CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
ASSETS
Cash and noninterest-bearing deposits with banks	$ 16,805	$ 15,704
Interest-bearing deposits with banks	37,822	67,403
Total cash and cash equivalents	54,627	83,107
Securities available for sale	265,342	268,120
Securities held to maturity, net of allowance for credit losses of $1 in 2025 and 2024	6,493	7,049
Restricted investments in bank stocks	5,007	5,007
Total loans	1,101,267	1,061,825
Less: Allowance for credit losses	(10,856)	(10,088)
Net loans	1,090,411	1,051,737
Premises and equipment, net	20,842	21,229
Premises and equipment held for sale, net	497	507
Accrued interest receivable	4,941	4,805
Goodwill	7,319	7,319
Bank owned life insurance and annuity assets	42,416	42,048
Operating lease right-of-use asset, net	935	1,024
Deferred tax assets	6,065	7,218
Other assets	5,463	4,242
Total assets	1,510,358	1,503,412
LIABILITIES
Noninterest-bearing deposits	331,373	322,383
Interest-bearing deposits	945,389	952,795
Total deposits	1,276,762	1,275,178
Other borrowed funds	37,177	39,740
Subordinated debentures	8,500	8,500
Operating lease liability	935	1,024
Allowance for credit losses on off-balance sheet commitments	637	582
Other liabilities	25,587	28,060
Total liabilities	1,349,598	1,353,084
CONTINGENT LIABILITIES
SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 5,490,995 shares issued)	5,491	5,491
Additional paid-in capital	52,321	52,321
Retained earnings	128,188	121,693
Accumulated other comprehensive income (loss)	(6,547)	(10,484)
Treasury stock, at cost (779,994 shares)	(18,693)	(18,693)
Total shareholders' equity	160,760	150,328
Total liabilities and shareholders' equity	$ 1,510,358	$ 1,503,412