CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 15,670	$ 13,979
Interest-bearing deposits with banks	37,142	46,747
Federal funds sold	65	960
Total cash and cash equivalents	52,877	61,686
Investment securities available-for-sale	87,452	96,076
Loans receivable	626,203	584,613
Allowance for credit losses	(6,908)	(6,727)
Net loans	619,295	577,886
Bank premises and equipment, net	18,554	19,290
Other real estate owned	261	261
Accrued interest receivable	2,749	2,555
Deferred taxes, net	4,973	4,623
Bank owned life insurance	4,593	4,549
Right-of-use assets – operating leases	3,472	3,725
Other assets	5,727	4,707
Total assets	799,953	775,358
Deposits:
Noninterest bearing	240,283	249,924
Interest-bearing	464,539	442,783
Total deposits	704,822	692,707
Borrowed funds	26,496	16,496
Lease liabilities – operating leases	3,472	3,725
Accrued interest payable	1,097	526
Accrued expenses and other liabilities	4,108	4,685
Total liabilities	739,995	718,139
23,783,104 and 23,848,491 shares issued and outstanding at September 30, 2023 and December 31, 2022, respectively	47,566	47,697
Additional paid-in-capital	14,530	14,546
Retained earnings	12,909	8,917
Accumulated other comprehensive loss	(15,047)	(13,941)
Total shareholders’ equity	59,958	57,219
Total liabilities and shareholders’ equity	$ 799,953	$ 775,358