Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 21,558	$ 23,668
Other interest-bearing deposits	80,700	27,326
Cash and cash equivalents	102,258	50,994
Certificates of deposit in other banks	1,000	1,000
Available-for-sale debt securities, at fair value	219,647	218,652
Other investments	6,934	5,149
Loans held for investment	1,470,323	1,466,160
Allowance for credit losses	(21,780)	(22,044)
Net loans	1,448,543	1,444,116
Loans held for sale	224	0
Premises and equipment - net	32,321	31,166
Cash surrender value of bank-owned life insurance	39,298	38,912
Accrued interest receivable and other assets	32,530	33,750
Total assets	1,883,423	1,825,185
Deposits
Non-interest bearing demand	427,107	385,022
Savings, interest checking and money market	818,894	846,339
Time deposits	297,887	301,821
Total deposits	1,543,888	1,533,182
Federal Home Loan Bank advances and other borrowings	124,100	81,525
Subordinated notes	49,486	49,486
Operating lease liabilities	3,028	1,678
Accrued interest payable and other liabilities	9,510	9,767
Total liabilities	1,730,012	1,675,638
Stockholders’ equity:
Common stock, $1.00 par value, authorized 15,000,000 shares; issued 7,554,893 shares	7,555	7,555
Surplus	76,938	76,857
Retained earnings	93,597	89,542
Accumulated other comprehensive loss, net of tax	(12,275)	(12,443)
Treasury stock; 582,124 and 566,268 shares, at cost, respectively	(12,404)	(11,964)
Total stockholders’ equity	153,411	149,547
Total liabilities and stockholders’ equity	$ 1,883,423	$ 1,825,185