Federal funds sold and interest-bearing balances in banks
155,624
287,343
179,729
206,715
Cash and cash equivalents
177,382
305,904
206,514
228,446
Investment securities available-for-sale ('afs'), at fair value, net of allowance for credit losses of 0 at both june 30, 2026 and december 31, 2025
182,710
189,432
179,708
187,774
Equity securities, at fair value
11,707
12,613
12,554
13,307
Federal home loan bank ('fhlb') stock, at par
12,046
11,524
11,524
11,524
Federal reserve bank ('frb') stock, at par
7,733
7,727
7,722
9,657
Loans held for sale
-
125
1,316
421
Total loans
2,074,704
2,010,754
2,065,692
2,041,683
Net deferred loan costs
-525
-528
-644
-654
Allowance for credit losses
22,950
20,600
21,210
20,800
Loans, net of allowance for credit losses of 22,950 at june 30, 2026 and 21,210 at december 31, 2025
2,052,279
1,990,682
2,045,126
2,021,537
Premises and equipment, net
13,132
13,036
13,220
13,577
Core deposit intangible, net
1,518
1,631
1,745
1,945
Cash surrender value of bank owned life insurance ('boli') policies, net
24,746
24,547
24,353
24,162
Right-of-use assets ('rou'), net
14,730
13,590
12,665
13,476
Goodwill
38,838
38,838
38,838
38,838
Interest receivable and other assets
43,260
38,887
38,392
39,123
Total assets
2,580,081
2,648,536
2,593,677
2,603,787
Noninterest and interest bearing deposits
2,169,918
2,265,390
2,213,640
2,228,052
Other borrowings
25,000
-
-
-
Junior subordinated deferrable interest debentures, net
5,888
5,874
8,726
8,706
Salary continuation plan
5,235
5,274
5,122
4,991
Lease liabilities
15,692
14,568
13,659
14,494
Interest payable and other liabilities
22,958
13,442
13,976
13,275
Total liabilities
2,244,691
2,304,548
2,255,123
2,269,518
Common stock, no par value 100,000,000 shares authorized 10,909,317 and 10,887,681 shares issued and outstanding at june 30, 2026 and december 31, 2025, respectively
167,352
166,186
165,998
166,633
Additional paid in capital
287
287
287
287
Accumulated other comprehensive loss, net of tax
-5,823
-6,294
-6,634
-7,962
Retained earnings
173,574
183,809
178,903
175,311
Total shareholders' equity
335,390
343,988
338,554
334,269
Total liabilities and shareholders' equity
2,580,081
2,648,536
2,593,677
2,603,787
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Time Plot
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