CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 72,267	$ 73,358
Interest bearing deposits with banks	338,375	514,899
Total cash and cash equivalents	410,642	588,257
Securities available-for-sale, amortized cost $199,374 and $183,171, respectively	182,512	152,864
Securities held-to-maturity, fair value $671,585 and $688,393, respectively	817,688	845,346
Allowance for credit losses - securities held-to-maturity	(450)	(393)
Total investment securities	999,750	997,817
Non-marketable securities	15,549	15,549
Loans and leases held-for-investment, net of unearned income	3,654,689	3,512,361
Allowance for credit losses - loans and leases	(74,965)	(66,885)
Loans held-for-investment, net	3,579,724	3,445,476
Bank-owned life insurance	74,931	73,038
Premises and equipment, net	51,907	49,476
Deferred income tax assets	39,979	31,507
Accrued interest receivable	28,520	21,602
Goodwill	11,183	11,183
Other intangibles	2,236	2,809
Other real estate owned	873	873
Other assets	93,634	89,812
Total Assets	5,308,928	5,327,399
Deposits:
Non-interest bearing	1,482,571	1,758,793
Interest bearing:
Demand	933,417	1,125,014
Savings and money market	1,607,479	1,544,062
Certificates of deposit	644,628	331,400
Total interest bearing	3,185,524	3,000,476
Total deposits	4,668,095	4,759,269
Subordinated debentures	10,310	10,310
Interest payable and other liabilities	80,768	72,512
Total Liabilities	4,759,173	4,842,091
SHAREHOLDERS' EQUITY
Preferred shares, no par value, 1,000,000 shares authorized and, none issued or outstanding	0	0
Common shares, $0.01 par value, 7,500,000 authorized, 747,971 and 768,337 issued and outstanding at December 31, 2023 and 2022, respectively	7	8
Additional paid-in capital	36,852	57,206
Retained earnings	525,360	449,932
Accumulated other comprehensive income/(loss), net of taxes	(12,464)	(21,838)
TOTAL SHAREHOLDERS' EQUITY	549,755	485,308
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 5,308,928	$ 5,327,399