7Baggers

Capital Bancorp, Inc
(NASDAQ:CBNK) 

CBNK stock logo

Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. It operates through three divisions: Commercial Banking, Capital Bank Home Loans, ...

Full Time Employees: 250
Sector: Financial Services
Industry: Banks-Regional
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At a glance:
Bull Thesis:
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Income Statements:
Quarterly
Annual
    Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2019-03-31 2018-09-30 
                              
      interest income
    		                          
      loans, including fees
    		64,186,000 64,933,000 60,838,000 60,810,000 58,691,000 58,602,000 50,047,000 48,275,000 45,991,000 45,109,000 45,385,000 42,991,000 41,275,000 38,763,000 36,451,000 35,304,000 33,889,000 33,235,000 32,840,000 28,641,000 26,068,000 27,847,000 24,836,000 21,609,000 17,844,000 16,955,000 
      investment securities available-for-sale
    		1,459,000 1,728,000 1,805,000 1,582,000 1,861,000 1,539,000 1,343,000                    
      federal funds sold and other
    		2,325,000 1,973,000 2,248,000 2,194,000 2,208,000 1,566,000 1,220,000 1,032,000 1,127,000 777,000 1,267,000 823,000 764,000 1,183,000 527,000 473,000 143,000 114,000 139,000 104,000 92,000 108,000 80,000 75,000 215,000 220,000 
      total interest income
    		67,970,000 68,634,000 64,891,000 64,586,000 62,760,000 61,707,000 52,610,000 50,615,000 48,369,000 46,969,000 47,741,000 45,080,000 43,416,000 41,348,000 38,340,000 36,556,000 34,402,000 33,788,000 33,528,000 29,289,000 26,638,000 28,318,000 25,189,000 22,000,000 18,318,000 17,447,000 
      interest expense
    		                          
      deposits
    		18,070,000 17,805,000 12,732,000 16,722,000 16,512,000 16,385,000 13,902,000 13,050,000 12,833,000 11,759,000 10,703,000 9,409,000 7,754,000 4,377,000 1,386,000 964,000 884,000          
      borrowed funds
    		502,000 550,000 139,000 218,000 201,000 995,000 354,000 508,000 528,000 321,000 228,000 331,000 1,175,000 1,772,000 277,000 192,000 187,000 183,000 184,000 187,000 188,000 276,000 516,000 422,000 331,000 339,000 
      total interest expense
    		18,572,000 18,355,000 12,871,000 16,940,000 16,713,000 17,380,000 14,256,000 13,558,000 13,361,000 12,080,000 10,931,000 9,740,000 8,929,000 6,149,000 1,663,000 1,156,000 1,071,000 1,117,000 1,469,000 1,769,000 2,194,000 2,599,000 3,150,000 3,376,000 3,574,000 2,955,000 
      net interest income
    		49,398,000 50,279,000 52,020,000 47,646,000 46,047,000 44,327,000 38,354,000 37,057,000 35,008,000 34,889,000 36,810,000 35,340,000 34,487,000 35,199,000 36,677,000 35,400,000 33,331,000 32,671,000 32,059,000 27,520,000 24,444,000 25,719,000 22,039,000 18,624,000 14,744,000 14,492,000 
      provision for credit losses
    		3,014,000 3,988,000 4,650,000 4,081,000 2,246,000 7,828,000 3,748,000 3,417,000 2,727,000 2,808,000 2,280,000 2,862,000 1,660,000              
      provision for credit losses on unfunded commitments
    		205,000 -29,000 217,000   65,750 17,000   1,250 24,000                
      net interest income after provision for credit losses
    		46,179,000 46,320,000 47,153,000 43,565,000 43,801,000 36,377,000 34,589,000 33,536,000 32,139,000 32,187,000 34,506,000 32,478,000 32,827,000              
      noninterest income
    		                          
      service charges on deposits
    		403,000 371,000 425,000 262,000 258,000 241,000 235,000 200,000 207,000 240,000 250,000 245,000 229,000 222,000 199,000 183,000 163,000 136,000 160,000 165,000 148,000 142,000 119,000 110,000 98,000 123,000 
      credit card fees
    		4,692,000 4,837,000 4,509,000 4,298,000 3,722,000 3,733,000 4,055,000 4,330,000 3,881,000 3,970,000 4,387,000 4,706,000 4,210,000 4,314,000 5,524,000 6,210,000 5,924,000 6,676,000 7,554,000 7,715,000 5,940,000 6,272,000 5,773,000 2,912,000 1,492,000 1,592,000 
      mortgage banking revenue
    		1,556,000 1,960,000 1,927,000 1,754,000 1,831,000 1,821,000 1,882,000 1,990,000 1,453,000 1,166,000 1,243,000 1,332,000 1,155,000 554,000 969,000 1,528,000 1,790,000 3,365,000 4,465,000 5,270,000 7,743,000 12,153,000 14,359,000 10,119,000 2,376,000 2,451,000 
      government lending revenue
    		923,000  14,000 3,112,000 1,096,000                      
      government loan servicing revenue
    		4,345,000 4,036,000 4,265,000 3,644,000 3,568,000                      
      loan servicing rights
    		497,000 295,000 368,000 -590,000 472,000                      
      other income
    		957,000 965,000 -440,000 626,000 1,602,000 1,431,000 463,000 370,000 431,000 560,000 446,000 404,000 432,000              
      total noninterest income
    		13,373,000 12,464,000 11,068,000 13,106,000 12,549,000 11,913,000 6,635,000 6,890,000 5,972,000 5,936,000 6,326,000 6,687,000 6,026,000 5,561,000 7,108,000 8,362,000 8,288,000 10,617,000 12,597,000 13,471,000 13,951,000 19,435,000 21,146,000 13,899,000 4,092,000 4,240,000 
      noninterest expenses
    		                          
