CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Interest and Dividend Income
Interest and fees on loans	$ 36,564	$ 47,322	$ 54,310
Interest on investment securities	2,934	2,565	2,653
Dividends on investment securities	168	287	504
Other interest income	8,177	2,188	1,490
Total interest and dividend income	47,843	52,362	58,957
Interest Expense
Interest on deposits	26,663	26,049	21,668
Interest on FHLB, FRB and correspondent bank borrowings	100	3,476	6,141
Interest on senior debt	610	1,159	1,159
Interest on subordinated debt	1,355	1,596	1,481
Interest on note payable	1	5	8
Total interest expense	28,730	32,285	30,457
Net interest income	19,112	20,077	28,500
Provision for credit losses	1,505	12,455	7,429
Net interest income after provision for credit losses	17,607	7,622	21,071
Non-interest Income
Loan application, inspection and processing fees	571	625	694
Deposit fees and service charges	1,524	536	285
(Loss) gain on sales of loans	(2,230)	440	169
Rental income	323	302	395
(Loss) gain on sale of investment securities, net	0	(334)	24
Digital payment fee income	9,858	5,109	2,294
Other income	468	1,684	2,144
Total non-interest income	10,514	8,362	6,005
Non-interest Expense
Salaries and benefits	21,978	17,896	17,598
Occupancy and equipment expense	3,096	3,208	3,410
Data processing expense	1,717	1,320	1,228
Professional and other outside services	4,309	3,700	3,369
Project expenses, net	0	0	93
Advertising and promotional expense	289	360	269
Loan administration and processing expense	199	167	259
Regulatory assessments	1,736	1,363	1,176
Insurance expense, net	729	316	277
Communications, stationary and supplies	1,414	973	870
Intangible asset impairment	0	0	1,107
Other operating expense	5,304	2,778	3,053
Total non-interest expense	40,771	32,081	32,709
(Loss) income before income taxes	(12,650)	(16,097)	(5,633)
Provision (benefit) for income taxes	59	23,785	(1,454)
Net (loss) income	$ (12,710)	$ (39,882)	$ (4,179)
Basic (loss) earnings per share (usd per share)	$ (0.17)	$ (10.03)	$ (1.05)
Diluted (loss) earnings per common share (usd per share)	$ (0.17)	$ (10.03)	$ (1.05)