Citizens & Northern (CZNC) 10-K 6 Mar 25 2024 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Feb. 24, 2025	Jun. 30, 2024
Document And Entity Information
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2024
Document Transition Report	false
Entity File Number	0-16084
Entity Registrant Name	CITIZENS & NORTHERN CORPORATION
Entity Incorporation, State or Country Code	PA
Entity Tax Identification Number	23-2451943
Entity Address, Address Line One	90-92 MAIN STREET
Entity Address, City or Town	WELLSBORO
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	16901
City Area Code	570
Local Phone Number	724-3411
Title of 12(b) Security	Common Stock Par Value $1.00
Trading Symbol	CZNC
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float				$ 263,572,799
Entity Common Stock, Shares Outstanding (in shares)			15,466,068
Entity Central Index Key	0000810958
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Amendment Flag	false
Auditor Name	Crowe LLP	Baker Tilly US, LLP
Auditor Location	Columbus, Ohio	Pittsburgh, Pennsylvania
Auditor Firm ID	173	23

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Cash and due from banks:
Noninterest-bearing	$ 21,110,000	$ 24,855,000
Interest-bearing	105,064,000	32,023,000
Total cash and due from banks	126,174,000	56,878,000
Available-for-sale debt securities, at fair value	402,380,000	415,755,000
Loans receivable	1,895,848,000	1,848,139,000
Allowance for credit losses	(20,035,000)	(19,208,000)
Loans, net	1,875,813,000	1,828,931,000
Bank-owned life insurance	51,214,000	63,674,000
Accrued interest receivable	8,735,000	9,140,000
Bank premises and equipment, net	21,338,000	21,632,000
Foreclosed assets held for sale	181,000	478,000
Deferred tax asset, net	19,098,000	17,441,000
Goodwill	52,505,000	52,505,000
Core deposit intangibles, net	2,080,000	2,469,000
Other assets	51,135,000	46,681,000
TOTAL ASSETS	2,610,653,000	2,515,584,000
Deposits:
Noninterest-bearing	486,566,000	490,554,000
Interest-bearing	1,607,343,000	1,524,252,000
Total deposits	2,093,909,000	2,014,806,000
Short-term borrowings	2,488,000	33,874,000
Long-term borrowings - FHLB advances	165,451,000	138,337,000
Senior notes, net	14,899,000	14,831,000
Subordinated debt, net	24,831,000	24,717,000
Accrued interest and other liabilities	33,791,000	26,638,000
TOTAL LIABILITIES	2,335,369,000	2,253,203,000
STOCKHOLDERS' EQUITY
Preferred stock, $1,000 par value; authorized 30,000 shares; $1,000 liquidation preference per share; no shares issued
Common stock, par value $1.00 per share; authorized 30,000,000 shares; issued 16,030,172 and outstanding 15,433,494 at December 31, 2024; issued 16,030,172 and outstanding 15,295,135 at December 31, 2023	16,030,000	16,030,000
Paid-in capital	143,565,000	144,388,000
Retained earnings	165,778,000	157,028,000
Treasury stock, at cost; 596,678 shares at December 31, 2024 and 735,037 shares at December 31, 2023	(13,328,000)	(16,628,000)
Accumulated other comprehensive loss	(36,761,000)	(38,437,000)
TOTAL STOCKHOLDERS' EQUITY	275,284,000	262,381,000
TOTAL LIABILITIES & STOCKHOLDERS' EQUITY	$ 2,610,653,000	$ 2,515,584,000

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Dec. 31, 2024	Dec. 31, 2023
CONSOLIDATED BALANCE SHEETS
Preferred stock, par value (in dollars per share)	$ 1,000	$ 1,000
Preferred stock, authorized (in shares)	30,000	30,000
Preferred stock, liquidation preference per share (in dollars per share)	$ 1,000	$ 1,000
Preferred stock, shares issued (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	30,000,000	30,000,000
Common stock, shares issued (in shares)	16,030,172	16,030,172
Common stock, shares outstanding (in shares)	15,433,494	15,295,135
Treasury stock, shares (in shares)	596,678	735,037

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Interest and fees on loans:
Taxable	$ 110,396	$ 98,854	$ 78,599
Tax-exempt	2,396	2,225	1,965
Income from available-for-sale debt securities:
Taxable	8,593	8,555	8,360
Tax-exempt	2,260	2,427	3,001
Other interest and dividend income	4,433	1,443	722
Total interest and dividend income	128,078	113,504	92,647
INTEREST EXPENSE
Interest on deposits	39,200	24,233	6,638
Interest on short-term borrowings	1,168	3,240	429
Interest on long-term borrowings - FHLB advances	7,188	4,230	896
Interest on senior notes, net	481	479	477
Interest on subordinated debt, net	926	922	1,079
Total interest expense	48,963	33,104	9,519
Net interest income	79,115	80,400	83,128
Provision for credit losses	2,195	186	7,255
Net interest income after provision for credit losses	76,920	80,214	75,873
NONINTEREST INCOME
Trust revenue	7,928	7,413	6,994
Brokerage and insurance revenue	2,271	1,675	2,291
Net gains from sale of loans	1,158	723	757
Increase in cash surrender value of life insurance	1,830	2,703	545
Other noninterest income	5,230	4,610	3,698
Realized (losses) gains on available-for-sale debt securities, net	0	(3,036)	20
Total noninterest income	29,209	24,417	24,432
NONINTEREST EXPENSE
Salaries and employee benefits	44,930	44,195	41,833
Net occupancy and equipment expense	5,473	5,357	5,533
Data processing and telecommunications expense	7,768	7,582	6,806
Automated teller machine and interchange expense	1,818	1,682	1,601
Pennsylvania shares tax	1,733	1,602	1,956
Professional fees	2,175	2,497	2,005
Other noninterest expense	10,361	11,233	8,221
Total noninterest expense	74,258	74,148	67,955
Income before income tax provision	31,871	30,483	32,350
Income tax provision	5,913	6,335	5,732
NET INCOME	$ 25,958	$ 24,148	$ 26,618
EARNINGS PER COMMON SHARE - BASIC (in dollars per share)	$ 1.69	$ 1.57	$ 1.71
EARNINGS PER COMMON SHARE - DILUTED (in dollars per share)	$ 1.69	$ 1.57	$ 1.71
Service charges on deposit accounts
NONINTEREST INCOME
Revenue	$ 5,867	$ 5,567	$ 5,019
Interchange revenue from debit card transactions
NONINTEREST INCOME
Revenue	4,276	4,160	4,148
Loan servicing fees, net
NONINTEREST INCOME
Revenue	$ 649	$ 602	$ 960

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Consolidated Statements of Comprehensive Income (Loss)
Net income	$ 25,958	$ 24,148	$ 26,618
Available-for-sale debt securities:
Unrealized holding gains (losses) on available-for-sale debt securities	1,670	11,512	(69,828)
Reclassification adjustment for losses (gains) realized in income	0	3,036	(20)
Other comprehensive income (loss) on available-for-sale debt securities	1,670	14,548	(69,848)
Unfunded pension and postretirement obligations:
Changes from plan amendments and actuarial gains and losses	405	(9)	389
Amortization of prior service cost and net actuarial loss and curtailment gain included in net periodic benefit cost	(552)	(56)	(42)
Other comprehensive (loss) income on pension and postretirement obligations	(147)	(65)	347
Other comprehensive income (loss) before income tax	1,523	14,483	(69,501)
Income tax related to other comprehensive (income) loss	153	(3,042)	14,597
Net other comprehensive income (loss)	1,676	11,441	(54,904)
Comprehensive income (loss)	$ 27,634	$ 35,589	$ (28,286)

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock	Treasury Shares	Paid-in Capital	Retained Earnings Adoption of ASU 2016-13 (CECL)	Retained Earnings	Accumulated Other Comprehensive Loss	Adoption of ASU 2016-13 (CECL)	Total
Balance (in shares) at Dec. 31, 2021	16,030,172
Balance (in shares) at Dec. 31, 2021		271,082
Balance, beginning of period at Dec. 31, 2021	$ 16,030	$ (6,716)	$ 144,453		$ 142,612	$ 5,026		$ 301,405
Net income					26,618			26,618
Other comprehensive income (loss), net						(54,904)		(54,904)
Cash dividends declared on common stock					(17,487)			(17,487)
Shares issued for dividend reinvestment plan (in shares)		(65,470)
Shares issued for dividend reinvestment plan		$ 1,614	8					$ 1,622
Shares issued from treasury and redeemed related to exercise of stock options (in shares)		(9,178)						(13,654)
Shares issued from treasury and redeemed related to exercise of stock options		$ 227	(67)					$ 160
Restricted stock granted (in shares)		(78,243)
Restricted stock granted		$ 1,932	(1,932)					0
Forfeiture of restricted stock (in shares)		10,782
Forfeiture of restricted stock		$ (228)	228					0
Stock-based compensation expense			1,260					1,260
Purchase of restricted stock for tax withholding (in shares)		6,964
Purchase of restricted stock for tax withholding		$ (175)						(175)
Treasury stock purchases (in shares)		375,416
Treasury stock purchases		$ (9,174)						(9,174)
Balance (in shares) at Dec. 31, 2022	16,030,172
Balance (in shares) at Dec. 31, 2022		511,353
Balance, end of period at Dec. 31, 2022	$ 16,030	$ (12,520)	143,950		151,743	(49,878)		249,325
Net income					24,148			24,148
Other comprehensive income (loss), net						11,441		11,441
Cash dividends declared on common stock					(17,211)			(17,211)
Shares issued for dividend reinvestment plan (in shares)		(81,930)
Shares issued for dividend reinvestment plan		$ 1,888	(246)					$ 1,642
Shares issued from treasury and redeemed related to exercise of stock options (in shares)		(612)						(8,288)
Shares issued from treasury and redeemed related to exercise of stock options		$ 30	(30)					$ 0
Restricted stock granted (in shares)		(53,788)
Restricted stock granted		$ 1,314	(1,314)					0
Forfeiture of restricted stock (in shares)		25,261
Forfeiture of restricted stock		$ (556)	556					0
Stock-based compensation expense			1,472					1,472
Purchase of restricted stock for tax withholding (in shares)		9,453
Purchase of restricted stock for tax withholding		$ (219)						(219)
Treasury stock purchases (in shares)		325,300
Treasury stock purchases		$ (6,565)						$ (6,565)
Balance (in shares) at Dec. 31, 2023	16,030,172
Balance (in shares) at Dec. 31, 2023		735,037						735,037
Balance, end of period at Dec. 31, 2023	$ 16,030	$ (16,628)	144,388	$ (1,652)	157,028	(38,437)	$ (1,652)	$ 262,381
Net income					25,958			25,958
Other comprehensive income (loss), net						1,676		1,676
Cash dividends declared on common stock					(17,208)			(17,208)
Shares issued for dividend reinvestment plan (in shares)		(83,838)
Shares issued for dividend reinvestment plan		$ 1,885	(273)					$ 1,612
Shares issued from treasury and redeemed related to exercise of stock options (in shares)								0
Restricted stock granted (in shares)		(92,860)
Restricted stock granted		$ 2,094	(2,094)					$ 0
Forfeiture of restricted stock (in shares)		2,076
Forfeiture of restricted stock		$ (50)	50					0
Stock-based compensation expense			1,494					1,494
Purchase of restricted stock for tax withholding (in shares)		10,229
Purchase of restricted stock for tax withholding		$ (212)						(212)
Treasury stock purchases (in shares)		26,034
Treasury stock purchases		$ (417)						$ (417)
Balance (in shares) at Dec. 31, 2024	16,030,172
Balance (in shares) at Dec. 31, 2024		596,678						596,678
Balance, end of period at Dec. 31, 2024	$ 16,030	$ (13,328)	$ 143,565		$ 165,778	$ (36,761)		$ 275,284

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parentheticals) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Retained Earnings
Common stock, dividends, per share (in dollars per share)	$ 1.12	$ 1.12	$ 1.12

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 25,958	$ 24,148	$ 26,618
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	2,195	186	7,255
Realized losses (gains) on available-for-sale debt securities, net	0	3,036	(20)
Net amortization of securities	1,645	2,062	2,760
Increase in cash surrender value of life insurance	(1,830)	(2,703)	(545)
Depreciation and amortization of bank premises and equipment	2,183	2,151	2,389
Net accretion of purchase accounting adjustments	(253)	(288)	(1,181)
Stock-based compensation	1,494	1,472	1,260
Deferred income taxes	(1,504)	836	(400)
Decrease (increase) in fair value of servicing rights	164	200	(126)
Net gains from sale of loans	(1,158)	(723)	(757)
Origination of loans held for sale	(37,841)	(24,630)	(26,231)
Proceeds from sales of loans held for sale	36,810	25,106	27,636
Increase in accrued interest receivable and other assets	(3,014)	(1,400)	(3,532)
Increase (decrease) in accrued interest payable and other liabilities	7,992	4,161	(589)
Other	194	(66)	62
Net Cash Provided by Operating Activities	33,035	33,548	34,599
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of certificates of deposit	0	0	(250)
Proceeds from maturities of certificates of deposit	1,500	3,250	2,000
Proceeds from sales of available-for-sale debt securities	0	60,819	4,100
Proceeds from calls and maturities of available-for-sale debt securities	39,188	52,323	58,673
Purchase of available-for-sale debt securities	(25,788)	(23,414)	(113,715)
Redemption of Federal Home Loan Bank of Pittsburgh stock	7,006	22,634	11,604
Purchase of Federal Home Loan Bank of Pittsburgh stock	(6,810)	(23,680)	(16,459)
Purchase of Federal Reserve Bank stock	(47)	(6,252)	0
Net increase in loans	(48,697)	(107,356)	(178,203)
Purchase of bank-owned life insurance	0	(30,000)	0
Proceeds from bank-owned life insurance	14,290	363	0
Purchase of premises and equipment	(1,906)	(2,265)	(3,288)
Proceeds from sale of foreclosed assets	293	267	647
Other	33	109	203
Net Cash Used in Investing Activities	(20,938)	(53,202)	(234,688)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	79,107	17,234	72,689
Net (decrease) increase in short-term borrowings	(31,386)	(46,188)	78,259
Proceeds from long-term borrowings - FHLB advances	59,386	85,436	50,000
Repayments of long-term borrowings - FHLB advances	(32,249)	(9,395)	(15,455)
Redemption of subordinated debt	0	0	(8,500)
Sale of treasury stock	0	0	160
Purchases of treasury stock	(629)	(6,784)	(9,349)
Common dividends paid	(15,530)	(15,569)	(15,865)
Net Cash Provided by Financing Activities	58,699	24,734	151,939
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	70,796	5,080	(48,150)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	52,778	47,698	95,848
CASH AND CASH EQUIVALENTS, END OF PERIOD	$ 123,574	$ 52,778	$ 47,698

CONSOLIDATED STATEMENTS OF CA_2

CONSOLIDATED STATEMENTS OF CASH FLOWS (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
(Decrease ) increase in accrued purchase of available-for-sale debt securities	$ 0	$ (2,000)	$ 2,000
Assets acquired through foreclosure of real estate loans	0	423	51
Leased assets obtained in exchange for new operating lease liabilities	187	0	904
Interest paid	48,563	31,936	9,497
Income taxes paid	$ 4,839	$ 6,383	$ 5,561

NATURE OF OPERATIONS AND SUMMAR

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2024
NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	1. NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES BASIS OF CONSOLIDATION – NATURE OF OPERATIONS – The Corporation provides banking and related services to individual and corporate customers. Lending products include commercial, mortgage and consumer loans, as well as specialized instruments such as commercial letters-of-credit. Deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, Individual Retirement Accounts and certificates of deposit. The Corporation provides wealth management services through its trust department, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services. The Corporation offers a variety of personal and commercial insurance products through C&N Financial Services, LLC. C&N Financial Services, LLC also offers mutual funds, annuities, educational savings accounts and other investment products through registered agents. The Corporation conducts its operations through one reportable segment. All of the Corporation’s activities are interrelated, and each activity is dependent and assessed based on how each of the activities of the Corporation supports the others. See Note 21 Segment Reporting for additional information. The Corporation is subject to competition from other financial institutions. It is also subject to regulation by certain federal and state agencies and undergoes periodic examination by those regulatory authorities. USE OF ESTIMATES – Material estimates that are particularly susceptible to change include the allowance for credit losses. INVESTMENT SECURITIES – Available-for-sale debt securities – A debt security is placed on nonaccrual status at the time any principal or interest payments become over 90 days delinquent. Interest accrued but not received for a security placed on nonaccrual is reversed against interest income. Allowance for Credit Losses- Available-for-Sale Debt Securities – Changes in the allowance for credit losses are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance for credit losses when management believes an available-for-sale debt security is confirmed to be uncollectible or when either of the criteria regarding intent or requirement to sell is met. At December 31, 2024 and 2023, there was no allowance for credit losses related to the available-for-sale portfolio. Accrued interest receivable on available-for-sale debt securities totaled $1,964,000 and $2,018,000 at December 31, 2024 and 2023 and was excluded from the estimate of credit losses. Marketable equity security Restricted equity securities DERIVATIVES – Interest rate swaps with commercial banking customers were executed to enable the commercial banking customers to effectively exchange their floating interest rate exposures on loans into fixed interest rate exposures. Those interest rate swaps have been simultaneously economically hedged by offsetting interest rate swaps with a third party such that the Corporation has effectively exchanged its fixed interest rate exposures for floating rate exposures. These derivatives are not designated as hedges and are not speculative. Changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. Interest differentials paid or received under the swap agreements are reflected as adjustments to interest and fees on loans in the consolidated statements of income. The fair value of interest rate derivatives is included in the balance of other assets and other liabilities in the consolidated balance sheets. The Corporation has entered into an RPA with another institution as a means to assume a portion of the credit risk associated with a loan structure which includes a derivative instrument, in exchange for fee income commensurate with the risk assumed. This type of derivative is referred to as an “RPA In.” The fair value of the RPA In is included in accrued interest and other liabilities in the consolidated balance sheets. In an effort to reduce the credit risk associated with an interest rate swap agreement with a borrower for whom the Corporation has provided a loan structured with a derivative, the Corporation purchased an RPA from an institution participating in the facility in exchange for a fee commensurate with the risk shared. This type of derivative is referred to as an “RPA Out.” The fair value of the RPA Out is included in other assets in the consolidated balance sheets. Fees paid and received associated with RPAs, as well as changes in fair value of the related derivatives, are included in other noninterest income in the consolidated statements of income. LOANS HELD FOR SALE – LOANS RECEIVABLE – Loans are placed on nonaccrual status for all classes of loans when, in the opinion of management, collection of interest is doubtful. Any unpaid interest previously accrued on those loans is reversed from income. Interest payments received on loans for which the risk of loss is greater than remote are applied as a reduction of the loan principal balance. Interest income on other nonaccrual loans is recognized only to the extent of interest payments received. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt. The past due status of loans receivable is determined based on contractual due dates for loan payments. Also, the amortization of deferred loan fees is discontinued when a loan is placed on nonaccrual status. Loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. PURCHASED LOANS – ALLOWANCE FOR CREDIT LOSSES ON LOANS – The allowance for credit losses is a valuation account that is deducted from the loans' 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 uncollectibility of a loan balance is confirmed. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. The allowance for credit losses represents management’s estimate of lifetime credit losses inherent in loans as of the consolidated balance sheet date. The allowance for credit losses is estimated by management using relevant available information, from both internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. ​ Accrued interest receivable on loans totaled $6,680,000 and $7,099,000 at December 31, 2024 and 2023 and was excluded from the estimate of credit losses. ​ The allowance for credit losses (“ACL”) includes two primary components: (i) an allowance established on loans which share similar risk characteristics collectively evaluated for credit losses (collective basis), and (ii) an allowance established on loans which do not share similar risk characteristics with any loan segment and which are individually evaluated for credit losses (individual basis). ​ Evaluation of Expected Losses on Individual Loans ​ Loans evaluated on an individual basis are identified based on a detailed assessment of certain larger loan relationships, and their related credit risk ratings, by a management committee referred to as the Watch List Committee. The scope of loans discussed by the Watch List Committee each quarter includes all commercial loan relationships greater than $200,000 and any residential mortgage or consumer loans of $400,000 or more for which there is at least one extension of credit graded Special Mention, Substandard or Doubtful. ​ Based on the results of the Watch List analysis, certain loans are evaluated individually for credit loss . ​ Collective Evaluation of Expected Losses – Pool Basis ​ The Corporation measures expected credit losses for loans on a pooled basis when similar risk characteristics exist. The Corporation has identified the following portfolio segments and calculates the allowance for credit losses for each using the weighted-average remaining maturity (“WARM”) method: ​ ​ Commercial real estate - nonowner occupied, further broken down into the following classes: Non-owner occupied Multi-family (5 or more) residential 1-4 Family - commercial purpose Commercial real estate - owner occupied All other commercial loans, further broken down into the following classes: Commercial and industrial Commercial lines of credit Political subdivisions Commercial construction and land Other commercial loans Residential mortgage loans, further broken down into the following classes: 1-4 Family – residential 1-4 Family residential construction Consumer loans, further broken down into the following classes: Consumer lines of credit (including HELOCs) All other consumer ​ In determining the pools for collective evaluation, management uses a combination of loan purpose, collateral and payment type (for example, lines of credit vs. amortizing). The pools identified are similar to the loan classes that were used in the Corporation’s financial reporting for several years prior to CECL adoption, with several exceptions including the following which are of the most significant: ​ ● Commercial real estate secured loans are broken out between non-owner occupied and owner-occupied ● Loans secured by 1-4 family residential mortgages are broken out between consumer-purpose and commercial-purpose ● Commercial lines of credit are broken out as an individual category ​ Each of these changes was made to better sort loans into pools with similar risk and cash flow characteristics. ​ A summary of risk characteristics by portfolio segment is as follows: Commercial real estate - non-owner occupied- Commercial real estate - owner-occupied - All other commercial loans- Residential mortgage loans - Consumer loans - ​ Estimation Method - WARM (Weighted-Average Remaining Maturity Method) ​ In applying the WARM method, for each pool identified above, the Corporation determines the annual net charge-offs as a percentage of average total loan balances (net charge-off percentage). For each loan pool, the average annualized net charge-off percentage is multiplied by the estimated weighted-average remaining average life of the loans to calculate the loss rate. ​ The calculation of the estimated weighted-average remaining life of each loan pool is based on instrument-level data, with contractual principal payments adjusted for the estimated impact of prepayments. Commercial lines of credit and other revolving credit facilities are generally assumed to be repaid after 1 year . The estimated weighted-average remaining life of the entire portfolio was calculated to be 4.04 years at December 31, 2024, 4.48 years at December 31, 2023 and 4.36 years at January 1, 2023. ​ Qualitative Factors ​ The allowance for credit losses calculation includes subjective adjustments for qualitative risk factors that are deemed likely to cause estimated credit losses to differ from historical experience. These qualitative adjustments generally increase allowance levels and include adjustments for factors deemed relevant, including: the nature and volume of portfolio changes, including loan portfolio growth; concentrations of credit based on loan type (such as non-owner occupied commercial real estate) or industry; the volume and severity of past due, nonaccrual or adversely classified loans; trends in real estate or other collateral values; lending policies and procedures, including changes in underwriting and collections practices; credit review function; lending, credit and other relevant management experience and risk tolerance; external factors and economic conditions not already captured. ​ Economic Forecast ​ ASC 326 requires management to consider forward-looking information that is both reasonable and supportable and relevant to the collectability of cash flows. Reasonable and supportable forecasts may extend over the entire contractual term of a financial asset or a period shorter than the contractual term. In that regard, management has selected a forecast period of 2 years , which is shorter than the estimated weighted-average remaining life of the loan portfolio. ​ The Corporation calculates an additional expected credit loss based the high correlation between past loss experience and the U.S national unemployment rate. This additional credit loss is added to the allowance calculation, conceptually for the first 2 years of the weighted-average remaining life of the portfolio after which time the credit loss for each pool is determined based on the WARM historical loss rate as adjusted for qualitative factors. ​ ALLOWANCE FOR CREDIT LOSSES ON OFF-BALANCE SHEET EXPOSURES Financial instruments include off-balance sheet credit instruments, such as commitments to make loans, commercial letters of credit and credit enhancement obligations related to residential mortgage loans sold with recourse. The Corporation’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for off-balance sheet loan commitments is represented by the contractual amount of those instruments. Such financial instruments are recorded when they are funded. The Corporation records an allowance for credit losses on off-balance sheet credit exposures, unless the commitments to extend credit are unconditionally cancelable, through a charge to provision for unfunded commitments in the Corporation’s consolidated statements of income. The allowance for credit losses on off-balance sheet credit exposures is estimated by loan segment at each consolidated balance sheet date under the current expected credit loss model using the same methodologies as portfolio loans, taking into consideration the likelihood that funding will occur as well as any third-party guarantees. The allowance for off-balance sheet exposures is included in accrued interest and other liabilities in the Corporation’s consolidated balance sheets and the related credit expense is recorded in the provision for credit losses in the consolidated statements of income. BANK PREMISES AND EQUIPMENT – 3 3 IMPAIRMENT OF LONG-LIVED ASSETS – FORECLOSED ASSETS HELD FOR SALE – GOODWILL – CORE DEPOSIT INTANGIBLES – SERVICING RIGHTS INCOME TAXES STOCK-BASED COMPENSATION TREASURY STOCK – . OFF-BALANCE SHEET FINANCIAL INSTRUMENTS – CASH FLOWS – REVENUE RECOGNITION – Additional disclosures related to the Corporation’s largest sources of noninterest income within the consolidated statements of income from contracts with customers that are subject to ASC Topic 606 are as follows: Trust revenue – The majority (approximately 81%, based on annual 2024 results) of trust revenue is earned and collected monthly, with the amount determined based on a percentage of the fair value of the trust assets under administration. Wealth management fees are contractually agreed with each customer, and fee levels vary based mainly on the size of assets under administration. The services provided under such a contract represent a single performance obligation under ASC 606 because it embodies a series of distinct goods or services that are substantially the same and have the same pattern of transfer to the customer. None of the contracts with trust customers provide for incentive-based fees. In addition to wealth management fees, trust revenue includes fees for provision of services, including employee benefit plan administration, tax return preparation and estate planning and settlement. Fees for such services are billed based on contractual arrangements or established fee schedules and are typically billed upon completion of providing such services. The costs of acquiring trust customers are incremental and recognized within noninterest expense in the consolidated statements of income. Brokerage and insurance revenue- Service charges on deposit accounts Interchange revenue from debit card transactions – Bank-Owned Life Insurance- Transfer of Financial Assets -

RECENT ACCOUNTING PRONOUNCEMENT

RECENT ACCOUNTING PRONOUNCEMENTS	12 Months Ended
	Dec. 31, 2024
RECENT ACCOUNTING PRONOUNCEMENTS
RECENT ACCOUNTING PRONOUNCEMENTS	2. RECENT ACCOUNTING PRONOUNCEMENTS The Financial Accounting Standards Board (FASB) issues Accounting Standard Updates (ASUs) to communicate changes to the FASB Accounting Standard Codification (ASC). This section provides a summary description of recent ASUs that have significant implications (elected or required) within the consolidated financial statements, or that management expects may have a significant impact on financial statements issued in the foreseeable future. On January 1, 2023, the Corporation adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (ASC 326). This standard replaced the incurred loss methodology with an expected loss methodology that is referred to as the current expected credit loss (“CECL”) methodology. The Corporation adopted ASC 326 using the modified retrospective approach for all financial assets measured at amortized cost and off-balance sheet credit exposures. The following table illustrates the impact on the allowance for credit losses from the adoption of ASC 326: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As Reported ​ ​ ​ ​ Under ​ Pre-ASC 326 ​ Impact of ​ ​ ASC 326 ​ Adoption ​ ASC 326 (In Thousands) ​ January 1, 2023 ​ December 31, 2022 ​ Adoption Loans receivable ​ $ 1,740,846 ​ $ 1,740,040 ​ $ 806 Allowance for credit losses on loans ​ ​ 18,719 ​ ​ 16,615 ​ ​ 2,104 Allowance for credit losses on off-balance sheet exposures (included in accrued interest and other liabilities) ​ ​ 1,218 ​ ​ 425 ​ ​ 793 Deferred tax asset, net ​ ​ 21,323 ​ ​ 20,884 ​ ​ 439 Retained earnings ​ ​ 150,091 ​ ​ 151,743 ​ ​ (1,652) ​ In November of 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures Recently Issued but Not Yet Effective Accounting Pronouncements In , - , improves the transparency of income tax disclosures by requiring (1) consistent categories and greater disaggregation of information in the rate reconciliation and (2) income taxes paid disaggregated by jurisdiction. ASU No. 2023-09 is effective for public business entities for annual periods beginning after December 15, 2024. T he ASU may be adopted on a prospective or retrospective basis and early adoption is permitted. The Corporation is currently evaluating the impact the new guidance will have on disclosures related to income taxes. ​ In December of 2024, the FASB issued ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40), which requires disclosure of certain costs and expenses in the notes to the consolidated financial statements. The amendments in this ASU will become effective for fiscal years beginning after December 15, 2026, and will be effective for interim periods with fiscal years beginning after December 15, 2027, with early adoption permitted. The amendments will be applied prospectively with the option for retrospective application . We are currently evaluating the impact of the standard to our consolidated financial statement disclosures. ​

PER SHARE DATA

PER SHARE DATA	12 Months Ended
	Dec. 31, 2024
PER SHARE DATA
PER SHARE DATA	3. PER SHARE DATA Basic earnings per common share are calculated using the two-class method to determine income attributable to common shareholders. Unvested restricted stock awards that contain nonforfeitable rights to dividends are considered participating securities under the two-class method. Distributed dividends and an allocation of undistributed net income to participating securities reduce the amount of income attributable to common shareholders. Income attributable to common shareholders is then divided by weighted-average common shares outstanding for the period to determine basic earnings per common share. Diluted earnings per common share are calculated under the more dilutive of either the treasury method or the two-class method. Diluted earnings per common share is computed using weighted-average common shares outstanding, plus weighted-average common shares available from the exercise of all dilutive stock options, less the number of shares that could be repurchased with the proceeds of stock option exercises based on the average share price of the Corporation’s common stock during the period. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands, Except Share and Per Share Data) Years Ended ​ ​ December 31, ​ December 31, ​ December 31, ​ 2024 ​ 2023 2022 Basic ​ ​ ​ ​ Net income ​ $ 25,958 ​ $ 24,148 ​ $ 26,618 Less: Dividends and undistributed earnings allocated to participating securities ​ (211) ​ (186) ​ (237) Net income attributable to common shares ​ $ 25,747 ​ $ 23,962 ​ $ 26,381 Basic weighted-average common shares outstanding ​ 15,262,504 ​ 15,241,859 ​ 15,455,432 Basic earnings per common share (a) ​ $ 1.69 ​ $ 1.57 ​ $ 1.71 Diluted ​ ​ ​ Net income attributable to common shares ​ $ 25,747 ​ $ 23,962 ​ $ 26,381 Basic weighted-average common shares outstanding ​ 15,262,504 ​ 15,241,859 ​ 15,455,432 Dilutive effect of potential common stock arising from stock options ​ 0 ​ 0 ​ 3,099 Diluted weighted-average common shares outstanding ​ 15,262,504 ​ 15,241,859 ​ 15,458,531 Diluted earnings per common share (a) ​ $ 1.69 ​ $ 1.57 ​ $ 1.71 Weighted-average nonvested restricted shares outstanding ​ 125,254 ​ 118,122 ​ 138,617 (a) Basic and diluted earnings per share under the two-class method are determined on net income reported on the consolidated income statement less earnings allocated to nonvested restricted shares with nonforfeitable dividends (participating securities). Anti-dilutive stock options are excluded from net income per share calculations. There were no anti-dilutive instruments in 2024 or 2022. Weighted-average common shares available from anti-dilutive instruments totaled 8,963 shares in 2023. ​

COMPREHENSIVE INCOME (LOSS)

COMPREHENSIVE INCOME (LOSS)	12 Months Ended
	Dec. 31, 2024
COMPREHENSIVE INCOME (LOSS)
COMPREHENSIVE INCOME (LOSS)	4. COMPREHENSIVE INCOME (LOSS) Comprehensive income (loss) is the total of (1) net income, and (2) all other changes in equity from non-stockholder sources, which are referred to as other comprehensive income (loss). The components of other comprehensive income (loss), and the related tax effects, are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) Before-Tax Income Tax Net-of-Tax ​ ​ Amount ​ Effect ​ Amount 2024 ​ ​ ​ Available-for-sale debt securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized holding gains on available-for-sale debt securities ​ $ 1,670 ​ $ 124 ​ $ 1,794 Reclassification adjustment for losses realized in income ​ ​ 0 ​ ​ 0 ​ ​ 0 Other comprehensive income from available-for-sale debt securities ​ ​ 1,670 ​ ​ 124 ​ ​ 1,794 Unfunded pension and postretirement obligations: ​ ​ ​ Changes from plan amendments and actuarial gains and losses ​ ​ 405 ​ ​ (87) ​ ​ 318 Amortization of prior service cost and net actuarial loss and curtailment gain included in net periodic benefit cost ​ (552) ​ 116 ​ (436) Other comprehensive loss on unfunded retirement obligations ​ ​ (147) ​ ​ 29 ​ ​ (118) Total other comprehensive income ​ $ 1,523 ​ $ 153 ​ $ 1,676 2023 ​ ​ ​ Available-for-sale debt securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized holding gains on available-for-sale debt securities ​ $ 11,512 ​ $ (2,418) ​ $ 9,094 Reclassification adjustment for losses realized in income ​ ​ 3,036 ​ ​ (638) ​ ​ 2,398 Other comprehensive income from available-for-sale debt securities ​ ​ 14,548 ​ ​ (3,056) ​ ​ 11,492 Unfunded pension and postretirement obligations: ​ ​ ​ Changes from plan amendments and actuarial gains and losses ​ ​ (9) ​ ​ 2 ​ ​ (7) Amortization of prior service cost and net actuarial loss included in net periodic benefit cost ​ (56) ​ 12 ​ (44) Other comprehensive loss on unfunded retirement obligations ​ ​ (65) ​ ​ 14 ​ ​ (51) Total other comprehensive income ​ $ 14,483 ​ $ (3,042) ​ $ 11,441 2022 ​ ​ ​ Available-for-sale debt securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized holding losses on available-for-sale debt securities ​ $ (69,828) ​ $ 14,665 ​ $ (55,163) Reclassification adjustment for (gains) realized in income ​ ​ (20) ​ ​ 4 ​ ​ (16) Other comprehensive loss from available-for-sale debt securities ​ ​ (69,848) ​ ​ 14,669 ​ ​ (55,179) Unfunded pension and postretirement obligations: ​ ​ ​ Changes from plan amendments and actuarial gains and losses ​ ​ 389 ​ ​ (81) ​ ​ 308 Amortization of prior service cost and net actuarial loss included in net periodic benefit cost ​ (42) ​ 9 ​ (33) Other comprehensive income on unfunded retirement obligations ​ ​ 347 ​ ​ (72) ​ ​ 275 Total other comprehensive loss ​ $ (69,501) ​ $ 14,597 ​ $ (54,904) ​ Items reclassified out of each component of accumulated other comprehensive loss are as follows: ​ ​ ​ ​ ​ ​ Affected Line Item in the Description Consolidated Statements of Income Reclassification adjustment for losses (gains) realized in income (before-tax) ​ Realized (losses) gains on available-for-sale debt securities, net Amortization of prior service cost and net actuarial loss included in net periodic benefit cost (before-tax) Other noninterest expense Income tax effect ​ Income tax provision ​ Changes in the components of accumulated other comprehensive loss, included in stockholders’ equity, are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ ​ Accumulated ​ ​ Unrealized ​ Unfunded ​ Other ​ (Losses) Gains Retirement Comprehensive ​ on Securities Obligations Loss 2024 ​ ​ ​ Balance, beginning of period ​ $ (38,878) ​ $ 441 ​ $ (38,437) Other comprehensive income (loss) during year ended December 31, 2024 ​ 1,794 ​ ​ (118) ​ 1,676 Balance, end of period ​ $ (37,084) ​ $ 323 ​ $ (36,761) 2023 ​ ​ ​ Balance, beginning of period ​ $ (50,370) ​ $ 492 ​ $ (49,878) Other comprehensive income (loss) during year ended December 31, 2023 ​ 11,492 ​ (51) ​ 11,441 Balance, end of period ​ $ (38,878) ​ $ 441 ​ $ (38,437) 2022 ​ ​ ​ Balance, beginning of period ​ $ 4,809 ​ $ 217 ​ $ 5,026 Other comprehensive (loss) income during year ended December 31, 2022 ​ (55,179) ​ 275 ​ (54,904) Balance, end of period ​ $ (50,370) ​ $ 492 ​ $ (49,878) ​

CASH AND DUE FROM BANKS

CASH AND DUE FROM BANKS	12 Months Ended
	Dec. 31, 2024
CASH AND DUE FROM BANKS
CASH AND DUE FROM BANKS	5. CASH AND DUE FROM BANKS Cash and due from banks at December 31, 2024 and 2023 include the following: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, December 31, ​ ​ 2024 ​ 2023 Cash and cash equivalents ​ $ 123,574 ​ $ 52,778 Certificates of deposit ​ 2,600 ​ 4,100 Total cash and due from banks ​ $ 126,174 ​ $ 56,878 ​ Certificates of deposit are issues by U.S. banks with original maturities greater than three months. Each certificate of deposit is fully FDIC-insured. The Corporation maintains cash and cash equivalents with certain financial institutions in excess of the FDIC insurance limit.

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2024
SECURITIES
SECURITIES	6. SECURITIES Amortized cost and fair value of available-for-sale debt securities at December 31, 2024 and 2023 are summarized as follows. No allowance for credit losses was recorded at December 31, 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, 2024 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ Unrealized ​ ​ ​ ​ Amortized Holding Holding Fair ​ Cost Gains Losses Value ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 8,067 ​ $ 0 ​ $ (949) ​ $ 7,118 Obligations of U.S. Government agencies ​ ​ 10,154 ​ ​ 0 ​ ​ (1,129) ​ ​ 9,025 Bank holding company debt securities ​ ​ 28,958 ​ ​ 0 ​ ​ (3,712) ​ ​ 25,246 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ 111,995 ​ ​ 238 ​ (10,931) ​ 101,302 Taxable ​ 51,147 ​ 0 ​ (8,641) ​ 42,506 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ ​ ​ Residential pass-through securities ​ 104,378 ​ 6 ​ (9,970) ​ 94,414 Residential collateralized mortgage obligations ​ 53,389 ​ 10 ​ (3,505) ​ 49,894 Commercial mortgage-backed securities ​ 73,470 ​ 0 ​ (8,969) ​ 64,501 Private label commercial mortgage-backed securities ​ ​ 8,365 ​ 9 ​ 0 ​ 8,374 Total available-for-sale debt securities ​ $ 449,923 ​ $ 263 ​ $ (47,806) ​ $ 402,380 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, 2023 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ Unrealized ​ ​ ​ ​ Amortized Holding Holding Fair ​ Cost Gains Losses Value ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 12,325 ​ $ 0 ​ $ (1,035) ​ $ 11,290 Obligations of U.S. Government agencies ​ ​ 11,119 ​ ​ 0 ​ ​ (1,173) ​ ​ 9,946 Bank holding company debt securities ​ ​ 28,952 ​ ​ 0 ​ ​ (5,452) ​ ​ 23,500 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ 113,464 ​ ​ 311 ​ (9,576) ​ 104,199 Taxable ​ 58,720 ​ 0 ​ (8,609) ​ 50,111 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ ​ Residential pass-through securities ​ 105,549 ​ 40 ​ (10,184) ​ 95,405 Residential collateralized mortgage obligations ​ 50,212 ​ 0 ​ (3,750) ​ 46,462 Commercial mortgage-backed securities ​ 76,412 ​ 0 ​ (9,730) ​ 66,682 Private label commercial mortgage-backed securities ​ ​ 8,215 ​ 0 ​ (55) ​ 8,160 Total available-for-sale debt securities ​ $ 464,968 ​ $ 351 ​ $ (49,564) ​ $ 415,755 ​ The following table presents gross unrealized losses and fair value of available-for-sale debt securities aggregated by length of time that individual securities have been in a continuous unrealized loss position at December 31, 2024 and 2023 for which an allowance for credit losses has not been recorded. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 Less Than 12 Months 12 Months or More Total (In Thousands) ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Value Losses Value Losses Value Losses Obligations of the U.S. Treasury ​ $ 0 ​ $ 0 ​ $ 7,118 ​ ​ (949) ​ $ 7,118 ​ $ (949) Obligations of U.S. Government agencies ​ ​ 0 ​ ​ 0 ​ ​ 9,025 ​ ​ (1,129) ​ ​ 9,025 ​ ​ (1,129) Bank holding company debt securities ​ ​ 0 ​ ​ 0 ​ ​ 25,246 ​ ​ (3,712) ​ ​ 25,246 ​ ​ (3,712) Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ ​ 6,581 ​ ​ (58) ​ ​ 91,316 ​ ​ (10,873) ​ ​ 97,897 ​ ​ (10,931) Taxable ​ 0 ​ ​ 0 ​ ​ 42,506 ​ ​ (8,641) ​ ​ 42,506 ​ ​ (8,641) Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential pass-through securities ​ ​ 22,777 ​ ​ (375) ​ ​ 69,282 ​ ​ (9,595) ​ ​ 92,059 ​ ​ (9,970) Residential collateralized mortgage obligations ​ 19,586 ​ ​ (156) ​ ​ 27,157 ​ ​ (3,349) ​ ​ 46,743 ​ ​ (3,505) Commercial mortgage-backed securities ​ 2,314 ​ ​ (38) ​ ​ 62,187 ​ ​ (8,931) ​ ​ 64,501 ​ ​ (8,969) Total ​ $ 51,258 ​ $ (627) ​ $ 333,837 ​ $ (47,179) ​ $ 385,095 ​ $ (47,806) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 Less Than 12 Months 12 Months or More Total (In Thousands) ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Value Losses Value Losses Value Losses Obligations of the U.S. Treasury ​ $ 0 ​ $ 0 ​ $ 11,290 ​ $ (1,035) ​ $ 11,290 ​ $ (1,035) Obligations of U.S. Government agencies ​ ​ 1,595 ​ ​ (9) ​ ​ 8,351 ​ ​ (1,164) ​ ​ 9,946 ​ ​ (1,173) Bank holding company debt securities ​ ​ 0 ​ ​ 0 ​ ​ 23,500 ​ ​ (5,452) ​ ​ 23,500 ​ ​ (5,452) Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ ​ 3,257 ​ ​ (24) ​ ​ 96,758 ​ ​ (9,552) ​ ​ 100,015 ​ ​ (9,576) Taxable ​ 0 ​ ​ 0 ​ 49,961 ​ ​ (8,609) ​ 49,961 ​ (8,609) Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential pass-through securities ​ ​ 3,334 ​ ​ (27) ​ ​ 84,297 ​ ​ (10,157) ​ ​ 87,631 ​ ​ (10,184) Residential collateralized mortgage obligations ​ 3,588 ​ ​ (2) ​ 32,808 ​ ​ (3,748) ​ 36,396 ​ (3,750) Commercial mortgage-backed securities ​ 2,327 ​ ​ (16) ​ 64,355 ​ ​ (9,714) ​ 66,682 ​ (9,730) Private label commercial mortgage-backed securities ​ ​ 8,160 ​ ​ (55) ​ ​ 0 ​ ​ 0 ​ ​ 8,160 ​ ​ (55) Total ​ $ 22,261 ​ $ (133) ​ $ 371,320 ​ $ (49,431) ​ $ 393,581 ​ $ (49,564) ​ As reflected in the table above, gross unrealized holding losses on available-for-sale debt securities totaled $47,806,000 at December 31, 2024 and $49,564,000 at December 31, 2023. At December 31, 2024, the Corporation does not have the intent to sell, nor is it more likely than not it will be required to sell, these securities before it is able to recover the amortized cost basis. The unrealized holding losses were consistent with significant increases in market interest rates that occurred subsequent to the purchase of most of the securities. At December 31, 2024 and December 31, 2023, management performed an assessment for credit losses of the Corporation’s debt securities on an issue-by-issue basis, relying on information obtained from various sources, including publicly available financial data, ratings by external agencies, brokers and other sources. At December 31, 2024 and 2023, all of the Corporation’s holdings of bank holding company debt securities, obligations of states and political subdivisions and private label commercial mortgage-backed securities were investment grade and there have been no payment defaults. Based on the results of the assessment, there was no ACL required on available-for-sale debt securities in an unrealized loss position at December 31, 2024 and 2023. Gross realized gains and losses from available-for-sale securities and the related income tax provision were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ 2024 ​ 2023 ​ 2022 Gross realized gains from sales ​ $ 0 ​ $ 89 ​ $ 48 Gross realized losses from sales ​ 0 ​ (3,125) ​ (28) Net realized (losses) gains ​ $ 0 ​ $ (3,036) ​ $ 20 Income tax provision related to net realized (losses) gains ​ $ 0 ​ $ (638) ​ $ 4 ​ The amortized cost and fair value of available-for-sale debt securities by contractual maturity are shown in the following table as of December 31, 2024. Actual maturities may differ from contractual maturities because counterparties may have the right to call or prepay obligations with or without call or prepayment penalties. ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, 2024 ​ ​ Amortized ​ Fair ​ Cost Value Due in one year or less ​ $ 5,296 ​ $ 5,252 Due from one year through five years ​ 33,440 ​ 31,113 Due from five years through ten years ​ 78,665 ​ 70,174 Due after ten years ​ 92,920 ​ 78,658 Sub-total ​ 210,321 ​ 185,197 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ Residential pass-through securities ​ 104,378 ​ 94,414 Residential collateralized mortgage obligations ​ 53,389 ​ 49,894 Commercial mortgage-backed securities ​ 73,470 ​ 64,501 Private label commercial mortgage-backed securities ​ ​ 8,365 ​ ​ 8,374 Total ​ $ 449,923 ​ $ 402,380 ​ The Corporation’s mortgage-backed securities have stated maturities that may differ from actual maturities due to borrowers’ ability to prepay obligations. Cash flows from such investments are dependent upon the performance of the underlying mortgage loans and are generally influenced by the level of interest rates. In the table above, mortgage-backed securities and collateralized mortgage obligations are shown in one period. Investment securities carried at $190,949,000 at December 31, 2024 and $232,437,000 at December 31, 2023 were pledged as collateral for public deposits, trusts and certain other deposits, as provided by law, to secure uninsured deposits totaling $144,066,000 at December 31, 2024 and $136,494,000 at December 31, 2023. See Note 11 for information concerning securities pledged to secure borrowing arrangements. Equity Securities C&N Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB-Pittsburgh), which is one of 11 regional Federal Home Loan Banks. As a member, C&N Bank is required to purchase and maintain stock in FHLB-Pittsburgh. There is no active market for FHLB-Pittsburgh stock, and it must ordinarily be redeemed by FHLB-Pittsburgh in order to be liquidated. C&N Bank’s investment in FHLB-Pittsburgh stock, included in other assets in the consolidated balance sheets, was $15,018,000 at December 31, 2024 and $15,214,000 at December 31, 2023. The Corporation evaluated its holding of FHLB-Pittsburgh stock for impairment and deemed the stock to not be impaired at December 31, 2024 and 2023. In making this determination, management concluded that recovery of total outstanding par value, which equals the carrying value, is expected. The decision was based on review of financial information that FHLB-Pittsburgh has made publicly available. In July 2023, C&N Bank became a member of the Federal Reserve System. As a member, C&N Bank is required to purchase and maintain stock in the Federal Reserve Bank of Philadelphia. There is no active market for Federal Reserve Bank stock, and it must ordinarily be redeemed by the Federal Reserve Bank of Philadelphia in order to be liquidated. C&N Bank’s investment in Federal Reserve Bank stock, included in other assets in the consolidated balance sheets, was $6,299,000 at December 31, 2024 and $6,252,000 at December 31, 2023. The Corporation’s marketable equity security, with a carrying value of $863,000 at December 31, 2024 and $871,000 at December 31, 2023 consisted exclusively of one mutual fund. There was an unrealized loss of $137,000 on the mutual fund at December 31, 2024 and $129,000 at December 31, 2023. Changes in the unrealized gains or losses on this security, which are included in other noninterest income in the consolidated statements of income, were a loss of $8,000 in 2024, a gain of $12,000 in 2023 and a loss of $112,000 in 2022. There were no sales of equity securities in 2024, 2023 and 2022.

