0001437749-24-025500 | 10-Q | XBRL Viewer

Debt Disclosure [Text Block]

NOTE 10 - BORROWING ARRANGEMENTS

We have established secured and unsecured lines of credit. We may borrow funds from time to time on a term or overnight basis from the Federal Home Loan Bank of San Francisco (“FHLB”), the Federal Reserve Bank of San Francisco (“FRB”) and other financial institutions as indicated below.

FHLB Secured Line of Credit and Advances. At June 30, 2024, we had a secured borrowing capacity with the FHLB of $939.7 million collateralized by pledged residential and commercial loans with a carrying value of $1.3 billion. At June 30, 2024, we had no overnight advances and $150.0 million of advances with an original term of five years at a weighted average rate of 1.18% which mature in the first quarter of 2025. We paid interest on FHLB advances of $439,000 and $579,000 for the three months ended June 30, 2024 and 2023, and $878,000 and $2.0 million for the six months ended June 30, 2024 and 2023.

FRB Secured Line of Credit. At June 30, 2024, we had secured borrowing capacity with the FRB of $45.9 million collateralized by pledged loans with a carrying value of $64.0 million.

Federal Funds Arrangements with Commercial Banks. At June 30, 2024, we had borrowing capacity of $92.0 million from other financial institutions, of which $80.0 million was on an unsecured basis and $12.0 million was collateralized by investment securities with fair market value of $20.4 million.

There were no amounts outstanding under any of the other borrowing arrangements above as of June 30, 2024, except the FHLB advances maturing in the first quarter of 2025.

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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Note 4 - Loans and Allowance for Credit Losses - Schedule of Loans by Collateral Held (Details) - USD ($)
$ in Thousands

Jun. 30, 2024

Dec. 31, 2023

^[1]

$ 3,047,712

$ 3,031,861

202,459

181,469

^[2]

1,190,207

1,167,857

1,467,802

1,487,796

126,649

130,096

Commercial Real Estate Collateral [Member]

50,323

52,074

Commercial Real Estate Collateral [Member] | Construction And Land Development Loans [Member]

27,964

11,153

Commercial Real Estate Collateral [Member] | Commercial Real Estate Portfolio Segment [Member]

10,000

Commercial Real Estate Collateral [Member] | Single Family Residential Mortgages Loans [Member]

17,205

10,353

Commercial Real Estate Collateral [Member] | Commercial and Industrial [Member]

Commercial Real Estate Collateral [Member] | SBA Loans [Member]

759

800

Real Estate [Member]

Real Estate [Member] | Construction And Land Development Loans [Member]

26,409

20,129

Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]

Real Estate [Member] | Single Family Residential Mortgages Loans [Member]

412

216

Real Estate [Member] | Commercial and Industrial [Member]

19,623

18,103

Real Estate [Member] | SBA Loans [Member]

6,348

610

1,200

Business Assets [Member]

Business Assets [Member] | Construction And Land Development Loans [Member]

209

329

Business Assets [Member] | Commercial Real Estate Portfolio Segment [Member]

Business Assets [Member] | Single Family Residential Mortgages Loans [Member]

Business Assets [Member] | Commercial and Industrial [Member]

Business Assets [Member] | SBA Loans [Member]

124

244

Collateral Pledged [Member]

Collateral Pledged [Member] | Construction And Land Development Loans [Member]

54,582

31,611

Collateral Pledged [Member] | Commercial Real Estate Portfolio Segment [Member]

10,000

Collateral Pledged [Member] | Single Family Residential Mortgages Loans [Member]

17,617

10,569

Collateral Pledged [Member] | Commercial and Industrial [Member]

19,623

18,103

Collateral Pledged [Member] | SBA Loans [Member]

6,472

854

$ 870

$ 2,085

[1]	Past due loans include nonaccrual loans and are therefore included in total loans.
[2]	Includes non-farm and non-residential real estate loans, multifamily residential and 1-4 residential loans for a business purpose.

Note 13 - Leases (Tables)

6 Months Ended

Jun. 30, 2024

Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]

		*As of June 30, 2024*
		(dollars in thousands)
Remainder of 2024	$	2,380
2025		5,804
2026		5,841
2027		5,746
2028		4,828
Thereafter		10,940
Total future minimum lease payments	$	35,539
Less amount of payment representing interest		(3,452	)
Total present value of lease payments	$	32,087

Lease, Cost [Table Text Block]

	*June 30,*			*December 31,*
	*2024*			*2023*
Operating Leases	*(dollars in thousands)*
ROU assets	$	30,530		$	29,803
Lease liabilities		32,087			31,191

Weighted-average remaining lease term (in years)		7.03			7.63
Weighted-average discount rate		2.78	%		1.72	%

Consolidated Balance Sheets (Current Period Unaudited) - USD ($)
$ in Thousands

Jun. 30, 2024

Dec. 31, 2023

Assets

Cash and due from banks

$ 23,313

$ 22,671

Interest-earning deposits with financial institutions

229,456

408,702

Cash and cash equivalents

252,769

431,373

Interest-earning time deposits in other financial institutions

600

Securities:

Available for sale

325,582

318,961

Held to maturity (fair value of $4,928 and $5,097 at June 30, 2024 and December 31, 2023)

5,200

5,209

Mortgage loans held for sale

3,146

1,911

Total loans held for investment, net of deferred loan costs and unaccreted discounts on acquired loans

^[1]

3,047,712

3,031,861

(41,741)

(41,903)

Premises and equipment, net

3,100,000

25,049

25,684

Federal Home Loan Bank (FHLB) stock

15,000

Net deferred tax assets

16,577

15,765

Cash surrender value of bank owned life insurance (BOLI)

59,486

58,719

Goodwill

71,498

Servicing assets

7,545

8,110

Core deposit intangibles

2,394

2,795

Right-of-use assets- operating leases

30,530

29,803

Accrued interest and other assets

46,839

50,639

Total assets

3,868,186

4,026,025

Deposits:

Noninterest-bearing demand

542,971

539,621

Savings, NOW and money market accounts

647,770

632,729

Time deposits $250,000 and under

1,014,189

1,190,821

Time deposits over $250,000

818,675

811,589

Total deposits

3,023,605

3,174,760

Reserve for unfunded commitments

624

640

FHLB advances

150,000

Subordinated debentures, net

119,338

119,147

15,047

14,938

Lease liabilities - operating leases

32,087

31,191

Accrued interest and other liabilities

16,194

24,089

Total liabilities

3,356,895

3,514,765

Commitments and contingencies - Note 12

Shareholders' equity:

Preferred Stock - 100,000,000 shares authorized, no par value; none outstanding

Common Stock - 100,000,000 shares authorized, no par value; 18,182,154 shares issued and outstanding at June 30, 2024 and 18,609,179 shares issued and outstanding at December 31, 2023

266,160

271,925

Additional paid-in capital

3,456

3,623

Retained earnings

262,518

255,152

Non-controlling interest

Accumulated other comprehensive loss, net

(20,915)

(19,512)

Total shareholders’ equity

511,291

511,260

Total liabilities and shareholders’ equity

3,868,186

4,026,025

Held for Investment Loans [Member]

Securities:

Loans held for investment

3,047,067

3,031,319

Unaccreted discount on acquired loans

(866)

(970)

Deferred loan costs, net

1,511

1,512

Total loans held for investment, net of deferred loan costs and unaccreted discounts on acquired loans

^[2]

3,047,712

3,031,861

(41,741)

(41,903)

Investment securities - AFS

$ 3,005,971

$ 2,989,958

[1]	Past due loans include nonaccrual loans and are therefore included in total loans.
[2]	Net of discounts and deferred fees and costs.

Note 12 - Commitments and Contingencies - Schedule of Financial Commitments Represents Credit Risk (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Financial commitments, contractual amount, fixed rate	$ 175,564
Financial commitments, contractual amount, variable rate		$ 190,750
Standby Letters of Credit [Member]
Financial commitments, contractual amount, fixed rate	2,303
Financial commitments, contractual amount, variable rate		2,687
Commitments to Make Loans [Member]
Financial commitments, contractual amount, fixed rate	85,342
Financial commitments, contractual amount, variable rate		77,844
Unused lines of Credit [Member]
Financial commitments, contractual amount, fixed rate	83,443
Financial commitments, contractual amount, variable rate		106,315
Commercial And Similar Letters Of Credit [Member]
Financial commitments, contractual amount, fixed rate	$ 4,476
Financial commitments, contractual amount, variable rate		$ 3,904

Note 17 - Fair Value Measurements and Fair Value of Financial Instruments - Schedule of Fair Value Hierarchy Level and Estimated Fair Value of Significant Financial Instruments (Details) - USD ($)
$ in Thousands

Jun. 30, 2024

Dec. 31, 2023

$ 325,582

$ 318,961

Investment securities - HTM

4,928

5,097

Loans, net

21,800

Fair Value, Inputs, Level 3 [Member] | Interest Rate Lock Contracts [Member]

Derivative assets, notional amount

^[1]

1,449

1,255

Derivative assets

^[1]

Fair Value, Inputs, Level 3 [Member] | Forward Mortgage Loan Sale Contracts [Member]

Derivative assets, notional amount

^[1]

407

1,104

Derivative assets

^[1]

Reported Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]

Cash and due from banks

252,769

431,373

Interest-earning deposits in other financial institutions

600

Mortgage loans held for sale

3,146

1,911

Accrued interest payable

6,027

11,671

Reported Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]

Investment securities - AFS

325,582

318,961

Investment securities - HTM

5,200

5,209

Deposits

3,023,605

3,174,760

Reported Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]

Loans, net

3,005,971

2,989,958

Equity securities (1)

^[1]

21,748

22,251

Servicing assets

7,545

8,110

FHLB advances

150,000

Long-term debt

119,338

119,147

Subordinated debentures

15,047

14,938

Reported Value Measurement [Member] | Fair Value, Inputs, Level 1, Level 2, and Level 3 [Member]

Accrued interest receivable (1)

^[1]

14,141

13,743

Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]

Cash and due from banks

252,769

431,373

Interest-earning deposits in other financial institutions

600

Mortgage loans held for sale

3,146

1,845

Accrued interest payable

6,027

11,671

Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]

Investment securities - AFS

325,582

318,961

Investment securities - HTM

4,928

5,097

Deposits

3,008,977

3,181,495

Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]

Loans, net

2,953,571

2,918,296

Equity securities (1)

^[1]

21,748

22,251

Servicing assets

14,510

14,883

FHLB advances

149,642

144,891

Long-term debt

95,154

83,864

Subordinated debentures

14,890

14,566

Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1, Level 2, and Level 3 [Member]

Accrued interest receivable (1)

^[1]

$ 14,141

$ 13,743

[1]	Included in “Accrued interest and other assets” on the consolidated balance sheets.

Note 5 - Loan Servicing - Schedule of Amortization of Mortgage Servicing Rights Netted Against Loan Servicing Fee Income (Details) - USD ($) $ in Thousands	3 Months Ended			6 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Mortgages [Member]
Beginning of period	$ 6,261	$ 6,509	$ 7,118	$ 6,509	$ 7,354
Additions	86	43	18	129	27
Payoffs	(120)	(113)	(105)	(233)	(173)
Amortized to expense	(173)	(178)	(175)	(351)	(352)
End of period	6,054	6,261	6,856	6,054	6,856
Small Business Administration Loans [Member]
Beginning of period	1,533	1,601	2,041	1,601	2,167
Additions	41	37	0	78	1
Payoffs	(25)	(42)	(122)	(67)	(171)
Amortized to expense	(58)	(63)	(73)	(121)	(151)
End of period	$ 1,491	$ 1,533	$ 1,846	$ 1,491	$ 1,846

Note 12 - Commitments and Contingencies

6 Months Ended

Jun. 30, 2024

Commitments Disclosure [Text Block]

NOTE 12 - COMMITMENTS AND CONTINGENCIES

In the ordinary course of business, we enter into financial commitments to meet the financing needs of our customers. These financial commitments include commitments to extend credit, unused lines of credit, commercial and similar letters of credit and standby letters of credit. Those instruments involve to varying degrees, elements of credit and interest rate risk not recognized in our financial statements.

Our exposure to loss in the event of nonperformance on these financial commitments is represented by the contractual amount of those instruments. We use the same credit policies in making commitments as we do for loans reflected in the financial statements.

At June 30, 2024 and December 31, 2023, we had the following financial commitments whose contractual amount represents credit risk:

	*June 30,*		*December 31,*
	*2024*		*2023*
	*(dollars in thousands)*
Commitments to make loans	$	85,342	$	77,844
Unused lines of credit		83,443		106,315
Commercial and similar letters of credit		4,476		3,904
Standby letters of credit		2,303		2,687
Total	$	175,564	$	190,750

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Since many of the commitments are expected to expire without being drawn upon, the total amounts do not necessarily represent future cash requirements. We evaluate each client's creditworthiness on a case-by-case basis.

We record a liability for lifetime expected losses on off-balance-sheet credit exposure that does not fit the definition of unconditionally cancelable in accordance with ASC 326. We use the loss rate and exposure of default framework to estimate a reserve for unfunded commitments. Loss rates for the expected funded balances are determined based on the associated pooled loan analysis loss rate and the exposure at default is based on an estimated utilization given default. The reserve for off-balance sheet commitments was $624,000 and $640,000 as of June 30, 2024 and December 31, 2023. We recorded a reversal of the provision for unfunded loan commitments of $47,000 for the three months ended June 30, 2024, a provision for unfunded loan commitments of $31,000 for the three months ended March 31, 2024, and a reversal of the provision for unfunded loan commitments of $221,000 for the three months ended June 30, 2023. We recorded a reversal of the provision for unfunded loan commitments of $16,000 for the six months ended June 30, 2024, and a reversal of the provision of unfunded loan commitments of $359,000 for the six months ended June 30, 2023.

In addition, we invest in various affordable housing partnerships and Small Business Investment Company ("SBIC") funds. Pursuant to these investments, we commit to an investment amount to be fulfilled in future periods. Such unfunded commitments totaled $3.0 million as of June 30, 2024 and $3.3 million as of December 31, 2023.

We are involved in various matters of litigation which have arisen in the ordinary course of business and accruals for estimates of potential losses have been provided when necessary and appropriate under generally accepted accounting principles. In the opinion of management, the disposition of such pending litigation will not have a material effect on the Company's financial statements.

Note 15 - Stock-based Compensation - Summary of Awards Pursuant to Stock Option Plans (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Beginning Balance, Shares (in shares)			397,903
Outstanding at beginning of year (in dollars per share)			$ 17.61
Exercised, Shares (in shares)	(28,250)	0	(69,250)	(9,153)
Exercised, Weighted Average Exercise Price (in dollars per share)			$ 14.42
Forfeited/cancelled, Shares (in shares)			(111,153)
Forfeited/cancelled, Weighted Average Exercise Price (in dollars per share)			$ 17.75
Balance, Shares (in shares)	217,500		217,500
Outstanding, Weighted Average Exercise Price (in dollars per share)	$ 18.55		$ 18.55
Outstanding at end of period, weighted average remaining contractual term (Year)			5 years 8 months 4 days
Outstanding at end of period, aggregate intrinsic value	$ 194		$ 194
Options exercisable, Shares (in shares)	190,167		190,167
Options exercisable, Weighted Average Exercise Price (in dollars per share)	$ 18.17		$ 18.17
Options exercisable, Weighted Average Remaining Contractual Term (Year)			5 years 3 months 14 days
Options exercisable, Aggregate Intrinsic Value	$ 194		$ 194

Note 8 - Long-term Debt - Schedule of Long-term Debt (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Principal	$ 120,000	$ 120,000
Unamortized debt issuance costs	(662)	(853)
Long-term debt, net of issuance costs	$ 119,338	$ 119,147

Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation.

Note 2 - Basis of Presentation and Summary of Significant Accounting Policies

6 Months Ended

Jun. 30, 2024

Basis of Presentation and Significant Accounting Policies [Text Block]

NOTE 2 - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Basis of Presentation

The accompanying unaudited consolidated financial statements and notes thereto of the Company have been prepared in accordance with the rules and regulations of the Securities and Exchange Commission (“SEC”) for Form 10-Q and conform to practices within the banking industry and include all of the information and disclosures required by accounting principles generally accepted in the United States of America (“GAAP”) for interim financial reporting. The accompanying unaudited consolidated financial statements reflect all adjustments (consisting only of normal recurring adjustments), which are necessary for a fair presentation of financial results for the interim periods presented. Certain prior period amounts have been reclassified to conform to the current period presentation. Such reclassifications had no impact on our net income or shareholders’ equity. The results of operations for the three months and the six months ended June 30, 2024 are not necessarily indicative of the results for the full year. These interim unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements and the notes thereto as of and for the year ended December 31, 2023, included in our Annual Report on Form 10-K for the fiscal year ended December 31, 2023 (our “2023 Annual Report”).

Use of Estimates in the Preparation of Financial Statements

The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. It is reasonably possible that these estimates could change as actual results could differ from those estimates. The allowance for credit losses, realization of deferred tax assets, the valuation of goodwill and other intangible assets, other derivatives, and the fair value measurement of financial instruments are particularly subject to change and such change could have a material effect on the consolidated financial statements.

Summary of Significant Accounting Policies

The accompanying unaudited consolidated financial statements were compiled in accordance with the accounting policies set forth in "Note 2 – Basis of Presentation and Summary of Significant Accounting Policies" in our consolidated financial statements as of and for the year ended December 31, 2023, included in our 2023 Annual Report. The Financial Accounting Standards Board ("FASB") issues Accounting Standards Updates ("ASU" or “Update”) and Accounting Standards Codifications (“ASC”), which are the primary source of GAAP. We have not made any changes to our significant accounting policies from those disclosed in our 2023 Annual Report.

Recent Accounting Pronouncements

Recently adopted

In June 2022, the FASB issued ASU 2022-03, Fair Value Measurement (Topic 820)—Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions. This pronouncement clarifies that a contractual restriction on the sale of an equity security is not considered part of the unit of account of the equity security and, therefore, is not considered in measuring fair value. ASU 2022-03 also clarifies that an entity cannot, as a separate unit of account, recognize and measure a contractual sale restriction and requires certain new disclosures for equity securities subject to contractual sale restrictions. We adopted ASU 2022-03 on January 1, 2024 and the adoption did not have a material impact on our consolidated financial statements.

In March 2023, the FASB issued ASU 2023-02, Investments - Equity Method and Joint Ventures (Topic 323). This Update permits reporting entities to elect to account for their tax equity investments using the proportional amortization method if certain conditions are met. It requires that a liability to be recognized for delayed equity contributions that are unconditional and legally binding or for equity contributions that are contingent upon a future event when that contingent event becomes probable. The reporting entity needs to disclose the nature of its tax equity investments and the effect of its tax equity investments on its financial position and results of operations. ASU 2023-02 is effective for us in fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. We adopted ASU 2023-02 on January 1, 2024 and the adoption did not have a material impact on our consolidated financial statements.

Recently issued not yet effective

In October 2023, the FASB issued ASU 2023-06, Disclosure Improvements. This pronouncement amends the FASB Accounting Standards Codification to reflect updates and simplifications to certain disclosure requirements referred to the FASB by the SEC in 2018, including disclosures for the statement of cash flows, earnings per share, commitments, debt and equity instruments, and certain industry information, among other things. Each amendment is effective when the related disclosure is effectively removed from Regulations S-X or S-K; early adoption is prohibited. All amendments should be applied prospectively. If the SEC has not removed the applicable requirement from Regulation S-X or Regulation S-K by June 30, 2027, the pending amendments will be removed and will not become effective for any entity. Adoption of ASU 2023-06 is not expected to have a material impact on our consolidated financial statements.

In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280) - Improvements to Reportable Segments. The amendments in this Update improve financial reporting by requiring disclosure of incremental segment information on an annual and interim basis. Amendments in this Update include: a requirement that a public entity provide all annual disclosures about a reportable segment’s profit or loss in its interim period disclosures, disclosure of significant segment expenses that are regularly provided to the chief operating decision maker (“CODM”), disclosure of amounts for other segment items by reportable segment and a description of its composition, clarification that if the CODM uses more than one measure of a segment’s profit or loss in assessing segment performance and deciding how to allocate resources, a public entity may report one or more of those additional measures of segment profit or loss, a requirement that a public entity disclose the title and position of the CODM, and an explanation of how the CODM uses the reported measure(s) of segment profit or loss, and a requirement that a public entity that has a single reportable segment provide all the disclosures required by this Update as well as all existing disclosures required in Topic 280. The amendments in this Update are effective for the Company beginning with its 2024 annual financial statement disclosures for the year ended December 31, 2024, and for all interim and annual periods thereafter. Early adoption is permitted. Adoption of ASU 2023-07 is not expected to have a material impact on our consolidated financial statements.

In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740) - Improvements to Income Tax Disclosures. This Update enhances the transparency and decision usefulness of income tax disclosures. The amendments in this Update require the following: 1) consistent categories and greater disaggregation of information in the rate reconciliation, and 2) income taxes paid disaggregated by jurisdiction. The amendments in the ASU are effective for annual periods beginning after December 15, 2024. Early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The amendments in this Update should be applied on a prospective basis. However, retrospective application in all prior periods presented is permitted. Adoption of ASU 2023-09 is not expected to have a material impact on our consolidated financial statements.

Note 14 - Related Party Transactions

6 Months Ended

Jun. 30, 2024

NOTE 14 - RELATED PARTY TRANSACTIONS

There were no loans or outstanding loan commitments to any principal officers or directors, or any of their affiliates at June 30, 2024 and December 31, 2023.

Deposits from principal officers, directors, and their affiliates at June 30, 2024 and December 31, 2023 were $29.7 million and $25.7 million.

Certain directors and their affiliates own $6.0 million of RBB's subordinated debentures as of June 30, 2024 and December 31, 2023.

The entire disclosure for related party transactions. Examples of related party transactions include transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners; and (d) affiliates.

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Note 8 - Long-term Debt (Details Textual) - USD ($)		1 Months Ended		3 Months Ended		6 Months Ended
Note 8 - Long-term Debt (Details Textual) - USD ($)	Dec. 01, 2023	Mar. 31, 2021	Nov. 30, 2018	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Debt Instrument, Face Amount				$ 120,000,000		$ 120,000,000		$ 120,000,000
Interest Expense, Debt				1,200,000	$ 2,100,000	2,400,000	$ 4,100,000
Amortization of Debt Issuance Costs				$ 95,000	$ 145,000	$ 191,000	$ 289,000
Six Point One Eight Percent Fixed To Floating Rate Subordinated Debentures Due December First Two Thousands Twenty Eight [Member]
Debt Instrument, Face Amount			$ 55,000,000
Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate			6.18%
Debt Instrument, Redemption Price, Percentage of Principal Amount Redeemed	100.00%
Six Point One Eight Percent Fixed To Floating Rate Subordinated Debentures Due December First Two Thousands Twenty Eight [Member] \| London Interbank Offered Rate [Member]
Debt Instrument, Basis Spread on Variable Rate			3.15%
Four Percent Fixed To Floating Rate Subordinated Debentures Due April First Two Thousand Thirty One [Member]
Debt Instrument, Face Amount		$ 120,000,000
Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate		4.00%
Four Percent Fixed To Floating Rate Subordinated Debentures Due April First Two Thousand Thirty One [Member] \| Secured Overnight Financing Rate (SOFR) [Member]
Debt Instrument, Basis Spread on Variable Rate		3.29%

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Common stock dividends per share (in dollars per share)	$ 0.16	$ 0.16	$ 0.32	$ 0.32

Note 4 - Loans and Allowance for Credit Losses - Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended			6 Months Ended		12 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Beginning balance	$ 41,688	$ 41,903	$ 43,071	$ 41,903	$ 41,076	$ 41,076
Provision for/(reversal of) credit losses	604	(31)	601	573	2,753
Less loans charged-off	(567)	(214)	(614)	(781)	(775)	(3,194)
Recoveries on loans charged-off	16	30	34	46	38
Ending balance	41,741	41,688	43,092	41,741	43,092	41,903
Construction And Land Development Loans [Member]
Beginning balance	1,311	1,219	2,391	1,219	2,638	2,638
Provision for/(reversal of) credit losses	41	92	57	133	(190)
Less loans charged-off	0	0	0	0	0	(140)
Recoveries on loans charged-off	0	0	0	0	0
Ending balance	1,352	1,311	2,448	1,352	2,448	1,219
Commercial Real Estate Portfolio Segment [Member]
Beginning balance	18,307	17,826	18,148	17,826	17,657	17,657
Provision for/(reversal of) credit losses	653	597	(444)	1,250	47
Less loans charged-off	(526)	(116)	(399)	(642)	(399)	(2,537)
Recoveries on loans charged-off	0	0	0	0	0
Ending balance	18,434	18,307	17,305	18,434	17,305	17,826
Single Family Residential Mortgages Loans [Member]
Beginning balance	19,878	20,117	19,716	20,117	17,640	17,640
Provision for/(reversal of) credit losses	(38)	(239)	1,400	(277)	3,569
Less loans charged-off	0	0	0	0	(93)	(93)
Recoveries on loans charged-off	0	0	0	0	0
Ending balance	19,840	19,878	21,116	19,840	21,116	20,117
Commercial and Industrial [Member]
Beginning balance	1,294	1,348	1,501	1,348	1,804	1,804
Provision for/(reversal of) credit losses	(9)	(52)	(391)	(61)	(694)
Less loans charged-off	0	(3)	0	(3)	0	0
Recoveries on loans charged-off	0	1	0	1	0
Ending balance	1,285	1,294	1,110	1,285	1,110	1,348
SBA Loans [Member]
Beginning balance	735	1,196	672	1,196	621	621
Provision for/(reversal of) credit losses	(60)	(461)	13	(521)	63
Less loans charged-off	0	0	(62)	0	(62)	(62)
Recoveries on loans charged-off	0	0	0	0	1
Ending balance	675	735	623	675	623	1,196
Other Loans [Member]
Beginning balance	163	197	643	197	716	716
Provision for/(reversal of) credit losses	17	32	(34)	49	(42)
Less loans charged-off	(41)	(95)	(153)	(136)	(221)	(362)
Recoveries on loans charged-off	16	29	34	45	37
Ending balance	155	163	490	155	490	197
Unfunded Loan Commitment [Member]
Beginning balance	671	640	1,018	640	1,156	1,156
Provision for/(reversal of) credit losses	(47)	31	(221)	(16)	(359)
Less loans charged-off	0	0	0	0	0
Recoveries on loans charged-off	0	0	0	0	0
Ending balance	624	671	797	624	797	640
Allowance for Credit Loss and Unfunded Loan Commitments [Member]
Beginning balance	42,359	42,543	44,089	42,543	42,232	42,232
Provision for/(reversal of) credit losses	557	0	380	557	2,394
Less loans charged-off	(567)	(214)	(614)	(781)	(775)
Recoveries on loans charged-off	16	30	34	46	38
Ending balance	$ 42,365	$ 42,359	$ 43,889	$ 42,365	$ 43,889	$ 42,543

Note 4 - Loans and Allowance for Credit Losses

6 Months Ended

Jun. 30, 2024

Loans, Notes, Trade and Other Receivables Disclosure [Text Block]

NOTE 4 - LOANS AND ALLOWANCE FOR CREDIT LOSSES

Our loan portfolio consists primarily of loans to borrowers within the Southern California metropolitan area, the New York City metropolitan area, Chicago (Illinois), Las Vegas (Nevada), Edison (New Jersey) and Honolulu (Hawaii). Although we seek to avoid concentrations of loans to a single industry or based upon a single class of collateral, real estate and real estate associated businesses are among the principal industries in our market area and, as a result, our loan and collateral portfolios are, to some degree, concentrated in those industries.

