Consolidated Balance Sheets - USD ($) $ in Thousands		Jun. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks		$ 23,167	$ 18,661
Federal funds sold		115	46
Other interest-bearing deposits		1,367	65,013
Cash and cash equivalents		24,649	83,720
Certificates of deposit in other banks		980	2,955
Available-for-sale debt securities, at fair value		251,616	250,747
Other investments		9,098	6,353
Total investment securities		260,714	257,100
Loans held for investment		1,563,206	1,521,252
Allowance for credit losses	[1]	(22,236)	(15,588)
Net loans		1,540,970	1,505,664
Loans held for sale, at lower of cost or fair value		2,130	591
Premises and equipment - net		32,575	32,856
Mortgage servicing rights, at fair value		2,902	2,899
Other real estate owned - net		6,429	8,795
Accrued interest receivable		7,670	7,953
Cash surrender value - life insurance		2,596	2,567
Other assets	[1]	19,094	18,440
Total assets		1,900,709	1,923,540
Deposits
Non-interest bearing demand		437,770	453,443
Savings, interest checking and money market		812,264	923,602
Time deposits $250,000 and over		112,915	94,859
Other time deposits		180,321	160,175
Total deposits		1,543,270	1,632,079
Federal funds purchased and securities sold under agreements to repurchase		5,503	5,187
Federal Home Loan Bank advances and other borrowings		164,275	98,000
Subordinated notes		49,486	49,486
Operating lease liabilities		1,374	1,533
Accrued interest payable		1,479	902
Liability for unfunded commitments	[1]	1,137	0
Other liabilities		7,712	8,942
Total liabilities		1,774,236	1,796,129
Stockholders’ equity:
Common stock, $1.00 par value, authorized 15,000,000 shares; issued 7,284,151 shares, respectively		7,284	7,284
Surplus		77,047	71,042
Retained earnings		83,722	91,789
Accumulated other comprehensive loss, net of tax		(30,590)	(31,714)
Treasury stock; 515,570 shares, at cost, respectively		(10,990)	(10,990)
Total stockholders’ equity		126,473	127,411
Total liabilities and stockholders’ equity		$ 1,900,709	$ 1,923,540

[1] amounts include the impacts of the January 1, 2023 adoption of ASU 2016-13. See Note 2 for details.See accompanying notes to the consolidated financial statements (unaudited)