      salaries and employee benefits
    		20,317,000 17,914,000 17,728,000 18,460,000 18,067,000 16,513,000 13,345,000 13,272,000 12,907,000 11,638,000 12,419,000 12,143,000 12,554,000 11,769,000 10,747,000 10,071,000 10,310,000 10,564,000 9,962,000 8,750,000 8,568,000 11,997,000 12,609,000 11,296,000 6,787,000 6,571,000 
      occupancy and equipment
    		3,562,000 2,638,000 2,849,000 2,995,000 2,910,000 2,976,000 1,791,000 1,864,000 1,613,000 1,573,000 1,351,000 1,536,000 1,213,000 1,389,000 1,138,000 1,313,000 1,026,000 1,005,000 998,000 1,195,000 1,129,000 1,512,000 1,328,000 1,152,000 1,094,000 1,070,000 
      professional fees
    		4,965,000 4,294,000 2,131,000 2,422,000 2,112,000 2,150,000 1,980,000 1,769,000 1,947,000 1,930,000 2,358,000 2,608,000 2,374,000 2,426,000 3,848,000 2,417,000 2,321,000 1,454,000 2,555,000 1,362,000 1,624,000 1,929,000 1,307,000 894,000 619,000 520,000 
      data processing
    		7,767,000 7,502,000 7,654,000 7,520,000 7,112,000 7,210,000 6,930,000 6,788,000 6,761,000 6,128,000 6,469,000 6,559,000 6,530,000 6,697,000 7,178,000 7,266,000 8,276,000 9,643,000 10,161,000 10,122,000 9,311,000 9,253,000 7,880,000 5,667,000 3,313,000 3,976,000 
      advertising
    		1,466,000 1,398,000 1,714,000 1,371,000 1,779,000 1,032,000 1,223,000 2,072,000 2,032,000 1,433,000 1,565,000 2,646,000 517,000 726,000 1,632,000 2,223,000 1,639,000 1,650,000 1,027,000 1,293,000 833,000 655,000 633,000 606,000 443,000 359,000 
      loan processing
    		1,383,000 1,152,000 1,114,000 979,000 743,000 969,000 615,000 476,000 371,000 198,000 426,000 660,000 349,000 350,000 625,000 335,000 392,000 857,000 644,000 975,000 1,052,000 1,360,000 1,264,000 740,000 305,000 202,000 
      merger-related expenses
    		  697,000 1,398,000 1,266,000 2,615,000 520,000 83,000 712,000                  
      operational and other card fraud related losses
    		690,000                          
      regulatory assessment expenses
    		941,000 858,000 740,000 884,000 889,000                      
      other operating
    		2,590,000 2,598,000 2,804,000 2,610,000 2,271,000 -759,000 2,312,000 2,387,000 2,212,000 -2,538,000 3,457,000 3,440,000 2,660,000 3,561,000 2,926,000 3,505,000 3,138,000 3,275,000 3,236,000 3,235,000 3,246,000 1,886,750 3,089,000 2,266,000 1,747,000 1,195,000 
      total noninterest expenses
    		43,681,000 39,103,000 38,354,000 39,572,000 38,053,000 37,514,000 29,725,000 29,493,000 29,487,000 26,907,000 28,046,000 29,592,000 26,203,000 26,735,000 28,094,000 27,130,000 27,102,000 28,495,000 28,627,000 27,205,000 25,767,000 30,086,000 28,119,000 22,703,000 14,330,000 13,900,000 
      income before income taxes
    		15,871,000 19,681,000 19,867,000 17,099,000 18,297,000 10,776,000 11,499,000 10,933,000 8,624,000 11,216,000 12,786,000 9,573,000 12,650,000 11,641,000 14,431,000 14,597,000 13,565,000 13,693,000 15,054,000 13,005,000 12,125,000 13,035,000 11,566,000 6,520,000 4,385,000 4,337,000 
      income tax expense
    		3,853,000 4,644,000 4,802,000 3,963,000 4,365,000 3,243,000 2,827,000 2,728,000 2,062,000 2,186,000 2,998,000 2,255,000 2,915,000 2,651,000 3,336,000 3,089,000 3,354,000 3,522,000 3,877,000 3,357,000 3,143,000 3,346,000 3,128,000 1,759,000 1,066,000 1,190,000 
      net income
    		12,018,000 15,037,000 15,065,000 13,136,000 13,932,000 7,533,000 8,672,000 8,205,000 6,562,000 9,030,000 9,788,000 7,318,000 9,735,000 8,990,000 11,095,000 11,508,000 10,211,000 10,171,000 11,177,000 9,648,000 8,982,000 9,689,000 8,438,000 4,761,000 3,319,000 3,147,000 
      yoy
    		-13.74% 99.62% 73.72% 60.10% 112.31% -16.58% -11.40% 12.12% -32.59% 0.44% -11.78% -36.41% -4.66% -11.61% -0.73% 19.28% 13.68% 4.97% 32.46% 102.65% 170.62% 207.88%     
      qoq
    		-20.08% -0.19% 14.68% -5.71% 84.95% -13.13% 5.69% 25.04% -27.33% -7.74% 33.75% -24.83% 8.29% -18.97% -3.59% 12.70% 0.39% -9.00% 15.85% 7.41% -7.30% 14.83% 77.23% 43.45% 5.47%  
      basic earnings per share
    		0.74 0.91 0.91 0.79 0.84 0.43 0.62 0.59 0.47 0.65 0.7 0.52 0.69 0.64 0.79 0.82 0.73 0.74 0.81 0.7 0.65 0.7 0.61 0.34 0.24 0.27 
      diluted earnings per share
    		0.73 0.91 0.89 0.78 0.82 0.43 0.62 0.59 0.47 0.65 0.7 0.52 0.68 0.62 0.77 0.8 0.71 0.73 0.79 0.68 0.65 0.7 0.61 0.34 0.24 0.26 
      weighted-average common shares outstanding:
    		                          
      basic
    		16,345,156 16,581,591 16,585,538 16,583,894 16,665,528 14,584,303 13,913,639 13,894,858 13,918,724 14,002,556 13,932,848 14,024,824 14,159,383 14,024,598 14,030,408 14,007,240 13,988,549 13,798,620 13,793,087 13,766,318 13,757,006 13,793,256 13,794,628 13,817,349 13,702,433 11,719,946 
      diluted
    		16,440,911 16,767,565 16,844,035 16,801,902 16,925,454 14,640,177 13,950,900 13,894,858 13,918,724 14,080,547 14,023,906 14,058,928 14,272,292 14,362,203 14,374,980 14,312,848 14,338,601 14,081,403 14,228,497 14,172,438 13,899,201 13,800,176 13,794,628 13,817,349 13,877,625 12,102,692 
      foreclosed real estate expenses
    		 250   1,000  1,000  1,000    6,000     80,250 44,000 273,000 4,000 34,250 9,000 82,000   
      operational losses
    		 689,750 923,000 933,000 903,000 993,000 1,008,000 782,000 931,000                  
      investment securities available for sale
    		       1,308,000 1,251,000 1,083,000 1,089,000 1,266,000 1,377,000 1,402,000 1,362,000 779,000 370,000 439,000 549,000 544,000 478,000 363,000 273,000 316,000 259,000 272,000 
      provision for (release of) credit losses on unfunded commitments
    		       104,000 142,000                  
      foreclosed real estate expenses (income)
    		          1,000                
      release of credit losses on unfunded commitments
    		                          
      provision for loan losses
    		             2,384,000 1,260,000 2,035,000 952,000 1,100,000 975,000 781,000 503,000 2,302,250 3,500,000 3,300,000 121,000  
      net interest income after provision for loan losses
    		             32,815,000 35,417,000 33,365,000 32,379,000 31,571,000 31,084,000 26,739,000 23,941,000 12,285,250 18,539,000 15,324,000 14,623,000  
      gain on sale of investment securities available for sale
    		                   153,000       
      other fees and charges
    		             324,000 416,000 441,000 411,000 176,750 418,000 168,000 120,000 848,000 895,000 758,000 126,000 74,000 
      deposits, includes payments to related parties of 41 and 167 for the three and nine months ended september 30, 2021, respectively, and 184 and 862 for the three and nine months ended september 30, 2020, respectively.
    		                 1,218,500 1,285,000        
      deposits, includes payments to related parties of 40 and 126 for the three and six months ended june 30, 2021, respectively, and 295 and 459 for the three and six months ended june 30, 2020, respectively.
    		                   1,582,000       
      deposits, includes payments to related parties of 86 and 383 for the three ended march 31, 2021 and march 31, 2020, respectively.
    		                    2,006,000      
      deposits, includes payments to related parties of 184 and 862 for the three and nine months ended september 30, 2020, respectively, and 479 and 1,448 for the three and nine months ended september 30, 2019, respectively.
    		                     2,300,250 2,634,000    
      deposits, includes payments to related parties of 295 and 678 for the three and six months ended june 30, 2020, respectively, and 459 and 976 for the three and six months ended june 30, 2019, respectively.
    		                       2,954,000   
      deposits, including 519 and 339 paid to related parties for the three months ended march 31, 2019 and 2018, respectively
    		                        3,243,000  
      loss on sale of investment securities available for sale
    		                          
