CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 16,100	$ 12,161
Interest-earning bank balances	1,815	13,140
Federal funds sold	125,086	28,050
Total cash and cash equivalents	143,001	53,351
Securities available-for-sale, at fair value	87,172	83,402
Securities held-to-maturity (fair value $196 and $200, at June 30, 2023 and December 31, 2022, respectively)	197	201
Loans receivable, net of deferred costs	1,499,691	1,370,368
Less: allowance for credit lossess	(17,970)	(16,461)
Loan receivable, net	1,481,721	1,353,907
Bank-owned life insurance	53,202	52,617
Premises and equipment, net	14,616	11,722
Accrued interest receivable	5,575	4,756
Restricted investment in bank stock	1,385	1,742
Deferred taxes, net	12,672	7,599
Goodwill	8,853	8,853
Core deposit intangible	1,662	1,825
Mortgage servicing rights	1,623	0
Other real estate owned	33	0
Operating lease right-of-use asset	23,050	16,026
Other assets	8,264	5,778
TOTAL ASSETS	1,843,026	1,601,779
Deposits:
Non-interest-bearing	258,014	265,078
Interest-bearing	1,314,884	1,082,652
Total deposits	1,572,898	1,347,730
Borrowings	0	10,000
Accrued interest payable	6,174	1,027
Operating lease liability	23,805	16,772
Other liabilities	11,250	6,649
TOTAL LIABILITIES	1,614,127	1,382,178
STOCKHOLDERS' EQUITY
Common stock, no par value; 15,000,000 shares authorized, 6,279,479 shares issued and outstanding at June 30 2023; at December 31, 2022, par value $5.00 per share, 6,909,402 shares issued and 6,245,597 shares outstanding	0	34,547
Paid-in capital	97,103	81,291
Treasury stock, at cost 663,805 shares at December 31, 2022	0	(19,452)
Retained earnings	140,310	131,488
Accumulated other comprehensive loss	(8,514)	(8,273)
TOTAL STOCKHOLDER'S EQUITY	228,899	219,601
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,843,026	$ 1,601,779