Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
INTEREST INCOME
Interest and fees on loans		$ 22,134	$ 16,328	$ 61,105	$ 44,831
Interest and fees on loans held for sale		59	23	119	69
Interest on investment securities:
Taxable		871	781	2,601	2,361
Nontaxable		618	621	1,876	1,822
Federal funds sold		0	0	2	5
Other interest-bearing deposits and certificates of deposit in other banks		85	76	724	179
Dividends on other investments		121	64	321	204
Total interest income		23,888	17,893	66,748	49,471
Interest on deposits:
Savings, interest checking and money market		4,466	1,382	11,961	2,275
Time deposit accounts $250,000 and over		816	345	3,493	588
Time deposits		1,357	239	2,715	709
Total interest expense on deposits		6,639	1,966	18,169	3,572
Interest on federal funds purchased and securities sold under agreements to repurchase		38	13	83	32
Interest on Federal Home Loan Bank advances		1,075	277	2,430	778
Interest on subordinated notes		989	570	2,769	1,316
Total interest expense on borrowings		2,102	860	5,282	2,126
Total interest expense		8,741	2,826	23,451	5,698
Net interest income		15,147	15,067	43,297	43,773
Provision for (release of) credit losses on loans and unfunded commitments	[1]	110	300	790	(1,000)
Net interest income after provision for (release of) credit losses on loans and unfunded commitments		15,037	14,767	42,507	44,773
NON-INTEREST INCOME
Gain on sale of mortgage loans, net		851	628	2,014	2,322
Losses (gains) on other real estate owned, net		(2,809)	0	(4,592)	30
Other		367	464	1,501	1,346
Total non-interest income		606	3,485	5,384	10,859
Investment securities gains (losses), net		3	1	18	(12)
NON-INTEREST EXPENSE
Salaries and employee benefits		7,124	6,750	20,978	20,251
Occupancy expense, net		842	789	2,437	2,339
Furniture and equipment expense		768	774	2,236	2,301
Processing, network, and bank card expense		1,320	1,261	3,797	3,545
Legal, examination, and professional fees		499	395	1,447	1,210
Advertising and promotion		375	430	1,084	1,027
Postage, printing, and supplies		248	237	621	653
Loan expense		147	123	771	426
Other		1,246	1,436	4,401	4,210
Total non-interest expense		12,569	12,195	37,772	35,962
Income before income taxes		3,077	6,058	10,137	19,658
Income tax expense		498	1,131	1,738	3,633
Net income		$ 2,579	$ 4,927	$ 8,399	$ 16,025
Basic earnings per share (in dollars per share)		$ 0.36	$ 0.70	$ 1.19	$ 2.27
Diluted earnings per share (in dollars per share)		$ 0.36	$ 0.70	$ 1.19	$ 2.27
Service charges and other fees
NON-INTEREST INCOME
Income from fees		$ 760	$ 693	$ 2,180	$ 2,322
Bank card income and fees
NON-INTEREST INCOME
Income from fees		1,029	1,030	3,044	3,054
Trust department income
NON-INTEREST INCOME
Income from fees		283	287	820	924
Real estate servicing fees, net
NON-INTEREST INCOME
Income from fees		$ 125	$ 383	$ 417	$ 861

[1] Prior to adoption of ASU No 2016-13 on January 1, 2023, credit losses were estimated using the incurred loss approach. See accompanying notes to the consolidated financial statements (unaudited).