      other real estate owned expenses
    		                        22,000  
      deposits, including 1,142 and 597 paid to related parties for the nine months ended september 30, 2018 and 2017, respectively
    		                         2,616,000 
      benefit from loan losses
    		                         495,000 
      net interest income after benefit from loan losses
    		                         13,997,000 
      other real estate expenses
    		                         7,000 
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-09-30 2019-06-30 2019-03-31 2018-12-31 2018-09-30 
                                    
        assets
      		                              
        cash and due from banks
      		20,182,000  25,724,000 26,843,000 27,836,000  23,462,000 19,294,000 12,361,000  13,767,000 18,619,000 14,477,000 19,963,000 14,774,000 14,776,000 14,955,000 42,914,000 23,650,000 19,691,000 22,678,000 18,456,000 20,138,000 15,636,000 9,578,000 11,093,000 12,253,000 11,611,000 10,431,000 10,982,000 
        interest-bearing deposits at other financial institutions
      		379,069,000  163,078,000 247,704,000 266,092,000  133,180,000 117,160,000 72,787,000  130,428,000 100,343,000 125,448,000 39,764,000                 
        federal funds sold
      		60,000 59,000 59,000 59,000 59,000 57,000 58,000 57,000 56,000 1,597,000 1,957,000 376,000 462,000 20,688,000 1,421,000 1,285,000 330,000 3,657,000 1,315,000 2,237,000 567,000 2,373,000 5,590,000 3,698,000 979,000 3,464,000 1,991,000 925,000 2,285,000 1,249,000 
        total cash and cash equivalents
      		399,311,000  188,861,000 274,606,000 293,987,000  156,700,000 136,511,000 85,204,000  146,152,000 119,338,000 140,387,000 80,415,000 37,062,000 250,884,000 313,786,000 183,395,000 323,998,000 308,666,000 318,022,000 146,910,000 205,517,000 199,713,000 174,870,000 55,078,000 79,528,000 38,351,000 34,723,000 40,725,000 
        investment securities available-for-sale
      		230,525,000 236,346,000 232,640,000 228,923,000 213,452,000 228,909,000 208,700,000                        
        restricted investments
      		8,691,000 6,648,000 7,057,000 7,043,000 7,031,000 5,563,000 5,895,000 4,930,000 4,441,000 5,016,000 4,340,000 3,803,000 4,215,000 7,362,000 3,627,000 3,615,000 3,602,000 3,498,000 3,498,000 3,478,000 3,478,000 3,958,000 3,958,000 4,085,000 4,274,000 4,007,000 4,137,000 2,484,000 2,503,000 3,126,000 
        loans held for sale
      		13,739,000 12,576,000 19,679,000 20,925,000 34,656,000 12,121,000 19,554,000 19,219,000 10,303,000 5,755,000 4,843,000 10,146,000 9,620,000 7,416,000 6,875,000 11,708,000 17,036,000 15,989,000 36,005,000 47,935,000 60,816,000 107,154,000 137,717,000 116,969,000 73,955,000 68,982,000 47,744,000 21,630,000 18,526,000 21,373,000 
        portfolio loans receivable, net of deferred fees and costs
      		3,026,431,000  2,821,983,000 2,739,808,000 2,678,406,000  2,107,522,000 2,021,588,000 1,964,525,000  1,861,929,000 1,837,041,000 1,786,109,000 1,728,592,000 1,648,001,000 1,607,677,000 1,526,256,000 1,523,982,000             
        less allowance for credit losses
      		-54,680,000  -53,045,000 -47,447,000 -48,454,000  -31,925,000 -30,832,000 -29,350,000  -28,279,000 -27,495,000 -26,216,000                  
        total portfolio loans held for investment
      		2,971,751,000  2,768,938,000 2,692,361,000 2,629,952,000  2,075,597,000 1,990,756,000 1,935,175,000  1,833,650,000 1,809,546,000 1,759,893,000 1,702,207,000 1,621,910,000 1,581,258,000 1,501,004,000 1,498,801,000             
        premises and equipment
      		17,732,000  15,304,000 14,863,000 15,085,000  5,959,000 5,551,000 4,500,000  5,297,000 5,494,000 5,367,000 3,386,000 3,212,000 3,315,000 2,977,000 3,282,000 3,690,000 4,134,000 4,004,000 4,464,000 5,021,000 5,544,000 5,641,000 6,667,000 7,202,000 7,735,000 2,975,000 2,842,000 
        accrued interest receivable
      		16,795,000  19,011,000 15,149,000 19,458,000  12,468,000 12,162,000 12,258,000  11,231,000 10,155,000 9,985,000 9,489,000 7,890,000 7,276,000 7,512,000 7,901,000 7,828,000 7,786,000 8,104,000 8,134,000 7,678,000 6,865,000 5,052,000 4,636,000 4,649,000 4,523,000 4,462,000 4,161,000 
        goodwill
      		25,969,000  25,969,000 22,478,000 24,085,000                          
        intangible assets
      		14,511,000  13,457,000 13,668,000 13,861,000                          
        loan servicing assets
      		1,957,000  2,070,000 2,221,000 2,244,000                          
        deferred tax asset
      		15,187,000  14,885,000 15,667,000 15,902,000  10,748,000 12,150,000 12,311,000  13,644,000 13,616,000 12,898,000 13,777,000 14,047,000 12,929,000 12,366,000 9,793,000    6,818,000         
        bank owned life insurance
      		45,871,000  45,105,000 44,721,000 44,335,000  38,779,000 38,414,000 38,062,000  37,315,000 37,041,000 36,781,000 36,524,000 36,267,000 36,011,000 35,758,000 35,506,000 35,268,000 35,004,000           
        other assets
      		46,428,000  34,890,000 34,410,000 34,062,000  25,791,000 9,637,000 8,093,000  9,207,000 9,173,000 8,341,000 8,435,000 5,954,000 5,232,000 4,370,000 4,064,000 1,900,000 2,315,000 3,899,000 2,956,000 2,285,000 3,025,000 4,865,000 3,403,000 3,442,000 2,521,000 2,091,000 3,606,000 
        total assets
      		3,808,467,000 3,348,674,000 3,389,442,000 3,388,662,000 3,349,805,000 2,554,049,000 2,560,788,000 2,438,583,000 2,324,238,000 2,188,299,000 2,272,484,000 2,227,866,000 2,245,286,000 2,123,655,000 2,009,358,000 2,154,846,000 2,122,453,000 2,055,300,000 2,169,556,000 2,151,850,000 2,091,851,000 1,876,593,000 1,879,029,000 1,822,365,000 1,507,847,000 1,311,406,000 1,234,157,000 1,123,752,000 1,105,058,000 1,072,905,000 
        liabilities
      		                              
