CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Assets
Cash and due from banks	$ 4,772	$ 5,168
Federal funds sold and overnight deposits	8,940	10,670
Cash and cash equivalents	13,712	15,838
Interest bearing deposits in banks	7,959	9,462
Investment securities available-for-sale	247,892	250,504
Other investments	1,739	1,754
Total investments	249,631	252,258
Loans held for sale	4,055	5,204
Loans	1,161,159	1,155,736
Allowance for credit losses on loans	(8,110)	(7,680)
Net deferred loan costs	2,162	2,162
Net loans	1,155,211	1,150,218
Premises and equipment, net	19,988	20,225
Other assets	74,276	75,153
Total assets	1,524,832	1,528,358
Deposits
Noninterest bearing	232,550	226,048
Interest bearing	682,886	714,862
Time	265,940	227,984
Total deposits	1,181,376	1,168,894
Borrowed funds	240,696	259,696
Subordinated notes	16,281	16,273
Accrued interest and other liabilities	16,405	17,015
Total liabilities	1,454,758	1,461,878
Commitments and Contingencies
Stockholders’ Equity
Common stock, $2.00 par value; 7,500,000 shares authorized; 5,012,084 shares issued at March 31, 2025 and December 31, 2024	10,024	10,024
Additional paid-in capital	3,190	3,031
Retained earnings	92,589	91,722
Treasury stock at cost; 473,486 shares at March 31, 2025 and 474,075 shares at December 31, 2024	(4,295)	(4,300)
Accumulated other comprehensive loss	(31,434)	(33,997)
Total stockholders' equity	70,074	66,480
Total liabilities and stockholders' equity	$ 1,524,832	$ 1,528,358