The following table presents the balances in our loan held for investment ("HFI") portfolio as of the dates indicated:

	*June 30, 2024*			*December 31, 2023*
Loans HFI:⁽¹⁾	*(dollars in thousands)*
Real Estate:
Construction and land development	$	202,459		$	181,469
Commercial real estate ⁽²⁾		1,190,207			1,167,857
Single-family residential mortgages		1,467,802			1,487,796
Commercial:
Commercial and industrial		126,649			130,096
SBA		50,323			52,074
Other		10,272			12,569
Total loans HFI ⁽¹⁾	$	3,047,712		$	3,031,861
Allowance for loan losses		(41,741	)		(41,903	)
Total loans HFI, net	$	3,005,971		$	2,989,958

	(1)	Net of discounts and deferred fees and costs.
	(2)	Includes non-farm and non-residential real estate loans, multifamily residential and single-family residential loans for a business purpose.

We use both internal and external qualitative factors within the Current Expected Credit Losses (“CECL”) model: lending policies, procedures, and strategies; economic conditions; changes in nature and volume of the portfolio; credit staffing and administration experience; problem loan trends; loan review results; collateral values; concentrations; and regulatory and business environment.

The following table presents a summary of the changes in the ACL for the periods indicated:

	For the Three Months Ended
	June 30, 2024									March 31, 2024								June 30, 2023
	Allowance for loan losses			Reserve for unfunded loan commitments			Allowance for credit losses			Allowance for loan losses			Reserve for unfunded loan commitments		Allowance for credit losses			Allowance for loan losses			Reserve for unfunded loan commitments			Allowance for credit losses
	*(dollars in thousands)*
Beginning balance	$	41,688		$	671		$	42,359		$	41,903		$	640	$	42,543		$	43,071		$	1,018		$	44,089
Provision for/(reversal of) credit losses		604			(47	)		557			(31	)		31		—			601			(221	)		380
Less loans charged-off		(567	)		—			(567	)		(214	)		—		(214	)		(614	)		—			(614	)
Recoveries on loans charged-off		16			—			16			30			—		30			34			—			34
Ending balance	$	41,741		$	624		$	42,365		$	41,688		$	671	$	42,359		$	43,092		$	797		$	43,889

	*For the Six Months Ended June 30,*
	*2024*									*2023*
	*Allowance for loan losses*			*Reserve for unfunded loan commitments*			*Allowance for credit losses*			*Allowance for loan losses*			*Reserve for unfunded loan commitments*			*Allowance for credit losses*
	*(dollars in thousands)*
Beginning balance	$	41,903		$	640		$	42,543		$	41,076		$	1,156		$	42,232
Provision for/(reversal of) credit losses		573			(16	)		557			2,753			(359	)		2,394
Less loans charged-off		(781	)		—			(781	)		(775	)		—			(775	)
Recoveries on loans charged-off		46			—			46			38			—			38
Ending balance	$	41,741		$	624		$	42,365		$	43,092		$	797		$	43,889

The following tables present the balance and activity related to the ALL for loans HFI by loan portfolio segment for the periods presented.

	*For the Three Months Ended June 30, 2024*
	*Construction and land development*		*Commercial real estate*			*Single-family residential mortgages*			*Commercial and industrial*			*SBA*			*Other*			*Total*
Allowance for loan losses:	*(dollars in thousands)*
Beginning balance	$	1,311	$	18,307		$	19,878		$	1,294		$	735		$	163		$	41,688
Provision for/(reversal of) credit losses		41		653			(38	)		(9	)		(60	)		17			604
Charge-offs		—		(526	)		—			—			—			(41	)		(567	)
Recoveries		—		—			—			—			—			16			16
Ending allowance balance	$	1,352	$	18,434		$	19,840		$	1,285		$	675		$	155		$	41,741

	*For the Three Months Ended March 31, 2024*
	*Construction and land development*		*Commercial real estate*			*Single-family residential mortgages*			*Commercial and industrial*			*SBA*			*Other*			*Total*
Allowance for loan losses:	*(dollars in thousands)*
Beginning balance	$	1,219	$	17,826		$	20,117		$	1,348		$	1,196		$	197		$	41,903
Provision for/(reversal of) credit losses		92		597			(239	)		(52	)		(461	)		32			(31	)
Charge-offs		—		(116	)		—			(3	)		—			(95	)		(214	)
Recoveries		—		—			—			1			—			29			30
Ending allowance balance	$	1,311	$	18,307		$	19,878		$	1,294		$	735		$	163		$	41,688

	*For the Three Months Ended June 30, 2023*
	*Construction and land development*		*Commercial real estate*			*Single-family residential mortgages*		*Commercial and industrial*			*SBA*			*Other*			*Total*
Allowance for loan losses:	*(dollars in thousands)*
Beginning balance	$	2,391	$	18,148		$	19,716	$	1,501		$	672		$	643		$	43,071
Provision for/(reversal of) credit losses		57		(444	)		1,400		(391	)		13			(34	)		601
Charge-offs		—		(399	)		—		—			(62	)		(153	)		(614	)
Recoveries		—		—			—		—			—			34			34
Ending allowance balance	$	2,448	$	17,305		$	21,116	$	1,110		$	623		$	490		$	43,092

	*For the Six Months Ended June 30, 2024*
	*Construction and land development*		*Commercial real estate*			*Single-family residential mortgages*			*Commercial and industrial*			*SBA*			*Other*			*Total*
Allowance for loan losses:	*(dollars in thousands)*
Beginning balance	$	1,219	$	17,826		$	20,117		$	1,348		$	1,196		$	197		$	41,903
Provision for/(reversal of) credit losses		133		1,250			(277	)		(61	)		(521	)		49			573
Charge-offs		—		(642	)		—			(3	)		—			(136	)		(781	)
Recoveries		—		—			—			1			—			45			46
Ending allowance balance	$	1,352	$	18,434		$	19,840		$	1,285		$	675		$	155		$	41,741

	*For the Six Months Ended June 30, 2023*
	*Construction and land development*			*Commercial real estate*			*Single-family residential mortgages*			*Commercial and industrial*			*SBA*			*Other*			*Total*
Allowance for loan losses:	*(dollars in thousands)*
Beginning balance	$	2,638		$	17,657		$	17,640		$	1,804		$	621		$	716		$	41,076
(Reversal of)/provision for credit losses		(190	)		47			3,569			(694	)		63			(42	)		2,753
Charge-offs		—			(399	)		(93	)		—			(62	)		(221	)		(775	)
Recoveries		—			—			—			—			1			37			38
Ending allowance balance	$	2,448		$	17,305		$	21,116		$	1,110		$	623		$	490		$	43,092

We categorize loans into risk categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, collateral adequacy, credit documentation, and current economic trends, among other factors. We analyze loans individually by classifying the loans as to credit risk. This analysis typically includes larger, non-homogeneous loans such as commercial real estate and commercial and industrial loans. This analysis is performed on an ongoing basis as new information is obtained. We use the following definitions for risk ratings:

Pass - Loans classified as pass include loans not meeting the risk ratings defined below.

Special Mention - Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.

Substandard - Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful - Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

The following tables summarize our loans HFI by loan portfolio segment, risk rating and vintage year as of the dates indicated. The vintage year is the year of origination, renewal or major modification.

	*Term Loan by Vintage*
June 30, 2024	*2024*		*2023*		*2022*		*2021*		*2020*		*Prior*		*Revolving*		*Revolving Converted to Term During the Period*		*Total*
Real estate:		*(dollars in thousands)*
Construction and land development
Pass	$	145,436	$	18,429	$	—	$	15,415	$	1,373	$	104	$	—	$	—	$	180,757
Special mention		—		—		—		11,702		—		—		—		—		11,702
Substandard		—		10,000		—		—		—		—		—		—		10,000
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	145,436	$	28,429	$	—	$	27,117	$	1,373	$	104	$	—	$	—	$	202,459
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate
Pass	$	131,937	$	62,685	$	410,106	$	172,420	$	166,440	$	218,493	$	—	$	—	$	1,162,081
Special mention		—		—		—		—		—		6,816		—		—		6,816
Substandard		—		—		—		—		11,000		10,310		—		—		21,310
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	131,937	$	62,685	$	410,106	$	172,420	$	177,440	$	235,619	$	—	$	—	$	1,190,207
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	225	$	417	$	—	$	—	$	642
Single-family residential mortgages
Pass	$	47,956	$	147,795	$	575,365	$	232,843	$	118,342	$	323,866	$	1,332	$	—	$	1,447,499
Special mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		736		1,653		1,936		15,978		—		—		20,303
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	47,956	$	147,795	$	576,101	$	234,496	$	120,278	$	339,844	$	1,332	$	—	$	1,467,802
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial:
Commercial and industrial																		—
Pass	$	7,301	$	1,176	$	2,943	$	4,342	$	2,342	$	6,391	$	94,180	$	—	$	118,675
Special mention		—		—		—		—		—		—		3		—		3
Substandard		—		—		79		—		1,364		4,835		1,693		—		7,971
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	7,301	$	1,176	$	3,022	$	4,342	$	3,706	$	11,226	$	95,876	$	—	$	126,649
YTD gross charge-offs	$	—	$	—	$	3	$	—	$	—	$	—	$	—	$	—	$	3
SBA
Pass	$	5,637	$	1,878	$	10,937	$	9,826	$	964	$	16,661	$	—	$	—	$	45,903
Special mention		—		—		—		—		999		—		—		—		999
Substandard		—		—		—		332		—		3,089		—		—		3,421
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	5,637	$	1,878	$	10,937	$	10,158	$	1,963	$	19,750	$	—	$	—	$	50,323
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Other:
Pass	$	—	$	169	$	2,106	$	7,094	$	454	$	11	$	367	$	—	$	10,201
Special mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		26		42		3		—		—		—		71
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	—	$	169	$	2,132	$	7,136	$	457	$	11	$	367	$	—	$	10,272
YTD gross charge-offs	$	—	$	—	$	—	$	130	$	6	$	—	$	—	$	—	$	136
Total by risk rating:
Pass	$	338,267	$	232,132	$	1,001,457	$	441,940	$	289,915	$	565,526	$	95,879	$	—	$	2,965,116
Special mention		—		—		—		11,702		999		6,816		3		—		19,520
Substandard		—		10,000		841		2,027		14,303		34,212		1,693		—		63,076
Doubtful		—		—		—		—		—		—		—		—		—
Total loans	$	338,267	$	242,132	$	1,002,298	$	455,669	$	305,217	$	606,554	$	97,575	$	—	$	3,047,712
Total YTD gross charge-offs	$	—	$	—	$	3	$	130	$	231	$	417	$	—	$	—	$	781

	*Term Loan by Vintage*
December 31, 2023	*2023*		*2022*		*2021*		*2020*		*2019*		*Prior*		*Revolving*		*Revolving Converted to Term During the Period*		*Total*
Real estate:		*(dollars in thousands)*
Construction and land development
Pass	$	127,602	$	25,880	$	12,168	$	3,919	$	192	$	32	$	—	$	—	$	169,793
Special mention		—		—		11,676		—		—		—		—		—		11,676
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	127,602	$	25,880	$	23,844	$	3,919	$	192	$	32	$	—	$	—	$	181,469
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	140	$	—	$	—	$	140
Commercial real estate
Pass	$	90,126	$	423,564	$	186,904	$	175,650	$	94,796	$	152,847	$	—	$	—	$	1,123,887
Special mention		—		—		—		—		7,719		4,880		—		—		12,599
Substandard		301		—		—		11,410		2,295		17,365		—		—		31,371
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	90,427	$	423,564	$	186,904	$	187,060	$	104,810	$	175,092	$	—	$	—	$	1,167,857
YTD gross charge-offs	$	—	$	2,078	$	—	$	459	$	—	$	—	$	—	$	—	$	2,537
Single-family residential mortgages
Pass	$	156,372	$	593,539	$	239,502	$	125,346	$	83,002	$	265,050	$	1,720	$	—	$	1,464,531
Special mention		—		—		619		—		—		3,855		—		—		4,474
Substandard		—		719		758		4,985		545		11,740		44		—		18,791
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	156,372	$	594,258	$	240,879	$	130,331	$	83,547	$	280,645	$	1,764	$	—	$	1,487,796
YTD gross charge-offs	$	—	$	—	$	—	$	93	$	—	$	—	$	—	$	—	$	93
Commercial:
Commercial and industrial																		—
Pass	$	1,305	$	3,283	$	6,281	$	2,901	$	2,049	$	4,700	$	99,339	$	—	$	119,858
Special mention		—		—		—		—		—		—		2,737		—		2,737
Substandard		—		87		—		1,410		7		4,952		1,045		—		7,501
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	1,305	$	3,370	$	6,281	$	4,311	$	2,056	$	9,652	$	103,121	$	—	$	130,096
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
SBA
Pass	$	5,642	$	11,023	$	10,037	$	2,324	$	4,588	$	13,783	$	—	$	—	$	47,397
Special mention		—		—		331		—		—		1,025		—		—		1,356
Substandard		—		—		—		—		85		3,236		—		—		3,321
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	5,642	$	11,023	$	10,368	$	2,324	$	4,673	$	18,044	$	—	$	—	$	52,074
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	62	$	—	$	—	$	62
Other:
Pass	$	193	$	2,727	$	8,813	$	674	$	29	$	—	$	18	$	—	$	12,454
Special mention		—		—		—		—		—		—		—		—		—
Substandard		—		80		28		7		—		—		—		—		115
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	193	$	2,807	$	8,841	$	681	$	29	$	—	$	18	$	—	$	12,569
YTD gross charge-offs	$	—	$	79	$	273	$	10	$	—	$	—	$	—	$	—	$	362
Total by risk rating:
Pass	$	381,240	$	1,060,016	$	463,705	$	310,814	$	184,656	$	436,412	$	101,077	$	—	$	2,937,920
Special mention		—		—		12,626		—		7,719		9,760		2,737		—		32,842
Substandard		301		886		786		17,812		2,932		37,293		1,089		—		61,099
Doubtful		—		—		—		—		—		—		—		—		—
Total loans	$	381,541	$	1,060,902	$	477,117	$	328,626	$	195,307	$	483,465	$	104,903	$	—	$	3,031,861
Total YTD gross charge-offs	$	—	$	2,157	$	273	$	562	$	—	$	202	$	—	$	—	$	3,194

The following tables present the aging of the recorded investment in past due loans, by loan portfolio segment, as of the dates indicated.


June 30, 2024	*30-59 Days*		*60-89 Days*		*90 Days Or More*		Total Past Due ⁽¹⁾		*Loans Not Past Due*		Total Loans ⁽¹⁾		Nonaccrual Loans ⁽¹⁾
Real estate:		*(dollars in thousands)*
Construction and land development	$	—	$	—	$	10,000	$	10,000	$	192,459	$	202,459	$	10,000
Commercial real estate		731		8,367		8,838		17,936		1,172,271		1,190,207		17,617
Single-family residential mortgages		9,599		1,231		16,444		27,274		1,440,528		1,467,802		19,623
Commercial:
Commercial and industrial		327		1		6,348		6,676		119,973		126,649		6,472
SBA		1,128		—		467		1,595		48,728		50,323		870
Other		33		32		7		72		10,200		10,272		7
Total	$	11,818	$	9,631	$	42,104	$	63,553	$	2,984,159	$	3,047,712	$	54,589


December 31, 2023
Real estate:
Construction and land development	$	—	$	—	$	—	$	—	$	181,469	$	181,469	$	—
Commercial real estate		1,341		216		1,582		3,139		1,164,718		1,167,857		10,569
Single-family residential mortgages		9,050		5,795		15,134		29,979		1,457,817		1,487,796		18,103
Commercial:
Commercial and industrial		1,544		—		854		2,398		127,698		130,096		854
SBA		356		—		2,085		2,441		49,633		52,074		2,085
Other		160		20		8		188		12,381		12,569		8
Total	$	12,451	$	6,031	$	19,663	$	38,145	$	2,993,716	$	3,031,861	$	31,619

(1)

Past due loans include nonaccrual loans and are therefore included in total loans.

We have no loans that are 90 days or more past due and still accruing at June 30, 2024 and December 31, 2023.

The following table presents the loans on nonaccrual status and the volume of such loans with no ALL, by loan portfolio segment, as of the dates indicated:

	*June 30, 2024*				*December 31, 2023*
	*Nonaccrual Loans*				*Nonaccrual Loans*
	*with no*				*with no*
	*Allowance*				*Allowance*
	*for Loan Loss*		*Nonaccrual Loans*		*for Loan Loss*		*Nonaccrual Loans*
Real estate:	*(dollars in thousands)*
Construction and land development	$	10,000	$	10,000	$	—	$	—
Commercial real estate		17,617		17,617		10,569		10,569
Single-family residential mortgages		19,623		19,623		18,103		18,103
Commercial:
Commercial and industrial		6,348		6,472		610		854
SBA		870		870		937		2,085
Other:		—		7		—		8
Total	$	54,458	$	54,589	$	30,219	$	31,619

The following tables present the class of collateral, by loan portfolio segment, for individually evaluated, collateral dependent loans as of the dates indicated:

	*June 30, 2024*
	*Commercial Real Estate*		*Residential Real Estate*		*Business Assets*		*Total*
Real Estate:	*(dollars in thousands)*
Construction and land development	$	10,000	$	—	$	—	$	10,000
Commercial real estate		17,205		412		—		17,617
Single-family residential mortgages		—		19,623		—		19,623
Commercial:
Commercial and industrial		—		6,348		124		6,472
SBA		759		26		85		870
Total loans	$	27,964	$	26,409	$	209	$	54,582

	*December 31, 2023*
	*Commercial Real Estate*		*Residential Real Estate*		*Business Assets*		*Total*
Real Estate:	*(dollars in thousands)*
Commercial real estate	$	10,353	$	216	$	—	$	10,569
Single-family residential mortgages		—		18,103		—		18,103
Commercial:
Commercial and industrial		—		610		244		854
SBA		800		1,200		85		2,085
Total loans	$	11,153	$	20,129	$	329	$	31,611

No interest income was recognized on a cash basis during the three months and six months ended June 30, 2024, and 2023. We did not recognize any interest income on nonaccrual loans during the three months and six months ended June 30, 2024 and 2023, while the loans were in nonaccrual status.

Occasionally, we modify loans to borrowers in financial distress by providing principal forgiveness, term extension, or interest rate reduction. We may provide multiple types of concessions on one loan. When principal forgiveness is provided, the amount of forgiveness is charged-off against the allowance for loan losses.

There were no loans that were both experiencing financial difficulty and modified during the three months and six months ended June 30, 2024 and the year ended December 31, 2023.

There were no commitments to lend additional amounts at June 30, 2024 and December 31, 2023 to customers with outstanding modified loans. There were no nonaccrual loans that were modified during the past twelve months that had payment defaults during the periods.

Note 13 - Leases - Operating Lease (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
ROU assets	$ 30,530	$ 29,803
Total present value of lease payments	$ 32,087	$ 31,191
Weighted-average remaining lease term (in years) (Year)	7 years 10 days	7 years 7 months 17 days
Weighted-average discount rate	2.78%	1.72%

Note 5 - Loan Servicing - Schedule of Principal Balances of Mortgage and SBA Loans Serviced for Others (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Mortgages [Member]
Loans serviced for others	$ 967,005	$ 1,014,017
Small Business Administration Loans [Member]
Loans serviced for others	100,958	100,336
Commerical Real Estate Loans [Member]
Loans serviced for others	3,786	3,813
Construction Loans [Member]
Loans serviced for others	$ 5,521	$ 4,710

Note 3 - Investment Securities - Amortized Cost and Fair Value of Available for Sale Securities and Held to Maturity Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Available for sale, Amortized Cost	$ 355,733	$ 347,070
Available for sale, gross unrealized gains	296	620
Available for sale, gross unrealized losses	(30,447)	(28,729)
Available for sale	325,582	318,961
Held to maturity (fair value of $4,928 and $5,097 at June 30, 2024 and December 31, 2023)	5,200	5,209
Held to maturity, gross unrealized gains	0	3
Held to maturity, gross unrealized losses	(272)	(115)
Securities held to maturity, fair value	4,928	5,097
US Government Agencies Debt Securities [Member]
Available for sale, Amortized Cost	7,595	8,705
Available for sale, gross unrealized gains	0	0
Available for sale, gross unrealized losses	(535)	(544)
Available for sale	7,060	8,161
Small Business Administration Agency Securities [Member]
Available for sale, Amortized Cost	13,441	13,289
Available for sale, gross unrealized gains	12	144
Available for sale, gross unrealized losses	(269)	(216)
Available for sale	13,184	13,217
Residential Mortgage-Backed Securities [Member]
Available for sale, Amortized Cost	38,453	40,507
Available for sale, gross unrealized gains	0	0
Available for sale, gross unrealized losses	(6,331)	(5,855)
Available for sale	32,122	34,652
Residential Collateralized Mortgage Obligations [Member]
Available for sale, Amortized Cost	97,428	94,071
Available for sale, gross unrealized gains	112	454
Available for sale, gross unrealized losses	(12,905)	(12,198)
Available for sale	84,635	82,327
Commercial Collateralized Mortgage Obligations [Member]
Available for sale, Amortized Cost	76,475	69,941
Available for sale, gross unrealized gains	148	22
Available for sale, gross unrealized losses	(2,863)	(2,664)
Available for sale	73,760	67,299
Commercial Paper [Member]
Available for sale, Amortized Cost	74,954	73,121
Available for sale, gross unrealized gains	0	0
Available for sale, gross unrealized losses	(14)	(16)
Available for sale	74,940	73,105
Corporate Debt Securities [Member]
Available for sale, Amortized Cost	34,768	34,800
Available for sale, gross unrealized gains	24	0
Available for sale, gross unrealized losses	(3,960)	(4,109)
Available for sale	30,832	30,691
Municipal Bonds [Member]
Available for sale, Amortized Cost	12,619	12,636
Available for sale, gross unrealized gains	0	0
Available for sale, gross unrealized losses	(3,570)	(3,127)
Available for sale	9,049	9,509
Held to maturity (fair value of $4,928 and $5,097 at June 30, 2024 and December 31, 2023)	4,699	4,708
Held to maturity, gross unrealized gains	0	0
Held to maturity, gross unrealized losses	(270)	(115)
Securities held to maturity, fair value	4,429	4,593
Taxable Municipal Bonds [Member]
Held to maturity (fair value of $4,928 and $5,097 at June 30, 2024 and December 31, 2023)	501	501
Held to maturity, gross unrealized gains	0	3
Held to maturity, gross unrealized losses	(2)	0
Securities held to maturity, fair value	$ 499	$ 504

Note 6 - Goodwill and Intangibles (Details Textual) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Goodwill	$ 71,498,000		$ 71,498,000		$ 71,498,000
Goodwill, Impairment Loss			0	$ 0
Amortization of Intangible Assets			1,173,000	1,319,000
Core Deposits [Member]
Finite-Lived Intangible Assets, Gross	2,400,000		2,400,000		$ 2,800,000
Amortization of Intangible Assets	$ 201,000	$ 235,000	$ 402,000	$ 472,000
Core Deposits [Member] \| Minimum [Member]
Finite-Lived Intangible Asset, Useful Life (Year)	8 years		8 years
Core Deposits [Member] \| Maximum [Member]
Finite-Lived Intangible Asset, Useful Life (Year)	10 years		10 years

Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
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-Section 55
-Paragraph 49
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Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
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Note 6 - Goodwill and Intangibles

6 Months Ended

Jun. 30, 2024

Goodwill and Intangible Assets Disclosure [Text Block]

NOTE 6 - GOODWILL AND INTANGIBLES

Goodwill is generally determined as the excess of the fair value of the consideration transferred, plus the fair value of any non-controlling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date. Goodwill resulting from whole bank and branch acquisitions is tested for impairment at least annually during the fourth quarter of each year, and more frequently, if events or circumstances indicate the value of goodwill may be impaired. We completed our most recent evaluation of goodwill as of December 31, 2023 and determined that no goodwill impairment existed. Goodwill amounted to $71.5 million at both June 30, 2024 and December 31, 2023, and is the only intangible asset with an indefinite life on our balance sheet. There were no triggering events during the three months and six months ended June 30, 2024 that caused management to evaluate goodwill for a quantitative impairment analysis as of June 30, 2024. We did not record any adjustments to goodwill during the three months and six months ended June 30, 2024 and June 30, 2023.

Other intangible assets consist of core deposit intangible ("CDI") assets arising from whole bank and branch acquisitions. CDI assets are amortized on an accelerated method over their estimated useful life of 8 to 10 years. The unamortized balance at June 30, 2024 and December 31, 2023 was $2.4 million and $2.8 million. CDI amortization expense was $201,000 and $235,000 for the three months ended June 30, 2024 and 2023, and $402,000 and $472,000 for the six months ended June 30, 2024 and 2023.

Estimated CDI amortization expense for future years is as follows:


As of June 30, 2024:		*CDI Amortization Expense*
		*(dollars in thousands)*
Remainder of 2024	$	383
2025		672
2026		501
2027		417
2028		297
Thereafter		124
Total	$	2,394

Document And Entity Information - shares	6 Months Ended
Document And Entity Information - shares	Jun. 30, 2024	Aug. 02, 2024
Document Information [Line Items]
Entity Central Index Key	0001499422
Entity Registrant Name	RBB Bancorp
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2024
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2024
Document Transition Report	false
Entity File Number	001-38149
Entity Incorporation, State or Country Code	CA
Entity Tax Identification Number	27-2776416
Entity Address, Address Line One	1055 Wilshire Blvd., Suite 1200
Entity Address, City or Town	Los Angeles
Entity Address, State or Province	CA
Entity Address, Postal Zip Code	90017
City Area Code	213
Local Phone Number	627-9888
Title of 12(b) Security	Common Stock, No Par Value
Trading Symbol	RBB
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		17,804,788

Note 19 - Revenue From Contracts With Customers (Tables)

6 Months Ended

Jun. 30, 2024

Disaggregation of Revenue [Table Text Block]

	*For the Three Months Ended*						*For the Six Months Ended June 30,*
	*June 30, 2024*		*March 31, 2024*		*June 30, 2023*		*2024*		*2023*
Non-interest income, in scope	*(dollars in thousands)*
Fees and service charges on deposit accounts	$	490	$	457	$	562	$	947	$	1,034
Other fees ⁽¹⁾		221		187		305		408		480
Other income ⁽²⁾		574		535		558		1,109		1,109
Gain on sale of OREO		292		164		—		456		—
Total in-scope non-interest income		1,577		1,343		1,425		2,920		2,623
Non-interest income, not in scope ⁽³⁾		1,911		2,029		1,068		3,940		2,232
Total non-interest income	$	3,488	$	3,372	$	2,493	$	6,860	$	4,855

Note 4 - Loans and Allowance for Credit Losses (Details Textual) Pure in Thousands, $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Financing Receivable Number Of Loans 90 Days Past Due And Still Accruing	$ 0		$ 0		$ 0
Financing Receivable, Nonaccrual, Interest Income	$ 0	$ 0	$ 0	$ 0
Number Of Loans Identified As Troubled Debt Restructurings	0		0		0
Financing Receivable, Modified, Commitment to Lend	$ 0		$ 0		$ 0

Note 9 - Subordinated Debentures - Schedule of Subordinated Debentures (Details) - USD ($)
$ in Thousands

6 Months Ended

Jun. 30, 2024

Dec. 31, 2023

Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]

Secured Overnight Financing Rate (SOFR) [Member]

Subordinated Debt [Member]

$ 119,338

$ 119,147

17,527

2,480

TFC Trust [Member] | Subordinated Debt [Member]

15,047

5,155

1,144

Debt instrument, variable rate

$ 4,011

Tenor spread adjustment

^[1]

0.26%

Effective rate

7.25%

1.65%

FAIC Trust [Member] | Subordinated Debt [Member]

$ 7,217

803

Debt instrument, variable rate

$ 6,414

Tenor spread adjustment

^[1]

0.26%

Effective rate

7.85%

2.25%

PGBH Trust [Member] | Subordinated Debt [Member]

$ 5,155

533

Debt instrument, variable rate

$ 4,622

Tenor spread adjustment

^[1]

0.26%

Effective rate

7.70%

2.10%

[1]	Represents applicable tenor spread adjustment when the original LIBOR index was discontinued on June 30, 2023.

