0001628280-26-071736 | 10-Q | XBRL Viewer

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RELATED PARTY TRANSACTIONS	9 Months Ended
RELATED PARTY TRANSACTIONS	Sep. 30, 2026
Related Party Transactions [Abstract]
RELATED PARTY TRANSACTIONS	RELATED PARTY TRANSACTIONS There were no loans or outstanding loan commitments to any principal officers or directors, or any of their affiliates at September 30, 2026 and December 31, 2025. Deposits from principal officers, directors, and their affiliates at September 30, 2026 and December 31, 2025 were $49.3 million and $73.0 million. Certain directors and their affiliates owned $4.0 million of RBB's subordinated notes as of September 30, 2026 and $6.0 million at December 31, 2025.

- Definition

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.

+ References

+ Details

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY – (UNAUDITED) (Parentheticals) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Statement of Stockholders' Equity [Abstract]
Cash dividends on common stock (in dollars per share)	$ 0.16	$ 0.16	$ 0.48	$ 0.48

BORROWING ARRANGEMENTS - Schedule of Borrowing Arrangements (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Aug. 27, 2026	Jul. 02, 2026	Jul. 01, 2026	Jun. 24, 2026	Jun. 15, 2026	Jun. 23, 2025	May 08, 2025
FHLB, Advances, Putable Option
Debt Instrument, Redemption [Line Items]
Amount	$ 160,000
FHLB, Advances
Debt Instrument, Redemption [Line Items]
Amount	$ 180,000
Rate	3.94%
Advance with No Call \| FHLB, Advances, Putable Option
Debt Instrument, Redemption [Line Items]
Amount							$ 10,000	$ 10,000
Rate							3.64%	3.69%
Advance With One Time Call, Three Month Lock Out \| FHLB, Advances, Putable Option
Debt Instrument, Redemption [Line Items]
Amount		$ 20,000
Rate		4.02%
Advance With One Time Call, Three Month Lock Out, Two \| FHLB, Advances, Putable Option
Debt Instrument, Redemption [Line Items]
Amount						$ 10,000
Rate						3.84%
Advance With One Time Call, Three Month Lock Out, Three \| FHLB, Advances, Putable Option
Debt Instrument, Redemption [Line Items]
Amount						$ 10,000
Rate						3.84%
Advance With One Time Call, Nine Month Lock Out \| FHLB, Advances, Putable Option
Debt Instrument, Redemption [Line Items]
Amount						$ 20,000
Rate						3.94%
Advance With One Time Call, Nine Month Lock Out, Two \| FHLB, Advances, Putable Option
Debt Instrument, Redemption [Line Items]
Amount					$ 20,000
Rate					3.97%
Advance With One Time Call, Nine Month Lock Out, Three \| FHLB, Advances, Putable Option
Debt Instrument, Redemption [Line Items]
Amount					$ 20,000
Rate					4.01%
Advance With One Time Call, One Year Lock Out \| FHLB, Advances, Putable Option
Debt Instrument, Redemption [Line Items]
Amount				$ 20,000
Rate				3.99%
Advance With Quarterly Call, Three Month Lock Out \| FHLB, Advances, Putable Option
Debt Instrument, Redemption [Line Items]
Amount		$ 20,000
Rate		3.96%
Advance With Quarterly Call, One Year Lock Out \| FHLB, Advances, Putable Option
Debt Instrument, Redemption [Line Items]
Amount			$ 20,000
Rate			4.10%

REPURCHASE OF COMMON STOCK (Details) - USD ($) $ / shares in Units, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2026	Jun. 15, 2026	May 29, 2025
2025 Repurchase Plan
Equity, Class of Treasury Stock [Line Items]
Share repurchase program, authorized, amount					$ 18.0
Common stock, shares repurchased (in shares)		163,500
2026 Repurchase Plan
Equity, Class of Treasury Stock [Line Items]
Common stock, shares repurchased (in shares)	168,768	17,076
Share repurchase program, authorized shares (in shares)				1,000,000
Stock repurchase program, remaining authorized shares (in shares)	814,156		814,156
2025 and 2026 Repurchase Plan
Equity, Class of Treasury Stock [Line Items]
Common stock, shares repurchased (in shares)			349,344
Weighted average share price (in dollars per share)			$ 25.48

- Definition

Number of shares that have been repurchased during the period and are being held in treasury.

+ References

+ Details

SUBSEQUENT EVENTS (Details) - $ / shares		3 Months Ended		9 Months Ended
SUBSEQUENT EVENTS (Details) - $ / shares	Oct. 19, 2026	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Subsequent Event [Line Items]
Dividends declared (in dollars per share)		$ 0.16	$ 0.16	$ 0.48	$ 0.48
Subsequent Event
Subsequent Event [Line Items]
Dividends declared (in dollars per share)	$ 0.16

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Loan Held for Investment ("HFI") Portfolio by Loan Segment and Class (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Jun. 30, 2026	Mar. 31, 2026	Dec. 31, 2025	Sep. 30, 2025	Jun. 30, 2025	Dec. 31, 2024
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans held for investment, excluding allowance for loan losses	$ 3,399,214			$ 3,314,301
Allowance for loan losses	(44,038)	$ (43,660)	$ (43,666)	(43,888)	$ (44,892)	$ (51,014)	$ (47,729)
Loans held for investment, net of allowance for loan losses	3,355,176			3,270,413
Single-family residential mortgages
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans held for investment, excluding allowance for loan losses	1,761,352			1,655,382
Allowance for loan losses	(21,770)	(21,766)	(21,988)	(21,585)	(21,843)	(19,106)	(17,518)
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans held for investment, excluding allowance for loan losses	1,280,028			1,303,019
Allowance for loan losses	(17,820)	(17,527)	(17,639)	(18,162)	(18,672)	(21,423)	(21,879)
Construction and land development
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans held for investment, excluding allowance for loan losses	154,620			155,464
Allowance for loan losses	(2,033)	(1,954)	(1,446)	(1,502)	(1,492)	(7,971)	(6,053)
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans held for investment, excluding allowance for loan losses	151,796			140,061
Allowance for loan losses	(1,619)	(1,593)	(1,672)	(1,647)	(1,883)	(1,493)	(1,339)
SBA
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans held for investment, excluding allowance for loan losses	48,525			55,978
Allowance for loan losses	(679)	(689)	(769)	(824)	(799)	(791)	(654)
Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans held for investment, excluding allowance for loan losses	2,893			4,397
Allowance for loan losses	(117)	$ (131)	$ (152)	(168)	$ (203)	$ (230)	$ (286)
Loans held for investment, net of allowance for loan losses
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans held for investment, excluding allowance for loan losses	3,399,214			3,314,301
Allowance for loan losses	(44,038)			(43,888)
Loans held for investment, net of allowance for loan losses	$ 3,355,176			$ 3,270,413

BORROWING ARRANGEMENTS (Tables)

9 Months Ended

Sep. 30, 2026

Debt Disclosure [Abstract]

Schedule of Borrowing Arrangements

The details of the FHLB term advances outstanding at September 30, 2026 are shown in Next Call Date order in the table below:


Advance Date	Amount		Rate		Call Structure	Next Call Date	Final Stated Maturity Date
	(dollars in thousands)
5/8/2025	$	10,000	3.69	%	N/A	N/A	5/10/2028
6/23/2025	10,000		3.64	%	N/A	N/A	6/23/2028
8/27/2026	20,000		4.02	%	One time call (1)	11/27/2026	8/27/2029
6/15/2026	10,000		3.84	%	One time call (2)	12/15/2026	6/15/2029
6/15/2026	10,000		3.84	%	One time call (2)	12/17/2026	6/17/2030
6/15/2026	20,000		3.94	%	One time call (3)	6/15/2027	6/15/2029
6/24/2026	20,000		3.97	%	One time call (3)	6/24/2027	6/24/2030
6/24/2026	20,000		4.01	%	One time call (3)	6/25/2027	6/25/2029
7/01/2026	20,000		3.99	%	One time call (3)	7/01/2027	7/01/2030
8/27/2026	20,000		3.96	%	Quarterly call (3)	8/27/2027	8/27/2030
7/02/2026	20,000		4.10	%	Quarterly call (4)	7/03/2028	7/03/2030
Total	$	180,000	3.94	%

(1)Call option by the FHLB after initial three month lock out.

(2)Call option by the FHLB after initial six month lock out.

(3)Call option by the FHLB after initial one year lock out.

(4)Call option by the FHLB after initial two year lock out.

INCOME TAXES (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
INCOME TAXES (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Income Tax Disclosure [Abstract]
Income tax expense	$ 4,181	$ 3,942	$ 3,114	$ 12,519	$ 7,613
Effective tax rate (as a percent)	24.90%	28.00%	23.50%	26.90%	25.90%

- Definition

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

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+ Details

INCOME TAXES	9 Months Ended
INCOME TAXES	Sep. 30, 2026
Income Tax Disclosure [Abstract]
INCOME TAXES	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 $4.2 million, $3.9 million and $3.1 million, reflecting an effective tax rate of 24.9%, 28.0%, and 23.5% for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $12.5 million and $7.6 million, reflecting an effective tax rate of 26.9% and 25.9% for the nine months ended September 30, 2026 and 2025. The Company’s income tax expense results from domestic (federal) and state tax obligations since the Company has no foreign operations or foreign taxes for all periods presented.

- Definition

The entire disclosure for income tax.

+ References

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+ Details

BUSINESS DESCRIPTION	9 Months Ended
BUSINESS DESCRIPTION	Sep. 30, 2026
Business Combination, Description [Abstract]
BUSINESS DESCRIPTION	BUSINESS DESCRIPTION RBB Bancorp (“RBB”) is a bank holding company registered under the Bank Holding Company Act of 1956, as amended. RBB’s principal business is to serve as the holding company for its wholly-owned subsidiaries, Royal Business Bank ("Bank") and RBB Asset Management Company (“RAM”), collectively referred to herein as “the Company”. RAM was formed in 2012 to hold and manage problem assets acquired in business combinations. There are no problem assets in RAM or activity in this subsidiary at and for the three and nine months ended September 30, 2026 or the year ended December 31, 2025. When we refer to “we”, “us”, “our”, or the “Company”, we are referring to RBB Bancorp and its consolidated subsidiaries including the Bank and RAM, collectively. When we refer to the “parent company”, “Bancorp”, or the “holding company”, we are referring to RBB Bancorp, the parent company, on a stand-alone basis. At September 30, 2026, we had total assets of $4.3 billion, total loans of $3.4 billion, total deposits of $3.4 billion and total shareholders' equity of $534.2 million. RBB’s common stock trades on the Nasdaq Global Select Market under the symbol “RBB”. The Bank provides business-banking products and services predominantly to Asian-centric communities through 24 full service branches located in Los Angeles County, Orange County and Ventura County in California, Las Vegas (Nevada), the New York City metropolitan area, Chicago (Illinois), Edison (New Jersey) and Honolulu (Hawaii) and a loan production office located in the San Francisco Bay area. The products and services include commercial and investor real estate loans, business loans and lines of credit, Small Business Administration (“SBA”) 7A and 504 loans, mortgage loans, trade finance and a full range of depository accounts, including specialized services such as remote deposit, E-banking, mobile banking and treasury management services. Our primary source of revenue is providing loans to customers, who are predominantly small and middle-market businesses and individuals. We operate as a minority depository institution (“MDI”), which is defined by the Federal Deposit Insurance Corporation (“FDIC”) as a federally insured depository institution where 51% or more of the voting stock is owned by minority individuals or a majority of the board of directors is minority and the community that the institution serves is predominantly minority. An MDI is eligible to receive support from the FDIC and other federal regulatory agencies such as training, technical assistance and review of proposed new deposit taking and lending programs, and the adoption of applicable policies and procedures governing such programs. We expect to continue to meet the criteria for MDI designation and intend to maintain our MDI designation, which has been historically beneficial to us. We continue to use the program for technical assistance. We generate our revenue primarily from interest received on loans and, to a lesser extent, from interest received on investment securities. We also derive income from noninterest sources, such as fees received in connection with various lending and deposit services, loan servicing, gain on sales of loans and wealth management services. Our principal expenses include interest expense on deposits and borrowings, and operating expenses, such as salaries and employee benefits, occupancy and equipment, data processing, and income tax expense.

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Narrative (Details) - USD ($)	3 Months Ended	9 Months Ended
	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable on loans		$ 14,600,000		$ 14,300,000
Nonaccrual, interest income		0	$ 0
Financing receivable, modified, commitment to lend		0		0
90 Days or More \| SBA
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans modified to borrowers experiencing financial difficulty		127,000
90 Days or More \| Construction and land development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans modified to borrowers experiencing financial difficulty	$ 28,200,000		$ 28,200,000
Single-family residential mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans in the process of foreclosure		153,000		680,000
FHLB, Secure Advances \| Asset Pledged as Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss		2,100,000,000		1,900,000,000
FHLB, San Francisco \| Asset Pledged as Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss		1,600,000,000		1,400,000,000
Federal Reserve Bank of San Francisco Secured Line of Credit \| Asset Pledged as Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, before allowance for credit loss		$ 86,000,000.0		$ 88,900,000

LEASES - Schedule of Future Minimum Rent Payments (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Leases [Abstract]
Remainder of 2026	$ 1,035
2027	6,152
2028	5,191
2029	3,041
2030	2,683
Thereafter	6,240
Total future minimum lease payments	24,342
Less: amount of payment representing interest	(1,829)
Total present value of lease payments	$ 22,513	$ 24,800

STOCK-BASED COMPENSATION - Schedule of Restricted Stock Units Activity (Details) - Restricted Stock Units (RSUs)	9 Months Ended
	Sep. 30, 2026 $ / shares shares
RSUs
Outstanding, beginning balance (in shares)	191,091
Grants (in shares)	104,925
Vested (in shares)	(76,861)
Forfeited/cancelled (in shares)	(2,145)
Outstanding, ending balance (in shares)	217,010
Weighted-Average Grant Date Fair Value Per Share
Outstanding, beginning balance (in dollars per share) \| $ / shares	$ 16.66
Granted (in dollars per share) \| $ / shares	23.71
Vested (in dollars per share) \| $ / shares	18.42
Forfeited/cancelled (in dollars per share) \| $ / shares	16.07
Outstanding, ending balance (in dollars per share) \| $ / shares	$ 19.45
Director
RSUs
Grants (in shares)	15,832

COMMITMENTS AND CONTINGENCIES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Mar. 31, 2026	Dec. 31, 2025	Jun. 30, 2025	Dec. 31, 2024
Other Commitments [Line Items]
Allowance for loan losses	$ 44,038	$ 43,660	$ 44,892	$ 44,038	$ 44,892	$ 43,666	$ 43,888	$ 51,014	$ 47,729
Provision for/(reversal of) credit losses	500	77	750	377	9,983
Reserve for unfunded loan commitments
Other Commitments [Line Items]
Allowance for loan losses	407	407	504	407	504	$ 484	484	$ 629	$ 729
Provision for/(reversal of) credit losses	0	$ (77)	$ (125)	(77)	$ (225)
Affordable Housing Partnerships and SBIC Funds
Other Commitments [Line Items]
Other commitment	$ 1,100			$ 1,100			$ 1,600

