First Northern Community Bancorp (FNRN) 10-K 7 Mar 25 2024 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - 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 Period End Date	Dec. 31, 2024
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Document Transition Report	false
Entity File Number	000-30707
Entity Registrant Name	First Northern Community Bancorp
Entity Central Index Key	0001114927
Entity Incorporation, State or Country Code	CA
Entity Tax Identification Number	68-0450397
Entity Address, Address Line One	195 N. First St.
Entity Address, City or Town	Dixon
Entity Address, State or Province	CA
Entity Address, Postal Zip Code	95620
City Area Code	707
Local Phone Number	678-3041
Title of 12(g) Security	Common Stock, no par value
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	false
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 125,391,497
Entity Common Stock, Shares Outstanding		15,184,687
Auditor Firm ID	659
Auditor Name	MOSS ADAMS LLP
Auditor Location	Sacramento, California

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents	$ 119,448	$ 149,211
Certificates of deposit	16,074	19,710
Investment securities - available-for-sale, at estimated fair value, net of allowance for credit losses of $0; amortized cost of $682,346 at December 31, 2024 and $620,314 at December 31, 2023	633,853	572,357
Loans (net of allowance for credit losses of $15,885 at December 31, 2024 and $16,596 at December 31, 2023)	1,046,852	1,052,465
Stock in Federal Home Loan Bank and other equity securities, at cost	10,518	10,518
Premises and equipment, net	9,248	9,962
Core deposit intangible, net	3,321	4,141
Interest receivable and other assets	52,408	53,468
Total Assets	1,891,722	1,871,832
Deposits:
Demand	715,424	744,799
Interest-bearing transaction deposits	376,250	380,477
Savings and MMDAs	458,445	431,472
Time, $250,000 or less	108,598	109,373
Time, over $250,000	41,372	26,323
Total Deposits	1,700,089	1,692,444
Interest payable and other liabilities	15,301	20,143
Total Liabilities	1,715,390	1,712,587
Commitments and contingencies (Note 9 and 10)
Stockholders' Equity:
Common stock, no par value; 32,000,000 shares authorized; 15,943,051 and 15,482,332 shares issued and outstanding at December 31, 2024 and 2023, respectively	127,902	123,235
Additional paid-in capital	977	977
Retained earnings	81,304	68,760
Accumulated other comprehensive loss, net	(33,851)	(33,727)
Total Stockholders' Equity	176,332	159,245
Total Liabilities and Stockholders' Equity	$ 1,891,722	$ 1,871,832

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Investment securities - available-for-sale, at estimated fair value, net of allowance for credit losses	$ 0	$ 0
Investment securities - available-for-sale, amortized cost	682,346	620,314
Loans, allowance for credit losses	$ 15,885	$ 16,596
Stockholder's Equity:
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	32,000,000	32,000,000
Common stock, shares issued (in shares)	15,943,051	15,482,332
Common stock, shares outstanding (in shares)	15,943,051	15,482,332

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Interest and dividend income:
Interest and fees on loans	$ 55,389	$ 52,203
Due from banks interest bearing accounts	7,201	9,351
Investment securities:
Taxable	13,795	10,850
Non-taxable	1,216	914
Other earning assets	1,051	805
Total interest and dividend income	78,652	74,123
Interest expense:
Time deposits over $250,000	1,045	410
Other deposits	13,247	7,174
Total interest expense	14,292	7,584
Net interest income	64,360	66,539
(Reversal of) provision for credit losses	(250)	1,100
Net interest income after (reversal of) provision for credit losses	64,610	65,439
Non-interest income:
Service charges on deposit accounts	1,718	1,699
Losses on sales/calls of available-for-sale securities	(234)	(112)
Gains on sales of loans held-for-sale	52	111
Debit card income	2,762	2,798
Gain on bargain purchase	0	1,405
Other income	1,721	1,944
Total non-interest income	6,019	7,845
Non-interest expenses:
Salaries and employee benefits	23,850	25,914
Occupancy and equipment	4,736	4,329
Data processing	4,224	4,043
Stationery and supplies	313	349
Advertising	460	474
Director fees	309	327
Amortization of core deposit intangible	820	829
Other expense	8,077	7,373
Total non-interest expenses	42,789	43,638
Income before provision for income tax	27,840	29,646
Provision for income tax	7,806	8,092
Net income	$ 20,034	$ 21,554
Basic income per share (in dollars per share)	$ 1.26	$ 1.35
Diluted income per share (in dollars per share)	$ 1.24	$ 1.34

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 20,034	$ 21,554
Other comprehensive (loss) income, net of tax:
Unrealized holding (losses) gains on securities arising during the current period, net of tax effect of ($224) and $5,208 for the years ended December 31, 2024 and 2023, respectively	(546)	12,415
Reclassification adjustment due to losses realized on sales of securities, net of tax effect of $67 and $32 for the years ended December 31, 2024 and 2023, respectively	167	80
Officers' retirement plan equity adjustments, net of tax effect of $116 and $100 for the years ended December 31, 2024 and 2023, respectively	277	238
Directors' retirement plan equity adjustments, net of tax effect of ($8) and $28 for the years ended December 31, 2024 and 2023, respectively	(22)	68
Total other comprehensive (loss) income, net of tax effect of ($49) and $5,368 for the years ended December 31, 2024 and 2023, respectively	(124)	12,801
Comprehensive income	$ 19,910	$ 34,355

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Other comprehensive (loss) income, net of tax:
Unrealized holding (losses) gains on securities arising during the current period, tax	$ (224)	$ 5,208
Reclassification adjustment due to losses realized on sales of securities, tax	67	32
Officers' retirement plan equity adjustments, tax	116	100
Directors' retirement plan equity adjustments, tax	(8)	28
Total other comprehensive (loss) income, tax	$ (49)	$ 5,368

Consolidated Statement of Stock

Consolidated Statement of Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Common Stock [Member] Cumulative Change, Adjusted Balance [Member]	Additional Paid-in Capital [Member]	Additional Paid-in Capital [Member] Cumulative Change, Adjusted Balance [Member]	Retained Earnings [Member]	Retained Earnings [Member] Cumulative Change, Adjustment [Member]	Retained Earnings [Member] Cumulative Change, Adjusted Balance [Member]	Accumulated Other Comprehensive Income /(Loss) [Member]	Accumulated Other Comprehensive Income /(Loss) [Member] Cumulative Change, Adjusted Balance [Member]	Total	Cumulative Change, Adjustment [Member]	Cumulative Change, Adjusted Balance [Member]
Balance at Dec. 31, 2022	$ 116,099	$ 116,099	$ 977	$ 977	$ 54,492	$ (916)	$ 53,576	$ (46,528)	$ (46,528)	$ 125,040	$ (916)	$ 124,124
Balance (in shares) at Dec. 31, 2022	14,652,584	14,652,584
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible Enumeration]						ASU 2016-13 [Member]	ASU 2016-13 [Member]				ASU 2016-13 [Member]	ASU 2016-13 [Member]
Net income					21,554					21,554
Other comprehensive income (loss), net of tax								12,801		12,801
Stock dividend adjustment	$ 296				(296)					0
Stock dividend adjustment (in shares)	3,525
Stock dividend declared	$ 6,067				(6,067)					0
Stock dividend declared (in shares)	737,253
Cash in lieu of fractional shares					(7)					(7)
Cash in lieu of fractional shares (in shares)	(164)
Stock-based compensation	$ 820									820
Common shares issued related to restricted stock grants and ESPP, net of restricted stock forfeited	$ 96									96
Common shares issued related to restricted stock grants and ESPP, net of restricted stock forfeited (in shares)	76,261
Stock options exercised, net	$ 0									0
Stock options exercised, net (in shares)	32,927
Stock repurchase and retirement	$ (143)									(143)
Stock repurchase and retirement (in shares)	(20,054)
Balance at Dec. 31, 2023	$ 123,235		977		68,760			(33,727)		159,245
Balance (in shares) at Dec. 31, 2023	15,482,332
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income					20,034					20,034
Other comprehensive income (loss), net of tax								(124)		(124)
Stock dividend adjustment	$ 325				(325)					0
Stock dividend adjustment (in shares)	2,671
Stock dividend declared	$ 7,158				(7,158)					0
Stock dividend declared (in shares)	759,192
Cash in lieu of fractional shares					(7)					(7)
Cash in lieu of fractional shares (in shares)	(148)
Stock-based compensation	$ 846									846
Common shares issued related to restricted stock grants and ESPP, net of restricted stock forfeited	$ 102									102
Common shares issued related to restricted stock grants and ESPP, net of restricted stock forfeited (in shares)	77,816
Stock options exercised, net	$ 0									0
Stock options exercised, net (in shares)	10,259
Stock repurchase and retirement	$ (3,764)									(3,764)
Stock repurchase and retirement (in shares)	(389,071)
Balance at Dec. 31, 2024	$ 127,902		$ 977		$ 81,304			$ (33,851)		$ 176,332
Balance (in shares) at Dec. 31, 2024	15,943,051

Consolidated Statement of Sto_2

Consolidated Statement of Stockholders' Equity (Parenthetical)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Common Stock [Member]
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock dividend declared	5%	5%

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Cash flows from operating activities:
Net income	$ 20,034	$ 21,554
Adjustments to reconcile net income to net cash provided by operating activities:
(Reversal of) provision for credit losses	(250)	1,100
Amortization of core deposit intangible	820	829
Stock-based compensation	846	820
Depreciation and amortization of bank premises and equipment	1,057	1,002
Accretion and amortization of securities, net	230	1,941
Net loss on sales/calls of available-for-sale securities	234	112
Gain on sale of loans held-for-sale	(52)	(111)
Provision (benefit) for deferred income taxes	603	(404)
Proceeds from sales of loans held-for-sale	4,590	5,918
Originations of loans held-for-sale	(4,538)	(5,807)
(Decrease) increase in deferred loan origination fees and costs, net	(64)	752
Amortization of operating lease right-of-use asset	918	1,077
Gain on bargain purchase	0	(1,405)
Increase in interest receivable and other assets	(412)	(961)
(Decrease) increase in interest payable and other liabilities	(4,479)	883
Net cash provided by operating activities	19,537	27,300
Cash flows from investing activities:
Proceeds from maturities of available-for-sale securities	85,775	62,765
Proceeds from sales of available-for-sale securities	6,563	18,067
Principal repayments on available-for-sale securities	75,500	71,909
Purchase of available-for-sale securities	(230,334)	(91,324)
Proceeds from maturities of certificates of deposit	9,336	5,169
Purchase of certificates of deposit	(5,700)	(3,931)
Purchases of stock in Federal Home Loan Bank and other equity securities, at cost	0	(1,078)
Net decrease (increase) in loans	5,927	(80,173)
Purchases of bank premises and equipment, net	(343)	(1,221)
Cash and cash equivalents acquired in acquisition	0	103,425
Net cash (used in) provided by investing activities	(53,276)	83,608
Cash flows from financing activities:
Net increase (decrease) in deposits	7,645	(149,060)
Cash dividends paid in lieu of fractional shares	(7)	(7)
Common stock issued	102	96
Repurchases of common stock	(3,764)	(143)
Net cash provided by (used in) financing activities	3,976	(149,114)
Net (decrease) increase in cash and cash equivalents	(29,763)	(38,206)
Cash and cash equivalents at beginning of year	149,211	187,417
Cash and cash equivalents at end of year	$ 119,448	$ 149,211

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2024
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	(1) Summary of Significant Accounting Policies First Northern Community Bancorp (the “Company”) is a bank holding company whose only subsidiary, First Northern Bank of Dixon (“Bank”), a California state-chartered bank, conducts general banking activities, including collecting deposits and originating loans, and serves Solano, Yolo, Sacramento, Placer, El Dorado, Glenn, and Colusa Counties. All intercompany transactions between the Company and the Bank have been eliminated in consolidation. The consolidated financial statements also include the accounts of Yolano Realty Corporation, a wholly-owned subsidiary of the Bank. Yolano Realty Corporation was formed in September 2009 for the purpose of managing selected other real estate owned properties. Yolano Realty Corporation was an inactive subsidiary in 2024. The accounting and reporting policies of the Company conform with accounting principles generally accepted in the United States of America. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. Actual results could differ from those estimates applied in the preparation of the accompanying consolidated financial statements. For the Company, the most significant accounting estimates are the allowance for credit losses on loans and business combinations. A summary of the significant accounting policies applied in the preparation of the accompanying consolidated financial statements follows. (a) Cash Equivalents For purposes of the consolidated statements of cash flows, the Company considers due from banks, federal funds sold for one-day periods and short-term bankers acceptances to be cash equivalents. At times, the Company maintains deposits with other financial institutions in amounts that may exceed federal deposit insurance coverage. Management regularly evaluates the credit risk associated with correspondent banks. (b) Investment Securities and Allowance for Credit Losses Investment securities consist of U.S. Treasury securities, U.S. Agency securities, obligations of states and political subdivisions, obligations of U.S. Corporations, collateralized mortgage obligations and mortgage-backed securities. At the time of purchase of a security the Company designates the security as held-to-maturity or available-for-sale, based on its investment objectives, operational needs, and intent to hold. The Company does not purchase securities with the intent to engage in trading activity. Held-to-maturity securities are recorded at amortized cost, adjusted for amortization or accretion of premiums or discounts. Available-for-sale securities are recorded at fair value with unrealized holding gains and losses, net of the related tax effect, reported as a separate component of stockholders’ equity until realized. The amortized cost of securities is adjusted for amortization of premiums and accretion of discounts to the earliest call date using the effective interest method. Such amortization and accretion is included in investment income, along with interest and dividends. The cost of securities sold is based on the specific identification method; realized gains and losses resulting from such sales are included in earnings. For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell, the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, an allowance for credit losses is recorded to bring the security’s amortized cost basis down to fair value. For debt securities available-for-sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, 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 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 unrealized losses that have not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses 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. Accrued interest receivable on available-for-sale debt securities is excluded from the estimate of credit losses. Accrued interest receivable on available-for-sale debt securities totaled $2,785 and $2,096 as of December 31, 2024 and December 31, 2023, respectively, and is included in interest receivable and other assets (c) Federal Home Loan Bank Stock and Other Equity Securities, at Cost The Bank is a member of the Federal Home Loan Bank of San Francisco (“FHLB”) and is required to obtain and hold a specific number of shares of capital stock of the FHLB. FHLB stock represents an equity interest that does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity). FHLB stock and other equity securities are recorded at cost and evaluated for impairment as of each reporting period . (d) Loans and Allowance for Credit Losses Loans are reported at the principal amount outstanding, net of deferred loan fees and costs and the allowance for credit losses. Loan fees net of certain direct costs of origination, which represent an adjustment to interest yield are deferred and amortized over the contractual term of the loan using the interest method. Unearned discount on installment loans is recognized as income over the terms of the loans by the interest method. Interest on other loans is calculated by using the simple interest method on the daily balance of the principal amount outstanding. Loans on which the accrual of interest has been discontinued are designated as non-accrual loans. Accrual of interest on loans is discontinued either when reasonable doubt exists as to the full and timely collection of interest or principal or when a loan becomes contractually past due by ninety days or more with respect to interest or principal. When a loan is placed on non-accrual status, all interest previously accrued but not collected is reversed against current period interest income. Interest accruals are resumed on such loans only when they are brought fully current with respect to interest and principal and when, in the judgment of management, the loans are estimated to be fully collectible as to both principal and interest. Accrual of interest on loans that are modified commence after a sustained period of performance. Interest is generally accrued on such loans in accordance with the new terms. The allowance for credit l osses (ACL) is a valuation account that is deducted from the loan’s amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the allowance when management believes the recorded loan balance is confirmed as uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-of f. The Company measures its ACL using the current expected credit loss (CECL) methodology in accordance with Accounting Standards Codification Topic 326, Financial Instruments - Credit Losses (Topic 326). Management estimates the ACL using relevant information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. In determining the ACL, accruing loans with similar risk characteristics are generally evaluated collectively. To estimate expected losses the Company generally utilizes historical loss trends and the remaining contractual lives of the loan portfolios to determine estimated credit losses through a reasonable and supportable forecast period. Individual loan credit quality indicators, including historical credit losses, have been statistically correlated with various econometrics, including national unemployment rate and national gross domestic product. The Company moved from California state loss drivers to national loss drivers at the beginning of 2024. The reason for the change is a higher credit loss correlation between the national loss driver variables than the state loss driver variables. Loans that do not share similar risk charac teristics are individually evaluated by management for potential impairment. Included in loans individually evaluated are collateral dep The ACL is measured on a collective (pool) basis whe n similar risk characteristics exist. The Company has identified the following portfolio segments to evaluate and measure the ACL: Commercial : Commercial loans, whether secured or unsecured, generally are made to support the short-term operations and other needs of small businesses. These loans are generally secured by the receivables, equipment, and other real property of the business and are susceptible to the related risks described above. Problem commercial loans are generally identified by periodic review of financial information that may include financial statements, tax returns, and payment history of the borrower. Based on this information, the Company may decide to take any of several courses of action, including demand for repayment, requiring the borrower to provide a significant principal payment and/or additional collateral or requiring similar support from guarantors. Notwithstanding, when repayment becomes unlikely based on the borrower’s income and cash flow, repossession or foreclosure of the underlying collateral may become necessary. Collateral values may be determined by appraisals obtained through Bank-approved, licensed appraisers, qualified independent third parties, purchase invoices, or other appropriate documentation. : Commercial real estate loans generally fall into two categories: owner-occupied and non-owner occupied. Loans secured by owner-occupied real estate are primarily susceptible to changes in the market conditions of the related business. This may be driven by, among other things, industry changes, geographic business changes, changes in the individual financial capacity of the business owner, general economic conditions, and changes in business cycles. These same risks apply to commercial loans whether secured by equipment, receivables or other personal property or unsecured. Problem commercial real estate loans are generally identified by periodic review of financial information that may include financial statements, tax returns, payment history of the borrower, and site inspections. Based on this information, the Company may decide to take any of several courses of action, including demand for repayment, requiring the borrower to provide a significant principal payment and/or additional collateral or requiring similar support from guarantors. Notwithstanding, when repayment becomes unlikely based on the borrower’s income and cash flow, repossession or foreclosure of the underlying collateral may become necessary. Losses on loans secured by owner occupied real estate, equipment, or other personal property generally are dictated by the value of underlying collateral at the time of default and liquidation of the collateral. When default is driven by issues related specifically to the business owner, collateral values tend to provide better repayment support and may result in little or no loss. Alternatively, when default is driven by more general economic conditions, underlying collateral generally has devalued more and results in larger losses due to default. Loans secured by non-owner occupied real estate are primarily susceptible to risks associated with swings in occupancy or vacancy and related shifts in lease rates, rental rates or room rates. Most often, these shifts are a result of changes in general economic or market conditions or overbuilding and resulting over-supply of space. Losses are dependent on the value of underlying collateral at the time of default. Values are generally driven by these same factors and influenced by interest rates and required rates of return as well as changes in occupancy costs. Collateral values may be determined by appraisals obtained through Bank-approved, licensed appraisers, qualified independent third parties, sales invoices, or other appropriate means. Agriculture : Agricultural loans, whether secured or unsecured, generally are made to producers and processors of crops and livestock. Repayment is primarily from the sale of an agricultural product or service. Agricultural loans are generally secured by inventory, receivables, equipment, and other real property. Agricultural loans primarily are susceptible to changes in market demand for specific commodities. This may be exacerbated by, among other things, industry changes, changes in the individual financial capacity of the business owner, general economic conditions and changes in business cycles, as well as adverse weather conditions such as drought, fire, or floods. Problem agricultural loans are generally identified by periodic review of financial information that may include financial statements, tax returns, crop budgets, payment history, and crop inspections. Based on this information, the Company may decide to take any of several courses of action, including demand for repayment, requiring the borrower to provide a significant principal payment and/or additional collateral or requiring similar support from guarantors. Notwithstanding, when repayment becomes unlikely based on the borrower’s income and cash flow, repossession or foreclosure of the underlying collateral may become necessary. Residential mortgage loans : Residential mortgage loans, which are secured by real estate, are primarily susceptible to four risks; non-payment due to diminished or lost income, over-extension of credit, a lack of borrow : Construction loans, whether owner-occupied or non-owner occupied residential development loans, are not only susceptible to the risks related to residential mortgage loans, but the added risks of construction, including cost over-runs, mismanagement of the project, or lack of demand and market changes experienced at time of completion. Losses are primarily related to underlying collateral value and changes therein as described above. Problem construction loans are generally identified by periodic review of financial information that may include financia l statements, tax returns and payment history of the borrower. Based on this information, the Company may decide to take any of several courses of action, including demand for repayment, requiring the borrower to provide a significant principal payment and/or additional collateral or requiring similar support from guarantors, or repossession or foreclosure of the underlying collateral. Collateral values may be determined by appraisals obtained through Bank-approved, licensed appraisers, qualified independent third parties, purchase invoices, or other appropriate documentation. Consumer : Consumer loans, whether unsecured or secured, are primarily susceptible to four risks: non-payment due to diminished or lost income, over-extension of credit, a lack of borrower’s cash flow to sustain payments, and shortfall in collateral value. In general, non-payment is usually due to loss of employment and will follow Unfunded commitments : The estimated credit losses a ssociated with these unfunded lending commitments is calculated using the same models and methodologies noted above and incorporate utilization assumptions at time of default. The reserve for unfunded commitments is maintained on the Consolidated Balance Sheets in other liabilities. Accrued interest receivable on loans is not included in the calculation of the allowance for credit losses. Accrued interest receivable on loans totaled $4,875 and $4,713 as of December 31, 2024 and December 31, 2023, respectively, and is included in interest receivable and other assets ( e Loans Held-for-Sale Loans originated and held-for-sale are carried at the lower of cost or estimated fair value in the aggregate. Net fees and costs of originating loans held for sale are deferred and are included in the basis for determining the gain or loss on sales of loans held for sale. Net unrealized losses are recognized through a valuation allowance by charges to income. ( f Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed substantially by the straight-line method over the estimated useful lives of the related assets. Leasehold improvements are depreciated over the estimated useful lives of the improvements or the terms of the related leases, whichever is shorter. The useful lives used in computing depreciation are as follows: Buildings and improvements 15 to 50 years Furniture and equipment 3 to 10 years ( g Other Real Estate Owned Other real estate acquired by foreclosure is carried at fair value less estimated selling costs. Prior to foreclosure, the value of the underlying loan is written down to the fair value of the real estate to be acquired by a charge to the allowance for credit losses, if necessary. Fair value of other real estate owned is generally determined based on an appraisal of the property. Any subsequent operating expenses or income, reduction in estimated values and gains or losses on disposition of such properties are included in other operating expenses. Gain recognition on the disposition of real estate is dependent upon the transaction meeting certain criteria relating to the nature of the property sold and the terms of the sale. Under certain circumstances, revenue recognition may be deferred until these criteria are met. The Bank held no other real estate owned (“OREO”) as of December 31, 2024 and 2023. ( h Impairment of Long-Lived Assets and Long-Lived Assets to Be Disposed Of Long-lived assets and certain identifiable intangibles are required to be reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the fair value of the assets. Assets to be disposed of are reported at the lower of the carrying amount or fair value less costs to sell. ( i ) Pension Benefit Plans The Company and the Bank maintain unfunded non-contributory defined benefit pension plans for a select group of highly compensated employees and directors, as well as a supplemental executive retirement plan. Net periodic benefit cost is recognized over the approximate service period of plan participants and includes discount rate assumptions. See Note 16 of Notes to Consolidated Financial Statements. ( j ) Revenue from Contracts with Customers The following are descriptions of the Company’s sources of Non-interest income within the scope of the FASB’s Accounting Standards Codification Topic 606, Revenue from Contracts with Customers (Topic 606) Service charges on deposit accounts Service charges on deposit accounts include account maintenance and analysis fees and transaction-based fees. Account maintenance and analysis fees consist primarily of account fees and analyzed account fees charged on deposit accounts on a monthly basis. The performance obligation is satisfied and the fees are recognized on a monthly basis as the service period is completed. Transaction-based fees consist of non-sufficient funds fees, wire fees, overdraft fees and fees on other products and services and are charged to deposit customers for specific services provided to the customer. The performance obligation is completed as the transaction occurs and the fees are recognized at the time each specific service is provided to the customer. Investment and brokerage services income The Bank earns investment and brokerage services fees for providing a broad range of alternative investment products and services through Raymond James Financial Services, Inc. Brokerage fees are generally earned in two ways. Brokerage fees for managed accounts charge a set annual percentage fee based on the underlying portfolio value and are earned and recognized on a quarterly basis. Brokerage fees for a standard commission account are charged on a per transaction fee and are earned and recognized at the time of the transaction. Debit card income Debit card income represents fees earned on Bank-issued debit card transactions. The Bank earns interchange fees from debit cardholder transactions through the related payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. The performance obligation is satisfied and the fees are earned when the cost of the transaction is charged to the cardholders’ account. Certain expenses directly associated with the debit card are recorded on a net basis with the interchange income. Other income Other income within the scope of Topic 606 includes check sales fees, bankcard fees, and merchant fees. Check sales fees, based on check sales volume, are received from check printing companies and are recognized monthly. Bankcard fees are earned from the Bank’s credit card program and are recognized monthly as the service period is completed. Merchant fees are earned for card payment services provided to its merchant customers. The Bank has a contract with a third party to provide card payment services to merchants that contract for those services. Merchant fees are recognized monthly as the service period is completed. ( k ) Gain or Loss on Sale of Loans and Servicing Rights Transfers and servicing of financial assets are accounted for and reported based on consistent application of a financial-components approach that focuses on control. Transfers of financial assets that are sales are distinguished from transfers that are secured borrowings. A sale is recognized when the transaction closes and the proceeds are other than beneficial interests in the assets sold. A gain or loss is recognized to the extent that the sales proceeds and the fair value of the servicing asset exceed or are less than the book value of the loan. The Company recognizes an asset for the fair value of the rights to service loans for others when loans are sold on a servicing-retained basis. The Company sold substantially all of its conforming long-term residential mortgage loans originated during the years ended December 31, 2024 and 2023, for cash proceeds equal to the fair value of the loans. Mortgage servicing rights (“MSR”) in loans sold are measured by allocating the previous carrying amount of the transferred assets between the loans sold and retained interest, if any, based on their relative fair value at the date of transfer. The Company determines its classes of servicing assets based on the asset type being serviced along with the methods used to manage the risk inherent in the servicing assets, which includes the market inputs used to value the servicing assets. The Company measures and reports its residential mortgage servicing assets initially at fair value and amortizes the servicing rights in proportion to, and over the period of, estimated net servicing revenues. Management assesses servicing rights for impairment as of each financial reporting date. Fair value adjustments that encompass market-driven valuation changes and the runoff in value that occurs from the passage of time are each separately reported. In determining the fair value of the MSR, the Company uses quoted market prices when available. Subsequent fair value measurements are determined using a discounted cash flow model. In order to determine the fair value of the MSR, the present value of expected future cash flows is estimated. Assumptions used include market discount rates, anticipated prepayment speeds, delinquency and foreclosure rates, and ancillary fee income. This model is periodically validated by an independent external model validation group. The model assumptions and the MSR fair value estimates are also compared to observable trades of similar portfolios as well as to MSR broker valuations and industry surveys, as available. Key assumptions used in measuring the fair value of the MSR as of December 31, were as follows: 2024 2023 Constant prepayment rate 6.76 % 6.09 % Discount rate 10.00 % 10.50 % Weighted average life (years) 7.55 7.99 The expected life of the loan can vary from management’s estimates due to prepayments by borrowers, especially when rates fall. Prepayments in excess of management’s estimates would negatively impact the recorded value of the mortgage servicing rights. The value of the mortgage servicing rights is also dependent upon the discount rate used in the model, which we base on current market rates. Management reviews this rate on an ongoing basis based on current market rates. A significant increase in the discount rate would reduce the value of mortgage servicing rights. ( l Income Taxes The Company accounts for income taxes under the asset and liability method. Under the asset and liability method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the consolidated financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carry forwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. (m) Share Based Compensation The Company accounts for share based compensation transactions whereby the Company receives employee services in exchange for equity instruments, including stock options and restricted stock. The Company recognizes in the Consolidated Statements of Income the grant-date fair value of stock options and other equity-based forms of compensation issued to employees over their requisite service period (generally the vesting period). The fair value of options granted is determined on the date of the grant using a Black-Scholes-Merton pricing model. The grant date fair value of restricted stock is determined by the closing market price of the day prior to the grant date. The Company issues new shares of common stock upon the exercise of stock options. See Note 14 of Notes to Consolidated Financial Statements. ( n ) Earnings Per Share (“EPS”) Basic EPS includes no dilution and is computed by dividing income available to common shareholders by the weighted-average number of common shares outstanding for the period, excluding non-vested restricted shares. Diluted EPS reflects the potential dilution of securities that could share in the earnings of an entity. The number of potential common shares included in annual diluted EPS is a year-to-date average of the number of potential common shares included in each quarter’s diluted EPS computation under the treasury stock method. The calculation of weighted average shares includes two classes of the Company’s outstanding common stock: common stock and restricted stock awards. Holders of restricted stock also receive dividends at the same rate as common shareholders, subject to vesting restrictions, and they both share equally in undistributed earnings. There are no unvested share-based payment awards that contain nonforfeitable rights to dividends. See Note 13 of Notes to Consolidated Financial Statements. ( o ) Advertising Costs Advertising costs were $460 and $474 for the years ended December 31, 2024 and 2023, respectively. Advertising costs are expensed as incurred. ( p Comprehensive Income Accounting principles generally accepted in the United States require that recognized revenue, expenses, gains, and losses be included in net income. Certain changes in assets and liabilities, such as unrealized gain and losses on available-for-sale securities and directors’ and officers’ retirement plans, are reported as a separate component of the equity section of the Consolidated Balance Sheet. Such items, along with net income, are components of comprehensive income. ( q ) Stock Dividend On January 25, 2024, the Company announced that its Board of Directors had declared a 5% stock dividend which resulted in 739,924 shares, which was paid on March 25, 2024 to shareholders of record as of February 29, 2024. On January 23, 2025, the Company announced that its Board of Directors had declared a 5% stock dividend which will result in approximately 759,192 shares, which will be paid on March 25, 2025 to shareholders of record as of February 28, 2025. Data for earnings per share and stock compensation plans for all periods presented have been adjusted to give retroactive effect to stock dividends and stock splits, including the 5% stock dividend declared on January 23, 2025. December 31, 2024 figures included in the Consolidated Balance Sheets and Consolidated Statement of Stockholders’ Equity have been adjusted to reflect the estimated impact of the 2025 stock dividend. Figures that have been adjusted include common stock shares issued and outstanding, common stock balance and retained earnings balance. The December 31, 2023 and 2022 balances included in the Consolidated Balance Sheets and Statement of Stockholders’ Equity have not been adjusted to retroactively reflect the stock dividends, but instead show the historical rollforward of stock dividends declared. ( r ) Segment Reporting The Company is a holding company for a community bank, which offers a wide array of products and services to its customers. The Bank’s primary business is that of a traditional banking institution, gathering deposits and originating loans in its respective primary market areas. Pursuant to its banking strategy, emphasis is placed on building relationships with its customers, as opposed to building specific lines of business. As a result, the Company is not organized around discernible lines of business and prefers to work as an integrated unit to customize solutions for its customers, with business line emphasis and product offerings changing over time as needs and demands change. The Company’s operations are managed, and financial performance is evaluated by our chief operating decision maker on a Company-wide basis. The performance of the Company is reviewed monthly by the Company’s executive management and Board of Directors. As resource allocation and performance decisions are not made based on discrete financial information of individual lines of business, the Company considers its current business and operations as a single reportable operating (s) Business Combinations The Company accounts for acquisitions of businesses using the acquisition method of accounting. Under the acquisition method, assets acquired and liabilities assumed are recorded at their estimated fair values at the date of acquisition. Management utilizes various valuation techniques including discounted cash flow analyses to determine these fair values. Any excess of the purchase consideration over the fair value of acquired assets, including identifiable intangible assets, and liabilities assumed is recorded as goodwill and a deficit is recognized as a bargain purchase gain. Goodwill and intangible assets acquired in a business combination and that are determined to have an indefinite useful life

