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Consolidated Balance Sheets (Current Period Unaudited) - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
ASSETS    
Cash and due from banks $ 22,706 $ 19,525
Interest-bearing deposits in financial institutions and federal funds sold 85,455 81,702
Total cash and cash equivalents 108,161 101,227
Interest-bearing time deposits 5,678 6,166
Securities available-for-sale 650,660 648,513
Federal Home Loan Bank (FHLB) and Federal Reserve Bank (FRB) stock, at cost 2,891 3,883
Loans receivable, net 1,275,794 1,303,917
Loans held for sale 888 342
Bank premises and equipment, net 21,008 21,567
Accrued income receivable 15,001 13,864
Bank-owned life insurance 3,279 3,214
Deferred income taxes, net 8,606 14,056
Intangible assets, net 861 1,092
Goodwill 12,424 12,424
Other assets 2,748 2,915
Total assets 2,107,999 2,133,180
LIABILITIES    
Noninterest-bearing checking 310,155 358,386
Interest-bearing checking 658,686 619,951
Savings and money market 526,935 540,491
Time, $250 and over 92,330 84,996
Other time 244,713 242,858
Total deposits 1,832,819 1,846,682
Securities sold under agreements to repurchase 40,623 52,412
Other borrowings 23,502 46,952
Dividends payable 0 1,790
Accrued interest payable 2,485 3,208
Accrued expenses and other liabilities 7,978 7,430
Total liabilities 1,907,407 1,958,474
STOCKHOLDERS' EQUITY    
Common stock, $2 par value, authorized 18,000,000 shares; issued and outstanding 8,892,167 and 8,949,110 shares as of September 30, 2025 and December 31, 2024, respectively 17,784 17,898
Additional paid-in capital 12,798 13,635
Retained earnings 191,235 182,236
Accumulated other comprehensive (loss) (21,225) (39,063)
Total stockholders' equity 200,592 174,706
Total liabilities and stockholders' equity $ 2,107,999 $ 2,133,180