Consolidated Balance Sheets - USD ($) $ in Thousands		Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks		$ 16,427	$ 14,731
Interest-bearing due from banks		75,584	63,539
Federal funds sold		1,300	489
Cash and cash equivalents		93,311	78,759
Securities available-for-sale, at fair value		199,798	204,278
Restricted securities, at cost		5,239	5,176
Loans held for sale		0	470
Loans, net	[1]	1,055,955	1,068,046
Premises and equipment, net		30,178	29,913
Premises and equipment, held for sale		344	344
Bank-owned life insurance		35,353	35,088
Goodwill		1,650	1,650
Core deposit intangible, net		176	187
Other assets		23,485	22,471
Total assets		1,445,489	1,446,382
Deposits:
Noninterest-bearing deposits		355,140	331,992
Savings deposits		632,696	655,694
Time deposits		240,433	242,711
Total deposits		1,228,269	1,230,397
Overnight repurchase agreements		1,684	2,383
Federal Home Loan Bank advances		69,450	69,450
Subordinated notes		29,701	29,668
Accrued expenses and other liabilities		8,755	7,706
Total liabilities		1,337,859	1,339,604
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,040,391 and 5,040,095 shares outstanding (includes 51,169 and 53,660 of nonvested restricted stock, respectively)		24,946	24,932
Additional paid-in capital		17,193	17,099
Retained earnings		83,289	82,277
Accumulated other comprehensive loss, net		(17,798)	(17,530)
Total stockholders' equity		107,630	106,778
Total liabilities and stockholders' equity		$ 1,445,489	$ 1,446,382

[1] Net deferred loan costs totaled $1.3 million on March 31, 2024 and $1.2 million on December 31, 2023.