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2024
Investment Securities [Abstract]
Investment Securities	(2) Investment Securities The amortized cost, unrealized gains and losses, estimated fair values and related allowance for credit losses on investments in debt and other securities at December 31, 2024 are summarized as follows: Amortized cost Unrealized gains Unrealized losses Estimated fair value ACL Investment securities available-for-sale: U.S. Treasury securities $ 107,188 $ 134 $ (1,777 ) $ 105,545 $ — Securities of U.S. government agencies and corporations 100,218 62 (4,596 ) 95,684 — Obligations of states and political subdivisions 72,576 87 (5,072 ) 67,591 — Collateralized mortgage obligations 113,641 5 (18,701 ) 94,945 — Mortgage-backed securities 288,723 70 (18,705 ) 270,088 — Total debt securities $ 682,346 $ 358 $ (48,851 ) $ 633,853 $ — The amortized cost, unrealized gains and losses, estimated fair values and related allowance for credit losses on investments in debt and other securities at December 31, 2023 are summarized as follows: Amortized Unrealized gains Unrealized losses Estimated fair value ACL Investment securities available-for-sale: U.S. Treasury securities $ 90,063 $ 134 $ (3,015 ) $ 87,182 $ — Securities of U.S. government agencies and corporations 121,305 105 (6,331 ) 115,079 — Obligations of states and political subdivisions 55,021 237 (3,581 ) 51,677 — Collateralized mortgage obligations 107,658 15 (16,726 ) 90,947 — Mortgage-backed securities 246,267 242 (19,037 ) 227,472 — Total debt securities $ 620,314 $ 733 $ (48,690 ) $ 572,357 $ — Gross realized gains from sales and calls of available-for-sale securities were $0 and $96 for the years ended December 31, 2024 and 2023, respectively. Gross realized losses from sales of available-for-sale securities were $234 and $208 for the years ended December 31, 2024 and 2023, respectively. The amortized cost and estimated fair value of debt and other securities at December 31, 2024, by contractual maturity, are shown in the following table: Amortized cost Estimated fair value Maturity in years: Due in one year or less $ 62,647 $ 62,107 Due after one year through five years 131,918 127,071 Due after five years through ten years 40,745 38,370 Due after ten years 44,672 41,272 Subtotal 279,982 268,820 Mortgage-backed securities and Collateralized mortgage obligations 402,364 365,033 Total $ 682,346 $ 633,853 Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. In addition, factors such as prepayments and interest rates may affect the yield on the carrying value of mortgage-related securities. An analysis of gross unrealized losses of the available-for-sale investment securities portfolio as of December 31, 2024, follows: Less than 12 months 12 months or more Total Fair Value Unrealized losses Fair Value Unrealized losses Fair Value Unrealized losses U.S. Treasury securities $ 27,055 $ (431 ) $ 42,603 $ (1,346 ) $ 69,658 $ (1,777 ) Securities of U.S. government agencies and corporations 22,383 (471 ) 58,585 (4,125 ) 80,968 (4,596 ) Obligations of states and political subdivisions 33,078 (1,083 ) 29,025 (3,989 ) 62,103 (5,072 ) Collateralized mortgage obligations 28,937 (1,860 ) 62,320 (16,841 ) 91,257 (18,701 ) Mortgage-backed securities 110,599 (2,715 ) 143,892 (15,990 ) 254,491 (18,705 ) Total $ 222,052 $ (6,560 ) $ 336,425 $ (42,291 ) $ 558,477 $ (48,851 ) One hundred fifty-five securities, all considered investment grade, which had a fair value of $222,052 and a total unrealized loss of $6,560, have been in an unrealized loss position for less than twelve months as of December 31, 2024. Three hundred seventy-five securities, all considered investment grade, which had a fair value of $336,425 and total unrealized loss of $42,291, have been in an unrealized loss position for more than twelve months as of December 31, 2024. The unrealized losses on the Company’s investment securities were caused by market conditions for these types of investments, particularly changes in risk-free interest rates. The decline in fair value is attributable to changes in interest rates and not credit quality, and the Company does not intend to sell the securities. The Company has concluded it is not more likely than not that the Company will be required to sell these securities prior to recovery of their anticipated cost basis. Therefore, as of December 31, 2024 and December 31, 2023, the Company had not recorded an allowance for credit losses on these securities and the unrecognized or unrealized losses on these securities have not been recognized into income. The fair value of investment securities could decline in the future if the general economy deteriorates, inflation increases, credit ratings decline, the issuer’s financial condition deteriorates, or the liquidity for securities declines. As a result, a credit loss may occur in the future. An analysis of gross unrealized losses of the available-for-sale investment securities portfolio as of December 31, 2023, follows: Less than 12 months 12 months or more Total Fair Value Unrealized losses Fair Value Unrealized losses Fair Value Unrealized losses U.S. Treasury Securities $ — $ - $ 77,203 $ (3,015 ) $ 77,203 $ (3,015 ) Securities of U.S. government agencies and corporation 3,424 (7 ) 97,057 (6,324 ) 100,481 (6,331 ) Obligations of states and political subdivision 4,981 (31 ) 32,578 (3,550 ) 37,559 (3,581 ) Collateralized mortgage obligations 6,597 (26 ) 80,995 (16,700 ) 87,592 (16,726 ) Mortgage-backed securities 17,023 (124 ) 182,626 (18,913 ) 199,649 (19,037 ) Total $ 32,025 $ (188 ) $ 470,459 $ (48,502 ) $ 502,484 $ (48,690 ) Investment securities carried at $53,589 and $43,884 at December 31, 2024 and 2023, respectively, were pledged to secure public deposits or for other purposes as required or permitted by law.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2024
Loans and Allowance for Credit Losses [Abstract]
Loans and Allowance for Credit Losses	(3) Loans and Allowance for Credit Losses The composition of the Company’s loan portfolio, by loan class, as of December 31, is as follows: 2024 2023 Commercial $ 117,921 $ 106,897 Commercial Real Estate 723,650 721,729 Agriculture 92,564 105,838 Residential Mortgage 105,886 107,328 Residential Construction 6,858 12,323 Consumer 15,716 14,868 1,062,595 1,068,983 Allowance for credit losses (15,885 ) (16,596 ) Net deferred origination fees and costs 142 78 Loans, net $ 1,046,852 $ 1,052,465 At December 31, 2024 and 2023, all loans were pledged under a blanket collateral lien to secure actual and potential borrowings from the Federal Home Loan Bank. Allowance for Credit Losses The following table summarizes the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the Consolidated Balance Sheets within other liabilities as of December 31, 2024: Allowance for Credit Losses – Year ended December 31, 2024 ($ in thousands) Beginning balance Charge-offs Recoveries Provision (Recovery) Ending Balance Commercial $ 2,041 $ (956 ) $ 60 $ 477 $ 1,622 Commercial Real Estate 10,864 — — (619 ) 10,245 Agriculture 997 — — 558 1,555 Residential Mortgage 2,005 — — (226 ) 1,779 Residential Construction 334 — — 99 433 Consumer 355 (28 ) 13 (89 ) 251 Allowance for credit losses on loans 16,596 (984 ) 73 200 15,885 Reserve for unfunded commitments 1,150 — — (450 ) 700 Total $ 17,746 $ (984 ) $ 73 $ (250 ) $ 16,585 The following table summarizes the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the Consolidated Balance Sheets within other liabilities as of December 31, 2023: Allowance for Credit Losses – Year ended December 31, 2023 ($ in thousands) Beginning balance Adoption of CECL Charge-offs Recoveries Provision (Recovery) Ending Balance Commercial $ 1,491 $ 689 $ (366 ) $ 235 $ (8 ) $ 2,041 Commercial Real Estate 10,259 (513 ) — — 1,118 10,864 Agriculture 1,789 (742 ) (2,567 ) 2,567 (50 ) 997 Residential Mortgage 896 923 (3 ) — 189 2,005 Residential Construction 181 221 — — (68 ) 334 Consumer 176 222 (13 ) 1 (31 ) 355 Allowance for credit losses on loans 14,792 800 (2,949 ) 2,803 1,150 16,596 Reserve for unfunded commitments 700 500 — — (50 ) 1,150 Total $ 15,492 $ 1,300 $ (2,949 ) $ 2,803 $ 1,100 $ 17,746 The Company utilizes two economic variables, forecasted unemployment and gross domestic product, as loss drivers for its allowance for credit losses. The Company moved from California state loss drivers to national loss drivers at the beginning of 2024. The reason for the change is a higher credit loss correlation between the national loss driver variables than the state loss driver variables. The levels of forecasted national unemployment and forecasted gross domestic product are forecasted to be relatively stable. A decrease in unfunded commitments was the primary driver for the reversal of provision expense of $250 recognized for the year ended December 31, 2024. Management believes that the allowance for credit losses at December 31, 2024 appropriately reflected expected credit losses in the loan portfolio at that date. Collateral-Dependent Loans In accordance with ASC 326, a loan is considered collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. All loans individually analyzed were collateral-dependent loans as of December 31, 2024 and December 31, 2023. The following table presents the amortized cost basis of collateral-dependent loans by class, which are individually evaluated to determine expected credit losses as of December 31, 2024 and December 31, 2023: December 31, 2024 ($ in thousands) Secured by 1-4 Family Residential Properties-1st lien Secured by 1-4 Family Residential Properties- junior lien Secured by 1-4 Family Residential Properties- revolving Commercial Construction and land development Commercial $ — $ — $ — $ 139 $ — Commercial Real Estate — — — — — Agriculture — — — — — Residential Mortgage 202 — — — — Residential Construction — — — — — Consumer — 282 360 — — Total $ 202 $ 282 $ 360 $ 139 $ — ($ in thousands) Secured by farmland Agriculture production loans Loans secured by owner- occupied, nonfarm nonresidential properties Loans secured by other nonfarm nonresidential properties Total Commercial $ — $ — $ — $ — $ 139 Commercial Real Estate — — — 7,993 7,993 Agriculture 740 1,496 — — 2,236 Residential Mortgage — — — — 202 Residential Construction — — — — — Consumer — — — — 642 Total $ 740 $ 1,496 $ — $ 7,993 $ 11,212 December 31, 2023 ($ in thousands) Secured by 1-4 Family Residential Properties-1st lien Secured by 1-4 Family Residential Properties- Secured by 1-4 Family Residential Properties- revolving Commercial Construction and land development Commercial $ — $ — $ — $ — $ — Commercial Real Estate — — — — — Agriculture — — — — — Residential Mortgage 424 — — — — Residential Construction — — — — — Consumer — 351 352 — — Total $ 424 $ 351 $ 352 $ — $ — ($ in thousands) Secured by farmland Agriculture production loans Loans secured by owner- occupied, nonfarm nonresidential properties Loans secured by other nonfarm nonresidential properties Total Commercial $ — $ — $ — $ — $ — Commercial Real Estate — — — — — Agriculture 946 1,925 — — 2,871 Residential Mortgage — — — — 424 Residential Construction — — — — — Consumer — — — — 703 Total $ 946 $ 1,925 $ — $ — $ 3,998 Foreclosure Proceedings The Company had no residential real estate property in the process of foreclosure at December 31, 2024 and December 31, 2023. Non-accrual and Past Due Loans The Company’s loans by delinquency and non-accrual status, as of December 31, 2024 and December 31, 2023, was as follows: ($ in thousands) 30-59 days Past Due & Accruing 60-89 days Past Due & Accruing 90 days or More Past Due & Accruing Nonaccrual Loans Total Past Due & Nonaccrual Loans Current & Accruing Loans Total Loans Nonaccrual loans with No ACL December 31, 2024 Commercial $ 2,287 $ — $ — $ 139 $ 2,426 $ 115,495 $ 117,921 $ 139 Commercial Real Estate — — — 7,993 7,993 715,657 723,650 7,993 Agriculture 1,354 500 — 2,236 4,090 88,474 92,564 2,236 Residential Mortgage 749 — — 202 951 104,935 105,886 202 Residential Construction — — — — — 6,858 6,858 — Consumer — 10 — 642 652 15,064 15,716 642 Total $ 4,390 $ 510 $ — $ 11,212 $ 16,112 $ 1,046,483 $ 1,062,595 $ 11,212 December 31, 2023 Commercial $ 91 $ 178 $ — $ — $ 269 $ 106,628 $ 106,897 $ — Commercial Real Estate — — — — — 721,729 721,729 — Agriculture — — — 2,871 2,871 102,967 105,838 2,871 Residential Mortgage 976 — 916 424 2,316 105,012 107,328 424 Residential Construction — — 3,420 — 3,420 8,903 12,323 — Consumer 194 — — 703 897 13,971 14,868 703 Total $ 1,261 $ 178 $ 4,336 $ 3,998 $ 9,773 $ 1,059,210 $ 1,068,983 $ 3,998 The Company recognized $450 and $1,626 of interest income on nonaccrual loans during the years ended December 31, 2024 and December 31, 2023, respectively. Loan Modifications Occasionally, the Company modifies loans to borrowers in financial difficulty by providing principal forgiveness, term extension, payment delays or interest rate reduction. When principal forgiveness is provided, the amount of forgiveness is charged-off against the ACL. In some cases, the Company provides multiple types of concessions on one loan. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession, such as principal forgiveness, may be granted. For the loans included in the “combination” columns below, multiple types of modifications have been made on the same loan within the current reporting period. The combination is at least two of the following: a term extension, principal forgiveness, an other-than-insignificant payment delay and/or an interest rate reduction. The following tables present the amortized cost basis of loans that were experiencing both financial difficulty and modification during the periods indicated, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial difficulty as compared to the amortized cost basis of each class of financing receivable is also presented below. The amortized cost basis of loans that were experiencing both financial difficulty and modification during the year ended December 31, 2024 were as follows: ($ in thousands) Term Extension Combination Term Extension and Interest Rate Reduction Total Class of Financing Receivable Commercial $ 1,832 $ 45 1.59 % Commercial Real Estate — — — Agriculture — — — Residential Mortgage — — — Residential Construction — — — Consumer — — — Total $ 1,832 $ 45 0.18 % The Company had no commitments to lend additional funds to borrowers whose loans were modified at December 31, 2024. The amortized cost basis of loans that were experiencing both financial difficulty and modification during the year ended December 31, 2023 were as follows: ($ in thousands) Term Extension Combination Term Extension and Interest Rate Reduction Total Class of Financing Receivable Commercial $ 1,990 $ 41 1.90 % Commercial Real Estate — 395 0.05 % Agriculture 4,005 — 3.78 % Residential Mortgage — — — Residential Construction 3,420 — 27.75 % Consumer — — — Total $ 9,415 $ 436 0.92 % The Company had no commitments to lend additional funds to borrowers whose loans were modified at December 31, 2023. The following table presents the financial effect of the loan modifications to borrowers experiencing financial difficulty during the year ended December 31, 2024: ($ in thousands) Weighted-Average Interest Rate Reduction Weighted-Average Term Extension (in months) Commercial 3.00 % $ 9 Commercial Real Estate — — Agriculture — — Residential Mortgage — — Residential Construction — — Consumer — — Total 3.00 % $ 9 The following table presents the financial effect of the loan modifications to borrowers experiencing financial difficulty during the year ended December 31, 2023: ($ in thousands) Weighted-Average Interest Rate Reduction Weighted-Average Term Extension (in months) Commercial 0.50 % $ 3 Commercial Real Estate 0.25 % 26 Agriculture — 4 Residential Mortgage — — Residential Construction — 1 Consumer — — Total 0.27 % $ 3 Loans that were modified within the previous twelve months were current on payments as of December 31, 2024 Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently become uncollectible, the loan (or a portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the ACL is adjusted by the same amount. Credit Quality Indicators All new loans are rated using the credit risk ratings and criteria adopted by the Company. Risk ratings are adjusted as future circumstances warrant. All credits risk rated 1, 2, 3 or 4 equate to a Pass as indicated by Federal and State regulatory agencies; a 5 equates to a Special Mention; a 6 equates to Substandard; a 7 equates to Doubtful; and an 8 equates to a Loss. General definitions for each risk rating are as follows: Risk Rating “1” – Pass (High Quality): This category is reserved for loans fully secured by Company CDs or savings accounts and properly margined (as defined in the Company’s Credit Policy) and actively traded securities (including stocks, as well as corporate, municipal and U.S. Government bonds). Risk Rating “2” – Pass (Above Average Quality): This category is reserved for borrowers with strong balance sheets that are well structured with manageable levels of debt and good liquidity. Cash flow is sufficient to service all debt, including the Company’s, as agreed. Historical earnings, cash flow, and payment performance have all been strong and trends are positive and consistent. Collateral protection is better than the Company’s Credit Policy guidelines. Risk Rating “3” – Pass (Average Quality): Credits within this category are considered to be of average, but acceptable, quality. Loan characteristics, including term and collateral advance rates, meet the Company’s Credit Policy guidelines; unsecured lines to borrowers with above average liquidity and cash flow may be considered for this category; the borrower’s financial strength is well documented, with adequate, but consistent, cash flow to meet all obligations. Liquidity should be sufficient and leverage should be moderate. Monitoring of collateral may be required, including a borrowing base or construction budget. Alternative financing is typically available. Risk Rating “4” – Pass (Below Average Quality): Credits within this category are considered sound, but merit additional attention due to industry concentrations within the borrower’s customer base, problems within their industry, deteriorating financial or earnings trends, declining collateral values, increased frequency of past due payments and/or overdrafts, discovery of documentation deficiencies which may impair our borrower’s ability to repay, or the Company’s ability to liquidate collateral. Financial performance is average but inconsistent. There also may be changes of ownership, management or professional advisors, which could be detrimental to the borrower’s future performance. Risk Rating “5” – Special Mention (Criticized): Loans in this category are currently protected by their collateral value and have no loss potential identified, but have potential weaknesses which may, if not monitored or corrected, weaken our ability to collect payments from the borrower or satisfactorily liquidate our collateral position. Loans where terms have been modified due to their failure to perform as agreed may be included in this category. Adverse trends in the borrower’s operation, such as reporting losses or inadequate cash flow, increasing and unsatisfactory leverage, or an adverse change in economic or market conditions may have weakened the borrower’s business and impaired their ability to repay based on original terms. The condition or value of the collateral has deteriorated to the point where adequate protection for our loan may be jeopardized in the future. Loans in this category are in transition and, generally, do not remain in this category beyond 12 months. During this time, efforts are focused on strategies aimed at upgrading the credit or locating alternative financing. Risk Rating “6” – Substandard (Classified): Loans in this category are inadequately protected by the borrower’s net worth, capacity to repay or collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the repayment of the debt. There exists a strong possibility of loss if the deficiencies are not corrected. Loans that are dependent on the liquidation of collateral to repay are included in this category, as well as borrowers in bankruptcy or where legal action is required to effect collection of our debt. Risk Rating “7” – Doubtful (Classified): Loans in this category indicate all of the weaknesses of a Substandard classification, however, collection of loan principal, in full, is highly questionable and improbable; possibility of loss is very high, but there is still a possibility that certain collection strategies may, yet, be successful, rendering a definitive loss difficult to estimate, at this time. Loans in this category are in transition and, generally, do not remain in this category more than 6 months. Risk Rating “8” – Loss (Classified): Active Charge-Off. Loans in this category are considered uncollectible and of such little value that their removal from the Company’s books is required. The charge-off is pending or already processed. Collateral positions have been or are in the process of being liquidated and the borrower/guarantor may or may not be cooperative in repayment of the debt. Recovery prospects are unknown, but the Company is actively engaged in the collection of the loan. Inactive Charge-Off. Loans in this category are considered uncollectible and of such little value that their removal from the Company’s books is required. The charge-off is pending or already processed. Collateral positions have been liquidated and the borrower/guarantor has nothing of any value remaining to apply to the repayment of our loan. Any further collection activities would be of little value. The following tables present the loan portfolio by loan class, origination year, and internal risk rating as of December 31, 2024 and December 31, 2023. Generally, existing term loans that were re-underwritten are reflected in the table in the year of renewal. Lines of credit that have a conversion feature at the time of origination, such as construction to permanent loans, are presented by year of origination. Revolving loans converted to term loans totaled $3,121 and $881 as of December 31, 2024 and December 31, 2023, respectively. (in thousands) Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total Commercial Pass $ 36,065 $ 14,319 $ 11,885 $ 11,894 $ 3,442 $ 8,030 $ 27,272 $ 112,907 Special Mention — — 874 1,561 — — 1,590 4,025 Substandard 227 — — 32 471 — 259 989 Doubtful/Loss — — — — — — — — Total Commercial loans $ 36,292 $ 14,319 $ 12,759 $ 13,487 $ 3,913 $ 8,030 $ 29,121 $ 117,921 Year-to-date Charge-offs (47 ) (508 ) (224 ) (5 ) (163 ) (9 ) — (956 ) Year-to-date Recoveries — — 4 — — 56 — 60 Year-to-date Net Charge-offs (47 ) (508 ) (220 ) (5 ) (163 ) 47 — (896 ) Commercial Real Estate Pass $ 68,278 $ 113,937 $ 178,142 $ 160,484 $ 39,913 $ 121,862 $ 6,529 $ 689,145 Special Mention 2,909 — — 7,156 — 5,737 — 15,802 Substandard — 381 — 2,052 1,638 14,632 — 18,703 Doubtful/Loss — — — — — — — — Total Commercial Real Estate loans $ 71,187 $ 114,318 $ 178,142 $ 169,692 $ 41,551 $ 142,231 $ 6,529 $ 723,650 Year-to-date Charge-offs — — — — — — — — Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — — — — Agriculture Pass $ 4,857 $ 6,562 $ 14,846 $ 17,245 $ 5,675 10,252 $ 20,420 $ 79,857 Special Mention — — 3,884 5,477 726 — 300 10,387 Substandard — — — 740 — — 1,580 2,320 Doubtful/Loss — — — — — — — — Total Agriculture loans $ 4,857 $ 6,562 $ 18,730 $ 23,462 $ 6,401 $ 10,252 $ 22,300 $ 92,564 Year-to-date Charge-offs — — — — — — — — Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — — — — (in thousands) Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total Residential Mortgage Pass $ 4,873 $ 20,162 $ 22,408 $ 26,123 $ 13,233 $ 18,886 $ — $ 105,685 Special Mention — — — — — — — — Substandard 79 — — 34 — 88 — 201 Doubtful/Loss — — — — — — — — Total Residential Mortgage loans $ 4,952 $ 20,162 $ 22,408 $ 26,157 $ 13,233 $ 18,974 $ — $ 105,886 Year-to-date Charge-offs — — — — — — — — Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — — — — Residential Construction Pass $ 1,525 $ 2,117 $ 1,998 $ 1,218 $ — $ — $ — $ 6,858 Special Mention — — — — — — — — Substandard — — — — — — — — Doubtful/Loss — — — — — — — — Total Residential Construction loans $ 1,525 $ 2,117 $ 1,998 $ 1,218 $ — $ — $ — $ 6,858 Year-to-date Charge-offs — — — — — — — — Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — — — — Consumer Pass $ 212 $ 145 $ 1,129 $ 109 $ 122 $ 286 $ 13,071 $ 15,074 Special Mention — — — — — — — — Substandard — — — — — — 642 642 Doubtful/Loss — — — — — — — — Total Consumer loans $ 212 $ 145 $ 1,129 $ 109 $ 122 $ 286 $ 13,713 $ 15,716 Year-to-date Charge-offs (28 ) — — — — — — (28 ) Year-to-date Recoveries 10 — — — — 3 — 13 Year-to-date Net Charge-offs (18 ) — — — — 3 — (15 ) Total Loans Pass $ 115,810 $ 157,242 $ 230,408 $ 217,073 $ 62,385 $ 159,316 $ 67,292 $ 1,009,526 Special Mention 2,909 — 4,758 14,194 726 5,737 1,890 30,214 Substandard 306 381 — 2,858 2,109 14,720 2,481 22,855 Doubtful/Loss — — — — — — — — Total Loans $ 119,025 $ 157,623 $ 235,166 $ 234,125 $ 65,220 $ 179,773 $ 71,663 $ 1,062,595 Year-to-date Charge-offs $ (75 ) $ (508 ) $ (224 ) $ (5 ) $ (163 ) $ (9 ) $ — $ (984 ) Year-to-date Recoveries $ 10 $ — $ 4 $ — $ — $ 59 $ — $ 73 Year-to-date Net Charge-offs $ (65 ) $ (508 ) $ (220 ) $ (5 ) $ (163 ) $ 50 $ — $ (911 ) (in thousands) Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial Pass $ 19,776 $ 16,961 $ 15,833 $ 5,381 $ 7,420 $ 6,298 $ 26,183 $ 97,852 Special Mention — 1,122 2,530 235 308 — 2,936 7,131 Substandard — 32 1,152 542 — — 188 1,914 Doubtful/Loss — — — — — — — — Total Commercial loans $ 19,776 $ 18,115 $ 19,515 $ 6,158 $ 7,728 $ 6,298 $ 29,307 $ 106,897 Year-to-date Charge-offs (47 ) (196 ) (36 ) — (87 ) — — (366 ) Year-to-date Recoveries — — — — 87 148 — 235 Year-to-date Net Charge-offs (47 ) (196 ) (36 ) — — 148 — (131 ) Commercial Real Estate Pass $ 115,807 $ 173,918 $ 191,907 $ 50,150 $ 52,157 $ 107,909 $ 6,879 $ 698,727 Special Mention — — 7,448 — 2,869 1,273 — 11,590 Substandard 395 — 1,712 1,684 6,604 1,017 — 11,412 Doubtful/Loss — — — — — — — — Total Commercial Real Estate loans $ 116,202 $ 173,918 $ 201,067 $ 51,834 $ 61,630 $ 110,199 $ 6,879 $ 721,729 Year-to-date Charge-offs — — — — — — — — Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — — — — Agriculture Pass $ 6,842 $ 16,985 $ 20,511 $ 8,792 $ 2,509 11,437 $ 29,893 $ 96,969 Special Mention — 1,937 2,996 — — 1,064 — 5,997 Substandard — — 946 — 1,926 — — 2,872 Doubtful/Loss — — — — — — — — Total Agriculture loans $ 6,842 $ 18,922 $ 24,453 $ 8,792 $ 4,435 $ 12,501 $ 29,893 $ 105,838 Year-to-date Charge-offs (1,825 ) — — — — — (742 ) (2,567 ) Year-to-date Recoveries 1,825 — — — — — 742 2,567 Year-to-date Net Charge-offs — — — — — — — — (in thousands) Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Residential Mortgage Pass $ 20,239 $ 24,906 $ 26,429 $ 14,500 $ 5,481 $ 15,349 $ — $ 106,904 Special Mention — — — — — — — — Substandard — — 39 — — 385 — 424 Doubtful/Loss — — — — — — — — Total Residential Mortgage loans $ 20,239 $ 24,906 $ 26,468 $ 14,500 $ 5,481 $ 15,734 $ — $ 107,328 Year-to-date Charge-offs — — — — — (3 ) — (3 ) Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — (3 ) — (3 ) Residential Construction Pass $ 3,714 $ 1,991 $ 3,198 $ — $ — $ — $ — $ 8,903 Special Mention — — — — — — — — Substandard — 3,420 — — — — — 3,420 Doubtful/Loss — — — — — — — — Total Residential Construction loans $ 3,714 $ 5,411 $ 3,198 $ — $ — $ — $ — $ 12,323 Year-to-date Charge-offs — — — — — — — — Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — — — — Consumer Pass $ 350 $ 758 $ 133 $ 149 $ 70 $ 273 $ 12,516 $ 14,249 Special Mention — — — — — — — — Substandard — — — — — — 619 619 Doubtful/Loss — — — — — — — — Total Consumer loans $ 350 $ 758 $ 133 $ 149 $ 70 $ 273 $ 13,135 $ 14,868 Year-to-date Charge-offs (13 ) — — — — — — (13 ) Year-to-date Recoveries — — — — — 1 — 1 Year-to-date Net Charge-offs (13 ) — — — — 1 — (12 ) Total Loans Pass $ 166,728 $ 235,519 $ 258,011 $ 78,972 $ 67,637 $ 141,266 $ 75,471 $ 1,023,604 Special Mention — 3,059 12,974 235 3,177 2,337 2,936 24,718 Substandard 395 3,452 3,849 2,226 8,530 1,402 807 20,661 Doubtful/Loss — — — — — — — — Total Loans $ 167,123 $ 242,030 $ 274,834 $ 81,433 $ 79,344 $ 145,005 $ 79,214 $ 1,068,983 Year-to-date Charge-offs $ (1,885 ) $ (196 ) $ (36 ) $ — $ (87 ) $ (3 ) $ (742 ) $ (2,949 ) Year-to-date Recoveries $ 1,825 $ — $ — $ — $ 87 $ 149 $ 742 $ 2,803 Year-to-date Net Charge-offs $ (60 ) $ (196 ) $ (36 ) $ — $ — $ 146 $ — $ (146 )

Mortgage Operations

Mortgage Operations	12 Months Ended
	Dec. 31, 2024
Mortgage Operations [Abstract]
Mortgage Operations	(4) Mortgage Operations The Company recognizes a gain or loss and a related asset for the fair value of the rights to service loans for others when loans are sold and servicing is retained. The Company sold a substantial portion of its portfolio of conforming long-term residential mortgage loans originated during The recorded value of mortgage servicing rights is amortized in proportion to, and over the period of, estimated net servicing revenues. The Company assesses capitalized mortgage servicing rights for impairment based upon the fair value of those rights at each reporting date. For purposes of measuring impairment, the rights are stratified based upon the product type, term and interest rates. Fair value is determined by discounting estimated net future cash flows from mortgage servicing activities using discount rates that approximate current market rates and estimated prepayment rates, among other assumptions. The amount of impairment recognized, if any, is the amount by which the capitalized mortgage servicing rights for a stratum exceeds their fair value. Impairment, if any, is recognized through a valuation allowance for each individual stratum. Changes in the carrying amount of mortgage servicing rights are reported in earnings under other operating income on the Consolidated Statements of Income. The following table summarizes the activity related to the Company’s mortgage servicing rights assets for the years ended December 31, 2024 and 2023. Mortgage servicing rights are included in Interest Receivable and Other Assets on the Consolidated Balance Sheets. December 31, 2023 Additions Reductions December 31, 2024 Mortgage servicing rights $ 1,482 $ 38 $ (208 ) $ 1,312 Valuation allowance — — — — Mortgage servicing rights, net of valuation allowance $ 1,482 $ 38 $ (208 ) $ 1,312 December 31, 2022 Additions Reductions December 31, 2023 Mortgage servicing rights $ 1,650 $ 67 $ (235 ) $ 1,482 Valuation allowance — — — — Mortgage servicing rights, net of valuation allowance $ 1,650 $ 67 $ (235 ) $ 1,482 At December 31, 2024 and December 31, 2023, the estimated fair market value of the Company’s mortgage servicing rights asset was $1,910 and $2,094, respectively. The changes in fair value of mortgage servicing rights during 2024 and 2023 were primarily due to amortization and increase in estimated prepayment speeds The Company received contractually specified servicing fees of $450 and $473 for the years ended December 31, 2024 and 2023, respectively. Contractually specified servicing fees are included in Other Income

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2024
Premises and Equipment [Abstract]
Premises and Equipment	(5) Premises and Equipment Premises and equipment consisted of the following at December 31, of the indicated years: 2024 2023 Land $ 2,823 $ 2,823 Buildings 8,703 8,659 Furniture and equipment 15,279 14,980 Leasehold improvements 2,673 2,673 29,478 29,135 Less accumulated depreciation and amortization 20,230 19,173 $ 9,248 $ 9,962 Depreciation and amortization expense, included in occupancy and equipment expense, was $1,057 and $1,002 for the years ended December 31, 2024 and 2023, respectively.

