Interest-bearing deposits in other financial institutions
234,301
242,618
181,823
345,132
Total cash and cash equivalents
265,197
267,405
207,142
369,498
Securities available-for-sale, at fair value (amortized cost of 193,155 and 167,053 at june30, 2026 and december31, 2025, respectively)
184,318
170,477
160,009
150,279
Loans held-for-sale, at lower of cost or fair value
2,937
3,604
12,077
9,634
Loans held-for-investment, net of deferred fees and costs
2,932,019
2,873,551
2,820,400
2,752,514
Allowance for credit losses on loans
34,738
33,943
33,381
32,960
Net loans held-for-investment
2,897,281
2,839,608
2,787,019
2,719,554
Premises and equipment, net
7,296
7,695
8,194
8,604
Federal home loan bank and other restricted stock, at cost
15,170
14,978
14,978
14,978
Bank-owned life insurance
33,351
33,070
32,796
32,525
Deferred tax assets, net
9,977
9,697
9,210
7,164
Servicing assets
5,655
5,691
5,627
5,883
Operating lease assets
15,844
16,453
17,158
17,136
Accrued interest receivable
10,574
10,952
10,669
10,829
Other assets
22,524
16,563
16,892
17,422
Total assets
3,470,124
3,396,193
3,281,771
3,363,506
Noninterest-bearing demand
569,367
570,393
555,645
551,312
Savings, now and money market accounts
706,941
681,065
676,075
669,374
Time deposits of 250,000 or less
824,643
831,448
855,059
961,299
Time deposits of more than 250,000
821,708
805,074
708,633
731,517
Total deposits
2,922,659
2,887,980
2,795,412
2,913,502
Other short-term borrowings
10,000
-
0
0
Federal home loan bank advances
80,000
50,000
34,000
-
Operating lease liabilities
17,701
18,301
18,996
18,961
Accrued interest payable and other liabilities
39,301
43,194
43,337
46,542
Total liabilities
3,069,661
2,999,475
2,891,745
2,979,005
Series c, senior non-cumulative perpetual, 1,000 per share liquidation preference, 69,141 and 69,141 shares issued and outstanding at june30, 2026 and december31, 2025, respectively
69,141
69,141
69,141
69,141
Common stock, 60,000,000 shares authorized, no par value 14,102,189 and 14,230,428 shares issued and outstanding, respectively, and including 85,850 and 90,850 shares of unvested restricted stock, respectively, at june30, 2026 and december31, 2025
136,237
139,405
139,256
140,580
Retained earnings
201,214
193,923
186,485
180,189
Accumulated other comprehensive loss, net
-6,129
-5,751
-4,856
-5,409
Total shareholders equity
400,463
396,718
390,026
384,501
Total liabilities and shareholders equity
3,470,124
3,396,193
3,281,771
3,363,506
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Time Plot
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