Loans (Tables)

6 Months Ended

Jun. 30, 2021

Loans and Leases Receivable Disclosure [Abstract]

Summary of Loans, Net of Unearned Fees

The following table presents the amortized cost of loans held for investment:

Dollars in thousands	June 30, 2021		December 31, 2020
Commercial	$	326,468	$	306,885
Commercial real estate - owner occupied
Professional & medical	122,403		107,151
Retail	141,703		126,451
Other	128,058		118,258
Commercial real estate - non-owner occupied
Hotels & motels	116,745		121,502
Mini-storage	49,875		60,550
Multifamily	196,964		175,988
Retail	143,931		135,405
Other	276,900		192,120
Construction and development
Land & land development	102,670		107,342
Construction	140,788		91,100
Residential 1-4 family real estate
Personal residence	279,970		305,093
Rental - small loan	118,269		120,426
Rental - large loan	71,694		74,185
Home equity	72,956		81,588
Mortgage warehouse lines	105,288		251,810
Consumer	32,732		33,906
Other
Credit cards	1,690		1,855
Overdrafts	666		538
Total loans, net of unearned fees	2,429,770		2,412,153
Less allowance for credit losses - loans	33,885		32,246
Loans, net	$	2,395,885	$	2,379,907

Allowance for Credit Losses on Financing Receivables

The following tables presents the activity in the ACLL by portfolio segment during the three and six months ended June 30, 2021 and the twelve months ended December 31, 2020:

	For the Three Months Ended June 30, 2021
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Provision for Credit Losses - Loans		Adjustment for PCD Acquired Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	2,772	$	20	$	—	$	(97)	$	14	$	2,709
Commercial real estate - owner occupied
Professional & medical	742		244		—		—		—		986
Retail	4,001		(482)		—		—		—		3,519
Other	538		18		—		—		—		556
Commercial real estate - non-owner occupied
Hotels & motels	2,945		(376)		—		—		—		2,569
Mini-storage	180		(23)		—		—		—		157
Multifamily	1,533		101		—		—		3		1,637
Retail	1,331		140		—		—		—		1,471
Other	1,168		257		—		—		—		1,425
Construction and development
Land & land development	3,911		(208)		—		—		2		3,705
Construction	5,620		597		—		—		—		6,217
Residential 1-4 family real estate
Personal residence	3,232		(197)		—		(35)		50		3,050
Rental - small loan	2,537		77		—		(75)		7		2,546
Rental - large loan	2,495		(64)		—		—		—		2,431
Home equity	579		(5)		—		(26)		3		551
Mortgage warehouse lines	—		—		—		—		—		—
Consumer	242		(81)		—		(23)		34		172
Other
Credit cards	15		8		—		(9)		2		16
Overdrafts	201		19		—		(78)		26		168
Total	$	34,042	$	45	$	—	$	(343)	$	141	$	33,885

	For the Six Months Ended June 30, 2021
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Provision for Credit Losses - Loans		Adjustment for PCD Acquired Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	2,304	$	609	$	—	$	(223)	$	19	$	2,709
Commercial real estate - owner occupied
Professional & medical	954		35		—		(3)		—		986
Retail	3,173		346		—		—		—		3,519
Other	610		(54)		—		—		—		556
Commercial real estate - non-owner occupied
Hotels & motels	2,135		434		—		—		—		2,569
Mini-storage	337		(180)		—		—		—		157
Multifamily	1,547		87		—		—		3		1,637
Retail	981		490		—		—		—		1,471
Other	1,104		321		—		—		—		1,425
Construction and development
Land & land development	4,084		(386)		—		—		7		3,705
Construction	4,648		1,569		—		—		—		6,217
Residential 1-4 family real estate
Personal residence	3,559		(484)		—		(109)		84		3,050
Rental - small loan	2,736		(130)		—		(89)		29		2,546
Rental - large loan	3,007		(576)		—		—		—		2,431
Home equity	713		(146)		—		(26)		10		551
Mortgage warehouse lines	—		—		—		—		—		—
Consumer	216		(35)		—		(75)		66		172
Other
Credit cards	17		7		—		(12)		4		16
Overdrafts	121		123		—		(160)		84		168
Total	$	32,246	$	2,030	$	—	$	(697)	$	306	$	33,885

