicles, or other assets. The primary risk associated with commercial and industrial and lease financing loans is the ability of borrowers to achieve business results consistent with those projected at origination. Failure to achieve these projections presents risk the borrower will be unable to service the debt consistent with the contractual terms of the loan. Consumer loans ● Real estate - Residential mortgages consist of loans to purchase or refinance the borrower’s primary dwelling, second residence or vacation home and are often secured by 1-4 family residential property. Significant and rapid declines in real estate values can result in borrowers having debt levels in excess of the current market value of the collateral. ● Home equity - Home equity loans consist of home equity lines of credit and other lines of credit secured by first or second liens on the borrower’s primary residence. These loans are secured by both senior and junior liens on the residential real estate and are particularly susceptible to declining collateral values. This risk is elevated for loans secured by junior lines as a substantial decline in value could render the junior lien position effectively unsecured. ● Construction - Construction loans consist of loans to construct a borrower’s primary or secondary residence or vacant land upon which the owner intends to construct a dwelling at a future date. These loans are typically secured by undeveloped or partially developed land in anticipation of completing construction of a 1-4 family residential property. There is risk these construction and development projects can experience delays and cost overruns exceeding the borrower’s financial ability to complete the project. Such cost overruns can result in foreclosure of partially completed and unmarketable collateral. ● Other - Consumer loans consist of loans to finance unsecured home improvements, student loans, automobiles and revolving lines of credit that can be secured or unsecured. The value of the underlying collateral within this class is at risk of potential rapid depreciation which could result in unpaid balances in excess of the collateral. For all loan pools, the Company uses a lifetime probability of default and loss given default modeling approach to estimate the allowance for credit losses on loans. This method uses historical correlations between default experience and the age of loans to forecast defaults and losses, assuming that a loan in a pool shares similar risk characteristics such as loan product type, risk rating and loan age, and demonstrates similar default characteristics as other loans in that pool, as the loan progresses through its lifecycle. The Company calculates lifetime probability of default and loss given default rates based on historical loss experience, which is used to calculate expected losses based on the pool’s loss rate and the age of loans in the pool. Management believes that the Company’s historical loss experience provides the best basis for its assessment of expected credit losses to determine the allowance for credit losses. The Company uses its own internal data to measure historical credit loss experience within the pools with similar risk characteristics over an economic cycle. The probability of default and loss given default method also includes assumptions of observed migration over the lifetime of the underlying loan data. Management also considers further adjustments to historical loss information for current conditions and reasonable and supportable forecasts that differ from the conditions that exist for the period over which historical information is evaluated as well as other changes in qualitative factors not inherently considered in the quantitative analyses. The Company generally utilizes a four-quarter forecast period in evaluating the appropriateness of the reasonable and supportable forecast scenarios which are incorporated through qualitative adjustments. There is immediate reversion to historical loss rates. The qualitative categories and the measurements used to quantify the risks within each of these categories are subjectively selected by management but measured by objective measurements period over period. The data for each measurement may be obtained from internal or external sources. The current period measurements are evaluated and assigned a factor commensurate with the current level of risk relative to past measurements over time. The resulting qualitative adjustments are applied to the relevant collectively evaluated loan pools. These adjustments are based upon quarterly trend assessments in certain economic factors such as labor, inflation, consumer sentiment and real disposable income, as well as associate retention and turnover, portfolio concentrations, and growth characteristics. The qualitative analysis increases or decreases the allowance allocation for each loan pool based on the assessment of factors described above. Management continues to update and expand the qualitative framework to further address factors not captured in the quantitative process. Loans that do not share similar risk characteristics with the collectively evaluated pools are evaluated on an individual basis and are excluded from the collectively evaluated loan pools. Individual loan evaluations are generally performed for nonaccrual loans and other loans as considered necessary. Such loans are evaluated for credit losses based on either discounted cash flows or the fair value of collateral. The Company has elected the practical expedient under ASC 326 to estimate expected credit losses based on the fair value of collateral, which considers selling costs in the event sale of the collateral is expected. Loans for which terms have been modified are evaluated using these same individual evaluation methods. In the event the discounted cash flow method is used for a loan modification, the original interest rate is used to discount expected cash flows. While the Company’s policies and procedures used to estimate the allowance for credit losses, as well as the resulting provision for credit losses charged to income, are considered adequate by management and are reviewed periodically by regulators, model validators and internal audit, they are necessarily approximate and imprecise. There are factors beyond the Company’s control, such as changes in projected economic conditions, real estate markets or particular industry conditions which may materially impact asset quality and the adequacy of the allowance for credit losses and thus the resulting provision for credit losses. Accrued Interest Receivable Accrued interest receivable related to loans totaled $ 11 11.6 Unfunded Commitments Effective with the adoption of CECL, the Company estimates expected credit losses on commitments to extend credit over the contractual period in which the Company is exposed to credit risk on the underlying commitments, unless the obligation is unconditionally cancelable by the Company. The allowance for off-balance sheet credit exposures, which is reflected within other liabilities on the consolidated balance sheets, is adjusted for as an increase or decrease to the provision for credit losses. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The allowance is calculated using the same aggregate reserve rates calculated for the funded portion of loans at the portfolio level applied to the amount of commitments expected to fund. The Company's CECL allowances will fluctuate over time due to macroeconomic conditions and forecasts as well as the size and composition of the loan portfolios. Nonaccrual and Past Due Loans Loans are generally placed on nonaccrual status when principal or interest becomes 90 days past due, or when payment in full is not anticipated. When a loan is placed on nonaccrual status, interest accrued but not received is generally reversed against interest income. Cash receipts on nonaccrual loans are not recorded as interest income, but are used to reduce the loan’s principal balance. A nonaccrual loan is generally returned to accrual status and accrual of interest is resumed when payments have been made according to the terms and conditions of the loan for a continuous six month period. Our loans are considered past due when contractually required principal or interest payments have not been made on the due dates. Nonperforming Assets Nonperforming assets include real estate acquired through foreclosure or deed taken in lieu of foreclosure, loans on nonaccrual status and loans past due 90 days or more and still accruing interest. Loans are placed on nonaccrual status when, in the opinion of management, the collection of additional interest is uncertain. Thereafter no interest is taken into income until such time as the borrower demonstrates the ability to pay both principal and interest. Individually Evaluated Loans Our individually evaluated loans include loans on nonaccrual status and other loans as needed. For loans that are classified as individually evaluated, an allowance is established when the fair value (discounted cash flows, collateral value, or observable market price) of the individually evaluated loan less costs to sell, are lower than the carrying value of that loan. A loan is considered individually evaluated when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due, among other factors. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as individually evaluated. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including, without limitation, the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The allowance for credit loss is measured on a loan by loan basis for commercial and consumer loans by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Loan Charge-off Policy For commercial loans, we generally fully charge off or charge collateralized loans down to net realizable value when management determines the loan to be uncollectible; repayment is deemed to be projected beyond reasonable time frames; the loan has been classified as a loss by either our internal loan review process or our banking regulatory agencies; the client has filed bankruptcy and the loss becomes evident owing to a lack of assets; or the loan is 120 days past due unless both well-secured and in the process of collection. For consumer loans, we generally charge down to net realizable value when the loan is 180 days past due. Loan Modifications to Borrowers Experiencing Financial Difficulty Loans that are modified are reviewed by the Company to identify if the modification was due to a borrower experiencing financial difficulty. Terms may be modified to fit the ability of the borrower to repay in line with its current financial status. The modification of the terms of such loans includes one or a combination of the following: a reduction of the stated interest rate of the loan, an extension of the maturity date, a permanent reduction of the recorded investment of the loan, or an other-than-insignificant payment delay. The adoption of Accounting Standards Update (“ASU”) 2022-02 on January 1, 2023 eliminated the recognition and measurement of troubled debt restructurings (“TDRs”) and enhanced disclosures for modifications to loans related to borrowers experiencing financial difficulties. Other Real Estate Owned (“OREO”) Real estate acquired through foreclosure is initially recorded at the lower of cost or estimated fair value less selling costs. Subsequent to the date of acquisition, it is carried at the lower of cost or fair value, adjusted for net selling costs. Fair values of real estate owned are reviewed regularly and write-downs are recorded when it is determined that the carrying value of real estate exceeds the fair value less estimated costs to sell. Costs relating to the development and improvement of such property are capitalized, whereas those costs relating to holding the property are expensed. Property and Equipment Property and equipment are stated at cost. Major repairs are charged to operations, while major improvements are capitalized. Depreciation is computed using the straight-line method over the estimated useful lives of the related assets. Upon retirement, sale, or other disposition of property and equipment, the cost and accumulated depreciation are eliminated from the accounts, and gain or loss is included in income from operations. Construction in progress is stated at cost, which includes the cost of construction and other direct costs attributable to the construction. No provision for depreciation is made on construction in progress until such time as the relevant assets are completed and put into use. Operating Leases The Company maintains operating leases on land and buildings for various office spaces. The operating right-of-use asset is included in property and equipment and the operating right-of-use liability is included in other liabilities on the balance sheets. The right-of-use asset and lease liability are recognized at lease commencement by calculating the net present value of the lease payments over the lease term. Bank Owned Life Insurance Policies Bank owned life insurance policies represent the cash value of policies on certain officers of the Company. Comprehensive Income Comprehensive income (loss) consists of net income and net unrealized gains (losses) on securities and is presented in the statements of shareholders’ equity and comprehensive income. The statement requires only additional disclosures in the consolidated financial statements; it does not affect our results of operations. Revenue from Contracts with Customers The Company records revenue from contracts with customers in accordance with Accounting Standards Codification Topic 606, “Revenue from Contracts with Customers” (“Topic 606”). Under Topic 606, the Company must identify the contract with a customer, identify the performance obligations in the contract, determine the transaction price, allocate the transaction price to the performance obligations in the contract, and recognize revenue when (or as) the Company satisfies a performance obligation. Significant revenue has not been recognized in the current reporting period that results from performance obligations satisfied in previous periods. The Company’s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Company has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Company generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, the Company has made no significant judgments in applying the revenue guidance prescribed in Topic 606 that affect the determination of the amount and timing of revenue from contracts with customers. Income Taxes The financial statements have been prepared on the accrual basis. When income and expenses are recognized in different periods for financial reporting purposes versus for the purposes of computing income taxes currently payable, deferred taxes are provided on such temporary differences. Deferred tax assets and liabilities are recognized for the expected future tax consequences of events that have been recognized in the consolidated financial statements or tax returns. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be realized or settled. The Company believes that its income tax filing positions taken or expected to be taken on its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company’s financial condition, results of operations, or cash flow. Therefore, no reserves for uncertain income tax positions have been recorded. The Company’s federal and state income tax returns are open and subject to examination from the 2021 tax return year and forward. Stock-Based Compensation The Company has a stock-based employee compensation plan. Compensation cost is recognized for all stock options granted and for any outstanding unvested awards as if the fair value method had been applied to those awards as of the date of grant. Adoption of New Accounting Standard In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326). The ASU introduced a new credit loss methodology, the Current Expected Credit Loss (“CECL”) methodology, which requires earlier recognition of credit losses, while also providing additional transparency about credit risk. Since its original issuance in 2016, the FASB has issued several updates to the original ASU. The CECL methodology utilizes a lifetime “expected credit loss” measurement objective for the

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Investment Securities	NOTE 2 – Investment Securities The amortized costs and fair value of investment securities are as follows: Schedule of amortized costs and fair value of investment securities December 31, 2024 Amortized Gross Unrealized Fair (dollars in thousands) Corporate bonds [Member] Cost Gains Losses Value Available for sale Asset-backed securities [Member] Corporate bonds US treasuries [Member] $ 2,121 - 194 1,927 US treasuries 999 - 91 908 US government agencies US government agencies [Member] 17,540 1 1,746 15,795 State and political subdivisions State and political subdivisions [Member] 22,387 - 3,065 19,322 Asset-backed securities Mortgage-backed securities [Member] 36,613 36 111 36,538 Mortgage-backed securities 66,988 19 9,370 57,637 Total investment securities available for sale $ 146,648 56 14,577 132,127 December 31, 2023 Amortized Gross Unrealized Fair (dollars in thousands) Cost Gains Losses Value Available for sale Corporate bonds $ 2,147 - 237 1,910 US treasuries 9,495 1 102 9,394 US government agencies 20,594 - 1,938 18,656 State and political subdivisions 22,642 11 2,912 19,741 Asset-backed securities 33,450 2 216 33,236 Mortgage-backed securities 60,730 - 8,965 51,765 Total investment securities available for sale $ 149,058 14 14,370 134,702 During 2024 and 2023, $ 10.6 16.5 12.6 83,000 71,000 The amortized costs and fair values of investment securities available for sale at December 31, 2024 and 2023, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because issuers have the right to prepay the obligations. Schedule of amortized costs and fair values of investment securities available for sale by contractual maturity December 31, 2024 December 31, 2023 (dollars in thousands) Amortized Cost Fair Amortized Fair Available for sale Due within one year $ 470 461 $ 9,503 9,467 Due after one through five years 17,897 16,154 10,222 9,279 Due after five through ten years 29,512 26,791 32,159 28,380 Due after ten years 98,769 88,721 97,174 87,576 Total investment securities $ 146,648 132,127 $ 149,058 134,702 The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2024 and 2023. Schedule of gross unrealized losses on investment securities and fair market value of related securities December 31, 2024 Less than 12 months 12 months or longer Total (dollars in thousands) # Fair Unrealized # Fair Unrealized # Fair Unrealized Available for sale Corporate bonds - $ - $ - 1 $ 1,927 $ 194 1 $ 1,927 $ 194 US treasuries - - - 1 908 91 1 908 91 US government agencies 1 2,694 1 9 10,269 1,745 10 12,963 1,746 State and political subdivisions 3 1,436 153 30 17,886 2,912 33 19,322 3,065 Asset-backed securities 6 15,828 83 5 5,344 28 11 21,172 111 Mortgage-backed securities 6 8,226 409 61 45,360 8,961 67 53,586 9,370 Total investment securities 16 $ 28,184 $ 646 107 $ 81,694 $ 13,931 123 $ 109,878 $ 14,577 December 31, 2023 Less than 12 months 12 months or longer Total (dollars in thousands) # Fair Unrealized # Fair Unrealized # Fair Unrealized Available for sale Corporate bonds - $ - $ - 1 $ 1,910 $ 237 1 $ 1,910 $ 237 US treasuries - - - 1 897 102 1 897 102 US government agencies 2 7,533 50 10 11,123 1,888 12 18,656 1,938 State and political subdivisions - - - 30 18,964 2,912 30 18,964 2,912 Asset-backed securities 8 26,746 145 7 4,866 71 15 31,612 216 Mortgage-backed securities 2 2,869 36 62 48,896 8,929 64 51,765 8,965 Total investment securities 12 $ 37,148 $ 231 111 $ 86,656 $ 14,139 123 $ 123,804 $ 14,370 At December 31, 2024, the Company had 123 Other investments are comprised of the following and are recorded at cost which approximates fair value: Schedule of other investments December 31, (dollars in thousands) 2024 2023 Federal Home Loan Bank stock $ 14,516 $ 16,063 Other nonmarketable investments 4,571 3,473 Investment in Trust Preferred subsidiaries 403 403 Total other investments $ 19,490 $ 19,939 The Company has evaluated other investments for impairment and determined that the other investments are not impaired as of December 31, 2024 and ultimate recoverability of the par value of the investments is probable. All of the FHLB stock is used to collateralize advances with the FHLB. At December 31, 2024 and 2023, there were no securities pledged as collateral for repurchase agreements from brokers.

