Consolidated Balance Sheets (Parentheticals) - $ / shares |
Sep. 30, 2025 |
Dec. 31, 2024 |
|---|---|---|
| Statement of Financial Position [Abstract] | ||
| Preferred stock par value | $ 0.01 | $ 0.01 |
| Authorized shares, preferred | 200,000 | 200,000 |
| Issued shares, preferred | 0 | 0 |
| Common stock par value | $ 0.01 | $ 0.01 |
| Authorized shares, common | 8,500,000 | 8,500,000 |
| Issued shares, common | 3,957,135 | 3,957,135 |
| Treasury stock, shares held | 463,436 | 463,436 |
Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands |
3 Months Ended | 9 Months Ended | ||
|---|---|---|---|---|
Sep. 30, 2025 |
Sep. 30, 2024 |
Sep. 30, 2025 |
Sep. 30, 2024 |
|
| Statements of Comprehensive Income [Abstract] | ||||
| Net earnings | $ 2,227 | $ 1,732 | $ 5,590 | $ 4,837 |
| Other comprehensive income, net of tax: | ||||
| Unrealized net holding gain on securities, net of tax | 2,233 | 8,338 | 8,535 | 6,083 |
| Other comprehensive income | 2,233 | 8,338 | 8,535 | 6,083 |
| Comprehensive income | $ 4,460 | $ 10,070 | $ 14,125 | $ 10,920 |
Consolidated Statements of Stockholders' Equity (Parentheticals) - $ / shares |
3 Months Ended | 9 Months Ended | ||
|---|---|---|---|---|
Sep. 30, 2025 |
Sep. 30, 2024 |
Sep. 30, 2025 |
Sep. 30, 2024 |
|
| Statement of Stockholders' Equity (Parentheticals) | ||||
| Cash dividends paid per share | $ 0.27 | $ 0.27 | $ 0.81 | $ 0.81 |
Summary of Significant Accounting Policies |
9 Months Ended |
|---|---|
Sep. 30, 2025 | |
| Summary of Signficant Accounting Policies | |
| Summary of Significant Accounting Policies Text Block | AUBURN NATIONAL Notes to Consolidated Financial Statements (Unaudited) NOTE 1: SUMMARY OF SIGNIFICANT ACCOUNTING General Auburn National Bancorporation, Inc. (the “Company”) provides a full commercial customers in Lee County, (the “Bank”). The Company does not have any segments other than banking Basis of Presentation and Use of Estimates The unaudited consolidated financial statements in this report have been accepted accounting principles (“GAAP”) for interim financial information. include all of the information and footnotes required by U.S. GAAP for complete consolidated financial statements include, in the opinion of management, statement of the financial position and the results of operations for all periods presented. normal recurring nature. The results of operations in the interim statements are not operations that the Company and its subsidiaries may achieve for future interim information, refer to the consolidated financial statements and footnotes included 10-K for the year ended December 31, 2024. The unaudited consolidated financial statements include the accounts Significant intercompany transactions and accounts are eliminated in The preparation of financial statements in conformity with U.S. GAAP requires assumptions that affect the reported amounts of assets and liabilities and disclosures the balance sheet date and the reported amounts of revenues and expenses during differ from those estimates. include the determination of allowance for credit losses on loans and instruments, and the valuation of deferred tax assets and other real estate owned Subsequent Events The Company has evaluated the effects of events and subsequent to September 30, 2025. period that would have required further recognition or disclosure in included in this report. Reclassifications Certain amounts reported in prior periods have been reclassified to reclassifications had no effect on the Company’s Accounting Developments I n the first nine months of 2025, the Company did not adopt any new accounting |
Securities |
9 Months Ended |
|---|---|
Sep. 30, 2025 | |
| Investments debt and equity securities [Abstract] | |
| Investments In Debt And Marketable Equity Securities And Certain Trading Assets Disclosure Text Block | NOTE 2: SECURITIES At September 30, 2025 and December 31, 2024, respectively, Investments – Debt and Equity Securities, were classified as available-for-sale. for-sale by contractual maturity at September 30, 2025 1 year 1 to 5 5 to 10 After 10 Fair Gross Unrealized Amortized (Dollars in thousands) or less years years years Value Gains Losses Cost September 30, 2025 Agency obligations (a) $ — 35,343 18,093 — 53,436 — 5,164 $ 58,600 Agency MBS (a) — 20,188 17,185 128,210 165,583 — 20,629 186,212 State and political subdivisions — 1,653 9,095 6,653 17,401 1 2,346 19,746 Total available-for-sale $ — 57,184 44,373 134,863 236,420 1 28,139 $ 264,558 December 31, 2024 Agency obligations (a) $ — 26,655 25,756 — 52,411 — 7,734 $ 60,145 Agency MBS (a) 10 19,863 14,904 138,899 173,676 — 28,901 202,577 State and political subdivisions — 966 8,244 7,715 16,925 — 2,901 19,826 Total available-for-sale $ 10 47,484 48,904 146,614 243,012 — 39,536 $ 282,548 (a) Includes securities issued by U.S. government agencies or government securities may differ from contractual maturities because (i) issuers may obligations with or without prepayment penalties and (ii) borrowers of have the right to prepay such loan in whole or in part at any time. Securities with aggregate fair values of $ 202.8 222.3 respectively, were for other purposes required or permitted by law. Included in other assets on the accompanying consolidated balance sheets include carrying amounts of non-marketable equity investments were $ 1.4 respectively. (“FRB”) stock, and stock in a privately held financial institution. Gross Unrealized Losses and Fair Value The fair values and gross unrealized losses on securities at September segregated by those securities that have been in an unrealized loss position longer, are presented below. Less than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) Value Losses Value Losses Value Losses September 30, 2025: Agency obligations $ — — 53,436 5,164 $ 53,436 5,164 Agency MBS 96 1 165,487 20,628 165,583 20,629 State and political subdivisions — — 14,610 2,346 14,610 2,346 Total $ 96 1 233,533 28,138 $ 233,629 28,139 December 31, 2024: Agency obligations $ — — 52,411 7,734 $ 52,411 7,734 Agency MBS 7 — 173,669 28,901 173,676 28,901 State and political subdivisions 1,798 17 14,776 2,884 16,574 2,901 Total $ 1,805 17 240,856 39,519 $ 242,661 39,536 For the securities in the previous table, the Company assesses whether or not than not will be required to sell the security, to fair value through net income. unrealized loss at September 30, 2025, and it is not more-likely-than-not securities before recovery of their amortized cost bases, which may be down is necessary. result of credit deterioration, which would require the recognition of consider the extent to which the amortized cost of the security exceeds known adverse conditions related to the specific security. 2025 are driven by changes in interest rates and are not due to the credit quality allowance for credit losses is considered necessary related to securities at September continue to be monitored as a part of the Company’s financial performance of the issuers on a quarterly basis to determine if contractual principal and interest payments. Realized Gains and Losses The Company had no realized gains or losses on sale of securities during the quarter 2025 and 2024, respectively. |
