CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 16,486	$ 13,218
Interest-bearing deposits with banks	66,632	54,300
Federal funds sold	162	150
Total cash and cash equivalents	83,280	67,668
Investment securities available-for-sale, at fair value	98,625	95,984
Loans receivable	670,731	657,536
Allowance for credit losses	(7,832)	(7,684)
Net loans	662,899	649,852
Bank premises and equipment, net	17,035	17,070
Other real estate owned	57	87
Accrued interest receivable	3,647	3,458
Deferred taxes, net	4,310	4,809
Insurance benefit receivable		5,417
Right-of-use assets – operating leases	3,348	3,413
Other assets	7,546	7,167
Total assets	880,747	854,925
Deposits:
Noninterest bearing	234,094	224,938
Interest-bearing	542,756	525,044
Total deposits	776,850	749,982
Borrowed funds	21,986	24,986
Lease liabilities – operating leases	3,348	3,413
Accrued interest payable	1,348	1,442
Accrued expenses and other liabilities	4,643	4,361
Total liabilities	808,175	784,184
SHAREHOLDERS’ EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,613,947 and 23,636,724 shares issued and outstanding at March 31, 2025 and December 31, 2024, respectively	47,228	47,273
Additional paid-in-capital	14,428	14,451
Retained earnings	21,020	21,001
Accumulated other comprehensive loss	(10,104)	(11,984)
Total shareholders’ equity	72,572	70,741
Total liabilities and shareholders’ equity	$ 880,747	$ 854,925