CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 10,599	$ 7,406
Interest bearing demand deposits with other banks	82,563	19,479
Total cash and cash equivalents	93,162	26,885
Interest bearing Time Deposits with Financial Institutions	750	750
Securities
Available-for-sale at fair value	98,411	91,801
CRA mutual fund	917	882
Federal Home Loan Bank of Boston stock at cost	1,713	3,242
Loans held-for-sale	2,735	332
Loans receivable, net (allowance for loan losses: $13,754 and $8,895)	1,027,738	927,413
Other real estate owned		314
Bank premises and equipment, net	20,355	17,385
Goodwill	13,815	13,815
Intangible assets (net of accumulated amortization: $5,207 and $4,886)	674	995
Accrued interest receivable	6,373	3,415
Cash surrender value of life insurance policies	21,182	20,580
Deferred taxes	2,412	1,249
Other assets	3,423	3,390
Total Assets	1,293,660	1,112,448
Deposits
Demand (non-interest bearing)	310,769	237,852
Demand (interest bearing)	218,869	153,314
Money market	278,146	239,504
Savings and other	189,776	161,112
Certificates of deposit	131,514	127,724
Total deposits	1,129,074	919,506
Repurchase agreements	7,116	8,530
Federal Home Loan Bank of Boston advances	12,639	50,887
Subordinated debt	9,883	9,859
Note payable	208	246
Finance lease obligations	1,673	1,718
Accrued interest and other liabilities	8,315	8,047
Total Liabilities	1,168,908	998,793
Shareholders' Equity
Outstanding: 2,843,292 and 2,825,912	284	283
Unearned compensation – restricted stock awards	(774)	(795)
Paid-in capital	45,264	44,490
Retained earnings	76,974	68,320
Accumulated other comprehensive income, net	3,004	1,357
Total Shareholders' Equity	124,752	113,655
Total Liabilities and Shareholders' Equity	$ 1,293,660	$ 1,112,448