Cash and cash equivalents - cash and due from bank
19,473
22,133
15,494
9,143
Available-for-sale debt securities (net of credit losses of 0 at june 30, 2026 and december 31, 2025, respectively, amortized cost of 65,612 and 68,943 at june 30, 2026 and december 31, 2025, respectively)
63,160
64,856
66,930
68,681
Held-to-maturity debt securities (net of allowance for credit losses of 0 as of june 30, 2026 and december 31, 2025)
4,207
5,219
6,205
6,394
Equity securities
277
294
408
436
Total loans
112,269
109,811
109,595
109,695
Deferred loan costs
151
133
116
105
Allowance for credit losses
860
840
842
847
Loans, net of allowance for credit losses of 860 and 842 at june 30, 2026 and december 31, 2025
111,560
109,104
108,869
108,953
Premises and equipment, net of accumulated depreciation of 3,003_ and 2,941 at june 30, 2026 and december 31, 2025
2,004
1,961
1,992
2,020
Federal home loan bank stock
375
354
354
354
Interest receivable
724
709
757
755
Cash surrender value of bank-owned life insurance
4,142
4,114
4,086
4,059
Deferred income taxes
1,292
1,208
1,057
1,256
Mortgage servicing rights
208
208
208
254
Other
584
547
551
615
Total assets
208,006
210,707
206,911
202,920
Demand
18,492
18,672
18,783
11,739
Savings, now and money market
76,645
75,834
72,671
77,415
Time
72,364
75,637
75,024
73,906
Total deposits
167,501
170,143
166,478
163,060
Deferred compensation
737
714
691
669
Income tax payable
-
465
341
322
Interest payable and other liabilities
381
411
348
580
Total liabilities
168,619
171,733
167,858
164,631
Common stock, 0.01 par value, 14,000,000 shares authorized, 1,735,649 issued, 1,557,237 and 1,562,319 outstanding at june 30, 2026 and december 31, 2025
17
17
17
17
Additional paid in capital
15,823
15,754
15,705
15,660
Unallocated common stock of esop
1,187
1,200
1,214
1,229
Treasury stock - 178,412 shares at june 30, 2026 and 162,681 shares at december 31, 2025
2,040
1,989
1,788
1,695
Deferred compensation liability - 40,000 shares held in trust at june 30, 2026 and december 31, 2025
400
400
400
400
Retained earnings
28,127
27,690
27,372
26,840
Accumulated other comprehensive (loss)
-1,753
-1,698
-1,439
-1,704
Total stockholders' equity
39,387
38,974
39,053
38,289
Total liabilities and stockholders' equity
208,006
210,707
206,911
202,920
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Time Plot
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