Consolidated Balance Sheet - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 13,175	$ 9,408
Interest-bearing deposits at other financial institutions	32,603	23,371
Total cash and cash equivalents	45,778	32,779
Certificates of deposit at other financial institutions	20,902	22,074
Securities available-for-sale, at fair value	126,057	97,205
Loans held for sale, at fair value	69,699	51,195
Loans receivable, net	1,336,346	1,312,519
Accrued interest receivable	5,908	5,761
Premises and equipment, net	28,770	29,110
Operating lease right-of-use ("ROU") assets	5,016
Federal Home Loan Bank ("FHLB") stock, at cost	8,045	9,887
Other real estate owned ("OREO")	168	689
Bank owned life insurance ("BOLI"), net	35,356	34,485
Servicing rights, held at the lower of cost or fair value	11,560	10,429
Goodwill	2,312	2,312
Core deposit intangible, net	5,457	6,217
Other assets	11,682	6,982
TOTAL ASSETS	1,713,056	1,621,644
LIABILITIES
Noninterest-bearing accounts	273,602	234,532
Interest-bearing accounts	1,118,806	1,039,687
Total deposits	1,392,408	1,274,219
Borrowings	84,864	137,149
Principal amount	10,000	10,000
Unamortized debt issuance costs	(115)	(135)
Total subordinated note less unamortized debt issuance costs	9,885	9,865
Operating lease liabilities	5,214
Deferred tax liability, net	1,971	361
Other liabilities	18,472	20,012
Total liabilities	1,512,814	1,441,606
COMMITMENTS AND CONTINGENCIES (NOTE 10)
STOCKHOLDERS' EQUITY
Preferred stock, $.01 par value; 5,000,000 shares authorized; none issued or outstanding
Common stock, $.01 par value; 45,000,000 shares authorized; 4,459,041 and 4,492,478 shares issued and outstanding at December 31, 2019 and December 31, 2018, respectively	44	45
Additional paid-in capital	89,268	91,466
Retained earnings	110,715	90,854
Accumulated other comprehensive income (loss), net of tax	788	(1,479)
Unearned shares - Employee Stock Ownership Plan ("ESOP")	(573)	(848)
Total stockholders' equity	200,242	180,038
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,713,056	$ 1,621,644