CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Cash Flows from Operating Activities:
Net (loss) income	$ (12,710)	$ (39,882)	$ (4,179)
Adjustments to reconcile net loss to net cash provided by (used in) operating activities:
Accretion of investment premiums and discounts, net	(336)	(160)	(116)
Amortization and accretion of purchase loan premiums and discounts, net	(174)	17	1,902
Amortization of debt issuance costs	193	177	177
Amortization of core deposit intangible	47	47	46
Amortization of servicing assets of sold SBA loans	153	229	114
Impairment of intangible assets	0	0	1,107
Provision for credit losses	1,505	12,455	7,429
Depreciation and amortization	986	1,078	1,193
Loss (gain) on sales of available-for-sale securities	0	334	(24)
Gain on sale of premises and equipment	(1)	(3)	0
Share-based compensation	5,233	184	105
Decrease (increase) in deferred tax assets	0	23,100	(4,211)
Increase in deferred tax liabilities	59	724	0
Originations of loans held for sale, net	(908,916)	(577,242)	(189,453)
Proceeds from sale of loans held for sale	896,135	581,560	174,066
Gains on sale of loans held for sale, net	2,230	(440)	(169)
Net gain on sale and write-down of other real estate owned	77	0	0
Changes in assets and liabilities:
Decrease in accrued interest and dividends receivable	619	1,731	48
(Increase) decrease in other assets	808	(1,123)	1,750
Decrease in accrued expenses and other liabilities	(78)	(103)	(500)
Net cash provided by (used in) operating activities	(14,170)	2,683	(10,715)
Cash Flows from Investing Activities:
Proceeds from maturity or sales on available-for-sale securities	0	8,325	1,780
Principal repayments on available-for-sale securities	4,399	3,629	4,324
Purchases of available-for-sale securities	(145,188)	(2,319)	(10,415)
Proceeds from maturity of other investments	4,450	0	0
(Purchases) redemptions of Federal Reserve Bank stock	(1,584)	713	537
(Purchases) redemptions of Federal Home Loan Bank stock	100	3,423	(328)
Origination of loans receivable	0	(48,936)	(145,531)
Purchases of loans receivable	(26,376)	(187)	(21,108)
Payments received on loans receivable	141,080	170,405	143,977
Purchases of premises and equipment	(172)	(55)	(412)
Proceeds from sale of premises and equipment	1	13	0
Proceeds from sale of other real estate owned	2,766	0	0
Net cash provided by (used in) investing activities	(20,524)	135,011	(27,176)
Increase (decrease) in deposits, net
Increase (decrease) in deposits, net	(811)	126,286	(20,135)
(Repayments) proceeds from FHLB daily borrowing, net	(3,000)	(68,000)	16,000
Repayments of FHLB long term borrowings	0	(30,000)	0
Proceeds from FRB and correspondent bank borrowings	70,000	42,000	285,500
Repayments of FRB and correspondent bank borrowings	(70,000)	(112,000)	(215,500)
Principal repayments of senior notes	(2,884)	0	0
Principal repayments of note payable	(162)	(214)	(209)
Increase in advances from borrowers for taxes and insurance	(579)	308	278
Proceeds from preferred stock issuance	5,450	0	0
Private Placement Costs for preferred stock	(351)	0	0
Proceeds from common stock issuance	85,572	0	0
Private Placement Costs for common stock	(4,023)	0	0
Net cash (used in) provided by financing activities	79,212	(41,620)	65,934
Net increase (decrease) in cash, cash equivalents and restricted cash	44,518	96,074	28,043
Cash, cash equivalents and restricted cash at beginning of period	162,610	66,536	38,493
Cash, cash equivalents and restricted cash at end of period	207,127	162,610	66,536
Supplemental Disclosures of Cash Flow Information:
Cash paid for interest	29,317	31,924	29,631
Cash paid (refund) for income taxes, net	(16)	66	3,536
Non-cash transactions:
Change in unrealized loss (gain) on available-for-sale securities, net of tax	(3,562)	420	(384)
Transfers of loans held for sale to loans receivable	4,048	5,526	0
Transfers of loans receivable to loans held for sale	0	(4,339)	0
Transfers of loans receivable to OREO	0	0	2,843
Capitalized servicing assets	48	138	85
Capitalized project costs	142	0	0
Retained beneficial interest	518	0	0
Operating lease right-of-use assets / liabilities	10	177	16
Increase (decrease) in interest rate swaps	(44)	9	(129)
Deferred cost for capital raise	(120)	(120)	0
Deferred debt issuance costs	(23)	0	56
Decrease in premises and equipment recorded under other liabilities	(35)	0	0
Senior debt conversion to common stock	(9,705)	0	0
Subordinated debt conversion to common stock	(2,000)	0	0
Accrued interest capitalized into principal	1,098	0	0
Preferred Stock conversion to Common Stock	5,099	0	0
Decrease in premises and equipment recorded under other liabilities	0	(65)	0
Expected credit loss for loans - ASC 326 adoption	0	0	13,001
Expected credit loss for unfunded loan commitments - ASC 326 adoption	0	0	2,737
Deferred tax assets - ASC 326 adoption	0	0	(4,228)
Retained earnings adjustment - ASC 326 adoption	$ 0	$ 0	$ 11,510