Consolidated Statements of Financial Condition (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 40,955	$ 53,581	[1]
Federal funds sold	191,159	60,932	[1]
Cash and cash equivalents	232,114	114,513	[1]
Investment securities available-for-sale, at fair value	58,489	59,928	[1]
Investment securities held-to-maturity, at amortized cost, net of allowance for credit losses of $0 and $0, respectively.	16,016	17,275
Restricted securities, at amortized cost	26,745	24,356
Loans, net of allowance for credit losses of $18,327 and $16,506, respectively	1,775,558	1,705,137
Premises and equipment, net	13,571	13,944	[1]
Accrued interest and other receivables	11,077	12,390	[1]
Bank owned life insurance	39,203	38,318	[1]
Computer software, net of amortization	18,881	14,657	[1]
Other assets	32,945	34,914	[1]
Total Assets	2,224,599	2,035,432	[1]
Liabilities
Non-interest bearing demand deposits	347,575	364,606
Interest bearing demand deposits	197,527	137,128	[1]
Savings and NOW deposits	61,893	45,878	[1]
Money market deposits	451,936	442,179	[1]
Time deposits	834,738	696,336	[1]
Total deposits	1,893,669	1,686,127	[1]
Federal funds purchased	0	15,000
Subordinated debt, net	72,940	72,642	[1]
Allowance for credit losses on off-balance sheet credit exposure	145	1,009
Other liabilities	31,794	39,137	[1]
Total Liabilities	1,998,548	1,813,915	[1]
Stockholders’ Equity
Preferred stock, $1.00 par value, 2,000,000 shares authorized; 28,750 shares issued and outstanding at September 30, 2024 and December 31, 2023	27,263	27,263
Common stock, $4.00 par value, 10,000,000 shares authorized; issued and outstanding 7,602,783 shares (including 237,286 nonvested shares) at September 30, 2024 and 7,527,415 shares (including 228,300 nonvested shares) at December 31, 2023	29,463	29,198	[1]
Capital surplus	67,083	65,985	[1]
Retained earnings	108,616	106,549	[1]
Accumulated other comprehensive loss	(6,374)	(7,478)
Total Stockholders’ Equity	226,051	221,517	[1]
Total Liabilities and Stockholders’ Equity	$ 2,224,599	$ 2,035,432	[1]

[1] Derived from audited consolidated financial statements.