LEASES - Schedule of Operating Lease (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Leases [Abstract]
ROU assets	$ 20,754	$ 23,026
Lease liabilities	$ 22,513	$ 24,800
Weighted-average remaining lease term (in years)	5 years 6 months	5 years 11 months 15 days
Weighted-average discount rate	3.51%	2.97%

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	9 Months Ended
	Sep. 30, 2026
Accounting Policies [Abstract]
BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	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 and nine months ended September 30, 2026 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, 2025, included in our Annual Report on Form 10-K for the fiscal year ended December 31, 2025 (our “2025 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, and the valuation of goodwill 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, 2025, included in our 2025 Annual Report. The Financial Accounting Standards Board (“FASB”) issues Accounting Standards Updates (“ASU” or “Update”) to amend Accounting Standards Codification (“ASC”), which is the primary source of GAAP. We have not made any changes to our significant accounting policies from those disclosed in our 2025 Annual Report. Recent Accounting Pronouncements Accounting standards adopted in 2026 In November of 2025, the FASB issued ASU 2025-08, Financial Instruments-Credit Losses (Topic 326) – Purchased Loans. Under the guidance that currently exists in ASC Topic 326, purchased loans are initially recorded at fair value, and an allowance for expected credit losses is separately recognized in accordance with Topic 326. If a financial asset acquired has a “more-than-insignificant” deterioration of credit quality since its origination, it is accounted for as a purchased financial asset with credit deterioration ("PCD") using a “gross-up approach.” The gross-up approach requires recognition of an allowance for credit losses ("ACL") for the estimate of credit losses at the acquisition date. The ACL is recorded with an offsetting gross-up adjustment to the purchase price of the acquired financial asset. If a financial asset acquired does not have “more-than-insignificant” deterioration of credit quality since its origination ("non-PCD"), the ACL is recognized with a corresponding charge to credit loss expense. The amendments in this ASU expand the population of acquired financial assets subject to the gross-up approach in Topic 326. In accordance with the amendments in this ASU, loans acquired without credit deterioration and deemed “seasoned” are purchased seasoned loans and accounted for using the gross-up approach at acquisition. All non-PCD loans that are acquired in a business combination are deemed seasoned. Other non-PCD loans are seasoned if they were purchased at least 90 days after origination and the acquirer was not involved in the origination of the loans. The amendments in this ASU are effective for all entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods within those annual reporting periods. Early adoption is permitted. The amendments in this ASU should be applied prospectively to loans that are acquired on or after the initial application date. The Company early adopted this guidance, effective January 1, 2026. After adoption, the Company applied the gross-up approach to recording an ACL for purchased seasoned loans. The adoption had no material impact on the Company’s consolidated financial statements. Accounting standards recently issued and 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 the Company's consolidated financial statements. In November 2024, the FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40). ASU 2024-03 requires disaggregated disclosure of income statement expenses within the footnotes to the financial statements for any relevant expense caption presented on the face of the income statement within continuing operations into the following required natural expense categories, as applicable: (1) purchases of inventory, (2) employee compensation, (3) depreciation, (4) intangible asset amortization, and (5) depreciation, depletion and amortization recognized as part of oil- and gas-producing activities or other types of depletion services. ASU 2024-03 is effective for annual periods beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted. The guidance should be applied prospectively with an option to apply it retrospectively for each period presented. Adoption of ASU 2024-03 is not expected to have a material impact on the Company's consolidated financial statements. In December of 2025, the FASB issued ASU 2025-10, Government Grants (Topic 832) – Accounting for Government Grants Received by Business Entities. ASU 2025-10 creates authoritative guidance for business entities for the accounting for government grants. Prior to the issuance of this guidance, there was no specific authoritative guidance within GAAP regarding the recognition, measurement, and presentation of a government grant received by a business entity and, as a result, many entities used other sections of authoritative accounting literature by analogy to account for government grants that were received. The new guidance requires that a government grant received by a business entity should not be recognized until: (1) it is probable that (a) a business entity will comply with the conditions attached to the grant and (b) the grant will be received; and (2) a business entity meets the recognition guidance for a grant in ASC 832. The new guidance also establishes classification guidance for grants in the consolidated financial statements and prescribes disclosures of grants that include the nature of the government grant received, the accounting policies used to account for the grant, and significant terms and conditions of the grant. The amendments in this ASU are effective for annual reporting periods beginning after December 15, 2028, and interim reporting periods within those annual reporting periods. Early adoption is permitted. The amendments may be adopted using either a modified prospective, modified retrospective, or retrospective approach. Adoption of ASU 2025-10 is not expected to have a material impact on the Company’s consolidated financial statements. In December of 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270) – Narrow-Scope Improvements. The guidance in ASU 2025-11 was issued to improve the guidance in ASC by clarifying the required interim disclosures and when that guidance is applicable. The amendments add to Topic 270 a principle that requires entities to disclose events since the end of the last annual reporting period that have a material impact on the entity. The new guidance does not change the fundamental nature of interim reporting or expand or reduce current interim disclosure requirements but rather provides clarity on the current interim reporting requirements. The amendments in this ASU are effective for interim reporting periods within annual reporting periods beginning after December 15, 2027. Early adoption is permitted. The amendments in this ASU can be applied either (1) prospectively or (2) retrospectively to any or all prior periods presented in the financial statements. Adoption of ASU 2025-11 is not expected to have a material impact on the Company’s consolidated financial statements.

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Changes in the ACL (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended		12 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 43,660	$ 43,666	$ 51,014	$ 43,888	$ 47,729	$ 47,729
Provision for/(reversal of) credit losses	500	77	750	377	9,983
Charge-offs	(137)	(119)	(7,019)	(283)	(13,084)	(14,712)
Recoveries	15	36	147	56	264
Ending balance	44,038	43,660	44,892	44,038	44,892	43,888
Single-family residential mortgages
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	21,766	21,988	19,106	21,585	17,518	17,518
Provision for/(reversal of) credit losses	4	(222)	2,737	185	5,728
Charge-offs	0	0	0	0	(1,403)	(1,403)
Recoveries	0	0	0	0	0
Ending balance	21,770	21,766	21,843	21,770	21,843	21,585
Commercial real estate
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	17,527	17,639	21,423	18,162	21,879	21,879
Provision for/(reversal of) credit losses	293	(139)	(2,730)	(369)	89
Charge-offs	0	0	(21)	0	(3,296)	(4,679)
Recoveries	0	27	0	27	0
Ending balance	17,820	17,527	18,672	17,820	18,672	18,162
Construction and land development
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,954	1,446	7,971	1,502	6,053	6,053
Provision for/(reversal of) credit losses	79	508	312	531	3,476
Charge-offs	0	0	(6,929)	0	(8,175)	(8,175)
Recoveries	0	0	138	0	138
Ending balance	2,033	1,954	1,492	2,033	1,492	1,502
Commercial and industrial
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,593	1,672	1,493	1,647	1,339	1,339
Provision for/(reversal of) credit losses	132	23	393	183	550
Charge-offs	(107)	(102)	(4)	(213)	(85)	(88)
Recoveries	1	0	1	2	79
Ending balance	1,619	1,593	1,883	1,619	1,883	1,647
SBA
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	689	769	791	824	654	654
Provision for/(reversal of) credit losses	(11)	(80)	19	(144)	157
Charge-offs	0	0	(11)	(2)	(12)	(187)
Recoveries	1	0	0	1	0
Ending balance	679	689	799	679	799	824
Other
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	131	152	230	168	286	286
Provision for/(reversal of) credit losses	3	(13)	19	(9)	(17)
Charge-offs	(30)	(17)	(54)	(68)	(113)	(180)
Recoveries	13	9	8	26	47
Ending balance	117	131	203	117	203	168
Reserve for unfunded loan commitments
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	407	484	629	484	729	729
Provision for/(reversal of) credit losses	0	(77)	(125)	(77)	(225)
Charge-offs	0	0	0	0	0
Recoveries	0	0	0	0	0
Ending balance	407	407	504	407	504	484
Allowance for credit losses
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	44,067	44,150	51,643	44,372	48,458	48,458
Provision for/(reversal of) credit losses	500	0	625	300	9,758
Charge-offs	(137)	(119)	(7,019)	(283)	(13,084)
Recoveries	15	36	147	56	264
Ending balance	$ 44,445	$ 44,067	$ 45,396	$ 44,445	$ 45,396	$ 44,372

GOODWILL AND INTANGIBLES

9 Months Ended

Sep. 30, 2026

Intangible Asset, Goodwill and Other [Abstract]

GOODWILL AND INTANGIBLES

Goodwill is generally determined as the excess of the fair value of the consideration transferred, plus the fair value of any noncontrolling 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 October 1, 2025 and determined that no goodwill impairment existed. Goodwill totaled $71.5 million at both September 30, 2026 and December 31, 2025 and is the only intangible asset with an indefinite life on our consolidated balance sheets. There were no triggering events during 2026 that caused management to evaluate goodwill for impairment as of September 30, 2026.

Other intangible assets also include core deposit intangible (“CDI”) assets which arise from acquiring deposit bases through 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 (included in “Accrued interest and other assets” in the consolidated balance sheets) at September 30, 2026 and December 31, 2025 was $1.0 million and $1.3 million. CDI amortization expense was $126,000, $127,000, and $172,000 for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $387,000 and $516,000 for the nine months ended September 30, 2026 and 2025.

Estimated CDI amortization expense for future years is as follows:


As of September 30, 2026:	CDI Amortization Expense
	(dollars in thousands)
Remainder of 2026	$	114
2027	417
2028	297
2029	64
2030	33
Thereafter	26
Total	$	951

FAIR VALUE MEASUREMENTS AND FAIR VALUE OF FINANCIAL INSTRUMENTS - Schedule of Measurement Inputs and Valuation Techniques (Details) $ in Thousands	Sep. 30, 2026 USD ($)	Dec. 31, 2025 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 28,468	$ 36,074
Valuation, Market Approach \| Measurement Input, Adjustment \| Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 19,820	$ 8,830
Valuation, Market Approach \| Measurement Input, Adjustment \| Minimum \| Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other measurement input	0.06	(0.10)
Valuation, Market Approach \| Measurement Input, Adjustment \| Maximum \| Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other measurement input	0.26	0.21
Valuation, Market Approach \| Measurement Input, Adjustment \| Commercial real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 3,057	$ 3,071
Valuation, Market Approach \| Measurement Input, Adjustment \| Commercial real estate \| Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input	(0.41)	(0.41)
Valuation, Market Approach \| Measurement Input, Adjustment \| Commercial real estate \| Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input	0.04	0.04
Valuation, Market Approach \| Measurement Input, Adjustment \| Commercial and industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 4,708
Valuation, Market Approach \| Measurement Input, Adjustment \| Commercial and industrial \| Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input	(0.04)
Valuation, Market Approach \| Measurement Input, Adjustment \| Commercial and industrial \| Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input	0.26
Valuation, Market Approach \| Measurement Input, Adjustment \| Construction and land development
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		$ 19,465
Valuation, Market Approach \| Measurement Input, Adjustment \| Construction and land development \| Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input		0.09
Valuation, Market Approach \| Measurement Input, Adjustment \| Construction and land development \| Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input		0.23
Valuation, Market Approach \| Measurement Input, Adjustment \| SBA
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 883	$ 4,708
Valuation, Market Approach \| Measurement Input, Adjustment \| SBA \| Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input	0	(0.20)
Valuation, Market Approach \| Measurement Input, Adjustment \| SBA \| Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input	0.22	0.20

REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 30, 2026

Regulatory Assets and Liabilities Disclosure [Abstract]

Schedule of Bank’s Capital Amounts and Ratios and the Related Regulatory Requirements

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


					Amount of Capital Required

	Actual				Minimum Required for Capital Adequacy Purposes				To Be Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio (1)		Amount		Ratio
As of September 30, 2026:	(dollars in thousands)
Tier 1 Leverage Ratio
Consolidated	$	498,361	11.82	%	$	168,647	4.0	%	$	210,809	5.0	%
Bank	534,830		12.71	%	168,378		4.0	%	210,473		5.0	%
Common Equity Tier 1 Risk-Based Capital Ratio
Consolidated	$	483,289	17.87	%	$	121,682	4.5	%	$	175,763	6.5	%
Bank	534,830		19.84	%	121,318		4.5	%	175,237		6.5	%
Tier 1 Risk-Based Capital Ratio
Consolidated	$	498,361	18.43	%	$	162,243	6.0	%	$	216,324	8.0	%
Bank	534,830		19.84	%	161,757		6.0	%	215,676		8.0	%
Total Risk-Based Capital Ratio
Consolidated	$	596,293	22.05	%	$	216,324	8.0	%	$	270,405	10.0	%
Bank	568,662		21.09	%	215,676		8.0	%	269,595		10.0	%

(1)These ratios are exclusive of the 2.5% capital conservation buffer.


					Amount of Capital Required

	Actual				Minimum Required for Capital Adequacy Purposes				To Be Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio (1)		Amount		Ratio
As of December 31, 2025:	(dollars in thousands)
Tier 1 Leverage Ratio
Consolidated	$	479,047	11.60	%	$	165,193	4.0	%	$	206,491	5.0	%
Bank	544,296		13.20	%	164,965		4.0	%	206,206		5.0	%
Common Equity Tier 1 Risk Based Capital Ratio
Consolidated	$	464,133	17.49	%	$	119,388	4.5	%	$	172,450	6.5	%
Bank	544,296		20.57	%	119,075		4.5	%	171,998		6.5	%
Tier 1 Risk-Based Capital Ratio
Consolidated	$	479,047	18.06	%	$	159,184	6.0	%	$	212,246	8.0	%
Bank	544,296		20.57	%	158,767		6.0	%	211,690		8.0	%
Total Risk-Based Capital Ratio
Consolidated	$	632,260	23.83	%	$	212,246	8.0	%	$	265,307	10.0	%
Bank	577,512		21.82	%	211,690		8.0	%	264,612		10.0	%

(1)These ratios are exclusive of the 2.5% capital conservation buffer.

LEASES (Tables)

9 Months Ended

Sep. 30, 2026

Leases [Abstract]

Schedule of Future Minimum Rent Payments

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


	As of September 30, 2026
	(dollars in thousands)
Remainder of 2026	$	1,035
2027	6,152
2028	5,191
2029	3,041
2030	2,683
Thereafter	6,240
Total future minimum lease payments	$	24,342
Less: amount of payment representing interest	(1,829)
Total present value of lease payments	$	22,513

Schedule of Operating Lease

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:


	September 30, 2026			December 31, 2025
Operating Leases	(dollars in thousands)
ROU assets	$	20,754		$	23,026
Lease liabilities	22,513			24,800

Weighted-average remaining lease term (in years)	5.50			5.96
Weighted-average discount rate	3.51		%	2.97		%

Cover Page - shares	9 Months Ended
Cover Page - shares	Sep. 30, 2026	Nov. 02, 2026
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2026
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		16,712,787
Entity Registrant Name	RBB BANCORP
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2026
Current Fiscal Year End Date	--12-31
Entity Central Index Key	0001499422
Amendment Flag	false

BORROWING ARRANGEMENTS

9 Months Ended

Sep. 30, 2026

Debt Disclosure [Abstract]

BORROWING ARRANGEMENTS

The Bank has established secured and unsecured lines of credit. The Bank may borrow funds from time to time on a term or overnight basis from the FHLB, the FRBSF and other financial institutions as indicated below.