        deposits
      		                              
        noninterest-bearing
      		871,677,000  857,543,000 836,979,000 812,224,000  718,120,000 684,574,000 665,812,000  680,803,000 693,129,000 705,801,000 674,313,000 806,033,000 842,363,000 825,174,000 787,650,000             
        interest-bearing
      		2,420,370,000  2,054,510,000 2,103,759,000 2,079,109,000  1,468,104,000 1,415,854,000 1,339,883,000  1,287,185,000 1,241,232,000 1,238,573,000 1,083,759,000 931,558,000 1,046,557,000 1,037,548,000 1,009,487,000             
        total deposits
      		3,292,047,000  2,912,053,000 2,940,738,000 2,891,333,000  2,186,224,000 2,100,428,000 2,005,695,000  1,967,988,000 1,934,361,000 1,944,374,000 1,758,072,000 1,737,591,000 1,888,920,000 1,862,722,000 1,797,137,000 1,921,238,000 1,917,419,000 1,863,069,000 1,652,128,000 1,662,211,000 1,608,726,000 1,302,913,000 1,112,444,000 1,037,004,000 967,722,000 955,240,000 911,116,000 
        federal home loan bank advances
      		50,000,000  22,000,000 22,000,000 22,000,000  52,000,000 32,000,000 22,000,000  22,000,000 22,000,000 32,000,000 107,000,000 22,000,000 22,000,000 22,000,000 22,000,000 22,000,000 22,000,000 22,000,000 22,000,000 22,222,000 25,556,000 28,889,000 35,556,000 38,889,000  2,000,000 17,000,000 
        other borrowed funds
      		2,062,000  12,062,000 12,062,000 12,062,000  12,062,000 12,062,000 12,062,000  12,062,000 12,062,000 12,062,000 12,062,000 12,062,000 12,062,000 12,062,000 12,062,000 12,062,000 12,062,000 12,062,000 14,016,000 17,516,000 17,392,000 15,430,000 15,416,000 15,409,000 15,401,000 15,393,000 15,386,000 
        accrued interest payable
      		8,944,000  8,045,000 8,158,000 9,995,000  8,503,000 6,573,000 6,009,000  5,204,000 3,029,000 1,977,000 1,031,000 481,000 300,000 480,000 473,000 839,000 959,000 1,210,000 1,134,000 1,523,000 1,284,000 1,678,000 2,113,000 2,039,000 1,970,000 1,565,000 1,672,000 
        other liabilities
      		46,555,000  40,512,000 25,669,000 44,838,000  21,888,000 19,666,000 19,007,000  22,352,000 18,979,000 20,356,000 21,475,000 23,219,000 24,248,000 23,697,000 25,725,000 24,337,000 22,206,000 26,507,000 28,004,000 26,180,000 27,299,000 22,857,000 18,048,000 17,698,000 17,099,000 10,964,000 9,835,000 
        total liabilities
      		3,399,608,000  2,994,672,000 3,008,627,000 2,980,228,000  2,280,677,000 2,170,729,000 2,064,773,000  2,029,606,000 1,990,431,000 2,010,769,000 1,899,640,000 1,795,353,000 1,947,530,000 1,920,961,000 1,857,397,000 1,980,476,000 1,974,646,000 1,924,848,000 1,717,282,000 1,729,652,000 1,680,257,000 1,371,767,000 1,183,577,000 1,111,039,000 1,005,202,000 990,494,000 966,248,000 
        stockholders' equity
      		                              
        common stock, 0.01 par value...
      		163,000  166,000 166,000 167,000  139,000 139,000 139,000                      
        additional paid-in capital
      		112,268,000  127,359,000 126,888,000 128,692,000  55,585,000 55,005,000 54,229,000  54,549,000 55,856,000 57,277,000 58,190,000 56,532,000 55,762,000 55,226,000 54,306,000 52,123,000 51,487,000 51,042,000 50,602,000 49,866,000 51,052,000 50,786,000 50,585,000 50,071,000 49,825,000 49,321,000 44,911,000 
        retained earnings
      		302,808,000  274,041,000 261,093,000 249,925,000  232,995,000 225,824,000 218,731,000  206,033,000 197,490,000 191,058,000 182,435,000 174,916,000 164,750,000 153,949,000 144,533,000 135,906,000 125,431,000 115,805,000 106,854,000 97,580,000 89,151,000 84,389,000 77,095,000 72,940,000 68,918,000 65,701,000 62,482,000 
        accumulated other comprehensive loss
      		-6,380,000  -6,796,000 -8,112,000 -9,207,000  -8,608,000 -13,114,000 -13,634,000  -17,843,000 -16,051,000 -13,959,000 -16,751,000 -17,583,000 -13,336,000 -7,823,000          -30,000 -330,000 -595,000 -868,000 
        total stockholders' equity
      		408,859,000  394,770,000 380,035,000 369,577,000  280,111,000 267,854,000 259,465,000  242,878,000 237,435,000 234,517,000 224,015,000 214,005,000 207,316,000 201,492,000 197,903,000 189,080,000 177,204,000 167,003,000 159,311,000 149,377,000 142,108,000 136,080,000 127,829,000 123,118,000 118,550,000 114,564,000 106,657,000 
        total liabilities and stockholders' equity
      		3,808,467,000  3,389,442,000 3,388,662,000 3,349,805,000  2,560,788,000 2,438,583,000 2,324,238,000  2,272,484,000 2,227,866,000 2,245,286,000 2,123,655,000 2,009,358,000 2,154,846,000 2,122,453,000 2,055,300,000 2,169,556,000 2,151,850,000 2,091,851,000 1,876,593,000 1,879,029,000 1,822,365,000 1,507,847,000 1,311,406,000 1,234,157,000 1,123,752,000 1,105,058,000 1,072,905,000 
        interest earning assets:
      		                              
        interest-bearing deposits
      		 194,080,000    98,319,000    70,407,000                     
        portfolio loans receivable
      		 2,765,758,000    2,142,638,000    1,815,595,000                     
        total interest earning assets
      		 3,215,467,000    2,487,607,000    2,145,209,000                     
        noninterest earning assets
      		 133,207,000    66,442,000    43,090,000                     
        liabilities and stockholders’ equity
      		                              
        interest-bearing liabilities:
      		                              
        interest-bearing demand accounts
      		 269,224,000    221,437,000    201,194,000                     
        savings
      		 12,789,000    6,732,000    5,768,000                     
        money market accounts
      		 960,882,000    704,002,000    642,013,000                     
        time deposits
      		 825,847,000    561,369,000    360,464,000                     
        borrowed funds
      		 37,196,000    63,686,000    59,302,000                     
        total interest-bearing liabilities
      		 2,105,938,000    1,557,226,000    1,268,741,000                     
        noninterest-bearing liabilities:
      		                              
