CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 5,168	$ 4,429
Federal funds sold and overnight deposits	10,670	73,237
Cash and cash equivalents	15,838	77,666
Interest bearing deposits in banks	9,462	14,690
Investment securities available-for-sale	250,504	264,383
Other investments	1,754	1,500
Total investments	252,258	265,883
Loans held for sale	5,204	3,070
Loans	1,155,736	1,028,270
Allowance for credit losses on loans	(7,680)	(6,566)
Net deferred loan costs	2,162	1,752
Net loans	1,150,218	1,023,456
Premises and equipment, net	20,225	20,771
Other assets	75,153	63,343
Total assets	1,528,358	1,468,879
Deposits
Noninterest bearing	226,048	250,992
Interest bearing	714,862	765,689
Time	227,984	288,922
Total deposits	1,168,894	1,305,603
Borrowed funds	259,696	65,696
Subordinated notes	16,273	16,239
Accrued interest and other liabilities	17,015	15,534
Total liabilities	1,461,878	1,403,072
Commitments and Contingencies (Notes 9, 15, 16, 18, 19 and 22)
Stockholders’ Equity
Common stock, $2.00 par value; 7,500,000 shares authorized; 5,012,084 shares issued at December 31, 2024 and 4,995,348 shares issued at December 31, 2023	10,024	9,991
Additional-paid-in capital	3,031	2,621
Retained earnings	91,722	89,472
Treasury stock at cost; 474,075 shares at December 31, 2024 and 476,500 shares at December 31, 2023	(4,300)	(4,322)
Accumulated other comprehensive loss	(33,997)	(31,955)
Total stockholders' equity	66,480	65,807
Total liabilities and stockholders' equity	$ 1,528,358	$ 1,468,879