Mortgage Loans Held for Sale

Mortgage Loans Held for Sale	12 Months Ended
	Dec. 31, 2024
Mortgage Loans Held For Sale
Mortgage Loans Held for Sale	NOTE 3 – Mortgage Loans Held for Sale Mortgage loans originated and intended for sale in the secondary market are reported as loans held for sale and carried at fair value under the fair value option with changes in fair value recognized in current period earnings. Loans held for sale include mortgage loans which are saleable into the secondary mortgage markets and their fair values are estimated using observable quoted market or contracted prices or market price equivalents, which would be used by other market participants. At the date of funding of the mortgage loan held for sale, the funded amount of the loan, the related derivative asset or liability of the associated interest rate lock commitment, less direct loan costs becomes the initial recorded investment in the loan held for sale. Such amount approximates the fair value of the loan. At December 31, 2024, mortgage loans held for sale totaled $ 4.6 7.2 Mortgage loans held for sale are considered de-recognized, or sold, when the Company surrenders control over the financial assets. Control is considered to have been surrendered when the transferred assets have been isolated from the Company, beyond the reach of the Company and its creditors; the purchaser obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and the Company does not maintain effective control over the transferred assets through an agreement that both entitles and obligates the Company to repurchase or redeem the transferred assets before their maturity or the ability to unilaterally cause the holder to return specific assets. Gains and losses from the sale of mortgage loans are recognized based upon the difference between the sales proceeds and carrying value of the related loans upon sale and are recorded in mortgage banking income in the statement of income. Mortgage banking income also includes the unrealized gains and losses associated with the loans held for sale and the realized and unrealized gains and losses from derivatives. Mortgage loans sold to investors by the Company, and which were believed to have met investor and agency underwriting guidelines at the time of sale, may be subject to repurchase or indemnification in the event of specific default by the borrower or subsequent discovery that underwriting standards were not met. The Company may, upon mutual agreement, agree to repurchase the loans or indemnify the investor against future losses on such loans. In such cases, the Company bears any subsequent credit loss on the loans. As appropriate, the Company establishes mortgage repurchase reserves related to various representations and warranties that reflect management’s estimate of losses. Historically, losses related to repurchased mortgage loans has not been material.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Loans and Allowance for Credit Losses	NOTE 4 – Loans and Allowance for Credit Losses The Company makes loans to individuals and small businesses for various personal and commercial purposes primarily in the Upstate, Midlands, and Lowcountry regions of South Carolina, the Triangle, Triad, and Charlotte regions of North Carolina as well as Atlanta, Georgia. The Company’s loan portfolio is not concentrated in loans to any single borrower or a relatively small number of borrowers. The Company focuses its lending activities on businesses and individuals that reside in the markets that we serve. The principal component of the loan portfolio is loans secured by real estate mortgages which account for 83.5% 55.4% 44.6% 17.9% 25.5% 2.8% In addition to monitoring potential concentrations of loans to particular borrowers or groups of borrowers, industries and geographic regions, management monitors exposure to credit risk from concentrations of lending products and practices such as loans that subject borrowers to substantial payment increases (e.g. principal deferral periods, loans with initial interest-only periods, etc.), and loans with high loan-to-value ratios. Additionally, there are industry practices that could subject the Company to increased credit risk should economic conditions change over the course of a loan’s life. For example, the Company makes variable rate loans and fixed rate principal-amortizing loans with maturities prior to the loan being fully paid (i.e. balloon payment loans). The various types of loans are individually underwritten and monitored to manage the associated risks. Loan Portfolio Composition The following table summarizes the composition of our loan portfolio. Total gross loans are recorded net of deferred loan fees and costs, which totaled $ 6.2 7.0 Schedule of composition of our loan portfolio December 31 (dollars in thousands) Commercial [Member] 2024 2023 Commercial Owner occupied RE Owner occupied RE [Member] $ 651,597 17.9 % $ 631,657 17.5 % Non-owner occupied RE 924,367 25.5 % 942,529 26.2 % Construction Construction [Member] 103,204 2.8 % 150,680 4.2 % Business 556,117 15.3 % 500,161 13.9 % Total commercial loans Consumer [Member] 2,235,285 61.5 % 2,225,027 61.8 % Consumer Real estate Real estate [Member] 1,128,629 31.1 % 1,082,429 30.0 % Home equity Home equity [Member] 204,897 5.6 % 183,004 5.1 % Construction Non-owner occupied RE [Member] 20,874 0.6 % 63,348 1.7 % Other Other [Member] 42,082 1.2 % 48,819 1.4 % Total consumer loans 1,396,482 38.5 % 1,377,600 38.2 % Total gross loans, net of deferred fees 3,631,767 100.0 % 3,602,627 100.0 % Less – allowance for credit losses (39,914 ) (40,682 ) Total loans, net $ 3,591,853 $ 3,561,945 The composition of gross loans by rate type is as follows: Schedule of composition of gross loans by rate type December 31, (dollars in thousands) 2024 2023 Floating rate loans $ 697,897 $ 574,352 Fixed rate loans 2,933,870 3,028,275 Total loans $ 3,631,767 $ 3,602,627 At December 31, 2024, approximately $ 1.29 Credit Quality Indicators The Company tracks credit quality based on its internal risk ratings. Upon origination, a loan is assigned an initial risk grade, which is generally based on several factors such as the borrower’s credit score, the loan-to-value ratio, the debt-to-income ratio, etc. After loans are initially graded, they are monitored regularly for credit quality based on many factors, such as payment history, the borrower’s financial status, and changes in collateral value. Loans can be downgraded or upgraded depending on management’s evaluation of these factors. Internal risk-grading policies are consistent throughout each loan type. A description of the general characteristics of the risk grades is as follows: ● Pass— A pass loan ranges from minimal to average credit risk; however, still has acceptable credit risk. ● Watch— A watch loan exhibits above average credit risk due to minor weaknesses and warrants closer scrutiny by management. ● Special mention — A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date. ● Substandard— A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, which may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. ● Doubtful— A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable. The following table presents loan balances classified by credit quality indicators by year of origination as of December 31, 2024. Schedule of classified by credit quality indicators by year of origination December 31, 2024 (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Revolving Total Commercial Owner occupied RE Pass $ 51,338 47,997 186,361 122,306 66,561 145,743 160 238 620,704 Watch 480 1,180 3,638 1,962 8,828 11,012 - - 27,100 Special Mention - - 162 - - 2,840 - - 3,002 Substandard - - - - - 791 - - 791 Total Owner occupied RE 51,818 49,177 190,161 124,268 75,389 160,386 160 238 651,597 Non-owner occupied RE Pass 50,685 70,517 321,726 145,658 95,994 183,723 360 220 868,883 Watch - 954 6,081 10,238 4,705 8,435 - - 30,413 Special Mention - - - 7,579 - 8,882 - - 16,461 Substandard - - 969 - - 7,641 - - 8,610 Total Non-owner occupied RE 50,685 71,471 328,776 163,475 100,699 208,681 360 220 924,367 Current period gross write-offs - - - - - (1,029 ) - - (1,029 ) Construction Pass 24,076 26,501 34,067 15,000 - - - - 99,644 Watch - 2,420 1,140 - - - - - 3,560 Total Construction 24,076 28,921 35,207 15,000 - - - - 103,204 Business Pass 54,814 41,743 129,450 38,312 15,716 51,566 196,246 803 528,650 Watch - 132 5,353 2,174 1,423 5,243 8,776 389 23,490 Special Mention 660 95 805 - 65 533 - 206 2,364 Substandard 28 - - - 385 630 570 - 1,613 Total Business 55,502 41,970 135,608 40,486 17,589 57,972 205,592 1,398 556,117 Current period gross write-offs - - - (143 ) (347 ) (18 ) (72 ) - (580 ) Total Commercial loans 182,081 191,539 689,752 343,229 193,677 427,039 206,112 1,856 2,235,285 Consumer Real estate Pass 78,287 144,487 277,854 263,079 160,007 153,584 - - 1,077,298 Watch 671 2,409 6,961 8,573 4,147 4,632 - - 27,393 Special Mention 817 1,536 5,987 2,664 2,804 5,181 - - 18,989 Substandard 212 508 967 746 821 1,695 - - 4,949 Total Real estate 79,987 148,940 291,769 275,062 167,779 165,092 - - 1,128,629 Home equity Pass - - - - - - 188,451 - 188,451 Watch - - - - - - 9,114 - 9,114 Special Mention - - - - - - 6,173 - 6,173 Substandard - - - - - - 1,159 - 1,159 Total Home equity - - - - - - 204,897 - 204,897 Current period gross write-offs - - - - - - (45 ) - (45 ) Construction Pass 7,700 3,636 9,222 316 - - - - 20,874 Total Construction 7,700 3,636 9,222 316 - - - - 20,874 Other Pass 2,732 836 1,521 1,593 1,229 2,609 29,660 - 40,180 Watch 167 61 12 366 - 129 595 - 1,330 Special Mention 36 35 325 66 - 65 45 - 572 Total Other 2,935 932 1,858 2,025 1,229 2,803 30,300 - 42,082 Current period gross write-offs - - - - - (38 ) (42 ) - (80 ) Total Consumer loans 90,622 153,508 302,849 277,403 169,008 167,895 235,197 - 1,396,482 Total loans $ 272,703 345,047 992,601 620,632 362,685 594,934 441,309 1,856 3,631,767 Total Current period gross write-offs - - - (143 ) (347 ) (1,085 ) (159 ) - (1,734 ) The following table presents loan balances classified by credit quality indicators by year of origination as of December 31, 2023. December 31, 2023 (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Revolving Total Commercial Owner occupied RE Pass $ 42,846 180,654 138,549 64,818 59,880 110,502 85 166 597,500 Watch - 3,460 460 15,997 3,525 6,616 - - 30,058 Special Mention - 181 - - - 3,057 - - 3,238 Substandard - - - - - 861 - - 861 Total Owner occupied RE 42,846 184,295 139,009 80,815 63,405 121,036 85 166 631,657 Non-owner occupied RE Pass 84,617 298,063 162,697 107,364 59,260 163,990 9,249 - 885,240 Watch 1,007 3,260 9,914 533 5,545 10,630 - - 30,889 Special Mention - - 7,759 - 8,252 879 - - 16,890 Substandard - - 313 - 8,088 1,109 - - 9,510 Total Non-owner occupied RE 85,624 301,323 180,683 107,897 81,145 176,608 9,249 - 942,529 Current period gross write-offs - (200 ) - - - (42 ) - - (242 ) Construction Pass 27,262 86,161 24,399 11,459 - - - - 149,281 Watch - 1,399 - - - - - - 1,399 Total Construction 27,262 87,560 24,399 11,459 - - - - 150,680 Business Pass 48,705 134,999 48,557 18,868 17,292 47,708 146,745 1,431 464,305 Watch 127 15,867 1,833 1,010 842 3,584 7,570 506 31,339 Special Mention 241 961 98 857 184 447 150 97 3,035 Substandard - - 155 - 132 1,195 - - 1,482 Total Business 49,073 151,827 50,643 20,735 18,450 52,934 154,465 2,034 500,161 Current period gross write-offs - - - (28 ) - - (15 ) (22 ) (65 ) Total Commercial loans 204,805 725,005 394,734 220,906 163,000 350,578 163,799 2,200 2,225,027 Consumer Real estate Pass 144,179 273,585 278,138 176,395 66,087 105,383 - - 1,043,767 Watch 490 5,658 8,230 3,917 2,051 3,890 - - 24,236 Special Mention 143 2,499 1,657 1,291 2,220 3,360 - - 11,170 Substandard - - 635 817 318 1,486 - - 3,256 Total Real estate 144,812 281,742 288,660 182,420 70,676 114,119 - - 1,082,429 Home equity Pass - - - - - - 171,003 - 171,003 Watch - - - - - - 6,393 - 6,393 Special Mention - - - - - - 4,283 - 4,283 Substandard - - - - - - 1,325 - 1,325 Total Home equity - - - - - - 183,004 - 183,004 Current period gross write-offs - - - - - - (438 ) - (438 ) Construction Pass 14,339 39,893 9,116 - - - - - 63,348 Total Construction 14,339 39,893 9,116 - - - - - 63,348 Other Pass 1,278 2,551 2,361 1,457 803 2,604 36,549 - 47,603 Watch 9 29 348 - 15 163 58 - 622 Special Mention 33 333 - - 23 82 41 - 512 Substandard - - 75 - - - 7 - 82 Total Other 1,320 2,913 2,784 1,457 841 2,849 36,655 - 48,819 Current period gross write-offs - - - - - - (16 ) - (16 ) Total Consumer loans 160,471 324,548 300,560 183,877 71,517 116,968 219,659 - 1,377,600 Total loans $ 365,276 1,049,553 695,294 404,783 234,517 467,546 383,458 2,200 3,602,627 Total Current period gross write-offs - (200 ) - (28 ) - (42 ) (469 ) (22 ) (761 ) The following tables present loan balances by age and payment status. Schedule of loan balances by age payment status December 31, 2024 (dollars in thousands) Accruing 30-59 Accruing 60-89 Accruing 90 Nonaccrual Accruing Total Commercial Owner occupied RE $ 292 - - - 651,305 651,597 Non-owner occupied RE - - - 7,641 916,726 924,367 Construction - - - - 103,204 103,204 Business 1,319 - - 1,016 553,782 556,117 Consumer Real estate 3,839 938 - 1,908 1,121,944 1,128,629 Home equity 41 - - 312 204,544 204,897 Construction - - - - 20,874 20,874 Other - - - - 42,082 42,082 Total loans $ 5,491 938 - 10,877 3,614,461 3,631,767 December 31, 2023 (dollars in thousands) Accruing 30-59 Accruing 60-89 Accruing 90 Nonaccrual Accruing Total Commercial Owner occupied RE $ 74 - - - 631,583 631,657 Non-owner occupied RE 8,102 - - 1,423 933,004 942,529 Construction - - - - 150,680 150,680 Business 567 - - 319 499,275 500,161 Consumer Real estate 1,750 - - 985 1,079,694 1,082,429 Home equity 601 30 - 1,236 181,137 183,004 Construction - - - - 63,348 63,348 Other 25 25 - - 48,769 48,819 Total loans $ 11,119 55 - 3,963 3,587,490 3,602,627 As of December 31, 2024 and December 31, 2023, loans 30 days or more past due represented 0.25% 0.37% 0.07% 0.27% 0.18% 0.09% Nonperforming assets The following table shows the nonperforming assets and the related percentage of nonperforming assets to total assets and gross loans. Generally, a loan is placed on nonaccrual status when it becomes 90 days past due as to principal or interest, or when we believe, after considering economic and business conditions and collection efforts, that the borrower’s financial condition is such that collection of the contractual principal or interest on the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction in principal when received. Schedule of nonperforming assets December 31, (dollars in thousands) 2024 2023 Nonaccrual loans $ 10,877 3,963 Other real estate owned - - Total nonperforming assets $ 10,877 3,963 Nonperforming assets as a percentage of: Total assets 0.27 % 0.10 % Gross loans 0.30 % 0.11 % Total loans over 90 days past due $ 2,641 1,300 Loans over 90 days past due and still accruing - - The table below summarizes nonaccrual loans by major categories for the periods presented. Schedule of nonaccrual loans by major categories December 31, 2024 December 31, 2023 Nonaccrual Nonaccrual Nonaccrual Nonaccrual loans loans Total loans loans Total with no with an nonaccrual with no with an nonaccral (dollars in thousands) allowance allowance loans allowance allowance loans Commercial Non-owner occupied RE $ 5,844 1,797 7,641 $ 653 770 1,423 Business - 1,016 1,016 164 155 319 Total commercial 5,844 2,813 8,657 817 925 1,742 Consumer Real estate 1,526 382 1,908 - 985 985 Home equity 312 - 312 343 893 1,236 Total consumer 1,838 382 2,220 343 1,878 2,221 Total nonaccrual loans $ 7,682 3,195 10,877 $ 1,160 2,803 3,963 Foregone interest income on the nonaccrual loans for the year ended December 31, 2024 was approximately $ 200,000 73,000 no 113,000 71,000 Modifications to Borrowers Experiencing Financial Difficulty The allowance for credit losses incorporates an estimate of lifetime expected credit losses and is recorded on each asset upon origination or acquisition. The starting point for the estimate of the allowance for credit losses is historical loss information, which includes losses from modifications of receivables to borrowers experiencing financial difficulty. The Company uses a probability of default/loss given default model to determine the allowance for credit losses. An assessment of whether a borrower is experiencing financial difficulty is made on the date of a modification. Because the effect of most modifications made to borrowers experiencing financial difficulty is already included in the allowance for credit losses due to the measurement methodologies used to estimate the allowance, a change to the allowance for credit losses is generally not recorded upon modification. Loan modifications to borrowers experiencing financial difficulty were not material for the twelve months ended December 31, 2024 and December 31, 2023. Allowance for Credit Losses The following table summarizes the activity related to the allowance for credit losses for the years ended December 31, 2024 and December 31, 2023 under the CECL methodology. The $ 500,000 29.1 2.2 329.3 Schedule of activity related to the allowance for credit losses For the years ended December 31, 2024 Commercial Consumer (dollars in thousands) Owner Non- Construction Business Real Home Construction Other Total Balance, beginning of period $ 6,118 11,167 1,594 7,385 10,647 2,600 677 494 40,682 Provision for credit losses (636 ) 81 (654 ) 828 1,712 (155 ) (562 ) (114 ) 500 Loan charge-offs - (1,029 ) - (580 ) - (45 ) - (80 ) (1,734 ) Loan recoveries - - - 112 - 255 - 99 466 Net loan recoveries (charge-offs) - (1,029 ) - (468 ) - 210 - 19 (1,268 ) Balance, end of period $ 5,482 10,219 940 7,745 12,359 2,655 115 399 39,914 Net charge-offs to average loans (annualized) 0.04 % Allowance for credit losses to gross loans 1.10 % Allowance for credit losses to nonperforming loans 366.94 % For the years ended December 31, 2023 Commercial Consumer (dollars in thousands) Owner Non-owner Construction Business Real Home Construction Other Total Balance, beginning of period $ 5,867 10,376 1,292 7,861 9,487 2,551 893 312 38,639 Provision for credit losses 251 848 302 (755 ) 1,160 422 (216 ) 197 2,209 Loan charge-offs - (242 ) - (65 ) - (438 ) - (16 ) (761 ) Loan recoveries - 185 - 344 - 65 - 1 595 Net loan recoveries (charge-offs) - (57 ) - 279 - (373 ) - (15 ) (166 ) Balance, end of period $ 6,118 11,167 1,594 7,385 10,647 2,600 677 494 40,682 Net recoveries to average loans (annualized) 0.00 % Allowance for credit losses to gross loans 1.13 % Allowance for credit losses to nonperforming loans 1026.55 % For the years ended December 31, 2022 Commercial Consumer (dollars in thousands) Owner Non-owner Construction Business Real Home Construction Other Total Balance, beginning of period $ 4,700 10,518 625 4,887 7,083 1,697 578 320 30,408 Adjustment for CECL (313 ) 333 154 1,057 (294 ) 438 130 (5 ) 1,500 Provision for credit losses 1,480 (2,015 ) 513 1,764 2,698 663 185 87 5,375 Loan charge-offs - - - (55 ) - (339 ) - (91 ) (485 ) Loan recoveries - 1,540 - 208 - 92 - 1 1,841 Net loan recoveries (charge-offs) - 1,540 - 153 - (247 ) - (90 ) 1,356 Balance, end of period $ 5,867 10,376 1,292 7,861 9,487 2,551 893 312 38,639 Net recoveries to average loans (annualized) (0.05 %) Allowance for credit losses to gross loans 1.18 % Allowance for credit losses to nonperforming loans 1470.84 % Collateral dependent loans are loans for which the repayment is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. The Company reviews individually evaluated loans for designation as collateral dependent loans, as well as other loans that management of the Company designates as having higher risk. These loans do not share common risk characteristics and are not included within the collectively evaluated loans for determining the allowance for credit losses. Under CECL, for collateral dependent loans, the Company has adopted the practical expedient to measure the allowance for credit losses based on the fair value of collateral. The allowance for credit losses is calculated on an individual loan basis based on the shortfall between the fair value of the loan's collateral, which is adjusted for liquidation costs/discounts, and amortized cost. If the fair value of the collateral exceeds the amortized cost, no allowance is required. The following table presents an analysis of collateral-dependent loans of the Company as of December 31, 2024 and December 31, 2023. Schedule of analysis of collateral-dependent loans December 31, 2024 Real Business (dollars in thousands) estate assets Other Total Commercial Non-owner occupied RE $ 7,641 - - 7,641 Business 460 556 - 1,016 Total commercial 8,101 556 - 8,657 Consumer Real estate 1,908 - - 1,908 Home equity 312 - - 312 Total consumer 2,220 - - 2,220 Total collateral dependent loans $ 10,321 556 - 10,877 December 31, 2023 Real Business (dollars in thousands) estate assets Other Total Commercial Non-owner occupied RE $ 720 - - 720 Business 164 - - 164 Total commercial 884 - - 884 Consumer Real estate 166 - - 166 Home equity 343 - - 343 Total consumer 509 - - 509 Total collateral dependent loans $ 1,393 - - 1,393 Allowance for Credit Losses - Unfunded Loan Commitments The allowance for credit losses for unfunded loan commitments was $ 1.5 1.8 Schedule of allowance for credit losses for unfunded loan commitments For the years ended December 31, (dollars in thousands) 2024 2023 2022 Balance, beginning of period $ 1,831 2,780 - Adjustment for adoption of CECL - - 2,000 Provision for (reversal of) credit losses (375 ) (949 ) 780 Balance, end of period $ 1,456 1,831 2,780 Unfunded Loan Commitments 719,084 724,606 878,324 Reserve for Unfunded Commitments to Unfunded Loan Commitments 0.20 % 0.25 % 0.32 %

Property and Equipment

Property and Equipment	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Property and Equipment	NOTE 5 – Property and Equipment Property and equipment are stated at cost less accumulated depreciation. Components of property and equipment included in the consolidated balance sheets are as follows: Schedule of components of property and equipment December 31, (dollars in thousands) 2024 2023 Land $ 11,244 11,244 Buildings Buildings [Member] 54,932 54,630 Leasehold improvements Leasehold improvements [Member] 5,789 5,762 Furniture and equipment Furniture and equipment [Member] 22,304 21,863 Software 409 409 Construction in process Construction in process [Member] 56 130 Accumulated depreciation and amortization (26,547 ) (21,907 ) Property and equipment, excluding ROU assets 68,187 72,131 ROU assets 20,607 22,170 Total property and equipment $ 88,794 94,301 Construction in process at December 31, 2024 and 2023 consisted primarily of costs associated with information technology projects that will be completed in 2025. Depreciation and amortization expense for the years ended December 31, 2024 and 2023 was $ 4.7 Schedule of estimated useful lives of property and equipment Type of Asset Life in Years Software 3 Furniture and equipment 5 7 Leasehold improvements 5 15 Buildings 40

Leases

Leases	12 Months Ended
	Dec. 31, 2024
Leases
Leases	NOTE 6 – Leases The Company had operating right-of-use (“ROU”) assets, included in property and equipment, of $ 20.6 22.2 23.2 24.6 4.95 5.91 The discount rate used in determining the lease liability for each individual lease was the FHLB fixed advance rate which corresponded with the remaining lease term at implementation of the accounting standard and as of the lease commencement date for leases subsequently entered into. The weighted average discount rate for leases was 2.28% 2.94% Total operating lease costs were $ 2.4 Operating lease payments due as of December 31, 2024 were as follows: Schedule of operating lease payment due Operating (dollars in thousands) Leases 2025 $ 2,157 2026 2,210 2027 2,267 2028 2,015 2029 1,501 Thereafter 18,686 Total undiscounted lease payments 28,836 Discount effect of cash flows 5,610 Total lease liability $ 23,226

Deposits

Deposits	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Deposits	NOTE 7 – Deposits The following is a detail of the deposit accounts: Schedule of detail of deposit accounts December 31, (dollars in thousands) 2024 2023 Noninterest bearing $ 683,081 674,167 Interest bearing: NOW accounts 314,588 310,218 Money market accounts 1,438,530 1,605,278 Savings 31,976 31,669 Time deposits 967,590 758,232 Total deposits $ 3,435,765 3,379,564 At December 31, 2024 and 2023, time deposits greater than $250,000 were $ 774.0 568.1 Also, at December 31, 2024, the Company had $ 550.3 379.4 34.8 22.5 3.2 At December 31, 2024 the scheduled maturities of time deposits are as follows: Schedule of maturities of time deposits (dollars in thousands) 2025 $ 741,679 2026 113,327 2027 29,416 2028 81,005 2029 2,163 Total time deposits $ 967,590

Federal Home Loan Bank Advances

Federal Home Loan Bank Advances and Other Borrowings	12 Months Ended
	Dec. 31, 2024
Federal Home Loan Bank Advances And Other Borrowings
Federal Home Loan Bank Advances and Other Borrowings	NOTE 8 – Federal Home Loan Bank Advances and Other Borrowings At December 31, 2024, we had $ 240.0 3.74% 275.0 3.89% 275.0 35.0 240.0 240.0 1.29 14.5 275.0 1.25 16.1 Schedule of terms and maturities of advances outstanding December 31, (dollars in thousands) 2024 2023 Maturity Amount Rate Amount Rate February 29, 2024 $ - - $ 35,000 5.57 % April 28, 2028 40,000 3.51 % 40,000 3.51 % May 15, 2028 - - 35,000 3.13 % June 28, 2028 40,000 3.54 % 40,000 3.54 % July 10, 2028 - - 45,000 3.78 % July 10, 2028 40,000 3.87 % 40,000 3.87 % July 10, 2028 40,000 3.96 % 40,000 3.96 % May 15, 2029 35,000 3.90 % - - July 10, 2029 45,000 3.69 % - - Total FHLB advances outstanding $ 240,000 3.74 % $ 275,000 3.89 %

Subordinated Debentures

Subordinated Debentures	12 Months Ended
	Dec. 31, 2024
Subordinated Borrowings [Abstract]
Subordinated Debentures	NOTE 9 – Subordinated Debentures On June 26, 2003, Greenville First Statutory Trust I (a non-consolidated subsidiary) issued $ 6 June 26, 2033 7.77% 3.10% 6 186,000 6.2 On December 22, 2005, Greenville First Statutory Trust II (a non-consolidated subsidiary) issued $ 7 December 22, 2035 6.03% 1.44% 7 217,000 7.2 The current regulatory rules allow certain amounts of junior subordinated debentures to be included in the calculation of regulatory capital. However, provisions within the Dodd-Frank Act prohibit institutions that had more than $15 billion in assets on December 31, 2009 from including trust preferred securities as Tier 1 capital beginning in 2013, with one-third phased out over the two years ending in 2015. Financial institutions with less than $15 billion in total assets, such as the Bank, may continue to include their trust preferred securities issued prior to May 19, 2010 in Tier 1 capital, but cannot include in Tier 1 capital trust preferred securities issued after such date. On September 30, 2019, the Company entered into Subordinated Note Purchase Agreements (collectively, the “Purchase Agreement”) with certain qualified institutional buyers and accredited investors (the “Purchasers”) pursuant to which the Company sold and issued $ 23 4.75% The Notes have a 10 4.75% On September 30, 2019, in connection with the sale and issuance of the Notes, the Company entered into a Registration Rights Agreement (the “Registration Rights Agreement”) with the Purchasers. Under the terms of the Registration Rights Agreement, the Company has agreed to take certain actions to provide for the exchange of the Notes for subordinated notes that are registered under the Securities Act and have substantially the same terms as the Notes (the “Exchange Notes”). Under certain circumstances, if the Company fails to meet its obligations under the Registration Rights Agreement, it would be required to pay additional interest to the holders of the Notes. The Notes were issued under an Indenture, dated September 30, 2019 (the “Indenture”), by and between the Company and UMB Bank, National Association, as trustee. The Notes are not subject to any sinking fund and are not convertible into or, other than with respect to the Exchange Notes, exchangeable for any other securities or assets of the Company or any of its subsidiaries. The Notes are not subject to redemption at the option of the holder. The Notes are unsecured, subordinated obligations of the Company only and are not obligations of, and are not guaranteed by, any subsidiary of the Company. The Notes rank junior in right to payment to the Company’s current and future senior indebtedness. The Notes are intended to qualify as Tier 2 capital for regulatory capital purposes for the Company; however, the amount that is eligible to be included in Tier 2 capital will be reduced by 20% each year during the last five years before maturity date of the Notes beginning in the quarter ended December 31, 2024. On September 30, 2024, in conjunction with the semi-annual interest payment, the Company redeemed $ 11.5

Unused Lines of Credit

Unused Lines of Credit	12 Months Ended
	Dec. 31, 2024
Unused Lines Of Credit
Unused Lines of Credit	NOTE 10 – Unused Lines of Credit At December 31, 2024, the Company had six lines of credit to purchase federal funds that totaled $ 128.5 807.5 At December 31, 2024, we had $ 210.8 227.1 13 The Company also has an unsecured, interest only line of credit for $ 15 million with another financial institution which was unused at December 31, 2024. The line bears interest at the U.S. Prime Rate plus 0.25 % and was renewed to March 5, 2026 . The loan agreement contains various financial covenants related to capital, earnings and asset quality.

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	NOTE 11 – Derivative Financial Instruments The Company utilizes derivative financial instruments primarily to hedge its exposure to changes in interest rates. All derivative financial instruments are recognized as either assets or liabilities and measured at fair value. The Company enters into commitments to originate residential mortgage loans held for sale, at specified interest rates and within a specified period of time, with clients who have applied for a loan and meet certain credit and underwriting criteria (interest rate lock commitments). These interest rate lock commitments (“IRLCs”) meet the definition of a derivative financial instrument and are reflected in the balance sheet at fair value with changes in fair value recognized in current period earnings. Unrealized gains and losses on the IRLCs are recorded as derivative assets and derivative liabilities, respectively, and are measured based on the value of the underlying mortgage loan, quoted mortgage-backed securities (“MBS”) prices and an estimate of the probability that the mortgage loan will fund within the terms of the interest rate lock commitment, net of estimated commission expenses. The Company manages the interest rate and price risk associated with its outstanding IRLCs and mortgage loans held for sale by entering into derivative instruments such as forward sales of MBS. These derivatives are free- standing derivatives and are not designated as instruments for hedge accounting. Management expects these derivatives will experience changes in fair value opposite to changes in fair value of the IRLCs and mortgage loans held for sale, thereby reducing earnings volatility. The Company takes into account various factors and strategies in determining the portion of the mortgage pipeline (IRLCs and mortgage loans held for sale) it wants to economically hedge. The gain or loss resulting from the change in the fair value of the derivative is recognized in the Company’s statement of income during the period of change. The Company entered into a pay-fixed portfolio layer method (“PLM”) fair value swap, designated as a hedging instrument, with a total notional amount of $ 200.0 May 25, 2028 100.0 August 27, 2027 The following table represents the carrying value of the PLM hedged asset and liability and the cumulative fair value hedging adjustment included in the carrying value of the hedged instrument as of December 31, 2024 and December 31, 2023. Schedule of carrying value of hedged asset and liability and cumulative fair value hedging adjustment December 31, 2024 2023 (dollars in thousands) Carrying Hedged Asset Carrying Hedged Liability Fixed Rate Asset/Liability 1 $ 303,698 3,698 199,518 482 1 These amounts included the amortized cost basis of closed portfolios of fixed rate loans used to designate hedging relationships in which the hedged item is the stated amount of the assets in the closed portfolio anticipated to be outstanding for the designated hedged period. As of December 31, 2024, the amortized cost basis of the closed portfolio used in this hedging relationship was $ 665.7 3.7 300.0 The following table summarizes the Company’s outstanding financial derivative instruments at December 31, 2024 and December 31, 2023. Schedule of outstanding financial derivative instruments December 31, 2024 Fair Value (dollars in thousands) Notional Balance Sheet Asset/(Liability) Derivatives designated as hedging instruments: Fair value swap Fair value swap [Member] $ 300,000 Other assets $ 3,698 Derivatives not designated as hedging instruments: Mortgage loan interest rate lock commitments Mortgage loan interest rate lock commitments [Member] 15,841 Other assets 188 MBS forward sales commitments MBS forward sales commitments [Member] 10,500 Other assets 40 Total derivative financial instruments Total derivative financial instruments [Member] $ 326,341 $ 3,926 December 31, 2023 Fair Value (dollars in thousands) Notional Balance Sheet Asset/(Liability) Derivatives designated as hedging instruments: Fair value swap $ 200,000 Other liabilities $ (482 ) Derivatives not designated as hedging instruments: Mortgage loan interest rate lock commitments 12,973 Other assets 159 MBS forward sales commitments 10,000 Other liabilities (68 ) Total derivative financial instruments $ 222,973 $ (391 ) Accrued interest receivable related to the interest rate swap as of December 31, 2024 and 2023 totaled $ 259,000 285,000 The Company assesses the effectiveness of the fair value swap hedge with a regression analysis that compares the changes in forward curves to determine the value. The effective portion of changes in fair value of derivatives designated as fair value hedges is recorded through interest income. The Company does not offset derivative assets and derivative liabilities for financial statement presentation purposes. The following table summarizes the effect of the fair value hedging relationship recognized in the consolidated statements of income for the twelve months ended December 31, 2024 and December 31, 2023. Schedule of summarize the effect of fair value hedging relationship recognized in the consolidated statement of income For the years ended December 31, (dollars in thousands) 2024 2023 Gain (loss) on fair value hedging relationship: Hedged asset/(liability) $ 3,698 (482 ) Fair value derivative designated as hedging instrument (3,668 ) 511 Total gain recognized in interest income on loans $ 30 29

