CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
ASSETS
Cash and cash equivalents	$ 198,861	$ 134,943
Available-for-sale debt securities, at fair value	182,480	185,909
Other investments	16,517	16,437
Loans held for sale	4,555	4,581
Loans receivable, net of allowance for credit losses of $25,368 and $24,796 as of March 31, 2025 and December 31, 2024, respectively	2,018,517	1,932,056
Premises and equipment, net	6,526	5,449
Accrued interest receivable	9,871	9,188
Servicing assets	10,848	10,834
Company owned life insurance	23,084	22,912
Deferred tax assets, net	13,183	14,893
Other real estate owned	1,237	1,237
Operating right-of-use assets	6,930	7,415
Other assets	20,362	20,159
Total assets	2,512,971	2,366,013
Deposits:
Noninterest-bearing	552,797	504,928
Interest-bearing:
Money market and others	385,080	329,095
Time deposits greater than $250	610,783	565,813
Other time deposits	641,211	627,449
Total deposits	2,189,871	2,027,285
Federal Home Loan Bank advances	75,000	95,000
Accrued interest payable	14,994	16,067
Operating lease liabilities	9,193	7,857
Other liabilities	13,824	14,811
Total liabilities	2,302,882	2,161,020
Shareholders’ equity
Preferred stock no par value; 10,000,000 shares authorized; no shares issued or outstanding as of March 31, 2025 and December 31, 2024	0	0
Common stock – no par value; 50,000,000 shares authorized as of March 31, 2025 and December 31, 2023; 14,914,261 and 14,819,866 shares issued and outstanding as of March 31, 2025 and December 31, 2024, respectively	73,697	73,697
Additional paid-in capital	11,371	11,928
Retained earnings	138,563	134,781
Accumulated other comprehensive loss	(13,542)	(15,413)
Total shareholders’ equity	210,089	204,993
Total liabilities and shareholders' equity	$ 2,512,971	$ 2,366,013