LOANS AND ALLOWANCE FOR CREDIT

LOANS AND ALLOWANCE FOR CREDIT LOSSES	12 Months Ended
	Dec. 31, 2024
LOANS AND ALLOWANCE FOR CREDIT LOSSES
LOANS AND ALLOWANCE FOR CREDIT LOSSES	7. LOANS AND ALLOWANCE FOR CREDIT LOSSES Loans receivable at December 31, 2024 and 2023 are summarized as follows: ​ Summary of Loans by Type (In Thousands) ​ ​ ​ ​ ​ ​ ​ ​ December 31, December 31, ​ 2024 ​ 2023 Commercial real estate - non-owner occupied ​ $ 739,565 ​ $ 737,342 Commercial real estate - owner occupied ​ ​ 261,071 ​ ​ 237,246 All other commercial loans ​ ​ 423,277 ​ ​ 399,693 Residential mortgage loans ​ ​ 408,009 ​ ​ 413,714 Consumer loans ​ ​ 63,926 ​ ​ 60,144 Total ​ ​ 1,895,848 ​ ​ 1,848,139 Less: allowance for credit losses on loans ​ ​ (20,035) ​ ​ (19,208) Loans, net ​ $ 1,875,813 ​ $ 1,828,931 ​ In the table above, outstanding loan balances are presented net of deferred loan origination fees of $4,136,000 at December 31, 2024 and $4,459,000 at December 31, 2023. The Corporation grants loans to individuals as well as commercial and tax-exempt entities. Commercial, residential and personal loans are made to customers geographically concentrated in Northcentral Pennsylvania, the Southern tier of New York State, Southeastern Pennsylvania and Southcentral Pennsylvania. Although the Corporation has a diversified loan portfolio, a significant portion of its debtors’ ability to honor their contracts is dependent on the local economic conditions within the region. The following table presents an analysis of past due loans as of December 31, 2024 and 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ As of December 31, 2024 ​ ​ Past Due ​ Past Due ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-89 ​ 90+ Days ​ Nonaccrual ​ Current ​ Total ​ ​ Days ​ Still Accruing ​ Loans ​ Loans ​ Loans Commercial real estate - non-owner occupied ​ $ 266 ​ $ 0 ​ $ 7,370 ​ $ 731,929 ​ $ 739,565 Commercial real estate - owner occupied ​ 0 ​ 62 ​ 1,725 ​ 259,284 ​ 261,071 All other commercial loans ​ ​ 296 ​ ​ 0 ​ ​ 10,006 ​ ​ 412,975 ​ ​ 423,277 Residential mortgage loans ​ ​ 4,934 ​ ​ 0 ​ ​ 4,310 ​ ​ 398,765 ​ ​ 408,009 Consumer loans ​ 162 ​ 57 ​ 431 ​ 63,276 ​ 63,926 Total ​ $ 5,658 ​ $ 119 ​ $ 23,842 ​ $ 1,866,229 ​ $ 1,895,848 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ As of December 31, 2023 ​ ​ Past Due ​ Past Due ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-89 ​ 90+ Days ​ Nonaccrual ​ Current ​ Total ​ ​ Days ​ Still Accruing ​ Loans ​ Loans ​ Loans Commercial real estate - non-owner occupied ​ $ 2,215 ​ $ 126 ​ $ 8,412 ​ $ 726,589 ​ $ 737,342 Commercial real estate - owner occupied ​ 849 ​ 0 ​ 1,575 ​ 234,822 ​ 237,246 All other commercial loans ​ ​ 229 ​ ​ 2,593 ​ ​ 1,323 ​ ​ 395,548 ​ ​ 399,693 Residential mortgage loans ​ ​ 5,365 ​ ​ 326 ​ ​ 3,627 ​ ​ 404,396 ​ ​ 413,714 Consumer loans ​ ​ 617 ​ 145 ​ 240 ​ 59,142 ​ 60,144 Total ​ $ 9,275 ​ $ 3,190 ​ $ 15,177 ​ $ 1,820,497 ​ $ 1,848,139 ​ The Corporation uses an internal risk rating system. Under the risk rating system, the Corporation classifies problem or potential problem loans as “Special Mention,” “Substandard,” or “Doubtful” on the basis of currently existing facts, conditions and values. Loans that do not currently expose the Corporation to sufficient risk to warrant classification as Substandard or Doubtful, but possess weaknesses that deserve management’s close attention, are deemed to be Special Mention. Substandard loans include those characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. Loans classified as Doubtful have all the weaknesses inherent in those classified as Substandard with the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Risk ratings are updated any time that conditions or the situation warrants. Loans not classified are included in the “Pass” rows in the table that follows. ​ Residential mortgage and consumer loans are classified as Pass unless they become 90 days delinquent at which time their classification is changed to Substandard. Such loans are classified as Substandard until six consecutive on-time payments are made at which time their classification is changes back to Pass. The following table presents the amortized cost in loans by credit quality indicators by year of origination as of December 31, 2024: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Term Loans by Year of Origination ​ ​ ​ ​ ​ ​ ​ ​ 2024 ​ 2023 ​ 2022 ​ 2021 ​ 2020 ​ Prior ​ Revolving ​ Total Commercial real estate - non-owner occupied ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 59,708 ​ $ 99,900 ​ $ 161,497 ​ $ 78,884 ​ $ 51,851 ​ $ 243,578 ​ $ 0 ​ $ 695,418 Special Mention ​ 0 ​ 0 ​ 16,233 ​ 1,371 ​ 0 ​ 8,188 ​ 0 ​ 25,792 Substandard ​ ​ 116 ​ ​ 0 ​ ​ 9,928 ​ ​ 0 ​ ​ 0 ​ ​ 8,311 ​ ​ 0 ​ ​ 18,355 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total commercial real estate - non-owner occupied ​ $ 59,824 ​ $ 99,900 ​ $ 187,658 ​ $ 80,255 ​ $ 51,851 ​ $ 260,077 ​ $ 0 ​ $ 739,565 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 757 ​ $ 0 ​ $ 757 Commercial real estate - owner occupied ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 25,552 ​ $ 33,533 ​ $ 52,207 ​ $ 49,410 ​ $ 11,444 ​ $ 76,558 ​ $ 0 ​ $ 248,704 Special Mention ​ ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 961 ​ 0 ​ 961 Substandard ​ ​ 0 ​ ​ 5,125 ​ ​ 729 ​ ​ 2,367 ​ ​ 0 ​ ​ 3,185 ​ ​ 0 ​ ​ 11,406 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total commercial real estate - owner occupied ​ $ 25,552 ​ $ 38,658 ​ $ 52,936 ​ $ 51,777 ​ $ 11,444 ​ $ 80,704 ​ $ 0 ​ $ 261,071 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 All other commercial loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 73,812 ​ $ 74,301 ​ $ 44,245 ​ $ 44,367 ​ $ 23,084 ​ $ 30,656 ​ $ 109,121 ​ $ 399,586 Special Mention ​ 533 ​ 0 ​ 2,306 ​ 2 ​ 0 ​ 0 ​ 2,147 ​ 4,988 Substandard ​ ​ 44 ​ ​ 0 ​ ​ 3,478 ​ ​ 5,229 ​ ​ 109 ​ ​ 1,078 ​ ​ 8,765 ​ ​ 18,703 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total all other commercial loans ​ $ 74,389 ​ $ 74,301 ​ $ 50,029 ​ $ 49,598 ​ $ 23,193 ​ $ 31,734 ​ $ 120,033 ​ $ 423,277 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 427 ​ $ 60 ​ $ 21 ​ $ 122 ​ $ 0 ​ $ 630 Residential mortgage loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 41,450 ​ $ 48,937 ​ $ 80,789 ​ $ 50,108 ​ $ 35,601 ​ $ 146,231 ​ $ 0 ​ $ 403,116 Special Mention ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Substandard ​ ​ 0 ​ ​ 380 ​ ​ 0 ​ ​ 85 ​ ​ 82 ​ ​ 4,346 ​ ​ 0 ​ ​ 4,893 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total residential mortgage loans ​ $ 41,450 ​ $ 49,317 ​ $ 80,789 ​ $ 50,193 ​ $ 35,683 ​ $ 150,577 ​ $ 0 ​ $ 408,009 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 Consumer loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 3,859 ​ $ 3,441 ​ $ 2,848 ​ $ 1,013 ​ $ 599 ​ $ 679 ​ $ 50,860 ​ $ 63,299 Special Mention ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Substandard ​ ​ 0 ​ ​ 8 ​ ​ 4 ​ ​ 0 ​ ​ 0 ​ ​ 71 ​ ​ 544 ​ ​ 627 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total consumer loans ​ $ 3,859 ​ $ 3,449 ​ $ 2,852 ​ $ 1,013 ​ $ 599 ​ $ 750 ​ $ 51,404 ​ $ 63,926 Year-to-date gross charge-offs ​ $ 0 ​ $ 69 ​ $ 130 ​ $ 7 ​ $ 8 ​ $ 1 ​ $ 114 ​ $ 329 Total Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 204,381 ​ $ 260,112 ​ $ 341,586 ​ $ 223,782 ​ $ 122,579 ​ $ 497,702 ​ $ 159,981 ​ $ 1,810,123 Special Mention ​ 533 ​ 0 ​ 18,539 ​ 1,373 ​ 0 ​ 9,149 ​ 2,147 ​ 31,741 Substandard ​ ​ 160 ​ ​ 5,513 ​ ​ 14,139 ​ ​ 7,681 ​ ​ 191 ​ ​ 16,991 ​ ​ 9,309 ​ ​ 53,984 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total ​ $ 205,074 ​ $ 265,625 ​ $ 374,264 ​ $ 232,836 ​ $ 122,770 ​ $ 523,842 ​ $ 171,437 ​ $ 1,895,848 Year-to-date gross charge-offs ​ $ 0 ​ $ 69 ​ $ 557 ​ $ 67 ​ $ 29 ​ $ 880 ​ ​ 114 ​ $ 1,716 ​ The following table presents the amortized cost in loans by credit quality indicators by year of origination as of December 31, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans by Year of Origination ​ ​ ​ ​ ​ ​ (In Thousands) ​ 2023 ​ 2022 ​ 2021 ​ 2020 ​ 2019 ​ Prior ​ Revolving ​ Total Commercial real estate - non-owner occupied ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 96,615 ​ $ 167,484 ​ $ 89,582 ​ $ 55,390 ​ $ 80,020 ​ $ 207,017 ​ 0 ​ 696,108 Special Mention ​ ​ 0 ​ ​ 20,072 ​ ​ 2,446 ​ ​ 0 ​ ​ 116 ​ ​ 6,188 ​ ​ 0 ​ ​ 28,822 Substandard ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 18 ​ ​ 566 ​ ​ 11,828 ​ ​ 0 ​ ​ 12,412 Doubtful ​ ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Total commercial real estate - non-owner occupied ​ $ 96,615 ​ $ 187,556 ​ $ 92,028 ​ $ 55,408 ​ $ 80,702 ​ $ 225,033 ​ $ 0 ​ $ 737,342 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 Commercial real estate - owner occupied ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 33,761 ​ $ 37,429 ​ $ 52,090 ​ $ 12,858 ​ $ 17,505 ​ $ 71,775 ​ $ 0 ​ $ 225,418 Special Mention ​ ​ 104 ​ ​ 746 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 166 ​ ​ 0 ​ ​ 1,016 Substandard ​ 5,200 ​ 0 ​ 2,567 ​ 0 ​ 0 ​ 3,045 ​ 0 ​ 10,812 Doubtful ​ ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Total commercial real estate - owner occupied ​ $ 39,065 ​ $ 38,175 ​ $ 54,657 ​ $ 12,858 ​ $ 17,505 ​ $ 74,986 ​ $ 0 ​ $ 237,246 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 All other commercial loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 58,393 ​ $ 90,560 ​ $ 51,813 ​ $ 27,718 ​ $ 16,421 ​ $ 24,326 ​ $ 107,234 ​ $ 376,465 Special Mention ​ ​ 0 ​ ​ 2,690 ​ ​ 5,043 ​ ​ 8 ​ ​ 0 ​ ​ 794 ​ ​ 301 ​ ​ 8,836 Substandard ​ ​ 0 ​ 1,267 ​ 1,250 ​ 453 ​ 679 ​ 1,085 ​ 9,658 ​ 14,392 Doubtful ​ ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Total all other commercial loans ​ $ 58,393 ​ $ 94,517 ​ $ 58,106 ​ $ 28,179 ​ $ 17,100 ​ $ 26,205 ​ $ 117,193 ​ $ 399,693 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 12 ​ $ 12 Residential mortgage loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 57,300 ​ $ 87,519 ​ $ 56,183 ​ $ 39,411 ​ $ 32,401 ​ $ 135,546 ​ $ 0 ​ $ 408,360 Special Mention ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Substandard ​ ​ 0 ​ 0 ​ 0 ​ 285 ​ 369 ​ 4,700 ​ 0 ​ 5,354 Doubtful ​ ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Total residential mortgage loans ​ $ 57,300 ​ $ 87,519 ​ $ 56,183 ​ $ 39,696 ​ $ 32,770 ​ $ 140,246 ​ $ 0 ​ $ 413,714 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 33 ​ $ 0 ​ $ 33 Consumer loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 6,020 ​ $ 4,664 ​ $ 1,944 ​ $ 1,205 ​ $ 175 ​ $ 913 ​ $ 44,312 ​ $ 59,233 Special Mention ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Substandard ​ ​ 0 ​ 0 ​ 5 ​ 11 ​ 1 ​ 58 ​ 836 ​ 911 Doubtful ​ ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Total consumer loans ​ $ 6,020 ​ $ 4,664 ​ $ 1,949 ​ $ 1,216 ​ $ 176 ​ $ 971 ​ $ 45,148 ​ $ 60,144 Year-to-date gross charge-offs ​ $ 0 ​ $ 149 ​ $ 0 ​ $ 18 ​ $ 3 ​ $ 3 ​ $ 138 ​ $ 311 Total Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 252,089 ​ $ 387,656 ​ $ 251,612 ​ $ 136,582 ​ $ 146,522 ​ $ 439,577 ​ $ 151,546 ​ $ 1,765,584 Special Mention ​ 104 ​ 23,508 ​ 7,489 ​ 8 ​ 116 ​ 7,148 ​ 301 ​ 38,674 Substandard ​ ​ 5,200 ​ ​ 1,267 ​ ​ 3,822 ​ ​ 767 ​ ​ 1,615 ​ ​ 20,716 ​ ​ 10,494 ​ ​ 43,881 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total ​ $ 257,393 ​ $ 412,431 ​ $ 262,923 ​ $ 137,357 ​ $ 148,253 ​ $ 467,441 ​ $ 162,341 ​ $ 1,848,139 Year-to-date gross charge-offs ​ $ 0 ​ $ 149 ​ $ 0 ​ $ 18 ​ $ 3 ​ $ 36 ​ ​ 150 ​ $ 356 ​ The following table is a summary of the Corporation’s nonaccrual loans by major categories for the periods indicated. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ ​ Nonaccrual Loans with ​ Nonaccrual Loans ​ Total Nonaccrual ​ (In Thousands) ​ No Allowance ​ with an Allowance ​ Loans ​ Commercial real estate - non-owner occupied ​ $ 7,370 ​ $ 0 ​ $ 7,370 ​ Commercial real estate - owner occupied ​ 1,467 ​ 258 ​ 1,725 ​ All other commercial loans ​ ​ 10,006 ​ ​ 0 ​ ​ 10,006 ​ Residential mortgage loans ​ ​ 4,310 ​ ​ 0 ​ ​ 4,310 ​ Consumer loans ​ 431 ​ 0 ​ 431 ​ Total ​ $ 23,584 ​ $ 258 ​ $ 23,842 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ Nonaccrual Loans with ​ Nonaccrual Loans ​ Total Nonaccrual (In Thousands) No Allowance ​ with an Allowance ​ Loans ​ Commercial real estate - non-owner occupied ​ $ 1,111 ​ $ 7,301 ​ $ 8,412 ​ Commercial real estate - owner occupied ​ 1,281 ​ 294 ​ 1,575 ​ All other commercial loans ​ ​ 1,132 ​ ​ 191 ​ ​ 1,323 ​ Residential mortgage loans ​ ​ 3,627 ​ ​ 0 ​ ​ 3,627 ​ Consumer loans ​ 240 ​ 0 ​ 240 ​ Total ​ $ 7,391 ​ $ 7,786 ​ $ 15,177 ​ ​ The Corporation recognized $1,042,000 and $932,000 of interest income on nonaccrual loans during the years ended December 31, 2024 and 2023. The following table presents the accrued interest receivable written off by reversing interest income during the year ended December 31, 2024 and 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended ​ Year Ended (In Thousands) ​ December 31, 2024 ​ December 31, 2023 Commercial real estate - non-owner occupied ​ $ 22 ​ $ 48 Commercial real estate - owner occupied ​ 10 ​ 0 All other commercial loans ​ ​ 198 ​ ​ 0 Residential mortgage loans ​ ​ 29 ​ ​ 28 Consumer loans ​ 10 ​ 3 Total ​ $ 269 ​ $ 79 ​ The Corporation has certain loans for which repayment is dependent upon the operation or sale of collateral, as the borrower is experiencing financial difficulty. The underlying collateral can vary based upon the type of loan. The following provides more detail about the types of collateral that secure collateral dependent loans: ● Commercial real estate loans can be secured by either owner occupied commercial real estate or non-owner occupied investment commercial real estate. Typically, owner occupied commercial real estate loans are secured by office buildings, warehouses, manufacturing facilities and other commercial and industrial properties occupied by operating companies. Non-owner occupied commercial real estate loans are generally secured by office buildings and complexes, retail facilities, multifamily complexes, land under development, industrial properties, as well as other commercial or industrial real estate. ● All other commercial loans include loans typically secured by business assets including inventory, equipment and receivables. Also within this category, commercial construction and land loans and some commercial lines of credit are secured by real estate. ● Residential mortgage loans are typically secured by first mortgages, and in some cases could be secured by a second mortgage. ● Consumer loans are generally secured by automobiles, motorcycles, recreational vehicles and other personal property. Some consumer loans are unsecured and have no underlying collateral. The following table details the amortized cost of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses on these loans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ December 31, 2023 ​ ​ Amortized ​ ​ ​ Amortized ​ ​ (In Thousands) ​ Cost ​ Allowance ​ Cost ​ Allowance Commercial real estate - non-owner occupied ​ $ 7,370 ​ $ 0 ​ $ 8,412 ​ $ 648 Commercial real estate - owner occupied ​ 6,749 ​ 122 ​ 1,575 ​ 5 All other commercial loans ​ ​ 16,006 ​ ​ 0 ​ ​ 1,277 ​ ​ 90 Total ​ $ 30,125 ​ $ 122 ​ $ 11,264 ​ $ 743 ​ The following tables summarize the activity related to the ACL on loans for the years ended December 31, 2024 and 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial ​ Commercial ​ All ​ ​ ​ ​ ​ ​ ​ ​ ​ real estate - ​ real estate - ​ other ​ Residential ​ ​ ​ ​ ​ ​ nonowner ​ owner ​ commercial ​ mortgage ​ Consumer ​ ​ ​ (In Thousands) occupied ​ occupied ​ loans ​ loans ​ loans ​ Total Balance, December 31, 2023 $ 12,010 ​ $ 2,116 ​ $ 2,918 ​ $ 1,764 ​ $ 400 ​ $ 19,208 Charge-offs ​ (757) ​ ​ 0 ​ ​ (630) ​ ​ 0 ​ ​ (329) ​ ​ (1,716) Recoveries ​ 0 ​ ​ 0 ​ ​ 40 ​ ​ 6 ​ ​ 67 ​ ​ 113 Provision (credit) for credit losses on loans 711 ​ ​ 728 ​ ​ 1,033 ​ ​ (414) ​ ​ 372 ​ 2,430 Balance, December 31, 2024 $ 11,964 ​ $ 2,844 ​ $ 3,361 ​ $ 1,356 ​ $ 510 ​ $ 20,035 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial ​ Commercial ​ All ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ real estate - ​ real estate - ​ other ​ Residential ​ ​ ​ ​ ​ ​ ​ ​ nonowner ​ owner ​ commercial ​ mortgage ​ Consumer ​ ​ ​ ​ ​ (In Thousands) occupied ​ occupied ​ loans ​ loans ​ loans ​ Unallocated ​ Total Balance, December 31, 2022 $ 6,305 ​ $ 1,942 ​ $ 4,142 ​ $ 2,751 ​ $ 475 ​ $ 1,000 ​ $ 16,615 Adoption of ASU 2016-13 (CECL) ​ 3,763 ​ ​ 7 ​ ​ (88) ​ ​ (344) ​ ​ (234) ​ ​ (1,000) ​ ​ 2,104 Charge-offs ​ 0 ​ ​ 0 ​ ​ (12) ​ ​ (33) ​ ​ (311) ​ ​ 0 ​ ​ (356) Recoveries ​ 0 ​ ​ 0 ​ ​ 44 ​ ​ 11 ​ ​ 37 ​ ​ 0 ​ ​ 92 Provision (credit) for credit losses on loans 1,942 ​ ​ 167 ​ ​ (1,168) ​ ​ (621) ​ ​ 433 ​ ​ 0 ​ 753 Balance, December 31, 2023 $ 12,010 ​ $ 2,116 ​ $ 2,918 ​ $ 1,764 ​ $ 400 ​ $ 0 ​ $ 19,208 The ACL on loans individually evaluated decreased to $122,000 at December 31, 2024 from $743,000 at December 31, 2023, primarily from partial charge-offs including two loans with individual ACLs at December 31, 2023. ​ The ACL on loans collectively evaluated was $19,913,000 at December 31, 2024 and $18,465,000 at December 31, 2023. The increase in the ACL at December 31, 2024 as compared to December 31, 2023 included a net increase related to changes in qualitative adjustments and the net impact of an increase in loans receivable, partially offset by a decrease in the WARM method estimate and a decrease related to the economic forecast. ​ The ACL on loans individually evaluated was $743,000 at December 31, 2023 compared to $751,000 at January 1, 2023, upon the initial adoption of CECL. The decrease in the ACL at December 31, 2023 from January 1, 2023 included a net increase related to changes in qualitative adjustments, an increase related to the economic forecast and the net impact of an increase in loans receivable, partially offset by a decrease in the WARM method estimate. ​ Prior to the adoption of ASC 326 on January 1, 2023, the Corporation calculated the allowance for loan losses under the incurred loss methodology. The following tables are disclosed related to the allowance for loan losses in prior period of 2022. ​ ​ ​ Transactions within the allowance for loan losses, summarized by segment and class were as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ ​ ​ ​ ​ ​ ​ December 31, Year Ended December 31, 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ Provision ​ 2022 (In Thousands) ​ Balance ​ Charge-offs ​ Recoveries ​ (Credit) ​ Balance Allowance for Loan Losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 4,405 ​ $ (3,942) ​ $ 0 ​ $ 6,611 ​ $ 7,074 Commercial and industrial ​ 2,723 ​ (150) ​ 0 ​ 336 ​ 2,909 Commercial construction and land ​ 637 ​ 0 ​ 0 ​ 10 ​ 647 Loans secured by farmland ​ 115 ​ 0 ​ 0 ​ (3) ​ 112 Multi-family (5 or more) residential ​ 215 ​ 0 ​ 0 ​ 196 ​ 411 Agricultural loans ​ 25 ​ 0 ​ 0 ​ (4) ​ 21 Other commercial loans ​ 173 ​ 0 ​ 0 ​ (49) ​ 124 Total commercial ​ 8,293 ​ (4,092) ​ 0 ​ 7,097 ​ 11,298 Residential mortgage: ​ ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 3,650 ​ ​ 0 ​ ​ 4 ​ ​ (241) ​ ​ 3,413 Residential mortgage loans - junior liens ​ 184 ​ 0 ​ 0 ​ (17) ​ 167 Home equity lines of credit ​ 302 ​ 0 ​ 15 ​ (35) ​ 282 1-4 Family residential construction ​ 202 ​ 0 ​ 0 ​ 9 ​ 211 Total residential mortgage ​ 4,338 ​ 0 ​ 19 ​ (284) ​ 4,073 Consumer ​ 235 ​ (153) ​ 49 ​ 113 ​ 244 Unallocated ​ 671 ​ 0 ​ 0 ​ 329 ​ 1,000 Total Allowance for Loan Losses ​ $ 13,537 ​ $ (4,245) ​ $ 68 ​ $ 7,255 ​ $ 16,615 ​ The average balance of impaired loans and interest income recognized on impaired loans is as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ ​ ​ ​ Average Investment in ​ ​ Interest Income Recognized on ​ ​ Impaired Loans ​ ​ Impaired Loans on a Cash Basis ​ ​ Year Ended December 31, ​ ​ Year Ended December 31, ​ ​ 2022 ​ 2022 Commercial: ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 9,757 ​ $ 657 Commercial and industrial ​ ​ 2,078 ​ 210 Commercial construction and land ​ ​ 72 ​ 3 Loans secured by farmland ​ ​ 80 ​ 0 Multi-family (5 or more) residential ​ ​ 197 ​ ​ 1,156 Agricultural loans ​ ​ 60 ​ 4 Total commercial ​ ​ 12,244 ​ 2,030 Residential mortgage: ​ ​ ​ ​ ​ Residential mortgage loans - first lien ​ ​ 575 ​ ​ 24 Residential mortgage loans - junior lien ​ ​ 33 ​ 7 Home equity lines of credit ​ ​ 43 ​ 4 Total residential mortgage ​ ​ 651 ​ 35 Total ​ $ 12,895 ​ $ 2,065 ​ The increase in interest income recognized on a cash basis on impaired loans in 2022 resulted mainly from repayments received on loans that had been classified as purchased credit impaired at December 31, 2021. ​ ​ Modifications Made to Borrowers Experiencing Financial Difficulty ​ The Corporation may occasionally make modifications to loans where the borrower is experiencing financial difficulty. The following tables summarize the amortized cost basis of loans modified during the years ended December 31, 2024 and 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2024 (Dollars in Thousands) ​ Term Extension ​ ​ Amortized Cost ​ % of Total ​ ​ ​ Basis ​ Loan Type Financial Effect Commercial Real Estate - Non-owner Occupied $ 2,625 ​ ​ 0.35 % Extended the maturity of one loan for 6 months and one loan for 5 years Commercial Real Estate - Owner Occupied ​ 218 ​ ​ 0.08 % Extended the maturity of one loan for 12 months Total $ 2,843 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2023 (Dollars in Thousands) ​ Term Extension ​ ​ Amortized Cost ​ % of Total ​ ​ ​ Basis ​ Loan Type Financial Effect Commercial Real Estate - Non-owner Occupied $ 3,907 ​ ​ 0.53 % Extended the maturity of one loan for 6 months and another ​ ​ ​ ​ ​ ​ ​ ​ ​ The Corporation closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. Because the effect of most modifications made to borrowers experiencing financial difficulty is already included in the allowance for credit losses because of the measurement methodologies used to estimate the allowance, a change to the allowance for credit losses is generally not recorded upon modification. ​ The following tables present the performance of such loans that have been modified in the twelve-month period preceding December 31, 2024 and the twelve-month period preceding December 31, 2023 (in thousands): ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Payment Status (Amortized Cost Basis) December 31, 2024 Current or Past Due Less than 30 Days 90+ Days Past Due Total Commercial real estate - non-owner occupied ​ $ 2,625 ​ $ 0 ​ $ 2,625 Commercial real estate - owner occupied ​ ​ 218 ​ ​ 0 ​ ​ 218 Total ​ $ 2,843 ​ $ 0 ​ $ 2,843 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Payment Status (Amortized Cost Basis) December 31, 2023 Current or Past Due Less than 30 Days 90+ Days Past Due Total Commercial real estate - non-owner occupied ​ $ 2,526 ​ $ 1,381 ​ $ 3,907 ​ In the table immediately above, at December 31, 2024 the loan secured by owner occupied commercial real estate of $218,000 and one of the loans secured by non-owner occupied commercial real estate with an amortized cost basis of $1,814,000 were in nonaccrual status. Both of the loans included in the table at December 31, 2023 were in nonaccrual status. ​ For the loan secured by non-owner occupied real estate with an amortized cost basis of $1,814,000 at December 31, 2024, the Corporation had extended the maturity for 12 months in the fourth quarter 2023. In 2024, the borrower continued to experience financial difficulty, and the Corporation provided another six-month extension of the maturity. The Corporation recorded a partial charge-off of $640,000 on this loan in 2024. There was no specific allowance on this loan at December 31, 2024, while the specific allowance was $486,000 at December 31, 2023. The loan that was past due more than 90 days at December 31, 2023 in the table above was in default with its modified terms in 2024. The Corporation received payments totaling $48,000 in 2024, all of which were applied to principal. The amortized cost basis of the loan was $1,333,000 at December 31, 2024. ​ Except as described above, the Corporation had no commitments to lend any additional funds on modified loans during the year ended December 31, 2024 and 2023, the Corporation had no loans that defaulted during the year ended December 31, 2024 and 2023 and had been modified preceding the payment default when the borrower was experiencing financial difficulty at the time of modification ​ The carrying amount of foreclosed residential real estate properties held as a result of obtaining physical possession (included in Foreclosed assets held for sale in the consolidated balance sheets) is as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2024 ​ 2023 Foreclosed residential real estate ​ $ 25 ​ $ 47 ​ The amortized cost of consumer mortgage loans secured by residential real properties for which formal foreclosure proceedings were in process is as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2024 ​ 2023 Residential real estate in process of foreclosure ​ $ 717 ​ $ 1,227 ​ The Corporation maintains an allowance for off-balance sheet credit exposures such as unfunded balances for existing lines of credit, commitments to extend future credit, commercial letters of credit and credit enhancement obligations related to residential mortgage loans sold with recourse, when there is a contractual obligation to extend credit and when this extension of credit is not unconditionally cancellable (i.e. commitment cannot be canceled at any time). Additional information related to commitments to extend credit and standby letter of credits is provided in Note 15. The allowance for off-balance sheet credit exposures is adjusted as a provision for credit loss expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated lives. The allowance for credit losses for off-balance sheet exposures of $455,000 at December 31, 2024 and $690,000 at December 31, 2023, is included in accrued interest and other liabilities on the consolidated balance sheets. The following table presents the balance and activity in the allowance for credit losses for off-balance sheet exposures for the years ended December 31, 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended ​ Year Ended (In Thousands) ​ December 31, 2024 ​ December 31, 2023 Balance, Beginning of Period ​ $ 690 ​ $ 425 Adjustment to allowance for off-balance sheet exposures for adoption of ASU 2016-13 ​ ​ 0 ​ ​ 793 Recoveries ​ ​ 0 ​ ​ 39 Credit for unfunded commitments ​ ​ (235) ​ ​ (567) Balance, End of Period ​ $ 455 ​ $ 690 ​

BANK PREMISES AND EQUIPMENT

BANK PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2024
BANK PREMISES AND EQUIPMENT
BANK PREMISES AND EQUIPMENT	8. BANK PREMISES AND EQUIPMENT ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, ​ ​ 2024 ​ 2023 Land ​ $ 3,573 ​ $ 3,573 Buildings and improvements ​ ​ 33,623 ​ ​ 32,582 Furniture and equipment ​ ​ 14,266 ​ ​ 14,618 Construction in progress ​ ​ 186 ​ ​ 614 Total ​ ​ 51,648 ​ ​ 51,387 Less: accumulated depreciation ​ ​ (30,310) ​ ​ (29,755) Net ​ $ 21,338 ​ $ 21,632 ​ Depreciation and amortization expense is included in the following line items of the consolidated statements of income: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ 2024 ​ 2023 ​ 2022 Net occupancy and equipment expense ​ $ 2,122 ​ $ 1,915 ​ $ 2,049 Data processing and telecommunications expense ​ ​ 61 ​ ​ 236 ​ ​ 340 Total ​ $ 2,183 ​ $ 2,151 ​ $ 2,389 ​

GOODWILL AND OTHER INTANGIBLE A

GOODWILL AND OTHER INTANGIBLE ASSETS, NET	12 Months Ended
	Dec. 31, 2024
GOODWILL AND OTHER INTANGIBLE ASSETS, NET
GOODWILL AND OTHER INTANGIBLE ASSETS, NET	9. GOODWILL AND CORE DEPOSIT INTANGIBLES, NET Goodwill represents the excess of the cost of acquisitions over the fair value of the net assets acquired. There were no changes in the carrying amount of goodwill in 2024 and 2023. The balance in goodwill was $52,505,000 at December 31, 2024 and 2023. The Corporation did not complete any acquisitions in 2024 or 2023. In testing goodwill for impairment at December 31, 2024, the Corporation performed a qualitative assessment based on comparison of the Corporation’s market capitalization to its stockholders’ equity, resulting in the determination that the fair value of its reporting unit, its community banking operation, exceeded its carrying amount. Accordingly, there was no goodwill impairment at December 31, 2024. There were no goodwill impairment charges recorded in the years ended December 31, 2024, 2023 and 2022. Information related to the core deposit intangibles is as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, ​ 2024 ​ ​ 2023 Gross amount ​ $ 6,639 ​ $ 6,639 Accumulated amortization ​ (4,559) ​ ​ (4,170) Net ​ $ 2,080 ​ $ 2,469 ​ Amortization expense related to core deposit intangibles is included in other noninterest expense in the consolidated statements of income, as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Year Ended December 31, ​ ​ 2024 ​ 2023 ​ ​ 2022 Amortization expense ​ $ 389 ​ $ 408 ​ $ 439 ​ The amount of amortization expense to be recognized in each of the ensuing five years is as follows: ​ ​ ​ ​ ​ (In Thousands) ​ 2025 ​ $ 424 2026 ​ 396 2027 ​ 361 2028 ​ 304 2029 ​ 250 ​

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2024
Notes to Financial Statements
DEPOSITS	10. DEPOSITS At December 31, 2024 the scheduled maturities of time deposits are as follows: ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ 2025 ​ $ 347,705 2026 ​ ​ 110,938 2027 ​ ​ 14,523 2028 ​ ​ 7,190 2029 ​ ​ 4,001 Total ​ $ 484,357 ​ Time deposits of more than $250,000 totaled $175,447,000 at December 31, 2024 and $134,085,000 at December 31, 2023. As of December 31, 2024, the remaining maturities or time to next re-pricing of time deposits more than $250,000 was as follows: ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ Three months or less ​ $ 38,392 Over 3 months through 12 months ​ ​ 83,209 Over 1 year through 3 years ​ ​ 53,446 Over 3 years ​ ​ 400 Total ​ $ 175,447 ​

BORROWED FUNDS

BORROWED FUNDS	12 Months Ended
	Dec. 31, 2024
BORROWED FUNDS
BORROWED FUNDS	11. BORROWED FUNDS SHORT-TERM BORROWINGS Short-term borrowings (initial maturity within one year) include the following: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2024 ​ 2023 FHLB-Pittsburgh borrowings ​ $ 0 ​ $ 31,500 Customer repurchase agreements ​ 2,488 ​ 2,374 Total short-term borrowings ​ $ 2,488 ​ $ 33,874 ​ The weighted average interest rate on total short-term borrowings outstanding was 0.10% at December 31, 2024 and 5.23% at December 31, 2023. The maximum amount of total short-term borrowings outstanding at any month-end was $61,936,000 in 2024, $120,290,000 in 2023 and $90,042,000 in 2022. The Corporation had available credit with other correspondent banks totaling $75,000,000 at December 31, 2024 and at December 31, 2023. These lines of credit are primarily unsecured. No amounts were outstanding at December 31, 2024 or 2023. The Corporation has a line of credit with the Federal Reserve Bank of Philadelphia’s Discount Window. At December 31, 2024, the Corporation had available credit in the amount of $18,093,000 on this line with no outstanding advances. At December 31, 2023, the Corporation had available credit in the amount of $19,982,000 on this line with no outstanding advances. As collateral for this line, the Corporation has pledged available-for-sale securities with a carrying value of $18,881,000 at December 31, 2024 and $20,829,000 at December 31, 2023. The Corporation engages in repurchase agreements with certain commercial customers. These agreements provide that the Corporation sells specified investment securities to the customers on an overnight basis and repurchases them on the following business day. The weighted average rate paid by the Corporation on customer repurchase agreements was 0.10% at December 31, 2024 and 2023. The carrying value of the underlying securities was $2,500,000 at December 31, 2024 and $2,400,000 at December 31, 2023. The FHLB-Pittsburgh loan facility is collateralized by qualifying loans secured by real estate with a book value totaling $1,351,770,000 at December 31, 2024 and $1,323,008,000 at December 31, 2023. Also, the FHLB-Pittsburgh loan facility requires the Corporation to invest in established amounts of FHLB-Pittsburgh stock. The carrying values of the Corporation’s holdings of FHLB-Pittsburgh stock (included in other assets) were $15,018,000 at December 31, 2024 and $15,214,000 at December 31, 2023. The Corporation’s total credit facility with FHLB-Pittsburgh was $938,691,000 at December 31, 2024, including an unused (available) amount of $749,999,000. At December 31, 2023, the Corporation’s total credit facility with FHLB-Pittsburgh was $926,845,000, including an unused (available) amount of $737,824,000. At December 31, 2024, there were no outstanding short-term borrowings from FHLB-Pittsburgh. At December 31, 2023, the overnight borrowing from FHLB-Pittsburgh was $6,500,000 at an interest rate of 5.68% with short-term advances that matured in the first quarter 2024 totaling $25,000,000 with a weighted average interest rate of 5.60%. LONG-TERM BORROWINGS – FHLB ADVANCES Long-term borrowings from FHLB-Pittsburgh are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2024 ​ 2023 Loans matured in 2024 with a weighted-average rate of 3.09% ​ ​ 0 ​ ​ 32,161 Loans maturing in 2025 with a weighted-average rate of 4.30% ​ ​ 44,516 ​ ​ 44,627 Loans maturing in 2026 with a weighted-average rate of 4.61% ​ ​ 48,018 ​ ​ 35,518 Loans maturing in 2027 with a weighted-average rate of 4.24% ​ ​ 34,571 ​ ​ 24,031 Loans maturing in 2028 with a weighted-average rate of 4.30% ​ ​ 26,027 ​ ​ 2,000 Loans maturing in 2029 with a weighted-average rate of 4.42% ​ ​ 12,319 ​ ​ 0 Total long-term FHLB-Pittsburgh borrowings ​ $ 165,451 ​ $ 138,337 ​ Note: For loans maturing after 2024, weighted-average rates are presented as of December 31, 2024. SENIOR NOTES In 2021, the Corporation issued and sold $15.0 million in aggregate principal amount of 2.75% Fixed Rate Senior Unsecured Notes due 2026 (the "Senior Notes"). The Senior Notes mature on June 1, 2026 and bear interest at a fixed annual rate of 2.75%. The Corporation is not entitled to redeem the Senior Notes, in whole or in part, at any time prior to maturity and the Senior Notes are not subject to redemption by the holders. The Senior Notes are unsecured and unsubordinated obligations of the Corporation only and are not obligations of, and are not guaranteed by, any subsidiary of the Corporation. The Senior Notes were recorded, net of debt issuance costs of $337,000, at an initial carrying amount of $14,663,000. Debt issuance costs are amortized over the term of the Senior Notes as an adjustment of the effective interest rate. Amortization of debt issuance costs associated with the Senior Notes totaling $68,000 in 2024, $66,000 in 2023 and $64,000 in 2022 was included in interest expense in the consolidated statements of income. At December 31, 2024 and December 31, 2023, outstanding Senior Notes are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, December 31, ​ ​ 2024 ​ 2023 Senior Notes with an aggregate par value of $15,000,000; bearing interest at 2.75% with an effective interest rate of 3.23%; maturing in June 2026 ​ $ 14,899 ​ $ 14,831 Total carrying value ​ $ 14,899 ​ $ 14,831 ​ SUBORDINATED DEBT In 2021, the Corporation issued and sold $25.0 million in aggregate principal amount of 3.25% Fixed-to-Floating Rate Subordinated Notes due 2031 (the "Subordinated Notes"). The Subordinated Notes mature on June 1, 2031 and bear interest at a fixed annual rate of 3.25%, to June 1, 2026. From June 1, 2026 to maturity or early redemption, the interest rate will reset quarterly to an interest rate per annum equal to the three-month Secured Overnight Financing Rate provided by the Federal Reserve Bank of New York plus 259 basis points. The Corporation is entitled to redeem the Subordinated Notes, in whole or in part, at any time on or after June 1, 2026, and to redeem the Subordinated Notes at any time in whole upon certain other events. Any redemption of the Subordinated Notes will be subject to prior regulatory approval to the extent required. The Subordinated Notes are not subject to redemption at the option of the holders. The Subordinated Notes are unsecured, subordinated obligations of the Corporation only and are not obligations of, and are not guaranteed by, any subsidiary of the Corporation. The Subordinated Notes rank junior in right to payment to the Corporation's current and future senior indebtedness, including the Senior Notes (described above). The Subordinated Notes are intended to qualify as Tier 2 capital for regulatory capital purposes. The Subordinated Notes were recorded, net of debt issuance costs of $563,000, at an initial carrying amount of $24,437,000. Debt issuance costs are amortized through June 1, 2026 as an adjustment of the effective interest rate. Amortization of debt issuance costs associated with the Subordinated Notes totaling $114,000 in 2024, $110,000 in 2023, and $106,000 in 2022 was included in interest expense in the consolidated statements of income. At December 31, 2024 and 2023, outstanding subordinated debt agreements are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, December 31, ​ ​ 2024 ​ 2023 Agreements with a par value of $25,000,000; bearing interest at 3.25% with an effective interest rate of 3.74% ; maturing in June 2031 and redeemable at par in June 2026 ​ $ 24,831 ​ $ 24,717 Total carrying value ​ $ 24,831 ​ $ 24,717 ​