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended			6 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Net income	$ 7,245	$ 8,036	$ 10,949	$ 15,281	$ 21,919
Other comprehensive income/(loss):
Unrealized gain/(loss) on securities available for sale	43	(2,085)	(3,591)	(2,042)	(1,014)
Related income tax effect	24	615	1,064	639	274
Total other comprehensive income/(loss)	67	(1,470)	(2,527)	(1,403)	(740)
Total comprehensive income	$ 7,312	$ 6,566	$ 8,422	$ 13,878	$ 21,179

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income. Excludes changes in equity resulting from investments by owners and distributions to owners.

Amount after tax and reclassification adjustments of other comprehensive income (loss).

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Note 7 - Deposits - Schedule of Maturities of Time Deposits (Details) $ in Thousands	Jun. 30, 2024 USD ($)
One year or less, 250,000 and under	$ 1,000,242
One year or less, over 250,000	816,971
One year or less	1,817,213
Two to three years, 250,000 and under	13,113
Two to three years, over 250,000	1,404
Two to three years	14,517
Over three years, 250,000 and under	834
Over three years, over 250,000	300
Over three years	1,134
Total, 250,000 and under	1,014,189
Total, over 250,000	818,675
Total	$ 1,832,864

Note 18 - Earnings Per Share

6 Months Ended

Jun. 30, 2024

Earnings Per Share [Text Block]

NOTE 18 - EARNINGS PER SHARE

The following is a reconciliation of net income and shares outstanding to the net income and number of shares used to compute earnings per share (“EPS”) for the periods indicated:

	*For the Three Months Ended*
	*June 30, 2024*				*March 31, 2024*				*June 30, 2023*
	*Income*		*Shares*		*Income*		*Shares*		*Income*		*Shares*
	*(dollars in thousands except per share data)*
Net income	$	7,245			$	8,036			$	10,949
Shares outstanding				18,182,154				18,578,132				18,995,303
Impact of weighting shares				193,816				23,145				(1,820	)
Used in basic EPS		7,245		18,375,970		8,036		18,601,277		10,949		18,993,483
Dilutive effect of outstanding
Stock options				5,836				11,153				1,617
Restricted stock units				24,295				38,660				—
Performance stock units				796				612				—
Used in dilutive EPS	$	7,245		18,406,897	$	8,036		18,651,702	$	10,949		18,995,100

Basic earnings per common share	$	0.39			$	0.43			$	0.58
Diluted earnings per common share	$	0.39			$	0.43			$	0.58

	*For the Six Months Ended June 30,*
	*2024*				*2023*
	*Income*		*Shares*		*Income*		*Shares*
	*(dollars in thousands except per share data)*
Net income	$	15,281			$	21,919
Shares outstanding				18,182,154				18,995,303
Impact of weighting shares				306,469				(5,617	)
Used in basic EPS		15,281		18,488,623		21,919		18,989,686
Dilutive effect of outstanding
Stock options				8,495				25,578
Restricted stock units				31,477				6,978
Performance stock units				704				—
Used in dilutive EPS	$	15,281		18,529,299	$	21,919		19,022,242

Basic earnings per common share	$	0.83			$	1.15
Diluted earnings per common share	$	0.82			$	1.15

Stock options for 115,500 shares and 438,153 shares of common stock, restricted stock units for 3,005 shares and 26,660 shares of common stock, and performance stock units for 15,634 shares and zero shares of common stock were not considered in computing diluted earnings per common share for June 30, 2024 and 2023, because they were anti-dilutive.

Note 11 - Income Taxes

6 Months Ended

Jun. 30, 2024

Income Tax Disclosure [Text Block]

NOTE 11 - INCOME TAXES

The asset and liability method is used in accounting for income taxes. Under this method, deferred tax assets and liabilities are determined based on differences between financial reporting and tax bases of assets and liabilities and are measured using the enacted tax rates and laws that will be in effect when the differences are expected to reverse.

We recorded an income tax provision of $2.5 million and $4.6 million, reflecting an effective tax rate of 25.9% and 29.5% for the three months ended June 30, 2024 and 2023, and $5.8 million and $9.1 million, reflecting an effective tax rate of 27.4% and 29.4% for the six months ended June 30, 2024 and 2023. We recognized a tax expense/(benefit) from stock option exercises of $16,000 and zero for the three months ended June 30, 2024 and 2023 and $24,000 and $(5,000) for the six months ended June 30, 2024 and 2023.

The entire disclosure for income tax.

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-Section 55
-Paragraph 231
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482663/740-10-55-231

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12C
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-12C

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-12B

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 270
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477891/740-270-50-1

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SAB Topic 6.I.5.Q1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479360/740-10-S99-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480990/946-20-50-13

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(h)(2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/740/tableOfContent

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-14

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
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-Section 50
-Paragraph 21
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-21

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 17
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-17

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SAB Topic 11.C)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479360/740-10-S99-2

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482603/740-30-50-2

Note 22 - Subsequent Events

6 Months Ended

Jun. 30, 2024

Subsequent Events [Text Block]

NOTE 22 - SUBSEQUENT EVENTS

On July 18, 2024, we announced the Board of Directors had declared a common stock cash dividend of $0.16 per share, payable on August 12, 2024 to common shareholders of record as of July 31, 2024.

Note 18 - Earnings Per Share (Details Textual) - Common Stock [Member] - shares	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Share-Based Payment Arrangement, Option [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	115,500	438,153
Restricted Stock Units (RSUs) [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	3,005	26,660
Performance-based Restricted Stock Units [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares)	15,634	0

Note 22 - Subsequent Events (Details Textual) - $ / shares		3 Months Ended		6 Months Ended
	Jul. 18, 2024	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Common Stock, Dividends, Per Share, Declared (in dollars per share)		$ 0.16	$ 0.16	$ 0.32	$ 0.32
Subsequent Event [Member] \| O, 2024, Q3, Dividends [Member]
Common Stock, Dividends, Per Share, Declared (in dollars per share)	$ 0.16
Dividends Payable, Date Declared	Jul. 18, 2024
Dividends Payable, Date to be Paid	Aug. 12, 2024
Dividends Payable, Date of Record	Jul. 31, 2024

Note 9 - Subordinated Debentures (Details Textual)		1 Months Ended		3 Months Ended		6 Months Ended
Note 9 - Subordinated Debentures (Details Textual)	Oct. 01, 2018	Jan. 31, 2020 USD ($) shares	Oct. 31, 2018 USD ($) shares	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)	Sep. 30, 2023 USD ($)	Dec. 31, 2016 USD ($)
Subordinated Debt				$ 15,000,000		$ 15,000,000		$ 14,900,000
Debt Instrument, Face Amount				120,000,000		120,000,000		120,000,000
Interest Expense, Debt				1,200,000	$ 2,100,000	2,400,000	$ 4,100,000
Subordinated Debt [Member]
Interest Expense, Debt				329,000	301,000	658,000	$ 591,000
Debt Amortization Expense				55,000	$ 55,000	109,000
TFC Statutory Trust [Member]
Number of Trust Capital Securities										5,000
Trust Capital Securities, Liquidation Amount										$ 5,000,000
Common Securities Liquidation Preference Value										155,000
TFC Statutory Trust [Member] \| Other Assets [Member]
Common Stock Held in Trust									$ 155,000
TFC Statutory Trust [Member] \| Subordinated Debt [Member]
Debt Instrument, Face Amount									$ 5,000,000
SEC Schedule, 12-09, Valuation Allowances and Reserves, Amount				$ 1,100,000		$ 1,100,000		$ 1,200,000		$ 1,900,000
Debt Instrument, Interest Rate, Effective Percentage				7.25%		7.25%		7.30%
TFC Statutory Trust [Member] \| Subordinated Debt [Member] \| Tenor Spread Adjustment [Member]
Debt Instrument, Basis Spread on Variable Rate				0.26%
TFC Statutory Trust [Member] \| Subordinated Debt [Member] \| Secured Overnight Financing Rate (SOFR) [Member]
Debt Instrument, Basis Spread on Variable Rate				1.65%
First American International Statutory Trust I 1[Member]
Common Unit, Issued (in shares) \| shares			7,000
Floating Rate Maturity Period (Year)			30 years
First American International Statutory Trust I 1[Member] \| Other Assets [Member]
Common Stock Held in Trust			$ 217,000
First American International Statutory Trust I 1[Member] \| Subordinated Debt [Member]
SEC Schedule, 12-09, Valuation Allowances and Reserves, Amount			$ 1,200,000	$ 803,000		$ 803,000		$ 842,000
Debt Instrument, Interest Rate, Effective Percentage				7.85%		7.85%		7.90%
First American International Statutory Trust I 1[Member] \| Subordinated Debt [Member] \| Tenor Spread Adjustment [Member]
Debt Instrument, Basis Spread on Variable Rate	0.26%
First American International Statutory Trust I 1[Member] \| Subordinated Debt [Member] \| Secured Overnight Financing Rate (SOFR) [Member]
Debt Instrument, Basis Spread on Variable Rate	2.25%
PGB Holdings Inc And Banking Subsidiary Pacific Global Bank [Member]
Common Securities Liquidation Preference Value		$ 155,000
Common Unit, Issued (in shares) \| shares		5,000
Common Unit Liquidation Preference Value		$ 5,000,000
PGB Holdings Inc And Banking Subsidiary Pacific Global Bank [Member] \| Subordinated Debt [Member]
SEC Schedule, 12-09, Valuation Allowances and Reserves, Amount		$ 763,000		$ 533,000		$ 533,000		$ 559,000
Debt Instrument, Interest Rate, Effective Percentage				7.70%		7.70%		7.75%
PGB Holdings Inc And Banking Subsidiary Pacific Global Bank [Member] \| Subordinated Debt [Member] \| Tenor Spread Adjustment [Member]
Debt Instrument, Basis Spread on Variable Rate		0.26%
PGB Holdings Inc And Banking Subsidiary Pacific Global Bank [Member] \| Subordinated Debt [Member] \| Secured Overnight Financing Rate (SOFR) [Member]
Debt Instrument, Basis Spread on Variable Rate		2.10%

Note 19 - Revenue From Contracts With Customers

6 Months Ended

Jun. 30, 2024

Revenue from Contract with Customer [Text Block]

NOTE 19 – REVENUE FROM CONTRACTS WITH CUSTOMERS

The following is a summary of revenue from contracts with customers that are in-scope and not in-scope under ASC Topic 606 for the periods indicated:

	*For the Three Months Ended*						*For the Six Months Ended June 30,*
	*June 30, 2024*		*March 31, 2024*		*June 30, 2023*		*2024*		*2023*
Non-interest income, in scope	*(dollars in thousands)*
Fees and service charges on deposit accounts	$	490	$	457	$	562	$	947	$	1,034
Other fees ⁽¹⁾		221		187		305		408		480
Other income ⁽²⁾		574		535		558		1,109		1,109
Gain on sale of OREO		292		164		—		456		—
Total in-scope non-interest income		1,577		1,343		1,425		2,920		2,623
Non-interest income, not in scope ⁽³⁾		1,911		2,029		1,068		3,940		2,232
Total non-interest income	$	3,488	$	3,372	$	2,493	$	6,860	$	4,855

(1)

Other fees consist of wealth management fees, miscellaneous loan fees and postage/courier fees.

(2)

Other income consists of safe deposit box rental income, wire transfer fees, security brokerage fees, annuity sales, insurance activity, and OREO income.

(3)

Represents revenue that is out of scope of ASC 606 including net loan servicing income, letter of credit commissions, import/export commissions, BOLI income, gains (losses) on sales of loans, income from equity investments, and gain on transfer to OREO.

The major revenue streams by fee type that are within the scope of ASC 606 presented in the above tables are described in additional detail below:

Fees and Services Charges on Deposit Accounts

Fees and service charges on deposit accounts include charges for analysis, overdraft, cash checking, ATM, and safe deposit activities executed by our deposit clients, as well as interchange income earned through card payment networks for the acceptance of card based transactions. Fees earned from our deposit clients are governed by contracts that provide for overall custody and access to deposited funds and other related services, and can be terminated at will by either party; this includes fees from money service businesses. Fees received from deposit clients for the various deposit activities are recognized as revenue once the performance obligations are met.

Wealth Management Fees

We employ financial consultants to provide investment planning services for customers including wealth management services, asset allocation strategies, portfolio analysis and monitoring, investment strategies, and risk management strategies. The fees we earn are variable and are generally received monthly. We recognize revenue for the services performed at quarter-end based on actual transaction details received from the broker dealer we engage.

In our wealth management division, revenue is primarily generated from (1) securities brokerage accounts, (2) investment advisor accounts, (3) full service brokerage implementation fees, and (4) life insurance and annuity products.

Gain/(loss) on Sales of Other Real Estate Owned

We record a gain or loss from the sale of OREO, when control of the property or asset transfers to the buyer, which generally occurs at the time of an executed deed or sales agreement.

The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-9

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
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-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-10

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-15

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-12

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-13

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Topic 606
-Publisher FASB
-URI https://asc.fasb.org/606/tableOfContent

Note 18 - Earnings Per Share - Reconciliation of Net Income and Shares Outstanding to Income and Number of Shares Used to Compute EPS (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended			6 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Net income	$ 7,245	$ 8,036	$ 10,949	$ 15,281	$ 21,919
Shares outstanding, shares (in shares)	18,182,154	18,578,132	18,995,303	18,182,154	18,995,303
Impact of weighting shares, shares (in shares)	193,816	23,145	(1,820)	306,469	(5,617)
Used in basic EPS, income	$ 7,245	$ 8,036	$ 10,949	$ 15,281	$ 21,919
Basic (in shares)	18,375,970	18,601,277	18,993,483	18,488,623	18,989,686
Used in dilutive EPS, income	$ 7,245	$ 8,036	$ 10,949	$ 15,281	$ 21,919
Diluted (in shares)	18,406,897	18,651,702	18,995,100	18,529,299	19,022,242
Basic (in dollars per share)	$ 0.39	$ 0.43	$ 0.58	$ 0.83	$ 1.15
Diluted (in dollars per share)	$ 0.39	$ 0.43	$ 0.58	$ 0.82	$ 1.15
Share-Based Payment Arrangement, Option [Member]
Dilutive shares (in shares)	5,836	11,153	1,617	8,495	25,578
Restricted Stock Units (RSUs) [Member]
Dilutive shares (in shares)	24,295	38,660	0	31,477	6,978
Performance Stock Units [Member]
Dilutive shares (in shares)	796	612	0	704	0

Note 7 - Deposits (Tables)

6 Months Ended

Jun. 30, 2024

Time Deposit Maturities [Table Text Block]

		*$250,000 and under*		*Greater than $250,000*		*Total*
Time Deposits Maturities Periods:		*(dollars in thousands)*
One year or less	$	1,000,242	$	816,971	$	1,817,213
Two to three years		13,113		1,404		14,517
Over three years		834		300		1,134
Total	$	1,014,189	$	818,675	$	1,832,864

Note 19 - Revenue From Contracts With Customers - Summary of Revenue From Contracts With Customers In-scope and Not In-scope under Topic 606 (Details) - USD ($)
$ in Thousands

3 Months Ended

6 Months Ended

Jun. 30, 2024

Mar. 31, 2024

Jun. 30, 2023

Jun. 30, 2024

Jun. 30, 2023

Non-interest income, not in scope (3)

$ 1,577

$ 1,343

$ 1,425

$ 2,920

$ 2,623

Gain on sale of OREO

292

164

456

^[1]

1,911

2,029

1,068

3,940

2,232

Total noninterest income

3,488

3,372

2,493

6,860

4,855

Fees And Service Charges On Deposit Accounts [Member]

490

457

562

947

1,034

Other Fees [Member]

Other Service Income [Member]

^[2]

221

187

305

408

480

^[3]

$ 574

$ 535

$ 558

$ 1,109

[1]	Represents revenue that is out of scope of ASC 606 including net loan servicing income, letter of credit commissions, import/export commissions, BOLI income, gains (losses) on sales of loans, income from equity investments, and gain on transfer to OREO.
[2]	Other fees consist of wealth management fees, miscellaneous loan fees and postage/courier fees.
[3]	Other income consists of safe deposit box rental income, wire transfer fees, security brokerage fees, annuity sales, insurance activity, and OREO income.

Amount, excluding tax collected from customer, of revenue from satisfaction of performance obligation by transferring promised good or service to customer. Tax collected from customer is tax assessed by governmental authority that is both imposed on and concurrent with specific revenue-producing transaction, including, but not limited to, sales, use, value added and excise.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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-Paragraph 41
-Subparagraph (a)
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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-Section S99
-Paragraph 1
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
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-Section 50
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-URI https://asc.fasb.org/1943274/2147479806/606-10-50-5

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-40

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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-Section 50
-Paragraph 22
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 606
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479806/606-10-50-4

Note 9 - Subordinated Debentures (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of Subordinated Debentures [Table Text Block]

	*Issue Date*		*Principal Amount*		*Unamortized Valuation Reserve*		*Recorded Value*	*Stated Rate Description*	*June 30, 2024 Effective Stated Rate*			*Stated Maturity*
Subordinated debentures:	*(dollars in thousands)*
TFC Trust	December 22, 2006	$	5,155	$	1,144	$	4,011	Three-month CME Term SOFR plus 0.26% (a) plus 1.65%,		7.25	%	March 15, 2037
FAIC Trust	December 15, 2004		7,217		803		6,414	Three-month CME Term SOFR plus 0.26% (a) plus 2.25%		7.85	%	December 15, 2034
PGBH Trust	December 15, 2004		5,155		533		4,622	Three-month CME Term SOFR plus 0.26% (a) plus 2.10%		7.70	%	December 15, 2034
Total		$	17,527	$	2,480	$	15,047

Significant Accounting Policies (Policies)	6 Months Ended
Significant Accounting Policies (Policies)	Jun. 30, 2024
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation The accompanying unaudited consolidated financial statements and notes thereto of the Company have been prepared in accordance with the rules and regulations of the Securities and Exchange Commission (“SEC”) for Form 10-Q and conform to practices within the banking industry and include all of the information and disclosures required by accounting principles generally accepted in the United States of America (“GAAP”) for interim financial reporting. The accompanying unaudited consolidated financial statements reflect all adjustments (consisting only of normal recurring adjustments), which are necessary for a fair presentation of financial results for the interim periods presented. Certain prior period amounts have been reclassified to conform to the current period presentation. Such reclassifications had no impact on our net income or shareholders’ equity. The results of operations for the three months and the six months ended June 30, 2024 are not necessarily indicative of the results for the full year. These interim unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements and the notes thereto as of and for the year ended December 31, 2023, included in our Annual Report on Form 10-K for the fiscal year ended December 31, 2023 (our “2023 Annual Report”).
Use of Estimates, Policy [Policy Text Block]	Use of Estimates in the Preparation of Financial Statements The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. It is reasonably possible that these estimates could change as actual results could differ from those estimates. The allowance for credit losses, realization of deferred tax assets, the valuation of goodwill and other intangible assets, other derivatives, and the fair value measurement of financial instruments are particularly subject to change and such change could have a material effect on the consolidated financial statements.
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements Recently adopted In June 2022, the FASB issued ASU 2022-03, Fair Value Measurement (Topic 820)—Fair Value Measurement of Equity Securities Subject to Contractual Sale Restrictions. This pronouncement clarifies that a contractual restriction on the sale of an equity security is not considered part of the unit of account of the equity security and, therefore, is not considered in measuring fair value. ASU 2022-03 also clarifies that an entity cannot, as a separate unit of account, recognize and measure a contractual sale restriction and requires certain new disclosures for equity securities subject to contractual sale restrictions. We adopted ASU 2022-03 on January 1, 2024 and the adoption did not have a material impact on our consolidated financial statements. In March 2023, the FASB issued ASU 2023-02, Investments - Equity Method and Joint Ventures (Topic 323). This Update permits reporting entities to elect to account for their tax equity investments using the proportional amortization method if certain conditions are met. It requires that a liability to be recognized for delayed equity contributions that are unconditional and legally binding or for equity contributions that are contingent upon a future event when that contingent event becomes probable. The reporting entity needs to disclose the nature of its tax equity investments and the effect of its tax equity investments on its financial position and results of operations. ASU 2023-02 is effective for us in fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. We adopted ASU 2023-02 on January 1, 2024 and the adoption did not have a material impact on our consolidated financial statements. Recently issued not* yet effective* In October 2023, the FASB issued ASU 2023-06, Disclosure Improvements. This pronouncement amends the FASB Accounting Standards Codification to reflect updates and simplifications to certain disclosure requirements referred to the FASB by the SEC in 2018, including disclosures for the statement of cash flows, earnings per share, commitments, debt and equity instruments, and certain industry information, among other things. Each amendment is effective when the related disclosure is effectively removed from Regulations S-X or S-K; early adoption is prohibited. All amendments should be applied prospectively. If the SEC has not removed the applicable requirement from Regulation S-X or Regulation S-K by June 30, 2027, the pending amendments will be removed and will not become effective for any entity. Adoption of ASU 2023-06 is not expected to have a material impact on our consolidated financial statements. In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280) - Improvements to Reportable Segments. The amendments in this Update improve financial reporting by requiring disclosure of incremental segment information on an annual and interim basis. Amendments in this Update include: a requirement that a public entity provide all annual disclosures about a reportable segment’s profit or loss in its interim period disclosures, disclosure of significant segment expenses that are regularly provided to the chief operating decision maker (“CODM”), disclosure of amounts for other segment items by reportable segment and a description of its composition, clarification that if the CODM uses more than one measure of a segment’s profit or loss in assessing segment performance and deciding how to allocate resources, a public entity may report one or more of those additional measures of segment profit or loss, a requirement that a public entity disclose the title and position of the CODM, and an explanation of how the CODM uses the reported measure(s) of segment profit or loss, and a requirement that a public entity that has a single reportable segment provide all the disclosures required by this Update as well as all existing disclosures required in Topic 280. The amendments in this Update are effective for the Company beginning with its 2024 annual financial statement disclosures for the year ended December 31, 2024, and for all interim and annual periods thereafter. Early adoption is permitted. Adoption of ASU 2023-07 is not expected to have a material impact on our consolidated financial statements. In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740) - Improvements to Income Tax Disclosures. This Update enhances the transparency and decision usefulness of income tax disclosures. The amendments in this Update require the following: 1) consistent categories and greater disaggregation of information in the rate reconciliation, and 2) income taxes paid disaggregated by jurisdiction. The amendments in the ASU are effective for annual periods beginning after December 15, 2024. Early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The amendments in this Update should be applied on a prospective basis. However, retrospective application in all prior periods presented is permitted. Adoption of ASU 2023-09 is not expected to have a material impact on our consolidated financial statements.

Note 10 - Borrowing Arrangements (Details Textual) - USD ($)

3 Months Ended

6 Months Ended

Jun. 30, 2024

Jun. 30, 2023

Jun. 30, 2024

Jun. 30, 2023

Dec. 31, 2023

Financing Receivable, before Allowance for Credit Loss

^[1]

$ 3,047,712,000

$ 3,031,861,000

Long-Term Federal Home Loan Bank Advances

$ 150,000,000

Federal Home Loan Bank, Advances, Activity for Year, Average Interest Rate at Period End

1.18%

Advances from Federal Home Loan Banks, Total

$ 150,000,000

Other Financial Institutions [Member]

Line of Credit Facility, Maximum Borrowing Capacity

$ 92,000,000

92,000,000

Federal Home Loan Bank Advances [Member]

Debt Instrument, Term (Year)

5 years

Interest Paid, Including Capitalized Interest, Operating and Investing Activities

$ 439,000

$ 579,000

878,000

$ 2,000,000

Unsecured Debt [Member] | Other Financial Institutions [Member]

Line of Credit Facility, Maximum Borrowing Capacity

80,000,000

Secured Debt [Member] | Other Financial Institutions [Member]

Line of Credit Facility, Maximum Borrowing Capacity

12,000,000

Federal Home Loan Bank Overnight Advances [Member]

Long-Term Federal Home Loan Bank Advances

Advances from Federal Home Loan Banks, Total

Asset Pledged as Collateral [Member] | Other Financial Institutions [Member]

Financing Receivable, before Allowance for Credit Loss

20,400,000

Federal Home Loan Bank Secured Line of Credit [Member]

Line of Credit Facility, Maximum Borrowing Capacity

939,700,000

Federal Home Loan Bank Secured Line of Credit [Member] | Asset Pledged as Collateral [Member]

Financing Receivable, before Allowance for Credit Loss

1,300,000

Federal Home Loan Bank of San Francisco Secured Line of Credit [Member]

Line of Credit Facility, Maximum Borrowing Capacity

45,900,000

Federal Home Loan Bank of San Francisco Secured Line of Credit [Member] | Asset Pledged as Collateral [Member]

Financing Receivable, before Allowance for Credit Loss

$ 64,000,000

[1]	Past due loans include nonaccrual loans and are therefore included in total loans.

Note 8 - Long-term Debt

6 Months Ended

Jun. 30, 2024

Long-Term Debt [Text Block]

NOTE 8 - LONG-TERM DEBT

In November 2018, we issued $55.0 million of 6.18% fixed-to-floating rate subordinated notes, with a December 1, 2028 maturity date (the “2028 Subordinated Notes”). The interest rate was fixed through December 1, 2023 and was scheduled to float at three-month CME Term SOFR plus applicable tenor spread adjustment of 26 basis points plus 315 basis points thereafter. On December 1, 2023, we redeemed the 2028 Subordinated Notes at a redemption price equal to 100% of the principal amount plus accrued and unpaid interest.

In March 2021, we issued $120.0 million of 4.00% fixed-to-floating rate subordinated notes, with an April 1, 2031 maturity date (the “2031 Subordinated Notes”). The interest rate is fixed through April 1, 2026 and is scheduled to float at three-month SOFR plus 329 basis points thereafter. We can redeem the 2031 Subordinated Notes beginning April 1, 2026. The 2031 Subordinated Notes are considered Tier 2 capital at the Company.

We were in compliance with all covenants under the long-term debt as of June 30, 2024. We paid interest of $1.2 million and $2.1 million for three months ended June 30, 2024 and 2023 and $2.4 million and $4.1 million for six months ended June 30, 2024 and 2023 on the subordinated notes. The aggregate amount of debt issuance cost amortization was $95,000 and $145,000 for three months ended June 30, 2024 and 2023 and $191,000 and $289,000 for six months ended June 30, 2024 and 2023.

