Consolidated Balance Sheets - USD ($)	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 47,072,000	$ 28,533,000
Interest-bearing deposits with banks	35,808,000	37,587,000
Cash and cash equivalents	82,880,000	66,120,000
Securities available for sale, at fair value (net of allowance for credit losses of $0)	396,891,000	406,259,000
Loans receivable (net of allowance for credit losses of $18,699 and $18,968)	1,656,440,000	1,584,650,000
Regulatory stock, at cost	6,329,000	7,318,000
Bank premises and equipment, net	18,503,000	17,838,000
Bank owned life insurance	46,382,000	46,439,000
Accrued interest receivable	8,062,000	8,123,000
Foreclosed real estate owned	0	97,000
Deferred tax assets, net	18,818,000	21,353,000
Goodwill	29,266,000	29,266,000
Other intangibles	167,000	221,000
Other assets	16,013,000	13,395,000
TOTAL ASSETS	2,279,751,000	2,201,079,000
Deposits:
Non-interest bearing demand	420,967,000	399,545,000
Interest-bearing	1,434,284,000	1,395,614,000
Total deposits	1,855,251,000	1,795,159,000
Short-term borrowings	52,453,000	74,076,000
Other borrowings	144,959,000	124,236,000
Accrued interest payable	12,688,000	10,510,000
Other liabilities	18,746,000	16,028,000
TOTAL LIABILITIES	2,084,097,000	2,020,009,000
STOCKHOLDERS' EQUITY
Preferred stock, no par value per share, authorized: 5,000,000 shares; issued: none
Common stock, $0.10 par value per share, authorized: 20,000,000 shares, issued: 2024: 8,311,851 shares, 2023: 8,310,847 shares	831,000	831,000
Surplus	98,330,000	97,700,000
Retained earnings	140,489,000	135,284,000
Treasury stock at cost: 2024: 221,140 shares; 2023: 200,690 shares	(5,969,000)	(5,397,000)
Accumulated other comprehensive loss	(38,027,000)	(47,348,000)
TOTAL STOCKHOLDERS’ EQUITY	195,654,000	181,070,000
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 2,279,751,000	$ 2,201,079,000