CONSOLIDATED BALANCE SHEETS - UNAUDITED - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 19,244	$ 20,784
Federal funds sold	709	2,991
Interest-bearing deposits and other short-term investments	2,660	5,065
Cash and cash equivalents	22,613	28,840
Available-for-sale securities, at fair value	138,362	137,115
Held-to-maturity securities, at amortized cost (Fair value of $181,679 at March 31, 2024 and $187,692 at December 31, 2023)	221,242	223,370
Marketable equity securities, at fair value	222	196
Federal Home Loan Bank stock and other restricted stock, at cost	3,105	3,707
Loans, net of allowance for credit losses of $19,884 at March 31, 2024 and $20,267 at December 31, 2023	2,005,682	2,007,050
Premises and equipment, net	24,968	25,575
Accrued interest receivable	8,622	8,528
Bank-owned life insurance	75,598	75,145
Deferred tax asset, net	14,278	13,636
Goodwill	12,487	12,487
Core deposit intangible	1,719	1,813
Other assets	28,338	27,109
TOTAL ASSETS	2,557,236	2,564,571
Deposits:
Non-interest-bearing	559,928	579,594
Interest-bearing	1,583,819	1,564,150
Total deposits	2,143,747	2,143,744
Short-term borrowings	11,470	16,100
Long-term debt	120,646	120,646
Subordinated debt	19,722	19,712
Other liabilities	25,855	26,960
TOTAL LIABILITIES	2,321,440	2,327,162
SHAREHOLDERS’ EQUITY:
Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at March 31, 2024 and December 31, 2023
Common stock - $0.01 par value, 75,000,000 shares authorized, 21,627,690 shares issued and outstanding at March 31, 2024; 21,666,807 shares issued and outstanding at December 31, 2023	216	217
Additional paid-in capital	125,213	125,448
Unearned compensation – ESOP	(2,272)	(2,394)
Unearned compensation - Equity Incentive Plan	(2,174)	(1,111)
Retained earnings	138,450	136,993
Accumulated other comprehensive loss	(23,637)	(21,744)
TOTAL SHAREHOLDERS’ EQUITY	235,796	237,409
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 2,557,236	$ 2,564,571