The table below presents the long-term debt and unamortized debt issuance costs as of the dates indicated:

	*June 30, 2024*			*December 31, 2023*
	*(dollars in thousands)*
Principal	$	120,000		$	120,000
Unamortized debt issuance costs		(662	)		(853	)
Long-term debt, net of issuance costs	$	119,338		$	119,147

Note 4 - Loans and Allowance for Credit Losses - Risk Category of Loans (Details) - USD ($)
$ in Thousands

3 Months Ended

6 Months Ended

12 Months Ended

Jun. 30, 2024

Mar. 31, 2024

Jun. 30, 2023

Jun. 30, 2024

Jun. 30, 2023

Dec. 31, 2023

$ 338,267

$ 381,541

242,132

1,060,902

1,002,298

477,117

455,669

328,626

305,217

195,307

606,554

483,465

97,575

104,903

^[1]

3,047,712

3,031,861

2,157

273

130

562

231

417

202

567

$ 214

$ 614

781

$ 775

3,194

Pass [Member]

338,267

381,240

232,132

1,060,016

1,001,457

463,705

441,940

310,814

289,915

184,656

565,526

436,412

95,879

101,077

2,965,116

2,937,920

Special Mention [Member]

12,626

11,702

999

7,719

6,816

9,760

2,737

19,520

32,842

Substandard [Member]

301

10,000

886

841

786

2,027

17,812

14,303

2,932

34,212

37,293

1,693

1,089

63,076

61,099

Doubtful [Member]

145,436

127,602

28,429

25,880

23,844

27,117

3,919

1,373

192

104

202,459

181,469

140

Construction And Land Development Loans [Member] | Pass [Member]

(0)

140

145,436

127,602

18,429

25,880

12,168

15,415

3,919

1,373

192

104

Construction And Land Development Loans [Member] | Special Mention [Member]

180,757

169,793

11,676

11,702

Construction And Land Development Loans [Member] | Substandard [Member]

11,702

11,676

10,000

Construction And Land Development Loans [Member] | Doubtful [Member]

10,000

131,937

90,427

62,685

423,564

410,106

186,904

172,420

187,060

177,440

104,810

235,619

175,092

^[2]

1,190,207

1,167,857

2,078

459

225

417

Commercial Real Estate Portfolio Segment [Member] | Pass [Member]

526

116

399

642

399

2,537

131,937

90,126

62,685

423,564

410,106

186,904

172,420

175,650

166,440

94,796

218,493

152,847

Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]

1,162,081

1,123,887

7,719

6,816

4,880

Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]

6,816

12,599

301

11,410

11,000

2,295

10,310

17,365

Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member]

21,310

31,371

47,956

156,372

147,795

594,258

576,101

240,879

234,496

130,331

120,278

83,547

339,844

280,645

1,332

1,764

1,467,802

1,487,796

Single Family Residential Mortgages Loans [Member] | Pass [Member]

(0)

47,956

156,372

147,795

593,539

575,365

239,502

232,843

125,346

118,342

83,002

323,866

265,050

1,332

1,720

Single Family Residential Mortgages Loans [Member] | Special Mention [Member]

1,447,499

1,464,531

619

3,855

Single Family Residential Mortgages Loans [Member] | Substandard [Member]

4,474

719

736

758

1,653

4,985

1,936

545

15,978

11,740

Single Family Residential Mortgages Loans [Member] | Doubtful [Member]

20,303

18,791

7,301

1,305

1,176

3,370

3,022

6,281

4,342

4,311

3,706

2,056

11,226

9,652

95,876

103,121

126,649

130,096

Commercial and Industrial [Member] | Pass [Member]

(0)

7,301

1,305

1,176

3,283

2,943

6,281

4,342

2,901

2,342

2,049

6,391

4,700

94,180

99,339

Commercial and Industrial [Member] | Special Mention [Member]

118,675

119,858

2,737

Commercial and Industrial [Member] | Substandard [Member]

2,737

1,410

1,364

4,835

4,952

1,693

1,045

Commercial and Industrial [Member] | Doubtful [Member]

7,971

7,501

5,637

5,642

1,878

11,023

10,937

10,368

10,158

2,324

1,963

4,673

19,750

18,044

50,323

52,074

SBA Loans [Member] | Pass [Member]

(0)

5,637

5,642

1,878

11,023

10,937

10,037

9,826

2,324

964

4,588

16,661

13,783

SBA Loans [Member] | Special Mention [Member]

45,903

47,397

331

999

1,025

SBA Loans [Member] | Substandard [Member]

999

1,356

332

3,089

3,236

SBA Loans [Member] | Doubtful [Member]

3,421

3,321

Other Loans [Member]

193

169

2,807

2,132

8,841

7,136

681

457

367

10,272

12,569

273

130

Other Loans [Member] | Pass [Member]

$ 95

$ 153

136

$ 221

362

193

169

2,727

2,106

8,813

7,094

674

454

367

Other Loans [Member] | Special Mention [Member]

10,201

12,454

Other Loans [Member] | Substandard [Member]

Other Loans [Member] | Doubtful [Member]

115

$ 0

[1]	Past due loans include nonaccrual loans and are therefore included in total loans.
[2]	Includes non-farm and non-residential real estate loans, multifamily residential and 1-4 residential loans for a business purpose.

Note 15 - Stock-based Compensation

6 Months Ended

Jun. 30, 2024

Share-Based Payment Arrangement [Text Block]

NOTE 15 - STOCK-BASED COMPENSATION

RBB Bancorp 2010 Stock Option Plan and 2017 Omnibus Stock Incentive Plan

Under the RBB Bancorp 2010 Stock Option Plan (the “2010 Plan”), we were permitted to grant awards to eligible persons in the form of qualified and non-qualified stock options. We reserved up to 30% of the issued and outstanding shares of common stock as of the date we adopted the 2010 Plan, or 3,494,478 shares, for issuance under the 2010 Plan. Following receipt of shareholder approval of the 2017 Omnibus Stock Incentive Plan (the “OSIP”) in May 2017, no additional grants were made under the 2010 Plan. The 2010 Plan has been terminated and options that were granted under the 2010 Plan have become subject to the OSIP. Awards that were granted under the 2010 Plan will remain exercisable pursuant to the terms and conditions set forth in individual award agreements, but such awards will be assumed and administered under the OSIP. The 2010 Plan award agreements allow for acceleration of exercise privileges of grants upon occurrence of a change in control of the Company. If a participant’s job is terminated for cause, then all unvested awards expire at the date of termination.

Amended and Restated RBB Bancorp 2017 Omnibus Stock Incentive Plan

The Amended and Restated RBB Bancorp 2017 Omnibus Stock Incentive Plan (the "Amended OSIP") was approved by our board of directors in January 2019 and approved by our shareholders in May 2022. The Amended OSIP was designed to ensure continued availability of equity awards that will assist us in attracting and retaining competent managerial personnel and rewarding key employees, directors and other service providers for high levels of performance. Pursuant to the Amended OSIP, our board of directors are allowed to grant awards to eligible persons in the form of qualified and non-qualified stock options, restricted stock, restricted stock units, stock appreciation rights and other incentive awards. We reserved up to 30% of issued and outstanding shares of common stock as of the date we adopted the Amended OSIP, or 3,848,341 shares. As of June 30, 2024, there were 1,007,725 shares of common stock available for issuance under the Amended OSIP. This represents 5.5% of the issued and outstanding shares of our common stock as of June 30, 2024. Awards vest, become exercisable and contain such other terms and conditions as determined by the board of directors and set forth in individual agreements with the employees receiving the awards. The Amended OSIP enables the board of directors to set specific performance criteria that must be met before an award vests. The Amended OSIP allows for acceleration of vesting and exercise privileges of grants if a participant’s termination of employment is due to a change in control, death or total disability. If a participant’s job is terminated for cause, then all awards expire at the date of termination.

Stock Options

Compensation expense for stock options was $14,000, $21,000, and $66,000 for the three months ended June 30, 2024, March 31, 2024, and June 30, 2023, and $35,000 and $130,000 for the six months ended June 30, 2024 and 2023. Unrecognized stock-based compensation expense related to options was $144,000 and $434,000 as of June 30, 2024 and 2023. Unrecognized compensation expense related to stock options, as of June 30 2024, is expected to be recognized over the next 2.8 years.

The fair value of each option grant was estimated on the date of grant using the Black-Scholes option pricing model. The table below summarizes the assumptions and grant date fair value for stock options granted in March 2023. There were no stock options granted after March 31, 2023.

	March 2023
Expected volatility		28.4	%
Expected term (years)		8.0
Expected dividends		2.92	%
Risk free rate		4.27	%
Grant date fair value	$	5.49

The expected volatility is based on the historical volatility of our stock trading history. The expected term is based on historical data and represents the estimated average period of time that the options remain outstanding. The risk-free rate of return reflects the grant date interest rate offered for zero coupon U.S. Treasury bonds over the expected term of the options.

The table below presents a summary of our stock options awards and activity as of and for the six months ended June 30, 2024.

	*Outstanding Options*			*Weighted-Average Exercise Price*		*Weighted- Average Remaining Contractual Term in years*		*Aggregate Intrinsic Value*
	*(dollars in thousands, except for per share data)*
Outstanding at beginning of year		397,903		$	17.61
Exercised		(69,250	)		14.42
Forfeited/cancelled		(111,153	)		17.75
Outstanding at end of period		217,500		$	18.55		5.68	$	194

Options exercisable		190,167		$	18.17		5.29	$	194

The total fair value of the shares vested was $627,000 and $529,000 during the six months ended June 30, 2024, and 2023. Unvested stock options totaled 27,333 and 107,671 with a weighted average grant date fair value of $6.05 and $5.08, respectively, as of June 30, 2024 and 2023. The decrease of unvested stock options during the six months ended June 30, 2024 was due to 33,337 stock options vested with a weighted average grant date stock price of $18.11.

Cash received from the exercise of 28,250 stock options was $458,000 for the three months ended June 30, 2024 and no stock options were exercised for the three months ended June 30, 2023. The intrinsic value of options exercised was $81,000 for the three months ended June 30, 2024. Cash received from the exercise of 69,250 stock options was $999,000 for the six months ended June 30, 2024 and cash received from the exercise of 9,153 stock options was $159,000 for the six months ended June 30, 2023. The intrinsic value of options exercised was $260,000 and $26,000 for the six months ended June 30, 2024 and 2023.

Restricted Stock Units

We award time-based restricted stock units (“TRSUs”) and performance-based restricted stock units (“PRSUs”), which we also refer to collectively as restricted stock units (“RSUs”). We granted 135,601 RSUs during the six months ended June 30, 2024, with a weighted average price of $18.28. The RSUs granted during the six months ended June 30, 2024 included 31,270 PRSUs with an estimated fair value as of the March 20, 2024, grant date of $19.13 and are subject to pre-established performance metrics and market conditions that will be measured in the future and subject to oversight and approval by the Board of Director’s Compensation Committee. The TRSUs have lives ranging from 1 to 3 years and PRSUs have lives of 3 years. See further discussion below describing the PRSUs. As of June 30, 2024, there were 142,908 unvested RSUs outstanding.

The recorded compensation expense for RSUs was $371,000, $118,000, and $84,000 for the three months ended June 30, 2024, March 31, 2024, and June 30, 2023, and $489,000 and $335,000 for the six months ended June 30, 2024 and 2023. Unrecognized stock-based compensation expense related to RSUs was $2.3 million and $506,000 as of June 30, 2024 and 2023. As of June 30, 2024, unrecognized stock-based compensation expense related to RSUs is expected to be recognized over the next 2.3 years.

The following table presents restricted stock units activity during the six months ended June 30, 2024.

				*Weighted-Average*
				*Grant Date*
	*Shares*			*Fair Value Per Share*
Outstanding at beginning of year		43,160		$	18.89
Granted ⁽¹⁾		135,601			18.28
Vested		(35,853	)		19.84
Outstanding at end of period		142,908		$	18.07

(1) Includes 31,270 PRSUs, of which half include a future performance criteria with a market condition with an estimated fair value of $20.50 and half include future performance financial metrics with a fair value of $17.75, the Company’s closing price on the date of grant.

Note 16 - Regulatory Matters (Details Textual) $ in Billions			12 Months Ended
	Jan. 01, 2019	Jan. 01, 2016	Dec. 31, 2021	Jun. 30, 2024	Jan. 01, 2022 USD ($)	Jan. 01, 2015
Tier One Risk Based Common Equity Capital Required For Capital Adequacy To Risk Weighted Assets						4.50%
Tier One Risk Based Common Equity Capital Required To Be Well Capitalized To Risk Weighted Assets						6.50%
Banking Regulation, Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum						0.04
Banking Regulation, Tier One Risk-Based Capital Ratio, Well Capitalized, Minimum						0.06
Increased Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets						0.06
Increased Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets						0.08
Capital Conservation Buffer	2.50%	0.625%	2.50%
Required Assets To Liabilities Ratio After Dividend Effect				1.25
Minimum [Member]
Regulatory Assets, Total					$ 3

Note 17 - Fair Value Measurements and Fair Value of Financial Instruments (Tables)

6 Months Ended

Jun. 30, 2024

Fair Value Measurements, Recurring and Nonrecurring [Table Text Block]

	*Fair Value Measurements Using:*
June 30, 2024	*Level 1*		*Level 2*		*Level 3*		*Total*
Assets measured at fair value:	*(dollars in thousands)*
On a recurring basis:
Securities available for sale
Government agency securities	$	—	$	7,060	$	—	$	7,060
SBA agency securities		—		13,184		—		13,184
Mortgage-backed securities		—		32,122		—		32,122
Collateralized mortgage obligations		—		158,395		—		158,395
Commercial paper		—		74,940		—		74,940
Corporate debt securities		—		30,832		—		30,832
Municipal securities		—		9,049		—		9,049
Equity securities ⁽¹⁾		—		—		21,748		21,748
Interest rate lock contracts ⁽¹⁾		—		—		15		15
Forward mortgage loan sale contracts ⁽¹⁾		—		—		4		4
	$	—	$	325,582	$	21,767	$	347,349
On a non-recurring basis:
Commercial real estate loans - collateral dependent individually evaluated loans	$	—	$	—	$	17,061	$	17,061
Commercial and industrial loans - collateral dependent individually evaluated loans		—		—		4,709		4,709
	$	—	$	—	$	21,770	$	21,770

December 31, 2023	*Level 1*		*Level 2*		*Level 3*		*Total*
Assets measured at fair value:
On a recurring basis:
Securities available for sale
Government agency securities	$	—	$	8,161	$	—	$	8,161
SBA agency securities		—		13,217		—		13,217
Mortgage-backed securities		—		34,652		—		34,652
Collateralized mortgage obligations		—		149,626		—		149,626
Commercial paper		—		73,105		—		73,105
Corporate debt securities		—		30,691		—		30,691
Municipal securities		—		9,509		—		9,509
Equity securities ⁽¹⁾		—		—		22,251		22,251
Interest rate lock contracts ⁽¹⁾		—		—		32		32
Forward mortgage loan sale contracts ⁽¹⁾		—		—		14		14
	$	—	$	318,961	$	22,297	$	341,258
On a non-recurring basis:
Commercial real estate loans - collateral-dependent individually evaluated loans	$	—	$	—	$	10,209	$	10,209
SBA loans - collateral-dependent individually evaluated loans		—		—		1,148		1,148
	$	—	$	—	$	11,357	$	11,357

Fair Value Measurements, Nonrecurring [Table Text Block]

	*For the Three Months Ended June 30,*				*For the Six Months Ended June 30,*
	*2024*		*2023*		*2024*		*2023*
	*(dollars in thousands)*
Other real estate owned - Single family residential	$	—	$	—	$	560	$	—

Fair Value, by Balance Sheet Grouping [Table Text Block]


		*June 30, 2024*				*December 31, 2023*
	*Fair Value*	*Carrying*		*Fair*		*Carrying*		*Fair*
	*Hierarchy*	*Value*		*Value*		*Value*		*Value*
Financial Assets:	*(dollars in thousands)*
Cash and due from banks	Level 1	$	252,769	$	252,769	$	431,373	$	431,373
Interest-earning deposits in other financial institutions	Level 1		600		600		600		600
Investment securities - AFS	Level 2		325,582		325,582		318,961		318,961
Investment securities - HTM	Level 2		5,200		4,928		5,209		5,097
Mortgage loans held for sale	Level 1		3,146		3,146		1,911		1,845
Loans, net	Level 3		3,005,971		2,953,571		2,989,958		2,918,296
Equity securities ⁽¹⁾	Level 3		21,748		21,748		22,251		22,251
Servicing assets	Level 3		7,545		14,510		8,110		14,883
Accrued interest receivable ⁽¹⁾	Level 1/2/3		14,141		14,141		13,743		13,743

		*Notional*		*Fair*		*Notional*		*Fair*
Derivative assets:		*Value*		*Value*		*Value*		*Value*
Interest rate lock contracts ⁽¹⁾	Level 3	$	1,449	$	15	$	1,255	$	32
Forward mortgage loan sale contracts ⁽¹⁾	Level 3		407		4		1,104		14

		*Carrying*		*Fair*		*Carrying*		*Fair*
Financial Liabilities:		*Value*		*Value*		*Value*		*Value*
Deposits	Level 2	$	3,023,605	$	3,008,977	$	3,174,760	$	3,181,495
FHLB advances	Level 3		150,000		149,642		150,000		144,891
Long-term debt	Level 3		119,338		95,154		119,147		83,864
Subordinated debentures	Level 3		15,047		14,890		14,938		14,566
Accrued interest payable	Level 2/3		6,027		6,027		11,671		11,671

Note 12 - Commitments and Contingencies (Details Textual) - USD ($)	3 Months Ended			6 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Off-Balance-Sheet, Credit Loss, Liability	$ 624,000			$ 624,000		$ 640,000
Off-Balance-Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal)	(47,000)	$ 31,000	$ (221,000)	(16,000)	$ (359,000)
Affordable Housing Partnerships and SBIC Funds [Member]
Other Commitment	$ 3,000,000			$ 3,000,000		$ 3,300,000

Note 16 - Regulatory Matters

6 Months Ended

Jun. 30, 2024

Regulatory Capital Requirements under Banking Regulations [Text Block]

NOTE 16 - REGULATORY MATTERS

Holding companies (with assets over $3 billion at the beginning of the year) and banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory - and possibly additional discretionary - actions by regulators that, if undertaken, could have a direct material effect on our financial statements.

In July 2013, the federal bank regulatory agencies approved the final rules implementing the Basel Committee on Banking Supervision's capital guidelines for U.S. banks. The new rules became effective on January 1, 2015, with certain of the requirements phased-in over a multi-year schedule. Under the rules, minimum requirements increased for both the quantity and quality of capital held by the Bank. The rules include a new common equity Tier 1 (“CET1”) capital to risk-weighted assets ratio with minimums for capital adequacy and prompt corrective action purposes of 4.5% and 6.5%, respectively. The minimum Tier 1 capital to risk-weighted assets ratio was raised from 4.0% to 6.0% under the capital adequacy framework and from 6.0% to 8.0% to be well capitalized under the prompt corrective action framework. In addition, the rules introduced the concept of a “conservation buffer” of 2.5% applicable to the three capital adequacy risk-weighted asset ratios (CET1, Tier 1, and Total). The implementation of the capital conservation buffer began on January 1, 2016 at 0.625% and was phased in over a four-year period (increasing by that amount on each subsequent January 1, until it reached 2.5% on January 1, 2019). At June 30, 2024, the Company and the Bank were in compliance with the capital conservation buffer requirements. If the capital adequacy minimum ratios plus the phased-in conservation buffer amount exceed actual risk-weighted capital ratios, then dividends, share buybacks, and discretionary bonuses to executives could be limited in amount.

Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. Capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total, Tier 1 and CET1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). As permitted by the regulators for financial institutions that are not deemed to be “advanced approaches” institutions, the Company has elected to opt out of the Basel III requirement to include accumulated other comprehensive income in risk-based capital. Management believes, at June 30, 2024 and December 31, 2023, RBB and the Bank satisfied all capital adequacy requirements to which they were subject.

The following tables set forth Bancorp’s consolidated and the Bank’s capital amounts and ratios and related regulatory requirements as of the dates indicated:

						*Amount of Capital Required*
											*To Be Well-Capitalized*
						*Minimum Required for*					*Under Prompt Corrective*
	*Actual*					*Capital Adequacy Purposes*					*Provisions*
	*Amount*		*Ratio*			*Amount*		Ratio ⁽¹⁾			*Amount*		*Ratio*
As of June 30, 2024:	*(dollars in thousands)*
Tier 1 Leverage Ratio
Consolidated	$	473,940		12.48	%	$	151,963		4.0	%	$	189,954		5.0	%
Bank		555,031		14.61	%		151,913		4.0	%		189,891		5.0	%
Common Equity Tier 1 Risk-Based Capital Ratio
Consolidated	$	458,893		18.89	%	$	109,346		4.5	%	$	157,944		6.5	%
Bank		555,031		22.87	%		109,222		4.5	%		157,765		6.5	%
Tier 1 Risk-Based Capital Ratio
Consolidated	$	473,940		19.50	%	$	145,795		6.0	%	$	194,393		8.0	%
Bank		555,031		22.87	%		145,629		6.0	%		194,172		8.0	%
Total Risk-Based Capital Ratio
Consolidated	$	623,800		25.67	%	$	194,393		8.0	%	$	242,991		10.0	%
Bank		585,519		24.12	%		194,172		8.0	%		242,716		10.0	%

(1) These ratios are exclusive of the capital conservation buffer.

						*Amount of Capital Required*
											*To Be Well-Capitalized*
						*Minimum Required for*					*Under Prompt Corrective*
	*Actual*					*Capital Adequacy Purposes*					*Provisions*
	*Amount*		*Ratio*			*Amount*		Ratio ⁽¹⁾			*Amount*		*Ratio*
As of December 31, 2023:	*(dollars in thousands)*
Tier 1 Leverage Ratio
Consolidated	$	472,152		11.99	%	$	157,526		4.0	%	$	196,907		5.0	%
Bank		535,952		13.62	%		157,454		4.0	%		196,818		5.0	%
Common Equity Tier 1 Risk Based Capital Ratio
Consolidated	$	457,214		19.07	%	$	107,886		4.5	%	$	155,836		6.5	%
Bank		535,952		22.41	%		107,598		4.5	%		155,419		6.5	%
Tier 1 Risk-Based Capital Ratio
Consolidated	$	472,152		19.69	%	$	143,849		6.0	%	$	191,798		8.0	%
Bank		535,952		22.41	%		143,464		6.0	%		191,285		8.0	%
Total Risk-Based Capital Ratio
Consolidated	$	621,423		25.92	%	$	191,798		8.0	%	$	239,748		10.0	%
Bank		565,997		23.67	%		191,285		8.0	%		239,106		10.0	%

(1) These ratios are exclusive of the capital conservation buffer.

The California Financial Code generally acts to prohibit banks from making a cash distribution to its shareholders in excess of the lesser of the bank's undivided profits or the bank's net income for its last three fiscal years less the amount of any distribution made by the bank's shareholders during the same period.

The California General Corporation Law generally acts to prohibit companies from paying dividends on common stock unless retained earnings, immediately prior to the dividend payment, equals or exceeds the amount of the dividend. If a company fails this test, then it may still pay dividends if after giving effect to the dividend the company's assets are at least 125% of its liabilities.

Additionally, the Federal Reserve has issued guidance which requires that they be consulted before payment of a dividend if a financial holding company does not have earnings over the prior four quarters of at least equal to the dividend to be paid, plus other holding company obligations.

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

Note 4 - Loans and Allowance for Credit Losses - Aging of Recorded Investment (Details) - USD ($)
$ in Thousands

Jun. 30, 2024

Dec. 31, 2023

^[1]

$ 3,047,712

$ 3,031,861

^[1]

54,589

31,619

^[2]

1,190,207

1,167,857

Construction And Land Development Loans [Member] | Commercial Real Estate Portfolio Segment [Member]

17,617

10,569

^[1]

202,459

181,469

Commercial Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]

^[1]

10,000

^[1]

1,190,207

1,167,857

Single Family Residential Mortgages Loans [Member] | Commercial Real Estate Portfolio Segment [Member]

^[1]

17,617

10,569

^[1]

1,467,802

1,487,796

Commercial and Industrial [Member] | Commercial Portfolio Segment [Member]

^[1]

19,623

18,103

^[1]

126,649

130,096

Small Business Administration Agency Securities [Member] | Commercial Portfolio Segment [Member]

^[1]

6,472

854

^[1]

50,323

52,074

Other Loans [Member] | Commercial Portfolio Segment [Member]

^[1]

870

2,085

^[1]

10,272

12,569

Financial Asset, 30 to 59 Days Past Due [Member]

^[1]

Financial Asset, 30 to 59 Days Past Due [Member] | Construction And Land Development Loans [Member] | Commercial Real Estate Portfolio Segment [Member]

11,818

12,451

Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]

Financial Asset, 30 to 59 Days Past Due [Member] | Single Family Residential Mortgages Loans [Member] | Commercial Real Estate Portfolio Segment [Member]

731

1,341

Financial Asset, 30 to 59 Days Past Due [Member] | Commercial and Industrial [Member] | Commercial Portfolio Segment [Member]

9,599

9,050

Financial Asset, 30 to 59 Days Past Due [Member] | Small Business Administration Agency Securities [Member] | Commercial Portfolio Segment [Member]

327

1,544

Financial Asset, 30 to 59 Days Past Due [Member] | Other Loans [Member] | Commercial Portfolio Segment [Member]

1,128

356

Financial Asset, 60 to 89 Days Past Due [Member]

160

Financial Asset, 60 to 89 Days Past Due [Member] | Construction And Land Development Loans [Member] | Commercial Real Estate Portfolio Segment [Member]

9,631

6,031

Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]

Financial Asset, 60 to 89 Days Past Due [Member] | Single Family Residential Mortgages Loans [Member] | Commercial Real Estate Portfolio Segment [Member]

8,367

216

Financial Asset, 60 to 89 Days Past Due [Member] | Commercial and Industrial [Member] | Commercial Portfolio Segment [Member]

1,231

5,795

Financial Asset, 60 to 89 Days Past Due [Member] | Small Business Administration Agency Securities [Member] | Commercial Portfolio Segment [Member]

Financial Asset, 60 to 89 Days Past Due [Member] | Other Loans [Member] | Commercial Portfolio Segment [Member]

Financial Asset, Equal to or Greater than 90 Days Past Due [Member]

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Construction And Land Development Loans [Member] | Commercial Real Estate Portfolio Segment [Member]

42,104

19,663

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]

10,000

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Single Family Residential Mortgages Loans [Member] | Commercial Real Estate Portfolio Segment [Member]

8,838

1,582

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial and Industrial [Member] | Commercial Portfolio Segment [Member]

16,444

15,134

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Small Business Administration Agency Securities [Member] | Commercial Portfolio Segment [Member]

6,348

854

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Other Loans [Member] | Commercial Portfolio Segment [Member]

467

2,085

Financial Asset, Past Due [Member]

Financial Asset, Past Due [Member] | Construction And Land Development Loans [Member] | Commercial Real Estate Portfolio Segment [Member]

^[1]

63,553

38,145

Financial Asset, Past Due [Member] | Commercial Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]

^[1]

10,000

Financial Asset, Past Due [Member] | Single Family Residential Mortgages Loans [Member] | Commercial Real Estate Portfolio Segment [Member]

^[1]

17,936

3,139

Financial Asset, Past Due [Member] | Commercial and Industrial [Member] | Commercial Portfolio Segment [Member]

^[1]

27,274

29,979

Financial Asset, Past Due [Member] | Small Business Administration Agency Securities [Member] | Commercial Portfolio Segment [Member]

^[1]

6,676

2,398

Financial Asset, Past Due [Member] | Other Loans [Member] | Commercial Portfolio Segment [Member]

^[1]

1,595

2,441

Financial Asset, Not Past Due [Member]

^[1]

188

Financial Asset, Not Past Due [Member] | Construction And Land Development Loans [Member] | Commercial Real Estate Portfolio Segment [Member]

2,984,159

2,993,716

Financial Asset, Not Past Due [Member] | Commercial Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]

192,459

181,469

Financial Asset, Not Past Due [Member] | Single Family Residential Mortgages Loans [Member] | Commercial Real Estate Portfolio Segment [Member]

1,172,271

1,164,718

Financial Asset, Not Past Due [Member] | Commercial and Industrial [Member] | Commercial Portfolio Segment [Member]

1,440,528

1,457,817

Financial Asset, Not Past Due [Member] | Small Business Administration Agency Securities [Member] | Commercial Portfolio Segment [Member]

119,973

127,698

Financial Asset, Not Past Due [Member] | Other Loans [Member] | Commercial Portfolio Segment [Member]

48,728

49,633

$ 10,200

$ 12,381

[1]	Past due loans include nonaccrual loans and are therefore included in total loans.
[2]	Includes non-farm and non-residential real estate loans, multifamily residential and 1-4 residential loans for a business purpose.

