CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 6,828	$ 7,406
Interest bearing demand deposits with other banks	88,513	19,479
Total cash and cash equivalents	95,341	26,885
Interest bearing Time Deposits with Financial Institutions	750	750
Securities
Available-for-sale at fair value	95,720	91,801
CRA mutual fund at fair value	916	882
Federal Home Loan Bank of Boston stock at cost	3,158	3,242
Loans held-for-sale	2,761	332
Loans receivable, net (allowance for loan losses: $13,001 and $8,895)	1,031,593	927,413
Other real estate owned		314
Bank premises and equipment, net	18,727	17,385
Goodwill	13,815	13,815
Intangible assets (net of accumulated amortization: $5,132 and $4,884)	748	995
Accrued interest receivable	6,055	3,415
Cash surrender value of life insurance policies	17,572	20,580
Deferred taxes	2,252	1,249
Other assets	3,352	3,390
Total Assets	1,292,760	1,112,448
Deposits
Demand (non-interest bearing)	313,742	237,852
Demand (interest bearing)	201,760	153,314
Money market	270,097	239,504
Savings and other	181,691	161,112
Certificates of deposit	127,851	127,724
Total deposits	1,095,141	919,506
Repurchase agreements	10,885	8,530
Federal Home Loan Bank of Boston advances	43,880	50,887
Subordinated debt	9,877	9,859
Note payable	218	246
Finance lease obligations	1,685	1,718
Accrued interest and other liabilities	8,834	8,047
Total Liabilities	1,170,520	998,793
Shareholders' Equity
Outstanding: 2,843,292 and 2,825,912	284	283
Unearned compensation - restricted stock awards	(906)	(795)
Paid-in capital	45,171	44,490
Retained earnings	74,995	68,320
Accumulated other comprehensive income, net	2,696	1,357
Total Shareholders' Equity	122,240	113,655
Total Liabilities and Shareholders' Equity	$ 1,292,760	$ 1,112,448