FHLB Secured Line of Credit and Advances. At September 30, 2026, the Bank had secured borrowing capacity with the FHLB of $1.6 billion collateralized by pledged residential and commercial loans with a carrying value of $2.1 billion. At September 30, 2026, the Bank had no overnight advances, $20.0 million in term advances, and $160.0 million of putable term advances. The weighted average rate of FHLB advances was 3.94% at September 30, 2026. The remaining secured borrowing capacity with the FHLB was $1.4 billion as of September 30, 2026.

The details of the FHLB term advances outstanding at September 30, 2026 are shown in Next Call Date order in the table below:


Advance Date	Amount		Rate		Call Structure	Next Call Date	Final Stated Maturity Date
	(dollars in thousands)
5/8/2025	$	10,000	3.69	%	N/A	N/A	5/10/2028
6/23/2025	10,000		3.64	%	N/A	N/A	6/23/2028
8/27/2026	20,000		4.02	%	One time call (1)	11/27/2026	8/27/2029
6/15/2026	10,000		3.84	%	One time call (2)	12/15/2026	6/15/2029
6/15/2026	10,000		3.84	%	One time call (2)	12/17/2026	6/17/2030
6/15/2026	20,000		3.94	%	One time call (3)	6/15/2027	6/15/2029
6/24/2026	20,000		3.97	%	One time call (3)	6/24/2027	6/24/2030
6/24/2026	20,000		4.01	%	One time call (3)	6/25/2027	6/25/2029
7/01/2026	20,000		3.99	%	One time call (3)	7/01/2027	7/01/2030
8/27/2026	20,000		3.96	%	Quarterly call (3)	8/27/2027	8/27/2030
7/02/2026	20,000		4.10	%	Quarterly call (4)	7/03/2028	7/03/2030
Total	$	180,000	3.94	%

(1)Call option by the FHLB after initial three month lock out.

(2)Call option by the FHLB after initial six month lock out.

(3)Call option by the FHLB after initial one year lock out.

(4)Call option by the FHLB after initial two year lock out.

FRB Secured Line of Credit. At September 30, 2026, the Bank had a secured borrowing capacity with the FRBSF of $68.5 million collateralized by pledged loans with a carrying value of $86.0 million.

Federal Funds Arrangements with Commercial Banks. At September 30, 2026, the Bank had established unsecured borrowing lines with other financial institutions totaling $97.0 million.

There were no amounts outstanding under any of the other borrowing arrangements above as of September 30, 2026, except the FHLB term advances of $180.0 million.

- Definition

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.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477657/942-210-S45-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478478/942-210-S50-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03(16))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 8
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480657/210-10-S50-8

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
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-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(19)(b))
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-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
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-Paragraph 1
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
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-Paragraph 1
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-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 9
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-URI https://asc.fasb.org/1943274/2147480657/210-10-S50-9

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Name Accounting Standards Codification
-Section 50
-Paragraph 8A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-8A

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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Reference 18: http://www.xbrl.org/2003/role/disclosureRef
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Reference 19: http://www.xbrl.org/2003/role/disclosureRef
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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
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Reference 21: http://www.xbrl.org/2003/role/disclosureRef
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Reference 22: http://www.xbrl.org/2003/role/disclosureRef
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Reference 23: http://www.xbrl.org/2003/role/disclosureRef
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Reference 24: http://fasb.org/us-gaap/role/ref/legacyRef
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Reference 25: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
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Reference 26: http://www.xbrl.org/2003/role/disclosureRef
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Reference 27: http://www.xbrl.org/2003/role/disclosureRef
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Reference 28: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1B

Reference 29: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1C

Reference 30: http://www.xbrl.org/2003/role/disclosureRef
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Reference 31: http://www.xbrl.org/2003/role/disclosureRef
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Reference 32: http://www.xbrl.org/2003/role/disclosureRef
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Reference 33: http://www.xbrl.org/2003/role/disclosureRef
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Reference 34: http://www.xbrl.org/2003/role/disclosureRef
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Reference 35: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147481139/470-20-50-1I

+ Details

INVESTMENT SECURITIES - Schedule of Fair Value and Gross Unrealized Losses of Our Investment Securities (Details) $ in Thousands	Sep. 30, 2026 USD ($)	Dec. 31, 2025 USD ($)
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Fair Value, AFS, Less than Twelve Months	$ 180,100	$ 45,653
Unrealized Losses, AFS, Less than Twelve Months	$ (5,901)	$ (255)
Number of Issuances, AFS, Less than Twelve Months	52	14
Fair Value, AFS, Twelve Months or More	$ 147,112	$ 171,760
Unrealized Losses, AFS, Twelve Months or More	$ (24,820)	$ (20,462)
Number of Issuances, AFS, Twelve Months or More	93	103
Fair Value, AFS, Total	$ 327,212	$ 217,413
Unrealized Losses, AFS, Total	$ (30,721)	$ (20,717)
Number of Issuances, AFS, Total	145	117
Fair Value, HTM, Less than Twelve Months	$ 1,521	$ 0
Unrealized Losses, HTM, Less than Twelve Months	$ (109)	$ 0
Number of Issuances, HTM, Less than Twelve Months	4	0
Fair Value, HTM, Twelve Months or More	$ 2,282	$ 3,663
Unrealized Losses, HTM, Twelve Months or More	$ (267)	$ (81)
Number of Issuances, HTM, Twelve Months or More	5	8
Fair Value, HTM, Total	$ 3,803	$ 3,663
Unrealized Losses, HTM, Total	$ (376)	$ (81)
Number of Issuances, HTM, Total	9	8
Government agency securities
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Fair Value, AFS, Less than Twelve Months	$ 9,883	$ 1,749
Unrealized Losses, AFS, Less than Twelve Months	$ (433)	$ (6)
Number of Issuances, AFS, Less than Twelve Months	3	1
Fair Value, AFS, Twelve Months or More	$ 4,497	$ 6,572
Unrealized Losses, AFS, Twelve Months or More	$ (128)	$ (173)
Number of Issuances, AFS, Twelve Months or More	2	3
Fair Value, AFS, Total	$ 14,380	$ 8,321
Unrealized Losses, AFS, Total	$ (561)	$ (179)
Number of Issuances, AFS, Total	5	4
SBA agency securities
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Fair Value, AFS, Less than Twelve Months	$ 14,129	$ 7,654
Unrealized Losses, AFS, Less than Twelve Months	$ (659)	$ (93)
Number of Issuances, AFS, Less than Twelve Months	5	3
Fair Value, AFS, Twelve Months or More	$ 2,541	$ 2,962
Unrealized Losses, AFS, Twelve Months or More	$ (256)	$ (143)
Number of Issuances, AFS, Twelve Months or More	5	5
Fair Value, AFS, Total	$ 16,670	$ 10,616
Unrealized Losses, AFS, Total	$ (915)	$ (236)
Number of Issuances, AFS, Total	10	8
MBS: Residential
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Fair Value, AFS, Less than Twelve Months	$ 63,072	$ 14,196
Unrealized Losses, AFS, Less than Twelve Months	$ (3,125)	$ (91)
Number of Issuances, AFS, Less than Twelve Months	19	4
Fair Value, AFS, Twelve Months or More	$ 23,502	$ 27,573
Unrealized Losses, AFS, Twelve Months or More	$ (5,607)	$ (4,414)
Number of Issuances, AFS, Twelve Months or More	15	15
Fair Value, AFS, Total	$ 86,574	$ 41,769
Unrealized Losses, AFS, Total	$ (8,732)	$ (4,505)
Number of Issuances, AFS, Total	34	19
MBS: Commercial
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Fair Value, AFS, Less than Twelve Months	$ 9,936	$ 4,977
Unrealized Losses, AFS, Less than Twelve Months	$ (67)	$ (33)
Number of Issuances, AFS, Less than Twelve Months	2	1
Fair Value, AFS, Twelve Months or More	$ 0	$ 0
Unrealized Losses, AFS, Twelve Months or More	$ 0	$ 0
Number of Issuances, AFS, Twelve Months or More	0	0
Fair Value, AFS, Total	$ 9,936	$ 4,977
Unrealized Losses, AFS, Total	$ (67)	$ (33)
Number of Issuances, AFS, Total	2	1
CMO: Residential
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Fair Value, AFS, Less than Twelve Months	$ 51,325	$ 3,130
Unrealized Losses, AFS, Less than Twelve Months	$ (1,517)	$ (1)
Number of Issuances, AFS, Less than Twelve Months	15	1
Fair Value, AFS, Twelve Months or More	$ 45,203	$ 53,195
Unrealized Losses, AFS, Twelve Months or More	$ (10,678)	$ (8,739)
Number of Issuances, AFS, Twelve Months or More	23	24
Fair Value, AFS, Total	$ 96,528	$ 56,325
Unrealized Losses, AFS, Total	$ (12,195)	$ (8,740)
Number of Issuances, AFS, Total	38	25
CMO: Commercial
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Fair Value, AFS, Less than Twelve Months	$ 4,106	$ 13,947
Unrealized Losses, AFS, Less than Twelve Months	$ (21)	$ (31)
Number of Issuances, AFS, Less than Twelve Months	1	4
Fair Value, AFS, Twelve Months or More	$ 47,376	$ 49,366
Unrealized Losses, AFS, Twelve Months or More	$ (2,515)	$ (2,130)
Number of Issuances, AFS, Twelve Months or More	21	21
Fair Value, AFS, Total	$ 51,482	$ 63,313
Unrealized Losses, AFS, Total	$ (2,536)	$ (2,161)
Number of Issuances, AFS, Total	22	25
Commercial paper
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Fair Value, AFS, Less than Twelve Months	$ 24,705
Unrealized Losses, AFS, Less than Twelve Months	$ (23)
Number of Issuances, AFS, Less than Twelve Months	4
Fair Value, AFS, Twelve Months or More	$ 0
Unrealized Losses, AFS, Twelve Months or More	$ 0
Number of Issuances, AFS, Twelve Months or More	0
Fair Value, AFS, Total	$ 24,705
Unrealized Losses, AFS, Total	$ (23)
Number of Issuances, AFS, Total	4
Corporate debt securities
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Fair Value, AFS, Less than Twelve Months	$ 2,944	$ 0
Unrealized Losses, AFS, Less than Twelve Months	$ (56)	$ 0
Number of Issuances, AFS, Less than Twelve Months	3	0
Fair Value, AFS, Twelve Months or More	$ 15,626	$ 22,577
Unrealized Losses, AFS, Twelve Months or More	$ (1,462)	$ (1,811)
Number of Issuances, AFS, Twelve Months or More	16	24
Fair Value, AFS, Total	$ 18,570	$ 22,577
Unrealized Losses, AFS, Total	$ (1,518)	$ (1,811)
Number of Issuances, AFS, Total	19	24
Municipal tax-exempt securities
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Fair Value, AFS, Less than Twelve Months	$ 0	$ 0
Unrealized Losses, AFS, Less than Twelve Months	$ 0	$ 0
Number of Issuances, AFS, Less than Twelve Months	0	0
Fair Value, AFS, Twelve Months or More	$ 8,367	$ 9,515
Unrealized Losses, AFS, Twelve Months or More	$ (4,174)	$ (3,052)
Number of Issuances, AFS, Twelve Months or More	11	11
Fair Value, AFS, Total	$ 8,367	$ 9,515
Unrealized Losses, AFS, Total	$ (4,174)	$ (3,052)
Number of Issuances, AFS, Total	11	11
Fair Value, HTM, Less than Twelve Months	$ 1,521	$ 0
Unrealized Losses, HTM, Less than Twelve Months	$ (109)	$ 0
Number of Issuances, HTM, Less than Twelve Months	4	0
Fair Value, HTM, Twelve Months or More	$ 2,282	$ 3,663
Unrealized Losses, HTM, Twelve Months or More	$ (267)	$ (81)
Number of Issuances, HTM, Twelve Months or More	5	8
Fair Value, HTM, Total	$ 3,803	$ 3,663
Unrealized Losses, HTM, Total	$ (376)	$ (81)
Number of Issuances, HTM, Total	9	8

GOODWILL AND INTANGIBLES (Tables)

9 Months Ended

Sep. 30, 2026

Intangible Asset, Goodwill and Other [Abstract]

Schedule of Estimated CDI Amortization Expense for Future Years

Estimated CDI amortization expense for future years is as follows:


As of September 30, 2026:	CDI Amortization Expense
	(dollars in thousands)
Remainder of 2026	$	114
2027	417
2028	297
2029	64
2030	33
Thereafter	26
Total	$	951

LOAN SERVICING

9 Months Ended

Sep. 30, 2026

Transfers and Servicing [Abstract]

LOAN SERVICING

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


Loans serviced for others:	September 30, 2026		December 31, 2025
	(dollars in thousands)
Single-family residential mortgage	$	746,083	$	833,704
SBA	96,642		90,364
Construction and land development	9,742		9,018
Commercial real estate	2,392		2,420

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 assets is net against loan servicing income. Loan servicing income, net of amortization, totaled $525,000, $533,000, and $564,000 for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $1.6 million and $1.7 million for the nine months ended September 30, 2026 and 2025.

When mortgage and SBA loans are sold with servicing retained, servicing assets are initially recorded at fair value with the income statement effect recorded in gains on sales of loans. Servicing assets are evaluated for impairment based upon the fair value of the assets 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
	September 30, 2026				June 30, 2026				September 30, 2025
	Mortgage Loans		SBA Loans		Mortgage Loans		SBA Loans		Mortgage Loans		SBA Loans
Servicing assets:	(dollars in thousands)
Beginning of period	$	4,537	$	1,327	$	4,567	$	1,267	$	5,183	$	1,299
Additions	18		10		174		101		37		13
Payoffs	(81)		—		(58)		(22)		(94)		(1)
Amortization	(148)		(19)		(146)		(19)		(151)		(34)
End of period	$	4,326	$	1,318	$	4,537	$	1,327	$	4,975	$	1,277


	Nine Months Ended
	September 30, 2026				September 30, 2025
	Mortgage Loans		SBA Loans		Mortgage Loans		SBA Loans
Servicing assets:	(dollars in thousands)
Beginning of period	$	4,761	$	1,280	$	5,656	$	1,329
Additions	229		159		66		90
Payoffs	(207)		(60)		(273)		(21)
Amortization	(457)		(61)		(474)		(121)
End of period	$	4,326	$	1,318	$	4,975	$	1,277

Fair value is estimated using a valuation model that calculates the present value of estimated future net servicing cash flows. All classes of servicing assets are subsequently measured using the amortization method, which requires servicing assets to be amortized into noninterest income in proportion to, and over the period of, the estimated future net

servicing income of the underlying loans. 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 fair value of servicing assets for mortgage loans was $9.8 million and $9.7 million as of September 30, 2026 and December 31, 2025. The fair value at September 30, 2026 was determined using an average discount rate of 10.03%, average prepayment speed of 7.72%, depending on the stratification of the specific right, and a weighted-average default rate of 0.10%. The fair value at December 31, 2025 was determined using an average discount rate of 10.09%, average prepayment speed of 7.93%, depending on the stratification of the specific right, and a weighted-average default rate of 0.11%.

The fair value of servicing assets for SBA loans was $1.9 million and $1.8 million as of September 30, 2026 and December 31, 2025. The fair value at September 30, 2026 was determined using an average discount rate of 8.5%, average prepayment speed of 25%, depending on the stratification of the specific right, and a weighted-average default rate of 1.26%. The fair value at December 31, 2025 was determined using an average discount rate of 8.5%, average prepayment speed of 27%, depending on the stratification of the specific right, and a weighted-average default rate of 1.13%.

