Interest bearing deposits and short-term investments
39,098
4,805
Cash and cash equivalents
53,764
25,033
Available for sale, at fair value (allowance for credit losses 360 on december 31, 2024)
169,561
169,765
Held to maturity (fair value 63,492 on september 30, 2025 and 58,471 on december 31, 2024 allowance for credit losses 94 on september 30, 2025 and 89 on december 31, 2024)
67,179
67,555
Trading securities
4,462
4,205
Loans (net of unearned income 532 on september 30, 2025 and 517 on december 31, 2024)
1,055,683
1,069,060
Less allowance for credit losses
14,408
14,060
Net loans
1,041,275
1,055,000
Operating lease right-of-use asset
1,442
1,489
Financing lease right-of-use asset
2,163
2,219
Loans held for sale
-
160
Other premises and equipment, net
13,884
13,775
Accrued interest income receivable
6,021
5,738
Goodwill
13,611
13,611
Net deferred tax asset
-
370
Core deposit intangible
61
66
Bank owned life insurance
39,172
40,301
Federal home loan bank stock
4,004
4,270
Federal reserve bank stock
2,161
2,161
Other real estate owned and repossessed assets
240
258
Other assets
42,494
42,757
Total assets
1,461,494
1,448,733
Non-interest bearing deposits
199,656
203,016
Interest bearing deposits
1,058,932
1,041,517
Total deposits
1,258,588
1,244,533
Short-term borrowings
-
2,688
Advances from federal home loan bank
48,023
48,923
Operating lease liabilities
1,471
1,516
Financing lease liabilities
2,549
2,596
Subordinated debt
26,757
26,747
Total borrowed funds
78,800
82,470
Net deferred tax liability
415
-
Other liabilities
9,116
10,809
Total liabilities
1,346,919
1,337,812
Common stock, par value 0.01 per share 30,000,000 shares authorized 26,776,089 shares issued and 16,519,267 shares outstanding on september 30, 2025 and december 31, 2024
268
268
Treasury stock at cost, 10,256,822 shares on september 30, 2025 and december 31, 2024
84,791
84,791
Capital surplus
146,372
146,372
Retained earnings
63,166
61,117
Accumulated other comprehensive loss
-10,440
-12,045
Total shareholders' equity
114,575
110,921
Total liabilities and shareholders' equity
1,461,494
1,448,733
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Time Plot
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