Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks		$ 21,799	$ 37,280
Interest-bearing due from banks		98,633	48,610
Federal funds sold		5	3,975
Cash and cash equivalents		120,437	89,865
Securities available-for-sale, at fair value		186,409	145,715
Restricted securities, at cost		1,367	2,926
Loans held for sale		14,413	590
Loans, net	[1]	826,759	738,205
Premises and equipment, net		33,613	35,312
Premises and equipment, held for sale		0	907
Bank-owned life insurance		28,386	27,547
Goodwill		1,650	1,650
Core deposit intangible, net		319	363
Other assets		12,838	11,408
Total assets		1,226,191	1,054,488
Deposits:
Noninterest-bearing deposits		360,602	262,558
Savings deposits		512,936	399,020
Time deposits		193,698	227,918
Total deposits		1,067,236	889,496
Overnight repurchase agreements		6,619	11,452
Federal Home Loan Bank advances		0	37,000
Federal Reserve Bank borrowings		28,550	0
Other borrowings		1,350	1,950
Accrued expenses and other liabilities		5,291	4,834
Total liabilities		1,109,046	944,732
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,224,019 and 5,200,038 shares outstanding (includes 29,576 and 19,933 of nonvested restricted stock, respectively)		25,972	25,901
Additional paid-in capital		21,245	20,959
Retained earnings		65,859	62,975
Accumulated other comprehensive income (loss), net		4,069	(79)
Total stockholders' equity		117,145	109,756
Total liabilities and stockholders' equity		$ 1,226,191	$ 1,054,488

[1] Net deferred loan costs totaled $2.1 million and $557 thousand at December 31, 2020 and 2019, respectively.