FAIR VALUE MEASUREMENTS AND FAIR VALUE OF FINANCIAL INSTRUMENTS

9 Months Ended

Sep. 30, 2026

Fair Value Disclosures [Abstract]

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 hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). 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).

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 (included in “Accrued interest and other assets” in the consolidated balance sheets) is initially recorded at fair value less estimated selling costs at the date of transfer. This amount becomes the property's new basis. Fair values are generally based on third party appraisals of the property and discounted by management to reflect estimated selling costs (Level 3).

Appraisals for OREO 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. We review 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 consider the actual selling price of collateral that has been sold in recent periods to determine what additional adjustments, if any, should be made to the appraisal values to arrive at fair value. In determining the net realizable value of the underlying collateral for individually evaluated loans and OREO, we typically apply a discount of 6% to 10% of the collateral value to cover market price fluctuations and estimated selling costs that may be incurred in the event of foreclosure. Generally, if the existing appraisal is older than twelve months for OREO or collateral-dependent loans, a new appraisal report is ordered.

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


	Fair Value Measurements Using:
September 30, 2026	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	$	—	$	18,176	$	—	$	18,176
SBA agency securities	—		18,531		—		18,531
Mortgage-backed securities	—		96,510		—		96,510
Collateralized mortgage obligations	—		176,970		—		176,970
Commercial paper	—		39,699		—		39,699
Corporate debt securities	—		23,091		—		23,091


Municipal securities	—		8,367		—		8,367

	$	—	$	381,344	$	—	$	381,344
On a non-recurring basis:
Collateral dependent individually evaluated loans:

Commercial real estate loans	$	—	$	—	$	3,057	$	3,057

Commercial and industrial loans	—		—		4,708		4,708
SBA loans	—		—		883		883

Other real estate owned (1)	—		—		19,820		19,820
	$	—	$	—	$	28,468	$	28,468

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


December 31, 2025	Level 1		Level 2		Level 3		Total
Assets measured at fair value:
On a recurring basis:
Securities available for sale:
Government agency securities	$	—	$	22,705	$	—	$	22,705
SBA agency securities	—		21,180		—		21,180
Mortgage-backed securities	—		92,155		—		92,155
Collateralized mortgage obligations	—		213,272		—		213,272
Commercial paper	—		19,948		—		19,948
Corporate debt securities	—		28,429		—		28,429
Municipal securities	—		9,515		—		9,515
Forward mortgage loan sale contracts (1)	—		—		11		11
	$	—	$	407,204	$	11	$	407,215
On a non-recurring basis:
Collateral dependent individually evaluated loans:

Commercial real estate loans	$	—	$	—	$	3,071	$	3,071
Construction and land development loans	—		—		19,465		19,465
Commercial and industrial loans	—		—		4,708		4,708


Other real estate owned (1)	—		—		8,830		8,830
	$	—	$	—	$	36,074	$	36,074

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

The fair value of assets evaluated on a non-recurring basis is based on third party appraisals, including adjustments to comparable market data as summarized in the table below.

September 30, 2026

Fair Value

Valuation Techniques

Unobservable Input(s)

Range (1)

Collateral dependent loans:

(dollars in thousands)

Commercial real estate loans

3,057

Market approach

Adjustments

(41)% to 4%

Commercial and industrial loans

4,708

Market approach

Adjustments

(4)% to 26%

SBA loans

883

Market approach

Adjustments

0% to 22%

Other Real Estate Owned (2)

19,820

Market approach

Adjustments

6% to 26%

Total

28,468

(1)Represents the minimum and maximum range of adjustments made by appraisers for differences in comparable sales.

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

December 31, 2025

Fair Value

Valuation Techniques

Unobservable Input(s)

Range (1)

Collateral dependent loans:

(dollars in thousands)

Commercial real estate loans

3,071

Market approach

Adjustments

(41)% to 4%

Construction and land development loans

19,465

Market approach

Adjustments

9% to 23%

Commercial and industrial loans

4,708

Market approach

Adjustments

(20)% to 20%

Other Real Estate Owned(2)

8,830

Market approach

Adjustments

(10)% to 21%

Total

36,074

(1)Represents the minimum and maximum range of adjustments made by appraisers for differences in comparable sales.

(2)Included in "Accrued interest and other assets" on the consolidated balance sheets.

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


		September 30, 2026				December 31, 2025
	Fair Value Hierarchy	Carrying Value		Fair Value		Carrying Value		Fair Value
Financial Assets:	(dollars in thousands)
Cash and cash equivalents	Level 1	$	190,290	$	190,290	$	212,317	$	212,317
Interest-earning deposits in other financial institutions	Level 1	600		600		600		600
Investment securities – AFS	Level 2	381,344		381,344		407,204		407,204
Investment securities – HTM	Level 2	4,179		3,803		4,184		4,103
Loans held for sale	Level 2	—		—		2,067		2,067
Loans, net	Level 3	3,355,176		3,304,069		3,270,413		3,221,797
Equity securities (1)	Level 3	36,133		36,133		26,086		26,086
Investment in FHLB stock	Level 2	15,000		15,000		15,000		15,000
Servicing assets (1)	Level 3	5,644		11,644		6,041		11,521
Accrued interest receivable (1)	Level 1/2/3	16,608		16,608		16,230		16,230

		Notional		Fair		Notional		Fair
		Value		Value		Value		Value
Derivative Assets:
Forward mortgage loan sale contracts (1)	Level 3	$	—	$	—	$	515	$	11

		Carrying		Fair		Carrying		Fair
Financial Liabilities:		Value		Value		Value		Value
Deposits	Level 2	$	3,395,280	$	3,391,247	$	3,350,398	$	3,350,982
FHLB advances	Level 3	180,000		173,992		130,000		129,198
Long-term debt	Level 3	80,000		79,663		119,911		114,691
Subordinated debentures	Level 3	15,538		15,308		15,375		15,227
Accrued interest payable (2)	Level 2/3	5,460		5,460		7,960		7,960

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

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

- Definition

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.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
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-Paragraph 107
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-URI https://asc.fasb.org/1943274/2147482078/820-10-55-107

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
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-Paragraph 100
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Section 50
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-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (h)
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (e)
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Section 50
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-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
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-Paragraph 2
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 940
-SubTopic 820
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

LOAN SERVICING - Narrative (Details) $ in Thousands	3 Months Ended			9 Months Ended
LOAN SERVICING - Narrative (Details) $ in Thousands	Sep. 30, 2026 USD ($)	Jun. 30, 2026 USD ($)	Sep. 30, 2025 USD ($)	Sep. 30, 2026 USD ($)	Sep. 30, 2025 USD ($)	Dec. 31, 2025 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Loan servicing income, net of amortization	$ 525	$ 533	$ 564	$ 1,562	$ 1,693
Servicing asset	5,644			5,644		$ 6,041
Mortgage Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Servicing asset	$ 9,800			$ 9,800		$ 9,700
Mortgage Loans \| Discount rate
Financing Receivable, Allowance for Credit Loss [Line Items]
Servicing asset, measurement input (as a percent)	0.1003			0.1003		0.1009
Mortgage Loans \| Prepayment speed
Financing Receivable, Allowance for Credit Loss [Line Items]
Servicing asset, measurement input (as a percent)	0.0772			0.0772		0.0793
Mortgage Loans \| Default rate
Financing Receivable, Allowance for Credit Loss [Line Items]
Servicing asset, measurement input (as a percent)	0.0010			0.0010		0.0011
SBA
Financing Receivable, Allowance for Credit Loss [Line Items]
Servicing asset	$ 1,900			$ 1,900		$ 1,800
SBA \| Discount rate
Financing Receivable, Allowance for Credit Loss [Line Items]
Servicing asset, measurement input (as a percent)	0.085			0.085		0.085
SBA \| Prepayment speed
Financing Receivable, Allowance for Credit Loss [Line Items]
Servicing asset, measurement input (as a percent)	0.25			0.25		0.27
SBA \| Default rate
Financing Receivable, Allowance for Credit Loss [Line Items]
Servicing asset, measurement input (as a percent)	0.0126			0.0126		0.0113

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Subparagraph (b)
-Publisher FASB
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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 4: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section 50
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Name Regulation S-K (SK)
-Number 229
-Section 1405
-Paragraph c
-Publisher SEC

+ Details

COMMITMENTS AND CONTINGENCIES (Tables)

9 Months Ended

Sep. 30, 2026

Commitments and Contingencies Disclosure [Abstract]

Schedule of Financial Commitments Represents Credit Risk

We had the following financial commitments whose contractual amount represents credit risk, as of the dates indicated:


	September 30, 2026		December 31, 2025
	(dollars in thousands)
Commitments to make loans	$	48,174	$	41,635
Unused lines of credit	57,266		64,513
Commercial and similar letters of credit	169		2,389
Standby letters of credit	4,405		5,025
Total	$	110,014	$	113,562

ACCRUED INTEREST AND OTHER ASSETS - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Interest Receivable and Other Assets [Abstract]
CRA and other equity investments	$ 36,133			$ 36,133		$ 26,086
Other real estate owned ("OREO")	19,820			19,820		8,830
Loans transferred to held for sale, net	19,800			54,995	$ 31,911
Net gain on OREO				669	0
LIHTC investments	15,237			15,237		16,997
Unfunded commitments	7,300			7,300		$ 10,000
Tax credits from LIHTC investments	520	$ 520	$ 456	1,600	1,400
Amortization of investment in affordable housing tax credits	$ 586	587	572	1,759	1,524
Impairment losses		$ 0	$ 0	$ 0	$ 0

DEPOSITS - Schedule of Maturities of Time Deposits (Details) $ in Thousands	Sep. 30, 2026 USD ($)
Deposit Liability [Line Items]
Remainder of 2026	$ 723,752
2027	872,501
2028	3,692
2029	449
Time Deposit Maturities, After Year Four	381
Time deposits	1,600,775
Under FDIC Limit of $250,000
Deposit Liability [Line Items]
Remainder of 2026	317,137
2027	434,815
2028	2,727
2029	449
Time Deposit Maturities, After Year Four	381
Time deposits	755,509
Greater than FDIC Limit of $250,000
Deposit Liability [Line Items]
Remainder of 2026	406,615
2027	437,686
2028	965
2029	0
Time Deposit Maturities, After Year Four	0
Time deposits	$ 845,266

CONSOLIDATED STATEMENTS OF CASH FLOWS – (UNAUDITED) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025
Operating activities
Net income	$ 34,077	$ 21,771
Adjustments to reconcile net income to net cash from operating activities:
Depreciation and amortization of premises and equipment	1,361	1,400
Net accretion of securities, loans, deposits, and other	(2,147)	(2,679)
Amortization of investment in affordable housing tax credits	1,759	1,524
Amortization of intangible assets	1,172	1,405
Amortization of right-of-use asset	3,910	3,831
Change in operating lease liabilities	(3,925)	(3,727)
Provision for credit losses	300	9,758
Stock-based compensation, net	1,375	1,450
Deferred tax expense	1,714	1,243
Gain on sale of loans	(1,377)	(699)
Gain on OREO	(669)	0
Gain on sale of fixed assets	(2,658)	(42)
Increase in cash surrender value of life insurance	(1,318)	(1,241)
Loans originated for sale, net	(4,859)	(6,460)
Proceeds from loans sold	21,100	14,444
Other items	(8,916)	(10,432)
Net cash provided by operating activities	40,899	31,546
Investing activities
Purchases	(145,356)	(216,805)
Maturities, repayments and calls	161,047	236,976
Securities held to maturity:
Maturities, repayments and calls	0	1,000
Purchase of other equity securities, net	(10,047)	(188)
Net increase of investment in qualified affordable housing projects	(2,772)	(1,836)
Net increase in loans	(158,911)	(305,571)
Proceeds from sales of loans originally classified as HFI	42,198	35,120
Proceeds from sales of OREO	5,569	7,526
Proceeds from sales of fixed assets	7,407	42
Other investing activities, net	(353)	(641)
Net cash used in investing activities	(101,218)	(244,377)
Financing activities
Net increase in demand deposits and savings accounts	311,668	46,139
Net (decrease) increase in time deposits	(266,832)	236,456
Proceeds from FHLB advances	200,000	170,000
Repayments of FHLB advances	(150,000)	(240,000)
Redemptions of long-term debt	(40,000)	0
Cash dividends paid	(8,261)	(8,502)
Restricted stock units vesting	(466)	(265)
Common stock repurchased, net of repurchase costs	(8,962)	(13,983)
Exercise of stock options	1,145	171
Net cash provided by financing activities	38,292	190,016
Net decrease in cash and cash equivalents	(22,027)	(22,815)
Cash and cash equivalents at beginning of period	212,317	257,745
Cash and cash equivalents at end of period	190,290	234,930
Supplemental disclosure of cash flow information
Interest paid	83,374	80,351
Taxes paid	5,069	5,163
Non-cash investing and financing activities:
Transfer from loans to other real estate owned	19,391	12,666
Loans transferred to held for sale, net	54,995	31,911
Additions to servicing assets	388	156
Recognition of operating lease right-of-use assets	(1,638)	(88)
Recognition of operating lease liabilities	$ 1,638	$ 88

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Investment in Past Due Loans HFI, by Loan Segment and Class (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Financing Receivable, Past Due [Line Items]
Loans HFI	$ 3,399,214	$ 3,314,301
Nonaccrual Loans	18,835	44,632
Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	1,280,028	1,303,019
Nonaccrual Loans	3,057	8,158
Single-family residential mortgages \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	1,761,352	1,655,382
Nonaccrual Loans	896	2,143
Commercial real estate \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	1,280,028	1,303,019
Nonaccrual Loans	3,057	8,158
Construction and land development \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	154,620	155,464
Nonaccrual Loans	7,841	27,994
Commercial and industrial \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	151,796	140,061
Nonaccrual Loans	5,109	5,116
SBA agency securities \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	48,525	55,978
Nonaccrual Loans	1,932	1,221
Other \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	2,893	4,397
Nonaccrual Loans	0	0
30-59 Days
Financing Receivable, Past Due [Line Items]
Loans HFI	4,544	6,714
30-59 Days \| Single-family residential mortgages \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	2,293	5,140
30-59 Days \| Commercial real estate \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	2,136	284
30-59 Days \| Construction and land development \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	0	0
30-59 Days \| Commercial and industrial \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	2	1,277
30-59 Days \| SBA agency securities \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	91	0
30-59 Days \| Other \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	22	13
60-89 Days
Financing Receivable, Past Due [Line Items]
Loans HFI	2,685	2,075
60-89 Days \| Single-family residential mortgages \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	2,057	1,321
60-89 Days \| Commercial real estate \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	194	204
60-89 Days \| Construction and land development \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	0	0
60-89 Days \| Commercial and industrial \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	27	0
60-89 Days \| SBA agency securities \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	407	542
60-89 Days \| Other \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	0	8
90 Days or More
Financing Receivable, Past Due [Line Items]
Loans HFI	0	0
90 Days or More \| Single-family residential mortgages \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	0	0
90 Days or More \| Commercial real estate \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	0	0
90 Days or More \| Construction and land development \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	0	0
90 Days or More \| Commercial and industrial \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	0	0
90 Days or More \| SBA agency securities \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	0	0
90 Days or More \| Other \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	0	0
Total Past Due
Financing Receivable, Past Due [Line Items]
Loans HFI	7,229	8,789
Total Past Due \| Single-family residential mortgages \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	4,350	6,461
Total Past Due \| Commercial real estate \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	2,330	488
Total Past Due \| Construction and land development \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	0	0
Total Past Due \| Commercial and industrial \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	29	1,277
Total Past Due \| SBA agency securities \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	498	542
Total Past Due \| Other \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	22	21
Current
Financing Receivable, Past Due [Line Items]
Loans HFI	3,373,150	3,260,880
Current \| Single-family residential mortgages \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	1,756,106	1,646,778
Current \| Commercial real estate \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	1,274,641	1,294,373
Current \| Construction and land development \| Real estate:
Financing Receivable, Past Due [Line Items]
Loans HFI	146,779	127,470
Current \| Commercial and industrial \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	146,658	133,668
Current \| SBA agency securities \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	46,095	54,215
Current \| Other \| Commercial:
Financing Receivable, Past Due [Line Items]
Loans HFI	$ 2,871	$ 4,376