Interest Receivable and Other A

Interest Receivable and Other Assets	12 Months Ended
	Dec. 31, 2024
Interest Receivable and Other Assets [Abstract]
Interest Receivable and Other Assets	(6) Interest Receivable and Other Assets Interest receivable and other assets consisted of the following at December 31, of the indicated years: 2024 2023 Interest receivable $ 7,660 $ 6,810 Mortgage servicing rights asset (see Note 4) 1,312 1,482 Officer’s life insurance 16,058 15,638 Deferred tax assets, net (see Note 17) 19,042 19,594 Operating lease right-of-use asset (see Note 8) 3,155 4,073 Prepaid and other 5,181 5,871 $ 52,408 $ 53,468

Short-Term and Long-Term Borrow

Short-Term and Long-Term Borrowings	12 Months Ended
	Dec. 31, 2024
Short-Term and Long-Term Borrowings [Abstract]
Short-Term and Long-Term Borrowings	(7) Short-Term and Long-Term Borrowings The Company had no secured borrowings and no Federal Funds purchased at December 31, 2024 and December 31, 2023. Additional short-term borrowings available to the Company consist of a line of credit and advances with the Federal Home Loan Bank (“FHLB”) secured under terms of a blanket collateral agreement by a pledge of FHLB stock and all loans. At December 31, 2024, the Company had a current collateral borrowing capacity with the FHLB of $403,087 and, at such date, also had unsecured formal lines of credit totaling $130,000 with correspondent banks. The Company had no long-term borrowings at December 31, 2024 and 2023.

Leases

Leases	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Leases	(8) Leases The Company leases ten branch and administrative locations under operating leases expiring on various dates through 2031. Leases with an initial term of 12 months or less are not recorded on the balance sheet and lease expense is recognized on a straight-line basis over the lease term. For lease agreements entered into or reassessed after the adoption of Topic 842, the Company combines lease and nonlease components. The Bank had no financing leases as of December 31, 2024. Most leases include options to renew, with renewal terms that can extend the lease term from 3 to 10 years. The exercise of lease renewal options is at the Company’s sole discretion. Most leases are currently in the extension period. For the remaining leases with options to renew, the Company has not included the extended lease terms in the calculation of lease liabilities as the options are not reasonably certain of being exercised. Certain lease agreements include rental payments that are adjusted periodically for inflation. The Company’s lease agreements do not contain any residual value guarantees or restrictive covenants. The Company uses its FHLB advance fixed rates, which are its incremental borrowing rates for secured borrowings, as the discount rates to calculate lease liabilities. The Company had right-of-use assets totaling $3,155 and $4,073 as of December 31, 2024 and December 31, 2023, respectively. Right-of-use assets are included in Interest receivable and other assets Interest payable and other liabilities The table below summarizes the payments of remaining lease liabilities at December 31: (in thousands) 2024 2025 $ 1,052 2026 672 2027 611 2028 625 2029 566 2030 and thereafter 329 Total lease payments 3,855 Less: interest (210 ) Present value of lease liabilities $ 3,645 The following table presents supplemental cash flow information related to leases for the year ended December 31: (in thousands) 2024 2023 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 1,098 $ 1,207 Right-of-use assets obtained in exchange for new operating lease liabilities $ — $ 245 The following table presents the weighted average operating lease term and discount rate at December 31: 2024 2023 Weighted-average remaining lease term - operating leases, in years 4.87 5.43 Weighted-average discount rate - operating leases 2.36 % 2.42 %

Financial Instruments with Off-

Financial Instruments with Off-Balance Sheet Risk	12 Months Ended
	Dec. 31, 2024
Financial Instruments with Off-Balance Sheet Risk [Abstract]
Financial Instruments with Off-Balance Sheet Risk	(9) Financial Instruments with Off-Balance Sheet Risk The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit in the form of loans or through standby letters of credit in addition to entering into commitments to sell loans in conjunction with our mortgage banking activities. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the balance sheet. The contract amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments. The Bank’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual notional amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Financial instruments, whose contract amounts represent credit risk at December 31 of the indicated periods, were as follows: 2024 2023 Undisbursed loan commitments $ 140,092 $ 187,401 Standby letters of credit 922 1,251 $ 141,014 $ 188,652 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, and income-producing commercial properties. Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank issues both financial and performance standby letters of credit. The financial standby letters of credit are primarily to guarantee payment to third parties. At December 31, 2024, there were no financial standby letters of credit outstanding. The performance standby letters of credit are typically issued to municipalities as specific performance bonds. At December 31, 2024, there was $922 issued in performance standby letters of credit and the Bank carried no liability. The Bank has experienced no draws on these letters of credit and does not expect to in the future; however, should a triggering event occur, the Bank either has collateral in excess of the letter of credit or imbedded agreements of recourse from the customer. The Bank has set aside a reserve for unfunded commitments in the amount of $700 and $1,150 at December 31, 2024 and 2023, respectively, which is recorded in “interest payable and other liabilities” on the Consolidated Balance Sheets. Commitments to extend credit and standby letters of credit bear similar credit risk characteristics as outstanding loans. As of December 31, 2024, the Company had no off-balance sheet derivatives requiring additional disclosure. The Company may enter into interest rate lock commitments in connection with its mortgage banking activities to fund residential mortgage loans within specified times in the future. There were no interest rate lock commitments at December 31, 2024 and 2023.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies [Abstract]
Commitments and Contingencies	(10) Commitments and Contingencies At December 31, 2024, the aggregate maturities for time deposits were as follows: Year ending December 31: 2025 $ 141,580 2026 4,332 2027 2,242 2028 1,422 2029 394 Thereafter — $ 149,970 The Company is subject to various legal proceedings in the normal course of its business. In the opinion of management, after having consulted with legal counsel, the outcome of the pending legal proceedings should not have a material adverse effect on the consolidated financial condition or results of operations of the Company.

Capital Adequacy and Restrictio

Capital Adequacy and Restriction on Dividends	12 Months Ended
	Dec. 31, 2024
Capital Adequacy and Restriction on Dividends [Abstract]
Capital Adequacy and Restriction on Dividends	(11) Capital Adequacy and Restriction on Dividends The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a material effect on the Company’s and the Bank’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and the Bank’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Company’s and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk-weightings, and other factors. Quantitative measures established by regulation to help ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the table below). In July 2013, the FRB and the other U.S. federal banking agencies adopted final rules making significant changes to the U.S. regulatory capital framework for U.S. banking organizations and to conform this framework to the guidelines published by the Basel Committee known as the Basel III Global Regulatory Framework for Capital and Liquidity. The Basel Committee is a committee of banking supervisory authorities from major countries in the global financial system which formulates broad supervisory standards and guidelines relating to financial institutions for implementation on a country-by-country basis. These rules adopted by the FRB and the other federal banking agencies (the U.S. Basel III Capital Rules) replaced the federal banking agencies’ general risk-based capital rules, advanced approaches rule, market risk rule, and leverage rules, in accordance with certain transition provisions. Banks, such as First Northern, became subject to the final rules on January 1, 2015. The final rules implement higher minimum capital requirements, include a new common equity Tier 1 capital requirement, and established criteria that instruments must meet in order to be considered common equity Tier 1 capital, additional Tier 1 capital, or Tier 2 capital. The final rules provided for increased minimum capital ratios as follows: (a) a common equity Tier 1 capital ratio of 4.5%; (b) a Tier 1 capital ratio of 6%; (c) a total capital ratio of 8%; and (d) a Tier 1 leverage ratio to average consolidated assets of 4%. Under these rules, in order to avoid certain limitations on capital distributions, including dividend payments and certain discretionary bonus payments to executive officers, a banking organization must hold a capital conservation buffer composed of common equity Tier 1 capital above its minimum risk-based capital requirements (equal to 2.5% of total risk-weighted assets). The capital conservation buffer is designed to absorb losses during periods of economic stress. Pursuant to the EGRRCPA, the FRB adopted a final rule, effective August 31, 2018, amending the Small Bank Holding Company and Savings and Loan Holding Company Policy Statement (the “policy statement”) to increase the consolidated assets threshold to qualify to utilize the provisions of the policy statement from $1 billion to $3 billion. Bank holding companies, such as the Company, are subject to capital adequacy requirements of the FRB; however, bank holding companies which are subject to the policy statement are not subject to compliance with the regulatory capital requirements until they hold $3 billion or more in consolidated total assets. As a consequence, as of December 31, 2024, the Company was not required to comply with the FRB’s regulatory capital requirements until such time that its consolidated total assets equal $3 billion or more or if the FRB determines that the Company is no longer deemed to be a small bank holding company. However, if the Company had been subject to these regulatory capital requirements, it would have exceeded all regulatory requirements. In August of 2020, the federal banking agencies adopted the final version of the community bank leverage ratio framework rule (the “CBLR”), implementing two interim final rules adopted in April of 2020. The rule provides an optional, simplified measure of capital adequacy. Under the optional CBLR framework, the CBLR was 8.5% through calendar year 2021 and is 9% thereafter. The rule is applicable to all non-advanced approaches FDIC-supervised institutions with less than $10 billion in total consolidated assets. Banks not electing the CBLR framework will continue to be subject to the generally applicable risk-based capital rule. At the present time, while First Northern is a qualifying community banking organization, the Company and the Bank do not intend to elect to use the CBLR framework. Management believes, as of December 31, 2024, that the Bank met all capital adequacy requirements to which it is subject. As of December 31, 2024, the most recent notification from the FDIC categorized the Bank as “well capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well capitalized” the Bank must meet the minimum ratios as set forth below. As of the date hereof, there have been no conditions or events since that notification that management believes have changed the institution’s category. The Bank had Tier I Leverage, Common Equity Tier 1, Tier I Risk-Based and Total Risk-Based capital above the “well capitalized” levels at December 31, 2024 and 2023, respectively, as set forth in the following table (calculated in accordance with the Basel III capital rules): The Bank 2024 2023 Adequately Capitalized Well Capitalized Capital Ratio Capital Ratio Ratio* Ratio Tier 1 Leverage Capital (to Average Assets) $ 205,326 10.5 % $ 187,248 9.7 % 4.0 % 5.0 % Common Equity Tier 1 Capital (to Risk-Weighted Assets) 205,326 16.4 % 187,248 14.8 % 4.5 % 6.5 % Tier 1 Capital (to Risk-Weighted Assets) 205,326 16.4 % 187,248 14.8 % 6.0 % 8.0 % Total Risk-Based Capital (to Risk-Weighted Assets) 220,977 17.7 % 203,096 16.0 % 8.0 % 10.0 % * Ratio for regulatory requirement excludes the capital conservation buffer of 2.50%. Cash dividends declared by the Bank are restricted under California State banking laws to the lesser of the Bank’s retained earnings or the Bank’s net income for the latest three fiscal years, less dividends previously declared during those periods.

Fair Value Measurement

Fair Value Measurement	12 Months Ended
	Dec. 31, 2024
Fair Value Measurement [Abstract]
Fair Value Measurement	(12) Fair Value Measurement The Company utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. Securities available-for-sale and trading securities are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record at fair value other assets on a non-recurring basis, such as loans held-for-sale, loans held-for-investment and certain other assets. These non-recurring fair value adjustments typically involve application of lower of cost or market accounting or write-downs of individual assets. Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally corresponds with the Company’s quarterly valuation process. Assets 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 as of December 31, 2024 and 2023. December 31, 2024 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. Treasury securities $ 105,545 $ 105,545 $ — $ — Securities of U.S. government agencies and corporations 95,684 — 95,684 — Obligations of states and political subdivisions 67,591 — 67,591 — Collateralized mortgage obligations 94,945 — 94,945 — Mortgage-backed securities 270,088 — 270,088 — Total investments at fair value $ 633,853 $ 105,545 $ 528,308 $ — December 31, 2023 Total Quoted Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. Treasury securities $ 87,182 $ 87,182 $ — $ — Securities of U.S. government agencies and corporations 115,079 — 115,079 — Obligations of states and political subdivisions 51,677 — 51,677 — Collateralized mortgage obligations 90,947 — 90,947 — Mortgage-backed securities 227,472 — 227,472 — Total investments at fair value $ 572,357 $ 87,182 $ 485,175 $ — Assets Recorded at Fair Value on a Non-recurring Basis Assets measured at fair value on a non-recurring basis are included in the table below by level within the fair value hierarchy as of December 31, 2024. (in thousands) December 31, 2024 Carrying Value Level 1 Level 2 Level 3 Individually evaluated loans $ 139 $ — $ — $ 139 Total assets at fair value $ 139 $ — $ — $ 139 There were no assets measured at fair value on a non-recurring basis as of December 31, 2023. There were no liabilities measured at fair value on a recurring or non-recurring basis at December 31, 2024 and 2023. Key methods and assumptions used in measuring the fair value of collateral dependent loans as of December 31, 2024 were as follows: Method Assumption Inputs Individually evaluated loans Collateral, market, income, enterprise, liquidation External appraised values, management assumptions regarding market trends or other relevant factors, selling costs generally ranging from 6% to 10% The following section describes the valuation methodologies used for assets recorded at fair value. Investment Securities Available-for-Sale Investment securities available-for-sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, if available. If quoted market prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions, and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, 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 issued by government sponsored entities, municipal bonds and corporate debt securities. Securities classified as Level 3 include asset-backed securities in less liquid markets where valuations include significant unobservable assumptions. Individually Evaluated Loans The Company does not record loans at fair value on a recurring basis. Loans that do not share similar risk characteristics are individually evaluated by management. Included in loans individually evaluated are collateral dependent loans. A loan is considered to be collateral dependent when repayment is expected to be provided substantially through the operation or sale of the collateral. Collateral dependent loans are considered to have unique risk characteristics and are individually evaluated. The ACL on collateral dependent loans is measured using the fair value of the underlying collateral, adjusted for costs to sell when applicable, less the amortized cost basis of the financial asset. If the value of underlying collateral is determined to be less than the recorded amount of the loan, a charge-off will be taken. Collateral dependent loans where a charge-off is recorded based on the fair value of collateral require classification in the fair value hierarchy. When a loan is evaluated based on the fair value of the underlying collateral securing the loan, the Company records the collateral dependent loan as non-recurring Level 3 given the valuation includes significant unobservable assumption Disclosures about Fair Value of Financial Instruments The following table summarizes fair value estimates for financial instruments for the years ended December 31, 2024 and 2023, excluding financial instruments recorded at fair value on a recurring basis (summarized in the first table in this note). 2024 2023 Level Carrying amount Fair value Carrying amount Fair value Financial assets: Cash and cash equivalents 1 $ 119,448 $ 119,448 $ 149,211 $ 149,211 Certificates of deposit 2 16,074 16,129 19,710 19,570 Stock in Federal Home Loan Bank and other equity securities, at cost 3 10,518 10,518 10,518 10,518 Loans receivable: Net loans 3 1,046,852 974,746 1,052,465 958,077 Interest receivable 2 7,660 7,660 6,810 6,810 Mortgage servicing rights 3 1,312 1,910 1,482 2,094 Financial liabilities: Time deposits 3 149,970 149,752 135,696 135,540 Interest payable 2 1,215 1,215 1,567 1,567 Limitations Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument and expected exit prices. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Other significant assets and liabilities that are not considered financial assets or liabilities include deferred tax liabilities and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in many of the estimates.

Outstanding Shares and Earnings

Outstanding Shares and Earnings Per Share	12 Months Ended
	Dec. 31, 2024
Outstanding Shares and Earnings Per Share [Abstract]
Outstanding Shares and Earnings Per Share	(13) Outstanding Shares and Earnings Per Share All income per share amounts have been adjusted to give retroactive effect to stock dividends and stock splits, including the 5% stock dividend declared on January 23, 2025, payable on March 25, 2025, to shareholders of record as of February 28, 2025. Earnings Per Share Basic and diluted earnings per share for the years ended December 31, were computed as follows: 2024 2023 Basic earnings per share: Net income $ 20,034 $ 21,554 Weighted average common shares outstanding 15,896,475 15,932,056 Basic earnings per share $ 1.26 $ 1.35 Diluted earnings per share: Net income $ 20,034 $ 21,554 Weighted average common shares outstanding 15,896,475 15,932,056 Effect of dilutive shares 212,565 150,815 Adjusted weighted average common shares outstanding 16,109,040 16,082,871 Diluted earnings per share $ 1.24 $ 1.34 Options not included in the computation of diluted earnings per share because they would have had an anti-dilutive effect amounted to 247,729 shares and 494,769 shares for the years ended December 31, 2024 and 2023, respectively. Restricted stock not included in the computation of diluted earnings per share because they would have had an anti-dilutive effect amounted to 2,037 shares and 37,372 shares for the years ended December 31, 2024 and 2023, respectively.

Stock Compensation Plans

Stock Compensation Plans	12 Months Ended
	Dec. 31, 2024
Stock Compensation Plans [Abstract]
Stock Compensation Plans	(14) Stock Compensation Plans The total number of shares authorized, number of shares outstanding, weighted average exercise prices, exercise prices and weighted average grant date fair value have been adjusted to give retroactive effect to stock dividends and stock splits, including the 5% stock dividend declared on January 23, 2025, payable on March 25, 2025 to shareholders of record as of February 28, 2025. Under the Company’s total shares in any calendar year. With respect to awards granted to non-employee directors under the Plan during the term of the Plan, the total number of shares of common stock which may be issued upon exercise or settlement of such awards is shares and no outside director may receive option grants, stock appreciation rights, restricted stock or stock units for more than shares total in any calendar year. There are shares authorized under the Plan. The Plan will terminate on March 15, 2026. The Compensation Committee of the Board of Directors is authorized to prescribe the terms and conditions of each option, including exercise price, vestings, or duration of the option. Generally, option grants vest at a rate of 25% per year after the first anniversary of the date of grant and restricted stock awards vest at a rate of 100% after four years. Options expire 10 years after the date of grant. Options are granted with an exercise price of the fair value of the related common stock on the date of grant. Stock option activity under the Plan during the year ended December 31, 2024, was as follows: Stock Options Number of shares Weighted average exercise price Balance at December 31, 2023 674,918 $ 8.00 Granted — — Exercised (52,905 ) 6.59 Cancelled/Forfeited (15,825 ) 9.26 Expired (92,981 ) 8.66 Balance at December 31, 2024 513,207 $ 7.99 The following table presents information on stock options for the year ended December 31, 2024: Number of Shares Weighted Average Exercise Price Aggregate Intrinsic Value Weighted Average Remaining Contractual Term Options exercised 52,905 $ 6.59 $ 90 — Stock options outstanding and expected to vest: 513,207 $ 7.99 $ 784 3.77 Stock options vested and currently exercisable: 488,339 $ 7.94 $ 768 3.60 There were no stock options granted by the Company during the year ended December 31, 2024 and December 31, 2023. The intrinsic value of options exercised during the years ended December 31, was $90 in 2024 and $305 in 2023. The fair value of awards vested during the years ended December 31 was $88 in 2024 and $123 in 2023. As of December 31, 2024, there was $31 of total unrecognized compensation related to non-vested stock options. This cost is expected to be recognized over a weighted average period of approximately 1.2 years. For the years ended December 31, 2024 and 2023, there was $35 and $93, respectively, of recognized compensation related to stock options. The Company determines fair value at grant date using the Black-Scholes-Merton pricing model that takes into account the stock price at the grant date, the exercise price, the risk-free interest rate, the volatility of the underlying stock and the expected life of the option. The expected term of options granted is derived from historical data on employee exercise and post-vesting employment termination behavior. The risk-free rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of the grant. Expected volatility is based on both the implied volatilities from the traded option on the Company’s stock and historical volatility on the Company’s stock. The Company expenses the fair value of the option on a straight line basis over the vesting period. The Company estimates forfeitures and only recognizes expense for those shares that actually vest. In addition to stock options, the Company also grants restricted stock awards to directors, certain officers and employees. The restricted shares awarded become fully vested after four years of continued employment or service from the date of grant. Restricted shares are forfeited if officers and employees terminate prior to the lapsing of restrictions. The following table presents information about non-vested restricted stock awards outstanding for the year ended December 31, 2024: Restricted Stock Awards Number of shares Weighted average grant date fair value Balance at December 31, 2023 287,981 $ 8.30 Granted 90,378 7.96 Vested (84,068 ) 8.50 Cancelled/Forfeited (21,530 ) 8.33 Balance at December 31, 2024 272,761 $ 8.12 The aggregate intrinsic value of restricted stock awards vested in calendar years 2024 and 2023, was $687 and $446, respectively. The weighted average fair value per share of restricted stock awards granted during the years ended December 31, was $7.96 in 2024 and $7.72 in 2023. As of December 31, 2024, there was $941 of total unrecognized compensation related to non-vested restricted stock awards. This cost is expected to be recognized over a weighted average period of approximately 2.4 years. For the years ended December 31, 2024 and 2023, there was $761 and $701, respectively, of recognized compensation related to restricted stock awards. Employee Stock Purchase Plan The Company has an Employee Stock Purchase Plan (“ESPP”). Under the ESPP, the Company is authorized to issue to an eligible employee shares of common stock. There are 395,699 shares authorized under the ESPP, which include authorized but unissued shares under the 2016 Amended ESPP. The ESPP will expire on March 16, 2026. The ESPP is implemented by participation periods of not more than twenty-seven months each. The Board of Directors determines the commencement date and duration of each participation period. An eligible employee is one who has been continually employed for at least ninety (90) days prior to commencement of a participation period. Under the terms of the ESPP, employees can choose to have up to 10 percent of their compensation withheld to purchase the Company’s common stock each participation period. The purchase price of the stock is 85% of the lower of the fair value on the last trading day before the Date of Participation or the fair value on the last trading day during the participation period. Approximately 42% of eligible employees are participating in the ESPP in the current participation period, which began November 24, 2024 and will end November 23, 2025. Under the ESPP, at the annual stock purchase date of November 23, 2024, there were $102 in contributions, and 15,878 shares were purchased at a price of $6.40. For the years ended December 31, 2024 and 2023, there was $50 and $26, respectively, of recognized compensation related to ESPP issuances. Compensation cost is reported in salaries and employee benefits expense in the Consolidated Statements of Income. The total number of shares authorized, number of shares purchased and stock price have been adjusted to give retroactive effect to stock dividends and stock splits, including the 5% stock dividend declared on January 23, 2025, payable March 25, 2025, to shareholders of record as of February 28, 2025.

Profit Sharing Plan

Profit Sharing Plan	12 Months Ended
	Dec. 31, 2024
Profit Sharing Plan [Abstract]
Profit Sharing Plan	(15) Profit Sharing Plan The Bank maintains a profit sharing plan for the benefit of its employees. Employees who have completed 1,000 st

Supplemental Compensation Plans

Supplemental Compensation Plans	12 Months Ended
	Dec. 31, 2024
Supplemental Compensation Plans [Abstract]
Supplemental Compensation Plans	(16) Supplemental Compensation Plans EXECUTIVE RETIREMENT PLAN Pension Benefit Plans The Company and the Bank maintain an unfunded non-contributory defined benefit pension plan (“ Salary Continuation Plan Eligibility to participate in the Salary Continuation Plan is limited to a select group of management or highly compensated employees of the Bank that are designated by the Board. Additionally, the Company and the Bank adopted a supplemental executive retirement plan (“SERP”) in 2006. The SERP is intended to integrate the various forms of retirement payments offered to executives. There are currently two active and one retired participant in the SERP. The SERP benefit is calculated using 3-year average salary plus 7-year average bonus (average compensation). For each year of service, the benefit formula credits 2% to 2.5% of average compensation up to a cumulative maximum of 50%. Therefore, for an executive serving 20 to 25 years, the target benefit is 50% of average compensation. The target benefit is reduced for other forms of retirement income provided by the Bank. Reductions are made for 50% of the social security benefit expected at age 65 and for the accumulated value of contributions the Bank makes to the executive’s profit sharing plan. For purposes of this reduction, contributions to the profit sharing plan are accumulated each year at a 3-year average of the yields on 10-year Treasury securities. Retirement benefits are paid monthly for 120 months, plus 6 months for each full year of service over 10 years, up to a maximum of 180 months. Reduced benefits are payable for retirement prior to age 65. Should retirement occur prior to age 65, the benefit determined by the formula described above is reduced 5% for each year payments commence prior to age 65. Therefore, the new SERP benefit is reduced 50% for retirement at age 55. No benefit is payable for voluntary terminations prior to age 55. The following table sets forth the status of the Salary Continuation Plan and SERP as of December 31, 2024 and December 31, 2023: 2024 2023 Change in benefit obligation Benefit obligation at beginning of year $ 4,979 $ 5,339 Service cost 138 158 Interest cost 258 263 Plan gain (391 ) (336 ) Benefits paid (484 ) (445 ) Benefit obligation at end of year $ 4,500 $ 4,979 Change in plan assets Employer contribution $ 484 $ 445 Benefits paid (484 ) (445 ) Fair value of plan assets at end of year $ — $ — Reconciliation of funded status Funded status $ (4,500 ) $ (4,979 ) Unrecognized net plan loss (322 ) 69 Unrecognized prior service cost 29 31 Net amount recognized $ (4,793 ) $ (4,879 ) Amounts recognized in the consolidated balance sheets consist of: Accrued benefit liability $ (4,500 ) $ (4,979 ) Accumulated other comprehensive loss (293 ) 100 Net amount recognized $ (4,793 ) $ (4,879 ) The Company expects to recognize approximately $2 of the unrecognized net actuarial loss and prior service cost as a component of net periodic benefit cost in 2025. For the Year ended December 31, 2024 2023 Components of net periodic benefit cost Service cost $ 138 $ 158 Interest cost 258 263 Amortization of prior service cost 2 2 Recognized actuarial loss — — Net periodic benefit cost 398 423 Additional Information Minimum benefit obligation at year end $ 4,500 $ 4,979 Decrease in minimum liability included in other comprehensive loss $ (393 ) $ (338 ) Assumptions used to determine benefit obligations at December 31 2024 2023 Discount rate used to determine net periodic benefit cost for years ended December 31 5.30 % 5.00 % Discount rate used to determine benefit obligations at December 31 5.50 % 5.30 % Future salary increases 5.30 % 5.60 % Plan Assets The Bank informally funds the liabilities of the Salary Continuation Plan through life insurance purchased on the lives of plan participants. This informal funding does not meet the definition of “plan assets” under pension accounting standards. Therefore, assets held for this purpose are not disclosed as part of the Salary Continuation Plan. Cash Flows Contributions and Estimated Benefit Payments For unfunded plans, contributions to the Salary Continuation Plan are the benefit payments made to participants. The Bank paid $484 in benefit payments during fiscal 2024. The following benefit payments, which reflect expected future service, are expected to be paid in future fiscal years: Year ending December 31, Pension Benefits 2025 $ 437 2026 352 2027 302 2028 302 2029 302 2030 2034 1,478 Disclosure of settlements and curtailments: There were no events during fiscal 2024 that would constitute a curtailment or settlement. DIRECTORS’ RETIREMENT PLAN On July 19, 2001, the Company and the Bank approved an unfunded non-contributory defined benefit pension plan (“ Directors’ Retirement Plan The following table sets forth the status of the Directors’ Retirement Plan as of December 31, 2024 and December 31, 2023: 2024 2023 Change in benefit obligation Benefit obligation at beginning of year $ 424 $ 560 Service cost — — Interest cost 20 24 Plan gain (2 ) (100 ) Benefits paid (45 ) (60 ) Benefit obligation at end of year $ 397 $ 424 Change in plan assets Employer contribution $ 45 $ 60 Benefits paid (45 ) (60 ) Fair value of plan assets at end of year $ — $ — Reconciliation of funded status Funded status $ (397 ) $ (424 ) Unrecognized net plan gain (142 ) (172 ) Net amount recognized $ (539 ) $ (596 ) Amounts recognized in the consolidated balance sheets consist of: Accrued benefit liability $ (397 ) $ (424 ) Accumulated other comprehensive gain (142 ) (172 ) Net amount recognized $ (539 ) $ (596 ) For the Year Ended December 31, 2024 2023 Components of net periodic benefit cost Service cost $ — $ — Interest cost 20 24 Recognized actuarial gain (33 ) (4 ) Net periodic benefit cost (13 ) 20 Additional Information Minimum benefit obligation at year end $ 397 $ 424 Decrease in minimum liability included in other comprehensive loss $ 30 $ (96 ) Assumptions used to determine benefit obligations at December 31 2024 2023 Discount rate used to determine net periodic benefit cost for years ended December 31 5.00 % 4.60 % Discount rate used to determine benefit obligations at December 31 5.10 % 5.00 % Plan Assets The Bank informally funds the liabilities of the Directors’ Retirement Plan through life insurance purchased on the lives of plan participants. This informal funding does not meet the definition of “plan assets” under pension accounting standards. Therefore, assets held for this purpose are not disclosed as part of the Directors’ Retirement Plan. Cash Flows Contributions and Estimated Benefit Payments For unfunded plans, contributions to the Directors’ Retirement Plan are the benefit payments made to participants. The Bank paid $45 in benefit payments during fiscal year 2024. The following benefit payments, which reflect expected future service, are expected to be paid in future fiscal years: Year ending December 31, Pension Benefits 2025 $ 50 2026 45 2027 31 2028 20 2029 39 2030 2039 360 Disclosure of settlements and curtailments: There were no events during fiscal year 2024 that would constitute a curtailment or settlement. EXECUTIVE ELECTIVE DEFERRED COMPENSATION PLAN — 2001 EXECUTIVE DEFERRAL PLAN On July 19, 2001, the Bank approved a revised Executive Elective Deferred Compensation Plan (“2001 Executive Deferral Plan”) for certain officers to provide them the ability to make elective deferrals of compensation due to tax law limitations on benefit levels under qualified plans. Deferred amounts earn interest at an annual rate determined by the Bank’s Board. The 2001 Executive Deferral Plan is a non-qualified plan funded with bank owned life insurance policies taken on the lives of the participating officers. During the year ended December 31, 2001, the Bank purchased insurance making a single-premium payment aggregating $1,125, which is reported in other assets on the Consolidated Balance Sheets. The Bank is the beneficiary and owner of the policies. The cash surrender value of the related insurance policies as of December 31, 2024 and 2023 totaled $2,966 and $2,892, respectively. The net decrease in accrued liability for the 2001 Executive Deferral Plan totaled $60 and $58 for the years ended December 31, 2024 and 2023, respectively. The net decrease was due to payments totaling $65 for each of the years ended December 31, 2024 and 2023, which was partially offset by interest accrued totaling $5 and $7 for the years ended December 31, 2024 and 2023, respectively. Interest expense for the 2001 Executive Deferral Plan totaled $5 and $7 for the years ended December 31, 2024 and 2023, respectively. DIRECTOR ELECTIVE DEFERRED FEE PLAN — 2001 DIRECTOR DEFERRAL PLAN On July 19, 2001, the Bank approved a Director Elective Deferred Fee Plan (“2001 Director Deferral Plan”) for directors to provide them the ability to make elective deferrals of director’s fees. Deferred amounts earn interest at an annual rate determined by the Bank’s Board. The 2001 Director Deferral Plan is a non-qualified plan funded with bank owned life insurance policies taken on the lives of the participating directors. The Bank is the beneficiary and owner of the policies. The cash surrender value of the related insurance policies as of December 31, 2024 and 2023 totaled $167 and $162, respectively. The net decrease in accrued liability for the 2001 Director Deferral Plan totaled $4 for each of the years ended December 31, 2024 and 2023. The net decrease was due to payments totaling $4 and $5 for the years ended December 31, 2024 and 2023, respectively, which was partially offset by interest accrued totaling $0 and $1 for the years ended December 31, 2024 and 2023, respectively. Interest expense for the 2001 Director Deferral Plan totaled $0 and $1 for the years ended December 31, 2024 and 2023, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2024
Income Taxes [Abstract]
Income Taxes	(17) Income Taxes The provision for income tax expense consisted of the following for the years ended December 31: 2024 2023 Current: Federal $ 4,525 $ 5,349 State 2,678 3,147 7,203 8,496 Deferred: Federal 324 (400 ) State 279 (4 ) 603 (404 ) $ 7,806 $ 8,092 The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2024 and 2023, consisted of: 2024 2023 Deferred tax assets: Allowance for credit losses $ 4,903 $ 5,246 Deferred compensation 45 64 Retirement compensation 1,575 1,617 Stock option compensation 467 453 Current state franchise taxes 578 657 Non-accrual interest 426 333 Lease liability 1,065 1,349 Investment securities unrealized loss 14,337 14,178 Other 394 281 Deferred tax assets 23,790 24,178 Deferred tax liabilities: Fixed assets depreciation 761 970 FHLB dividends 184 184 Tax credit – loss on pass-through 824 489 Deferred loan costs 848 940 Mortgage servicing rights 388 383 Right of Use Asset 933 1,204 Postretirement benefits 129 21 Other 681 393 Total deferred tax liabilities 4,748 4,584 Net deferred tax assets (see Note 6) $ 19,042 $ 19,594 Based upon the level of historical taxable income and projections for future taxable income over the periods during which the deferred tax assets are deductible, management believed it is more-likely-than-not the Company will realize the benefits of these deductible differences. At December 31, 2024, the Company had no state net operating loss carry forwards and no federal tax credit carry forwards. A reconciliation of income taxes computed at the federal statutory rate and the provision for income taxes for the years ended December 31, is as follows: 2024 2023 Federal statutory income tax rate 21.0 % 21.0 % Increase (decrease) in tax rate due to: State franchise tax, net of federal benefit 8.4 % 8.4 % Reduction for tax exempt interest (1.5 )% (1.2 )% Cash surrender value of life insurance (0.3 )% (0.4 )% Other 0.4 % (0.5 )% Effective income tax rate 28.0 % 27.3 % Accounting for Uncertainty in Income Taxes The Company had no unrecognized tax benefits for the years ended December 31, 2024 and 2023. The Company recognized no changes in unrecognized tax benefits during 2024 and 2023, due to the expiration of a statute of limitations. The Company had no significant uncertain tax positions as of December 31, 2024 and December 31, 2023. The Company does not currently anticipate any significant increase or decrease in unrecognized tax benefits during 2025. The Company classifies interest and penalties as a component of the provision for income taxes. At December 31, 2024, there were no unrecognized interest and penalties. The tax years ended December 31, 2023, 2022, and 2021 2023, 2022, 2021, and 2020

