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Consolidated Balance Sheets - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
Assets    
Cash and due from banks $ 28,450 $ 23,287
Federal funds sold 57,001 50,022
Total cash and cash equivalents 85,451 73,309
Securities held-to-maturity, at amortized cost (fair value of $3,308 as of September 30, 2025 and $3,170 as of December 31, 2024) net of allowance for credit losses of $0 as of September 30, 2025 and December 31, 2024 3,594 3,606
Securities available-for-sale, at fair value 202,506 187,916
Restricted stock, at cost 1,828 1,821
Loans, net of allowance for credit losses of $6,298 as of September 30, 2025 and $7,044 as of December 31, 2024 653,288 636,552
Loans held for sale 3,766 3,616
Premises and equipment, net 18,834 19,313
Interest receivable 3,001 3,065
Cash value - bank owned life insurance 23,480 22,907
Customer relationship intangible 6,305 6,725
Goodwill 2,054 2,054
Other assets 16,018 18,360
Total assets 1,020,125 979,244
Deposits    
Noninterest bearing demand 132,848 129,692
NOW, money market and savings 548,110 522,208
Time 238,838 230,504
Total deposits 919,796 882,404
Capital notes, net   10,048
Other borrowings 8,836 9,300
Interest payable 1,292 722
Other liabilities 13,229 11,905
Total liabilities 943,153 914,379
Stockholders’ equity    
Common stock $2.14 par value; authorized 10,000,000 shares; issued and outstanding 4,543,338 as of September 30, 2025 and December 31, 2024 9,723 9,723
Additional paid-in-capital 35,253 35,253
Accumulated other comprehensive loss (15,743) (22,915)
Retained earnings 47,739 42,804
Total stockholders’ equity 76,972 64,865
Total liabilities and stockholders’ equity $ 1,020,125 $ 979,244