EMPLOYEE AND POSTRETIREMENT BEN

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS	12 Months Ended
	Dec. 31, 2024
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS	12. EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS DEFINED BENEFIT PLANS The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits and life insurance to employees who meet certain age and length of service requirements. Full-time employees no longer accrue service time toward the Corporation-subsidized portion of the medical benefits. The plan contains a cost-sharing feature which causes participants to pay for all future increases in costs related to benefit coverage. Accordingly, actuarial assumptions related to health care cost trend rates do not significantly affect the liability balance at December 31, 2024 and 2023 and are not expected to significantly affect the Corporation’s future expenses. The Corporation uses a December 31 measurement date for the postretirement plan. In an acquisition in 2007, the Corporation assumed the Citizens Trust Company Retirement Plan, a defined benefit pension plan. This plan covers certain employees who were employed by Citizens Trust Company on December 31, 2002, when the plan was amended to discontinue admittance of any future participant and to freeze benefit accruals. Information related to the Citizens Trust Company Retirement Plan has been included in the tables that follow. The Corporation uses a December 31 measurement date for this plan. The following table shows the funded status of the defined benefit plans: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Postretirement (In Thousands) 2024 ​ 2023 2024 ​ 2023 CHANGE IN BENEFIT OBLIGATION: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Benefit obligation at beginning of year ​ $ 896 ​ $ 946 ​ $ 1,013 ​ $ 935 Service cost ​ 0 ​ 0 ​ 6 ​ 54 Interest cost ​ 29 ​ 31 ​ 31 ​ 48 Plan participants' contributions ​ 0 ​ 0 ​ 118 ​ 129 Actuarial loss ​ 18 ​ 63 ​ 10 ​ 37 Gain from plan amendments ​ ​ 0 ​ ​ 0 ​ ​ (413) ​ ​ 0 Benefits paid ​ ​ (5) ​ ​ (5) ​ ​ (179) ​ ​ (190) Settlement of plan obligation ​ 0 ​ (139) ​ 0 ​ 0 Benefit obligation at end of year ​ $ 938 ​ $ 896 ​ $ 586 ​ $ 1,013 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CHANGE IN PLAN ASSETS: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value of plan assets at beginning of year ​ $ 946 ​ $ 1,001 ​ $ 0 ​ $ 0 Actual return on plan assets ​ 36 ​ 89 ​ 0 ​ 0 Employer contribution ​ 0 ​ 0 ​ 61 ​ 61 Plan participants' contributions ​ 0 ​ 0 ​ 118 ​ 129 Benefits paid ​ ​ (5) ​ ​ (5) ​ ​ (179) ​ ​ (190) Settlement of plan obligation ​ 0 ​ (139) ​ 0 ​ 0 Fair value of plan assets at end of year ​ $ 977 ​ $ 946 ​ $ 0 ​ $ 0 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Funded status at end of year ​ $ 39 ​ $ 50 ​ $ (586) ​ $ (1,013) ​ At December 31, 2024 and 2023, the following pension plan and postretirement plan liability amounts were recognized in the consolidated balance sheets: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement (In Thousands) 2024 2023 2024 2023 Accrued interest and other liabilities ​ ​ 39 ​ $ 50 ​ $ 586 ​ ​ 1,013 ​ At December 31, 2024 and 2023, the following items included in accumulated other comprehensive loss had not been recognized as components of expense: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement (In Thousands) 2024 ​ 2023 2024 ​ 2023 Prior service cost ​ $ 0 ​ $ 0 ​ $ (56) ​ $ (124) Net actuarial loss (gain) ​ 131 ​ ​ 139 ​ (486) ​ ​ (573) Total ​ $ 131 ​ $ 139 ​ $ (542) ​ $ (697) ​ For the defined benefit pension plan, amortization of the net actuarial loss is expected to be $5,000 in 2025. For the postretirement plan, effective in 2024, amendments to the plan resulted in a decrease of $413,000 in unrecognized prior service cost and a related reduction in net periodic benefit costs from curtailment of $469,000. In 2025, the net actuarial gain to be amortized as a reduction in expense is $83,000 and the estimated reduction in expense related to prior service cost is $8,000. The accumulated benefit obligation for the defined benefit pension plan was $938,000 at December 31, 2024 and $896,000 at December 31, 2023. The components of net periodic benefit costs from defined benefit plans are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement (In Thousands) 2024 ​ 2023 2022 2024 ​ 2023 2022 Service cost ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 6 ​ $ 54 ​ $ 63 Interest cost ​ 29 ​ ​ 31 ​ ​ 22 ​ 31 ​ ​ 48 ​ ​ 34 Expected return on plan assets ​ (16) ​ ​ (18) ​ ​ (35) ​ 0 ​ ​ 0 ​ ​ 0 Amortization of prior service cost ​ 0 ​ ​ 0 ​ ​ 0 ​ (12) ​ ​ (31) ​ ​ (31) Recognized net actuarial loss (gain) ​ 6 ​ ​ 11 ​ ​ 8 ​ (77) ​ ​ (36) ​ ​ (19) Effect of curtailment ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ (469) ​ ​ 0 ​ ​ 0 Settlement of plan obligation ​ ​ 0 ​ ​ 21 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total net periodic benefit cost ​ $ 19 ​ $ 45 ​ $ (5) ​ $ (521) ​ $ 35 ​ $ 47 ​ The weighted-average assumptions used to determine net periodic benefit cost are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement ​ 2024 2023 2022 2024 2023 2022 Discount rate 4.80 % 5.05 % 2.60 % 5.00 % 5.25 % 3.00 % Expected return on plan assets 5.00 % 4.22 % 5.00 % N/A N/A N/A ​ Rate of compensation increase N/A N/A N/A N/A N/A N/A ​ ​ The weighted-average assumptions used to determine benefit obligations as of December 31, 2024 and 2023 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Postretirement ​ ​ 2024 2023 2024 2023 ​ Discount rate 5.35 % 4.80 % 5.29 % 5.00 % Rate of compensation increase N/A N/A N/A N/A ​ ​ Estimated future benefit payments, including only estimated employer contributions for the postretirement plan, which reflect expected future service, are as follows: ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) Pension Postretirement 2025 ​ $ 620 ​ $ 68 2026 ​ 14 ​ 67 2027 ​ 9 ​ 59 2028 ​ 250 ​ 59 2029 ​ 8 ​ 54 2030-2034 ​ 38 ​ 233 ​ No estimated minimum contribution to the defined benefit pension plan is required in 2025, though the Corporation may make discretionary contributions. The expected return on pension plan assets is a significant assumption used in the calculation of net periodic benefit cost. This assumption reflects the average long-term rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the projected benefit obligation. The fair values of pension plan assets at December 31, 2024 and 2023 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ 2024 2023 Mutual funds invested principally in: ​ ​ ​ ​ Cash and cash equivalents 100 % 54 % Debt securities 0 % 18 % Equity securities 0 % 24 % Alternative funds 0 % 4 % Total 100 % 100 % ​ C&N Bank’s Wealth Management Department manages the investment of the pension plan assets. The Plan’s securities include mutual funds invested principally in cash and cash equivalents. The fair values of plan assets are determined based on Level 1 inputs (as described in Note 20). The Plan’s assets do not include any shares of the Corporation’s common stock. PROFIT SHARING AND DEFERRED COMPENSATION PLANS The Corporation has a profit sharing plan that incorporates the deferred salary savings provisions of Section 401(k) of the Internal Revenue Code. The Corporation’s matching contributions to the Plan depend upon the tax deferred contributions of employees. The Corporation’s total basic and matching contributions were $1,468,000 in 2024, $1,419,000 in 2023 and $1,415,000 in 2022. The Corporation has an Employee Stock Ownership Plan (ESOP). Contributions to the ESOP are discretionary, and the ESOP uses funds contributed to purchase Corporation stock for the accounts of ESOP participants. These purchases are made in the market (not directly from the Corporation), and employees are not permitted to purchase Corporation stock under the ESOP. The ESOP includes a diversification feature, which allows participants, upon reaching age 55 and 10 years of service (as defined), to sell up to 50% of their Corporation shares over a period of 6 years. As of December 31, 2024 and 2023, there were no shares allocated for repurchase by the ESOP. Dividends paid on shares held by the ESOP are charged to retained earnings. All Corporation shares owned through the ESOP are included in the calculation of weighted-average shares outstanding for purposes of calculating earnings per share – basic and diluted. The ESOP held 618,148 shares of Corporation stock at December 31, 2024, 579,567 shares at December 31, 2023 and 564,353 shares at December 31, 2022, all of which had been allocated to Plan participants. The Corporation’s contributions to the ESOP totaled $665,000 in 2024, $1,244,000 in 2023 and $1,170,000 in 2022. The Corporation has a nonqualified supplemental deferred compensation arrangement with its key officers. Charges to operating expense for officers’ supplemental deferred compensation were $223,000 in 2024, $489,000 in 2023 and $391,000 in 2022. The balance of the liability, which is included in accrued interest and other liabilities in the consolidated balance sheets, is $3,164,000 at December 31, 2024 and $3,025,000 at December 31, 2023. In connection with an acquisition, the Corporation assumed an obligation to provide a supplemental retirement benefit to a former executive. Under the terms of the agreement, the executive or his heirs will receive monthly payments totaling $1 million over a 10-year The Corporation also has a nonqualified deferred compensation plan that allows selected officers the option to defer receipt of cash compensation, including base salary and any cash bonuses or other cash incentives. This nonqualified deferred compensation plan does not provide for Corporation contributions. STOCK-BASED COMPENSATION PLANS At the Annual Meeting of Shareholders on April 20, 2023, the Citizens & Northern Corporation 2023 Equity Incentive Plan (“2023 Equity Incentive Plan”) was approved. A total of 500,000 shares of common stock may be issued under the 2023 Equity Incentive Plan. Awards may be made to participating employees and independent directors under the 2023 Equity Incentive Plan in the form of qualified options (“Incentive Stock Options,” as defined in the Internal Revenue Code), nonqualified options, restricted stock units or restricted stock, any or all of which can be granted with performance-based vesting conditions. As of December 31, 2024, 92,860 awards had been granted under this plan. Outstanding restricted stock awards granted prior to adoption of the 2023 Equity Incentive Plan, including awards made in 2023, are governed under the 1995 Stock Incentive Plan and the Independent Directors Stock Incentive Plan. The restricted stock awards in 2023 under the 1995 Stock Incentive Plan and the Independent Directors Stock Incentive Plan were the final awards under these plans. Total stock-based compensation expense is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2024 ​ 2023 2022 Restricted stock ​ $ 1,494 ​ $ 1,472 ​ $ 1,260 Stock options ​ 0 ​ ​ 0 ​ ​ 0 Total ​ $ 1,494 ​ $ 1,472 ​ $ 1,260 ​ The following summarizes non-vested restricted stock activity for the year ended December 31, 2024: ​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ Number ​ Grant Date ​ of Shares Fair Value Outstanding, December 31, 2023 110,009 ​ $ 23.44 Granted 92,860 ​ $ 20.69 Vested (62,969) ​ $ 22.97 Forfeited (2,076) ​ $ 23.37 Outstanding, December 31, 2024 137,824 ​ $ 21.80 ​ Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period, adjusted for estimated and actual forfeitures. As of December 31, 2024, there was $1,639,000 total unrecognized compensation cost related to restricted stock, which is expected to be recognized over a weighted average period of 1.5 years. In 2024 and 2023, the Corporation awarded shares of restricted stock under the Stock Incentive Plan, as follows: ​ ​ ​ ​ ​ ​ ​ 2024 2023 Time-based awards to independent directors ​ 10,000 ​ 11,000 Time-based awards to employees 63,514 31,684 Performance-based awards to employees 19,346 11,104 Total 92,860 53,788 ​ Time-based restricted stock awards granted to independent (non-employee) directors in 2024 and 2023 vest over one-year terms. Time-based restricted stock awards granted to employees in 2024 and 2023 vest ratably over three-year terms, subject to continued employment and satisfactory job performance. Performance-based restricted stock awards granted in 2024 and 2023 vest ratably over three-year terms, with vesting contingent upon meeting conditions based on the Corporation’s earnings as specified in the agreements. There were no stock options granted in 2024, 2023, or 2022. A summary of stock option activity is presented below. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 2023 ​ 2022 ​ ​ ​ ​ Weighted ​ ​ ​ Weighted ​ ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ Average ​ ​ ​ Average ​ ​ ​ ​ Exercise ​ ​ ​ Exercise ​ ​ ​ Exercise ​ Shares Price Shares Price ​ Shares Price Outstanding, beginning of year 646 ​ $ 20.45 10,564 ​ $ 20.45 24,218 ​ $ 20.01 Granted 0 ​ 0 0 ​ 0 0 ​ 0 Exercised 0 ​ ​ 0 (8,288) ​ $ 20.45 (13,654) ​ $ 19.67 Forfeited 0 ​ ​ 0 (1,630) ​ $ 20.45 0 ​ ​ 0 Expired (646) ​ $ 20.45 0 ​ ​ 0 0 ​ ​ 0 Outstanding, end of year 0 ​ $ 0 646 ​ $ 20.45 10,564 ​ $ 20.45 Options exercisable at year-end 0 ​ $ 0 646 ​ $ 20.45 10,564 ​ $ 20.45 Weighted-average fair value of options forfeited ​ ​ $ N/A ​ ​ $ 5.50 ​ ​ ​ N/A ​ There were no shares of outstanding stock options at December 31, 2024. The total intrinsic value of options exercised was $14,000 in 2023 and $76,000 in 2022. In January 2025, the Corporation granted 31,113 shares of time-based restricted stock awards and 11,848 shares of performance-based restricted stock awards under the 2023 Equity Incentive Plan. The time-based shares vest ratably over three years while the performance-based restricted stock awards vest ratably over three years, with vesting contingent upon meeting earnings-related conditions specified in agreements. The restricted stock awards made in January 2025 are not included in the tables above.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2024
Notes to Financial Statements
INCOME TAXES	13. INCOME TAXES The net deferred tax asset at December 31, 2024 and 2023 represents the following temporary difference components: ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ December 31, (In Thousands) 2024 2023 Deferred tax assets: ​ ​ ​ ​ ​ ​ Unrealized holding losses on securities ​ $ 10,459 ​ $ 10,335 Allowance for credit losses on loans ​ ​ 4,400 ​ ​ 4,230 Purchase accounting adjustments on loans ​ ​ 333 ​ ​ 470 Deferred compensation ​ 1,465 ​ 1,352 Deferred loan origination fees ​ 697 ​ 731 Operating leases liability ​ 692 ​ 787 Accrued incentive compensation ​ ​ 678 ​ ​ 463 Net operating loss carryforward ​ ​ 423 ​ ​ 541 Other deferred tax assets ​ 1,520 ​ 1,316 Total deferred tax assets ​ 20,667 ​ 20,225 ​ ​ ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ Right-of-use assets from operating leases ​ ​ 692 ​ ​ 787 Core deposit intangibles ​ 456 ​ 544 Bank premises and equipment ​ 290 ​ 291 Defined benefit plans - ASC 835 ​ 90 ​ 119 BOLI surrender ​ ​ 0 ​ ​ 950 Other deferred tax liabilities ​ ​ 41 ​ ​ 93 Total deferred tax liabilities ​ 1,569 ​ 2,784 Deferred tax asset, net ​ $ 19,098 ​ $ 17,441 ​ The provision for income taxes includes the following: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2024 ​ 2023 2022 Currently payable ​ $ 7,417 ​ $ 5,499 ​ $ 5,998 Tax expense resulting from allocations of certain tax benefits ​ 0 ​ ​ 0 ​ ​ 134 Deferred ​ (1,504) ​ ​ 836 ​ ​ (400) Total provision ​ $ 5,913 ​ $ 6,335 ​ $ 5,732 ​ A reconciliation of income tax at the statutory rate to the Corporation’s effective rate is as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 ​ 2023 ​ 2022 (Dollars In Thousands) Amount % ​ Amount % Amount % Expected provision ​ $ 6,693 21.0 ​ $ 6,401 21.0 ​ $ 6,794 21.0 Tax-exempt interest income ​ (964) (3.0) ​ (964) (3.2) ​ (1,029) (3.2) Increase in cash surrender value and other income from life insurance, net ​ (369) (1.2) ​ (586) (1.9) ​ (103) (0.3) ESOP dividends ​ (144) (0.5) ​ (143) (0.5) ​ (130) (0.4) Surrender of bank-owned life insurance ​ ​ 0 ​ 0.0 ​ ​ 950 ​ 3.1 ​ ​ 0 ​ 0.0 State income tax, net of federal benefit ​ 297 0.9 ​ 329 1.1 ​ 296 0.9 Nondeductible interest expense ​ 368 1.3 ​ 283 0.9 ​ ​ 87 ​ 0.3 Other, net ​ 32 0.1 ​ 65 0.3 ​ (183) (0.6) Effective income tax provision ​ $ 5,913 18.6 ​ $ 6,335 20.8 ​ $ 5,732 17.7 ​ The Corporation has a net operating loss (“NOL”) available to be carried forward against future federal taxable income. Availability of the NOL does not expire; however, the amount that may be offset against taxable income is limited to approximately $563,000 per year and further limited annually to no more than 80% of taxable income without regard to the NOL. At December 31, 2024, the unused amount of the NOL is $2.0 million. The Corporation has no unrecognized tax benefits, nor pending examination issues related to tax positions taken in preparation of its income tax returns. The Corporation is generally no longer subject to examination for returns prior to 2021.

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2024
Notes to Financial Statements
RELATED PARTY TRANSACTIONS	14. RELATED PARTY TRANSACTIONS Loans to executive officers, directors of the Corporation and its subsidiaries and any associates of the foregoing persons are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning New ​ Other Ending (In Thousands) Balance Loans Repayments Changes Balance 11 directors, 11 executive officers 2024 ​ $ 13,975 ​ $ 1,579 ​ ​ (2,212) ​ ​ 106 ​ $ 13,448 11 directors, 11 executive officers 2023 ​ $ 14,504 ​ $ 549 ​ $ (823) ​ $ (255) ​ $ 13,975 13 directors, 10 executive officers 2022 ​ $ 13,911 ​ $ 1,949 ​ $ (1,886) ​ $ 530 ​ $ 14,504 ​ In the table above, other changes represent net changes in the balance of existing lines of credit and transfers in and out of the related party category. Deposits from related parties held by the Corporation amounted to $12,259,000 at December 31, 2024 and $9,014,000 at December 31, 2023.

OFF-BALANCE SHEET RISK

OFF-BALANCE SHEET RISK	12 Months Ended
	Dec. 31, 2024
OFF-BALANCE SHEET RISK
OFF-BALANCE SHEET RISK	15. OFF-BALANCE SHEET RISK The Corporation is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financial needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, elements of credit, interest rate or liquidity risk in excess of the amount recognized in the consolidated balance sheets. The contract amounts of these instruments express the extent of involvement the Corporation has in particular classes of financial instruments. The Corporation’s exposure to credit loss from nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual amount of these instruments. The Corporation 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, 2024 and 2023 are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ December 31, (In Thousands) 2024 2023 Commitments to extend credit ​ $ 380,003 ​ $ 395,997 Standby letters of credit ​ 64,586 ​ 19,158 ​ Commitments to extend credit are legally binding agreements to lend to customers. Commitments generally have fixed expiration dates or other termination clauses and may require payment of fees. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future liquidity requirements. The Corporation evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Corporation, for extensions of credit is based on management’s credit assessment of the counterparty. Standby letters of credit are conditional commitments issued by the Corporation guaranteeing performance by a customer to a third party. Those guarantees are issued primarily to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. Some of the standby letters of credit are collateralized by real estate or other assets, and others are unsecured. The extent to which proceeds from liquidation of collateral would be expected to cover the maximum potential amount of future payments related to standby letters of credit is not estimable. Standby letters of credit as of December 31, 2024 expire as follows: ​ ​ ​ ​ ​ Year of Expiration (In Thousands) 2025 ​ $ 64,485 2026 ​ 25 2027 ​ ​ 48 2028 ​ ​ 28 2029 ​ ​ 0 Total ​ $ 64,586 ​ Information related to the allowance for credit losses on off-balance sheet exposures is provided in Note 7.

OPERATING LEASE COMMITMENTS AND

OPERATING LEASE COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2024
OPERATING LEASE COMMITMENTS AND CONTINGENCIES
OPERATING LEASE COMMITMENTS AND CONTINGENCIES	16. OPERATING LEASE COMMITMENTS AND CONTINGENCIES Operating Lease Commitments Operating leases in which the Corporation is the lessee are recorded as operating lease Right of Use ("ROU") assets and operating lease liabilities, included in other assets and other liabilities, respectively, on the consolidated balance sheets. The Corporation does not currently have any finance leases. Operating lease ROU assets represent the right to use an underlying asset during the lease term and operating lease liabilities represent the obligation to make lease payments arising from the lease. The Corporation leases certain branch locations, office space and equipment. All leases are classified as operating leases. Operating lease expense, which is comprised of amortization of the ROU assets and the implicit interest accreted on the operating lease liability, is recognized on a straight line basis over the remaining lease term of the operating lease. Leases with an initial term of 12 months or less are not recorded on the consolidated balance sheet and the related lease expense is recognized on a straight-line basis over the lease term. Certain leases include options to renew, with renewal terms that can extend the lease term from one At December 31, 2024, right-of-use assets of $3,151,000 were included in other assets, and the related lease liabilities totaling the same amount were included in accrued interest and other liabilities, in the consolidated balance sheets. At December 31, 2023, right of use assets and the related liabilities totaled $3,570,000. In 2024, 2023 and 2022, operating lease expenses are included in the following line item of the consolidated statements of income: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2024 ​ 2023 2022 Net occupancy and equipment expense ​ $ 666 ​ $ 644 ​ $ 599 Total ​ $ 666 ​ $ 644 ​ $ 599 ​ A maturity analysis of the Corporation’s lease liabilities at December 31, 2024 is as follows: ​ (In Thousands) Lease Payments Due ​ ​ ​ ​ ​ 2025 $ 671 2026 ​ 595 2027 ​ 518 2028 ​ 419 2029 ​ 373 Thereafter ​ 774 Total lease payments ​ 3,350 Discount on cash flows ​ (199) Total lease liabilities ​ $ 3,151 ​ Litigation Matters ​ Class Action Litigation On March 27, 2024, a putative class action lawsuit was filed in the US District Court for the Western District of Texas by investors in a purported Ponzi scheme operated by two individuals, one of whom maintained accounts at C&N Bank. The plaintiffs have sued C&N Bank, along with another bank, and additional law firm and accounting firm defendants. The case is styled Goldovsky, et al. v. Rauld, et al. Plaintiffs have asserted claims against C&N Bank and the other bank for aiding and abetting alleged violations of the Texas Securities Act, and additional claims against the legal and accounting professionals for statutory fraud, common law fraud, negligent misrepresentation, and knowing participation in breach of fiduciary duty. C&N Bank has filed motions to dismiss the case for wont of personal jurisdiction and failure to state a claim. The Plaintiffs have responded to those motions. Plaintiffs have filed an application for certification of the suit as a class action. The court has stayed the motions to dismiss pending consideration of the class action certification application. Following depositions of the four plaintiffs on issues germane to class action certification, C&N Bank and each of the other defendants have filed briefs in opposition to the plaintiff’s class certification motion. A hearing on the motion for class certification took place on February 18, 2025. A ruling on class certification is pending. Based on the information available to the Corporation, the Corporation does not believe at this time that a loss is probable in this matter, nor can a range of possible losses be determined. Accordingly, no liability has been recorded for this litigation matter in the accompanying consolidated financial statements. The Corporation’s estimate may change from time to time, and actual losses could vary. ​ In the normal course of business, the Corporation is subject to pending and threatened litigation in which claims for monetary damages are asserted. In management’s opinion, the Corporation’s financial position and results of operations would not be materially affected by the outcome of these legal proceeding.

REGULATORY MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2024
REGULATORY MATTERS
REGULATORY MATTERS	17. REGULATORY MATTERS In August 2018, the Federal Reserve Board issued an interim final rule that expanded applicability of the Board’s small bank holding company policy statement. The interim final rule raised the policy statement’s asset threshold from $1 billion to $3 billion in total consolidated assets for a bank holding company or savings and loan holding company that: (1) is not engaged in significant nonbanking activities; (2) does not conduct significant off-balance sheet activities; and (3) does not have a material amount of debt or equity securities, other than trust-preferred securities, outstanding. The interim final rule provides that, if warranted for supervisory purposes, the Federal Reserve may exclude a company from the threshold increase. Management believes the Corporation meets the conditions of the Federal Reserve’s small bank holding company policy statement and is therefore excluded from consolidated capital requirements at December 31, 2024; however, C&N Bank remains subject to regulatory capital requirements administered by the federal banking agencies. Details concerning capital ratios at December 31, 2024 and 2023 are presented below. Management believes, as of December 31, 2024, that C&N Bank meets all capital adequacy requirements to which it is subject and maintains a capital conservation buffer (described in more detail below) that allows the Bank to avoid limitations on capital distributions, including dividend payments and certain discretionary bonus payments to executive officers. The net unrealized loss on available-for-sale debt securities is not included in computing regulatory capital. For comparison purposes, the Corporation’s capital ratios are presented along with those of C&N Bank in the table below. Further, as reflected in the table below, the Corporation’s and C&N Bank’s capital ratios at December 31, 2024 and 2023 exceed the Corporation’s Board policy threshold levels. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Minimum To Maintain ​ Capitalized Under ​ Minimum To Meet ​ ​ ​ ​ ​ Capital ​ Capital Conservation ​ Prompt Corrective ​ the Corporation's ​ ​ Actual ​ Requirement Buffer at Reporting Date ​ Action Provisions ​ Policy Thresholds ​ (Dollars In Thousands) ​ Amount Ratio Amount Ratio Amount Ratio Amount Ratio Amount Ratio ​ December 31, 2024: ​ ​ ​ Total capital to risk-weighted assets: ​ ​ ​ Consolidated ​ $ 302,783 15.95 % N/A N/A N/A N/A N/A N/A ​ $ 208,779 ³11 % C&N Bank ​ 287,721 15.19 % 151,567 ³8 % 198,832 ³10.5 % 189,459 ³10 % 208,405 ³11 % Tier 1 capital to risk-weighted assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 257,462 13.56 % N/A N/A N/A N/A N/A N/A ​ 170,819 ³9 % C&N Bank ​ 267,231 14.10 % 113,675 ³6 % 161,040 ³8.5 % 151,567 ³8 % 170,513 ³9 % Common equity tier 1 capital to risk-weighted assets: ​ ​ ​ Consolidated ​ 257,462 13.56 % N/A N/A N/A N/A N/A N/A ​ 142,349 ³7.5 % C&N Bank ​ 267,231 14.10 % 85,256 ³4.5 % 132,621 ³7.0 % 123,148 ³6.5 % 142,094 ³7.5 % Tier 1 capital to average assets: ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 257,462 9.80 % N/A N/A N/A N/A N/A N/A ​ 210,160 ³8 % C&N Bank ​ 267,231 10.23 % 104,514 ³4 % N/A N/A 130,642 ³5 % 209,027 ³8 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023: ​ ​ ​ Total capital to risk-weighted assets: ​ ​ ​ Consolidated ​ $ 290,425 15.67 % N/A N/A N/A N/A N/A N/A ​ $ 203,809 ³11 % C&N Bank ​ 275,307 14.89 % 147,925 ³8 % 194,151 ³10.5 % 184,906 ³10 % 203,396 ³11 % Tier 1 capital to risk-weighted assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 245,810 13.27 % N/A N/A N/A N/A N/A N/A ​ 166,753 ³9 % C&N Bank ​ 255,409 13.81 % 110,943 ³6 % 157,170 ³8.5 % 147,925 ³8 % 166,415 ³9 % Common equity tier 1 capital to risk-weighted assets: ​ ​ ​ Consolidated ​ 245,810 13.27 % N/A N/A N/A N/A N/A N/A ​ 138,961 ³7.5 % C&N Bank ​ 255,409 13.81 % 83,208 ³4.5 % 129,434 ³7.0 % 120,189 ³6.5 % 138,679 ³7.5 % Tier 1 capital to average assets: ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 245,810 9.87 % N/A N/A N/A N/A N/A N/A ​ 199,151 ³8 % C&N Bank ​ 255,409 10.32 % 99,010 ³4 % N/A N/A 123,762 ³5 % 198,020 ³8 % ​ Federal regulatory authorities impose a capital rule providing that, to avoid limitations on capital distributions, including dividend payments and certain discretionary bonus payments to executive officers, a banking organization subject to the rule must hold a capital conservation buffer composed of common equity tier 1 capital above its minimum risk-based capital requirements. The buffer is measured relative to risk-weighted assets. At December 31, 2024, the minimum risk-based capital ratios, and the capital ratios including the capital conservation buffer, are as follows: ​ ​ ​ ​ Minimum common equity tier 1 capital ratio 4.5 % Minimum common equity tier 1 capital ratio plus capital conservation buffer 7.0 % Minimum tier 1 capital ratio 6.0 % Minimum tier 1 capital ratio plus capital conservation buffer 8.5 % Minimum total capital ratio 8.0 % Minimum total capital ratio plus capital conservation buffer 10.5 % ​ A banking organization with a buffer greater than 2.5% over the minimum risk-based capital ratios would not be subject to additional limits on dividend payments or discretionary bonus payments; however, a banking organization with a buffer less than 2.5% would be subject to increasingly stringent limitations as the buffer approaches zero. Also, a banking organization is prohibited from making dividend payments or discretionary bonus payments if its eligible retained income is negative in that quarter and its capital conservation buffer ratio was less than 2.5% as of the beginning of that quarter. Eligible net income is defined as net income for the four calendar quarters preceding the current calendar quarter, net of any distributions and associated tax effects not already reflected in net income. A summary of payout restrictions based on the capital conservation buffer is as follows: ​ ​ ​ ​ ​ Capital Conservation Buffer Maximum Payout (as a % of risk-weighted assets) ​ (as a % of eligible retained income) Greater than 2.5% No payout limitation applies ≤2.5% and >1.875% ​ 60 % ≤1.875% and >1.25% ​ 40 % ≤1.25% and >0.625% ​ 20 % ≤0.625% ​ 0 % ​ At December 31, 2024, C&N Bank’s Capital Conservation Buffer, determined based on the minimum total capital ratio, was 7.19%. Banking regulators limit the amount of dividends that may be paid by C&N Bank to the Corporation. Retained earnings against which dividends may be paid without prior approval of the banking regulators amounted to approximately $111,443,000 at December 31, 2024, subject to the minimum capital ratio requirements noted above. Restrictions imposed by federal law prohibit the Corporation from borrowing from C&N Bank unless the loans are secured in specific amounts. Such secured loans to the Corporation are generally limited to 10% of C&N Bank’s tangible stockholder’s equity (excluding accumulated other comprehensive loss) or $26,443,000 at December 31, 2024.

PARENT COMPANY ONLY

PARENT COMPANY ONLY	12 Months Ended
	Dec. 31, 2024
PARENT COMPANY ONLY
PARENT COMPANY ONLY	18. PARENT COMPANY ONLY The following is condensed financial information for Citizens & Northern Corporation: ​ ​ ​ ​ ​ ​ ​ ​ CONDENSED BALANCE SHEET Dec. 31, Dec. 31, (In Thousands) ​ 2024 ​ 2023 ASSETS ​ ​ Cash ​ $ 16,013 ​ $ 14,822 Investment in subsidiaries: ​ ​ ​ Citizens & Northern Bank ​ 285,465 ​ 272,286 Citizens & Northern Investment Corporation ​ 9,768 ​ 11,087 Bucktail Life Insurance Company ​ 3,804 ​ 3,733 Other assets ​ 136 ​ 200 TOTAL ASSETS ​ $ 315,186 ​ $ 302,128 ​ ​ ​ ​ ​ ​ ​ LIABILITIES AND STOCKHOLDERS' EQUITY ​ ​ Senior notes, net ​ $ 14,899 ​ $ 14,831 Subordinated debt, net ​ 24,831 ​ 24,717 Other liabilities ​ 172 ​ 199 Stockholders' equity ​ 275,284 ​ 262,381 TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY ​ $ 315,186 ​ $ 302,128 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CONDENSED INCOME STATEMENT AND COMPREHENSIVE INCOME (LOSS) ​ ​ ​ ​ ​ ​ (In Thousands) 2024 ​ 2023 2022 Dividends from Citizens & Northern Bank ​ $ 17,341 ​ $ 19,405 ​ $ 19,483 Dividends from Citizens & Northern Investment Corporation ​ ​ 1,500 ​ ​ 1,800 ​ ​ 0 Expenses ​ (1,644) ​ (2,003) ​ (1,695) Income before equity in undistributed income of subsidiaries ​ 17,197 ​ 19,202 ​ 17,788 Equity in undistributed income of subsidiaries ​ 8,761 ​ 4,946 ​ 8,830 NET INCOME ​ $ 25,958 ​ $ 24,148 ​ $ 26,618 COMPREHENSIVE INCOME (LOSS) ​ $ 27,634 ​ $ 35,589 ​ $ (28,286) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CONDENSED STATEMENT OF CASH FLOWS ​ ​ ​ ​ ​ (In Thousands) 2024 ​ 2023 2022 CASH FLOWS FROM OPERATING ACTIVITIES: ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 25,958 ​ $ 24,148 ​ $ 26,618 Adjustments to reconcile net income to net cash provided by operating activities: ​ ​ ​ Accretion of purchase accounting adjustment ​ ​ 0 ​ ​ 0 ​ ​ (14) Amortization of debt issuance costs ​ 182 ​ 176 ​ 170 Equity in undistributed income of subsidiaries ​ (8,761) ​ (4,946) ​ (8,830) Decrease (increase) in other assets ​ 64 ​ (167) ​ 0 (Decrease) increase in other liabilities ​ (93) ​ 97 ​ (41) Net Cash Provided by Operating Activities ​ 17,350 ​ 19,308 ​ 17,903 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CASH FLOWS FROM FINANCING ACTIVITIES: ​ ​ ​ Repayment of subordinated debt ​ 0 ​ 0 ​ (8,500) Proceeds from sale of treasury stock ​ 0 ​ 0 ​ 160 Purchase of treasury stock ​ (629) ​ (6,784) ​ (9,349) Dividends paid ​ (15,530) ​ (15,569) ​ (15,865) Net Cash Used in Financing Activities ​ (16,159) ​ (22,353) ​ (33,554) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS ​ 1,191 ​ (3,045) ​ (15,651) CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR ​ 14,822 ​ 17,867 ​ 33,518 CASH AND CASH EQUIVALENTS, END OF YEAR ​ $ 16,013 ​ $ 14,822 ​ $ 17,867 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION, ​ ​ ​ Interest paid ​ $ 1,305 ​ $ 1,234 ​ $ 1,433 ​

DERIVATIVE FINANCIAL INSTRUMENT

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2024
DERIVATIVE FINANCIAL INSTRUMENTS
DERIVATIVE FINANCIAL INSTRUMENTS	​ ​ 19. DERIVATIVE FINANCIAL INSTRUMENTS ​ The Corporation is a party to derivative financial instruments. These financial instruments consist of interest rate swap agreements and risk participation agreements (RPAs) which contain master netting and collateral provisions designed to protect the party at risk. Interest rate swaps with commercial loan banking customers were executed to facilitate their respective risk management strategies. Under the terms of these arrangements, the commercial banking customers effectively exchanged their floating interest rate exposures on loans into fixed interest rate exposures. Those interest rate swaps have been simultaneously economically hedged by offsetting interest rate swaps with a third party, such that the Corporation has effectively exchanged its fixed interest rate exposures for floating rate exposures. These derivatives are not designated as hedges and are not speculative. Rather, these derivatives result from a service provided to certain customers. As the interest rate swaps associated with this program do not meet the hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. The aggregate notional amount of interest rate swaps was $141,940,000 at December 31, 2024 and $150,028,000 at December 31, 2023. There were no interest rate swaps originated in 2024 and 2023. There were no gross amounts of interest rate swap-related assets and liabilities not offset in the consolidated balance sheets at December 31, 2024 and 2023. In 2022, there was fee income on the interest swap originated of $290,000 included in other noninterest income in the consolidated statements of income. The Corporation has entered into an RPA with another institution as a means to assume a portion of the credit risk associated with a loan structure which includes a derivative instrument, in exchange for fee income commensurate with the risk assumed. This type of derivative is referred to as an “RPA In.” In addition, in an effort to reduce the credit risk associated with an interest rate swap agreement with a borrower for whom the Corporation has provided a loan structured with a derivative, the Corporation purchased an RPA from an institution participating in the facility in exchange for a fee commensurate with the risk shared. This type of derivative is referred to as an “RPA Out.” The net impact on the consolidated statements of income from RPAs was an increase in other noninterest income of $2,000 in 2024, an increase in other noninterest income of $18,000 in 2023 and a decrease in other noninterest income of $14,000 in 2022. The Corporation did not enter into any RPAs prior to 2022. The table below presents the fair value of the Corporation’s derivative financial instruments as well as their classification on the consolidated balance sheets at December 31, 2024 and 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) At December 31, 2024 ​ At December 31, 2023 ​ Asset Derivatives ​ Liability Derivatives ​ Asset Derivatives ​ Liability Derivatives ​ Notional ​ Fair ​ Notional ​ Fair ​ Notional ​ Fair ​ Notional ​ Fair ​ Amount ​ Value (1) ​ Amount ​ Value (2) ​ Amount ​ Value (1) ​ Amount ​ Value (2) Interest rate swap agreements $ 70,970 ​ $ 2,385 ​ $ 70,970 ​ $ 2,385 ​ $ 75,014 ​ $ 2,783 ​ $ 75,014 ​ $ 2,783 RPA Out ​ 6,957 ​ ​ 2 ​ ​ 0 ​ ​ 0 ​ ​ 7,082 ​ ​ 11 ​ ​ 0 ​ ​ 0 RPA In ​ 0 ​ ​ 0 ​ ​ 9,916 ​ ​ 2 ​ ​ 0 ​ ​ 0 ​ ​ 10,000 ​ ​ 13 ​ (1) Included in other assets in the consolidated balance sheets. (2) Included in accrued interest and other liabilities in the consolidated balance sheets. The Corporation’s agreements with its derivative counterparties provide that if the Corporation defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Corporation could also be declared in default on its derivative obligations. Further, if the Corporation were to fail to maintain its status as a well or adequately capitalized institution, then the counterparties could terminate the derivative positions and the Corporation would be required to settle its obligations under the agreements. There was interest-bearing cash pledged as collateral against the Corporation’s liability related to the interest rate swaps of $1,090,000 at December 31, 2024 and $1,360,000 at December 31, 2023.