        noninterest-bearing liabilities
      		 53,197,000    34,043,000    24,026,000                     
        noninterest-bearing deposits
      		 811,798,000    675,360,000    655,013,000                     
        stockholders’ equity
      		 377,741,000    287,420,000    240,519,000                     
        total liabilities and stockholders’ equity
      		 3,348,674,000    2,554,049,000    2,188,299,000                     
        net interest spread
      		 5,030    4,810    5,250                     
        net interest income
      		 195,992,000    154,746,000    141,526,000                     
        net interest margin
      		 6,100    6,220    6,600                     
        core deposit intangibles
      		  1,576,000 1,627,000 1,695,000                          
        accounts receivable
      		      597,000 1,336,000 11,637,000                      
        investment securities available for sale
      		       207,917,000 202,254,000  206,055,000 208,464,000 255,762,000 252,481,000 269,620,000 226,509,000 172,712,000 184,455,000 189,165,000 160,515,000 128,023,000 99,787,000 53,992,000 56,796,000 59,524,000 37,073,000 39,157,000 46,080,000 46,932,000 48,067,000 
        investment securities
      		         245,466,000                     
        sba-ppp loans receivable
      		         1,373,000                     
        u.s. small business administration (“sba”) payroll protection program (“ppp”) loans receivable, net of fees and costs
      		          750,000 1,090,000 2,037,000                  
        common stock, .01 par value...
      		          139,000 140,000 141,000 141,000 140,000 140,000 140,000 140,000 138,000 138,000 138,000 138,000 137,000 138,000 138,000 138,000 137,000 137,000 137,000 132,000 
        marketable equity securities
      		              232,000 245,000 245,000 245,000 245,000 245,000 245,000          
        u.s. small business administration ("sba") payroll protection program ("ppp") loans receivable, net of deferred fees and costs
      		             2,163,000    108,285,000             
        less allowance for loan losses
      		             -26,385,000 -26,091,000 -26,419,000 -25,252,000 -25,181,000             
        foreclosed real estate
      		                 86,000 3,236,000 3,236,000 3,293,000 3,326,000 3,326,000 3,326,000 3,402,000 149,000 149,000 149,000 142,000 246,000 
        interest bearing deposits at other financial institutions
      		              20,867,000 234,823,000 298,501,000 136,824,000 299,033,000 286,738,000 294,777,000 126,081,000 179,789,000 180,379,000 164,313,000 40,521,000 65,284,000 25,815,000 22,007,000 28,494,000 
        small business administration payroll protection program loans receivable, net of fees and costs
      		              2,662,000 15,864,000 51,085,000              
        accumulated other comprehensive income
      		                 -1,076,000 913,000 148,000 18,000 1,717,000 1,794,000 1,767,000 767,000 11,000     
        small business administration payroll protection program loans receivable, net of fees
      		                  137,178,000            
        portfolio loans receivable, net of deferred fees and costs and net of allowance for loan losses of 24,753 and 23,434
      		                  1,420,373,000            
        deferred income taxes
      		                  7,172,000 7,381,000 7,430,000  3,589,000 3,599,000 3,979,000 3,556,000 3,504,000 3,612,000 3,654,000 3,710,000 
        noninterest-bearing, including related party balances of 38,514 and 17,848
      		                  833,187,000            
        interest-bearing, including related party balances of 83,963 and 130,586
      		                  1,088,051,000            
        small business administration payroll protection program (“sba-ppp”) loans receivable, net of fees
      		                   202,763,000 265,712,000  233,349,000 229,646,000       
        portfolio loans receivable, net of deferred fees and costs and net of allowance for loan losses of 24,079 and 23,434
      		                   1,368,392,000           
        noninterest-bearing, including related party balances of 36,135 and 17,848
      		                   828,308,000           
        interest-bearing, including related party balances of 76,060 and 130,586
      		                   1,089,111,000           
        portfolio loans receivable, net of deferred fees and costs and net of allowance for loan losses of 23,550 and 23,434
      		                    1,288,825,000          
        noninterest-bearing, including related party balances of 14,352 and 17,878
      		                    771,924,000          
        interest-bearing, including related party balances of 91,504 and 125,304
      		                    1,091,145,000          
        u.s. small business administration ("sba") payroll protection program ("ppp") loans receivable, net of fees
      		                     201,018,000         
        portfolio loans receivable, net of deferred fees and costs and net of allowance for loan losses of 23,434 and 13,301
      		                     1,292,068,000         
        noninterest-bearing, including related party balances of 17,848 and 16,009
      		                     608,559,000         
        interest-bearing, including related party balances of 130,586 and 125,304
      		                     1,043,569,000         
        portfolio loans receivable, net of deferred fees and costs and net of allowance for loan losses of 22,016 and 13,301
      		                      1,222,597,000        
        noninterest-bearing, including related party balances of 20,821 and 16,009
      		                      596,239,000        
        interest-bearing, including related party balances of 126,703 and 125,304
      		                      1,065,972,000        
        portfolio loans receivable, net of deferred fees and costs and net of allowance for loan losses of 18,680 and 13,301 at june 30, 2020 and december 31, 2019, respectively
      		                       1,192,797,000       
        noninterest-bearing, including related party balances of 17,734 and 16,009 at june 30, 2020 and december 31, 2019, respectively
      		                       563,995,000       
        interest-bearing, including related party balances of 128,655 and 125,304 at june 30, 2020 and december 31, 2019, respectively
      		                       1,044,731,000       
        preferred stock, .01 par value...
      		                              
