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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Cash flows from operating activities    
Net income $ 13,188 $ 8,473
Adjustments to reconcile net income to net cash (used in) provided by operating activities:    
Net amortization of investment securities 15 (75)
Stock dividends received on correspondent bank stock (576) (463)
Provision for credit losses 5,025 1,933
Net (gain) loss on loans held for sale (222) 105
Net gain on mortgage loans (4,443) (4,912)
Origination of mortgage loans held for sale (378,685) (383,307)
Proceeds from mortgage loans 367,628 369,629
Loss on disposal of fixed assets 43 0
Depreciation and amortization 2,636 2,565
Net amortization of purchase accounting adjustments 621 138
Deferred income tax (benefit) expense (770) 3,123
Purchase of solar tax credits (1,165) 0
Income on company-owned life insurance (455) (431)
Stock-based compensation 2,173 1,486
Provision for other real estate owned 1,349 1,107
Net gain on other real estate owned (459) 0
Unrealized (gain) loss recognized on equity securities (14) 33
Net (gain) loss on loans accounted for under the fair value option (6) 999
Net changes in operating assets and liabilities:    
Change in accounts receivable (18) 550
Change in accrued interest receivable and other assets 1,711 480
Change in accrued interest payable and other liabilities (9,375) (827)
Net cash (used in) provided by operating activities (1,799) 606
Activity in available-for-sale debt securities:    
Maturities, prepayments, and calls 4,376 0
Purchases (49,947) 0
Activity in held-to-maturity debt securities:    
Maturities, prepayments, and calls 13,367 8,736
Purchases (32,446) (9,782)
Purchases of correspondent bank stock (5,591) (6,865)
Redemption of correspondent bank stock 5,267 8,619
Contributions to low-income housing tax credit investments (1,673) (803)
Loan and note receivable originations and principal collections, net (217,982) 85,426
Purchases of premises and equipment (3,970) (1,213)
Proceeds from sale of loans 0 5,582
Purchase of loans (7,838) (23,259)
Proceeds from sale of other real estate owned 31,999 0
Net cash (used in) provided by investing activities (264,438) 66,441
Cash flows from financing activities    
Net change in deposits 232,366 (14,830)
Payments to Federal Home Loan Bank borrowings (179,734) (276,201)
Proceeds from Federal Home Loan Bank borrowings 187,066 240,026
Payments to Federal Reserve borrowings (1,529) (42,498)
Proceeds from Federal Reserve borrowings 0 10,000
Payments to subordinated note holders (8,000) 0
Repurchase of common stock (784) (89)
Cash paid for withholding taxes on exercised stock options (6) 0
Cash paid for withholding taxes on share-based awards (802) (706)
Net cash provided by (used in) financing activities 228,577 (84,298)
Net change in cash and cash equivalents (37,660) (17,251)
Cash and cash equivalents, beginning of year 237,941 255,192
Cash and cash equivalents, end of period 200,281 237,941
Supplemental cash flow information:    
Interest paid on deposits and borrowed funds 85,119 90,125
Income tax payment 0 93
Cash paid for lease liabilities 3,090 3,576
Supplemental noncash disclosures:    
Transfer (to) from loans held for investment (from) to loans held for sale (594) 5,834
Lease right-of-use-asset obtained in exchange for lease liabilities 4,160 12,619
Transfers from loans, net of participations, to other real estate owned $ 0 $ 27,390