	For the Twelve Months Ended December 31, 2020
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Impact of Adoption of ASC 326		Provision for Credit Losses - Loans		Adjustment for PCD Acquired Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	1,221	$	1,064	$	85	$	—	$	(99)	$	33	$	2,304
Commercial real estate - owner occupied
Professional & medical	1,058		(390)		1,290		1		(1,005)		—		954
Retail	820		(272)		2,311		152		—		162		3,173
Other	821		(137)		(104)		1		—		29		610
Commercial real estate - non-owner occupied
Hotels & motels	1,235		(936)		1,836		—		—		—		2,135
Mini-storage	485		(311)		48		115		—		—		337
Multifamily	1,534		8		(155)		122		—		38		1,547
Retail	964		279		(22)		101		(343)		2		981
Other	1,721		(1,394)		700		58		—		19		1,104
Construction and development
Land & land development	600		2,136		1,202		111		(7)		42		4,084
Construction	242		996		3,159		251		—		—		4,648
Residential 1-4 family real estate
Personal residence	1,275		1,282		980		182		(252)		92		3,559
Rental - small loan	532		1,453		657		96		(140)		138		2,736
Rental - large loan	49		2,884		58		16		—		—		3,007
Home equity	138		308		246		—		(24)		45		713
Mortgage warehouse lines	—		—		—		—		—		—		—
Consumer	379		(238)		166		—		(239)		148		216
Other
Credit cards	—		12		35		—		(40)		10		17
Overdrafts	—		182		251		—		(460)		148		121
Total	$	13,074	$	6,926	$	12,743	$	1,206	$	(2,609)	$	906	$	32,246

Impaired Financing Receivables

The following tables presents, as of June 30, 2021 and December 31, 2020 segregated by loan portfolio segment, details of the loan portfolio and the ACLL calculated in accordance with our credit loss accounting methodology for loans described above.

	June 30, 2021
	Loan Balances						Allowance for Credit Losses - Loans
Dollars in thousands	Loans Individually Evaluated		Loans Collectively Evaluated (1)		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
Commercial	$	4,770	$	321,698	$	326,468	$	—	$	2,709	$	2,709
Commercial real estate - owner occupied
Professional & medical	2,125		120,278		122,403		213		773		986
Retail	16,003		125,700		141,703		2,129		1,390		3,519
Other	—		128,058		128,058		—		556		556
Commercial real estate - non-owner occupied
Hotels & motels	3,202		113,543		116,745		786		1,783		2,569
Mini-storage	1,076		48,799		49,875		—		157		157
Multifamily	—		196,964		196,964		—		1,637		1,637
Retail	3,091		140,840		143,931		—		1,471		1,471
Other	5,737		271,163		276,900		129		1,296		1,425
Construction and development
Land & land development	2,334		100,336		102,670		660		3,045		3,705
Construction	—		140,788		140,788		—		6,217		6,217
Residential 1-4 family real estate
Personal residence	465		279,505		279,970		—		3,050		3,050
Rental - small loan	1,634		116,635		118,269		135		2,411		2,546
Rental - large loan	3,222		68,472		71,694		—		2,431		2,431
Home equity	733		72,223		72,956		—		551		551
Mortgage warehouse lines	—		105,288		105,288		—		—		—
Consumer	—		32,732		32,732		—		172		172
Other
Credit cards	—		1,690		1,690		—		16		16
Overdrafts	—		666		666		—		168		168
Total	$	44,392	$	2,385,378	$	2,429,770	$	4,052	$	29,833	$	33,885

(1) Included in the loans collectively evaluated are $47.8 million in fully guaranteed or cash secured loans, which are excluded from the pools collectively evaluated and carry no reserve.

