CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands		Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks		$ 7,400	$ 5,937
Interest-earning deposits		180,469	184,138
Total cash and cash equivalents		187,869	190,075
Securities available for sale		521,005	554,648
Securities held to maturity (fair value $91,201 at September 30, 2023 and $87,187 at December 31, 2022)		108,940	102,291
CRA equity security, at fair value		12,581	12,985
FHLB and FRB stock, at cost	[1]	34,158	30,672
Loans held for sale, at lower of cost or fair value		6,716	15,626
Loans		5,486,721	5,285,246
Less: allowance for credit losses		68,592	60,829
Net loans		5,418,129	5,224,417
Premises and equipment		23,969	23,831
Other real estate owned			116
Accrued interest receivable		22,889	25,157
Bank owned life insurance		47,509	47,147
Goodwill		36,212	36,212
Other intangible assets		10,074	11,121
Finance lease right-of-use assets		2,274	2,835
Operating lease right-of-use assets		12,800	12,873
Deferred tax assets, net		3,021
Other assets		73,435	63,587
TOTAL ASSETS		6,521,581	6,353,593
Deposits:
Noninterest-bearing demand deposits		947,405	1,246,066
Interest-bearing deposits:
Checking	[2]	2,871,359	2,143,611
Savings		117,905	157,338
Money market accounts		761,833	1,228,234
Certificates of deposit - retail		422,291	318,573
Certificates of deposit - listing service		9,103	25,358
Subtotal deposits		5,129,896	5,119,180
Interest-bearing demand - brokered		10,000	60,000
Certificates of deposit - brokered		119,463	25,984
Total deposits		5,259,359	5,205,164
Short-term borrowings		470,576	379,530
Finance lease liabilities		3,752	4,696
Operating lease liabilities		13,595	13,704
Subordinated debt, net		133,203	132,987
Deferred tax liabilities, net			15,432
Accrued expenses and other liabilities		82,140	69,100
TOTAL LIABILITIES		5,962,625	5,820,613
SHAREHOLDERS’ EQUITY
Preferred stock (no par value; authorized 500,000 shares; liquidation preference of $1,000 per share)
Common stock (no par value; stated value $0.83 per share; authorized 42,000,000 shares; issued shares, 21,377,835 at September 30, 2023 and 21,007,350 at December 31, 2022; outstanding shares, 17,816,922 at September 30, 2023 and 17,813,451 at December 31, 2022)		17,821	17,513
Surplus		344,609	338,706
Treasury stock at cost (3,560,913 shares at September 30, 2023 and 3,193,899 shares at December 31, 2022)		(108,208)	(97,826)
Retained earnings		386,387	348,798
Accumulated other comprehensive loss, net of income tax		(81,653)	(74,211)
TOTAL SHAREHOLDERS’ EQUITY		558,956	532,980
TOTAL LIABILITIES & SHAREHOLDERS’ EQUITY		$ 6,521,581	$ 6,353,593

[1] FHLB means "Federal Home Loan Bank" and FRB means "Federal Reserve Bank."

[2] Interest-bearing checking includes $974.4 million at September 30, 2023 and $620.1 million at December 31, 2022 of reciprocal balances in the Reich & Tang or Promontory Demand Deposit Marketplace program.