Note 16 - Regulatory Matters - Summary of Company and Bank Continue to Exceed Regulatory Capital Minimum Requirements and Bank Continues to Exceed Well Capitalized Standards (Details) $ in Thousands	Jun. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)	Jan. 01, 2015
Banking Regulation, Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum			0.04
RBB Bancorp [Member]
Tier 1 Leverage Ratio, Amount	$ 473,940	$ 472,152
Tier 1 Leverage Ratio, Ratio	0.1248	0.1199
Tier 1 Leverage Ratio, Minimum Required for Capital Adequacy Purposes Amount	$ 151,963	$ 157,526
Tier 1 Leverage Ratio, Minimum Required for Capital Adequacy Purposes Ratio	0.04	0.04
Tier 1 Leverage Ratio, Minimum Required Plus Capital Conservation Buffer Fully Phased-In Amount	$ 189,954	$ 196,907
Tier 1 Leverage Ratio, Minimum Required Plus Capital Conservation Buffer Fully Phased-In Ratio	5.00%	5.00%
Common Equity Tier 1 Risk-Based Capital Ratio, Amount	$ 458,893	$ 457,214
Common Equity Tier 1 Risk-Based Capital Ratio, Ratio	0.1889	0.1907
Common Equity Tier 1 Risk-Based Capital Ratio, Minimum Required for Capital Adequacy Purposes Amount	$ 109,346	$ 107,886
Common Equity Tier 1 Risk-Based Capital Ratio, Minimum Required for Capital Adequacy Purposes Ratio	4.50%	4.50%
Common Equity Tier 1 Risk-Based Capital Ratio, Minimum Required Plus Capital Conversation Buffer Fully Phased-In, Amount	$ 157,944	$ 155,836
Common Equity Tier 1 Risk-Based Capital Ratio, Minimum Required Plus Capital Conversation Buffer Fully Phased-In, Ratio	0.065	0.065
Tier 1 Risk-Based Capital Ratio, Amount	$ 473,940	$ 472,152
Tier 1 Risk-Based Capital Ratio, Ratio	0.195	0.1969
Tier 1 Risk-Based Capital Ratio, Minimum Required for Capital Adequacy Purposes Amount	$ 145,795	$ 143,849
Banking Regulation, Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum	0.06	0.06
Tier 1 Risk-Based Capital Ratio, Minimum Required Plus Capital Conversation Buffer Fully Phased-In, Amount	$ 194,393	$ 191,798
Tier 1 Risk-Based Capital Ratio, Minimum Required Plus Capital Conversation Buffer Fully Phased-In, Ratio	8.00%	8.00%
Total Risk-Based Capital Ratio, Amount	$ 623,800	$ 621,423
Total Risk-Based Capital Ratio, Ratio	0.2567	0.2592
Total Risk-Based Capital Ratio, Minimum Required for Capital Adequacy Purposes Amount	$ 194,393	$ 191,798
Total Risk-Based Capital Ratio, Minimum Required for Capital Adequacy Purposes Ratio	0.08	0.08
Total Risk-Based Capital Ratio, Minimum Required Plus Capital Conversation Buffer Fully Phased-In, Amount	$ 242,991	$ 239,748
Total Risk-Based Capital Ratio, Minimum Required Plus Capital Conversation Buffer Fully Phased-In, Ratio	10.00%	10.00%
Royal Business Bank [Member]
Tier 1 Leverage Ratio, Amount	$ 555,031	$ 535,952
Tier 1 Leverage Ratio, Ratio	0.1461	0.1362
Tier 1 Leverage Ratio, Minimum Required for Capital Adequacy Purposes Amount	$ 151,913	$ 157,454
Tier 1 Leverage Ratio, Minimum Required for Capital Adequacy Purposes Ratio	0.04	0.04
Tier 1 Leverage Ratio, Minimum Required Plus Capital Conservation Buffer Fully Phased-In Amount	$ 189,891	$ 196,818
Tier 1 Leverage Ratio, Minimum Required Plus Capital Conservation Buffer Fully Phased-In Ratio	5.00%	5.00%
Common Equity Tier 1 Risk-Based Capital Ratio, Amount	$ 555,031	$ 535,952
Common Equity Tier 1 Risk-Based Capital Ratio, Ratio	0.2287	0.2241
Common Equity Tier 1 Risk-Based Capital Ratio, Minimum Required for Capital Adequacy Purposes Amount	$ 109,222	$ 107,598
Common Equity Tier 1 Risk-Based Capital Ratio, Minimum Required for Capital Adequacy Purposes Ratio	4.50%	4.50%
Common Equity Tier 1 Risk-Based Capital Ratio, Minimum Required Plus Capital Conversation Buffer Fully Phased-In, Amount	$ 157,765	$ 155,419
Common Equity Tier 1 Risk-Based Capital Ratio, Minimum Required Plus Capital Conversation Buffer Fully Phased-In, Ratio	0.065	0.065
Tier 1 Risk-Based Capital Ratio, Amount	$ 555,031	$ 535,952
Tier 1 Risk-Based Capital Ratio, Ratio	0.2287	0.2241
Tier 1 Risk-Based Capital Ratio, Minimum Required for Capital Adequacy Purposes Amount	$ 145,629	$ 143,464
Banking Regulation, Tier One Risk-Based Capital Ratio, Capital Adequacy, Minimum	0.06	0.06
Tier 1 Risk-Based Capital Ratio, Minimum Required Plus Capital Conversation Buffer Fully Phased-In, Amount	$ 194,172	$ 191,285
Tier 1 Risk-Based Capital Ratio, Minimum Required Plus Capital Conversation Buffer Fully Phased-In, Ratio	8.00%	8.00%
Total Risk-Based Capital Ratio, Amount	$ 585,519	$ 565,997
Total Risk-Based Capital Ratio, Ratio	0.2412	0.2367
Total Risk-Based Capital Ratio, Minimum Required for Capital Adequacy Purposes Amount	$ 194,172	$ 191,285
Total Risk-Based Capital Ratio, Minimum Required for Capital Adequacy Purposes Ratio	0.08	0.08
Total Risk-Based Capital Ratio, Minimum Required Plus Capital Conversation Buffer Fully Phased-In, Amount	$ 242,716	$ 239,106
Total Risk-Based Capital Ratio, Minimum Required Plus Capital Conversation Buffer Fully Phased-In, Ratio	10.00%	10.00%

Note 8 - Long-term Debt (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of Long-Term Debt Instruments [Table Text Block]

	*June 30, 2024*			*December 31, 2023*
	*(dollars in thousands)*
Principal	$	120,000		$	120,000
Unamortized debt issuance costs		(662	)		(853	)
Long-term debt, net of issuance costs	$	119,338		$	119,147

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(22))
-SubTopic 10
-Topic 210
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 69B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 69E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481568/470-20-55-69E

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 3
-Subparagraph (SX 210.12-04(a))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 835
-SubTopic 30
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482925/835-30-45-2

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-3

Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477734/942-470-50-3

Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 8
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-8

Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-6

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 505
-SubTopic 10
-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-7

Note 5 - Loan Servicing

6 Months Ended

Jun. 30, 2024

Loan Servicing [Text Block]

NOTE 5 - LOAN SERVICING

The loans being serviced for others are not reported as assets in our consolidated balance sheet. The table below presents the principal balances of the loans serviced for others, by loan portfolio segment, as of the dates indicated:

	*June 30,*		*December 31,*
	*2024*		*2023*
Loans serviced for others:	*(dollars in thousands)*
Mortgage loans	$	967,005	$	1,014,017
SBA loans		100,958		100,336
Commercial real estate loans		3,786		3,813
Construction loans		5,521		4,710

Servicing income is recorded for fees earned for servicing loans. The fees are based on a contractual percentage of the outstanding principal. The amortization of mortgage servicing rights is net against loan servicing income. Loan servicing income, net of amortization, totaled $579,000, $589,000, and $606,000 for the three months ended June 30, 2024, March 31, 2024, and June 30, 2023, and $1.2 million and $1.3 million for the six months ended June 30, 2024 and 2023.

When loans are sold with servicing retained, servicing rights are initially recorded at fair value with the income statement effect recorded in gains on sales of loans. Fair value is based on a valuation model that calculates the present value of estimated future net servicing income. All classes of servicing assets are subsequently measured using the amortization method, which requires servicing rights to be amortized into noninterest income in proportion to, and over the period of, the estimated future net servicing income of the underlying loans.

Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to carrying amount. Impairment is recognized through a valuation allowance for an individual grouping, to the extent that fair value is less than the carrying amount. If we later determine that all or a portion of the impairment no longer exists for a particular grouping, a reduction of the allowance may be recorded as an increase to income.

The table below presents the activity in the servicing assets for the periods indicated:

	*Three Months Ended*
	*June 30, 2024*						*March 31, 2024*						*June 30, 2023*
	*Mortgage*			*SBA*			*Mortgage*			*SBA*			*Mortgage*			*SBA*
	*Loans*			*Loans*			*Loans*			*Loans*			*Loans*			*Loans*
Servicing assets:	*(dollars in thousands)*
Beginning of period	$	6,261		$	1,533		$	6,509		$	1,601		$	7,118		$	2,041
Additions		86			41			43			37			18			—
Payoffs		(120	)		(25	)		(113	)		(42	)		(105	)		(122	)
Amortized to expense		(173	)		(58	)		(178	)		(63	)		(175	)		(73	)
End of period	$	6,054		$	1,491		$	6,261		$	1,533		$	6,856		$	1,846

	*Six Months Ended*
	*June 30, 2024*						*June 30, 2023*
	*Mortgage*			*SBA*			*Mortgage*			*SBA*
	*Loans*			*Loans*			*Loans*			*Loans*
Servicing assets:	*(dollars in thousands)*
Beginning of period	$	6,509		$	1,601		$	7,354		$	2,167
Additions		129			78			27			1
Payoffs		(233	)		(67	)		(173	)		(171	)
Amortized to expense		(351	)		(121	)		(352	)		(151	)
End of period	$	6,054		$	1,491		$	6,856		$	1,846

Estimates of the loan servicing asset fair value are derived through a discounted cash flow analysis. Portfolio characteristics include loan delinquency rates, age of loans, note rate and geography. The assumptions embedded in the valuation are obtained from a range of metrics utilized by active buyers in the marketplace. The analysis accounts for recent transactions, and supply and demand within the market.

The estimated fair value of servicing assets for mortgage loans was $11.8 million and $12.1 million as of June 30, 2024 and December 31, 2023. Fair value at June 30, 2024 was determined using a discount rate of 11.20%, average prepayment speed of 7.82%, and a weighted-average default rate of 0.10%. Fair value at December 31, 2023 was determined using a discount rate of 11.23%, average prepayment speed of 7.91%, and a weighted-average default rate of 0.10%.

The fair value of servicing assets for SBA loans was $2.7 million and $2.8 million as of June 30, 2024 and December 31, 2023. Fair value at June 30, 2024 was determined using a discount rate of 8.5%, average prepayment speed of 18.59%, and a weighted-average default rate of 0.78%. Fair value at December 31, 2023 was determined using a discount rate of 8.5%, average prepayment speed of 17.68%, and a weighted-average default rate of 0.73%.

Note 6 - Goodwill and Intangibles (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]


As of June 30, 2024:		*CDI Amortization Expense*
		*(dollars in thousands)*
Remainder of 2024	$	383
2025		672
2026		501
2027		417
2028		297
Thereafter		124
Total	$	2,394

Note 20 - Qualified Affordable Housing Project Investments (Details Textual) - USD ($)	3 Months Ended			6 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Investment, Proportional Amortization Method, Elected, Amount	$ 5,800,000			$ 5,800,000		$ 6,400,000
Investment Program, Proportional Amortization Method, Elected, Commitment	2,100,000			2,100,000		$ 2,300,000
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization Expense	285,000	$ 285,000	$ 255,000	570,000	$ 510,000
Investment Program, Proportional Amortization Method, Applied, Amortization Expense	301,000	301,000	282,000	602,000	564,000
Investment Program, Proportional Amortization Method, Elected, Impairment Loss	$ 0	$ 0	$ 0	$ 0	$ 0
Minimum [Member]
Investment Program, Proportional Amortization Method, Elected, Commitment, Year to be Paid	2024
Maximum [Member]
Investment Program, Proportional Amortization Method, Elected, Commitment, Year to be Paid	2038

Note 11 - Income Taxes (Details Textual) - USD ($)	3 Months Ended			6 Months Ended
Note 11 - Income Taxes (Details Textual) - USD ($)	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Income Tax Expense (Benefit)	$ 2,527,000	$ 3,244,000	$ 4,573,000	$ 5,771,000	$ 9,141,000
Effective Income Tax Rate Reconciliation, Percent	25.90%		29.50%	27.40%	29.40%
Employee Service Share Based Compensation Tax Charge (Benefit) from Exercise Of Stock Options	$ 16,000		$ 0	$ 24,000	$ (5,000)

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

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Note 5 - Loan Servicing (Tables)

6 Months Ended

Jun. 30, 2024

Mortgage And Small Business Administration Loans Serviced For Others [Table Text Block]

	*June 30,*		*December 31,*
	*2024*		*2023*
Loans serviced for others:	*(dollars in thousands)*
Mortgage loans	$	967,005	$	1,014,017
SBA loans		100,958		100,336
Commercial real estate loans		3,786		3,813
Construction loans		5,521		4,710

Servicing Asset at Amortized Cost [Table Text Block]

	*Three Months Ended*
	*June 30, 2024*						*March 31, 2024*						*June 30, 2023*
	*Mortgage*			*SBA*			*Mortgage*			*SBA*			*Mortgage*			*SBA*
	*Loans*			*Loans*			*Loans*			*Loans*			*Loans*			*Loans*
Servicing assets:	*(dollars in thousands)*
Beginning of period	$	6,261		$	1,533		$	6,509		$	1,601		$	7,118		$	2,041
Additions		86			41			43			37			18			—
Payoffs		(120	)		(25	)		(113	)		(42	)		(105	)		(122	)
Amortized to expense		(173	)		(58	)		(178	)		(63	)		(175	)		(73	)
End of period	$	6,054		$	1,491		$	6,261		$	1,533		$	6,856		$	1,846

	*Six Months Ended*
	*June 30, 2024*						*June 30, 2023*
	*Mortgage*			*SBA*			*Mortgage*			*SBA*
	*Loans*			*Loans*			*Loans*			*Loans*
Servicing assets:	*(dollars in thousands)*
Beginning of period	$	6,509		$	1,601		$	7,354		$	2,167
Additions		129			78			27			1
Payoffs		(233	)		(67	)		(173	)		(171	)
Amortized to expense		(351	)		(121	)		(352	)		(151	)
End of period	$	6,054		$	1,491		$	6,856		$	1,846

Note 21 - Repurchase of Common Stock (Details Textual) - $ / shares	3 Months Ended
	Jun. 30, 2024	Feb. 29, 2024
Share Repurchase Program, Authorized, Number of Shares (in shares)		1,000,000
Share Repurchase Program, Remaining Authorized, Number of Shares (in shares)		508,275
Stock Repurchased During Period, Shares (in shares)	448,190
Shares Acquired, Average Cost Per Share (in dollars per share)	$ 18.01

Number of shares that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.

Note 1 - Business Description (Details Textual) $ in Thousands	127 Months Ended
	Jan. 31, 2022	Jun. 30, 2024 USD ($)	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Jun. 30, 2023 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Assets		$ 3,868,186		$ 4,026,025
Financing Receivable, after Allowance for Credit Loss		3,100,000
Deposits		3,023,605		3,174,760
Equity, Including Portion Attributable to Noncontrolling Interest		$ 511,291	$ 513,986	$ 511,260	$ 500,290	$ 494,757	$ 484,563
Number of Businesses Acquired	6

Amount of asset recognized for present right to economic benefit.

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Outstanding at beginning of year (in shares) | shares

Note 15 - Stock-based Compensation - Restricted Stock Activity (Details) - Restricted Stock Units (RSUs) [Member]

6 Months Ended

Jun. 30, 2024

$ / shares

43,160

Outstanding at beginning of year, weighted-average grant date fair value (in dollars per share) | $ / shares

$ 18.89

Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares) | shares

135,601

^[1]

Granted, weighted-average grant date fair value (in dollars per share) | $ / shares

$ 18.28

^[1]

Vested (in shares) | shares

(35,853)

Vested, weighted-average grant date fair value (in dollars per share) | $ / shares

$ 19.84

Outstanding at end of period (in shares) | shares

142,908

Outstanding at end of period, weighted-average grant date fair value (in dollars per share) | $ / shares

$ 18.07

[1]	Includes 31,270 PRSUs, of which half include a future performance criteria with a market condition with an estimated fair value of $20.50 and half include future performance financial metrics with a fair value of $17.75, the Company’s closing price on the date of grant.

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Securities held to maturity, fair value	$ 4,928	$ 5,097
Preferred stock, authorized (in shares)	100,000,000	100,000,000
Preferred stock, no par value (in dollars per share)	$ 0	$ 0
Preferred stock, outstanding (in shares)	0	0
Common stock, no par value (in dollars per share)	$ 0	$ 0
Common stock, authorized (in shares)	100,000,000	100,000,000
Common stock, issued (in shares)	18,182,154	18,609,179
Common stock, outstanding (in shares)	18,182,154	18,609,179

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Noncontrolling Interest [Member]	AOCI Attributable to Parent [Member]	Total
Balance (in shares) at Dec. 31, 2022	18,965,776
Balance at Dec. 31, 2022	$ 276,912	$ 3,361	$ 225,883	$ 72	$ (21,665)	$ 484,563
Net income	0	0	21,919	0	0	21,919
Stock-based compensation, net	$ 0	466	0	0	0	466
Restricted stock units vested (in shares)	20,374
Restricted stock units vested	$ 391	(391)	0	0	0	0
Cash dividends on common stock	$ 0	0	(6,077)	0	0	$ (6,077)
Stock options exercised (in shares)	9,153					9,153
Stock options exercised	$ 205	(46)	0	0	0	$ 159
Other comprehensive income, net of taxes	$ 0	0	0	0	(740)	(740)
Balance (in shares) at Jun. 30, 2023	18,995,303
Balance at Jun. 30, 2023	$ 277,508	3,390	241,725	72	(22,405)	500,290
Balance (in shares) at Mar. 31, 2023	18,992,903
Balance at Mar. 31, 2023	$ 277,478	3,270	233,815	72	(19,878)	494,757
Net income	0	0	10,949	0	0	10,949
Stock-based compensation, net	$ 0	150	0	0	0	150
Restricted stock units vested (in shares)	2,400
Restricted stock units vested	$ 30	(30)	0	0	0	0
Cash dividends on common stock	0	0	(3,039)	0	0	$ (3,039)
Stock options exercised (in shares)						0
Other comprehensive income, net of taxes	$ 0	0	0	0	(2,527)	$ (2,527)
Balance (in shares) at Jun. 30, 2023	18,995,303
Balance at Jun. 30, 2023	$ 277,508	3,390	241,725	72	(22,405)	$ 500,290
Balance (in shares) at Dec. 31, 2023	18,609,179					18,609,179
Balance at Dec. 31, 2023	$ 271,925	3,623	255,152	72	(19,512)	$ 511,260
Net income						8,036
Other comprehensive income, net of taxes						(1,470)
Balance (in shares) at Mar. 31, 2024	18,578,132
Balance at Mar. 31, 2024	$ 271,645	3,348	259,903	72	(20,982)	$ 513,986
Balance (in shares) at Dec. 31, 2023	18,609,179					18,609,179
Balance at Dec. 31, 2023	$ 271,925	3,623	255,152	72	(19,512)	$ 511,260
Net income	0	0	15,281	0	0	15,281
Stock-based compensation, net	$ 0	828	0	0	0	828
Restricted stock units vested (in shares)	32,200
Restricted stock units vested	$ 593	(657)	0	0	0	(64)
Cash dividends on common stock	$ 0	0	(5,986)	0	0	$ (5,986)
Stock options exercised (in shares)	69,250					69,250
Stock options exercised	$ 1,337	(338)	0	0	0	$ 999
Repurchase of common stock (in shares)	(528,475)
Repurchase of common stock	$ (7,695)	0	(1,929)			(9,624)
Other comprehensive income, net of taxes	$ 0	0	0	0	(1,403)	$ (1,403)
Balance (in shares) at Jun. 30, 2024	18,182,154					18,182,154
Balance at Jun. 30, 2024	$ 266,160	3,456	262,518	72	(20,915)	$ 511,291
Balance (in shares) at Mar. 31, 2024	18,578,132
Balance at Mar. 31, 2024	$ 271,645	3,348	259,903	72	(20,982)	513,986
Net income	0	0	7,245	0	0	7,245
Stock-based compensation, net	$ 0	688	0	0	0	688
Restricted stock units vested (in shares)	23,962
Restricted stock units vested	$ 448	(448)	0	0	0	0
Cash dividends on common stock	$ 0	0	(3,010)	0	0	$ (3,010)
Stock options exercised (in shares)	28,250					28,250
Stock options exercised	$ 590	(132)	0	0	0	$ 458
Repurchase of common stock (in shares)	(448,190)					(448,190)
Repurchase of common stock	$ (6,523)	0	(1,620)			$ (8,143)
Other comprehensive income, net of taxes	$ 0	0	0	0	67	$ 67
Balance (in shares) at Jun. 30, 2024	18,182,154					18,182,154
Balance at Jun. 30, 2024	$ 266,160	$ 3,456	$ 262,518	$ 72	$ (20,915)	$ 511,291

Note 3 - Investment Securities

6 Months Ended

Jun. 30, 2024

Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]

NOTE 3 - INVESTMENT SECURITIES

The following table summarizes the amortized cost and fair value of investment securities available for sale (“AFS”) and held to maturity (“HTM”) and the corresponding amounts of gross unrealized gains and losses as of the dates indicated:

			*Gross*		*Gross*
	*Amortized*		*Unrealized*		*Unrealized*			*Fair*
June 30, 2024	*Cost*		*Gains*		*Losses*			*Value*
Available for sale	*(dollars in thousands)*
Government agency securities	$	7,595	$	—	$	(535	)	$	7,060
SBA agency securities		13,441		12		(269	)		13,184
Mortgage-backed securities: residential		38,453		—		(6,331	)		32,122
Collateralized mortgage obligations: residential		97,428		112		(12,905	)		84,635
Collateralized mortgage obligations: commercial		76,475		148		(2,863	)		73,760
Commercial paper		74,954		—		(14	)		74,940
Corporate debt securities		34,768		24		(3,960	)		30,832
Municipal tax-exempt securities		12,619		—		(3,570	)		9,049
Total available for sale	$	355,733	$	296	$	(30,447	)	$	325,582

Held to maturity
Municipal tax-exempt securities	$	4,699	$	—	$	(270	)	$	4,429
Municipal taxable securities		501		—		(2	)		499
Total held to maturity	$	5,200	$	—	$	(272	)	$	4,928

			*Gross*		*Gross*
	*Amortized*		*Unrealized*		*Unrealized*			*Fair*
December 31, 2023	*Cost*		*Gains*		*Losses*			*Value*
Available for sale	*(dollars in thousands)*
Government agency securities	$	8,705	$	—	$	(544	)	$	8,161
SBA agency securities		13,289		144		(216	)		13,217
Mortgage-backed securities: residential		40,507		—		(5,855	)		34,652
Collateralized mortgage obligations: residential		94,071		454		(12,198	)		82,327
Collateralized mortgage obligations: commercial		69,941		22		(2,664	)		67,299
Commercial paper		73,121		—		(16	)		73,105
Corporate debt securities		34,800		—		(4,109	)		30,691
Municipal tax-exempt securities		12,636		—		(3,127	)		9,509
Total available for sale	$	347,070	$	620	$	(28,729	)	$	318,961

Held to maturity
Municipal tax-exempt securities	$	4,708	$	—	$	(115	)	$	4,593
Municipal taxable securities		501		3		—			504
Total held to maturity	$	5,209	$	3	$	(115	)	$	5,097

We pledged investment securities with a fair value of $50.8 million and $95.3 million for certificates of deposit from the State of California, secured Federal funds arrangements, and other local agency deposits at June 30, 2024 and December 31, 2023.

There were no sales of investment securities during the three months ended June 30, 2024, March 31, 2024, and June 30, 2023 and six months ended June 30, 2024 and June 30, 2023.

Accrued interest receivable for investment securities at June 30, 2024 and December 31, 2023 totaled $995,000 and $962,000.

The table below summarizes amortized cost and fair value of the investment securities portfolio, by expected maturity, as of the dates indicated. Mortgage-backed securities are classified in accordance with their estimated average life. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties.

