CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands		Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks		$ 5,887	$ 5,937
Interest-earning deposits		181,784	184,138
Total cash and cash equivalents		187,671	190,075
Securities held to maturity		107,755	102,291
Securities available for sale		550,617	554,648
CRA equity security, at fair value		13,166	12,985
FHLB and FRB stock, at cost	[1]	31,044	30,672
Loans held for sale, at fair value		100
Loans held for sale, at lower of cost or fair value		6,695	15,626
Loans		5,429,325	5,285,246
Less: allowance for credit losses		65,888	60,829
Net loans		5,363,437	5,224,417
Premises and equipment		24,166	23,831
Other real estate owned			116
Accrued interest receivable		30,676	25,157
Bank owned life insurance		47,581	47,147
Goodwill		36,212	36,212
Other intangible assets		9,802	11,121
Finance lease right-of-use assets		2,087	2,835
Operating lease right-of-use assets		12,096	12,873
Deferred tax assets, net		505
Other assets		53,247	63,587
Total assets		6,476,857	6,353,593
Deposits:
Noninterest-bearing demand deposits		957,687	1,246,066
Interest-bearing deposits:
Checking	[2]	2,882,193	2,143,611
Savings		111,573	157,338
Money market accounts		740,559	1,228,234
Certificates of deposit - retail		443,791	318,573
Certificates of deposit - listing service		7,804	25,358
Subtotal deposits		5,143,607	5,119,180
Interest-bearing demand – Brokered		10,000	60,000
Certificates of deposit - Brokered		120,507	25,984
Total deposits		5,274,114	5,205,164
Short-term borrowings		403,814	379,530
Finance lease liabilities		3,430	4,696
Operating lease liabilities		12,876	13,704
Subordinated debt, net		133,274	132,987
Deferred tax liabilities, net			15,432
Accrued expenses and other liabilities		65,668	69,100
Total liabilities		5,893,176	5,820,613
SHAREHOLDERS’ EQUITY
Preferred stock (no par value; authorized 500,000 shares)
Common stock (no par value; stated value $0.83 per share; authorized 42,000,000 shares; issued shares, 21,388,917 at December 31, 2023 and 21,007,350 at December 31, 2022; outstanding shares, 17,739,677 at December 31, 2023 and 17,813,451 at December 31, 2022)		17,831	17,513
Surplus		346,954	338,706
Treasury stock at cost (3,649,240 shares at December 31, 2023 and 3,193,899 shares at December 31, 2022)		(110,320)	(97,826)
Retained earnings		394,094	348,798
Accumulated other comprehensive loss		(64,878)	(74,211)
Total shareholders’ equity		583,681	532,980
Total liabilities and shareholders’ equity		$ 6,476,857	$ 6,353,593

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

[2] Interest-bearing checking includes $990.7 million at December 31, 2023 and $620.1 million at December 31, 2022 of reciprocal balances in the Reich & Tang or Promontory Demand Deposit Marketplace programs.