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Condensed Consolidated Statements of Financial Condition - USD ($)
$ in Thousands
Sep. 30, 2021
Dec. 31, 2020
Assets    
Cash and due from banks $ 49,946 $ 56,006
Interest bearing deposits 75,675 62,699
Cash and Cash Equivalents 125,621 118,705
Securities available for sale 1,348,378 1,072,159
Federal Home Loan Bank and Federal Reserve Bank stock, at cost 18,427 18,427
Loans held for sale, carried at fair value 78,731 92,434
Loans    
Loans 2,883,978  
Allowance for credit losses [1] (46,799)  
Net Loans 2,837,179  
Loans    
Loans [1]   2,733,678
Allowance for credit losses [1]   (35,429)
Net Loans   2,698,249
Other real estate and repossessed assets, net 224 766
Property and equipment, net 36,623 36,127
Bank-owned life insurance 55,124 55,180
Capitalized mortgage loan servicing rights, carried at fair value 24,208 16,904
Other intangibles 3,579 4,306
Goodwill 28,300 28,300
Accrued income and other assets 65,946 62,456
Total Assets 4,622,340 4,204,013
Deposits    
Non-interest bearing 1,297,096 1,153,473
Savings and interest-bearing checking 1,803,763 1,526,465
Reciprocal 596,193 556,185
Time 312,085 287,402
Brokered time 2,931 113,830
Total Deposits 4,012,068 3,637,355
Other borrowings 30,007 30,012
Subordinated debt 39,338 39,281
Subordinated debentures 39,575 39,524
Accrued expenses and other liabilities 101,321 68,319
Total Liabilities 4,222,309 3,814,491
Commitments and contingent liabilities
Shareholders' Equity    
Preferred stock, no par value, 200,000 shares authorized; none issued or outstanding 0 0
Common stock, no par value, 500,000,000 shares authorized; issued and outstanding: 21,321,092 shares at September 30, 2021 and 21,853,800 shares at December 31, 2020 326,390 339,353
Retained earnings 66,543 40,145
Accumulated other comprehensive income 7,098 10,024
Total Shareholders' Equity 400,031 389,522
Total Liabilities and Shareholders' Equity 4,622,340 4,204,013
Commercial [Member]    
Loans    
Loans 1,222,802  
Allowance for credit losses (9,876)  
Loans    
Loans [1]   1,242,415
Allowance for credit losses [1]   (7,401)
Mortgage [Member]    
Loans    
Loans [2] 1,100,992  
Allowance for credit losses (19,175)  
Loans    
Loans [1]   1,015,926
Allowance for credit losses [1]   (6,998)
Installment [Member]    
Loans    
Loans [2] 560,184  
Allowance for credit losses $ (4,061)  
Loans    
Loans [1]   475,337
Allowance for credit losses [1]   $ (1,112)
[1] Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.
[2] Credit scores have been updated within the last twelve months.