CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
Assets
Cash and due from banks	$ 4,731	$ 5,168
Federal funds sold and overnight deposits	24,536	10,670
Cash and cash equivalents	29,267	15,838
Interest bearing deposits in banks	6,963	9,462
Investment securities available-for-sale	240,537	250,504
Other investments	1,886	1,754
Total investments	242,423	252,258
Loans held for sale	8,992	5,204
Loans	1,102,766	1,155,736
Allowance for credit losses on loans	(8,307)	(7,680)
Net deferred loan costs	2,156	2,162
Net loans	1,096,615	1,150,218
Premises and equipment, net	20,251	20,225
Other assets	75,853	75,153
Total assets	1,480,364	1,528,358
Deposits
Noninterest bearing	217,317	226,048
Interest bearing	578,411	714,862
Time	307,618	227,984
Total deposits	1,103,346	1,168,894
Borrowed funds	270,674	259,696
Subordinated notes	16,290	16,273
Accrued interest and other liabilities	18,796	17,015
Total liabilities	1,409,106	1,461,878
Commitments and Contingencies
Stockholders’ Equity
Common stock, $2.00 par value; 7,500,000 shares authorized; 5,024,257 shares issued at June 30, 2025 and 5,012,084 shares issued at December 31, 2024	10,049	10,024
Additional paid-in capital	3,380	3,031
Retained earnings	93,350	91,722
Treasury stock at cost; 472,922 shares at June 30, 2025 and 474,075 shares at December 31, 2024	(4,290)	(4,300)
Accumulated other comprehensive loss	(31,231)	(33,997)
Total stockholders' equity	71,258	66,480
Total liabilities and stockholders' equity	$ 1,480,364	$ 1,528,358