Consolidated Balance Sheet - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 9,408	$ 3,043
Interest-bearing deposits at other financial institutions	23,371	15,872
Total cash and cash equivalents	32,779	18,915
Certificates of deposit at other financial institutions	22,074	18,108
Securities available-for-sale, at fair value	97,205	82,480
Loans held for sale, at fair value	51,195	53,463
Loans receivable, net	1,312,519	761,558
Accrued interest receivable	5,761	3,566
Premises and equipment, net	29,110	15,458
Federal Home Loan Bank (FHLB) stock, at cost	9,887	2,871
Other real estate owned (OREO)	689	0
Bank owned life insurance (BOLI), net	34,485	10,328
Servicing rights, held at the lower of cost or fair value	10,429	6,795
Goodwill	2,312	2,312
Core deposit intangible, net	6,217	1,317
Other assets	6,982	4,612
TOTAL ASSETS	1,621,644	981,783
LIABILITIES
Noninterest-bearing accounts	234,532	186,890
Interest-bearing accounts	1,039,687	642,952
Total deposits	1,274,219	829,842
Borrowings	137,149	7,529
Principal amount	10,000	10,000
Unamortized debt issuance costs	(135)	(155)
Total subordinated note less unamortized debt issuance costs	9,865	9,845
Deferred tax liability, net	361	607
Other liabilities	20,012	11,958
Total liabilities	1,441,606	859,781
COMMITMENTS AND CONTINGENCIES (NOTE 12)
STOCKHOLDERS' EQUITY
Preferred stock, $.01 par value; 5,000,000 shares authorized; none issued or outstanding	0	0
Common stock, $.01 par value; 45,000,000 shares authorized; 4,492,478 and 3,680,152 shares issued and outstanding at December 31, 2018 and December 31, 2017, respectively	45	37
Additional paid-in capital	91,466	55,135
Retained earnings	90,854	68,422
Accumulated other comprehensive loss, net of tax	(1,479)	(475)
Unearned shares - Employee Stock Ownership Plan ("ESOP")	(848)	(1,117)
Total stockholders' equity	180,038	122,002
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,621,644	$ 981,783