CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands		Mar. 31, 2024		Dec. 31, 2023
ASSETS
Cash and due from banks		$ 5,769		$ 5,887
Interest-earning deposits		189,069		181,784
Total cash and cash equivalents		194,838		187,671
Securities available for sale		550,870		550,617
Securities held to maturity (fair value $92,343 at March 31, 2024 and $94,415 at December 31, 2023)		106,498		107,755
CRA equity security, at fair value		13,055		13,166
FHLB and FRB stock, at cost		18,079	[1]	31,044
Loans held for sale, at fair value		2,045		100
Loans held for sale, at lower of cost or fair value		4,020		6,695
Loans		5,356,385		5,429,325
Less: allowance for credit losses		66,251		65,888
Net loans		5,290,134		5,363,437
Premises and equipment		24,494		24,166
Accrued interest receivable		32,672		30,676
Bank owned life insurance		47,580		47,581
Goodwill		36,212		36,212
Other intangible assets		9,530		9,802
Finance lease right-of-use assets		1,900		2,087
Operating lease right-of-use assets		16,035		12,096
Deferred tax assets, net		5,456		505
Other assets		55,135		53,247
TOTAL ASSETS		6,408,553		6,476,857
Deposits:
Noninterest-bearing demand deposits		914,893		957,687
Interest-bearing deposits:
Checking	[2]	3,029,119		2,882,193
Savings		108,305		111,573
Money market accounts		775,132		740,559
Certificates of deposit - retail		486,079		443,791
Certificates of deposit - listing service		7,704		7,804
Subtotal deposits		5,321,232		5,143,607
Interest-bearing demand - brokered		10,000		10,000
Certificates of deposit - brokered		145,480		120,507
Total deposits		5,476,712		5,274,114
Short-term borrowings		119,490		403,814
Finance lease liabilities		3,104		3,430
Operating lease liabilities		17,630		12,876
Subordinated debt, net		133,346		133,274
Accrued expenses and other liabilities		75,892		65,668
TOTAL LIABILITIES		5,826,174		5,893,176
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, 21,510,778 at March 31, 2024 and 21,388,917 at December 31, 2023; outstanding shares, 17,761,538 at March 31, 2024 and 17,739,677 at December 31, 2023)		17,932		17,831
Surplus		343,111		346,954
Treasury stock at cost (3,749,240 shares at March 31, 2024 and 3,649,240 shares at December 31, 2023)		(112,742)		(110,320)
Retained earnings		401,838		394,094
Accumulated other comprehensive loss, net of income tax		(67,760)		(64,878)
TOTAL SHAREHOLDERS’ EQUITY		582,379		583,681
TOTAL LIABILITIES & SHAREHOLDERS’ EQUITY		$ 6,408,553		$ 6,476,857

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

[2] Interest-bearing checking includes $1.1 billion at March 31, 2024 and $990.7 million at December 31, 2023 of reciprocal balances in the Reich & Tang or Promontory Demand Deposit Marketplace program.