CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 28,595	$ 22,470
Short-term investments	126,209	130,645
Cash and cash equivalents	154,804	153,115
Debt securities available-for-sale (at fair value)	31,168	36,837
Federal Home Loan Bank stock, at cost	3,743	785
Loans held for sale		22,846
Loans, net of allowance for loan losses of $18,972 and $19,496 as of June 30, 2022 and December 2021, respectively	1,514,245	1,433,803
Bank owned life insurance	43,083	42,569
Premises and equipment, net	13,890	14,258
Accrued interest receivable	5,765	5,703
Right-of-use assets	4,022	4,102
Other assets	17,305	15,265
Total assets	1,788,025	1,729,283
Deposits:
Noninterest-bearing	675,411	626,587
Interest-bearing	764,461	833,308
Total deposits	1,439,872	1,459,895
Borrowings:
Short-term borrowings	78,000
Long-term borrowings	13,500	13,500
Total borrowings	91,500	13,500
Operating lease liabilities	4,335	4,387
Other liabilities	12,409	17,719
Total liabilities	1,548,116	1,495,501
Shareholders' equity:
Preferred stock; authorized 50,000 shares: no shares issued and outstanding
Common stock, $0.01 par value, 100,000,000 shares authorized; 17,718,522 and 17,854,649 shares issued and outstanding at June 30, 2022 and December 31, 2021, respectively	177	179
Additional paid-in capital	121,770	123,498
Retained earnings	127,890	118,087
Accumulated other comprehensive (loss) income	(1,656)	649
Unearned compensation - ESOP	(8,272)	(8,631)
Total shareholders' equity	239,909	233,782
Total liabilities and shareholders' equity	$ 1,788,025	$ 1,729,283