Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 13,241	$ 10,383
Federal funds sold	12,163	7,331
Total cash and cash equivalents	25,404	17,714
Investment securities available for sale, at fair value	83,962	105,585
Restricted stock, at cost	1,802	2,985
Loans held for sale	2,442	4,983
Loans
Allowance for credit losses	(3,700)	(3,423)
Loans
Outstandings	614,772	575,008
Allowance for credit losses	(3,700)	(3,423)
Deferred costs, net	612	803
Total loans, net	611,684	572,388
Premises and equipment, net	11,539	11,760
Bank owned life insurance	13,387	13,120
Accrued interest receivable	3,593	3,827
Other assets	5,652	4,254
Total Assets	759,465	736,616
Deposits
Noninterest bearing demand	246,838	247,624
Interest bearing	399,362	357,721
Total deposits	646,200	605,345
Long-term debt - trust preferred securities	8,764	8,764
Subordinated debt, net	5,700	5,700
Federal Home Loan Bank advances	20,000	45,000
Accrued interest payable	364	210
Other liabilities	4,238	4,041
Total liabilities	685,266	669,060
Shareholders' equity
Common stock, $4 par value, 10,000,000 shares authorized; 1,495,160 shares issued and outstanding at June 30, 2024 and 1,492,879 shares issued and outstanding at December 31, 2023	5,918	5,908
Additional paid-in capital	55,821	55,486
Retained earnings	16,499	11,775
Stock in directors rabbi trust	(439)	(467)
Directors deferred fees obligation	439	467
Accumulated other comprehensive loss	(4,039)	(5,613)
Total shareholders' equity	74,199	67,556
Total liabilities and shareholders' equity	$ 759,465	$ 736,616