	December 31, 2020
	Loan Balances						Allowance for Credit Losses - Loans
Dollars in thousands	Loans Individually Evaluated		Loans Collectively Evaluated (1)		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
Commercial	$	4,851	$	302,034	$	306,885	$	8	$	2,296	$	2,304
Commercial real estate - owner occupied
Professional & medical	2,171		104,980		107,151		223		731		954
Retail	17,458		108,993		126,451		2,258		915		3,173
Other	—		118,258		118,258		—		610		610
Commercial real estate - non-owner occupied
Hotels & motels	—		121,502		121,502		—		2,135		2,135
Mini-storage	1,109		59,441		60,550		111		226		337
Multifamily	1,187		174,801		175,988		135		1,412		1,547
Retail	3,473		131,932		135,405		—		981		981
Other	5,857		186,263		192,120		129		975		1,104
Construction and development
Land & land development	1,891		105,451		107,342		623		3,461		4,084
Construction	1,352		89,748		91,100		135		4,513		4,648
Residential 1-4 family real estate
Personal residence	—		305,093		305,093		—		3,559		3,559
Rental - small loan	1,300		119,126		120,426		102		2,634		2,736
Rental - large loan	3,288		70,897		74,185		—		3,007		3,007
Home equity	523		81,065		81,588		—		713		713
Consumer	—		33,906		33,906		—		216		216
Other
Credit cards	—		1,855		1,855		—		17		17
Overdrafts	—		538		538		—		121		121
Mortgage warehouse lines	—		251,810		251,810		—		—		—
Total	$	44,460	$	2,367,693	$	2,412,153	$	3,724	$	28,522	$	32,246

(1) Included in the loans collectively evaluated are $83.9 million in fully guaranteed or cash secured loans, which are excluded from the pools collectively evaluated and carry no reserve.

Collateral Dependent Financing Receivables And Allowance For Credit Losses on Collateral Dependent Financing Receivables [Table Text Block]

The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related ACLL allocated to those loans:

	June 30, 2021
Dollars in thousands	Real Estate Secured Loans		Non-Real Estate Secured Loans		Total Loans		Allowance for Credit Losses - Loans
Commercial	$	—	$	4,770	$	4,770	$	—
Commercial real estate - owner occupied
Professional & medical	2,125		—		2,125		213
Retail	16,003		—		16,003		2,129
Other	—		—		—		—
Commercial real estate - non-owner occupied
Hotels & motels	3,202		—		3,202		786
Mini-storage	1,076		—		1,076		—
Multifamily	—		—		—		—
Retail	3,091		—		3,091		—
Other	5,737		—		5,737		129
Construction and development
Land & land development	2,334		—		2,334		660
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	465		—		465		—
Rental - small loan	1,634		—		1,634		135
Rental - large loan	3,222		—		3,222		—
Home equity	733		—		733		—
Consumer	—		—		—		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	39,622	$	4,770	$	44,392	$	4,052

	December 31, 2020
Dollars in thousands	Real Estate Secured Loans		Non-Real Estate Secured Loans		Total Loans		Allowance for Credit Losses - Loans
Commercial	$	—	$	4,851	$	4,851	$	8
Commercial real estate - owner occupied
Professional & medical	2,171		—		2,171		223
Retail	17,458		—		17,458		2,258
Other	—		—		—		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—
Mini-storage	1,109		—		1,109		111
Multifamily	1,187		—		1,187		135
Retail	3,473		—		3,473		—
Other	5,857		—		5,857		129
Construction and development
Land & land development	1,891		—		1,891		623
Construction	1,352		—		1,352		135
Residential 1-4 family real estate
Personal residence	—		—		—		—
Rental - small loan	1,300		—		1,300		102
Rental - large loan	3,288		—		3,288		—
Home equity	523		—		523		—
Consumer	—		—		—		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	39,609	$	4,851	$	44,460	$	3,724

Schedule of Contractual Aging of Recorded Investment In Past Due Loans By Class

The following table presents the contractual aging of the amortized cost basis of past due loans by class as of June 30, 2021 and December 31, 2020.

