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Consolidated Statements of Cash Flows - USD ($)
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Cash Flows from Operating Activities:      
Net Income (Loss) Attributable to Parent, Total $ 5,094,000 $ (3,819,000) $ (2,817,000)
Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities:      
Amortization and accretion of investment premiums and discounts, net 267,000 269,000 7,000
Amortization and accretion of purchase loan premiums and discounts, net 2,087,000 816,000 997,000
Amortization of debt issuance costs 111,000 112,000 112,000
Amortization of core deposit intangible 47,000 74,000 75,000
Amortization of servicing assets of sold SBA loans 67,000 22,000 16,000
Impairment of intangible assets 0 206,000 0
Purchase price adjustment expense related to acquisition activity 0 556,000 0
(Credit) provision for loan losses (500,000) 2,170,000 4,971,000
Depreciation and amortization 1,521,000 1,505,000 1,600,000
Gain on sales of available-for-sale securities (76,000) 0 0
Gain on sale of premises and equipment (550,000) 0 0
Share-based compensation 150,000 159,000 214,000
Increase in deferred income taxes, net (261,000) (323,000) (1,136,000)
Originations of SBA loans held for sale (16,574,000) (2,049,000) (26,947,000)
Proceeds from sale of SBA loans held for sale 16,267,000 12,160,000 12,556,000
Gains on sale of SBA loans held for sale, net (1,886,000) (566,000) (891,000)
Net (gain) loss on sale and write-down of other real estate owned (2,000) 69,000 94,000
Changes in assets and liabilities:      
Decrease (increase) in accrued interest and dividends receivable 798,000 (3,017,000) 163,000
Increase in other assets (2,124,000) (331,000) (1,180,000)
Increase (decrease) in accrued expenses and other liabilities 3,160,000 (1,732,000) 251,000
Net cash provided by (used in) operating activities 7,596,000 6,281,000 (11,915,000)
Cash Flows from Investing Activities:      
Proceeds from maturity or sales on available-for-sale securities 77,690,000 0 6,500,000
Principal repayments on available-for-sale securities 11,667,000 9,879,000 3,893,000
Purchases of available-for-sale securities (136,135,000) (11,248,000) (18,072,000)
Proceeds from maturity of other investments 0 0 513,000
(Purchases) redemptions of Federal Reserve Bank stock (60,000) 114,000 (31,000)
Redemptions (purchases) of Federal Home Loan Bank stock 319,000 (26,000) 451,000
Decrease in originated loans receivable, net 77,710,000 116,635,000 18,728,000
Purchases of loans receivable (89,338,000) (32,785,000) (54,604,000)
Purchases of premises and equipment (430,000) (70,000) (552,000)
Proceeds from sale of premises and equipment 1,464,000 0 0
Proceeds from sale of other real estate owned 1,908,000 425,000 897,000
Refund of escrow deposit related to acquisition activity 0 0 500,000
Net cash (used in) provided by investing activities (55,205,000) 82,924,000 (41,777,000)
Cash Flows from Financing Activities:      
Increase (decrease) in deposits, net 62,906,000 (133,877,000) 26,254,000
Purchases of deposits 0 49,998,000 0
Repayments of FHLB borrowings 0 (10,000,000) 0
Principal repayments of note payable (203,000) (199,000) (195,000)
(Increase) decrease in advances from borrowers for taxes and insurance (2,685,000) 105,000 755,000
Dividends paid on common stock 0 0 (155,000)
Net cash provided by (used in) financing activities 60,018,000 (93,973,000) 26,659,000
Net increase (decrease) in cash and cash equivalents 12,409,000 (4,768,000) (27,033,000)
Cash and cash equivalents at beginning of period 34,636,000 39,404,000 66,437,000
Cash and cash equivalents at end of period 47,045,000 34,636,000 39,404,000
Supplemental Disclosures of Cash Flow Information:      
Cash paid for interest 7,210,000 15,037,000 17,740,000
Cash paid (refund) for income taxes, net 140,000 (659,000) 22,000
Non-cash transactions:      
Increase in premises and equipment 10,000 290,000 181,000
Reclass of premises and equipment to implementation cost 52,000 0 0
Increase in accrued expense and other liabilities (62,000) (290,000) (181,000)
Purchases of available-for-sale securities 0 0 578,000
Increase in accrued expense and other liabilities 0 0 (578,000)
Transfers of loans receivable to other real estate owned 0 0 446,000
Transfers of loans receivable to loans held for sale 0 5,022,000 0
Operating lease right-of-use assets 373,000 40,000 3,160,000
Operating lease liabilities (373,000) (40,000) (3,364,000)
Accrued rent payable - adoption ASC 842 0 22,000 93,000
Capitalized servicing assets 335,000 137,000 180,000
Decrease (increase) in interest rate swaps liabilities 449,000 (493,000) 0
Deferred cost related to capital raise 825,000 0 0
Accrued expense related to capital raise 825,000 0 0
Business Combination Non-Cash Disclosures:      
Contingent liability assumed in business combination 0 0 621,000
Decrease in escrow deposit related to acquisition activity 0 (657,000) 0
Decrease in liabilities related to acquisition activity 0 15,000 0
Decrease in contingent consideration related to acquisition activity 0 86,000 0
Interest Rate Swap [Member]      
Non-cash transactions:      
(Decrease) increase in interest rate swaps assets (449,000) 493,000 0
SBA Loans [Member]      
Non-cash transactions:      
Transfers of SBA loans held for sale to loans receivable $ 281,000 $ 9,542,000 $ 0