Loan and Allowance for Credit Losses |
9 Months Ended |
|---|---|
Sep. 30, 2025 | |
| Loans And Leases Receivable Disclosure [Abstract] | |
| Loans and leases receivable disclosure [Text Block] | NOTE 3: LOANS AND ALLOWANCE September 30, December 31, (Dollars in thousands) 2025 2024 Commercial and industrial $ 55,102 $ 63,274 Construction and land development 79,045 82,493 Commercial real estate: Owner occupied 61,621 55,346 Hotel/motel 34,686 35,210 Multi-family 51,543 43,556 Other 150,831 155,880 Total commercial 298,681 289,992 Residential real estate: Consumer mortgage 59,419 60,399 Investment property 56,860 58,228 Total residential real 116,279 118,627 Consumer installment 8,805 9,631 Total Loans $ 557,912 $ 564,017 Loans secured by real estate were approximately 88.5% of the Company’s September 30, 2025, the Company’s surrounding areas. The loan portfolio segment is defined as the level at which an entity develops and determining its allowance for credit losses. As part of the Company’s portfolio included the following portfolio segments: commercial and commercial real estate, residential real estate, and consumer installment. Where segments are further disaggregated into classes. A class is generally determined risk characteristics of the loan, and an entity’s The following describes Commercial and industrial (“C&I”) — includes loans to finance business operations, equipment purchases, or for small and medium-sized commercial customers. Also production. borrower. Construction and land development (“C&D”) — includes both loans and credit lines for the purpose of purchasing, carrying, lines for construction of residential, multi-family, dependent upon the sale or refinance of the real estate collateral. Commercial real estate includes loans in these classes: ● Owner occupied owner-occupied facilities primarily for small and medium-sized source of repayment is the cash flow from business operations and activities of property. ● Hotel/motel – includes loans for hotels and motels. income generated from the hotel/motel securing the loan. the occupancy and rental rates, as well as the financial health of the borrower. ● Multi-family for 5 or more unit residential properties and apartments leased to residents. repayment is dependent upon income generated from the real estate collateral. The takes into consideration the occupancy and rental rates, as well as the financial ● Other multi-family properties, and which are not owner occupied. retail centers, local and other businesses. Generally, the real estate collateral. The underwriting of these loans takes into consideration as well as the financial health of the borrower. Residential real estate (“RRE”) — includes loans in these two classes: ● Consumer mortgage consumers that are secured by a primary residence or second home. These loans are underwritten with the Bank’s general loan each borrower’s financial condition, satisfactory credit ● Investment property Generally, securing the loan. The underwriting of these loans takes into consideration well as the financial health of the borrowers. Consumer installment — includes loans to individuals, include personal lines of credit, automobile loans, and other retail loans. the Bank’s general loan policies and borrower’s financial condition, satisfactory credit history, The following is a summary of current, accruing past due, and nonaccrual September 30, 2025 and December 31, 2024. Accruing Accruing Total 30-89 Days Greater than Accruing Non- Total (Dollars in thousands) Current Past Due 90 days Loans Accrual Loans September 30, 2025: Commercial and industrial $ 55,058 44 — 55,102 — $ 55,102 Construction and land development 79,028 17 — 79,045 — 79,045 Commercial real estate: Owner occupied 61,621 — — 61,621 — 61,621 Hotel/motel 34,686 — — 34,686 — 34,686 Multi-family 51,543 — — 51,543 — 51,543 Other 150,831 — — 150,831 — 150,831 Total commercial 298,681 — — 298,681 — 298,681 Residential real estate: Consumer mortgage 59,269 5 77 59,351 68 59,419 Investment property 56,824 — — 56,824 36 56,860 Total residential real 116,093 5 77 116,175 104 116,279 Consumer installment 8,780 25 — 8,805 — 8,805 Total $ 557,640 91 77 557,808 104 $ 557,912 December 31, 2024: Commercial and industrial $ 63,163 12 — 63,175 99 $ 63,274 Construction and land development 82,089 — — 82,089 404 82,493 Commercial real estate: Owner occupied 55,346 — — 55,346 — 55,346 Hotel/motel 35,210 — — 35,210 — 35,210 Multi-family 43,556 — — 43,556 — 43,556 Other 155,880 — — 155,880 — 155,880 Total commercial 289,992 — — 289,992 — 289,992 Residential real estate: Consumer mortgage 59,677 722 — 60,399 — 60,399 Investment property 58,179 49 — 58,228 — 58,228 Total residential real 117,856 771 — 118,627 — 118,627 Consumer installment 9,579 52 — 9,631 — 9,631 Total $ 562,679 835 — 563,514 503 $ 564,017 Credit Quality Indicators The credit quality of the loan portfolio is summarized no less frequently than standard asset classification system used by the federal banking agencies. associated allowance for credit losses using historical losses adjusted for defined as follows: ● Pass – loans which are well protected by the current net worth and paying capacity any) or by the fair value, less the estimated cost to acquire and sell any underlying ● Special Mention – loans with potential weakness that may, inadequately protect the Company’s not expose an institution to sufficient risk to warrant an adverse classification. ● Substandard Accruing – loans that exhibit a well-defined weakness which even though they are currently performing. These loans are characterized Company may incur a loss in the future if these weaknesses are not corrected. ● Nonaccrual – includes loans where management has determined that full payment expected. Substandard accrual and nonaccrual loans are often collectively referred The following tables presents credit quality indicators for the loan portfolio of September 30, 2025 and December 31, 2024. Year of Origination 2025 2024 2023 2022 2021 Prior to 2021 Revolving Loans Total Loans (Dollars in thousands) September 30, 2025: Commercial and industrial Pass $ 5,899 4,440 5,140 7,832 11,061 19,001 1,395 $ 54,768 Special mention 114 6 1 — — 46 9 176 Substandard — — 7 — — — 151 158 Nonaccrual — — — — — — — — Total commercial and industrial 6,013 4,446 5,148 7,832 11,061 19,047 1,555 55,102 Current period gross charge-offs — — 99 4 — — — 103 Construction and land development Pass 17,376 37,622 16,279 2,116 372 80 5,200 79,045 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total construction and land development 17,376 37,622 16,279 2,116 372 80 5,200 79,045 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 9,789 1,377 12,017 6,368 11,830 14,281 4,067 59,729 Special mention 628 — — — 764 — — 1,392 Substandard — 500 — — — — — 500 Nonaccrual — — — — — — — — Total owner occupied 10,417 1,877 12,017 6,368 12,594 14,281 4,067 61,621 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 5,068 429 6,082 9,092 2,982 10,886 147 34,686 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 5,068 429 6,082 9,092 2,982 10,886 147 34,686 Current period gross charge-offs — — — — — — — — Year of Origination 2025 2024 2023 2022 2021 Prior to 2021 Revolving Loans Total Loans (Dollars in thousands) September 30, 2025: Multi-family Pass 785 3,640 11,905 20,644 1,794 7,608 2,118 48,494 Special mention — — — — — — 3,049 3,049 Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 785 3,640 11,905 20,644 1,794 7,608 5,167 51,543 Current period gross charge-offs — — — — — — — — Other Pass 21,843 33,824 17,194 29,184 18,848 26,974 2,100 149,967 Special mention — 366 — — 498 — — 864 Substandard — — — — — — — — Nonaccrual — — — — — — — — Total other 21,843 34,190 17,194 29,184 19,346 26,974 2,100 150,831 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 4,245 4,784 16,110 17,385 2,411 11,417 1,668 58,020 Special mention — — — — — 249 — 249 Substandard 245 — — — — 837 — 1,082 Nonaccrual — — 68 — — — — 68 Total consumer mortgage 4,490 4,784 16,178 17,385 2,411 12,503 1,668 59,419 Current period gross charge-offs — — 4 — — 1 — 5 Investment property Pass 6,582 8,515 10,506 9,964 7,015 12,298 1,611 56,491 Special mention — — — — — — — — Substandard 237 — — — 5 — 91 333 Nonaccrual — — 36 — — — — 36 Total investment property 6,819 8,515 10,542 9,964 7,020 12,298 1,702 56,860 Current period gross charge-offs — — 2 — — — — 2 Consumer installment Pass 3,507 2,377 1,197 1,063 153 86 362 8,745 Special mention — 10 15 — — — — 25 Substandard 8 6 13 8 — — — 35 Nonaccrual — — — — — — — — Total consumer installment 3,515 2,393 1,225 1,071 153 86 362 8,805 Current period gross charge-offs 42 45 9 — — — — 96 Total loans Pass 75,094 97,008 96,430 103,648 56,466 102,631 18,668 549,945 Special mention 742 382 16 — 1,262 295 3,058 5,755 Substandard 490 506 20 8 5 837 242 2,108 Nonaccrual — — 104 — — — — 104 Total loans $ 76,326 97,896 96,570 103,656 57,733 103,763 21,968 $ 557,912 Total current period gross charge-offs $ 42 45 114 4 — 1 — $ 206 Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) December 31, 2024: Commercial and industrial Pass $ 11,290 7,265 8,488 9,677 4,659 16,989 4,425 $ 62,793 Special mention 49 74 — — — — — 123 Substandard 50 21 181 7 — — — 259 Nonaccrual — 99 — — — — — 99 Total commercial and industrial 11,389 7,459 8,669 9,684 4,659 16,989 4,425 63,274 Current period gross charge-offs — — 9 — — — — 9 Construction and land development Pass 31,144 29,520 16,504 1,794 1,434 104 1,589 82,089 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual 404 — — — — — — 404 Total construction and land development 31,548 29,520 16,504 1,794 1,434 104 1,589 82,493 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 1,921 11,206 6,776 17,114 3,396 12,030 1,552 53,995 Special mention — 249 — — 591 — — 840 Substandard 511 — — — — — — 511 Nonaccrual — — — — — — — — Total owner occupied 2,432 11,455 6,776 17,114 3,987 12,030 1,552 55,346 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 480 6,480 5,303 3,079 1,299 14,437 4,132 35,210 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 480 6,480 5,303 3,079 1,299 14,437 4,132 35,210 Current period gross charge-offs — — — — — — — — Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) December 31, 2024: Multi-family Pass 3,739 6,041 17,037 1,863 3,493 6,400 4,983 43,556 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 3,739 6,041 17,037 1,863 3,493 6,400 4,983 43,556 Current period gross charge-offs — — — — — — — — Other Pass 43,753 21,085 32,521 21,249 16,743 16,289 4,120 155,760 Special mention — — — — — — — — Substandard — — — — 120 — — 120 Nonaccrual — — — — — — — — Total other 43,753 21,085 32,521 21,249 16,863 16,289 4,120 155,880 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 5,885 18,389 18,434 2,466 2,565 10,590 808 59,137 Special mention 243 — — — 2 486 — 731 Substandard — — — — — 531 — 531 Nonaccrual — — — — — — — — Total consumer mortgage 6,128 18,389 18,434 2,466 2,567 11,607 808 60,399 Current period gross charge-offs — — — — — 61 — 61 Investment property Pass 10,339 10,824 10,651 8,305 11,435 4,794 1,317 57,665 Special mention — — — — — — — — Substandard 278 40 93 9 143 — — 563 Nonaccrual — — — — — — — — Total investment property 10,617 10,864 10,744 8,314 11,578 4,794 1,317 58,228 Current period gross charge-offs — — — — — — — — Consumer installment Pass 5,015 2,057 1,911 296 90 113 67 9,549 Special mention — 9 — 9 — — — 18 Substandard 39 15 10 — — — — 64 Nonaccrual — — — — — — — — Total consumer installment 5,054 2,081 1,921 305 90 113 67 9,631 Current period gross charge-offs 25 42 42 1 — 4 — 114 Total loans Pass 113,566 112,867 117,625 65,843 45,114 81,746 22,993 559,754 Special mention 292 332 — 9 593 486 — 1,712 Substandard 878 76 284 16 263 531 — 2,048 Nonaccrual 404 99 — — — — — 503 Total loans $ 115,140 113,374 117,909 65,868 45,970 82,763 22,993 $ 564,017 T otal current period gross charge-offs $ 25 42 51 1 — 65 — $ 184 Allowance for Credit Losses The allowance for credit losses is measured on a collective basis for pools of loans that do not share similar risk characteristics with the collectively individual