	*One Year or Less*				*More than One Year to Five Years*				*More than Five Years to Ten Years*				*More than Ten Years*				*Total*
	*Amortized Cost*		*Fair Value*		*Amortized Cost*		*Fair Value*		*Amortized Cost*		*Fair Value*		*Amortized Cost*		*Fair Value*		*Amortized Cost*		*Fair Value*
June 30, 2024	*(dollars in thousands)*
Government agency securities	$	—	$	—	$	7,595	$	7,060	$	—	$	—	$	—	$	—	$	7,595	$	7,060
SBA agency securities		—		—		2,147		1,924		11,294		11,260		—		—		13,441		13,184
Mortgage-backed securities: residential		—		—		9,979		8,964		25,956		21,236		2,518		1,922		38,453		32,122
Collateralized mortgage obligations: residential		10		10		43,328		41,957		54,090		42,668		—		—		97,428		84,635
Collateralized mortgage obligations: commercial		4,019		3,954		28,219		26,307		44,237		43,499		—		—		76,475		73,760
Commercial paper		74,954		74,940		—		—		—		—		—		—		74,954		74,940
Corporate debt securities		2,000		1,966		10,900		10,581		19,241		16,396		2,627		1,889		34,768		30,832
Municipal tax-exempt securities		—		—		—		—		—		—		12,619		9,049		12,619		9,049
Total available for sale	$	80,983	$	80,870	$	102,168	$	96,793	$	154,818	$	135,059	$	17,764	$	12,860	$	355,733	$	325,582

Municipal tax-exempt securities	$	—	$	—	$	—	$	—	$	2,951	$	2,758	$	1,748	$	1,671	$	4,699	$	4,429
Municipal taxable securities		501		499		—		—		—		—		—		—		501		499
Total held to maturity	$	501	$	499	$	—	$	—	$	2,951	$	2,758	$	1,748	$	1,671	$	5,200	$	4,928

December 31, 2023
Government agency securities	$	—	$	—	$	8,705	$	8,161	$	—	$	—	$	—	$	—	$	8,705	$	8,161
SBA agency securities		—		—		2,292		2,095		10,997		11,122		—		—		13,289		13,217
Mortgage-backed securities: residential		—		—		11,023		9,986		19,762		16,965		9,722		7,701		40,507		34,652
Collateralized mortgage obligations: residential		18		17		36,876		35,758		57,177		46,552		—		—		94,071		82,327
Collateralized mortgage obligations: commercial		3,014		3,018		20,296		18,481		46,631		45,800		—		—		69,941		67,299
Commercial paper		73,121		73,105		—		—		—		—		—		—		73,121		73,105
Corporate debt securities		—		—		12,912		12,491		19,249		16,232		2,639		1,968		34,800		30,691
Municipal tax-exempt securities		—		—		—		—		—		—		12,636		9,509		12,636		9,509
Total available for sale	$	76,153	$	76,140	$	92,104	$	86,972	$	153,816	$	136,671	$	24,997	$	19,178	$	347,070	$	318,961

Municipal tax-exempt securities	$	—	$	—	$	—	$	—	$	2,952	$	2,873	$	1,756	$	1,720	$	4,708	$	4,593
Municipal taxable securities		—		—		501		504		—		—		—		—		501		504
Total held to maturity	$	—	$	—	$	501	$	504	$	2,952	$	2,873	$	1,756	$	1,720	$	5,209	$	5,097

The following tables show the fair value and gross unrealized losses of our investment securities, aggregated by investment category and the length of time individual securities have been in a continuous unrealized loss position, as of the dates indicated:

	*Less than Twelve Months*					*Twelve Months or More*					*Total*
	*Fair Value*		*Unrealized Losses*			*Fair Value*		*Unrealized Losses*			*Fair Value*		*Unrealized Losses*
June 30, 2024	*(dollars in thousands)*
Government agency securities	$	—	$	—		$	7,060	$	(535	)	$	7,060	$	(535	)
SBA securities		7,147		(46	)		1,924		(223	)		9,071		(269	)
Mortgage-backed securities: residential		—		—			32,122		(6,331	)		32,122		(6,331	)
Collateralized mortgage obligations: residential		17,995		(190	)		58,785		(12,715	)		76,780		(12,905	)
Collateralized mortgage obligations: commercial		16,608		(223	)		33,817		(2,640	)		50,425		(2,863	)
Commercial paper		35,354		(14	)		—		—			35,354		(14	)
Corporate debt securities		—		—			27,763		(3,960	)		27,763		(3,960	)
Municipal tax-exempt securities		—		—			9,049		(3,570	)		9,049		(3,570	)
Total available for sale	$	77,104	$	(473	)	$	170,520	$	(29,974	)	$	247,624	$	(30,447	)

Municipal tax-exempt securities	$	—	$	—		$	4,429	$	(270	)	$	4,429	$	(270	)
Municipal taxable securities		499		(2	)		—		—			499		(2	)
Total held to maturity	$	499	$	(2	)	$	4,429	$	(270	)	$	4,928	$	(272	)

	*Less than Twelve Months*					*Twelve Months or More*					*Total*
	*Fair Value*		*Unrealized Losses*			*Fair Value*		*Unrealized Losses*			*Fair Value*		*Unrealized Losses*
December 31, 2023	*(dollars in thousands)*
Government agency securities	$	4,238	$	(72	)	$	3,923	$	(472	)	$	8,161	$	(544	)
SBA securities		5,102		(18	)		2,094		(198	)		7,196		(216	)
Mortgage-backed securities: residential		—		—			34,652		(5,855	)		34,652		(5,855	)
Collateralized mortgage obligations: residential		2,597		(37	)		60,275		(12,161	)		62,872		(12,198	)
Collateralized mortgage obligations: commercial		18,463		(70	)		35,077		(2,594	)		53,540		(2,664	)
Commercial paper		53,211		(16	)		—		—			53,211		(16	)
Corporate debt securities		—		—			30,691		(4,109	)		30,691		(4,109	)
Municipal tax-exempt securities		—		—			9,509		(3,127	)		9,509		(3,127	)
Total available for sale	$	83,611	$	(213	)	$	176,221	$	(28,516	)	$	259,832	$	(28,729	)

Municipal tax-exempt securities	$	1,397	$	(19	)	$	3,196	$	(96	)	$	4,593	$	(115	)
Total held to maturity	$	1,397	$	(19	)	$	3,196	$	(96	)	$	4,593	$	(115	)

The securities that were in an unrealized loss position at June 30, 2024 and December 31, 2023, were evaluated to determine whether the decline in fair value below the amortized cost basis resulted from a credit loss or other factors. At June 30, 2024 and December 31, 2023, there was no allowance for credit losses (“ACL”) on the HTM securities portfolio.

We concluded that the unrealized losses were primarily attributed to yield curve movement, together with widened liquidity spreads and credit spreads. The issuers have not, to our knowledge, established any cause for default on these securities. We expect to recover the amortized cost basis of our securities and have no present intent to sell and will not be required to sell securities that have declined below their cost before their anticipated recovery. Accordingly, no ACL was recorded as of June 30, 2024 and December 31, 2023, against AFS securities, and there was no provision for credit losses recognized for the three months and six months ended June 30, 2024 and 2023.

Equity Securities - We have several Community Reinvestment Act (“CRA”) equity investments. We recorded no gain or loss for any of the periods presented. Other equity securities (included in “Accrued interest and other assets” in the consolidated balance sheets) were $21.7 million and $22.3 million as of June 30, 2024 and December 31, 2023, respectively.

Note 17 - Fair Value Measurements and Fair Value of Financial Instruments

6 Months Ended

Jun. 30, 2024

Fair Value Disclosures [Text Block]

NOTE 17 - FAIR VALUE MEASUREMENTS AND FAIR VALUE OF FINANCIAL INSTRUMENTS

In accordance with ASC 820-10, we group financial assets and financial liabilities measured at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. The three levels of the fair value hierarchy are described as follows:

Fair Value Hierarchy

Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities.

Level 2 - Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These might include quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (such as interest rates, prepayment speeds, volatilities, etc.) or model-based valuation techniques where all significant assumptions are observable, either directly or indirectly, in the market.

Level 3 - Valuation is generated from model-based techniques where one or more significant inputs are not observable, either directly or indirectly, in the market. These unobservable assumptions reflect our own estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques may include use of matrix pricing, discounted cash flow models, and similar techniques.

Assets and Liabilities Measured at Fair Value on a Recurring Basis

Securities:

The fair values of securities available for sale are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1) or matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2).

Interest Rate Lock Contracts and Forward Mortgage Loan Sale Contracts:

The fair values of interest rate lock contracts and forward mortgage loan sale contracts are determined by loan lock-in rate, loan funded rate, market interest rate, fees to be collected from the borrower, fees and costs associated with the origination of the loan, expiration timing, sale price, and the value of the retained servicing. We classified these derivatives as level 3 due to management’s estimate of market rate, cost and expiration timing on these contracts.

Assets and Liabilities Measured on a Non-Recurring Basis

Collateral-dependent individually evaluated loans:

Collateral-dependent individually evaluated loans are carried at fair value when it is probable that we will be unable to collect all amounts due according to the contractual terms of the original loan agreement and the loan has been written down to the fair value of its underlying collateral, net of expected selling costs.

The fair value of collateral dependent individually evaluated loans is based on third party appraisals of the property, less management’s estimate of selling costs. Third party appraisals generally use a sales comparison or income capitalization approach to derive the appraised value based on market transactions involving similar or comparable properties. Adjustments are routinely made by the third party appraisers to adjust for differences between the comparable sales and income data used in the appraisal. Adjustments may also result from the consideration of relevant economic and demographic factors which may affect property values. Positive adjustments in the appraisal represent increases to the sales comparisons and negative adjustments represent decreases.

Other Real Estate Owned ("OREO"):

OREO is initially recorded at fair value less estimated selling costs at the date of transfer. This amount becomes the property's new basis. In cases where the carrying amount exceeds the fair value less estimated selling costs at the time of transfer, the difference is charged to the ACL. Fair values are generally based on third party appraisals of the property and discounted by management to reflect an expectation of the amount to be ultimately collected after foreclosure and selling costs (Level 3).

Appraisals for other real estate owned and collateral dependent loans are performed by state licensed appraisers (for commercial properties) or state certified appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by us. A member of the credit administration department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison to independent data sources such as recent market data or industry wide statistics for residential appraisals. We also compare the actual selling price of collateral that has been sold to the most recent appraised value to determine what additional adjustments, if any, should be made to the appraisal values on any remaining OREO to arrive at fair value. In determining the net realizable value of the underlying collateral for individually evaluated loans and OREO, the Company discounts the valuation to cover both market price fluctuations and selling costs, typically ranging from 8% to 10% of the collateral value, that may be incurred in the event of foreclosure. If the existing appraisal is older than twelve months, a new appraisal report is ordered.

The following table presents our financial assets and liabilities measured at fair value on a recurring basis as of the dates indicated:

	*Fair Value Measurements Using:*
June 30, 2024	*Level 1*		*Level 2*		*Level 3*		*Total*
Assets measured at fair value:	*(dollars in thousands)*
On a recurring basis:
Securities available for sale
Government agency securities	$	—	$	7,060	$	—	$	7,060
SBA agency securities		—		13,184		—		13,184
Mortgage-backed securities		—		32,122		—		32,122
Collateralized mortgage obligations		—		158,395		—		158,395
Commercial paper		—		74,940		—		74,940
Corporate debt securities		—		30,832		—		30,832
Municipal securities		—		9,049		—		9,049
Equity securities ⁽¹⁾		—		—		21,748		21,748
Interest rate lock contracts ⁽¹⁾		—		—		15		15
Forward mortgage loan sale contracts ⁽¹⁾		—		—		4		4
	$	—	$	325,582	$	21,767	$	347,349
On a non-recurring basis:
Commercial real estate loans - collateral dependent individually evaluated loans	$	—	$	—	$	17,061	$	17,061
Commercial and industrial loans - collateral dependent individually evaluated loans		—		—		4,709		4,709
	$	—	$	—	$	21,770	$	21,770

(1) Included in “Accrued interest and other assets” on the consolidated balance sheets.

December 31, 2023	*Level 1*		*Level 2*		*Level 3*		*Total*
Assets measured at fair value:
On a recurring basis:
Securities available for sale
Government agency securities	$	—	$	8,161	$	—	$	8,161
SBA agency securities		—		13,217		—		13,217
Mortgage-backed securities		—		34,652		—		34,652
Collateralized mortgage obligations		—		149,626		—		149,626
Commercial paper		—		73,105		—		73,105
Corporate debt securities		—		30,691		—		30,691
Municipal securities		—		9,509		—		9,509
Equity securities ⁽¹⁾		—		—		22,251		22,251
Interest rate lock contracts ⁽¹⁾		—		—		32		32
Forward mortgage loan sale contracts ⁽¹⁾		—		—		14		14
	$	—	$	318,961	$	22,297	$	341,258
On a non-recurring basis:
Commercial real estate loans - collateral-dependent individually evaluated loans	$	—	$	—	$	10,209	$	10,209
SBA loans - collateral-dependent individually evaluated loans		—		—		1,148		1,148
	$	—	$	—	$	11,357	$	11,357

(1) Included in “Accrued interest and other assets” on the consolidated balance sheets.

During the three months ended June 30, 2024, there were write-downs of $525,000 on collateral-dependent individually evaluated loans with an aggregate fair value of $21.8 million as of June 30, 2024. The fair value as of June 30, 2024 was based on third party appraisals of CRE and a single family residence. The appraisals included adjustments to comparable market data ranging from negative (36%) to positive 28% for the CRE, and positive 3% to 26% for the single family residence.

During the year ended December 31, 2023, there were write-downs of $521,000 on collateral-dependent individually evaluated loans with an aggregate fair value of $11.4 million as of December 31, 2023.

There was no OREO outstanding as of June 30, 2024, December 31, 2023, and June 30, 2023. During the three months ended June 30, 2024, the Company sold OREO for a gain of $292,000. For the six months ended June 30, 2024, the Company foreclosed on three properties, recognized a gain on the transfer from loans to OREO of $560,000 and ultimately sold OREO for a gain on sale of $456,000. There was no similar activity for the six months ended June 30, 2023. The fair value of OREO was based on third party appraisals with management adjustment in the range of 5%-10% to reflect current conditions and selling costs.

The following table presents the gains recognized on assets measured at fair value on a non-recurring basis for the periods indicated:

	*For the Three Months Ended June 30,*				*For the Six Months Ended June 30,*
	*2024*		*2023*		*2024*		*2023*
	*(dollars in thousands)*
Other real estate owned - Single family residential	$	—	$	—	$	560	$	—

No write-downs to OREO were recorded for the three months or six months ended June 30, 2024 or for the year ended December 31, 2023.

The fair value measurement of Interest Rate Lock Contracts (IRLCs) and Forward Mortgage Loan Sale Contracts (FMLSCs) were primarily based on the buy price from borrowers ranging from 98 to 100, the sale price to Fannie Mae ranging from 100 to 102, and the significant unobservable inputs using a margin cost rate of ranging from 0.88% to 1.13%.

The fair value hierarchy level and estimated fair value of significant financial instruments as of the dates indicated are summarized as follows:


		*June 30, 2024*				*December 31, 2023*
	*Fair Value*	*Carrying*		*Fair*		*Carrying*		*Fair*
	*Hierarchy*	*Value*		*Value*		*Value*		*Value*
Financial Assets:	*(dollars in thousands)*
Cash and due from banks	Level 1	$	252,769	$	252,769	$	431,373	$	431,373
Interest-earning deposits in other financial institutions	Level 1		600		600		600		600
Investment securities - AFS	Level 2		325,582		325,582		318,961		318,961
Investment securities - HTM	Level 2		5,200		4,928		5,209		5,097
Mortgage loans held for sale	Level 1		3,146		3,146		1,911		1,845
Loans, net	Level 3		3,005,971		2,953,571		2,989,958		2,918,296
Equity securities ⁽¹⁾	Level 3		21,748		21,748		22,251		22,251
Servicing assets	Level 3		7,545		14,510		8,110		14,883
Accrued interest receivable ⁽¹⁾	Level 1/2/3		14,141		14,141		13,743		13,743

		*Notional*		*Fair*		*Notional*		*Fair*
Derivative assets:		*Value*		*Value*		*Value*		*Value*
Interest rate lock contracts ⁽¹⁾	Level 3	$	1,449	$	15	$	1,255	$	32
Forward mortgage loan sale contracts ⁽¹⁾	Level 3		407		4		1,104		14

		*Carrying*		*Fair*		*Carrying*		*Fair*
Financial Liabilities:		*Value*		*Value*		*Value*		*Value*
Deposits	Level 2	$	3,023,605	$	3,008,977	$	3,174,760	$	3,181,495
FHLB advances	Level 3		150,000		149,642		150,000		144,891
Long-term debt	Level 3		119,338		95,154		119,147		83,864
Subordinated debentures	Level 3		15,047		14,890		14,938		14,566
Accrued interest payable	Level 2/3		6,027		6,027		11,671		11,671

(1) Included in “Accrued interest and other assets” on the consolidated balance sheets.

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

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Note 3 - Investment Securities (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of Available for Sale Securities, and Held to Maturity [Table Text Block]

			*Gross*		*Gross*
	*Amortized*		*Unrealized*		*Unrealized*			*Fair*
June 30, 2024	*Cost*		*Gains*		*Losses*			*Value*
Available for sale	*(dollars in thousands)*
Government agency securities	$	7,595	$	—	$	(535	)	$	7,060
SBA agency securities		13,441		12		(269	)		13,184
Mortgage-backed securities: residential		38,453		—		(6,331	)		32,122
Collateralized mortgage obligations: residential		97,428		112		(12,905	)		84,635
Collateralized mortgage obligations: commercial		76,475		148		(2,863	)		73,760
Commercial paper		74,954		—		(14	)		74,940
Corporate debt securities		34,768		24		(3,960	)		30,832
Municipal tax-exempt securities		12,619		—		(3,570	)		9,049
Total available for sale	$	355,733	$	296	$	(30,447	)	$	325,582

Held to maturity
Municipal tax-exempt securities	$	4,699	$	—	$	(270	)	$	4,429
Municipal taxable securities		501		—		(2	)		499
Total held to maturity	$	5,200	$	—	$	(272	)	$	4,928

			*Gross*		*Gross*
	*Amortized*		*Unrealized*		*Unrealized*			*Fair*
December 31, 2023	*Cost*		*Gains*		*Losses*			*Value*
Available for sale	*(dollars in thousands)*
Government agency securities	$	8,705	$	—	$	(544	)	$	8,161
SBA agency securities		13,289		144		(216	)		13,217
Mortgage-backed securities: residential		40,507		—		(5,855	)		34,652
Collateralized mortgage obligations: residential		94,071		454		(12,198	)		82,327
Collateralized mortgage obligations: commercial		69,941		22		(2,664	)		67,299
Commercial paper		73,121		—		(16	)		73,105
Corporate debt securities		34,800		—		(4,109	)		30,691
Municipal tax-exempt securities		12,636		—		(3,127	)		9,509
Total available for sale	$	347,070	$	620	$	(28,729	)	$	318,961

Held to maturity
Municipal tax-exempt securities	$	4,708	$	—	$	(115	)	$	4,593
Municipal taxable securities		501		3		—			504
Total held to maturity	$	5,209	$	3	$	(115	)	$	5,097

Investments Classified by Contractual Maturity Date [Table Text Block]

	*One Year or Less*				*More than One Year to Five Years*				*More than Five Years to Ten Years*				*More than Ten Years*				*Total*
	*Amortized Cost*		*Fair Value*		*Amortized Cost*		*Fair Value*		*Amortized Cost*		*Fair Value*		*Amortized Cost*		*Fair Value*		*Amortized Cost*		*Fair Value*
June 30, 2024	*(dollars in thousands)*
Government agency securities	$	—	$	—	$	7,595	$	7,060	$	—	$	—	$	—	$	—	$	7,595	$	7,060
SBA agency securities		—		—		2,147		1,924		11,294		11,260		—		—		13,441		13,184
Mortgage-backed securities: residential		—		—		9,979		8,964		25,956		21,236		2,518		1,922		38,453		32,122
Collateralized mortgage obligations: residential		10		10		43,328		41,957		54,090		42,668		—		—		97,428		84,635
Collateralized mortgage obligations: commercial		4,019		3,954		28,219		26,307		44,237		43,499		—		—		76,475		73,760
Commercial paper		74,954		74,940		—		—		—		—		—		—		74,954		74,940
Corporate debt securities		2,000		1,966		10,900		10,581		19,241		16,396		2,627		1,889		34,768		30,832
Municipal tax-exempt securities		—		—		—		—		—		—		12,619		9,049		12,619		9,049
Total available for sale	$	80,983	$	80,870	$	102,168	$	96,793	$	154,818	$	135,059	$	17,764	$	12,860	$	355,733	$	325,582

Municipal tax-exempt securities	$	—	$	—	$	—	$	—	$	2,951	$	2,758	$	1,748	$	1,671	$	4,699	$	4,429
Municipal taxable securities		501		499		—		—		—		—		—		—		501		499
Total held to maturity	$	501	$	499	$	—	$	—	$	2,951	$	2,758	$	1,748	$	1,671	$	5,200	$	4,928

December 31, 2023
Government agency securities	$	—	$	—	$	8,705	$	8,161	$	—	$	—	$	—	$	—	$	8,705	$	8,161
SBA agency securities		—		—		2,292		2,095		10,997		11,122		—		—		13,289		13,217
Mortgage-backed securities: residential		—		—		11,023		9,986		19,762		16,965		9,722		7,701		40,507		34,652
Collateralized mortgage obligations: residential		18		17		36,876		35,758		57,177		46,552		—		—		94,071		82,327
Collateralized mortgage obligations: commercial		3,014		3,018		20,296		18,481		46,631		45,800		—		—		69,941		67,299
Commercial paper		73,121		73,105		—		—		—		—		—		—		73,121		73,105
Corporate debt securities		—		—		12,912		12,491		19,249		16,232		2,639		1,968		34,800		30,691
Municipal tax-exempt securities		—		—		—		—		—		—		12,636		9,509		12,636		9,509
Total available for sale	$	76,153	$	76,140	$	92,104	$	86,972	$	153,816	$	136,671	$	24,997	$	19,178	$	347,070	$	318,961

Municipal tax-exempt securities	$	—	$	—	$	—	$	—	$	2,952	$	2,873	$	1,756	$	1,720	$	4,708	$	4,593
Municipal taxable securities		—		—		501		504		—		—		—		—		501		504
Total held to maturity	$	—	$	—	$	501	$	504	$	2,952	$	2,873	$	1,756	$	1,720	$	5,209	$	5,097

Gain (Loss) on Securities [Table Text Block]

	*Less than Twelve Months*					*Twelve Months or More*					*Total*
	*Fair Value*		*Unrealized Losses*			*Fair Value*		*Unrealized Losses*			*Fair Value*		*Unrealized Losses*
June 30, 2024	*(dollars in thousands)*
Government agency securities	$	—	$	—		$	7,060	$	(535	)	$	7,060	$	(535	)
SBA securities		7,147		(46	)		1,924		(223	)		9,071		(269	)
Mortgage-backed securities: residential		—		—			32,122		(6,331	)		32,122		(6,331	)
Collateralized mortgage obligations: residential		17,995		(190	)		58,785		(12,715	)		76,780		(12,905	)
Collateralized mortgage obligations: commercial		16,608		(223	)		33,817		(2,640	)		50,425		(2,863	)
Commercial paper		35,354		(14	)		—		—			35,354		(14	)
Corporate debt securities		—		—			27,763		(3,960	)		27,763		(3,960	)
Municipal tax-exempt securities		—		—			9,049		(3,570	)		9,049		(3,570	)
Total available for sale	$	77,104	$	(473	)	$	170,520	$	(29,974	)	$	247,624	$	(30,447	)

Municipal tax-exempt securities	$	—	$	—		$	4,429	$	(270	)	$	4,429	$	(270	)
Municipal taxable securities		499		(2	)		—		—			499		(2	)
Total held to maturity	$	499	$	(2	)	$	4,429	$	(270	)	$	4,928	$	(272	)

	*Less than Twelve Months*					*Twelve Months or More*					*Total*
	*Fair Value*		*Unrealized Losses*			*Fair Value*		*Unrealized Losses*			*Fair Value*		*Unrealized Losses*
December 31, 2023	*(dollars in thousands)*
Government agency securities	$	4,238	$	(72	)	$	3,923	$	(472	)	$	8,161	$	(544	)
SBA securities		5,102		(18	)		2,094		(198	)		7,196		(216	)
Mortgage-backed securities: residential		—		—			34,652		(5,855	)		34,652		(5,855	)
Collateralized mortgage obligations: residential		2,597		(37	)		60,275		(12,161	)		62,872		(12,198	)
Collateralized mortgage obligations: commercial		18,463		(70	)		35,077		(2,594	)		53,540		(2,664	)
Commercial paper		53,211		(16	)		—		—			53,211		(16	)
Corporate debt securities		—		—			30,691		(4,109	)		30,691		(4,109	)
Municipal tax-exempt securities		—		—			9,509		(3,127	)		9,509		(3,127	)
Total available for sale	$	83,611	$	(213	)	$	176,221	$	(28,516	)	$	259,832	$	(28,729	)

Municipal tax-exempt securities	$	1,397	$	(19	)	$	3,196	$	(96	)	$	4,593	$	(115	)
Total held to maturity	$	1,397	$	(19	)	$	3,196	$	(96	)	$	4,593	$	(115	)

Note 15 - Stock-based Compensation (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of Share-Based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]

	March 2023
Expected volatility		28.4	%
Expected term (years)		8.0
Expected dividends		2.92	%
Risk free rate		4.27	%
Grant date fair value	$	5.49

Share-Based Payment Arrangement, Option and Stock Appreciation Rights, Activity [Table Text Block]

	*Outstanding Options*			*Weighted-Average Exercise Price*		*Weighted- Average Remaining Contractual Term in years*		*Aggregate Intrinsic Value*
	*(dollars in thousands, except for per share data)*
Outstanding at beginning of year		397,903		$	17.61
Exercised		(69,250	)		14.42
Forfeited/cancelled		(111,153	)		17.75
Outstanding at end of period		217,500		$	18.55		5.68	$	194

Options exercisable		190,167		$	18.17		5.29	$	194

Schedule of Nonvested Restricted Stock Units Activity [Table Text Block]

				*Weighted-Average*
				*Grant Date*
	*Shares*			*Fair Value Per Share*
Outstanding at beginning of year		43,160		$	18.89
Granted ⁽¹⁾		135,601			18.28
Vested		(35,853	)		19.84
Outstanding at end of period		142,908		$	18.07

Note 7 - Deposits

6 Months Ended

Jun. 30, 2024

Deposit Liabilities Disclosures [Text Block]

NOTE 7 - DEPOSITS

At June 30, 2024, the scheduled maturities of time deposits are as follows:

		*$250,000 and under*		*Greater than $250,000*		*Total*
Time Deposits Maturities Periods:		*(dollars in thousands)*
One year or less	$	1,000,242	$	816,971	$	1,817,213
Two to three years		13,113		1,404		14,517
Over three years		834		300		1,134
Total	$	1,014,189	$	818,675	$	1,832,864

Time deposits include deposits acquired through both retail and wholesale channels. Wholesale channels include brokered deposits, collateralized deposits from the State of California, and deposits acquired through internet listing services. Such wholesale deposits totaled $120.7 million at June 30, 2024 and $405.6 million at December 31, 2023. Brokered time deposits were $54.1 million at June 30, 2024 and $254.9 million at December 31, 2023. Collateralized deposits from the State of California totaled $25.0 million at June 30, 2024 and $80.0 million at December 31, 2023. Time deposits acquired through internet listing services totaled $41.6 million at June 30, 2024 and $61.4 million at December 31, 2023.

In addition, we offer retail deposit products where customers are able to achieve FDIC insurance for balances on deposit in excess of the $250,000 FDIC limit through the Certificate of Deposit Account Registry Service (“CDARS”) and Insured Cash Sweeps (“ICS”) programs. Time deposits held through the CDARS program were $140.3 million at June 30, 2024 and $135.7 million at December 31, 2023. ICS deposits totaled $134.5 million at June 30, 2024 and $109.2 million at December 31, 2023.

