CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 15,498	$ 25,065
Interest-bearing deposits with banks	10,344	7,404
Equity securities carried at fair value through income	4,768	4,669
Non-marketable equity securities held in other financial institutions	209	209
Federal Home Loan Bank (FHLB) stock - at cost	5,627	3,447
Loans receivable	1,492,148	1,456,051
Less: allowance for loan losses	(15,061)	(10,942)
Net loans	1,477,087	1,445,109
Goodwill	10,835	10,835
Premises and equipment, net	21,305	21,662
Premises and equipment held for sale	430	430
Other real estate owned (OREO)	6,338	7,773
Accrued interest receivable	5,077	5,019
Investment in bank owned life insurance	37,399	37,180
Core deposit intangible	1,961	2,118
Net deferred tax assets	6,421	6,168
Right of use assets - operating leases	8,257	8,382
Other assets	902	3,879
Total Assets	1,826,621	1,797,536
Liabilities and Stockholders’ Equity
Non-interest-bearing deposits	254,114	241,174
Interest-bearing deposits	1,258,475	1,270,663
Total deposits	1,512,589	1,511,837
Short-term borrowings	27,000	5,000
Long-term debt	67,353	40,370
Guaranteed preferred beneficial interest in junior subordinated debentures (TRUPs)	12,000	12,000
Subordinated notes - 6.25%	0	23,000
Lease liabilities - operating leases	8,397	8,495
Accrued expenses and other liabilities	14,015	15,340
Total Liabilities	1,641,354	1,616,042
Stockholders’ Equity
Common stock - par value $0.01; authorized - 15,000,000 shares; issued 5,910,064 and 5,900,249 shares, respectively	59	59
Additional paid in capital	95,581	95,474
Retained earnings	87,070	85,059
Accumulated other comprehensive income	3,159	1,504
Unearned ESOP shares	(602)	(602)
Total Stockholders’ Equity	185,267	181,494
Total Liabilities and Stockholders’ Equity	1,826,621	1,797,536
Available-for-sale	$ 214,163	$ 208,187