basis. The composition of the provision for credit losses for the respective periods Quarter ended September 30, Nine months ended September 30, (Dollars in thousands) 2025 2024 2025 2024 Provision for credit losses: Loans $ (196) $ (206) $ (87) $ 15 Reserve for unfunded commitments (59) 79 (65) 69 Total provision for credit $ (255) $ (127) $ (152) $ 84 The following table details the changes in the allowance for credit losses for loans, periods. (Dollars in thousands) Commercial and industrial Construction and land development Commercial real estate Residential real estate Consumer installment Total Quarter ended September 30, 2025: Beginning balance $ 1,212 1,613 3,151 866 123 $ 6,965 Charge-offs — — — — (87) (87) Recoveries — — — 4 5 9 Net recoveries (charge-offs) — — — 4 (82) (78) Provision for credit losses (86) (61) (113) (34) 98 (196) Ending balance $ 1,126 1,552 3,038 836 139 $ 6,691 Nine months ended September 30, 2025: Beginning balance $ 1,244 1,059 3,842 588 138 $ 6,871 Charge-offs (103) — — (7) (96) (206) Recoveries 30 — — 68 15 113 Net (charge-offs) recoveries (73) — — 61 (81) (93) Provision for credit losses (45) 493 (804) 187 82 (87) Ending balance $ 1,126 1,552 3,038 836 139 $ 6,691 Quarter ended September 30, 2024: Beginning balance $ 1,366 942 4,091 603 140 $ 7,142 Charge-offs — — — (54) (40) (94) Recoveries 25 — — 2 7 34 Net recoveries (charge-offs) 25 — — (52) (33) (60) Provision for credit losses (231) 43 (102) 44 40 (206) Ending balance $ 1,160 985 3,989 595 147 $ 6,876 Nine months ended September 30, 2024: Beginning balance $ 1,288 960 3,921 546 148 $ 6,863 Charge-offs (9) — — (54) (83) (146) Recoveries 99 — — 7 38 144 Net recoveries (charge-offs) 90 — — (47) (45) (2) Provision for credit losses (218) 25 68 96 44 15 Ending balance $ 1,160 985 3,989 595 147 $ 6,876 The Company had no collateral dependent loans which were individually evaluated table presents the amortized cost basis of collateral dependent loans, which were expected credit losses at December 31, 2024. Business (Dollars in thousands) Real Estate Assets Total Loans December 31, 2024: Commercial and industrial $ — 99 $ 99 Construction and land development 404 — 404 Total $ 404 99 $ 503 The following table summarizes the Company’s Nonaccrual Loans Nonaccrual Loans Total (Dollars in thousands) With No Allowance With An Allowance Nonaccrual Loans September 30, 2025 Residential real estate $ — 104 $ 104 Total $ — 104 $ 104 December 31, 2024 Commercial and industrial $ — 99 $ 99 Construction and land development 404 — 404 Total $ 404 99 $ 503 |
Mortgage Servicing Rights, Net |
9 Months Ended |
|---|---|
Sep. 30, 2025 | |
| Mortgage Servicing [Abstract] | |
| Transfers and Servicing of Financial Assets [Text Block] | NOTE 4: MORTGAGE SERVICING Mortgage servicing rights (“MSRs”) are recognized based on the fair corresponding mortgage loans are sold. assumptions that market participants would use in estimating future net prepayment speeds, discount rates, default rates, costs to service, escrow account income, ancillary income, and late fees. under the amortization method. of, estimated net servicing income. The Company generally sells, without recourse, conforming, fixed-rate, closed-end, where the Company services the mortgages sold and records MSRs. accompanying consolidated balance sheets. The Company evaluates MSRs for impairment on a quarterly basis. groupings based on predominant risk characteristics, such as interest rate and loan carrying amount of the MSRs exceeds fair value, a valuation allowance is established. as the fair value changes. lending income. The following table details the changes in amortized MSRs and the related valuation Quarter ended September 30, Nine months ended September 30, (Dollars in thousands) 2025 2024 2025 2024 MSRs, net: Beginning balance $ 827 $ 942 $ 892 $ 992 Additions, net 27 28 44 54 Amortization expense (48) (51) (130) (127) Ending balance $ 806 $ 919 $ 806 $ 919 Valuation Beginning of period $ — $ — $ — $ — End of period — — — — Fair value of amortized MSRs: Beginning of period $ 2,203 $ 2,346 $ 2,204 $ 2,382 End of period 2,110 2,171 2,110 2,171 |
Fair Value Disclosures |
9 Months Ended |
|---|---|
Sep. 30, 2025 | |
| Fair Value Disclosures [Abstract] | |
| Fair Value Disclosures Text Block | NOTE 5: FAIR VALUE Fair Value “Fair value” is defined by ASC 820, Fair Value , and focuses on the exit price, i.e., the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction market (or most advantageous market in the absence of a principal market) GAAP establishes a fair value hierarchy for valuation inputs that gives the highest markets for identical assets or liabilities and the lowest priority to unobservable inputs. follows: Level 1—inputs to the valuation methodology are quoted prices, unadjusted, markets. Level 2—inputs to the valuation methodology include quoted prices for similar quoted prices for identical or similar assets or liabilities in markets that are not asset or liability, either directly Level 3—inputs to the valuation methodology are unobservable and reflect inputs market participants would use in pricing the asset or liability. Level changes in fair value measurements Transfers between levels of the fair value hierarchy Company monitors the valuation techniques utilized for each category transfers between levels have been affected. that transfers in and out of any level are expected to be infrequent. were no transfers between levels and no changes in valuation techniques for Assets and liabilities measured at fair value on a recurring Securities available-for-sale Fair values of securities available for sale were primarily measured obtains pricing data from third-party pricing services. include broker/dealer quotes, market spreads, cash flows, benchmark yields, consensus prepayment speeds, credit information, and the securities’ terms management reviews the pricing data received from the third-party pricing conditions. value measurements. pricing services to another independent valuation firm on a sample basis. prices valuation methodologies used with management. The following table presents the balances of the assets and liabilities measured at fair September 30, 2025 and December 31, 2024, respectively, ASC 820 valuation hierarchy (as described above). Quoted Prices in Significant Active Markets Other Significant for Observable Unobservable Identical Assets Inputs Inputs (Dollars in thousands) Amount (Level 1) (Level 2) (Level 3) September 30, 2025: Securities available-for-sale: Agency obligations $ 53,436 — 53,436 — Agency MBS 165,583 — 165,583 — State and political subdivisions 17,401 — 17,401 — Total securities available 236,420 — 236,420 — Total $ 236,420 — 236,420 — December 31, 2024: Securities available-for-sale: Agency obligations $ 52,411 — 52,411 — Agency MBS 173,676 — 173,676 — State and political subdivisions 16,925 — 16,925 — Total securities available 243,012 — 243,012 — Total $ 243,012 — 243,012 — Assets and liabilities measured at fair value on a nonrecurring Loans held for sale Loans held for sale are carried at the lower of cost or fair value. Fair values of loans quoted secondary market prices for similar loans. hierarchy. Collateral dependent loans Collateral dependent loans are measured at the fair value of the collateral securing fair value of real estate collateral is determined based on real estate appraisals which comparable properties which are then adjusted for property specific factors. various sources, including third party asset valuations and internally determined depreciation and other judgmentally determined discount factors. Collateral dependent the hierarchy due to the unobservable inputs used in determining their fair underlying financial condition. Mortgage servicing rights, net MSRs, net, included in other assets on the accompanying consolidated balance estimated fair value. MSRs, the Company engages an independent third party. present value of estimated future net servicing income using assumptions that future net servicing income, including estimates of mortgage prepayment service, escrow account earnings, contractual servicing fee income, Company will review broker surveys and other market research to validate significant unobservable inputs include mortgage prepayment speeds weighted average discount rate. the Company’s MSRs are classified within The following table presents the balances of the assets and liabilities measured at fair September 30, 2025 and December 31, 2024, respectively, and by FASB ASC 820 Quoted Prices in Active Markets Other Significant for Observable Unobservable Carrying Identical Assets Inputs Inputs (Dollars in thousands) Amount (Level 1) (Level 2) (Level 3) September 30, 2025: Loans held for sale $ 145 — 145 — Other assets (2) 806 — — 806 Total assets at fair value $ 951 — 145 806 December 31, 2024: Loans, net (1) $ 503 — — 503 Other assets (2) 892 — — 892 Total assets at fair value $ 1,395 — — 1,395 (1) Loans considered collateral dependent under ASC 326. (2) Represents MSRs, net, carried at lower of cost or estimated Quantitative Disclosures for Level 3 Fair Value At September 30, 2025 and December 31, 2024, the Company had no Level basis. the significant unobservable inputs used in the fair value measurements assets are presented below. Range of Weighted Carrying Significant Unobservable Average (Dollars in thousands) Amount Valuation Technique Unobservable Input Inputs of Input September 30, 2025: Mortgage servicing rights, net $ 806 Discounted cash flow Prepayment speed or CPR 6.4 - 11.2 % 7.9 % Discount rate 9.5 - 11.5 9.5 December 31, 2024: Collateral dependent loans $ 503 Appraisal Appraisal discounts 10.0 - 10.0 % 10.0 % Mortgage servicing rights, net 892 Discounted cash flow Prepayment speed or CPR 6.7 - 11.2 7.3 Discount rate 10.0 - 12.0 10.0 Fair Value ASC 825, Financial Instruments , requires disclosure of fair value information about financial instruments, recognized on the face of the balance sheet, where it is practicable to estimation of the fair value of the Company’s not available, fair values are based on estimates using discounted cash flow significantly affected by the assumptions used, including following fair value estimates cannot be substantiated by comparison to representative of the liquidation value of the Company’s value of financial instruments held by the Company. instruments from its disclosure requirements. The following methods and assumptions were used by the Company in estimating Loans, net Fair values for loans were calculated using discounted cash flows. The discount loans would be made for the same remaining maturities. Expected cash flows, adjusted for estimated prepayments. Loans held for sale Fair values of loans held for sale are determined using quoted secondary Time Deposits Fair values for time deposits were estimated using discounted cash offered for deposits with similar remaining maturities. The carrying value, related estimated fair value, instruments at September 30, 2025 for which the carrying amount approximates fair value. included cash and cash equivalents. noninterest-bearing demand deposits, interest-bearing demand deposits, and carrying value in these financial liabilities due to these products having liabilities for which fair value approximates carrying value included overnight and securities sold under agreements to repurchase. The following table summarizes our fair value estimates: Fair Value Hierarchy Carrying Estimated Level 1 Level 2 Level 3 (Dollars in thousands) amount fair value inputs inputs Inputs September 30, 2025: Financial Assets: Loans, net (1) $ 551,221 $ 534,754 — — $ 534,754 Loans held for sale 145 148 — 148 — Financial Liabilities: Time Deposits $ 180,957 $ 180,076 — 180,076 $ — December 31, 2024: Financial Assets: Loans, net (1) $ 557,146 $ 532,344 — — $ 532,344 Financial Liabilities: Time Deposits $ 191,247 $ 190,636 — 190,636 $ — ( 1) Represents loans, net of allowance for credit losses. |
Summary of Significant Accounting Policies (Policies) |
9 Months Ended |
|---|---|
Sep. 30, 2025 | |
| Summary of Signficant Accounting Policies | |
| Nature of Business Policy | General Auburn National Bancorporation, Inc. (the “Company”) provides a full commercial customers in Lee County, (the “Bank”). The Company does not have any segments other than banking |
| Basis of Presentation Policy | Basis of Presentation and Use of Estimates The unaudited consolidated financial statements in this report have been accepted accounting principles (“GAAP”) for interim financial information. include all of the information and footnotes required by U.S. GAAP for complete consolidated financial statements include, in the opinion of management, statement of the financial position and the results of operations for all periods presented. normal recurring nature. The results of operations in the interim statements are not operations that the Company and its subsidiaries may achieve for future interim information, refer to the consolidated financial statements and footnotes included 10-K for the year ended December 31, 2024. |
