CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 12,708	$ 12,043
Interest-bearing deposits at other financial institutions	15,951	14,448
Total cash and cash equivalents	28,659	26,491
Certificates of deposit at other financial institutions	4,960	10,542
Securities available-for-sale, at fair value	247,832	271,359
Securities held-to-maturity, net of allowance for credit losses of $31 and none, respectively (fair value of $8,342 and $8,128, respectively)	8,469	7,500
Loans held for sale, at fair value	34,989	125,810
Loans receivable, net (includes $14,863 and $16,083, at fair value, respectively)	1,946,072	1,728,540
Accrued interest receivable	8,553	7,594
Premises and equipment, net	25,740	26,591
Operating lease right-of-use ("ROU") assets	4,850	4,557
Federal Home Loan Bank ("FHLB") stock, at cost	6,295	4,778
Deferred tax asset, net	4,709
Other real estate owned ("OREO")	145
Bank owned life insurance ("BOLI"), net	37,106	37,092
Servicing rights, held at the lower of cost or fair value	18,516	16,970
Goodwill	2,312	2,312
Core deposit intangible, net	3,715	4,060
Other assets	16,317	12,195
TOTAL ASSETS	2,399,239	2,286,391
LIABILITIES
Noninterest-bearing accounts	588,364	580,749
Interest-bearing accounts	1,427,736	1,334,995
Total deposits	2,016,100	1,915,744
Borrowings	78,028	42,528
Principal amount	50,000	50,000
Unamortized debt issuance costs	(573)	(606)
Total subordinated notes less unamortized debt issuance costs	49,427	49,394
Operating lease liabilities	5,081	4,792
Deferred tax liability, net		1,183
Other liabilities	27,962	25,243
Total liabilities	2,176,598	2,038,884
COMMITMENTS AND CONTINGENCIES (NOTE 9)
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;7,726,232 and 8,169,887 shares issued and outstanding at June 30, 2022 and December 31, 2021, respectively	77	82
Additional paid-in capital	55,129	67,958
Retained earnings	189,075	179,215
Accumulated other comprehensive (loss) income, net of tax	(21,640)	252
Total stockholders' equity	222,641	247,507
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,399,239	$ 2,286,391