BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 7,654	$ 5,795
Interest-bearing deposits at other financial institutions	285,890	81,313
Total cash and cash equivalents	293,544	87,108
Securities available for sale, at fair value (amortized cost of $256,444 and $269,378, respectively)	244,031	249,898
Derivative assets	328	184
Loans held for sale, at fair value	36,551	22,576
Loans held for investment	730,295	665,684
Less: allowance for credit losses	(5,824)	(6,203)
Loans held for investment, net	724,471	659,481
Federal Home Loan Bank stock, at cost	4,288	4,106
Bank owned life insurance	14,897	14,640
Accrued interest receivable	5,515	5,506
Premises and equipment, net	53,032	51,455
Other real estate owned	2,362	815
Goodwill	5,786	5,786
Mortgage servicing rights	1,062	2,231
Prepaid expenses	3,681	2,518
Other assets	18,132	18,628
Total assets	1,407,680	1,124,932
Deposits:
Non-interest bearing	384,110	142,032
Interest bearing	621,926	627,256
Total deposits	1,006,036	769,288
Advances by borrowers for taxes and insurance	7,229	11,774
Other borrowings	214,000	172,200
Accrued interest payable	4,701	524
Other liabilities	14,247	14,409
Total liabilities	1,246,213	968,195
Equity:
Retained earnings	171,273	172,126
Accumulated other comprehensive income (loss)	(9,806)	(15,389)
Total equity	161,467	156,737
Total liabilities and equity	$ 1,407,680	$ 1,124,932