CONSOLIDATED BALANCE SHEETS - USD ($)	Mar. 31, 2026	Dec. 31, 2025
ASSETS
Cash and due from banks	$ 9,007,000	$ 8,755,000
Interest-bearing deposits in other banks	127,832,000	112,494,000
Total cash and cash equivalents	136,839,000	121,249,000
Debt securities available-for-sale, at fair value	386,864,000	394,226,000
Marketable equity securities, at fair value	1,984,000	1,810,000
Restricted investment in bank stocks, at cost	8,944,000	8,944,000
Loans held for investment	932,163,000	947,285,000
Loans held for sale	452,000	1,140,000
Allowance for credit losses	(9,038,000)	(9,412,000)
Net loans	923,577,000	939,013,000
Premises and equipment, net	19,169,000	19,377,000
Operating lease right-of-use assets	1,332,000	1,326,000
Accrued interest receivable	4,844,000	4,997,000
Cash surrender value of bank owned life insurance	26,532,000	26,362,000
Investments in low-income housing partnerships	4,129,000	4,333,000
Deferred income taxes	6,307,000	6,463,000
Other assets	4,398,000	2,877,000
TOTAL ASSETS	1,524,919,000	1,530,977,000
LIABILITIES
Non-interest bearing	217,354,000	206,823,000
Interest bearing	913,935,000	930,614,000
Total deposits	1,131,289,000	1,137,437,000
Short-term borrowings	136,084,000	136,845,000
Long-term borrowings	106,000,000	106,000,000
Subordinated debentures	25,000,000	25,000,000
Operating lease liabilities	1,871,000	1,862,000
Accrued interest payable	2,680,000	2,735,000
Other liabilities	7,820,000	8,038,000
TOTAL LIABILITIES	1,410,744,000	1,417,917,000
STOCKHOLDERS' EQUITY
Preferred stock, par value $2.00 per share; authorized 1,000,000 shares as of March 31, 2026 and December 31, 2025; issued 0 as of March 31, 2026 and December 31, 2025	0	0
Common stock, par value $2.00 per share; authorized 20,000,000 shares as of March 31, 2026 and December 31, 2025; issued 6,527,849 as of March 31, 2026 and 6,503,746 as of December 31, 2025; outstanding 6,296,238 as of March 31, 2026 and 6,272,135 as of December 31, 2025	13,055,000	13,007,000
Surplus	46,302,000	45,888,000
Retained earnings	79,530,000	79,327,000
Accumulated other comprehensive loss	(19,003,000)	(19,453,000)
Treasury stock, at cost, 231,611 shares as of March 31, 2026 and December 31, 2025	(5,709,000)	(5,709,000)
TOTAL STOCKHOLDERS' EQUITY	114,175,000	113,060,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,524,919,000	$ 1,530,977,000