Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 23,092	$ 21,073
Interest-bearing deposits with banks	17,785	185,608
Cash and cash equivalents	40,877	206,681
Securities available for sale, at fair value	427,287	406,782
Loans receivable	1,432,288	1,354,931
Less: Allowance for loan losses	16,931	16,442
Net loans receivable	1,415,357	1,338,489
Regulatory stock, at cost	2,220	3,927
Bank premises and equipment, net	17,427	17,289
Bank owned life insurance	43,169	40,038
Accrued interest receivable	6,303	5,889
Foreclosed real estate owned	346	1,742
Goodwill	29,266	29,266
Other intangibles	329	407
Other assets	36,289	17,994
TOTAL ASSETS	2,018,870	2,068,504
Deposits:
Non-interest bearing demand	453,560	440,652
Interest-bearing	1,315,236	1,316,141
Total deposits	1,768,796	1,756,793
Short-term borrowings	71,754	60,822
Other borrowings		29,998
Accrued interest payable	1,425	1,203
Other liabilities	18,046	14,426
TOTAL LIABILITIES	1,860,021	1,863,242
STOCKHOLDERS' EQUITY
Preferred stock, no par value per share, authorized: 5,000,000 shares; issued: none
Common stock, $0.10 par value per share, authorized: 20,000,000 shares, issued: 2022: 8,275,901 shares, 2021: 8,266,751 shares	828	827
Surplus	96,785	96,443
Retained earnings	125,243	110,015
Treasury stock at cost: 2022: 130,046 shares; 2021: 65,328 shares	(3,442)	(1,767)
Accumulated other comprehensive loss	(60,565)	(256)
TOTAL STOCKHOLDERS’ EQUITY	158,849	205,262
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 2,018,870	$ 2,068,504