Consolidated Balance Sheets - USD ($) $ in Thousands		Mar. 31, 2025	Dec. 31, 2024
Assets
Cash and due from banks		$ 15,609	$ 17,098
Interest-bearing due from banks		119,835	122,238
Federal funds sold		451	708
Cash and cash equivalents		135,895	140,044
Securities available-for-sale, at fair value		220,918	218,083
Restricted securities, at cost		3,922	3,918
Loans held for sale		111	0
Loans, net	[1]	1,001,009	998,713
Premises and equipment, net		28,870	29,198
Premises and equipment, held for sale		344	344
Bank-owned life insurance		36,464	36,182
Goodwill		1,650	1,650
Core deposit intangible, net		132	143
Repossessed assets		2,183	1,972
Other assets		19,490	20,323
Total assets		1,450,988	1,450,570
Deposits:
Noninterest-bearing deposits		370,695	355,041
Savings deposits		689,345	659,445
Time deposits		197,438	240,428
Total deposits		1,257,478	1,254,914
Federal funds purchased, overnight repurchase agreements and other short-term borrowings		3,328	3,967
Federal Home Loan Bank advances		40,000	40,000
Subordinated notes, net		26,081	29,799
Accrued expenses and other liabilities		6,884	7,920
Total liabilities		1,333,771	1,336,600
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,105,030 and 5,078,318 shares outstanding (includes 91,616 and 65,920 of nonvested restricted stock, respectively)		25,067	25,062
Additional paid-in capital		17,683	17,548
Retained earnings		89,935	88,492
Accumulated other comprehensive loss, net		(15,468)	(17,132)
Total stockholders' equity		117,217	113,970
Total liabilities and stockholders' equity		$ 1,450,988	$ 1,450,570

[1] Net deferred loan fees totaled $730 thousand and $868 thousand at March 31, 2025 and December 31, 2024, respectively.