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income/(Loss)	12 Months Ended
	Dec. 31, 2024
Accumulated Other Comprehensive Income/(Loss) [Abstract]
Accumulated Other Comprehensive Income/(Loss)	(18) Accumulated Other Comprehensive Income/(Loss) The following table details activity in accumulated other comprehensive loss for the year ended December 31, 2024. Unrealized Losses on Securities Officers’ retirement plan Directors’ retirement plan Accumulated Other Comprehensive loss Balance as of December 31, 2023 $ (33,778 ) $ (70 ) $ 121 $ (33,727 ) Current period other comprehensive income (loss), net of tax (379 ) 277 (22 ) (124 ) Balance as of December 31, 2024 $ (34,157 ) $ 207 $ 99 $ (33,851 ) The following table details activity in accumulated other comprehensive income/(loss) for the year ended December 31, 2023. Unrealized Gains (Losses) on Securities Officers’ retirement plan Directors’ retirement plan Accumulated Other Comprehensive Income/(loss) Balance as of December 31, 2022 $ (46,273 ) $ (308 ) $ 53 $ (46,528 ) Current period other comprehensive income, net of tax 12,495 238 68 12,801 Balance as of December 31, 2023 $ (33,778 ) $ (70 ) $ 121 $ (33,727 )

Supplemental Consolidated State

Supplemental Consolidated Statements of Cash Flows Information	12 Months Ended
	Dec. 31, 2024
Supplemental Consolidated Statements of Cash Flows Information [Abstract]
Supplemental Consolidated Statements of Cash Flows Information	(19) Supplemental Consolidated Statements of Cash Flows Information Supplemental disclosures to the Consolidated Statements of Cash Flows for the years ended December 31, are as follows: 2024 2023 Supplemental disclosure of cash flow information: Cash paid during the year for: Interest $ 14,644 $ 6,110 Income taxes 7,670 8,500 Supplemental disclosure of non-cash investing and financing activities: Stock dividend distributed 6,392 5,652 Fair value adjustment of securities available for sale, net of tax of $( 157 5,240 2024 2023 (379 ) 12,495 Recognition of right-of-use assets obtained in exchange for operating lease liabilities — 245 Market value of shares tendered in-lieu of cash to pay for exercise of options 348 361 Non-cash assets acquired (liabilities assumed) in acquisition: Total assets acquired — 12,612 Total liabilities assumed — (115,916 )

Parent Company Financial Inform

Parent Company Financial Information	12 Months Ended
	Dec. 31, 2024
Parent Company Financial Information [Abstract]
Parent Company Financial Information	(20) Parent Company Financial Information This information should be read in conjunction with the other notes to the consolidated financial statements. The following presents summary balance sheets and summary statements of income and cash flows information for the years ended December 31: Balance Sheets 2024 2023 Assets Cash $ 1,097 $ 1,359 Investment in wholly-owned subsidiary 174,796 157,662 Interest receivable and other assets 439 224 Total assets $ 176,332 $ 159,245 Liabilities and stockholders’ equity Liabilities — — Stockholders’ equity 176,332 159,245 Total liabilities and stockholders’ equity $ 176,332 $ 159,245 Statements of Income 2024 2023 Dividends from subsidiary $ 3,000 $ — Other operating expenses (318 ) (308 ) Income tax benefit 94 91 Loss before undistributed earnings of subsidiary 2,776 (217 ) Equity in undistributed earnings of subsidiary 17,258 21,771 Net income $ 20,034 $ 21,554 Statements of Cash Flows 2024 2023 Net income $ 20,034 $ 21,554 Adjustments to reconcile net income to net cash provided by operating activities Stock-based compensation 846 820 Increase in interest receivable and other assets (215 ) (224 ) Equity in undistributed earnings of subsidiary (17,258 ) (21,771 ) Net cash provided by operating activities 3,407 379 Cash flows from financing activities: Common stock issued 102 96 Stock repurchases (3,764 ) (143 ) Cash dividends paid in lieu of fractional shares (7 ) (7 ) Net cash provided by financing activities (3,669 ) (54 ) Net change in cash (262 ) 325 Cash at beginning of year 1,359 1,034 Cash at end of year $ 1,097 $ 1,359

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Related Party Transactions	(21) Related Party Transactions The Bank, in the ordinary course of business, has loan and deposit transactions with directors and executive officers. In management’s opinion, these transactions were on substantially the same terms as comparable transactions with other customers of the Bank. The amount of such deposits totaled approximately $3,963 and $4,058 at December 31, 2024 and 2023, respectively. The following is an analysis of the activity of loans to executive officers and directors for the years ended December 31: 2024 2023 Outstanding balance, beginning of year $ 2,422 $ 2,583 Credit granted — 25 Repayments / Reductions (865 ) (186 ) Outstanding balance, end of year $ 1,557 $ 2,422

Segment Disclosures

Segment Disclosures	12 Months Ended
	Dec. 31, 2024
Segment Disclosures [Abstract]
Segment Disclosures	(22) S egment Disclosures The Company has one reportable segment: banking operations. The Company is engaged in a single line of business, indicative of a traditional banking institution, gathering deposits and originating loans in its primary market areas. Loans, interest bearing accounts, investment securities, deposits, and non-interest income provide the revenues of the banking operation. Loan products offered to customers generate a majority of the Company’s interest and dividend income. Deposit products offered to customers generate non-interest income such as fees and service charges. Interest income on securities, net gains on sales of loans, and debit card income are other sources of revenue. Interest expense, provisions for credit losses, salaries and employee benefits, occupancy and equipment, and data processing provide significant expenses in banking operations. The Company manages its operations, allocates resources and monitors and reports its financials as a single operating segment. The Company's Chief Executive Officer is considered the Chief Operating Decision Maker. The Chief Operating Decision Maker evaluates segment performance using consolidated net income. Accounting policies for segments are the same as those described in Note 1 of Notes to Consolidated Financial Statements. For the Year Ended December 31 2024 2023 Interest and dividend income $ 78,652 $ 74,123 Reconciliation of revenue: Other revenues 6,019 7,845 Total consolidated revenue 84,671 81,968 Less: Interest expense 14,292 7,584 Segment net interest income and noninterest income 70,379 74,384 Less: (Reversal of) provision for credit losses (250 ) 1,100 Salaries and employee benefits 23,850 25,914 Occupancy and equipment 4,736 4,329 Data processing 4,224 4,043 Other banking segment items 9,979 9,352 Provision for income taxes 7,806 8,092 Segment net income/consolidated net income $ 20,034 $ 21,554 Reconciliation of assets: Total assets for reportable segment $ 1,891,722 $ 1,871,832 Other assets — — Total consolidated assets $ 1,891,722 $ 1,871,832

Business Combinations

Business Combinations	12 Months Ended
	Dec. 31, 2024
Business Combinations [Abstract]
Business Combinations	(23) Business Combinations On January 20, 2023, the Company completed the acquisition from Columbia State Bank of three branches located in the California cities of Colusa, Willows, and Orland , in accordance with a Purchase and Assumption Agreement dated as of November 5, 2022. The acquired assets included all the real property, cash on hand, personal property, safe deposit agreements, books and records along with certain loans (including accrued interest and fees) booked at the branches or allocated by the seller to the acquired branches. The assumed liabilities primarily consisted of the deposits booked in the branches or allocated by the seller to the acquired branches In accordance with ASC 805, Business Combinations The Company recorded the fair values based on the valuations available as of reporting date. In accordance with business combination accounting guidance, we evaluated these fair values for up to one year following the acquisition date of January 20, 2023. The valuations below were final one year following the acquisition date. This acquisition enabled the Company to extend its existing footprint and provided additional core deposit funding for future growth and liquidity and is expected to enhance profitability by introducing existing products and services to the acquired customer base as well as add new customers in the expanded region. The following table summarizes the consideration paid for the acquired branches and amounts of assets acquired and liabilities assumed that were recorded at the acquisition date (in thousands): Acquired Branches January 20, 2023 Fair value of consideration received: Cash consideration $ 103,425 Total fair value of consideration received 103,425 Assets acquired: Cash and cash equivalents 1,284 Loans 4,006 Premises and equipment 3,621 Core deposit intangible 4,970 Other assets 15 Total assets acquired 13,896 Liabilities assumed: Deposits 115,914 Other liabilities 2 Total liabilities assumed 115,916 Total net liabilities assumed 102,020 Bargain purchase gain recognized $ 1,405 A summary of the estimated fair value adjustments resulting in the bargain purchase gain recorded in the branch acquisition are presented below (in thousands): Acquired Branches January 20, 2023 Cash consideration received $ 103,425 Less: Cost basis of net liabilities assumed (107,097 ) Fair Value Adjustments: Loans (363 ) Premises and equipment 307 Core deposit intangible 4,970 Deposits 163 Bargain purchase gain recognized $ 1,405 The loan portfolio of the acquired branches was recorded at fair value at the date of acquisition. For the purposes of the valuation analysis, the loan portfolio was segmented based on loan type and credit quality. None of the acquired loans were considered purchased credit deteriorated (PCD) at acquisition. The fair value of the acquired loans was calculated on a loan-level basis using the discounted cash flow method. The Company recorded a core deposit intangible of $4,970 at acquisition. A core deposit intangible refers to the intangible asset that represents the cost savings derived from available core deposits to an alternative funding source. The fair value of the core deposit intangible was calculated using a net cost savings method based on the present value of the estimated net cost savings attributable to the core deposit base over the expected remaining life of the deposits (plus the present value of the tax amortization benefit). The cost savings derived from the core deposit balance was calculated as the difference between the prevailing alternative cost of funds and the estimated cost of the core deposits. The Company assumed net liabilities, at fair value, of $102,020 at acquisition in exchange for cash consideration received of $103,425. Under accounting guidance, a bargain purchase gain results if the fair value of consideration received is more than the fair value of the liabilities assumed. Because the cash consideration received exceeded the fair value of liabilities assumed, the Company recorded a bargain purchase gain of $1,405 related to the branch acquisitions during the first quarter of 2023. The bargain purchase gain is separately reported as a component of non-interest income in our Consolidated Statements of Income for the year ended December 31, 2023. We believe that we were able to negotiate a bargain purchase price primarily as a result of Columbia State Bank being required to divest of certain branches (along with the associated deposits and loans) for competitive reasons in accordance with a Letter of Agreement between Columbia State Bank, Umpqua and the Department of Justice Antitrust Division. This agreement was reached in conjunction with the Department of Justice’s required approval of the merger of Columbia State Bank and Umpqua. The required divestiture, in conjunction with the rural location of the branches acquired, allowed the Company to negotiate a favorable purchase price that, when combined with changes in market conditions between the date of agreement and the closing date, resulted in the recognition of the bargain purchase gai

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]	Cybersecurity Risk Management and Strategy The Company recognizes the security of our banking operations and the confidentiality, security and availability of the information that the Company collects and stores, is critical to protecting our customers, maintaining our reputation and preserving the value of the Company. Cybersecurity risks are constantly evolving and becoming increasingly pervasive across all industries. The Company has implemented a comprehensive cybersecurity risk management program that we believe is reasonably designed to mitigate these risks and protect sensitive customer data, financial transactions and our information systems. Key components of the cybersecurity risk management program include: • A risk assessment process that identifies and prioritizes material cybersecurity risks; defines and evaluates the effectiveness of controls to mitigate the risks; and reports results to executive management and the Board of Directors. • A third-party Managed Detection and Response (“MDR”) service, which monitors the security of our information systems around-the-clock, including intrusion detection and alerting. • A third-party Managed Security Service Provider (“MSSP”) covering all critical cyber defense functions such as data protection, identity and access management, insider risk management, security operations and threat intelligence. • A training program that educates employees and management about cybersecurity risks and how to protect themselves from cyberattacks. • An incident response plan that outlines the steps the Company will take to respond to a cybersecurity incident, which is tested on a periodic basis. The Company engages reputable third-party auditors and security assessors to conduct various independent risk assessments on a regular basis, including cybersecurity program maturity assessments and network and systems testing to identify and address potential vulnerabilities. Following a defense-in-depth strategy, the Company leverages both in-house resources and third-party service providers to implement and maintain processes and controls to manage the identified risks. Our vendor management program is designed to ensure that our vendors meet current cybersecurity and information security standards. This includes conducting periodic reviews of independent control audits of the security, infrastructure, application standards or controls, and recovery plans of our most critical vendors. The Company’s cybersecurity risk management program and strategy are designed to ensure the Company’s information and information systems are appropriately protected from a variety of threats, both natural and man-made. Periodic risk assessments are performed to validate control requirements and ensure that the Company’s information is protected at a level commensurate with its sensitivity, value, and criticality. Preventative and detective security controls are employed on all media where information is stored, the systems that process it, and infrastructure components that facilitate its transmission, to ensure the confidentiality, integrity, and availability of Company information. These controls include, but are not limited to, access control, data encryption, data loss prevention, incident response, security monitoring, third-party risk management, and vulnerability management. The Company has an incident response program in place that is designed to enable a coordinated response to mitigate the impact of cyber-attacks, recover from the attack and provide for the prompt escalation of certain cybersecurity incidents to management, including for decisions regarding timely reporting of material incidents in accordance with SEC rules. The Company’s cybersecurity risk management program and strategy are regularly reviewed and updated to ensure that they are aligned with the Company’s business objectives and are designed to address evolving cybersecurity threats and satisfy regulatory requirements and industry standards. Material Effects of Cybersecurity Threats While cybersecurity risks have the potential to materially affect the Company’s business, financial condition, and results of operations, the Company does not believe that risks from cybersecurity threats or attacks, including as a result of any previous cybersecurity incidents, have materially affected the Company, including its business strategy, results of operations or financial condition. However, the sophistication of cyber threats continues to increase, and the Company’s cybersecurity risk management and strategy may be insufficient or may not be successful in protecting against all cyber incidents. Accordingly, no matter how well designed or implemented the Company’s controls are, it will not be able to anticipate all cyber security breaches, preventative measures cannot provide absolute security and may not be sufficient in all circumstances or mitigate all potential risks, and the Company may not be able to implement effective preventive measures against cyber security breaches in a timely manner. For more information on how cybersecurity risk may materially affect the Company’s business strategy, results of operations or financial condition, please refer to Part I, Item 1A, “Risk Factors” in this report.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	Key components of the cybersecurity risk management program include: • A risk assessment process that identifies and prioritizes material cybersecurity risks; defines and evaluates the effectiveness of controls to mitigate the risks; and reports results to executive management and the Board of Directors. • A third-party Managed Detection and Response (“MDR”) service, which monitors the security of our information systems around-the-clock, including intrusion detection and alerting. • A third-party Managed Security Service Provider (“MSSP”) covering all critical cyber defense functions such as data protection, identity and access management, insider risk management, security operations and threat intelligence. • A training program that educates employees and management about cybersecurity risks and how to protect themselves from cyberattacks. • An incident response plan that outlines the steps the Company will take to respond to a cybersecurity incident, which is tested on a periodic basis.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Text Block]	Material Effects of Cybersecurity Threats While cybersecurity risks have the potential to materially affect the Company’s business, financial condition, and results of operations, the Company does not believe that risks from cybersecurity threats or attacks, including as a result of any previous cybersecurity incidents, have materially affected the Company, including its business strategy, results of operations or financial condition. However, the sophistication of cyber threats continues to increase, and the Company’s cybersecurity risk management and strategy may be insufficient or may not be successful in protecting against all cyber incidents. Accordingly, no matter how well designed or implemented the Company’s controls are, it will not be able to anticipate all cyber security breaches, preventative measures cannot provide absolute security and may not be sufficient in all circumstances or mitigate all potential risks, and the Company may not be
Cybersecurity Risk Board of Directors Oversight [Text Block]	Governance Board of Directors Oversight The Company’s Board of Directors is charged with overseeing the establishment and execution of the Company’s cybersecurity risk management framework and monitoring adherence to related policies required by applicable statutes, regulations and principles of safety and soundness. Consistent with this responsibility, the Board has delegated primary oversight responsibility over the Company’s cybersecurity risk and cybersecurity risk management to the Information Services Steering Committee of the Board of Directors. The Information Services Steering Committee receives regular updates on cybersecurity risks and incidents and the cybersecurity program through direct interaction with the Information Security Officer (“ISO”) and/or the Chief Information Officer (“CIO”). The ISO and/or CIO also provide periodic updates regarding cybersecurity risks and the cybersecurity program to the Audit Committee of the Board of Directors and to the full Board of Directors. Additionally, awareness and training on cybersecurity topics is provided to the Board on an annual basis. Management’s Role The ISO and the CIO are responsible for implementing and maintaining the Company’s cybersecurity risk management program. Information Security is led by the ISO, who reports directly to the President/Chief Executive Officer. The Company’s ISO has over 35 years of experience in IT management, information security, and cybersecurity with the Company. Information security risk is reported by the ISO or the CIO through quarterly metric reporting to the Information Services Steering Committee. This Committee establishes and oversees policies, programs, and other guidance to provide specific expectations for managing the Company’s cybersecurity risk.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Company’s Board of Directors is charged with overseeing the establishment and execution of the Company’s cybersecurity risk management framework and monitoring adherence to related policies required by applicable statutes, regulations and principles of safety and soundness. Consistent with this responsibility, the Board has delegated primary oversight responsibility over the Company’s cybersecurity risk and cybersecurity risk management to the Information Services Steering Committee of the Board of Directors.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	The Information Services Steering Committee receives regular updates on cybersecurity risks and incidents and the cybersecurity program through direct interaction with the Information Security Officer (“ISO”) and/or the Chief Information Officer (“CIO”). The ISO and/or CIO also provide periodic updates regarding cybersecurity risks and the cybersecurity program to the Audit Committee of the Board of Directors and to the full Board of Directors. Additionally, awareness and training on cybersecurity topics is provided to the Board on an annual basis.
Cybersecurity Risk Role of Management [Text Block]	The ISO and the CIO are responsible for implementing and maintaining the Company’s cybersecurity risk management program. Information Security is led by the ISO, who reports directly to the President/Chief Executive Officer. The Company’s ISO has over 35 years of experience in IT management, information security, and cybersecurity with the Company. Information security risk is reported by the ISO or the CIO through quarterly metric reporting to the Information Services Steering Committee. This Committee establishes and oversees policies, programs, and other guidance to provide specific expectations for managing the Company’s cybersecurity risk.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	The ISO and the CIO are responsible for implementing and maintaining the Company’s cybersecurity risk management program. Information Security is led by the ISO, who reports directly to the President/Chief Executive Officer.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	The Company’s ISO has over 35 years of experience in IT management, information security, and cybersecurity with the Company.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	Information security risk is reported by the ISO or the CIO through quarterly metric reporting to the Information Services Steering Committee. This Committee establishes and oversees policies, programs, and other guidance to provide specific expectations for managing the Company’s cybersecurity risk.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2024
Insider Trading Arrangements [Line Items]
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

