CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 166,756	$ 91,216
Available-for-sale debt securities, at fair value	199,373	194,250
Other investments	16,520	16,276
Loans held for sale	8,160	1,795
Loans receivable, net of allowance for credit losses of $22,960 and $21,993 as of September 30, 2024 and December 31, 2023, respectively	1,908,047	1,743,852
Premises and equipment, net	4,961	5,248
Accrued interest receivable	9,479	8,259
Servicing assets	10,877	11,741
Company owned life insurance	22,739	22,233
Deferred tax assets, net	12,288	13,309
Other real estate owned	1,237	0
Operating right-of-use assets	7,870	8,497
Other assets	19,673	31,054
Total assets	2,387,980	2,147,730
Deposits:
Noninterest-bearing	561,801	522,751
Interest-bearing:
Money market and others	343,188	399,018
Time deposits greater than $250	564,547	433,892
Other time deposits	595,067	451,897
Total deposits	2,064,603	1,807,558
Federal Home Loan Bank advances	75,000	105,000
Accrued interest payable	19,483	12,628
Operating lease liabilities	8,417	9,341
Other liabilities	16,874	20,577
Total liabilities	2,184,377	1,955,104
Shareholders’ equity
Preferred stock no par value; 10,000,000 shares authorized; no shares issued or outstanding as of September 30, 2024 and December 31, 2023	0	0
Common stock – no par value; 50,000,000 shares authorized as of September 30, 2024 and December 31, 2023; 14,811,671 and 15,000,436 shares issued and outstanding as of September 30, 2024 and December 31, 2023, respectively	73,697	76,280
Additional paid-in capital	11,713	10,942
Retained earnings	131,588	120,855
Accumulated other comprehensive loss	(13,395)	(15,451)
Total shareholders’ equity	203,603	192,626
Total liabilities and shareholders' equity	$ 2,387,980	$ 2,147,730