CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Cash and due from banks
Cash and due from banks	$ 37,923	$ 24,064
Federal funds sold	42,205	5,700
Interest-bearing deposits with banks	36,563	3,272
Securities available for sale (AFS), at fair value	131,288	119,976
Securities held to maturity (HTM), at amortized cost	88,654	96,271
Equity securities carried at fair value through income	4,665	4,428
Non-marketable equity securities held in other financial institutions	209	209
Federal Home Loan Bank (FHLB) stock - at cost	4,510	3,821
Loans receivable	1,417,108	1,348,105
Less: allowance for loan losses	(11,252)	(10,976)
Net loans	1,405,856	1,337,129
Goodwill	10,835	10,835
Premises and equipment, net	22,320	22,922
Other real estate owned (OREO)	10,195	8,111
Accrued interest receivable	5,213	4,957
Investment in bank owned life insurance	36,958	36,295
Core deposit intangible	2,281	2,806
Net deferred tax assets	5,979	6,693
Right of use assets - operating leases	8,521
Other assets	1,557	1,738
Total Assets	1,855,732	1,689,227
Liabilities and Stockholders’ Equity
Non-interest-bearing deposits	243,425	209,378
Interest-bearing deposits	1,316,535	1,220,251
Total deposits	1,559,960	1,429,629
Short-term borrowings	15,000	35,000
Long-term debt	55,387	20,436
Guaranteed preferred beneficial interest in junior subordinated debentures (TRUPs)	12,000	12,000
Subordinated notes - 6.25%	23,000	23,000
Lease liabilities - operating leases	8,607
Accrued expenses and other liabilities	14,369	14,680
Total Liabilities	1,688,323	1,534,745
Stockholders’ Equity
Common stock - par value $.01; authorized - 15,000,000 shares; issued 5,583,492 and 5,577,559 shares, respectively	56	56
Additional paid in capital	84,713	84,397
Retained earnings	81,682	72,594
Accumulated other comprehensive income (loss)	1,715	(1,847)
Unearned ESOP shares	(757)	(718)
Total Stockholders’ Equity	167,409	154,482
Total Liabilities and Stockholders’ Equity	$ 1,855,732	$ 1,689,227