Fair Value Accounting

Fair Value Accounting	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Fair Value Accounting	NOTE 12 – Fair Value Accounting FASB ASC 820, “Fair Value Measurement and Disclosures Topic,” defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1 – Quoted market price in active markets Quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include certain debt and equity securities that are traded in an active exchange market. Level 2 – Significant other observable inputs Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include fixed income securities and mortgage-backed securities that are held in the Company’s available-for-sale portfolio and valued by a third-party pricing service, as well as certain individually evaluated loans. Level 3 – Significant unobservable inputs Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. These methodologies may result in a significant portion of the fair value being derived from unobservable data. Fair Value of Financial Instruments Financial instruments require disclosure of fair value information, whether or not recognized in the consolidated balance sheets, when it is practical to estimate the fair value. A financial instrument is defined as cash, evidence of an ownership interest in an entity or a contractual obligation which requires the exchange of cash. Certain items are specifically excluded from the disclosure requirements, including the Company’s common stock, premises and equipment and other assets and liabilities. The following is a description of valuation methodologies used to estimate fair value for assets recorded at fair value. Fair value approximates carrying value for the following financial instruments due to the short-term nature of the instrument: cash and due from banks, federal funds sold, other investments, federal funds purchased, and securities sold under agreement to repurchase. Investment Securities Securities available for sale are valued on a recurring basis at quoted market prices where available. If quoted market prices are not available, fair values are based on quoted market prices of comparable securities. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange or U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities and debentures issued by government sponsored entities, municipal bonds and corporate debt securities. In certain cases where there is limited activity or less transparency around inputs to valuations, securities are classified as Level 3 within the valuation hierarchy. Securities held to maturity are valued at quoted market prices or dealer quotes similar to securities available for sale. The carrying value of Other Investments, such as Federal Reserve Bank and FHLB stock, approximates fair value based on their redemption provisions. Mortgage Loans Held for Sale Loans held for sale include mortgage loans which are saleable into the secondary mortgage markets and their fair values are estimated using observable quoted market or contracted prices or market price equivalents, which would be used by other market participants. These saleable loans are considered Level 2. Individually Evaluated Loans The Company does not record loans at fair value on a recurring basis. However, from time to time, a loan may be considered individually evaluated and an allowance for credit losses may be established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered individually evaluated. Once a loan is identified as individually evaluated, management measures the impairment in accordance with FASB ASC 326. The fair value of individually evaluated loans is estimated using one of several methods, including collateral value, market value of similar debt, enterprise value, liquidation value and discounted cash flows. Those individually evaluated loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. In accordance with FASB ASC 820, “Fair Value Measurement and Disclosures,” individually evaluated loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value, the Company considers the individually evaluated loan as nonrecurring Level 2. The Company’s current loan and appraisal policies require the Company to obtain updated appraisals on an “as is” basis at renewal, or in the case of an individually evaluated loan, on an annual basis, either through a new external appraisal or an appraisal evaluation. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company considers the individually evaluated loan as nonrecurring Level 3. The fair value of individually evaluated loans may also be estimated using the present value of expected future cash flows to be realized on the loan, which is also considered a Level 3 valuation. These fair value estimates are subject to fluctuations in assumptions about the amount and timing of expected cash flows as well as the choice of discount rate used in the present value calculation. Other Real Estate Owned OREO, consisting of properties obtained through foreclosure or in satisfaction of loans, is reported at the lower of cost or fair value, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources, adjusted for estimated selling costs (Level 2). At the time of foreclosure, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the allowance for credit losses. Gains or losses on sale and generally any subsequent adjustments to the value are recorded as a component of real estate owned activity. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, the Company considers the OREO as nonrecurring Level 3. Derivative Financial Instruments The Company estimates the fair value of IRLCs based on the value of the underlying mortgage loan, quoted MBS prices and an estimate of the probability that the mortgage loan will fund within the terms of the IRLC, net of commission expenses (Level 2). The Company estimates the fair value of forward sales commitments based on quoted MBS prices (Level 2). The Company estimates the fair value of the derivative liability based on changes in the benchmark interest rate component of the hedged loans. The estimated variable rate cash inflows were compared to the fixed rate outflows and such difference was discounted to a present value to estimate the fair value of the interest rate swaps. The components of the valuation were observable or could be corroborated by observable market data and, therefore, were classified within Level 2 of the valuation hierarchy. Assets and Liabilities Recorded at Fair Value on a Recurring Basis The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis. Schedule of assets and liabilities measured at fair value on a recurring basis December 31, 2024 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Level 1 [Member] Securities available for sale: Level 2 [Member] Corporate bonds Level 3 [Member] $ - 1,927 - 1,927 US treasuries - 908 - 908 US government agencies - 15,795 - 15,795 State and political subdivisions - 19,322 - 19,322 Asset-backed securities - 36,538 - 36,538 Mortgage-backed securities - 57,637 - 57,637 Mortgage loans held for sale - 4,565 - 4,565 Mortgage loan interest rate lock commitments - 188 - 188 Derivative asset - 3,698 - 3,698 MBS forward sales commitments - 40 - 40 Total assets measured at fair value on a recurring basis $ - 140,618 - 140,618 The Company had no liabilities recorded at fair value on a recurring basis as of December 31, 2024. December 31, 2023 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale: Corporate bonds $ - 1,910 - 1,910 US treasuries - 9,394 - 9,394 US government agencies - 18,656 - 18,656 State and political subdivisions - 19,741 - 19,741 Asset-backed securities - 33,236 - 33,236 Mortgage-backed securities - 51,765 - 51,765 Mortgage loans held for sale - 7,194 - 7,194 Mortgage loan interest rate lock commitments - 159 - 159 Total assets measured at fair value on a recurring basis $ - 142,055 - 142,055 Liabilities Derivative liability $ - 482 - 482 MBS forward sales commitments - 68 - 68 Total liabilities measured at fair value on a recurring basis $ - 550 - 550 Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis The Company is predominantly an asset based lender with real estate serving as collateral on approximately 84% Schedule of assets and liabilities measured at fair value on a nonrecurring basis December 31, 2024 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Individually evaluated loans $ - 9,139 1,127 10,266 Total assets measured at fair value on a nonrecurring basis $ - 9,139 1,127 10,266 December 31, 2023 Level 1 Level 2 Level 3 Total Assets Individually evaluated loans $ - 1,160 2,976 4,136 Total assets measured at fair value on a nonrecurring basis $ - 1,160 2,976 4,136 The Company had no liabilities carried at fair value or measured at fair value on a nonrecurring basis. For Level 3 assets and liabilities measured at fair value on a recurring or nonrecurring basis as of December 31, 2024 and 2023, the significant unobservable inputs used in the fair value measurements were as follows: Schedule of unobservable inputs used in the fair value measurements Valuation Technique Significant Unobservable Inputs Range of Inputs Individually evaluated loans Appraised Value/ Discounted Cash Flows Discounts to appraisals or cash flows for estimated holding and/or selling costs or age of appraisal 0 25 Fair Value of Financial Instruments Financial instruments require disclosure of fair value information, whether or not recognized in the consolidated balance sheets, when it is practical to estimate the fair value. A financial instrument is defined as cash, evidence of an ownership interest in an entity or a contractual obligation which requires the exchange of cash. Certain items are specifically excluded from the disclosure requirements, including the Company’s common stock, premises and equipment and other assets and liabilities. The following is a description of valuation methodologies used to estimate fair value for certain other financial instruments. Fair value approximates carrying value for the following financial instruments due to the short-term nature of the instrument: cash and due from banks, federal funds sold, other investments, federal funds purchased, and securities sold under agreement to repurchase. Loans Deposits – FHLB Advances and Other Borrowings – Subordinated debentures The Company has used management’s best estimate of fair value based on the above assumptions. Thus, the fair values presented may not be the amounts that could be realized in an immediate sale or settlement of the instrument. In addition, any income taxes or other expenses, which would be incurred in an actual sale or settlement, are not taken into consideration in the fair value presented. The estimated fair values of the Company’s financial instruments at December 31, 2024 and 2023 are as follows: Schedule of estimated fair values of the company's financial instruments December 31, 2024 (dollars in thousands) Carrying Fair Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 19,490 19,490 - - 19,490 Loans (1) 3,579,640 3,319,602 - - 3,319,602 Financial Liabilities: Deposits 3,435,765 3,158,893 - 3,158,893 - Subordinated debentures 24,903 27,539 - 27,539 - December 31, 2023 (dollars in thousands) Carrying Fair Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 19,939 19,939 - - 19,939 Loans (1) 3,557,120 3,337,768 - - 3,337,768 Financial Liabilities: Deposits 3,379,564 2,961,182 - 2,961,182 - Subordinated debentures 36,322 40,712 - 40,712 - (1) Carrying amount is net of the allowance for credit losses and individually evaluated loans.

Earnings Per Common Share

Earnings Per Common Share	12 Months Ended
	Dec. 31, 2024
Earnings per common share
Earnings Per Common Share	NOTE 13 – Earnings Per Common Share The following schedule reconciles the numerators and denominators of the basic and diluted earnings per share computations for the years ended December 31, 2024, 2023, and 2022. Dilutive common shares arise from the potentially dilutive effect of the Company’s outstanding stock options and unvested restricted stock. The assumed conversion of stock options and warrants can create a difference between basic and dilutive net income per common share. At December 31, 2024, 2023, and 2022, options totaling 153,755 269,072 131,433 Schedule of earnings per share For the years ended December 31, (dollars in thousands, except share data) 2024 2023 2022 Numerator: Net income $ 15,530 13,426 29,115 Net income available to common shareholders $ 15,530 13,426 29,115 Denominator: Weighted-average common shares outstanding - basic 8,080,623 8,046,633 7,958,294 Common stock equivalents 36,434 31,821 113,396 Weighted-average common shares outstanding - diluted 8,117,057 8,078,454 8,071,690 Earnings per common share: Basic $ 1.92 1.67 3.66 Diluted $ 1.91 1.66 3.61

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	NOTE 14 – Commitments and Contingencies The Company has an agreement with a data processor which expires in 2028 to provide certain item processing, electronic banking, and general ledger processing services. Components of this contract vary based on transaction and account volume, monthly charges and certain termination fees. The Company has commitments with various investment partners under the Small Business Investment Company (“SBIC”) and the Rural Business Investment Company (“RBIC”) programs for which we have committed to make capital contributions from time to time. These commitments totaled approximately $ 1.2 The Company may be subject to litigation and claims in the normal course of business. As of December 31, 2024, management believes there is no material litigation pending.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Income Taxes	NOTE 15 – Income Taxes The components of income tax expense were as follows: Schedule of components of income tax expense For the years ended December 31, (dollars in thousands) 2024 2023 2022 Current income taxes: Federal $ 4,992 3,769 8,482 State 623 460 1,273 Total current tax expense 5,615 4,229 9,755 Deferred income benefit (1,233 ) (228 ) (757 ) Income tax expense $ 4,382 4,001 8,998 The following is a summary of the items that caused recorded income taxes to differ from taxes computed using the statutory tax rate: Schedule of taxes computed using the statutory tax rate For the years ended December 31, (dollars in thousands) 2024 2023 2022 Tax expense at statutory rate $ 4,182 3,660 8,004 Effect of state income taxes, net of federal benefit 195 364 1,006 Exempt income 13 7 (27 ) Effect of stock-based compensation 128 133 42 Other (136 ) (163 ) (27 ) Income tax expense $ 4,382 4,001 8,998 The components of the deferred tax assets and liabilities are as follows: Schedule of components of the deferred tax assets and liabilities December 31, (dollars in thousands) 2024 2023 Deferred tax assets: Allowance for credit losses $ 8,636 8,543 Reserve for unfunded commitments 315 384 Unrealized loss on securities available for sale 3,050 3,015 Net deferred loan fees 1,343 1,475 Deferred compensation 1,557 1,458 Accrued bonuses 687 - Lease liabilities 4,999 5,175 Other 608 479 Total deferred tax assets 21,195 20,529 Deferred tax liabilities: Property and equipment 2,892 3,334 Hedging transactions 79 74 Prepaid expenses 302 255 ROU assets 4,435 4,656 Other 20 10 Total deferred tax assets 7,728 8,329 Net deferred tax asset $ 13,467 12,200 The Company has analyzed the tax positions taken or expected to be taken in its tax returns and concluded it has no liability related to uncertain tax positions.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Related Party Transactions	NOTE 16 – Related Party Transactions Certain directors, executive officers, and companies with which they are affiliated, are clients of and have banking transactions with the Company in the ordinary course of business. These loans were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with persons not related to the lender. A summary of loan transactions with directors and executive officers, including their affiliates is as follows: Schedule of loan transactions with directors and executive officers, including their affiliates For the years ended December 31, (dollars in thousands) 2024 2023 Balance, beginning of year $ 25,252 17,217 New loans 7,000 17,455 Less loan payments (7,107 ) (9,420 ) Balance, end of year $ 25,145 25,252 Deposits by executive officers and directors and their related interests at December 31, 2024 and 2023, were $ 7.0 6.4 The Company has a land lease with a director on the property for a branch office, with monthly payments of $ 9,026 The Company received rent payments from a company of which a director is a private investor and chairman of the board. Rent received totaled $ 91,000 88,000 The Company is of the opinion that the lease payments and consulting fees represent market costs that could have been obtained in similar “arms length” transactions.

Financial Instruments With Off-

Financial Instruments With Off-Balance Sheet Risk	12 Months Ended
	Dec. 31, 2024
Investments, All Other Investments [Abstract]
Financial Instruments With Off-Balance Sheet Risk	NOTE 17 – Financial Instruments With Off-Balance Sheet Risk In the ordinary course of business, and to meet the financing needs of its clients, the Company is a party to various financial instruments with off-balance sheet risk. These financial instruments, which include commitments to extend credit and standby letters of credit, involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the balance sheets. The contract amount of those instruments reflects the extent of involvement the Company has in particular classes of financial instruments. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amounts of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Commitments to extend credit are agreements to lend to a client as long as there is no violation of any material condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require the payment of a fee. At December 31, 2024, unfunded commitments to extend credit were approximately $ 719.1 57.5 661.6 724.6 145.6 579 equipment, and commercial and residential real estate. See Note 4 – Loans and Allowance for Credit Losses for additional information on unfunded commitments. At December 31, 2024 and 2023, there was a $ 16.2 16.1

Employee Benefit Plan

Employee Benefit Plan	12 Months Ended
	Dec. 31, 2024
Retirement Benefits [Abstract]
Employee Benefit Plan	NOTE 18 – Employee Benefit Plan On January 1, 2000, the Company adopted the Southern First Bancshares, Inc. Profit Sharing and 401(k) Plan for the benefit of all eligible employees. The Company contributes to the Plan annually upon approval by the Board of Directors. Contributions made to the Plan for the years ended December 31, 2024, 2023, and 2022 amounted to $ 1.1 1.1 995,000 The Company also provides a nonqualified deferred compensation plan for 20 7.2 6.9 417,000 1.1 284,000

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Stock-Based Compensation	NOTE 19 – Stock-Based Compensation The Company utilizes certain stock incentive plans as long-term retention programs intended to attract, retain, and provide incentives for key employees and non-employee directors in the form of incentive and non-qualified stock options, restricted stock, and restricted stock units. Shares are granted under plans approved by the Company’s shareholders. As of December 31, 2024, there were 258,622 Compensation cost is recognized for stock options and restricted stock awards issued to employees and non-employee directors and is measured as the fair value of these awards on their date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used as the fair value of restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option and restricted stock awards. Stock-based compensation expense was recorded as follows: Schedule of stock-based compensation expense For the years ended December 31, (dollars in thousands) 2024 2023 2022 Stock option expense $ 374 528 927 Restricted stock grant expense 1,909 1,415 1,099 Total stock-based compensation expense $ 2,283 1,943 2,026 Stock Options All stock options have an exercise price that is equal to the closing fair market value of the Company’s stock on the date the options were granted. Options granted under the plans generally vest over a four-year period and expire 10 At December 31, 2024, there was $ 32,000 0.3 576,000 846,000 1.1 A summary of the status of the stock option plan and changes for the period is presented below: Schedule of the status of the stock option plan and changes For the years ended December 31, 2024 2023 2022 Shares Weighted Weighted Shares Weighted Weighted Shares Weighted Weighted Outstanding at beginning of year 331,349 $ 35.51 427,224 $ 34.32 464,724 $ 33.97 Granted - - - - - - Exercised (15,250 ) 17.17 (27,250 ) 20.18 (32,375 ) 27.94 Forfeited or expired (3,500 ) 41.55 (68,625 ) 34.15 (5,125 ) 43.14 Outstanding at end of year 312,599 $ 36.34 4.1 331,349 $ 35.51 4.9 427,224 $ 34.32 5.7 Options exercisable at year-end 288,849 $ 36.00 4.0 267,376 $ 34.48 4.5 287,902 $ 32.35 4.8 Weighted average fair value of options granted during the year $ - $ - $ - Shares available for grant 258,622 319,058 370,824 The aggregate intrinsic value (the difference between the Company’s closing stock price on the last trading day of the year and the exercise price, multiplied by the number of in-the-money options) of 312,599 331,349 1.4 1.3 288,849 267,376 1.4 1.3 Stock Compensation Plan [Member] Restricted Stock Grants Shares of restricted stock granted to employees under the stock plans are subject to restrictions as to continuous employment for a specified time period following the date of grant. During this period, the holder is entitled to full voting rights and dividends. At December 31, 2024, there was $ 3.9 2.5 A summary of the status of the Company’s nonvested restricted stock and changes for the years ended December 31, 2024, 2023, and 2022 is as follows: Schedule of the status of the company's nonvested restricted stock and changes December 31, 2024 2023 2022 Restricted Weighted Restricted Weighted Restricted Weighted Nonvested at beginning of year 109,533 $ 44.40 80,337 $ 52.53 41,699 $ 44.71 Granted 65,373 36.47 69,880 37.12 53,376 56.25 Vested (30,118 ) 44.72 (21,695 ) 48.95 (14,213 ) 43.26 Forfeited (4,937 ) 37.95 (18,989 ) 46.83 (525 ) 61.14 Nonvested at end of year 139,851 $ 40.85 109,533 $ 44.40 80,337 $ 52.53 Restricted Stock Units On January 21, 2025, the Company’s Board of Directors amended the 2020 Southern First Bancshares, Inc. Equity Incentive Plan, to, among other things, allow for restricted stock units to be granted. As of December 31, 2024 and December 31, 2023, restricted stock units were unavailable under such plan.

Dividends

Dividends	12 Months Ended
	Dec. 31, 2024
Dividends
Dividends	NOTE 20 – Dividends The ability of the Company to pay cash dividends is dependent upon receiving cash in the form of dividends from the Bank. The dividends that may be paid by the Bank to the Company are subject to legal limitations and regulatory capital requirements. Also, the payment of cash dividends on the Company's common stock by the Company in the future will be subject to certain other legal and regulatory limitations (including the requirement that the Company’s capital be maintained at certain minimum levels) and will be subject to ongoing review by banking regulators. The Federal Reserve has issued a policy statement regarding the payment of dividends by bank holding companies. In general, the Federal Reserve’s policies provide that dividends should be paid only out of current earnings and only if the prospective rate of earnings retention by the bank holding company appears consistent with the organization’s capital needs, asset quality and overall financial condition.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Regulatory Matters	NOTE 21 – Regulatory Matters The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. The capital rules require banks and bank holding companies to maintain a minimum total risked-based capital ratio of at least 8%, a total Tier 1 capital ratio of at least 6%, a minimum common equity Tier 1 capital ratio of at least 4.5%, and a leverage ratio of at least 4%. Bank holding companies and banks are also required to hold a capital conservation buffer of common equity Tier 1 capital of 2.5% to avoid limitations on capital distributions and discretionary executive compensation payments. The capital conservation buffer was phased in incrementally over time, becoming fully effective on January 1, 2019, and consists of an additional amount of common equity equal to 2.5% of risk-weighted assets. To be considered “well-capitalized” for purposes of certain rules and prompt corrective action requirements, the Bank must maintain a minimum total risked-based capital ratio of at least 10%, a total Tier 1 capital ratio of at least 8%, a common equity Tier 1 capital ratio of at least 6.5%, and a leverage ratio of at least 5%. As of December 31, 2024, our capital ratios exceed these ratios and we remain “well capitalized.” The following table summarizes the capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements at December 31, 2024 and 2023. Schedule of capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements Actual For capital To be well provisions minimum (dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2024 The Bank Total Capital (to risk weighted assets) $ 402,629 12.66 % $ 254,412 8.00 % $ 318,015 10.00 % Tier 1 Capital (to risk weighted assets) 362,875 11.41 % 190,809 6.00 % 254,412 8.00 % Common Equity Tier 1 Capital (to risk weighted assets) 362,875 11.41 % 143,107 4.50 % 206,709 6.50 % Tier 1 Capital (to average assets) 362,875 8.75 % 165,941 4.00 % 207,426 5.00 % The Company Total Capital (to risk weighted assets) 403,867 12.70 % 254,392 8.00 % n/a n/a Tier 1 Capital (to risk weighted assets) 354,916 11.16 % 190,794 6.00 % n/a n/a Common Equity Tier 1 Capital (to risk weighted assets) 341,916 10.75 % 143,096 4.50 % n/a n/a Tier 1 Capital (to average assets) 354,916 8.55 % 165,963 4.00 % n/a n/a Actual For capital To be well provisions minimum (dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2023 The Bank Total Capital (to risk weighted assets) $ 390,197 12.28 % $ 254,278 8.00 % $ 317,847 10.00 % Tier 1 Capital (to risk weighted assets) 350,455 11.03 % 190,708 6.00 % 254,278 8.00 % Common Equity Tier 1 Capital (to risk weighted assets) 350,455 11.03 % 143,031 4.50 % 206,601 6.50 % Tier 1 Capital (to average assets) 350,455 8.47 % 165,414 4.00 % 206,767 5.00 % The Company Total Capital (to risk weighted assets) 399,551 12.57 % 254,278 8.00 % n/a n/a Tier 1 Capital (to risk weighted assets) 336,809 10.60 % 190,708 6.00 % n/a n/a Common Equity Tier 1 Capital (to risk weighted assets) 323,809 10.19 % 143,031 4.50 % n/a n/a Tier 1 Capital (to average assets) 336,809 8.14 % 165,436 4.00 % n/a n/a

Parent Company Financial Inform

Parent Company Financial Information	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Parent Company Financial Information	NOTE 22 – Parent Company Financial Information Following is condensed financial information of Southern First Bancshares, Inc. (parent company only): Condensed Balance Sheets Schedule of condensed balance sheets December 31, (dollars in thousands) 2024 2023 Assets Cash and cash equivalents $ 3,641 9,408 Investment in subsidiaries 351,806 339,516 Other assets 149 146 Total assets $ 355,596 349,070 Liabilities and Shareholders’ Equity Accrued expenses $ 249 281 Subordinated debentures 24,903 36,322 Shareholders’ equity 330,444 312,467 Total liabilities and shareholders’ equity $ 355,596 $ 349,070 Condensed Statements of Income Schedule of condensed statements of income For the years ended December 31, (dollars in thousands) 2024 2023 2022 Revenues Interest income $ 12 15 20 Total revenue 12 15 20 Expenses Interest expense 2,149 2,197 1,730 Other expenses 255 249 240 Total expenses 2,404 2,446 1,970 Income tax benefit 502 511 409 Loss before equity in undistributed net income of subsidiaries (1,890 ) (1,920 ) (1,541 ) Equity in undistributed net income of subsidiaries 17,420 15,346 30,656 Net income $ 15,530 13,426 29,115 Condensed Statements of Cash Flows Schedule of condensed statements of cash flows For the years ended December 31, (dollars in thousands) 2024 2023 2022 Operating activities Net income $ 15,530 13,426 29,115 Adjustments to reconcile net income to cash provided by operating activities Equity in undistributed net income of subsidiaries (17,420 ) (15,346 ) (30,656 ) Compensation expense related to stock options and restricted stock grants 2,283 1,943 2,026 Increase in other assets (3 ) (125 ) - Increase in accrued expenses 49 110 113 Net cash provided by operating activities 439 8 598 Investing activities Investment in subsidiaries, net 5,000 (5,000 ) - Net cash provided by (used for) investing activities 5,000 (5,000 ) - Financing activities Proceeds from the exercise of stock options and warrants 294 518 905 Decrease in subordinated debentures (11,500 ) - - Net cash (used) provided by financing activities (11,206 ) 518 905 Net (decrease) increase in cash and cash equivalents (5,767 ) (4,474 ) 1,503 Cash and cash equivalents, beginning of year 9,408 13,882 12,379 Cash and cash equivalents, end of year $ 3,641 9,408 13,882

