CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 127,676	$ 91,216
Available-for-sale debt securities, at fair value	199,205	194,250
Other investments	16,367	16,276
Loans held for sale	6,485	1,795
Loans receivable, net of allowance for credit losses of $22,760 and $21,993 as of June 30, 2024 and December 31, 2023, respectively	1,847,346	1,743,852
Premises and equipment, net	4,716	5,248
Accrued interest receivable	8,555	8,259
Servicing assets	11,043	11,741
Company owned life insurance	22,566	22,233
Deferred tax assets, net	14,117	13,309
Other real estate owned	1,237	0
Operating right-of-use assets	8,348	8,497
Other assets	23,019	31,054
Total assets	2,290,680	2,147,730
Deposits:
Noninterest-bearing	518,456	522,751
Interest-bearing:
Money market and others	332,137	399,018
Time deposits greater than $250	533,857	433,892
Other time deposits	556,371	451,897
Total deposits	1,940,821	1,807,558
Federal Home Loan Bank advances	115,000	105,000
Accrued interest payable	15,504	12,628
Operating lease liabilities	9,000	9,341
Other liabilities	14,369	20,577
Total liabilities	2,094,694	1,955,104
Shareholders’ equity
Preferred stock no par value; 10,000,000 shares authorized; no shares issued or outstanding as of June 30, 2024 and December 31, 2023	0	0
Common stock – no par value; 50,000,000 shares authorized as of June 30, 2024 and December 31, 2023; 14,816,281 and 15,000,436 shares issued and outstanding as of June 30, 2024 and December 31, 2023, respectively	73,749	76,280
Additional paid-in capital	11,441	10,942
Retained earnings	127,929	120,855
Accumulated other comprehensive loss	(17,133)	(15,451)
Total shareholders’ equity	195,986	192,626
Total liabilities and shareholders' equity	$ 2,290,680	$ 2,147,730