Note 17 - Fair Value Measurements and Fair Value of Financial Instruments (Details Textual)	3 Months Ended	6 Months Ended	12 Months Ended
	Jun. 30, 2024 USD ($) $ / item	Jun. 30, 2024 USD ($) $ / item	Dec. 31, 2023 USD ($)	Jun. 30, 2023 USD ($)
Financing Receivables, Collateral Dependent, Write-down	$ 525,000		$ 521,000
Loans Receivable, Fair Value Disclosure	21,800,000	$ 21,800,000
Gains (Losses) on Sales of Other Real Estate	292,000	456,000
Gains (Losses) on Transfer to Other Real Estate		560,000
Write Down on Other Real Estate Owned	$ 0	$ 0	0
Minimum [Member] \| Interest Rate Lock Contracts and Forward Mortgage Loan Sale Contracts [Member]
Derivative, Buy Price (in USD per Per Share) \| $ / item	98	98
Derivative, Sale Price (in USD per Per Share) \| $ / item	100	100
Maximum [Member] \| Interest Rate Lock Contracts and Forward Mortgage Loan Sale Contracts [Member]
Derivative, Buy Price (in USD per Per Share) \| $ / item	100	100
Derivative, Sale Price (in USD per Per Share) \| $ / item	102	102
Measurement Input, Margin Cost Rate [Member] \| Minimum [Member] \| Interest Rate Lock Contracts and Forward Mortgage Loan Sale Contracts [Member] \| Fair Value, Inputs, Level 3 [Member]
Derivative Asset, Measurement Input	0.0088	0.0088
Measurement Input, Margin Cost Rate [Member] \| Maximum [Member] \| Interest Rate Lock Contracts and Forward Mortgage Loan Sale Contracts [Member] \| Fair Value, Inputs, Level 3 [Member]
Derivative Asset, Measurement Input	0.0113	0.0113
Other Real Estate Owned [Member] \| Measurement Input, Comparability Adjustment [Member] \| Minimum [Member]
Alternative Investment, Measurement Input	0.05	0.05
Other Real Estate Owned [Member] \| Measurement Input, Comparability Adjustment [Member] \| Maximum [Member]
Alternative Investment, Measurement Input	0.10	0.10
Single-Family Residences [Member]
Assets, Fair Value Disclosure	$ 0	$ 0	0	$ 0
Collateral Pledged [Member]
Loans Receivable, Fair Value Disclosure			$ 11,400,000

Note 4 - Loans and Allowance for Credit Losses - Loans - Schedule of Financing Receivables, Nonaccrual Status (Details) - USD ($)
$ in Thousands

Jun. 30, 2024

Dec. 31, 2023

$ 54,458

$ 30,219

^[1]

54,589

31,619

10,000

10,000

17,617

10,569

17,617

10,569

19,623

18,103

19,623

18,103

6,348

610

6,472

854

870

937

870

2,085

Other Loans [Member]

$ 7

$ 8

[1]	Past due loans include nonaccrual loans and are therefore included in total loans.

Note 13 - Leases

6 Months Ended

Jun. 30, 2024

Lessee, Operating Leases [Text Block]

NOTE 13 - LEASES

We lease several of our operating facilities under various non-cancellable operating leases expiring at various dates through 2037. We are also responsible for common area maintenance, taxes, and insurance at the various branch locations.

Future minimum rent payments on our leases were as follows as of the date indicated:

		*As of June 30, 2024*
		(dollars in thousands)
Remainder of 2024	$	2,380
2025		5,804
2026		5,841
2027		5,746
2028		4,828
Thereafter		10,940
Total future minimum lease payments	$	35,539
Less amount of payment representing interest		(3,452	)
Total present value of lease payments	$	32,087

The minimum rent payments shown above are given for the existing lease obligation and are not a forecast of future rental expense. Total rental expense, recognized on a straight-line basis, was $1.5 million and $1.4 million for the three months ended June 30, 2024 and 2023 and $2.9 million and $2.8 million for the six months ended June 30, 2024 and 2023. The Company received rental income of $152,000 and $141,000 for the three months ended June 30, 2024 and 2023, and $297,000 and $281,000 for the six months ended June 30, 2024 and 2023.

The following table presents the right-of-use ("ROU") assets and lease liabilities recorded on our consolidated balance sheet, the weighted-average remaining lease terms and discount rates, as of the dates indicated:

	*June 30,*			*December 31,*
	*2024*			*2023*
Operating Leases	*(dollars in thousands)*
ROU assets	$	30,530		$	29,803
Lease liabilities		32,087			31,191

Weighted-average remaining lease term (in years)		7.03			7.63
Weighted-average discount rate		2.78	%		1.72	%

Note 3 - Investment Securities - Summary of Investment Securities with Unrealized Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Less than Twelve Months Estimated Fair Value, available for sale	$ 77,104	$ 83,611
Less than Twelve Months Unrealized Losses, available for sale	(473)	(213)
Twelve Months or More Estimated Fair Value, available for sale	170,520	176,221
Twelve Months or More Unrealized Losses	(29,974)	(28,516)
Total Estimated Fair Value, available for sale	247,624	259,832
Total Unrealized Losses, available for sale	(30,447)	(28,729)
Less than Twelve Months Estimated Fair Value, held to maturity	499	1,397
Less than Twelve Months Unrealized Losses, held to maturity	(2)	(19)
Twelve Months or More Estimated Fair Value, held to maturity	4,429	3,196
Twelve Months or More Unrealized Losses, held to maturity	(270)	(96)
Total Estimated Fair Value, held to maturity	4,928	4,593
Total Unrealized Losses, held to maturity	(272)	(115)
US Government Agencies Debt Securities [Member]
Less than Twelve Months Estimated Fair Value, available for sale	0	4,238
Less than Twelve Months Unrealized Losses, available for sale	0	(72)
Twelve Months or More Estimated Fair Value, available for sale	7,060	3,923
Twelve Months or More Unrealized Losses	(535)	(472)
Total Estimated Fair Value, available for sale	7,060	8,161
Total Unrealized Losses, available for sale	(535)	(544)
SBA Securities [Member]
Less than Twelve Months Estimated Fair Value, available for sale	7,147	5,102
Less than Twelve Months Unrealized Losses, available for sale	(46)	(18)
Twelve Months or More Estimated Fair Value, available for sale	1,924	2,094
Twelve Months or More Unrealized Losses	(223)	(198)
Total Estimated Fair Value, available for sale	9,071	7,196
Total Unrealized Losses, available for sale	(269)	(216)
Residential Mortgage-Backed Securities [Member]
Less than Twelve Months Estimated Fair Value, available for sale	0	0
Less than Twelve Months Unrealized Losses, available for sale	0	0
Twelve Months or More Estimated Fair Value, available for sale	32,122	34,652
Twelve Months or More Unrealized Losses	(6,331)	(5,855)
Total Estimated Fair Value, available for sale	32,122	34,652
Total Unrealized Losses, available for sale	(6,331)	(5,855)
Residential Collateralized Mortgage Obligations [Member]
Less than Twelve Months Estimated Fair Value, available for sale	17,995	2,597
Less than Twelve Months Unrealized Losses, available for sale	(190)	(37)
Twelve Months or More Estimated Fair Value, available for sale	58,785	60,275
Twelve Months or More Unrealized Losses	(12,715)	(12,161)
Total Estimated Fair Value, available for sale	76,780	62,872
Total Unrealized Losses, available for sale	(12,905)	(12,198)
Commercial Collateralized Mortgage Obligations [Member]
Less than Twelve Months Estimated Fair Value, available for sale	16,608	18,463
Less than Twelve Months Unrealized Losses, available for sale	(223)	(70)
Twelve Months or More Estimated Fair Value, available for sale	33,817	35,077
Twelve Months or More Unrealized Losses	(2,640)	(2,594)
Total Estimated Fair Value, available for sale	50,425	53,540
Total Unrealized Losses, available for sale	(2,863)	(2,664)
Commercial Paper [Member]
Less than Twelve Months Estimated Fair Value, available for sale	35,354	53,211
Less than Twelve Months Unrealized Losses, available for sale	(14)	(16)
Twelve Months or More Estimated Fair Value, available for sale	0	0
Twelve Months or More Unrealized Losses	0	0
Total Estimated Fair Value, available for sale	35,354	53,211
Total Unrealized Losses, available for sale	(14)	(16)
Corporate Debt Securities [Member]
Less than Twelve Months Estimated Fair Value, available for sale	0	0
Less than Twelve Months Unrealized Losses, available for sale	0	0
Twelve Months or More Estimated Fair Value, available for sale	27,763	30,691
Twelve Months or More Unrealized Losses	(3,960)	(4,109)
Total Estimated Fair Value, available for sale	27,763	30,691
Total Unrealized Losses, available for sale	(3,960)	(4,109)
Municipal Bonds [Member]
Less than Twelve Months Estimated Fair Value, available for sale	0	0
Less than Twelve Months Unrealized Losses, available for sale	0	0
Twelve Months or More Estimated Fair Value, available for sale	9,049	9,509
Twelve Months or More Unrealized Losses	(3,570)	(3,127)
Total Estimated Fair Value, available for sale	9,049	9,509
Total Unrealized Losses, available for sale	(3,570)	(3,127)
Less than Twelve Months Estimated Fair Value, held to maturity	0	1,397
Less than Twelve Months Unrealized Losses, held to maturity	0	(19)
Twelve Months or More Estimated Fair Value, held to maturity	4,429	3,196
Twelve Months or More Unrealized Losses, held to maturity	(270)	(96)
Total Estimated Fair Value, held to maturity	4,429	4,593
Total Unrealized Losses, held to maturity	(270)	$ (115)
Taxable Municipal Bonds [Member]
Less than Twelve Months Estimated Fair Value, held to maturity	499
Less than Twelve Months Unrealized Losses, held to maturity	(2)
Twelve Months or More Estimated Fair Value, held to maturity	0
Twelve Months or More Unrealized Losses, held to maturity	0
Total Estimated Fair Value, held to maturity	499
Total Unrealized Losses, held to maturity	$ (2)

Note 13 - Leases - Future Minimum Rent Payments (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
2024 remaining, future minimum lease payments	$ 2,380
2025, future minimum lease payments	5,804
2026, future minimum lease payments	5,841
2027, future minimum lease payments	5,746
2028, future minimum lease payments	4,828
Thereafter	10,940
Total future minimum lease payments	35,539
Less amount of payment representing interest	(3,452)
Total present value of lease payments	$ 32,087	$ 31,191

Insider Trading Arrangements

3 Months Ended

6 Months Ended

Jun. 30, 2024

Insider Trading Arr Line Items

Material Terms of Trading Arrangement [Text Block]

ITEM 5.

OTHER INFORMATION

Rule 10b5-1 Trading Plans

During the quarter ended June 30, 2024, no officer or director of the Company adopted or terminated any contract, instruction, or written plan for the purchase or sale of securities of our common stock that is intended to satisfy the affirmative defense conditions of Exchange Act Rule 10b5-1(c) or any non-Rule 10b5-1 trading arrangement as defined in 17 CFR§ 229.408(c).

Rule 10b5-1 Arrangement Adopted [Flag]

false

Rule 10b5-1 Arrangement Terminated [Flag]

false

Non-Rule 10b5-1 Arrangement Terminated [Flag]

false

Non-Rule 10b5-1 Arrangement Adopted [Flag]

false

Note 16 - Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

						*Amount of Capital Required*
											*To Be Well-Capitalized*
						*Minimum Required for*					*Under Prompt Corrective*
	*Actual*					*Capital Adequacy Purposes*					*Provisions*
	*Amount*		*Ratio*			*Amount*		Ratio ⁽¹⁾			*Amount*		*Ratio*
As of June 30, 2024:	*(dollars in thousands)*
Tier 1 Leverage Ratio
Consolidated	$	473,940		12.48	%	$	151,963		4.0	%	$	189,954		5.0	%
Bank		555,031		14.61	%		151,913		4.0	%		189,891		5.0	%
Common Equity Tier 1 Risk-Based Capital Ratio
Consolidated	$	458,893		18.89	%	$	109,346		4.5	%	$	157,944		6.5	%
Bank		555,031		22.87	%		109,222		4.5	%		157,765		6.5	%
Tier 1 Risk-Based Capital Ratio
Consolidated	$	473,940		19.50	%	$	145,795		6.0	%	$	194,393		8.0	%
Bank		555,031		22.87	%		145,629		6.0	%		194,172		8.0	%
Total Risk-Based Capital Ratio
Consolidated	$	623,800		25.67	%	$	194,393		8.0	%	$	242,991		10.0	%
Bank		585,519		24.12	%		194,172		8.0	%		242,716		10.0	%

						*Amount of Capital Required*
											*To Be Well-Capitalized*
						*Minimum Required for*					*Under Prompt Corrective*
	*Actual*					*Capital Adequacy Purposes*					*Provisions*
	*Amount*		*Ratio*			*Amount*		Ratio ⁽¹⁾			*Amount*		*Ratio*
As of December 31, 2023:	*(dollars in thousands)*
Tier 1 Leverage Ratio
Consolidated	$	472,152		11.99	%	$	157,526		4.0	%	$	196,907		5.0	%
Bank		535,952		13.62	%		157,454		4.0	%		196,818		5.0	%
Common Equity Tier 1 Risk Based Capital Ratio
Consolidated	$	457,214		19.07	%	$	107,886		4.5	%	$	155,836		6.5	%
Bank		535,952		22.41	%		107,598		4.5	%		155,419		6.5	%
Tier 1 Risk-Based Capital Ratio
Consolidated	$	472,152		19.69	%	$	143,849		6.0	%	$	191,798		8.0	%
Bank		535,952		22.41	%		143,464		6.0	%		191,285		8.0	%
Total Risk-Based Capital Ratio
Consolidated	$	621,423		25.92	%	$	191,798		8.0	%	$	239,748		10.0	%
Bank		565,997		23.67	%		191,285		8.0	%		239,106		10.0	%

Note 21 - Repurchase of Common Stock

6 Months Ended

Jun. 30, 2024

Treasury Stock [Text Block]

NOTE 21 - REPURCHASE OF COMMON STOCK

On February 29, 2024, the Board of Directors authorized the repurchase of up to 1,000,000 shares of common stock, of which 508,275 shares were available as of June 30, 2024. We repurchased 448,190 shares at a weighted average share price of $18.01 during the second quarter of 2024.

Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Operating activities
Net income	$ 15,281,000	$ 21,919,000
Adjustments to reconcile net income to net cash from operating activities:
Depreciation and amortization of premises and equipment	951,000	1,019,000
Net accretion of securities, loans, deposits, and other	(2,890,000)	(2,470,000)
Amortization of investment in affordable housing tax credits	602,000	564,000
Amortization of intangible assets	1,173,000	1,319,000
Amortization of right-of-use asset	2,494,000	2,541,000
Change in operating lease liabilities	(2,325,000)	(2,379,000)
Provision for credit losses	557,000	2,394,000
Stock-based compensation	828,000	466,000
Deferred tax (benefit) expense	(173,000)	395,000
Gain on sale of loans	(763,000)	(47,000)
Gain on sale and transfer of OREO	(1,016,000)	0
Increase in cash surrender value of life insurance	(767,000)	(679,000)
Loans originated and purchased for sale, net	(20,332,000)	(2,759,000)
Proceeds from loans sold	27,758,000	2,382,000
Other items	(4,857,000)	10,161,000
Net cash provided by operating activities	16,521,000	34,826,000
Investing activities
Purchases	(222,220,000)	(376,015,000)
Maturities, repayments and calls	215,711,000	243,115,000
Net decrease (increase) in other equity securities	393,000	(341,000)
Net increase of investment in qualified affordable housing projects	(251,000)	(71,000)
Net (increase) decrease in loans	(25,509,000)	140,124,000
Proceeds from sales of OREO	2,936,000	0
Purchases of premises and equipment	(298,000)	(589,000)
Net cash (used in) provided by investing activities	(29,238,000)	6,223,000
Financing activities
Net increase (decrease) in demand deposits and savings accounts	18,391,000	(229,788,000)
Net (decrease) increase in time deposits	(169,603,000)	427,434,000
Proceeds from FHLB advances	0	80,000,000
Repayments of FHLB Advances	0	(150,000,000)
Cash dividends paid	(5,986,000)	(6,077,000)
Restricted stock units vesting	(64,000)	0
Common stock repurchased, net of repurchased costs	(9,624,000)	0
Exercise of stock options	999,000	159,000
Net cash (used in) provided by financing activities	(165,887,000)	121,728,000
Net (decrease) increase in cash and cash equivalents	(178,604,000)	162,777,000
Cash and cash equivalents at beginning of period	431,373,000	83,548,000
Cash and cash equivalents at end of period	252,769,000	246,325,000
Cash paid during the period:
Interest paid	64,426,000	41,115,000
Taxes paid	3,771,000	2,304,000
Non-cash investing and financing activities:
Transfer from loans to other real estate owned	1,920,000	0
Loans transfer to held for sale, net	7,898,000	132,000
Additions to servicing assets	207,000	28,000
Net change in unrealized holding gain on securities available for sale	(2,042,000)	(1,014,000)
Recognition of operating lease right-of-use assets	(3,221,000)	(5,771,000)
Recognition of operating lease liabilities	$ 3,221,000	$ 5,771,000

Note 4 - Loans and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	*June 30, 2024*			*December 31, 2023*
Loans HFI:⁽¹⁾	*(dollars in thousands)*
Real Estate:
Construction and land development	$	202,459		$	181,469
Commercial real estate ⁽²⁾		1,190,207			1,167,857
Single-family residential mortgages		1,467,802			1,487,796
Commercial:
Commercial and industrial		126,649			130,096
SBA		50,323			52,074
Other		10,272			12,569
Total loans HFI ⁽¹⁾	$	3,047,712		$	3,031,861
Allowance for loan losses		(41,741	)		(41,903	)
Total loans HFI, net	$	3,005,971		$	2,989,958

Financing Receivable, Allowance for Credit Loss [Table Text Block]

	For the Three Months Ended
	June 30, 2024									March 31, 2024								June 30, 2023
	Allowance for loan losses			Reserve for unfunded loan commitments			Allowance for credit losses			Allowance for loan losses			Reserve for unfunded loan commitments		Allowance for credit losses			Allowance for loan losses			Reserve for unfunded loan commitments			Allowance for credit losses
	*(dollars in thousands)*
Beginning balance	$	41,688		$	671		$	42,359		$	41,903		$	640	$	42,543		$	43,071		$	1,018		$	44,089
Provision for/(reversal of) credit losses		604			(47	)		557			(31	)		31		—			601			(221	)		380
Less loans charged-off		(567	)		—			(567	)		(214	)		—		(214	)		(614	)		—			(614	)
Recoveries on loans charged-off		16			—			16			30			—		30			34			—			34
Ending balance	$	41,741		$	624		$	42,365		$	41,688		$	671	$	42,359		$	43,092		$	797		$	43,889

	*For the Six Months Ended June 30,*
	*2024*									*2023*
	*Allowance for loan losses*			*Reserve for unfunded loan commitments*			*Allowance for credit losses*			*Allowance for loan losses*			*Reserve for unfunded loan commitments*			*Allowance for credit losses*
	*(dollars in thousands)*
Beginning balance	$	41,903		$	640		$	42,543		$	41,076		$	1,156		$	42,232
Provision for/(reversal of) credit losses		573			(16	)		557			2,753			(359	)		2,394
Less loans charged-off		(781	)		—			(781	)		(775	)		—			(775	)
Recoveries on loans charged-off		46			—			46			38			—			38
Ending balance	$	41,741		$	624		$	42,365		$	43,092		$	797		$	43,889

	*For the Three Months Ended June 30, 2024*
	*Construction and land development*		*Commercial real estate*			*Single-family residential mortgages*			*Commercial and industrial*			*SBA*			*Other*			*Total*
Allowance for loan losses:	*(dollars in thousands)*
Beginning balance	$	1,311	$	18,307		$	19,878		$	1,294		$	735		$	163		$	41,688
Provision for/(reversal of) credit losses		41		653			(38	)		(9	)		(60	)		17			604
Charge-offs		—		(526	)		—			—			—			(41	)		(567	)
Recoveries		—		—			—			—			—			16			16
Ending allowance balance	$	1,352	$	18,434		$	19,840		$	1,285		$	675		$	155		$	41,741

	*For the Three Months Ended March 31, 2024*
	*Construction and land development*		*Commercial real estate*			*Single-family residential mortgages*			*Commercial and industrial*			*SBA*			*Other*			*Total*
Allowance for loan losses:	*(dollars in thousands)*
Beginning balance	$	1,219	$	17,826		$	20,117		$	1,348		$	1,196		$	197		$	41,903
Provision for/(reversal of) credit losses		92		597			(239	)		(52	)		(461	)		32			(31	)
Charge-offs		—		(116	)		—			(3	)		—			(95	)		(214	)
Recoveries		—		—			—			1			—			29			30
Ending allowance balance	$	1,311	$	18,307		$	19,878		$	1,294		$	735		$	163		$	41,688

	*For the Three Months Ended June 30, 2023*
	*Construction and land development*		*Commercial real estate*			*Single-family residential mortgages*		*Commercial and industrial*			*SBA*			*Other*			*Total*
Allowance for loan losses:	*(dollars in thousands)*
Beginning balance	$	2,391	$	18,148		$	19,716	$	1,501		$	672		$	643		$	43,071
Provision for/(reversal of) credit losses		57		(444	)		1,400		(391	)		13			(34	)		601
Charge-offs		—		(399	)		—		—			(62	)		(153	)		(614	)
Recoveries		—		—			—		—			—			34			34
Ending allowance balance	$	2,448	$	17,305		$	21,116	$	1,110		$	623		$	490		$	43,092

	*For the Six Months Ended June 30, 2024*
	*Construction and land development*		*Commercial real estate*			*Single-family residential mortgages*			*Commercial and industrial*			*SBA*			*Other*			*Total*
Allowance for loan losses:	*(dollars in thousands)*
Beginning balance	$	1,219	$	17,826		$	20,117		$	1,348		$	1,196		$	197		$	41,903
Provision for/(reversal of) credit losses		133		1,250			(277	)		(61	)		(521	)		49			573
Charge-offs		—		(642	)		—			(3	)		—			(136	)		(781	)
Recoveries		—		—			—			1			—			45			46
Ending allowance balance	$	1,352	$	18,434		$	19,840		$	1,285		$	675		$	155		$	41,741

	*For the Six Months Ended June 30, 2023*
	*Construction and land development*			*Commercial real estate*			*Single-family residential mortgages*			*Commercial and industrial*			*SBA*			*Other*			*Total*
Allowance for loan losses:	*(dollars in thousands)*
Beginning balance	$	2,638		$	17,657		$	17,640		$	1,804		$	621		$	716		$	41,076
(Reversal of)/provision for credit losses		(190	)		47			3,569			(694	)		63			(42	)		2,753
Charge-offs		—			(399	)		(93	)		—			(62	)		(221	)		(775	)
Recoveries		—			—			—			—			1			37			38
Ending allowance balance	$	2,448		$	17,305		$	21,116		$	1,110		$	623		$	490		$	43,092

Financing Receivable Credit Quality Indicators [Table Text Block]

	*Term Loan by Vintage*
June 30, 2024	*2024*		*2023*		*2022*		*2021*		*2020*		*Prior*		*Revolving*		*Revolving Converted to Term During the Period*		*Total*
Real estate:		*(dollars in thousands)*
Construction and land development
Pass	$	145,436	$	18,429	$	—	$	15,415	$	1,373	$	104	$	—	$	—	$	180,757
Special mention		—		—		—		11,702		—		—		—		—		11,702
Substandard		—		10,000		—		—		—		—		—		—		10,000
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	145,436	$	28,429	$	—	$	27,117	$	1,373	$	104	$	—	$	—	$	202,459
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate
Pass	$	131,937	$	62,685	$	410,106	$	172,420	$	166,440	$	218,493	$	—	$	—	$	1,162,081
Special mention		—		—		—		—		—		6,816		—		—		6,816
Substandard		—		—		—		—		11,000		10,310		—		—		21,310
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	131,937	$	62,685	$	410,106	$	172,420	$	177,440	$	235,619	$	—	$	—	$	1,190,207
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	225	$	417	$	—	$	—	$	642
Single-family residential mortgages
Pass	$	47,956	$	147,795	$	575,365	$	232,843	$	118,342	$	323,866	$	1,332	$	—	$	1,447,499
Special mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		736		1,653		1,936		15,978		—		—		20,303
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	47,956	$	147,795	$	576,101	$	234,496	$	120,278	$	339,844	$	1,332	$	—	$	1,467,802
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial:
Commercial and industrial																		—
Pass	$	7,301	$	1,176	$	2,943	$	4,342	$	2,342	$	6,391	$	94,180	$	—	$	118,675
Special mention		—		—		—		—		—		—		3		—		3
Substandard		—		—		79		—		1,364		4,835		1,693		—		7,971
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	7,301	$	1,176	$	3,022	$	4,342	$	3,706	$	11,226	$	95,876	$	—	$	126,649
YTD gross charge-offs	$	—	$	—	$	3	$	—	$	—	$	—	$	—	$	—	$	3
SBA
Pass	$	5,637	$	1,878	$	10,937	$	9,826	$	964	$	16,661	$	—	$	—	$	45,903
Special mention		—		—		—		—		999		—		—		—		999
Substandard		—		—		—		332		—		3,089		—		—		3,421
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	5,637	$	1,878	$	10,937	$	10,158	$	1,963	$	19,750	$	—	$	—	$	50,323
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Other:
Pass	$	—	$	169	$	2,106	$	7,094	$	454	$	11	$	367	$	—	$	10,201
Special mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		26		42		3		—		—		—		71
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	—	$	169	$	2,132	$	7,136	$	457	$	11	$	367	$	—	$	10,272
YTD gross charge-offs	$	—	$	—	$	—	$	130	$	6	$	—	$	—	$	—	$	136
Total by risk rating:
Pass	$	338,267	$	232,132	$	1,001,457	$	441,940	$	289,915	$	565,526	$	95,879	$	—	$	2,965,116
Special mention		—		—		—		11,702		999		6,816		3		—		19,520
Substandard		—		10,000		841		2,027		14,303		34,212		1,693		—		63,076
Doubtful		—		—		—		—		—		—		—		—		—
Total loans	$	338,267	$	242,132	$	1,002,298	$	455,669	$	305,217	$	606,554	$	97,575	$	—	$	3,047,712
Total YTD gross charge-offs	$	—	$	—	$	3	$	130	$	231	$	417	$	—	$	—	$	781

	*Term Loan by Vintage*
December 31, 2023	*2023*		*2022*		*2021*		*2020*		*2019*		*Prior*		*Revolving*		*Revolving Converted to Term During the Period*		*Total*
Real estate:		*(dollars in thousands)*
Construction and land development
Pass	$	127,602	$	25,880	$	12,168	$	3,919	$	192	$	32	$	—	$	—	$	169,793
Special mention		—		—		11,676		—		—		—		—		—		11,676
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	127,602	$	25,880	$	23,844	$	3,919	$	192	$	32	$	—	$	—	$	181,469
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	140	$	—	$	—	$	140
Commercial real estate
Pass	$	90,126	$	423,564	$	186,904	$	175,650	$	94,796	$	152,847	$	—	$	—	$	1,123,887
Special mention		—		—		—		—		7,719		4,880		—		—		12,599
Substandard		301		—		—		11,410		2,295		17,365		—		—		31,371
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	90,427	$	423,564	$	186,904	$	187,060	$	104,810	$	175,092	$	—	$	—	$	1,167,857
YTD gross charge-offs	$	—	$	2,078	$	—	$	459	$	—	$	—	$	—	$	—	$	2,537
Single-family residential mortgages
Pass	$	156,372	$	593,539	$	239,502	$	125,346	$	83,002	$	265,050	$	1,720	$	—	$	1,464,531
Special mention		—		—		619		—		—		3,855		—		—		4,474
Substandard		—		719		758		4,985		545		11,740		44		—		18,791
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	156,372	$	594,258	$	240,879	$	130,331	$	83,547	$	280,645	$	1,764	$	—	$	1,487,796
YTD gross charge-offs	$	—	$	—	$	—	$	93	$	—	$	—	$	—	$	—	$	93
Commercial:
Commercial and industrial																		—
Pass	$	1,305	$	3,283	$	6,281	$	2,901	$	2,049	$	4,700	$	99,339	$	—	$	119,858
Special mention		—		—		—		—		—		—		2,737		—		2,737
Substandard		—		87		—		1,410		7		4,952		1,045		—		7,501
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	1,305	$	3,370	$	6,281	$	4,311	$	2,056	$	9,652	$	103,121	$	—	$	130,096
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
SBA
Pass	$	5,642	$	11,023	$	10,037	$	2,324	$	4,588	$	13,783	$	—	$	—	$	47,397
Special mention		—		—		331		—		—		1,025		—		—		1,356
Substandard		—		—		—		—		85		3,236		—		—		3,321
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	5,642	$	11,023	$	10,368	$	2,324	$	4,673	$	18,044	$	—	$	—	$	52,074
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	62	$	—	$	—	$	62
Other:
Pass	$	193	$	2,727	$	8,813	$	674	$	29	$	—	$	18	$	—	$	12,454
Special mention		—		—		—		—		—		—		—		—		—
Substandard		—		80		28		7		—		—		—		—		115
Doubtful		—		—		—		—		—		—		—		—		—
Total	$	193	$	2,807	$	8,841	$	681	$	29	$	—	$	18	$	—	$	12,569
YTD gross charge-offs	$	—	$	79	$	273	$	10	$	—	$	—	$	—	$	—	$	362
Total by risk rating:
Pass	$	381,240	$	1,060,016	$	463,705	$	310,814	$	184,656	$	436,412	$	101,077	$	—	$	2,937,920
Special mention		—		—		12,626		—		7,719		9,760		2,737		—		32,842
Substandard		301		886		786		17,812		2,932		37,293		1,089		—		61,099
Doubtful		—		—		—		—		—		—		—		—		—
Total loans	$	381,541	$	1,060,902	$	477,117	$	328,626	$	195,307	$	483,465	$	104,903	$	—	$	3,031,861
Total YTD gross charge-offs	$	—	$	2,157	$	273	$	562	$	—	$	202	$	—	$	—	$	3,194

