CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 4,468	$ 4,429
Federal funds sold and overnight deposits	42,793	73,237
Cash and cash equivalents	47,261	77,666
Interest bearing deposits in banks	13,445	14,690
Investment securities available-for-sale	244,935	264,383
Other investments	1,723	1,500
Total investments	246,658	265,883
Loans held for sale	8,449	3,070
Loans	1,117,461	1,028,270
Allowance for credit losses on loans	(7,366)	(6,566)
Net deferred loan costs	2,019	1,752
Net loans	1,112,114	1,023,456
Premises and equipment, net	20,460	20,771
Other assets	71,107	63,343
Total assets	1,519,494	1,468,879
Deposits
Noninterest bearing	233,770	250,992
Interest bearing	643,593	765,689
Time	295,900	288,922
Total deposits	1,173,263	1,305,603
Borrowed funds	240,696	65,696
Subordinated notes	16,264	16,239
Accrued interest and other liabilities	16,970	15,534
Total liabilities	1,447,193	1,403,072
Commitments and Contingencies
Stockholders’ Equity
Common stock, $2.00 par value; 7,500,000 shares authorized; 4,999,220 shares issued at September 30, 2024 and 4,995,348 shares issued at December 31, 2023	9,999	9,991
Additional paid-in capital	3,089	2,621
Retained earnings	90,350	89,472
Treasury stock at cost; 474,670 shares at September 30, 2024 and 476,500 shares at December 31, 2023	(4,306)	(4,322)
Accumulated other comprehensive loss	(26,831)	(31,955)
Total stockholders' equity	72,301	65,807
Total liabilities and stockholders' equity	$ 1,519,494	$ 1,468,879