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Consolidated Balance Sheet (Unaudited) - USD ($)
Sep. 30, 2024
Dec. 31, 2023
ASSETS    
Cash and due from banks $ 61,851,000 $ 56,397,000
Federal funds sold 12,022,000 4,439,000
Cash and cash equivalents 73,873,000 60,836,000
Investment securities available for sale, at fair value 169,895,000 170,779,000
Other investments 895,000 955,000
Loans held for sale 249,000 0
Loans:    
Loans 1,504,531,000 1,478,130,000
Less: allowance for credit losses 22,526,000 21,693,000
Net loans 1,482,005,000 1,456,437,000
Premises and equipment, net 20,528,000 21,339,000
Goodwill 36,356,000 36,356,000
Core deposit intangibles 5,869,000 6,642,000
Bank-owned life insurance 35,049,000 34,349,000
Accrued interest receivable and other assets 32,916,000 35,190,000
TOTAL ASSETS 1,857,635,000 1,822,883,000
LIABILITIES    
Noninterest-bearing demand 390,933,000 401,384,000
Interest-bearing demand 218,002,000 205,582,000
Money market 376,619,000 274,682,000
Savings 199,984,000 210,639,000
Time 327,231,000 334,315,000
Total deposits 1,512,769,000 1,426,602,000
Federal Home Loan Bank advances 106,000,000 163,000,000
Other borrowings 11,711,000 11,862,000
Accrued interest payable and other liabilities 16,450,000 15,738,000
TOTAL LIABILITIES 1,646,930,000 1,617,202,000
STOCKHOLDERS' EQUITY    
Common stock, no par value; 25,000,000 shares authorized, 9,950,342 and 9,930,704 shares issued; 8,071,032 and 8,095,252 shares outstanding 161,916,000 161,388,000
Additional paid-in capital 108,000 0
Retained earnings 106,067,000 100,237,000
Accumulated other comprehensive loss (16,477,000) (16,090,000)
Treasury stock, at cost; 1,879,310 and 1,835,452 shares (40,909,000) (39,854,000)
TOTAL STOCKHOLDERS' EQUITY 210,705,000 205,681,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,857,635,000 1,822,883,000
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Loan [Member]    
Loans:    
Loans 187,313,000 183,545,000
Less: allowance for credit losses 2,190,000 2,668,000
Commercial Real Estate Portfolio Segment [Member] | Non-owner occupied Loan [Member]    
Loans:    
Loans 407,159,000 401,580,000
Less: allowance for credit losses 8,356,000 4,480,000
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member]    
Loans:    
Loans 94,798,000 82,506,000
Less: allowance for credit losses 1,393,000 1,796,000
Residential Portfolio Segment [Member]    
Loans:    
Loans 345,748,000 328,854,000
Less: allowance for credit losses 5,110,000 5,450,000
Commercial And Industrial [Member]    
Loans:    
Loans 213,172,000 221,508,000
Less: allowance for credit losses 2,412,000 4,377,000
Home Equity Lines of Credit [Member]    
Loans:    
Loans 137,761,000 127,818,000
Less: allowance for credit losses 869,000 750,000
Construction and Other [Member]    
Loans:    
Loans 111,550,000 125,105,000
Less: allowance for credit losses 2,131,000 1,990,000
Consumer Portfolio Segment [Member]    
Loans:    
Loans 7,030,000 7,214,000
Less: allowance for credit losses $ 65,000 $ 182,000