	At June 30, 2021
	Past Due										90 days or more and Accruing
Dollars in thousands	30-59 days		60-89 days		90 days or more		Total		Current
Commercial	$	414	$	32	$	525	$	971	$	325,497	$	—
Commercial real estate - owner occupied
Professional & medical	—		—		—		—		122,403		—
Retail	—		432		336		768		140,935		—
Other	301		—		336		637		127,421		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—		116,745		—
Mini-storage	—		—		—		—		49,875		—
Multifamily	—		—		—		—		196,964		—
Retail	—		—		336		336		143,595		—
Other	—		—		317		317		276,583		—
Construction and development
Land & land development	1,874		37		621		2,532		100,138		—
Construction	—		—		—		—		140,788		—
Residential 1-4 family real estate
Personal residence	2,531		1,030		899		4,460		275,510		—
Rental - small loan	323		282		2,023		2,628		115,641		—
Rental - large loan	—		—		—		—		71,694		—
Home equity	312		51		170		533		72,423		—
Mortgage warehouse lines	—		—		—		—		105,288		—
Consumer	313		112		16		441		32,291		—
Other
Credit cards	—		—		2		2		1,688		2
Overdrafts	—		—		—		—		666		—
Total	$	6,068	$	1,976	$	5,581	$	13,625	$	2,416,145	$	2

	At December 31, 2020
	Past Due										90 days or more and Accruing
Dollars in thousands	30-59 days		60-89 days		90 days or more		Total		Current
Commercial	$	60	$	—	$	318	$	378	$	306,507	$	—
Commercial real estate - owner occupied
Professional & medical	220		—		457		677		106,474		—
Retail	54		—		2,259		2,313		124,138		—
Other	—		—		150		150		118,108		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—		121,502		—
Mini-storage	—		—		—		—		60,550		—
Multifamily	—		—		—		—		175,988		—
Retail	—		—		657		657		134,748		—
Other	—		—		315		315		191,805		—
Construction and development
Land & land development	47		—		70		117		107,225		—
Construction	—		—		—		—		91,100		—
Residential 1-4 family real estate
Personal residence	3,750		1,071		1,656		6,477		298,616		—
Rental - small loan	1,129		487		719		2,335		118,091		—
Rental - large loan	769		—		—		769		73,416		—
Home equity	758		—		197		955		80,633		—
Mortgage warehouse lines	—		—		—		—		251,810		—
Consumer	190		44		72		306		33,600		—
Other
Credit cards	5		—		2		7		1,848		2
Overdrafts	—		—		—		—		538		—
Total	$	6,982	$	1,602	$	6,872	$	15,456	$	2,396,697	$	2

Schedule of Financing Receivables, Non Accrual Status

The following table presents the nonaccrual loans included in the net balance of loans at June 30, 2021 and December 31, 2020.

	June 30,				December 31,
	2021				2020
Dollars in thousands	Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans		Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans
Commercial	$	968	$	—	$	525	$	—
Commercial real estate - owner occupied
Professional & medical	73		—		536		—
Retail	10,125		336		12,193		2,258
Other	377		—		384		—
Commercial real estate - non-owner occupied
Hotels & motels	3,202		—		—		—
Mini-storage	—		—		—		—
Multifamily	—		—		—		—
Retail	336		336		809		657
Other	317		—		315		—
Construction and development
Land & land development	621		461		70		—
Construction	—		—		165		—
Residential 1-4 family real estate
Personal residence	3,475		465		3,424		—
Rental - small loan	2,930		495		1,603		108
Rental - large loan	—		—		—		—
Home equity	395		210		236		—
Mortgage warehouse lines	—		—		—		—
Consumer	36		—		73		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	22,855	$	2,303	$	20,333	$	3,023

Financing Receivable Credit Quality Indicators

As of June 30, 2021 and December 31, 2020, based on the most recent analysis performed, the risk category of loans based on year of origination is as follows:

