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Consolidated Balance Sheets - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Consolidated Balance Sheets    
Cash and due from banks $ 28,714 $ 30,919
Interest-bearing deposits 88,302 28,347
Cash and cash equivalents 117,016 59,266
Investment securities available for sale 376,868 388,003
Other investments 2,621 2,728
Total securities 379,489 390,731
Mortgage loans held for sale 1,390 1,367
Loans 1,183,442 1,138,404
Less allowance for credit losses (10,206) (9,995)
Net loans 1,173,236 1,128,409
Premises and equipment, net 14,417 14,847
Cash surrender value of life insurance 17,710 17,675
Other real estate 0 369
Right of use lease asset 3,663 4,013
Accrued interest receivable and other assets 31,415 35,285
Total assets 1,738,336 1,651,962
Deposits:    
Noninterest-bearing demand 410,802 402,254
Interest-bearing demand, MMDA & savings 779,939 741,363
Time, over $250,000 160,704 145,939
Other time 201,445 195,175
Total deposits 1,552,890 1,484,731
Junior subordinated debentures 15,464 15,464
Lease liability 3,796 4,136
Accrued interest payable and other liabilities 16,719 17,068
Total liabilities 1,588,869 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 September 30, 2025 and 5,457,646 shares at December 31, 2024 48,708 48,658
Common stock held by deferred compensation trust, at cost; 150,423 shares at September 30, 2025 and 158,580 shares at December 31, 2024 (1,523) (1,757)
Deferred compensation 1,523 1,757
Retained earnings 130,105 121,062
Accumulated other comprehensive loss (29,346) (39,157)
Total shareholders' equity 149,467 130,563
Total liabilities and shareholders' equity $ 1,738,336 $ 1,651,962