Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks		$ 13,424	$ 21,799
Interest-bearing due from banks		164,073	98,633
Federal funds sold		10,425	5
Cash and cash equivalents		187,922	120,437
Securities available-for-sale, at fair value		234,321	186,409
Restricted securities, at cost		1,034	1,367
Loans held for sale		3,287	14,413
Loans, net	[1]	833,661	826,759
Premises and equipment, net		32,134	33,613
Premises and equipment, held for sale		871	0
Bank-owned life insurance		28,168	28,386
Goodwill		1,650	1,650
Core deposit intangible, net		275	319
Other assets		14,832	12,838
Total assets		1,338,155	1,226,191
Deposits:
Noninterest-bearing deposits		421,531	360,602
Savings deposits		586,450	512,936
Time deposits		169,118	193,698
Total deposits		1,177,099	1,067,236
Overnight repurchase agreements		4,536	6,619
Federal Reserve Bank borrowings		480	28,550
Long term borrowings		29,407	1,350
Accrued expenses and other liabilities		5,815	5,291
Total liabilities		1,217,337	1,109,046
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,239,707 and 5,224,019 shares outstanding (includes 38,435 and 29,576 of nonvested restricted stock, respectively)		26,006	25,972
Additional paid-in capital		21,458	21,245
Retained earnings		71,679	65,859
Accumulated other comprehensive income, net		1,675	4,069
Total stockholders' equity		120,818	117,145
Total liabilities and stockholders' equity		$ 1,338,155	$ 1,226,191

[1] Net deferred loan costs totaled $1.3 million and $2.1 million at December 31, 2021 and 2020, respectively.