Consolidated Balance Sheets - USD ($) $ in Thousands		Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks		$ 17,793	$ 18,661
Federal funds sold		0	46
Other interest-bearing deposits		10,061	65,013
Cash and cash equivalents		27,854	83,720
Certificates of deposit in other banks		735	2,955
Available-for-sale debt securities, at fair value		233,516	250,747
Other investments		7,005	6,353
Total investment securities		240,521	257,100
Loans held for investment		1,556,969	1,521,252
Allowance for credit losses	[1]	(22,462)	(15,588)
Net loans		1,534,507	1,505,664
Loans held for sale, at lower of cost or fair value		3,006	591
Premises and equipment - net		32,508	32,856
Mortgage servicing rights, at fair value		2,885	2,899
Other real estate owned - net		3,564	8,795
Accrued interest receivable		8,533	7,953
Cash surrender value - life insurance		2,610	2,567
Other assets	[1]	22,282	18,440
Total assets		1,879,005	1,923,540
Deposits
Non-interest bearing demand		425,105	453,443
Savings, interest checking and money market		802,591	923,602
Time deposits $250,000 and over		115,197	94,859
Other time deposits		237,472	160,175
Total deposits		1,580,365	1,632,079
Federal funds purchased and securities sold under agreements to repurchase		6,196	5,187
Federal Home Loan Bank advances and other borrowings		112,000	98,000
Subordinated notes		49,486	49,486
Operating lease liabilities		1,295	1,533
Accrued interest payable		1,851	902
Liability for unfunded commitments	[1]	947	0
Other liabilities		8,461	8,942
Total liabilities		1,760,601	1,796,129
Stockholders’ equity:
Common stock, $1.00 par value, authorized 15,000,000 shares; issued 7,554,893 and 7,284,151 shares, respectively		7,555	7,284
Surplus		76,776	71,042
Retained earnings		85,104	91,789
Accumulated other comprehensive loss, net of tax		(40,041)	(31,714)
Treasury stock; 515,570 shares, at cost, respectively		(10,990)	(10,990)
Total stockholders’ equity		118,404	127,411
Total liabilities and stockholders’ equity		$ 1,879,005	$ 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)