CONDENSED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 147,663	$ 165,209
Securities available for sale, at fair value	211,460	122,107
Securities held-to-maturity, at cost (fair value $65,110 and $69,116, at September 30, 2024 and December 31, 2023, respectively)	70,794	77,001
Securities, restricted, at cost	3,034	2,928
Loans held for investment	1,297,443	1,207,413
Less: allowance for credit losses	(19,451)	(16,631)
Loans, net of allowance	1,277,992	1,190,782
Premises and equipment, net	2,610	2,602
Accrued interest receivable	9,712	9,130
Other assets	59,209	47,117
Total assets	1,782,474	1,616,876
Deposits:
Demand	539,434	473,274
Savings, NOW and money market	982,816	926,264
Time Deposits	14,145	7,761
Total deposits	1,536,395	1,407,299
Accrued expenses and other liabilities	13,511	11,022
Total liabilities	1,549,906	1,418,321
Stockholders' equity:
Common stock, par value $0.01; authorized 15,000,000 shares; 8,399,713 and 8,361,185 shares issued, respectively; and 8,320,317 and 8,287,848 shares outstanding, respectively	84	84
Additional paid-in capital	102,936	99,713
Retained earnings	142,434	114,261
Accumulated other comprehensive loss	(10,319)	(13,235)
Treasury stock at cost, 79,396 and 73,337 shares, respectively	(2,567)	(2,268)
Total stockholders' equity	232,568	198,555
Total liabilities and stockholders' equity	$ 1,782,474	$ 1,616,876