ACCRUED INTEREST AND OTHER ASSETS - Schedule of Accrued Interest Receivable and Other Assets (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Offsetting Assets [Line Items]
CRA and other equity investments	$ 36,133	$ 26,086
Other real estate owned ("OREO")	19,820	8,830
Accrued interest receivable	16,608	16,230
LIHTC investments	15,237	16,997
Servicing assets	5,644	6,041
Prepaid assets	3,265	2,915
Other assets	2,629	4,206
Total accrued interest and other assets	100,287	82,643
Core deposits
Offsetting Assets [Line Items]
Core deposit intangibles	$ 951	$ 1,338

SUBORDINATED DEBENTURES (Tables)

9 Months Ended

Sep. 30, 2026

Subordinated Borrowings [Abstract]

Schedule of Subordinated Debentures

These subordinated debentures consist of the following at September 30, 2026 and are described in detail after the table below:


	Issue Date	Principal Amount		Unamortized Valuation Reserve		Recorded Value		Stated Rate Description	Effective Stated Rate		Stated Maturity
Subordinated debentures:	(dollars in thousands)
TFC Trust	12/22/2006	$	5,155	$	941	$	4,214	Three-month CME Term SOFR plus 0.26% plus 1.65%	5.81	%	3/15/2037
FAIC Trust	12/15/2004	7,217		630		6,587		Three-month CME Term SOFR plus 0.26% plus 2.25%	6.41	%	12/15/2034
PGBH Trust	12/15/2004	5,155		418		4,737		Three-month CME Term SOFR plus 0.26% plus 2.10%	6.26	%	12/15/2034
Total		$	17,527	$	1,989	$	15,538

SEGMENT INFORMATION (Tables)

9 Months Ended

Sep. 30, 2026

Segment Reporting [Abstract]

Schedule of Segment Information

Segment performance is evaluated using consolidated net income, total assets, total loans, and total deposits. The following table presents information reported internally for performance assessment by the CODM for the dates indicated:


	For the Three Months Ended						For the Nine Months Ended September 30,
	September 30, 2026		June 30, 2026		September 30, 2025		2026		2025
Banking Segment	(dollars in thousands)
Interest and dividend income	$	59,307	$	57,159	$	57,392	$	173,269	$	163,933

Reconciliation of revenue
Other revenues	5,105		3,018		3,293		12,374		14,066
Total consolidated revenues	$	64,412	$	60,177	$	60,685	$	185,643	$	177,999

Less:
Interest expense	27,546		27,073		28,115		80,919		81,159
Segment net interest income and noninterest income	$	36,866	$	33,104	$	32,570	$	104,724	$	96,840
Less:
Provision for credit losses	500		—		625		300		9,758
Salaries and benefits expense	11,467		11,045		10,600		33,773		32,323
Other segment items (1)	8,081		7,977		8,083		24,055		25,375
Income tax expense	4,181		3,942		3,114		12,519		7,613
Consolidated net income	$	12,637	$	10,140	$	10,148	$	34,077	$	21,771

Total Assets	$	4,251,296	$	4,275,002	$	4,208,455	$	4,251,296	$	4,208,455
Total Loans	$	3,399,214	$	3,309,459	$	3,303,333	$	3,399,214	$	3,303,333
Total Deposits	$	3,395,280	$	3,390,641	$	3,366,497	$	3,395,280	$	3,366,497

(1)Other segment items include expenses for occupancy and equipment, data processing, legal and professional, office, marketing and business promotion, insurance and regulatory assessments, core deposit intangible amortization and other expenses.

- Definition

Tabular disclosure of segment reporting. Includes, but is not limited to, reconciliation of reportable segment amount to corresponding consolidated total.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-31

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-34

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26C
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26C

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26B

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26A

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-15

+ Details

EARNINGS PER SHARE - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Earnings Per Share [Abstract]
Net income	$ 12,637	$ 10,140	$ 10,148	$ 34,077	$ 21,771
Shares outstanding (in shares)	16,827,168	16,985,919	17,043,897	16,827,168	17,043,897
Impact of weighting shares (in shares)	83,284	25,705	181,805	167,548	520,938
Used in basic EPS	$ 12,637	$ 10,140	$ 10,148	$ 34,077	$ 21,771
Basic (in shares)	16,910,452	17,011,624	17,225,702	16,994,716	17,564,835
Dilutive effect of outstanding stock options & RSUs (in shares)	117,234	130,118	75,925	119,397	56,764
Used in dilutive EPS	$ 12,637	$ 10,140	$ 10,148	$ 34,077	$ 21,771
Used in dilutive EPS (in shares)	17,027,686	17,141,742	17,301,627	17,114,113	17,621,599
Basic earnings per common share (in dollars per share)	$ 0.75	$ 0.60	$ 0.59	$ 2.01	$ 1.24
Diluted earnings per common share (in dollars per share)	$ 0.74	$ 0.59	$ 0.59	$ 1.99	$ 1.24

INVESTMENT SECURITIES - Schedule of Amortized Cost and Fair Value of Investment Securities Available for Sale Securities and Held to Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost	$ 411,901	$ 426,145
Gross Unrealized Gains	164	1,776
Gross Unrealized Losses	(30,721)	(20,717)
Fair Value	381,344	407,204
Amortized Cost	4,179	4,184
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(376)	(81)
Fair Value	3,803	4,103
Government agency securities
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost	18,725	22,850
Gross Unrealized Gains	12	34
Gross Unrealized Losses	(561)	(179)
Fair Value	18,176	22,705
SBA agency securities
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost	19,437	21,326
Gross Unrealized Gains	9	90
Gross Unrealized Losses	(915)	(236)
Fair Value	18,531	21,180
MBS: Residential
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost	95,306	91,049
Gross Unrealized Gains	0	634
Gross Unrealized Losses	(8,732)	(4,505)
Fair Value	86,574	87,178
MBS: Commercial
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost	10,003	5,010
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(67)	(33)
Fair Value	9,936	4,977
CMO: Residential
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost	114,623	120,475
Gross Unrealized Gains	13	760
Gross Unrealized Losses	(12,195)	(8,740)
Fair Value	102,441	112,495
CMO: Commercial
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost	76,949	102,755
Gross Unrealized Gains	116	183
Gross Unrealized Losses	(2,536)	(2,161)
Fair Value	74,529	100,777
Commercial paper
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost	39,722	19,948
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(23)	0
Fair Value	39,699	19,948
Corporate debt securities
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost	24,595	30,165
Gross Unrealized Gains	14	75
Gross Unrealized Losses	(1,518)	(1,811)
Fair Value	23,091	28,429
Municipal tax-exempt securities
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost	12,541	12,567
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(4,174)	(3,052)
Fair Value	8,367	9,515
Amortized Cost	4,179	4,184
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(376)	(81)
Fair Value	$ 3,803	$ 4,103

STOCK-BASED COMPENSATION - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025	May 17, 2017
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Fair value of the options vested				$ 0	$ 63
Number of fair value unvested shares (in shares)	12,000			12,000		12,000
Weighted average grant date fair value (in dollars per share)	$ 6.16			$ 6.16		$ 6.16
Exercise of stock options				$ 1,145	171
Intrinsic value				416	1
Stock Options
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Compensation expense	$ 9	$ 9	$ 9	28	35
Unrecognized stock-based compensation expense	45			$ 45
Cost not yet recognized, period for recognition (in years)				10 months 24 days
Time-based Restricted Stock Units \| Minimum
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Expiration period (in years)				1 year
Time-based Restricted Stock Units \| Maximum
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Expiration period (in years)				4 years
Performance-based Restricted Stock Units
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Expiration period (in years)				3 years
Grants (in shares)				10,675
Granted (in dollars per share)				$ 24.08
Restricted Stock Units (RSUs)
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Compensation expense	391	$ 478	$ 262	$ 1,100	$ 1,000
Unrecognized stock-based compensation expense	$ 3,200			$ 3,200
Cost not yet recognized, period for recognition (in years)				2 years 6 months
Grants (in shares)				104,925
Granted (in dollars per share)				$ 23.71
The 2017 Omnibus Stock Incentive Plan
Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]
Common stock reserved of issued and outstanding (as a percent)							30.00%
Common stock, capital shares reserved for future issuance (in shares)							3,848,341
Number of shares available for grant (in shares)	778,136			778,136
Percentage of outstanding stock maximum				4.60%

REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)

9 Months Ended

Sep. 30, 2026

Revenue from Contract with Customer [Abstract]

Schedule of Disaggregation of Revenue

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 Nine Months Ended September 30,
	September 30, 2026		June 30, 2026		September 30, 2025		2026		2025
Noninterest income, in scope	(dollars in thousands)
Fees and service charges on deposit accounts	$	485	$	505	$	497	$	1,471	$	1,446
Other fees (1)	193		169		225		871		642
Other income (2)	625		599		602		1,775		1,730
(Loss)/gain on OREO	—		(221)		—		669		—
Total in-scope noninterest income	1,303		1,052		1,324		4,786		3,818
Noninterest income, not in scope (3)	3,802		1,966		1,969		7,588		10,248
Total noninterest income	$	5,105	$	3,018	$	3,293	$	12,374	$	14,066

_______________________________

(1)Other fees consist primarily of wealth management fees, miscellaneous loan fees and postage/courier fees.

(2)Other income consists primarily of safe deposit box rental income, wire transfer fees, and interchange fees.

(3)Noninterest income outside the scope of ASC 606 consists primarily of net loan servicing income, letter of credit commissions, BOLI income, gains on sales of loans, other income from equity investments, recoveries on loans acquired in a business combination, a $2.7 million gain on building sale in the third quarter of 2026 and other grant income including the Employee Retention Credit of $5.2 million received in the second quarter of 2025.

EARNINGS PER SHARE - Narrative (Details) - shares	3 Months Ended			9 Months Ended
EARNINGS PER SHARE - Narrative (Details) - shares	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Stock Options
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	0	12,000	34,000	13,231	82,247
Restricted Stock Units (RSUs)
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)	8,226	0	2,300	2,772	6,786

BORROWING ARRANGEMENTS - Narrative (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Other Financial Institutions
Debt Instrument, Redemption [Line Items]
Secured borrowing capacity	$ 97,000
FHLB, Advances, Term
Debt Instrument, Redemption [Line Items]
Amount	20,000
FHLB, Advances, Putable Option
Debt Instrument, Redemption [Line Items]
Amount	160,000
FHLB, Advances
Debt Instrument, Redemption [Line Items]
Amount	$ 180,000
Weighted average rate (as a percent)	3.94%
FHLB, Overnight Advances
Debt Instrument, Redemption [Line Items]
Amount	$ 0
FHLB, Secure Advances
Debt Instrument, Redemption [Line Items]
Secured borrowing capacity	1,600,000
Remaining secured borrowing capacity	1,400,000
FHLB, Secure Advances \| Asset Pledged as Collateral
Debt Instrument, Redemption [Line Items]
Financing receivable, before allowance for credit loss	2,100,000	$ 1,900,000
FRB Secured Line of Credit
Debt Instrument, Redemption [Line Items]
Secured borrowing capacity	68,500
FRB Secured Line of Credit \| Asset Pledged as Collateral
Debt Instrument, Redemption [Line Items]
Financing receivable, before allowance for credit loss	$ 86,000

LOAN SERVICING - Schedule of Amortization of Mortgage Servicing Rights Netted Against Loan Servicing Fee Income (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Mortgage Loans
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Beginning of period	$ 4,537	$ 4,567	$ 5,183	$ 4,761	$ 5,656
Additions	18	174	37	229	66
Payoffs	(81)	(58)	(94)	(207)	(273)
Amortization	(148)	(146)	(151)	(457)	(474)
End of period	4,326	4,537	4,975	4,326	4,975
SBA
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Beginning of period	1,327	1,267	1,299	1,280	1,329
Additions	10	101	13	159	90
Payoffs	0	(22)	(1)	(60)	(21)
Amortization	(19)	(19)	(34)	(61)	(121)
End of period	$ 1,318	$ 1,327	$ 1,277	$ 1,318	$ 1,277

CONSOLIDATED BALANCE SHEETS (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Statement of Financial Position [Abstract]
Available-for sale, amortized cost	$ 411,901	$ 426,145
Fair Value	$ 3,803	$ 4,103
Preferred stock, shares authorized (in shares)	100,000,000	100,000,000
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares issued (in shares)	16,827,168	17,057,397
Common stock, shares outstanding (in shares)	16,827,168	17,057,397

ACCRUED INTEREST AND OTHER ASSETS

9 Months Ended

Sep. 30, 2026

Interest Receivable and Other Assets [Abstract]

ACCRUED INTEREST AND OTHER ASSETS

The following table presents the detail of our accrued interest receivable and other assets as of the dates indicated:


	As of September 30, 2026		As of December 31, 2025
	(dollars in thousands)
CRA and other equity investments	$	36,133	$	26,086
Other real estate owned ("OREO")	19,820		8,830
Accrued interest receivable	16,608		16,230
LIHTC investments	15,237		16,997
Servicing assets (1)	5,644		6,041
Prepaid assets	3,265		2,915
Core deposit intangibles (2)	951		1,338
Other assets	2,629		4,206
Total accrued interest and other assets	$	100,287	$	82,643

(1)See Note 5 - Loan Servicing for additional information.

(2)See Note 6 - Goodwill and Intangibles for additional information.

CRA and other equity investments

The Company has several Community Reinvestment Act ("CRA") equity investments, other bank stocks, and other equity investments which totaled $36.1 million and $26.1 million as of September 30, 2026 and December 31, 2025. We may receive recurring interest and dividend income on these investments (included in "Interest and dividend income" in the consolidated statements of income). We may also receive capital gain distributions (included in "Other income" in the consolidated statements of income"). There were no significant gains or losses on these investments during the three and nine months ended September 30, 2026 and 2025. On a quarterly basis, we review our equity investments for impairment. No impairments were recorded during the three and nine months ended September 30, 2026 and 2025.

Other Real Estate Owned ("OREO")

The balance of OREO increased to $19.8 million at September 30, 2026, compared to $8.8 million at December 31, 2025. One nonperforming construction loan was transferred to OREO in the second quarter of 2026 and has a carrying value of $19.8 million at September 30, 2026. The OREO properties at December 31, 2025 were sold in 2026 and resulted in net gains of $669,000 for the nine months ended September 30, 2026.

