CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
ASSETS
Cash and cash equivalents	$ 146,605	$ 36,641
Investment securities available for sale at fair value (amortized cost March 31, 2023 $810,152; December 31, 2022 $830,302)	764,441	776,104
Stock of Federal Home Loan Bank	13,585	6,461
Loans held for sale	2,991	1,663
Loans, net of allowance for credit losses March 31, 2023 $41,070; December 31, 2022 $41,440	3,157,788	3,066,981
Property and equipment, net	33,033	33,518
Tax credit real estate investments	8,633	9,152
Accrued interest receivable	17,381	15,782
Deferred income taxes, net	22,147	24,061
Goodwill	2,500	2,500
Other assets	7,622	7,618
Total Assets	4,176,726	3,980,481
Liabilities
Noninterest-bearing deposits	627,784	647,450
Interest-bearing deposits	2,816,297	2,709,917
Total deposits	3,444,081	3,357,367
Other short-term borrowings, federal funds purchased	0	82,061
Federal Home Loan Bank borrowings	220,000	40,000
Accrued interest payable	1,875	1,394
Allowance for credit losses on off-balance sheet credit exposures	4,570	4,430
Other liabilities	19,741	15,958
Total Liabilities	3,690,267	3,501,210
Redeemable Common Stock Held by Employee Stock Ownership Plan (ESOP)	49,804	51,011
STOCKHOLDERS' EQUITY
Common stock, no par value; authorized 20,000,000 shares; issued March 31, 2023 10,347,968 shares; December 31, 2022 10,348,123 shares	0	0
Paid in capital	63,458	63,220
Retained earnings	515,615	512,841
Accumulated other comprehensive loss	(34,658)	(41,060)
Treasury stock at cost (March 31, 2023 1,150,732 shares; December 31, 2022 1,122,639 shares)	(57,956)	(55,730)
Total Stockholders' Equity	486,459	479,271
Less maximum cash obligation related to ESOP shares	49,804	51,011
Total Stockholders' Equity Less Maximum Cash Obligation Related to ESOP Shares	436,655	428,260
Total Liabilities & Stockholders' Equity	$ 4,176,726	$ 3,980,481