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CONSOLIDATED BALANCE SHEET - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Cash and due from banks:    
Noninterest-bearing $ 24,529 $ 30,284
Interest-bearing 6,546 11,918
Total cash and cash equivalents 31,075 42,202
Interest bearing time deposits with other banks 3,820 3,820
Equity securities 1,803 1,747
Available-for-sale securities 451,357 425,912
Loans held for sale 13,508 9,607
Loans (net of allowance for credit losses: 2025, $22,454 and 2024, $21,699) 2,312,934 2,291,543
Premises and equipment 21,508 21,395
Accrued interest receivable 11,412 10,307
Goodwill 85,758 85,758
Bank owned life insurance 51,132 50,341
Other intangibles 2,374 2,892
Fair value of derivative instruments 7,487 10,370
Deferred tax asset 12,294 15,199
Other assets 49,959 54,631
TOTAL ASSETS 3,056,421 3,025,724
Deposits:    
Noninterest-bearing 522,168 532,776
Interest-bearing 1,889,035 1,849,252
Total deposits 2,411,203 2,382,028
Borrowed funds 279,589 297,721
Accrued interest payable 3,754 4,693
Fair value of derivative instruments - liability 4,332 5,817
Other liabilities 29,861 35,731
TOTAL LIABILITIES 2,728,739 2,725,990
STOCKHOLDERS' EQUITY:    
Preferred Stock $1.00 par value; authorized 3,000,000 shares at September 30, 2025 and December 31, 2024; none issued in 2025 or 2024 0 0
Common stock $1.00 par value; authorized 25,000,000 shares at September 30, 2025 and December 31, 2024, issued 5,255,464 at September 30, 2025 and 5,207,577 at December 31, 2024 5,255 5,208
Additional paid-in capital 147,971 144,984
Retained earnings 205,542 189,443
Accumulated other comprehensive loss (14,650) (23,521)
Treasury stock, at cost: 449,087 shares at September 30, 2025 and 447,965 shares at December 31, 2024 (16,436) (16,380)
TOTAL STOCKHOLDERS' EQUITY 327,682 299,734
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 3,056,421 $ 3,025,724