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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash flows from operating activities    
Net income $ 9,874 $ 5,725
Adjustments to reconcile net income to net cash provided by operating activities:    
Net amortization of investment securities (21) (60)
Stock dividends received on correspondent bank stock (437) (334)
Provision for credit losses 4,110 2,907
Net gain on loans held for sale (222) (117)
Net gain on mortgage loans (3,648) (4,535)
Origination of mortgage loans held for sale (247,998) (270,136)
Proceeds from mortgage loans 254,781 268,733
Depreciation and amortization 2,010 1,909
Net amortization of purchase accounting adjustments 412 204
Deferred income tax expense 174 (3,187)
Purchase of solar tax credits (945) 0
Gain (Loss) due to Increase (Decrease) in Cash Surrender Value of Company-Owned Life (338) (319)
Stock-based compensation 1,620 1,149
Net gain on other real estate owned (459) 0
Unrealized gain recognized on equity securities (20) (16)
Proceeds (Payments) From Change In Fair Value Of Loans Accounted For Under The Fair Value Option (50) 850
Net changes in operating assets and liabilities:    
Change in accounts receivable (55) 310
Change in accrued interest receivable and other assets (1,417) 170
Change in accrued interest payable and other liabilities (8,418) 1,765
Net Cash Provided by (Used in) Operating Activities, Total 8,953 5,018
Activity in available-for-sale debt securities:    
Maturities, prepayments, and calls 553 0
Purchases (49,947) 0
Activity in held-to-maturity debt securities:    
Maturities, prepayments, and calls 6,669 6,488
Purchases (28,946) (8,783)
Purchases of correspondent bank stock (5,259) (6,866)
Redemption of correspondent bank stock 5,079 8,609
Contributions to low-income housing tax credit investments (1,442) (537)
Loan and note receivable originations and principal collections, net (161,717) 106,458
Purchases of premises and equipment (2,685) (835)
Proceeds from Sale, Loan and Lease, Held-for-Investment 0 3,470
Purchases of loans (4,600) 0
Proceeds from sale of other real estate owned 31,999 0
Net cash (used in) provided by investing activities (210,296) 108,004
Cash flows from financing activities    
Net change in deposits 334,702 (25,985)
Payments to Federal Home Loan Bank borrowings (179,734) (483,624)
Proceeds from Federal Home Loan Bank borrowings 174,734 442,449
Payments to Federal Reserve borrowings (1,171) (82,296)
Proceeds from Federal Reserve borrowings 0 60,133
Payments to subordinated note holders (8,000) 0
Repurchase of common stock (784) (89)
Cash paid for withholding taxes on share-based awards (706) (680)
Net cash provided by (used in) financing activities 319,041 (90,092)
Net change in cash and cash equivalents 117,698 22,930
Cash and cash equivalents, beginning of year 237,941 255,192
Cash and cash equivalents, end of period 355,639 278,122
Supplemental cash flow information:    
Interest paid on deposits and borrowed funds 62,998 67,580
Income tax payment 0 93
Cash paid for lease liabilities 2,591 2,617
Supplemental noncash disclosures:    
Transfer (to) from loans held for investment (from) to loans held for sale (594) 3,722
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability 1,895 11,882
CECL adoption $ 0 $ 27,390