CONSOLIDATED BALANCE SHEETS(UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
ASSETS
Cash and due from banks	$ 16,540	$ 13,849
Interest-bearing deposits with banks	76,197	63,109
Federal funds sold	156	252
Total cash and cash equivalents	92,893	77,210
Investment securities available-for-sale, at fair value	96,860	96,433
Restricted stock, at cost	2,636	2,598
Loans receivable	723,305	709,587
Allowance for credit losses	(8,116)	(8,107)
Net loans	715,189	701,480
Bank premises and equipment, net	16,124	16,400
Other real estate owned	184	89
Accrued interest receivable	3,910	3,451
Deferred taxes, net	4,066	3,895
Right-of-use assets – operating leases	2,879	2,998
Other assets	4,828	5,146
Total assets	939,569	909,700
Deposits:
Noninterest bearing	242,598	220,829
Interest-bearing	585,056	577,437
Total deposits	827,654	798,266
Borrowed funds	18,986	18,986
Lease liabilities – operating leases	2,879	2,998
Accrued interest payable	1,316	1,507
Accrued expenses and other liabilities	5,617	5,088
Total liabilities	856,452	826,845
SHAREHOLDERS’ EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,555,517 and 23,567,013 shares issued and outstanding at March 31, 2026 and December 31, 2025, respectively	47,111	47,134
Additional paid-in-capital	14,360	14,378
Retained earnings	30,152	29,210
Accumulated other comprehensive loss	(8,506)	(7,867)
Total shareholders’ equity	83,117	82,855
Total liabilities and shareholders’ equity	$ 939,569	$ 909,700