	June 30, 2021
Dollars in thousands	Risk Rating	2021		2020		2019		2018		2017		Prior		Revolvi- ng		Revolving- Term		Total
Commercial	Pass	$	95,452	$	46,957	$	36,327	$	7,150	$	13,413	$	17,786	$	100,244	$	—	$	317,329
	Special Mention	437		991		33		1,942		69		563		4,472		—		8,507
	Substandard	—		—		119		86		20		42		365		—		632
Total Commercial		95,889		47,948		36,479		9,178		13,502		18,391		105,081		—		326,468
Commercial Real Estate    - Owner Occupied
Professional & medical	Pass	27,222		18,606		15,985		1,839		23,410		26,112		2,975		—		116,149
	Special Mention	—		1,159		—		—		—		5,023		—		—		6,182
	Substandard	—		72		—		—		—		—		—		—		72
Total Professional & Medical		27,222		19,837		15,985		1,839		23,410		31,135		2,975		—		122,403
Retail	Pass	26,398		27,002		26,503		5,653		9,468		31,316		2,168		—		128,508
	Special Mention	—		—		—		—		432		758		—		—		1,190
	Substandard	—		—		10,443		—		149		429		984		—		12,005
Total Retail		26,398		27,002		36,946		5,653		10,049		32,503		3,152		—		141,703
Other	Pass	12,854		30,968		14,189		16,906		9,410		40,626		2,043		—		126,996
	Special Mention	61		—		—		—		—		625		—		—		686
	Substandard	—		—		—		—		—		337		39		—		376
Total Other		12,915		30,968		14,189		16,906		9,410		41,588		2,082		—		128,058
Total Commercial Real Estate -    Owner Occupied		66,535		77,807		67,120		24,398		42,869		105,226		8,209		—		392,164
Commercial Real Estate    - Non-Owner Occupied
Hotels & motels	Pass	—		3,371		23,614		16,103		9,787		20,982		2,566		—		76,423
	Special Mention	—		—		37,120		—		—		—		—		—		37,120
	Substandard	—		2,928		—		—		—		274		—		—		3,202
Total Hotels & Motels		—		6,299		60,734		16,103		9,787		21,256		2,566		—		116,745
Mini-storage	Pass	246		7,587		10,968		14,727		4,597		10,403		222		—		48,750
	Special Mention	—		—		—		—		—		49		—		—		49
	Substandard	—		—		—		—		—		1,076		—		—		1,076
Total Mini-storage		246		7,587		10,968		14,727		4,597		11,528		222		—		49,875
Multifamily	Pass	29,826		38,647		22,477		26,686		17,776		56,402		4,611		—		196,425
	Special Mention	—		494		—		—		—		45		—		—		539
	Substandard	—		—		—		—		—		—		—		—		—
Total Multifamily		29,826		39,141		22,477		26,686		17,776		56,447		4,611		—		196,964
Retail	Pass	18,009		42,648		26,981		10,254		9,274		28,923		6,655		—		142,744
	Special Mention	—		—		—		—		—		787		—		—		787
	Substandard	—		—		—		—		—		400		—		—		400

