v3.26.1
Consolidated Balance Sheets - USD ($)
$ in Thousands
Jun. 30, 2026
Dec. 31, 2025
Cash and cash equivalents    
Cash and due from banks $ 13,609 $ 11,218
Interest-bearing accounts with other banks 10,653 30,320
Federal funds sold 9,960 38,229
Total cash and cash equivalents 34,222 79,767
Investments    
Securities available-for-sale, at fair value 348,582 330,503
Non-marketable equity securities 11,053 8,759
Total investments 359,635 339,262
Loans held for sale 223,112 170,933
Loans held for investment 1,705,370 1,617,315
Allowance for credit losses on loans (19,817) (18,743)
Loans held for investment, net 1,685,553 1,598,572
Bank-owned life insurance 49,218 48,296
Premises, furniture and equipment, net 18,611 18,122
Deferred tax asset 15,740 16,370
Goodwill 4,708 4,708
Intangible assets 1,538 1,554
Other assets 28,656 29,002
Total assets 2,420,993 2,306,586
Deposits    
Non-interest bearing transaction accounts 355,941 312,251
Interest-bearing transaction accounts 194,896 214,620
Savings and money market 772,809 673,609
Time deposits 724,025 787,204
Total deposits 2,047,671 1,987,684
Other borrowings 75,000 30,000
Other liabilities 28,619 29,373
Total liabilities 2,151,290 2,047,057
Commitments and Contingencies (Note 4)
Shareholders' Equity    
Preferred stock, $1.00 par value, 10,000,000 shares authorized, no shares issued or outstanding 0 0
Capital surplus 188,851 189,882
Retained earnings 79,324 66,886
Accumulated other comprehensive loss (10,475) (9,219)
Total shareholders' equity 269,703 259,529
Total liabilities and shareholders' equity 2,420,993 2,306,586
Voting Common Stock    
Shareholders' Equity    
Common stock 12,003 10,868
Non-voting Common Stock    
Shareholders' Equity    
Common stock $ 0 $ 1,112