Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
ASSETS
Noninterest-bearing cash equivalents	$ 4,545	$ 4,209
Interest-bearing deposits with other institutions	47,190	25,802
Cash and cash equivalents	51,735	30,011
Certificates of deposit with other banks	745	5,623
Securities available for sale, at fair value	86,804	78,813
Securities held to maturity (Fair value of $37,851 and $30,080, respectively)	39,519	31,822
Less: Allowance for credit losses	(533)
Securities held to maturity, net	38,986	31,822
Loans receivable	945,371	927,871
Less: Allowance for credit losses - loans	(10,526)	(4,666)
Net loans	934,845	923,205
Investments in restricted bank stock	4,134	3,377
Premises and equipment, net	6,497	6,743
Right-to-Use Asset – Premises	10,058	10,219
Bank-owned life insurance	24,384	19,244
Goodwill and other intangible assets	36,833	36,894
Deferred tax asset	6,749	5,619
Accrued interest receivable and other assets	12,188	12,084
TOTAL ASSETS	1,213,958	1,163,654
Deposits:
Total deposits	984,498	946,772
Other borrowings	31,250	20,938
Subordinated debt	40,441	40,484
Operating lease liabilities	10,058	10,219
Allowance for credit losses - unfunded commitments	1,055	54
Accrued interest payable and other liabilities	5,075	6,634
TOTAL LIABILITIES	1,072,377	1,025,101
COMMITMENTS AND CONTINGENT LIABILITIES (Note 10)
SHAREHOLDERS' EQUITY
Preferred stock (At March 31, 2023 and December 31, 2022: no par value; 5,000,000 shares authorized; no shares issued and outstanding.)
Common stock (At March 31, 2023 and December 31, 2022: $0.01 par value; 25,000,000 shares authorized; 16,221,692 and 14,939,640 shares issued and outstanding, respectively.)	250	149
Surplus	127,659	117,709
Retained earnings	18,911	27,100
Accumulated other comprehensive (loss) income	(5,239)	(6,405)
TOTAL SHAREHOLDERS' EQUITY	141,581	138,553
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	1,213,958	1,163,654
Demand, noninterest bearing
Deposits:
Total deposits	204,495	192,773
Interest bearing
Deposits:
Total deposits	$ 780,003	$ 753,999