CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 13,686	$ 13,218
Interest-bearing deposits with banks	66,538	54,300
Federal funds sold	486	150
Total cash and cash equivalents	80,710	67,668
Investment securities available-for-sale, at fair value	96,153	95,984
Loans receivable	707,272	657,536
Allowance for credit losses	(7,967)	(7,684)
Net loans	699,305	649,852
Bank premises and equipment, net	16,689	17,070
Other real estate owned	89	87
Accrued interest receivable	3,849	3,458
Deferred taxes, net	3,837	4,809
Insurance benefit receivable		5,417
Right-of-use assets – operating leases	3,117	3,413
Other assets	6,975	7,167
Total assets	910,724	854,925
Deposits:
Noninterest bearing	228,881	224,938
Interest-bearing	570,495	525,044
Total deposits	799,376	749,982
Borrowed funds	21,986	24,986
Lease liabilities – operating leases	3,117	3,413
Accrued interest payable	1,491	1,442
Accrued expenses and other liabilities	5,226	4,361
Total liabilities	831,196	784,184
SHAREHBOLDERS’ EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,577,193 and 23,636,724 shares issued and outstanding at September 30, 2025 and December 31, 2024, respectively	47,154	47,273
Additional paid-in-capital	14,390	14,451
Retained earnings	26,310	21,001
Accumulated other comprehensive loss	(8,326)	(11,984)
Total shareholders’ equity	79,528	70,741
Total liabilities and shareholders’ equity	$ 910,724	$ 854,925