| Consolidation Policy | The unaudited consolidated financial statements include the accounts Significant intercompany transactions and accounts are eliminated in |
| Use of Estimates Policy | The preparation of financial statements in conformity with U.S. GAAP requires assumptions that affect the reported amounts of assets and liabilities and disclosures the balance sheet date and the reported amounts of revenues and expenses during differ from those estimates. include the determination of allowance for credit losses on loans and instruments, and the valuation of deferred tax assets and other real estate owned |
| Subsequent Events Policy | Subsequent Events The Company has evaluated the effects of events and subsequent to September 30, 2025. period that would have required further recognition or disclosure in included in this report. |
| Reclassification Policy | Reclassifications Certain amounts reported in prior periods have been reclassified to reclassifications had no effect on the Company’s |
| Accounting Developments | Accounting Developments I n the first nine months of 2025, the Company did not adopt any new accounting |
Securities (Tables) |
9 Months Ended |
|---|---|
Sep. 30, 2025 | |
| Investments debt and equity securities [Abstract] | |
| Available-for-sale Securities [Table Text Block] | 1 year 1 to 5 5 to 10 After 10 Fair Gross Unrealized Amortized (Dollars in thousands) or less years years years Value Gains Losses Cost September 30, 2025 Agency obligations (a) $ — 35,343 18,093 — 53,436 — 5,164 $ 58,600 Agency MBS (a) — 20,188 17,185 128,210 165,583 — 20,629 186,212 State and political subdivisions — 1,653 9,095 6,653 17,401 1 2,346 19,746 Total available-for-sale $ — 57,184 44,373 134,863 236,420 1 28,139 $ 264,558 December 31, 2024 Agency obligations (a) $ — 26,655 25,756 — 52,411 — 7,734 $ 60,145 Agency MBS (a) 10 19,863 14,904 138,899 173,676 — 28,901 202,577 State and political subdivisions — 966 8,244 7,715 16,925 — 2,901 19,826 Total available-for-sale $ 10 47,484 48,904 146,614 243,012 — 39,536 $ 282,548 (a) Includes securities issued by U.S. government agencies or government securities may differ from contractual maturities because (i) issuers may obligations with or without prepayment penalties and (ii) borrowers of have the right to prepay such loan in whole or in part at any time. |
| Available-for-sale Securities, Continuous Unrealized Loss Position [Table Text Block] | Less than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized (Dollars in thousands) Value Losses Value Losses Value Losses September 30, 2025: Agency obligations $ — — 53,436 5,164 $ 53,436 5,164 Agency MBS 96 1 165,487 20,628 165,583 20,629 State and political subdivisions — — 14,610 2,346 14,610 2,346 Total $ 96 1 233,533 28,138 $ 233,629 28,139 December 31, 2024: Agency obligations $ — — 52,411 7,734 $ 52,411 7,734 Agency MBS 7 — 173,669 28,901 173,676 28,901 State and political subdivisions 1,798 17 14,776 2,884 16,574 2,901 Total $ 1,805 17 240,856 39,519 $ 242,661 39,536 |
Loan and Allowance for Credit Losses (Tables) |
9 Months Ended |
|---|---|
Sep. 30, 2025 | |
| Loans And Leases Receivable Disclosure [Abstract] | |
| Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] | September 30, December 31, (Dollars in thousands) 2025 2024 Commercial and industrial $ 55,102 $ 63,274 Construction and land development 79,045 82,493 Commercial real estate: Owner occupied 61,621 55,346 Hotel/motel 34,686 35,210 Multi-family 51,543 43,556 Other 150,831 155,880 Total commercial 298,681 289,992 Residential real estate: Consumer mortgage 59,419 60,399 Investment property 56,860 58,228 Total residential real 116,279 118,627 Consumer installment 8,805 9,631 Total Loans $ 557,912 $ 564,017 |
| Past Due Financing Receivables [Table Text Block] | Accruing Accruing Total 30-89 Days Greater than Accruing Non- Total (Dollars in thousands) Current Past Due 90 days Loans Accrual Loans September 30, 2025: Commercial and industrial $ 55,058 44 — 55,102 — $ 55,102 Construction and land development 79,028 17 — 79,045 — 79,045 Commercial real estate: Owner occupied 61,621 — — 61,621 — 61,621 Hotel/motel 34,686 — — 34,686 — 34,686 Multi-family 51,543 — — 51,543 — 51,543 Other 150,831 — — 150,831 — 150,831 Total commercial 298,681 — — 298,681 — 298,681 Residential real estate: Consumer mortgage 59,269 5 77 59,351 68 59,419 Investment property 56,824 — — 56,824 36 56,860 Total residential real 116,093 5 77 116,175 104 116,279 Consumer installment 8,780 25 — 8,805 — 8,805 Total $ 557,640 91 77 557,808 104 $ 557,912 December 31, 2024: Commercial and industrial $ 63,163 12 — 63,175 99 $ 63,274 Construction and land development 82,089 — — 82,089 404 82,493 Commercial real estate: Owner occupied 55,346 — — 55,346 — 55,346 Hotel/motel 35,210 — — 35,210 — 35,210 Multi-family 43,556 — — 43,556 — 43,556 Other 155,880 — — 155,880 — 155,880 Total commercial 289,992 — — 289,992 — 289,992 Residential real estate: Consumer mortgage 59,677 722 — 60,399 — 60,399 Investment property 58,179 49 — 58,228 — 58,228 Total residential real 117,856 771 — 118,627 — 118,627 Consumer installment 9,579 52 — 9,631 — 9,631 Total $ 562,679 835 — 563,514 503 $ 564,017 |
| Financing Receivable Credit Quality Indicators [Table Text Block] | Year of Origination 2025 2024 2023 2022 2021 Prior to 2021 Revolving Loans Total Loans (Dollars in thousands) September 30, 2025: Commercial and industrial Pass $ 5,899 4,440 5,140 7,832 11,061 19,001 1,395 $ 54,768 Special mention 114 6 1 — — 46 9 176 Substandard — — 7 — — — 151 158 Nonaccrual — — — — — — — — Total commercial and industrial 6,013 4,446 5,148 7,832 11,061 19,047 1,555 55,102 Current period gross charge-offs — — 99 4 — — — 103 Construction and land development Pass 17,376 37,622 16,279 2,116 372 80 5,200 79,045 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total construction and land development 17,376 37,622 16,279 2,116 372 80 5,200 79,045 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 9,789 1,377 12,017 6,368 11,830 14,281 4,067 59,729 Special mention 628 — — — 764 — — 1,392 Substandard — 500 — — — — — 500 Nonaccrual — — — — — — — — Total owner occupied 10,417 1,877 12,017 6,368 12,594 14,281 4,067 61,621 