CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Cash and due from banks:
Noninterest bearing deposits and cash	$ 5,182	$ 3,264
Interest bearing deposits	33,311	43,781
Total cash and cash equivalents	38,493	47,045
Investment securities:
Available-for-sale securities, at fair value	84,520	94,341
Other investments, at cost	4,450	4,450
Total investment securities	88,970	98,791
Federal Reserve Bank stock, at cost	2,627	2,843
Federal Home Loan Bank stock, at cost	3,874	4,184
Loans receivable (net of allowance for loan and lease losses: 2022: $10,310 and 2021: $9,905)	838,006	729,583
Loans held for sale	5,211	3,129
Accrued interest and dividends receivable	7,267	5,822
Premises and equipment, net	30,641	31,500
Deferred tax asset	15,527	12,146
Goodwill	1,107	1,107
Core deposit intangible, net	249	296
Other assets	11,387	12,035
Total assets	1,043,359	948,481
Deposits:
Noninterest bearing deposits	269,636	226,713
Interest bearing deposits	590,810	521,849
Total deposits	860,446	748,562
Federal Home Loan Bank and correspondent bank borrowings	85,000	90,000
Senior notes, net	11,640	12,000
Subordinated debt, net	9,840	9,811
Junior subordinated debt owed to unconsolidated trust, net	8,128	8,119
Note payable	585	791
Advances from borrowers for taxes and insurance	886	1,101
Accrued expenses and other liabilities	7,251	10,753
Total liabilities	983,776	881,137
Commitments and Contingencies
Shareholders' equity
Preferred stock, no par value; 1,000,000 shares authorized, no shares issued and outstanding	0	0
Common stock, $.01 par value, 100,000,000 shares authorized; As of December 31, 2022: 4,038,927 shares issued; 3,965,186 shares outstanding; As of December 31, 2021: 4,030,233 shares issued; 3,956,492 shares outstanding;	106,565	106,479
Accumulated deficit	(31,337)	(37,498)
Accumulated other comprehensive loss	(15,645)	(1,637)
Total shareholders' equity	59,583	67,344
Total liabilities and shareholders' equity	$ 1,043,359	$ 948,481