Low-Income Housing Tax Credit investments ("LIHTC")

The Bank invests as a limited partner in LIHTC investments that operate qualified affordable housing projects which generate tax benefits, including federal low-income housing tax credits. These investments are accounted for under the proportional amortization method and totaled $15.2 million and $17.0 million at September 30, 2026 and December 31, 2025. Total unfunded commitments related to these investments totaled $7.3 million at September 30, 2026 and $10.0 million at December 31, 2025 and are included in accrued interest and other liabilities on the consolidated balance sheets. We expect to fulfill these commitments between 2026 and 2041.

We recognized tax credits from LIHTC investments totaling $520,000, $520,000, and $456,000 during the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $1.6 million and $1.4 million during the nine months ended September 30, 2026 and 2025. The amortization of these investments was included within income tax expense as an offset to such tax credits. We recognized amortization expense of $586,000, $587,000, and $572,000 during the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $1.8 million and $1.5 million during the nine months ended September 30, 2026 and 2025. We had no impairment losses during each of the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, or the nine months ended September 30, 2026 and 2025.

FAIR VALUE MEASUREMENTS AND FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)

9 Months Ended

Sep. 30, 2026

Fair Value Disclosures [Abstract]

Schedule of Financial Assets and Liabilities Measured at Fair Value


	Fair Value Measurements Using:
September 30, 2026	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	$	—	$	18,176	$	—	$	18,176
SBA agency securities	—		18,531		—		18,531
Mortgage-backed securities	—		96,510		—		96,510
Collateralized mortgage obligations	—		176,970		—		176,970
Commercial paper	—		39,699		—		39,699
Corporate debt securities	—		23,091		—		23,091


Municipal securities	—		8,367		—		8,367

	$	—	$	381,344	$	—	$	381,344
On a non-recurring basis:
Collateral dependent individually evaluated loans:

Commercial real estate loans	$	—	$	—	$	3,057	$	3,057

Commercial and industrial loans	—		—		4,708		4,708
SBA loans	—		—		883		883

Other real estate owned (1)	—		—		19,820		19,820
	$	—	$	—	$	28,468	$	28,468

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


December 31, 2025	Level 1		Level 2		Level 3		Total
Assets measured at fair value:
On a recurring basis:
Securities available for sale:
Government agency securities	$	—	$	22,705	$	—	$	22,705
SBA agency securities	—		21,180		—		21,180
Mortgage-backed securities	—		92,155		—		92,155
Collateralized mortgage obligations	—		213,272		—		213,272
Commercial paper	—		19,948		—		19,948
Corporate debt securities	—		28,429		—		28,429
Municipal securities	—		9,515		—		9,515
Forward mortgage loan sale contracts (1)	—		—		11		11
	$	—	$	407,204	$	11	$	407,215
On a non-recurring basis:
Collateral dependent individually evaluated loans:

Commercial real estate loans	$	—	$	—	$	3,071	$	3,071
Construction and land development loans	—		—		19,465		19,465
Commercial and industrial loans	—		—		4,708		4,708


Other real estate owned (1)	—		—		8,830		8,830
	$	—	$	—	$	36,074	$	36,074

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

Schedule of Measurement Inputs and Valuation Techniques

September 30, 2026

Fair Value

Valuation Techniques

Unobservable Input(s)

Range (1)

Collateral dependent loans:

(dollars in thousands)

Commercial real estate loans

3,057

Market approach

Adjustments

(41)% to 4%

Commercial and industrial loans

4,708

Market approach

Adjustments

(4)% to 26%

SBA loans

883

Market approach

Adjustments

0% to 22%

Other Real Estate Owned (2)

19,820

Market approach

Adjustments

6% to 26%

Total

28,468

(1)Represents the minimum and maximum range of adjustments made by appraisers for differences in comparable sales.

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

December 31, 2025

Fair Value

Valuation Techniques

Unobservable Input(s)

Range (1)

Collateral dependent loans:

(dollars in thousands)

Commercial real estate loans

3,071

Market approach

Adjustments

(41)% to 4%

Construction and land development loans

19,465

Market approach

Adjustments

9% to 23%

Commercial and industrial loans

4,708

Market approach

Adjustments

(20)% to 20%

Other Real Estate Owned(2)

8,830

Market approach

Adjustments

(10)% to 21%

Total

36,074

(1)Represents the minimum and maximum range of adjustments made by appraisers for differences in comparable sales.

(2)Included in "Accrued interest and other assets" on the consolidated balance sheets.

Schedule of Fair Value Hierarchy Level and Estimated Fair Value of Significant Financial Instruments


		September 30, 2026				December 31, 2025
	Fair Value Hierarchy	Carrying Value		Fair Value		Carrying Value		Fair Value
Financial Assets:	(dollars in thousands)
Cash and cash equivalents	Level 1	$	190,290	$	190,290	$	212,317	$	212,317
Interest-earning deposits in other financial institutions	Level 1	600		600		600		600
Investment securities – AFS	Level 2	381,344		381,344		407,204		407,204
Investment securities – HTM	Level 2	4,179		3,803		4,184		4,103
Loans held for sale	Level 2	—		—		2,067		2,067
Loans, net	Level 3	3,355,176		3,304,069		3,270,413		3,221,797
Equity securities (1)	Level 3	36,133		36,133		26,086		26,086
Investment in FHLB stock	Level 2	15,000		15,000		15,000		15,000
Servicing assets (1)	Level 3	5,644		11,644		6,041		11,521
Accrued interest receivable (1)	Level 1/2/3	16,608		16,608		16,230		16,230

		Notional		Fair		Notional		Fair
		Value		Value		Value		Value
Derivative Assets:
Forward mortgage loan sale contracts (1)	Level 3	$	—	$	—	$	515	$	11

		Carrying		Fair		Carrying		Fair
Financial Liabilities:		Value		Value		Value		Value
Deposits	Level 2	$	3,395,280	$	3,391,247	$	3,350,398	$	3,350,982
FHLB advances	Level 3	180,000		173,992		130,000		129,198
Long-term debt	Level 3	80,000		79,663		119,911		114,691
Subordinated debentures	Level 3	15,538		15,308		15,375		15,227
Accrued interest payable (2)	Level 2/3	5,460		5,460		7,960		7,960

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

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

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Loans HFI on Nonaccrual Status (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual Loans with no ALL	$ 18,835	$ 41,275
Nonaccrual Loans	18,835	44,632
Single-family residential mortgages
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual Loans with no ALL	896	2,143
Nonaccrual Loans	896	2,143
Commercial real estate
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual Loans with no ALL	3,057	4,801
Nonaccrual Loans	3,057	8,158
Construction and land development
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual Loans with no ALL	7,841	27,994
Nonaccrual Loans	7,841	27,994
Commercial and industrial
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual Loans with no ALL	5,109	5,116
Nonaccrual Loans	5,109	5,116
SBA
Financing Receivable, Nonaccrual [Line Items]
Nonaccrual Loans with no ALL	1,932	1,221
Nonaccrual Loans	$ 1,932	$ 1,221

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 6: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
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-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (a)(1)
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-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (d)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 9: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (d)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 10: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (d)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 11: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (d)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 12: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 13: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (c)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 14: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 15: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
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-Section 55
-Paragraph 12
-Subparagraph (e)(2)
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Reference 16: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
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Reference 17: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
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-Section 55
-Paragraph 12
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-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 18: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
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-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 19: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
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-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (b)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

+ Details

REPURCHASE OF COMMON STOCK	9 Months Ended
REPURCHASE OF COMMON STOCK	Sep. 30, 2026
Equity [Abstract]
REPURCHASE OF COMMON STOCK	REPURCHASE OF COMMON STOCK On May 29, 2025, the Board of Directors authorized the repurchase of up to $18.0 million of common stock (the "2025 Repurchase Plan") through June 30, 2026. During the three months ended June 30, 2026, the Company repurchased 163,500 shares of common stock under the 2025 Repurchase Plan. These repurchases effectively exhausted the 2025 Repurchase Plan which expired on June 30, 2026. On June 15, 2026, the Board of Directors authorized the repurchase of up to 1 million shares of the Company's outstanding common stock (the "2026 Repurchase Plan") through June 30, 2028. During the three months ended June 30, 2026, the Company repurchased 17,076 shares of common stock under the 2026 Repurchase Plan. During the three months ended September 30, 2026, the Company repurchased 168,768 shares of common stock under the 2026 Repurchase Plan. The 2026 Repurchase Plan has 814,156 shares available for repurchase as of September 30, 2026. The Company repurchased 349,344 shares at a weighted average share price of $25.48 during the nine months ended September 30, 2026 under both the 2025 Repurchase Plan and the 2026 Repurchase Plan.

LONG-TERM DEBT	9 Months Ended
LONG-TERM DEBT	Sep. 30, 2026
Debt Disclosure [Abstract]
LONG-TERM DEBT	LONG-TERM DEBT At September 30, 2026, the Company's long-term debt consisted of $80.0 million of fixed-to-floating rate subordinated notes, with an April 1, 2031 maturity date (the "Notes"). The interest rate was fixed at 4.00% through March 31, 2026, and now resets quarterly to a rate of three-month Secured Overnight Financing Rate ("SOFR") plus 329 basis points starting April 1, 2026. The rate was set at 6.98% as of April 1, 2026, 7.02% as of July 1, 2026, and 7.39% as of October 1, 2026. The Notes may be included in Tier 2 capital with certain limitations applicable under current regulatory guidelines, and such amount is discounted as the Notes approach maturity. The amount of the Notes included in Tier 2 capital was $64.0 million at September 30, 2026, and $120.0 million at December 31, 2025. The Notes became redeemable at par beginning April 1, 2026, and on July 1, 2026, the Company redeemed $40.0 million at par plus accrued interest. We recognized interest expense on the Notes of $1.4 million, $2.1 million, and $1.2 million for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $4.8 million and $3.6 million for the nine months ended September 30, 2026 and 2025. We also recorded debt issuance cost amortization expense of $0, $0 and $96,000 for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $89,000 and $286,000 for the nine months ended September 30, 2026 and 2025. We were in compliance with all covenants for the Notes as of September 30, 2026.

ACCRUED INTEREST AND OTHER ASSETS (Tables)

9 Months Ended

Sep. 30, 2026

Interest Receivable and Other Assets [Abstract]

Schedule of Accrued Interest Receivable and Other Assets

The following table presents the detail of our accrued interest receivable and other assets as of the dates indicated:


	As of September 30, 2026		As of December 31, 2025
	(dollars in thousands)
CRA and other equity investments	$	36,133	$	26,086
Other real estate owned ("OREO")	19,820		8,830
Accrued interest receivable	16,608		16,230
LIHTC investments	15,237		16,997
Servicing assets (1)	5,644		6,041
Prepaid assets	3,265		2,915
Core deposit intangibles (2)	951		1,338
Other assets	2,629		4,206
Total accrued interest and other assets	$	100,287	$	82,643

(1)See Note 5 - Loan Servicing for additional information.

(2)See Note 6 - Goodwill and Intangibles for additional information.

LONG-TERM DEBT (Details) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended			9 Months Ended
LONG-TERM DEBT (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Oct. 01, 2026	Jul. 01, 2026	Apr. 01, 2026	Mar. 31, 2026	Dec. 31, 2025
Debt Instrument [Line Items]
Interest expense		$ 1,400	$ 2,100	$ 1,200	$ 4,800	$ 3,600
Amortization of debt issuance cost		0	$ 0	$ 96	89	$ 286
4.00% Fixed To Floating Rate Subordinated Debentures due 2031
Debt Instrument [Line Items]
Aggregate principal amount		80,000			80,000
Debt instrument, fixed interest rate (as a percent)								7.02%	6.98%	4.00%
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]	Secured Overnight Financing Rate (SOFR)
Debt instrument, basis point	3.29%
Tier 2 Capital		$ 64,000			$ 64,000						$ 120,000
Debt instrument, repurchase face amount								$ 40,000
4.00% Fixed To Floating Rate Subordinated Debentures due 2031 \| Subsequent Event
Debt Instrument [Line Items]
Debt instrument, fixed interest rate (as a percent)							7.39%

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY – (UNAUDITED) - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Non- Controlling Interest	Accumulated Other Comprehensive (Loss)/Income, net
Beginning balance (in shares) at Dec. 31, 2024		17,720,416
Beginning balance at Dec. 31, 2024	$ 507,877	$ 259,957	$ 3,645	$ 264,460	$ 72	$ (20,257)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	21,771			21,771
Stock-based compensation, net	1,450		1,450
Restricted stock units vested (in shares)		60,430
Restricted stock units vested	(265)	$ 1,033	(1,298)
Cash dividends on common stock	(8,502)			(8,502)
Stock options exercised (in shares)		10,000
Stock options exercised	171	$ 234	(63)
Repurchase of common stock (in shares)		(746,949)
Repurchase of common stock	(13,983)	$ (10,862)		(3,121)
Other comprehensive income (loss), net of taxes	5,816					5,816
Ending balance (in shares) at Sep. 30, 2025		17,043,897
Ending balance at Sep. 30, 2025	514,335	$ 250,362	3,734	274,608	72	(14,441)
Beginning balance (in shares) at Jun. 30, 2025		17,699,091
Beginning balance at Jun. 30, 2025	517,653	$ 259,863	3,579	270,152	72	(16,013)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	10,148			10,148
Stock-based compensation, net	270		270
Restricted stock units vested (in shares)		4,024
Restricted stock units vested	(41)	$ 74	(115)
Cash dividends on common stock	(2,783)			(2,783)
Stock options exercised (in shares)		0
Stock options exercised	0	$ 0
Repurchase of common stock (in shares)		(659,218)
Repurchase of common stock	(12,484)	$ (9,575)		(2,909)
Other comprehensive income (loss), net of taxes	1,572					1,572
Ending balance (in shares) at Sep. 30, 2025		17,043,897
Ending balance at Sep. 30, 2025	$ 514,335	$ 250,362	3,734	274,608	72	(14,441)
Beginning balance (in shares) at Dec. 31, 2025	17,057,397	17,057,397
Beginning balance at Dec. 31, 2025	$ 523,410	$ 250,694	3,941	282,024	72	(13,321)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	34,077			34,077
Stock-based compensation, net	1,375		1,375
Restricted stock units vested (in shares)		56,615
Restricted stock units vested	(466)	$ 1,318	(1,784)
Cash dividends on common stock	$ (8,261)			(8,261)
Stock options exercised (in shares)	62,500	62,500
Stock options exercised	$ 1,145	$ 1,478	(333)
Repurchase of common stock (in shares)		(349,344)
Repurchase of common stock	(8,962)	$ (5,116)		(3,846)
Other comprehensive income (loss), net of taxes	$ (8,075)					(8,075)
Ending balance (in shares) at Sep. 30, 2026	16,827,168	16,827,168
Ending balance at Sep. 30, 2026	$ 534,243	$ 248,374	3,199	303,994	72	(21,396)
Beginning balance (in shares) at Jun. 30, 2026		16,985,919
Beginning balance at Jun. 30, 2026	535,177	$ 250,590	3,004	296,119	72	(14,608)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	12,637			12,637
Stock-based compensation, net	401		401
Restricted stock units vested (in shares)		4,017
Restricted stock units vested	(61)	$ 107	(168)
Cash dividends on common stock	(2,741)			(2,741)
Stock options exercised (in shares)		6,000
Stock options exercised	110	$ 148	(38)
Repurchase of common stock (in shares)		(168,768)
Repurchase of common stock	(4,492)	$ (2,471)		(2,021)
Other comprehensive income (loss), net of taxes	$ (6,788)					(6,788)
Ending balance (in shares) at Sep. 30, 2026	16,827,168	16,827,168
Ending balance at Sep. 30, 2026	$ 534,243	$ 248,374	$ 3,199	$ 303,994	$ 72	$ (21,396)

REVENUE FROM CONTRACTS WITH CUSTOMERS

9 Months Ended

Sep. 30, 2026

Revenue from Contract with Customer [Abstract]

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 Nine Months Ended September 30,
	September 30, 2026		June 30, 2026		September 30, 2025		2026		2025
Noninterest income, in scope	(dollars in thousands)
Fees and service charges on deposit accounts	$	485	$	505	$	497	$	1,471	$	1,446
Other fees (1)	193		169		225		871		642
Other income (2)	625		599		602		1,775		1,730
(Loss)/gain on OREO	—		(221)		—		669		—
Total in-scope noninterest income	1,303		1,052		1,324		4,786		3,818
Noninterest income, not in scope (3)	3,802		1,966		1,969		7,588		10,248
Total noninterest income	$	5,105	$	3,018	$	3,293	$	12,374	$	14,066

_______________________________

(1)Other fees consist primarily of wealth management fees, miscellaneous loan fees and postage/courier fees.

