Investment securities - available for sale (at fair value)
105,060
103,582
Investment securities - held to maturity, net of allowance for credit losses of 102 at september 30, 2025 and 59 at december 31, 2024 (fair value 149,130 at september 30, 2025 and 144,760 at december 31, 2024)
172,818
174,951
Equity investments not held for trading with readily determinable fair values
1,020
1,008
Restricted investment in bank stock, at cost
4,628
5,815
Loans held for sale
861
110
Loans
1,496,762
1,502,481
Unearned fees
473
533
Allowance for credit losses
19,089
19,044
Net loans
1,477,200
1,482,904
Premises and equipment, net
30,369
29,644
Goodwill and other intangibles
11,526
11,609
Bank owned life insurance
49,997
49,642
Deferred tax assets
8,228
9,151
Other real estate owned, net
2,718
3,035
Repossessed assets
3,043
2,802
Right of use assets
984
1,058
Pension asset
21,382
18,537
Accrued interest receivable
7,479
7,160
Other assets
31,486
27,350
Total assets
2,023,974
2,007,471
Non-interest bearing deposits
429,986
425,784
Interest bearing deposits
1,248,916
1,188,423
Total deposits
1,678,902
1,614,207
Short-term borrowings
20,207
50,954
Long-term borrowings
95,929
120,929
Operating lease liability
1,152
1,231
Serp deferred compensation
8,530
8,465
Allowance for credit losses on off-balance sheet credit exposures
981
995
Accrued interest payable
661
935
Other liabilities
16,824
17,179
Dividends payable
1,689
1,429
Total liabilities
1,824,875
1,816,324
Common stock - par value 0.01 per share authorized 25,000,000 shares issued and outstanding 6,496,908 shares at september 30, 2025 and 6,471,096 at december 31, 2024
65
65
Surplus
21,290
21,121
Retained earnings
203,197
197,938
Accumulated other comprehensive loss, net of tax
-25,453
-27,977
Total shareholders' equity
199,099
191,147
Total liabilities and shareholders' equity
2,023,974
2,007,471
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Time Plot
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