CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from financial institutions	$ 53,724	$ 33,882
Interest-bearing deposits in banks	430,086	318,461
Cash and cash equivalents	483,810	352,343
Time deposits in banks	849	4,121
Securities available-for-sale, at fair value, net of allowance for credit losses of $0 at June 30, 2025 and December 31, 2024 (amortized cost of $111,332 and $115,757 at June 30, 2025 and December 31, 2024, respectively)	94,990	98,194
Securities held-to-maturity, at amortized cost, net of allowance for credit losses of $20 at June 30, 2025 and December 31, 2024 (fair value of $2,270 and $2,353 at June 30, 2025 and December 31, 2024, respectively)	2,585	2,720
Loans held for sale	309	3,247
Loans held for investment	3,758,025	3,532,686
Allowance for credit losses	(40,167)	(37,791)
Loans held for investment, net of allowance for credit losses	3,717,858	3,494,895
FHLB stock	15,000	15,000
Operating leases, right-of-use asset, net	7,094	6,245
Premises and equipment, net	1,606	1,584
Bank-owned life insurance	23,466	19,375
Interest receivable and other assets	65,906	55,554
Total assets	4,413,473	4,053,278
Deposits:
Non-interest-bearing	1,004,061	922,629
Interest-bearing	2,890,561	2,635,365
Total deposits	3,894,622	3,557,994
Subordinated notes, net	73,968	73,895
Other borrowings	0	0
Operating lease liability	7,744	6,857
Interest payable and other liabilities	20,397	17,908
Total liabilities	3,996,731	3,656,654
Commitments and contingencies (Note 8)
Shareholders’ equity:
Preferred stock, no par value; 10,000,000 shares authorized; zero issued and outstanding at June 30, 2025 and December 31, 2024	0	0
Common stock, no par value; 100,000,000 shares authorized; 21,360,991 shares issued and outstanding at June 30, 2025; 21,319,083 shares issued and outstanding at December 31, 2024	303,155	302,531
Retained earnings	125,545	106,464
Accumulated other comprehensive loss, net of taxes	(11,958)	(12,371)
Total shareholders’ equity	416,742	396,624
Total liabilities and shareholders’ equity	$ 4,413,473	$ 4,053,278