CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Interest and Dividend Income
Interest and fees on loans	$ 10,030	$ 9,980
Interest on investment securities	2,893	548
Dividends on investment securities	61	27
Other interest income	1,740	1,993
Total interest and dividend income	14,724	12,548
Interest Expense
Interest on deposits	7,258	7,798
Interest on FHLB, FRB and correspondent bank borrowings	93	98
Interest on senior debt	0	322
Interest on subordinated debt	297	375
Interest on note payable	0	1
Total interest expense	7,648	8,594
Net interest income	7,076	3,954
(Recovery of) provision and credit loss expense	(181)	733
Net interest income after (recovery of) provision and credit loss expense	7,257	3,221
Non-interest Income
Loan application, inspection and processing fees	115	211
Deposit fees and service charges	306	418
(Loss) gain on sales of loans, net	0	43
Loss on sale of investment securities, net	(11)	0
Digital Payments income	2,788	1,758
Other income	48	298
Total non-interest income	3,246	2,728
Non-interest Expense
Salaries and benefits	6,820	4,511
Occupancy and equipment expense	910	748
Data processing expense	380	385
Professional and other outside services	1,570	1,081
Advertising and promotional expense	44	153
Loan administration and processing expense	27	104
Regulatory assessments	480	455
Insurance expense, net	247	70
Communications, stationary and supplies	415	228
Other operating expense	1,352	990
Total non-interest expense	12,245	8,725
Loss before income taxes	(1,742)	(2,776)
(Benefit) provision for income taxes	13	1
Net loss	$ (1,755)	$ (2,777)
Basic loss per share (usd per share)	$ (0.02)	$ (0.21)
Diluted loss per share (usd per share)	$ (0.02)	$ (0.21)