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 5,068 429 6,082 9,092 2,982 10,886 147 34,686 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 5,068 429 6,082 9,092 2,982 10,886 147 34,686 Current period gross charge-offs — — — — — — — — Year of Origination 2025 2024 2023 2022 2021 Prior to 2021 Revolving Loans Total Loans (Dollars in thousands) September 30, 2025: Multi-family Pass 785 3,640 11,905 20,644 1,794 7,608 2,118 48,494 Special mention — — — — — — 3,049 3,049 Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 785 3,640 11,905 20,644 1,794 7,608 5,167 51,543 Current period gross charge-offs — — — — — — — — Other Pass 21,843 33,824 17,194 29,184 18,848 26,974 2,100 149,967 Special mention — 366 — — 498 — — 864 Substandard — — — — — — — — Nonaccrual — — — — — — — — Total other 21,843 34,190 17,194 29,184 19,346 26,974 2,100 150,831 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 4,245 4,784 16,110 17,385 2,411 11,417 1,668 58,020 Special mention — — — — — 249 — 249 Substandard 245 — — — — 837 — 1,082 Nonaccrual — — 68 — — — — 68 Total consumer mortgage 4,490 4,784 16,178 17,385 2,411 12,503 1,668 59,419 Current period gross charge-offs — — 4 — — 1 — 5 Investment property Pass 6,582 8,515 10,506 9,964 7,015 12,298 1,611 56,491 Special mention — — — — — — — — Substandard 237 — — — 5 — 91 333 Nonaccrual — — 36 — — — — 36 Total investment property 6,819 8,515 10,542 9,964 7,020 12,298 1,702 56,860 Current period gross charge-offs — — 2 — — — — 2 Consumer installment Pass 3,507 2,377 1,197 1,063 153 86 362 8,745 Special mention — 10 15 — — — — 25 Substandard 8 6 13 8 — — — 35 Nonaccrual — — — — — — — — Total consumer installment 3,515 2,393 1,225 1,071 153 86 362 8,805 Current period gross charge-offs 42 45 9 — — — — 96 Total loans Pass 75,094 97,008 96,430 103,648 56,466 102,631 18,668 549,945 Special mention 742 382 16 — 1,262 295 3,058 5,755 Substandard 490 506 20 8 5 837 242 2,108 Nonaccrual — — 104 — — — — 104 Total loans $ 76,326 97,896 96,570 103,656 57,733 103,763 21,968 $ 557,912 Total current period gross charge-offs $ 42 45 114 4 — 1 — $ 206 Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) December 31, 2024: Commercial and industrial Pass $ 11,290 7,265 8,488 9,677 4,659 16,989 4,425 $ 62,793 Special mention 49 74 — — — — — 123 Substandard 50 21 181 7 — — — 259 Nonaccrual — 99 — — — — — 99 Total commercial and industrial 11,389 7,459 8,669 9,684 4,659 16,989 4,425 63,274 Current period gross charge-offs — — 9 — — — — 9 Construction and land development Pass 31,144 29,520 16,504 1,794 1,434 104 1,589 82,089 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual 404 — — — — — — 404 Total construction and land development 31,548 29,520 16,504 1,794 1,434 104 1,589 82,493 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 1,921 11,206 6,776 17,114 3,396 12,030 1,552 53,995 Special mention — 249 — — 591 — — 840 Substandard 511 — — — — — — 511 Nonaccrual — — — — — — — — Total owner occupied 2,432 11,455 6,776 17,114 3,987 12,030 1,552 55,346 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 480 6,480 5,303 3,079 1,299 14,437 4,132 35,210 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 480 6,480 5,303 3,079 1,299 14,437 4,132 35,210 Current period gross charge-offs — — — — — — — — Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) December 31, 2024: Multi-family Pass 3,739 6,041 17,037 1,863 3,493 6,400 4,983 43,556 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 3,739 6,041 17,037 1,863 3,493 6,400 4,983 43,556 Current period gross charge-offs — — — — — — — — Other Pass 43,753 21,085 32,521 21,249 16,743 16,289 4,120 155,760 Special mention — — — — — — — — Substandard — — — — 120 — — 120 Nonaccrual — — — — — — — — Total other 43,753 21,085 32,521 21,249 16,863 16,289 4,120 155,880 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 5,885 18,389 18,434 2,466 2,565 10,590 808 59,137 Special mention 243 — — — 2 486 — 731 Substandard — — — — — 531 — 531 Nonaccrual — — — — — — — — Total consumer mortgage 6,128 18,389 18,434 2,466 2,567 11,607 808 60,399 Current period gross charge-offs — — — — — 61 — 61 Investment property Pass 10,339 10,824 10,651 8,305 11,435 4,794 1,317 57,665 Special mention — — — — — — — — Substandard 278 40 93 9 143 — — 563 Nonaccrual — — — — — — — — Total investment property 10,617 10,864 10,744 8,314 11,578 4,794 1,317 58,228 Current period gross charge-offs — — — — — — — — Consumer installment Pass 5,015 2,057 1,911 296 90 113 67 9,549 Special mention — 9 — 9 — — — 18 Substandard 39 15 10 — — — — 64 Nonaccrual — — — — — — — — Total consumer installment 5,054 2,081 1,921 305 90 113 67 9,631 Current period gross charge-offs 25 42 42 1 — 4 — 114 Total loans Pass 113,566 112,867 117,625 65,843 45,114 81,746 22,993 559,754 Special mention 292 332 — 9 593 486 — 1,712 Substandard 878 76 284 16 263 531 — 2,048 Nonaccrual 404 99 — — — — — 503 Total loans $ 115,140 113,374 117,909 65,868 45,970 82,763 22,993 $ 564,017 T otal current period gross charge-offs $ 25 42 51 1 — 65 — $ 184 |
| Schedule Of Composition Of Provision For Credit Losses [Table Text Block]] | Quarter ended September 30, Nine months ended September 30, (Dollars in thousands) 2025 2024 2025 2024 Provision for credit losses: Loans $ (196) $ (206) $ (87) $ 15 Reserve for unfunded commitments (59) 79 (65) 69 Total provision for credit $ (255) $ (127) $ (152) $ 84 |
| Allowance for Credit Losses on Financing Receivables [Table Text Block] | (Dollars in thousands) Commercial and industrial Construction and land development Commercial real estate Residential real estate Consumer installment Total Quarter ended September 30, 2025: Beginning balance $ 1,212 1,613 3,151 866 123 $ 6,965 Charge-offs — — — — (87) (87) Recoveries — — — 4 5 9 Net recoveries (charge-offs) — — — 4 (82) (78) Provision for credit losses (86) (61) (113) (34) 98 (196) Ending balance $ 1,126 1,552 3,038 836 139 $ 6,691 Nine months ended September 30, 2025: Beginning balance $ 1,244 1,059 3,842 588 138 $ 6,871 Charge-offs (103) — — (7) (96) (206) Recoveries 30 — — 68 15 113 Net (charge-offs) recoveries (73) — — 61 (81) (93) Provision for credit losses (45) 493 (804) 187 82 (87) Ending balance $ 1,126 1,552 3,038 836 139 $ 6,691 Quarter ended September 30, 2024: Beginning balance $ 1,366 942 4,091 603 140 $ 7,142 Charge-offs — — — (54) (40) (94) Recoveries 25 — — 2 7 34 Net recoveries (charge-offs) 25 — — (52) (33) (60) Provision for credit losses (231) 43 (102) 44 40 (206) Ending balance $ 1,160 985 3,989 595 147 $ 6,876 Nine months ended September 30, 2024: Beginning balance $ 1,288 960 3,921 546 148 $ 6,863 Charge-offs (9) — — (54) (83) (146) Recoveries 99 — — 7 38 144 Net recoveries (charge-offs) 90 — — (47) (45) (2) Provision for credit losses (218) 25 68 96 44 15 Ending balance $ 1,160 985 3,989 595 147 $ 6,876 |
