CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 29,125	$ 20,908
Short-term investments	201,431	351,560
Cash and cash equivalents	230,556	372,468
Securities available-for-sale, at fair value	550,756	627,117
Loans	1,078,387	1,014,318
Less: Allowance for credit losses	13,447	13,089
Loans, net	1,064,940	1,001,229
Payments in advance of funding	207,202	198,861
Premises and equipment, net	34,295	30,093
Investment in bank-owned life insurance	49,885	49,159
Goodwill	17,309	17,309
Other intangible assets, net	2,789	3,345
Receivables from Customers	30,892	110,651
Other assets	72,136	68,390
Total assets	2,260,760	2,478,622
Deposits:
Noninterest-bearing	392,573	524,359
Interest-bearing	654,750	616,455
Total deposits	1,047,323	1,140,814
Accounts and drafts payable	936,463	1,071,369
Other liabilities	39,327	36,630
Total liabilities	2,023,113	2,248,813
Shareholders’ Equity:
Preferred stock, par value $.50 per share; 2,000,000 shares authorized and no shares issued	0	0
Common Stock, Value, Outstanding	7,753	7,753
Additional paid-in capital	205,026	208,007
Retained earnings	148,092	145,782
Common shares in treasury, at cost (1,923,490 shares at September 30, 2024 and 1,923,397 shares at December 31, 2023)	84,139	84,264
Accumulated other comprehensive loss	(39,085)	(47,469)
Total shareholders’ equity	237,647	229,809
Total liabilities and shareholders’ equity	$ 2,260,760	$ 2,478,622