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Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Consolidated Balance Sheets    
Cash and due from banks $ 32,372 $ 30,919
Interest-bearing deposits 70,148 28,347
Cash and cash equivalents 102,520 59,266
Investment securities available for sale 374,350 388,003
Other investments 2,674 2,728
Total securities 377,024 390,731
Mortgage loans held for sale 544 1,367
Loans 1,152,080 1,138,404
Less allowance for credit losses (10,047) (9,995)
Net loans 1,142,033 1,128,409
Premises and equipment, net 15,074 14,847
Cash surrender value of life insurance 17,796 17,675
Other real estate 125 369
Right of use lease asset 3,831 4,013
Accrued interest receivable and other assets 34,038 35,285
Total assets 1,692,985 1,651,962
Deposits:    
Noninterest-bearing demand 412,761 402,254
Interest-bearing demand, MMDA & savings 756,241 741,363
Time, over $250,000 148,352 145,939
Other time 200,215 195,175
Total deposits 1,517,569 1,484,731
Junior subordinated debentures 15,464 15,464
Lease liability 3,958 4,136
Accrued interest payable and other liabilities 17,486 17,068
Total liabilities 1,554,477 1,521,399
Shareholders' equity:    
Preferred stock, no par value; authorized 5,000,000 shares; no shares issued and outstanding 0 0
Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,459,441 shares at March 31, 2025 and 5,457,646 shares at December 31, 2024 48,708 48,658
Common stock held by deferred compensation trust, at cost; 161,680 shares at March 31, 2025 and 158,580 shares at December 31, 2024 (1,842) (1,757)
Deferred compensation 1,842 1,757
Retained earnings 123,439 121,062
Accumulated other comprehensive loss (33,639) (39,157)
Total shareholders' equity 138,508 130,563
Total liabilities and shareholders' equity $ 1,692,985 $ 1,651,962