Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 12,928	$ 13,175
Interest-bearing deposits at other financial institutions	35,993	32,603
Total cash and cash equivalents	48,921	45,778
Certificates of deposit at other financial institutions	17,926	20,902
Securities available-for-sale, at fair value	156,466	126,057
Loans held for sale, at fair value	115,632	69,699
Loans receivable, net	1,393,070	1,336,346
Accrued interest receivable	6,326	5,908
Premises and equipment, net	28,655	28,770
Operating lease right-of-use ("ROU") assets	4,692	5,016
Federal Home Loan Bank ("FHLB") stock, at cost	10,921	8,045
Other real estate owned ("OREO")	90	168
Bank owned life insurance ("BOLI"), net	35,572	35,356
Servicing rights, held at the lower of cost or fair value	10,626	11,560
Goodwill	2,312	2,312
Core deposit intangible, net	5,281	5,457
Other assets	10,678	11,682
TOTAL ASSETS	1,847,168	1,713,056
LIABILITIES
Noninterest-bearing accounts	285,566	273,602
Interest-bearing accounts	1,160,703	1,118,806
Total deposits	1,446,269	1,392,408
Borrowings	159,114	84,864
Principal amount	10,000	10,000
Unamortized debt issuance costs	(110)	(115)
Total subordinated note less unamortized debt issuance costs	9,890	9,885
Operating lease liabilities	4,898	5,214
Deferred tax liability, net	2,260	1,971
Other liabilities	23,908	18,472
Total liabilities	1,646,339	1,512,814
COMMITMENTS AND CONTINGENCIES (NOTE 10)
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; 4,332,196 and 4,459,041 shares issued and outstanding at March 31, 2020 and December 31, 2019, respectively	43	44
Additional paid-in capital	84,517	89,268
Retained earnings	114,957	110,715
Accumulated other comprehensive income, net of tax	1,819	788
Unearned shares - Employee Stock Ownership Plan ("ESOP")	(507)	(573)
Total stockholders' equity	200,829	200,242
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,847,168	$ 1,713,056