Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Cash and due from banks:
Noninterest bearing deposits and cash	$ 2,693	$ 7,381
Interest bearing deposits	36,711	59,056
Total cash and cash equivalents	39,404	66,437
Investment securities:
Available-for-sale securities, at fair value	48,317	39,496
Other investments, at cost	4,450	4,963
Total investment securities	52,767	44,459
Federal Reserve Bank stock, at cost	2,897	2,866
Federal Home Loan Bank stock, at cost	4,477	4,928
Loans receivable (net of allowance for loan losses: 2019: $10,115, 2018: $7,609)	802,049	772,767
SBA loans held for sale	15,282
Accrued interest and dividends receivable	3,603	3,766
Premises and equipment, net	34,568	35,435
Other real estate owned	2,400	2,945
Deferred tax asset, net	11,133	10,851
Goodwill	1,107	1,728
Core deposit intangible, net	623	698
Other assets	9,526	4,816
Total assets	979,836	951,696
Deposits:
Noninterest bearing deposits	88,135	84,471
Interest bearing deposits	681,400	658,810
Total deposits	769,535	743,281
Federal Home Loan Bank and correspondent bank borrowings	100,000	100,000
Senior notes, net	11,853	11,778
Subordinated debt, net	9,752	9,723
Junior subordinated debt owed to unconsolidated trust, net	8,102	8,094
Note payable	1,193	1,388
Advances from borrowers for taxes and insurance	3,681	2,926
Accrued expenses and other liabilities	8,726	5,166
Total liabilities	912,842	882,356
Commitments and Contingencies
Shareholders' equity
Preferred stock, no par value; 1,000,000 shares authorized, no shares issued and outstanding	0	0
Common stock, $.01 par value, 100,000,000 shares authorized; As of December 31, 2019: 4,004,410 shares issued; 3,930,669 shares outstanding As of December 31, 2018: 3,984,415 shares issued; 3,910,674 shares outstanding	106,170	105,956
Accumulated deficit	(38,773)	(35,790)
Accumulated other comprehensive loss	(403)	(826)
Total shareholders' equity	66,994	69,340
Total liabilities and shareholders' equity	$ 979,836	$ 951,696