CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 139,246	$ 91,216
Available-for-sale debt securities, at fair value	187,225	194,250
Other investments	16,264	16,276
Loans held for sale	16,075	1,795
Loans receivable, net of allowance for credit losses of $22,129 and $21,993 as of March 31, 2024 and December 31, 2023, respectively	1,782,858	1,743,852
Premises and equipment, net	4,971	5,248
Accrued interest receivable	8,370	8,259
Servicing assets	11,405	11,741
Company owned life insurance	22,399	22,233
Deferred tax assets, net	13,802	13,309
Other real estate owned	1,237	0
Operating right-of-use assets	8,864	8,497
Other assets	21,804	31,054
Total assets	2,234,520	2,147,730
Deposits:
Noninterest-bearing	539,396	522,751
Interest-bearing:
Money market and others	327,718	399,018
Time deposits greater than $250	451,497	433,892
Other time deposits	576,800	451,897
Total deposits	1,895,411	1,807,558
Federal Home Loan Bank advances	105,000	105,000
Accrued interest payable	12,270	12,628
Operating lease liabilities	9,614	9,341
Other liabilities	17,500	20,577
Total liabilities	2,039,795	1,955,104
Shareholders’ equity
Preferred stock no par value; 10,000,000 shares authorized; no shares issued or outstanding as of March 31, 2024 and December 31, 2023	0	0
Common stock – no par value; 50,000,000 shares authorized as of March 31, 2024 and December 31, 2023; 14,982,555 and 15,000,436 shares issued and outstanding as of March 31, 2024 and December 31, 2023, respectively	75,957	76,280
Additional paid-in capital	11,240	10,942
Retained earnings	124,280	120,855
Accumulated other comprehensive loss	(16,752)	(15,451)
Total shareholders’ equity	194,725	192,626
Total liabilities and shareholders' equity	$ 2,234,520	$ 2,147,730