Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Noninterest-bearing cash equivalents	$ 6,425	$ 8,620
Interest-bearing deposits with other institutions	102,704	13,970
Cash and cash equivalents	109,129	22,590
Certificates of deposit with other banks	12,828	12,828
Securities available for sale, at fair value	93,202	103,783
Securities held to maturity (Fair value of $4,981 and $0, respectively)	5,000
Loans held for sale	4,074	3,860
Loans receivable, net of allowance for loan losses of $3,443 at March 31, 2021, and $3,152 at December 31, 2021	727,618	711,664
Investments in restricted bank stock	3,612	2,685
Premises and equipment, net	5,253	5,289
Right-to-Use Asset – Premises	4,605	4,680
Bank-owned life insurance	18,898	18,787
Goodwill and other intangible assets	37,085	37,152
Deferred tax asset	5,092	4,038
Accrued interest receivable and other assets	9,280	5,407
TOTAL ASSETS	1,035,676	932,763
Deposits:
Total deposits	862,170	771,665
Other borrowings	36,117	19,814
Subordinated debt	20,653	20,696
Operating lease liabilities	4,606	4,680
Accrued interest payable and other liabilities	5,790	6,285
TOTAL LIABILITIES	929,336	823,140
COMMITMENTS AND CONTINGENT LIABILITIES (Note 10)
SHAREHOLDERS' EQUITY
Preferred stock (At March 31, 2022 and December 31, 2021: no par value; 5,000,000 shares authorized; no shares issued and outstanding.)
Common stock (At March 31, 2022 and December 31, 2021: $0.01 par value; 25,000,000 shares authorized; 9,826,435 shares issued and outstanding.)	99	99
Surplus	82,930	82,910
Retained earnings	25,623	24,836
Accumulated other comprehensive (loss) income	(2,312)	1,778
TOTAL SHAREHOLDERS' EQUITY	106,340	109,623
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	1,035,676	932,763
Demand, noninterest bearing
Deposits:
Total deposits	165,228	129,243
Interest bearing
Deposits:
Total deposits	$ 696,942	$ 642,422