Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 13,572	$ 17,808
Interest-bearing deposits in other financial institutions	243,810	128,420
Total cash and cash equivalents	257,382	146,228
Securities available-for-sale, at fair value	128,982	97,566
Preferred stock, 10,000,000 shares authorized, no par value, no issued and outstanding shares	0	20,154
Total investment securities	128,982	117,720
Loans held-for-sale	30,878	1,975
Loans held-for-investment, net of deferred loan costs (fees)	1,578,804	1,450,831
Allowance for loan losses	(24,546)	(14,380)
Net loans held-for-investment	1,554,258	1,436,451
Premises and equipment, net	4,355	3,760
Federal Home Loan Bank and other restricted stock, at cost	8,447	8,345
Other real estate owned, net	376	0
Deferred tax assets, net	7,454	5,288
Servicing assets	6,166	6,798
Operating lease assets	7,329	8,991
Accrued interest receivable	11,246	5,136
Other assets	4,314	5,636
Total assets	2,021,187	1,746,328
Deposits:
Noninterest-bearing demand	576,086	360,039
Savings, NOW and money market accounts	407,790	362,179
Time deposits of $250,000 or less	406,023	467,363
Time deposits of more than $250,000	257,208	289,726
Total deposits	1,647,107	1,479,307
Federal Home Loan Bank advances	130,000	20,000
Operating lease liabilities	8,204	9,990
Accrued interest payable and other liabilities	6,537	10,197
Total liabilities	1,791,848	1,519,494
Commitments and contingencies
Preferred stock, 10,000,000 shares authorized, no par value, no issued and outstanding shares	0	0
Common stock, 60,000,000 shares authorized, no par value; 15,379,538 and 15,707,016 shares issued and outstanding, respectively, and included 30,300 and 37,400 shares of unvested restricted stock, respectively, at September 30, 2020 and December 31, 2019	163,960	169,221
Retained earnings	63,443	57,670
Accumulated other comprehensive income (loss), net	1,936	(57)
Total shareholders’ equity	229,339	226,834
Total liabilities and shareholders’ equity	$ 2,021,187	$ 1,746,328