Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Noninterest-bearing cash equivalents	$ 4,209	$ 8,620
Interest-bearing deposits with other institutions	25,802	13,970
Cash and cash equivalents	30,011	22,590
Certificates of deposit with other banks	5,623	12,828
Securities available for sale, at fair value	78,813	103,783
Securities held to maturity (Fair value of $30,080 and $0, respectively)	31,822	0
Loans held for sale	0	3,860
Loans receivable	927,871	714,816
Less: Allowance for loan losses	(4,666)	(3,152)
Total	923,205	711,664
Investments in restricted bank stock	3,377	2,685
Premises and equipment, net	6,743	5,289
Right-to-Use Asset – Premises	10,219	4,680
Bank-owned life insurance	19,244	18,787
Goodwill and other intangible assets	36,894	37,152
Deferred tax asset	5,619	4,038
Accrued interest receivable and other assets	12,084	5,407
TOTAL ASSETS	1,163,654	932,763
Deposits:
Total deposits	946,772	771,665
Other borrowings	20,938	19,814
Subordinated debt	40,484	20,696
Operating lease liabilities	10,219	4,680
Accrued interest payable and other liabilities	6,688	6,285
TOTAL LIABILITIES	1,025,101	823,140
COMMITMENTS AND CONTINGENT LIABILITIES (Notes 1, 8, and 18)
SHAREHOLDERS' EQUITY
Preferred stock (At December 31, 2022 and 2021: no par value; 5,000,000 shares authorized; no shares issued and outstanding.)
Common stock (At December 31, 2022 and 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	117,709	82,910
Retained earnings	27,100	24,836
Accumulated other comprehensive (loss) income	(6,405)	1,778
TOTAL SHAREHOLDERS' EQUITY	138,553	109,623
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	1,163,654	932,763
Demand, noninterest bearing
Deposits:
Total deposits	192,773	129,243
Interest bearing
Deposits:
Total deposits	$ 753,999	$ 642,422