Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 22,911	$ 23,668
Other interest-bearing deposits	77,383	27,326
Cash and cash equivalents	100,294	50,994
Certificates of deposit in other banks	1,000	1,000
Available-for-sale debt securities, at fair value	221,736	218,652
Other investments	7,656	5,149
Loans held for investment	1,462,898	1,466,160
Allowance for credit losses	(21,570)	(22,044)
Net loans	1,441,328	1,444,116
Premises and equipment - net	29,652	31,166
Cash surrender value of bank-owned life insurance	39,677	38,912
Accrued interest receivable and other assets	33,649	33,750
Total assets	1,877,417	1,825,185
Deposits
Non-interest bearing demand	419,914	385,022
Savings, interest checking and money market	788,216	846,339
Time deposits	309,856	301,821
Total deposits	1,517,986	1,533,182
Federal Home Loan Bank advances and other borrowings	140,100	81,525
Subordinated notes	49,486	49,486
Operating lease liabilities	2,891	1,678
Accrued interest payable and other liabilities	10,131	9,767
Total liabilities	1,720,594	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	76,812	76,857
Retained earnings	98,309	89,542
Accumulated other comprehensive loss, net of tax	(11,889)	(12,443)
Treasury stock; 638,236 and 566,268 shares, at cost, respectively	(13,964)	(11,964)
Total stockholders’ equity	156,823	149,547
Total liabilities and stockholders’ equity	$ 1,877,417	$ 1,825,185