(dollars in thousands)

June 30, 2025

December 31, 2024

Overnight repurchase agreements

$

1,316

$

1,962

Federal Home Loan Bank advances

50

-

Other short-term borrowings

2,005

Total short-term borrowings

$

3,371

$

3,967

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

$

43,469

$

81,413

Average outstanding balance during the period

$

41,810

$

33,766

Average interest rate (year-to-date)

3.89

%

4.43

%

Average interest rate at end of period

0.09

%

0.03

%