Summary of Significant Accoun_2

Summary of Significant Accounting Policies and Activities (Policies)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The accompanying consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, Southern First Bank. In consolidation, all significant intercompany transactions have been eliminated. The accounting and reporting policies conform to accounting principles generally accepted in the United States of America. In accordance with guidance issued by the Financial Accounting Standards Board (“FASB”), the operations of the Trusts have not been consolidated in these financial statements.
Use of Estimates	Use of Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amount of income and expenses during the reporting periods. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for credit losses, derivatives, real estate acquired in settlement of loans, fair value of financial instruments, evaluating investment securities for credit impairment and valuation of deferred tax assets.
Risks and Uncertainties	Risks and Uncertainties In the normal course of its business, the Company encounters two significant types of risks: economic and regulatory. There are three main components of economic risk: interest rate risk, credit risk and market risk. The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice at different speeds, or on different bases, than its interest-earning assets. Credit risk is the risk of default within the Company’s loan portfolio that results from borrowers’ inability or unwillingness to make contractually required payments. Market risk reflects changes in the value of collateral underlying loans receivable and the valuation of real estate held by the Company. There were several notable bank failures in 2023, driven primarily by liquidity challenges as depositors rapidly withdrew funds. These failures were exacerbated by the impact of rising interest rates, which left affected banks unable to sell long-term investment securities without incurring significant losses. In response, regulators took steps to stabilize the banking system, including ensuring that losses to the Deposit Insurance Fund used to support uninsured depositors would be recovered through a special assessment on banks, as mandated by law. This has increased and may continue to increase the cost of our FDIC insurance assessments. While the immediate banking turmoil has largely subsided, ongoing economic uncertainties—including the Federal Reserve's evolving monetary policy, persistent inflationary pressures, and concerns about commercial real estate exposure—continue to shape the financial landscape. The long-term impact of these developments on the economy, financial institutions, and regulatory frameworks remains uncertain. The Company is subject to the regulations of various governmental agencies. These regulations can and do change significantly from period to period. The Company also undergoes periodic examinations by the regulatory agencies, which may subject it to changes with respect to valuation of assets, amount of required credit loss allowance and operating restrictions resulting from the regulators’ judgments based on information available to them at the time of their examinations. The Bank makes loans to individuals and businesses in the Upstate, Midlands, and Lowcountry regions of South Carolina as well as the Triangle, Triad and Charlotte regions of North Carolina and Atlanta, Georgia for various personal and commercial purposes. The Bank’s loan portfolio has a concentration of real estate loans. As of December 31, 2024 and 2023, real estate loans represented 83.5% 84.8% As of December 31, 2024, the Company’s and the Bank’s capital ratios were in excess of all regulatory requirements. While management believes that we have sufficient capital to withstand an extended economic recession, our reported and regulatory capital ratios could be adversely impacted by future credit losses. The Company maintains access to multiple sources of liquidity, including a $ 15 15
Subsequent Events	Subsequent Events Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date. Management performed an evaluation to determine whether there have been any subsequent events since the balance sheet date and determined that no subsequent events occurred requiring accrual or disclosure.
Reclassifications	Reclassifications Certain amounts, previously reported, have been reclassified to state all periods on a comparable basis and had no effect on shareholders’ equity or net income.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents include cash and due from banks, interest bearing deposits and federal funds sold. Cash and cash equivalents have original maturities of three months or less, and federal funds sold are generally purchased and sold for one-day periods. Accordingly, the carrying value of these instruments is deemed to be a reasonable estimate of fair value. At December 31, 2024 and 2023, included in cash and cash equivalents was $ 5.4 5.1
Investment Securities	Investment Securities We classify our investment securities as held to maturity securities, trading securities and available for sale securities as applicable. Investment securities are designated as held to maturity if we have the intent and the ability to hold the securities to maturity. Held to maturity securities are carried at amortized cost, adjusted for the amortization of any related premiums or the accretion of any related discounts into interest income using a methodology which approximates a level yield of interest over the estimated remaining period until maturity. Investment securities that are purchased and held principally for the purpose of selling in the near term are reported as trading securities. Trading securities are carried at fair value with unrealized holding gains and losses included in earnings. We classify investment securities as available for sale when at the time of purchase we determine that such securities may be sold at a future date or if we do not have the intent or ability to hold such securities to maturity. Securities designated as available for sale are recorded at fair value. Changes in the fair value of available for sale debt securities are included in shareholders’ equity as unrealized gains or losses, net of the related tax effect. Realized gains or losses on available for sale securities are computed on the specific identification basis.
Allowance for Credit Losses – Investment Securities	Allowance for Credit Losses – Investment Securities For available for sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or if it is more likely than not that it will be required to sell the security before recovery of the amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income with the establishment of an allowance under the Current Expected Credit Loss Model (“CECL”). For debt securities available for sale that do not meet the aforementioned criteria, the Company evaluates whether any decline in fair value is due to credit loss factors. In making this assessment, management considers any changes to the rating of the security by a rating agency and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of the cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses under CECL are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an available for sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. At December 31, 2024 and 2023, there was no allowance for credit losses related to the available-for-sale portfolio. In addition, the Company had no held to maturity securities at December 31, 2024 and 2023. Accrued interest receivable on available for sale debt securities totaled $ 576,000 530,000
Other Investments	Other Investments Other investments include stock acquired for membership and regulatory purposes, such as Federal Home Loan Bank of Atlanta (“FHLB”) stock, investments in unconsolidated subsidiaries and other nonmarketable securities. FHLB stock is generally pledged against any borrowings from the FHLB and cash dividends on our FHLB stock are recorded in investment income. Other nonmarketable securities consist of investments in funds related to the Small Business Investment Company (“SBIC”) and Rural Business Investment Company (“RBIC”) programs, as well as an investment in a South Carolina not-for-profit corporation. No ready market exists for these stocks and they have no quoted market value. As a result, these securities are carried at cost and are periodically evaluated for impairment.
Loans	Loans Loans are stated at the principal balance outstanding. Unamortized net loan fees and the allowance for possible credit losses are deducted from total loans on the balance sheets. Interest income is recognized over the term of the loan based on the principal amount outstanding. The net of loan origination fees received and direct costs incurred in the origination of loans is deferred and amortized to interest income over the contractual life of the loans adjusted for actual principal prepayments using a method approximating the interest method.
Allowance for Credit Losses - Loans	Allowance for Credit Losses - Loans Under CECL, the allowance for credit losses on loans is a valuation allowance estimated at each balance sheet date in accordance with GAAP that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Management assesses the adequacy of the allowance on a quarterly basis. This assessment includes procedures to estimate the allowance and test the adequacy and appropriateness of the resulting balance. The level of the allowance is based upon management's evaluation of historical default and loss experience, current and projected economic conditions, asset quality trends, known and inherent risks in the portfolio, adverse situations that may affect the borrowers' ability to repay a loan, the estimated value of any underlying collateral, composition of the loan portfolio, industry and peer bank loan quality indications and other pertinent factors, including regulatory recommendations. Management believes the level of the allowance for credit losses is adequate to absorb all expected future losses inherent in the loan portfolio at the balance sheet date. The allowance is increased through provision for credit losses and decreased by charge-offs, net of recoveries of amounts previously charged-off. The allowance for credit losses is measured on a collective basis for pools of loans with similar risk characteristics. The Company has identified the following pools of financial assets with similar risk characteristics for measuring expected credit losses: Commercial loans ● Owner occupied real estate - Owner occupied commercial mortgages consist of loans to purchase or re-finance owner occupied nonresidential properties. This includes office buildings, other commercial facilities, and farmland. Commercial mortgages secured by owner occupied properties are primarily dependent on the ability of borrowers to achieve business results consistent with those projected at loan origination. While these loans and leases are collateralized by real property in an effort to mitigate risk, it is possible the liquidation of collateral will not fully satisfy the obligation. ● Non-owner occupied real estate - Non-owner occupied commercial mortgages consist of loans to purchase or refinance investment nonresidential properties. This includes office buildings and other facilities rented or leased to unrelated parties, as well as farmland and multifamily properties. The primary risk associated with income producing commercial mortgage loans is the ability of the income-producing property that collateralizes the loan to produce adequate cash flow to service the debt. While these loans are collateralized by real property in an effort to mitigate risk, it is possible the liquidation of collateral will not fully satisfy the obligation. ● Construction - Construction loans consist of loans to finance land for development of commercial or residential real property and construction of multifamily apartments or other commercial properties. These loans are highly dependent on the supply and demand for commercial real estate as well as the demand for newly constructed residential homes and lots acquired for development. Deterioration in demand could result in decreased collateral values, which could make repayments of outstanding loans difficult for customers. ● Commercial business - Commercial business loans consist of loans or lines of credit to finance accounts receivable, inventory or other general business needs, business credit cards, and lease financing agreements for equipment, vehicles, or other assets. The primary risk associated with commercial and industrial and lease financing loans is the ability of borrowers to achieve business results consistent with those projected at origination. Failure to achieve these projections presents risk the borrower will be unable to service the debt consistent with the contractual terms of the loan. Consumer loans ● Real estate - Residential mortgages consist of loans to purchase or refinance the borrower’s primary dwelling, second residence or vacation home and are often secured by 1-4 family residential property. Significant and rapid declines in real estate values can result in borrowers having debt levels in excess of the current market value of the collateral. ● Home equity - Home equity loans consist of home equity lines of credit and other lines of credit secured by first or second liens on the borrower’s primary residence. These loans are secured by both senior and junior liens on the residential real estate and are particularly susceptible to declining collateral values. This risk is elevated for loans secured by junior lines as a substantial decline in value could render the junior lien position effectively unsecured. ● Construction - Construction loans consist of loans to construct a borrower’s primary or secondary residence or vacant land upon which the owner intends to construct a dwelling at a future date. These loans are typically secured by undeveloped or partially developed land in anticipation of completing construction of a 1-4 family residential property. There is risk these construction and development projects can experience delays and cost overruns exceeding the borrower’s financial ability to complete the project. Such cost overruns can result in foreclosure of partially completed and unmarketable collateral. ● Other - Consumer loans consist of loans to finance unsecured home improvements, student loans, automobiles and revolving lines of credit that can be secured or unsecured. The value of the underlying collateral within this class is at risk of potential rapid depreciation which could result in unpaid balances in excess of the collateral. For all loan pools, the Company uses a lifetime probability of default and loss given default modeling approach to estimate the allowance for credit losses on loans. This method uses historical correlations between default experience and the age of loans to forecast defaults and losses, assuming that a loan in a pool shares similar risk characteristics such as loan product type, risk rating and loan age, and demonstrates similar default characteristics as other loans in that pool, as the loan progresses through its lifecycle. The Company calculates lifetime probability of default and loss given default rates based on historical loss experience, which is used to calculate expected losses based on the pool’s loss rate and the age of loans in the pool. Management believes that the Company’s historical loss experience provides the best basis for its assessment of expected credit losses to determine the allowance for credit losses. The Company uses its own internal data to measure historical credit loss experience within the pools with similar risk characteristics over an economic cycle. The probability of default and loss given default method also includes assumptions of observed migration over the lifetime of the underlying loan data. Management also considers further adjustments to historical loss information for current conditions and reasonable and supportable forecasts that differ from the conditions that exist for the period over which historical information is evaluated as well as other changes in qualitative factors not inherently considered in the quantitative analyses. The Company generally utilizes a four-quarter forecast period in evaluating the appropriateness of the reasonable and supportable forecast scenarios which are incorporated through qualitative adjustments. There is immediate reversion to historical loss rates. The qualitative categories and the measurements used to quantify the risks within each of these categories are subjectively selected by management but measured by objective measurements period over period. The data for each measurement may be obtained from internal or external sources. The current period measurements are evaluated and assigned a factor commensurate with the current level of risk relative to past measurements over time. The resulting qualitative adjustments are applied to the relevant collectively evaluated loan pools. These adjustments are based upon quarterly trend assessments in certain economic factors such as labor, inflation, consumer sentiment and real disposable income, as well as associate retention and turnover, portfolio concentrations, and growth characteristics. The qualitative analysis increases or decreases the allowance allocation for each loan pool based on the assessment of factors described above. Management continues to update and expand the qualitative framework to further address factors not captured in the quantitative process. Loans that do not share similar risk characteristics with the collectively evaluated pools are evaluated on an individual basis and are excluded from the collectively evaluated loan pools. Individual loan evaluations are generally performed for nonaccrual loans and other loans as considered necessary. Such loans are evaluated for credit losses based on either discounted cash flows or the fair value of collateral. The Company has elected the practical expedient under ASC 326 to estimate expected credit losses based on the fair value of collateral, which considers selling costs in the event sale of the collateral is expected. Loans for which terms have been modified are evaluated using these same individual evaluation methods. In the event the discounted cash flow method is used for a loan modification, the original interest rate is used to discount expected cash flows. While the Company’s policies and procedures used to estimate the allowance for credit losses, as well as the resulting provision for credit losses charged to income, are considered adequate by management and are reviewed periodically by regulators, model validators and internal audit, they are necessarily approximate and imprecise. There are factors beyond the Company’s control, such as changes in projected economic conditions, real estate markets or particular industry conditions which may materially impact asset quality and the adequacy of the allowance for credit losses and thus the resulting provision for credit losses.
Accrued Interest Receivable	Accrued Interest Receivable Accrued interest receivable related to loans totaled $ 11 11.6
Unfunded Commitments	Unfunded Commitments Effective with the adoption of CECL, the Company estimates expected credit losses on commitments to extend credit over the contractual period in which the Company is exposed to credit risk on the underlying commitments, unless the obligation is unconditionally cancelable by the Company. The allowance for off-balance sheet credit exposures, which is reflected within other liabilities on the consolidated balance sheets, is adjusted for as an increase or decrease to the provision for credit losses. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The allowance is calculated using the same aggregate reserve rates calculated for the funded portion of loans at the portfolio level applied to the amount of commitments expected to fund. The Company's CECL allowances will fluctuate over time due to macroeconomic conditions and forecasts as well as the size and composition of the loan portfolios.
Nonaccrual and Past Due Loans	Nonaccrual and Past Due Loans Loans are generally placed on nonaccrual status when principal or interest becomes 90 days past due, or when payment in full is not anticipated. When a loan is placed on nonaccrual status, interest accrued but not received is generally reversed against interest income. Cash receipts on nonaccrual loans are not recorded as interest income, but are used to reduce the loan’s principal balance. A nonaccrual loan is generally returned to accrual status and accrual of interest is resumed when payments have been made according to the terms and conditions of the loan for a continuous six month period. Our loans are considered past due when contractually required principal or interest payments have not been made on the due dates.
Nonperforming Assets	Nonperforming Assets Nonperforming assets include real estate acquired through foreclosure or deed taken in lieu of foreclosure, loans on nonaccrual status and loans past due 90 days or more and still accruing interest. Loans are placed on nonaccrual status when, in the opinion of management, the collection of additional interest is uncertain. Thereafter no interest is taken into income until such time as the borrower demonstrates the ability to pay both principal and interest.
Individually Evaluated Loans	Individually Evaluated Loans Our individually evaluated loans include loans on nonaccrual status and other loans as needed. For loans that are classified as individually evaluated, an allowance is established when the fair value (discounted cash flows, collateral value, or observable market price) of the individually evaluated loan less costs to sell, are lower than the carrying value of that loan. A loan is considered individually evaluated when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due, among other factors. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as individually evaluated. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including, without limitation, the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The allowance for credit loss is measured on a loan by loan basis for commercial and consumer loans by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair value of the collateral if the loan is collateral dependent.
Loan Charge-off Policy	Loan Charge-off Policy For commercial loans, we generally fully charge off or charge collateralized loans down to net realizable value when management determines the loan to be uncollectible; repayment is deemed to be projected beyond reasonable time frames; the loan has been classified as a loss by either our internal loan review process or our banking regulatory agencies; the client has filed bankruptcy and the loss becomes evident owing to a lack of assets; or the loan is 120 days past due unless both well-secured and in the process of collection. For consumer loans, we generally charge down to net realizable value when the loan is 180 days past due.
Loan Modifications to Borrowers Experiencing Financial Difficulty	Loan Modifications to Borrowers Experiencing Financial Difficulty Loans that are modified are reviewed by the Company to identify if the modification was due to a borrower experiencing financial difficulty. Terms may be modified to fit the ability of the borrower to repay in line with its current financial status. The modification of the terms of such loans includes one or a combination of the following: a reduction of the stated interest rate of the loan, an extension of the maturity date, a permanent reduction of the recorded investment of the loan, or an other-than-insignificant payment delay. The adoption of Accounting Standards Update (“ASU”) 2022-02 on January 1, 2023 eliminated the recognition and measurement of troubled debt restructurings (“TDRs”) and enhanced disclosures for modifications to loans related to borrowers experiencing financial difficulties.
Other Real Estate Owned (“OREO”)	Other Real Estate Owned (“OREO”) Real estate acquired through foreclosure is initially recorded at the lower of cost or estimated fair value less selling costs. Subsequent to the date of acquisition, it is carried at the lower of cost or fair value, adjusted for net selling costs. Fair values of real estate owned are reviewed regularly and write-downs are recorded when it is determined that the carrying value of real estate exceeds the fair value less estimated costs to sell. Costs relating to the development and improvement of such property are capitalized, whereas those costs relating to holding the property are expensed.
Property and Equipment	Property and Equipment Property and equipment are stated at cost. Major repairs are charged to operations, while major improvements are capitalized. Depreciation is computed using the straight-line method over the estimated useful lives of the related assets. Upon retirement, sale, or other disposition of property and equipment, the cost and accumulated depreciation are eliminated from the accounts, and gain or loss is included in income from operations. Construction in progress is stated at cost, which includes the cost of construction and other direct costs attributable to the construction. No provision for depreciation is made on construction in progress until such time as the relevant assets are completed and put into use.
Operating Leases	Operating Leases The Company maintains operating leases on land and buildings for various office spaces. The operating right-of-use asset is included in property and equipment and the operating right-of-use liability is included in other liabilities on the balance sheets. The right-of-use asset and lease liability are recognized at lease commencement by calculating the net present value of the lease payments over the lease term.
Bank Owned Life Insurance Policies	Bank Owned Life Insurance Policies Bank owned life insurance policies represent the cash value of policies on certain officers of the Company.
Comprehensive Income	Comprehensive Income Comprehensive income (loss) consists of net income and net unrealized gains (losses) on securities and is presented in the statements of shareholders’ equity and comprehensive income. The statement requires only additional disclosures in the consolidated financial statements; it does not affect our results of operations.
Revenue from Contracts with Customers	Revenue from Contracts with Customers The Company records revenue from contracts with customers in accordance with Accounting Standards Codification Topic 606, “Revenue from Contracts with Customers” (“Topic 606”). Under Topic 606, the Company must identify the contract with a customer, identify the performance obligations in the contract, determine the transaction price, allocate the transaction price to the performance obligations in the contract, and recognize revenue when (or as) the Company satisfies a performance obligation. Significant revenue has not been recognized in the current reporting period that results from performance obligations satisfied in previous periods. The Company’s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Company has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Company generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, the Company has made no significant judgments in applying the revenue guidance prescribed in Topic 606 that affect the determination of the amount and timing of revenue from contracts with customers.
Income Taxes	Income Taxes The financial statements have been prepared on the accrual basis. When income and expenses are recognized in different periods for financial reporting purposes versus for the purposes of computing income taxes currently payable, deferred taxes are provided on such temporary differences. Deferred tax assets and liabilities are recognized for the expected future tax consequences of events that have been recognized in the consolidated financial statements or tax returns. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be realized or settled. The Company believes that its income tax filing positions taken or expected to be taken on its tax returns will more likely than not be sustained upon audit by the taxing authorities and does not anticipate any adjustments that will result in a material adverse impact on the Company’s financial condition, results of operations, or cash flow. Therefore, no reserves for uncertain income tax positions have been recorded. The Company’s federal and state income tax returns are open and subject to examination from the 2021 tax return year and forward.
Stock-Based Compensation	Stock-Based Compensation The Company has a stock-based employee compensation plan. Compensation cost is recognized for all stock options granted and for any outstanding unvested awards as if the fair value method had been applied to those awards as of the date of grant.
Adoption of New Accounting Standard	Adoption of New Accounting Standard In June 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326). The ASU introduced a new credit loss methodology, the Current Expected Credit Loss (“CECL”) methodology, which requires earlier recognition of credit losses, while also providing additional transparency about credit risk. Since its original issuance in 2016, the FASB has issued several updates to the original ASU. The CECL methodology utilizes a lifetime “expected credit loss” measurement objective for the recognition of credit losses for loans, held-to-maturity securities, and other receivables at the time the financial asset is originated or acquired. It also applies to off-balance sheet credit exposures, such as unfunded commitments to extend credit. The expected credit losses are adjusted each period for changes in expected lifetime credit losses. The methodology replaces the multiple existing impairment methods in current GAAP, which generally require that a loss be incurred before it is recognized. For available-for-sale securities where fair value is less than cost, credit-related impairment, if any, is recognized through an allowance for credit losses and adjusted each period for changes in credit risk. On January 1, 2022, the Company adopted the guidance prospectively with a cumulative adjustment to retained earnings. Results for reporting periods beginning after January 1, 2022 are presented under CECL while prior period amounts continue to be reported in accordance with the previously applicable incurred loss accounting methodology. The transition adjustment for the adoption of CECL included an increase in the allowance for credit losses on loans of $ 1.5 2 2.8 In January 2023, the Company adopted ASU 2022-02, “Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures” (“ASU 2022-02”), which eliminated the accounting guidance for troubled debt restructurings (“TDRs”) while enhancing disclosure requirements for certain loan refinancing and restructurings by creditors when a borrower is experiencing financial difficulty. In addition, for public business entities, the guidance requires disclosure of current-period gross write-offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20. The Company adopted the guidance using the modified retrospective method. Upon adoption of this guidance, the Company no longer establishes a specific reserve for modifications to borrowers experiencing financial difficulty. Instead, these modifications are included in their respective cohort and a historical loss rate is applied to the current loan balance to arrive at the quantitative baseline portion of the allowance. The difference between the allowance previously determined and the current allowance was not material to the Company’s financial statements. In January 2023, the Company adopted ASU 2022-01, “Derivatives and Hedging (Topic 815): Fair Value Hedging – Portfolio Layer Method”, which intended to better align hedge accounting with an organization’s risk management strategies. The ASU became applicable to the Company in the second quarter of 2023 when we entered into a fair value hedge using the portfolio layer method. In December 2022, the FASB issued amendments to defer the sunset date of the Reference Rate Reform Topic of the Accounting Standards Codification from December 31, 2022 to December 31, 2024, because the current relief in Reference Rate Reform Topic may not cover a period of time during which a significant number of modifications may take place. The amendments were effective upon issuance. The amendments did not have a material effect on the Company’s financial statements. In November 2023, the FASB amended the Segment Reporting topic in the Accounting Standards Codification to improve disclosures about a public entity’s reportable segments and provide more detailed information about a reportable segment’s expenses. The amendments were effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption was permitted. Upon adoption, the Company applied the amendments retrospectively to all prior periods presented in the financial statements. The amendments did not have a material effect on the Company’s financial statements.
Newly Issued, But Not Yet Effective Accounting Standards	Newly Issued, But Not Yet Effective Accounting Standards In December 2023, the FASB amended the Income Taxes topic in the Accounting Standards Codification to improve the transparency of income tax disclosures. The amendments are effective for annual periods beginning after December 15, 2024. Early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The Company does not expect these amendments to have a material effect on its financial statements. In November 2024, the FASB amended the Income Statement – Reporting Comprehensive Income
Operating Segments	Operating Segments The Company adopted Accounting Standards Update 2023-07 “Segment Reporting (Topic 280) – Improvement to Reportable Segment Disclosures” on January 1, 2024. The Company, through the Bank, provides a broad range of financial services to individuals and companies in South Carolina, North Carolina, and Georgia. The Company operates through a single operating and reporting segment, primarily as a bank through services including demand, time and savings deposits; lending services; ATM processing and mortgage banking services. The Company’s chief operating decision maker, the Company’s Chief Executive Officer, assesses performance for the Company and decides how to allocate resources based on net income that also is reported on the income statement as consolidated net income. The measure of segment assets is reported on the balance sheet as total consolidated assets. While the chief operating decision maker monitors the operating results of its lines of business, operations are managed and financial performance is evaluated on a consolidated basis. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment.

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized costs and fair value of investment securities	Schedule of amortized costs and fair value of investment securities December 31, 2024 Amortized Gross Unrealized Fair (dollars in thousands) Corporate bonds [Member] Cost Gains Losses Value Available for sale Asset-backed securities [Member] Corporate bonds US treasuries [Member] $ 2,121 - 194 1,927 US treasuries 999 - 91 908 US government agencies US government agencies [Member] 17,540 1 1,746 15,795 State and political subdivisions State and political subdivisions [Member] 22,387 - 3,065 19,322 Asset-backed securities Mortgage-backed securities [Member] 36,613 36 111 36,538 Mortgage-backed securities 66,988 19 9,370 57,637 Total investment securities available for sale $ 146,648 56 14,577 132,127 December 31, 2023 Amortized Gross Unrealized Fair (dollars in thousands) Cost Gains Losses Value Available for sale Corporate bonds $ 2,147 - 237 1,910 US treasuries 9,495 1 102 9,394 US government agencies 20,594 - 1,938 18,656 State and political subdivisions 22,642 11 2,912 19,741 Asset-backed securities 33,450 2 216 33,236 Mortgage-backed securities 60,730 - 8,965 51,765 Total investment securities available for sale $ 149,058 14 14,370 134,702
Schedule of amortized costs and fair values of investment securities available for sale by contractual maturity	Schedule of amortized costs and fair values of investment securities available for sale by contractual maturity December 31, 2024 December 31, 2023 (dollars in thousands) Amortized Cost Fair Amortized Fair Available for sale Due within one year $ 470 461 $ 9,503 9,467 Due after one through five years 17,897 16,154 10,222 9,279 Due after five through ten years 29,512 26,791 32,159 28,380 Due after ten years 98,769 88,721 97,174 87,576 Total investment securities $ 146,648 132,127 $ 149,058 134,702
Schedule of gross unrealized losses on investment securities and fair market value of related securities	Schedule of gross unrealized losses on investment securities and fair market value of related securities December 31, 2024 Less than 12 months 12 months or longer Total (dollars in thousands) # Fair Unrealized # Fair Unrealized # Fair Unrealized Available for sale Corporate bonds - $ - $ - 1 $ 1,927 $ 194 1 $ 1,927 $ 194 US treasuries - - - 1 908 91 1 908 91 US government agencies 1 2,694 1 9 10,269 1,745 10 12,963 1,746 State and political subdivisions 3 1,436 153 30 17,886 2,912 33 19,322 3,065 Asset-backed securities 6 15,828 83 5 5,344 28 11 21,172 111 Mortgage-backed securities 6 8,226 409 61 45,360 8,961 67 53,586 9,370 Total investment securities 16 $ 28,184 $ 646 107 $ 81,694 $ 13,931 123 $ 109,878 $ 14,577 December 31, 2023 Less than 12 months 12 months or longer Total (dollars in thousands) # Fair Unrealized # Fair Unrealized # Fair Unrealized Available for sale Corporate bonds - $ - $ - 1 $ 1,910 $ 237 1 $ 1,910 $ 237 US treasuries - - - 1 897 102 1 897 102 US government agencies 2 7,533 50 10 11,123 1,888 12 18,656 1,938 State and political subdivisions - - - 30 18,964 2,912 30 18,964 2,912 Asset-backed securities 8 26,746 145 7 4,866 71 15 31,612 216 Mortgage-backed securities 2 2,869 36 62 48,896 8,929 64 51,765 8,965 Total investment securities 12 $ 37,148 $ 231 111 $ 86,656 $ 14,139 123 $ 123,804 $ 14,370
Schedule of other investments	Schedule of other investments December 31, (dollars in thousands) 2024 2023 Federal Home Loan Bank stock $ 14,516 $ 16,063 Other nonmarketable investments 4,571 3,473 Investment in Trust Preferred subsidiaries 403 403 Total other investments $ 19,490 $ 19,939

