(dollars in thousands)

December 31, 2024

December 31, 2023

Overnight repurchase agreements

$

1,962

$

2,383

Federal Home Loan Bank advances

-

9,450

Other short-term borrowings

2,005

-

Total short-term borrowings

$

3,967

$

11,833

Maximum month-end outstanding balance (year-to-date)

$

81,413

$

84,360

Average outstanding balance during the period

$

33,766

$

53,466

Average interest rate (year-to-date)

4.43

%

4.90

%

Average interest rate at end of period

0.03

%

5.65

%