CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Assets
Cash and due from banks	$ 4,923	$ 5,168
Federal funds sold and overnight deposits	30,550	10,670
Cash and cash equivalents	35,473	15,838
Interest bearing deposits in banks	8,457	9,462
Investment securities available-for-sale	260,404	250,504
Other investments	1,967	1,754
Total investments	262,371	252,258
Loans held for sale	4,529	5,204
Loans	1,174,273	1,155,736
Allowance for credit losses on loans	(8,397)	(7,680)
Net deferred loan costs	2,107	2,162
Net loans	1,167,983	1,150,218
Premises and equipment, net	19,980	20,225
Other assets	75,124	75,153
Total assets	1,573,917	1,528,358
Deposits
Noninterest bearing	227,202	226,048
Interest bearing	651,261	714,862
Time	311,123	227,984
Total deposits	1,189,586	1,168,894
Borrowed funds	270,841	259,696
Subordinated notes	16,299	16,273
Accrued interest and other liabilities	19,512	17,015
Total liabilities	1,496,238	1,461,878
Commitments and Contingencies
Stockholders’ Equity
Common stock, $2.00 par value; 7,500,000 shares authorized; 5,054,654 shares issued at September 30, 2025 and 5,012,084 shares issued at December 31, 2024	10,110	10,024
Additional paid-in capital	4,234	3,031
Retained earnings	95,148	91,722
Treasury stock at cost; 472,233 shares at September 30, 2025 and 474,075 shares at December 31, 2024	(4,283)	(4,300)
Accumulated other comprehensive loss	(27,530)	(33,997)
Total stockholders' equity	77,679	66,480
Total liabilities and stockholders' equity	$ 1,573,917	$ 1,528,358