        loans receivable, net of allowance for loan losses of 15,514 and 13,301 at march 31, 2020 and december 31, 2019, respectively
      		                        1,172,285,000      
        noninterest-bearing, including related party balances of 12,558 and 16,009 at march 31, 2020 and december 31, 2019, respectively
      		                        363,423,000      
        interest-bearing, including related party balances of 119,204 and 125,304 at march 31, 2020 and december 31, 2019, respectively
      		                        939,490,000      
        loans receivable, net of allowance for loan losses of 12,808 and 11,308 at september 30, 2019 and december 31, 2018, respectively
      		                         1,127,502,000     
        prepaid income taxes
      		                         353,000 268,000 86,000 90,000 529,000 
        noninterest-bearing, including related party balances of 12,128 and 11,214 at september 30, 2019 and december 31, 2018, respectively
      		                         293,378,000     
        interest-bearing, including related party balances of 127,964 and 144,624 at september 30, 2019 and december 31, 2018, respectively
      		                         819,066,000     
        securities sold under agreements to repurchase
      		                           3,010,000 3,332,000 11,239,000 
        federal funds purchased
      		                            2,000,000  
        loans receivable, net of allowance for loan losses of 11,913 and 11,308 at june 30, 2019 and december 31, 2018, respectively
      		                          1,044,377,000    
        noninterest-bearing, including related party balances of 10,055 and 11,214 at june 30, 2019 and december 31, 2018, respectively
      		                          279,484,000    
        interest-bearing, including related party balances of 119,185 and 144,624 at june 30, 2019 and december 31, 2018, respectively
      		                          757,520,000    
        loans receivable, net of allowance for loan losses of 11,347 and 11,308 at march 31, 2019 and december 31, 2018, respectively
      		                           996,581,000   
        noninterest-bearing, including related party balances of 14,882 and 11,214 for the periods ended march 31, 2019 and december 31, 2018, respectively
      		                           262,235,000   
        interest-bearing, including related party balances of 122,323 and 144,624 for the periods ended march 31, 2019 and december 31, 2018, respectively
      		                           705,487,000   
        loans receivable, net of allowance for loan losses of 11,308 and 10,033 at december 31, 2018 and 2017, respectively
      		                            988,960,000  
        noninterest bearing, including related party balances of 11,214 and 18,316 for the periods ended december 31, 2018 and 2017, respectively
      		                            242,259,000  
        interest bearing, including related party balances of 144,624 and 159,656 for the periods ended december 31, 2018 and 2017, respectively
      		                            712,981,000  
        loans receivable, net of allowance for loan losses of 10,892 and 10,033, at september 30, 2018 and december 31, 2017, respectively
      		                             944,520,000 
        noninterest bearing, including related party balances of 11,788 and 18,316 for the periods ended september 30, 2018 and december 31, 2017, respectively
      		                             234,094,000 
        interest bearing, including related party balances of 123,696 and 159,656 for the periods ended september 30, 2018 and december 31, 2017, respectively
      		                             677,022,000 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-09-30 2019-06-30 2019-03-31 
                                    
          cash flows from operating activities
        		                            
          net income
        		12,018,000 15,037,000 15,065,000 13,136,000 13,932,000 7,533,000 8,672,000 8,205,000 6,562,000 9,030,000 9,788,000 7,318,000 9,735,000 8,990,000 11,095,000 11,508,000 10,211,000 10,171,000 11,178,000 9,647,000 8,982,000 9,689,000 8,439,000 4,761,000 2,934,000 4,481,000 4,023,000 3,319,000 
          adjustments to reconcile net income to net cash from operating activities:
        		                            
          provision for credit losses
        		3,014,000  4,650,000 4,081,000 2,246,000 -9,833,000 3,748,000 3,417,000 2,727,000 -6,714,000 2,299,000 2,843,000 1,660,000                
          provision for credit losses on unfunded commitments
        		205,000                            
          provision for mortgage put-back reserve
        		16,000    16,000    13,000  4,000 3,000 5,000  4,000              
          net amortization on investment securities available-for-sale
        		-92,000  -91,000 17,000 35,000                        
          premises and equipment depreciation
        		724,000  376,000 309,000 215,000  79,000 82,000 85,000  96,000 66,000 73,000                
          lease asset amortization
        		433,000  431,000 424,000 419,000  -1,131,000 -104,000 238,000  291,000 -161,000 266,000                
          amortization of intangible assets
        		260,000  262,000 261,000 261,000                        
          increase in cash surrender value of boli
        		-383,000  -384,000 -386,000 -379,000  -365,000 -352,000 -351,000  -274,000 -260,000 -257,000                
          net decrease in loan servicing assets
        		-141,000                            
          executive long-term incentive plan expense
        		207,000  206,000 333,000 143,000  143,000 136,000 149,000  152,000                  
          stock-based compensation expense
        		512,000 378,000 823,000 0 407,000 473,000 475,000 475,000 472,000 440,000 441,000 438,000 438,000 415,000 415,000 415,000 417,000 341,000 375,000 298,000 333,000 247,000 248,000 244,000 244,000 199,000 199,000 199,000 
          director and employee compensation paid in company stock
        		255,000 196,000 433,000 518,000 78,000 -6,000 0 8,000 515,000 12,000 0 -12,000 547,000             0 0 150,000 
          deferred income tax expense
        		-436,000             -24,000 318,000 978,000 -32,000  -335,000 -2,000 245,000       -58,000 
          decrease in valuation of loans held for sale carried at fair value
        		30,000   -12,000 -63,000            -1,790,000            
          proceeds from sales of loans held for sale
        		88,430,000  68,462,000 117,651,000 81,462,000  66,259,000 57,506,000 37,555,000  42,886,000 59,747,000 42,238,000 39,103,000 66,343,000 91,273,000 111,830,000 166,653,000 233,583,000 283,655,000 407,855,000  424,671,000 282,270,000 181,513,000 181,681,000 112,237,000 74,068,000 
          originations of loans held for sale
        		-75,448,000  -67,232,000 -121,576,000 -72,909,000  -66,567,000 -66,417,000 -40,377,000  -37,583,000 -60,273,000 -44,448,000 -43,956,000 -60,516,000 -84,417,000 -111,087,000 -164,361,000 -217,189,000 -265,503,000 -353,774,000  -431,059,000 -315,165,000 -180,421,000 -198,019,000 -134,636,000 -74,796,000 
          government lending revenue
        		-923,000  -14,000 -3,112,000 -1,096,000                        
          changes in assets and liabilities:
        		                            
          accrued interest receivable
        		-100,000 2,200,000 -3,862,000 4,309,000 -2,794,000 1,252,000 -306,000 96,000 -764,000           318,000 30,000 2,706,000 -813,000 -1,813,000 -282,000 13,000 -126,000 -61,000 
          taxes payable
        		3,461,000  8,565,000 -17,587,000 4,037,000  -496,000 -322,000 489,000                    
          other assets
        		306,000 342,000 627,000 651,000 -1,657,000 15,984,000 -16,183,000 -1,523,000 1,697,000           1,584,000 -943,000  740,000 1,840,000 -2,347,000 39,000 -921,000 -430,000 
          accrued interest payable
        		199,000 1,304,000 -113,000 -1,837,000 602,000 -3,170,000 1,930,000 564,000 426,000           -251,000 76,000 239,000 239,000 -394,000 -123,000 74,000   
          other liabilities
        		-10,771,000 2,446,000 4,766,000 -2,027,000 -5,670,000 -1,097,000 2,538,000 826,000 -2,461,000           -4,309,000 -1,668,000 -5,192,000 -1,520,000 4,286,000 2,409,000 244,000 453,000 904,000 
          net cash from operating activities
        		21,776,000 -28,327,000 32,900,000 -4,213,000 22,581,000 10,804,000 -464,000 12,898,000 -3,412,000 -30,628,000 22,466,000 8,403,000 10,356,000 6,038,000 15,824,000 20,347,000 9,181,000 29,543,000 26,405,000 21,505,000 54,623,000 42,710,000   3,065,000   1,789,000 
          capital expenditures
        		0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0   0   0 
          free cash flows
        		21,776,000 -28,327,000 32,900,000 -4,213,000 22,581,000 10,804,000 -464,000 12,898,000 -3,412,000 -30,628,000 22,466,000 8,403,000 10,356,000 6,038,000 15,824,000 20,347,000 9,181,000 29,543,000 26,405,000 21,505,000 54,623,000 42,710,000   3,065,000   1,789,000 
          cash flows from investing activities
        		                            