FAIR VALUE MEASUREMENTS AND FAI

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2024
FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS
FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS	20. FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS The Corporation measures certain assets at fair value. Fair value is defined as the price that would be received to sell an asset in an orderly transaction between market participants at the measurement date. FASB ASC Topic 820, “Fair Value Measurements and Disclosures” establishes a framework for measuring fair value that includes a hierarchy used to classify the inputs used in measuring fair value. The hierarchy prioritizes the inputs used in determining valuations into three levels. The level in the fair value hierarchy within which the fair value measurement falls is determined based on the lowest level input that is significant to the fair value measurement. The levels of the fair value hierarchy are as follows: Level 1 – Fair value is based on unadjusted quoted prices in active markets that are accessible to the Corporation for identical assets. These generally provide the most reliable evidence and are used to measure fair value whenever available. Level 2 – Fair value is based on significant inputs, other than Level 1 inputs, that are observable either directly or indirectly for substantially the full term of the asset through corroboration with observable market data. Level 2 inputs include quoted market prices in active markets for similar assets, quoted market prices in markets that are not active for identical or similar assets and other observable inputs. Level 3 – Fair value is based on significant unobservable inputs. Examples of valuation methodologies that would result in Level 3 classification include option pricing models, discounted cash flows and other similar techniques. The Corporation monitors and evaluates available data relating to fair value measurements on an ongoing basis and recognizes transfers among the levels of the fair value hierarchy as of the date of an event or change in circumstances that affects the valuation method chosen. Examples of such changes may include the market for a particular asset becoming active or inactive, changes in the availability of quoted prices, or changes in the availability of other market data. At December 31, 2024 and 2023, assets measured at fair value and the valuation methods used are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Quoted Prices ​ Other Observable ​ Unobservable ​ ​ ​ ​ in Active Markets ​ Inputs ​ Inputs ​ Total (In Thousands) ​ (Level 1) ​ (Level 2) ​ (Level 3) ​ Fair Value Recurring fair value measurements, assets: ​ ​ ​ ​ AVAILABLE-FOR-SALE DEBT SECURITIES: ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 7,118 ​ $ 0 ​ $ 0 ​ $ 7,118 Obligations of U.S. Government agencies ​ ​ 0 ​ ​ 9,025 ​ ​ 0 ​ ​ 9,025 Bank holding company debt securities ​ ​ 0 ​ ​ 25,246 ​ ​ 0 ​ ​ 25,246 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ Tax-exempt ​ 0 ​ 101,302 ​ 0 ​ 101,302 Taxable ​ 0 ​ 42,506 ​ 0 ​ 42,506 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ Residential pass-through securities ​ 0 ​ 94,414 ​ 0 ​ 94,414 Residential collateralized mortgage obligations ​ 0 ​ 49,894 ​ 0 ​ 49,894 Commercial mortgage-backed securities ​ 0 ​ 64,501 ​ 0 ​ 64,501 Private label commercial mortgage-backed securities ​ 0 ​ 8,374 ​ 0 ​ 8,374 Total available-for-sale debt securities ​ 7,118 ​ 395,262 ​ 0 ​ 402,380 Marketable equity security ​ 863 ​ 0 ​ 0 ​ 863 Servicing rights ​ 0 ​ 0 ​ 2,782 ​ 2,782 RPA Out ​ ​ 0 ​ ​ 2 ​ ​ 0 ​ ​ 2 Interest rate swap agreements, assets ​ ​ 0 ​ ​ 2,385 ​ ​ 0 ​ ​ 2,385 Total recurring fair value measurements, assets ​ $ 7,981 ​ $ 397,649 ​ $ 2,782 ​ $ 408,412 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Recurring fair value measurements, liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ RPA In ​ $ 0 ​ $ 2 ​ $ 0 ​ $ 2 Interest rate swap agreements, liabilities ​ ​ 0 ​ ​ 2,385 ​ ​ 0 ​ ​ 2,385 Total recurring fair value measurements, liabilities ​ $ 0 ​ $ 2,387 ​ $ 0 ​ $ 2,387 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nonrecurring fair value measurements, assets: ​ ​ ​ ​ Loans individually evaluated for credit loss, net ​ $ 0 ​ $ 0 ​ $ 136 ​ $ 136 Foreclosed assets held for sale ​ 0 ​ 0 ​ 181 ​ 181 Total nonrecurring fair value measurements, assets ​ $ 0 ​ $ 0 ​ $ 317 ​ $ 317 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Quoted Prices ​ Other Observable ​ Unobservable ​ ​ ​ ​ in Active Markets ​ Inputs ​ Inputs ​ Total (In Thousands) ​ (Level 1) ​ (Level 2) ​ (Level 3) ​ Fair Value Recurring fair value measurements, assets: ​ ​ ​ ​ AVAILABLE-FOR-SALE DEBT SECURITIES: ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 11,290 ​ $ 0 ​ $ 0 ​ $ 11,290 Obligations of U.S. Government agencies ​ ​ 0 ​ ​ 9,946 ​ ​ 0 ​ ​ 9,946 Bank holding company debt securities ​ ​ 0 ​ ​ 23,500 ​ ​ 0 ​ ​ 23,500 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ Tax-exempt ​ 0 ​ 104,199 ​ 0 ​ 104,199 Taxable ​ 0 ​ 50,111 ​ 0 ​ 50,111 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ Residential pass-through securities ​ 0 ​ 95,405 ​ 0 ​ 95,405 Residential collateralized mortgage obligations ​ 0 ​ 46,462 ​ 0 ​ 46,462 Commercial mortgage-backed securities ​ 0 ​ 66,682 ​ 0 ​ 66,682 Private label commercial mortgage-backed securities ​ 0 ​ 8,160 ​ 0 ​ 8,160 Total available-for-sale debt securities ​ 11,290 ​ 404,465 ​ 0 ​ 415,755 Marketable equity security ​ 871 ​ 0 ​ 0 ​ 871 Servicing rights ​ 0 ​ 0 ​ 2,659 ​ 2,659 RPA Out ​ ​ 0 ​ ​ 11 ​ ​ 0 ​ ​ 11 Interest rate swap agreements, assets ​ ​ 0 ​ ​ 2,783 ​ ​ 0 ​ ​ 2,783 Total recurring fair value measurements, assets ​ $ 12,161 ​ $ 407,259 ​ $ 2,659 ​ $ 422,079 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Recurring fair value measurements, liabilities, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ RPA In ​ $ 0 ​ $ 13 ​ $ 0 ​ $ 13 Interest rate swap agreements, liabilities ​ ​ 0 ​ ​ 2,783 ​ ​ 0 ​ ​ 2,783 Total recurring fair value measurements, liabilities ​ $ 0 ​ $ 2,796 ​ $ 0 ​ $ 2,796 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nonrecurring fair value measurements, assets: ​ ​ ​ ​ Loans individually evaluated for credit loss, net ​ $ 0 ​ $ 0 ​ $ 7,043 ​ $ 7,043 Foreclosed assets held for sale ​ 0 ​ 0 ​ 478 ​ 478 Total nonrecurring fair value measurements, assets ​ $ 0 ​ $ 0 ​ $ 7,521 ​ $ 7,521 ​ Level 2 valuation techniques used to measure fair value for the financial instruments in the preceding tables are as follows: ​ Available-for-sale debt securities ​ Derivative instruments - Interest rate SWAP agreements, RPA Out and RPA In Management’s evaluation and selection of valuation techniques and the unobservable inputs used in determining the fair values of assets valued using Level 3 methodologies include sensitive assumptions. Other market participants might use substantially different assumptions, which could result in calculations of fair values that would be substantially different than the amount calculated by management. The following table shows quantitative information regarding significant techniques and inputs used at December 31, 2024 and 2023 for servicing rights assets measured using unobservable inputs (Level 3 methodologies) on a recurring basis: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value at ​ ​ ​ 12/31/2024 ​ Valuation ​ Unobservable ​ ​ ​ ​ Method or Value As of Asset ​ (In Thousands) ​ Technique ​ Input(s) ​ ​ ​ ​ 12/31/2024 Servicing rights ​ $ 2,782 Discounted cash flow Discount rate ​ 13.00 % Rate used through modeling period ​ ​ ​ ​ ​ Loan prepayment speeds ​ ​ 116.00 % Weighted-average PSA ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value at ​ ​ ​ 12/31/2023 ​ Valuation ​ Unobservable ​ ​ ​ ​ Method or Value As of Asset ​ (In Thousands) ​ Technique ​ Input(s) ​ ​ ​ ​ 12/31/2023 Servicing rights ​ $ 2,659 Discounted cash flow Discount rate ​ 13.00 % Rate used through modeling period ​ ​ ​ ​ ​ Loan prepayment speeds ​ ​ 131.00 % Weighted-average PSA ​ The fair value of servicing rights is affected by expected future interest rates. Increases (decreases) in future expected interest rates tend to increase (decrease) the fair value of the Corporation’s servicing rights because of changes in expected prepayment behavior by the borrowers on the underlying loans. Following is a reconciliation of activity for Level 3 assets (servicing rights) measured at fair value on a recurring basis: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Years Ended December 31, ​ 2024 ​ 2023 2022 Servicing rights balance, beginning of period ​ $ 2,659 ​ $ 2,653 ​ $ 2,329 Originations of servicing rights ​ 287 ​ 206 ​ 198 Unrealized (loss) gain included in earnings ​ (164) ​ (200) ​ 126 Servicing rights balance, end of period ​ $ 2,782 ​ $ 2,659 ​ $ 2,653 ​ Loans are individually evaluated for credit loss when they do not share similar risk characteristics as similar loans within its loan pool. Foreclosed assets held for sale consist of real estate acquired by foreclosure. For individually evaluated loans secured by real estate and foreclosed assets held for sale, estimated fair values are determined primarily using values from third-party appraisals. Appraised values are discounted to arrive at the estimated selling price of the collateral, which is considered to be the estimated fair value. The discounts also include estimated costs to sell the property. The estimated fair value determined for individually evaluated loans secured by real estate and foreclosed assets held for sale used unobservable inputs (Level 3 methodologies). At December 31, 2024 and 2023, quantitative information regarding significant techniques and inputs used for nonrecurring fair value measurements using unobservable inputs (Level 3 methodologies) are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars In Thousands) ​ ​ ​ ​ Range (Weighted ​ ​ ​ ​ ​ Valuation ​ ​ ​ ​ ​ Average) ​ ​ Balance at ​ Allowance at ​ Fair Value at ​ Valuation ​ Unobservable ​ Discount at Asset ​ 12/31/2024 ​ 12/31/2024 ​ 12/31/2024 ​ Technique ​ Inputs ​ 12/31/2024 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans individually evaluated for credit loss: ​ ​ ​ ​ ​ Commercial real estate - owner occupied ​ $ 258 ​ $ 122 ​ $ 136 ​ Sales comparison & SBA guaranty ​ Discount to appraised value ​ % Total loans individually evaluated for credit loss ​ $ 258 ​ $ 122 ​ $ 136 ​ ​ ​ Foreclosed assets held for sale - real estate: ​ ​ ​ ​ ​ ​ ​ Residential (1-4 family) ​ $ 25 ​ $ 0 ​ $ 25 Sales comparison Discount to appraised value ​ 62% % Commercial real estate ​ ​ 156 ​ ​ 0 ​ ​ 156 ​ Sales comparison ​ Discount to appraised value ​ 18%-77% % Total foreclosed assets held for sale ​ $ 181 ​ $ 0 ​ $ 181 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars In Thousands) ​ ​ ​ ​ Range (Weighted ​ ​ ​ ​ ​ Valuation ​ ​ ​ ​ ​ Average) ​ ​ Balance at ​ Allowance at ​ Fair Value at ​ Valuation ​ Unobservable ​ Discount at Asset ​ 12/31/2023 ​ 12/31/2023 ​ 12/31/2023 ​ Technique ​ Inputs ​ 12/31/2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans individually evaluated for credit loss: ​ ​ ​ ​ ​ Commercial real estate - non-owner occupied ​ $ 7,301 ​ $ 648 ​ $ 6,653 Sales comparison Discount to appraised value ​ ( % Commercial real estate - owner occupied ​ ​ 294 ​ ​ 5 ​ ​ 289 ​ Sales comparison & SBA guaranty ​ Discount to appraised value ​ % All other commercial loans ​ ​ 191 ​ ​ 90 ​ ​ 101 ​ Liquidation & SBA guaranty ​ Discount to appraised value ​ ( % Total loans individually evaluated for credit loss ​ $ 7,786 ​ $ 743 ​ $ 7,043 ​ ​ Foreclosed assets held for sale - real estate: ​ ​ ​ ​ ​ ​ Residential (1-4 family) ​ $ 47 ​ $ 0 ​ $ 47 Sales comparison Discount to appraised value ​ 20%-62% ( % Commercial real estate ​ ​ 431 ​ ​ 0 ​ ​ 431 ​ Sales comparison ​ Discount to appraised value ​ 18%-50% % Total foreclosed assets held for sale ​ $ 478 ​ $ 0 ​ $ 478 ​ ​ ​ ​ Certain of the Corporation’s financial instruments are not measured at fair value in the consolidated financial statements. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. Certain financial instruments and all nonfinancial instruments are excluded from disclosure requirements. Therefore, the aggregate fair value amounts presented may not represent the underlying fair value of the Corporation. The estimated fair values, and related carrying amounts, of the Corporation’s financial instruments that are not recorded at fair value are as follows: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Fair Value ​ December 31, 2024 ​ December 31, 2023 ​ ​ Hierarchy ​ Carrying ​ Fair ​ Carrying ​ Fair ​ Level Amount Value Amount Value Financial assets: ​ ​ ​ ​ Cash and cash equivalents Level 1 ​ $ 123,574 ​ $ 123,574 ​ $ 52,778 ​ $ 52,778 Certificates of deposit Level 2 ​ 2,600 ​ 2,513 ​ 4,100 ​ 3,859 Restricted equity securities (included in other assets) Level 2 ​ 21,567 ​ N/A ​ 21,716 ​ N/A Loans, net Level 3 ​ 1,875,813 ​ 1,789,044 ​ 1,828,931 ​ 1,750,336 Accrued interest receivable Level 2 ​ 8,735 ​ 8,735 ​ 9,140 ​ 9,140 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ ​ ​ ​ Deposits with no stated maturity Level 2 ​ 1,609,552 ​ 1,609,552 ​ 1,590,357 ​ 1,590,357 Time deposits Level 2 ​ 484,357 ​ ​ 484,900 ​ 424,449 ​ ​ 423,643 Short-term borrowings Level 2 ​ 2,488 ​ ​ 2,488 ​ 33,874 ​ ​ 33,874 Long-term borrowings - FHLB advances Level 2 ​ 165,451 ​ ​ 165,616 ​ 138,337 ​ ​ 137,775 Senior notes, net ​ Level 2 ​ ​ 14,899 ​ ​ 13,579 ​ ​ 14,831 ​ ​ 12,706 Subordinated debt, net ​ Level 2 ​ ​ 24,831 ​ ​ 21,051 ​ ​ 24,717 ​ ​ 22,750 Accrued interest payable Level 2 ​ 1,771 ​ 1,771 ​ 1,525 ​ 1,525 ​

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Dec. 31, 2024
SEGMENT REPORTING
Segment Reporting Disclosure [Text Block]	21. SEGMENT REPORTING The Corporation’s one reportable segment is determined by the President and Chief Executive Officer, who is the designated chief operating decision maker, based upon information provided about the Corporation’s products and services offered, primarily community banking operations. The chief operating decision maker uses consolidated net income to assess performance by comparing to and monitoring against budget and prior year results. In addition, the chief operating decision maker uses the consolidated net income to benchmark the Corporation against its competitors. This information is used to manage resources to drive business and net earnings growth, including investment in key strategic priorities, as well as determine the Corporation's ability to return capital to shareholders. Loans, investments, deposits and assets held in a fiduciary or custodial capacity provide the revenues in the banking operation. Interest expense, provisions for credit losses, and payroll provide the significant expenses in the banking operation. All operations are domestic. Accounting policies for segments are the same as those described in Note 1. Segment performance is evaluated using consolidated net income. ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (In Thousands) ​ 2024 ​ 2023 ​ 2022 Interest income ​ $ 128,078 ​ $ 113,504 ​ $ 92,647 Interest expense ​ 48,963 ​ 33,104 ​ 9,519 Net interest income ​ 79,115 ​ ​ 80,400 ​ ​ 83,128 Provision for credit losses ​ 2,195 ​ ​ 186 ​ ​ 7,255 Net interest income after provision for credit losses ​ 76,920 ​ ​ 80,214 ​ ​ 75,873 Other income: ​ ​ ​ ​ ​ ​ ​ ​ Other income ​ ​ 29,209 ​ ​ 27,453 ​ ​ 24,412 Realized (losses) gains on available-for-sale debt securities, net ​ 0 ​ ​ (3,036) ​ ​ 20 Total other income ​ 29,209 ​ ​ 24,417 ​ ​ 24,432 Other Expense: ​ ​ ​ ​ ​ ​ ​ ​ Salaries and employee benefits ​ 44,930 ​ ​ 44,195 ​ ​ 41,833 Other segment expenses (1) ​ 29,328 ​ ​ 29,953 ​ ​ 26,122 Total noninterest expense ​ ​ 74,258 ​ ​ 74,148 ​ ​ 67,955 Income before income tax provision ​ ​ 31,871 ​ ​ 30,483 ​ ​ 32,350 Income tax provision ​ 5,913 ​ ​ 6,335 ​ ​ 5,732 NET INCOME ​ $ 25,958 ​ $ 24,148 ​ $ 26,618 (1) Other segment expenses included expenses for professional fees, data processing and telecommunicates, occupancy and Pennsylvania shares tax. The Corporation’s segment assets represent the total assets as presented on the Consolidated Balance Sheets at December 31, 2024 and 2023. ​ ​ ​ ​ ​ ​ ​ ​

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pay vs Performance Disclosure
Net Income (Loss)	$ 25,958	$ 24,148	$ 26,618

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Insider Trading Policies and Pr

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

Cybersecurity Risk Management a

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
	Dec. 31, 2024
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	The Corporation has invested in accepted technologies, and continually reviews processes and practices that are designed to protect our networks, computers and data from damage or unauthorized access, and maintains an information security risk insurance policy. On an on-going basis the Corporation assesses its cyber security procedures and controls and performs network penetration tests on at least an annual basis. All employees receive monthly information security awareness training. Cybersecurity risk includes exposure to failures or interruptions of service or security breaches resulting from malicious technological attacks that impact the confidentiality, integrity, or availability of our or third parties’ operations, systems, or data.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	The Corporation’s cybersecurity risk management program is designed to assess, identify, and manage material risks from cybersecurity threats and is an integral part of the overall risk management program. Cybersecurity risk includes exposure to failures or interruptions of service or security breaches resulting from malicious technological attacks that impact the confidentiality, integrity, or availability of our or third parties’ operations, systems, or data.
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 Board of Directors Oversight [Text Block]	The Board of Directors provides oversight of the risk management program and setting the Corporation’s cyber risk profile, which includes risks from cybersecurity threats, enterprise cyber strategy, and key cyber initiatives . The Board has appointed a Risk Management Committee currently made up of six members of the Board with governance and oversight of the Corporation’s enterprise-wide risk management program. The members of the Risk Management Committee collectively have years of business management and professional experience in the banking industry and other industries including exposure to cyber risk management considerations. The Board also meets with our internal and external auditors, and federal and state regulators to review and discuss reports on risk, examination, and regulatory compliance matters. In fulfilling its role, the Risk Management Committee is actively engaged with management regarding cyber security procedures and controls to manage and mitigate cybersecurity-related risks. Management provides at least quarterly information security reports to the Risk Management Committee who provides a report to the Board of its discussions and decisions. These reports to the Risk Management Committee address management’s efforts to monitor, detect and prevent cyber threats. In addition, the Board of Directors is engaged, as needed, in accordance with the Incident Response Plan.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	Risk Management Committee
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	The members of the Risk Management Committee collectively have years of business management and professional experience in the banking industry and other industries including exposure to cyber risk management considerations. The Board also meets with our internal and external auditors, and federal and state regulators to review and discuss reports on risk, examination, and regulatory compliance matters. In fulfilling its role, the Risk Management Committee is actively engaged with management regarding cyber security procedures and controls to manage and mitigate cybersecurity-related risks. Management provides at least quarterly information security reports to the Risk Management Committee who provides a report to the Board of its discussions and decisions. These reports to the Risk Management Committee address management’s efforts to monitor, detect and prevent cyber threats. In addition, the Board of Directors is engaged, as needed, in accordance with the Incident Response Plan.
Cybersecurity Risk Role of Management [Text Block]	The Corporation has an information security program that is primarily managed by the Information Security Department, which is led by the Chief Risk Management Officer and the Director of Information Security and supported by the Information Technology Operations Department, which is led by the Chief Information Officer. The Information Security Department is led by the Director of Information Security, and is responsible for day-to-day management of the information security program including system monitoring, vulnerability scans, employee security training including phishing exercises, security controls, and building strong relationships with security vendors. The Chief Risk Management Officer, the Chief Information Officer, the Director of Information Security and the other members of the Information Security Department are qualified by years of experience, post-secondary education, industry certifications and regular continuing education. A network penetration test and vulnerability assessment are performed at a minimum annually by a third-party vendor. The Information Security Committee is the management committee responsible for the oversight of the Information Security Program and is also responsible for policy development and information security risk assessment. This committee meets at least quarterly to discuss and review the information security program. The Information Security Program is updated at least annually and the Board of Directors, with input from the Risk Management Committee, approves all material changes.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	Chief Risk Management Officer and the Director of Information Security
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	The Chief Risk Management Officer, the Chief Information Officer, the Director of Information Security and the other members of the Information Security Department are qualified by years of experience, post-secondary education, industry certifications and regular continuing education. A network penetration test and vulnerability assessment are performed at a minimum annually by a third-party vendor. The Information Security Committee is the management committee responsible for the oversight of the Information Security Program and is also responsible for policy development and information security risk assessment. This committee meets at least quarterly to discuss and review the information security program. The Information Security Program is updated at least annually and the Board of Directors, with input from the Risk Management Committee, approves all material changes.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	The Corporation has an Incident Response Plan that provides a documented guideline for handling potential threats and taking appropriate measures including timely notification and escalation to executive leadership and the Board of Directors. The Incident Response Plan is managed by the Incident Response Team which includes the Director of Information Security, Chief Risk Management Officer, Chief Information Officer, and other essential members of management. The Incident Response Plan is reviewed and tested at least annually
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

NATURE OF OPERATIONS AND SUMM_2

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2024
Accounting Policies [Abstract]
BASIS OF CONSOLIDATION	BASIS OF CONSOLIDATION –
NATURE OF OPERATIONS	NATURE OF OPERATIONS – The Corporation provides banking and related services to individual and corporate customers. Lending products include commercial, mortgage and consumer loans, as well as specialized instruments such as commercial letters-of-credit. Deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, Individual Retirement Accounts and certificates of deposit. The Corporation provides wealth management services through its trust department, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services. The Corporation offers a variety of personal and commercial insurance products through C&N Financial Services, LLC. C&N Financial Services, LLC also offers mutual funds, annuities, educational savings accounts and other investment products through registered agents. The Corporation conducts its operations through one reportable segment. All of the Corporation’s activities are interrelated, and each activity is dependent and assessed based on how each of the activities of the Corporation supports the others. See Note 21 Segment Reporting for additional information. The Corporation is subject to competition from other financial institutions. It is also subject to regulation by certain federal and state agencies and undergoes periodic examination by those regulatory authorities.
USE OF ESTIMATES	USE OF ESTIMATES – Material estimates that are particularly susceptible to change include the allowance for credit losses.
INVESTMENT SECURITIES	INVESTMENT SECURITIES – Available-for-sale debt securities – A debt security is placed on nonaccrual status at the time any principal or interest payments become over 90 days delinquent. Interest accrued but not received for a security placed on nonaccrual is reversed against interest income. Allowance for Credit Losses- Available-for-Sale Debt Securities – Changes in the allowance for credit losses are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance for credit losses when management believes an available-for-sale debt security is confirmed to be uncollectible or when either of the criteria regarding intent or requirement to sell is met. At December 31, 2024 and 2023, there was no allowance for credit losses related to the available-for-sale portfolio. Accrued interest receivable on available-for-sale debt securities totaled $1,964,000 and $2,018,000 at December 31, 2024 and 2023 and was excluded from the estimate of credit losses. Marketable equity security Restricted equity securities
DERIVATIVES	DERIVATIVES – Interest rate swaps with commercial banking customers were executed to enable the commercial banking customers to effectively exchange their floating interest rate exposures on loans into fixed interest rate exposures. Those interest rate swaps have been simultaneously economically hedged by offsetting interest rate swaps with a third party such that the Corporation has effectively exchanged its fixed interest rate exposures for floating rate exposures. These derivatives are not designated as hedges and are not speculative. Changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. Interest differentials paid or received under the swap agreements are reflected as adjustments to interest and fees on loans in the consolidated statements of income. The fair value of interest rate derivatives is included in the balance of other assets and other liabilities in the consolidated balance sheets. The Corporation has entered into an RPA with another institution as a means to assume a portion of the credit risk associated with a loan structure which includes a derivative instrument, in exchange for fee income commensurate with the risk assumed. This type of derivative is referred to as an “RPA In.” The fair value of the RPA In is included in accrued interest and other liabilities in the consolidated balance sheets. In an effort to reduce the credit risk associated with an interest rate swap agreement with a borrower for whom the Corporation has provided a loan structured with a derivative, the Corporation purchased an RPA from an institution participating in the facility in exchange for a fee commensurate with the risk shared. This type of derivative is referred to as an “RPA Out.” The fair value of the RPA Out is included in other assets in the consolidated balance sheets. Fees paid and received associated with RPAs, as well as changes in fair value of the related derivatives, are included in other noninterest income in the consolidated statements of income.
LOANS HELD FOR SALE	LOANS HELD FOR SALE –
LOANS RECEIVABLE	LOANS RECEIVABLE – Loans are placed on nonaccrual status for all classes of loans when, in the opinion of management, collection of interest is doubtful. Any unpaid interest previously accrued on those loans is reversed from income. Interest payments received on loans for which the risk of loss is greater than remote are applied as a reduction of the loan principal balance. Interest income on other nonaccrual loans is recognized only to the extent of interest payments received. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt. The past due status of loans receivable is determined based on contractual due dates for loan payments. Also, the amortization of deferred loan fees is discontinued when a loan is placed on nonaccrual status. Loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful.
PURCHASED LOANS	PURCHASED LOANS –
ALLOWANCE FOR LOAN LOSSES	ALLOWANCE FOR CREDIT LOSSES ON LOANS – The allowance for credit losses is a valuation account that is deducted from the loans' 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 uncollectibility of a loan balance is confirmed. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. The allowance for credit losses represents management’s estimate of lifetime credit losses inherent in loans as of the consolidated balance sheet date. The allowance for credit losses is estimated by management using relevant available information, from both internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. ​ Accrued interest receivable on loans totaled $6,680,000 and $7,099,000 at December 31, 2024 and 2023 and was excluded from the estimate of credit losses. ​ The allowance for credit losses (“ACL”) includes two primary components: (i) an allowance established on loans which share similar risk characteristics collectively evaluated for credit losses (collective basis), and (ii) an allowance established on loans which do not share similar risk characteristics with any loan segment and which are individually evaluated for credit losses (individual basis). ​ Evaluation of Expected Losses on Individual Loans ​ Loans evaluated on an individual basis are identified based on a detailed assessment of certain larger loan relationships, and their related credit risk ratings, by a management committee referred to as the Watch List Committee. The scope of loans discussed by the Watch List Committee each quarter includes all commercial loan relationships greater than $200,000 and any residential mortgage or consumer loans of $400,000 or more for which there is at least one extension of credit graded Special Mention, Substandard or Doubtful. ​ Based on the results of the Watch List analysis, certain loans are evaluated individually for credit loss . ​ Collective Evaluation of Expected Losses – Pool Basis ​ The Corporation measures expected credit losses for loans on a pooled basis when similar risk characteristics exist. The Corporation has identified the following portfolio segments and calculates the allowance for credit losses for each using the weighted-average remaining maturity (“WARM”) method: ​ ​ Commercial real estate - nonowner occupied, further broken down into the following classes: Non-owner occupied Multi-family (5 or more) residential 1-4 Family - commercial purpose Commercial real estate - owner occupied All other commercial loans, further broken down into the following classes: Commercial and industrial Commercial lines of credit Political subdivisions Commercial construction and land Other commercial loans Residential mortgage loans, further broken down into the following classes: 1-4 Family – residential 1-4 Family residential construction Consumer loans, further broken down into the following classes: Consumer lines of credit (including HELOCs) All other consumer ​ In determining the pools for collective evaluation, management uses a combination of loan purpose, collateral and payment type (for example, lines of credit vs. amortizing). The pools identified are similar to the loan classes that were used in the Corporation’s financial reporting for several years prior to CECL adoption, with several exceptions including the following which are of the most significant: ​ ● Commercial real estate secured loans are broken out between non-owner occupied and owner-occupied ● Loans secured by 1-4 family residential mortgages are broken out between consumer-purpose and commercial-purpose ● Commercial lines of credit are broken out as an individual category ​ Each of these changes was made to better sort loans into pools with similar risk and cash flow characteristics. ​ A summary of risk characteristics by portfolio segment is as follows: Commercial real estate - non-owner occupied- Commercial real estate - owner-occupied - All other commercial loans- Residential mortgage loans - Consumer loans - ​ Estimation Method - WARM (Weighted-Average Remaining Maturity Method) ​ In applying the WARM method, for each pool identified above, the Corporation determines the annual net charge-offs as a percentage of average total loan balances (net charge-off percentage). For each loan pool, the average annualized net charge-off percentage is multiplied by the estimated weighted-average remaining average life of the loans to calculate the loss rate. ​ The calculation of the estimated weighted-average remaining life of each loan pool is based on instrument-level data, with contractual principal payments adjusted for the estimated impact of prepayments. Commercial lines of credit and other revolving credit facilities are generally assumed to be repaid after 1 year . The estimated weighted-average remaining life of the entire portfolio was calculated to be 4.04 years at December 31, 2024, 4.48 years at December 31, 2023 and 4.36 years at January 1, 2023. ​ Qualitative Factors ​ The allowance for credit losses calculation includes subjective adjustments for qualitative risk factors that are deemed likely to cause estimated credit losses to differ from historical experience. These qualitative adjustments generally increase allowance levels and include adjustments for factors deemed relevant, including: the nature and volume of portfolio changes, including loan portfolio growth; concentrations of credit based on loan type (such as non-owner occupied commercial real estate) or industry; the volume and severity of past due, nonaccrual or adversely classified loans; trends in real estate or other collateral values; lending policies and procedures, including changes in underwriting and collections practices; credit review function; lending, credit and other relevant management experience and risk tolerance; external factors and economic conditions not already captured. ​ Economic Forecast ​ ASC 326 requires management to consider forward-looking information that is both reasonable and supportable and relevant to the collectability of cash flows. Reasonable and supportable forecasts may extend over the entire contractual term of a financial asset or a period shorter than the contractual term. In that regard, management has selected a forecast period of 2 years , which is shorter than the estimated weighted-average remaining life of the loan portfolio. ​ The Corporation calculates an additional expected credit loss based the high correlation between past loss experience and the U.S national unemployment rate. This additional credit loss is added to the allowance calculation, conceptually for the first 2 years of the weighted-average remaining life of the portfolio after which time the credit loss for each pool is determined based on the WARM historical loss rate as adjusted for qualitative factors.
ALLOWANCE FOR CREDIT LOSSES ON OFF-BALANCE SHEET EXPOSURES	ALLOWANCE FOR CREDIT LOSSES ON OFF-BALANCE SHEET EXPOSURES Financial instruments include off-balance sheet credit instruments, such as commitments to make loans, commercial letters of credit and credit enhancement obligations related to residential mortgage loans sold with recourse. The Corporation’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for off-balance sheet loan commitments is represented by the contractual amount of those instruments. Such financial instruments are recorded when they are funded. The Corporation records an allowance for credit losses on off-balance sheet credit exposures, unless the commitments to extend credit are unconditionally cancelable, through a charge to provision for unfunded commitments in the Corporation’s consolidated statements of income. The allowance for credit losses on off-balance sheet credit exposures is estimated by loan segment at each consolidated balance sheet date under the current expected credit loss model using the same methodologies as portfolio loans, taking into consideration the likelihood that funding will occur as well as any third-party guarantees. The allowance for off-balance sheet exposures is included in accrued interest and other liabilities in the Corporation’s consolidated balance sheets and the related credit expense is recorded in the provision for credit losses in the consolidated statements of income.
BANK PREMISES AND EQUIPMENT	BANK PREMISES AND EQUIPMENT – 3 3
IMPAIRMENT OF LONG-LIVED ASSETS	IMPAIRMENT OF LONG-LIVED ASSETS –
FORECLOSED ASSETS HELD FOR SALE	FORECLOSED ASSETS HELD FOR SALE –
GOODWILL	GOODWILL –
CORE DEPOSIT INTANGIBLES	CORE DEPOSIT INTANGIBLES –
SERVICING RIGHTS	SERVICING RIGHTS
INCOME TAXES	INCOME TAXES
STOCK COMPENSATION PLANS	STOCK-BASED COMPENSATION
TREASURY STOCK	TREASURY STOCK – .
OFF-BALANCE SHEET FINANCIAL INSTRUMENTS	OFF-BALANCE SHEET FINANCIAL INSTRUMENTS –
CASH FLOWS	CASH FLOWS –
REVENUE RECOGNITION	REVENUE RECOGNITION – Additional disclosures related to the Corporation’s largest sources of noninterest income within the consolidated statements of income from contracts with customers that are subject to ASC Topic 606 are as follows: Trust revenue – The majority (approximately 81%, based on annual 2024 results) of trust revenue is earned and collected monthly, with the amount determined based on a percentage of the fair value of the trust assets under administration. Wealth management fees are contractually agreed with each customer, and fee levels vary based mainly on the size of assets under administration. The services provided under such a contract represent a single performance obligation under ASC 606 because it embodies a series of distinct goods or services that are substantially the same and have the same pattern of transfer to the customer. None of the contracts with trust customers provide for incentive-based fees. In addition to wealth management fees, trust revenue includes fees for provision of services, including employee benefit plan administration, tax return preparation and estate planning and settlement. Fees for such services are billed based on contractual arrangements or established fee schedules and are typically billed upon completion of providing such services. The costs of acquiring trust customers are incremental and recognized within noninterest expense in the consolidated statements of income. Brokerage and insurance revenue- Service charges on deposit accounts Interchange revenue from debit card transactions – Bank-Owned Life Insurance- Transfer of Financial Assets -

RECENT ACCOUNTING PRONOUNCEME_2

RECENT ACCOUNTING PRONOUNCEMENTS (Policies)	12 Months Ended
	Dec. 31, 2024
RECENT ACCOUNTING PRONOUNCEMENTS
RECENT ACCOUNTING PRONOUNCEMENTS	The Financial Accounting Standards Board (FASB) issues Accounting Standard Updates (ASUs) to communicate changes to the FASB Accounting Standard Codification (ASC). This section provides a summary description of recent ASUs that have significant implications (elected or required) within the consolidated financial statements, or that management expects may have a significant impact on financial statements issued in the foreseeable future. On January 1, 2023, the Corporation adopted ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (ASC 326). This standard replaced the incurred loss methodology with an expected loss methodology that is referred to as the current expected credit loss (“CECL”) methodology. The Corporation adopted ASC 326 using the modified retrospective approach for all financial assets measured at amortized cost and off-balance sheet credit exposures. The following table illustrates the impact on the allowance for credit losses from the adoption of ASC 326: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As Reported ​ ​ ​ ​ Under ​ Pre-ASC 326 ​ Impact of ​ ​ ASC 326 ​ Adoption ​ ASC 326 (In Thousands) ​ January 1, 2023 ​ December 31, 2022 ​ Adoption Loans receivable ​ $ 1,740,846 ​ $ 1,740,040 ​ $ 806 Allowance for credit losses on loans ​ ​ 18,719 ​ ​ 16,615 ​ ​ 2,104 Allowance for credit losses on off-balance sheet exposures (included in accrued interest and other liabilities) ​ ​ 1,218 ​ ​ 425 ​ ​ 793 Deferred tax asset, net ​ ​ 21,323 ​ ​ 20,884 ​ ​ 439 Retained earnings ​ ​ 150,091 ​ ​ 151,743 ​ ​ (1,652) ​ In November of 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures Recently Issued but Not Yet Effective Accounting Pronouncements In , - , improves the transparency of income tax disclosures by requiring (1) consistent categories and greater disaggregation of information in the rate reconciliation and (2) income taxes paid disaggregated by jurisdiction. ASU No. 2023-09 is effective for public business entities for annual periods beginning after December 15, 2024. T he ASU may be adopted on a prospective or retrospective basis and early adoption is permitted. The Corporation is currently evaluating the impact the new guidance will have on disclosures related to income taxes. ​ In December of 2024, the FASB issued ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40), which requires disclosure of certain costs and expenses in the notes to the consolidated financial statements. The amendments in this ASU will become effective for fiscal years beginning after December 15, 2026, and will be effective for interim periods with fiscal years beginning after December 15, 2027, with early adoption permitted. The amendments will be applied prospectively with the option for retrospective application . We are currently evaluating the impact of the standard to our consolidated financial statement disclosures.

RECENT ACCOUNTING PRONOUNCEME_3

RECENT ACCOUNTING PRONOUNCEMENTS (Tables)	12 Months Ended
	Dec. 31, 2024
NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Schedule of impact on the allowance for credit losses from the adoption of ASC 326	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ As Reported ​ ​ ​ ​ Under ​ Pre-ASC 326 ​ Impact of ​ ​ ASC 326 ​ Adoption ​ ASC 326 (In Thousands) ​ January 1, 2023 ​ December 31, 2022 ​ Adoption Loans receivable ​ $ 1,740,846 ​ $ 1,740,040 ​ $ 806 Allowance for credit losses on loans ​ ​ 18,719 ​ ​ 16,615 ​ ​ 2,104 Allowance for credit losses on off-balance sheet exposures (included in accrued interest and other liabilities) ​ ​ 1,218 ​ ​ 425 ​ ​ 793 Deferred tax asset, net ​ ​ 21,323 ​ ​ 20,884 ​ ​ 439 Retained earnings ​ ​ 150,091 ​ ​ 151,743 ​ ​ (1,652)

PER SHARE DATA (Tables)

PER SHARE DATA (Tables)	12 Months Ended
	Dec. 31, 2024
PER SHARE DATA
Schedule of basic and diluted earnings per share	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands, Except Share and Per Share Data) Years Ended ​ ​ December 31, ​ December 31, ​ December 31, ​ 2024 ​ 2023 2022 Basic ​ ​ ​ ​ Net income ​ $ 25,958 ​ $ 24,148 ​ $ 26,618 Less: Dividends and undistributed earnings allocated to participating securities ​ (211) ​ (186) ​ (237) Net income attributable to common shares ​ $ 25,747 ​ $ 23,962 ​ $ 26,381 Basic weighted-average common shares outstanding ​ 15,262,504 ​ 15,241,859 ​ 15,455,432 Basic earnings per common share (a) ​ $ 1.69 ​ $ 1.57 ​ $ 1.71 Diluted ​ ​ ​ Net income attributable to common shares ​ $ 25,747 ​ $ 23,962 ​ $ 26,381 Basic weighted-average common shares outstanding ​ 15,262,504 ​ 15,241,859 ​ 15,455,432 Dilutive effect of potential common stock arising from stock options ​ 0 ​ 0 ​ 3,099 Diluted weighted-average common shares outstanding ​ 15,262,504 ​ 15,241,859 ​ 15,458,531 Diluted earnings per common share (a) ​ $ 1.69 ​ $ 1.57 ​ $ 1.71 Weighted-average nonvested restricted shares outstanding ​ 125,254 ​ 118,122 ​ 138,617 (a) Basic and diluted earnings per share under the two-class method are determined on net income reported on the consolidated income statement less earnings allocated to nonvested restricted shares with nonforfeitable dividends (participating securities).

