Consolidated Balance Sheets - USD ($) $ in Thousands		Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks		$ 20,582	$ 16,778
Interest-bearing due from banks		155,708	63,539
Federal funds sold		565	489
Cash and cash equivalents		176,855	80,806
Securities available-for-sale, at fair value		193,840	202,231
Restricted securities, at cost		3,845	5,176
Loans held for sale		0	470
Loans, net	[1]	1,014,012	1,068,046
Premises and equipment, net		30,411	29,913
Premises and equipment, held for sale		344	344
Bank-owned life insurance		35,909	35,088
Goodwill		1,650	1,650
Core deposit intangible, net		154	187
Repossessed assets		1,701	215
Other assets		19,288	22,256
Total assets		1,478,009	1,446,382
Deposits:
Noninterest-bearing deposits		353,118	331,992
Savings deposits		665,848	655,694
Time deposits		263,820	242,711
Total deposits		1,282,786	1,230,397
Overnight repurchase agreements		1,777	2,383
Federal Home Loan Bank advances		40,000	69,450
Subordinated notes, net		29,766	29,668
Accrued expenses and other liabilities		8,223	7,706
Total liabilities		1,362,552	1,339,604
Stockholders' equity:
Common stock, $5 par value, 10,000,000 shares authorized; 5,077,695 and 5,040,095 shares outstanding (includes 66,464 and 53,660 of nonvested restricted stock, respectively)		25,056	24,932
Additional paid-in capital		17,402	17,099
Retained earnings		86,323	82,277
Accumulated other comprehensive loss, net		(13,324)	(17,530)
Total stockholders' equity		115,457	106,778
Total liabilities and stockholders' equity		$ 1,478,009	$ 1,446,382

[1] Net deferred loan fees totaled $1.0 million on September 30, 2024 and $1.2 million on  December 31, 2023.