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Condensed Consolidated Balance Sheets - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Assets    
Cash and due from banks $ 85,025 $ 25,928
Interest bearing time deposits 2,025 1,565
Available-for-sale securities 193,190 201,587
Loans held for sale 4,736 6,770
Loans, net of unearned income 1,110,545 1,046,735
Allowance for credit losses (15,943) (15,096)
Premises and equipment, net 21,764 20,456
Federal Reserve and Federal Home Loan Bank Stock, at cost 5,466 5,223
Foreclosed assets and other assets held for sale, net 237
Interest receivable 5,455 4,908
Goodwill 27,158 23,239
Cash value of life insurance 32,004 30,685
Mortgage servicing rights 15,347 14,868
Other assets 9,254 12,649
Total assets 1,496,263 1,379,517
Liabilities    
Non interest bearing demand 246,725 232,155
Interest bearing demand 194,420 201,085
Savings 290,111 237,987
Money market 261,953 222,161
Time deposits 269,313 259,217
Total deposits 1,262,522 1,152,605
Repurchase agreements 10,976 10,585
Federal Home Loan Bank advances 35,000 35,000
Trust preferred securities 10,310 10,310
Subordinated debt net of issuance costs 19,726 19,690
Interest payable 2,739 2,351
Other liabilities 18,051 21,468
Total liabilities 1,359,324 1,252,009
Commitments & Contingent Liabilities
Shareholders’ Equity    
Preferred stock, no par value; authorized 200,000 shares; 2025 - 0 shares outstanding, 2024 - 0 shares outstanding
Common stock, no par value; 2025 - 10,500,000 shares authorized, 8,525,375 shares issued; 2024 - 10,500,000 shares authorized, 8,525,375 shares issued 61,319 61,319
Additional paid-in capital 15,086 15,194
Retained earnings 123,370 116,186
Accumulated other comprehensive loss (23,412) (30,234)
Treasury stock, at cost; (2025 - 2,216,670 common shares; 2024 - 1,977,538 common shares) (39,424) (34,957)
Total shareholders’ equity 136,939 127,508
Total liabilities and shareholders’ equity $ 1,496,263 $ 1,379,517