Consolidated Balance Sheets - USD ($) $ in Thousands		Jun. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks		$ 15,517	$ 16,778
Interest-bearing due from banks		76,635	63,539
Federal funds sold		593	489
Cash and cash equivalents		92,745	80,806
Securities available-for-sale, at fair value		192,127	202,231
Restricted securities, at cost		3,825	5,176
Loans held for sale		0	470
Loans, net	[1]	1,042,774	1,068,046
Premises and equipment, net		30,783	29,913
Premises and equipment, held for sale		344	344
Bank-owned life insurance		35,623	35,088
Goodwill		1,650	1,650
Core deposit intangible, net		165	187
Other assets		23,318	22,471
Total assets		1,423,354	1,446,382
Deposits:
Noninterest-bearing deposits		360,296	331,992
Savings deposits		624,777	655,694
Time deposits		251,502	242,711
Total deposits		1,236,575	1,230,397
Overnight repurchase agreements		1,381	2,383
Federal Home Loan Bank advances		39,586	69,450
Subordinated notes		29,733	29,668
Accrued expenses and other liabilities		6,083	7,706
Total liabilities		1,313,358	1,339,604
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,077,525 and 5,040,095 shares outstanding (includes 68,113 and 53,660 of nonvested restricted stock, respectively)		25,047	24,932
Additional paid-in capital		17,248	17,099
Retained earnings		84,999	82,277
Accumulated other comprehensive loss, net		(17,298)	(17,530)
Total stockholders' equity		109,996	106,778
Total liabilities and stockholders' equity		$ 1,423,354	$ 1,446,382

[1] Net deferred loan fees totaled $1.1 million on June 30, 2024 and $1.2 million on December 31, 2023.