Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
Consolidated Balance Sheets
Cash and due from banks	$ 33,017	$ 30,919
Interest-bearing deposits	68,983	28,347
Cash and cash equivalents	102,000	59,266
Investment securities available for sale	371,614	388,003
Other investments	2,648	2,728
Total securities	374,262	390,731
Mortgage loans held for sale	1,541	1,367
Loans	1,157,975	1,138,404
Less allowance for credit losses	(9,792)	(9,995)
Net loans	1,148,183	1,128,409
Premises and equipment, net	14,644	14,847
Cash surrender value of life insurance	17,587	17,675
Other real estate	0	369
Right of use lease asset	3,713	4,013
Accrued interest receivable and other assets	31,915	35,285
Total assets	1,693,845	1,651,962
Deposits:
Noninterest-bearing demand	406,556	402,254
Interest-bearing demand, MMDA & savings	754,125	741,363
Time, over $250,000	150,580	145,939
Other time	202,558	195,175
Total deposits	1,513,819	1,484,731
Junior subordinated debentures	15,464	15,464
Lease liability	3,844	4,136
Accrued interest payable and other liabilities	16,713	17,068
Total liabilities	1,549,840	1,521,399
Shareholders' equity:
Preferred stock, no par value; authorized 5,000,000 shares; no shares issued and outstanding	0	0
Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,459,441 shares at June 30, 2025 and 5,457,646 shares at December 31, 2024	48,708	48,658
Common stock held by deferred compensation trust, at cost; 150,463 shares at June 30, 2025 and 158,580 shares at December 31, 2024	(1,527)	(1,757)
Deferred compensation	1,527	1,757
Retained earnings	127,506	121,062
Accumulated other comprehensive loss	(32,209)	(39,157)
Total shareholders' equity	144,005	130,563
Total liabilities and shareholders' equity	$ 1,693,845	$ 1,651,962