Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Assets
Cash and due from banks	$ 13,942	$ 13,129
Interest-bearing deposits with other institutions	103,984	162,595
Federal funds sold	99,268	17,435
Total cash and cash equivalents	217,194	193,159
Securities available for sale, at fair value	119,543	121,330
Restricted investments	3,786	7,557
Loans held for sale	4,786	2,660
Loans	1,473,077	1,467,049
Allowance for credit losses	(15,320)	(15,027)
Net Loans	1,457,757	1,452,022
Bank premises and equipment, net	14,906	14,339
Bank owned life insurance	31,720	30,621
Other assets	38,934	44,527
Total assets	1,888,626	1,866,215
Deposits:
Noninterest bearing demand deposits	432,171	406,180
Savings and interest bearing demand deposits	728,545	679,330
Time deposits	446,644	489,646
Total deposits	1,607,360	1,575,156
Federal Home Loan Bank advances, short-term	0	25,000
Federal Home Loan Bank advances, long-term	40,000	95,000
Subordinated debt, net of unamortized issuance costs	29,579	29,512
Other Liabilities	22,848	22,560
Total liabilities	1,699,787	1,747,228
Commitments and Contingencies
Shareholders’ Equity
Preferred stock, $10 par value; 500,000 shares authorized and unissued	0	0
Common stock, $2.50 par value; authorized 10,000,000 shares; issued and outstanding 2025, 5,374,205 including 68,476 shares of unvested restricted stock; issued and outstanding 2024, 3,549,581 including 64,043 shares of unvested	13,264	8,714
Surplus	64,720	14,901
Retained earnings	116,115	114,012
Accumulated other comprehensive (loss)	(5,260)	(18,640)
Total shareholders’ equity	188,839	118,987
Total liabilities and shareholders’ equity	$ 1,888,626	$ 1,866,215