CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Assets
Cash and cash equivalents	$ 197,105	$ 187,417
Certificates of deposit	20,696	20,948
Investment securities - available-for-sale, at estimated fair value, net of allowance for credit losses of $0; amortized cost of $636,903 at September 30, 2023 and $683,784 at December 31, 2022	567,409	618,092
Loans, net of allowance for credit losses of $16,149 at September 30, 2023 and $14,792 at December 31, 2022	1,037,066	970,138
Loans held-for-sale	369	0
Stock in Federal Home Loan Bank and other equity securities, at cost	10,518	9,440
Premises and equipment, net	10,058	6,122
Core deposit intangible	4,367	0
Interest receivable and other assets	54,740	59,204
Total Assets	1,902,328	1,871,361
Liabilities:
Demand deposits	770,620	775,173
Interest-bearing transaction deposits	405,980	448,039
Savings and MMDA's	444,646	459,307
Time, $250,000 or less	106,241	35,115
Time, over $250,000	18,857	9,240
Total deposits	1,746,344	1,726,874
Interest payable and other liabilities	19,498	19,447
Total Liabilities	1,765,842	1,746,321
Commitments and contingencies (Note 7)
Stockholders' Equity:
Common stock, no par value; 32,000,000 shares authorized at September 30, 2023, 16,000,000 shares authorized at December 31, 2022; 14,732,351 shares issued and outstanding at September 30, 2023 and 14,652,584 shares issued and outstanding at December 31, 2022	116,768	116,099
Additional paid-in capital	977	977
Retained earnings	67,945	54,492
Accumulated other comprehensive loss, net	(49,204)	(46,528)
Total Stockholders' Equity	136,486	125,040
Total Liabilities and Stockholders' Equity	$ 1,902,328	$ 1,871,361