          purchases of securities available-for-sale
        		-9,490,000  -3,320,000 -31,600,000 -240,000                        
          proceeds from calls and maturities of securities available-for-sale
        		8,326,000  1,434,000 17,551,000 13,374,000                        
          net purchases of restricted investments
        		-294,000  -14,000 -12,000 -2,552,000                        
          net increase in portfolio loans receivable
        		-69,968,000  -84,939,000 -45,710,000 -71,467,000  -88,589,000 -58,998,000 -63,224,000  -26,384,000 -52,516,000 -60,149,000                
          net purchases of premises and equipment
        		-643,000  -1,248,000    644,000    -190,000                 111,000 
          net cash from investing activities
        		-72,069,000  -88,087,000 -60,282,000 -61,079,000  -83,747,000 -65,505,000 -57,640,000    -58,706,000  -77,742,000 -108,825,000 56,081,000  -14,451,000 -85,310,000 -92,574,000 299,383,000       
          cash flows from financing activities
        		                            
          net increase in:
        		                            
          noninterest-bearing deposits
        		18,936,000  20,564,000 24,755,000 1,296,000  33,546,000 18,762,000 48,439,000  -12,326,000 -12,672,000 31,488,000  -36,330,000 17,189,000 37,524,000  4,879,000 56,384,000 163,365,000  32,243,000 200,572,000 71,646,000    
          interest-bearing deposits
        		179,911,000  -49,249,000 24,650,000 128,098,000  52,250,000 75,971,000 61,260,000  45,953,000 2,659,000 154,814,000  -114,999,000 9,009,000 28,061,000  -1,060,000 -2,034,000 47,576,000  21,241,000 105,241,000 5,846,000    
          dividends paid
        		-1,959,000 -1,981,000 -1,991,000 -1,658,000 -1,666,000 -1,657,000 -1,391,000 -1,112,000 -1,115,000 -1,112,000 -1,115,000 -843,000 -850,000  -842,000 -700,000 -700,000            
          repurchase of common stock
        		-3,557,000 -8,556,000 312,000 -2,869,000 -618,000 0 0 0 -1,399,000 -1,890,000 -1,902,000 -2,315,000 -2,719,000         -922,000 -1,501,000 -14,000 -1,283,000    
          net proceeds from exercise of stock
        		708,000 1,073,000                           
          net cash from financing activities
        		194,039,000  -30,558,000 45,114,000 127,153,000  104,400,000 103,914,000 92,292,000  30,633,000 -22,748,000 108,322,000  -151,903,000 25,575,000 65,129,000  3,378,000 54,449,000 209,063,000  48,705,000 304,421,000 72,976,000    
          net increase in cash and cash equivalents
        		143,746,000 14,472,000 -85,745,000 -19,381,000 88,655,000 -100,877,000 20,189,000 51,307,000 31,240,000 -62,510,000 26,814,000 -21,049,000 59,972,000  -213,821,000 -62,903,000 130,391,000  15,332,000 -9,356,000 171,112,000 -90,307,000 5,804,000 24,843,000 60,046,000   3,628,000 
          cash and cash equivalents, beginning of year
        		255,565,000 -199,974,000 0 0 205,332,000 -50,465,000 0 0 53,964,000 -80,143,000 0 0 80,415,000  -1,000 1,000 183,395,000  0 0 146,910,000 -112,433,000 0 0 114,824,000   34,723,000 
          cash and cash equivalents, end of period
        		399,311,000  -85,745,000 -19,381,000 293,987,000  20,189,000 51,307,000 85,204,000  26,814,000 -21,049,000 140,387,000  -213,822,000 -62,902,000 313,786,000  15,332,000 -9,356,000 318,022,000  5,804,000 24,843,000 174,870,000    
          noncash investing and financing activities:
        		                            
          recognition of right-of-use lease asset and lease liability
        		3,174,000                            
          change in unrealized gains on investments
        		-814,000  1,740,000 1,439,000 2,991,000  5,929,000 684,000 -589,000          1,051,000    38,000     370,000 
          goodwill measurement period adjustment
        		  3,305,000 -1,607,000 2,959,000                        
          cash paid during the period for:
        		                            
          taxes
        		40,000  -875,000 16,807,000 8,000  17,000 18,000 36,000  2,123,000 5,546,000 35,000  3,618,000 5,108,000 71,000  3,456,000    7,145,000     1,000 
          interest
        		18,373,000  12,984,000 18,777,000 16,111,000  12,326,000 12,994,000 12,935,000  8,756,000 10,751,000 5,920,000  1,483,000 1,335,000 1,064,000  1,589,000    2,911,000     3,169,000 
          (release of) provision for credit losses
        		                            
          undistributed net income of subsidiaries
        		                            
          net decrease in portfolio loans receivable
        		                            
          capital contributions to subsidiaries
        		                            
          cash paid from acquisitions
        		                            
          net cash (used) provided by investing activities
        		                            
          repayment of debt
        		                            
          net cash used by financing activities
        		                            
          cash and cash equivalents, end of year
        		                           38,351,000 
          provision for (release of) mortgage put-back reserve
        		  19,000                          
          valuation allowance on derivatives
        		  -35,000 702,000 28,000  29,000         -21,000 60,000            
          increase in valuation of loans held for sale carried at fair value
        		      -27,000    0 0 6,000  -994,000              
          federal home loan bank advances
        		      20,000,000                -3,334,000 -3,333,000 -3,333,000   -2,000,000 
          other borrowed funds
        		      0 0 -15,000,000           0 -1,954,000  -1,000      
          net change in loan servicing assets
        		   23,000 3,267,000                        
          deferred income tax benefit
        		   -109,000 1,000  -21,000 -3,000 -7,000   -11,000 -65,000         -18,000 -1,000 0 -2,000 -68,000   
          net proceeds from exercise of stock options
        		   236,000 43,000 682,000 -5,000 293,000 107,000 756,000 23,000 423,000 589,000  268,000 77,000 244,000            
          net (purchases) sales of premises and equipment
        		    -194,000                        
          (release of) provision for mortgage put-back reserve
        		      20,000                      
          net amortization on investments
        		      -17,000 10,000 60,000  103,000 13,000 -34,000           68,000 68,000 50,000 32,000 31,000 
          accounts receivable
        		      739,000 10,301,000 -10,582,000                    
          net (purchases) sales of restricted investments
        		      -965,000 -489,000 -88,000                    
          provision for (release of) credit losses on unfunded commitments
        		                            
          purchases of securities available for sale
        		       -7,632,000 -15,362,000      -50,536,000    -30,354,000 -103,831,000 -35,487,000     0   
          proceeds from calls and maturities of securities available for sale
        		       2,643,000 20,788,000                    
          provision for (reversal of) credit losses on unfunded commitments
        		        142,000                    
          gain on sale of securities available for sale
        		            1,000     0 0          
          net sales (purchases) of premises and equipment
        		        246,000                    
          federal home loan bank repayments
        		                            
