CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 11,541	$ 12,043
Interest-bearing deposits at other financial institutions	148,256	14,448
Total cash and cash equivalents	159,797	26,491
Certificates of deposit at other financial institutions	4,960	10,542
Securities available-for-sale, at fair value	227,942	271,359
Securities held-to-maturity, net of allowance for credit losses of $31 and none, respectively (fair value of $7,950 and $8,128, respectively)	8,469	7,500
Loans held for sale, at fair value	23,447	125,810
Loans receivable, net (includes $14,198 and $16,083, at fair value, respectively)	2,083,929	1,728,540
Accrued interest receivable	10,407	7,594
Premises and equipment, net	25,438	26,591
Operating lease right-of-use ("ROU") assets	6,607	4,557
Federal Home Loan Bank ("FHLB") stock, at cost	13,591	4,778
Other real estate owned ("OREO")	145
Deferred tax asset, net	6,571
Bank owned life insurance ("BOLI"), net	36,578	37,092
Servicing rights, held at the lower of cost or fair value	18,470	16,970
Goodwill	2,312	2,312
Core deposit intangible, net	3,542	4,060
Other assets	19,933	12,195
TOTAL ASSETS	2,652,138	2,286,391
LIABILITIES
Noninterest-bearing accounts	581,612	580,749
Interest-bearing accounts	1,501,726	1,334,995
Total deposits	2,083,338	1,915,744
Borrowings	260,828	42,528
Principal amount	50,000	50,000
Unamortized debt issuance costs	(556)	(606)
Total subordinated notes less unamortized debt issuance costs	49,444	49,394
Operating lease liabilities	6,836	4,792
Deferred tax liability, net		1,183
Other liabilities	31,145	25,243
Total liabilities	2,431,591	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; 7,704,373 and 8,169,887 shares issued and outstanding at September 30, 2022 and December 31, 2021, respectively	77	82
Additional paid-in capital	53,769	67,958
Retained earnings	195,986	179,215
Accumulated other comprehensive (loss) income, net of tax	(29,285)	252
Total stockholders' equity	220,547	247,507
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,652,138	$ 2,286,391