Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
ASSETS
Noninterest-bearing cash equivalents	$ 8,711	$ 8,620
Interest-bearing deposits with other institutions	66,085	13,970
Cash and cash equivalents	74,796	22,590
Certificates of deposit with other banks	8,358	12,828
Securities available for sale, at fair value	78,698	103,783
Securities held to maturity (Fair value of $30,915 and $0, respectively)	32,571	0
Loans held for sale	0	3,860
Loans receivable	863,969	714,816
Less: Allowance for loan losses	(4,569)	(3,152)
Net loans	859,400	711,664
Investments in restricted bank stock	3,327	2,685
Premises and equipment, net	9,087	5,289
Right-to-Use Asset – Premises	8,920	4,680
Bank-owned life insurance	19,127	18,787
Goodwill and other intangible assets	36,955	37,152
Deferred tax asset	6,378	4,038
Accrued interest receivable and other assets	7,256	5,407
TOTAL ASSETS	1,144,873	932,763
Deposits:
Total deposits	951,710	771,665
Other borrowings	0	19,814
Subordinated debt	40,526	20,696
Operating lease liabilities	8,921	4,680
Accrued interest payable and other liabilities	6,774	6,285
TOTAL LIABILITIES	1,007,931	823,140
COMMITMENTS AND CONTINGENT LIABILITIES (Note 10)
SHAREHOLDERS' EQUITY
Preferred stock (At September 30, 2022 and December 31, 2021: no par value; 5,000,000 shares authorized; no shares issued and outstanding.)
Common stock (At September 30, 2022 and December 31, 2021: $0.01 par value; 25,000,000 shares authorized; 14,939,640 and 9,826,435 shares issued and outstanding, respectively.)	149	99
Surplus	117,698	82,910
Retained earnings	27,525	24,836
Accumulated other comprehensive (loss) income	(8,430)	1,778
TOTAL SHAREHOLDERS' EQUITY	136,942	109,623
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	1,144,873	932,763
Demand, noninterest bearing
Deposits:
Total deposits	184,857	129,243
Interest bearing
Deposits:
Total deposits	$ 766,853	$ 642,422