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2024
Receivables [Abstract]
Schedule of composition of our loan portfolio	Schedule of composition of our loan portfolio December 31 (dollars in thousands) Commercial [Member] 2024 2023 Commercial Owner occupied RE Owner occupied RE [Member] $ 651,597 17.9 % $ 631,657 17.5 % Non-owner occupied RE 924,367 25.5 % 942,529 26.2 % Construction Construction [Member] 103,204 2.8 % 150,680 4.2 % Business 556,117 15.3 % 500,161 13.9 % Total commercial loans Consumer [Member] 2,235,285 61.5 % 2,225,027 61.8 % Consumer Real estate Real estate [Member] 1,128,629 31.1 % 1,082,429 30.0 % Home equity Home equity [Member] 204,897 5.6 % 183,004 5.1 % Construction Non-owner occupied RE [Member] 20,874 0.6 % 63,348 1.7 % Other Other [Member] 42,082 1.2 % 48,819 1.4 % Total consumer loans 1,396,482 38.5 % 1,377,600 38.2 % Total gross loans, net of deferred fees 3,631,767 100.0 % 3,602,627 100.0 % Less – allowance for credit losses (39,914 ) (40,682 ) Total loans, net $ 3,591,853 $ 3,561,945
Schedule of composition of gross loans by rate type	Schedule of composition of gross loans by rate type December 31, (dollars in thousands) 2024 2023 Floating rate loans $ 697,897 $ 574,352 Fixed rate loans 2,933,870 3,028,275 Total loans $ 3,631,767 $ 3,602,627
Schedule of classified by credit quality indicators by year of origination	Schedule of classified by credit quality indicators by year of origination December 31, 2024 (dollars in thousands) 2024 2023 2022 2021 2020 Prior Revolving Revolving Total Commercial Owner occupied RE Pass $ 51,338 47,997 186,361 122,306 66,561 145,743 160 238 620,704 Watch 480 1,180 3,638 1,962 8,828 11,012 - - 27,100 Special Mention - - 162 - - 2,840 - - 3,002 Substandard - - - - - 791 - - 791 Total Owner occupied RE 51,818 49,177 190,161 124,268 75,389 160,386 160 238 651,597 Non-owner occupied RE Pass 50,685 70,517 321,726 145,658 95,994 183,723 360 220 868,883 Watch - 954 6,081 10,238 4,705 8,435 - - 30,413 Special Mention - - - 7,579 - 8,882 - - 16,461 Substandard - - 969 - - 7,641 - - 8,610 Total Non-owner occupied RE 50,685 71,471 328,776 163,475 100,699 208,681 360 220 924,367 Current period gross write-offs - - - - - (1,029 ) - - (1,029 ) Construction Pass 24,076 26,501 34,067 15,000 - - - - 99,644 Watch - 2,420 1,140 - - - - - 3,560 Total Construction 24,076 28,921 35,207 15,000 - - - - 103,204 Business Pass 54,814 41,743 129,450 38,312 15,716 51,566 196,246 803 528,650 Watch - 132 5,353 2,174 1,423 5,243 8,776 389 23,490 Special Mention 660 95 805 - 65 533 - 206 2,364 Substandard 28 - - - 385 630 570 - 1,613 Total Business 55,502 41,970 135,608 40,486 17,589 57,972 205,592 1,398 556,117 Current period gross write-offs - - - (143 ) (347 ) (18 ) (72 ) - (580 ) Total Commercial loans 182,081 191,539 689,752 343,229 193,677 427,039 206,112 1,856 2,235,285 Consumer Real estate Pass 78,287 144,487 277,854 263,079 160,007 153,584 - - 1,077,298 Watch 671 2,409 6,961 8,573 4,147 4,632 - - 27,393 Special Mention 817 1,536 5,987 2,664 2,804 5,181 - - 18,989 Substandard 212 508 967 746 821 1,695 - - 4,949 Total Real estate 79,987 148,940 291,769 275,062 167,779 165,092 - - 1,128,629 Home equity Pass - - - - - - 188,451 - 188,451 Watch - - - - - - 9,114 - 9,114 Special Mention - - - - - - 6,173 - 6,173 Substandard - - - - - - 1,159 - 1,159 Total Home equity - - - - - - 204,897 - 204,897 Current period gross write-offs - - - - - - (45 ) - (45 ) Construction Pass 7,700 3,636 9,222 316 - - - - 20,874 Total Construction 7,700 3,636 9,222 316 - - - - 20,874 Other Pass 2,732 836 1,521 1,593 1,229 2,609 29,660 - 40,180 Watch 167 61 12 366 - 129 595 - 1,330 Special Mention 36 35 325 66 - 65 45 - 572 Total Other 2,935 932 1,858 2,025 1,229 2,803 30,300 - 42,082 Current period gross write-offs - - - - - (38 ) (42 ) - (80 ) Total Consumer loans 90,622 153,508 302,849 277,403 169,008 167,895 235,197 - 1,396,482 Total loans $ 272,703 345,047 992,601 620,632 362,685 594,934 441,309 1,856 3,631,767 Total Current period gross write-offs - - - (143 ) (347 ) (1,085 ) (159 ) - (1,734 ) The following table presents loan balances classified by credit quality indicators by year of origination as of December 31, 2023. December 31, 2023 (dollars in thousands) 2023 2022 2021 2020 2019 Prior Revolving Revolving Total Commercial Owner occupied RE Pass $ 42,846 180,654 138,549 64,818 59,880 110,502 85 166 597,500 Watch - 3,460 460 15,997 3,525 6,616 - - 30,058 Special Mention - 181 - - - 3,057 - - 3,238 Substandard - - - - - 861 - - 861 Total Owner occupied RE 42,846 184,295 139,009 80,815 63,405 121,036 85 166 631,657 Non-owner occupied RE Pass 84,617 298,063 162,697 107,364 59,260 163,990 9,249 - 885,240 Watch 1,007 3,260 9,914 533 5,545 10,630 - - 30,889 Special Mention - - 7,759 - 8,252 879 - - 16,890 Substandard - - 313 - 8,088 1,109 - - 9,510 Total Non-owner occupied RE 85,624 301,323 180,683 107,897 81,145 176,608 9,249 - 942,529 Current period gross write-offs - (200 ) - - - (42 ) - - (242 ) Construction Pass 27,262 86,161 24,399 11,459 - - - - 149,281 Watch - 1,399 - - - - - - 1,399 Total Construction 27,262 87,560 24,399 11,459 - - - - 150,680 Business Pass 48,705 134,999 48,557 18,868 17,292 47,708 146,745 1,431 464,305 Watch 127 15,867 1,833 1,010 842 3,584 7,570 506 31,339 Special Mention 241 961 98 857 184 447 150 97 3,035 Substandard - - 155 - 132 1,195 - - 1,482 Total Business 49,073 151,827 50,643 20,735 18,450 52,934 154,465 2,034 500,161 Current period gross write-offs - - - (28 ) - - (15 ) (22 ) (65 ) Total Commercial loans 204,805 725,005 394,734 220,906 163,000 350,578 163,799 2,200 2,225,027 Consumer Real estate Pass 144,179 273,585 278,138 176,395 66,087 105,383 - - 1,043,767 Watch 490 5,658 8,230 3,917 2,051 3,890 - - 24,236 Special Mention 143 2,499 1,657 1,291 2,220 3,360 - - 11,170 Substandard - - 635 817 318 1,486 - - 3,256 Total Real estate 144,812 281,742 288,660 182,420 70,676 114,119 - - 1,082,429 Home equity Pass - - - - - - 171,003 - 171,003 Watch - - - - - - 6,393 - 6,393 Special Mention - - - - - - 4,283 - 4,283 Substandard - - - - - - 1,325 - 1,325 Total Home equity - - - - - - 183,004 - 183,004 Current period gross write-offs - - - - - - (438 ) - (438 ) Construction Pass 14,339 39,893 9,116 - - - - - 63,348 Total Construction 14,339 39,893 9,116 - - - - - 63,348 Other Pass 1,278 2,551 2,361 1,457 803 2,604 36,549 - 47,603 Watch 9 29 348 - 15 163 58 - 622 Special Mention 33 333 - - 23 82 41 - 512 Substandard - - 75 - - - 7 - 82 Total Other 1,320 2,913 2,784 1,457 841 2,849 36,655 - 48,819 Current period gross write-offs - - - - - - (16 ) - (16 ) Total Consumer loans 160,471 324,548 300,560 183,877 71,517 116,968 219,659 - 1,377,600 Total loans $ 365,276 1,049,553 695,294 404,783 234,517 467,546 383,458 2,200 3,602,627 Total Current period gross write-offs - (200 ) - (28 ) - (42 ) (469 ) (22 ) (761 )
Schedule of loan balances by age payment status	Schedule of loan balances by age payment status December 31, 2024 (dollars in thousands) Accruing 30-59 Accruing 60-89 Accruing 90 Nonaccrual Accruing Total Commercial Owner occupied RE $ 292 - - - 651,305 651,597 Non-owner occupied RE - - - 7,641 916,726 924,367 Construction - - - - 103,204 103,204 Business 1,319 - - 1,016 553,782 556,117 Consumer Real estate 3,839 938 - 1,908 1,121,944 1,128,629 Home equity 41 - - 312 204,544 204,897 Construction - - - - 20,874 20,874 Other - - - - 42,082 42,082 Total loans $ 5,491 938 - 10,877 3,614,461 3,631,767 December 31, 2023 (dollars in thousands) Accruing 30-59 Accruing 60-89 Accruing 90 Nonaccrual Accruing Total Commercial Owner occupied RE $ 74 - - - 631,583 631,657 Non-owner occupied RE 8,102 - - 1,423 933,004 942,529 Construction - - - - 150,680 150,680 Business 567 - - 319 499,275 500,161 Consumer Real estate 1,750 - - 985 1,079,694 1,082,429 Home equity 601 30 - 1,236 181,137 183,004 Construction - - - - 63,348 63,348 Other 25 25 - - 48,769 48,819 Total loans $ 11,119 55 - 3,963 3,587,490 3,602,627
Schedule of nonperforming assets	Schedule of nonperforming assets December 31, (dollars in thousands) 2024 2023 Nonaccrual loans $ 10,877 3,963 Other real estate owned - - Total nonperforming assets $ 10,877 3,963 Nonperforming assets as a percentage of: Total assets 0.27 % 0.10 % Gross loans 0.30 % 0.11 % Total loans over 90 days past due $ 2,641 1,300 Loans over 90 days past due and still accruing - -
Schedule of nonaccrual loans by major categories	Schedule of nonaccrual loans by major categories December 31, 2024 December 31, 2023 Nonaccrual Nonaccrual Nonaccrual Nonaccrual loans loans Total loans loans Total with no with an nonaccrual with no with an nonaccral (dollars in thousands) allowance allowance loans allowance allowance loans Commercial Non-owner occupied RE $ 5,844 1,797 7,641 $ 653 770 1,423 Business - 1,016 1,016 164 155 319 Total commercial 5,844 2,813 8,657 817 925 1,742 Consumer Real estate 1,526 382 1,908 - 985 985 Home equity 312 - 312 343 893 1,236 Total consumer 1,838 382 2,220 343 1,878 2,221 Total nonaccrual loans $ 7,682 3,195 10,877 $ 1,160 2,803 3,963
Schedule of activity related to the allowance for credit losses	Schedule of activity related to the allowance for credit losses For the years ended December 31, 2024 Commercial Consumer (dollars in thousands) Owner Non- Construction Business Real Home Construction Other Total Balance, beginning of period $ 6,118 11,167 1,594 7,385 10,647 2,600 677 494 40,682 Provision for credit losses (636 ) 81 (654 ) 828 1,712 (155 ) (562 ) (114 ) 500 Loan charge-offs - (1,029 ) - (580 ) - (45 ) - (80 ) (1,734 ) Loan recoveries - - - 112 - 255 - 99 466 Net loan recoveries (charge-offs) - (1,029 ) - (468 ) - 210 - 19 (1,268 ) Balance, end of period $ 5,482 10,219 940 7,745 12,359 2,655 115 399 39,914 Net charge-offs to average loans (annualized) 0.04 % Allowance for credit losses to gross loans 1.10 % Allowance for credit losses to nonperforming loans 366.94 % For the years ended December 31, 2023 Commercial Consumer (dollars in thousands) Owner Non-owner Construction Business Real Home Construction Other Total Balance, beginning of period $ 5,867 10,376 1,292 7,861 9,487 2,551 893 312 38,639 Provision for credit losses 251 848 302 (755 ) 1,160 422 (216 ) 197 2,209 Loan charge-offs - (242 ) - (65 ) - (438 ) - (16 ) (761 ) Loan recoveries - 185 - 344 - 65 - 1 595 Net loan recoveries (charge-offs) - (57 ) - 279 - (373 ) - (15 ) (166 ) Balance, end of period $ 6,118 11,167 1,594 7,385 10,647 2,600 677 494 40,682 Net recoveries to average loans (annualized) 0.00 % Allowance for credit losses to gross loans 1.13 % Allowance for credit losses to nonperforming loans 1026.55 % For the years ended December 31, 2022 Commercial Consumer (dollars in thousands) Owner Non-owner Construction Business Real Home Construction Other Total Balance, beginning of period $ 4,700 10,518 625 4,887 7,083 1,697 578 320 30,408 Adjustment for CECL (313 ) 333 154 1,057 (294 ) 438 130 (5 ) 1,500 Provision for credit losses 1,480 (2,015 ) 513 1,764 2,698 663 185 87 5,375 Loan charge-offs - - - (55 ) - (339 ) - (91 ) (485 ) Loan recoveries - 1,540 - 208 - 92 - 1 1,841 Net loan recoveries (charge-offs) - 1,540 - 153 - (247 ) - (90 ) 1,356 Balance, end of period $ 5,867 10,376 1,292 7,861 9,487 2,551 893 312 38,639 Net recoveries to average loans (annualized) (0.05 %) Allowance for credit losses to gross loans 1.18 % Allowance for credit losses to nonperforming loans 1470.84 %
Schedule of analysis of collateral-dependent loans	Schedule of analysis of collateral-dependent loans December 31, 2024 Real Business (dollars in thousands) estate assets Other Total Commercial Non-owner occupied RE $ 7,641 - - 7,641 Business 460 556 - 1,016 Total commercial 8,101 556 - 8,657 Consumer Real estate 1,908 - - 1,908 Home equity 312 - - 312 Total consumer 2,220 - - 2,220 Total collateral dependent loans $ 10,321 556 - 10,877 December 31, 2023 Real Business (dollars in thousands) estate assets Other Total Commercial Non-owner occupied RE $ 720 - - 720 Business 164 - - 164 Total commercial 884 - - 884 Consumer Real estate 166 - - 166 Home equity 343 - - 343 Total consumer 509 - - 509 Total collateral dependent loans $ 1,393 - - 1,393
Schedule of allowance for credit losses for unfunded loan commitments	Schedule of allowance for credit losses for unfunded loan commitments For the years ended December 31, (dollars in thousands) 2024 2023 2022 Balance, beginning of period $ 1,831 2,780 - Adjustment for adoption of CECL - - 2,000 Provision for (reversal of) credit losses (375 ) (949 ) 780 Balance, end of period $ 1,456 1,831 2,780 Unfunded Loan Commitments 719,084 724,606 878,324 Reserve for Unfunded Commitments to Unfunded Loan Commitments 0.20 % 0.25 % 0.32 %

Property and Equipment (Tables)

Property and Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
Property, Plant and Equipment [Abstract]
Schedule of components of property and equipment	Schedule of components of property and equipment December 31, (dollars in thousands) 2024 2023 Land $ 11,244 11,244 Buildings Buildings [Member] 54,932 54,630 Leasehold improvements Leasehold improvements [Member] 5,789 5,762 Furniture and equipment Furniture and equipment [Member] 22,304 21,863 Software 409 409 Construction in process Construction in process [Member] 56 130 Accumulated depreciation and amortization (26,547 ) (21,907 ) Property and equipment, excluding ROU assets 68,187 72,131 ROU assets 20,607 22,170 Total property and equipment $ 88,794 94,301
Schedule of estimated useful lives of property and equipment	Schedule of estimated useful lives of property and equipment Type of Asset Life in Years Software 3 Furniture and equipment 5 7 Leasehold improvements 5 15 Buildings 40

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2024
Leases
Schedule of operating lease payment due	Schedule of operating lease payment due Operating (dollars in thousands) Leases 2025 $ 2,157 2026 2,210 2027 2,267 2028 2,015 2029 1,501 Thereafter 18,686 Total undiscounted lease payments 28,836 Discount effect of cash flows 5,610 Total lease liability $ 23,226

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2024
Deposits [Abstract]
Schedule of detail of deposit accounts	Schedule of detail of deposit accounts December 31, (dollars in thousands) 2024 2023 Noninterest bearing $ 683,081 674,167 Interest bearing: NOW accounts 314,588 310,218 Money market accounts 1,438,530 1,605,278 Savings 31,976 31,669 Time deposits 967,590 758,232 Total deposits $ 3,435,765 3,379,564
Schedule of maturities of time deposits	Schedule of maturities of time deposits (dollars in thousands) 2025 $ 741,679 2026 113,327 2027 29,416 2028 81,005 2029 2,163 Total time deposits $ 967,590

Federal Home Loan Bank Advanc_2

Federal Home Loan Bank Advances and Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2024
Federal Home Loan Bank Advances And Other Borrowings
Schedule of terms and maturities of advances outstanding	Schedule of terms and maturities of advances outstanding December 31, (dollars in thousands) 2024 2023 Maturity Amount Rate Amount Rate February 29, 2024 $ - - $ 35,000 5.57 % April 28, 2028 40,000 3.51 % 40,000 3.51 % May 15, 2028 - - 35,000 3.13 % June 28, 2028 40,000 3.54 % 40,000 3.54 % July 10, 2028 - - 45,000 3.78 % July 10, 2028 40,000 3.87 % 40,000 3.87 % July 10, 2028 40,000 3.96 % 40,000 3.96 % May 15, 2029 35,000 3.90 % - - July 10, 2029 45,000 3.69 % - - Total FHLB advances outstanding $ 240,000 3.74 % $ 275,000 3.89 %

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of carrying value of hedged asset and liability and cumulative fair value hedging adjustment	Schedule of carrying value of hedged asset and liability and cumulative fair value hedging adjustment December 31, 2024 2023 (dollars in thousands) Carrying Hedged Asset Carrying Hedged Liability Fixed Rate Asset/Liability 1 $ 303,698 3,698 199,518 482 1 These amounts included the amortized cost basis of closed portfolios of fixed rate loans used to designate hedging relationships in which the hedged item is the stated amount of the assets in the closed portfolio anticipated to be outstanding for the designated hedged period. As of December 31, 2024, the amortized cost basis of the closed portfolio used in this hedging relationship was $ 665.7 3.7 300.0
Schedule of outstanding financial derivative instruments	Schedule of outstanding financial derivative instruments December 31, 2024 Fair Value (dollars in thousands) Notional Balance Sheet Asset/(Liability) Derivatives designated as hedging instruments: Fair value swap Fair value swap [Member] $ 300,000 Other assets $ 3,698 Derivatives not designated as hedging instruments: Mortgage loan interest rate lock commitments Mortgage loan interest rate lock commitments [Member] 15,841 Other assets 188 MBS forward sales commitments MBS forward sales commitments [Member] 10,500 Other assets 40 Total derivative financial instruments Total derivative financial instruments [Member] $ 326,341 $ 3,926 December 31, 2023 Fair Value (dollars in thousands) Notional Balance Sheet Asset/(Liability) Derivatives designated as hedging instruments: Fair value swap $ 200,000 Other liabilities $ (482 ) Derivatives not designated as hedging instruments: Mortgage loan interest rate lock commitments 12,973 Other assets 159 MBS forward sales commitments 10,000 Other liabilities (68 ) Total derivative financial instruments $ 222,973 $ (391 )
Schedule of summarize the effect of fair value hedging relationship recognized in the consolidated statement of income	Schedule of summarize the effect of fair value hedging relationship recognized in the consolidated statement of income For the years ended December 31, (dollars in thousands) 2024 2023 Gain (loss) on fair value hedging relationship: Hedged asset/(liability) $ 3,698 (482 ) Fair value derivative designated as hedging instrument (3,668 ) 511 Total gain recognized in interest income on loans $ 30 29

Fair Value Accounting (Tables)

Fair Value Accounting (Tables)	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Schedule of assets and liabilities measured at fair value on a recurring basis	Schedule of assets and liabilities measured at fair value on a recurring basis December 31, 2024 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Level 1 [Member] Securities available for sale: Level 2 [Member] Corporate bonds Level 3 [Member] $ - 1,927 - 1,927 US treasuries - 908 - 908 US government agencies - 15,795 - 15,795 State and political subdivisions - 19,322 - 19,322 Asset-backed securities - 36,538 - 36,538 Mortgage-backed securities - 57,637 - 57,637 Mortgage loans held for sale - 4,565 - 4,565 Mortgage loan interest rate lock commitments - 188 - 188 Derivative asset - 3,698 - 3,698 MBS forward sales commitments - 40 - 40 Total assets measured at fair value on a recurring basis $ - 140,618 - 140,618 The Company had no liabilities recorded at fair value on a recurring basis as of December 31, 2024. December 31, 2023 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Securities available for sale: Corporate bonds $ - 1,910 - 1,910 US treasuries - 9,394 - 9,394 US government agencies - 18,656 - 18,656 State and political subdivisions - 19,741 - 19,741 Asset-backed securities - 33,236 - 33,236 Mortgage-backed securities - 51,765 - 51,765 Mortgage loans held for sale - 7,194 - 7,194 Mortgage loan interest rate lock commitments - 159 - 159 Total assets measured at fair value on a recurring basis $ - 142,055 - 142,055 Liabilities Derivative liability $ - 482 - 482 MBS forward sales commitments - 68 - 68 Total liabilities measured at fair value on a recurring basis $ - 550 - 550
Schedule of assets and liabilities measured at fair value on a nonrecurring basis	Schedule of assets and liabilities measured at fair value on a nonrecurring basis December 31, 2024 (dollars in thousands) Level 1 Level 2 Level 3 Total Assets Individually evaluated loans $ - 9,139 1,127 10,266 Total assets measured at fair value on a nonrecurring basis $ - 9,139 1,127 10,266 December 31, 2023 Level 1 Level 2 Level 3 Total Assets Individually evaluated loans $ - 1,160 2,976 4,136 Total assets measured at fair value on a nonrecurring basis $ - 1,160 2,976 4,136
Schedule of unobservable inputs used in the fair value measurements	Schedule of unobservable inputs used in the fair value measurements Valuation Technique Significant Unobservable Inputs Range of Inputs Individually evaluated loans Appraised Value/ Discounted Cash Flows Discounts to appraisals or cash flows for estimated holding and/or selling costs or age of appraisal 0 25
Schedule of estimated fair values of the company's financial instruments	Schedule of estimated fair values of the company's financial instruments December 31, 2024 (dollars in thousands) Carrying Fair Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 19,490 19,490 - - 19,490 Loans (1) 3,579,640 3,319,602 - - 3,319,602 Financial Liabilities: Deposits 3,435,765 3,158,893 - 3,158,893 - Subordinated debentures 24,903 27,539 - 27,539 - December 31, 2023 (dollars in thousands) Carrying Fair Level 1 Level 2 Level 3 Financial Assets: Other investments, at cost $ 19,939 19,939 - - 19,939 Loans (1) 3,557,120 3,337,768 - - 3,337,768 Financial Liabilities: Deposits 3,379,564 2,961,182 - 2,961,182 - Subordinated debentures 36,322 40,712 - 40,712 - (1) Carrying amount is net of the allowance for credit losses and individually evaluated loans.

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2024
Earnings per common share
Schedule of earnings per share	Schedule of earnings per share For the years ended December 31, (dollars in thousands, except share data) 2024 2023 2022 Numerator: Net income $ 15,530 13,426 29,115 Net income available to common shareholders $ 15,530 13,426 29,115 Denominator: Weighted-average common shares outstanding - basic 8,080,623 8,046,633 7,958,294 Common stock equivalents 36,434 31,821 113,396 Weighted-average common shares outstanding - diluted 8,117,057 8,078,454 8,071,690 Earnings per common share: Basic $ 1.92 1.67 3.66 Diluted $ 1.91 1.66 3.61

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2024
Income Tax Disclosure [Abstract]
Schedule of components of income tax expense	Schedule of components of income tax expense For the years ended December 31, (dollars in thousands) 2024 2023 2022 Current income taxes: Federal $ 4,992 3,769 8,482 State 623 460 1,273 Total current tax expense 5,615 4,229 9,755 Deferred income benefit (1,233 ) (228 ) (757 ) Income tax expense $ 4,382 4,001 8,998
Schedule of taxes computed using the statutory tax rate	Schedule of taxes computed using the statutory tax rate For the years ended December 31, (dollars in thousands) 2024 2023 2022 Tax expense at statutory rate $ 4,182 3,660 8,004 Effect of state income taxes, net of federal benefit 195 364 1,006 Exempt income 13 7 (27 ) Effect of stock-based compensation 128 133 42 Other (136 ) (163 ) (27 ) Income tax expense $ 4,382 4,001 8,998
Schedule of components of the deferred tax assets and liabilities	Schedule of components of the deferred tax assets and liabilities December 31, (dollars in thousands) 2024 2023 Deferred tax assets: Allowance for credit losses $ 8,636 8,543 Reserve for unfunded commitments 315 384 Unrealized loss on securities available for sale 3,050 3,015 Net deferred loan fees 1,343 1,475 Deferred compensation 1,557 1,458 Accrued bonuses 687 - Lease liabilities 4,999 5,175 Other 608 479 Total deferred tax assets 21,195 20,529 Deferred tax liabilities: Property and equipment 2,892 3,334 Hedging transactions 79 74 Prepaid expenses 302 255 ROU assets 4,435 4,656 Other 20 10 Total deferred tax assets 7,728 8,329 Net deferred tax asset $ 13,467 12,200

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Schedule of loan transactions with directors and executive officers, including their affiliates	Schedule of loan transactions with directors and executive officers, including their affiliates For the years ended December 31, (dollars in thousands) 2024 2023 Balance, beginning of year $ 25,252 17,217 New loans 7,000 17,455 Less loan payments (7,107 ) (9,420 ) Balance, end of year $ 25,145 25,252

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2024
Share-Based Payment Arrangement [Abstract]
Schedule of stock-based compensation expense	Schedule of stock-based compensation expense For the years ended December 31, (dollars in thousands) 2024 2023 2022 Stock option expense $ 374 528 927 Restricted stock grant expense 1,909 1,415 1,099 Total stock-based compensation expense $ 2,283 1,943 2,026
Schedule of the status of the stock option plan and changes	Schedule of the status of the stock option plan and changes For the years ended December 31, 2024 2023 2022 Shares Weighted Weighted Shares Weighted Weighted Shares Weighted Weighted Outstanding at beginning of year 331,349 $ 35.51 427,224 $ 34.32 464,724 $ 33.97 Granted - - - - - - Exercised (15,250 ) 17.17 (27,250 ) 20.18 (32,375 ) 27.94 Forfeited or expired (3,500 ) 41.55 (68,625 ) 34.15 (5,125 ) 43.14 Outstanding at end of year 312,599 $ 36.34 4.1 331,349 $ 35.51 4.9 427,224 $ 34.32 5.7 Options exercisable at year-end 288,849 $ 36.00 4.0 267,376 $ 34.48 4.5 287,902 $ 32.35 4.8 Weighted average fair value of options granted during the year $ - $ - $ - Shares available for grant 258,622 319,058 370,824
Schedule of the status of the company's nonvested restricted stock and changes	Schedule of the status of the company's nonvested restricted stock and changes December 31, 2024 2023 2022 Restricted Weighted Restricted Weighted Restricted Weighted Nonvested at beginning of year 109,533 $ 44.40 80,337 $ 52.53 41,699 $ 44.71 Granted 65,373 36.47 69,880 37.12 53,376 56.25 Vested (30,118 ) 44.72 (21,695 ) 48.95 (14,213 ) 43.26 Forfeited (4,937 ) 37.95 (18,989 ) 46.83 (525 ) 61.14 Nonvested at end of year 139,851 $ 40.85 109,533 $ 44.40 80,337 $ 52.53

