CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 18,838	$ 13,218
Interest-bearing deposits with banks	53,195	54,300
Federal funds sold	126	150
Total cash and cash equivalents	72,159	67,668
Investment securities available-for-sale, at fair value	96,749	95,984
Loans receivable	695,815	657,536
Allowance for credit losses	(7,948)	(7,684)
Net loans	687,867	649,852
Bank premises and equipment, net	16,896	17,070
Other real estate owned	57	87
Accrued interest receivable	3,581	3,458
Deferred taxes, net	4,368	4,809
Insurance benefit receivable		5,417
Right-of-use assets – operating leases	3,234	3,413
Other assets	8,019	7,167
Total assets	892,930	854,925
Deposits:
Noninterest bearing	233,567	224,938
Interest-bearing	548,342	525,044
Total deposits	781,909	749,982
Borrowed funds	26,986	24,986
Lease liabilities – operating leases	3,234	3,413
Accrued interest payable	1,427	1,442
Accrued expenses and other liabilities	4,530	4,361
Total liabilities	818,086	784,184
SHAREHOLDERS’ EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,600,878 and 23,636,724 shares issued and outstanding at June 30, 2025 and December 31, 2024, respectively	47,202	47,273
Additional paid-in-capital	14,416	14,451
Retained earnings	23,552	21,001
Accumulated other comprehensive loss	(10,326)	(11,984)
Total shareholders’ equity	74,844	70,741
Total liabilities and shareholders’ equity	$ 892,930	$ 854,925