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2024
Summary of Significant Accounting Policies [Abstract]
Basis of Presentation	First Northern Community Bancorp (the “Company”) is a bank holding company whose only subsidiary, First Northern Bank of Dixon (“Bank”), a California state-chartered bank, conducts general banking activities, including collecting deposits and originating loans, and serves Solano, Yolo, Sacramento, Placer, El Dorado, Glenn, and Colusa Counties. All intercompany transactions between the Company and the Bank have been eliminated in consolidation. The consolidated financial statements also include the accounts of Yolano Realty Corporation, a wholly-owned subsidiary of the Bank. Yolano Realty Corporation was formed in September 2009 for the purpose of managing selected other real estate owned properties. Yolano Realty Corporation was an inactive subsidiary in 2024. The accounting and reporting policies of the Company conform with accounting principles generally accepted in the United States of America. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. Actual results could differ from those estimates applied in the preparation of the accompanying consolidated financial statements. For the Company, the most significant accounting estimates are the allowance for credit losses on loans and business combinations. A summary of the significant accounting policies applied in the preparation of the accompanying consolidated financial statements follows.
Cash Equivalents	(a) Cash Equivalents For purposes of the consolidated statements of cash flows, the Company considers due from banks, federal funds sold for one-day periods and short-term bankers acceptances to be cash equivalents. At times, the Company maintains deposits with other financial institutions in amounts that may exceed federal deposit insurance coverage. Management regularly evaluates the credit risk associated with correspondent banks.
Investment Securities and Allowance for Credit Losses	(b) Investment Securities and Allowance for Credit Losses Investment securities consist of U.S. Treasury securities, U.S. Agency securities, obligations of states and political subdivisions, obligations of U.S. Corporations, collateralized mortgage obligations and mortgage-backed securities. At the time of purchase of a security the Company designates the security as held-to-maturity or available-for-sale, based on its investment objectives, operational needs, and intent to hold. The Company does not purchase securities with the intent to engage in trading activity. Held-to-maturity securities are recorded at amortized cost, adjusted for amortization or accretion of premiums or discounts. Available-for-sale securities are recorded at fair value with unrealized holding gains and losses, net of the related tax effect, reported as a separate component of stockholders’ equity until realized. The amortized cost of securities is adjusted for amortization of premiums and accretion of discounts to the earliest call date using the effective interest method. Such amortization and accretion is included in investment income, along with interest and dividends. The cost of securities sold is based on the specific identification method; realized gains and losses resulting from such sales are included in earnings. For available-for-sale debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell, the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, an allowance for credit losses is recorded to bring the security’s amortized cost basis down to fair value. For debt securities available-for-sale that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, 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 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 unrealized losses that have not been recorded through an allowance for credit losses is recognized in other comprehensive income. Changes in the allowance for credit losses 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. Accrued interest receivable on available-for-sale debt securities is excluded from the estimate of credit losses. Accrued interest receivable on available-for-sale debt securities totaled $2,785 and $2,096 as of December 31, 2024 and December 31, 2023, respectively, and is included in interest receivable and other assets
Federal Home Loan Bank Stock and Other Equity Securities, at Cost	(c) Federal Home Loan Bank Stock and Other Equity Securities, at Cost The Bank is a member of the Federal Home Loan Bank of San Francisco (“FHLB”) and is required to obtain and hold a specific number of shares of capital stock of the FHLB. FHLB stock represents an equity interest that does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity). FHLB stock and other equity securities are recorded at cost and evaluated for impairment as of each reporting period .
Loans and Allowance for Credit Losses	(d) Loans and Allowance for Credit Losses Loans are reported at the principal amount outstanding, net of deferred loan fees and costs and the allowance for credit losses. Loan fees net of certain direct costs of origination, which represent an adjustment to interest yield are deferred and amortized over the contractual term of the loan using the interest method. Unearned discount on installment loans is recognized as income over the terms of the loans by the interest method. Interest on other loans is calculated by using the simple interest method on the daily balance of the principal amount outstanding. Loans on which the accrual of interest has been discontinued are designated as non-accrual loans. Accrual of interest on loans is discontinued either when reasonable doubt exists as to the full and timely collection of interest or principal or when a loan becomes contractually past due by ninety days or more with respect to interest or principal. When a loan is placed on non-accrual status, all interest previously accrued but not collected is reversed against current period interest income. Interest accruals are resumed on such loans only when they are brought fully current with respect to interest and principal and when, in the judgment of management, the loans are estimated to be fully collectible as to both principal and interest. Accrual of interest on loans that are modified commence after a sustained period of performance. Interest is generally accrued on such loans in accordance with the new terms. The allowance for credit l osses (ACL) is a valuation account that is deducted from the loan’s amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the allowance when management believes the recorded loan balance is confirmed as uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-of f. The Company measures its ACL using the current expected credit loss (CECL) methodology in accordance with Accounting Standards Codification Topic 326, Financial Instruments - Credit Losses (Topic 326). Management estimates the ACL using relevant information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. In determining the ACL, accruing loans with similar risk characteristics are generally evaluated collectively. To estimate expected losses the Company generally utilizes historical loss trends and the remaining contractual lives of the loan portfolios to determine estimated credit losses through a reasonable and supportable forecast period. Individual loan credit quality indicators, including historical credit losses, have been statistically correlated with various econometrics, including national unemployment rate and national gross domestic product. The Company moved from California state loss drivers to national loss drivers at the beginning of 2024. The reason for the change is a higher credit loss correlation between the national loss driver variables than the state loss driver variables. Loans that do not share similar risk charac teristics are individually evaluated by management for potential impairment. Included in loans individually evaluated are collateral dep The ACL is measured on a collective (pool) basis whe n similar risk characteristics exist. The Company has identified the following portfolio segments to evaluate and measure the ACL: Commercial : Commercial loans, whether secured or unsecured, generally are made to support the short-term operations and other needs of small businesses. These loans are generally secured by the receivables, equipment, and other real property of the business and are susceptible to the related risks described above. Problem commercial loans are generally identified by periodic review of financial information that may include financial statements, tax returns, and payment history of the borrower. Based on this information, the Company may decide to take any of several courses of action, including demand for repayment, requiring the borrower to provide a significant principal payment and/or additional collateral or requiring similar support from guarantors. Notwithstanding, when repayment becomes unlikely based on the borrower’s income and cash flow, repossession or foreclosure of the underlying collateral may become necessary. Collateral values may be determined by appraisals obtained through Bank-approved, licensed appraisers, qualified independent third parties, purchase invoices, or other appropriate documentation. : Commercial real estate loans generally fall into two categories: owner-occupied and non-owner occupied. Loans secured by owner-occupied real estate are primarily susceptible to changes in the market conditions of the related business. This may be driven by, among other things, industry changes, geographic business changes, changes in the individual financial capacity of the business owner, general economic conditions, and changes in business cycles. These same risks apply to commercial loans whether secured by equipment, receivables or other personal property or unsecured. Problem commercial real estate loans are generally identified by periodic review of financial information that may include financial statements, tax returns, payment history of the borrower, and site inspections. Based on this information, the Company may decide to take any of several courses of action, including demand for repayment, requiring the borrower to provide a significant principal payment and/or additional collateral or requiring similar support from guarantors. Notwithstanding, when repayment becomes unlikely based on the borrower’s income and cash flow, repossession or foreclosure of the underlying collateral may become necessary. Losses on loans secured by owner occupied real estate, equipment, or other personal property generally are dictated by the value of underlying collateral at the time of default and liquidation of the collateral. When default is driven by issues related specifically to the business owner, collateral values tend to provide better repayment support and may result in little or no loss. Alternatively, when default is driven by more general economic conditions, underlying collateral generally has devalued more and results in larger losses due to default. Loans secured by non-owner occupied real estate are primarily susceptible to risks associated with swings in occupancy or vacancy and related shifts in lease rates, rental rates or room rates. Most often, these shifts are a result of changes in general economic or market conditions or overbuilding and resulting over-supply of space. Losses are dependent on the value of underlying collateral at the time of default. Values are generally driven by these same factors and influenced by interest rates and required rates of return as well as changes in occupancy costs. Collateral values may be determined by appraisals obtained through Bank-approved, licensed appraisers, qualified independent third parties, sales invoices, or other appropriate means. Agriculture : Agricultural loans, whether secured or unsecured, generally are made to producers and processors of crops and livestock. Repayment is primarily from the sale of an agricultural product or service. Agricultural loans are generally secured by inventory, receivables, equipment, and other real property. Agricultural loans primarily are susceptible to changes in market demand for specific commodities. This may be exacerbated by, among other things, industry changes, changes in the individual financial capacity of the business owner, general economic conditions and changes in business cycles, as well as adverse weather conditions such as drought, fire, or floods. Problem agricultural loans are generally identified by periodic review of financial information that may include financial statements, tax returns, crop budgets, payment history, and crop inspections. Based on this information, the Company may decide to take any of several courses of action, including demand for repayment, requiring the borrower to provide a significant principal payment and/or additional collateral or requiring similar support from guarantors. Notwithstanding, when repayment becomes unlikely based on the borrower’s income and cash flow, repossession or foreclosure of the underlying collateral may become necessary. Residential mortgage loans : Residential mortgage loans, which are secured by real estate, are primarily susceptible to four risks; non-payment due to diminished or lost income, over-extension of credit, a lack of borrow : Construction loans, whether owner-occupied or non-owner occupied residential development loans, are not only susceptible to the risks related to residential mortgage loans, but the added risks of construction, including cost over-runs, mismanagement of the project, or lack of demand and market changes experienced at time of completion. Losses are primarily related to underlying collateral value and changes therein as described above. Problem construction loans are generally identified by periodic review of financial information that may include financia l statements, tax returns and payment history of the borrower. Based on this information, the Company may decide to take any of several courses of action, including demand for repayment, requiring the borrower to provide a significant principal payment and/or additional collateral or requiring similar support from guarantors, or repossession or foreclosure of the underlying collateral. Collateral values may be determined by appraisals obtained through Bank-approved, licensed appraisers, qualified independent third parties, purchase invoices, or other appropriate documentation. Consumer : Consumer loans, whether unsecured or secured, are primarily susceptible to four risks: non-payment due to diminished or lost income, over-extension of credit, a lack of borrower’s cash flow to sustain payments, and shortfall in collateral value. In general, non-payment is usually due to loss of employment and will follow Unfunded commitments : The estimated credit losses a ssociated with these unfunded lending commitments is calculated using the same models and methodologies noted above and incorporate utilization assumptions at time of default. The reserve for unfunded commitments is maintained on the Consolidated Balance Sheets in other liabilities. Accrued interest receivable on loans is not included in the calculation of the allowance for credit losses. Accrued interest receivable on loans totaled $4,875 and $4,713 as of December 31, 2024 and December 31, 2023, respectively, and is included in interest receivable and other assets
Loans Held-for-Sale	( e Loans Held-for-Sale Loans originated and held-for-sale are carried at the lower of cost or estimated fair value in the aggregate. Net fees and costs of originating loans held for sale are deferred and are included in the basis for determining the gain or loss on sales of loans held for sale. Net unrealized losses are recognized through a valuation allowance by charges to income.
Premises and Equipment	( f Premises and Equipment Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed substantially by the straight-line method over the estimated useful lives of the related assets. Leasehold improvements are depreciated over the estimated useful lives of the improvements or the terms of the related leases, whichever is shorter. The useful lives used in computing depreciation are as follows: Buildings and improvements 15 to 50 years Furniture and equipment 3 to 10 years
Other Real Estate Owned	( g Other Real Estate Owned Other real estate acquired by foreclosure is carried at fair value less estimated selling costs. Prior to foreclosure, the value of the underlying loan is written down to the fair value of the real estate to be acquired by a charge to the allowance for credit losses, if necessary. Fair value of other real estate owned is generally determined based on an appraisal of the property. Any subsequent operating expenses or income, reduction in estimated values and gains or losses on disposition of such properties are included in other operating expenses. Gain recognition on the disposition of real estate is dependent upon the transaction meeting certain criteria relating to the nature of the property sold and the terms of the sale. Under certain circumstances, revenue recognition may be deferred until these criteria are met. The Bank held no other real estate owned (“OREO”) as of December 31, 2024 and 2023.
Impairment of Long-Lived Assets and Long-Lived Assets to Be Disposed Of	( h Impairment of Long-Lived Assets and Long-Lived Assets to Be Disposed Of Long-lived assets and certain identifiable intangibles are required to be reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the fair value of the assets. Assets to be disposed of are reported at the lower of the carrying amount or fair value less costs to sell.
Pension Benefit Plans	( i ) Pension Benefit Plans The Company and the Bank maintain unfunded non-contributory defined benefit pension plans for a select group of highly compensated employees and directors, as well as a supplemental executive retirement plan. Net periodic benefit cost is recognized over the approximate service period of plan participants and includes discount rate assumptions. See Note 16 of Notes to Consolidated Financial Statements.
Revenue from Contracts with Customers	( j ) Revenue from Contracts with Customers The following are descriptions of the Company’s sources of Non-interest income within the scope of the FASB’s Accounting Standards Codification Topic 606, Revenue from Contracts with Customers (Topic 606) Service charges on deposit accounts Service charges on deposit accounts include account maintenance and analysis fees and transaction-based fees. Account maintenance and analysis fees consist primarily of account fees and analyzed account fees charged on deposit accounts on a monthly basis. The performance obligation is satisfied and the fees are recognized on a monthly basis as the service period is completed. Transaction-based fees consist of non-sufficient funds fees, wire fees, overdraft fees and fees on other products and services and are charged to deposit customers for specific services provided to the customer. The performance obligation is completed as the transaction occurs and the fees are recognized at the time each specific service is provided to the customer. Investment and brokerage services income The Bank earns investment and brokerage services fees for providing a broad range of alternative investment products and services through Raymond James Financial Services, Inc. Brokerage fees are generally earned in two ways. Brokerage fees for managed accounts charge a set annual percentage fee based on the underlying portfolio value and are earned and recognized on a quarterly basis. Brokerage fees for a standard commission account are charged on a per transaction fee and are earned and recognized at the time of the transaction. Debit card income Debit card income represents fees earned on Bank-issued debit card transactions. The Bank earns interchange fees from debit cardholder transactions through the related payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. The performance obligation is satisfied and the fees are earned when the cost of the transaction is charged to the cardholders’ account. Certain expenses directly associated with the debit card are recorded on a net basis with the interchange income. Other income Other income within the scope of Topic 606 includes check sales fees, bankcard fees, and merchant fees. Check sales fees, based on check sales volume, are received from check printing companies and are recognized monthly. Bankcard fees are earned from the Bank’s credit card program and are recognized monthly as the service period is completed. Merchant fees are earned for card payment services provided to its merchant customers. The Bank has a contract with a third party to provide card payment services to merchants that contract for those services. Merchant fees are recognized monthly as the service period is completed.
Gain or Loss on Sale of Loans and Servicing Rights	( k ) Gain or Loss on Sale of Loans and Servicing Rights Transfers and servicing of financial assets are accounted for and reported based on consistent application of a financial-components approach that focuses on control. Transfers of financial assets that are sales are distinguished from transfers that are secured borrowings. A sale is recognized when the transaction closes and the proceeds are other than beneficial interests in the assets sold. A gain or loss is recognized to the extent that the sales proceeds and the fair value of the servicing asset exceed or are less than the book value of the loan. The Company recognizes an asset for the fair value of the rights to service loans for others when loans are sold on a servicing-retained basis. The Company sold substantially all of its conforming long-term residential mortgage loans originated during the years ended December 31, 2024 and 2023, for cash proceeds equal to the fair value of the loans. Mortgage servicing rights (“MSR”) in loans sold are measured by allocating the previous carrying amount of the transferred assets between the loans sold and retained interest, if any, based on their relative fair value at the date of transfer. The Company determines its classes of servicing assets based on the asset type being serviced along with the methods used to manage the risk inherent in the servicing assets, which includes the market inputs used to value the servicing assets. The Company measures and reports its residential mortgage servicing assets initially at fair value and amortizes the servicing rights in proportion to, and over the period of, estimated net servicing revenues. Management assesses servicing rights for impairment as of each financial reporting date. Fair value adjustments that encompass market-driven valuation changes and the runoff in value that occurs from the passage of time are each separately reported. In determining the fair value of the MSR, the Company uses quoted market prices when available. Subsequent fair value measurements are determined using a discounted cash flow model. In order to determine the fair value of the MSR, the present value of expected future cash flows is estimated. Assumptions used include market discount rates, anticipated prepayment speeds, delinquency and foreclosure rates, and ancillary fee income. This model is periodically validated by an independent external model validation group. The model assumptions and the MSR fair value estimates are also compared to observable trades of similar portfolios as well as to MSR broker valuations and industry surveys, as available. Key assumptions used in measuring the fair value of the MSR as of December 31, were as follows: 2024 2023 Constant prepayment rate 6.76 % 6.09 % Discount rate 10.00 % 10.50 % Weighted average life (years) 7.55 7.99 The expected life of the loan can vary from management’s estimates due to prepayments by borrowers, especially when rates fall. Prepayments in excess of management’s estimates would negatively impact the recorded value of the mortgage servicing rights. The value of the mortgage servicing rights is also dependent upon the discount rate used in the model, which we base on current market rates. Management reviews this rate on an ongoing basis based on current market rates. A significant increase in the discount rate would reduce the value of mortgage servicing rights.
Income Taxes	( l Income Taxes The Company accounts for income taxes under the asset and liability method. Under the asset and liability method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the consolidated financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carry forwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.
Share Based Compensation	(m) Share Based Compensation The Company accounts for share based compensation transactions whereby the Company receives employee services in exchange for equity instruments, including stock options and restricted stock. The Company recognizes in the Consolidated Statements of Income the grant-date fair value of stock options and other equity-based forms of compensation issued to employees over their requisite service period (generally the vesting period). The fair value of options granted is determined on the date of the grant using a Black-Scholes-Merton pricing model. The grant date fair value of restricted stock is determined by the closing market price of the day prior to the grant date. The Company issues new shares of common stock upon the exercise of stock options. See Note 14 of Notes to Consolidated Financial Statements.
Earnings Per Share ("EPS")	( n ) Earnings Per Share (“EPS”) Basic EPS includes no dilution and is computed by dividing income available to common shareholders by the weighted-average number of common shares outstanding for the period, excluding non-vested restricted shares. Diluted EPS reflects the potential dilution of securities that could share in the earnings of an entity. The number of potential common shares included in annual diluted EPS is a year-to-date average of the number of potential common shares included in each quarter’s diluted EPS computation under the treasury stock method. The calculation of weighted average shares includes two classes of the Company’s outstanding common stock: common stock and restricted stock awards. Holders of restricted stock also receive dividends at the same rate as common shareholders, subject to vesting restrictions, and they both share equally in undistributed earnings. There are no unvested share-based payment awards that contain nonforfeitable rights to dividends. See Note 13 of Notes to Consolidated Financial Statements.
Advertising Costs	( o ) Advertising Costs Advertising costs were $460 and $474 for the years ended December 31, 2024 and 2023, respectively. Advertising costs are expensed as incurred.
Comprehensive Income	( p Comprehensive Income Accounting principles generally accepted in the United States require that recognized revenue, expenses, gains, and losses be included in net income. Certain changes in assets and liabilities, such as unrealized gain and losses on available-for-sale securities and directors’ and officers’ retirement plans, are reported as a separate component of the equity section of the Consolidated Balance Sheet. Such items, along with net income, are components of comprehensive income.
Stock Dividend	( q ) Stock Dividend On January 25, 2024, the Company announced that its Board of Directors had declared a 5% stock dividend which resulted in 739,924 shares, which was paid on March 25, 2024 to shareholders of record as of February 29, 2024. On January 23, 2025, the Company announced that its Board of Directors had declared a 5% stock dividend which will result in approximately 759,192 shares, which will be paid on March 25, 2025 to shareholders of record as of February 28, 2025. Data for earnings per share and stock compensation plans for all periods presented have been adjusted to give retroactive effect to stock dividends and stock splits, including the 5% stock dividend declared on January 23, 2025. December 31, 2024 figures included in the Consolidated Balance Sheets and Consolidated Statement of Stockholders’ Equity have been adjusted to reflect the estimated impact of the 2025 stock dividend. Figures that have been adjusted include common stock shares issued and outstanding, common stock balance and retained earnings balance. The December 31, 2023 and 2022 balances included in the Consolidated Balance Sheets and Statement of Stockholders’ Equity have not been adjusted to retroactively reflect the stock dividends, but instead show the historical rollforward of stock dividends declared.
Segment Reporting	( r ) Segment Reporting The Company is a holding company for a community bank, which offers a wide array of products and services to its customers. The Bank’s primary business is that of a traditional banking institution, gathering deposits and originating loans in its respective primary market areas. Pursuant to its banking strategy, emphasis is placed on building relationships with its customers, as opposed to building specific lines of business. As a result, the Company is not organized around discernible lines of business and prefers to work as an integrated unit to customize solutions for its customers, with business line emphasis and product offerings changing over time as needs and demands change. The Company’s operations are managed, and financial performance is evaluated by our chief operating decision maker on a Company-wide basis. The performance of the Company is reviewed monthly by the Company’s executive management and Board of Directors. As resource allocation and performance decisions are not made based on discrete financial information of individual lines of business, the Company considers its current business and operations as a single reportable operating
Business Combinations	(s) Business Combinations The Company accounts for acquisitions of businesses using the acquisition method of accounting. Under the acquisition method, assets acquired and liabilities assumed are recorded at their estimated fair values at the date of acquisition. Management utilizes various valuation techniques including discounted cash flow analyses to determine these fair values. Any excess of the purchase consideration over the fair value of acquired assets, including identifiable intangible assets, and liabilities assumed is recorded as goodwill and a deficit is recognized as a bargain purchase gain. Goodwill and intangible assets acquired in a business combination and that are determined to have an indefinite useful life are not amortized, but tested for impairment at least annually or more frequently if events and circumstances exist that indicate the necessity for such impairment tests to be performed. The Company has no goodwill arising from business combinations. The Company recognized a bargain purchase gain arising from business combinations in 2023. The Company recorded the fair values based on the valuations available as of reporting date. In accordance with business combination accounting guidance, the Company continued to evaluate these fair values for upto one year following the acquisition date. Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values. Core deposit intangible assets arising from business combinations are amortized on an accelerated basis reflecting the pattern in which the economic benefits of the intangible asset are consumed or otherwise used up. The total estimated life of the core deposit intangible is approximately
Impact of Recently Issued Accounting Standards	(t) Impact of Recently Issued Accounting Standards Accounting Standards Adopted in 2024 In January 2021, the FASB issued ASU 2021-01, Reference Rate Reform (Topic 848): Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848 In August 2023, the FASB issued ASU 2023-05, Business Combinations—Joint Venture (JV) Formations: Recognition and Initial Measurement In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280) : Company’s consolidated financial statements, however, Recently Issued Accounting Pronouncements In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures In March 2024, the FASB issued guidance within ASU 2024-01, Compensation—Stock Compensation (Topic 718): Scope Application of Profits Interest and Similar Awards permitted for both interim and annual financial statements that have not yet been issued or made available for issuance. If a company adopts the amendments in an interim period, it should adopt them as of the beginning of the annual period that includes the interim period. The amendments should be applied either (1) retrospectively to all prior periods presented in the financial statements or (2) on a prospective basis. The Company has evaluated this ASU and does not expect the adoption to have a material impact on the Company’s consolidated financial statements, as the Company does not typically provide these types of awards. In November 2024, the FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Clarifying the Effective Date

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2024
Summary of Significant Accounting Policies [Abstract]
Useful Lives Used in Computing Depreciation	The useful lives used in computing depreciation are as follows: Buildings and improvements 15 to 50 years Furniture and equipment 3 to 10 years
Key Assumptions Used in Measuring the Fair Value of Mortgage Servicing Rights	Key assumptions used in measuring the fair value of the MSR as of December 31, were as follows: 2024 2023 Constant prepayment rate 6.76 % 6.09 % Discount rate 10.00 % 10.50 % Weighted average life (years) 7.55 7.99

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2024
Investment Securities [Abstract]
Amortized Cost, Unrealized Gains and Losses, Estimated Fair Values and Related Allowance for Credit Losses on Investments in Debt and Other Securities	The amortized cost, unrealized gains and losses, estimated fair values and related allowance for credit losses on investments in debt and other securities at December 31, 2024 are summarized as follows: Amortized cost Unrealized gains Unrealized losses Estimated fair value ACL Investment securities available-for-sale: U.S. Treasury securities $ 107,188 $ 134 $ (1,777 ) $ 105,545 $ — Securities of U.S. government agencies and corporations 100,218 62 (4,596 ) 95,684 — Obligations of states and political subdivisions 72,576 87 (5,072 ) 67,591 — Collateralized mortgage obligations 113,641 5 (18,701 ) 94,945 — Mortgage-backed securities 288,723 70 (18,705 ) 270,088 — Total debt securities $ 682,346 $ 358 $ (48,851 ) $ 633,853 $ — The amortized cost, unrealized gains and losses, estimated fair values and related allowance for credit losses on investments in debt and other securities at December 31, 2023 are summarized as follows: Amortized Unrealized gains Unrealized losses Estimated fair value ACL Investment securities available-for-sale: U.S. Treasury securities $ 90,063 $ 134 $ (3,015 ) $ 87,182 $ — Securities of U.S. government agencies and corporations 121,305 105 (6,331 ) 115,079 — Obligations of states and political subdivisions 55,021 237 (3,581 ) 51,677 — Collateralized mortgage obligations 107,658 15 (16,726 ) 90,947 — Mortgage-backed securities 246,267 242 (19,037 ) 227,472 — Total debt securities $ 620,314 $ 733 $ (48,690 ) $ 572,357 $ —
Amortized Cost and Estimated Fair Value of Debt and Other Securities by Contractual Maturity	The amortized cost and estimated fair value of debt and other securities at December 31, 2024, by contractual maturity, are shown in the following table: Amortized cost Estimated fair value Maturity in years: Due in one year or less $ 62,647 $ 62,107 Due after one year through five years 131,918 127,071 Due after five years through ten years 40,745 38,370 Due after ten years 44,672 41,272 Subtotal 279,982 268,820 Mortgage-backed securities and Collateralized mortgage obligations 402,364 365,033 Total $ 682,346 $ 633,853
Analysis of Gross Unrealized Losses of the Available-for-sale Investment Securities Portfolio	An analysis of gross unrealized losses of the available-for-sale investment securities portfolio as of December 31, 2024, follows: Less than 12 months 12 months or more Total Fair Value Unrealized losses Fair Value Unrealized losses Fair Value Unrealized losses U.S. Treasury securities $ 27,055 $ (431 ) $ 42,603 $ (1,346 ) $ 69,658 $ (1,777 ) Securities of U.S. government agencies and corporations 22,383 (471 ) 58,585 (4,125 ) 80,968 (4,596 ) Obligations of states and political subdivisions 33,078 (1,083 ) 29,025 (3,989 ) 62,103 (5,072 ) Collateralized mortgage obligations 28,937 (1,860 ) 62,320 (16,841 ) 91,257 (18,701 ) Mortgage-backed securities 110,599 (2,715 ) 143,892 (15,990 ) 254,491 (18,705 ) Total $ 222,052 $ (6,560 ) $ 336,425 $ (42,291 ) $ 558,477 $ (48,851 ) An analysis of gross unrealized losses of the available-for-sale investment securities portfolio as of December 31, 2023, follows: Less than 12 months 12 months or more Total Fair Value Unrealized losses Fair Value Unrealized losses Fair Value Unrealized losses U.S. Treasury Securities $ — $ - $ 77,203 $ (3,015 ) $ 77,203 $ (3,015 ) Securities of U.S. government agencies and corporation 3,424 (7 ) 97,057 (6,324 ) 100,481 (6,331 ) Obligations of states and political subdivision 4,981 (31 ) 32,578 (3,550 ) 37,559 (3,581 ) Collateralized mortgage obligations 6,597 (26 ) 80,995 (16,700 ) 87,592 (16,726 ) Mortgage-backed securities 17,023 (124 ) 182,626 (18,913 ) 199,649 (19,037 ) Total $ 32,025 $ (188 ) $ 470,459 $ (48,502 ) $ 502,484 $ (48,690 )

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2024
Loans and Allowance for Credit Losses [Abstract]
Loan Portfolio, by Loan Class	The composition of the Company’s loan portfolio, by loan class, as of December 31, is as follows: 2024 2023 Commercial $ 117,921 $ 106,897 Commercial Real Estate 723,650 721,729 Agriculture 92,564 105,838 Residential Mortgage 105,886 107,328 Residential Construction 6,858 12,323 Consumer 15,716 14,868 1,062,595 1,068,983 Allowance for credit losses (15,885 ) (16,596 ) Net deferred origination fees and costs 142 78 Loans, net $ 1,046,852 $ 1,052,465
Activity in ACL on Loans by Loan Class	The following table summarizes the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the Consolidated Balance Sheets within other liabilities as of December 31, 2024: Allowance for Credit Losses – Year ended December 31, 2024 ($ in thousands) Beginning balance Charge-offs Recoveries Provision (Recovery) Ending Balance Commercial $ 2,041 $ (956 ) $ 60 $ 477 $ 1,622 Commercial Real Estate 10,864 — — (619 ) 10,245 Agriculture 997 — — 558 1,555 Residential Mortgage 2,005 — — (226 ) 1,779 Residential Construction 334 — — 99 433 Consumer 355 (28 ) 13 (89 ) 251 Allowance for credit losses on loans 16,596 (984 ) 73 200 15,885 Reserve for unfunded commitments 1,150 — — (450 ) 700 Total $ 17,746 $ (984 ) $ 73 $ (250 ) $ 16,585 The following table summarizes the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the Consolidated Balance Sheets within other liabilities as of December 31, 2023: Allowance for Credit Losses – Year ended December 31, 2023 ($ in thousands) Beginning balance Adoption of CECL Charge-offs Recoveries Provision (Recovery) Ending Balance Commercial $ 1,491 $ 689 $ (366 ) $ 235 $ (8 ) $ 2,041 Commercial Real Estate 10,259 (513 ) — — 1,118 10,864 Agriculture 1,789 (742 ) (2,567 ) 2,567 (50 ) 997 Residential Mortgage 896 923 (3 ) — 189 2,005 Residential Construction 181 221 — — (68 ) 334 Consumer 176 222 (13 ) 1 (31 ) 355 Allowance for credit losses on loans 14,792 800 (2,949 ) 2,803 1,150 16,596 Reserve for unfunded commitments 700 500 — — (50 ) 1,150 Total $ 15,492 $ 1,300 $ (2,949 ) $ 2,803 $ 1,100 $ 17,746
Amortized Cost of Collateral Dependent Loans by Class	The following table presents the amortized cost basis of collateral-dependent loans by class, which are individually evaluated to determine expected credit losses as of December 31, 2024 and December 31, 2023: December 31, 2024 ($ in thousands) Secured by 1-4 Family Residential Properties-1st lien Secured by 1-4 Family Residential Properties- junior lien Secured by 1-4 Family Residential Properties- revolving Commercial Construction and land development Commercial $ — $ — $ — $ 139 $ — Commercial Real Estate — — — — — Agriculture — — — — — Residential Mortgage 202 — — — — Residential Construction — — — — — Consumer — 282 360 — — Total $ 202 $ 282 $ 360 $ 139 $ — ($ in thousands) Secured by farmland Agriculture production loans Loans secured by owner- occupied, nonfarm nonresidential properties Loans secured by other nonfarm nonresidential properties Total Commercial $ — $ — $ — $ — $ 139 Commercial Real Estate — — — 7,993 7,993 Agriculture 740 1,496 — — 2,236 Residential Mortgage — — — — 202 Residential Construction — — — — — Consumer — — — — 642 Total $ 740 $ 1,496 $ — $ 7,993 $ 11,212 December 31, 2023 ($ in thousands) Secured by 1-4 Family Residential Properties-1st lien Secured by 1-4 Family Residential Properties- Secured by 1-4 Family Residential Properties- revolving Commercial Construction and land development Commercial $ — $ — $ — $ — $ — Commercial Real Estate — — — — — Agriculture — — — — — Residential Mortgage 424 — — — — Residential Construction — — — — — Consumer — 351 352 — — Total $ 424 $ 351 $ 352 $ — $ — ($ in thousands) Secured by farmland Agriculture production loans Loans secured by owner- occupied, nonfarm nonresidential properties Loans secured by other nonfarm nonresidential properties Total Commercial $ — $ — $ — $ — $ — Commercial Real Estate — — — — — Agriculture 946 1,925 — — 2,871 Residential Mortgage — — — — 424 Residential Construction — — — — — Consumer — — — — 703 Total $ 946 $ 1,925 $ — $ — $ 3,998
Loans by Delinquency and Non-Accrual Status	The Company’s loans by delinquency and non-accrual status, as of December 31, 2024 and December 31, 2023, was as follows: ($ in thousands) 30-59 days Past Due & Accruing 60-89 days Past Due & Accruing 90 days or More Past Due & Accruing Nonaccrual Loans Total Past Due & Nonaccrual Loans Current & Accruing Loans Total Loans Nonaccrual loans with No ACL December 31, 2024 Commercial $ 2,287 $ — $ — $ 139 $ 2,426 $ 115,495 $ 117,921 $ 139 Commercial Real Estate — — — 7,993 7,993 715,657 723,650 7,993 Agriculture 1,354 500 — 2,236 4,090 88,474 92,564 2,236 Residential Mortgage 749 — — 202 951 104,935 105,886 202 Residential Construction — — — — — 6,858 6,858 — Consumer — 10 — 642 652 15,064 15,716 642 Total $ 4,390 $ 510 $ — $ 11,212 $ 16,112 $ 1,046,483 $ 1,062,595 $ 11,212 December 31, 2023 Commercial $ 91 $ 178 $ — $ — $ 269 $ 106,628 $ 106,897 $ — Commercial Real Estate — — — — — 721,729 721,729 — Agriculture — — — 2,871 2,871 102,967 105,838 2,871 Residential Mortgage 976 — 916 424 2,316 105,012 107,328 424 Residential Construction — — 3,420 — 3,420 8,903 12,323 — Consumer 194 — — 703 897 13,971 14,868 703 Total $ 1,261 $ 178 $ 4,336 $ 3,998 $ 9,773 $ 1,059,210 $ 1,068,983 $ 3,998
Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty and Financial Effects of Loan Modifications	The amortized cost basis of loans that were experiencing both financial difficulty and modification during the year ended December 31, 2024 were as follows: ($ in thousands) Term Extension Combination Term Extension and Interest Rate Reduction Total Class of Financing Receivable Commercial $ 1,832 $ 45 1.59 % Commercial Real Estate — — — Agriculture — — — Residential Mortgage — — — Residential Construction — — — Consumer — — — Total $ 1,832 $ 45 0.18 % The Company had no commitments to lend additional funds to borrowers whose loans were modified at December 31, 2024. The amortized cost basis of loans that were experiencing both financial difficulty and modification during the year ended December 31, 2023 were as follows: ($ in thousands) Term Extension Combination Term Extension and Interest Rate Reduction Total Class of Financing Receivable Commercial $ 1,990 $ 41 1.90 % Commercial Real Estate — 395 0.05 % Agriculture 4,005 — 3.78 % Residential Mortgage — — — Residential Construction 3,420 — 27.75 % Consumer — — — Total $ 9,415 $ 436 0.92 % The Company had no commitments to lend additional funds to borrowers whose loans were modified at December 31, 2023. The following table presents the financial effect of the loan modifications to borrowers experiencing financial difficulty during the year ended December 31, 2024: ($ in thousands) Weighted-Average Interest Rate Reduction Weighted-Average Term Extension (in months) Commercial 3.00 % $ 9 Commercial Real Estate — — Agriculture — — Residential Mortgage — — Residential Construction — — Consumer — — Total 3.00 % $ 9 The following table presents the financial effect of the loan modifications to borrowers experiencing financial difficulty during the year ended December 31, 2023: ($ in thousands) Weighted-Average Interest Rate Reduction Weighted-Average Term Extension (in months) Commercial 0.50 % $ 3 Commercial Real Estate 0.25 % 26 Agriculture — 4 Residential Mortgage — — Residential Construction — 1 Consumer — — Total 0.27 % $ 3
Risk Ratings by Loan Class	borrower/guarantor has nothing of any value remaining to apply to the repayment of our loan. Any further collection activities would be of little value. The following tables present the loan portfolio by loan class, origination year, and internal risk rating as of December 31, 2024 and December 31, 2023. Generally, existing term loans that were re-underwritten are reflected in the table in the year of renewal. Lines of credit that have a conversion feature at the time of origination, such as construction to permanent loans, are presented by year of origination. Revolving loans converted to term loans totaled $3,121 and $881 as of December 31, 2024 and December 31, 2023, respectively. (in thousands) Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total Commercial Pass $ 36,065 $ 14,319 $ 11,885 $ 11,894 $ 3,442 $ 8,030 $ 27,272 $ 112,907 Special Mention — — 874 1,561 — — 1,590 4,025 Substandard 227 — — 32 471 — 259 989 Doubtful/Loss — — — — — — — — Total Commercial loans $ 36,292 $ 14,319 $ 12,759 $ 13,487 $ 3,913 $ 8,030 $ 29,121 $ 117,921 Year-to-date Charge-offs (47 ) (508 ) (224 ) (5 ) (163 ) (9 ) — (956 ) Year-to-date Recoveries — — 4 — — 56 — 60 Year-to-date Net Charge-offs (47 ) (508 ) (220 ) (5 ) (163 ) 47 — (896 ) Commercial Real Estate Pass $ 68,278 $ 113,937 $ 178,142 $ 160,484 $ 39,913 $ 121,862 $ 6,529 $ 689,145 Special Mention 2,909 — — 7,156 — 5,737 — 15,802 Substandard — 381 — 2,052 1,638 14,632 — 18,703 Doubtful/Loss — — — — — — — — Total Commercial Real Estate loans $ 71,187 $ 114,318 $ 178,142 $ 169,692 $ 41,551 $ 142,231 $ 6,529 $ 723,650 Year-to-date Charge-offs — — — — — — — — Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — — — — Agriculture Pass $ 4,857 $ 6,562 $ 14,846 $ 17,245 $ 5,675 10,252 $ 20,420 $ 79,857 Special Mention — — 3,884 5,477 726 — 300 10,387 Substandard — — — 740 — — 1,580 2,320 Doubtful/Loss — — — — — — — — Total Agriculture loans $ 4,857 $ 6,562 $ 18,730 $ 23,462 $ 6,401 $ 10,252 $ 22,300 $ 92,564 Year-to-date Charge-offs — — — — — — — — Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — — — — (in thousands) Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Total Residential Mortgage Pass $ 4,873 $ 20,162 $ 22,408 $ 26,123 $ 13,233 $ 18,886 $ — $ 105,685 Special Mention — — — — — — — — Substandard 79 — — 34 — 88 — 201 Doubtful/Loss — — — — — — — — Total Residential Mortgage loans $ 4,952 $ 20,162 $ 22,408 $ 26,157 $ 13,233 $ 18,974 $ — $ 105,886 Year-to-date Charge-offs — — — — — — — — Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — — — — Residential Construction Pass $ 1,525 $ 2,117 $ 1,998 $ 1,218 $ — $ — $ — $ 6,858 Special Mention — — — — — — — — Substandard — — — — — — — — Doubtful/Loss — — — — — — — — Total Residential Construction loans $ 1,525 $ 2,117 $ 1,998 $ 1,218 $ — $ — $ — $ 6,858 Year-to-date Charge-offs — — — — — — — — Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — — — — Consumer Pass $ 212 $ 145 $ 1,129 $ 109 $ 122 $ 286 $ 13,071 $ 15,074 Special Mention — — — — — — — — Substandard — — — — — — 642 642 Doubtful/Loss — — — — — — — — Total Consumer loans $ 212 $ 145 $ 1,129 $ 109 $ 122 $ 286 $ 13,713 $ 15,716 Year-to-date Charge-offs (28 ) — — — — — — (28 ) Year-to-date Recoveries 10 — — — — 3 — 13 Year-to-date Net Charge-offs (18 ) — — — — 3 — (15 ) Total Loans Pass $ 115,810 $ 157,242 $ 230,408 $ 217,073 $ 62,385 $ 159,316 $ 67,292 $ 1,009,526 Special Mention 2,909 — 4,758 14,194 726 5,737 1,890 30,214 Substandard 306 381 — 2,858 2,109 14,720 2,481 22,855 Doubtful/Loss — — — — — — — — Total Loans $ 119,025 $ 157,623 $ 235,166 $ 234,125 $ 65,220 $ 179,773 $ 71,663 $ 1,062,595 Year-to-date Charge-offs $ (75 ) $ (508 ) $ (224 ) $ (5 ) $ (163 ) $ (9 ) $ — $ (984 ) Year-to-date Recoveries $ 10 $ — $ 4 $ — $ — $ 59 $ — $ 73 Year-to-date Net Charge-offs $ (65 ) $ (508 ) $ (220 ) $ (5 ) $ (163 ) $ 50 $ — $ (911 ) (in thousands) Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Commercial Pass $ 19,776 $ 16,961 $ 15,833 $ 5,381 $ 7,420 $ 6,298 $ 26,183 $ 97,852 Special Mention — 1,122 2,530 235 308 — 2,936 7,131 Substandard — 32 1,152 542 — — 188 1,914 Doubtful/Loss — — — — — — — — Total Commercial loans $ 19,776 $ 18,115 $ 19,515 $ 6,158 $ 7,728 $ 6,298 $ 29,307 $ 106,897 Year-to-date Charge-offs (47 ) (196 ) (36 ) — (87 ) — — (366 ) Year-to-date Recoveries — — — — 87 148 — 235 Year-to-date Net Charge-offs (47 ) (196 ) (36 ) — — 148 — (131 ) Commercial Real Estate Pass $ 115,807 $ 173,918 $ 191,907 $ 50,150 $ 52,157 $ 107,909 $ 6,879 $ 698,727 Special Mention — — 7,448 — 2,869 1,273 — 11,590 Substandard 395 — 1,712 1,684 6,604 1,017 — 11,412 Doubtful/Loss — — — — — — — — Total Commercial Real Estate loans $ 116,202 $ 173,918 $ 201,067 $ 51,834 $ 61,630 $ 110,199 $ 6,879 $ 721,729 Year-to-date Charge-offs — — — — — — — — Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — — — — Agriculture Pass $ 6,842 $ 16,985 $ 20,511 $ 8,792 $ 2,509 11,437 $ 29,893 $ 96,969 Special Mention — 1,937 2,996 — — 1,064 — 5,997 Substandard — — 946 — 1,926 — — 2,872 Doubtful/Loss — — — — — — — — Total Agriculture loans $ 6,842 $ 18,922 $ 24,453 $ 8,792 $ 4,435 $ 12,501 $ 29,893 $ 105,838 Year-to-date Charge-offs (1,825 ) — — — — — (742 ) (2,567 ) Year-to-date Recoveries 1,825 — — — — — 742 2,567 Year-to-date Net Charge-offs — — — — — — — — (in thousands) Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Total Residential Mortgage Pass $ 20,239 $ 24,906 $ 26,429 $ 14,500 $ 5,481 $ 15,349 $ — $ 106,904 Special Mention — — — — — — — — Substandard — — 39 — — 385 — 424 Doubtful/Loss — — — — — — — — Total Residential Mortgage loans $ 20,239 $ 24,906 $ 26,468 $ 14,500 $ 5,481 $ 15,734 $ — $ 107,328 Year-to-date Charge-offs — — — — — (3 ) — (3 ) Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — (3 ) — (3 ) Residential Construction Pass $ 3,714 $ 1,991 $ 3,198 $ — $ — $ — $ — $ 8,903 Special Mention — — — — — — — — Substandard — 3,420 — — — — — 3,420 Doubtful/Loss — — — — — — — — Total Residential Construction loans $ 3,714 $ 5,411 $ 3,198 $ — $ — $ — $ — $ 12,323 Year-to-date Charge-offs — — — — — — — — Year-to-date Recoveries — — — — — — — — Year-to-date Net Charge-offs — — — — — — — — Consumer Pass $ 350 $ 758 $ 133 $ 149 $ 70 $ 273 $ 12,516 $ 14,249 Special Mention — — — — — — — — Substandard — — — — — — 619 619 Doubtful/Loss — — — — — — — — Total Consumer loans $ 350 $ 758 $ 133 $ 149 $ 70 $ 273 $ 13,135 $ 14,868 Year-to-date Charge-offs (13 ) — — — — — — (13 ) Year-to-date Recoveries — — — — — 1 — 1 Year-to-date Net Charge-offs (13 ) — — — — 1 — (12 ) Total Loans Pass $ 166,728 $ 235,519 $ 258,011 $ 78,972 $ 67,637 $ 141,266 $ 75,471 $ 1,023,604 Special Mention — 3,059 12,974 235 3,177 2,337 2,936 24,718 Substandard 395 3,452 3,849 2,226 8,530 1,402 807 20,661 Doubtful/Loss — — — — — — — — Total Loans $ 167,123 $ 242,030 $ 274,834 $ 81,433 $ 79,344 $ 145,005 $ 79,214 $ 1,068,983 Year-to-date Charge-offs $ (1,885 ) $ (196 ) $ (36 ) $ — $ (87 ) $ (3 ) $ (742 ) $ (2,949 ) Year-to-date Recoveries $ 1,825 $ — $ — $ — $ 87 $ 149 $ 742 $ 2,803 Year-to-date Net Charge-offs $ (60 ) $ (196 ) $ (36 ) $ — $ — $ 146 $ — $ (146 )

