Consolidated Statements of Income (Loss) - USD ($)		12 Months Ended
		Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Interest Income
Interest and fees on loans	[1]	$ 125,177,000	$ 116,482,000	$ 79,045,000
Interest and dividends on investments securities
U.S. government agencies and corporations		151,000	0	37,000
Mortgage-backed securities		374,000	395,000	438,000
Other		912,000	1,185,000	874,000
Interest on federal funds sold		6,652,000	5,038,000	2,312,000
Total Interest Income		134,615,000	124,421,000	84,018,000
Interest Expense
Interest on interest bearing demand deposits		8,661,000	1,786,000	494,000
Interest on savings and NOW deposits		754,000	546,000	203,000
Interest on money market deposits		21,386,000	13,631,000	1,380,000
Interest on time deposits		37,364,000	26,905,000	8,009,000
Interest on federal funds purchased		575,000	299,000	0
Interest on Federal Home Loan Bank advances		46,000	1,224,000	347,000
Interest on subordinated debt		3,255,000	3,288,000	2,936,000
Total Interest Expense		72,041,000	47,679,000	13,369,000
Net Interest Income		62,574,000	76,742,000	70,649,000
Provision For Credit Losses - Loans		7,485,000	1,943,000	2,398,000
Recovery of Credit Losses - Off-Balance Sheet Credit Exposure		(722,000)	(301,000)	0
Net interest income after provision for (recovery of) credit losses		55,811,000	75,100,000	68,251,000
Non-Interest Income
Deposit account service charges		1,996,000	2,149,000	2,420,000
Bank owned life insurance income		1,189,000	1,069,000	1,008,000
Loan swap fee income		0	0	619,000
Net gain (loss) on securities called or matured		(48,000)	0	4,000
Net loss on sale of loans		0	0	(168,000)
Other fee income		115,000	122,000	778,000
Total Non-Interest Income		3,252,000	3,340,000	4,661,000
Non-Interest Expense
Salaries and employee benefits		30,475,000	28,267,000	23,801,000
Furniture and equipment expenses		3,636,000	2,787,000	2,786,000
Advertising and marketing		2,199,000	2,343,000	2,304,000
Occupancy expenses		1,614,000	1,684,000	1,471,000
Outside services		3,627,000	2,044,000	2,075,000
Franchise tax		2,226,000	1,835,000	1,430,000
FDIC insurance		1,342,000	1,131,000	637,000
Data processing		1,354,000	1,328,000	1,303,000
Administrative expenses		929,000	922,000	872,000
Other real estate expenses, net		0	0	38,000
Other operating expenses		5,844,000	3,275,000	2,807,000
Total Non-Interest Expense		72,967,000	45,616,000	39,524,000
Income (Loss) before income taxes		(13,904,000)	32,824,000	33,388,000
Income Tax Expense (Benefit)		(3,924,000)	6,239,000	6,714,000
Net Income (Loss)		(9,980,000)	26,585,000	26,674,000
Preferred Stock Dividends		2,156,000	2,156,000	2,156,000
Net Income (Loss) available to common shareholders		$ (12,136,000)	$ 24,429,000	$ 24,518,000
Earnings (loss) per common share:
Basic (in dollars per share)		$ (1.6)	$ 3.25	$ 3.26
Diluted (in dollars per share)		$ (1.6)	$ 3.25	$ 3.26
Computer Software and Related Prepaid Assets [Member]
Non-Interest Expense
Computer software intangible impairment		$ 19,721,000	$ 0	$ 0
US States and Political Subdivisions Debt Securities [Member]
Interest and dividends on investments securities
Tax-exempt securities		1,093,000	1,065,000	1,058,000
Taxable securities		$ 256,000	$ 256,000	$ 254,000

[1] Includes transfer pricing on average deposits outstanding for the period