| Schedule Of Financing Receivables NonAccrual Status [Table Text Block] | Nonaccrual Loans Nonaccrual Loans Total (Dollars in thousands) With No Allowance With An Allowance Nonaccrual Loans September 30, 2025 Residential real estate $ — 104 $ 104 Total $ — 104 $ 104 December 31, 2024 Commercial and industrial $ — 99 $ 99 Construction and land development 404 — 404 Total $ 404 99 $ 503 |
| Schedule Of Collateral Dependent Loans Individually Evaluated For ACL [Table Text Block] | Business (Dollars in thousands) Real Estate Assets Total Loans December 31, 2024: Commercial and industrial $ — 99 $ 99 Construction and land development 404 — 404 Total $ 404 99 $ 503 |
Mortgage Servicing Rights, Net (Tables) |
9 Months Ended |
|---|---|
Sep. 30, 2025 | |
| Mortgage Servicing [Abstract] | |
| Schedule Of Servicing Assets At Fair Value [Table Text Block] | Quarter ended September 30, Nine months ended September 30, (Dollars in thousands) 2025 2024 2025 2024 MSRs, net: Beginning balance $ 827 $ 942 $ 892 $ 992 Additions, net 27 28 44 54 Amortization expense (48) (51) (130) (127) Ending balance $ 806 $ 919 $ 806 $ 919 Valuation Beginning of period $ — $ — $ — $ — End of period — — — — Fair value of amortized MSRs: Beginning of period $ 2,203 $ 2,346 $ 2,204 $ 2,382 End of period 2,110 2,171 2,110 2,171 |
Fair Value (Tables) |
9 Months Ended |
|---|---|
Sep. 30, 2025 | |
| Fair Value Disclosures [Abstract] | |
| Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block] | Quoted Prices in Significant Active Markets Other Significant for Observable Unobservable Identical Assets Inputs Inputs (Dollars in thousands) Amount (Level 1) (Level 2) (Level 3) September 30, 2025: Securities available-for-sale: Agency obligations $ 53,436 — 53,436 — Agency MBS 165,583 — 165,583 — State and political subdivisions 17,401 — 17,401 — Total securities available 236,420 — 236,420 — Total $ 236,420 — 236,420 — December 31, 2024: Securities available-for-sale: Agency obligations $ 52,411 — 52,411 — Agency MBS 173,676 — 173,676 — State and political subdivisions 16,925 — 16,925 — Total securities available 243,012 — 243,012 — Total $ 243,012 — 243,012 — |
| Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Table Text Block] | Quoted Prices in Active Markets Other Significant for Observable Unobservable Carrying Identical Assets Inputs Inputs (Dollars in thousands) Amount (Level 1) (Level 2) (Level 3) September 30, 2025: Loans held for sale $ 145 — 145 — Other assets (2) 806 — — 806 Total assets at fair value $ 951 — 145 806 December 31, 2024: Loans, net (1) $ 503 — — 503 Other assets (2) 892 — — 892 Total assets at fair value $ 1,395 — — 1,395 (1) Loans considered collateral dependent under ASC 326. (2) Represents MSRs, net, carried at lower of cost or estimated |
| Fair Value, Assets and Liabilities Measured on Nonrecurring Basis, Valuation Techniques [Table Text Block] | Range of Weighted Carrying Significant Unobservable Average (Dollars in thousands) Amount Valuation Technique Unobservable Input Inputs of Input September 30, 2025: Mortgage servicing rights, net $ 806 Discounted cash flow Prepayment speed or CPR 6.4 - 11.2 % 7.9 % Discount rate 9.5 - 11.5 9.5 December 31, 2024: Collateral dependent loans $ 503 Appraisal Appraisal discounts 10.0 - 10.0 % 10.0 % Mortgage servicing rights, net 892 Discounted cash flow Prepayment speed or CPR 6.7 - 11.2 7.3 Discount rate 10.0 - 12.0 10.0 |
| Financial Instruments [Table Text Block] | Fair Value Hierarchy Carrying Estimated Level 1 Level 2 Level 3 (Dollars in thousands) amount fair value inputs inputs Inputs September 30, 2025: Financial Assets: Loans, net (1) $ 551,221 $ 534,754 — — $ 534,754 Loans held for sale 145 148 — 148 — Financial Liabilities: Time Deposits $ 180,957 $ 180,076 — 180,076 $ — December 31, 2024: Financial Assets: Loans, net (1) $ 557,146 $ 532,344 — — $ 532,344 Financial Liabilities: Time Deposits $ 191,247 $ 190,636 — 190,636 $ — ( 1) Represents loans, net of allowance for credit losses. |
Securities Textuals (Details) - USD ($) $ in Millions |
Sep. 30, 2025 |
Dec. 31, 2024 |
|---|---|---|
| Securities (Textuals) [Abstract] | ||
| Available-for-sale Securities Pledged as Collateral | $ 202.8 | $ 222.3 |
| Cost-method Investments, Aggregate Carrying Amount | $ 1.4 |
Composition of Provision for Credit Losses (Details) - USD ($) $ in Thousands |
3 Months Ended | 9 Months Ended | ||
|---|---|---|---|---|
Sep. 30, 2025 |
Sep. 30, 2024 |
Sep. 30, 2025 |
Sep. 30, 2024 |
|
| Summary Of Provision For Credit Losses [Abstract] | ||||
| Provision for credit losses related to loans and leases | $ (196) | $ (206) | $ (87) | $ 15 |
| Provision For Credit Losses In Reserve For Unfunded Commitments | (59) | 79 | (65) | 69 |
| Total Provision for credit losses | $ (255) | $ (127) | $ (152) | $ 84 |
Loans Textuals (Details) |
Sep. 30, 2025 |
|---|---|
| Loan and Lease Disclosure (Textuals) [Abstract] | |
| Percentage Of Loans Secured By Real Estate | 88.50% |
Mortgage Servicing Rights, Net (Details) - USD ($) $ in Thousands |
3 Months Ended | 9 Months Ended | ||
|---|---|---|---|---|
Sep. 30, 2025 |
Sep. 30, 2024 |
Sep. 30, 2025 |
Sep. 30, 2024 |
|
| Servicing Asset at Amortized Value, Balance [Roll Forward] | ||||
| Servicing Asset at Amortized Cost, Beginning | $ 827 | $ 942 | $ 892 | $ 992 |
| Servicing Asset at Amortized Value, Additions | 27 | 28 | 44 | 54 |
| Servicing Asset at Amortized Value, Amortization | 48 | 51 | 130 | 127 |
| Servicing Asset at Amortized Cost, Ending | 806 | 919 | 806 | 919 |
| Valuation Allowance for Impairment of Recognized Servicing Assets, Balance [Abstract] | ||||
| Valuation Allowance for Impairment of Recognized Servicing Assets, Beginning Balance | 0 | 0 | 0 | 0 |
| Valuation Allowance for Impairment of Recognized Servicing Assets, Ending Balance | 0 | 0 | 0 | 0 |
| Servicing Asset at Amortized Value, Fair Value [Abstract] | ||||
| Servicing Asset at Amortized Value, Fair Value, Beginning | 2,203 | 2,346 | 2,204 | 2,382 |
| Servicing Asset at Amortized Value, Fair Value, Ending | $ 2,110 | $ 2,171 | $ 2,110 | $ 2,171 |