CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 25,065	$ 24,064
Federal funds sold	0	5,700
Interest-bearing deposits with banks	7,404	3,272
Securities available for sale (AFS), at fair value	208,187	119,976
Securities held to maturity (HTM), at amortized cost	0	96,271
CRA investment fund	4,669	4,428
Other equity securities	209	209
Federal Home Loan Bank (FHLB) stock - at cost	3,447	3,821
Total loans, net of deferred costs	1,456,051	1,348,105
Less: allowance for loan losses	(10,942)	(10,976)
Net loans	1,445,109	1,337,129
Goodwill	10,835	10,835
Premises and equipment, net	21,662	22,922
Premises and equipment held for sale	430	0
Other real estate owned (OREO)	7,773	8,111
Accrued interest receivable	5,019	4,957
Investment in bank owned life insurance	37,180	36,295
Core deposit intangible	2,118	2,806
Net deferred tax assets	6,168	6,693
Right of use assets - operating leases	8,382
Other assets	3,879	1,738
Total Assets	1,797,536	1,689,227
Liabilities and Stockholders' Equity
Non-interest-bearing deposits	241,174	209,378
Interest-bearing deposits	1,270,663	1,220,251
Total Deposits	1,511,837	1,429,629
Short-term borrowings	5,000	35,000
Long-term debt	40,370	20,436
Guaranteed preferred beneficial interest in junior subordinated debentures	12,000	12,000
Subordinated notes - 6.25%	23,000	23,000
Lease liabilities - operating leases	8,495
Accrued expenses and other liabilities	15,340	14,680
Total Liabilities	1,616,042	1,534,745
Stockholders' Equity
Common stock - par value $.01; authorized - 15,000,000 shares; issued 5,900,249 and 5,577,559 shares, respectively	59	56
Additional paid in capital	95,474	84,397
Retained earnings	85,059	72,594
Accumulated other comprehensive income (loss)	1,504	(1,847)
Unearned ESOP shares	(602)	(718)
Total Stockholders’ Equity	181,494	154,482
Total Liabilities and Stockholders’ Equity	$ 1,797,536	$ 1,689,227