CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 220,612	$ 36,295
Interest bearing deposits in other financial institutions	34,334	27,586
Federal funds sold	34,345	31,230
Cash and cash equivalents	289,291	95,111
Securities available for sale, at fair value	128,011	104,321
Loans held for sale, at fair value	7,765	3,555
Loans, less allowance for credit losses of $11,396 at September 30, 2020 and $7,304 at December 31, 2019	1,043,143	986,684
Accrued interest receivable	6,254	3,138
Premises and equipment, less accumulated depreciation	15,667	13,705
Restricted stock	4,421	5,311
Operating lease right-of-use assets	3,958	4,504
Financing lease right-of-use assets	1,858	1,961
Other investments	6,734	4,773
Bank owned life insurance	14,747	7,817
Other real estate owned	2,796	2,417
Core deposit intangible, net	2,833	3,373
Goodwill	9,391	9,391
Other assets	7,088	6,544
Total assets	1,543,957	1,252,605
Deposits:
Non interest bearing demand	393,267	261,631
NOW	111,460	76,947
Savings and money market	296,532	222,975
Time, $100,000 or more	284,589	274,387
Other time	149,078	170,841
Deposits, Total	1,234,926	1,006,781
Accrued interest payable	448	572
Short-term borrowings with the Federal Home Loan Bank	21,200	48,000
Long-term borrowings with the Federal Home Loan Bank	53,136	48,830
Subordinated notes payable, net	24,089	6,435
Other borrowings	65,475	1,249
Operating lease liabilities	4,267	4,797
Financing lease liabilities	2,270	2,355
Other liabilities	2,206	2,709
Total liabilities	1,408,017	1,121,728
COMMITMENTS, CONTINGENCIES & SUBSEQUENT EVENT
STOCKHOLDERS’ EQUITY
Common stock, par value $.01, authorized 40,000,000 shares, issued and outstanding 17,810,213 as of September 30, 2020 and 17,790,181 as of December 31, 2019	178	178
Surplus	87,562	87,437
Retained earnings	45,013	41,785
Noncontrolling interest in consolidated subsidiaries	1,063	738
Accumulated other comprehensive income, net of tax	2,124	739
Total stockholders’ equity	135,940	130,877
Total liabilities and stockholders’ equity	$ 1,543,957	$ 1,252,605