CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest and Dividend Income
Interest and fees on loans	$ 11,993	$ 14,052	$ 24,641	$ 26,602
Interest on investment securities	632	687	1,293	1,367
Dividends on investment securities	78	171	149	306
Other interest income	514	399	1,135	680
Total interest and dividend income	13,217	15,309	27,218	28,955
Interest Expense
Interest on deposits	6,285	5,248	12,971	8,827
Interest on FHLB, FRB and correspondent bank borrowings	1,214	1,723	2,428	3,159
Interest on senior debt	289	289	579	579
Interest on subordinated debt	404	333	810	659
Interest on note payable	2	3	3	5
Total interest expense	8,194	7,596	16,791	13,229
Net interest income	5,023	7,713	10,427	15,726
Provision for credit losses	3,092	1,325	3,750	3,545
Net interest income after provision for credit losses	1,931	6,388	6,677	12,181
Non-interest Income
Loan application, inspection and processing fees	90	121	292	244
Deposit fees and service charges	239	74	320	142
Gains on sales of loans	54	85	321	166
Rental income	130	105	151	224
(Loss) gain on sale of investment securities, net	0	0	(24)	24
Digital Payments income	1,212	405	2,176	766
Other income	338	39	1,074	98
Total non-interest income	2,063	829	4,310	1,664
Non-interest Expense
Salaries and benefits	4,623	4,661	8,779	8,928
Occupancy and equipment expense	862	839	1,679	1,723
Data processing expense	336	316	660	610
Professional and other outside services	737	727	1,578	1,641
Project expenses, net	0	66	0	93
Advertising and promotional expense	88	77	134	162
Loan administration and processing expense	52	103	60	154
Regulatory assessments	285	317	504	499
Insurance expense, net	73	68	149	145
Communications, stationary and supplies	220	241	369	432
Other operating expense	723	648	1,313	1,260
Total non-interest expense	7,999	8,063	15,225	15,647
Loss before income taxes	(4,005)	(846)	(4,238)	(1,802)
Benefit for income taxes	(924)	(231)	(858)	(488)
Net loss	$ (3,081)	$ (615)	$ (3,380)	$ (1,314)
Basic loss per share (usd per share)	$ (0.77)	$ (0.16)	$ (0.85)	$ (0.33)
Diluted loss per share (usd per share)	$ (0.77)	$ (0.16)	$ (0.85)	$ (0.33)