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Schedule of capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements	Schedule of capital amounts and ratios of the Bank and the Company and the regulatory minimum requirements Actual For capital To be well provisions minimum (dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2024 The Bank Total Capital (to risk weighted assets) $ 402,629 12.66 % $ 254,412 8.00 % $ 318,015 10.00 % Tier 1 Capital (to risk weighted assets) 362,875 11.41 % 190,809 6.00 % 254,412 8.00 % Common Equity Tier 1 Capital (to risk weighted assets) 362,875 11.41 % 143,107 4.50 % 206,709 6.50 % Tier 1 Capital (to average assets) 362,875 8.75 % 165,941 4.00 % 207,426 5.00 % The Company Total Capital (to risk weighted assets) 403,867 12.70 % 254,392 8.00 % n/a n/a Tier 1 Capital (to risk weighted assets) 354,916 11.16 % 190,794 6.00 % n/a n/a Common Equity Tier 1 Capital (to risk weighted assets) 341,916 10.75 % 143,096 4.50 % n/a n/a Tier 1 Capital (to average assets) 354,916 8.55 % 165,963 4.00 % n/a n/a Actual For capital To be well provisions minimum (dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2023 The Bank Total Capital (to risk weighted assets) $ 390,197 12.28 % $ 254,278 8.00 % $ 317,847 10.00 % Tier 1 Capital (to risk weighted assets) 350,455 11.03 % 190,708 6.00 % 254,278 8.00 % Common Equity Tier 1 Capital (to risk weighted assets) 350,455 11.03 % 143,031 4.50 % 206,601 6.50 % Tier 1 Capital (to average assets) 350,455 8.47 % 165,414 4.00 % 206,767 5.00 % The Company Total Capital (to risk weighted assets) 399,551 12.57 % 254,278 8.00 % n/a n/a Tier 1 Capital (to risk weighted assets) 336,809 10.60 % 190,708 6.00 % n/a n/a Common Equity Tier 1 Capital (to risk weighted assets) 323,809 10.19 % 143,031 4.50 % n/a n/a Tier 1 Capital (to average assets) 336,809 8.14 % 165,436 4.00 % n/a n/a

Parent Company Financial Info_2

Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2024
Condensed Financial Information Disclosure [Abstract]
Schedule of condensed balance sheets	Schedule of condensed balance sheets December 31, (dollars in thousands) 2024 2023 Assets Cash and cash equivalents $ 3,641 9,408 Investment in subsidiaries 351,806 339,516 Other assets 149 146 Total assets $ 355,596 349,070 Liabilities and Shareholders’ Equity Accrued expenses $ 249 281 Subordinated debentures 24,903 36,322 Shareholders’ equity 330,444 312,467 Total liabilities and shareholders’ equity $ 355,596 $ 349,070
Schedule of condensed statements of income	Schedule of condensed statements of income For the years ended December 31, (dollars in thousands) 2024 2023 2022 Revenues Interest income $ 12 15 20 Total revenue 12 15 20 Expenses Interest expense 2,149 2,197 1,730 Other expenses 255 249 240 Total expenses 2,404 2,446 1,970 Income tax benefit 502 511 409 Loss before equity in undistributed net income of subsidiaries (1,890 ) (1,920 ) (1,541 ) Equity in undistributed net income of subsidiaries 17,420 15,346 30,656 Net income $ 15,530 13,426 29,115
Schedule of condensed statements of cash flows	Schedule of condensed statements of cash flows For the years ended December 31, (dollars in thousands) 2024 2023 2022 Operating activities Net income $ 15,530 13,426 29,115 Adjustments to reconcile net income to cash provided by operating activities Equity in undistributed net income of subsidiaries (17,420 ) (15,346 ) (30,656 ) Compensation expense related to stock options and restricted stock grants 2,283 1,943 2,026 Increase in other assets (3 ) (125 ) - Increase in accrued expenses 49 110 113 Net cash provided by operating activities 439 8 598 Investing activities Investment in subsidiaries, net 5,000 (5,000 ) - Net cash provided by (used for) investing activities 5,000 (5,000 ) - Financing activities Proceeds from the exercise of stock options and warrants 294 518 905 Decrease in subordinated debentures (11,500 ) - - Net cash (used) provided by financing activities (11,206 ) 518 905 Net (decrease) increase in cash and cash equivalents (5,767 ) (4,474 ) 1,503 Cash and cash equivalents, beginning of year 9,408 13,882 12,379 Cash and cash equivalents, end of year $ 3,641 9,408 13,882

Summary of Significant Accoun_3

Summary of Significant Accounting Policies and Activities (Details Narrative) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Cash and Cash Equivalents [Line Items]
Real estate loan percentage	83.50%	84.80%
Line of credit	$ 15,000,000
Unused line	15,000,000
Accrued interest receivable	576,000	$ 530,000
Accrued interest receivable related to loans	11,000,000	11,600,000
Allowance for loan losses	1,500,000
Liability for unfunded commitments	2,000,000
Net decrease to retained earnings	2,800,000
Federal Reserve Bank [Member]
Cash and Cash Equivalents [Line Items]
Cash and cash equivalents	$ 5,400,000	$ 5,100,000

Investment Securities (Details)

Investment Securities (Details) - Schedule of amortized costs and fair value of investment securities - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Marketable Securities [Line Items]
Available for sale, Amortized Cost	$ 146,648	$ 149,058
Available for sale, Fair Value	132,127	134,702
Corporate bonds [Member]
Marketable Securities [Line Items]
Available for sale, Amortized Cost	2,121	2,147
Available for sale, Gross Unrealized Gains
Available for sale, Gross Unrealized Losses	194	237
Available for sale, Fair Value	1,927	1,910
US treasuries [Member]
Marketable Securities [Line Items]
Available for sale, Amortized Cost	999	9,495
Available for sale, Gross Unrealized Gains		1
Available for sale, Gross Unrealized Losses	91	102
Available for sale, Fair Value	908	9,394
US government agencies [Member]
Marketable Securities [Line Items]
Available for sale, Amortized Cost	17,540	20,594
Available for sale, Gross Unrealized Gains	1
Available for sale, Gross Unrealized Losses	1,746	1,938
Available for sale, Fair Value	15,795	18,656
State and political subdivisions [Member]
Marketable Securities [Line Items]
Available for sale, Amortized Cost	22,387	22,642
Available for sale, Gross Unrealized Gains		11
Available for sale, Gross Unrealized Losses	3,065	2,912
Available for sale, Fair Value	19,322	19,741
Asset-backed securities [Member]
Marketable Securities [Line Items]
Available for sale, Amortized Cost	36,613	33,450
Available for sale, Gross Unrealized Gains	36	2
Available for sale, Gross Unrealized Losses	111	216
Available for sale, Fair Value	36,538	33,236
Mortgage-backed securities [Member]
Marketable Securities [Line Items]
Available for sale, Amortized Cost	66,988	60,730
Available for sale, Gross Unrealized Gains	19
Available for sale, Gross Unrealized Losses	9,370	8,965
Available for sale, Fair Value	57,637	51,765
Total Investment Securities [Member]
Marketable Securities [Line Items]
Available for sale, Amortized Cost	146,648	149,058
Available for sale, Gross Unrealized Gains	56	14
Available for sale, Gross Unrealized Losses	14,577	14,370
Available for sale, Fair Value	$ 132,127	$ 134,702

Investment Securities (Detail_2

Investment Securities (Details) - Schedule of amortized costs and fair values of investment securities available for sale by contractual maturity - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Due within one year, Amortized Cost	$ 470	$ 9,503
Due within one year, Fair Value	461	9,467
Due after one through five years, Amortized Cost	17,897	10,222
Due after one through five years, Fair Value	16,154	9,279
Due after five through ten years, Amortized Cost	29,512	32,159
Due after five through ten years, Fair Value	26,791	28,380
Due after ten years , Amortized Cost	98,769	97,174
Due after ten years ,Fair Value	88,721	87,576
Available for sale, Amortized Cost	146,648	149,058
Available for sale, Fair Value	$ 132,127	$ 134,702

Investment Securities (Detail_3

Investment Securities (Details) - Schedule of gross unrealized losses on investment securities and fair market value of related securities $ in Thousands	Dec. 31, 2024 USD ($) Investments	Dec. 31, 2023 USD ($) Investments
Corporate Bonds [Member]
Marketable Securities [Line Items]
Available for sale Securities, Less than 12 months, Number of investments | Investments | Investments
Available for sale Securities, Less than 12 months, Fair value
Available for sale Securities, Less than 12 months, Unrealized losses
Available for sale Securities, 12 months or longer, Number of investments | Investments | Investments	1	1
Available for sale Securities, 12 months or longer, Fair value	$ 1,927	$ 1,910
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 194	$ 237
Available for sale Securities, Total, Number of investments | Investments | Investments	1	1
Available for sale Securities, Total, Fair value	$ 1,927	$ 1,910
Available for sale Securities, Total, Unrealized losses	$ 194	$ 237
U S Treasures [Member]
Marketable Securities [Line Items]
Available for sale Securities, Less than 12 months, Number of investments | Investments | Investments
Available for sale Securities, Less than 12 months, Fair value
Available for sale Securities, Less than 12 months, Unrealized losses
Available for sale Securities, 12 months or longer, Number of investments | Investments | Investments	1	1
Available for sale Securities, 12 months or longer, Fair value	$ 908	$ 897
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 91	$ 102
Available for sale Securities, Total, Number of investments | Investments | Investments	1	1
Available for sale Securities, Total, Fair value	$ 908	$ 897
Available for sale Securities, Total, Unrealized losses	$ 91	$ 102
US government agencies [Member]
Marketable Securities [Line Items]
Available for sale Securities, Less than 12 months, Number of investments | Investments | Investments	1	2
Available for sale Securities, Less than 12 months, Fair value	$ 2,694	$ 7,533
Available for sale Securities, Less than 12 months, Unrealized losses	$ 1	$ 50
Available for sale Securities, 12 months or longer, Number of investments | Investments | Investments	9	10
Available for sale Securities, 12 months or longer, Fair value	$ 10,269	$ 11,123
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 1,745	$ 1,888
Available for sale Securities, Total, Number of investments | Investments | Investments	10	12
Available for sale Securities, Total, Fair value	$ 12,963	$ 18,656
Available for sale Securities, Total, Unrealized losses	$ 1,746	$ 1,938
State and political subdivisions [Member]
Marketable Securities [Line Items]
Available for sale Securities, Less than 12 months, Number of investments | Investments | Investments	3
Available for sale Securities, Less than 12 months, Fair value	$ 1,436
Available for sale Securities, Less than 12 months, Unrealized losses	$ 153
Available for sale Securities, 12 months or longer, Number of investments | Investments | Investments	30	30
Available for sale Securities, 12 months or longer, Fair value	$ 17,886	$ 18,964
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 2,912	$ 2,912
Available for sale Securities, Total, Number of investments | Investments | Investments	33	30
Available for sale Securities, Total, Fair value	$ 19,322	$ 18,964
Available for sale Securities, Total, Unrealized losses	$ 3,065	$ 2,912
Asset-backed securities [Member]
Marketable Securities [Line Items]
Available for sale Securities, Less than 12 months, Number of investments | Investments | Investments	6	8
Available for sale Securities, Less than 12 months, Fair value	$ 15,828	$ 26,746
Available for sale Securities, Less than 12 months, Unrealized losses	$ 83	$ 145
Available for sale Securities, 12 months or longer, Number of investments | Investments | Investments	5	7
Available for sale Securities, 12 months or longer, Fair value	$ 5,344	$ 4,866
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 28	$ 71
Available for sale Securities, Total, Number of investments | Investments | Investments	11	15
Available for sale Securities, Total, Fair value	$ 21,172	$ 31,612
Available for sale Securities, Total, Unrealized losses	$ 111	$ 216
Mortgage-backed securities [Member]
Marketable Securities [Line Items]
Available for sale Securities, Less than 12 months, Number of investments | Investments | Investments	6	2
Available for sale Securities, Less than 12 months, Fair value	$ 8,226	$ 2,869
Available for sale Securities, Less than 12 months, Unrealized losses	$ 409	$ 36
Available for sale Securities, 12 months or longer, Number of investments | Investments | Investments	61	62
Available for sale Securities, 12 months or longer, Fair value	$ 45,360	$ 48,896
Available for sale Securities, 12 months or Longer, Unrealized losses	$ 8,961	$ 8,929
Available for sale Securities, Total, Number of investments | Investments | Investments	67	64
Available for sale Securities, Total, Fair value	$ 53,586	$ 51,765
Available for sale Securities, Total, Unrealized losses	$ 9,370	$ 8,965
Securities Investment [Member]
Marketable Securities [Line Items]
Available for sale Securities, Less than 12 months, Number of investments | Investments | Investments	16	12
Available for sale Securities, Less than 12 months, Fair value	$ 28,184	$ 37,148
Available for sale Securities, Less than 12 months, Unrealized losses	$ 646	$ 231
Available for sale Securities, 12 months or longer, Number of investments | Investments | Investments	107	111
Available for sale Securities, 12 months or longer, Fair value	$ 81,694	$ 86,656
Available for sale Securities, 12 months or Longer, Unrealized losses	13,931	14,139
Available for sale Securities, Total, Fair value	109,878	123,804
Available for sale Securities, Total, Unrealized losses	$ 14,577	$ 14,370
Available for sale Securities, Total, Number of investments | Investments | Investments	123	123

Investment Securities (Detail_4

Investment Securities (Details) - Schedule of other investments - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Federal Home Loan Bank stock	$ 14,516	$ 16,063
Other nonmarketable investments	4,571	3,473
Investment in Trust Preferred subsidiaries	403	403
Total other investments	$ 19,490	$ 19,939

Investment Securities (Details

Investment Securities (Details Narrative)	12 Months Ended
	Dec. 31, 2024 USD ($) Investments	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Investments, Debt and Equity Securities [Abstract]
Sale of investment securities	$ 10,600,000	$ 16,500,000	$ 12,600,000
Gross gain on sale of investment securities			83,000
Gross loss on sale of investments			$ 71,000
Number of investments | Investments	123

Mortgage Loans Held for Sale (D

Mortgage Loans Held for Sale (Details Narrative) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Mortgage Loans Held For Sale
Mortgage loans held for sale, fair value	$ 4,600	$ 7,200

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses (Details) - Schedule of composition of our loan portfolio - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Commercial
Total loans	$ 3,631,767	$ 3,602,627
Total loans percentage	100%	100%
Less - allowance for credit losses	$ (39,914)	$ (40,682)
Total loans, net	3,591,853	3,561,945
Commercial [Member]
Commercial
Total loans	$ 2,235,285	$ 2,225,027
Total loans percentage	61.50%	61.80%
Commercial [Member] | Construction [Member]
Commercial
Total loans	$ 103,204	$ 150,680
Total loans percentage	2.80%	4.20%
Commercial [Member] | Business [Member]
Commercial
Total loans	$ 556,117	$ 500,161
Total loans percentage	15.30%	13.90%
Commercial [Member] | Owner occupied RE [Member]
Commercial
Total loans	$ 651,597	$ 631,657
Total loans percentage	17.90%	17.50%
Commercial [Member] | Non-owner occupied RE [Member]
Commercial
Total loans	$ 924,367	$ 942,529
Total loans percentage	25.50%	26.20%
Consumer [Member]
Commercial
Total loans	$ 1,396,482	$ 1,377,600
Total loans percentage	38.50%	38.20%
Consumer [Member] | Construction [Member]
Commercial
Total loans	$ 20,874	$ 63,348
Total loans percentage	0.60%	1.70%
Consumer [Member] | Real estate [Member]
Commercial
Total loans	$ 1,128,629	$ 1,082,429
Total loans percentage	31.10%	30%
Consumer [Member] | Home equity [Member]
Commercial
Total loans	$ 204,897	$ 183,004
Total loans percentage	5.60%	5.10%
Consumer [Member] | Other [Member]
Commercial
Total loans	$ 42,082	$ 48,819
Total loans percentage	1.20%	1.40%

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses (Details) - Schedule of composition of gross loans by rate type - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Receivables [Abstract]
Floating rate loans	$ 697,897	$ 574,352
Fixed rate loans	2,933,870	3,028,275
Total loans	$ 3,631,767	$ 3,602,627

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses (Details) - Schedule of classified by credit quality indicators by year of origination - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	$ 272,703	$ 365,276
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	345,047	1,049,553
Loan balance classified by credit quality indicators, two years before latest fiscal year	992,601	695,294
Loan balance classified by credit quality indicators, three years before latest fiscal year	620,632	404,783
Loan balance classified by credit quality indicators, four years before latest fiscal year	362,685	234,517
Prior	594,934	467,546
Revolving	441,309	383,458
Revolving Converted to Term	1,856	2,200
Total	3,631,767	3,602,627
Current period gross write-offs 2024
Current period gross write-offs 2023
Current period gross write-offs 2022		(200)
Current period gross write-offs 2021	(143)
Current period gross write-offs 2020	(347)	(28)
Current period gross write-offs Prior	(1,085)	(42)
Current period gross write-offs Revolving	(159)	(469)
Current period gross write-offs Revolving Converted to Term		(22)
Current period gross write-offs Total	(1,734)	(761)
Current period gross write-offs 2019
Commercial [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	182,081	204,805
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	191,539	725,005
Loan balance classified by credit quality indicators, two years before latest fiscal year	689,752	394,734
Loan balance classified by credit quality indicators, three years before latest fiscal year	343,229	220,906
Loan balance classified by credit quality indicators, four years before latest fiscal year	193,677	163,000
Prior	427,039	350,578
Revolving	206,112	163,799
Revolving Converted to Term	1,856	2,200
Total	2,235,285	2,225,027
Commercial [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	24,076	27,262
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	28,921	87,560
Loan balance classified by credit quality indicators, two years before latest fiscal year	35,207	24,399
Loan balance classified by credit quality indicators, three years before latest fiscal year	15,000	11,459
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior
Revolving
Revolving Converted to Term
Total	103,204	150,680
Commercial [Member] | Business [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	55,502	49,073
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	41,970	151,827
Loan balance classified by credit quality indicators, two years before latest fiscal year	135,608	50,643
Loan balance classified by credit quality indicators, three years before latest fiscal year	40,486	20,735
Loan balance classified by credit quality indicators, four years before latest fiscal year	17,589	18,450
Prior	57,972	52,934
Revolving	205,592	154,465
Revolving Converted to Term	1,398	2,034
Total	556,117	500,161
Current period gross write-offs 2024
Current period gross write-offs 2023
Current period gross write-offs 2022
Current period gross write-offs 2021	(143)
Current period gross write-offs 2020	(347)	(28)
Current period gross write-offs Prior	(18)
Current period gross write-offs Revolving	(72)	(15)
Current period gross write-offs Revolving Converted to Term		(22)
Current period gross write-offs Total	(580)	(65)
Current period gross write-offs 2019
Commercial [Member] | Pass [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	24,076	27,262
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	26,501	86,161
Loan balance classified by credit quality indicators, two years before latest fiscal year	34,067	24,399
Loan balance classified by credit quality indicators, three years before latest fiscal year	15,000	11,459
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior
Revolving
Revolving Converted to Term
Total	99,644	149,281
Commercial [Member] | Pass [Member] | Business [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	54,814	48,705
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	41,743	134,999
Loan balance classified by credit quality indicators, two years before latest fiscal year	129,450	48,557
Loan balance classified by credit quality indicators, three years before latest fiscal year	38,312	18,868
Loan balance classified by credit quality indicators, four years before latest fiscal year	15,716	17,292
Prior	51,566	47,708
Revolving	196,246	146,745
Revolving Converted to Term	803	1,431
Total	528,650	464,305
Commercial [Member] | Watch [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	2,420	1,399
Loan balance classified by credit quality indicators, two years before latest fiscal year	1,140
Loan balance classified by credit quality indicators, three years before latest fiscal year
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior
Revolving
Revolving Converted to Term
Total	3,560	1,399
Commercial [Member] | Watch [Member] | Business [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year		127
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	132	15,867
Loan balance classified by credit quality indicators, two years before latest fiscal year	5,353	1,833
Loan balance classified by credit quality indicators, three years before latest fiscal year	2,174	1,010
Loan balance classified by credit quality indicators, four years before latest fiscal year	1,423	842
Prior	5,243	3,584
Revolving	8,776	7,570
Revolving Converted to Term	389	506
Total	23,490	31,339
Commercial [Member] | Special Mention [Member] | Business [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	660	241
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	95	961
Loan balance classified by credit quality indicators, two years before latest fiscal year	805	98
Loan balance classified by credit quality indicators, three years before latest fiscal year		857
Loan balance classified by credit quality indicators, four years before latest fiscal year	65	184
Prior	533	447
Revolving		150
Revolving Converted to Term	206	97
Total	2,364	3,035
Commercial [Member] | Substandard [Member] | Business [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	28
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year
Loan balance classified by credit quality indicators, two years before latest fiscal year		155
Loan balance classified by credit quality indicators, three years before latest fiscal year
Loan balance classified by credit quality indicators, four years before latest fiscal year	385	132
Prior	630	1,195
Revolving	570
Revolving Converted to Term
Total	1,613	1,482
Commercial [Member] | Owner occupied RE [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	51,818	42,846
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	49,177	184,295
Loan balance classified by credit quality indicators, two years before latest fiscal year	190,161	139,009
Loan balance classified by credit quality indicators, three years before latest fiscal year	124,268	80,815
Loan balance classified by credit quality indicators, four years before latest fiscal year	75,389	63,405
Prior	160,386	121,036
Revolving	160	85
Revolving Converted to Term	238	166
Total	651,597	631,657
Commercial [Member] | Owner occupied RE [Member] | Pass [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	51,338	42,846
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	47,997	180,654
Loan balance classified by credit quality indicators, two years before latest fiscal year	186,361	138,549
Loan balance classified by credit quality indicators, three years before latest fiscal year	122,306	64,818
Loan balance classified by credit quality indicators, four years before latest fiscal year	66,561	59,880
Prior	145,743	110,502
Revolving	160	85
Revolving Converted to Term	238	166
Total	620,704	597,500
Commercial [Member] | Owner occupied RE [Member] | Watch [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	480
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	1,180	3,460
Loan balance classified by credit quality indicators, two years before latest fiscal year	3,638	460
Loan balance classified by credit quality indicators, three years before latest fiscal year	1,962	15,997
Loan balance classified by credit quality indicators, four years before latest fiscal year	8,828	3,525
Prior	11,012	6,616
Revolving
Revolving Converted to Term
Total	27,100	30,058
Commercial [Member] | Owner occupied RE [Member] | Special Mention [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year		181
Loan balance classified by credit quality indicators, two years before latest fiscal year	162
Loan balance classified by credit quality indicators, three years before latest fiscal year
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior	2,840	3,057
Revolving
Revolving Converted to Term
Total	3,002	3,238
Commercial [Member] | Owner occupied RE [Member] | Substandard [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year
Loan balance classified by credit quality indicators, two years before latest fiscal year
Loan balance classified by credit quality indicators, three years before latest fiscal year
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior	791	861
Revolving
Revolving Converted to Term
Total	791	861
Commercial [Member] | Non-owner occupied RE [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	50,685	85,624
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	71,471	301,323
Loan balance classified by credit quality indicators, two years before latest fiscal year	328,776	180,683
Loan balance classified by credit quality indicators, three years before latest fiscal year	163,475	107,897
Loan balance classified by credit quality indicators, four years before latest fiscal year	100,699	81,145
Prior	208,681	176,608
Revolving	360	9,249
Revolving Converted to Term	220
Total	924,367	942,529
Current period gross write-offs 2024
Current period gross write-offs 2023
Current period gross write-offs 2022		(200)
Current period gross write-offs 2021
Current period gross write-offs 2020
Current period gross write-offs Prior	(1,029)	(42)
Current period gross write-offs Revolving
Current period gross write-offs Revolving Converted to Term
Current period gross write-offs Total	(1,029)	(242)
Current period gross write-offs 2019
Commercial [Member] | Non-owner occupied RE [Member] | Pass [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	50,685	84,617
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	70,517	298,063
Loan balance classified by credit quality indicators, two years before latest fiscal year	321,726	162,697
Loan balance classified by credit quality indicators, three years before latest fiscal year	145,658	107,364
Loan balance classified by credit quality indicators, four years before latest fiscal year	95,994	59,260
Prior	183,723	163,990
Revolving	360	9,249
Revolving Converted to Term	220
Total	868,883	885,240
Commercial [Member] | Non-owner occupied RE [Member] | Watch [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year		1,007
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	954	3,260
Loan balance classified by credit quality indicators, two years before latest fiscal year	6,081	9,914
Loan balance classified by credit quality indicators, three years before latest fiscal year	10,238	533
Loan balance classified by credit quality indicators, four years before latest fiscal year	4,705	5,545
Prior	8,435	10,630
Revolving
Revolving Converted to Term
Total	30,413	30,889
Commercial [Member] | Non-owner occupied RE [Member] | Special Mention [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year
Loan balance classified by credit quality indicators, two years before latest fiscal year		7,759
Loan balance classified by credit quality indicators, three years before latest fiscal year	7,579
Loan balance classified by credit quality indicators, four years before latest fiscal year		8,252
Prior	8,882	879
Revolving
Revolving Converted to Term
Total	16,461	16,890
Commercial [Member] | Non-owner occupied RE [Member] | Substandard [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year
Loan balance classified by credit quality indicators, two years before latest fiscal year	969	313
Loan balance classified by credit quality indicators, three years before latest fiscal year
Loan balance classified by credit quality indicators, four years before latest fiscal year		8,088
Prior	7,641	1,109
Revolving
Revolving Converted to Term
Total	8,610	9,510
Consumer [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	90,622	160,471
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	153,508	324,548
Loan balance classified by credit quality indicators, two years before latest fiscal year	302,849	300,560
Loan balance classified by credit quality indicators, three years before latest fiscal year	277,403	183,877
Loan balance classified by credit quality indicators, four years before latest fiscal year	169,008	71,517
Prior	167,895	116,968
Revolving	235,197	219,659
Revolving Converted to Term
Total	1,396,482	1,377,600
Consumer [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	7,700	14,339
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	3,636	39,893
Loan balance classified by credit quality indicators, two years before latest fiscal year	9,222	9,116
Loan balance classified by credit quality indicators, three years before latest fiscal year	316
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior
Revolving
Revolving Converted to Term
Total	20,874	63,348
Consumer [Member] | Real estate [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	79,987	144,812
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	148,940	281,742
Loan balance classified by credit quality indicators, two years before latest fiscal year	291,769	288,660
Loan balance classified by credit quality indicators, three years before latest fiscal year	275,062	182,420
Loan balance classified by credit quality indicators, four years before latest fiscal year	167,779	70,676
Prior	165,092	114,119
Revolving
Revolving Converted to Term
Total	1,128,629	1,082,429
Consumer [Member] | Home equity [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year
Loan balance classified by credit quality indicators, two years before latest fiscal year
Loan balance classified by credit quality indicators, three years before latest fiscal year
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior
Revolving	204,897	183,004
Revolving Converted to Term
Total	204,897	183,004
Current period gross write-offs 2024
Current period gross write-offs 2023
Current period gross write-offs 2022
Current period gross write-offs 2021
Current period gross write-offs 2020
Current period gross write-offs Prior
Current period gross write-offs Revolving	(45)	(438)
Current period gross write-offs Revolving Converted to Term
Current period gross write-offs Total	(45)	(438)
Current period gross write-offs 2019
Consumer [Member] | Other [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	2,935	1,320
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	932	2,913
Loan balance classified by credit quality indicators, two years before latest fiscal year	1,858	2,784
Loan balance classified by credit quality indicators, three years before latest fiscal year	2,025	1,457
Loan balance classified by credit quality indicators, four years before latest fiscal year	1,229	841
Prior	2,803	2,849
Revolving	30,300	36,655
Revolving Converted to Term
Total	42,082	48,819
Current period gross write-offs 2024
Current period gross write-offs 2023
Current period gross write-offs 2022
Current period gross write-offs 2021
Current period gross write-offs 2020
Current period gross write-offs Prior	(38)
Current period gross write-offs Revolving	(42)	(16)
Current period gross write-offs Revolving Converted to Term
Current period gross write-offs Total	(80)	(16)
Current period gross write-offs 2019
Consumer [Member] | Pass [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	7,700	14,339
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	3,636	39,893
Loan balance classified by credit quality indicators, two years before latest fiscal year	9,222	9,116
Loan balance classified by credit quality indicators, three years before latest fiscal year	316
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior
Revolving
Revolving Converted to Term
Total	20,874	63,348
Consumer [Member] | Pass [Member] | Real estate [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	78,287	144,179
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	144,487	273,585
Loan balance classified by credit quality indicators, two years before latest fiscal year	277,854	278,138
Loan balance classified by credit quality indicators, three years before latest fiscal year	263,079	176,395
Loan balance classified by credit quality indicators, four years before latest fiscal year	160,007	66,087
Prior	153,584	105,383
Revolving
Revolving Converted to Term
Total	1,077,298	1,043,767
Consumer [Member] | Pass [Member] | Home equity [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year
Loan balance classified by credit quality indicators, two years before latest fiscal year
Loan balance classified by credit quality indicators, three years before latest fiscal year
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior
Revolving	188,451	171,003
Revolving Converted to Term
Total	188,451	171,003
Consumer [Member] | Pass [Member] | Other [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	2,732	1,278
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	836	2,551
Loan balance classified by credit quality indicators, two years before latest fiscal year	1,521	2,361
Loan balance classified by credit quality indicators, three years before latest fiscal year	1,593	1,457
Loan balance classified by credit quality indicators, four years before latest fiscal year	1,229	803
Prior	2,609	2,604
Revolving	29,660	36,549
Revolving Converted to Term
Total	40,180	47,603
Consumer [Member] | Watch [Member] | Real estate [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	671	490
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	2,409	5,658
Loan balance classified by credit quality indicators, two years before latest fiscal year	6,961	8,230
Loan balance classified by credit quality indicators, three years before latest fiscal year	8,573	3,917
Loan balance classified by credit quality indicators, four years before latest fiscal year	4,147	2,051
Prior	4,632	3,890
Revolving
Revolving Converted to Term
Total	27,393	24,236
Consumer [Member] | Watch [Member] | Home equity [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year
Loan balance classified by credit quality indicators, two years before latest fiscal year
Loan balance classified by credit quality indicators, three years before latest fiscal year
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior
Revolving	9,114	6,393
Revolving Converted to Term
Total	9,114	6,393
Consumer [Member] | Watch [Member] | Other [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	167	9
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	61	29
Loan balance classified by credit quality indicators, two years before latest fiscal year	12	348
Loan balance classified by credit quality indicators, three years before latest fiscal year	366
Loan balance classified by credit quality indicators, four years before latest fiscal year		15
Prior	129	163
Revolving	595	58
Revolving Converted to Term
Total	1,330	622
Consumer [Member] | Special Mention [Member] | Real estate [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	817	143
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	1,536	2,499
Loan balance classified by credit quality indicators, two years before latest fiscal year	5,987	1,657
Loan balance classified by credit quality indicators, three years before latest fiscal year	2,664	1,291
Loan balance classified by credit quality indicators, four years before latest fiscal year	2,804	2,220
Prior	5,181	3,360
Revolving
Revolving Converted to Term
Total	18,989	11,170
Consumer [Member] | Special Mention [Member] | Home equity [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year
Loan balance classified by credit quality indicators, two years before latest fiscal year
Loan balance classified by credit quality indicators, three years before latest fiscal year
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior
Revolving	6,173	4,283
Revolving Converted to Term
Total	6,173	4,283
Consumer [Member] | Special Mention [Member] | Other [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	36	33
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	35	333
Loan balance classified by credit quality indicators, two years before latest fiscal year	325
Loan balance classified by credit quality indicators, three years before latest fiscal year	66
Loan balance classified by credit quality indicators, four years before latest fiscal year		23
Prior	65	82
Revolving	45	41
Revolving Converted to Term
Total	572	512
Consumer [Member] | Substandard [Member] | Real estate [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year	212
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year	508
Loan balance classified by credit quality indicators, two years before latest fiscal year	967	635
Loan balance classified by credit quality indicators, three years before latest fiscal year	746	817
Loan balance classified by credit quality indicators, four years before latest fiscal year	821	318
Prior	1,695	1,486
Revolving
Revolving Converted to Term
Total	4,949	3,256
Consumer [Member] | Substandard [Member] | Home equity [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year
Loan balance classified by credit quality indicators, two years before latest fiscal year
Loan balance classified by credit quality indicators, three years before latest fiscal year
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior
Revolving	1,159	1,325
Revolving Converted to Term
Total	$ 1,159	1,325
Consumer [Member] | Substandard [Member] | Other [Member]
Financing Receivable, Past Due [Line Items]
Loan balance classified by credit quality indicators, current fiscal year
Loan balance classified by credit quality indicators, fiscal year before latest fiscal year
Loan balance classified by credit quality indicators, two years before latest fiscal year		75
Loan balance classified by credit quality indicators, three years before latest fiscal year
Loan balance classified by credit quality indicators, four years before latest fiscal year
Prior
Revolving		7
Revolving Converted to Term
Total		$ 82

