CONSOLIDATED BALANCE SHEETS - UNAUDITED - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 30,020	$ 18,824
Federal funds sold	6,090	9,264
Interest-bearing deposits and other short-term investments	57,198	38,362
Total cash and cash equivalents	93,308	66,450
Securities available-for-sale, at fair value	178,785	160,704
Securities held-to-maturity, at amortized cost (Fair value of $162,314 at June 30, 2025 and $165,606 at December 31, 2024)	197,671	205,036
Marketable equity securities, at fair value	444	397
Total investment securities	376,900	366,137
Federal Home Loan Bank stock and other restricted stock, at amortized cost	5,818	5,818
Total Loans	2,092,631	2,070,189
Less: Allowance for credit losses	(19,733)	(19,529)
Net loans	2,072,898	2,050,660
Premises and equipment, net	23,462	24,421
Accrued interest receivable	8,719	8,468
Bank-owned life insurance	78,045	77,056
Deferred tax asset, net	12,781	13,997
Goodwill	12,487	12,487
Core deposit intangible	1,250	1,438
Other assets	25,481	26,158
TOTAL ASSETS	2,711,149	2,653,090
Deposits:
Non-interest-bearing deposits	595,263	565,620
Interest-bearing deposits	1,734,850	1,697,027
Total deposits	2,330,113	2,262,647
Borrowings:
Short-term borrowings	4,040	5,390
Long-term debt	98,000	98,000
Subordinated debt	19,771	19,751
Total borrowings	121,811	123,141
Securities pending settlement		8,622
Other liabilities	19,797	22,770
TOTAL LIABILITIES	2,471,721	2,417,180
SHAREHOLDERS' EQUITY:
Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at June 30, 2025 and December 31, 2024
Common stock - $0.01 par value, 75,000,000 shares authorized, 20,494,501 shares issued and outstanding at June 30, 2025; 20,875,713 shares issued and outstanding at December 31, 2024	205	209
Additional paid-in capital	115,885	119,326
Unearned compensation – Employee Stock Ownership Plan (“ESOP”)	(1,675)	(1,906)
Unearned compensation - Equity Incentive Plan	(1,935)	(1,190)
Retained earnings	146,762	142,745
Accumulated other comprehensive loss	(19,814)	(23,274)
TOTAL SHAREHOLDERS’ EQUITY	239,428	235,910
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 2,711,149	$ 2,653,090