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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Assets    
Cash and due from banks $ 19,848 $ 19,505
Short-term interest-earning deposits in other banks 183,765 3,635
Total cash and cash equivalents 203,613 23,140
Long-term interest-earning deposits in other banks 1,499 6,229
Debt securities available for sale, at fair value 508,604 472,503
Equity securities 166 427
Restricted stock 8,775 2,375
Loans held for sale 2,470 213
Loans 1,398,077 1,256,985
Allowance for credit losses (17,653) (16,052)
Net Loans 1,380,424 1,240,933
Premises and equipment, net 29,039 28,543
Right of use asset 4,106 4,680
Bank owned life insurance 22,735 22,758
Goodwill 9,016 9,016
Deferred tax asset, net 10,831 11,801
Other assets 16,563 13,421
Total assets 2,197,841 1,836,039
Deposits    
Noninterest-bearing checking 290,346 273,050
Money management, savings and interest checking 1,209,396 1,132,482
Time 315,905 132,446
Total deposits 1,815,647 1,537,978
Lease liability 4,263 4,816
Other liabilities 13,516 11,448
Total liabilities 2,053,125 1,703,903
Commitments and contingent liabilities
Shareholders' equity    
Common stock, $1 par value per share,15,000,000 shares authorized with 4,710,972 shares issued and 4,427,362 shares outstanding at December 31, 2024 and 4,710,972 shares issued and 4,371,231 shares outstanding at December 31, 2023 4,711 4,711
Capital stock without par value, 5,000,000 shares authorized with no shares issued and outstanding
Additional paid-in capital 43,791 43,646
Retained earnings 139,463 133,993
Accumulated other comprehensive (loss) income (35,508) (40,940)
Treasury stock, 283,610 shares at December 31, 2024 and 339,741 shares at December 31, 2023, at cost (7,741) (9,274)
Total shareholders' equity 144,716 132,136
Total liabilities and shareholders' equity 2,197,841 1,836,039
Federal Reserve Bank Borrowings [Member]    
Deposits    
Debt   90,000
Federal Home Loan Bank (FHLB) Advances [Member]    
Deposits    
Debt 200,000 40,000
Subordinated Notes [Member]    
Deposits    
Debt $ 19,699 $ 19,661