Loans Held for Investment (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Composition of Net Loans Held for Investment by Class

The composition of net loans held for investment by class as of December 31, 2024 and 2023 is as follows:

	2024			2023
	(dollars in thousands)
Commercial
Commercial	$	104,872		$	102,366
Real estate - commercial		245,569			213,397
Other real estate construction loans		50,940			40,872
Other loans		6,408			6,214
Noncommercial
Real estate 1-4 family construction		27,789			12,481
Real estate - residential		150,667			143,697
Home equity		68,287			60,599
Consumer loans		11,020			11,581
		665,552			591,207
Less:
Allowance for credit losses		(5,824	)		(5,561	)
Deferred loan fees, net		825			864
Loans held for investment, net	$	660,553		$	586,510