CONSOLIDATED BALANCE SHEETS - UNAUDITED - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 28,612	$ 20,784
Federal funds sold	12,559	2,991
Interest-bearing deposits and other short-term investments	31,631	5,065
Total cash and cash equivalents	72,802	28,840
Securities available-for-sale, at fair value	155,889	137,115
Securities held-to-maturity, at amortized cost (Fair value of $182,548 at September 30, 2024 and $187,692 at December 31, 2023)	213,266	223,370
Marketable equity securities, at fair value	252	196
Total investment securities	369,407	360,681
Federal Home Loan Bank stock and other restricted stock, at amortized cost	7,143	3,707
Total Loans	2,049,002	2,027,317
Less: Allowance for credit losses	(19,955)	(20,267)
Net loans	2,029,047	2,007,050
Premises and equipment, net	24,249	25,575
Accrued interest receivable	8,653	8,528
Bank-owned life insurance	76,570	75,145
Deferred tax asset, net	12,481	13,636
Goodwill	12,487	12,487
Core deposit intangible	1,531	1,813
Other assets	26,109	27,109
TOTAL ASSETS	2,640,479	2,564,571
Deposits:
Non-interest-bearing deposits	568,685	579,594
Interest-bearing deposits	1,655,521	1,564,150
Total deposits	2,224,206	2,143,744
Borrowings:
Short-term borrowings	4,390	16,100
Long-term debt	128,277	120,646
Subordinated debt	19,741	19,712
Total borrowings	152,408	156,458
Other liabilities	23,210	26,960
TOTAL LIABILITIES	2,399,824	2,327,162
SHAREHOLDERS’ EQUITY:
Preferred stock - $0.01 par value, 5,000,000 shares authorized, none outstanding at September 30, 2024 and December 31, 2023
Common stock - $0.01 par value, 75,000,000 shares authorized, 21,113,408 shares issued and outstanding at September 30, 2024; 21,666,807 shares issued and outstanding at December 31, 2023	211	217
Additional paid-in capital	121,428	125,448
Unearned compensation – Employee Stock Ownership Plan (“ESOP”)	(2,028)	(2,394)
Unearned compensation - Equity Incentive Plan	(1,513)	(1,111)
Retained earnings	140,902	136,993
Accumulated other comprehensive loss	(18,345)	(21,744)
TOTAL SHAREHOLDERS’ EQUITY	240,655	237,409
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 2,640,479	$ 2,564,571