Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks		$ 17,098	$ 16,778
Interest-bearing due from banks		122,238	63,539
Federal funds sold		708	489
Cash and cash equivalents		140,044	80,806
Securities available-for-sale, at fair value		218,083	202,231
Restricted securities, at cost		3,918	5,176
Loans held for sale		0	470
Loans, net	[1]	998,713	1,068,046
Premises and equipment, net		29,198	29,913
Premises and equipment, held for sale		344	344
Bank-owned life insurance		36,182	35,088
Goodwill		1,650	1,650
Core deposit intangible, net		143	187
Repossessed assets		1,972	215
Other assets		20,323	22,256
Total assets		1,450,570	1,446,382
Deposits:
Noninterest-bearing deposits		355,041	331,992
Savings deposits		659,445	655,694
Time deposits		240,428	242,711
Total deposits		1,254,914	1,230,397
Federal funds purchased, overnight repurchase agreements and other short-term borrowings		3,967	2,383
Federal Home Loan Bank advances		40,000	69,450
Subordinated notes, net		29,799	29,668
Accrued expenses and other liabilities		7,920	7,706
Total liabilities		1,336,600	1,339,604
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,078,318 and 5,040,095 shares outstanding (includes 65,920 and 53,660 of nonvested restricted stock, respectively)		25,062	24,932
Additional paid-in capital		17,548	17,099
Retained earnings		88,492	82,277
Accumulated other comprehensive loss, net		(17,132)	(17,530)
Total stockholders' equity		113,970	106,778
Total liabilities and stockholders' equity		$ 1,450,570	$ 1,446,382

[1] Net deferred loan costs totaled $868 thousand and $1.2 million at December 31, 2024 and 2023, respectively.