Financing Receivable, Past Due [Table Text Block]


June 30, 2024	*30-59 Days*		*60-89 Days*		*90 Days Or More*		Total Past Due ⁽¹⁾		*Loans Not Past Due*		Total Loans ⁽¹⁾		Nonaccrual Loans ⁽¹⁾
Real estate:		*(dollars in thousands)*
Construction and land development	$	—	$	—	$	10,000	$	10,000	$	192,459	$	202,459	$	10,000
Commercial real estate		731		8,367		8,838		17,936		1,172,271		1,190,207		17,617
Single-family residential mortgages		9,599		1,231		16,444		27,274		1,440,528		1,467,802		19,623
Commercial:
Commercial and industrial		327		1		6,348		6,676		119,973		126,649		6,472
SBA		1,128		—		467		1,595		48,728		50,323		870
Other		33		32		7		72		10,200		10,272		7
Total	$	11,818	$	9,631	$	42,104	$	63,553	$	2,984,159	$	3,047,712	$	54,589


December 31, 2023
Real estate:
Construction and land development	$	—	$	—	$	—	$	—	$	181,469	$	181,469	$	—
Commercial real estate		1,341		216		1,582		3,139		1,164,718		1,167,857		10,569
Single-family residential mortgages		9,050		5,795		15,134		29,979		1,457,817		1,487,796		18,103
Commercial:
Commercial and industrial		1,544		—		854		2,398		127,698		130,096		854
SBA		356		—		2,085		2,441		49,633		52,074		2,085
Other		160		20		8		188		12,381		12,569		8
Total	$	12,451	$	6,031	$	19,663	$	38,145	$	2,993,716	$	3,031,861	$	31,619

Financing Receivable, Nonaccrual [Table Text Block]

	*June 30, 2024*				*December 31, 2023*
	*Nonaccrual Loans*				*Nonaccrual Loans*
	*with no*				*with no*
	*Allowance*				*Allowance*
	*for Loan Loss*		*Nonaccrual Loans*		*for Loan Loss*		*Nonaccrual Loans*
Real estate:	*(dollars in thousands)*
Construction and land development	$	10,000	$	10,000	$	—	$	—
Commercial real estate		17,617		17,617		10,569		10,569
Single-family residential mortgages		19,623		19,623		18,103		18,103
Commercial:
Commercial and industrial		6,348		6,472		610		854
SBA		870		870		937		2,085
Other:		—		7		—		8
Total	$	54,458	$	54,589	$	30,219	$	31,619

Schedule of Financing Receivables by Collateral Held [Table Text Block]

	*June 30, 2024*
	*Commercial Real Estate*		*Residential Real Estate*		*Business Assets*		*Total*
Real Estate:	*(dollars in thousands)*
Construction and land development	$	10,000	$	—	$	—	$	10,000
Commercial real estate		17,205		412		—		17,617
Single-family residential mortgages		—		19,623		—		19,623
Commercial:
Commercial and industrial		—		6,348		124		6,472
SBA		759		26		85		870
Total loans	$	27,964	$	26,409	$	209	$	54,582

	*December 31, 2023*
	*Commercial Real Estate*		*Residential Real Estate*		*Business Assets*		*Total*
Real Estate:	*(dollars in thousands)*
Commercial real estate	$	10,353	$	216	$	—	$	10,569
Single-family residential mortgages		—		18,103		—		18,103
Commercial:
Commercial and industrial		—		610		244		854
SBA		800		1,200		85		2,085
Total loans	$	11,153	$	20,129	$	329	$	31,611

Note 15 - Stock-based Compensation - Schedule of Weighted Average Assumption for Fair Value of Option Grant Estimated Using Black-Scholes Option Pricing Model (Details)	1 Months Ended
	Mar. 31, 2023 $ / shares
Expected volatility	28.40%
Expected term (years) (Year)	8 years
Expected dividends	2.92%
Risk free rate	4.27%
Grant date fair value (in dollars per share)	$ 5.49

Note 9 - Subordinated Debentures

6 Months Ended

Jun. 30, 2024

Subordinated Borrowings Disclosure [Text Block]

NOTE 9 - SUBORDINATED DEBENTURES

Subordinated debentures consist of subordinated debentures issued in connection with three separate trust preferred securities and totaled $15.0 million and $14.9 million as of June 30, 2024 and December 31, 2023. Under the terms of our subordinated debentures issued in connection with the issuance of trust preferred securities, we are not permitted to declare or pay any dividends on our capital stock if an event of default occurs under the terms of the long-term debt. In addition, we have the option to defer interest payments on the subordinated debentures from time to time for a period not to exceed five consecutive years. The subordinated debentures may be included in Tier 1 capital (with certain limitations applicable) under current regulatory guidelines and interpretations. We may redeem the subordinated debentures, subject to prior approval by the Board of Governors of the Federal Reserve System at 100% of the principal amount, plus accrued and unpaid interest. These subordinated debentures consist of the following and are described in detail after the table below:

	*Issue Date*		*Principal Amount*		*Unamortized Valuation Reserve*		*Recorded Value*	*Stated Rate Description*	*June 30, 2024 Effective Stated Rate*			*Stated Maturity*
Subordinated debentures:	*(dollars in thousands)*
TFC Trust	December 22, 2006	$	5,155	$	1,144	$	4,011	Three-month CME Term SOFR plus 0.26% (a) plus 1.65%,		7.25	%	March 15, 2037
FAIC Trust	December 15, 2004		7,217		803		6,414	Three-month CME Term SOFR plus 0.26% (a) plus 2.25%		7.85	%	December 15, 2034
PGBH Trust	December 15, 2004		5,155		533		4,622	Three-month CME Term SOFR plus 0.26% (a) plus 2.10%		7.70	%	December 15, 2034
Total		$	17,527	$	2,480	$	15,047

(a) Represents applicable tenor spread adjustment when the original LIBOR index was discontinued on June 30, 2023.

In 2016, we, through the acquisition of Tomato Bank and its holding company, TFC Holding Company (“TFC”), acquired TFC Statutory Trust (the “TFC Trust”). TFC Trust issued 5,000 fixed-to-floating rate capital securities with an aggregate liquidation amount of $5.0 million to an independent investor, and all of its common securities, with an aggregate liquidation amount of $155,000. TFC issued $5 million of subordinated debentures to TFC Trust in exchange for ownership of all of the common securities of TFC Trust and the proceeds of the preferred securities sold by TFC Trust. We are not considered the primary beneficiary of TFC trust (variable interest entity), therefore TFC Trust is not consolidated in our financial statements, but rather the subordinated debentures are shown as a liability. We also purchased an investment in the common stock of TFC Trust for $155,000, which is included in other assets. At the close of this acquisition, a $1.9 million valuation reserve was recorded to arrive at its fair market value, which is treated as a yield adjustment and amortized over the life of the security. The unamortized valuation reserve was $1.1 million at June 30, 2024 and $1.2 million at December 31, 2023. The subordinated debentures have a variable rate of interest equal to three-month CME Term SOFR plus applicable tenor spread adjustment of 0.26% plus 1.65%, which was 7.25% as of June 30, 2024 and 7.30% at December 31, 2023.

In October 2018, we, through the acquisition of First American International Corp. (“FAIC”), acquired First American International Statutory Trust I (“FAIC Trust”). FAIC Trust issued 7,000 units of thirty-year fixed-to-floating rate capital securities with an aggregate liquidation amount of $7.0 million to an independent investor, and all of its common securities, with an aggregate liquidation amount of $217,000. We are not considered the primary beneficiary of FAIC Trust (variable interest entity), therefore FAIC Trust is not consolidated in our financial statements, but rather the subordinated debentures are shown as a liability. We purchased an investment in the common stock of FAIC Trust for $217,000, which is included in other assets. At the close of this acquisition, a $1.2 million valuation reserve was recorded to arrive at its fair market value, which is treated as a yield adjustment and amortized over the life of the security. The unamortized valuation reserve was $803,000 at June 30, 2024 and $842,000 at December 31, 2023. The subordinated debentures have a variable rate of interest equal to three-month CME Term SOFR plus applicable tenor spread adjustment of 0.26% plus 2.25%, which was 7.85% as of June 30, 2024 and 7.90% at December 31, 2023.

In January 2020, we, through the acquisition of PGB Holdings, Inc., acquired Pacific Global Bank Trust I (“PGBH Trust”). PGBH Trust issued 5,000 units of fixed-to-floating rate capital securities with an aggregate liquidation amount of $5 million to an independent investor, and all of its common securities, with an aggregate liquidation amount of $155,000. We are not considered the primary beneficiary of PGBH Trust (variable interest entity), therefore PGBH Trust is not consolidated in our financial statements, but rather the subordinated debentures are shown as a liability. We purchased an investment in the common stock of PGBH Trust for $155,000, which is included in other assets. At the close of this acquisition, a $763,000 valuation reserve was recorded to arrive at its fair market value, which is treated as a yield adjustment and amortized over the life of the security. The unamortized valuation reserve was $533,000 at June 30, 2024 and $559,000 at December 31, 2023. The subordinated debentures have a variable rate of interest equal to three-month CME Term SOFR plus applicable tenor spread adjustment of 0.26% plus 2.10%, which was 7.70% as of June 30, 2024 and 7.75% at December 31, 2023.

We paid interest of $329,000 and $301,000 for three months ended June 30, 2024 and 2023, and $658,000 and $591,000 for the six months ended June 30, 2024 and 2023 on the subordinated debentures. The aggregate amount of amortization expense was $55,000 for each of the three months ended June 30, 2024 and 2023, and $109,000 for each of the six months ended June 30, 2024 and 2023.

For regulatory reporting purposes, the Federal Reserve has indicated that the capital or trust preferred securities qualify as Tier 1 capital of the Company subject to previously specified limitations (including that the asset size of the issuer did not exceed $15 billion), until further notice. If regulators make a determination that the capital securities can no longer be considered in regulatory capital, the securities become callable and we may redeem them.

Note 7 - Deposits (Details Textual) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Deposits, Wholesale	$ 120,700	$ 405,600
Brokered Time Deposits	54,100	254,900
Time Deposits	1,832,864
Collateralized Deposits From the State of California [Member]
Time Deposits	25,000	80,000
Time Deposits Acquired Through Internet Listing Services [Member]
Time Deposits	41,600	61,400
Certificates of Deposit Held Through CDARS [Member]
Time Deposits	140,300	135,700
ICS [Member]
Time Deposits	$ 134,500	$ 109,200

Note 17 - Fair Value Measurements and Fair Value of Financial Instruments - Gains Recognized on Assets Measured on Non-recurring Basis (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Other real estate owned - Single family residential	$ 292,000		$ 456,000
Fair Value, Nonrecurring [Member] \| Residential Portfolio Segment [Member] \| Single-Family Residences [Member]
Other real estate owned - Single family residential	$ 0	$ 0	$ 560,000	$ 0

Note 5 - Loan Servicing (Details Textual)	3 Months Ended			6 Months Ended
Note 5 - Loan Servicing (Details Textual)	Jun. 30, 2024 USD ($)	Mar. 31, 2024 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Loan Servicing Fees Net of Amortization	$ 579,000	$ 589,000	$ 606,000	$ 1,168,000	$ 1,337,000
Servicing Asset	7,545,000			7,545,000		$ 8,110,000
Mortgages [Member]
Servicing Asset	$ 11,800,000			$ 11,800,000		$ 12,100,000
Mortgages [Member] \| Measurement Input, Discount Rate [Member]
Servicing Asset, Measurement Input	0.112			0.112		0.1123
Mortgages [Member] \| Measurement Input, Prepayment Rate [Member]
Servicing Asset, Measurement Input	0.0782			0.0782		0.0791
Mortgages [Member] \| Measurement Input, Default Rate [Member]
Servicing Asset, Measurement Input	0.001			0.001		0.001
Small Business Administration Loans [Member]
Servicing Asset	$ 2,700,000			$ 2,700,000		$ 2,800,000
Small Business Administration Loans [Member] \| Measurement Input, Discount Rate [Member]
Servicing Asset, Measurement Input	0.085			0.085		0.085
Small Business Administration Loans [Member] \| Measurement Input, Prepayment Rate [Member]
Servicing Asset, Measurement Input	0.1859			0.1859		0.1768
Small Business Administration Loans [Member] \| Measurement Input, Default Rate [Member]
Servicing Asset, Measurement Input	0.0078			0.0078		0.0073

Note 3 - Investment Securities (Details Textual) - USD ($)	3 Months Ended			6 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Proceeds from Sale of Debt Securities, Available-for-Sale	$ 0	$ 0	$ 0	$ 0	$ 0
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss	995,000			995,000		$ 962,000
Debt Securities, Available-for-Sale, Allowance for Credit Loss	0		$ 0	0	0
Debt Securities, Available-for-Sale, Realized Gain (Loss)				0	$ 0
Equity Securities without Readily Determinable Fair Value, Amount	21,700,000			21,700,000		22,300,000
Asset Pledged as Collateral [Member]
Financial Instruments, Owned, at Fair Value	$ 50,800,000			$ 50,800,000		$ 95,300,000

Note 12 - Commitments and Contingencies (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of Fair Value, off-Balance-Sheet Risks [Table Text Block]

	*June 30,*		*December 31,*
	*2024*		*2023*
	*(dollars in thousands)*
Commitments to make loans	$	85,342	$	77,844
Unused lines of credit		83,443		106,315
Commercial and similar letters of credit		4,476		3,904
Standby letters of credit		2,303		2,687
Total	$	175,564	$	190,750

Note 14 - Related Party Transactions (Details Textual) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Executive Officers, Directors and their Related Interests [Member]
Unfunded Loan Commitments, Available To Related Parties	$ 0	$ 0
Principal Officers, Directors and their Affiliates [Member]
Related Party Deposit Liabilities	29,700	25,700
Directors and Their Affiliates [Member]
Loans and Leases Receivable, Related Parties	$ 6,000	$ 6,000

Note 20 - Qualified Affordable Housing Project Investments

6 Months Ended

Jun. 30, 2024

Affordable Housing Program [Text Block]

NOTE 20 - QUALIFIED AFFORDABLE HOUSING PROJECT INVESTMENTS

At June 30, 2024 and December 31, 2023, investments in qualified affordable housing projects totaled $5.8 million and $6.4 million. These balances are reflected in the accrued interest and other assets line on the consolidated balance sheets. Total unfunded commitments related to the investments in qualified housing projects totaled $2.1 million at June 30, 2024 and $2.3 million at December 31, 2023. We expect to fulfill these commitments between 2024 and 2038.

During the three months ended June 30, 2024, March 31, 2024, and June 30, 2023, we recognized tax credits from our investment in affordable housing tax projects of $285,000, $285,000, and $255,000, respectively, and for the six months ended June 30, 2024 and 2023, we recognized tax credits from our investment in affordable housing tax projects of $570,000 and $510,000, respectively. In addition, the Company recognized amortization expense related to these investments for the three months ended June 30, 2024, March 31, 2024, and June 30, 2023 of $301,000, $301,000, and $282,000, respectively, and for the six months ended June 30, 2024 and 2023 of $602,000 and $564,000, respectively, which was included within income tax expense on the consolidated statements of income. We had no impairment losses during each of the three months ended June 30, 2024, March 31, 2024, and June 30, 2023, or the six months ended June 30, 2024 and 2023.

Note 15 - Stock-based Compensation (Details Textual) - USD ($)

3 Months Ended

6 Months Ended

Mar. 20, 2024

May 17, 2017

Jun. 30, 2024

Mar. 31, 2024

Jun. 30, 2023

Jun. 30, 2024

Jun. 30, 2023

Dec. 31, 2023

Jan. 31, 2017

Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested in Period, Fair Value

$ 627,000

$ 529,000

Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Nonvested, Number of Shares (in shares)

27,333

107,671

27,333

107,671

Share-Based Compensation Arrangement by Share-Based Payment Award, Option, Nonvested, Weighted Average Exercise Price (in dollars per share)

$ 6.05

$ 5.08

$ 6.05

$ 5.08

Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period (in shares)

28,250

69,250

9,153

Proceeds from Stock Options Exercised

$ 458,000

$ 999,000

$ 159,000

Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Exercises in Period, Intrinsic Value

81,000

260,000

26,000

Share-Based Payment Arrangement, Option [Member]

Share-Based Payment Arrangement, Expense

14,000

$ 21,000

$ 66,000

35,000

130,000

Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount

$ 144,000

434,000

$ 144,000

434,000

Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)

2 years 9 months 18 days

Stock Options One [Member]

Share-Based Compensation Arrangement by Share-Based Payment Award, Option, Nonvested, Weighted Average Exercise Price (in dollars per share)

$ 18.11

Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Vested, Number of Shares (in shares)

33,337

Restricted Stock Units (RSUs) Not Including PRSUs [Member]

Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)

135,601

Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value (in dollars per share)

$ 18.28

Performance-based Restricted Stock Units [Member]

Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)

31,270

Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value (in dollars per share)

$ 17.75

$ 19.13

Share-Based Compensation Arrangement by Share-Based Payment Award, Expiration Period (Year)

3 years

Performance-based Restricted Stock Units [Member] | Estimate of Fair Value Measurement [Member]

Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value (in dollars per share)

$ 20.5

Time-based Restricted Stock Units [Member] | Minimum [Member]

Share-Based Compensation Arrangement by Share-Based Payment Award, Expiration Period (Year)

1 year

Time-based Restricted Stock Units [Member] | Maximum [Member]

Share-Based Compensation Arrangement by Share-Based Payment Award, Expiration Period (Year)

3 years

Restricted Stock Units (RSUs) [Member]

Share-Based Payment Arrangement, Expense

$ 371,000

$ 118,000

84,000

$ 489,000

335,000

Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Amount

$ 2,300,000

$ 506,000

$ 2,300,000

$ 506,000

Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)

2 years 3 months 18 days

Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)

^[1]

135,601

Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value (in dollars per share)

^[1]

$ 18.28

Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number (in shares)

142,908

43,160

Stock Option Plan 2010 [Member]

Share Based Compensation, Arrangement By Share Based Payment Award, Common Stock Reserved As Percentage Of Issued And Outstanding

30.00%

Common Stock, Capital Shares Reserved for Future Issuance (in shares)

3,494,478

Share-based Compensation Arrangement by Share-based Payment Award, Number of Additional Shares Authorized (in shares)

The 2017 Omnibus Stock Incentive Plan [Member]

Share Based Compensation, Arrangement By Share Based Payment Award, Common Stock Reserved As Percentage Of Issued And Outstanding

30.00%

Common Stock, Capital Shares Reserved for Future Issuance (in shares)

3,848,341

Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Available for Grant (in shares)

1,007,725

Share-Based Compensation Arrangement by Share-Based Payment Award, Percentage of Outstanding Stock Maximum

5.50%

[1]	Includes 31,270 PRSUs, of which half include a future performance criteria with a market condition with an estimated fair value of $20.50 and half include future performance financial metrics with a fair value of $17.75, the Company’s closing price on the date of grant.

Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended			6 Months Ended
Consolidated Statements of Income (Unaudited) - USD ($)	Jun. 30, 2024	Mar. 31, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest and dividend income:
Interest and fees on loans	$ 45,320,000	$ 45,547,000	$ 50,810,000	$ 90,867,000	$ 100,752,000
Interest on interest-earning deposits	3,353,000	5,040,000	2,112,000	8,393,000	2,903,000
Interest on investment securities	3,631,000	3,611,000	3,574,000	7,242,000	6,110,000
Dividend income on FHLB stock	327,000	331,000	259,000	658,000	524,000
Interest on federal funds sold and other	255,000	266,000	247,000	521,000	464,000
Total interest and dividend income	52,886,000	54,795,000	57,002,000	107,681,000	110,753,000
Interest expense:
Interest on savings deposits, NOW and money market accounts	4,953,000	4,478,000	2,778,000	9,431,000	5,074,000
Interest on time deposits	21,850,000	23,322,000	19,169,000	45,172,000	32,575,000
Interest on long-term debt and subordinated debentures	1,679,000	1,679,000	2,550,000	3,358,000	5,089,000
Interest on other borrowed funds	439,000	439,000	579,000	878,000	1,988,000
Total interest expense	28,921,000	29,918,000	25,076,000	58,839,000	44,726,000
Net interest income before provision for credit losses	23,965,000	24,877,000	31,926,000	48,842,000	66,027,000
Provision for credit losses	557,000	0	380,000	557,000	2,394,000
Net interest income after provision for credit losses	23,408,000	24,877,000	31,546,000	48,285,000	63,633,000
Noninterest income:
Service charges and fees	1,064,000	992,000	1,120,000	2,056,000	2,143,000
Gain on sale of loans	451,000	312,000	18,000	763,000	47,000
Loan servicing income, net of amortization	579,000	589,000	606,000	1,168,000	1,337,000
Increase in cash surrender value of life insurance	385,000	382,000	344,000	767,000	679,000
Gain on other real estate owned	292,000	724,000	0	1,016,000	0
Other income	717,000	373,000	405,000	1,090,000	649,000
Total noninterest income	3,488,000	3,372,000	2,493,000	6,860,000	4,855,000
Noninterest expense:
Salaries and employee benefits	9,533,000	9,927,000	9,327,000	19,460,000	19,191,000
Occupancy and equipment expenses	2,439,000	2,443,000	2,430,000	4,882,000	4,828,000
Data processing	1,466,000	1,420,000	1,356,000	2,886,000	2,655,000
Legal and professional	1,260,000	880,000	2,872,000	2,140,000	5,885,000
Office expenses	352,000	356,000	350,000	708,000	725,000
Marketing and business promotion	189,000	172,000	252,000	361,000	552,000
Insurance and regulatory assessments	981,000	982,000	809,000	1,963,000	1,313,000
Core deposit premium	201,000	201,000	235,000	402,000	472,000
Other expenses	703,000	588,000	886,000	1,291,000	1,807,000
Total noninterest expense	17,124,000	16,969,000	18,517,000	34,093,000	37,428,000
Net income before income taxes	9,772,000	11,280,000	15,522,000	21,052,000	31,060,000
Income tax expense	2,527,000	3,244,000	4,573,000	5,771,000	9,141,000
Net income	$ 7,245,000	$ 8,036,000	$ 10,949,000	$ 15,281,000	$ 21,919,000
Net income per share
Basic (in dollars per share)	$ 0.39	$ 0.43	$ 0.58	$ 0.83	$ 1.15
Diluted (in dollars per share)	$ 0.39	$ 0.43	$ 0.58	$ 0.82	$ 1.15
Weighted-average common shares outstanding
Basic (in shares)	18,375,970	18,601,277	18,993,483	18,488,623	18,989,686
Diluted (in shares)	18,406,897	18,651,702	18,995,100	18,529,299	19,022,242

Note 18 - Earnings Per Share (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]

	*For the Three Months Ended*
	*June 30, 2024*				*March 31, 2024*				*June 30, 2023*
	*Income*		*Shares*		*Income*		*Shares*		*Income*		*Shares*
	*(dollars in thousands except per share data)*
Net income	$	7,245			$	8,036			$	10,949
Shares outstanding				18,182,154				18,578,132				18,995,303
Impact of weighting shares				193,816				23,145				(1,820	)
Used in basic EPS		7,245		18,375,970		8,036		18,601,277		10,949		18,993,483
Dilutive effect of outstanding
Stock options				5,836				11,153				1,617
Restricted stock units				24,295				38,660				—
Performance stock units				796				612				—
Used in dilutive EPS	$	7,245		18,406,897	$	8,036		18,651,702	$	10,949		18,995,100

Basic earnings per common share	$	0.39			$	0.43			$	0.58
Diluted earnings per common share	$	0.39			$	0.43			$	0.58

	*For the Six Months Ended June 30,*
	*2024*				*2023*
	*Income*		*Shares*		*Income*		*Shares*
	*(dollars in thousands except per share data)*
Net income	$	15,281			$	21,919
Shares outstanding				18,182,154				18,995,303
Impact of weighting shares				306,469				(5,617	)
Used in basic EPS		15,281		18,488,623		21,919		18,989,686
Dilutive effect of outstanding
Stock options				8,495				25,578
Restricted stock units				31,477				6,978
Performance stock units				704				—
Used in dilutive EPS	$	15,281		18,529,299	$	21,919		19,022,242

Basic earnings per common share	$	0.83			$	1.15
Diluted earnings per common share	$	0.82			$	1.15

Note 6 - Goodwill and Intangible Assets - Maturity Schedule for Amortization Expense (Details) - Core Deposits [Member] $ in Thousands	Jun. 30, 2024 USD ($)
Remainder of 2024	$ 383
2025, amortization expense	672
2026, amortization expense	501
2027, amortization expense	417
2028, amortization expense	297
Thereafter, amortization expense	124
Total	$ 2,394

Note 4 - Loans and Allowance for Credit Losses - Schedule of Loans (Details) - USD ($)
$ in Thousands

Jun. 30, 2024

Mar. 31, 2024

Dec. 31, 2023

Jun. 30, 2023

Mar. 31, 2023

Dec. 31, 2022

^[1]

$ 3,047,712

$ 3,031,861

(41,741)

$ (41,688)

(41,903)

$ (43,092)

$ (43,071)

$ (41,076)

3,100,000

202,459

181,469

(1,352)

(1,311)

(1,219)

(2,448)

(2,391)

(2,638)

^[2]

1,190,207

1,167,857

(18,434)

(18,307)

(17,826)

(17,305)

(18,148)

(17,657)

1,467,802

1,487,796

(19,840)

(19,878)

(20,117)

(21,116)

(19,716)

(17,640)

126,649

130,096

(1,285)

(1,294)

(1,348)

(1,110)

(1,501)

(1,804)

50,323

52,074

(675)

(735)

(1,196)

(623)

(672)

(621)

Other Loans [Member]

10,272

12,569

Held for Investment Loans [Member]

(155)

$ (163)

(197)

$ (490)

$ (643)

$ (716)

^[3]

3,047,712

3,031,861

(41,741)

(41,903)