Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks		$ 14,731	$ 15,670
Interest-bearing due from banks		63,539	3,580
Federal funds sold		489	0
Cash and cash equivalents		78,759	19,250
Securities available-for-sale, at fair value		204,278	225,518
Restricted securities, at cost		5,176	3,434
Loans held for sale		470	421
Loans, net	[1]	1,068,046	1,016,559
Premises and equipment, net		29,913	31,008
Premises and equipment, held for sale		344	987
Bank-owned life insurance		35,088	34,049
Goodwill		1,650	1,650
Core deposit intangible, net		187	231
Other assets		22,471	22,228
Total assets		1,446,382	1,355,335
Deposits:
Noninterest-bearing deposits		331,992	418,582
Savings deposits		655,694	584,527
Time deposits		242,711	152,910
Total deposits		1,230,397	1,156,019
Overnight repurchase agreements		2,383	4,987
Federal funds purchased and other short-term borrowings		0	11,378
Federal Home Loan Bank advances		69,450	46,100
Long-term borrowings		29,668	29,538
Accrued expenses and other liabilities		7,706	8,579
Total liabilities		1,339,604	1,256,601
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,040,095 and 4,999,083 shares outstanding (includes 53,660 and 46,989 of nonvested restricted stock, respectively)		24,932	24,761
Additional paid-in capital		17,099	16,593
Retained earnings		82,277	78,147
Accumulated other comprehensive loss, net		(17,530)	(20,767)
Total stockholders' equity		106,778	98,734
Total liabilities and stockholders' equity		$ 1,446,382	$ 1,355,335

[1] Net deferred loan costs totaled $1.2 million and $1.0 million at December 31, 2023 and 2022, respectively.