v3.26.3
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2026
Dec. 31, 2025
Assets:    
Cash and due from banks $ 11,868 $ 10,358
Interest-bearing deposits at other banks 16,709 25,420
Cash and cash equivalents 28,577 35,778
Securities available-for-sale, at fair value (amortized cost of $216,464 and $199,127, respectively) 203,602 193,457
Securities held-to-maturity, at amortized cost (fair value of $27,915 and $30,152, respectively) 32,395 32,544
Equity investments 2,061 2,166
Loans and other finance receivables, net of fees and costs 2,163,832 2,170,600
Allowance for credit losses (20,690) (21,573)
Loans and other finance receivables, net of the allowance for credit losses 2,143,142 2,149,027
Restricted investment in bank stock 7,129 7,811
Bank premises and equipment, net 12,261 12,402
Bank owned life insurance 31,497 30,687
Accrued interest receivable 11,836 10,724
OREO and other repossessed assets 4,853 5,997
Deferred income taxes 6,103 4,215
Servicing assets 3,307 3,932
Goodwill 899 899
Intangible assets 2,410 2,563
Other assets 37,606 36,031
Total assets 2,571,545 2,561,995
Deposits:    
Non-interest bearing 253,433 245,377
Interest bearing 1,913,449 1,912,751
Total deposits 2,166,882 2,158,128
Borrowings 115,219 117,338
Subordinated debentures 49,736 49,853
Accrued interest payable 4,666 6,531
Other liabilities 31,414 30,429
Total liabilities 2,367,917 2,362,279
Stockholders’ equity:    
Common stock, $1 par value: 25,000,000 shares authorized; 13,940,231 and 13,829,645 shares issued, respectively, and 11,937,048 and 11,826,462 shares outstanding, respectively 13,940 13,830
Surplus 91,397 90,352
Treasury stock, 2,003,183 shares, at cost (26,079) (26,079)
Unearned common stock held by ESOP (1,232) (1,232)
Retained earnings 136,149 128,124
Accumulated other comprehensive loss (10,547) (5,279)
Total stockholders’ equity 203,628 199,716
Total liabilities and stockholders’ equity 2,571,545 2,561,995
Commercial Loan    
Assets:    
Mortgage loans held for sale 1,791 0
Mortgage Loan    
Assets:    
Mortgage loans held for sale $ 42,076 $ 33,762