CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 16,592	$ 12,267
Interest-bearing deposits with banks	188,796	122,676
Cash and cash equivalents	205,388	134,943
Available-for-sale ("AFS") debt securities, at fair value	175,000	185,909
Other investments	17,101	16,437
Loans held-for-sale	20,016	4,581
Net loans (net of allowance for credit losses on loans of $26,286 and $24,796)	2,045,294	1,932,056
Premises and equipment, net	6,852	5,449
Accrued interest receivable	9,991	9,188
Servicing assets	10,572	10,834
Company owned life insurance	23,259	22,912
Deferred tax assets, net	12,633	14,893
Other real estate owned ("OREO")	1,237	1,237
Operating right-of-use assets	9,887	7,415
Other assets	26,365	20,159
TOTAL ASSETS	2,563,595	2,366,013
Deposits:
Noninterest-bearing	565,683	504,928
Interest-bearing:
Money market and others	431,252	329,095
Time deposits greater than $250	643,350	565,813
Other time deposits	614,443	627,449
Total deposits	2,254,728	2,027,285
Federal Home Loan Bank ("FHLB") advances	50,000	95,000
Accrued interest payable	15,720	16,067
Operating lease liabilities	12,243	7,857
Other liabilities	17,186	14,811
Total liabilities	2,349,877	2,161,020
SHAREHOLDERS' EQUITY
Preferred stock – no par value; 10,000,000 shares authorized; no shares issued or outstanding	0	0
Common stock – no par value; 50,000,000 shares authorized; 14,885,614 and 14,819,866 shares issued and outstanding	72,984	73,697
Additional paid-in capital	11,484	11,928
Retained earnings	143,114	134,781
Accumulated other comprehensive loss, net of tax	(13,864)	(15,413)
Total shareholders’ equity	213,718	204,993
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 2,563,595	$ 2,366,013