Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands		Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks		$ 18,644	$ 37,280
Interest-bearing due from banks		113,227	48,610
Federal funds sold		5	3,975
Cash and cash equivalents		131,876	89,865
Securities available-for-sale, at fair value		168,547	145,715
Restricted securities, at cost		3,004	2,926
Loans held for sale		12,655	590
Loans, net	[1]	861,970	738,205
Premises and equipment, net		33,990	35,312
Premises and equipment, held for sale		0	907
Bank-owned life insurance		28,177	27,547
Other real estate owned, net		236	0
Goodwill		1,650	1,650
Core deposit intangible, net		330	363
Other assets		13,658	11,408
Total assets		1,256,093	1,054,488
Deposits:
Noninterest-bearing deposits		363,526	262,558
Savings deposits		485,595	399,020
Time deposits		201,942	227,918
Total deposits		1,051,063	889,496
Overnight repurchase agreements		6,281	11,452
Federal Home Loan Bank advances		38,500	37,000
Federal Reserve Bank borrowings		37,340	0
Other borrowings		1,500	1,950
Accrued expenses and other liabilities		4,534	4,834
Total liabilities		1,139,218	944,732
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,222,385 and 5,200,038 shares outstanding (includes 29,576 and 19,933 of nonvested restricted stock, respectively)		25,964	25,901
Additional paid-in capital		21,165	20,959
Retained earnings		65,942	62,975
Accumulated other comprehensive income (loss), net		3,804	(79)
Total stockholders' equity		116,875	109,756
Total liabilities and stockholders' equity		$ 1,256,093	$ 1,054,488

[1] Net deferred loan fees totaled $2.4 million and $557 thousand at September 30, 2020 and December 31, 2019, respectively.