Mortgage Operations (Tables)

Mortgage Operations (Tables)	12 Months Ended
	Dec. 31, 2024
Mortgage Operations [Abstract]
Mortgage Servicing Rights Assets	The following table summarizes the activity related to the Company’s mortgage servicing rights assets for the years ended December 31, 2024 and 2023. Mortgage servicing rights are included in Interest Receivable and Other Assets on the Consolidated Balance Sheets. December 31, 2023 Additions Reductions December 31, 2024 Mortgage servicing rights $ 1,482 $ 38 $ (208 ) $ 1,312 Valuation allowance — — — — Mortgage servicing rights, net of valuation allowance $ 1,482 $ 38 $ (208 ) $ 1,312 December 31, 2022 Additions Reductions December 31, 2023 Mortgage servicing rights $ 1,650 $ 67 $ (235 ) $ 1,482 Valuation allowance — — — — Mortgage servicing rights, net of valuation allowance $ 1,650 $ 67 $ (235 ) $ 1,482

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2024
Premises and Equipment [Abstract]
Premises and Equipment	Premises and equipment consisted of the following at December 31, of the indicated years: 2024 2023 Land $ 2,823 $ 2,823 Buildings 8,703 8,659 Furniture and equipment 15,279 14,980 Leasehold improvements 2,673 2,673 29,478 29,135 Less accumulated depreciation and amortization 20,230 19,173 $ 9,248 $ 9,962

Interest Receivable and Other_2

Interest Receivable and Other Assets (Tables)	12 Months Ended
	Dec. 31, 2024
Interest Receivable and Other Assets [Abstract]
Interest Receivable and Other Assets	Interest receivable and other assets consisted of the following at December 31, of the indicated years: 2024 2023 Interest receivable $ 7,660 $ 6,810 Mortgage servicing rights asset (see Note 4) 1,312 1,482 Officer’s life insurance 16,058 15,638 Deferred tax assets, net (see Note 17) 19,042 19,594 Operating lease right-of-use asset (see Note 8) 3,155 4,073 Prepaid and other 5,181 5,871 $ 52,408 $ 53,468

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2024
Leases [Abstract]
Maturities of Remaining Lease Liabilities	The table below summarizes the payments of remaining lease liabilities at December 31: (in thousands) 2024 2025 $ 1,052 2026 672 2027 611 2028 625 2029 566 2030 and thereafter 329 Total lease payments 3,855 Less: interest (210 ) Present value of lease liabilities $ 3,645
Supplemental Cash Flow Information Related to Leases	The following table presents supplemental cash flow information related to leases for the year ended December 31: (in thousands) 2024 2023 Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 1,098 $ 1,207 Right-of-use assets obtained in exchange for new operating lease liabilities $ — $ 245
Weighted Average Operating Lease Term and Discount Rate	The following table presents the weighted average operating lease term and discount rate at December 31: 2024 2023 Weighted-average remaining lease term - operating leases, in years 4.87 5.43 Weighted-average discount rate - operating leases 2.36 % 2.42 %

Financial Instruments with Of_2

Financial Instruments with Off-Balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2024
Financial Instruments with Off-Balance Sheet Risk [Abstract]
Financial Instruments Whose Contract Amount Represent Credit Risk	Financial instruments, whose contract amounts represent credit risk at December 31 of the indicated periods, were as follows: 2024 2023 Undisbursed loan commitments $ 140,092 $ 187,401 Standby letters of credit 922 1,251 $ 141,014 $ 188,652

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2024
Commitments and Contingencies [Abstract]
Aggregate Maturities for Time Deposits	At December 31, 2024, the aggregate maturities for time deposits were as follows: Year ending December 31: 2025 $ 141,580 2026 4,332 2027 2,242 2028 1,422 2029 394 Thereafter — $ 149,970

Capital Adequacy and Restrict_2

Capital Adequacy and Restriction on Dividends (Tables)	12 Months Ended
	Dec. 31, 2024
Capital Adequacy and Restriction on Dividends [Abstract]
Tier I Leverage, Tier I Risk-Based and Total Risk-Based Capital	The Bank had Tier I Leverage, Common Equity Tier 1, Tier I Risk-Based and Total Risk-Based capital above the “well capitalized” levels at December 31, 2024 and 2023, respectively, as set forth in the following table (calculated in accordance with the Basel III capital rules): The Bank 2024 2023 Adequately Capitalized Well Capitalized Capital Ratio Capital Ratio Ratio* Ratio Tier 1 Leverage Capital (to Average Assets) $ 205,326 10.5 % $ 187,248 9.7 % 4.0 % 5.0 % Common Equity Tier 1 Capital (to Risk-Weighted Assets) 205,326 16.4 % 187,248 14.8 % 4.5 % 6.5 % Tier 1 Capital (to Risk-Weighted Assets) 205,326 16.4 % 187,248 14.8 % 6.0 % 8.0 % Total Risk-Based Capital (to Risk-Weighted Assets) 220,977 17.7 % 203,096 16.0 % 8.0 % 10.0 % * Ratio for regulatory requirement excludes the capital conservation buffer of 2.50%.

Fair Value Measurement (Tables)

Fair Value Measurement (Tables)	12 Months Ended
	Dec. 31, 2024
Fair Value Measurement [Abstract]
Assets and Liabilities Measured 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 as of December 31, 2024 and 2023. December 31, 2024 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. Treasury securities $ 105,545 $ 105,545 $ — $ — Securities of U.S. government agencies and corporations 95,684 — 95,684 — Obligations of states and political subdivisions 67,591 — 67,591 — Collateralized mortgage obligations 94,945 — 94,945 — Mortgage-backed securities 270,088 — 270,088 — Total investments at fair value $ 633,853 $ 105,545 $ 528,308 $ — December 31, 2023 Total Quoted Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. Treasury securities $ 87,182 $ 87,182 $ — $ — Securities of U.S. government agencies and corporations 115,079 — 115,079 — Obligations of states and political subdivisions 51,677 — 51,677 — Collateralized mortgage obligations 90,947 — 90,947 — Mortgage-backed securities 227,472 — 227,472 — Total investments at fair value $ 572,357 $ 87,182 $ 485,175 $ —
Assets Measured at Fair Value on a Nonrecurring Basis	Assets measured at fair value on a non-recurring basis are included in the table below by level within the fair value hierarchy as of December 31, 2024. (in thousands) December 31, 2024 Carrying Value Level 1 Level 2 Level 3 Individually evaluated loans $ 139 $ — $ — $ 139 Total assets at fair value $ 139 $ — $ — $ 139
Key Methods and Assumptions Used in Measuring Fair Value	Key methods and assumptions used in measuring the fair value of collateral dependent loans as of December 31, 2024 were as follows: Method Assumption Inputs Individually evaluated loans Collateral, market, income, enterprise, liquidation External appraised values, management assumptions regarding market trends or other relevant factors, selling costs generally ranging from 6% to 10%
Estimated Fair Value of Financial Instruments	The following table summarizes fair value estimates for financial instruments for the years ended December 31, 2024 and 2023, excluding financial instruments recorded at fair value on a recurring basis (summarized in the first table in this note). 2024 2023 Level Carrying amount Fair value Carrying amount Fair value Financial assets: Cash and cash equivalents 1 $ 119,448 $ 119,448 $ 149,211 $ 149,211 Certificates of deposit 2 16,074 16,129 19,710 19,570 Stock in Federal Home Loan Bank and other equity securities, at cost 3 10,518 10,518 10,518 10,518 Loans receivable: Net loans 3 1,046,852 974,746 1,052,465 958,077 Interest receivable 2 7,660 7,660 6,810 6,810 Mortgage servicing rights 3 1,312 1,910 1,482 2,094 Financial liabilities: Time deposits 3 149,970 149,752 135,696 135,540 Interest payable 2 1,215 1,215 1,567 1,567

Outstanding Shares and Earnin_2

Outstanding Shares and Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2024
Outstanding Shares and Earnings Per Share [Abstract]
Basic and Diluted Earnings Per Share	Basic and diluted earnings per share for the years ended December 31, were computed as follows: 2024 2023 Basic earnings per share: Net income $ 20,034 $ 21,554 Weighted average common shares outstanding 15,896,475 15,932,056 Basic earnings per share $ 1.26 $ 1.35 Diluted earnings per share: Net income $ 20,034 $ 21,554 Weighted average common shares outstanding 15,896,475 15,932,056 Effect of dilutive shares 212,565 150,815 Adjusted weighted average common shares outstanding 16,109,040 16,082,871 Diluted earnings per share $ 1.24 $ 1.34

Stock Compensation Plans (Table

Stock Compensation Plans (Tables)	12 Months Ended
	Dec. 31, 2024
Stock Compensation Plans [Abstract]
Stock Option Activity	Stock option activity under the Plan during the year ended December 31, 2024, was as follows: Stock Options Number of shares Weighted average exercise price Balance at December 31, 2023 674,918 $ 8.00 Granted — — Exercised (52,905 ) 6.59 Cancelled/Forfeited (15,825 ) 9.26 Expired (92,981 ) 8.66 Balance at December 31, 2024 513,207 $ 7.99
Information on Stock Options	The following table presents information on stock options for the year ended December 31, 2024: Number of Shares Weighted Average Exercise Price Aggregate Intrinsic Value Weighted Average Remaining Contractual Term Options exercised 52,905 $ 6.59 $ 90 — Stock options outstanding and expected to vest: 513,207 $ 7.99 $ 784 3.77 Stock options vested and currently exercisable: 488,339 $ 7.94 $ 768 3.60
Information about Non-vested Restricted Stock Awards Outstanding	The following table presents information about non-vested restricted stock awards outstanding for the year ended December 31, 2024: Restricted Stock Awards Number of shares Weighted average grant date fair value Balance at December 31, 2023 287,981 $ 8.30 Granted 90,378 7.96 Vested (84,068 ) 8.50 Cancelled/Forfeited (21,530 ) 8.33 Balance at December 31, 2024 272,761 $ 8.12

Supplemental Compensation Pla_2

Supplemental Compensation Plans (Tables) - Pension Plan [Member]	12 Months Ended
	Dec. 31, 2024
Salary Continuation Plan and SERP [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Pension Benefit Plans	The following table sets forth the status of the Salary Continuation Plan and SERP as of December 31, 2024 and December 31, 2023: 2024 2023 Change in benefit obligation Benefit obligation at beginning of year $ 4,979 $ 5,339 Service cost 138 158 Interest cost 258 263 Plan gain (391 ) (336 ) Benefits paid (484 ) (445 ) Benefit obligation at end of year $ 4,500 $ 4,979 Change in plan assets Employer contribution $ 484 $ 445 Benefits paid (484 ) (445 ) Fair value of plan assets at end of year $ — $ — Reconciliation of funded status Funded status $ (4,500 ) $ (4,979 ) Unrecognized net plan loss (322 ) 69 Unrecognized prior service cost 29 31 Net amount recognized $ (4,793 ) $ (4,879 ) Amounts recognized in the consolidated balance sheets consist of: Accrued benefit liability $ (4,500 ) $ (4,979 ) Accumulated other comprehensive loss (293 ) 100 Net amount recognized $ (4,793 ) $ (4,879 ) The Company expects to recognize approximately $2 of the unrecognized net actuarial loss and prior service cost as a component of net periodic benefit cost in 2025.
Components of Net Periodic Benefit Cost	For the Year ended December 31, 2024 2023 Components of net periodic benefit cost Service cost $ 138 $ 158 Interest cost 258 263 Amortization of prior service cost 2 2 Recognized actuarial loss — — Net periodic benefit cost 398 423 Additional Information Minimum benefit obligation at year end $ 4,500 $ 4,979 Decrease in minimum liability included in other comprehensive loss $ (393 ) $ (338 )
Assumptions Used to Determine Benefit Obligations	Assumptions used to determine benefit obligations at December 31 2024 2023 Discount rate used to determine net periodic benefit cost for years ended December 31 5.30 % 5.00 % Discount rate used to determine benefit obligations at December 31 5.50 % 5.30 % Future salary increases 5.30 % 5.60 %
Expected Future Services Expected to Be Paid in Future Fiscal Years	The following benefit payments, which reflect expected future service, are expected to be paid in future fiscal years: Year ending December 31, Pension Benefits 2025 $ 437 2026 352 2027 302 2028 302 2029 302 2030 2034 1,478
Directors' Retirement Plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Pension Benefit Plans	The following table sets forth the status of the Directors’ Retirement Plan as of December 31, 2024 and December 31, 2023: 2024 2023 Change in benefit obligation Benefit obligation at beginning of year $ 424 $ 560 Service cost — — Interest cost 20 24 Plan gain (2 ) (100 ) Benefits paid (45 ) (60 ) Benefit obligation at end of year $ 397 $ 424 Change in plan assets Employer contribution $ 45 $ 60 Benefits paid (45 ) (60 ) Fair value of plan assets at end of year $ — $ — Reconciliation of funded status Funded status $ (397 ) $ (424 ) Unrecognized net plan gain (142 ) (172 ) Net amount recognized $ (539 ) $ (596 ) Amounts recognized in the consolidated balance sheets consist of: Accrued benefit liability $ (397 ) $ (424 ) Accumulated other comprehensive gain (142 ) (172 ) Net amount recognized $ (539 ) $ (596 )
Components of Net Periodic Benefit Cost	For the Year Ended December 31, 2024 2023 Components of net periodic benefit cost Service cost $ — $ — Interest cost 20 24 Recognized actuarial gain (33 ) (4 ) Net periodic benefit cost (13 ) 20 Additional Information Minimum benefit obligation at year end $ 397 $ 424 Decrease in minimum liability included in other comprehensive loss $ 30 $ (96 )
Assumptions Used to Determine Benefit Obligations	Assumptions used to determine benefit obligations at December 31 2024 2023 Discount rate used to determine net periodic benefit cost for years ended December 31 5.00 % 4.60 % Discount rate used to determine benefit obligations at December 31 5.10 % 5.00 %
Expected Future Services Expected to Be Paid in Future Fiscal Years	The following benefit payments, which reflect expected future service, are expected to be paid in future fiscal years: Year ending December 31, Pension Benefits 2025 $ 50 2026 45 2027 31 2028 20 2029 39 2030 2039 360

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2024
Income Taxes [Abstract]
Provision for Income Tax Expense	The provision for income tax expense consisted of the following for the years ended December 31: 2024 2023 Current: Federal $ 4,525 $ 5,349 State 2,678 3,147 7,203 8,496 Deferred: Federal 324 (400 ) State 279 (4 ) 603 (404 ) $ 7,806 $ 8,092
Deferred Tax Assets and Liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2024 and 2023, consisted of: 2024 2023 Deferred tax assets: Allowance for credit losses $ 4,903 $ 5,246 Deferred compensation 45 64 Retirement compensation 1,575 1,617 Stock option compensation 467 453 Current state franchise taxes 578 657 Non-accrual interest 426 333 Lease liability 1,065 1,349 Investment securities unrealized loss 14,337 14,178 Other 394 281 Deferred tax assets 23,790 24,178 Deferred tax liabilities: Fixed assets depreciation 761 970 FHLB dividends 184 184 Tax credit – loss on pass-through 824 489 Deferred loan costs 848 940 Mortgage servicing rights 388 383 Right of Use Asset 933 1,204 Postretirement benefits 129 21 Other 681 393 Total deferred tax liabilities 4,748 4,584 Net deferred tax assets (see Note 6) $ 19,042 $ 19,594
Reconciliation of Income Taxes Computed at Federal Statutory Rates and Provision for Income Taxes	A reconciliation of income taxes computed at the federal statutory rate and the provision for income taxes for the years ended December 31, is as follows: 2024 2023 Federal statutory income tax rate 21.0 % 21.0 % Increase (decrease) in tax rate due to: State franchise tax, net of federal benefit 8.4 % 8.4 % Reduction for tax exempt interest (1.5 )% (1.2 )% Cash surrender value of life insurance (0.3 )% (0.4 )% Other 0.4 % (0.5 )% Effective income tax rate 28.0 % 27.3 %

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income/(Loss) (Tables)	12 Months Ended
	Dec. 31, 2024
Accumulated Other Comprehensive Income/(Loss) [Abstract]
Accumulated Other Comprehensive Loss	The following table details activity in accumulated other comprehensive loss for the year ended December 31, 2024. Unrealized Losses on Securities Officers’ retirement plan Directors’ retirement plan Accumulated Other Comprehensive loss Balance as of December 31, 2023 $ (33,778 ) $ (70 ) $ 121 $ (33,727 ) Current period other comprehensive income (loss), net of tax (379 ) 277 (22 ) (124 ) Balance as of December 31, 2024 $ (34,157 ) $ 207 $ 99 $ (33,851 ) The following table details activity in accumulated other comprehensive income/(loss) for the year ended December 31, 2023. Unrealized Gains (Losses) on Securities Officers’ retirement plan Directors’ retirement plan Accumulated Other Comprehensive Income/(loss) Balance as of December 31, 2022 $ (46,273 ) $ (308 ) $ 53 $ (46,528 ) Current period other comprehensive income, net of tax 12,495 238 68 12,801 Balance as of December 31, 2023 $ (33,778 ) $ (70 ) $ 121 $ (33,727 )

Supplemental Consolidated Sta_2

Supplemental Consolidated Statements of Cash Flows Information (Tables)	12 Months Ended
	Dec. 31, 2024
Supplemental Consolidated Statements of Cash Flows Information [Abstract]
Supplemental Disclosures to Consolidated Statements of Cash Flows	Supplemental disclosures to the Consolidated Statements of Cash Flows for the years ended December 31, are as follows: 2024 2023 Supplemental disclosure of cash flow information: Cash paid during the year for: Interest $ 14,644 $ 6,110 Income taxes 7,670 8,500 Supplemental disclosure of non-cash investing and financing activities: Stock dividend distributed 6,392 5,652 Fair value adjustment of securities available for sale, net of tax of $( 157 5,240 2024 2023 (379 ) 12,495 Recognition of right-of-use assets obtained in exchange for operating lease liabilities — 245 Market value of shares tendered in-lieu of cash to pay for exercise of options 348 361 Non-cash assets acquired (liabilities assumed) in acquisition: Total assets acquired — 12,612 Total liabilities assumed — (115,916 )

Parent Company Financial Info_2

Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2024
Parent Company Financial Information [Abstract]
Balance Sheets	This information should be read in conjunction with the other notes to the consolidated financial statements. The following presents summary balance sheets and summary statements of income and cash flows information for the years ended December 31: Balance Sheets 2024 2023 Assets Cash $ 1,097 $ 1,359 Investment in wholly-owned subsidiary 174,796 157,662 Interest receivable and other assets 439 224 Total assets $ 176,332 $ 159,245 Liabilities and stockholders’ equity Liabilities — — Stockholders’ equity 176,332 159,245 Total liabilities and stockholders’ equity $ 176,332 $ 159,245
Statements of Income	Statements of Income 2024 2023 Dividends from subsidiary $ 3,000 $ — Other operating expenses (318 ) (308 ) Income tax benefit 94 91 Loss before undistributed earnings of subsidiary 2,776 (217 ) Equity in undistributed earnings of subsidiary 17,258 21,771 Net income $ 20,034 $ 21,554
Statements of Cash Flows	Statements of Cash Flows 2024 2023 Net income $ 20,034 $ 21,554 Adjustments to reconcile net income to net cash provided by operating activities Stock-based compensation 846 820 Increase in interest receivable and other assets (215 ) (224 ) Equity in undistributed earnings of subsidiary (17,258 ) (21,771 ) Net cash provided by operating activities 3,407 379 Cash flows from financing activities: Common stock issued 102 96 Stock repurchases (3,764 ) (143 ) Cash dividends paid in lieu of fractional shares (7 ) (7 ) Net cash provided by financing activities (3,669 ) (54 ) Net change in cash (262 ) 325 Cash at beginning of year 1,359 1,034 Cash at end of year $ 1,097 $ 1,359

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2024
Related Party Transactions [Abstract]
Loans to Executive Officers and Directors	The following is an analysis of the activity of loans to executive officers and directors for the years ended December 31: 2024 2023 Outstanding balance, beginning of year $ 2,422 $ 2,583 Credit granted — 25 Repayments / Reductions (865 ) (186 ) Outstanding balance, end of year $ 1,557 $ 2,422

Segment Disclosures (Tables)

Segment Disclosures (Tables)	12 Months Ended
	Dec. 31, 2024
Segment Disclosures [Abstract]
Segment Information	Accounting policies for segments are the same as those described in Note 1 of Notes to Consolidated Financial Statements. For the Year Ended December 31 2024 2023 Interest and dividend income $ 78,652 $ 74,123 Reconciliation of revenue: Other revenues 6,019 7,845 Total consolidated revenue 84,671 81,968 Less: Interest expense 14,292 7,584 Segment net interest income and noninterest income 70,379 74,384 Less: (Reversal of) provision for credit losses (250 ) 1,100 Salaries and employee benefits 23,850 25,914 Occupancy and equipment 4,736 4,329 Data processing 4,224 4,043 Other banking segment items 9,979 9,352 Provision for income taxes 7,806 8,092 Segment net income/consolidated net income $ 20,034 $ 21,554 Reconciliation of assets: Total assets for reportable segment $ 1,891,722 $ 1,871,832 Other assets — — Total consolidated assets $ 1,891,722 $ 1,871,832

Business Combinations (Tables)

Business Combinations (Tables)	12 Months Ended
	Dec. 31, 2024
Business Combinations [Abstract]
Summary of Assets Acquired and Liabilities Assumed	The following table summarizes the consideration paid for the acquired branches and amounts of assets acquired and liabilities assumed that were recorded at the acquisition date (in thousands): Acquired Branches January 20, 2023 Fair value of consideration received: Cash consideration $ 103,425 Total fair value of consideration received 103,425 Assets acquired: Cash and cash equivalents 1,284 Loans 4,006 Premises and equipment 3,621 Core deposit intangible 4,970 Other assets 15 Total assets acquired 13,896 Liabilities assumed: Deposits 115,914 Other liabilities 2 Total liabilities assumed 115,916 Total net liabilities assumed 102,020 Bargain purchase gain recognized $ 1,405 A summary of the estimated fair value adjustments resulting in the bargain purchase gain recorded in the branch acquisition are presented below (in thousands): Acquired Branches January 20, 2023 Cash consideration received $ 103,425 Less: Cost basis of net liabilities assumed (107,097 ) Fair Value Adjustments: Loans (363 ) Premises and equipment 307 Core deposit intangible 4,970 Deposits 163 Bargain purchase gain recognized $ 1,405

Summary of Significant Accoun_4

Summary of Significant Accounting Policies (Details) $ in Thousands			12 Months Ended
	Jan. 23, 2025 shares	Jan. 25, 2024 shares	Dec. 31, 2024 USD ($) Category	Dec. 31, 2023 USD ($)
Loans [Abstract]
Contractually past due period for loans to be determined to be non-accrual			90 days
Loan Portfolio by Loan Class [Abstract]
Accrued interest receivable, available-for-sale debt securities			$ 2,785	$ 2,096
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]			Interest Receivable and Other Assets	Interest Receivable and Other Assets
Accrued interest receivable, loans			$ 4,875	$ 4,713
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]			Interest Receivable and Other Assets	Interest Receivable and Other Assets
Other Real Estate Owned [Abstract]
Other real estate owned			$ 0	$ 0
Key assumptions used in measuring the fair value of mortgage servicing rights [Abstract]
Constant prepayment rate			6.76%	6.09%
Discount rate			10%	10.50%
Weighted average life			7 years 6 months 18 days	7 years 11 months 26 days
Advertising Costs [Abstract]
Advertising costs			$ 460	$ 474
Business Combination [Abstract]
Goodwill			$ 0
Buildings and Improvements [Member] | Minimum [Member]
Premises and Equipment [Abstract]
Useful lives used in computing depreciation			15 years
Buildings and Improvements [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Useful lives used in computing depreciation			50 years
Furniture and Equipment [Member] | Minimum [Member]
Premises and Equipment [Abstract]
Useful lives used in computing depreciation			3 years
Furniture and Equipment [Member] | Maximum [Member]
Premises and Equipment [Abstract]
Useful lives used in computing depreciation			10 years
Core Deposits Intangible [Member]
Business Combination [Abstract]
Estimated useful life			10 years
Commercial Real Estate [Member]
Loan Portfolio by Loan Class [Abstract]
Number of categories of loans | Category			2
Q1-2024 Dividend [Member]
Stock Dividend [Abstract]
Dividends, date declared			Jan. 25, 2024
Stock dividend percentage		5%
Stock dividend (in shares) | shares		739,924
Dividend paid date			Mar. 25, 2024
Dividends payable, date of record			Feb. 29, 2024
Q1-2025 Dividend [Member] | Subsequent Event [Member]
Stock Dividend [Abstract]
Dividends, date declared	Jan. 23, 2025
Stock dividend percentage	5%
Stock dividend (in shares) | shares	759,192
Dividend paid date	Mar. 25, 2025
Dividends payable, date of record	Feb. 28, 2025

Investment Securities, Amortize

Investment Securities, Amortized Cost, Unrealized Gains and Losses, Estimated Fair Values and Related Allowance for Credit Losses on Investments in Debt and Other Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Investment securities available-for-sale [Abstract]
Amortized cost	$ 682,346	$ 620,314
Unrealized gains	358	733
Unrealized losses	(48,851)	(48,690)
Estimated fair value	633,853	572,357
ACL	0	0
Gross realized gains from sales of available-for-sale securities	0	96
Gross realized losses from sales of available-for-sale securities	234	208
U.S. Treasury Securities [Member]
Investment securities available-for-sale [Abstract]
Amortized cost	107,188	90,063
Unrealized gains	134	134
Unrealized losses	(1,777)	(3,015)
Estimated fair value	105,545	87,182
ACL	0	0
Securities of U.S. Government Agencies and Corporations [Member]
Investment securities available-for-sale [Abstract]
Amortized cost	100,218	121,305
Unrealized gains	62	105
Unrealized losses	(4,596)	(6,331)
Estimated fair value	95,684	115,079
ACL	0	0
Obligations of States and Political Subdivisions [Member]
Investment securities available-for-sale [Abstract]
Amortized cost	72,576	55,021
Unrealized gains	87	237
Unrealized losses	(5,072)	(3,581)
Estimated fair value	67,591	51,677
ACL	0	0
Collateralized Mortgage Obligations [Member]
Investment securities available-for-sale [Abstract]
Amortized cost	113,641	107,658
Unrealized gains	5	15
Unrealized losses	(18,701)	(16,726)
Estimated fair value	94,945	90,947
ACL	0	0
Mortgage-backed Securities [Member]
Investment securities available-for-sale [Abstract]
Amortized cost	288,723	246,267
Unrealized gains	70	242
Unrealized losses	(18,705)	(19,037)
Estimated fair value	270,088	227,472
ACL	$ 0	$ 0

Investment Securities, Contract

Investment Securities, Contractual and Expected Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Maturity in years [Abstract]
Due in one year or less	$ 62,647
Due after one year through five years	131,918
Due after five years through ten years	40,745
Due after ten years	44,672
Subtotal	279,982
Mortgage-backed securities and Collateralized mortgage obligations	402,364
Amortized cost	682,346	$ 620,314
Maturity in years [Abstract]
Due in one year or less	62,107
Due after one year through five years	127,071
Due after five years through ten years	38,370
Due after ten years	41,272
Subtotal	268,820
Mortgage-backed securities and Collateralized mortgage obligations	365,033
Estimated fair value	$ 633,853	$ 572,357

Investment Securities, Analysis

Investment Securities, Analysis of Gross Unrealized Losses (Details) $ in Thousands	Dec. 31, 2024 USD ($) Security	Dec. 31, 2023 USD ($)
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	$ 222,052	$ 32,025
12 months or more, fair value	336,425	470,459
Total fair value	558,477	502,484
Less than 12 months, unrealized losses	(6,560)	(188)
12 Months or more, unrealized losses	(42,291)	(48,502)
Total unrealized losses	$ (48,851)	(48,690)
Investment securities in unrealized loss position less than 12 months | Security	155
Investment securities in unrealized loss position more than 12 months | Security	375
Allowance for credit losses on available-for-sale securities	$ 0	0
Public Deposits or Other [Member] | Asset Pledged as Collateral [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Investment securities	53,589	43,884
U.S. Treasury Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	27,055	0
12 months or more, fair value	42,603	77,203
Total fair value	69,658	77,203
Less than 12 months, unrealized losses	(431)	0
12 Months or more, unrealized losses	(1,346)	(3,015)
Total unrealized losses	(1,777)	(3,015)
Allowance for credit losses on available-for-sale securities	0	0
Securities of U.S. Government Agencies and Corporations [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	22,383	3,424
12 months or more, fair value	58,585	97,057
Total fair value	80,968	100,481
Less than 12 months, unrealized losses	(471)	(7)
12 Months or more, unrealized losses	(4,125)	(6,324)
Total unrealized losses	(4,596)	(6,331)
Allowance for credit losses on available-for-sale securities	0	0
Obligations of States and Political Subdivisions [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	33,078	4,981
12 months or more, fair value	29,025	32,578
Total fair value	62,103	37,559
Less than 12 months, unrealized losses	(1,083)	(31)
12 Months or more, unrealized losses	(3,989)	(3,550)
Total unrealized losses	(5,072)	(3,581)
Allowance for credit losses on available-for-sale securities	0	0
Collateralized Mortgage Obligations [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	28,937	6,597
12 months or more, fair value	62,320	80,995
Total fair value	91,257	87,592
Less than 12 months, unrealized losses	(1,860)	(26)
12 Months or more, unrealized losses	(16,841)	(16,700)
Total unrealized losses	(18,701)	(16,726)
Allowance for credit losses on available-for-sale securities	0	0
Mortgage-backed Securities [Member]
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, fair value	110,599	17,023
12 months or more, fair value	143,892	182,626
Total fair value	254,491	199,649
Less than 12 months, unrealized losses	(2,715)	(124)
12 Months or more, unrealized losses	(15,990)	(18,913)
Total unrealized losses	(18,705)	(19,037)
Allowance for credit losses on available-for-sale securities	$ 0	$ 0