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses (Details) - Schedule of loan balances by age payment status - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	$ 3,631,767	$ 3,602,627
Accruing 30-59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	5,491	11,119
Accruing 60-89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	938	55
Accruing 90 Days or More Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Accruing Current [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	3,614,461	3,587,490
Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	10,877	3,963
Commercial [Member] | Owner occupied RE [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	651,597	631,657
Commercial [Member] | Owner occupied RE [Member] | Accruing 30-59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	292	74
Commercial [Member] | Owner occupied RE [Member] | Accruing 60-89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Commercial [Member] | Owner occupied RE [Member] | Accruing 90 Days or More Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Commercial [Member] | Owner occupied RE [Member] | Accruing Current [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	651,305	631,583
Commercial [Member] | Owner occupied RE [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Commercial [Member] | Non-owner occupied RE [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	924,367	942,529
Commercial [Member] | Non-owner occupied RE [Member] | Accruing 30-59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment		8,102
Commercial [Member] | Non-owner occupied RE [Member] | Accruing 60-89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Commercial [Member] | Non-owner occupied RE [Member] | Accruing 90 Days or More Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Commercial [Member] | Non-owner occupied RE [Member] | Accruing Current [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	916,726	933,004
Commercial [Member] | Non-owner occupied RE [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	7,641	1,423
Commercial [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	103,204	150,680
Commercial [Member] | Construction [Member] | Accruing 30-59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Commercial [Member] | Construction [Member] | Accruing 60-89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Commercial [Member] | Construction [Member] | Accruing 90 Days or More Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Commercial [Member] | Construction [Member] | Accruing Current [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	103,204	150,680
Commercial [Member] | Construction [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Commercial [Member] | Business [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	556,117	500,161
Commercial [Member] | Business [Member] | Accruing 30-59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	1,319	567
Commercial [Member] | Business [Member] | Accruing 60-89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Commercial [Member] | Business [Member] | Accruing 90 Days or More Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Commercial [Member] | Business [Member] | Accruing Current [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	553,782	499,275
Commercial [Member] | Business [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	1,016	319
Consumer [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	20,874	63,348
Consumer [Member] | Construction [Member] | Accruing 30-59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Consumer [Member] | Construction [Member] | Accruing 60-89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Consumer [Member] | Construction [Member] | Accruing 90 Days or More Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Consumer [Member] | Construction [Member] | Accruing Current [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	20,874	63,348
Consumer [Member] | Construction [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Consumer [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	1,128,629	1,082,429
Consumer [Member] | Real Estate [Member] | Accruing 30-59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	3,839	1,750
Consumer [Member] | Real Estate [Member] | Accruing 60-89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	938
Consumer [Member] | Real Estate [Member] | Accruing 90 Days or More Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Consumer [Member] | Real Estate [Member] | Accruing Current [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	1,121,944	1,079,694
Consumer [Member] | Real Estate [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	1,908	985
Consumer [Member] | Home Equity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	204,897	183,004
Consumer [Member] | Home Equity [Member] | Accruing 30-59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	41	601
Consumer [Member] | Home Equity [Member] | Accruing 60-89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment		30
Consumer [Member] | Home Equity [Member] | Accruing 90 Days or More Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Consumer [Member] | Home Equity [Member] | Accruing Current [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	204,544	181,137
Consumer [Member] | Home Equity [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	312	1,236
Consumer [Member] | Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	42,082	48,819
Consumer [Member] | Other [Member] | Accruing 30-59 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment		25
Consumer [Member] | Other [Member] | Accruing 60-89 Days Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment		25
Consumer [Member] | Other [Member] | Accruing 90 Days or More Past Due [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment
Consumer [Member] | Other [Member] | Accruing Current [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment	42,082	48,769
Consumer [Member] | Other [Member] | Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loan balances by payment

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses (Details) - Schedule of nonperforming assets, including nonaccruing TDRs - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Receivables [Abstract]
Nonaccrual loans	$ 10,877	$ 3,963
Other real estate owned
Total nonperforming assets	$ 10,877	$ 3,963
Nonperforming assets as a percentage of:
Total assets	0.27%	0.10%
Gross loans	0.30%	0.11%
Total loans over 90 days past due	$ 2,641	$ 1,300
Loans over 90 days past due and still accruing

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses (Details) - Schedule of nonaccrual loans by major categories - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 3,631,767	$ 3,602,627
Nonaccrual Loans With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	7,682	1,160
Nonaccrual Loans With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	3,195	2,803
Total Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total nonaccrual loans	10,877	3,963
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	2,235,285	2,225,027
Commercial [Member] | Nonaccrual Loans With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	5,844	817
Commercial [Member] | Nonaccrual Loans With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	2,813	925
Commercial [Member] | Total Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	8,657	1,742
Commercial [Member] | Non-owner occupied RE [Member] | Nonaccrual Loans With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	5,844	653
Commercial [Member] | Non-owner occupied RE [Member] | Nonaccrual Loans With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,797	770
Commercial [Member] | Non-owner occupied RE [Member] | Total Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	7,641	1,423
Commercial [Member] | Business [Member] | Nonaccrual Loans With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans		164
Commercial [Member] | Business [Member] | Nonaccrual Loans With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,016	155
Commercial [Member] | Business [Member] | Total Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,016	319
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,396,482	1,377,600
Consumer [Member] | Nonaccrual Loans With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,838	343
Consumer [Member] | Nonaccrual Loans With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	382	1,878
Consumer [Member] | Total Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	2,220	2,221
Consumer [Member] | Real Estate [Member] | Nonaccrual Loans With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,526
Consumer [Member] | Real Estate [Member] | Nonaccrual Loans With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	382	985
Consumer [Member] | Real Estate [Member] | Total Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	1,908	985
Consumer [Member] | Home Equity [Member] | Nonaccrual Loans With No Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	312	343
Consumer [Member] | Home Equity [Member] | Nonaccrual Loans With An Allowance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans		893
Consumer [Member] | Home Equity [Member] | Total Nonaccrual Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans	$ 312	$ 1,236

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses (Details) - Schedule of activity related to the allowance for credit losses - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance, beginning of period	$ 40,682
Provision for credit losses	125	$ 1,260	$ 6,155
Balance, end of period	39,914	40,682
Commercial [Member] | Owner occupied RE [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance, beginning of period	6,118	5,867	4,700
Provision for credit losses	(636)	251	1,480
Loan charge-offs
Loan recoveries
Net loan recoveries (charge-offs)
Balance, end of period	5,482	6,118	5,867
Adjustment for CECL			(313)
Commercial [Member] | Non-owner occupied RE [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance, beginning of period	11,167	10,376	10,518
Provision for credit losses	81	848	(2,015)
Loan charge-offs	(1,029)	(242)
Loan recoveries		185	1,540
Net loan recoveries (charge-offs)	(1,029)	(57)	1,540
Balance, end of period	10,219	11,167	10,376
Adjustment for CECL			333
Commercial [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance, beginning of period	1,594	1,292	625
Provision for credit losses	(654)	302	513
Loan charge-offs
Loan recoveries
Net loan recoveries (charge-offs)
Balance, end of period	940	1,594	1,292
Adjustment for CECL			154
Commercial [Member] | Business [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance, beginning of period	7,385	7,861	4,887
Provision for credit losses	828	(755)	1,764
Loan charge-offs	(580)	(65)	(55)
Loan recoveries	112	344	208
Net loan recoveries (charge-offs)	(468)	279	153
Balance, end of period	7,745	7,385	7,861
Adjustment for CECL			1,057
Consumer [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance, beginning of period	677	893	578
Provision for credit losses	(562)	(216)	185
Loan charge-offs
Loan recoveries
Net loan recoveries (charge-offs)
Balance, end of period	115	677	893
Adjustment for CECL			130
Consumer [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance, beginning of period	10,647	9,487	7,083
Provision for credit losses	1,712	1,160	2,698
Loan charge-offs
Loan recoveries
Net loan recoveries (charge-offs)
Balance, end of period	12,359	10,647	9,487
Adjustment for CECL			(294)
Consumer [Member] | Home Equity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance, beginning of period	2,600	2,551	1,697
Provision for credit losses	(155)	422	663
Loan charge-offs	(45)	(438)	(339)
Loan recoveries	255	65	92
Net loan recoveries (charge-offs)	210	(373)	(247)
Balance, end of period	2,655	2,600	2,551
Adjustment for CECL			438
Consumer [Member] | Other [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance, beginning of period	494	312	320
Provision for credit losses	(114)	197	87
Loan charge-offs	(80)	(16)	(91)
Loan recoveries	99	1	1
Net loan recoveries (charge-offs)	19	(15)	(90)
Balance, end of period	399	494	312
Adjustment for CECL			(5)
Commercial & Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance, beginning of period	40,682	38,639	30,408
Provision for credit losses	500	2,209	5,375
Loan charge-offs	(1,734)	(761)	(485)
Loan recoveries	466	595	1,841
Net loan recoveries (charge-offs)	(1,268)	(166)	1,356
Balance, end of period	$ 39,914	$ 40,682	$ 38,639
Net recoveries to average loans (annualized)	0.04%	0%	(0.05%)
Allowance for credit losses to gross loans	1.10%	1.13%	1.18%
Allowance for credit losses to nonperforming loans	366.94%	1,026.55%	1,470.84%
Adjustment for CECL			$ 1,500

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses (Details) - Schedule of analysis of collateral-dependent loans - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate	$ 10,321	$ 1,393
Business assets	556
Other
Total	10,877	1,393
Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate	8,101	884
Business assets	556
Other
Total	8,657	884
Commercial [Member] | Business [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate	460	164
Business assets	556
Other
Total	1,016	164
Commercial [Member] | Non-owner occupied RE [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate	7,641	720
Business assets
Other
Total	7,641	720
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate	2,220	509
Business assets
Other
Total	2,220	509
Consumer [Member] | Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate	1,908	166
Business assets
Other
Total	1,908	166
Consumer [Member] | Home equity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate	312	343
Business assets
Other
Total	$ 312	$ 343

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses (Details) - Schedule of allowance for credit losses for unfunded loan commitments - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Balance, beginning of period	$ 40,682
Balance, end of period	39,914	$ 40,682
Allowance For Credit Losses Unfunded Loan Commitments [Member]
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Balance, beginning of period	1,831	2,780
Adjustment for adoption of CECL			2,000
Provision for (reversal of) credit losses	(375)	(949)	780
Balance, end of period	1,456	1,831	2,780
Unfunded Loan Commitments	$ 719,084	$ 724,606	$ 878,324
Reserve for Unfunded Commitments to Unfunded Loan Commitments	0.20%	0.25%	0.32%

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses (Details Narrative) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Real estate loan percentage of total loans	83.50%
Commercial loans percentage	55.40%
Consumer loans percentage	44.60%
Owner occupied loans percentage	17.90%
Net of deferred loan fees and costs	$ 6,200,000	$ 7,000,000
Mortgage loans	$ 1,290,000,000
Part of loans of 30 days or more past due as a percentage of total loan portfolio	0.25%	0.37%
Foregone interest income on non accrual loans	$ 200,000	$ 73,000
Interest income on nonaccrual loans	0	0
Accrued interest reversed	113,000	71,000
Provision for credit losses	500,000	2,200,000
Primarily loan growth	29,100,000	329,300,000
Allowance for credit losses for unfunded loan commitments	$ 1,500,000	$ 1,800,000
Commercial [Member]
Debt Instrument [Line Items]
Part of loans of 30 days or more past due as a percentage of total loan portfolio	0.07%	0.27%
Consumer [Member]
Debt Instrument [Line Items]
Part of loans of 30 days or more past due as a percentage of total loan portfolio	0.18%	0.09%
Non-Owner Occupied Loans [Member]
Debt Instrument [Line Items]
Commercial loans percentage	25.50%
Commercial Construction Loans [Member]
Debt Instrument [Line Items]
Commercial loans percentage	2.80%

Property and Equipment (Details

Property and Equipment (Details) - Schedule of components of property and equipment - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Line Items]
Property and equipment, excluding ROU assets	$ 68,187	$ 72,131
ROU assets	20,607	22,170
Total property and equipment	88,794	94,301
Land [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, excluding ROU assets	11,244	11,244
Buildings [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, excluding ROU assets	54,932	54,630
Leasehold improvements [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, excluding ROU assets	5,789	5,762
Furniture and equipment [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, excluding ROU assets	22,304	21,863
Software [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, excluding ROU assets	409	409
Construction in process [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, excluding ROU assets	56	130
Accumulated depreciation and amortization [Member]
Property, Plant and Equipment [Line Items]
Accumulated depreciation and amortization	$ (26,547)	$ (21,907)

Property and Equipment (Detai_2

Property and Equipment (Details) - Schedule of estimated useful lives of property and equipment	Dec. 31, 2024
Software [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, estimated useful life (in years)	3 years
Furniture and equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, estimated useful life (in years)	5 years
Furniture and equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, estimated useful life (in years)	7 years
Leasehold improvements [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, estimated useful life (in years)	5 years
Leasehold improvements [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, estimated useful life (in years)	15 years
Buildings [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, estimated useful life (in years)	40 years

Property and Equipment (Detai_3

Property and Equipment (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Depreciation and amortization expense	$ 4,700	$ 4,700

Leases (Details) - Schedule of

Leases (Details) - Schedule of operating lease payment due $ in Thousands	Dec. 31, 2024 USD ($)
Leases
2025	$ 2,157
2026	2,210
2027	2,267
2028	2,015
2029	1,501
Thereafter	18,686
Total undiscounted lease payments	28,836
Discount effect of cash flows	5,610
Total lease liability	$ 23,226

Leases (Details Narrative)

Leases (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Leases
Property and equipment	$ 20,600	$ 22,200
Other liabilities	$ 23,200	$ 24,600
Weighted average remaining life of the lease term	4 years 11 months 12 days	5 years 10 months 28 days
Weighted average discount rate	2.28%	2.94%
Operating lease costs	$ 2,400	$ 2,400

Deposits (Details) - Schedule o

Deposits (Details) - Schedule of detail in deposit accounts - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deposits [Abstract]
Noninterest bearing	$ 683,081	$ 674,167
Interest bearing:
NOW accounts	314,588	310,218
Money market accounts	1,438,530	1,605,278
Savings	31,976	31,669
Time deposits	967,590	758,232
Total deposits	$ 3,435,765	$ 3,379,564

Deposits (Details) - Schedule_2

Deposits (Details) - Schedule of maturities of deposit - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deposits [Abstract]
2025	$ 741,679
2026	113,327
2027	29,416
2028	81,005
2029	2,163
Total time deposits	$ 967,590	$ 758,232

Deposits (Details Narrative)

Deposits (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Deposits [Abstract]
Time deposits greater than $250,000	$ 774,000	$ 568,100
Time deposits obtained outside of primary market	550,300	379,400
Interest expense on time deposits greater than $250,000	$ 34,800	$ 22,500	$ 3,200

Federal Home Loan Bank Advanc_3

Federal Home Loan Bank Advances and Other Borrowings (Details) - Schedule of terms and maturities of advances outstanding - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Variable Interest Entity [Line Items]
Total FHLB advances outstanding amount	$ 240,000	$ 275,000
Total FHLB advances outstanding rate	3.74%	3.89%
Federal Home Loan Bank Advances [Member]
Variable Interest Entity [Line Items]
Maturity	Feb. 29, 2024
Total FHLB advances outstanding amount		$ 35,000
Total FHLB advances outstanding rate		5.57%
Federal Home Loan Bank Advances One [Member]
Variable Interest Entity [Line Items]
Maturity	Apr. 28, 2028
Total FHLB advances outstanding amount	$ 40,000	$ 40,000
Total FHLB advances outstanding rate	3.51%	3.51%
Federal Home Loan Bank Advances Two [Member]
Variable Interest Entity [Line Items]
Maturity	May 15, 2028
Total FHLB advances outstanding amount		$ 35,000
Total FHLB advances outstanding rate		3.13%
Federal Home Loan Bank Advances Three [Member]
Variable Interest Entity [Line Items]
Maturity	Jun. 28, 2028
Total FHLB advances outstanding amount	$ 40,000	$ 40,000
Total FHLB advances outstanding rate	3.54%	3.54%
Federal Home Loan Bank Advances Four [Member]
Variable Interest Entity [Line Items]
Maturity	Jul. 10, 2028
Total FHLB advances outstanding amount		$ 45,000
Total FHLB advances outstanding rate		3.78%
Federal Home Loan Bank Advances Five [Member]
Variable Interest Entity [Line Items]
Maturity	Jul. 10, 2028
Total FHLB advances outstanding amount	$ 40,000	$ 40,000
Total FHLB advances outstanding rate	3.87%	3.87%
Federal Home Loan Bank Advances Six [Member]
Variable Interest Entity [Line Items]
Maturity	Jul. 10, 2028
Total FHLB advances outstanding amount	$ 40,000	$ 40,000
Total FHLB advances outstanding rate	3.96%	3.96%
Federal Home Loan Bank Advances Seven [Member]
Variable Interest Entity [Line Items]
Maturity	May 15, 2029
Total FHLB advances outstanding amount	$ 35,000
Total FHLB advances outstanding rate	3.90%
Federal Home Loan Bank Advances Eight [Member]
Variable Interest Entity [Line Items]
Maturity	Jul. 10, 2029
Total FHLB advances outstanding amount	$ 45,000
Total FHLB advances outstanding rate	3.69%

Federal Home Loan Bank Advanc_4

Federal Home Loan Bank Advances and Other Borrowings (Details Narrative) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Advance from Federal Home Loan Bank	$ 240,000	$ 275,000
Weighted average rate percentage	3.74%	3.89%
FHLB Outstanding amount		$ 275,000
Variable rate		35,000
Fixed rate		240,000
Mortgage loans	$ 1,290,000	1,250,000
Federal home loan bank stock value	14,500	16,100
Federal Home Loan Bank Advances and Other Borrowings [Member]
Debt Instrument [Line Items]
Advance from Federal Home Loan Bank	$ 240,000	$ 275,000