COMPREHENSIVE INCOME (LOSS) (Ta

COMPREHENSIVE INCOME (LOSS) (Tables)	12 Months Ended
	Dec. 31, 2024
COMPREHENSIVE INCOME (LOSS)
Schedule of the components of other comprehensive income, and the related tax effects	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) Before-Tax Income Tax Net-of-Tax ​ ​ Amount ​ Effect ​ Amount 2024 ​ ​ ​ Available-for-sale debt securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized holding gains on available-for-sale debt securities ​ $ 1,670 ​ $ 124 ​ $ 1,794 Reclassification adjustment for losses realized in income ​ ​ 0 ​ ​ 0 ​ ​ 0 Other comprehensive income from available-for-sale debt securities ​ ​ 1,670 ​ ​ 124 ​ ​ 1,794 Unfunded pension and postretirement obligations: ​ ​ ​ Changes from plan amendments and actuarial gains and losses ​ ​ 405 ​ ​ (87) ​ ​ 318 Amortization of prior service cost and net actuarial loss and curtailment gain included in net periodic benefit cost ​ (552) ​ 116 ​ (436) Other comprehensive loss on unfunded retirement obligations ​ ​ (147) ​ ​ 29 ​ ​ (118) Total other comprehensive income ​ $ 1,523 ​ $ 153 ​ $ 1,676 2023 ​ ​ ​ Available-for-sale debt securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized holding gains on available-for-sale debt securities ​ $ 11,512 ​ $ (2,418) ​ $ 9,094 Reclassification adjustment for losses realized in income ​ ​ 3,036 ​ ​ (638) ​ ​ 2,398 Other comprehensive income from available-for-sale debt securities ​ ​ 14,548 ​ ​ (3,056) ​ ​ 11,492 Unfunded pension and postretirement obligations: ​ ​ ​ Changes from plan amendments and actuarial gains and losses ​ ​ (9) ​ ​ 2 ​ ​ (7) Amortization of prior service cost and net actuarial loss included in net periodic benefit cost ​ (56) ​ 12 ​ (44) Other comprehensive loss on unfunded retirement obligations ​ ​ (65) ​ ​ 14 ​ ​ (51) Total other comprehensive income ​ $ 14,483 ​ $ (3,042) ​ $ 11,441 2022 ​ ​ ​ Available-for-sale debt securities: ​ ​ ​ ​ ​ ​ ​ ​ ​ Unrealized holding losses on available-for-sale debt securities ​ $ (69,828) ​ $ 14,665 ​ $ (55,163) Reclassification adjustment for (gains) realized in income ​ ​ (20) ​ ​ 4 ​ ​ (16) Other comprehensive loss from available-for-sale debt securities ​ ​ (69,848) ​ ​ 14,669 ​ ​ (55,179) Unfunded pension and postretirement obligations: ​ ​ ​ Changes from plan amendments and actuarial gains and losses ​ ​ 389 ​ ​ (81) ​ ​ 308 Amortization of prior service cost and net actuarial loss included in net periodic benefit cost ​ (42) ​ 9 ​ (33) Other comprehensive income on unfunded retirement obligations ​ ​ 347 ​ ​ (72) ​ ​ 275 Total other comprehensive loss ​ $ (69,501) ​ $ 14,597 ​ $ (54,904)
Schedule of components of other comprehensive income and affected line item in the consolidated statements of income	​ ​ ​ ​ ​ ​ Affected Line Item in the Description Consolidated Statements of Income Reclassification adjustment for losses (gains) realized in income (before-tax) ​ Realized (losses) gains on available-for-sale debt securities, net Amortization of prior service cost and net actuarial loss included in net periodic benefit cost (before-tax) Other noninterest expense Income tax effect ​ Income tax provision
Schedule of changes in the components of accumulated other comprehensive income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ ​ Accumulated ​ ​ Unrealized ​ Unfunded ​ Other ​ (Losses) Gains Retirement Comprehensive ​ on Securities Obligations Loss 2024 ​ ​ ​ Balance, beginning of period ​ $ (38,878) ​ $ 441 ​ $ (38,437) Other comprehensive income (loss) during year ended December 31, 2024 ​ 1,794 ​ ​ (118) ​ 1,676 Balance, end of period ​ $ (37,084) ​ $ 323 ​ $ (36,761) 2023 ​ ​ ​ Balance, beginning of period ​ $ (50,370) ​ $ 492 ​ $ (49,878) Other comprehensive income (loss) during year ended December 31, 2023 ​ 11,492 ​ (51) ​ 11,441 Balance, end of period ​ $ (38,878) ​ $ 441 ​ $ (38,437) 2022 ​ ​ ​ Balance, beginning of period ​ $ 4,809 ​ $ 217 ​ $ 5,026 Other comprehensive (loss) income during year ended December 31, 2022 ​ (55,179) ​ 275 ​ (54,904) Balance, end of period ​ $ (50,370) ​ $ 492 ​ $ (49,878) ​

CASH AND DUE FROM BANKS (Tables

CASH AND DUE FROM BANKS (Tables)	12 Months Ended
	Dec. 31, 2024
CASH AND DUE FROM BANKS
Schedule of cash and due from banks	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, December 31, ​ ​ 2024 ​ 2023 Cash and cash equivalents ​ $ 123,574 ​ $ 52,778 Certificates of deposit ​ 2,600 ​ 4,100 Total cash and due from banks ​ $ 126,174 ​ $ 56,878

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2024
SECURITIES
Schedule of amortized cost and fair value of available-for-sale debt securities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, 2024 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ Unrealized ​ ​ ​ ​ Amortized Holding Holding Fair ​ Cost Gains Losses Value ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 8,067 ​ $ 0 ​ $ (949) ​ $ 7,118 Obligations of U.S. Government agencies ​ ​ 10,154 ​ ​ 0 ​ ​ (1,129) ​ ​ 9,025 Bank holding company debt securities ​ ​ 28,958 ​ ​ 0 ​ ​ (3,712) ​ ​ 25,246 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ 111,995 ​ ​ 238 ​ (10,931) ​ 101,302 Taxable ​ 51,147 ​ 0 ​ (8,641) ​ 42,506 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ ​ ​ Residential pass-through securities ​ 104,378 ​ 6 ​ (9,970) ​ 94,414 Residential collateralized mortgage obligations ​ 53,389 ​ 10 ​ (3,505) ​ 49,894 Commercial mortgage-backed securities ​ 73,470 ​ 0 ​ (8,969) ​ 64,501 Private label commercial mortgage-backed securities ​ ​ 8,365 ​ 9 ​ 0 ​ 8,374 Total available-for-sale debt securities ​ $ 449,923 ​ $ 263 ​ $ (47,806) ​ $ 402,380 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, 2023 ​ ​ ​ ​ ​ Gross ​ Gross ​ ​ ​ ​ ​ ​ ​ ​ Unrealized ​ Unrealized ​ ​ ​ ​ Amortized Holding Holding Fair ​ Cost Gains Losses Value ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 12,325 ​ $ 0 ​ $ (1,035) ​ $ 11,290 Obligations of U.S. Government agencies ​ ​ 11,119 ​ ​ 0 ​ ​ (1,173) ​ ​ 9,946 Bank holding company debt securities ​ ​ 28,952 ​ ​ 0 ​ ​ (5,452) ​ ​ 23,500 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ 113,464 ​ ​ 311 ​ (9,576) ​ 104,199 Taxable ​ 58,720 ​ 0 ​ (8,609) ​ 50,111 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ ​ Residential pass-through securities ​ 105,549 ​ 40 ​ (10,184) ​ 95,405 Residential collateralized mortgage obligations ​ 50,212 ​ 0 ​ (3,750) ​ 46,462 Commercial mortgage-backed securities ​ 76,412 ​ 0 ​ (9,730) ​ 66,682 Private label commercial mortgage-backed securities ​ ​ 8,215 ​ 0 ​ (55) ​ 8,160 Total available-for-sale debt securities ​ $ 464,968 ​ $ 351 ​ $ (49,564) ​ $ 415,755
Schedule of gross unrealized losses and fair value of available-for-sale debt securities	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 Less Than 12 Months 12 Months or More Total (In Thousands) ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Value Losses Value Losses Value Losses Obligations of the U.S. Treasury ​ $ 0 ​ $ 0 ​ $ 7,118 ​ ​ (949) ​ $ 7,118 ​ $ (949) Obligations of U.S. Government agencies ​ ​ 0 ​ ​ 0 ​ ​ 9,025 ​ ​ (1,129) ​ ​ 9,025 ​ ​ (1,129) Bank holding company debt securities ​ ​ 0 ​ ​ 0 ​ ​ 25,246 ​ ​ (3,712) ​ ​ 25,246 ​ ​ (3,712) Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ ​ 6,581 ​ ​ (58) ​ ​ 91,316 ​ ​ (10,873) ​ ​ 97,897 ​ ​ (10,931) Taxable ​ 0 ​ ​ 0 ​ ​ 42,506 ​ ​ (8,641) ​ ​ 42,506 ​ ​ (8,641) Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential pass-through securities ​ ​ 22,777 ​ ​ (375) ​ ​ 69,282 ​ ​ (9,595) ​ ​ 92,059 ​ ​ (9,970) Residential collateralized mortgage obligations ​ 19,586 ​ ​ (156) ​ ​ 27,157 ​ ​ (3,349) ​ ​ 46,743 ​ ​ (3,505) Commercial mortgage-backed securities ​ 2,314 ​ ​ (38) ​ ​ 62,187 ​ ​ (8,931) ​ ​ 64,501 ​ ​ (8,969) Total ​ $ 51,258 ​ $ (627) ​ $ 333,837 ​ $ (47,179) ​ $ 385,095 ​ $ (47,806) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 Less Than 12 Months 12 Months or More Total (In Thousands) ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Fair ​ Unrealized ​ Value Losses Value Losses Value Losses Obligations of the U.S. Treasury ​ $ 0 ​ $ 0 ​ $ 11,290 ​ $ (1,035) ​ $ 11,290 ​ $ (1,035) Obligations of U.S. Government agencies ​ ​ 1,595 ​ ​ (9) ​ ​ 8,351 ​ ​ (1,164) ​ ​ 9,946 ​ ​ (1,173) Bank holding company debt securities ​ ​ 0 ​ ​ 0 ​ ​ 23,500 ​ ​ (5,452) ​ ​ 23,500 ​ ​ (5,452) Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Tax-exempt ​ ​ 3,257 ​ ​ (24) ​ ​ 96,758 ​ ​ (9,552) ​ ​ 100,015 ​ ​ (9,576) Taxable ​ 0 ​ ​ 0 ​ 49,961 ​ ​ (8,609) ​ 49,961 ​ (8,609) Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Residential pass-through securities ​ ​ 3,334 ​ ​ (27) ​ ​ 84,297 ​ ​ (10,157) ​ ​ 87,631 ​ ​ (10,184) Residential collateralized mortgage obligations ​ 3,588 ​ ​ (2) ​ 32,808 ​ ​ (3,748) ​ 36,396 ​ (3,750) Commercial mortgage-backed securities ​ 2,327 ​ ​ (16) ​ 64,355 ​ ​ (9,714) ​ 66,682 ​ (9,730) Private label commercial mortgage-backed securities ​ ​ 8,160 ​ ​ (55) ​ ​ 0 ​ ​ 0 ​ ​ 8,160 ​ ​ (55) Total ​ $ 22,261 ​ $ (133) ​ $ 371,320 ​ $ (49,431) ​ $ 393,581 ​ $ (49,564)
Schedule of gross realized gains and losses from available-for-sale	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ 2024 ​ 2023 ​ 2022 Gross realized gains from sales ​ $ 0 ​ $ 89 ​ $ 48 Gross realized losses from sales ​ 0 ​ (3,125) ​ (28) Net realized (losses) gains ​ $ 0 ​ $ (3,036) ​ $ 20 Income tax provision related to net realized (losses) gains ​ $ 0 ​ $ (638) ​ $ 4
Schedule of the amortized cost and fair value of available-for-sale debt securities by contractual maturity	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, 2024 ​ ​ Amortized ​ Fair ​ Cost Value Due in one year or less ​ $ 5,296 ​ $ 5,252 Due from one year through five years ​ 33,440 ​ 31,113 Due from five years through ten years ​ 78,665 ​ 70,174 Due after ten years ​ 92,920 ​ 78,658 Sub-total ​ 210,321 ​ 185,197 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ Residential pass-through securities ​ 104,378 ​ 94,414 Residential collateralized mortgage obligations ​ 53,389 ​ 49,894 Commercial mortgage-backed securities ​ 73,470 ​ 64,501 Private label commercial mortgage-backed securities ​ ​ 8,365 ​ ​ 8,374 Total ​ $ 449,923 ​ $ 402,380

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
Schedule of loans outstanding	Summary of Loans by Type (In Thousands) ​ ​ ​ ​ ​ ​ ​ ​ December 31, December 31, ​ 2024 ​ 2023 Commercial real estate - non-owner occupied ​ $ 739,565 ​ $ 737,342 Commercial real estate - owner occupied ​ ​ 261,071 ​ ​ 237,246 All other commercial loans ​ ​ 423,277 ​ ​ 399,693 Residential mortgage loans ​ ​ 408,009 ​ ​ 413,714 Consumer loans ​ ​ 63,926 ​ ​ 60,144 Total ​ ​ 1,895,848 ​ ​ 1,848,139 Less: allowance for credit losses on loans ​ ​ (20,035) ​ ​ (19,208) Loans, net ​ $ 1,875,813 ​ $ 1,828,931
Schedule of the past due loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ As of December 31, 2024 ​ ​ Past Due ​ Past Due ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-89 ​ 90+ Days ​ Nonaccrual ​ Current ​ Total ​ ​ Days ​ Still Accruing ​ Loans ​ Loans ​ Loans Commercial real estate - non-owner occupied ​ $ 266 ​ $ 0 ​ $ 7,370 ​ $ 731,929 ​ $ 739,565 Commercial real estate - owner occupied ​ 0 ​ 62 ​ 1,725 ​ 259,284 ​ 261,071 All other commercial loans ​ ​ 296 ​ ​ 0 ​ ​ 10,006 ​ ​ 412,975 ​ ​ 423,277 Residential mortgage loans ​ ​ 4,934 ​ ​ 0 ​ ​ 4,310 ​ ​ 398,765 ​ ​ 408,009 Consumer loans ​ 162 ​ 57 ​ 431 ​ 63,276 ​ 63,926 Total ​ $ 5,658 ​ $ 119 ​ $ 23,842 ​ $ 1,866,229 ​ $ 1,895,848 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ As of December 31, 2023 ​ ​ Past Due ​ Past Due ​ ​ ​ ​ ​ ​ ​ ​ ​ 30-89 ​ 90+ Days ​ Nonaccrual ​ Current ​ Total ​ ​ Days ​ Still Accruing ​ Loans ​ Loans ​ Loans Commercial real estate - non-owner occupied ​ $ 2,215 ​ $ 126 ​ $ 8,412 ​ $ 726,589 ​ $ 737,342 Commercial real estate - owner occupied ​ 849 ​ 0 ​ 1,575 ​ 234,822 ​ 237,246 All other commercial loans ​ ​ 229 ​ ​ 2,593 ​ ​ 1,323 ​ ​ 395,548 ​ ​ 399,693 Residential mortgage loans ​ ​ 5,365 ​ ​ 326 ​ ​ 3,627 ​ ​ 404,396 ​ ​ 413,714 Consumer loans ​ ​ 617 ​ 145 ​ 240 ​ 59,142 ​ 60,144 Total ​ $ 9,275 ​ $ 3,190 ​ $ 15,177 ​ $ 1,820,497 ​ $ 1,848,139
Schedule of amortized cost in loans by credit quality indicators by year of origination	The following table presents the amortized cost in loans by credit quality indicators by year of origination as of December 31, 2024: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Term Loans by Year of Origination ​ ​ ​ ​ ​ ​ ​ ​ 2024 ​ 2023 ​ 2022 ​ 2021 ​ 2020 ​ Prior ​ Revolving ​ Total Commercial real estate - non-owner occupied ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 59,708 ​ $ 99,900 ​ $ 161,497 ​ $ 78,884 ​ $ 51,851 ​ $ 243,578 ​ $ 0 ​ $ 695,418 Special Mention ​ 0 ​ 0 ​ 16,233 ​ 1,371 ​ 0 ​ 8,188 ​ 0 ​ 25,792 Substandard ​ ​ 116 ​ ​ 0 ​ ​ 9,928 ​ ​ 0 ​ ​ 0 ​ ​ 8,311 ​ ​ 0 ​ ​ 18,355 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total commercial real estate - non-owner occupied ​ $ 59,824 ​ $ 99,900 ​ $ 187,658 ​ $ 80,255 ​ $ 51,851 ​ $ 260,077 ​ $ 0 ​ $ 739,565 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 757 ​ $ 0 ​ $ 757 Commercial real estate - owner occupied ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 25,552 ​ $ 33,533 ​ $ 52,207 ​ $ 49,410 ​ $ 11,444 ​ $ 76,558 ​ $ 0 ​ $ 248,704 Special Mention ​ ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 961 ​ 0 ​ 961 Substandard ​ ​ 0 ​ ​ 5,125 ​ ​ 729 ​ ​ 2,367 ​ ​ 0 ​ ​ 3,185 ​ ​ 0 ​ ​ 11,406 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total commercial real estate - owner occupied ​ $ 25,552 ​ $ 38,658 ​ $ 52,936 ​ $ 51,777 ​ $ 11,444 ​ $ 80,704 ​ $ 0 ​ $ 261,071 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 All other commercial loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 73,812 ​ $ 74,301 ​ $ 44,245 ​ $ 44,367 ​ $ 23,084 ​ $ 30,656 ​ $ 109,121 ​ $ 399,586 Special Mention ​ 533 ​ 0 ​ 2,306 ​ 2 ​ 0 ​ 0 ​ 2,147 ​ 4,988 Substandard ​ ​ 44 ​ ​ 0 ​ ​ 3,478 ​ ​ 5,229 ​ ​ 109 ​ ​ 1,078 ​ ​ 8,765 ​ ​ 18,703 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total all other commercial loans ​ $ 74,389 ​ $ 74,301 ​ $ 50,029 ​ $ 49,598 ​ $ 23,193 ​ $ 31,734 ​ $ 120,033 ​ $ 423,277 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 427 ​ $ 60 ​ $ 21 ​ $ 122 ​ $ 0 ​ $ 630 Residential mortgage loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 41,450 ​ $ 48,937 ​ $ 80,789 ​ $ 50,108 ​ $ 35,601 ​ $ 146,231 ​ $ 0 ​ $ 403,116 Special Mention ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Substandard ​ ​ 0 ​ ​ 380 ​ ​ 0 ​ ​ 85 ​ ​ 82 ​ ​ 4,346 ​ ​ 0 ​ ​ 4,893 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total residential mortgage loans ​ $ 41,450 ​ $ 49,317 ​ $ 80,789 ​ $ 50,193 ​ $ 35,683 ​ $ 150,577 ​ $ 0 ​ $ 408,009 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 Consumer loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 3,859 ​ $ 3,441 ​ $ 2,848 ​ $ 1,013 ​ $ 599 ​ $ 679 ​ $ 50,860 ​ $ 63,299 Special Mention ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Substandard ​ ​ 0 ​ ​ 8 ​ ​ 4 ​ ​ 0 ​ ​ 0 ​ ​ 71 ​ ​ 544 ​ ​ 627 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total consumer loans ​ $ 3,859 ​ $ 3,449 ​ $ 2,852 ​ $ 1,013 ​ $ 599 ​ $ 750 ​ $ 51,404 ​ $ 63,926 Year-to-date gross charge-offs ​ $ 0 ​ $ 69 ​ $ 130 ​ $ 7 ​ $ 8 ​ $ 1 ​ $ 114 ​ $ 329 Total Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 204,381 ​ $ 260,112 ​ $ 341,586 ​ $ 223,782 ​ $ 122,579 ​ $ 497,702 ​ $ 159,981 ​ $ 1,810,123 Special Mention ​ 533 ​ 0 ​ 18,539 ​ 1,373 ​ 0 ​ 9,149 ​ 2,147 ​ 31,741 Substandard ​ ​ 160 ​ ​ 5,513 ​ ​ 14,139 ​ ​ 7,681 ​ ​ 191 ​ ​ 16,991 ​ ​ 9,309 ​ ​ 53,984 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total ​ $ 205,074 ​ $ 265,625 ​ $ 374,264 ​ $ 232,836 ​ $ 122,770 ​ $ 523,842 ​ $ 171,437 ​ $ 1,895,848 Year-to-date gross charge-offs ​ $ 0 ​ $ 69 ​ $ 557 ​ $ 67 ​ $ 29 ​ $ 880 ​ ​ 114 ​ $ 1,716 ​ The following table presents the amortized cost in loans by credit quality indicators by year of origination as of December 31, 2023: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Term Loans by Year of Origination ​ ​ ​ ​ ​ ​ (In Thousands) ​ 2023 ​ 2022 ​ 2021 ​ 2020 ​ 2019 ​ Prior ​ Revolving ​ Total Commercial real estate - non-owner occupied ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 96,615 ​ $ 167,484 ​ $ 89,582 ​ $ 55,390 ​ $ 80,020 ​ $ 207,017 ​ 0 ​ 696,108 Special Mention ​ ​ 0 ​ ​ 20,072 ​ ​ 2,446 ​ ​ 0 ​ ​ 116 ​ ​ 6,188 ​ ​ 0 ​ ​ 28,822 Substandard ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 18 ​ ​ 566 ​ ​ 11,828 ​ ​ 0 ​ ​ 12,412 Doubtful ​ ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Total commercial real estate - non-owner occupied ​ $ 96,615 ​ $ 187,556 ​ $ 92,028 ​ $ 55,408 ​ $ 80,702 ​ $ 225,033 ​ $ 0 ​ $ 737,342 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 Commercial real estate - owner occupied ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 33,761 ​ $ 37,429 ​ $ 52,090 ​ $ 12,858 ​ $ 17,505 ​ $ 71,775 ​ $ 0 ​ $ 225,418 Special Mention ​ ​ 104 ​ ​ 746 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 166 ​ ​ 0 ​ ​ 1,016 Substandard ​ 5,200 ​ 0 ​ 2,567 ​ 0 ​ 0 ​ 3,045 ​ 0 ​ 10,812 Doubtful ​ ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Total commercial real estate - owner occupied ​ $ 39,065 ​ $ 38,175 ​ $ 54,657 ​ $ 12,858 ​ $ 17,505 ​ $ 74,986 ​ $ 0 ​ $ 237,246 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 All other commercial loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 58,393 ​ $ 90,560 ​ $ 51,813 ​ $ 27,718 ​ $ 16,421 ​ $ 24,326 ​ $ 107,234 ​ $ 376,465 Special Mention ​ ​ 0 ​ ​ 2,690 ​ ​ 5,043 ​ ​ 8 ​ ​ 0 ​ ​ 794 ​ ​ 301 ​ ​ 8,836 Substandard ​ ​ 0 ​ 1,267 ​ 1,250 ​ 453 ​ 679 ​ 1,085 ​ 9,658 ​ 14,392 Doubtful ​ ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Total all other commercial loans ​ $ 58,393 ​ $ 94,517 ​ $ 58,106 ​ $ 28,179 ​ $ 17,100 ​ $ 26,205 ​ $ 117,193 ​ $ 399,693 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 12 ​ $ 12 Residential mortgage loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 57,300 ​ $ 87,519 ​ $ 56,183 ​ $ 39,411 ​ $ 32,401 ​ $ 135,546 ​ $ 0 ​ $ 408,360 Special Mention ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Substandard ​ ​ 0 ​ 0 ​ 0 ​ 285 ​ 369 ​ 4,700 ​ 0 ​ 5,354 Doubtful ​ ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Total residential mortgage loans ​ $ 57,300 ​ $ 87,519 ​ $ 56,183 ​ $ 39,696 ​ $ 32,770 ​ $ 140,246 ​ $ 0 ​ $ 413,714 Year-to-date gross charge-offs ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 33 ​ $ 0 ​ $ 33 Consumer loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 6,020 ​ $ 4,664 ​ $ 1,944 ​ $ 1,205 ​ $ 175 ​ $ 913 ​ $ 44,312 ​ $ 59,233 Special Mention ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Substandard ​ ​ 0 ​ 0 ​ 5 ​ 11 ​ 1 ​ 58 ​ 836 ​ 911 Doubtful ​ ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 ​ 0 Total consumer loans ​ $ 6,020 ​ $ 4,664 ​ $ 1,949 ​ $ 1,216 ​ $ 176 ​ $ 971 ​ $ 45,148 ​ $ 60,144 Year-to-date gross charge-offs ​ $ 0 ​ $ 149 ​ $ 0 ​ $ 18 ​ $ 3 ​ $ 3 ​ $ 138 ​ $ 311 Total Loans ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pass ​ $ 252,089 ​ $ 387,656 ​ $ 251,612 ​ $ 136,582 ​ $ 146,522 ​ $ 439,577 ​ $ 151,546 ​ $ 1,765,584 Special Mention ​ 104 ​ 23,508 ​ 7,489 ​ 8 ​ 116 ​ 7,148 ​ 301 ​ 38,674 Substandard ​ ​ 5,200 ​ ​ 1,267 ​ ​ 3,822 ​ ​ 767 ​ ​ 1,615 ​ ​ 20,716 ​ ​ 10,494 ​ ​ 43,881 Doubtful ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total ​ $ 257,393 ​ $ 412,431 ​ $ 262,923 ​ $ 137,357 ​ $ 148,253 ​ $ 467,441 ​ $ 162,341 ​ $ 1,848,139 Year-to-date gross charge-offs ​ $ 0 ​ $ 149 ​ $ 0 ​ $ 18 ​ $ 3 ​ $ 36 ​ ​ 150 ​ $ 356
Schedule of nonaccrual loans by major categories for the periods	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ ​ Nonaccrual Loans with ​ Nonaccrual Loans ​ Total Nonaccrual ​ (In Thousands) ​ No Allowance ​ with an Allowance ​ Loans ​ Commercial real estate - non-owner occupied ​ $ 7,370 ​ $ 0 ​ $ 7,370 ​ Commercial real estate - owner occupied ​ 1,467 ​ 258 ​ 1,725 ​ All other commercial loans ​ ​ 10,006 ​ ​ 0 ​ ​ 10,006 ​ Residential mortgage loans ​ ​ 4,310 ​ ​ 0 ​ ​ 4,310 ​ Consumer loans ​ 431 ​ 0 ​ 431 ​ Total ​ $ 23,584 ​ $ 258 ​ $ 23,842 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ Nonaccrual Loans with ​ Nonaccrual Loans ​ Total Nonaccrual (In Thousands) No Allowance ​ with an Allowance ​ Loans ​ Commercial real estate - non-owner occupied ​ $ 1,111 ​ $ 7,301 ​ $ 8,412 ​ Commercial real estate - owner occupied ​ 1,281 ​ 294 ​ 1,575 ​ All other commercial loans ​ ​ 1,132 ​ ​ 191 ​ ​ 1,323 ​ Residential mortgage loans ​ ​ 3,627 ​ ​ 0 ​ ​ 3,627 ​ Consumer loans ​ 240 ​ 0 ​ 240 ​ Total ​ $ 7,391 ​ $ 7,786 ​ $ 15,177 ​
Schedule of accrued Interest receivables written off	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended ​ Year Ended (In Thousands) ​ December 31, 2024 ​ December 31, 2023 Commercial real estate - non-owner occupied ​ $ 22 ​ $ 48 Commercial real estate - owner occupied ​ 10 ​ 0 All other commercial loans ​ ​ 198 ​ ​ 0 Residential mortgage loans ​ ​ 29 ​ ​ 28 Consumer loans ​ 10 ​ 3 Total ​ $ 269 ​ $ 79
Schedule of amortized cost of collateral dependent loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ December 31, 2023 ​ ​ Amortized ​ ​ ​ Amortized ​ ​ (In Thousands) ​ Cost ​ Allowance ​ Cost ​ Allowance Commercial real estate - non-owner occupied ​ $ 7,370 ​ $ 0 ​ $ 8,412 ​ $ 648 Commercial real estate - owner occupied ​ 6,749 ​ 122 ​ 1,575 ​ 5 All other commercial loans ​ ​ 16,006 ​ ​ 0 ​ ​ 1,277 ​ ​ 90 Total ​ $ 30,125 ​ $ 122 ​ $ 11,264 ​ $ 743
Schedule of activity related to the ACL on loans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial ​ Commercial ​ All ​ ​ ​ ​ ​ ​ ​ ​ ​ real estate - ​ real estate - ​ other ​ Residential ​ ​ ​ ​ ​ ​ nonowner ​ owner ​ commercial ​ mortgage ​ Consumer ​ ​ ​ (In Thousands) occupied ​ occupied ​ loans ​ loans ​ loans ​ Total Balance, December 31, 2023 $ 12,010 ​ $ 2,116 ​ $ 2,918 ​ $ 1,764 ​ $ 400 ​ $ 19,208 Charge-offs ​ (757) ​ ​ 0 ​ ​ (630) ​ ​ 0 ​ ​ (329) ​ ​ (1,716) Recoveries ​ 0 ​ ​ 0 ​ ​ 40 ​ ​ 6 ​ ​ 67 ​ ​ 113 Provision (credit) for credit losses on loans 711 ​ ​ 728 ​ ​ 1,033 ​ ​ (414) ​ ​ 372 ​ 2,430 Balance, December 31, 2024 $ 11,964 ​ $ 2,844 ​ $ 3,361 ​ $ 1,356 ​ $ 510 ​ $ 20,035 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial ​ Commercial ​ All ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ real estate - ​ real estate - ​ other ​ Residential ​ ​ ​ ​ ​ ​ ​ ​ nonowner ​ owner ​ commercial ​ mortgage ​ Consumer ​ ​ ​ ​ ​ (In Thousands) occupied ​ occupied ​ loans ​ loans ​ loans ​ Unallocated ​ Total Balance, December 31, 2022 $ 6,305 ​ $ 1,942 ​ $ 4,142 ​ $ 2,751 ​ $ 475 ​ $ 1,000 ​ $ 16,615 Adoption of ASU 2016-13 (CECL) ​ 3,763 ​ ​ 7 ​ ​ (88) ​ ​ (344) ​ ​ (234) ​ ​ (1,000) ​ ​ 2,104 Charge-offs ​ 0 ​ ​ 0 ​ ​ (12) ​ ​ (33) ​ ​ (311) ​ ​ 0 ​ ​ (356) Recoveries ​ 0 ​ ​ 0 ​ ​ 44 ​ ​ 11 ​ ​ 37 ​ ​ 0 ​ ​ 92 Provision (credit) for credit losses on loans 1,942 ​ ​ 167 ​ ​ (1,168) ​ ​ (621) ​ ​ 433 ​ ​ 0 ​ 753 Balance, December 31, 2023 $ 12,010 ​ $ 2,116 ​ $ 2,918 ​ $ 1,764 ​ $ 400 ​ $ 0 ​ $ 19,208
Schedule of allowance for loan losses, summarized by segment and class	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ ​ ​ ​ ​ ​ ​ December 31, Year Ended December 31, 2022 ​ 2021 ​ ​ ​ ​ ​ ​ ​ Provision ​ 2022 (In Thousands) ​ Balance ​ Charge-offs ​ Recoveries ​ (Credit) ​ Balance Allowance for Loan Losses: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial: ​ ​ ​ ​ ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 4,405 ​ $ (3,942) ​ $ 0 ​ $ 6,611 ​ $ 7,074 Commercial and industrial ​ 2,723 ​ (150) ​ 0 ​ 336 ​ 2,909 Commercial construction and land ​ 637 ​ 0 ​ 0 ​ 10 ​ 647 Loans secured by farmland ​ 115 ​ 0 ​ 0 ​ (3) ​ 112 Multi-family (5 or more) residential ​ 215 ​ 0 ​ 0 ​ 196 ​ 411 Agricultural loans ​ 25 ​ 0 ​ 0 ​ (4) ​ 21 Other commercial loans ​ 173 ​ 0 ​ 0 ​ (49) ​ 124 Total commercial ​ 8,293 ​ (4,092) ​ 0 ​ 7,097 ​ 11,298 Residential mortgage: ​ ​ ​ ​ ​ ​ Residential mortgage loans - first liens ​ ​ 3,650 ​ ​ 0 ​ ​ 4 ​ ​ (241) ​ ​ 3,413 Residential mortgage loans - junior liens ​ 184 ​ 0 ​ 0 ​ (17) ​ 167 Home equity lines of credit ​ 302 ​ 0 ​ 15 ​ (35) ​ 282 1-4 Family residential construction ​ 202 ​ 0 ​ 0 ​ 9 ​ 211 Total residential mortgage ​ 4,338 ​ 0 ​ 19 ​ (284) ​ 4,073 Consumer ​ 235 ​ (153) ​ 49 ​ 113 ​ 244 Unallocated ​ 671 ​ 0 ​ 0 ​ 329 ​ 1,000 Total Allowance for Loan Losses ​ $ 13,537 ​ $ (4,245) ​ $ 68 ​ $ 7,255 ​ $ 16,615
Schedule of average balance of impaired loans and interest income recognized on impaired loans	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ ​ ​ ​ Average Investment in ​ ​ Interest Income Recognized on ​ ​ Impaired Loans ​ ​ Impaired Loans on a Cash Basis ​ ​ Year Ended December 31, ​ ​ Year Ended December 31, ​ ​ 2022 ​ 2022 Commercial: ​ ​ ​ ​ ​ Commercial loans secured by real estate ​ $ 9,757 ​ $ 657 Commercial and industrial ​ ​ 2,078 ​ 210 Commercial construction and land ​ ​ 72 ​ 3 Loans secured by farmland ​ ​ 80 ​ 0 Multi-family (5 or more) residential ​ ​ 197 ​ ​ 1,156 Agricultural loans ​ ​ 60 ​ 4 Total commercial ​ ​ 12,244 ​ 2,030 Residential mortgage: ​ ​ ​ ​ ​ Residential mortgage loans - first lien ​ ​ 575 ​ ​ 24 Residential mortgage loans - junior lien ​ ​ 33 ​ 7 Home equity lines of credit ​ ​ 43 ​ 4 Total residential mortgage ​ ​ 651 ​ 35 Total ​ $ 12,895 ​ $ 2,065
Schedule of summary of the amortized cost basis of loans modified	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2024 (Dollars in Thousands) ​ Term Extension ​ ​ Amortized Cost ​ % of Total ​ ​ ​ Basis ​ Loan Type Financial Effect Commercial Real Estate - Non-owner Occupied $ 2,625 ​ ​ 0.35 % Extended the maturity of one loan for 6 months and one loan for 5 years Commercial Real Estate - Owner Occupied ​ 218 ​ ​ 0.08 % Extended the maturity of one loan for 12 months Total $ 2,843 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended December 31, 2023 (Dollars in Thousands) ​ Term Extension ​ ​ Amortized Cost ​ % of Total ​ ​ ​ Basis ​ Loan Type Financial Effect Commercial Real Estate - Non-owner Occupied $ 3,907 ​ ​ 0.53 % Extended the maturity of one loan for 6 months and another ​ ​ ​ ​ ​ ​ ​ ​ ​
Schedule of performance of such loans that have been modified in the twelve-month period preceding the period end presented	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Payment Status (Amortized Cost Basis) December 31, 2024 Current or Past Due Less than 30 Days 90+ Days Past Due Total Commercial real estate - non-owner occupied ​ $ 2,625 ​ $ 0 ​ $ 2,625 Commercial real estate - owner occupied ​ ​ 218 ​ ​ 0 ​ ​ 218 Total ​ $ 2,843 ​ $ 0 ​ $ 2,843 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Payment Status (Amortized Cost Basis) December 31, 2023 Current or Past Due Less than 30 Days 90+ Days Past Due Total Commercial real estate - non-owner occupied ​ $ 2,526 ​ $ 1,381 ​ $ 3,907 ​
Schedule of carrying amount of foreclosed residential real estate properties	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2024 ​ 2023 Foreclosed residential real estate ​ $ 25 ​ $ 47
Schedule of mortgage loans secured by residential real properties	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2024 ​ 2023 Residential real estate in process of foreclosure ​ $ 717 ​ $ 1,227
Schedule of balance and activity in the allowance for credit losses for off-balance sheet exposures	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Year Ended ​ Year Ended (In Thousands) ​ December 31, 2024 ​ December 31, 2023 Balance, Beginning of Period ​ $ 690 ​ $ 425 Adjustment to allowance for off-balance sheet exposures for adoption of ASU 2016-13 ​ ​ 0 ​ ​ 793 Recoveries ​ ​ 0 ​ ​ 39 Credit for unfunded commitments ​ ​ (235) ​ ​ (567) Balance, End of Period ​ $ 455 ​ $ 690 ​

BANK PREMISES AND EQUIPMENT (Ta

BANK PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2024
Notes Tables
Schedule of bank premises and equipment	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, ​ ​ 2024 ​ 2023 Land ​ $ 3,573 ​ $ 3,573 Buildings and improvements ​ ​ 33,623 ​ ​ 32,582 Furniture and equipment ​ ​ 14,266 ​ ​ 14,618 Construction in progress ​ ​ 186 ​ ​ 614 Total ​ ​ 51,648 ​ ​ 51,387 Less: accumulated depreciation ​ ​ (30,310) ​ ​ (29,755) Net ​ $ 21,338 ​ $ 21,632
Schedule of depreciation expense in consolidated statements of income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ 2024 ​ 2023 ​ 2022 Net occupancy and equipment expense ​ $ 2,122 ​ $ 1,915 ​ $ 2,049 Data processing and telecommunications expense ​ ​ 61 ​ ​ 236 ​ ​ 340 Total ​ $ 2,183 ​ $ 2,151 ​ $ 2,389 ​

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLE ASSETS, NET (Tables)	12 Months Ended
	Dec. 31, 2024
GOODWILL AND OTHER INTANGIBLE ASSETS, NET
Schedule of core deposit intangibles	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, ​ 2024 ​ ​ 2023 Gross amount ​ $ 6,639 ​ $ 6,639 Accumulated amortization ​ (4,559) ​ ​ (4,170) Net ​ $ 2,080 ​ $ 2,469
Schedule of amortization expense related to core deposit intangibles is included in other noninterest expense in the consolidated statements of income	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Year Ended December 31, ​ ​ 2024 ​ 2023 ​ ​ 2022 Amortization expense ​ $ 389 ​ $ 408 ​ $ 439
Schedule of amortization expense to be recognized in each of the ensuing five years	​ ​ ​ ​ ​ (In Thousands) ​ 2025 ​ $ 424 2026 ​ 396 2027 ​ 361 2028 ​ 304 2029 ​ 250 ​

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2024
Notes Tables
Scheduled maturities of time deposits	​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ 2025 ​ $ 347,705 2026 ​ ​ 110,938 2027 ​ ​ 14,523 2028 ​ ​ 7,190 2029 ​ ​ 4,001 Total ​ $ 484,357 ​
Schedule of remaining maturities of time deposits in excess of $250,000	​ ​ ​ ​ ​ (In Thousands) ​ ​ ​ Three months or less ​ $ 38,392 Over 3 months through 12 months ​ ​ 83,209 Over 1 year through 3 years ​ ​ 53,446 Over 3 years ​ ​ 400 Total ​ $ 175,447 ​

BORROWED FUNDS (Tables)

BORROWED FUNDS (Tables)	12 Months Ended
	Dec. 31, 2024
BORROWED FUNDS
Schedule of short term borrowings	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2024 ​ 2023 FHLB-Pittsburgh borrowings ​ $ 0 ​ $ 31,500 Customer repurchase agreements ​ 2,488 ​ 2,374 Total short-term borrowings ​ $ 2,488 ​ $ 33,874 ​
Schedule of long term borrowings	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ December 31, December 31, ​ ​ 2024 ​ 2023 Loans matured in 2024 with a weighted-average rate of 3.09% ​ ​ 0 ​ ​ 32,161 Loans maturing in 2025 with a weighted-average rate of 4.30% ​ ​ 44,516 ​ ​ 44,627 Loans maturing in 2026 with a weighted-average rate of 4.61% ​ ​ 48,018 ​ ​ 35,518 Loans maturing in 2027 with a weighted-average rate of 4.24% ​ ​ 34,571 ​ ​ 24,031 Loans maturing in 2028 with a weighted-average rate of 4.30% ​ ​ 26,027 ​ ​ 2,000 Loans maturing in 2029 with a weighted-average rate of 4.42% ​ ​ 12,319 ​ ​ 0 Total long-term FHLB-Pittsburgh borrowings ​ $ 165,451 ​ $ 138,337
Schedule of outstanding senior notes	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, December 31, ​ ​ 2024 ​ 2023 Senior Notes with an aggregate par value of $15,000,000; bearing interest at 2.75% with an effective interest rate of 3.23%; maturing in June 2026 ​ $ 14,899 ​ $ 14,831 Total carrying value ​ $ 14,899 ​ $ 14,831
Schedule of outstanding subordinated debt	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) December 31, December 31, ​ ​ 2024 ​ 2023 Agreements with a par value of $25,000,000; bearing interest at 3.25% with an effective interest rate of 3.74% ; maturing in June 2031 and redeemable at par in June 2026 ​ $ 24,831 ​ $ 24,717 Total carrying value ​ $ 24,831 ​ $ 24,717 ​

EMPLOYEE AND POSTRETIREMENT B_2

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2024
Notes Tables
Schedule of funded status of the defined benefit plans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Postretirement (In Thousands) 2024 ​ 2023 2024 ​ 2023 CHANGE IN BENEFIT OBLIGATION: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Benefit obligation at beginning of year ​ $ 896 ​ $ 946 ​ $ 1,013 ​ $ 935 Service cost ​ 0 ​ 0 ​ 6 ​ 54 Interest cost ​ 29 ​ 31 ​ 31 ​ 48 Plan participants' contributions ​ 0 ​ 0 ​ 118 ​ 129 Actuarial loss ​ 18 ​ 63 ​ 10 ​ 37 Gain from plan amendments ​ ​ 0 ​ ​ 0 ​ ​ (413) ​ ​ 0 Benefits paid ​ ​ (5) ​ ​ (5) ​ ​ (179) ​ ​ (190) Settlement of plan obligation ​ 0 ​ (139) ​ 0 ​ 0 Benefit obligation at end of year ​ $ 938 ​ $ 896 ​ $ 586 ​ $ 1,013 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CHANGE IN PLAN ASSETS: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair value of plan assets at beginning of year ​ $ 946 ​ $ 1,001 ​ $ 0 ​ $ 0 Actual return on plan assets ​ 36 ​ 89 ​ 0 ​ 0 Employer contribution ​ 0 ​ 0 ​ 61 ​ 61 Plan participants' contributions ​ 0 ​ 0 ​ 118 ​ 129 Benefits paid ​ ​ (5) ​ ​ (5) ​ ​ (179) ​ ​ (190) Settlement of plan obligation ​ 0 ​ (139) ​ 0 ​ 0 Fair value of plan assets at end of year ​ $ 977 ​ $ 946 ​ $ 0 ​ $ 0 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Funded status at end of year ​ $ 39 ​ $ 50 ​ $ (586) ​ $ (1,013)
Schedule of pension plan and postretirement plan liability amounts were recognized in the consolidated balance sheets	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement (In Thousands) 2024 2023 2024 2023 Accrued interest and other liabilities ​ ​ 39 ​ $ 50 ​ $ 586 ​ ​ 1,013
Summary of items not yet recognized as a component of net periodic benefit cost	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement (In Thousands) 2024 ​ 2023 2024 ​ 2023 Prior service cost ​ $ 0 ​ $ 0 ​ $ (56) ​ $ (124) Net actuarial loss (gain) ​ 131 ​ ​ 139 ​ (486) ​ ​ (573) Total ​ $ 131 ​ $ 139 ​ $ (542) ​ $ (697)
Summary of components of net periodic benefit costs from defined benefit plans	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement (In Thousands) 2024 ​ 2023 2022 2024 ​ 2023 2022 Service cost ​ $ 0 ​ $ 0 ​ $ 0 ​ $ 6 ​ $ 54 ​ $ 63 Interest cost ​ 29 ​ ​ 31 ​ ​ 22 ​ 31 ​ ​ 48 ​ ​ 34 Expected return on plan assets ​ (16) ​ ​ (18) ​ ​ (35) ​ 0 ​ ​ 0 ​ ​ 0 Amortization of prior service cost ​ 0 ​ ​ 0 ​ ​ 0 ​ (12) ​ ​ (31) ​ ​ (31) Recognized net actuarial loss (gain) ​ 6 ​ ​ 11 ​ ​ 8 ​ (77) ​ ​ (36) ​ ​ (19) Effect of curtailment ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ (469) ​ ​ 0 ​ ​ 0 Settlement of plan obligation ​ ​ 0 ​ ​ 21 ​ ​ 0 ​ ​ 0 ​ ​ 0 ​ ​ 0 Total net periodic benefit cost ​ $ 19 ​ $ 45 ​ $ (5) ​ $ (521) ​ $ 35 ​ $ 47
Schedule of weighted-average assumptions used to determine net periodic benefit cost	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension ​ Postretirement ​ 2024 2023 2022 2024 2023 2022 Discount rate 4.80 % 5.05 % 2.60 % 5.00 % 5.25 % 3.00 % Expected return on plan assets 5.00 % 4.22 % 5.00 % N/A N/A N/A ​ Rate of compensation increase N/A N/A N/A N/A N/A N/A ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Pension Postretirement ​ ​ 2024 2023 2024 2023 ​ Discount rate 5.35 % 4.80 % 5.29 % 5.00 % Rate of compensation increase N/A N/A N/A N/A ​
Schedule of Estimated future benefit payments	​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) Pension Postretirement 2025 ​ $ 620 ​ $ 68 2026 ​ 14 ​ 67 2027 ​ 9 ​ 59 2028 ​ 250 ​ 59 2029 ​ 8 ​ 54 2030-2034 ​ 38 ​ 233
Schedule of fair values of pension plan assets	​ ​ ​ ​ ​ ​ ​ ​ 2024 2023 Mutual funds invested principally in: ​ ​ ​ ​ Cash and cash equivalents 100 % 54 % Debt securities 0 % 18 % Equity securities 0 % 24 % Alternative funds 0 % 4 % Total 100 % 100 %
Schedule of stock-based compensation expense	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2024 ​ 2023 2022 Restricted stock ​ $ 1,494 ​ $ 1,472 ​ $ 1,260 Stock options ​ 0 ​ ​ 0 ​ ​ 0 Total ​ $ 1,494 ​ $ 1,472 ​ $ 1,260
Summary of non-vested restricted stock activity	​ ​ ​ ​ ​ ​ ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ Number ​ Grant Date ​ of Shares Fair Value Outstanding, December 31, 2023 110,009 ​ $ 23.44 Granted 92,860 ​ $ 20.69 Vested (62,969) ​ $ 22.97 Forfeited (2,076) ​ $ 23.37 Outstanding, December 31, 2024 137,824 ​ $ 21.80
Summary of stock option activity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 2023 ​ 2022 ​ ​ ​ ​ Weighted ​ ​ ​ Weighted ​ ​ ​ Weighted ​ ​ ​ ​ Average ​ ​ ​ Average ​ ​ ​ Average ​ ​ ​ ​ Exercise ​ ​ ​ Exercise ​ ​ ​ Exercise ​ Shares Price Shares Price ​ Shares Price Outstanding, beginning of year 646 ​ $ 20.45 10,564 ​ $ 20.45 24,218 ​ $ 20.01 Granted 0 ​ 0 0 ​ 0 0 ​ 0 Exercised 0 ​ ​ 0 (8,288) ​ $ 20.45 (13,654) ​ $ 19.67 Forfeited 0 ​ ​ 0 (1,630) ​ $ 20.45 0 ​ ​ 0 Expired (646) ​ $ 20.45 0 ​ ​ 0 0 ​ ​ 0 Outstanding, end of year 0 ​ $ 0 646 ​ $ 20.45 10,564 ​ $ 20.45 Options exercisable at year-end 0 ​ $ 0 646 ​ $ 20.45 10,564 ​ $ 20.45 Weighted-average fair value of options forfeited ​ ​ $ N/A ​ ​ $ 5.50 ​ ​ ​ N/A
Restricted Stock
Notes Tables
Summary of awarded shares of restricted stock under the Stock Incentive Plan,	​ ​ ​ ​ ​ ​ ​ 2024 2023 Time-based awards to independent directors ​ 10,000 ​ 11,000 Time-based awards to employees 63,514 31,684 Performance-based awards to employees 19,346 11,104 Total 92,860 53,788

