Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks	$ 24,527	$ 22,750
Federal funds sold and interest-bearing deposits	197,325	196,561
Cash and cash equivalents	221,852	219,311
Securities:
Debt securities available for sale (amortized cost of $32,888 in 2021 and $45,921 in 2020)	32,810	45,617
Securities held to maturity (fair value of $2,000 in 2021)	2,000	0
Equity securities with readily determinable fair values (amortized cost of $2,112 in 2021 and in 2020)	2,244	1,954
Total securities	37,054	47,571
Loans:
SBA loans held for sale	11,314	9,335
Loans	1,642,674	1,618,482
Total loans	1,653,988	1,627,817
Allowance for loan losses	(22,801)	(23,105)
Net loans	1,631,187	1,604,712
Premises and equipment, net	19,799	20,226
Bank owned life insurance ("BOLI")	26,560	26,514
Deferred tax assets	9,377	9,183
Federal Home Loan Bank ("FHLB") stock	9,060	10,594
Accrued interest receivable	9,486	10,429
Goodwill	1,516	1,516
Prepaid expenses and other assets	7,420	8,858
Total assets	1,973,311	1,958,914
Deposits:
Noninterest-bearing demand	489,700	459,677
Interest-bearing demand	208,802	204,236
Savings	518,405	455,449
Time, under $100,000	245,423	264,671
Time, $100,000 to $250,000	74,282	95,595
Time, $250,000 and over	57,704	78,331
Total deposits	1,594,316	1,557,959
Borrowed funds	165,000	200,000
Subordinated debentures	10,310	10,310
Accrued interest payable	231	248
Accrued expenses and other liabilities	14,698	16,486
Total liabilities	1,784,555	1,785,003
Shareholders' equity:
Common stock	92,810	91,873
Retained earnings	105,811	90,669
Treasury stock	(9,668)	(7,442)
Accumulated other comprehensive loss	(197)	(1,189)
Total shareholders' equity	188,756	173,911
Total liabilities and shareholders' equity	1,973,311	1,958,914
SBA loans held for investment
Loans:
Loans	38,114	39,587
Allowance for loan losses	(1,686)	(1,301)
SBA PPP loans
Loans:
Loans	132,375	118,257
Commercial loans
Loans:
Loans	885,566	839,788
Allowance for loan losses	(15,011)	(14,992)
Residential mortgage loans
Loans:
Loans	422,188	467,586
Allowance for loan losses	(4,604)	(5,318)
Consumer loans
Loans:
Loans	64,557	66,100
Allowance for loan losses	(601)	(681)
Residential construction loans
Loans:
Loans	99,874	87,164
Allowance for loan losses	$ (899)	$ (813)