Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 12,235	$ 11,939
Interest-bearing deposits in banks	82,180	45,091
Total cash and cash equivalents	94,415	57,030
Federal funds sold	85	10,080
Investment securities available-for-sale, at fair value	84,993	94,016
Investment securities held-to-maturity, at amortized cost	6,429	14,340
Federal Home Loan Bank stock, at cost	1,135	1,137
Loans, net of allowance for loan and lease losses of $7,470 and $5,762, respectively	638,374	545,243
Premises and equipment, net of accumulated depreciation of $23,774 and $22,570, respectively	28,206	29,216
Cash surrender value of bank-owned life insurance	15,846	15,546
Accrued interest receivable	2,807	2,488
Goodwill and core deposit intangible, net	8,410	8,825
Other real estate owned	949	1,078
Other assets	8,862	9,739
Total assets	890,511	788,738
LIABILITIES AND SHAREHOLDERS’ EQUITY
Non-interest-bearing	151,935	112,729
Interest-bearing	630,277	570,933
Total deposits	782,212	683,662
Accrued interest expense	292	537
Other liabilities	11,312	9,766
Short-term borrowings	10,017	10,025
Total liabilities	803,833	703,990
Shareholders’ equity:
Common stock, par value $0.01 per share, 10,000,000 shares authorized; 7,596,351 and 7,568,053 shares issued, respectively; 6,176,556 and 6,157,692 shares outstanding, respectively	75	75
Additional paid-in capital	13,786	13,814
Accumulated other comprehensive loss, net of tax	(52)	(46)
Retained earnings	94,722	92,755
Less treasury stock: 1,419,795 and 1,410,361 shares at cost, respectively	(21,853)	(21,850)
Total shareholders’ equity	86,678	84,748
Total liabilities and shareholders’ equity	$ 890,511	$ 788,738