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2024
Notes Tables
Schedule of deferred tax assets and deferred tax liabilities	​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ December 31, (In Thousands) 2024 2023 Deferred tax assets: ​ ​ ​ ​ ​ ​ Unrealized holding losses on securities ​ $ 10,459 ​ $ 10,335 Allowance for credit losses on loans ​ ​ 4,400 ​ ​ 4,230 Purchase accounting adjustments on loans ​ ​ 333 ​ ​ 470 Deferred compensation ​ 1,465 ​ 1,352 Deferred loan origination fees ​ 697 ​ 731 Operating leases liability ​ 692 ​ 787 Accrued incentive compensation ​ ​ 678 ​ ​ 463 Net operating loss carryforward ​ ​ 423 ​ ​ 541 Other deferred tax assets ​ 1,520 ​ 1,316 Total deferred tax assets ​ 20,667 ​ 20,225 ​ ​ ​ ​ ​ ​ ​ Deferred tax liabilities: ​ ​ Right-of-use assets from operating leases ​ ​ 692 ​ ​ 787 Core deposit intangibles ​ 456 ​ 544 Bank premises and equipment ​ 290 ​ 291 Defined benefit plans - ASC 835 ​ 90 ​ 119 BOLI surrender ​ ​ 0 ​ ​ 950 Other deferred tax liabilities ​ ​ 41 ​ ​ 93 Total deferred tax liabilities ​ 1,569 ​ 2,784 Deferred tax asset, net ​ $ 19,098 ​ $ 17,441
Schedule of components of income tax expense	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2024 ​ 2023 2022 Currently payable ​ $ 7,417 ​ $ 5,499 ​ $ 5,998 Tax expense resulting from allocations of certain tax benefits ​ 0 ​ ​ 0 ​ ​ 134 Deferred ​ (1,504) ​ ​ 836 ​ ​ (400) Total provision ​ $ 5,913 ​ $ 6,335 ​ $ 5,732
Schedule of reconciliation of income tax	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ 2024 ​ 2023 ​ 2022 (Dollars In Thousands) Amount % ​ Amount % Amount % Expected provision ​ $ 6,693 21.0 ​ $ 6,401 21.0 ​ $ 6,794 21.0 Tax-exempt interest income ​ (964) (3.0) ​ (964) (3.2) ​ (1,029) (3.2) Increase in cash surrender value and other income from life insurance, net ​ (369) (1.2) ​ (586) (1.9) ​ (103) (0.3) ESOP dividends ​ (144) (0.5) ​ (143) (0.5) ​ (130) (0.4) Surrender of bank-owned life insurance ​ ​ 0 ​ 0.0 ​ ​ 950 ​ 3.1 ​ ​ 0 ​ 0.0 State income tax, net of federal benefit ​ 297 0.9 ​ 329 1.1 ​ 296 0.9 Nondeductible interest expense ​ 368 1.3 ​ 283 0.9 ​ ​ 87 ​ 0.3 Other, net ​ 32 0.1 ​ 65 0.3 ​ (183) (0.6) Effective income tax provision ​ $ 5,913 18.6 ​ $ 6,335 20.8 ​ $ 5,732 17.7

RELATED PARTY TRANSACTIONS (Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2024
Notes Tables
Schedule of loans to executive officers and directors and associates	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Beginning New ​ Other Ending (In Thousands) Balance Loans Repayments Changes Balance 11 directors, 11 executive officers 2024 ​ $ 13,975 ​ $ 1,579 ​ ​ (2,212) ​ ​ 106 ​ $ 13,448 11 directors, 11 executive officers 2023 ​ $ 14,504 ​ $ 549 ​ $ (823) ​ $ (255) ​ $ 13,975 13 directors, 10 executive officers 2022 ​ $ 13,911 ​ $ 1,949 ​ $ (1,886) ​ $ 530 ​ $ 14,504

OFF-BALANCE SHEET RISK (Tables)

OFF-BALANCE SHEET RISK (Tables)	12 Months Ended
	Dec. 31, 2024
Notes Tables
Schedule of financial instruments whose contract amounts represent credit risk	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, ​ December 31, (In Thousands) 2024 2023 Commitments to extend credit ​ $ 380,003 ​ $ 395,997 Standby letters of credit ​ 64,586 ​ 19,158
Schedule of expirations of standby letters of credit	​ ​ ​ ​ ​ Year of Expiration (In Thousands) 2025 ​ $ 64,485 2026 ​ 25 2027 ​ ​ 48 2028 ​ ​ 28 2029 ​ ​ 0 Total ​ $ 64,586

OPERATING LEASE COMMITMENTS A_2

OPERATING LEASE COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Dec. 31, 2024
OPERATING LEASE COMMITMENTS AND CONTINGENCIES
Schedule of operating lease expenses	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) 2024 ​ 2023 2022 Net occupancy and equipment expense ​ $ 666 ​ $ 644 ​ $ 599 Total ​ $ 666 ​ $ 644 ​ $ 599
Schedule of operating lease maturities	Lease Payments Due ​ ​ ​ ​ ​ 2025 $ 671 2026 ​ 595 2027 ​ 518 2028 ​ 419 2029 ​ 373 Thereafter ​ 774 Total lease payments ​ 3,350 Discount on cash flows ​ (199) Total lease liabilities ​ $ 3,151

REGULATORY MATTERS (Tables)

REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2024
REGULATORY MATTERS
Schedule of capital ratios	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Minimum To Be Well ​ ​ ​ ​ ​ ​ ​ Minimum ​ Minimum To Maintain ​ Capitalized Under ​ Minimum To Meet ​ ​ ​ ​ ​ Capital ​ Capital Conservation ​ Prompt Corrective ​ the Corporation's ​ ​ Actual ​ Requirement Buffer at Reporting Date ​ Action Provisions ​ Policy Thresholds ​ (Dollars In Thousands) ​ Amount Ratio Amount Ratio Amount Ratio Amount Ratio Amount Ratio ​ December 31, 2024: ​ ​ ​ Total capital to risk-weighted assets: ​ ​ ​ Consolidated ​ $ 302,783 15.95 % N/A N/A N/A N/A N/A N/A ​ $ 208,779 ³11 % C&N Bank ​ 287,721 15.19 % 151,567 ³8 % 198,832 ³10.5 % 189,459 ³10 % 208,405 ³11 % Tier 1 capital to risk-weighted assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 257,462 13.56 % N/A N/A N/A N/A N/A N/A ​ 170,819 ³9 % C&N Bank ​ 267,231 14.10 % 113,675 ³6 % 161,040 ³8.5 % 151,567 ³8 % 170,513 ³9 % Common equity tier 1 capital to risk-weighted assets: ​ ​ ​ Consolidated ​ 257,462 13.56 % N/A N/A N/A N/A N/A N/A ​ 142,349 ³7.5 % C&N Bank ​ 267,231 14.10 % 85,256 ³4.5 % 132,621 ³7.0 % 123,148 ³6.5 % 142,094 ³7.5 % Tier 1 capital to average assets: ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 257,462 9.80 % N/A N/A N/A N/A N/A N/A ​ 210,160 ³8 % C&N Bank ​ 267,231 10.23 % 104,514 ³4 % N/A N/A 130,642 ³5 % 209,027 ³8 % ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023: ​ ​ ​ Total capital to risk-weighted assets: ​ ​ ​ Consolidated ​ $ 290,425 15.67 % N/A N/A N/A N/A N/A N/A ​ $ 203,809 ³11 % C&N Bank ​ 275,307 14.89 % 147,925 ³8 % 194,151 ³10.5 % 184,906 ³10 % 203,396 ³11 % Tier 1 capital to risk-weighted assets: ​ ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 245,810 13.27 % N/A N/A N/A N/A N/A N/A ​ 166,753 ³9 % C&N Bank ​ 255,409 13.81 % 110,943 ³6 % 157,170 ³8.5 % 147,925 ³8 % 166,415 ³9 % Common equity tier 1 capital to risk-weighted assets: ​ ​ ​ Consolidated ​ 245,810 13.27 % N/A N/A N/A N/A N/A N/A ​ 138,961 ³7.5 % C&N Bank ​ 255,409 13.81 % 83,208 ³4.5 % 129,434 ³7.0 % 120,189 ³6.5 % 138,679 ³7.5 % Tier 1 capital to average assets: ​ ​ ​ ​ ​ ​ ​ Consolidated ​ 245,810 9.87 % N/A N/A N/A N/A N/A N/A ​ 199,151 ³8 % C&N Bank ​ 255,409 10.32 % 99,010 ³4 % N/A N/A 123,762 ³5 % 198,020 ³8 %
Schedule of minimum risk-based capital ratios, and the capital ratios including the capital conservation buffer	​ ​ ​ ​ Minimum common equity tier 1 capital ratio 4.5 % Minimum common equity tier 1 capital ratio plus capital conservation buffer 7.0 % Minimum tier 1 capital ratio 6.0 % Minimum tier 1 capital ratio plus capital conservation buffer 8.5 % Minimum total capital ratio 8.0 % Minimum total capital ratio plus capital conservation buffer 10.5 %
Schedule of summary of payout restrictions based on the capital conservation buffer	​ ​ ​ ​ ​ Capital Conservation Buffer Maximum Payout (as a % of risk-weighted assets) ​ (as a % of eligible retained income) Greater than 2.5% No payout limitation applies ≤2.5% and >1.875% ​ 60 % ≤1.875% and >1.25% ​ 40 % ≤1.25% and >0.625% ​ 20 % ≤0.625% ​ 0 %

PARENT COMPANY ONLY (Tables)

PARENT COMPANY ONLY (Tables)	12 Months Ended
	Dec. 31, 2024
PARENT COMPANY ONLY
Schedule of parent company condensed balance sheet	​ ​ ​ ​ ​ ​ ​ ​ CONDENSED BALANCE SHEET Dec. 31, Dec. 31, (In Thousands) ​ 2024 ​ 2023 ASSETS ​ ​ Cash ​ $ 16,013 ​ $ 14,822 Investment in subsidiaries: ​ ​ ​ Citizens & Northern Bank ​ 285,465 ​ 272,286 Citizens & Northern Investment Corporation ​ 9,768 ​ 11,087 Bucktail Life Insurance Company ​ 3,804 ​ 3,733 Other assets ​ 136 ​ 200 TOTAL ASSETS ​ $ 315,186 ​ $ 302,128 ​ ​ ​ ​ ​ ​ ​ LIABILITIES AND STOCKHOLDERS' EQUITY ​ ​ Senior notes, net ​ $ 14,899 ​ $ 14,831 Subordinated debt, net ​ 24,831 ​ 24,717 Other liabilities ​ 172 ​ 199 Stockholders' equity ​ 275,284 ​ 262,381 TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY ​ $ 315,186 ​ $ 302,128
Schedule of parent company condensed income statement	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CONDENSED INCOME STATEMENT AND COMPREHENSIVE INCOME (LOSS) ​ ​ ​ ​ ​ ​ (In Thousands) 2024 ​ 2023 2022 Dividends from Citizens & Northern Bank ​ $ 17,341 ​ $ 19,405 ​ $ 19,483 Dividends from Citizens & Northern Investment Corporation ​ ​ 1,500 ​ ​ 1,800 ​ ​ 0 Expenses ​ (1,644) ​ (2,003) ​ (1,695) Income before equity in undistributed income of subsidiaries ​ 17,197 ​ 19,202 ​ 17,788 Equity in undistributed income of subsidiaries ​ 8,761 ​ 4,946 ​ 8,830 NET INCOME ​ $ 25,958 ​ $ 24,148 ​ $ 26,618 COMPREHENSIVE INCOME (LOSS) ​ $ 27,634 ​ $ 35,589 ​ $ (28,286)
Schedule of parent company condensed statement of cash flows	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CONDENSED STATEMENT OF CASH FLOWS ​ ​ ​ ​ ​ (In Thousands) 2024 ​ 2023 2022 CASH FLOWS FROM OPERATING ACTIVITIES: ​ ​ ​ ​ ​ ​ ​ ​ ​ Net income ​ $ 25,958 ​ $ 24,148 ​ $ 26,618 Adjustments to reconcile net income to net cash provided by operating activities: ​ ​ ​ Accretion of purchase accounting adjustment ​ ​ 0 ​ ​ 0 ​ ​ (14) Amortization of debt issuance costs ​ 182 ​ 176 ​ 170 Equity in undistributed income of subsidiaries ​ (8,761) ​ (4,946) ​ (8,830) Decrease (increase) in other assets ​ 64 ​ (167) ​ 0 (Decrease) increase in other liabilities ​ (93) ​ 97 ​ (41) Net Cash Provided by Operating Activities ​ 17,350 ​ 19,308 ​ 17,903 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ CASH FLOWS FROM FINANCING ACTIVITIES: ​ ​ ​ Repayment of subordinated debt ​ 0 ​ 0 ​ (8,500) Proceeds from sale of treasury stock ​ 0 ​ 0 ​ 160 Purchase of treasury stock ​ (629) ​ (6,784) ​ (9,349) Dividends paid ​ (15,530) ​ (15,569) ​ (15,865) Net Cash Used in Financing Activities ​ (16,159) ​ (22,353) ​ (33,554) ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS ​ 1,191 ​ (3,045) ​ (15,651) CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR ​ 14,822 ​ 17,867 ​ 33,518 CASH AND CASH EQUIVALENTS, END OF YEAR ​ $ 16,013 ​ $ 14,822 ​ $ 17,867 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION, ​ ​ ​ Interest paid ​ $ 1,305 ​ $ 1,234 ​ $ 1,433 ​

DERIVATIVE FINANCIAL INSTRUME_2

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2024
DERIVATIVE FINANCIAL INSTRUMENTS
Summary of fair value of the Corporation's derivative financial instruments as well as their classification on the consolidated balance sheet	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) At December 31, 2024 ​ At December 31, 2023 ​ Asset Derivatives ​ Liability Derivatives ​ Asset Derivatives ​ Liability Derivatives ​ Notional ​ Fair ​ Notional ​ Fair ​ Notional ​ Fair ​ Notional ​ Fair ​ Amount ​ Value (1) ​ Amount ​ Value (2) ​ Amount ​ Value (1) ​ Amount ​ Value (2) Interest rate swap agreements $ 70,970 ​ $ 2,385 ​ $ 70,970 ​ $ 2,385 ​ $ 75,014 ​ $ 2,783 ​ $ 75,014 ​ $ 2,783 RPA Out ​ 6,957 ​ ​ 2 ​ ​ 0 ​ ​ 0 ​ ​ 7,082 ​ ​ 11 ​ ​ 0 ​ ​ 0 RPA In ​ 0 ​ ​ 0 ​ ​ 9,916 ​ ​ 2 ​ ​ 0 ​ ​ 0 ​ ​ 10,000 ​ ​ 13 ​ (1) Included in other assets in the consolidated balance sheets. (2) Included in accrued interest and other liabilities in the consolidated balance sheets.

FAIR VALUE MEASUREMENTS AND F_2

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2024
FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS
Schedule of assets measured at fair value and the valuation methods used	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2024 ​ ​ Quoted Prices ​ Other Observable ​ Unobservable ​ ​ ​ ​ in Active Markets ​ Inputs ​ Inputs ​ Total (In Thousands) ​ (Level 1) ​ (Level 2) ​ (Level 3) ​ Fair Value Recurring fair value measurements, assets: ​ ​ ​ ​ AVAILABLE-FOR-SALE DEBT SECURITIES: ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 7,118 ​ $ 0 ​ $ 0 ​ $ 7,118 Obligations of U.S. Government agencies ​ ​ 0 ​ ​ 9,025 ​ ​ 0 ​ ​ 9,025 Bank holding company debt securities ​ ​ 0 ​ ​ 25,246 ​ ​ 0 ​ ​ 25,246 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ Tax-exempt ​ 0 ​ 101,302 ​ 0 ​ 101,302 Taxable ​ 0 ​ 42,506 ​ 0 ​ 42,506 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ Residential pass-through securities ​ 0 ​ 94,414 ​ 0 ​ 94,414 Residential collateralized mortgage obligations ​ 0 ​ 49,894 ​ 0 ​ 49,894 Commercial mortgage-backed securities ​ 0 ​ 64,501 ​ 0 ​ 64,501 Private label commercial mortgage-backed securities ​ 0 ​ 8,374 ​ 0 ​ 8,374 Total available-for-sale debt securities ​ 7,118 ​ 395,262 ​ 0 ​ 402,380 Marketable equity security ​ 863 ​ 0 ​ 0 ​ 863 Servicing rights ​ 0 ​ 0 ​ 2,782 ​ 2,782 RPA Out ​ ​ 0 ​ ​ 2 ​ ​ 0 ​ ​ 2 Interest rate swap agreements, assets ​ ​ 0 ​ ​ 2,385 ​ ​ 0 ​ ​ 2,385 Total recurring fair value measurements, assets ​ $ 7,981 ​ $ 397,649 ​ $ 2,782 ​ $ 408,412 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Recurring fair value measurements, liabilities: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ RPA In ​ $ 0 ​ $ 2 ​ $ 0 ​ $ 2 Interest rate swap agreements, liabilities ​ ​ 0 ​ ​ 2,385 ​ ​ 0 ​ ​ 2,385 Total recurring fair value measurements, liabilities ​ $ 0 ​ $ 2,387 ​ $ 0 ​ $ 2,387 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nonrecurring fair value measurements, assets: ​ ​ ​ ​ Loans individually evaluated for credit loss, net ​ $ 0 ​ $ 0 ​ $ 136 ​ $ 136 Foreclosed assets held for sale ​ 0 ​ 0 ​ 181 ​ 181 Total nonrecurring fair value measurements, assets ​ $ 0 ​ $ 0 ​ $ 317 ​ $ 317 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ December 31, 2023 ​ ​ Quoted Prices ​ Other Observable ​ Unobservable ​ ​ ​ ​ in Active Markets ​ Inputs ​ Inputs ​ Total (In Thousands) ​ (Level 1) ​ (Level 2) ​ (Level 3) ​ Fair Value Recurring fair value measurements, assets: ​ ​ ​ ​ AVAILABLE-FOR-SALE DEBT SECURITIES: ​ ​ ​ ​ Obligations of the U.S. Treasury ​ $ 11,290 ​ $ 0 ​ $ 0 ​ $ 11,290 Obligations of U.S. Government agencies ​ ​ 0 ​ ​ 9,946 ​ ​ 0 ​ ​ 9,946 Bank holding company debt securities ​ ​ 0 ​ ​ 23,500 ​ ​ 0 ​ ​ 23,500 Obligations of states and political subdivisions: ​ ​ ​ ​ ​ ​ Tax-exempt ​ 0 ​ 104,199 ​ 0 ​ 104,199 Taxable ​ 0 ​ 50,111 ​ 0 ​ 50,111 Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies: ​ ​ ​ ​ ​ Residential pass-through securities ​ 0 ​ 95,405 ​ 0 ​ 95,405 Residential collateralized mortgage obligations ​ 0 ​ 46,462 ​ 0 ​ 46,462 Commercial mortgage-backed securities ​ 0 ​ 66,682 ​ 0 ​ 66,682 Private label commercial mortgage-backed securities ​ 0 ​ 8,160 ​ 0 ​ 8,160 Total available-for-sale debt securities ​ 11,290 ​ 404,465 ​ 0 ​ 415,755 Marketable equity security ​ 871 ​ 0 ​ 0 ​ 871 Servicing rights ​ 0 ​ 0 ​ 2,659 ​ 2,659 RPA Out ​ ​ 0 ​ ​ 11 ​ ​ 0 ​ ​ 11 Interest rate swap agreements, assets ​ ​ 0 ​ ​ 2,783 ​ ​ 0 ​ ​ 2,783 Total recurring fair value measurements, assets ​ $ 12,161 ​ $ 407,259 ​ $ 2,659 ​ $ 422,079 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Recurring fair value measurements, liabilities, ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ RPA In ​ $ 0 ​ $ 13 ​ $ 0 ​ $ 13 Interest rate swap agreements, liabilities ​ ​ 0 ​ ​ 2,783 ​ ​ 0 ​ ​ 2,783 Total recurring fair value measurements, liabilities ​ $ 0 ​ $ 2,796 ​ $ 0 ​ $ 2,796 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Nonrecurring fair value measurements, assets: ​ ​ ​ ​ Loans individually evaluated for credit loss, net ​ $ 0 ​ $ 0 ​ $ 7,043 ​ $ 7,043 Foreclosed assets held for sale ​ 0 ​ 0 ​ 478 ​ 478 Total nonrecurring fair value measurements, assets ​ $ 0 ​ $ 0 ​ $ 7,521 ​ $ 7,521
Schedule of reconciliation of level 3 activity	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Years Ended December 31, ​ 2024 ​ 2023 2022 Servicing rights balance, beginning of period ​ $ 2,659 ​ $ 2,653 ​ $ 2,329 Originations of servicing rights ​ 287 ​ 206 ​ 198 Unrealized (loss) gain included in earnings ​ (164) ​ (200) ​ 126 Servicing rights balance, end of period ​ $ 2,782 ​ $ 2,659 ​ $ 2,653
Schedule of estimated fair values, and carrying amounts of financial instruments not recorded at fair value	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (In Thousands) ​ Fair Value ​ December 31, 2024 ​ December 31, 2023 ​ ​ Hierarchy ​ Carrying ​ Fair ​ Carrying ​ Fair ​ Level Amount Value Amount Value Financial assets: ​ ​ ​ ​ Cash and cash equivalents Level 1 ​ $ 123,574 ​ $ 123,574 ​ $ 52,778 ​ $ 52,778 Certificates of deposit Level 2 ​ 2,600 ​ 2,513 ​ 4,100 ​ 3,859 Restricted equity securities (included in other assets) Level 2 ​ 21,567 ​ N/A ​ 21,716 ​ N/A Loans, net Level 3 ​ 1,875,813 ​ 1,789,044 ​ 1,828,931 ​ 1,750,336 Accrued interest receivable Level 2 ​ 8,735 ​ 8,735 ​ 9,140 ​ 9,140 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Financial liabilities: ​ ​ ​ ​ ​ ​ ​ ​ Deposits with no stated maturity Level 2 ​ 1,609,552 ​ 1,609,552 ​ 1,590,357 ​ 1,590,357 Time deposits Level 2 ​ 484,357 ​ ​ 484,900 ​ 424,449 ​ ​ 423,643 Short-term borrowings Level 2 ​ 2,488 ​ ​ 2,488 ​ 33,874 ​ ​ 33,874 Long-term borrowings - FHLB advances Level 2 ​ 165,451 ​ ​ 165,616 ​ 138,337 ​ ​ 137,775 Senior notes, net ​ Level 2 ​ ​ 14,899 ​ ​ 13,579 ​ ​ 14,831 ​ ​ 12,706 Subordinated debt, net ​ Level 2 ​ ​ 24,831 ​ ​ 21,051 ​ ​ 24,717 ​ ​ 22,750 Accrued interest payable Level 2 ​ 1,771 ​ 1,771 ​ 1,525 ​ 1,525 ​
Recurring fair value measurements
FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS
Schedule of inputs and valuation techniques	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value at ​ ​ ​ 12/31/2024 ​ Valuation ​ Unobservable ​ ​ ​ ​ Method or Value As of Asset ​ (In Thousands) ​ Technique ​ Input(s) ​ ​ ​ ​ 12/31/2024 Servicing rights ​ $ 2,782 Discounted cash flow Discount rate ​ 13.00 % Rate used through modeling period ​ ​ ​ ​ ​ Loan prepayment speeds ​ ​ 116.00 % Weighted-average PSA ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Fair Value at ​ ​ ​ 12/31/2023 ​ Valuation ​ Unobservable ​ ​ ​ ​ Method or Value As of Asset ​ (In Thousands) ​ Technique ​ Input(s) ​ ​ ​ ​ 12/31/2023 Servicing rights ​ $ 2,659 Discounted cash flow Discount rate ​ 13.00 % Rate used through modeling period ​ ​ ​ ​ ​ Loan prepayment speeds ​ ​ 131.00 % Weighted-average PSA
Nonrecurring fair value measurements
FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS
Schedule of inputs and valuation techniques	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars In Thousands) ​ ​ ​ ​ Range (Weighted ​ ​ ​ ​ ​ Valuation ​ ​ ​ ​ ​ Average) ​ ​ Balance at ​ Allowance at ​ Fair Value at ​ Valuation ​ Unobservable ​ Discount at Asset ​ 12/31/2024 ​ 12/31/2024 ​ 12/31/2024 ​ Technique ​ Inputs ​ 12/31/2024 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans individually evaluated for credit loss: ​ ​ ​ ​ ​ Commercial real estate - owner occupied ​ $ 258 ​ $ 122 ​ $ 136 ​ Sales comparison & SBA guaranty ​ Discount to appraised value ​ % Total loans individually evaluated for credit loss ​ $ 258 ​ $ 122 ​ $ 136 ​ ​ ​ Foreclosed assets held for sale - real estate: ​ ​ ​ ​ ​ ​ ​ Residential (1-4 family) ​ $ 25 ​ $ 0 ​ $ 25 Sales comparison Discount to appraised value ​ 62% % Commercial real estate ​ ​ 156 ​ ​ 0 ​ ​ 156 ​ Sales comparison ​ Discount to appraised value ​ 18%-77% % Total foreclosed assets held for sale ​ $ 181 ​ $ 0 ​ $ 181 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ (Dollars In Thousands) ​ ​ ​ ​ Range (Weighted ​ ​ ​ ​ ​ Valuation ​ ​ ​ ​ ​ Average) ​ ​ Balance at ​ Allowance at ​ Fair Value at ​ Valuation ​ Unobservable ​ Discount at Asset ​ 12/31/2023 ​ 12/31/2023 ​ 12/31/2023 ​ Technique ​ Inputs ​ 12/31/2023 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loans individually evaluated for credit loss: ​ ​ ​ ​ ​ Commercial real estate - non-owner occupied ​ $ 7,301 ​ $ 648 ​ $ 6,653 Sales comparison Discount to appraised value ​ ( % Commercial real estate - owner occupied ​ ​ 294 ​ ​ 5 ​ ​ 289 ​ Sales comparison & SBA guaranty ​ Discount to appraised value ​ % All other commercial loans ​ ​ 191 ​ ​ 90 ​ ​ 101 ​ Liquidation & SBA guaranty ​ Discount to appraised value ​ ( % Total loans individually evaluated for credit loss ​ $ 7,786 ​ $ 743 ​ $ 7,043 ​ ​ Foreclosed assets held for sale - real estate: ​ ​ ​ ​ ​ ​ Residential (1-4 family) ​ $ 47 ​ $ 0 ​ $ 47 Sales comparison Discount to appraised value ​ 20%-62% ( % Commercial real estate ​ ​ 431 ​ ​ 0 ​ ​ 431 ​ Sales comparison ​ Discount to appraised value ​ 18%-50% % Total foreclosed assets held for sale ​ $ 478 ​ $ 0 ​ $ 478 ​ ​ ​ ​

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Dec. 31, 2024
SEGMENT REPORTING
Schedule of Segment Reporting Information, by Segment [Table Text Block]	​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Years Ended December 31, (In Thousands) ​ 2024 ​ 2023 ​ 2022 Interest income ​ $ 128,078 ​ $ 113,504 ​ $ 92,647 Interest expense ​ 48,963 ​ 33,104 ​ 9,519 Net interest income ​ 79,115 ​ ​ 80,400 ​ ​ 83,128 Provision for credit losses ​ 2,195 ​ ​ 186 ​ ​ 7,255 Net interest income after provision for credit losses ​ 76,920 ​ ​ 80,214 ​ ​ 75,873 Other income: ​ ​ ​ ​ ​ ​ ​ ​ Other income ​ ​ 29,209 ​ ​ 27,453 ​ ​ 24,412 Realized (losses) gains on available-for-sale debt securities, net ​ 0 ​ ​ (3,036) ​ ​ 20 Total other income ​ 29,209 ​ ​ 24,417 ​ ​ 24,432 Other Expense: ​ ​ ​ ​ ​ ​ ​ ​ Salaries and employee benefits ​ 44,930 ​ ​ 44,195 ​ ​ 41,833 Other segment expenses (1) ​ 29,328 ​ ​ 29,953 ​ ​ 26,122 Total noninterest expense ​ ​ 74,258 ​ ​ 74,148 ​ ​ 67,955 Income before income tax provision ​ ​ 31,871 ​ ​ 30,483 ​ ​ 32,350 Income tax provision ​ 5,913 ​ ​ 6,335 ​ ​ 5,732 NET INCOME ​ $ 25,958 ​ $ 24,148 ​ $ 26,618 (1) Other segment expenses included expenses for professional fees, data processing and telecommunicates, occupancy and Pennsylvania shares tax.

NATURE OF OPERATIONS AND SUMM_3

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	12 Months Ended
	Dec. 31, 2024 USD ($) item segment	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Number of reportable segments | segment	1
Contractual performance period of nonaccrual loans to be restored to accrual status	6 months
Credit losses related to unfunded loan commitments	$ 20,035,000	$ 19,208,000	$ 16,615,000
Debt security delinquent period to put in nonaccrual status	90 days
Allowance for credit losses related to the available-for-sale portfolio	$ 0	0
Interest receivable	1,964,000	2,018,000
Interest receivable excluded from the estimate of credit losses	$ 6,680,000	$ 7,099,000
Minimum of credit extension of loans for inclusion in individual review for credit losses | item	1
Repayment period of credit facilities	1 year
Weighted-average remaining life of the entire portfolio	4 years 14 days	4 years 5 months 23 days	4 years 4 months 9 days
Forecast relevant to collectability of cash flows	2 years
Loans Portfolio, Number of Extension For Individual Review | item	1
Accrued interest related to unrecognized tax benefits	$ 0
Fair value of trust assets under management	$ 1,347,853,000	$ 1,188,082,000
Trust revenue is earned and collected monthly	81%
Minimum | Buildings and improvements
Useful lives	3 years
Minimum | Furniture and equipment
Useful lives	3 years
Maximum | Buildings and improvements
Useful lives	40 years
Maximum | Furniture and equipment
Useful lives	7 years
Residential mortgage
Threshold amount of financing receivables individually evaluated for credit losses	$ 200,000
Consumer
Threshold amount of financing receivables individually evaluated for credit losses	$ 400,000

RECENT ACCOUNTING PRONOUNCEME_4

RECENT ACCOUNTING PRONOUNCEMENTS (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Loans receivable	$ 1,895,848,000	$ 1,848,139,000
Allowance for credit losses on loans	20,035,000	19,208,000
Allowance for credit losses on off-balance sheet exposures (included in accrued interest and other liabilities)	455,000	690,000	$ 425,000
Deferred tax asset, net	19,098,000	17,441,000
Retained earnings	$ 165,778,000	$ 157,028,000
Accounting Standards Update 2016-13
Loans receivable			1,740,040,000
Allowance for credit losses on loans			16,615,000
Allowance for credit losses on off-balance sheet exposures (included in accrued interest and other liabilities)			425,000
Deferred tax asset, net			20,884,000
Retained earnings			151,743,000
Adoption under ASC 326 | Accounting Standards Update 2016-13
Loans receivable			1,740,846,000
Allowance for credit losses on loans			18,719,000
Allowance for credit losses on off-balance sheet exposures (included in accrued interest and other liabilities)			1,218,000
Deferred tax asset, net			21,323,000
Retained earnings			150,091,000
Adoption of ASU 2016-13 (CECL) | Accounting Standards Update 2016-13
Loans receivable			806,000
Allowance for credit losses on loans			2,104,000
Allowance for credit losses on off-balance sheet exposures (included in accrued interest and other liabilities)			793,000
Deferred tax asset, net			439,000
Retained earnings			$ (1,652,000)

PER SHARE DATA (Details)

PER SHARE DATA (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Basic
Net income	$ 25,958	$ 24,148	$ 26,618
Less: Dividends and undistributed earnings allocated to participating securities	(211)	(186)	(237)
Net income attributable to common shares	$ 25,747	$ 23,962	$ 26,381
Basic weighted-average common shares outstanding (in shares)	15,262,504	15,241,859	15,455,432
Basic earnings per common share (in dollars per share)	$ 1.69	$ 1.57	$ 1.71
Diluted
Net income attributable to common shares	$ 25,747	$ 23,962	$ 26,381
Basic weighted-average common shares outstanding (in shares)	15,262,504	15,241,859	15,455,432
Dilutive effect of potential common stock arising from stock options (in shares)	0	0	3,099
Diluted weighted-average common shares outstanding (in shares)	15,262,504	15,241,859	15,458,531
Diluted earnings per common share (in dollars per share)	$ 1.69	$ 1.57	$ 1.71
Weighted-average nonvested restricted shares outstanding (in shares)	125,254	118,122	138,617
Antidilutive securities excluded from computation of earnings per share, amount (in shares)	0	8,963

COMPREHENSIVE INCOME (LOSS) - C

COMPREHENSIVE INCOME (LOSS) - Components (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
COMPREHENSIVE INCOME (LOSS)
Unrealized holding gains (losses) on available-for-sale debt securities, Before-Tax Amount	$ 1,670	$ 11,512	$ (69,828)
Unrealized holding (losses) gains on available-for-sale debt securities, Income Tax Effect	124	(2,418)	14,665
Unrealized holding (losses) gains on available-for-sale debt securities, Net of Tax Amount	1,794	9,094	(55,163)
Reclassification adjustment for (gains) losses realized in income, Before-Tax Amount	0	3,036	(20)
Reclassification adjustment for gains (losses) realized in income, Income Tax Effect	0	(638)	4
Reclassification adjustment for (gains) losses realized in income. Net of Tax Amount	0	2,398	(16)
Other comprehensive (loss) income from available-for-sale debt securities, Before-Tax Amount	1,670	14,548	(69,848)
Other comprehensive loss (income) from available-for-sale debt securities, Income tax effect	124	(3,056)	14,669
Other comprehensive (loss) income from available-for-sale debt securities, Net-of-Tax Amount	1,794	11,492	(55,179)
Changes from plan amendments and actuarial gains and losses, Before-Tax Amount	405	(9)	389
Changes from plan amendments and actuarial gains and losses, Income Tax Effect	(87)	2	(81)
Changes from plan amendments and actuarial gains and losses, Net-of-Tax Amount	318	(7)	308
Amortization of prior service cost and net actuarial loss and curtailment gain included in net periodic benefit cost, Before-Tax Amount	(552)	(56)	(42)
Amortization of prior service cost and net actuarial loss and curtailment gain included in net periodic benefit cost, Income Tax Effect	116	12	9
Amortization of prior service cost and net actuarial loss and curtailment gain included in net periodic benefit cost, Net-of-Tax Amount	(436)	(44)	(33)
Other comprehensive loss on unfunded retirement obligations, Before-Tax Amount	(147)	(65)	347
Other comprehensive loss on unfunded retirement obligations, Income Tax Effect	29	14	(72)
Other comprehensive loss on unfunded retirement obligations, Net-of-Tax Amount	(118)	(51)	275
Total other comprehensive (income) loss, Before-Tax Amount	1,523	14,483	(69,501)
Total other comprehensive income (loss), Income Tax Effect	153	(3,042)	14,597
Total other comprehensive income (loss), Net-of-Tax Amount	$ 1,676	$ 11,441	$ (54,904)

COMPREHENSIVE INCOME (LOSS) -_2

COMPREHENSIVE INCOME (LOSS) - Changes of AOCI (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Balance, beginning of period	$ 262,381	$ 249,325	$ 301,405
Other comprehensive income (loss)	1,676	11,441	(54,904)
Balance, end of period	275,284	262,381	249,325
Unrealized (Losses) Gains on Securities
Balance, beginning of period	(38,878)	(50,370)	4,809
Other comprehensive income (loss)	1,794	11,492	(55,179)
Balance, end of period	(37,084)	(38,878)	(50,370)
Unfunded Retirement Obligations
Balance, beginning of period	441	492	217
Other comprehensive income (loss)	(118)	(51)	275
Balance, end of period	323	441	492
Accumulated Other Comprehensive (Loss) Income
Balance, beginning of period	(38,437)	(49,878)	5,026
Other comprehensive income (loss)	1,676	11,441	(54,904)
Balance, end of period	$ (36,761)	$ (38,437)	$ (49,878)

CASH AND DUE FROM BANKS (Detail

CASH AND DUE FROM BANKS (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
CASH AND DUE FROM BANKS
Cash and cash equivalents	$ 123,574	$ 52,778
Certificates of deposit	2,600	4,100
Total cash and due from banks	$ 126,174	$ 56,878

SECURITIES - Available-for-sale

SECURITIES - Available-for-sale Securities (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Available-for-sale Securities
Allowance for credit losses	$ 0	$ 0
Available-for-sale securities, amortized cost	449,923,000	464,968,000
Available-for-sale securities, gross unrealized holding gains	263,000	351,000
Available-for-sale securities, gross unrealized holding losses	(47,806,000)	(49,564,000)
Available-for-sale debt securities, at fair value	402,380,000	415,755,000
Obligations of the U.S. Treasury
Available-for-sale Securities
Available-for-sale securities, amortized cost	8,067,000	12,325,000
Available-for-sale securities, gross unrealized holding gains	0	0
Available-for-sale securities, gross unrealized holding losses	(949,000)	(1,035,000)
Available-for-sale debt securities, at fair value	7,118,000	11,290,000
Obligations of U.S. Government agencies
Available-for-sale Securities
Available-for-sale securities, amortized cost	10,154,000	11,119,000
Available-for-sale securities, gross unrealized holding gains	0	0
Available-for-sale securities, gross unrealized holding losses	(1,129,000)	(1,173,000)
Available-for-sale debt securities, at fair value	9,025,000	9,946,000
Bank holding company debt securities
Available-for-sale Securities
Available-for-sale securities, amortized cost	28,958,000	28,952,000
Available-for-sale securities, gross unrealized holding gains	0	0
Available-for-sale securities, gross unrealized holding losses	(3,712,000)	(5,452,000)
Available-for-sale debt securities, at fair value	25,246,000	23,500,000
Obligations Of States And Political Subdivisions Tax Exempt
Available-for-sale Securities
Available-for-sale securities, amortized cost	111,995,000	113,464,000
Available-for-sale securities, gross unrealized holding gains	238,000	311,000
Available-for-sale securities, gross unrealized holding losses	(10,931,000)	(9,576,000)
Available-for-sale debt securities, at fair value	101,302,000	104,199,000
Obligations Of States And Political Subdivisions Taxable
Available-for-sale Securities
Available-for-sale securities, amortized cost	51,147,000	58,720,000
Available-for-sale securities, gross unrealized holding gains	0	0
Available-for-sale securities, gross unrealized holding losses	(8,641,000)	(8,609,000)
Available-for-sale debt securities, at fair value	42,506,000	50,111,000
Residential Passthrough Securities
Available-for-sale Securities
Available-for-sale securities, amortized cost	104,378,000	105,549,000
Available-for-sale securities, gross unrealized holding gains	6,000	40,000
Available-for-sale securities, gross unrealized holding losses	(9,970,000)	(10,184,000)
Available-for-sale debt securities, at fair value	94,414,000	95,405,000
Residential Collateralized Mortgage Obligations
Available-for-sale Securities
Available-for-sale securities, amortized cost	53,389,000	50,212,000
Available-for-sale securities, gross unrealized holding gains	10,000	0
Available-for-sale securities, gross unrealized holding losses	(3,505,000)	(3,750,000)
Available-for-sale debt securities, at fair value	49,894,000	46,462,000
Commercial Mortgage Backed Securities
Available-for-sale Securities
Available-for-sale securities, amortized cost	73,470,000	76,412,000
Available-for-sale securities, gross unrealized holding gains	0	0
Available-for-sale securities, gross unrealized holding losses	(8,969,000)	(9,730,000)
Available-for-sale debt securities, at fair value	64,501,000	66,682,000
Private label commercial mortgage-backed securities
Available-for-sale Securities
Available-for-sale securities, amortized cost	8,365,000	8,215,000
Available-for-sale securities, gross unrealized holding gains	9,000	0
Available-for-sale securities, gross unrealized holding losses	0	(55,000)
Available-for-sale debt securities, at fair value	$ 8,374,000	$ 8,160,000

SECURITIES - Available-for-sa_2

SECURITIES - Available-for-sale Securities With Unrealized Loss Positions (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	$ 51,258,000	$ 22,261,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(627,000)	(133,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	333,837,000	371,320,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(47,179,000)	(49,431,000)
Available-for-sale securities with unrealized loss positions, fair value	385,095,000	393,581,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(47,806,000)	(49,564,000)
Allowance for credit losses related to the available-for-sale portfolio	0	0
Obligations of the U.S. Treasury
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	0	0
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	0	0
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	7,118,000	11,290,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(949,000)	(1,035,000)
Available-for-sale securities with unrealized loss positions, fair value	7,118,000	11,290,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(949,000)	(1,035,000)
Obligations of U.S. Government agencies
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	0	1,595,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	0	(9,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	9,025,000	8,351,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(1,129,000)	(1,164,000)
Available-for-sale securities with unrealized loss positions, fair value	9,025,000	9,946,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(1,129,000)	(1,173,000)
Bank holding company debt securities
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	0	0
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	0	0
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	25,246,000	23,500,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(3,712,000)	(5,452,000)
Available-for-sale securities with unrealized loss positions, fair value	25,246,000	23,500,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(3,712,000)	(5,452,000)
Obligations Of States And Political Subdivisions Tax Exempt
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	6,581,000	3,257,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(58,000)	(24,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	91,316,000	96,758,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(10,873,000)	(9,552,000)
Available-for-sale securities with unrealized loss positions, fair value	97,897,000	100,015,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(10,931,000)	(9,576,000)
Obligations Of States And Political Subdivisions Taxable
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	0	0
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	0	0
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	42,506,000	49,961,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(8,641,000)	(8,609,000)
Available-for-sale securities with unrealized loss positions, fair value	42,506,000	49,961,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(8,641,000)	(8,609,000)
Residential Passthrough Securities
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	22,777,000	3,334,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(375,000)	(27,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	69,282,000	84,297,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(9,595,000)	(10,157,000)
Available-for-sale securities with unrealized loss positions, fair value	92,059,000	87,631,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(9,970,000)	(10,184,000)
Residential Collateralized Mortgage Obligations
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	19,586,000	3,588,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(156,000)	(2,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	27,157,000	32,808,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(3,349,000)	(3,748,000)
Available-for-sale securities with unrealized loss positions, fair value	46,743,000	36,396,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	(3,505,000)	(3,750,000)
Commercial Mortgage Backed Securities
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value	2,314,000	2,327,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses	(38,000)	(16,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value	62,187,000	64,355,000
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses	(8,931,000)	(9,714,000)
Available-for-sale securities with unrealized loss positions, fair value	64,501,000	66,682,000
Available-for-sale securities, with unrealized loss positions, unrealized losses	$ (8,969,000)	(9,730,000)
Private label commercial mortgage-backed securities
Available-for-sale Securities With Unrealized Loss Positions
Available-for-sale securities with unrealized loss positions, less than 12 months, fair value		8,160,000
Available-for-sale securities with unrealized loss positions, less than 12 months, unrealized losses		(55,000)
Available-for-sale securities with unrealized loss positions, 12 months or more, fair value		0
Available-for-sale securities with unrealized loss positions, 12 months or more, unrealized losses		0
Available-for-sale securities with unrealized loss positions, fair value		8,160,000
Available-for-sale securities, with unrealized loss positions, unrealized losses		$ (55,000)