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses, Loan Portfolio by Loan Class (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Loan Portfolio by Loan Class [Abstract]
Loans	$ 1,062,595	$ 1,068,983
Allowance for credit losses	(15,885)	(16,596)	$ (14,792)
Net deferred origination fees and costs	142	78
Loans, net	1,046,852	1,052,465
Commercial [Member]
Loan Portfolio by Loan Class [Abstract]
Loans	117,921	106,897
Allowance for credit losses	(1,622)	(2,041)	(1,491)
Commercial Real Estate [Member]
Loan Portfolio by Loan Class [Abstract]
Loans	723,650	721,729
Allowance for credit losses	(10,245)	(10,864)	(10,259)
Agriculture [Member]
Loan Portfolio by Loan Class [Abstract]
Loans	92,564	105,838
Allowance for credit losses	(1,555)	(997)	(1,789)
Residential Mortgage [Member]
Loan Portfolio by Loan Class [Abstract]
Loans	105,886	107,328
Allowance for credit losses	(1,779)	(2,005)	(896)
Residential Construction [Member]
Loan Portfolio by Loan Class [Abstract]
Loans	6,858	12,323
Allowance for credit losses	(433)	(334)	(181)
Consumer [Member]
Loan Portfolio by Loan Class [Abstract]
Loans	15,716	14,868
Allowance for credit losses	$ (251)	$ (355)	$ (176)

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses, Allowance for Credit Losses (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) Variable	Dec. 31, 2023 USD ($)
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	$ 16,596	$ 14,792
Total beginning balance	17,746	15,492
Charge-offs	(984)	(2,949)
Total charge offs	(984)	(2,949)
Recoveries	73	2,803
Total recoveries	73	2,803
Provision (recovery)	200	1,150
Reversal of provision for credit losses	(250)	1,100
Ending balance	15,885	16,596
Total ending balance	$ 16,585	17,746
Number of utilized economic variables | Variable	2
Impact of Adopting ASC 326 [Member] | ASU 2016-13 [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	$ 800
Total beginning balance	1,300
Ending balance		800
Total ending balance		1,300
Reserve for Unfunded Commitments [Member]
Activity in ACL on loans by loan class [Roll Forward]
Total beginning balance	1,150	700
Total charge offs	0	0
Total recoveries	0	0
Reversal of provision for credit losses	(450)	(50)
Total ending balance	700	1,150
Reserve for Unfunded Commitments [Member] | Impact of Adopting ASC 326 [Member] | ASU 2016-13 [Member]
Activity in ACL on loans by loan class [Roll Forward]
Total beginning balance	500
Total ending balance		500
Commercial [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	2,041	1,491
Charge-offs	(956)	(366)
Recoveries	60	235
Provision (recovery)	477	(8)
Ending balance	1,622	2,041
Commercial [Member] | Impact of Adopting ASC 326 [Member] | ASU 2016-13 [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	689
Ending balance		689
Commercial Real Estate [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	10,864	10,259
Charge-offs	0	0
Recoveries	0	0
Provision (recovery)	(619)	1,118
Ending balance	10,245	10,864
Commercial Real Estate [Member] | Impact of Adopting ASC 326 [Member] | ASU 2016-13 [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	(513)
Ending balance		(513)
Agriculture [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	997	1,789
Charge-offs	0	(2,567)
Recoveries	0	2,567
Provision (recovery)	558	(50)
Ending balance	1,555	997
Agriculture [Member] | Impact of Adopting ASC 326 [Member] | ASU 2016-13 [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	(742)
Ending balance		(742)
Residential Mortgage [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	2,005	896
Charge-offs	0	(3)
Recoveries	0	0
Provision (recovery)	(226)	189
Ending balance	1,779	2,005
Residential Mortgage [Member] | Impact of Adopting ASC 326 [Member] | ASU 2016-13 [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	923
Ending balance		923
Residential Construction [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	334	181
Charge-offs	0	0
Recoveries	0	0
Provision (recovery)	99	(68)
Ending balance	433	334
Residential Construction [Member] | Impact of Adopting ASC 326 [Member] | ASU 2016-13 [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	221
Ending balance		221
Consumer [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	355	176
Charge-offs	(28)	(13)
Recoveries	13	1
Provision (recovery)	(89)	(31)
Ending balance	251	355
Consumer [Member] | Impact of Adopting ASC 326 [Member] | ASU 2016-13 [Member]
Activity in ACL on loans by loan class [Roll Forward]
Beginning balance	$ 222
Ending balance		$ 222

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses, Collateral-Dependent Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	$ 11,212	$ 3,998
Secured by 1-4 Family Residential Properties-1st Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	202	424
Secured by 1-4 Family Residential Properties-Junior Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	282	351
Secured by 1-4 Family Residential Properties-Revolving [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	360	352
Commercial [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	139	0
Construction and Land Development [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Secured by Farmland [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	740	946
Agriculture Production Loans [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	1,496	1,925
Loans Secured by Owner-Occupied, Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Loans Secured by Other Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	7,993	0
Commercial [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	139	0
Commercial [Member] | Secured by 1-4 Family Residential Properties-1st Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial [Member] | Secured by 1-4 Family Residential Properties-Junior Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial [Member] | Secured by 1-4 Family Residential Properties-Revolving [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial [Member] | Commercial [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	139	0
Commercial [Member] | Construction and Land Development [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial [Member] | Secured by Farmland [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial [Member] | Agriculture Production Loans [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial [Member] | Loans Secured by Owner-Occupied, Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial [Member] | Loans Secured by Other Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial Real Estate [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	7,993	0
Commercial Real Estate [Member] | Secured by 1-4 Family Residential Properties-1st Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial Real Estate [Member] | Secured by 1-4 Family Residential Properties-Junior Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial Real Estate [Member] | Secured by 1-4 Family Residential Properties-Revolving [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial Real Estate [Member] | Commercial [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial Real Estate [Member] | Construction and Land Development [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial Real Estate [Member] | Secured by Farmland [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial Real Estate [Member] | Agriculture Production Loans [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial Real Estate [Member] | Loans Secured by Owner-Occupied, Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Commercial Real Estate [Member] | Loans Secured by Other Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	7,993	0
Agriculture [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	2,236	2,871
Agriculture [Member] | Secured by 1-4 Family Residential Properties-1st Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Agriculture [Member] | Secured by 1-4 Family Residential Properties-Junior Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Agriculture [Member] | Secured by 1-4 Family Residential Properties-Revolving [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Agriculture [Member] | Commercial [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Agriculture [Member] | Construction and Land Development [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Agriculture [Member] | Secured by Farmland [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	740	946
Agriculture [Member] | Agriculture Production Loans [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	1,496	1,925
Agriculture [Member] | Loans Secured by Owner-Occupied, Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Agriculture [Member] | Loans Secured by Other Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Mortgage [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	202	424
Residential Mortgage [Member] | Secured by 1-4 Family Residential Properties-1st Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	202	424
Residential Mortgage [Member] | Secured by 1-4 Family Residential Properties-Junior Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Mortgage [Member] | Secured by 1-4 Family Residential Properties-Revolving [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Mortgage [Member] | Commercial [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Mortgage [Member] | Construction and Land Development [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Mortgage [Member] | Secured by Farmland [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Mortgage [Member] | Agriculture Production Loans [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Mortgage [Member] | Loans Secured by Owner-Occupied, Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Mortgage [Member] | Loans Secured by Other Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Construction [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Construction [Member] | Secured by 1-4 Family Residential Properties-1st Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Construction [Member] | Secured by 1-4 Family Residential Properties-Junior Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Construction [Member] | Secured by 1-4 Family Residential Properties-Revolving [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Construction [Member] | Commercial [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Construction [Member] | Construction and Land Development [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Construction [Member] | Secured by Farmland [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Construction [Member] | Agriculture Production Loans [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Construction [Member] | Loans Secured by Owner-Occupied, Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Residential Construction [Member] | Loans Secured by Other Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Consumer [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	642	703
Consumer [Member] | Secured by 1-4 Family Residential Properties-1st Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Consumer [Member] | Secured by 1-4 Family Residential Properties-Junior Lien [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	282	351
Consumer [Member] | Secured by 1-4 Family Residential Properties-Revolving [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	360	352
Consumer [Member] | Commercial [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Consumer [Member] | Construction and Land Development [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Consumer [Member] | Secured by Farmland [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Consumer [Member] | Agriculture Production Loans [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Consumer [Member] | Loans Secured by Owner-Occupied, Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	0	0
Consumer [Member] | Loans Secured by Other Nonfarm Nonresidential Properties [Member]
Collateral Dependent Loans By Class [Abstract]
Collateral dependent loans, amortized cost	$ 0	$ 0

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses, Foreclosure Proceedings (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Residential Real Estate [Member]
Foreclosure Proceedings [Abstract]
Amount of mortgage loans in process of foreclosure	$ 0	$ 0

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses, Non-accrual and Past Due Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Non-accrual and Past Due Loans [Abstract]
Total Loans	$ 1,062,595	$ 1,068,983
Non-accrual	11,212	3,998
Nonaccrual loans with no ACL	11,212	3,998
Interest income on nonaccrual loans	450	1,626
30-59 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	4,390	1,261
60-89 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	510	178
90 Days or More Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	4,336
Total Past Due & Nonaccrual [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	16,112	9,773
Current & Accruing Loans [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	1,046,483	1,059,210
Commercial [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	117,921	106,897
Non-accrual	139	0
Nonaccrual loans with no ACL	139	0
Commercial [Member] | 30-59 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	2,287	91
Commercial [Member] | 60-89 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	178
Commercial [Member] | 90 Days or More Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	0
Commercial [Member] | Total Past Due & Nonaccrual [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	2,426	269
Commercial [Member] | Current & Accruing Loans [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	115,495	106,628
Commercial Real Estate [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	723,650	721,729
Non-accrual	7,993	0
Nonaccrual loans with no ACL	7,993	0
Commercial Real Estate [Member] | 30-59 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	0
Commercial Real Estate [Member] | 60-89 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	0
Commercial Real Estate [Member] | 90 Days or More Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	0
Commercial Real Estate [Member] | Total Past Due & Nonaccrual [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	7,993	0
Commercial Real Estate [Member] | Current & Accruing Loans [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	715,657	721,729
Agriculture [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	92,564	105,838
Non-accrual	2,236	2,871
Nonaccrual loans with no ACL	2,236	2,871
Agriculture [Member] | 30-59 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	1,354	0
Agriculture [Member] | 60-89 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	500	0
Agriculture [Member] | 90 Days or More Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	0
Agriculture [Member] | Total Past Due & Nonaccrual [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	4,090	2,871
Agriculture [Member] | Current & Accruing Loans [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	88,474	102,967
Residential Mortgage [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	105,886	107,328
Non-accrual	202	424
Nonaccrual loans with no ACL	202	424
Residential Mortgage [Member] | 30-59 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	749	976
Residential Mortgage [Member] | 60-89 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	0
Residential Mortgage [Member] | 90 Days or More Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	916
Residential Mortgage [Member] | Total Past Due & Nonaccrual [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	951	2,316
Residential Mortgage [Member] | Current & Accruing Loans [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	104,935	105,012
Residential Construction [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	6,858	12,323
Non-accrual	0	0
Nonaccrual loans with no ACL	0	0
Residential Construction [Member] | 30-59 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	0
Residential Construction [Member] | 60-89 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	0
Residential Construction [Member] | 90 Days or More Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	3,420
Residential Construction [Member] | Total Past Due & Nonaccrual [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	3,420
Residential Construction [Member] | Current & Accruing Loans [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	6,858	8,903
Consumer [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	15,716	14,868
Non-accrual	642	703
Nonaccrual loans with no ACL	642	703
Consumer [Member] | 30-59 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	194
Consumer [Member] | 60-89 Days Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	10	0
Consumer [Member] | 90 Days or More Past Due & Accruing [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	0	0
Consumer [Member] | Total Past Due & Nonaccrual [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	652	897
Consumer [Member] | Current & Accruing Loans [Member]
Non-accrual and Past Due Loans [Abstract]
Total Loans	$ 15,064	$ 13,971

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses, Amortized Cost Basis of Loans Modification to Borrowers in Financial Distress (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable Modification [Abstract]
Total class of financing receivable	0.18%	0.92%
Commitments to lend additional funds to borrowers whose loans were modified	$ 0	$ 0
Term Extension [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	1,832	9,415
Combination Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 45	$ 436
Commercial [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	1.59%	1.90%
Commercial [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 1,832	$ 1,990
Commercial [Member] | Combination Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 45	$ 41
Commercial Real Estate [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	0%	0.05%
Commercial Real Estate [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 0	$ 0
Commercial Real Estate [Member] | Combination Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 0	$ 395
Agriculture [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	0%	3.78%
Agriculture [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 0	$ 4,005
Agriculture [Member] | Combination Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 0	$ 0
Residential Mortgage [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	0%	0%
Residential Mortgage [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 0	$ 0
Residential Mortgage [Member] | Combination Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 0	$ 0
Residential Construction [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	0%	27.75%
Residential Construction [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 0	$ 3,420
Residential Construction [Member] | Combination Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 0	$ 0
Consumer [Member]
Financing Receivable Modification [Abstract]
Total class of financing receivable	0%	0%
Consumer [Member] | Term Extension [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 0	$ 0
Consumer [Member] | Combination Term Extension and Interest Rate Reduction [Member]
Financing Receivable Modification [Abstract]
Amortized cost basis of loans that were experiencing both financial difficulty and modification	$ 0	$ 0

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses, Financial Effect of Loan Modifications (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 Loan	Dec. 31, 2023 USD ($) Loan
Financial Effects of Loan Modifications to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-Average Interest Rate Reduction	3%	0.27%
Weighted-Average Term Extension	9 months	3 months
Number of loans modified within previous twelve months and for which there was a payment default | Loan	0
Commercial [Member]
Financial Effects of Loan Modifications to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-Average Interest Rate Reduction	3%	0.50%
Weighted-Average Term Extension	9 months	3 months
Commercial Real Estate [Member]
Financial Effects of Loan Modifications to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-Average Interest Rate Reduction	0%	0.25%
Weighted-Average Term Extension		26 months
Agriculture [Member]
Financial Effects of Loan Modifications to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-Average Interest Rate Reduction	0%	0%
Weighted-Average Term Extension		4 months
Number of loans modified within previous twelve months and for which there was a payment default | Loan		2
Amount of loans modified within previous twelve months and for which there was a payment default | $		$ 4,005
Number of charge-offs on loans that was subsequently recovered | Loan		2
Amount of charge-offs on loans that was subsequently recovered | $		$ (2,567)
Residential Mortgage [Member]
Financial Effects of Loan Modifications to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-Average Interest Rate Reduction	0%	0%
Residential Construction [Member]
Financial Effects of Loan Modifications to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-Average Interest Rate Reduction	0%	0%
Weighted-Average Term Extension		1 month
Amount of loans modified within previous twelve months and for which there was a payment default | $		$ 3,420
Consumer [Member]
Financial Effects of Loan Modifications to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted-Average Interest Rate Reduction	0%	0%

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses, Financing Receivables by Credit Quality Indicator (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Risk Rating by Loan Class [Abstract]
2024/2023	$ 119,025	$ 167,123
2023/2022	157,623	242,030
2022/2021	235,166	274,834
2021/2020	234,125	81,433
2020/2019	65,220	79,344
Prior	179,773	145,005
Revolving loans amortized cost basis	71,663	79,214
Total	1,062,595	1,068,983
Revolving loans converted to term loans	3,121	881
Year-to-date Charge-offs [Abstract]
2024/2023	(75)	(1,885)
2023/2022	(508)	(196)
2022/2021	(224)	(36)
2021/2020	(5)	0
2020/2019	(163)	(87)
Prior	(9)	(3)
Revolving loans amortized cost basis	0	(742)
Total	(984)	(2,949)
Year-to-date Recoveries [Abstract]
2024/2023	10	1,825
2023/2022	0	0
2022/2021	4	0
2021/2020	0	0
2020/2019	0	87
Prior	59	149
Revolving loans amortized cost basis	0	742
Total	73	2,803
Year-to-date Net Charge-offs [Abstract]
2024/2023	(65)	(60)
2023/2022	(508)	(196)
2022/2021	(220)	(36)
2021/2020	(5)	0
2020/2019	(163)	0
Prior	50	146
Revolving loans amortized cost basis	0	0
Net Charge-offs	(911)	(146)
Pass [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	115,810	166,728
2023/2022	157,242	235,519
2022/2021	230,408	258,011
2021/2020	217,073	78,972
2020/2019	62,385	67,637
Prior	159,316	141,266
Revolving loans amortized cost basis	67,292	75,471
Total	1,009,526	1,023,604
Special Mention [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	2,909	0
2023/2022	0	3,059
2022/2021	4,758	12,974
2021/2020	14,194	235
2020/2019	726	3,177
Prior	5,737	2,337
Revolving loans amortized cost basis	1,890	2,936
Total	30,214	24,718
Substandard [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	306	395
2023/2022	381	3,452
2022/2021	0	3,849
2021/2020	2,858	2,226
2020/2019	2,109	8,530
Prior	14,720	1,402
Revolving loans amortized cost basis	2,481	807
Total	22,855	20,661
Doubtful/Loss [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Commercial [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	36,292	19,776
2023/2022	14,319	18,115
2022/2021	12,759	19,515
2021/2020	13,487	6,158
2020/2019	3,913	7,728
Prior	8,030	6,298
Revolving loans amortized cost basis	29,121	29,307
Total	117,921	106,897
Year-to-date Charge-offs [Abstract]
2024/2023	(47)	(47)
2023/2022	(508)	(196)
2022/2021	(224)	(36)
2021/2020	(5)	0
2020/2019	(163)	(87)
Prior	(9)	0
Revolving loans amortized cost basis	0	0
Total	(956)	(366)
Year-to-date Recoveries [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	4	0
2021/2020	0	0
2020/2019	0	87
Prior	56	148
Revolving loans amortized cost basis	0	0
Total	60	235
Year-to-date Net Charge-offs [Abstract]
2024/2023	(47)	(47)
2023/2022	(508)	(196)
2022/2021	(220)	(36)
2021/2020	(5)	0
2020/2019	(163)	0
Prior	47	148
Revolving loans amortized cost basis	0	0
Net Charge-offs	(896)	(131)
Commercial [Member] | Pass [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	36,065	19,776
2023/2022	14,319	16,961
2022/2021	11,885	15,833
2021/2020	11,894	5,381
2020/2019	3,442	7,420
Prior	8,030	6,298
Revolving loans amortized cost basis	27,272	26,183
Total	112,907	97,852
Commercial [Member] | Special Mention [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	1,122
2022/2021	874	2,530
2021/2020	1,561	235
2020/2019	0	308
Prior	0	0
Revolving loans amortized cost basis	1,590	2,936
Total	4,025	7,131
Commercial [Member] | Substandard [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	227	0
2023/2022	0	32
2022/2021	0	1,152
2021/2020	32	542
2020/2019	471	0
Prior	0	0
Revolving loans amortized cost basis	259	188
Total	989	1,914
Commercial [Member] | Doubtful/Loss [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Commercial Real Estate [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	71,187	116,202
2023/2022	114,318	173,918
2022/2021	178,142	201,067
2021/2020	169,692	51,834
2020/2019	41,551	61,630
Prior	142,231	110,199
Revolving loans amortized cost basis	6,529	6,879
Total	723,650	721,729
Year-to-date Charge-offs [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Year-to-date Recoveries [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Year-to-date Net Charge-offs [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Net Charge-offs	0	0
Commercial Real Estate [Member] | Pass [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	68,278	115,807
2023/2022	113,937	173,918
2022/2021	178,142	191,907
2021/2020	160,484	50,150
2020/2019	39,913	52,157
Prior	121,862	107,909
Revolving loans amortized cost basis	6,529	6,879
Total	689,145	698,727
Commercial Real Estate [Member] | Special Mention [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	2,909	0
2023/2022	0	0
2022/2021	0	7,448
2021/2020	7,156	0
2020/2019	0	2,869
Prior	5,737	1,273
Revolving loans amortized cost basis	0	0
Total	15,802	11,590
Commercial Real Estate [Member] | Substandard [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	395
2023/2022	381	0
2022/2021	0	1,712
2021/2020	2,052	1,684
2020/2019	1,638	6,604
Prior	14,632	1,017
Revolving loans amortized cost basis	0	0
Total	18,703	11,412
Commercial Real Estate [Member] | Doubtful/Loss [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Agriculture [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	4,857	6,842
2023/2022	6,562	18,922
2022/2021	18,730	24,453
2021/2020	23,462	8,792
2020/2019	6,401	4,435
Prior	10,252	12,501
Revolving loans amortized cost basis	22,300	29,893
Total	92,564	105,838
Year-to-date Charge-offs [Abstract]
2024/2023	0	(1,825)
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	(742)
Total	0	(2,567)
Year-to-date Recoveries [Abstract]
2024/2023	0	1,825
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	742
Total	0	2,567
Year-to-date Net Charge-offs [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Net Charge-offs	0	0
Agriculture [Member] | Pass [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	4,857	6,842
2023/2022	6,562	16,985
2022/2021	14,846	20,511
2021/2020	17,245	8,792
2020/2019	5,675	2,509
Prior	10,252	11,437
Revolving loans amortized cost basis	20,420	29,893
Total	79,857	96,969
Agriculture [Member] | Special Mention [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	1,937
2022/2021	3,884	2,996
2021/2020	5,477	0
2020/2019	726	0
Prior	0	1,064
Revolving loans amortized cost basis	300	0
Total	10,387	5,997
Agriculture [Member] | Substandard [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	946
2021/2020	740	0
2020/2019	0	1,926
Prior	0	0
Revolving loans amortized cost basis	1,580	0
Total	2,320	2,872
Agriculture [Member] | Doubtful/Loss [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Residential Mortgage [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	4,952	20,239
2023/2022	20,162	24,906
2022/2021	22,408	26,468
2021/2020	26,157	14,500
2020/2019	13,233	5,481
Prior	18,974	15,734
Revolving loans amortized cost basis	0	0
Total	105,886	107,328
Year-to-date Charge-offs [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	(3)
Revolving loans amortized cost basis	0	0
Total	0	(3)
Year-to-date Recoveries [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Year-to-date Net Charge-offs [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	(3)
Revolving loans amortized cost basis	0	0
Net Charge-offs	0	(3)
Residential Mortgage [Member] | Pass [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	4,873	20,239
2023/2022	20,162	24,906
2022/2021	22,408	26,429
2021/2020	26,123	14,500
2020/2019	13,233	5,481
Prior	18,886	15,349
Revolving loans amortized cost basis	0	0
Total	105,685	106,904
Residential Mortgage [Member] | Special Mention [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Residential Mortgage [Member] | Substandard [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	79	0
2023/2022	0	0
2022/2021	0	39
2021/2020	34	0
2020/2019	0	0
Prior	88	385
Revolving loans amortized cost basis	0	0
Total	201	424
Residential Mortgage [Member] | Doubtful/Loss [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Residential Construction [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	1,525	3,714
2023/2022	2,117	5,411
2022/2021	1,998	3,198
2021/2020	1,218	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	6,858	12,323
Year-to-date Charge-offs [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Year-to-date Recoveries [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Year-to-date Net Charge-offs [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Net Charge-offs	0	0
Residential Construction [Member] | Pass [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	1,525	3,714
2023/2022	2,117	1,991
2022/2021	1,998	3,198
2021/2020	1,218	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	6,858	8,903
Residential Construction [Member] | Special Mention [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Residential Construction [Member] | Substandard [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	3,420
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	3,420
Residential Construction [Member] | Doubtful/Loss [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Consumer [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	212	350
2023/2022	145	758
2022/2021	1,129	133
2021/2020	109	149
2020/2019	122	70
Prior	286	273
Revolving loans amortized cost basis	13,713	13,135
Total	15,716	14,868
Year-to-date Charge-offs [Abstract]
2024/2023	(28)	(13)
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	(28)	(13)
Year-to-date Recoveries [Abstract]
2024/2023	10	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	3	1
Revolving loans amortized cost basis	0	0
Total	13	1
Year-to-date Net Charge-offs [Abstract]
2024/2023	(18)	(13)
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	3	1
Revolving loans amortized cost basis	0	0
Net Charge-offs	(15)	(12)
Consumer [Member] | Pass [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	212	350
2023/2022	145	758
2022/2021	1,129	133
2021/2020	109	149
2020/2019	122	70
Prior	286	273
Revolving loans amortized cost basis	13,071	12,516
Total	15,074	14,249
Consumer [Member] | Special Mention [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	0	0
Consumer [Member] | Substandard [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	642	619
Total	642	619
Consumer [Member] | Doubtful/Loss [Member]
Risk Rating by Loan Class [Abstract]
2024/2023	0	0
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
Prior	0	0
Revolving loans amortized cost basis	0	0
Total	$ 0	$ 0

Mortgage Operations (Details)

Mortgage Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Mortgage Operations [Abstract]
Real estate mortgage loans serviced	$ 174,464	$ 184,288
Mortgage servicing rights [Roll Forward]
Beginning balance	1,482	1,650
Additions	38	67
Reductions	(208)	(235)
Ending balance	1,312	1,482
Valuation allowance [Roll Forward]
Beginning balance	0	0
Additions	0	0
Reductions	0	0
Ending balance	0	0
Mortgage servicing rights, net of valuation allowance [Roll Forward]
Beginning balance	1,482	1,650
Additions	38	67
Reductions	(208)	(235)
Ending balance	1,312	1,482
Fair value of mortgage servicing rights assets	1,910	2,094
Contractually specified servicing fees	$ 450	$ 473
Contractually Specified Servicing Fee Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Other income	Other income

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Premises and equipment [Abstract]
Premises and equipment, gross	$ 29,478	$ 29,135
Less accumulated depreciation and amortization	20,230	19,173
Premises and equipment, net	9,248	9,962
Depreciation and amortization expense	1,057	1,002
Land [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	2,823	2,823
Buildings [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	8,703	8,659
Furniture and Equipment [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	15,279	14,980
Leasehold Improvements [Member]
Premises and equipment [Abstract]
Premises and equipment, gross	$ 2,673	$ 2,673

Interest Receivable and Other_3

Interest Receivable and Other Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Interest Receivable and Other Assets [Abstract]
Interest receivable	$ 7,660	$ 6,810
Mortgage servicing rights asset (see Note 4)	1,312	1,482
Officer's life insurance	16,058	15,638
Deferred tax assets, net (see Note 17)	19,042	19,594
Operating lease right-of-use asset (see Note 8)	3,155	4,073
Prepaid and other	5,181	5,871
Interest receivable and other assets	$ 52,408	$ 53,468

Short-Term and Long-Term Borr_2

Short-Term and Long-Term Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Federal Funds Purchased [Member]
Short-Term and Long-Term Borrowings [Abstract]
Secured borrowings	$ 0	$ 0
Federal Funds purchased	0	0
Federal Home Loan Bank Advances [Member]
Short-Term and Long-Term Borrowings [Abstract]
Current collateral borrowing capacity with FHLB	403,087
Unsecured lines of credit with correspondent banks	130,000
Long-term borrowings	$ 0	$ 0

Leases, Summary (Details)

Leases, Summary (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) Location	Dec. 31, 2023 USD ($)
Lessee, Operating Lease, Description [Abstract]
Number of branch and administrative locations leased by the Bank | Location	10
Lease right-of-use assets	$ 3,155	$ 4,073
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Interest receivable and other assets	Interest receivable and other assets
Lease liabilities	$ 3,645	$ 4,585
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Interest payable and other liabilities	Interest payable and other liabilities
Lease expense	$ 1,228	$ 1,217
Minimum [Member]
Lessee, Operating Lease, Description [Abstract]
Renewal lease term	3 years
Maximum [Member]
Lessee, Operating Lease, Description [Abstract]
Renewal lease term	10 years

Leases, Payments of Remaining L

Leases, Payments of Remaining Lease Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Payments of Remaining Lease Liabilities [Abstract]
2025	$ 1,052
2026	672
2027	611
2028	625
2029	566
2030 and thereafter	329
Total lease payments	3,855
Less: interest	(210)
Present value of lease liabilities	$ 3,645	$ 4,585

Leases, Supplemental Cash Flow

Leases, Supplemental Cash Flow Information Related to Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases	$ 1,098	$ 1,207
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 0	$ 245

Leases, Weighted Average Operat

Leases, Weighted Average Operating Lease Term and Discount Rate (Details)	Dec. 31, 2024	Dec. 31, 2023
Weighted Average Operating Lease Term and Discount Rate [Abstract]
Weighted-average remaining lease term - operating leases, in years	4 years 10 months 13 days	5 years 5 months 4 days
Weighted-average discount rate - operating leases	2.36%	2.42%

Financial Instruments with Of_3

Financial Instruments with Off-Balance Sheet Risk (Details) $ in Thousands	12 Months Ended	24 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($) Loan
Financial Instruments with Off-Balance Sheet Risks [Abstract]
Off-balance sheet credit risks	$ 141,014	$ 188,652
Number of loans repurchased | Loan		1
Amount of loans repurchased		$ 420
Undisbursed Loan Commitments [Member]
Financial Instruments with Off-Balance Sheet Risks [Abstract]
Off-balance sheet credit risks	140,092	187,401
Standby Letters of Credit [Member]
Financial Instruments with Off-Balance Sheet Risks [Abstract]
Off-balance sheet credit risks	922	1,251
Financial Standby Letter of Credit [Member]
Financial Instruments with Off-Balance Sheet Risks [Abstract]
Off-balance sheet credit risks	0
Draw on outstanding letters of credit	0
Performance Standby Letters of Credit [Member]
Financial Instruments with Off-Balance Sheet Risks [Abstract]
Off-balance sheet credit risks	922
Draw on outstanding letters of credit	0
Reserve for Off-balance Sheet Activity [Member]
Financial Instruments with Off-Balance Sheet Risks [Abstract]
Reserve for unfunded commitments	700	1,150
Derivative [Member]
Financial Instruments with Off-Balance Sheet Risks [Abstract]
Off-balance sheet credit risks	0
Interest Rate Lock Commitments [Member]
Financial Instruments with Off-Balance Sheet Risks [Abstract]
Off-balance sheet credit risks	0	0
Commitments to Sell Loans [Member]
Financial Instruments with Off-Balance Sheet Risks [Abstract]
Off-balance sheet credit risks	$ 0	$ 0

Commitments and Contingencies_2

Commitments and Contingencies (Details) $ in Thousands	Dec. 31, 2024 USD ($)
Maturities of Time Deposits [Abstract]
2025	$ 141,580
2026	4,332
2027	2,242
2028	1,422
2029	394
Thereafter	0
Time deposits, Total	$ 149,970

Capital Adequacy and Restrict_3

Capital Adequacy and Restriction on Dividends (Details) - The Bank [Member] $ in Thousands		Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Capital Adequacy [Abstract]
Tier 1 Leverage Capital (to Average Assets), Capital		$ 205,326	$ 187,248
Tier 1 Leverage Capital (to Average Assets), Ratio		0.105	0.097
Tier 1 Leverage Capital (to Average Assets), Adequately Capitalized Ratio	[1]	0.04
Tier 1 Leverage Capital (to Average Assets), Well Capitalized Ratio		0.05
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Capital		$ 205,326	$ 187,248
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Ratio		0.164	0.148
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Adequately Capitalized Ratio	[1]	4.50%
Common Equity Tier 1 Capital (to Risk-Weighted Assets), Well Capitalized Ratio		6.50%
Tier 1 Capital (to Risk-Weighted Assets), Capital		$ 205,326	$ 187,248
Tier 1 Capital ( to Risk Weighted Assets), Ratio		0.164	0.148
Tier 1 Capital (to Risk-Weighted Assets), Adequately Capitalized Ratio	[1]	0.06
Tier 1 Capital (to Risk Weighted Assets), Well Capitalized Ratio		0.08
Total Risk-Based Capital (to Risk-Weighted Assets), Capital		$ 220,977	$ 203,096
Total Risk-Based Capital (to Risk-Weighted Assets), Ratio		0.177	0.16
Total Risk-Based Capital (to Risk-Weighted Assets), Adequately Capitalized Ratio	[1]	0.08
Total Risk-Based Capital (to Risk-Weighted Assets), Well Capitalized Ratio		0.10
[1]Ratio for regulatory requirement excludes the capital conservation buffer of 2.50%.

