Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 16,754	$ 15,675
Other interest-bearing deposits	59,088	77,775
Cash and cash equivalents	75,842	93,450
Certificates of deposit in other banks	1,000	0
Available-for-sale debt securities, at fair value	185,325	188,742
Other investments	5,834	6,300
Loans held for investment	1,498,504	1,539,147
Allowance for credit losses	(21,980)	(23,744)
Net loans	1,476,524	1,515,403
Loans held for sale, at lower of cost or fair value	1,368	3,884
Premises and equipment - net	31,922	32,047
Other real estate owned - net	3,625	1,744
Accrued interest receivable	7,981	8,661
Cash surrender value of bank-owned life insurance	38,109	2,624
Other assets	20,280	22,495
Total assets	1,847,810	1,875,350
Deposits
Non-interest bearing demand	401,618	402,241
Savings, interest checking and money market	804,183	846,452
Time deposits $250,000 and over	101,025	108,147
Other time deposits	243,424	214,004
Total deposits	1,550,250	1,570,844
Federal Home Loan Bank advances and other borrowings	99,100	107,000
Subordinated notes	49,486	49,486
Operating lease liabilities	1,110	1,213
Accrued interest payable	2,113	1,772
Other liabilities	7,510	8,950
Total liabilities	1,709,569	1,739,265
Stockholders’ equity:
Common stock, $1.00 par value, authorized 15,000,000 shares; issued 7,554,893 shares	7,555	7,555
Surplus	76,808	76,818
Retained earnings	83,026	76,464
Accumulated other comprehensive loss, net of tax	(17,233)	(13,762)
Treasury stock; 563,170 and 515,570 shares, at cost, respectively	(11,915)	(10,990)
Total stockholders’ equity	138,241	136,085
Total liabilities and stockholders’ equity	$ 1,847,810	$ 1,875,350