	June 30, 2021
Dollars in thousands	Risk Rating	2021	2020	2019	2018	2017	Prior	Revolvi- ng	Revolving- Term	Total
Total Retail		18,009	42,648	26,981	10,254	9,274	30,110	6,655	—	143,931
Other	Pass	88,640	75,569	20,247	24,000	9,089	53,302	2,264	—	273,111
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	576	—	3,213	—	—	3,789
Total Other		88,640	75,569	20,247	24,576	9,089	56,515	2,264	—	276,900
Total Commercial Real Estate -    Non-Owner Occupied		136,721	171,244	141,407	92,346	50,523	175,856	16,318	—	784,415
Construction and Development
Land & land development	Pass	10,278	19,190	23,099	7,345	3,714	23,426	12,918	—	99,970
	Special Mention	—	158	66	—	—	640	—	—	864
	Substandard	—	—	—	—	—	1,836	—	—	1,836
Total Land & land development		10,278	19,348	23,165	7,345	3,714	25,902	12,918	—	102,670
Construction	Pass	37,312	55,332	41,368	2,037	—	—	4,238	—	140,287
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	331	—	—	170	—	501
Total Construction		37,312	55,332	41,368	2,368	—	—	4,408	—	140,788
Total Construction and    Development		47,590	74,680	64,533	9,713	3,714	25,902	17,326	—	243,458
Residential 1-4 Family Real Estate
Personal residence	Pass	24,890	38,904	21,732	22,538	17,323	132,657	—	—	258,044
	Special Mention	—	—	505	129	400	11,259	—	—	12,293
	Substandard	—	—	713	813	459	7,648	—	—	9,633
Total Personal Residence		24,890	38,904	22,950	23,480	18,182	151,564	—	—	279,970
Rental - small loan	Pass	17,275	16,210	15,794	12,205	8,053	36,960	4,427	—	110,924
	Special Mention	—	108	244	253	2	2,074	122	—	2,803
	Substandard	—	370	473	541	530	2,611	17	—	4,542
Total Rental - Small Loan		17,275	16,688	16,511	12,999	8,585	41,645	4,566	—	118,269
Rental - large loan	Pass	15,289	15,858	5,101	7,008	3,487	17,427	3,130	—	67,300
	Special Mention	—	—	—	—	—	774	—	—	774
	Substandard	—	—	—	—	—	3,620	—	—	3,620
Total Rental - Large Loan		15,289	15,858	5,101	7,008	3,487	21,821	3,130	—	71,694
Home equity	Pass	283	30	13	23	19	1,302	68,642	—	70,312
	Special Mention	—	—	—	—	40	94	1,635	—	1,769
	Substandard	—	—	—	—	—	403	472	—	875
Total Home Equity		283	30	13	23	59	1,799	70,749	—	72,956
Total Residential 1-4 Family Real    Estate		57,737	71,480	44,575	43,510	30,313	216,829	78,445	—	542,889

	June 30, 2021
Dollars in thousands	Risk Rating	2021		2020		2019		2018		2017		Prior		Revolvi- ng		Revolving- Term		Total
Mortgage warehouse lines	Pass	—		—		—		—		—		—		105,288		—		105,288
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Mortgage Warehouse Lines		—		—		—		—		—		—		105,288		—		105,288
Consumer	Pass	7,933		9,227		6,578		2,901		973		2,023		1,016		—		30,651
	Special Mention	464		670		291		128		120		63		11		—		1,747
	Substandard	45		136		67		12		5		43		26		—		334
Total Consumer		8,442		10,033		6,936		3,041		1,098		2,129		1,053		—		32,732
Other
Credit cards	Pass	1,690		—		—		—		—		—		—		—		1,690
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Credit Cards		1,690		—		—		—		—		—		—		—		1,690
Overdrafts	Pass	666		—		—		—		—		—		—		—		666
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Overdrafts		666		—		—		—		—		—		—		—		666
Total Other		2,356		—		—		—		—		—		—		—		2,356
Total		$	415,270	$	453,192	$	361,050	$	182,186	$	142,019	$	544,333	$	331,720	$	—	$	2,429,770

	December 31, 2020
Dollars in thousands	Risk Rating	2020		2019		2018		2017		2016		Prior		Revolvi- ng		Revolving- Term		Total
Commercial	Pass	$	112,335	$	46,323	$	20,936	$	16,723	$	11,087	$	12,336	$	78,107	$	—	$	297,847
	Special Mention	9		38		1,956		77		201		909		407		—		3,597
	Substandard	1,039		177		215		29		40		56		3,885		—		5,441
Total Commercial		113,383		46,538		23,107		16,829		11,328		13,301		82,399		—		306,885
Commercial Real Estate    - Owner Occupied
Professional & medical	Pass	19,454		16,414		2,540		26,578		3,322		28,905		3,079		—		100,292
	Special Mention	1,171		—		—		—		—		5,152		—		—		6,323
	Substandard	79		321		—		—		136		—		—		—		536
Total Professional & Medical		20,704		16,735		2,540		26,578		3,458		34,057		3,079		—		107,151
Retail	Pass	28,351		28,547		5,238		10,288		6,041		31,087		2,199		—		111,751
	Special Mention	—		—		—		432		3		824		—		—		1,259
	Substandard	—		10,524		—		157		—		2,360		400		—		13,441

