Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 49,348	$ 22,965
Interest bearing time deposits	1,706	1,535
Available-for-sale securities	211,511	219,708
Loans held for sale	8,927	2,525
Loans, net of unearned income	1,029,955	1,000,212
Allowance for credit losses	(15,278)	(15,786)
Premises and equipment, net	20,715	21,378
Federal Reserve and Federal Home Loan Bank Stock, at cost	5,223	7,279
Foreclosed assets and other assets held for sale, net		511
Interest receivable	4,842	4,657
Goodwill	23,239	23,239
Cash value of life insurance	30,488	29,121
Mortgage servicing rights	14,357	13,906
Other assets	8,916	11,999
Total assets	1,393,949	1,343,249
Deposits
Non interest bearing demand	222,425	228,713
Interest bearing demand	202,097	166,413
Savings	241,761	216,965
Money market	228,182	202,605
Time deposits	265,068	255,509
Total deposits	1,159,533	1,070,205
Repurchase agreements	15,240	13,387
Federal Home Loan Bank advances	35,000	83,600
Trust preferred securities	10,310	10,310
Subordinated debt net of issuance costs	19,678	19,642
Interest payable	3,374	2,443
Other liabilities	17,973	19,320
Total liabilities	1,261,108	1,218,907
Commitments & Contingent Liabilities
Shareholders’ Equity
Preferred stock, no par value; authorized 200,000 shares; 2024 - 0 shares outstanding, 2023 - 0 shares outstanding
Common stock, no par value; 2024 - 10,500,000 shares authorized, 8,525,375 shares issued; 2023 - 10,500,000 shares authorized, 8,525,375 shares issued	61,319	61,319
Additional paid-in capital	15,090	15,124
Retained earnings	113,515	108,486
Accumulated other comprehensive loss	(24,870)	(29,831)
Treasury stock, at cost; (2024 - 1,847,073 common shares; 2023 - 1,756,733 common shares)	(32,213)	(30,756)
Total shareholders’ equity	132,841	124,342
Total liabilities and shareholders’ equity	$ 1,393,949	$ 1,343,249