Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Mar. 31, 2025	Dec. 31, 2024
ASSETS:
Cash and Cash Equivalents	$ 133,080,000	$ 178,277,000
Certificates of Deposit with Other Banks	1,250,000	1,250,000
Investments:
Available For Sale ("AFS")	540,752,000	525,623,000
Held To Maturity ("HTM") Net of Allowance for Credit Losses of $0 (Fair Value of $130,550 and $130,902 at March 31, 2025 and December 31, 2024, Respectively)	133,817,000	135,200,000
Total Investments	674,569,000	660,823,000
Loans Receivable, Net:
Held For Sale	825,000	599,000
Held For Investment (Net of Allowance for Credit Losses of $14,005 and $13,894 at March 31, 2025 and December 31, 2024, Respectively)	689,111,000	686,550,000
Total Loans Receivable, Net	689,936,000	687,149,000
Accrued Interest Receivable	5,594,000	5,374,000
Operating Lease Right-of-Use ("ROU") Assets	806,000	927,000
Land Held for Sale	702,000	938,000
Premises and Equipment, Net	33,568,000	29,321,000
Federal Home Loan Bank ("FHLB") Stock, at Cost	1,130,000	1,089,000
Bank Owned Life Insurance ("BOLI")	28,837,000	28,660,000
Goodwill	1,200,000	1,200,000
Other Assets	14,789,000	16,765,000
Total Assets	1,585,461,000	1,611,773,000
LIABILITIES:
Deposit Accounts	1,345,548,000	1,324,033,000
Borrowings from Federal Reserve Bank ("FRB")	0	50,000,000
Other Borrowings	24,236,000	27,809,000
Junior Subordinated Debentures	5,155,000	5,155,000
Subordinated Debentures	10,000,000	10,000,000
Operating Lease Liabilities	835,000	959,000
Other Liabilities	11,515,000	11,428,000
Total Liabilities	1,397,289,000	1,429,384,000
SHAREHOLDERS’ EQUITY:
Senior Non-Cumulative Perpetual Preferred Stock, Series ECIP, $1,000 Par Value; 82,949 Shares Authorized, Issued and Outstanding at March 31, 2025 and December 31, 2024	82,949,000	82,949,000
Common Stock, $0.01 Par Value; 5,000,000 Shares Authorized; 3,458,407 Shares Issued and 3,186,903 Shares Outstanding at March 31, 2025 and 3,458,050 Shares Issued and 3,186,571 Shares Outstanding at December 31, 2024, Respectively	35,000	35,000
Additional Paid-In Capital ("APIC")	18,346,000	18,336,000
Treasury Stock, at Cost; 271,504 and 271,479 Shares Outstanding at March 31, 2025 and December 31, 2024, Respectively	(5,965,000)	(5,964,000)
Accumulated Other Comprehensive Loss ("AOCL")	(27,444,000)	(31,105,000)
Retained Earnings	120,251,000	118,138,000
Total Shareholders' Equity	188,172,000	182,389,000
Total Liabilities and Shareholders' Equity	$ 1,585,461,000	$ 1,611,773,000