CONSOLIDATED BALANCE SHEETS - USD ($)	Dec. 31, 2024	Dec. 31, 2023
Cash and cash equivalents:
Cash and due from banks	$ 9,770,000	$ 7,284,000
Interest-bearing deposits in other financial institutions	226,271,000	247,158,000
Total cash and cash equivalents	236,041,000	254,442,000
Held-to-maturity debt securities, net of allowance for credit losses of $71 and $71 (fair value of $68,161 and $66,617), respectively	75,724,000	74,102,000
Correspondent bank stock, at cost	5,864,000	7,155,000
Mortgage loans held for sale, at fair value	25,455,000	7,254,000
Loans held for sale, at fair value	251,000	0
Loans (includes $7,283 and $13,726 measured at fair value, respectively)	2,425,565,000	2,530,915,000
Allowance for credit losses	(18,330,000)	(23,931,000)
Loans, net	2,407,235,000	2,506,984,000
Premises and equipment, net	24,129,000	25,256,000
Accrued interest receivable	10,364,000	11,428,000
Accounts receivable	4,763,000	5,095,000
Other receivables	5,710,000	4,467,000
Other real estate owned, net	35,929,000	0
Goodwill and other intangible assets, net	31,627,000	31,854,000
Deferred tax assets, net	3,079,000	6,407,000
Company-owned life insurance	16,961,000	16,530,000
Other assets	35,905,000	24,488,000
Total assets	2,919,037,000	2,975,462,000
Deposits:
Noninterest-bearing	375,603,000	482,579,000
Interest-bearing	2,138,606,000	2,046,460,000
Total deposits	2,514,209,000	2,529,039,000
Borrowings:
Federal Home Loan Bank and Federal Reserve borrowings	57,038,000	125,711,000
Subordinated notes	52,565,000	52,340,000
Accrued interest payable	1,995,000	3,793,000
Other liabilities	40,908,000	21,841,000
Total liabilities	2,666,715,000	2,732,724,000
Shareholders' Equity
Preferred stock - no par value; 10,000,000 shares authorized; 0 issued and outstanding	0	0
Common stock - no par value; 90,000,000 shares authorized; 9,667,142 and 9,581,183 shares issued and outstanding as of December 31, 2024 and 2023, respectively	0	0
Additional paid-in capital	193,585,000	192,894,000
Retained earnings	59,515,000	51,042,000
Accumulated other comprehensive loss	(778,000)	(1,198,000)
Total shareholders’ equity	252,322,000	242,738,000
Total liabilities and shareholders’ equity	$ 2,919,037,000	$ 2,975,462,000