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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Cash flows from operating activities    
Net income $ 11,937 $ 6,688
Adjustments to reconcile net income to net cash provided by operating activities:    
Net amortization of investment securities 71 (28)
Stock dividends received on correspondent bank stock (278) (283)
(Release of) provision for credit losses (1,197) 1,853
Net gain on loans held for sale 0 (222)
Net gain on mortgage loans (2,364) (2,254)
Origination of mortgage loans held for sale (245,675) (162,424)
Proceeds from mortgage loans 263,285 166,042
Loss on disposal of fixed assets 380 0
Depreciation and amortization 1,293 1,365
Net amortization of purchase accounting adjustments 360 222
Deferred income tax expense 612 253
Purchase of solar tax credits 0 (945)
Income on company-owned life insurance (235) (222)
Stock-based compensation 1,519 930
Net loss (gain) on other real estate owned 7 (459)
Unrealized loss (gain) recognized on equity securities 6 (14)
Net loss (gain) on loans accounted for under the fair value option 29 (32)
Net changes in operating assets and liabilities:    
Change in accounts receivable (178) 103
Change in accrued interest receivable and other assets 587 1,281
Change in accrued interest payable and other liabilities (2,722) (12,926)
Net cash provided by (used in) operating activities 27,437 (1,072)
Activity in available-for-sale debt securities:    
Maturities, prepayments, and calls 7,732 0
Purchases (51,964) 0
Activity in held-to-maturity debt securities:    
Maturities, prepayments, and calls 9,701 4,006
Purchases (31,375) (27,946)
Purchases of correspondent bank stock (3,609) (5,247)
Redemption of correspondent bank stock 4,956 140
Contributions to low-income housing tax credit investments (539) (959)
Loan and note receivable originations and principal collections, net (61,553) (112,888)
Purchases of premises and equipment (1,550) (1,616)
Purchases of loans 0 (2,329)
Proceeds from sale of other real estate owned 3,033 32,003
Net cash used in investing activities (125,168) (114,836)
Cash flows from financing activities    
Net change in deposits 99,389 14,920
Payments to Federal Home Loan Bank borrowings (204,003) (67,603)
Proceeds from Federal Home Loan Bank borrowings 178,101 174,734
Payments to Federal Reserve borrowings (508) (753)
Payments to subordinated note holders 0 (8,000)
Repurchase of common stock (146) (483)
Cash paid for withholding taxes on share-based awards (497) (634)
Net cash provided by financing activities 72,336 112,181
Net change in cash and cash equivalents (25,395) (3,727)
Cash and cash equivalents, beginning of year 200,281 236,041
Cash and cash equivalents, end of period 174,886 232,314
Supplemental cash flow information:    
Interest paid on deposits and borrowed funds 40,363 39,961
Income tax payment 18 0
Cash paid for lease liabilities 1,052 1,845
Supplemental noncash disclosures:    
Transfer to loans held for investment from loans held for sale 0 (594)
Lease right-of-use-asset obtained in exchange for lease liabilities $ 0 $ 1,758