Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS
Noninterest-bearing cash equivalents	$ 5,447	$ 4,209
Interest-bearing deposits with other institutions	62,532	25,802
Cash and cash equivalents	67,979	30,011
Certificates of deposit with other banks	249	5,623
Securities available for sale, at fair value	78,779	78,813
Securities held to maturity (Fair value of $34,588 and $30,080, respectively)	37,778	31,822
Less: Allowance for credit losses - securities	(512)
Securities held to maturity, net	37,266	31,822
Loans receivable	978,912	927,871
Less: Allowance for credit losses - loans	(9,964)	(4,666)
Net loans	968,948	923,205
Investments in restricted bank stock	3,107	3,377
Premises and equipment, net	6,414	6,743
Right-to-Use Asset – Premises	9,727	10,219
Bank-owned life insurance	24,732	19,244
Goodwill and other intangible assets	36,715	36,894
Deferred tax asset	6,880	5,619
Accrued interest receivable and other assets	14,899	12,084
TOTAL ASSETS	1,255,695	1,163,654
Deposits:
Total deposits	1,041,772	946,772
Other borrowings	15,000	20,938
Subordinated debt	40,354	40,484
Operating lease liabilities	9,728	10,219
Allowance for credit losses - unfunded commitments	904	54
Accrued interest payable and other liabilities	6,586	6,634
TOTAL LIABILITIES	1,114,344	1,025,101
COMMITMENTS AND CONTINGENT LIABILITIES (Note 10)
SHAREHOLDERS' EQUITY
Preferred stock (At September 30, 2023 and December 31, 2022: no par value; 5,000,000 shares authorized; no shares issued and outstanding.)
Common stock (At September 30, 2023 and December 31, 2022: $0.01 par value; 50,000,000 and 25,000,000 shares authorized, respectively; 16,235,871 and 14,939,640 shares issued and outstanding, respectively.)	162	149
Surplus	127,856	117,709
Retained earnings	19,062	27,100
Accumulated other comprehensive loss	(5,729)	(6,405)
TOTAL SHAREHOLDERS' EQUITY	141,351	138,553
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	1,255,695	1,163,654
Demand, noninterest bearing
Deposits:
Total deposits	210,404	192,773
Interest bearing
Deposits:
Total deposits	$ 831,368	$ 753,999