Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
Jun. 30, 2026	Jun. 30, 2025
Cash flows from operating activities:
Net income	$ 18,429	$ 15,798
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	2,068	1,712
Depreciation and amortization	345	298
Accretion of premiums on investment securities, net	(784)	(728)
Amortization of deferred loan fees, net	314	280
Stock-based compensation	1,763	1,482
Gain on sale of available for sale securities, net	(14)	0
Gain on sale of loans held for sale, net	(106)	(676)
Proceeds from the sale of loans held for sale	1,329	9,745
Origination of loans held for sale	(1,223)	(9,069)
Increase in cash surrender value of bank owned life insurance	(1,003)	(955)
Amortization of subordinated debt issuance costs	76	0
Deferred income tax expense	1,168	5,039
Net change in operating assets and liabilities:
Accrued interest receivable	(9)	(340)
Other assets	3,075	(6,585)
Accrued interest and other liabilities	14,498	16,667
Net cash provided by operating activities	39,926	32,668
Cash flows from investing activities:
Proceeds from maturities and pay-downs of investment securities held to maturity	17,950	6,044
Purchase of investment securities available for sale	(75,083)	(31,676)
Proceeds from maturities and pay-downs of investment securities available for sale	11,428	11,063
Proceeds from sales of investment securities available for sale	37,181	0
Net increase in loans held for investment	(89,635)	(71,439)
Purchase of loans held for investment	(44,090)	(70,015)
Additions to premises and equipment	(762)	(94)
Purchase of bank owned life insurance	0	(4,000)
Proceeds from the redemption of Federal Home Loan Bank stock	16,167	8,170
Purchase of Federal Home Loan Bank stock	(20,239)	(5,727)
Net cash used in investment activities	(147,083)	(157,674)
Cash flows from financing activities:
Proceeds from issuance of Class A common stock, net	2,571	317
Cash dividends paid	(4,577)	(4,010)
Repurchase of Class A common stock	(1,001)	(174)
Net increase in deposits	107,191	161,657
Proceeds from FHLB advances	448,500	117,000
Repayments on Federal Home Loan Bank advances	(365,850)	(172,000)
Net cash provided by financing activities	186,834	102,790
Net increase (decrease) in cash and cash equivalents	79,677	(22,216)
Cash and cash equivalents at beginning of period	38,477	77,035
Cash and cash equivalents at end of period	118,154	54,819
Supplemental disclosure of cash flow information:
Interest paid	28,968	29,167
Taxes paid	532	0
Lease liabilities	$ 7,106	$ 0

The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.

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Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	credit
Period Type:	duration

- References

No definition available.