(2)Other income consists primarily of safe deposit box rental income, wire transfer fees, and interchange fees.

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 Service Charges on Deposit Accounts

Fees and service charges on deposit accounts include charges for analysis, overdraft, cashier's check fees, ATM, and safe deposit activities executed by our deposit clients. 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. Periodic service charges are generally collected monthly directly from the customer’s deposit account, and at the end of a statement cycle, while transaction based service charges are typically collected at the time of or soon after the service is performed.

Wealth Management Fees

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. 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 commission fees we earn are variable and are generally received monthly. We recognize revenue for the services performed based on actual transaction details received from the broker dealer we engage.

Gain/(loss) on 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. When we finance the sale of OREO to a buyer, we assess whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the OREO asset is derecognized and the gain or loss on sale is recorded upon transfer of control of the property to the buyer. In determining the gain or loss on the sale, we adjust the transaction price and related gain or loss on sale if a significant financing component is present. Periodic valuation gains or losses based on the changes in the value of the OREO after repossession are also recorded in (loss)/gain on OREO.

- Definition

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.

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+ Details

STOCK-BASED COMPENSATION (Tables)

9 Months Ended

Sep. 30, 2026

Share-Based Payment Arrangement [Abstract]

Schedule of Stock Options Awards and Activity


	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	151,000	$	18.37

Exercised	(62,500)	18.32
Forfeited/cancelled	(2,000)	18.32
Outstanding at end of period	86,500	$	18.42	4.51	$	659

Options exercisable	74,500	$	17.97	4.23	$	600

Schedule of Restricted Stock Units Activity

The following table presents RSUs activity during the nine months ended September 30, 2026.


	RSUs	Weighted-Average Grant Date Fair Value Per Share
Outstanding at beginning of year	191,091	$	16.66
Granted (1)	104,925	23.71
Vested (1)	(76,861)	18.42
Forfeited/cancelled	(2,145)	16.07
Outstanding at end of period	217,010	$	19.45

(1)Includes 15,832 RSUs awarded to members of the Board of Directors, which immediately vested.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME – (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Statement of Comprehensive Income [Abstract]
Net income	$ 12,637	$ 10,140	$ 10,148	$ 34,077	$ 21,771
Other comprehensive (loss)/income:
Unrealized (loss)/gain on securities available for sale	(9,695)	(464)	2,571	(11,616)	8,693
Related income tax effect	2,907	139	(999)	3,541	(2,877)
Total other comprehensive (loss)/income	(6,788)	(325)	1,572	(8,075)	5,816
Total comprehensive income	$ 5,849	$ 9,815	$ 11,720	$ 26,002	$ 27,587

- Definition

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.

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

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The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.

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-URI https://asc.fasb.org/1943274/2147481175/810-10-55-4K

Reference 45: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A

Reference 46: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B

Reference 47: http://www.xbrl.org/2003/role/disclosureRef
-Topic 810
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A

Reference 48: http://www.xbrl.org/2003/role/disclosureRef
-Topic 810
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481203/810-10-50-1A

Reference 49: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 65
-Paragraph 4
-Subparagraph (f)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481538/470-20-65-4

+ Details

COMMITMENTS AND CONTINGENCIES

9 Months Ended

Sep. 30, 2026

Commitments and Contingencies Disclosure [Abstract]

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 varying degrees 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.

We had the following financial commitments whose contractual amount represents credit risk, as of the dates indicated:


	September 30, 2026		December 31, 2025
	(dollars in thousands)
Commitments to make loans	$	48,174	$	41,635
Unused lines of credit	57,266		64,513
Commercial and similar letters of credit	169		2,389
Standby letters of credit	4,405		5,025
Total	$	110,014	$	113,562

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 commitments in accordance with ASC 326, which we refer to as the reserve for unfunded loan commitments ("RUC"). We use the loss rate and exposure at default framework to estimate a RUC. 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 RUC was $407,000 and $484,000 as of September 30, 2026 and December 31, 2025. We recorded a provision for unfunded loan commitments of $0, a reversal of provision for unfunded loan commitments of $77,000, and a reversal of provision for unfunded loan commitments of $125,000 for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025. We recorded a reversal of provision for unfunded loan commitments of $77,000 and $225,000 for the nine months ended September 30, 2026 and 2025.

In addition, we invest in Small Business Investment Company funds, other equity investments for CRA purposes and investments in fintech venture funds. Pursuant to these investments, we may commit to an investment amount to be fulfilled in future periods. These unfunded commitments are not on the Company's balance sheets and totaled $1.1 million as of September 30, 2026 and $1.6 million as of December 31, 2025.

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 consolidated financial statements.

SUBORDINATED DEBENTURES - Schedule of Subordinated Debentures (Details) - USD ($) $ in Thousands			1 Months Ended
	Oct. 01, 2018	Dec. 31, 2016	Jan. 31, 2020	Sep. 30, 2026	Dec. 31, 2025
Participating Mortgage Loans [Line Items]
Long-term debt				$ 80,000	$ 119,911
Subordinated Debt
Participating Mortgage Loans [Line Items]
Principal Amount				17,527
Unamortized Valuation Reserve				1,989
Long-term debt				$ 15,538
Subordinated Debt \| TFC Trust
Participating Mortgage Loans [Line Items]
Effective Stated Rate (as a percent)					5.63%
Subordinated Debt \| TFC Trust \| Tenor Spread Adjustment
Participating Mortgage Loans [Line Items]
Debt instrument, basis point		0.26%
Subordinated Debt \| TFC Trust \| Secured Overnight Financing Rate (SOFR)
Participating Mortgage Loans [Line Items]
Debt instrument, basis point		1.65%
Effective Stated Rate (as a percent)				5.81%
Subordinated Debt \| FAIC Trust
Participating Mortgage Loans [Line Items]
Effective Stated Rate (as a percent)				6.41%	6.23%
Subordinated Debt \| FAIC Trust \| Tenor Spread Adjustment
Participating Mortgage Loans [Line Items]
Debt instrument, basis point	0.26%
Subordinated Debt \| FAIC Trust \| Secured Overnight Financing Rate (SOFR)
Participating Mortgage Loans [Line Items]
Debt instrument, basis point	2.25%
Subordinated Debt \| PGBH Trust
Participating Mortgage Loans [Line Items]
Effective Stated Rate (as a percent)				6.26%	6.08%
Subordinated Debt \| PGBH Trust \| Tenor Spread Adjustment
Participating Mortgage Loans [Line Items]
Debt instrument, basis point			0.26%
Subordinated Debt \| PGBH Trust \| Secured Overnight Financing Rate (SOFR)
Participating Mortgage Loans [Line Items]
Debt instrument, basis point			2.10%
TFC Trust \| Subordinated Debt
Participating Mortgage Loans [Line Items]
Principal Amount				$ 5,155
Unamortized Valuation Reserve				941
Long-term debt				$ 4,214
Effective Stated Rate (as a percent)				5.81%
FAIC Trust \| Subordinated Debt
Participating Mortgage Loans [Line Items]
Principal Amount				$ 7,217
Unamortized Valuation Reserve				630
Long-term debt				$ 6,587
Effective Stated Rate (as a percent)				6.41%
PGBH Trust \| Subordinated Debt
Participating Mortgage Loans [Line Items]
Principal Amount				$ 5,155
Unamortized Valuation Reserve				418
Long-term debt				$ 4,737
Effective Stated Rate (as a percent)				6.26%

COMMITMENTS AND CONTINGENCIES - Schedule of Financial Commitments Represents Credit Risk (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2026	Dec. 31, 2025
Other Commitments [Line Items]
Commitment with fixed rate	$ 110,014	$ 113,562
Standby letters of credit
Other Commitments [Line Items]
Commitment with fixed rate	4,405	5,025
Commitments to make loans
Other Commitments [Line Items]
Commitment with fixed rate	48,174	41,635
Unused lines of credit
Other Commitments [Line Items]
Commitment with fixed rate	57,266	64,513
Commercial and similar letters of credit
Other Commitments [Line Items]
Commitment with fixed rate	$ 169	$ 2,389

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)

9 Months Ended

Sep. 30, 2026

Allowance for Credit Loss [Abstract]

Schedule of Loan Held for Investment ("HFI") Portfolio by Loan Segment and Class

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


	September 30, 2026		December 31, 2025
Loans HFI: (1)	(dollars in thousands)
Real Estate:
Single-family residential mortgages	$	1,761,352	$	1,655,382
Commercial real estate (2)	1,280,028		1,303,019
Construction and land development	154,620		155,464
Commercial:
Commercial and industrial	151,796		140,061
SBA	48,525		55,978
Other	2,893		4,397
Total loans HFI	$	3,399,214	$	3,314,301
Allowance for loan losses	(44,038)		(43,888)
Total loans HFI, net	$	3,355,176	$	3,270,413

(1)Net of premiums (discounts) on acquired loans and net deferred (fees) and costs on originated loans.

(2)Includes non-farm and non-residential real estate loans, multifamily residential loans and non-owner occupied single-family residential loans.

Schedule of Changes in the ACL

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


	For the Three Months Ended
	September 30, 2026						June 30, 2026						September 30, 2025
	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	$	43,660	$	407	$	44,067	$	43,666	$	484	$	44,150	$	51,014	$	629	$	51,643
Provision for/(reversal of) credit losses	500		—		500		77		(77)		—		750		(125)		625
Charge-offs	(137)		—		(137)		(119)		—		(119)		(7,019)		—		(7,019)
Recoveries	15		—		15		36		—		36		147		—		147
Ending balance	$	44,038	$	407	$	44,445	$	43,660	$	407	$	44,067	$	44,892	$	504	$	45,396


	For the Nine Months Ended September 30,
	2026						2025
	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	$	43,888	$	484	$	44,372	$	47,729	$	729	$	48,458
Provision for/(reversal of) credit losses	377		(77)		300		9,983		(225)		9,758
Charge-offs	(283)		—		(283)		(13,084)		—		(13,084)
Recoveries	56		—		56		264		—		264
Ending balance	$	44,038	$	407	$	44,445	$	44,892	$	504	$	45,396

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


	For the Three Months Ended September 30, 2026
	Single-family residential mortgages		Commercial real estate		Construction and land development		Commercial and industrial		SBA		Other		Total
Allowance for loan losses:	(dollars in thousands)
Beginning balance	$	21,766	$	17,527	$	1,954	$	1,593	$	689	$	131	$	43,660
Provision for/(reversal of) credit losses	4		293		79		132		(11)		3		500
Charge-offs	—		—		—		(107)		—		(30)		(137)
Recoveries	—		—		—		1		1		13		15
Ending balance	$	21,770	$	17,820	$	2,033	$	1,619	$	679	$	117	$	44,038


	For the Three Months Ended June 30, 2026
	Single-family residential mortgages		Commercial real estate		Construction and land development		Commercial and industrial		SBA		Other		Total
Allowance for loan losses:	(dollars in thousands)
Beginning balance	$	21,988	$	17,639	$	1,446	$	1,672	$	769	$	152	$	43,666
(Reversal of)/provision for credit losses	(222)		(139)		508		23		(80)		(13)		77
Charge-offs	—		—		—		(102)		—		(17)		(119)
Recoveries	—		27		—		—		—		9		36
Ending balance	$	21,766	$	17,527	$	1,954	$	1,593	$	689	$	131	$	43,660


	For the Three Months Ended September 30, 2025
	Single-family residential mortgages		Commercial real estate		Construction and land development		Commercial and industrial		SBA		Other		Total
Allowance for loan losses:	(dollars in thousands)
Beginning balance	$	19,106	$	21,423	$	7,971	$	1,493	$	791	$	230	$	51,014
Provision for/(reversal of) credit losses	2,737		(2,730)		312		393		19		19		750
Charge-offs	—		(21)		(6,929)		(4)		(11)		(54)		(7,019)
Recoveries	—		—		138		1		—		8		147
Ending balance	$	21,843	$	18,672	$	1,492	$	1,883	$	799	$	203	$	44,892


	For the Nine Months Ended September 30, 2026
	Single-family residential mortgages		Commercial real estate		Construction and land development		Commercial and industrial		SBA		Other		Total
Allowance for loan losses:	(dollars in thousands)
Beginning balance	$	21,585	$	18,162	$	1,502	$	1,647	$	824	$	168	$	43,888
Provision for/(reversal of) credit losses	185		(369)		531		183		(144)		(9)		377
Charge-offs	—		—		—		(213)		(2)		(68)		(283)
Recoveries	—		27		—		2		1		26		56
Ending balance	$	21,770	$	17,820	$	2,033	$	1,619	$	679	$	117	$	44,038


	For the Nine Months Ended September 30, 2025
	Single-family residential mortgages		Commercial real estate		Construction and land development		Commercial and industrial		SBA		Other		Total
Allowance for loan losses:	(dollars in thousands)
Beginning balance	$	17,518	$	21,879	$	6,053	$	1,339	$	654	$	286	$	47,729
Provision for/(reversal of) credit losses	5,728		89		3,476		550		157		(17)		9,983
Charge-offs	(1,403)		(3,296)		(8,175)		(85)		(12)		(113)		(13,084)
Recoveries	—		—		138		79		—		47		264
Ending balance	$	21,843	$	18,672	$	1,492	$	1,883	$	799	$	203	$	44,892