SECURITIES - Gross Realized Gai

SECURITIES - Gross Realized Gains and Losses From Available-for-sale Debt Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
SECURITIES
Gross realized gains from sales	$ 0	$ 89	$ 48
Gross realized losses from sales	0	(3,125)	(28)
Net realized gains	0	(3,036)	20
Income tax provision related to net realized (losses) gains	$ 0	$ (638)	$ 4

SECURITIES - Available-for-sa_3

SECURITIES - Available-for-sale Debt Securities by Contractual Maturity (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Available-for-sale Securities
Due in one year or less, amortized cost	$ 5,296,000
Due in one year or less, fair value	5,252,000
Due from one year through five years. amortized cost	33,440,000
Due from one year through five years, fair value	31,113,000
Due from five years through ten years, amortized cost	78,665,000
Due from five years through ten years, fair value	70,174,000
Due after ten years, amortized cost	92,920,000
Due after ten years, fair value	78,658,000
Sub-total, amortized cost	210,321,000
Sub-total, fair value	185,197,000
Total, amortized cost	449,923,000	$ 464,968,000
Total, fair value	402,380,000	415,755,000
Secured public deposits, trusts and certain other deposits	144,066,000	136,494,000
Residential Passthrough Securities
Available-for-sale Securities
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies, amortized cost	104,378,000
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies, fair value	94,414,000
Total, amortized cost	104,378,000	105,549,000
Total, fair value	94,414,000	95,405,000
Residential Collateralized Mortgage Obligations
Available-for-sale Securities
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies, amortized cost	53,389,000
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies, fair value	49,894,000
Total, amortized cost	53,389,000	50,212,000
Total, fair value	49,894,000	46,462,000
Commercial Mortgage Backed Securities
Available-for-sale Securities
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies, amortized cost	73,470,000
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies, fair value	64,501,000
Total, amortized cost	73,470,000	76,412,000
Total, fair value	64,501,000	66,682,000
Private label commercial mortgage-backed securities
Available-for-sale Securities
Total, amortized cost	8,365,000	8,215,000
Total, fair value	$ 8,374,000	$ 8,160,000

SECURITIES - Collateral (Detail

SECURITIES - Collateral (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Investment Securities [Member]
SECURITIES
Investment pledged as collateral	$ 190,949,000	$ 232,437,000

SECURITIES - Debt Securities (D

SECURITIES - Debt Securities (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
SECURITIES
Gross unrealized holding losses on available-for-sale debt securities	$ 47,806,000	$ 49,564,000

SECURITIES - Equity Securities

SECURITIES - Equity Securities (Details)	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($) security	Dec. 31, 2022 USD ($) security
Equity Securities
Marketable equity security	$ 863,000	$ 871,000
Number of equity securities sold | security		0	0
Mutual Fund
Equity Securities
Number of mutual funds	1
Unrealized gain/loss on the mutual fund		$ 129,000
Net gains (losses) recognized during the period on equity securities	$ 137,000	129,000
Equity Securities, FV-NI, Unrealized Gain (Loss)	8,000	12,000	$ 112,000
Other Assets
Equity Securities
Federal Home Loan Bank Stock	6,299,000	6,252,000
Other Assets | Federal Home Loan Bank of Pittsburgh
Equity Securities
Federal Home Loan Bank Stock	$ 15,018,000	$ 15,214,000

LOANS AND ALLOWANCE FOR CREDI_3

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Summary of Loans by Type (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	$ 1,895,848,000	$ 1,848,139,000
Allowance for credit losses on loans	(20,035,000)	(19,208,000)	$ (16,615,000)
Loans, net	1,875,813,000	1,828,931,000
Net of deferred loan origination fees	4,136,000	4,459,000
Commercial | Commercial real estate - non-owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	739,565,000	737,342,000
Allowance for credit losses on loans	(11,964,000)	(12,010,000)	(6,305,000)
Commercial | Commercial real estate - owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	261,071,000	237,246,000
Allowance for credit losses on loans	(2,844,000)	(2,116,000)	(1,942,000)
Commercial | All other commercial loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	423,277,000	399,693,000
Allowance for credit losses on loans	(3,361,000)	(2,918,000)	(4,142,000)
Residential mortgage loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	408,009,000	413,714,000
Allowance for credit losses on loans	(1,356,000)	(1,764,000)	(2,751,000)
Consumer loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	63,926,000	60,144,000
Allowance for credit losses on loans	$ (510,000)	$ (400,000)	$ (475,000)

LOANS AND ALLOWANCE FOR CREDI_4

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Analysis of past due loans (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	$ 23,842	$ 15,177
Loans receivable	1,895,848	1,848,139
Past Due 30-89 Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	5,658	9,275
Past Due 90+ Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	119	3,190
Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	1,866,229	1,820,497
Commercial | Commercial real estate - non-owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	7,370	8,412
Loans receivable	739,565	737,342
Commercial | Commercial real estate - non-owner occupied | Past Due 30-89 Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	266	2,215
Commercial | Commercial real estate - non-owner occupied | Past Due 90+ Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	0	126
Commercial | Commercial real estate - non-owner occupied | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	731,929	726,589
Commercial | Commercial real estate - owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	1,725	1,575
Loans receivable	261,071	237,246
Commercial | Commercial real estate - owner occupied | Past Due 30-89 Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	0	849
Commercial | Commercial real estate - owner occupied | Past Due 90+ Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	62	0
Commercial | Commercial real estate - owner occupied | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	259,284	234,822
Commercial | All other commercial loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	10,006	1,323
Loans receivable	423,277	399,693
Commercial | All other commercial loans | Past Due 30-89 Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	296	229
Commercial | All other commercial loans | Past Due 90+ Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	0	2,593
Commercial | All other commercial loans | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	412,975	395,548
Residential mortgage loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	4,310	3,627
Loans receivable	408,009	413,714
Residential mortgage loans | Past Due 30-89 Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	4,934	5,365
Residential mortgage loans | Past Due 90+ Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	0	326
Residential mortgage loans | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	398,765	404,396
Consumer loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	431	240
Loans receivable	63,926	60,144
Consumer loans | Past Due 30-89 Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	162	617
Consumer loans | Past Due 90+ Days
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans	57	145
Consumer loans | Current
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable	$ 63,276	$ 59,142

LOANS AND ALLOWANCE FOR CREDI_5

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Loans By Credit Quality Indicators and Origination Year (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
LOANS
Year I	$ 205,074	$ 257,393
Year II	265,625	412,431
Year III	374,264	262,923
Year IV	232,836	137,357
Year V	122,770	148,253
Prior	523,842	467,441
Revolving	171,437	162,341
Total	1,895,848	1,848,139
Current period gross charge-offs
Year I	0	0
Year II	69	149
Year III	557	0
Year IV	67	18
Year V	29	3
Prior	880	36
Revolving	114	150
Total	1,716	356
Pass
LOANS
Year I	204,381	252,089
Year II	260,112	387,656
Year III	341,586	251,612
Year IV	223,782	136,582
Year V	122,579	146,522
Prior	497,702	439,577
Revolving	159,981	151,546
Total	1,810,123	1,765,584
Special Mention
LOANS
Year I	533	104
Year II	0	23,508
Year III	18,539	7,489
Year IV	1,373	8
Year V	0	116
Prior	9,149	7,148
Revolving	2,147	301
Total	31,741	38,674
Substandard
LOANS
Year I	160	5,200
Year II	5,513	1,267
Year III	14,139	3,822
Year IV	7,681	767
Year V	191	1,615
Prior	16,991	20,716
Revolving	9,309	10,494
Total	53,984	43,881
Doubtful
LOANS
Year I	0	0
Year II	0	0
Year III	0	0
Year IV	0	0
Year V	0	0
Prior	0	0
Revolving	0	0
Total	0	0
Commercial | Commercial real estate - non-owner occupied
LOANS
Year I	59,824	96,615
Year II	99,900	187,556
Year III	187,658	92,028
Year IV	80,255	55,408
Year V	51,851	80,702
Prior	260,077	225,033
Revolving	0	0
Total	739,565	737,342
Current period gross charge-offs
Year I	0	0
Year II	0	0
Year III	0	0
Year IV	0	0
Year V	0	0
Prior	757	0
Revolving	0	0
Total	757	0
Commercial | Commercial real estate - non-owner occupied | Pass
LOANS
Year I	59,708	96,615
Year II	99,900	167,484
Year III	161,497	89,582
Year IV	78,884	55,390
Year V	51,851	80,020
Prior	243,578	207,017
Revolving	0	0
Total	695,418	696,108
Commercial | Commercial real estate - non-owner occupied | Special Mention
LOANS
Year I	0	0
Year II	0	20,072
Year III	16,233	2,446
Year IV	1,371	0
Year V	0	116
Prior	8,188	6,188
Revolving	0	0
Total	25,792	28,822
Commercial | Commercial real estate - non-owner occupied | Substandard
LOANS
Year I	116	0
Year II	0	0
Year III	9,928	0
Year IV	0	18
Year V	0	566
Prior	8,311	11,828
Revolving	0	0
Total	18,355	12,412
Commercial | Commercial real estate - non-owner occupied | Doubtful
LOANS
Year I	0	0
Year II	0	0
Year III	0	0
Year IV	0	0
Year V	0	0
Prior	0	0
Revolving	0	0
Total	0	0
Commercial | Commercial real estate - owner occupied
LOANS
Year I	25,552	39,065
Year II	38,658	38,175
Year III	52,936	54,657
Year IV	51,777	12,858
Year V	11,444	17,505
Prior	80,704	74,986
Revolving	0	0
Total	261,071	237,246
Current period gross charge-offs
Year I	0	0
Year II	0	0
Year III	0	0
Year IV	0	0
Year V	0	0
Prior	0	0
Revolving	0	0
Total	0	0
Commercial | Commercial real estate - owner occupied | Pass
LOANS
Year I	25,552	33,761
Year II	33,533	37,429
Year III	52,207	52,090
Year IV	49,410	12,858
Year V	11,444	17,505
Prior	76,558	71,775
Revolving	0	0
Total	248,704	225,418
Commercial | Commercial real estate - owner occupied | Special Mention
LOANS
Year I	0	104
Year II	0	746
Year III	0	0
Year IV	0	0
Year V	0	0
Prior	961	166
Revolving	0	0
Total	961	1,016
Commercial | Commercial real estate - owner occupied | Substandard
LOANS
Year I	0	5,200
Year II	5,125	0
Year III	729	2,567
Year IV	2,367	0
Year V	0	0
Prior	3,185	3,045
Revolving	0	0
Total	11,406	10,812
Commercial | Commercial real estate - owner occupied | Doubtful
LOANS
Year I	0	0
Year II	0	0
Year III	0	0
Year IV	0	0
Year V	0	0
Prior	0	0
Revolving	0	0
Total	0	0
Commercial | All other commercial loans
LOANS
Year I	74,389	58,393
Year II	74,301	94,517
Year III	50,029	58,106
Year IV	49,598	28,179
Year V	23,193	17,100
Prior	31,734	26,205
Revolving	120,033	117,193
Total	423,277	399,693
Current period gross charge-offs
Year I	0	0
Year II	0	0
Year III	427	0
Year IV	60	0
Year V	21	0
Prior	122	0
Revolving	0	12
Total	630	12
Commercial | All other commercial loans | Pass
LOANS
Year I	73,812	58,393
Year II	74,301	90,560
Year III	44,245	51,813
Year IV	44,367	27,718
Year V	23,084	16,421
Prior	30,656	24,326
Revolving	109,121	107,234
Total	399,586	376,465
Commercial | All other commercial loans | Special Mention
LOANS
Year I	533	0
Year II	0	2,690
Year III	2,306	5,043
Year IV	2	8
Year V	0	0
Prior	0	794
Revolving	2,147	301
Total	4,988	8,836
Commercial | All other commercial loans | Substandard
LOANS
Year I	44	0
Year II	0	1,267
Year III	3,478	1,250
Year IV	5,229	453
Year V	109	679
Prior	1,078	1,085
Revolving	8,765	9,658
Total	18,703	14,392
Commercial | All other commercial loans | Doubtful
LOANS
Year I	0	0
Year II	0	0
Year III	0	0
Year IV	0	0
Year V	0	0
Prior	0	0
Revolving	0	0
Total	0	0
Residential mortgage
LOANS
Year I	41,450	57,300
Year II	49,317	87,519
Year III	80,789	56,183
Year IV	50,193	39,696
Year V	35,683	32,770
Prior	150,577	140,246
Revolving	0	0
Total	408,009	413,714
Current period gross charge-offs
Year I	0	0
Year II	0	0
Year III	0	0
Year IV	0	0
Year V	0	0
Prior	0	33
Revolving	0	0
Total	0	33
Residential mortgage | Pass
LOANS
Year I	41,450	57,300
Year II	48,937	87,519
Year III	80,789	56,183
Year IV	50,108	39,411
Year V	35,601	32,401
Prior	146,231	135,546
Revolving	0	0
Total	403,116	408,360
Residential mortgage | Special Mention
LOANS
Year I	0	0
Year II	0	0
Year III	0	0
Year IV	0	0
Year V	0	0
Prior	0	0
Revolving	0	0
Total	0	0
Residential mortgage | Substandard
LOANS
Year I	0	0
Year II	380	0
Year III	0	0
Year IV	85	285
Year V	82	369
Prior	4,346	4,700
Revolving	0	0
Total	4,893	5,354
Residential mortgage | Doubtful
LOANS
Year I	0	0
Year II	0	0
Year III	0	0
Year IV	0	0
Year V	0	0
Prior	0	0
Revolving	0	0
Total	0	0
Consumer
LOANS
Year I	3,859	6,020
Year II	3,449	4,664
Year III	2,852	1,949
Year IV	1,013	1,216
Year V	599	176
Prior	750	971
Revolving	51,404	45,148
Total	63,926	60,144
Current period gross charge-offs
Year I	0	0
Year II	69	149
Year III	130	0
Year IV	7	18
Year V	8	3
Prior	1	3
Revolving	114	138
Total	329	311
Consumer | Pass
LOANS
Year I	3,859	6,020
Year II	3,441	4,664
Year III	2,848	1,944
Year IV	1,013	1,205
Year V	599	175
Prior	679	913
Revolving	50,860	44,312
Total	63,299	59,233
Consumer | Special Mention
LOANS
Year I	0	0
Year II	0	0
Year III	0	0
Year IV	0	0
Year V	0	0
Prior	0	0
Revolving	0	0
Total	0	0
Consumer | Substandard
LOANS
Year I	0	0
Year II	8	0
Year III	4	5
Year IV	0	11
Year V	0	1
Prior	71	58
Revolving	544	836
Total	627	911
Consumer | Doubtful
LOANS
Year I	0	0
Year II	0	0
Year III	0	0
Year IV	0	0
Year V	0	0
Prior	0	0
Revolving	0	0
Total	$ 0	$ 0

LOANS AND ALLOWANCE FOR CREDI_6

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Nonaccrual Loans (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans with no allowance	$ 23,584,000	$ 7,391,000
Nonaccrual loans with an allowance	258,000	7,786,000
Total nonaccrual loans	23,842,000	15,177,000
Interest income on nonaccrual loans	1,042,000	932,000
Commercial | Commercial real estate - non-owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans with no allowance	7,370,000	1,111,000
Nonaccrual loans with an allowance	0	7,301,000
Total nonaccrual loans	7,370,000	8,412,000
Commercial | Commercial real estate - owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans with no allowance	1,467,000	1,281,000
Nonaccrual loans with an allowance	258,000	294,000
Total nonaccrual loans	1,725,000	1,575,000
Commercial | All other commercial loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans with no allowance	10,006,000	1,132,000
Nonaccrual loans with an allowance	0	191,000
Total nonaccrual loans	10,006,000	1,323,000
Residential mortgage
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans with no allowance	4,310,000	3,627,000
Nonaccrual loans with an allowance	0	0
Total nonaccrual loans	4,310,000	3,627,000
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Nonaccrual loans with no allowance	431,000	240,000
Nonaccrual loans with an allowance	0	0
Total nonaccrual loans	$ 431,000	$ 240,000

LOANS AND ALLOWANCE FOR CREDI_7

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Accrued Interest Receivables (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Accrued interest, written off	$ 269	$ 79
Commercial | Commercial real estate - non-owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Accrued interest, written off	22	48
Commercial | Commercial real estate - owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Accrued interest, written off	10	0
Commercial | All other commercial loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Accrued interest, written off	198	0
Residential mortgage
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Accrued interest, written off	29	28
Consumer
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Accrued interest, written off	$ 10	$ 3

LOANS AND ALLOWANCE FOR CREDI_8

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Amortized Cost Of Collateral Dependent Loans (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023	Jan. 01, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Allowance	$ 122,000	$ 743,000	$ 751,000
Commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized Cost	30,125,000	11,264,000
Allowance	122,000	743,000
Commercial | Commercial real estate - non-owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized Cost	7,370,000	8,412,000
Allowance	0	648,000
Commercial | Commercial real estate - owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized Cost	6,749,000	1,575,000
Allowance	122,000	5,000
Commercial | All other commercial loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Amortized Cost	16,006,000	1,277,000
Allowance	$ 0	$ 90,000

LOANS AND ALLOWANCE FOR CREDI_9

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Credit Losses (Details)	12 Months Ended
	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($) borrower	Jan. 01, 2023 USD ($)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	$ 19,208,000	$ 16,615,000
Charge-offs	(1,716,000)	(356,000)
Recoveries	113,000	92,000
Provision (credit) for credit losses on loans	2,430,000	753,000
Ending balance	20,035,000	19,208,000
Allowance for loan losses: individually evaluated	122,000	$ 743,000	$ 751,000
Number of loans evaluated on individual basis | borrower		2
Financing Receivable, Allowance for Credit Loss, Collectively Evaluated	19,913,000	$ 18,465,000
Adoption of ASU 2016-13 (CECL)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	2,104,000
Ending balance		2,104,000
Commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Allowance for loan losses: individually evaluated	122,000	743,000
Commercial | Commercial real estate - non-owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	12,010,000	6,305,000
Charge-offs	(757,000)	0
Recoveries	0	0
Provision (credit) for credit losses on loans	711,000	1,942,000
Ending balance	11,964,000	12,010,000
Allowance for loan losses: individually evaluated	0	648,000
Commercial | Commercial real estate - non-owner occupied | Adoption of ASU 2016-13 (CECL)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	3,763,000
Ending balance		3,763,000
Commercial | Commercial real estate - owner occupied
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	2,116,000	1,942,000
Charge-offs	0	0
Recoveries	0	0
Provision (credit) for credit losses on loans	728,000	167,000
Ending balance	2,844,000	2,116,000
Allowance for loan losses: individually evaluated	122,000	5,000
Commercial | Commercial real estate - owner occupied | Adoption of ASU 2016-13 (CECL)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	7,000
Ending balance		7,000
Commercial | All other commercial loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	2,918,000	4,142,000
Charge-offs	(630,000)	(12,000)
Recoveries	40,000	44,000
Provision (credit) for credit losses on loans	1,033,000	(1,168,000)
Ending balance	3,361,000	2,918,000
Allowance for loan losses: individually evaluated	0	90,000
Commercial | All other commercial loans | Adoption of ASU 2016-13 (CECL)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	(88,000)
Ending balance		(88,000)
Residential mortgage loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	1,764,000	2,751,000
Charge-offs	0	(33,000)
Recoveries	6,000	11,000
Provision (credit) for credit losses on loans	(414,000)	(621,000)
Ending balance	1,356,000	1,764,000
Residential mortgage loans | Adoption of ASU 2016-13 (CECL)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	(344,000)
Ending balance		(344,000)
Consumer loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	400,000	475,000
Charge-offs	(329,000)	(311,000)
Recoveries	67,000	37,000
Provision (credit) for credit losses on loans	372,000	433,000
Ending balance	510,000	400,000
Consumer loans | Adoption of ASU 2016-13 (CECL)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	(234,000)
Ending balance		(234,000)
Unallocated
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	0	1,000,000
Charge-offs		0
Recoveries		0
Provision (credit) for credit losses on loans		0
Ending balance		0
Unallocated | Adoption of ASU 2016-13 (CECL)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Beginning balance	$ (1,000,000)
Ending balance		$ (1,000,000)

LOANS AND ALLOWANCE FOR CRED_10

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Allowance for Loan Losses (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Allowance for Loan Losses
Beginning balance	$ 13,537
Charge-offs	(4,245)
Recoveries	68
Provision (Credit)	7,255
Ending balance	16,615
Commercial
Allowance for Loan Losses
Beginning balance	8,293
Charge-offs	(4,092)
Recoveries	0
Provision (Credit)	7,097
Ending balance	11,298
Commercial | Commercial loans secured by real estate
Allowance for Loan Losses
Beginning balance	4,405
Charge-offs	(3,942)
Recoveries	0
Provision (Credit)	6,611
Ending balance	7,074
Commercial | Commercial and industrial
Allowance for Loan Losses
Beginning balance	2,723
Charge-offs	(150)
Recoveries	0
Provision (Credit)	336
Ending balance	2,909
Commercial | Commercial construction and land
Allowance for Loan Losses
Beginning balance	637
Charge-offs	0
Recoveries	0
Provision (Credit)	10
Ending balance	647
Commercial | Loans secured by farmland
Allowance for Loan Losses
Beginning balance	115
Charge-offs	0
Recoveries	0
Provision (Credit)	(3)
Ending balance	112
Commercial | Multi-family (5 or more) residential
Allowance for Loan Losses
Beginning balance	215
Charge-offs	0
Recoveries	0
Provision (Credit)	196
Ending balance	411
Commercial | Agricultural loans
Allowance for Loan Losses
Beginning balance	25
Charge-offs	0
Recoveries	0
Provision (Credit)	(4)
Ending balance	21
Commercial | Other commercial loans
Allowance for Loan Losses
Beginning balance	173
Charge-offs	0
Recoveries	0
Provision (Credit)	(49)
Ending balance	124
Residential mortgage
Allowance for Loan Losses
Beginning balance	4,338
Charge-offs	0
Recoveries	19
Provision (Credit)	(284)
Ending balance	4,073
Residential mortgage | first liens
Allowance for Loan Losses
Beginning balance	3,650
Charge-offs	0
Recoveries	4
Provision (Credit)	(241)
Ending balance	3,413
Residential mortgage | junior liens
Allowance for Loan Losses
Beginning balance	184
Charge-offs	0
Recoveries	0
Provision (Credit)	(17)
Ending balance	167
Residential mortgage | Home equity lines of credit
Allowance for Loan Losses
Beginning balance	302
Charge-offs	0
Recoveries	15
Provision (Credit)	(35)
Ending balance	282
Residential mortgage | 1-4 Family residential construction
Allowance for Loan Losses
Beginning balance	202
Charge-offs	0
Recoveries	0
Provision (Credit)	9
Ending balance	211
Consumer
Allowance for Loan Losses
Beginning balance	235
Charge-offs	(153)
Recoveries	49
Provision (Credit)	113
Ending balance	244
Unallocated
Allowance for Loan Losses
Beginning balance	671
Charge-offs	0
Recoveries	0
Provision (Credit)	329
Ending balance	$ 1,000

LOANS AND ALLOWANCE FOR CRED_11

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Average Balance of Impaired Loans and Interest Income Recognized on Impaired Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Average Investment in Impaired Loans	$ 12,895
Interest Income Recognized on Impaired Loans on a Cash Basis	2,065
Commercial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Average Investment in Impaired Loans	12,244
Interest Income Recognized on Impaired Loans on a Cash Basis	2,030
Commercial | Commercial loans secured by real estate
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Average Investment in Impaired Loans	9,757
Interest Income Recognized on Impaired Loans on a Cash Basis	657
Commercial | Commercial and industrial
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Average Investment in Impaired Loans	2,078
Interest Income Recognized on Impaired Loans on a Cash Basis	210
Commercial | Commercial construction and land
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Average Investment in Impaired Loans	72
Interest Income Recognized on Impaired Loans on a Cash Basis	3
Commercial | Loans secured by farmland
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Average Investment in Impaired Loans	80
Interest Income Recognized on Impaired Loans on a Cash Basis	0
Commercial | Multi-family (5 or more) residential
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Average Investment in Impaired Loans	197
Interest Income Recognized on Impaired Loans on a Cash Basis	1,156
Commercial | Agricultural loans
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Average Investment in Impaired Loans	60
Interest Income Recognized on Impaired Loans on a Cash Basis	4
Residential mortgage
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Average Investment in Impaired Loans	651
Interest Income Recognized on Impaired Loans on a Cash Basis	35
Residential mortgage | first liens
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Average Investment in Impaired Loans	575
Interest Income Recognized on Impaired Loans on a Cash Basis	24
Residential mortgage | junior liens
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Average Investment in Impaired Loans	33
Interest Income Recognized on Impaired Loans on a Cash Basis	7
Residential mortgage | Home equity lines of credit
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Average Investment in Impaired Loans	43
Interest Income Recognized on Impaired Loans on a Cash Basis	$ 4

LOANS AND ALLOWANCE FOR CRED_12

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Modifications (Details)	3 Months Ended	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2024 USD ($) loan	Dec. 31, 2023 USD ($) loan	Dec. 31, 2022 USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Nonaccrual status amount	$ 15,177,000	$ 23,842,000	$ 15,177,000
Charge-offs		1,716,000	356,000
Allowance for Loan losses	19,208,000	20,035,000	19,208,000	$ 16,615,000
Commercial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost		2,843,000
Modified loans		2,843,000
Commercial | Current or Past Due Less than 30 Days
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified loans		2,843,000
Commercial | 90+ Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified loans		0
Commercial | Commercial real estate - non-owner occupied
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost	3,907,000	$ 2,625,000	$ 3,907,000
% of Total Loan Type		0.35%	0.53%
Modified loans	3,907,000	$ 2,625,000	$ 3,907,000
Nonaccrual status amount	8,412,000	7,370,000	8,412,000
Charge-offs		757,000	0
Allowance for Loan losses	$ 12,010,000	$ 11,964,000	$ 12,010,000	6,305,000
Commercial | Commercial real estate - non-owner occupied | One loan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of modifications to borrowers experiencing financial difficulty | loan		1	1
Added a weighted-average to the life of the loan			6 months
Commercial | Commercial real estate - non-owner occupied | Another loan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of modifications to borrowers experiencing financial difficulty | loan		1	1
Added a weighted-average to the life of the loan	12 months	6 months	12 months
Nonaccrual status amount		$ 1,814,000
Charge-offs		640,000
Allowance for Loan losses		0
Commercial | Commercial real estate - non-owner occupied | Current or Past Due Less than 30 Days
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified loans	$ 2,526,000	2,625,000	$ 2,526,000
Commercial | Commercial real estate - non-owner occupied | 90+ Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost		1,333,000
Modified loans	1,381,000	0	1,381,000
Principal payments received from modified loans		48,000
Commercial | Commercial real estate - owner occupied
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost		$ 218,000
% of Total Loan Type		0.08%
Modified loans		$ 218,000
Nonaccrual status amount	1,575,000	1,725,000	1,575,000
Charge-offs		0	0
Allowance for Loan losses	2,116,000	$ 2,844,000	2,116,000	$ 1,942,000
Commercial | Commercial real estate - owner occupied | One loan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of modifications to borrowers experiencing financial difficulty | loan		1
Added a weighted-average to the life of the loan		12 months
Commercial | Commercial real estate - owner occupied | Another loan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized cost		$ 1,814,000
Allowance for Loan losses	$ 486,000		$ 486,000
Commercial | Commercial real estate - owner occupied | Current or Past Due Less than 30 Days
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified loans		218,000
Commercial | Commercial real estate - owner occupied | 90+ Days Past Due
Financing Receivable, Troubled Debt Restructuring [Line Items]
Modified loans		$ 0

LOANS AND ALLOWANCE FOR CRED_13

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Foreclosed Residential Real Estate (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Residential mortgage
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Foreclosed residential real estate	$ 25	$ 47

LOANS AND ALLOWANCE FOR CRED_14

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Mortgage Loans in Process of Foreclosure (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Residential mortgage
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Residential real estate in process of foreclosure	$ 717	$ 1,227

LOANS AND ALLOWANCE FOR CRED_15

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Off-Balance Sheet Risk Amount (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Commitments to extend credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet risk contract amounts	$ 380,003	$ 395,997
Standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet risk contract amounts	$ 64,586	$ 19,158

LOANS AND ALLOWANCE FOR CRED_16

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Credit Losses For Off- Balance Sheet (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance	$ 690,000	$ 425,000
Recoveries	0	39,000
Credit for unfunded commitments	(235,000)	(567,000)
Balance	455,000	690,000
Accounting Standards Update 2022-02 | Adoption of ASU 2016-13 (CECL)
LOANS AND ALLOWANCE FOR CREDIT LOSSES
Balance	793,000
Balance	$ 0	$ 793,000

BANK PREMISES AND EQUIPMENT - S

BANK PREMISES AND EQUIPMENT - Summary of Bank Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
BANK PREMISES AND EQUIPMENT
Property, plant and equipment	$ 51,648	$ 51,387
Less: accumulated depreciation	(30,310)	(29,755)
Net	21,338	21,632
Land
BANK PREMISES AND EQUIPMENT
Property, plant and equipment	3,573	3,573
Buildings and improvements
BANK PREMISES AND EQUIPMENT
Property, plant and equipment	33,623	32,582
Furniture and equipment
BANK PREMISES AND EQUIPMENT
Property, plant and equipment	14,266	14,618
Construction in Progress
BANK PREMISES AND EQUIPMENT
Property, plant and equipment	$ 186	$ 614

BANK PREMISES AND EQUIPMENT - D

BANK PREMISES AND EQUIPMENT - Depreciation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Depreciation expense	$ 2,183	$ 2,151	$ 2,389
Occupancy Expense [Member]
Depreciation expense	2,122	1,915	2,049
Data processing and telecommunications expense
Depreciation expense	$ 61	$ 236	$ 340

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLE ASSETS, NET - Goodwill (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
GOODWILL AND OTHER INTANGIBLE ASSETS, NET
Change in the carrying amount of goodwill	$ 0	$ 0
Goodwill	52,505,000	52,505,000
Goodwill impairment charges	$ 0	$ 0	$ 0

GOODWILL AND OTHER INTANGIBLE_4

GOODWILL AND OTHER INTANGIBLE ASSETS, NET - Core Deposit Intangibles (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
GOODWILL AND OTHER INTANGIBLE ASSETS, NET
Gross amount	$ 6,639	$ 6,639
Accumulated amortization	(4,559)	(4,170)
Net	$ 2,080	$ 2,469

GOODWILL AND OTHER INTANGIBLE_5

GOODWILL AND OTHER INTANGIBLE ASSETS, NET - Amortization Expense Core Deposit Intangibles (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
GOODWILL AND OTHER INTANGIBLE ASSETS, NET
Amortization expense	$ 389	$ 408	$ 439

GOODWILL AND OTHER INTANGIBLE_6

GOODWILL AND OTHER INTANGIBLE ASSETS, NET - Future Amortization Expense (Details) $ in Thousands	Dec. 31, 2024 USD ($)
GOODWILL AND OTHER INTANGIBLE ASSETS, NET
2024	$ 424
2025	396
2026	361
2027	304
2028	$ 250

DEPOSITS - Scheduled Maturities

DEPOSITS - Scheduled Maturities of Time Deposits (Details) $ in Thousands	Dec. 31, 2024 USD ($)
DEPOSITS
2024	$ 347,705
2025	110,938
2026	14,523
2027	7,190
2028	4,001
Total	$ 484,357

DEPOSITS - Remaining Maturities

DEPOSITS - Remaining Maturities of Time Deposits In Excess of 250,000 (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
DEPOSITS
Time Deposits, at or Above FDIC Insurance Limit	$ 175,447,000	$ 134,085,000
Three months or less	38,392,000
Over 3 months through 12 months	83,209,000
Over 1 year through 3 years	53,446,000
Over 3 years	400,000
Total	$ 175,447,000	$ 134,085,000

BORROWED FUNDS - Short-term bor

BORROWED FUNDS - Short-term borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
BORROWED FUNDS AND SUBORDINATED DEBT
Short-term borrowings	$ 2,488	$ 33,874
FHLB-Pittsburgh borrowings
BORROWED FUNDS AND SUBORDINATED DEBT
Short-term borrowings	0	31,500
Customer repurchase agreements
BORROWED FUNDS AND SUBORDINATED DEBT
Short-term borrowings	$ 2,488	$ 2,374

BORROWED FUNDS - Short-term b_2

BORROWED FUNDS - Short-term borrowings - Additional information (Details) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2024	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
BORROWED FUNDS
Short-term Debt, Weighted Average Interest Rate, at Point in Time		0.10%	5.23%
Short-term borrowings		$ 2,488,000	$ 33,874,000
Line of Credit Facility, Maximum Month-end Outstanding Amount		61,936,000	120,290,000	$ 90,042,000
Other Assets [Member]
BORROWED FUNDS
Federal Home Loan Bank Stock		6,299,000	6,252,000
Other Correspondent Banks
BORROWED FUNDS
Line of Credit Facility, Maximum Borrowing Capacity		75,000,000
Long-term Line of Credit, Total		0	0
Federal Reserve Bank of Philadelphia | Collateral Pledged
BORROWED FUNDS
Investment pledged as collateral		$ 18,881,000	$ 20,829,000
Customer repurchase agreements
BORROWED FUNDS
Debt, Weighted Average Interest Rate		0.10%	0.10%
Carrying Value of Securities Sold under Repurchase Agreements and Deposits Received for Securities Loaned, Total		$ 2,500,000	$ 2,400,000
Short-term borrowings		2,488,000	2,374,000
FHLB-Pittsburgh borrowings
BORROWED FUNDS
Short-term borrowings		0	31,500,000
Federal Home Loan Bank of Pittsburgh
BORROWED FUNDS
Line of Credit Facility, Maximum Borrowing Capacity		938,691,000	926,845,000
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged		1,351,770,000	1,323,008,000
Line of Credit Facility, Remaining Borrowing Capacity		749,999,000	737,824,000
Federal Home Loan Bank of Pittsburgh | Other Assets [Member]
BORROWED FUNDS
Federal Home Loan Bank Stock		15,018,000	15,214,000
Federal Home Loan Bank of Pittsburgh | Federal Reserve Bank of Philadelphia
BORROWED FUNDS
Line of Credit Facility, Maximum Borrowing Capacity		18,093,000	19,982,000
Long-term Line of Credit, Total		0	0
Federal Home Loan Bank of Pittsburgh | Overnight Borrowing
BORROWED FUNDS
Short-term borrowings		$ 0	$ 6,500,000
Overnight interest rate			5.68%
Weighted average interest rate	5.60%
Federal Home Loan Bank of Pittsburgh | FHLB-Pittsburgh borrowings
BORROWED FUNDS
Short-term borrowings			$ 25,000,000

BORROWED FUNDS - Long-term Borr

BORROWED FUNDS - Long-term Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Long-term Borrowing
Long-term borrowings	$ 165,451	$ 138,337
Loans maturing in 2029 with a weighted-average rate of 4.42%
Long-term Borrowing
Long-term borrowings	$ 12,319	$ 0
Rate	4.42%
Loans maturing in 2024 with a weighted-average rate of 2.89%
Long-term Borrowing
Rate	3.09%	3.09%
Loans maturing in 2025 with a weighted-average rate of 4.12%
Long-term Borrowing
Rate	4.30%	4.30%
Loans maturing in 2026 with a weighted-average rate of 4.44%
Long-term Borrowing
Rate	4.61%	4.61%
Loans maturing in 2027 with a weighted-average rate of 4.00%
Long-term Borrowing
Rate	4.24%	4.24%
Loan maturing in 2028 with a rate of 3.72%
Long-term Borrowing
Rate	4.30%	4.30%
Federal Home Loan Bank of Pittsburgh
Long-term Borrowing
Long-term borrowings	$ 165,451	$ 138,337
Federal Home Loan Bank of Pittsburgh | Loans maturing in 2024 with a weighted-average rate of 3.09% [Member]
Long-term Borrowing
Long-term borrowings	0	32,161
Federal Home Loan Bank of Pittsburgh | Loans maturing in 2025 with a weighted-average rate of 4.30%
Long-term Borrowing
Long-term borrowings	44,516	44,627
Federal Home Loan Bank of Pittsburgh | Loans maturing in 2026 with a weighted-average rate of 4.61%
Long-term Borrowing
Long-term borrowings	48,018	35,518
Federal Home Loan Bank of Pittsburgh | Loans maturing in 2027 with a weighted-average rate of 4.24%
Long-term Borrowing
Long-term borrowings	34,571	24,031
Federal Home Loan Bank of Pittsburgh | Loans maturing in 2028 with a weighted-average rate of 4.30%
Long-term Borrowing
Long-term borrowings	$ 26,027	$ 2,000

BORROWED FUNDS - Senior Notes (

BORROWED FUNDS - Senior Notes (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Senior notes, net	$ 14,899,000	$ 14,831,000
Senior Notes with an aggregate par value of $15,000,000; bearing interest at 2.75% with an effective interest rate of 3.23%; maturing in June 2026
Debt Instrument [Line Items]
Aggregate par value	$ 15,000,000	$ 15,000,000		$ 15,000,000
Stated interest rate	2.75%	2.75%		2.75%
Debt issuance costs				$ 337,000
Senior notes, net	$ 14,899,000	$ 14,831,000		$ 14,663,000
Amortization of debt issuance costs	$ 68,000	$ 66,000	$ 64,000
Effective interest rate	3.23%	3.23%

BORROWED FUNDS - Subordinated D

BORROWED FUNDS - Subordinated Debt (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Subordinated debt, net	$ 24,831,000	$ 24,717,000
3.25% maturing in June 2031 and redeemable at par in June 2026
Debt Instrument [Line Items]
Aggregate par value	$ 25,000,000	$ 25,000,000		$ 25,000,000
Stated interest rate	3.25%	3.25%		3.25%
Debt issuance costs				$ 563,000
Subordinated debt, net	$ 24,831,000	$ 24,717,000		$ 24,437,000
Amortization of debt issuance costs	$ 114,000	$ 110,000	$ 106,000
Effective interest rate	3.74%	3.74%
3.25% maturing in June 2031 and redeemable at par in June 2026 | Debt Instrument, Redemption, Period One
Debt Instrument [Line Items]
Stated interest rate				3.25%
Debt Instrument, Redemption Period, End Date				Jun. 01, 2031
3.25% maturing in June 2031 and redeemable at par in June 2026 | Debt Instrument, Redemption, Period Two
Debt Instrument [Line Items]
Debt Instrument, Redemption Period, Start Date				Jun. 01, 2026
Debt Instrument, Redemption Period, End Date				Jun. 01, 2026
Debt Instrument, Basis Spread on Variable Rate				2.59%

EMPLOYEE AND POSTRETIREMENT B_3

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Funded Status of Defined Benefit Plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pension Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Benefit obligation at beginning of year	$ 896	$ 946
Service cost	0	0	$ 0
Interest cost	29	31	22
Plan participants' contributions	0	0
Actuarial loss	18	63
Gain from plan amendments	0	0
Benefits paid	(5)	(5)
Settlement of plan obligation	0	(139)
Benefit obligation at end of year	938	896	946
Fair value of plan assets at beginning of year	946	1,001
Actual return on plan assets	36	89
Employer contribution	0	0
Plan participants' contributions	0	0
Benefits paid	(5)	(5)
Settlement of plan obligation	0	(139)
Fair value of plan assets at end of year	977	946	1,001
Funded status at end of year	39	50
Other Postretirement Benefits Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Benefit obligation at beginning of year	1,013	935
Service cost	6	54	63
Interest cost	31	48	34
Plan participants' contributions	118	129
Actuarial loss	10	37
Gain from plan amendments	(413)	0
Benefits paid	(179)	(190)
Settlement of plan obligation	0	0
Benefit obligation at end of year	586	1,013	935
Fair value of plan assets at beginning of year	0	0
Actual return on plan assets	0	0
Employer contribution	61	61
Plan participants' contributions	118	129
Benefits paid	(179)	(190)
Settlement of plan obligation	0	0
Fair value of plan assets at end of year	0	0	$ 0
Funded status at end of year	$ (586)	$ (1,013)

EMPLOYEE AND POSTRETIREMENT B_4

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Liabilities in Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Pension Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Accrued interest and other liabilities	$ 39	$ 50
Other Postretirement Benefits Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Accrued interest and other liabilities	$ 586	$ 1,013

EMPLOYEE AND POSTRETIREMENT B_5

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Items Included in Accumulated Other Comprehensive Income (Details) - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Pension Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Prior service cost	$ 0	$ 0
Net actuarial loss (gain)	131,000	139,000
Total	131,000	139,000
Amortization of net actuarial loss in 2024	5,000
Accumulated benefit obligation	938,000	896,000
Other Postretirement Benefits Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Prior service cost	(56,000)	(124,000)
Net actuarial loss (gain)	(486,000)	(573,000)
Total	(542,000)	$ (697,000)
Amortization of net actuarial loss in 2024	83,000
Adjustment in unrecognized prior service cost	413,000
Curtailment adjustment	469,000
Reduction in prior service cost in 2024	$ 8,000

EMPLOYEE AND POSTRETIREMENT B_6

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Net Periodic Benefit Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pension Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Service cost	$ 0	$ 0	$ 0
Interest cost	29	31	22
Expected return on plan assets	(16)	(18)	(35)
Amortization of prior service cost	0	0	0
Recognized net actuarial loss (gain)	6	11	8
Effect of curtailment	0	0	0
Settlement of plan obligation	0	21	0
Total net periodic benefit cost	19	45	(5)
Other Postretirement Benefits Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Service cost	6	54	63
Interest cost	31	48	34
Expected return on plan assets	0	0	0
Amortization of prior service cost	(12)	(31)	(31)
Recognized net actuarial loss (gain)	(77)	(36)	(19)
Effect of curtailment	(469)	0	0
Settlement of plan obligation	0	0	0
Total net periodic benefit cost	$ (521)	$ 35	$ 47

EMPLOYEE AND POSTRETIREMENT B_7

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Assumptions Used to Determine Net Periodic Benefit Cost (Details)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Pension Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Discount rate	4.80%	5.05%	2.60%
Expected return on plan assets	5%	4.22%	5%
Discount rate	5.35%	4.80%
Other Postretirement Benefits Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Discount rate	5%	5.25%	3%
Discount rate	5.29%	5%

EMPLOYEE AND POSTRETIREMENT B_8

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Future Benefit Payments (Details)	Dec. 31, 2024 USD ($)
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Estimated Minimum Contribution to Defined Benefit Pension Plan	$ 0
Pension Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
2024	620,000
2025	14,000
2026	9,000
2027	250,000
2028	8,000
2029-2033	38,000
Other Postretirement Benefits Plan
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
2024	68,000
2025	67,000
2026	59,000
2027	59,000
2028	54,000
2029-2033	$ 233,000

