CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 134,943	$ 91,216
Available-for-sale debt securities, at fair value	185,909	194,250
Other investments	16,437	16,276
Loans held for sale	4,581	1,795
Loans receivable, net of allowance for credit losses of $24,796 and $21,993 as of December 31, 2024 and 2023, respectively	1,932,056	1,743,852
Premises and equipment, net	5,449	5,248
Accrued interest receivable	9,188	8,259
Servicing assets	10,834	11,741
Company owned life insurance	22,912	22,233
Deferred tax assets, net	14,893	13,309
Other real estate owned	1,237	0
Operating right-of-use assets	7,415	8,497
Other assets	20,159	31,054
Total assets	2,366,013	2,147,730
Deposits:
Noninterest-bearing	504,928	522,751
Interest-bearing:
Money market and others	329,095	399,018
Time deposits greater than $250	565,813	433,892
Other time deposits	627,449	451,897
Total deposits	2,027,285	1,807,558
Federal Home Loan Bank advances	95,000	105,000
Accrued interest payable	16,067	12,628
Operating lease liabilities	7,857	9,341
Other liabilities	14,811	20,577
Total liabilities	2,161,020	1,955,104
Shareholders’ equity
Preferred stock no par value; 10,000,000 shares authorized; no shares issued or outstanding as of December 31, 2024 and 2023	0	0
Common stock – no par value; 50,000,000 shares authorized as of December 31, 2024 and 2023; 14,819,866 and 15,000,436 shares issued and outstanding as of December 31, 2024 and 2023, respectively	73,697	76,280
Additional paid-in capital	11,928	10,942
Retained earnings	134,781	120,855
Accumulated other comprehensive loss	(15,413)	(15,451)
Total shareholders’ equity	204,993	192,626
Total liabilities and shareholders' equity	$ 2,366,013	$ 2,147,730