Fair Value Measurement, Assets

Fair Value Measurement, Assets and Liabilities Measured at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	$ 633,853	$ 572,357
Recurring [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	633,853	572,357
Liabilities Recorded at Fair Value [Abstract]
Liabilities	0	0
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	105,545	87,182
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	528,308	485,175
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	0	0
Non-recurring [Member]
Assets Recorded at Fair Value on a Non-recurring Basis [Abstract]
Individually evaluated loans	139
Assets at fair value	139	0
Liabilities Recorded at Fair Value [Abstract]
Liabilities	0	0
Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets Recorded at Fair Value on a Non-recurring Basis [Abstract]
Individually evaluated loans	0
Assets at fair value	0
Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets Recorded at Fair Value on a Non-recurring Basis [Abstract]
Individually evaluated loans	0
Assets at fair value	0
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets Recorded at Fair Value on a Non-recurring Basis [Abstract]
Individually evaluated loans	139
Assets at fair value	139
U.S. Treasury Securities [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	105,545	87,182
U.S. Treasury Securities [Member] | Recurring [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	105,545	87,182
U.S. Treasury Securities [Member] | Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	105,545	87,182
U.S. Treasury Securities [Member] | Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	0	0
U.S. Treasury Securities [Member] | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	0	0
Securities of U.S. Government Agencies and Corporations [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	95,684	115,079
Securities of U.S. Government Agencies and Corporations [Member] | Recurring [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	95,684	115,079
Securities of U.S. Government Agencies and Corporations [Member] | Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	0	0
Securities of U.S. Government Agencies and Corporations [Member] | Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	95,684	115,079
Securities of U.S. Government Agencies and Corporations [Member] | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	0	0
Obligations of States and Political Subdivisions [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	67,591	51,677
Obligations of States and Political Subdivisions [Member] | Recurring [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	67,591	51,677
Obligations of States and Political Subdivisions [Member] | Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	0	0
Obligations of States and Political Subdivisions [Member] | Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	67,591	51,677
Obligations of States and Political Subdivisions [Member] | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	0	0
Collateralized Mortgage Obligations [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	94,945	90,947
Collateralized Mortgage Obligations [Member] | Recurring [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	94,945	90,947
Collateralized Mortgage Obligations [Member] | Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	0	0
Collateralized Mortgage Obligations [Member] | Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	94,945	90,947
Collateralized Mortgage Obligations [Member] | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	0	0
Mortgage-backed Securities [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	270,088	227,472
Mortgage-backed Securities [Member] | Recurring [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	270,088	227,472
Mortgage-backed Securities [Member] | Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	0	0
Mortgage-backed Securities [Member] | Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	270,088	227,472
Mortgage-backed Securities [Member] | Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets Recorded at Fair Value on a Recurring Basis [Abstract]
Total investments at fair value	$ 0	$ 0

Fair Value Measurement, Key Met

Fair Value Measurement, Key Methods and Assumptions Used (Details) - Collateral, Market, Income, Enterprise, Liquidation and Discounted Cash Flows [Member] - Selling Costs [Member]	Dec. 31, 2024
Minimum [Member]
Key methods and assumptions used in measuring fair value [Abstract]
Impaired loans, measurement input	0.06
Maximum [Member]
Key methods and assumptions used in measuring fair value [Abstract]
Impaired loans, measurement input	0.10

Fair Value Measurement, Fair Va

Fair Value Measurement, Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Loans receivable [Abstract]
Mortgage servicing rights	$ 1,910	$ 2,094
Carrying Amount [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	119,448	149,211
Carrying Amount [Member] | Level 2 [Member]
Financial assets [Abstract]
Certificates of deposit	16,074	19,710
Loans receivable [Abstract]
Interest receivable	7,660	6,810
Financial liabilities [Abstract]
Interest payable	1,215	1,567
Carrying Amount [Member] | Level 3 [Member]
Financial assets [Abstract]
Stock in Federal Home Loan Bank and other equity securities, at cost	10,518	10,518
Loans receivable [Abstract]
Net loans	1,046,852	1,052,465
Mortgage servicing rights	1,312	1,482
Financial liabilities [Abstract]
Time deposits	149,970	135,696
Fair Value [Member] | Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	119,448	149,211
Fair Value [Member] | Level 2 [Member]
Financial assets [Abstract]
Certificates of deposit	16,129	19,570
Loans receivable [Abstract]
Interest receivable	7,660	6,810
Financial liabilities [Abstract]
Interest payable	1,215	1,567
Fair Value [Member] | Level 3 [Member]
Financial assets [Abstract]
Stock in Federal Home Loan Bank and other equity securities, at cost	10,518	10,518
Loans receivable [Abstract]
Net loans	974,746	958,077
Mortgage servicing rights	1,910	2,094
Financial liabilities [Abstract]
Time deposits	$ 149,752	$ 135,540

Outstanding Shares and Earnin_3

Outstanding Shares and Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands		12 Months Ended
	Jan. 23, 2025	Dec. 31, 2024	Dec. 31, 2023
Basic earnings per share [Abstract]
Net income		$ 20,034	$ 21,554
Weighted average common shares outstanding (in shares)		15,896,475	15,932,056
Basic earnings per share (in dollars per share)		$ 1.26	$ 1.35
Diluted earnings per share [Abstract]
Net income		$ 20,034	$ 21,554
Weighted average common shares outstanding (in shares)		15,896,475	15,932,056
Effect of dilutive shares (in shares)		212,565	150,815
Adjusted weighted average common shares outstanding (in shares)		16,109,040	16,082,871
Diluted earnings per share (in dollars per share)		$ 1.24	$ 1.34
Q1-2025 Dividend [Member] | Subsequent Event [Member]
Dividends [Abstract]
Stock dividend percentage	5%
Dividends, date declared	Jan. 23, 2025
Dividends, date to be paid	Mar. 25, 2025
Dividends payable, date of record	Feb. 28, 2025
Stock Options [Member]
Antidilutive Securities [Abstract]
Antidilutive securities excluded from EPS computation (in shares)		247,729	494,769
Restricted Stock [Member]
Antidilutive Securities [Abstract]
Antidilutive securities excluded from EPS computation (in shares)		2,037	37,372

Stock Compensation Plans, Share

Stock Compensation Plans, Share-based Compensation Plans (Details) - shares		12 Months Ended
	Jan. 23, 2025	Dec. 31, 2024
Restricted Stock [Member]
Share-based Compensation Plans [Abstract]
Award vesting period		4 years
Plan [Member]
Share-based Compensation Plans [Abstract]
Number of shares authorized (in shares)		1,593,465
Plan [Member] | Non-Employee Director [Member]
Share-based Compensation Plans [Abstract]
Maximum annual number of shares of common stock which may be issued upon exercise or settlement of awards (in shares)		100,000
Maximum annual number of shares per individual (in shares)		3,000
Plan [Member] | Employee [Member]
Share-based Compensation Plans [Abstract]
Maximum annual number of shares per individual (in shares)		50,000
Plan [Member] | Stock Options [Member]
Share-based Compensation Plans [Abstract]
Percentage of grants that vest annually		25%
Award expiration period		10 years
Plan [Member] | Restricted Stock [Member]
Share-based Compensation Plans [Abstract]
Percentage of grants that vest after four years		100%
Award vesting period		4 years
Q1-2025 Dividend [Member] | Subsequent Event [Member]
Dividends [Abstract]
Stock dividend percentage	5%
Dividends, date declared	Jan. 23, 2025
Dividends, date to be paid	Mar. 25, 2025
Dividends payable, date of record	Feb. 28, 2025

Stock Compensation Plans, Stock

Stock Compensation Plans, Stock Option Activity (Details) - Stock Options [Member] - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Stock options, number of shares [Roll Forward]
Balance, beginning of period (in shares)	674,918
Granted (in shares)	0	0
Exercised (in shares)	(52,905)
Cancelled/Forfeited (in shares)	(15,825)
Expired (in shares)	(92,981)
Expired (in dollar per shares)	$ 8.66
Balance, end of period (in shares)	513,207	674,918
Stock options, weighted average exercise price [Roll Forward]
Balance, beginning of period (in dollars per share)	$ 8
Granted (in dollars per share)	0
Exercised (in dollars per share)	6.59
Cancelled/Forfeited (in dollars per share)	9.26
Balance, end of period (in dollars per share)	$ 7.99	$ 8

Stock Compensation Plans, Infor

Stock Compensation Plans, Information on Stock Options (Details) - Stock Options [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Stock options, additional disclosures [Abstract]
Options exercised, number of shares (in shares)	52,905
Options exercised, weighted average exercise price (in dollars per share)	$ 6.59
Granted (in shares)	0	0
Options exercised, aggregate intrinsic value	$ 90	$ 305
Stock options outstanding and expected to vest, number of shares (in shares)	513,207
Stock options outstanding and expected to vest, weighted average exercise price (in dollars per share)	$ 7.99
Stock options outstanding and expected to vest, aggregate intrinsic value	$ 784
Stock options outstanding and expected to vest, weighted average remaining contractual term	3 years 9 months 7 days
Stock options vested and currently exercisable, number of shares (in shares)	488,339
Stock options vested and currently exercisable, weighted average exercise price (in dollars per share)	$ 7.94
Stock options vested and currently exercisable, aggregate intrinsic value	$ 768
Stock options vested and currently exercisable, weighted average remaining contractual term	3 years 7 months 6 days
Fair value of awards vested	$ 88	123
Unrecognized compensation related to non-vested stock options	$ 31
Unrecognized compensation cost, period for recognition	1 year 2 months 12 days
Recognized compensation cost	$ 35	$ 93

Stock Compensation Plans, Restr

Stock Compensation Plans, Restricted Stock Awards (Details) - Restricted Stock [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Stock compensation plans, additional disclosures [Abstract]
Award vesting period	4 years
Non-vested restricted stock awards outstanding, number of shares [Roll Forward]
Outstanding at beginning of period (in shares)	287,981
Granted (in shares)	90,378
Vested (in shares)	(84,068)
Cancelled/Forfeited (in shares)	(21,530)
Outstanding at end of period (in shares)	272,761	287,981
Non-vested restricted stock awards, weighted average grant-date fair value [Roll Forward]
Outstanding at beginning of period (in dollars per share)	$ 8.3
Granted (in dollars per share)	7.96	$ 7.72
Vested (in dollars per share)	8.5
Cancelled/Forfeited (in dollars per share)	8.33
Outstanding at end of period (in dollars per share)	$ 8.12	$ 8.3
Non-vested restricted stock awards, additional disclosures [Abstract]
Aggregate intrinsic value of restricted stock awards vested	$ 687	$ 446
Weighted average fair value of awards granted (in dollars per share)	$ 7.96	$ 7.72
Unrecognized compensation related to restricted stock	$ 941
Unrecognized compensation cost, period for recognition	2 years 4 months 24 days
Recognized compensation cost	$ 761	$ 701

Stock Compensation Plans, Emplo

Stock Compensation Plans, Employee Stock Purchase Plan (Details) - USD ($) $ / shares in Units, $ in Thousands		12 Months Ended
	Jan. 23, 2025	Dec. 31, 2024	Dec. 31, 2023
Q1-2025 Dividend [Member] | Subsequent Event [Member]
Employee Stock Purchase Plan [Abstract]
Stock dividend percentage	5%
Dividends, date declared	Jan. 23, 2025
Dividends, date to be paid	Mar. 25, 2025
Dividends, date of record	Feb. 28, 2025
2016 Amended Employee Stock Purchase Plan [Member]
Employee Stock Purchase Plan [Abstract]
Shares authorized for issuance under plan (in shares)		395,699
Purchase price of stock in percentage for participation		85%
Percentage of eligible employee participating in plan		42%
Cash contributions to ESPP		$ 102
Shares purchased for award (in shares)		15,878
Weighted average purchase price of shares purchased (in dollars per share)		$ 6.4
Compensation cost related to ESPP		$ 50	$ 26
2016 Amended Employee Stock Purchase Plan [Member] | Minimum [Member]
Employee Stock Purchase Plan [Abstract]
Eligibility employment period required for plan participation		90 days
2016 Amended Employee Stock Purchase Plan [Member] | Maximum [Member]
Employee Stock Purchase Plan [Abstract]
Plan participation period		27 months
Percentage of employee compensation that can be withheld to purchase common stock		10%

Profit Sharing Plan (Details)

Profit Sharing Plan (Details) - Profit Sharing Plan [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Profit Sharing Plan for Benefit of Employees [Abstract]
Requisite service hours	1000 hours
Compensation expense	$ 1,870	$ 3,240
Required employment period for making contribution	90 days

Supplemental Compensation Pla_3

Supplemental Compensation Plans, Executive Retirement Plan (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) Participant
Pension Plan [Member] | Salary Continuation Plan [Member]
Supplemental Compensation Plans [Abstract]
Defined Benefit Plan, Funding Status [Extensible List]	Defined Benefit Plan, Funding Status [Extensible List]
Duration for benefit payment after retirement age	10 years
Retirement age	65 years
Reduced benefit age	55 years
Years of services for reduced benefit	10 years
Number of active participants in plan	1
Number of retired participants in the plan	4
Pension Plan [Member] | Salary Continuation Plan [Member] | Minimum [Member]
Supplemental Compensation Plans [Abstract]
Defined annual benefit plan amount | $	$ 50
Pension Plan [Member] | Salary Continuation Plan [Member] | Maximum [Member]
Supplemental Compensation Plans [Abstract]
Defined annual benefit plan amount | $	$ 100
Supplemental Executive Retirement Plan (SERP) [Member] | Executive [Member]
Supplemental Compensation Plans [Abstract]
Number of active participants in plan	2
Number of retired participants in the plan	1
Average years of salary used for benefit calculation	3 years
Average years of bonus used for benefit calculation	7 years
Target benefit of average compensation	50%
Reduction made for social security benefit	50%
Expected age of social security benefit	65 years
Period for average yields on treasury securities used in calculation of contributions to profit sharing plan	3 years
Treasury securities duration	10 years
Period of monthly retirement benefit payment	120 months
Additional period for retirement payment for full year of service	6 months
Period of full service used to calculate additional retirement payment	10 years
Reduction in benefit for retirement prior to retirement age	5%
Benefit reduction for retirement at age 55	50%
Early retirement age	55 years
Benefit payable for voluntary terminations prior to age 55	0%
Supplemental Executive Retirement Plan (SERP) [Member] | Executive [Member] | Minimum [Member]
Supplemental Compensation Plans [Abstract]
Percentage of average compensation for executive	2%
Target service years for executive	20 years
Supplemental Executive Retirement Plan (SERP) [Member] | Executive [Member] | Maximum [Member]
Supplemental Compensation Plans [Abstract]
Percentage of average compensation for executive	2.50%
Target service years for executive	25 years
Period for monthly retirement payment	180 months

Supplemental Compensation Pla_4

Supplemental Compensation Plans, Change in Benefit Obligation, Plan Assets, Funded Status and Amounts Recognized in Balance Sheets (Details) - Pension Plan [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Amounts recognized in the consolidated balance sheets consist of [Abstract]
Unrecognized net actuarial loss and prior service cost expected to be recognized in next fiscal year	$ 2
Salary Continuation Plan and SERP [Member]
Change in benefit obligation [Roll Forward]
Benefit obligation at beginning of year	4,979	$ 5,339
Service cost	138	158
Interest cost	258	263
Plan gain	(391)	(336)
Benefits paid	(484)	(445)
Benefit obligation at end of year	4,500	4,979
Change in plan assets [Abstract]
Employer contribution	484	445
Benefits paid	(484)	(445)
Fair value of plan assets at end of year	0	0
Reconciliation of funded status [Abstract]
Funded status	(4,500)	(4,979)
Unrecognized net plan loss	(322)	69
Unrecognized prior service cost	29	31
Net amount recognized	(4,793)	(4,879)
Amounts recognized in the consolidated balance sheets consist of [Abstract]
Accrued benefit liability	(4,500)	(4,979)
Accumulated other comprehensive loss	(293)	100
Net amount recognized	(4,793)	(4,879)
Directors' Retirement Plan [Member]
Change in benefit obligation [Roll Forward]
Benefit obligation at beginning of year	424	560
Service cost	0	0
Interest cost	20	24
Plan gain	(2)	(100)
Benefits paid	(45)	(60)
Benefit obligation at end of year	397	424
Change in plan assets [Abstract]
Employer contribution	45	60
Benefits paid	(45)	(60)
Fair value of plan assets at end of year	0	0
Reconciliation of funded status [Abstract]
Funded status	(397)	(424)
Unrecognized net plan loss	(142)	(172)
Net amount recognized	(539)	(596)
Amounts recognized in the consolidated balance sheets consist of [Abstract]
Accrued benefit liability	(397)	(424)
Accumulated other comprehensive loss	(142)	(172)
Net amount recognized	$ (539)	$ (596)

Supplemental Compensation Pla_5

Supplemental Compensation Plans, Components of Net Periodic Benefit Cost and Additional Information (Details) - Pension Plan [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Salary Continuation Plan and SERP [Member]
Components of net periodic benefit cost [Abstract]
Service cost	$ 138	$ 158
Interest cost	258	263
Amortization of prior service cost	2	2
Recognized actuarial loss	0	0
Net periodic benefit cost	398	423
Additional Information [Abstract]
Minimum benefit obligation at year end	4,500	4,979	$ 5,339
Decrease in minimum liability included in other comprehensive loss	(393)	(338)
Directors' Retirement Plan [Member]
Components of net periodic benefit cost [Abstract]
Service cost	0	0
Interest cost	20	24
Recognized actuarial loss	(33)	(4)
Net periodic benefit cost	(13)	20
Additional Information [Abstract]
Minimum benefit obligation at year end	397	424	$ 560
Decrease in minimum liability included in other comprehensive loss	$ 30	$ (96)

Supplemental Compensation Pla_6

Supplemental Compensation Plans, Assumptions Used to Determine Benefit Obligations (Details) - Pension Plan [Member]	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Salary Continuation Plan and SERP [Member]
Assumptions used to determine benefit obligations [Abstract]
Discount rate used to determine net periodic benefit cost for years ended	5.30%	5%
Discount rate used to determine benefit obligations	5.50%	5.30%
Future salary increases	5.30%	5.60%
Directors' Retirement Plan [Member]
Assumptions used to determine benefit obligations [Abstract]
Discount rate used to determine net periodic benefit cost for years ended	5%	4.60%
Discount rate used to determine benefit obligations	5.10%	5%

Supplemental Compensation Pla_7

Supplemental Compensation Plans, Contributions and Estimated Benefit Payments (Details) - Pension Plan [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Salary Continuation Plan and SERP [Member]
Expected future benefit payments [Abstract]
Benefit paid during fiscal year	$ 484	$ 445
2025	437
2026	352
2027	302
2028	302
2029	302
2030-2034	1,478
Directors' Retirement Plan [Member]
Expected future benefit payments [Abstract]
Benefit paid during fiscal year	45	$ 60
2025	50
2026	45
2027	31
2028	20
2029	39
2030-2034	$ 360

Supplemental Compensation Pla_8

Supplemental Compensation Plans, Directors' Retirement Plan (Details) - Pension Plan [Member] - Directors' Retirement Plan [Member] - Directors [Member] $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($)
Supplemental Compensation Plans [Abstract]
Defined Benefit Plan, Funding Status [Extensible List]	Defined Benefit Plan, Funding Status [Extensible List]
Duration for benefit payment after retirement age	10 years
Retirement age	65 years
Reduced benefit age	55 years
Years of services for reduced benefit	10 years
Minimum [Member]
Supplemental Compensation Plans [Abstract]
Directors' retirement benefit per year of service	$ 1
Maximum [Member]
Supplemental Compensation Plans [Abstract]
Directors' retirement benefit per year of service	$ 15

Supplemental Compensation Pla_9

Supplemental Compensation Plans, Executive Elective Deferred Compensation Plan and Director Elective Deferred Fee Plan (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Executive Deferral Plan [Member] | Executive [Member]
Deferred Compensation Plan [Abstract]
Single-premium payment on insurance purchased	$ 1,125
Cash surrender value of life insurance	2,966	$ 2,892
Net decrease in accrued liabilities	60	58
Payments	65	65
Interest expenses	5	7
Director Deferral Plan [Member] | Directors [Member]
Deferred Compensation Plan [Abstract]
Cash surrender value of life insurance	167	162
Net decrease in accrued liabilities	4	4
Payments	4	5
Interest expenses	$ 0	$ 1

Income Taxes, Components of Pro

Income Taxes, Components of Provision for Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Current [Abstract]
Federal	$ 4,525	$ 5,349
State	2,678	3,147
Current income tax expense	7,203	8,496
Deferred [Abstract]
Federal	324	(400)
State	279	(4)
Deferred income tax expense	603	(404)
Total income tax expense	$ 7,806	$ 8,092

Income Taxes, Deferred Tax Asse

Income Taxes, Deferred Tax Assets and Deferred Tax Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets [Abstract]
Allowance for credit losses	$ 4,903	$ 5,246
Deferred compensation	45	64
Retirement compensation	1,575	1,617
Stock option compensation	467	453
Current state franchise taxes	578	657
Non-accrual interest	426	333
Lease liability	1,065	1,349
Investment securities unrealized loss	14,337	14,178
Other	394	281
Deferred tax assets	23,790	24,178
Deferred tax liabilities [Abstract]
Fixed assets depreciation	761	970
FHLB dividends	184	184
Tax credit - loss on pass-through	824	489
Deferred loan costs	848	940
Mortgage servicing rights	388	383
Right of Use Asset	933	1,204
Postretirement benefits	129	21
Other	681	393
Total deferred tax liabilities	4,748	4,584
Net deferred tax assets (see Note 6)	$ 19,042	$ 19,594

Income Taxes, Operating Loss an

Income Taxes, Operating Loss and Tax Credit Carry Forwards (Details) $ in Thousands	Dec. 31, 2024 USD ($)
Income Taxes [Abstract]
State net operating loss carry forwards	$ 0
Tax credit carry forwards	$ 0

Income Taxes, Reconciliation of

Income Taxes, Reconciliation of Federal Statutory Rate to Actual Effective Rate (Details)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Reconciliation of federal statutory rate to actual effective rate [Abstract]
Federal statutory income tax rate	21%	21%
Increase (decrease) in tax rate due to [Abstract]
State franchise tax, net of federal benefit	8.40%	8.40%
Reduction for tax exempt interest	(1.50%)	(1.20%)
Cash surrender value of life insurance	(0.30%)	(0.40%)
Other	0.40%	(0.50%)
Effective income tax rate	28%	27.30%

Income Taxes, Accounting for Un

Income Taxes, Accounting for Uncertainty in Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Accounting for Uncertainty in Income Taxes [Abstract]
Unrecognized tax benefits	$ 0	$ 0
Change in unrecognized tax benefits	0	0
Unrecognized interest and penalties	$ 0	$ 0
Internal Revenue Service (IRS) [Member]
Accounting for Uncertainty in Income Taxes [Abstract]
Tax year subject to examination	2023 2022 2021
California Franchise Tax Board [Member]
Accounting for Uncertainty in Income Taxes [Abstract]
Tax year subject to examination	2023 2022 2021 2020

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income/(Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Activity in accumulated other comprehensive income (loss) [Roll Forward]
Balance	$ 159,245	$ 125,040
Current period other comprehensive income (loss), net of tax	(124)	12,801
Balance	176,332	159,245
Accumulated Other Comprehensive Income (Loss) [Member]
Activity in accumulated other comprehensive income (loss) [Roll Forward]
Balance	(33,727)	(46,528)
Current period other comprehensive income (loss), net of tax	(124)	12,801
Balance	(33,851)	(33,727)
Unrealized Gains (Losses) on Securities [Member]
Activity in accumulated other comprehensive income (loss) [Roll Forward]
Balance	(33,778)	(46,273)
Current period other comprehensive income (loss), net of tax	(379)	12,495
Balance	(34,157)	(33,778)
Officers' Retirement Plan [Member]
Activity in accumulated other comprehensive income (loss) [Roll Forward]
Balance	(70)	(308)
Current period other comprehensive income (loss), net of tax	277	238
Balance	207	(70)
Directors' Retirement Plan [Member]
Activity in accumulated other comprehensive income (loss) [Roll Forward]
Balance	121	53
Current period other comprehensive income (loss), net of tax	(22)	68
Balance	$ 99	$ 121

Supplemental Consolidated Sta_3

Supplemental Consolidated Statements of Cash Flows Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Cash paid during the year for [Abstract]
Interest	$ 14,644	$ 6,110
Income taxes	7,670	8,500
Supplemental disclosure of non-cash investing and financing activities [Abstract]
Stock dividend distributed	6,392	5,652
Fair value adjustment of securities available for sale, net of tax of $(157) and 5,240 for the years ended December 31, 2024 and 2023, respectively	(379)	12,495
Recognition of right-of-use assets obtained in exchange for operating lease liabilities	0	245
Market value of shares tendered in-lieu of cash to pay for exercise of options	348	361
Fair value adjustment of securities available for sale, tax	(157)	5,240
Non-cash assets acquired (liabilities assumed) in acquisition [Abstract]
Total assets acquired	0	12,612
Total liabilities assumed	$ 0	$ (115,916)

Parent Company Financial Info_3

Parent Company Financial Information, Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Assets [Abstract]
Interest receivable and other assets	$ 52,408	$ 53,468
Total Assets	1,891,722	1,871,832
Liabilities and stockholders' equity [Abstract]
Liabilities	1,715,390	1,712,587
Stockholders' equity	176,332	159,245	$ 125,040
Total Liabilities and Stockholders' Equity	1,891,722	1,871,832
Parent Company [Member]
Assets [Abstract]
Cash	1,097	1,359
Investment in wholly-owned subsidiary	174,796	157,662
Interest receivable and other assets	439	224
Total Assets	176,332	159,245
Liabilities and stockholders' equity [Abstract]
Liabilities	0	0
Stockholders' equity	176,332	159,245
Total Liabilities and Stockholders' Equity	$ 176,332	$ 159,245

Parent Company Financial Info_4

Parent Company Financial Information, Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Statements of Income [Abstract]
Other operating expenses	$ (42,789)	$ (43,638)
Income tax benefit	(7,806)	(8,092)
Net income	20,034	21,554
Parent Company [Member]
Statements of Income [Abstract]
Dividends from subsidiary	3,000	0
Other operating expenses	(318)	(308)
Income tax benefit	94	91
Loss before undistributed earnings of subsidiary	2,776	(217)
Equity in undistributed earnings of subsidiary	17,258	21,771
Net income	$ 20,034	$ 21,554

Parent Company Financial Info_5

Parent Company Financial Information, Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Statements of Cash Flows [Abstract]
Net income	$ 20,034	$ 21,554
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Stock-based compensation	846	820
Increase in interest receivable and other assets	(412)	(961)
Net cash provided by operating activities	19,537	27,300
Cash flows from financing activities [Abstract]
Common stock issued	102	96
Stock repurchases	(3,764)	(143)
Cash dividends paid in lieu of fractional shares	(7)	(7)
Net cash provided by (used in) financing activities	3,976	(149,114)
Net (decrease) increase in cash and cash equivalents	(29,763)	(38,206)
Cash and cash equivalents at beginning of year	149,211	187,417
Cash and cash equivalents at end of year	119,448	149,211
Parent Company [Member]
Statements of Cash Flows [Abstract]
Net income	20,034	21,554
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Stock-based compensation	846	820
Increase in interest receivable and other assets	(215)	(224)
Equity in undistributed earnings of subsidiary	(17,258)	(21,771)
Net cash provided by operating activities	3,407	379
Cash flows from financing activities [Abstract]
Common stock issued	102	96
Stock repurchases	(3,764)	(143)
Cash dividends paid in lieu of fractional shares	(7)	(7)
Net cash provided by (used in) financing activities	(3,669)	(54)
Net (decrease) increase in cash and cash equivalents	(262)	325
Cash and cash equivalents at beginning of year	1,359	1,034
Cash and cash equivalents at end of year	$ 1,097	$ 1,359

Related Party Transactions (Det

Related Party Transactions (Details) - Executive Officers and Directors [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Related Party Transactions [Abstract]
Deposits from executive officers and directors	$ 3,963	$ 4,058
Loans to executive officers and directors [Roll Forward]
Outstanding balance, beginning of year	2,422	2,583
Credit granted	0	25
Repayments / Reductions	(865)	(186)
Outstanding balance, end of year	$ 1,557	$ 2,422

Segment Disclosures (Details)

Segment Disclosures (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) Segment	Dec. 31, 2023 USD ($)
Segment Disclosures [Abstract]
Number of reportable segments | Segment	1
Accounting Policies for Segments [Abstract]
Interest and dividend income	$ 78,652	$ 74,123
Reconciliation of Revenue [Abstract]
Other revenues	6,019	7,845
Less [Abstract]
Interest expense	14,292	7,584
Less [Abstract]
(Reversal of) provision for credit losses	(250)	1,100
Salaries and employee benefits	23,850	25,914
Occupancy and equipment	4,736	4,329
Data processing	4,224	4,043
Provision for income taxes	7,806	8,092
Net income	20,034	21,554
Reconciliation of Assets [Abstract]
Assets	1,891,722	1,871,832
Banking Operations [Member]
Accounting Policies for Segments [Abstract]
Interest and dividend income	78,652	74,123
Reconciliation of Revenue [Abstract]
Other revenues	6,019	7,845
Total consolidated revenue	84,671	81,968
Less [Abstract]
Interest expense	14,292	7,584
Segment net interest income and noninterest income	70,379	74,384
Less [Abstract]
(Reversal of) provision for credit losses	(250)	1,100
Salaries and employee benefits	23,850	25,914
Occupancy and equipment	4,736	4,329
Data processing	4,224	4,043
Other banking segment items	9,979	9,352
Provision for income taxes	7,806	8,092
Net income	20,034	21,554
Operating Segments [Member] | Banking Operations [Member]
Reconciliation of Assets [Abstract]
Assets	1,891,722	1,871,832
Other [Member]
Reconciliation of Assets [Abstract]
Assets	$ 0	$ 0

Business Combinations (Details)

Business Combinations (Details) $ in Thousands		12 Months Ended
	Jan. 20, 2023 USD ($) Branches	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Liabilities assumed [Abstract]
Bargain purchase gain recognized		$ 0	$ 1,405
Core Deposit Intangible [Member]
Business Combination [Abstract]
Core deposit intangible estimated life		10 years
Columbia State Bank [Member]
Business Combination [Abstract]
Number of branches | Branches	3
Acquisition related costs		$ 0	$ 250
Fair value of consideration received [Abstract]
Cash consideration received	$ 103,425
Total fair value of consideration received	103,425
Assets acquired [Abstract]
Cash and cash equivalents	1,284
Loans	4,006
Premises and equipment	3,621
Core deposit intangible	4,970
Other assets	15
Total assets acquired	13,896
Liabilities assumed [Abstract]
Deposits	115,914
Other liabilities	2
Total liabilities assumed	115,916
Cost basis of net liabilities assumed	(107,097)
Total net liabilities assumed	102,020
Bargain purchase gain recognized	1,405
Columbia State Bank [Member] | Fair Value Adjustments [Member]
Assets acquired [Abstract]
Loans	(363)
Premises and equipment	307
Core deposit intangible	4,970
Liabilities assumed [Abstract]
Deposits	$ 163
Columbia State Bank [Member] | Core Deposit Intangible [Member]
Business Combination [Abstract]
Core deposit intangible estimated life		10 years