Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 10,994	$ 9,124
Interest-bearing deposits in other banks	62,666	37,203
Federal funds sold	13	14
Securities available for sale, at fair value	84,590	79,783
Restricted investments	1,835	2,016
Mortgage loans held for sale	235	247
Loans	638,103	550,226
Allowance for loan losses	(6,701)	(5,227)
Loans, net	631,402	544,999
Premises and equipment, net	16,790	17,492
Accrued interest receivable	2,635	1,984
Other real estate owned, net	1,356	1,356
Bank-owned life insurance	14,231	13,961
Other assets	13,539	13,992
Total assets	840,286	722,171
Deposits:
Noninterest-bearing checking	179,650	123,492
Interest-bearing:
Checking	252,627	242,531
Savings and money market accounts	235,718	182,007
Time deposits	71,839	74,125
Total interest-bearing	560,184	498,663
Total deposits	739,834	622,155
Federal Home Loan Bank advances	12,629	16,695
Junior subordinated debt	4,124	4,124
Other liabilities	11,492	12,075
Total liabilities	768,079	655,049
Shareholders’ Equity
Common stock, par value $3.13, and additional paid-in capital; authorized: 8,000,000 shares; issued and outstanding: 3,794,725 and 3,783,724 shares including 19,843 and 20,352 unvested restricted shares, respectively	16,152	15,964
Retained earnings	52,885	49,787
Accumulated other comprehensive income, net	3,170	1,371
Total shareholders’ equity	72,207	67,122
Total liabilities and shareholders’ equity	$ 840,286	$ 722,171