          net cash provided (used) by investing activities
        		                            
          loss on marketable equity securities
        		                            
          valuation decrease on derivatives
        		          0 -1,000 9,000                
          gain on sale of foreclosed real estate
        		                -20,000            
          decrease in accrued interest receivable
        		          -1,076,000 -170,000 -496,000  -614,000 236,000 389,000            
          increase in taxes payable
        		          821,000 -3,298,000 2,927,000                
          increase in other assets
        		          -34,000      -231,000            
          increase in accrued interest payable
        		          2,175,000 1,052,000 946,000                
          increase in other liabilities
        		                -2,013,000            
          proceeds from maturities, calls and paydowns of securities available for sale
        		          486,000 44,485,000 490,000                
          net sales (purchases) of restricted investments
        		          -537,000 412,000 3,147,000                
          net decrease in sba-ppp loans receivable
        		          340,000 947,000 126,000                
          proceeds from sales of foreclosed real estate
        		              0 0 106,000  1,000       0 0 50,000 
          noncash activities:
        		                            
          change in unrealized losses on investments
        		            3,736,000  -5,684,000 -7,054,000 -9,288,000            
          reversal of reserve for unfunded commitments
        		            -19,000                
          decrease in other liabilities
        		           1,931,000 -3,414,000  -1,082,000              
          net cash from by investing activities
        		                            
          net federal home loan bank advances
        		           -10,000,000 -75,000,000                
          change in unrealized gain (losses) on investments
        		                            
          executive long term incentive plan expense
        		            152,000                
          decrease in other assets
        		            86,000  -689,000              
          net changes in premises and equipment
        		            -2,320,000                
          benefit from loan losses
        		                        2,409,000 1,071,000   
          benefit from mortgage put-back reserve
        		                            
          release of off balance sheet credit risk
        		                            
          (gain) loss on sales of foreclosed real estate
        		                            
          loss on disposal of premises and equipment
        		                            
          see notes to consolidated financial statements
        		                            
          62
        		                            
          operating activities
        		                            
          provision for loan losses
        		              1,260,000 2,035,000 952,000  975,000 781,000 503,000  3,500,000     121,000 
          reversal of provision for off balance sheet credit commitments
        		              51,000              
          amortization on investments
        		              -12,000 200,000 332,000  141,000 121,000 96,000        
          depreciation and amortization
        		              341,000 355,000 394,000  27,000 526,000 460,000  523,000 356,000 522,000    
          increase in cash surrender value of bank-owned life insurance policies
        		              -256,000 -253,000 -252,000            
          employee compensation paid in company stock
        		              0 37,000 164,000            
          loss on sale of foreclosed real estate
        		              0    0          
          investing activities
        		                            
          proceeds from sale of securities available for sale
        		                  0       0   
          (purchases) sales of restricted investments
        		              -12,000 -13,000 -104,000            
          purchases of bank-owned life insurance
        		                            
          decrease in sba-ppp loans receivable
        		              13,202,000 35,221,000 57,200,000            
          increase in portfolio loans receivable
        		              -41,912,000    -52,956,000          
          purchases of premises and equipment
        		              -238,000 -693,000 -89,000  417,000          
          financing activities
        		                            
          repayment of advances from federal reserve bank
        		                            
          decrease in accrued interest payable
        		               -180,000 7,000            
          proceeds from maturities, calls and principal paydowns of securities available for sale
        		               1,491,000 2,123,000            
          provision for (reversal of) off balance sheet credit commitments
        		                -150,000            
          decrease in portfolio loans receivable
        		                -3,155,000    2,773,000        
          benefit from (release of) off balance sheet credit risk
        		                            
          amortization of debt issuance cost
        		                            
          loss on sales of foreclosed real estate
        		                            
          61
        		                            
          provision for losses on mortgage loans sold
        		                  69,000 86,000 124,000  213,000     24,000 
          director and employee compensation paid in stock
        		                  0    0      
          amortization of debt issuance expense
        		                      125,000 7,000 7,000 7,000 8,000 8,000 
          mortgage banking revenue
        		                  -4,465,000 -5,270,000 -7,743,000  -14,360,000 -10,119,000 -4,017,000 -4,900,000 -3,715,000 -2,376,000 
          maturities, calls and principal paydowns of securities available for sale
        		                  2,614,000 5,018,000 4,599,000  4,762,000 4,040,000 2,276,000 2,091,000 12,253,000 1,191,000 
          sales of restricted investments
        		                            
          (repayment of) advances from federal reserve bank
        		                            
          loans transferred to foreclosed real estate
        		                      -75,000     57,000 
          provision for off balance sheet credit risk
        		                   -77,000 47,000  188,000      
          sales (purchases) of restricted investments
        		                   0 235,000    -308,000   19,000 
          purchases of bank owned life insurance
        		                            
          increase in sba-ppp loans receivable
        		                   62,949,000 -64,694,000        
          proceeds from exercise of stock options
        		                   99,000 76,000 765,000 57,000 0 100,000   107,000 
          adjustments to reconcile net income to net cash used by operating activities:
        		                            
          decrease in receivable from bank
        		                            
          amortization of debt issuance costs
        		                            
          prepaid income taxes
        		                            
          net increase in loans receivable
        		                        -17,892,000    
          net cash provided used in financing activities
        		                            
          prepaid income taxes and taxes payable
        		                         -85,000 -182,000 4,000 
          disposals (purchases) of premises and equipment
        		                            
          securities sold under agreements to repurchase
        		                           -322,000 
          federal funds purchased
        		                            
          change in fair value of cash flow hedging derivative
        		                           -5,000 
          establishment of lease right-of-use asset
        		                           5,158,000 
          establishment of lease liability
        		                           5,358,000 
          net cash used by operating activities
        		                            
          purchases of restricted investments
        		                         130,000   
          net increase in sba-ppp loans receivable
        		                            
          net disposals (purchases) of premises and equipment
        		                       -259,000 -71,000    
          net cash used by investing activities
        		                       -249,487,000 -15,995,000 -81,715,000 -42,544,000 -6,428,000 
          benefit from losses on mortgage loans sold
        		                        106,000 61,000   
          benefit from (recovery of) off balance sheet credit risk
        		                        45,000    
          adjustments to reconcile net income to net cash provided (used) by operating activities:
        		                            
          benefit from off balance sheet credit risk
        		                         45,000   
          depreciation
        		                         275,000 282,000 287,000 
          (gain) loss on sale of securities available for sale
        		                         0   
          net cash provided (used) by operating activities
        		                         -14,832,000   
          7
        		                            
          increase in loans receivable
        		                          -48,473,000 -7,799,000 
          net (purchases) disposals of premises and equipment
        		                            
          6
        		                            
          provision (recovery) for off balance sheet credit risk
        		                           -10,000 
          loss on sale of securities available for sale
        		                            
          interest payable
        		                           405,000 
          noninterest bearing deposits
        		                           19,976,000 
          interest bearing deposits
        		                           -7,494,000 
          federal funds sold
        		                           -2,000,000 
          net cash provided (used) by financing activities
        		                           8,267,000 
          net amortization (accretion) on investments
        		                            
          losses on sales of foreclosed real estate
        		                            
          sales of loans held for sale