Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
ASSETS
Noninterest-bearing cash equivalents	$ 4,736	$ 4,209
Interest-bearing deposits with other institutions	118,438	25,802
Cash and cash equivalents	123,174	30,011
Certificates of deposit with other banks	498	5,623
Securities available for sale, at fair value	83,620	78,813
Securities held to maturity (Fair value of $36,058 and $30,080, respectively)	38,806	31,822
Less: Allowance for credit losses - securities	(586)
Securities held to maturity, net	38,220	31,822
Loans receivable	969,533	927,871
Less: Allowance for credit losses - loans	(10,228)	(4,666)
Net loans	959,305	923,205
Investments in restricted bank stock	5,544	3,377
Premises and equipment, net	6,292	6,743
Right-to-Use Asset – Premises	9,896	10,219
Bank-owned life insurance	24,554	19,244
Goodwill and other intangible assets	36,774	36,894
Deferred tax asset	6,571	5,619
Accrued interest receivable and other assets	14,024	12,084
TOTAL ASSETS	1,308,472	1,163,654
Deposits:
Total deposits	1,034,842	946,772
Other borrowings	74,899	20,938
Subordinated debt	40,398	40,484
Operating lease liabilities	9,896	10,219
Allowance for credit losses - unfunded commitments	904	54
Accrued interest payable and other liabilities	5,081	6,634
TOTAL LIABILITIES	1,166,020	1,025,101
COMMITMENTS AND CONTINGENT LIABILITIES (Note 10)
SHAREHOLDERS' EQUITY
Preferred stock (At June 30, 2023 and December 31, 2022: no par value; 5,000,000 shares authorized; no shares issued and outstanding.)
Common stock (At June 30, 2023 and December 31, 2022: $0.01 par value; 50,000,000 and 25,000,000 shares authorized, respectively; 16,228,440 and 14,939,640 shares issued and outstanding, respectively.)	162	149
Surplus	127,818	117,709
Retained earnings	19,039	27,100
Accumulated other comprehensive loss	(4,567)	(6,405)
TOTAL SHAREHOLDERS' EQUITY	142,452	138,553
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	1,308,472	1,163,654
Demand, noninterest bearing
Deposits:
Total deposits	240,729	192,773
Interest bearing
Deposits:
Total deposits	$ 794,113	$ 753,999