	December 31, 2020
Dollars in thousands	Risk Rating	2020	2019	2018	2017	2016	Prior	Revolvi- ng	Revolving- Term	Total
Total Retail		28,351	39,071	5,238	10,877	6,044	34,271	2,599	—	126,451
Other	Pass	28,712	13,722	17,699	9,845	13,119	32,486	1,496	—	117,079
	Special Mention	—	—	—	—	—	694	—	—	694
	Substandard	—	—	—	—	—	444	41	—	485
Total Other		28,712	13,722	17,699	9,845	13,119	33,624	1,537	—	118,258
Total Commercial Real Estate -    Owner Occupied		77,767	69,528	25,477	47,300	22,621	101,952	7,215	—	351,860
Commercial Real Estate    - Non-Owner Occupied
Hotels & motels	Pass	3,428	23,821	18,894	9,880	7,389	14,252	3,160	—	80,824
	Special Mention	2,994	37,398	—	—	—	286	—	—	40,678
	Substandard	—	—	—	—	—	—	—	—	—
Total Hotels & Motels		6,422	61,219	18,894	9,880	7,389	14,538	3,160	—	121,502
Mini-storage	Pass	10,159	19,022	15,046	3,986	6,228	4,780	170	—	59,391
	Special Mention	—	—	—	—	—	50	—	—	50
	Substandard	—	—	—	—	—	1,109	—	—	1,109
Total Mini-storage		10,159	19,022	15,046	3,986	6,228	5,939	170	—	60,550
Multifamily	Pass	39,814	27,090	27,198	19,294	10,762	47,751	2,844	—	174,753
	Special Mention	—	—	—	—	—	48	—	—	48
	Substandard	—	1,187	—	—	—	—	—	—	1,187
Total Multifamily		39,814	28,277	27,198	19,294	10,762	47,799	2,844	—	175,988
Retail	Pass	44,359	27,357	11,169	9,361	4,414	30,381	6,502	—	133,543
	Special Mention	—	—	—	—	446	540	—	—	986
	Substandard	—	—	—	152	—	724	—	—	876
Total Retail		44,359	27,357	11,169	9,513	4,860	31,645	6,502	—	135,405
Other	Pass	75,272	20,483	24,663	10,626	26,989	28,293	1,794	—	188,120
	Special Mention	—	—	—	—	—	142	—	—	142
	Substandard	—	—	—	—	—	—	—	—	—
	Doubtful	—	—	576	—	—	3,282	—	—	3,858
Total Other		75,272	20,483	25,239	10,626	26,989	31,717	1,794	—	192,120
Total Commercial Real Estate -    Non-Owner Occupied		176,026	156,358	97,546	53,299	56,228	131,638	14,470	—	685,565
Construction and Development
Land & land development	Pass	27,084	25,468	10,943	4,149	6,370	21,882	9,320	—	105,216
	Special Mention	—	70	12	—	—	644	—	—	726
	Substandard	—	—	6	—	11	1,383	—	—	1,400
Total Land & land development		27,084	25,538	10,961	4,149	6,381	23,909	9,320	—	107,342