EMPLOYEE AND POSTRETIREMENT B_9

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Plan Assets Allocation (Details)	Dec. 31, 2024	Dec. 31, 2023
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Percentage of plan assets	100%	100%
Cash and Cash Equivalents
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Percentage of plan assets	100%	54%
Debt Securities
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Percentage of plan assets	0%	18%
Equity Securities
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Percentage of plan assets	0%	24%
Alternative Funds
EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS
Percentage of plan assets	0%	4%

EMPLOYEE AND POSTRETIREMENT _10

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Profit Sharing and Deferred Compensation Plans (Details)	12 Months Ended
	Dec. 31, 2024 USD ($) age shares	Dec. 31, 2023 USD ($) shares	Dec. 31, 2022 USD ($) shares
Defined Contribution Plan Disclosure [Line Items]
Matching contributions	$ 1,468,000	$ 1,419,000	$ 1,415,000
Employee Stock Ownership Plan (ESOP), Diversification Feature, Age Requirement | age	55
Deferred Compensation Arrangement with Individual, Requisite Service Period	10 years
Employee Stock Ownership Plan (ESOP), Diversification Feature Percentage	50%
Employee Stock Ownership Plan (ESOP), Policy Diversification Feature Term	6 years
Employee Stock Ownership Plan (ESOP), Shares Repurchased | shares		0	0
Employee Stock Ownership Plan (ESOP), Shares in ESOP, Total | shares	618,148	579,567	564,353
Employee Stock Ownership Plan (ESOP), Cash Contributions to ESOP	$ 665,000	$ 1,244,000	$ 1,170,000
Deferred Compensation, Monthly Payments To Be Made To Executives Or His Heirs	$ 1,000,000
Deferred Compensation Arrangement with Individual, Maximum Contractual Term	10 years
Nonqualified supplemental deferred compensation arrangement
Defined Contribution Plan Disclosure [Line Items]
Deferred Compensation Arrangement with Individual, Compensation Expense	$ 223,000	489,000	391,000
Nonqualified supplemental deferred compensation arrangement | Accrued interest and other liabilities
Defined Contribution Plan Disclosure [Line Items]
Deferred compensation arrangement liability	$ 3,164,000	3,025,000
Supplemental retirement benefit to a former executive In connection with an acquisition
Defined Contribution Plan Disclosure [Line Items]
Deferred Compensation Liability Discount Rate	1.50%
Supplemental retirement benefit to a former executive In connection with an acquisition | Accrued interest and other liabilities
Defined Contribution Plan Disclosure [Line Items]
Supplemental retirement benefit liability	$ 919,000	905,000
Supplemental retirement benefit to a former executive In connection with an acquisition | Pension And Other Employee Benefits Expenses
Defined Contribution Plan Disclosure [Line Items]
Deferred Compensation Arrangement with Individual, Compensation Expense	$ 14,000	$ 13,000	$ 14,000

EMPLOYEE AND POSTRETIREMENT _11

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Stock Based Compensation Paragraphs (Details) - USD ($)	1 Months Ended	12 Months Ended
	Jan. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Apr. 20, 2023	Dec. 31, 2021
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value		$ 14,000	$ 76,000
Share-based Payment Arrangement, Expense		$ 1,494,000	$ 1,472,000	$ 1,260,000
Outstanding stock options		0	646	10,564		24,218
Employee Stock Option
STOCK-BASED COMPENSATION PLANS
Share-based Payment Arrangement, Expense		$ 0	$ 0	$ 0
Restricted Stock
STOCK-BASED COMPENSATION PLANS
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount, Total		$ 1,639,000
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition		1 year 6 months
Granted (in shares)		92,860
Share-based Payment Arrangement, Expense		$ 1,494,000	$ 1,472,000	$ 1,260,000
Stock Incentive Plan | Restricted Stock
STOCK-BASED COMPENSATION PLANS
Shares awarded (in shares)		92,860	53,788
Stock Incentive Plan | Restricted Stock | Employees
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)		3 years	3 years
Shares awarded (in shares)		63,514	31,684
Stock Incentive Plan | Performance Shares | Employees
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)		3 years	3 years
Shares awarded (in shares)		19,346	11,104
Independent Directors Stock Incentive Plan | Restricted Stock | Independent directors
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)		1 year	1 year
Shares awarded (in shares)		10,000	11,000
2023 Equity Incentive Plan
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized					500,000
Shares awarded (in shares)		92,860
2023 Equity Incentive Plan | Restricted Stock
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)	3 years
Granted (in shares)	31,113
2023 Equity Incentive Plan | Performance Based Restricted Stock Award
STOCK-BASED COMPENSATION PLANS
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)	3 years
Granted (in shares)	11,848

EMPLOYEE AND POSTRETIREMENT _12

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Stock-based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
STOCK-BASED COMPENSATION PLANS
Stock-based compensation expense	$ 1,494	$ 1,472	$ 1,260
Restricted Stock
STOCK-BASED COMPENSATION PLANS
Stock-based compensation expense	1,494	1,472	1,260
Employee Stock Option [Member]
STOCK-BASED COMPENSATION PLANS
Stock-based compensation expense	$ 0	$ 0	$ 0

EMPLOYEE AND POSTRETIREMENT _13

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Non-vested Stock Options and Restricted Stock Activity (Details) - Restricted Stock	12 Months Ended
	Dec. 31, 2024 $ / shares shares
Number of Shares
Outstanding, beginning of period (in shares) | shares	110,009
Granted (in shares) | shares	92,860
Vested (in shares) | shares	(62,969)
Forfeited (in shares) | shares	(2,076)
Outstanding, end of period (in shares) | shares	137,824
Weighted Average Grant Date Fair Value
Outstanding, at beginning of period (in dollars per share) | $ / shares	$ 23.44
Granted, (in dollars per share) | $ / shares	20.69
Vested, (in dollars per share) | $ / shares	22.97
Forfeited, (in dollars per share) | $ / shares	23.37
Outstanding, at end period, (in dollars per share) | $ / shares	$ 21.8

EMPLOYEE AND POSTRETIREMENT _14

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Awarded Shares of Restricted Stock Under Stock Incentive Plan (Details) - shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023
Restricted Stock | Independent Directors Stock Incentive Plan | Director [Member]
STOCK-BASED COMPENSATION PLANS
Shares awarded (in shares)	10,000	11,000
Restricted Stock | Stock Incentive Plan
STOCK-BASED COMPENSATION PLANS
Shares awarded (in shares)	92,860	53,788
Restricted Stock | Stock Incentive Plan | Employees
STOCK-BASED COMPENSATION PLANS
Shares awarded (in shares)	63,514	31,684
Performance Shares | Stock Incentive Plan | Employees
STOCK-BASED COMPENSATION PLANS
Shares awarded (in shares)	19,346	11,104

EMPLOYEE AND POSTRETIREMENT _15

EMPLOYEE AND POSTRETIREMENT BENEFIT PLANS - Stock Option Activity (Details) - $ / shares	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Outstanding, beginning of year (in shares)	646	10,564	24,218
Granted (in shares)	0	0	0
Exercised (in shares)	0	(8,288)	(13,654)
Forfeited (in shares)	0	(1,630)	0
Expired (in shares)	(646)	0	0
Outstanding, end of year (in shares)	0	646	10,564
Options exercisable at year-end (in shares)	0	646	10,564
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Outstanding, beginning of year (in dollars per share)	$ 20.45	$ 20.45	$ 20.01
Granted (in dollars per share)			0
Exercised (in dollars per share)	0	20.45	19.67
Forfeited (in dollars per share)		20.45	0
Expired (in dollars per share)	20.45	0	0
Outstanding, end of year (in dollars per share)	0	20.45	20.45
Options exercisable at year-end (in dollars per share)	$ 0	20.45	$ 20.45
Weighted-average fair value of options forfeited (in dollars per share)		$ 5.5

INCOME TAXES - Net Deferred Tax

INCOME TAXES - Net Deferred Tax Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Deferred tax assets:
Unrealized holding losses on securities	$ 10,459	$ 10,335
Allowance for credit losses on loans	4,400	4,230
Purchase accounting adjustments on loans	333	470
Deferred compensation	1,465	1,352
Deferred loan origination fees	697	731
Operating leases liability	692	787
Accrued incentive compensation	678	463
Net operating loss carryforward	423	541
Other deferred tax assets	1,520	1,316
Total deferred tax assets	20,667	20,225
Deferred tax liabilities:
Right-of-use assets from operating leases	692	787
Core deposit intangibles	456	544
Bank premises and equipment	290	291
Defined benefit plans - ASC 835	90	119
BOLI surrender	0	950
Other deferred tax liabilities	41	93
Total deferred tax liabilities	1,569	2,784
Deferred tax asset, net	$ 19,098	$ 17,441

INCOME TAXES - Provision for In

INCOME TAXES - Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Provision for income taxes
Currently payable	$ 7,417	$ 5,499	$ 5,998
Tax expense resulting from allocations of certain tax benefits to equity or as a reduction in other assets	0	0	134
Deferred	(1,504)	836	(400)
Total provision	$ 5,913	$ 6,335	$ 5,732

INCOME TAXES - Reconciliation o

INCOME TAXES - Reconciliation of Income Tax (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
INCOME TAXES
Expected provision	$ 6,693	$ 6,401	$ 6,794
Tax-exempt interest income	(964)	(964)	(1,029)
Increase in cash surrender value and other income from life insurance, net	(369)	(586)	(103)
ESOP Dividends	(144)	(143)	(130)
Initiated surrender of bank-owned life insurance	0	950	0
State income tax, net of Federal benefit	297	329	296
Nondeductible interest expense	368	283	87
Other, net	32	65	(183)
Effective income tax provision, Total	$ 5,913	$ 6,335	$ 5,732
Expected provision	21%	21%	21%
Tax-exempt interest income, percentage	3%	3.20%	3.20%
Increase in cash surrender value and other income from life insurance, net, percentage	(1.20%)	(1.90%)	(0.30%)
ESOP Dividends, percentage	(0.50%)	(0.50%)	(0.40%)
Initiated surrender of bank-owned life insurance percentage	0%	3.10%	0%
State income tax, net of federal benefit, percentage	0.90%	1.10%	0.90%
Nondeductible interest expense, percentage	1.30%	0.90%	0.30%
Other, net, percentage	0.10%	0.30%	(0.60%)
Effective income tax provision, percentage	18.60%	20.80%	17.70%

INCOME TAXES - Paragraphs (Deta

INCOME TAXES - Paragraphs (Details)	12 Months Ended
	Dec. 31, 2024 USD ($)
INCOME TAXES
Net operating loss	$ 2,000,000
Annual offset of net operating loss	$ 563,000
Threshold percentage of taxable income to use net operating loss	80%
Unrecognized Tax Benefits, Ending Balance	$ 0

RELATED PARTY TRANSACTIONS - (D

RELATED PARTY TRANSACTIONS - (Details)	12 Months Ended
	Dec. 31, 2024 USD ($) person director	Dec. 31, 2023 USD ($) director person	Dec. 31, 2022 USD ($) person director
Related Party Transactions
Number of directors | director	11	11	13
Number of executive directors | person	11	11	10
Related Party Deposit Liabilities	$ 12,259,000	$ 9,014,000
Management
Related Party Transactions
Beginning Balance	13,975,000	14,504,000	$ 13,911,000
New Loans	1,579,000	549,000	1,949,000
Repayments	(2,212,000)	(823,000)	(1,886,000)
Other Changes	106,000	(255,000)	530,000
Ending Balance	$ 13,448,000	$ 13,975,000	$ 14,504,000

OFF-BALANCE SHEET RISK - Financ

OFF-BALANCE SHEET RISK - Financial Instruments Whose Contract Amounts Represent Credit Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Commitments to extend credit
Off-Balance Sheet Risk
Credit risk financial instrument	$ 380,003	$ 395,997
Standby letters of credit
Off-Balance Sheet Risk
Credit risk financial instrument	$ 64,586	$ 19,158

OFF-BALANCE SHEET RISK - Standb

OFF-BALANCE SHEET RISK - Standby Letters of Credit Expirations (Details) - Standby letters of credit - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Off-Balance Sheet Risk
2024	$ 64,485
2025	25
2026	48
2027	28
2028	0
Total	$ 64,586	$ 19,158

OPERATING LEASE COMMITMENTS A_3

OPERATING LEASE COMMITMENTS AND CONTINGENCIES - Assets and Liabilities (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Operating Leases Commitments
Operating Lease, Right-of-Use Asset	$ 3,151,000	$ 3,570,000
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other assets.	Other assets.
Operating Lease, Liability	$ 3,151,000	$ 3,570,000
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other Liabilities	Other Liabilities
Minimum
Operating Leases Commitments
Lessee, Operating Lease, Renewal Term	1 year
Lessee, Operating Lease, Discount Rate	1.27%
Maximum
Operating Leases Commitments
Lessee, Operating Lease, Renewal Term	8 years
Lessee, Operating Lease, Discount Rate	4.16%
Weighted average
Operating Leases Commitments
Remaining lease terms	4 years 1 month 6 days	4 years 7 months 6 days
Lessee, Operating Lease, Discount Rate	1.96%	1.96%

OPERATING LEASE COMMITMENTS A_4

OPERATING LEASE COMMITMENTS AND CONTINGENCIES - Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Operating Leases Commitments
Operating lease expense	$ 666	$ 644	$ 599
Net occupancy and equipment expense
Operating Leases Commitments
Operating lease expense	$ 666	$ 644	$ 599

OPERATING LEASE COMMITMENTS A_5

OPERATING LEASE COMMITMENTS AND CONTINGENCIES - Maturity (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
OPERATING LEASE COMMITMENTS AND CONTINGENCIES
2024	$ 671,000
2025	595,000
2026	518,000
2027	419,000
2028	373,000
Thereafter	774,000
Total lease payments	3,350,000
Discount on cash flows	(199,000)
Total lease liabilities	$ 3,151,000	$ 3,570,000

OPERATING LEASE COMMITMENTS A_6

OPERATING LEASE COMMITMENTS AND CONTINGENCIES - Class Action Litigation (Details) - Ponzi Scheme	Mar. 27, 2024 plaintiff individual	Dec. 31, 2024 USD ($)
Litigation Matters
Number of operators of Ponzi scheme	2
Number of Ponzi scheme operator with account	1
Number of plaintiffs deposed | plaintiff	4
Liability recorded | $		$ 0

REGULATORY MATTERS - Capital Am

REGULATORY MATTERS - Capital Amounts and Ratios (Details) $ in Thousands	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Total capital to risk-weighted assets - actual amount	$ 302,783	$ 290,425
Total capital to risk-weighted assets - actual ratio	0.1595	0.1567
Total capital to risk-weighted assets - minimum to meet the corporation's policy thresholds amount	$ 208,779	$ 203,809
Tier 1 capital to risk-weighted assets - actual amount	$ 257,462	$ 245,810
Tier 1 capital to risk-weighted assets - actual ratio	0.1356	0.1327
Tier 1 capital to risk-weighted assets - minimum to meet the corporation's policy thresholds amount	$ 170,819	$ 166,753
Common equity Tier 1 - amount	$ 257,462	$ 245,810
Common equity Tier 1 - ratio	0.1356	0.1327
Common equity Tier 1 - minimum to meet the corporation's policy thresholds amount	$ 142,349	$ 138,961
Tier 1 capital average - amount	$ 257,462	$ 245,810
Tier 1 capital average - ratio	0.098	0.0987
Tier 1 capital average - minimum to meet the corporation's policy threshold amount	$ 210,160	$ 199,151
Citizens and Northern Bank [Member]
Total capital to risk-weighted assets - actual amount	$ 287,721	$ 275,307
Total capital to risk-weighted assets - actual ratio	0.1519	0.1489
Total capital to risk-weighted assets - minimum to meet the corporation's policy thresholds amount	$ 208,405	$ 203,396
Total capital to risk-weighted assets - minimum capital requirement amount	151,567	147,925
Total capital to risk-weighted assets - minimum capital requirement with conservation buffer amount	198,832	194,151
Total capital to risk-weighted assets - minimum to be well capitalized under prompt corrective action provisions amount	189,459	184,906
Tier 1 capital to risk-weighted assets - actual amount	$ 267,231	$ 255,409
Tier 1 capital to risk-weighted assets - actual ratio	0.141	0.1381
Tier 1 capital to risk-weighted assets - minimum to meet the corporation's policy thresholds amount	$ 170,513	$ 166,415
Tier 1 capital to risk-weighted assets - minimum capital requirement amount	113,675	110,943
Tier 1 capital to risk-weighted assets - minimum capital requirement with conservation buffer amount	161,040	157,170
Tier 1 capital to risk-weighted assets - minimum to be well capitalized under prompt corrective action provisions amount	151,567	147,925
Common equity Tier 1 - amount	$ 267,231	$ 255,409
Common equity Tier 1 - ratio	0.141	0.1381
Common equity Tier 1 - minimum to meet the corporation's policy thresholds amount	$ 142,094	$ 138,679
Common equity Tier 1 - minimum capital requirement amount	85,256	83,208
Common equity Tier 1 - capital conservation buffer amount	132,621	129,434
Common equity Tier 1 Capital - minimum to be well capitalized under prompt corrective action provisions amount	123,148	120,189
Tier 1 capital average - amount	$ 267,231	$ 255,409
Tier 1 capital average - ratio	0.1023	0.1032
Tier 1 capital average - minimum to meet the corporation's policy threshold amount	$ 209,027	$ 198,020
Tier 1 capital average - minimum capital amount	104,514	99,010
Tier 1 capital average - minimum to be well capitalized amount	$ 130,642	$ 123,762

REGULATORY MATTERS - Transition

REGULATORY MATTERS - Transition Schedule for New Ratios, Including the Capital Conservation Buffer (Details) - Phased in Beginning 2018	Dec. 31, 2024
Minimum common equity tier 1 capital ratio	0.045%
Minimum common equity tier 1 capital ratio plus capital conservation buffer	0.07%
Minimum tier 1 capital ratio	0.06
Minimum tier 1 capital ratio plus capital conservation buffer	0.085%
Minimum total capital ratio	0.08
Minimum total capital ratio plus capital conservation buffer	0.105%

REGULATORY MATTERS - Payout Res

REGULATORY MATTERS - Payout Restrictions Based on the Capital Conservation Buffer (Details)	Dec. 31, 2024
Capital Conservation Buffer, Lower Limit	0.025%
Range One
Maximum Payout	60%
Capital Conservation Buffer, Lower Limit	0.025%
Capital Conservation Buffer, Upper Limit	1.875%
Range Two
Maximum Payout	40%
Capital Conservation Buffer, Lower Limit	1.875%
Capital Conservation Buffer, Upper Limit	0.0125%
Range Three
Maximum Payout	20%
Capital Conservation Buffer, Lower Limit	1.25%
Capital Conservation Buffer, Upper Limit	0.625%
Range Four
Maximum Payout	0%
Capital Conservation Buffer, Upper Limit	0.625%

REGULATORY MATTERS - Paragraphs

REGULATORY MATTERS - Paragraphs (Details)	Dec. 31, 2024 USD ($)
REGULATORY MATTERS
Capital Conservation Buffer	0.0719%
Retained Earnings, Unappropriated	$ 111,443,000
Tangible Capital to Tangible Assets	0.10
Tangible Capital	$ 26,443,000

PARENT COMPANY ONLY - Condensed

PARENT COMPANY ONLY - Condensed Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Other assets	$ 51,135	$ 46,681
TOTAL ASSETS	2,610,653	2,515,584
LIABILITIES AND STOCKHOLDERS' EQUITY
Senior notes, net	14,899	14,831
Subordinated debt, net	24,831	24,717
Accrued interest and other liabilities	33,791	26,638
Stockholders' equity	275,284	262,381	$ 249,325	$ 301,405
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	2,610,653	2,515,584
Parent Company
ASSETS
Cash	16,013	14,822
Other assets	136	200
TOTAL ASSETS	315,186	302,128
LIABILITIES AND STOCKHOLDERS' EQUITY
Senior notes, net	14,899	14,831
Subordinated debt, net	24,831	24,717
Accrued interest and other liabilities	172	199
Stockholders' equity	275,284	262,381
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	315,186	302,128
Subsidiaries [Member] | Citizens and Northern Bank [Member]
ASSETS
Investment in subsidiaries	285,465	272,286
Subsidiaries [Member] | Citizens and Northern Investment Corporation [Member]
ASSETS
Investment in subsidiaries	9,768	11,087
Subsidiaries [Member] | Bucktail Life Insurance Company [Member]
ASSETS
Investment in subsidiaries	$ 3,804	$ 3,733

PARENT COMPANY ONLY - Condens_2

PARENT COMPANY ONLY - Condensed Income Statement and Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Income before equity in undistributed income (excess distributions) of subsidiaries	$ 31,871	$ 30,483	$ 32,350
Net income	25,958	24,148	26,618
COMPREHENSIVE INCOME (LOSS)	27,634	35,589	(28,286)
Parent Company
Dividends from Citizens & Northern Bank	17,341	19,405	19,483
Expenses	(1,644)	(2,003)	(1,695)
Income before equity in undistributed income (excess distributions) of subsidiaries	17,197	19,202	17,788
Equity in undistributed income (excess distributions) of subsidiaries	8,761	4,946	8,830
Net income	25,958	24,148	26,618
COMPREHENSIVE INCOME (LOSS)	27,634	35,589	(28,286)
Citizens and Northern Investment Corporation [Member] | Citizens and Northern Investment Corporation [Member]
Dividends from Citizens & Northern Bank	$ 1,500	$ 1,800	$ 0

PARENT COMPANY ONLY - Condens_3

PARENT COMPANY ONLY - Condensed Statement of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income (Loss)	$ 25,958	$ 24,148	$ 26,618
Adjustments to reconcile net income to net cash provided by operating activities:
(Increase) decrease in other assets	(3,014)	(1,400)	(3,532)
(Decrease) increase in other liabilities	7,992	4,161	(589)
Net Cash Provided by Operating Activities	33,035	33,548	34,599
CASH FLOWS FROM FINANCING ACTIVITIES:
Repayment of subordinated debt	0	0	8,500
Dividends paid	(15,530)	(15,569)	(15,865)
Net Cash Provided by Financing Activities	58,699	24,734	151,939
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	70,796	5,080	(48,150)
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	70,796	5,080	(48,150)
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest paid	48,563	31,936	9,497
Parent Company
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income (Loss)	25,958	24,148	26,618
Adjustments to reconcile net income to net cash provided by operating activities:
Accretion of purchase accounting adjustment	0	0	(14)
Amortization of debt issuance costs	182	176	170
Equity in (undistributed income) excess distributions of subsidiaries	(8,761)	(4,946)	(8,830)
(Increase) decrease in other assets	64	(167)	0
(Decrease) increase in other liabilities	(93)	97	(41)
Net Cash Provided by Operating Activities	17,350	19,308	17,903
CASH FLOWS FROM FINANCING ACTIVITIES:
Repayment of subordinated debt	0	0	8,500
Proceeds from sale of treasury stock	0	0	160
Purchases of treasury stock	(629)	(6,784)	(9,349)
Dividends paid	(15,530)	(15,569)	(15,865)
Net Cash Provided by Financing Activities	(16,159)	(22,353)	(33,554)
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	1,191	(3,045)	(15,651)
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	1,191	(3,045)	(15,651)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD	14,822	17,867	33,518
CASH AND CASH EQUIVALENTS, END OF PERIOD	16,013	14,822	17,867
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest paid	$ 1,305	$ 1,234	$ 1,433

DERIVATIVE FINANCIAL INSTRUME_3

DERIVATIVE FINANCIAL INSTRUMENTS - (Details)	12 Months Ended
	Dec. 31, 2024 USD ($) item	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Derivative Financial Instruments
Net impact	$ 2,000	$ 18,000	$ (14,000)
Asset pledged
Derivative Financial Instruments
Margin Deposit Assets	1,090,000	1,360,000
Interest rate swap agreements
Derivative Financial Instruments
Aggregate notional amount	141,940,000	150,028,000
RPA Out
Derivative Financial Instruments
Asset Derivatives, Notional Amount	6,957,000	7,082,000
Asset Derivatives, Fair Value	2,000	11,000
Liability Derivatives, Notional Amount	0	0
Liability Derivatives, Fair Value	0	0
RPA In
Derivative Financial Instruments
Asset Derivatives, Notional Amount	0	0
Asset Derivatives, Fair Value	0	0
Liability Derivatives, Notional Amount	9,916,000	10,000,000
Liability Derivatives, Fair Value	$ 2,000	13,000
One Interest rate Swap Originated
Derivative Financial Instruments
Number of derivative instruments originated | item	0
One Interest rate Swap Originated | Non interest income
Derivative Financial Instruments
Fee income		290,000
Derivatives not designated as hedging instruments
Derivative Financial Instruments
Asset Derivatives, Notional Amount	$ 70,970,000	75,014,000
Asset Derivatives, Fair Value	2,385,000	2,783,000
Liability Derivatives, Notional Amount	70,970,000	75,014,000
Liability Derivatives, Fair Value	2,385,000	2,783,000
Derivatives not designated as hedging instruments | Interest rate swap agreements
Derivative Financial Instruments
Interest rate swap	$ 0	$ 0

FAIR VALUE MEASUREMENTS AND F_3

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS - Assets Measured at Fair Value (Details) - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Assets Measured at Fair Value
Total, fair value	$ 402,380,000	$ 415,755,000
Marketable equity security	863,000	871,000
RPA In
Assets Measured at Fair Value
Fair value derivative asset	0	0
Fair value of the derivative liability	2,000	13,000
Obligations of the U.S. Treasury
Assets Measured at Fair Value
Total, fair value	7,118,000	11,290,000
Obligations of U.S. Government agencies
Assets Measured at Fair Value
Total, fair value	9,025,000	9,946,000
Bank holding company debt securities
Assets Measured at Fair Value
Total, fair value	25,246,000	23,500,000
Obligations Of States And Political Subdivisions Tax Exempt
Assets Measured at Fair Value
Total, fair value	101,302,000	104,199,000
Obligations Of States And Political Subdivisions Taxable
Assets Measured at Fair Value
Total, fair value	42,506,000	50,111,000
Residential Passthrough Securities
Assets Measured at Fair Value
Total, fair value	94,414,000	95,405,000
Residential Collateralized Mortgage Obligations
Assets Measured at Fair Value
Total, fair value	49,894,000	46,462,000
Commercial Mortgage Backed Securities
Assets Measured at Fair Value
Total, fair value	64,501,000	66,682,000
Private label commercial mortgage-backed securities
Assets Measured at Fair Value
Total, fair value	8,374,000	8,160,000
Private label commercial mortgage-backed securities | Level 1
Assets Measured at Fair Value
Total, fair value	0
Private label commercial mortgage-backed securities | Level 2
Assets Measured at Fair Value
Total, fair value	8,374,000
Private label commercial mortgage-backed securities | Level 3
Assets Measured at Fair Value
Total, fair value	0
Recurring fair value measurements
Assets Measured at Fair Value
Total, fair value	402,380,000	415,755,000
Marketable equity security	863,000	871,000
Servicing rights	2,782,000	2,659,000
Total asset fair value measurements	408,412,000	422,079,000
Fair value of the derivative liability	2,387,000	2,796,000
Recurring fair value measurements | Level 1
Assets Measured at Fair Value
Total, fair value	7,118,000	11,290,000
Marketable equity security	863,000	871,000
Servicing rights	0	0
Total asset fair value measurements	7,981,000	12,161,000
Fair value of the derivative liability	0	0
Recurring fair value measurements | Level 2
Assets Measured at Fair Value
Total, fair value	395,262,000	404,465,000
Marketable equity security	0	0
Servicing rights	0	0
Total asset fair value measurements	397,649,000	407,259,000
Fair value of the derivative liability	2,387,000	2,796,000
Recurring fair value measurements | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Marketable equity security	0	0
Servicing rights	2,782,000	2,659,000
Total asset fair value measurements	2,782,000	2,659,000
Fair value of the derivative liability	0	0
Recurring fair value measurements | RPA Out
Assets Measured at Fair Value
Fair value derivative asset	2,000	11,000
Recurring fair value measurements | RPA Out | Level 1
Assets Measured at Fair Value
Fair value derivative asset	0	0
Recurring fair value measurements | RPA Out | Level 2
Assets Measured at Fair Value
Fair value derivative asset	2,000	11,000
Recurring fair value measurements | RPA Out | Level 3
Assets Measured at Fair Value
Fair value derivative asset	0	0
Recurring fair value measurements | Interest rate swap agreements
Assets Measured at Fair Value
Fair value derivative asset	2,385,000	2,783,000
Fair value of the derivative liability	2,385,000	2,783,000
Recurring fair value measurements | Interest rate swap agreements | Level 1
Assets Measured at Fair Value
Fair value derivative asset	0	0
Fair value of the derivative liability	0	0
Recurring fair value measurements | Interest rate swap agreements | Level 2
Assets Measured at Fair Value
Fair value derivative asset	2,385,000	2,783,000
Fair value of the derivative liability	2,385,000	2,783,000
Recurring fair value measurements | Interest rate swap agreements | Level 3
Assets Measured at Fair Value
Fair value derivative asset	0	0
Fair value of the derivative liability	0	0
Recurring fair value measurements | RPA In
Assets Measured at Fair Value
Fair value of the derivative liability	2,000	13,000
Recurring fair value measurements | RPA In | Level 1
Assets Measured at Fair Value
Fair value of the derivative liability	0	0
Recurring fair value measurements | RPA In | Level 2
Assets Measured at Fair Value
Fair value of the derivative liability	2,000	13,000
Recurring fair value measurements | RPA In | Level 3
Assets Measured at Fair Value
Fair value of the derivative liability	0	0
Recurring fair value measurements | Obligations of the U.S. Treasury
Assets Measured at Fair Value
Total, fair value	7,118,000	11,290,000
Recurring fair value measurements | Obligations of the U.S. Treasury | Level 1
Assets Measured at Fair Value
Total, fair value	7,118,000	11,290,000
Recurring fair value measurements | Obligations of the U.S. Treasury | Level 2
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations of the U.S. Treasury | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations of U.S. Government agencies
Assets Measured at Fair Value
Total, fair value	9,025,000	9,946,000
Recurring fair value measurements | Obligations of U.S. Government agencies | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations of U.S. Government agencies | Level 2
Assets Measured at Fair Value
Total, fair value	9,025,000	9,946,000
Recurring fair value measurements | Obligations of U.S. Government agencies | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Bank holding company debt securities
Assets Measured at Fair Value
Total, fair value	25,246,000	23,500,000
Recurring fair value measurements | Bank holding company debt securities | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Bank holding company debt securities | Level 2
Assets Measured at Fair Value
Total, fair value	25,246,000	23,500,000
Recurring fair value measurements | Bank holding company debt securities | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations Of States And Political Subdivisions Tax Exempt
Assets Measured at Fair Value
Total, fair value	101,302,000	104,199,000
Recurring fair value measurements | Obligations Of States And Political Subdivisions Tax Exempt | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations Of States And Political Subdivisions Tax Exempt | Level 2
Assets Measured at Fair Value
Total, fair value	101,302,000	104,199,000
Recurring fair value measurements | Obligations Of States And Political Subdivisions Tax Exempt | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations Of States And Political Subdivisions Taxable
Assets Measured at Fair Value
Total, fair value	42,506,000	50,111,000
Recurring fair value measurements | Obligations Of States And Political Subdivisions Taxable | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Obligations Of States And Political Subdivisions Taxable | Level 2
Assets Measured at Fair Value
Total, fair value	42,506,000	50,111,000
Recurring fair value measurements | Obligations Of States And Political Subdivisions Taxable | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Residential Passthrough Securities
Assets Measured at Fair Value
Total, fair value	94,414,000	95,405,000
Recurring fair value measurements | Residential Passthrough Securities | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Residential Passthrough Securities | Level 2
Assets Measured at Fair Value
Total, fair value	94,414,000	95,405,000
Recurring fair value measurements | Residential Passthrough Securities | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Residential Collateralized Mortgage Obligations
Assets Measured at Fair Value
Total, fair value	49,894,000	46,462,000
Recurring fair value measurements | Residential Collateralized Mortgage Obligations | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Residential Collateralized Mortgage Obligations | Level 2
Assets Measured at Fair Value
Total, fair value	49,894,000	46,462,000
Recurring fair value measurements | Residential Collateralized Mortgage Obligations | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Commercial Mortgage Backed Securities
Assets Measured at Fair Value
Total, fair value	64,501,000	66,682,000
Recurring fair value measurements | Commercial Mortgage Backed Securities | Level 1
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Commercial Mortgage Backed Securities | Level 2
Assets Measured at Fair Value
Total, fair value	64,501,000	66,682,000
Recurring fair value measurements | Commercial Mortgage Backed Securities | Level 3
Assets Measured at Fair Value
Total, fair value	0	0
Recurring fair value measurements | Private label commercial mortgage-backed securities
Assets Measured at Fair Value
Total, fair value		8,160,000
Recurring fair value measurements | Private label commercial mortgage-backed securities | Level 1
Assets Measured at Fair Value
Total, fair value		0
Recurring fair value measurements | Private label commercial mortgage-backed securities | Level 2
Assets Measured at Fair Value
Total, fair value		8,160,000
Recurring fair value measurements | Private label commercial mortgage-backed securities | Level 3
Assets Measured at Fair Value
Total, fair value		0
Nonrecurring fair value measurements
Assets Measured at Fair Value
Total asset fair value measurements	317,000	7,521,000
Loans individually evaluated for credit loss, net	136,000	7,043,000
Foreclosed assets held for sale	181,000	478,000
Nonrecurring fair value measurements | Level 1
Assets Measured at Fair Value
Total asset fair value measurements	0	0
Loans individually evaluated for credit loss, net	0	0
Foreclosed assets held for sale	0	0
Nonrecurring fair value measurements | Level 2
Assets Measured at Fair Value
Total asset fair value measurements	0	0
Loans individually evaluated for credit loss, net	0	0
Foreclosed assets held for sale	0	0
Nonrecurring fair value measurements | Level 3
Assets Measured at Fair Value
Total asset fair value measurements	317,000	7,521,000
Loans individually evaluated for credit loss, net	136,000	7,043,000
Foreclosed assets held for sale	$ 181,000	$ 478,000

FAIR VALUE MEASUREMENTS AND F_4

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS - Level 3 Valuation Techniques Recurring (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Recurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Fair value	$ 2,782	$ 2,659
Valuation Technique, Discounted cash flow | Servicing rights.
Valuation Techniques and the Unobservable Inputs
Discount rate	13%	13%
Weighted-average PSA	116%	131%
Valuation Technique, Discounted cash flow | Recurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Fair value	$ 2,782	$ 2,659

FAIR VALUE MEASUREMENTS AND F_5

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS - Level 3 Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS
Servicing rights balance, beginning of period	$ 2,659	$ 2,653	$ 2,329
Originations of servicing rights	287	206	198
Unrealized loss included in earnings	(164)	(200)	126
Servicing rights balance, end of period	$ 2,782	$ 2,659	$ 2,653
Fair Value, Liability, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Revenue from Contract with Customer, Excluding Assessed Tax	Revenue from Contract with Customer, Excluding Assessed Tax	Revenue from Contract with Customer, Excluding Assessed Tax

FAIR VALUE MEASUREMENTS AND F_6

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS - Level 3 Valuation Techniques Nonrecurring (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Foreclosed assets held for sale	$ 181	$ 478
Residential mortgage
Valuation Techniques and the Unobservable Inputs
Foreclosed assets held for sale	25	47
Impaired Loans
Valuation Techniques and the Unobservable Inputs
Impaired loans, net	258
Valuation allowance	122
Fair value	136
Impaired Loans | Valuation, Market Approach | Commercial real estate - non-owner occupied | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Impaired loans, net		7,301
Valuation allowance		648
Fair value		$ 6,653
Impaired Loans | Valuation, Market Approach | Commercial | Commercial real estate - non-owner occupied | Minimum [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate		22%
Impaired Loans | Valuation, Market Approach | Commercial | Commercial real estate - non-owner occupied | Maximum [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate		30%
Impaired Loans | Valuation, Market Approach | Commercial | Commercial real estate - non-owner occupied | Weighted Average [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate		25%
Impaired Loans | Valuation, Market Approach | Commercial | Commercial real estate - owner occupied | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Impaired loans, net		$ 294
Valuation allowance		5
Fair value		289
Foreclosed assets held for sale	258
Valuation allowance	122
Fair value	$ 136
Impaired Loans | Valuation, Market Approach | Commercial | Commercial real estate - owner occupied | Minimum [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate	95%
Impaired Loans | Valuation, Market Approach | Commercial | Commercial real estate - owner occupied | Maximum [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate	(95.00%)
Impaired Loans | Valuation, Market Approach | Commercial | Other commercial loans | Measurement Input Discount To Borrowers Financial Statement Value Member
Valuation Techniques and the Unobservable Inputs
Impaired loans, net		191
Valuation allowance		90
Fair value		$ 101
Impaired Loans | Valuation, Market Approach | Commercial | Other commercial loans | Weighted Average [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate		17%
Impaired Loans | Valuation, Market Approach | Commercial | Real estate loan
Valuation Techniques and the Unobservable Inputs
Impaired loans, net		$ 7,786
Valuation allowance		743
Fair value		$ 7,043
Impaired Loans | Valuation, Market Approach | Commercial | Real estate loan | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate		93%
Impaired Loans | Valuation, Market Approach | Commercial | Real estate loan | Weighted Average [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate		93%
Impaired Loans | Valuation, Market Approach | Commercial | Commercial and industrial | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate		0%
Impaired Loans | Valuation, Market Approach | Commercial | Commercial and industrial | Weighted Average [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate		76%
Foreclosed Assets Held For Sale
Valuation Techniques and the Unobservable Inputs
Foreclosed assets held for sale	$ 181
Valuation allowance	0
Fair value	181
Foreclosed Assets Held For Sale | Valuation, Market Approach | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Impaired loans, net		$ 478
Valuation allowance		0
Fair value		478
Foreclosed Assets Held For Sale | Valuation, Market Approach | Commercial Real Estate Receivables | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Foreclosed assets held for sale	25
Valuation allowance	0
Fair value	$ 25
Foreclosed Assets Held For Sale | Valuation, Market Approach | Residential mortgage
Valuation Techniques and the Unobservable Inputs
Impaired loans, net		47
Valuation allowance		0
Fair value		$ 47
Foreclosed Assets Held For Sale | Valuation, Market Approach | Residential mortgage | Real estate loan | Minimum [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate	62%	20%
Foreclosed Assets Held For Sale | Valuation, Market Approach | Residential mortgage | Real estate loan | Maximum [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate	(62.00%)	62%
Foreclosed Assets Held For Sale | Valuation, Market Approach | Residential mortgage | Real estate loan | Weighted Average [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate		50%
Foreclosed Assets Held For Sale | Valuation, Market Approach | Commercial | Real estate loan | Minimum [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate	18%	18%
Foreclosed Assets Held For Sale | Valuation, Market Approach | Commercial | Real estate loan | Maximum [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate	77%	50%
Foreclosed Assets Held For Sale | Valuation, Market Approach | Commercial | Real estate loan | Weighted Average [Member] | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Discount rate	34%	45%
Foreclosed Assets Held For Sale | Valuation, Market Approach | Commercial | Commercial Real Estate Receivables | Nonrecurring fair value measurements
Valuation Techniques and the Unobservable Inputs
Impaired loans, net		$ 431
Valuation allowance		0
Fair value		$ 431
Foreclosed assets held for sale	$ 156
Valuation allowance	0
Fair value	$ 156

FAIR VALUE MEASUREMENTS AND F_7

FAIR VALUE MEASUREMENTS AND FAIR VALUES OF FINANCIAL INSTRUMENTS - Financial Instruments Not Recorded at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Reported value measurement | Level 1
Fair values, and carrying amounts financial instruments not recorded at fair value
Cash and cash equivalents	$ 123,574	$ 52,778
Reported value measurement | Level 2
Fair values, and carrying amounts financial instruments not recorded at fair value
Certificates of deposit	2,600	4,100
Restricted equity securities (included in Other Assets)	21,567	21,716
Accrued interest receivable	8,735	9,140
Short-term borrowings	2,488	33,874
Long-term borrowings - FHLB advances	165,451	138,337
Senior debt	14,899	14,831
Subordinated debt	24,831	24,717
Accrued interest payable	1,771	1,525
Reported value measurement | Level 2 | Deposits with no stated maturity
Fair values, and carrying amounts financial instruments not recorded at fair value
Deposits, fair value	1,609,552	1,590,357
Reported value measurement | Level 2 | Time deposits
Fair values, and carrying amounts financial instruments not recorded at fair value
Deposits, fair value	484,357	424,449
Reported value measurement | Level 3
Fair values, and carrying amounts financial instruments not recorded at fair value
Loans, net	1,875,813	1,828,931
Estimate of fair value measurement | Level 1
Fair values, and carrying amounts financial instruments not recorded at fair value
Cash and cash equivalents	123,574	52,778
Estimate of fair value measurement | Level 2
Fair values, and carrying amounts financial instruments not recorded at fair value
Certificates of deposit	2,513	3,859
Accrued interest receivable	8,735	9,140
Short-term borrowings	2,488	33,874
Long-term borrowings - FHLB advances	165,616	137,775
Senior debt	13,579	12,706
Subordinated debt	21,051	22,750
Accrued interest payable	1,771	1,525
Estimate of fair value measurement | Level 2 | Deposits with no stated maturity
Fair values, and carrying amounts financial instruments not recorded at fair value
Deposits, fair value	1,609,552	1,590,357
Estimate of fair value measurement | Level 2 | Time deposits
Fair values, and carrying amounts financial instruments not recorded at fair value
Deposits, fair value	484,900	423,643
Estimate of fair value measurement | Level 3
Fair values, and carrying amounts financial instruments not recorded at fair value
Loans, net	$ 1,789,044	$ 1,750,336

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2024 USD ($) segment	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments | segment	1
Interest income	$ 128,078	$ 113,504	$ 92,647
Interest expense	48,963	33,104	9,519
Net interest income	79,115	80,400	83,128
Provision for credit losses	2,195	186	7,255
Net interest income after provision for credit losses	76,920	80,214	75,873
Other income
Realized (losses) gains on available-for-sale debt securities, net	0	(3,036)	20
Total noninterest income	29,209	24,417	24,432
NONINTEREST EXPENSE
Salaries and employee benefits	44,930	44,195	41,833
Total noninterest expense	74,258	74,148	67,955
Income before income tax provision	31,871	30,483	32,350
Income tax provision	5,913	6,335	5,732
Net Income (Loss)	25,958	24,148	26,618
One reportable segment
Segment Reporting Information [Line Items]
Interest income	128,078	113,504	92,647
Interest expense	48,963	33,104	9,519
Net interest income	79,115	80,400	83,128
Provision for credit losses	2,195	186	7,255
Net interest income after provision for credit losses	76,920	80,214	75,873
Other income
Other Income	29,209	27,453	24,412
Realized (losses) gains on available-for-sale debt securities, net	0	(3,036)	20
Total noninterest income	29,209	24,417	24,432
NONINTEREST EXPENSE
Salaries and employee benefits	44,930	44,195	41,833
Other segment expenses	29,328	29,953	26,122
Total noninterest expense	74,258	74,148	67,955
Income before income tax provision	31,871	30,483	32,350
Income tax provision	5,913	6,335	5,732
Net Income (Loss)	$ 25,958	$ 24,148	$ 26,618