Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Noninterest-bearing cash equivalents	$ 8,620	$ 5,709
Interest-bearing deposits with other institutions	13,970	27,453
Cash and cash equivalents	22,590	33,162
Certificates of deposit with other banks	12,828	17,051
Securities available for sale, at fair value	103,783	125,447
Loans held for sale	3,860	1,015
Loans receivable, net of allowance for loan losses of $3,106 at December 31, 2021, and $2,789 at December 31, 2020	711,664	233,795
Investments in restricted bank stock	2,685	2,268
Premises and equipment, net	5,289	3,428
Right-to-Use Asset – Premises	4,680	370
Bank-owned life insurance	18,787	8,941
Goodwill and other intangible assets	37,152	2,509
Deferred tax asset	4,038
Accrued interest receivable and other assets	5,407	1,558
TOTAL ASSETS	932,763	429,544
Deposits:
Total deposits	771,665	375,124
Other Borrowings	19,814	1,120
Subordinated Debt	20,696	0
Operating Lease Liabilities	4,680	370
Deferred tax liability	0	22
Accrued interest payable and other liabilities	6,285	2,234
TOTAL LIABILITIES	823,140	378,870
COMMITMENTS AND CONTINGENT LIABILITIES (Notes 1, 8, and 18)
SHAREHOLDERS' EQUITY
Preferred stock (At December 31, 2021: no par value; 5,000,000 shares authorized; no shares issued and outstanding. At December 31, 2020: no shares authorized)
Common stock (At December 31, 2021: $0.01 par value; 25,000,000 shares authorized; 9,826,435 shares issued and outstanding. At December 31, 2020: $0.01 par value; 14,612,800 shares authorized; 5,715,950 shares issued and 5,691,686 shares outstanding)	99	57
Surplus	82,910	21,604
Retained earnings	24,836	26,009
Accumulated other comprehensive income	1,778	3,192
Treasury stock (0 and 24,265 shares at December 31, 2021 and December 31, 2020, respectively		(188)
TOTAL SHAREHOLDERS' EQUITY	109,623	50,674
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	932,763	429,544
Demand, noninterest bearing
Deposits:
Total deposits	129,243	66,573
Interest bearing
Deposits:
Total deposits	$ 642,422	$ 308,551