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Consolidated Balance Sheets - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
ASSETS    
Cash and due from banks $ 17,613 $ 23,668
Other interest bearing deposits 82,262 27,326
Cash and cash equivalents 99,875 50,994
Certificates of deposit in other banks 1,000 1,000
Available-for-sale debt securities, at fair value 216,705 218,652
Other investments 9,312 5,149
Loans held for investment 1,514,002 1,466,160
Allowance for credit losses (21,904) (22,044)
Net loans 1,492,098 1,444,116
Loans held for sale 1,432 0
Premises and equipment - net 30,031 31,166
Cash surrender value of bank-owned life insurance 40,058 38,912
Accrued interest receivable and other assets 39,169 33,750
Total assets 1,932,105 1,825,185
Deposits    
Non-interest bearing demand 424,437 385,022
Savings, interest checking and money market 788,059 846,339
Time deposits 313,421 301,821
Total deposits 1,525,917 1,533,182
Federal Home Loan Bank advances and other borrowings 177,086 81,525
Subordinated notes 49,486 49,486
Operating lease liabilities 2,787 1,678
Accrued interest payable and other liabilities 11,891 9,767
Total liabilities 1,767,167 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 76,916 76,857
Retained earnings 103,057 89,542
Accumulated other comprehensive loss, net of tax (8,318) (12,443)
Treasury stock; 648,925 and 566,268 shares, at cost, respectively (14,272) (11,964)
Total stockholders’ equity 164,938 149,547
Total liabilities and stockholders’ equity $ 1,932,105 $ 1,825,185