CONSOLIDATED BALANCE SHEETS - USD ($)	Sep. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 13,016,000	$ 9,933,000
Interest-bearing deposits in other banks	134,239,000	7,321,000
Total cash and cash equivalents	147,255,000	17,254,000
Debt securities available-for-sale, at fair value	407,770,000	390,288,000
Marketable equity securities, at fair value	1,715,000	1,587,000
Restricted investment in bank stocks, at cost	8,944,000	8,984,000
Loans held for investment	957,630,000	947,714,000
Loans held for sale	103,000	737,000
Allowance for credit losses	(8,000,000)	(7,672,000)
Net loans	949,733,000	940,779,000
Premises and equipment, net	19,693,000	20,272,000
Operating lease right-of-use assets	1,353,000	1,400,000
Accrued interest receivable	5,075,000	4,993,000
Cash surrender value of bank owned life insurance	26,189,000	26,679,000
Investments in low-income housing partnerships	4,538,000	5,152,000
Deferred income taxes	6,545,000	7,725,000
Other assets	3,567,000	3,470,000
TOTAL ASSETS	1,582,377,000	1,428,583,000
LIABILITIES
Non-interest bearing	215,166,000	203,583,000
Interest bearing	977,328,000	842,297,000
Total deposits	1,192,494,000	1,045,880,000
Short-term borrowings	132,856,000	134,426,000
Long-term borrowings	106,000,000	106,000,000
Subordinated debentures	25,000,000	25,000,000
Operating lease liabilities	1,885,000	1,920,000
Accrued interest payable	3,175,000	2,152,000
Other liabilities	8,715,000	6,423,000
TOTAL LIABILITIES	1,470,125,000	1,321,801,000
STOCKHOLDERS' EQUITY
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares as of September 30, 2025 and December 31, 2024; issued 0 as of September 30, 2025 and December 31, 2024	0	0
Common stock, par value $2.00 per share; authorized 20,000,000 shares as of September 30, 2025 and December 31, 2024; issued 6,477,768 as of September 30, 2025 and 6,450,392 as of December 31, 2024; outstanding 6,246,157 as of September 30, 2025 and 6,218,781 as of December 31, 2024	12,955,000	12,901,000
Surplus	45,484,000	45,072,000
Retained earnings	81,700,000	80,148,000
Accumulated other comprehensive loss	(22,178,000)	(25,630,000)
Treasury stock, at cost, 231,611 shares as of September 30, 2025 and December 31, 2024	(5,709,000)	(5,709,000)
TOTAL STOCKHOLDERS' EQUITY	112,252,000	106,782,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,582,377,000	$ 1,428,583,000