Subordinated Debentures (Detail

Subordinated Debentures (Details Narrative) - USD ($)	1 Months Ended				12 Months Ended
	Sep. 30, 2024	Sep. 30, 2019	Dec. 22, 2005	Jun. 26, 2003	Dec. 31, 2024	Dec. 31, 2023
SubordinatedDebtDetailsLineItems [Line Items]
Subordinated debentures					$ 24,903,000	$ 36,322,000
Dodd-Frank Act prohibits, description					Dodd-Frank Act prohibit institutions that had more than $15 billion in assets on December 31, 2009 from including trust preferred securities as Tier 1 capital beginning in 2013, with one-third phased out over the two years ending in 2015. Financial institutions with less than $15 billion in total assets, such as the Bank, may continue to include their trust preferred securities issued prior to May 19, 2010 in Tier 1 capital, but cannot include in Tier 1 capital trust preferred securities issued after such date.
Debt instrument term					10 years
Fixed annual rate					4.75%
Subordinate Debt [Member]
SubordinatedDebtDetailsLineItems [Line Items]
Aggregate principal amount of subordinated notes		$ 23,000,000
Rate of interest of subordinated notes		4.75%
Outstanding amount	$ 11,500,000
Greenville First Statutory Trust One [Member]
SubordinatedDebtDetailsLineItems [Line Items]
Trust preferred securities				$ 6,000,000
Trust preferred securities maturity date				Jun. 26, 2033
Floating interest rate of trust preferred securities					7.77%
SOFR rate					3.10%
Proceeds from issuance trust preferred securities					$ 6,000,000
Initial proceeds from capital investment in trust					186,000
Subordinated debentures					$ 6,200,000
Greenville First Statutory Trust Two [Member]
SubordinatedDebtDetailsLineItems [Line Items]
Trust preferred securities			$ 7,000,000
Trust preferred securities maturity date			Dec. 22, 2035
Floating interest rate of trust preferred securities					6.03%
SOFR rate					1.44%
Proceeds from issuance trust preferred securities					$ 7,000,000
Initial proceeds from capital investment in trust					217,000
Subordinated debentures					$ 7,200,000

Unused Lines of Credit (Details

Unused Lines of Credit (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Lines of credit to purchase federal funds	$ 128,500
Additional borrowings under FHLB	807,500
Federal reserve discount window with pledged	210,800	$ 227,100
Proceeds from Unsecured Lines of Credit	$ 15,000
U.S. Prime rate plus percentage	0.25%
Line of Credit [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Renewed date	Mar. 05, 2026
Securities Investment [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Marketable investment securities pledged		$ 13,000

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - Schedule of carrying value of hedged asset and liability and cumulative fair value hedging adjustment - Fixed Rate Asset/Liability [Member] - USD ($) $ in Thousands		Dec. 31, 2024	Dec. 31, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Carrying Amount	[1]	$ 303,698	$ 199,518
Hedged Liability	[1]	$ 3,698	$ 482
[1]These amounts included the amortized cost basis of closed portfolios of fixed rate loans used to designate hedging relationships in which the hedged item is the stated amount of the assets in the closed portfolio anticipated to be outstanding for the designated hedged period. As of December 31, 2024, the amortized cost basis of the closed portfolio used in this hedging relationship was $ 665.7 3.7 300.0

Derivative Financial Instrume_4

Derivative Financial Instruments (Details) - Schedule of outstanding financial derivative instruments - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Fair value swap [Member]
DerivativeFinancialInstrumentsDetailsLineItems [Line Items]
Derivative financial instruments, notional amount	$ 300,000	$ 200,000
Balance Sheet Location, description	Other assets	Other liabilities
Derivative Asset/(Liability), Fair Value	$ 3,698	$ (482)
Interest Rate Lock Commitments [Member]
DerivativeFinancialInstrumentsDetailsLineItems [Line Items]
Derivative financial instruments, notional amount	$ 15,841	$ 12,973
Balance Sheet Location, description	Other assets	Other assets
Derivative Asset/(Liability), Fair Value	$ 188	$ 159
Mortgage loan interest rate lock commitments [Member]
DerivativeFinancialInstrumentsDetailsLineItems [Line Items]
Derivative financial instruments, notional amount	$ 10,500	$ 10,000
Balance Sheet Location, description	Other assets	Other liabilities
Derivative Asset/(Liability), Fair Value	$ 40	$ (68)
Total derivative financial instruments [Member]
DerivativeFinancialInstrumentsDetailsLineItems [Line Items]
Derivative financial instruments, notional amount	326,341	222,973
Derivative Asset/(Liability), Fair Value	$ 3,926	$ (391)

Derivative Financial Instrume_5

Derivative Financial Instruments (Details) - Schedule of summarize the effect of fair value hedging relationship recognized in the consolidated statement of income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Gain (loss) on fair value hedging relationship:
Hedged asset/(liability)	$ 3,698	$ (482)
Fair value derivative designated as hedging instrument	(3,668)	511
Total gain recognized in interest income on loans	$ 30	$ 29

Derivative Financial Instrume_6

Derivative Financial Instruments (Details Narrative) - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2023	Dec. 31, 2024	Dec. 31, 2023
Interest Rate Swap [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Accrued interest receivable related to interest rate swap		$ 259,000	$ 285,000
Designated as Hedging Instrument [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Financial asset, closed portfolio, portfolio layer method, amortized cost		665,700,000
Hedged asset, fair value hedge, portfolio layer method, hedged layer, fair value, cumulative increase (decrease)		3,700,000
Derivative, amount of hedged item		300,000,000
Pay-Fixed Portfolio [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Total notional amount	$ 200,000,000	$ 100,000,000
Hedging instrument matures	May 25, 2028	Aug. 27, 2027

Fair Value Accounting (Details)

Fair Value Accounting (Details) - Schedule of assets and liabilities measured at fair value on a recurring basis - Fair Value, Recurring [Member] - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Corporate bonds	$ 1,927	$ 1,910
US treasuries	908	9,394
US government agencies	15,795	18,656
State and political subdivisions	19,322	19,741
Asset-backed securities	36,538	33,236
Mortgage-backed securities	57,637	51,765
Mortgage loans held for sale	4,565	7,194
Mortgage loan interest rate lock commitments	188	159
Derivative asset	3,698
MBS forward sales commitments	40
Total assets measured at fair value on a recurring basis	140,618	142,055
Liabilities
Derivative liability		482
MBS forward sales commitments		68
Total liabilities measured at fair value on a recurring basis		550
Level 1 [Member]
Assets
Corporate bonds
US treasuries
US government agencies
State and political subdivisions
Asset-backed securities
Mortgage-backed securities
Mortgage loans held for sale
Mortgage loan interest rate lock commitments
Derivative asset
MBS forward sales commitments
Total assets measured at fair value on a recurring basis
Liabilities
Derivative liability
MBS forward sales commitments
Total liabilities measured at fair value on a recurring basis
Level 2 [Member]
Assets
Corporate bonds	1,927	1,910
US treasuries	908	9,394
US government agencies	15,795	18,656
State and political subdivisions	19,322	19,741
Asset-backed securities	36,538	33,236
Mortgage-backed securities	57,637	51,765
Mortgage loans held for sale	4,565	7,194
Mortgage loan interest rate lock commitments	188	159
Derivative asset	3,698
MBS forward sales commitments	40
Total assets measured at fair value on a recurring basis	140,618	142,055
Liabilities
Derivative liability		482
MBS forward sales commitments		68
Total liabilities measured at fair value on a recurring basis		550
Level 3 [Member]
Assets
Corporate bonds
US treasuries
US government agencies
State and political subdivisions
Asset-backed securities
Mortgage-backed securities
Mortgage loans held for sale
Mortgage loan interest rate lock commitments
Derivative asset
MBS forward sales commitments
Total assets measured at fair value on a recurring basis
Liabilities
Derivative liability
MBS forward sales commitments
Total liabilities measured at fair value on a recurring basis

Fair Value Accounting (Detail_2

Fair Value Accounting (Details) - Schedule of assets and liabilities measured at fair value on a nonrecurring basis - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Individually evaluated loans	$ 10,266	$ 4,136
Total assets measured at fair value on a nonrecurring basis	10,266	4,136
Level 1 [Member]
Assets
Individually evaluated loans
Total assets measured at fair value on a nonrecurring basis
Level 2 [Member]
Assets
Individually evaluated loans	9,139	1,160
Total assets measured at fair value on a nonrecurring basis	9,139	1,160
Level 3 [Member]
Assets
Individually evaluated loans	1,127	2,976
Total assets measured at fair value on a nonrecurring basis	$ 1,127	$ 2,976

Fair Value Accounting (Detail_3

Fair Value Accounting (Details) - Schedule of unobservable inputs used in the fair value measurements	12 Months Ended
	Dec. 31, 2024
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Valuation Technique	Appraised Value/ Discounted Cash Flows
Significant Unobservable Inputs	Discounts to appraisals or cash flows for estimated holding and/or selling costs or age of appraisal
Minimum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range of Inputs	0%
Maximum [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range of Inputs	25%

Fair Value Accounting (Detail_4

Fair Value Accounting (Details) - Schedule of estimated fair values of the company's financial instruments - USD ($) $ in Thousands		Dec. 31, 2024	Dec. 31, 2023
Financial Assets:
Other investments, at cost, Carrying Amount		$ 19,490	$ 19,939
Other investments, at cost, Fair Value		19,490	19,939
Loans, Carrying Amount	[1]	3,579,640	3,557,120
Loans, Fair Value	[1]	3,319,602	3,337,768
Financial Liabilities:
Deposits, Carrying Amount		3,435,765	3,379,564
Deposits, Fair Value		3,158,893	2,961,182
Subordinated debentures, Carrying Amount		24,903	36,322
Subordinated debentures, Fair Value		27,539	40,712
Level 1 [Member]
Financial Assets:
Other investments, at cost, Fair Value
Loans, Fair Value	[1]
Financial Liabilities:
Deposits, Fair Value
Subordinated debentures, Fair Value
Level 2 [Member]
Financial Assets:
Other investments, at cost, Fair Value
Loans, Fair Value	[1]
Financial Liabilities:
Deposits, Fair Value		3,158,893	2,961,182
Subordinated debentures, Fair Value		27,539	40,712
Level 3 [Member]
Financial Assets:
Other investments, at cost, Fair Value		19,490	19,939
Loans, Fair Value	[1]	3,319,602	3,337,768
Financial Liabilities:
Deposits, Fair Value
Subordinated debentures, Fair Value
[1] Carrying amount is net of the allowance for credit losses and individually evaluated loans.

Fair Value Accounting (Details

Fair Value Accounting (Details Narrative)	12 Months Ended
	Dec. 31, 2024
Fair Value Disclosures [Abstract]
Percentage of loans collateralize by real estate	84%

Earnings Per Common Share (Deta

Earnings Per Common Share (Details) - Schedule of earnings per share computations - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Numerator:
Net income	$ 15,530	$ 13,426	$ 29,115
Net income available to common shareholders	$ 15,530	$ 13,426	$ 29,115
Denominator:
Weighted-average common shares outstanding - basic	8,080,623	8,046,633	7,958,294
Common stock equivalents	36,434	31,821	113,396
Weighted-average common shares outstanding - diluted	8,117,057	8,078,454	8,071,690
Earnings per common share:
Basic	$ 1.92	$ 1.67	$ 3.66
Diluted	$ 1.91	$ 1.66	$ 3.61

Earnings Per Common Share (De_2

Earnings Per Common Share (Details Narrative) - shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Earnings per common share
Anti-dilutive in the calculation of earnings per share, amount	153,755	269,072	131,433

Commitments and Contingencies (

Commitments and Contingencies (Details Narrative) $ in Thousands	Dec. 31, 2024 USD ($)
Commitments and Contingencies Disclosure [Abstract]
Total commitments	$ 1,200

Income Taxes (Details) - Schedu

Income Taxes (Details) - Schedule of components of income tax expense - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Current income taxes:
Federal	$ 4,992	$ 3,769	$ 8,482
State	623	460	1,273
Total current tax expense	5,615	4,229	9,755
Deferred income benefit	(1,233)	(228)	(757)
Income tax expense	$ 4,382	$ 4,001	$ 8,998

Income Taxes (Details) - Sche_2

Income Taxes (Details) - Schedule of taxes computed using the statutory tax rate - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Tax expense at statutory rate	$ 4,182	$ 3,660	$ 8,004
Effect of state income taxes, net of federal benefit	195	364	1,006
Exempt income	13	7	(27)
Effect of stock-based compensation	128	133	42
Other	(136)	(163)	(27)
Income tax expense	$ 4,382	$ 4,001	$ 8,998

Income Taxes (Details) - Sche_3

Income Taxes (Details) - Schedule of components of the deferred tax assets and liabilities - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Allowance for credit losses	$ 8,636	$ 8,543
Reserve for unfunded commitments	315	384
Unrealized loss on securities available for sale	3,050	3,015
Net deferred loan fees	1,343	1,475
Deferred compensation	1,557	1,458
Accrued bonuses	687
Lease liabilities	4,999	5,175
Other	608	479
Total deferred tax assets	21,195	20,529
Deferred tax liabilities:
Property and equipment	2,892	3,334
Hedging transactions	79	74
Prepaid expenses	302	255
ROU assets	4,435	4,656
Other	20	10
Total deferred tax assets	7,728	8,329
Net deferred tax asset	$ 13,467	$ 12,200

Related Party Transactions (Det

Related Party Transactions (Details) - Schedule of loan transactions with directors and executive officers, including their affiliates - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Related Party Transactions [Abstract]
Balance, beginning of year	$ 25,252	$ 17,217
New loans	7,000	17,455
Less loan payments	(7,107)	(9,420)
Balance, end of year	$ 25,145	$ 25,252

Related Party Transactions (D_2

Related Party Transactions (Details Narrative) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Related Party Transaction [Line Items]
Monthly payments of land lease by company	$ 9,026
Rent received	91,000	$ 88,000
Directors Affiliates and Executive Officers [Member]
Related Party Transaction [Line Items]
Deposits by related parties	$ 7,000,000	$ 6,400,000

Financial Instruments With Of_2

Financial Instruments With Off-Balance Sheet Risk (Details Narrative) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Investments, All Other Investments [Abstract]
Unfunded commitments	$ 719,100	$ 724,600
Fixed rates	57,500	145,600
Variable rates	661,600	579,000
Commitment amount	$ 16,200	$ 16,100

Employee Benefit Plan (Details

Employee Benefit Plan (Details Narrative)	12 Months Ended
	Dec. 31, 2024 USD ($) officers	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Profit Sharing and 401(k) Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, annual cost	$ 1,100,000	$ 1,100,000	$ 995,000
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined benefit plan, annual cost	$ 417,000		$ 284,000
Number of executive officers | officers	20
Accrued benefit obligation	$ 7,200,000	6,900,000
Reversal of expenses		$ 1,100,000

Stock-Based Compensation (Detai

Stock-Based Compensation (Details) - Schedule of stock-based compensation expense - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
Stock option expense	$ 374	$ 528	$ 927
Restricted stock grant expense	1,909	1,415	1,099
Total stock-based compensation expense	$ 2,283	$ 1,943	$ 2,026

Stock-Based Compensation (Det_2

Stock-Based Compensation (Details) - Schedule of the status of the stock option plan and changes - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
Shares, Outstanding at beginning of year	331,349	427,224	464,724
Weighted average exercise price, Outstanding at beginning of year	$ 35.51	$ 34.32	$ 33.97
Shares, Granted
Weighted average exercise price, Granted
Shares, Exercised	(15,250)	(27,250)	(32,375)
Weighted average exercise price, Exercised	$ 17.17	$ 20.18	$ 27.94
Shares, Forfeited or expired	(3,500)	(68,625)	(5,125)
Weighted average exercise price, Forfeited or expired	$ 41.55	$ 34.15	$ 43.14
Shares, Outstanding at end of year	312,599	331,349	427,224
Weighted average exercise price, Outstanding at end of year	$ 36.34	$ 35.51	$ 34.32
Weighted Average Remaining Contractual Life, Outstanding at end of year	4 years 1 month 6 days	4 years 10 months 24 days	5 years 8 months 12 days
Shares, options exercisable at year-end	288,849	267,376	287,902
Weighted average exercise price, Options exercisable at year-end	$ 36	$ 34.48	$ 32.35
Weighted Average Remaining Contractual Life, Options exercisable at year-end	4 years	4 years 6 months	4 years 9 months 18 days
Weighted average exercise price, Weighted average fair value of options granted during the year
Shares, Shares available for grant	258,622	319,058	370,824

Stock-Based Compensation (Det_3

Stock-Based Compensation (Details) - Schedule of the status of the company's nonvested restricted stock and changes - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-Based Payment Arrangement [Abstract]
Restricted Shares, Nonvested at beginning of year	109,533	80,337	41,699
Weighted Average Grant-Date Fair Value, Nonvested at beginning of year	$ 44.40	$ 52.53	$ 44.71
Restricted Shares, Granted	65,373	69,880	53,376
Weighted Average Grant-Date Fair Value, Granted	$ 36.47	$ 37.12	$ 56.25
Restricted Shares, Vested	(30,118)	(21,695)	(14,213)
Weighted Average Grant-Date Fair Value, Vested	$ 44.72	$ 48.95	$ 43.26
Restricted Shares, Forfeited	(4,937)	(18,989)	(525)
Weighted Average Grant-Date Fair Value, Forfeited	$ 37.95	$ 46.83	$ 61.14
Restricted Shares, Nonvested at end of year	139,851	109,533	80,337
Weighted Average Grant-Date Fair Value, Nonvested at end of year	$ 40.85	$ 44.40	$ 52.53

Stock-Based Compensation (Det_4

Stock-Based Compensation (Details Narrative) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Number of stock option available for grant	258,622	319,058	370,824
Option expiration period	10 years
Unrecognized compensation cost	$ 32,000
Recognized weighted average period	3 months 18 days
Fair value of stock option grants	$ 576,000	$ 846,000	$ 1,100,000
Stock options outstanding	312,599	331,349	427,224	464,724
Stock options exercisable	288,849	267,376	287,902
Stock Compensation Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Aggregate intrinsic value outstanding	$ 1,400,000	$ 1,300,000
Aggregate intrinsic value options exercisable at year-end	$ 1,400,000	$ 1,300,000
Two Thousand Twenty Equity Incentive Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Number of stock option available for grant	258,622
Restricted Stock Plan [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Unrecognized compensation cost	$ 3,900,000
Recognized weighted average period	2 years 6 months

Regulatory Matters (Details) -

Regulatory Matters (Details) - Schedule of capital amounts and ratios of Bank and the Company and the regulatory minimum requirements - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Bank [Member]
Total Capital (to risk weighted assets) Amount	$ 402,629	$ 390,197
Total Capital (to risk weighted assets) Actual Ratio	12.66%	12.28%
Total Capital (to risk weighted assets) For capital adequacy purposes minimum	$ 254,412	$ 254,278
Total Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio	8%	8%
Total Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum	$ 318,015	$ 317,847
Total Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum, Ratio	10%	10%
Tier 1 Capital (to risk weighted assets) Amount	$ 362,875	$ 350,455
Tier 1 Capital (to risk weighted assets) Actual Ratio	11.41%	11.03%
Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum	$ 190,809	$ 190,708
Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio	6%	6%
Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum	$ 254,412	$ 254,278
Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum, Ratio	8%	8%
Common Equity Tier 1 Capital (to risk weighted assets) Amount	$ 362,875	$ 350,455
Common Equity Tier 1 Capital (to risk weighted assets) Actual Ratio	11.41%	11.03%
Common Equity Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum	$ 143,107	$ 143,031
Common Equity Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio	4.50%	4.50%
Common Equity Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum	$ 206,709	$ 206,601
Common Equity Tier 1 Capital (to risk weighted assets) To be well capitalized under prompt corrective action provisions minimum, Ratio	6.50%	6.50%
Tier 1 Capital (to average assets) Amount	$ 362,875	$ 350,455
Tier 1 Capital (to average assets) Actual Ratio	8.75%	8.47%
Tier 1 Capital (to average assets) For capital adequacy purposes minimum	$ 165,941	$ 165,414
Tier 1 Capital (to average assets) For capital adequacy purposes minimum, Ratio	4%	4%
Tier 1 Capital (to average assets) To be well capitalized under prompt corrective action provisions minimum	$ 207,426	$ 206,767
Tier 1 Capital (to average assets) To be well capitalized under prompt corrective action provisions minimum, Ratio	5%	5%
Company [Member]
Total Capital (to risk weighted assets) Amount	$ 403,867	$ 399,551
Total Capital (to risk weighted assets) Actual Ratio	12.70%	12.57%
Total Capital (to risk weighted assets) For capital adequacy purposes minimum	$ 254,392	$ 254,278
Total Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio	8%	8%
Tier 1 Capital (to risk weighted assets) Amount	$ 354,916	$ 336,809
Tier 1 Capital (to risk weighted assets) Actual Ratio	11.16%	10.60%
Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum	$ 190,794	$ 190,708
Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio	6%	6%
Common Equity Tier 1 Capital (to risk weighted assets) Amount	$ 341,916	$ 323,809
Common Equity Tier 1 Capital (to risk weighted assets) Actual Ratio	10.75%	10.19%
Common Equity Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum	$ 143,096	$ 143,031
Common Equity Tier 1 Capital (to risk weighted assets) For capital adequacy purposes minimum, Ratio	4.50%	4.50%
Tier 1 Capital (to average assets) Amount	$ 354,916	$ 336,809
Tier 1 Capital (to average assets) Actual Ratio	8.55%	8.14%
Tier 1 Capital (to average assets) For capital adequacy purposes minimum	$ 165,963	$ 165,436
Tier 1 Capital (to average assets) For capital adequacy purposes minimum, Ratio	4%	4%

Regulatory Matters (Details Nar

Regulatory Matters (Details Narrative)	12 Months Ended
	Dec. 31, 2024
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Capital requirements ratio, description	The capital rules require banks and bank holding companies to maintain a minimum total risked-based capital ratio of at least 8%, a total Tier 1 capital ratio of at least 6%, a minimum common equity Tier 1 capital ratio of at least 4.5%, and a leverage ratio of at least 4%. Bank holding companies and banks are also required to hold a capital conservation buffer of common equity Tier 1 capital of 2.5% to avoid limitations on capital distributions and discretionary executive compensation payments. The capital conservation buffer was phased in incrementally over time, becoming fully effective on January 1, 2019, and consists of an additional amount of common equity equal to 2.5% of risk-weighted assets.
Well Capitalized [Member]
Debt Securities, Held-to-Maturity, Allowance for Credit Loss [Line Items]
Capital requirements ratio, description	To be considered “well-capitalized” for purposes of certain rules and prompt corrective action requirements, the Bank must maintain a minimum total risked-based capital ratio of at least 10%, a total Tier 1 capital ratio of at least 8%, a common equity Tier 1 capital ratio of at least 6.5%, and a leverage ratio of at least 5%. As of December 31, 2024, our capital ratios exceed these ratios and we remain “well capitalized.”

Parent Company Financial Info_3

Parent Company Financial Information (Details) - Schedule of condensed balance sheets - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Assets
Cash and cash equivalents	$ 162,863	$ 156,170
Other assets	20,364	16,837
Total assets	4,087,593	4,055,789
Liabilities and Shareholders’ Equity
Subordinated debentures	24,903	36,322
Shareholders’ equity	330,444	312,467	$ 294,512	$ 277,901
Total liabilities and shareholders’ equity	4,087,593	4,055,789
Parent Company [Member]
Assets
Cash and cash equivalents	3,641	9,408
Investment in subsidiaries	351,806	339,516
Other assets	149	146
Total assets	355,596	349,070
Liabilities and Shareholders’ Equity
Accrued expenses	249	281
Subordinated debentures	24,903	36,322
Shareholders’ equity	330,444	312,467
Total liabilities and shareholders’ equity	$ 355,596	$ 349,070

Parent Company Financial Info_4

Parent Company Financial Information (Details) - Schedule of condensed statements of income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Revenues
Interest income	$ 201,212	$ 177,598	$ 117,662
Expenses
Income tax benefit	4,382	4,001	8,998
Net income	15,530	13,426	29,115
Parent Company [Member]
Revenues
Interest income	12	15	20
Total revenue	12	15	20
Expenses
Interest expense	2,149	2,197	1,730
Other expenses	255	249	240
Total expenses	2,404	2,446	1,970
Income tax benefit	502	511	409
Loss before equity in undistributed net income of subsidiaries	(1,890)	(1,920)	(1,541)
Equity in undistributed net income of subsidiaries	17,420	15,346	30,656
Net income	$ 15,530	$ 13,426	$ 29,115

Parent Company Financial Info_5

Parent Company Financial Information (Details) - Schedule of condensed statements of cash flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating activities
Net income	$ 15,530	$ 13,426	$ 29,115
Adjustments to reconcile net income to cash provided by operating activities
Compensation expense related to stock options and restricted stock grants	2,283	1,943	2,026
Increase in other assets	3,527	1,378	5,047
Investing activities
Net cash provided by (used for) investing activities	(28,860)	(378,575)	(792,583)
Financing activities
Decrease in subordinated debentures	11,500
Net cash (used) provided by financing activities	9,995	346,218	745,943
Parent Company [Member]
Operating activities
Net income	15,530	13,426	29,115
Adjustments to reconcile net income to cash provided by operating activities
Equity in undistributed net income of subsidiaries	(17,420)	(15,346)	(30,656)
Compensation expense related to stock options and restricted stock grants	2,283	1,943	2,026
Increase in other assets	(3)	(125)
Increase in accrued expenses	49	110	113
Net cash provided by operating activities	439	8	598
Investing activities
Investment in subsidiaries, net	5,000	(5,000)
Net cash provided by (used for) investing activities	5,000	(5,000)
Financing activities
Proceeds from the exercise of stock options and warrants	294	518	905
Decrease in subordinated debentures	(11,500)
Net cash (used) provided by financing activities	(11,206)	518	905
Net (decrease) increase in cash and cash equivalents	(5,767)	(4,474)	1,503
Cash and cash equivalents, beginning of year	9,408	13,882	12,379
Cash and cash equivalents, end of year	$ 3,641	$ 9,408	$ 13,882