	December 31, 2020
Dollars in thousands	Risk Rating	2020	2019	2018	2017	2016	Prior	Revolvi- ng	Revolving- Term	Total
Construction	Pass	50,060	34,480	2,833	885	—	—	1,325	—	89,583
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	1,352	—	—	—	165	—	—	1,517
Total Construction		50,060	35,832	2,833	885	—	165	1,325	—	91,100
Total Construction and    Development		77,144	61,370	13,794	5,034	6,381	24,074	10,645	—	198,442
Residential 1-4 Family Real Estate
Personal residence	Pass	51,120	31,415	27,052	23,069	23,759	126,293	—	—	282,708
	Special Mention	—	242	131	267	254	12,020	—	—	12,914
	Substandard	—	46	849	540	126	7,910	—	—	9,471
Total Personal Residence		51,120	31,703	28,032	23,876	24,139	146,223	—	—	305,093
Rental - small loan	Pass	18,762	20,113	14,512	10,705	10,941	34,643	4,047	—	113,723
	Special Mention	110	253	251	3	192	1,749	62	—	2,620
	Substandard	—	1,163	—	—	46	2,874	—	—	4,083
Total Rental - Small Loan		18,872	21,529	14,763	10,708	11,179	39,266	4,109	—	120,426
Rental - large loan	Pass	16,926	5,484	9,456	5,323	9,133	20,515	2,188	—	69,025
	Special Mention	—	1,430	—	—	—	32	—	—	1,462
	Substandard	—	—	—	—	—	3,698	—	—	3,698
Total Rental - Large Loan		16,926	6,914	9,456	5,323	9,133	24,245	2,188	—	74,185
Home equity	Pass	429	565	347	502	89	2,174	74,974	—	79,080
	Special Mention	—	—	—	40	—	96	1,596	—	1,732
	Substandard	—	—	32	28	—	424	292	—	776
Total Home Equity		429	565	379	570	89	2,694	76,862	—	81,588
Total Residential 1-4 Family Real    Estate		87,347	60,711	52,630	40,477	44,540	212,428	83,159	—	581,292
Mortgage warehouse lines	Pass	—	—	—	—	—	—	251,810	—	251,810
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	—	—	—	—	—	—
Total Mortgage Warehouse Lines		—	—	—	—	—	—	251,810	—	251,810
Consumer	Pass	12,785	9,257	4,239	1,609	1,237	1,516	822	—	31,465
	Special Mention	991	454	214	155	70	49	18	—	1,951
	Substandard	245	127	31	6	51	4	26	—	490
Total Consumer		14,021	9,838	4,484	1,770	1,358	1,569	866	—	33,906
Other
Credit cards	Pass	1,855	—	—	—	—	—	—	—	1,855
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	—	—	—	—	—	—

	December 31, 2020
Dollars in thousands	Risk Rating	2020		2019		2018		2017		2016		Prior		Revolvi- ng		Revolving- Term		Total
Total Credit Cards		1,855		—		—		—		—		—		—		—		1,855
Overdrafts	Pass	538		—		—		—		—		—		—		—		538
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—
Total Overdrafts		538		—		—		—		—		—		—		—		538
Total Other		2,393		—		—		—		—		—		—		—		2,393
Total		$	548,081	$	404,343	$	217,038	$	164,709	$	142,456	$	484,962	$	450,564	$	—	$	2,412,153

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

The following table presents by class the TDRs that were restructured during the six months ended June 30, 2021 and June 30, 2020. Generally, the modifications were extensions of term, modifying the payment terms from principal and interest to interest only for an extended period, or reduction in interest rate.  TDRs are evaluated individually for allowance for credit loss purposes if the loan balance exceeds $500,000, otherwise, smaller balance TDR loans are included in the pools to determine ACLL. There were no restructurings during the quarter ending June 30, 2021 or 2020.

	For the Six Months Ended   June 30, 2021					For the Six Months Ended   June 30, 2020
Dollars in thousands	Number of Modifications	Pre- modification Recorded Investment		Post- modification Recorded Investment		Number of Modifications	Pre- modification Recorded Investment		Post- modification Recorded Investment
Commercial real estate - owner occupied
Other	—	$	—	$	—	1	$	361	$	361
Total	—	$	—	$	—	1	$	361	$	361

Schedule of Defaults During Stated Period of Trouble Debt Restructurings

The following tables present defaults during the stated period of TDRs that were restructured during the prior 12 months. For purposes of these tables, a default is considered as either the loan was past due 30 days or more at any time during the period, or the loan was fully or partially charged off during the period.

	For the Three Months Ended   June 30, 2021			For the Three Months Ended   June 30, 2020
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Commercial real estate - owner occupied
Other	—	$	—	1	$	361
Residential 1-4 family real estate
Personal residence	1	49		—	—
Total	1	$	49	1	$	361

	For the Six Months Ended   June 30, 2021			For the Six Months Ended   June 30, 2020
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Commercial real estate - owner occupied
Other	—	$	—	1	$	361
Residential 1-4 family real estate
Personal residence	1	49		—	—
Rental - small loan	1	399		—	—
Total	2	$	448	1	$	361