Schedule of Loans HFI by Loan Portfolio Segment, Risk Rating and Vintage Year

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
September 30, 2026	2026		2025		2024		2023		2022		Prior		Revolving		Revolving Converted to Term During the Period		Total
Real estate:	(dollars in thousands)
Single-family residential mortgages
Pass	$	304,051	$	303,418	$	73,242	$	112,094	$	468,867	$	496,655	$	795	$	—	$	1,759,122
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		704		1,365		153		8		—		2,230
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	304,051	$	303,418	$	73,242	$	112,798	$	470,232	$	496,808	$	803	$	—	$	1,761,352
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate
Pass	$	143,959	$	254,942	$	139,000	$	35,157	$	379,213	$	279,997	$	—	$	—	$	1,232,268
Special mention	—		—		717		6,612		4,606		6,234		—		—		18,169
Substandard	—		—		4,197		—		2,241		23,153		—		—		29,591
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	143,959	$	254,942	$	143,914	$	41,769	$	386,060	$	309,384	$	—	$	—	$	1,280,028
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Construction and land development
Pass	$	12,327	$	6,864	$	38,682	$	—	$	44,554	$	44,352	$	—	$	—	$	146,779
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		7,841		—		—		7,841
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	12,327	$	6,864	$	38,682	$	—	$	44,554	$	52,193	$	—	$	—	$	154,620
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial:
Commercial and industrial
Pass	$	1,547	$	12,332	$	40	$	999	$	817	$	3,864	$	121,319	$	—	$	140,918
Special mention	—		—		—		—		—		—		27		—		27
Substandard	6		401		3,900		1		37		4,709		1,797		—		10,851
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	1,553	$	12,733	$	3,940	$	1,000	$	854	$	8,573	$	123,143	$	—	$	151,796
YTD gross charge-offs	$	4	$	208	$	1	$	—	$	—	$	—	$	—	$	—	$	213
SBA
Pass	$	3,105	$	7,527	$	2,200	$	1,208	$	4,136	$	17,404	$	—	$	—	$	35,580
Special mention	—		—		—		349		5,783		—		—		—		6,132
Substandard	—		—		2,649		—		—		4,164		—		—		6,813
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	3,105	$	7,527	$	4,849	$	1,557	$	9,919	$	21,568	$	—	$	—	$	48,525
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	2	$	—	$	—	$	2
Other:
Pass	$	—	$	—	$	—	$	46	$	238	$	2,599	$	10	$	—	$	2,893
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	46	$	238	$	2,599	$	10	$	—	$	2,893
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	68	$	—	$	—	$	68
Total by risk rating:
Pass	$	464,989	$	585,083	$	253,164	$	149,504	$	897,825	$	844,871	$	122,124	$	—	$	3,317,560
Special mention	—		—		717		6,961		10,389		6,234		27		—		24,328
Substandard	6		401		10,746		705		3,643		40,020		1,805		—		57,326
Doubtful	—		—		—		—		—		—		—		—		—
Total loans	$	464,995	$	585,484	$	264,627	$	157,170	$	911,857	$	891,125	$	123,956	$	—	$	3,399,214
Total YTD gross charge-offs	$	4	$	208	$	1	$	—	$	—	$	70	$	—	$	—	$	283


	Term Loan by Vintage
December 31, 2025	2025		2024		2023		2022		2021		Prior		Revolving		Revolving Converted to Term During the Period		Total
Real estate:	(dollars in thousands)
Single-family residential mortgages
Pass	$	369,196	$	98,047	$	122,104	$	501,580	$	209,318	$	351,536	$	978	$	—	$	1,652,759
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		679		1,944		—		—		—		—		2,623
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	369,196	$	98,047	$	122,783	$	503,524	$	209,318	$	351,536	$	978	$	—	$	1,655,382
YTD gross charge-offs	$	1	$	—	$	—	$	537	$	174	$	691	$	—	$	—	$	1,403
Commercial real estate
Pass	$	263,863	$	171,328	$	49,551	$	395,493	$	155,891	$	228,915	$	—	$	—	$	1,265,041
Special mention	—		—		—		4,300		668		8,281		—		—		13,249
Substandard	—		668		—		1,578		10,204		12,279		—		—		24,729
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	263,863	$	171,996	$	49,551	$	401,371	$	166,763	$	249,475	$	—	$	—	$	1,303,019
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	1,383	$	3,296	$	—	$	—	$	4,679
Construction and land development
Pass	$	4,739	$	28,059	$	—	$	42,440	$	3,845	$	45,000	$	—	$	—	$	124,083
Special mention	—		3,387		—		—		—		—		—		—		3,387
Substandard	—		—		—		—		19,465		8,529		—		—		27,994
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	4,739	$	31,446	$	—	$	42,440	$	23,310	$	53,529	$	—	$	—	$	155,464
YTD gross charge-offs	$	—	$	—	$	—	$	1,246	$	6,929	$	—	$	—	$	—	$	8,175
Commercial:
Commercial and industrial																	—
Pass	$	13,681	$	55	$	1,041	$	892	$	2,645	$	5,839	$	99,594	$	—	$	123,747
Special mention	—		—		—		—		—		—		2,247		—		2,247
Substandard	413		6,014		5		52		—		5,423		2,160		—		14,067
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	14,094	$	6,069	$	1,046	$	944	$	2,645	$	11,262	$	104,001	$	—	$	140,061
YTD gross charge-offs	$	5	$	6	$	—	$	—	$	—	$	77	$	—	$	—	$	88
SBA
Pass	$	14,433	$	2,834	$	1,283	$	10,718	$	9,655	$	10,939	$	—	$	—	$	49,862
Special mention	—		—		354		—		—		—		—		—		354
Substandard	—		2,271		—		—		481		3,010		—		—		5,762
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	14,433	$	5,105	$	1,637	$	10,718	$	10,136	$	13,949	$	—	$	—	$	55,978
YTD gross charge-offs	$	—	$	12	$	—	$	—	$	—	$	175	$	—	$	—	$	187
Other:
Pass	$	—	$	—	$	86	$	630	$	3,583	$	86	$	12	$	—	$	4,397
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	86	$	630	$	3,583	$	86	$	12	$	—	$	4,397
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	175	$	5	$	—	$	—	$	180
Total by risk rating:
Pass	$	665,912	$	300,323	$	174,065	$	951,753	$	384,937	$	642,315	$	100,584	$	—	$	3,219,889
Special mention	—		3,387		354		4,300		668		8,281		2,247		—		19,237
Substandard	413		8,953		684		3,574		30,150		29,241		2,160		—		75,175
Doubtful	—		—		—		—		—		—		—		—		—
Total loans	$	666,325	$	312,663	$	175,103	$	959,627	$	415,755	$	679,837	$	104,991	$	—	$	3,314,301
Total YTD gross charge-offs	$	6	$	18	$	—	$	1,783	$	8,661	$	4,244	$	—	$	—	$	14,712

Schedule of Investment in Past Due Loans HFI, by Loan Segment and Class

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


	Accruing Loans
September 30, 2026	30-59 Days		60-89 Days		90 Days or More		Total Past Due (1)		Nonaccrual Loans		Current		Total Loans HFI
Real estate:	(dollars in thousands)
Single-family residential mortgages (2)	$	2,293	$	2,057	$	—	$	4,350	$	896	$	1,756,106	$	1,761,352
Commercial real estate	2,136		194		—		2,330		3,057		1,274,641		1,280,028
Construction and land development	—		—		—		—		7,841		146,779		154,620
Commercial:
Commercial and industrial	2		27		—		29		5,109		146,658		151,796
SBA	91		407		—		498		1,932		46,095		48,525
Other	22		—		—		22		—		2,871		2,893
Total	$	4,544	$	2,685	$	—	$	7,229	$	18,835	$	3,373,150	$	3,399,214

(1)Past due loans exclude nonaccrual loans.

(2)Nonaccrual SFR mortgage loans include $153,000 of loans in the process of foreclosure.


	Accruing Loans
December 31, 2025	30-59 Days		60-89 Days		90 Days or More		Total Past Due (1)		Nonaccrual Loans		Current		Total Loans HFI
Real estate:	(dollars in thousands)
Single-family residential mortgages (2)	$	5,140	$	1,321	$	—	$	6,461	$	2,143	$	1,646,778	$	1,655,382
Commercial real estate	284		204		—		488		8,158		1,294,373		1,303,019
Construction and land development	—		—		—		—		27,994		127,470		155,464
Commercial:
Commercial and industrial	1,277		—		—		1,277		5,116		133,668		140,061
SBA	—		542		—		542		1,221		54,215		55,978
Other	13		8		—		21		—		4,376		4,397
Total	$	6,714	$	2,075	$	—	$	8,789	$	44,632	$	3,260,880	$	3,314,301

(1)Past due loans exclude nonaccrual loans.

(2)Nonaccrual SFR mortgage loans include $680,000 of loans in the process of foreclosure.

Schedule of Loans HFI on Nonaccrual Status

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


	September 30, 2026				December 31, 2025
	Nonaccrual Loans with no ALL		Total Nonaccrual Loans		Nonaccrual Loans with no ALL		Total Nonaccrual Loans
Real estate:	(dollars in thousands)
Single-family residential mortgages	$	896	$	896	$	2,143	$	2,143
Commercial real estate	3,057		3,057		4,801		8,158
Construction and land development	7,841		7,841		27,994		27,994
Commercial:
Commercial and industrial	5,109		5,109		5,116		5,116
SBA	1,932		1,932		1,221		1,221

Total	$	18,835	$	18,835	$	41,275	$	44,632

Schedule of Amortized Cost Basis of by Collateral -Dependent Loans

The following tables present the amortized cost basis of individually evaluated collateral-dependent loans, by loan segment and class, and type of collateral which secures such loans as of the dates indicated.


	September 30, 2026
	Type of Collateral
Loan Class	Residential Real Estate		Commercial Real Estate		Business Assets		Total
Real Estate:	(dollars in thousands)
Single-family residential mortgages	$	896	$	—	$	—	$	896
Commercial real estate	—		3,057		—		3,057
Construction and land development	—		7,841		—		7,841
Commercial:
Commercial and industrial	5,109		—		—		5,109
SBA	—		1,534		398		1,932

Total loans	$	6,005	$	12,432	$	398	$	18,835


	December 31, 2025
	Type of Collateral
Loan Class	Residential Real Estate		Commercial Real Estate		Business Assets		Total
Real Estate:	(dollars in thousands)
Single-family residential mortgages	$	2,143	$	—	$	—	$	2,143
Commercial real estate	—		8,158		—		8,158
Construction and land development	19,465		8,529		—		27,994
Commercial:
Commercial and industrial	5,116		—		—		5,116
SBA	—		1,136		85		1,221

Total loans	$	26,724	$	17,823	$	85	$	44,632

Schedule of Loan Modifications

The following tables present loan modifications made to borrowers experiencing financial difficulty by type of modification for the periods indicated:


	Three Months Ended September 30, 2026
	Term Extension				Total Loan Modifications
Loan Class	Balance		Balance	% of Loan Class
	(dollars in thousands)





Commercial and industrial	$	3,899			$	3,899	2.57	%


Total	$	3,899			$	3,899


	Nine Months Ended September 30, 2026
	Term Extension		Payment Deferral		Total Loan Modifications
	Balance		Balance		Balance		% of Loan Class
	(dollars in thousands)


Commercial real estate	$	663	$	—	$	663	0.05	%


Commercial and industrial	3,899		—		3,899		2.57	%
SBA	—		637		637		1.31	%

Total	$	4,562	$	637	$	5,199


	Three Months Ended September 30, 2025
	Payment Deferral		Total Loan Modifications
	Balance		Balance		% of Loan Class
	(dollars in thousands)
Commercial real estate	$	4,872	$	4,872	0.38	%
SBA	410		410		0.76	%
Total	$	5,282	$	5,282


	Nine Months Ended September 30, 2025
	Payment Deferral		Combination - Rate Reduction and Term Modification		Combination - Principal Reduction, Rate Reduction and Term Modification		Total Loan Modifications
	Balance		Balance		Balance		Balance		% of Loan Class
	(dollars in thousands)
Commercial real estate	$	4,872	$	—	$	3,532	$	8,404	0.65	%
Commercial and industrial	—		4,709		—		4,709		3.21	%
SBA	410		—		—		410		0.76	%
Total	$	5,282	$	4,709	$	3,532	$	13,523

The following tables present the payment status of loans that were modified during the preceding 12 month period, by loan class, as of the dates indicated.


	September 30, 2026
Loan Class	Current		30-89 Days Past Due		90 Days or More Past Due		Total
	(dollars in thousands)
Commercial real estate	$	663	$	—	$	—	$	663
Commercial and industrial	3,899		—		—		3,899
SBA	637		—		—		637
Total	$	5,199	$	—	$	—	$	5,199


	September 30, 2025
Loan Class	Current		30-89 Days Past Due		90 Days or More Past Due		Total
	(dollars in thousands)
Construction and land development	$	—	$	—	$	28,222	$	28,222
Commercial real estate	18,607		—		—		18,607
Commercial and industrial	4,708		—		—		4,708
SBA	410		—		—		410
Total	$	23,725	$	—	$	28,222	$	51,947

SEGMENT INFORMATION

9 Months Ended

Sep. 30, 2026

Segment Reporting [Abstract]

SEGMENT INFORMATION

Our reportable segments are determined by the Chief Executive Officer and Chief Financial Officer, who are each designated as a chief operating decision maker ("CODM"), based upon information provided by our products and services offered, primarily banking operations. The segments are also distinguished by the level of information provided to the CODM, who uses such information to review performance of various components of the business, which are aggregated if operating performance, products/services, and customers are similar. The CODM will evaluate the financial performance of our business components such as by evaluating revenue streams, significant expenses, and budget to actual results in assessing our segment and in the determination of allocating resources. The CODM uses consolidated net income, total assets, total loans, and total deposits to benchmark us against our competitors. The benchmarking analysis coupled with monitoring of budget to actual results are used to assess performance and in establishing compensation. Loans, investments, and deposits provide the revenues in the banking operation. Interest expense, provisions for credit losses and payroll provide the significant expenses in the banking operation. All operations are domestic.


	For the Three Months Ended						For the Nine Months Ended September 30,
	September 30, 2026		June 30, 2026		September 30, 2025		2026		2025
Banking Segment	(dollars in thousands)
Interest and dividend income	$	59,307	$	57,159	$	57,392	$	173,269	$	163,933

Reconciliation of revenue
Other revenues	5,105		3,018		3,293		12,374		14,066
Total consolidated revenues	$	64,412	$	60,177	$	60,685	$	185,643	$	177,999

Less:
Interest expense	27,546		27,073		28,115		80,919		81,159
Segment net interest income and noninterest income	$	36,866	$	33,104	$	32,570	$	104,724	$	96,840
Less:
Provision for credit losses	500		—		625		300		9,758
Salaries and benefits expense	11,467		11,045		10,600		33,773		32,323
Other segment items (1)	8,081		7,977		8,083		24,055		25,375
Income tax expense	4,181		3,942		3,114		12,519		7,613
Consolidated net income	$	12,637	$	10,140	$	10,148	$	34,077	$	21,771

Total Assets	$	4,251,296	$	4,275,002	$	4,208,455	$	4,251,296	$	4,208,455
Total Loans	$	3,399,214	$	3,309,459	$	3,303,333	$	3,399,214	$	3,303,333
Total Deposits	$	3,395,280	$	3,390,641	$	3,366,497	$	3,395,280	$	3,366,497

- Definition

The entire disclosure for segment reporting.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
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-Name Accounting Standards Codification
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-40

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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26B

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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-15

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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-41

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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-21

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 15: http://www.xbrl.org/2003/role/exampleRef
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-URI https://asc.fasb.org/1943274/2147482785/280-10-55-48

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

LOAN SERVICING (Tables)

9 Months Ended

Sep. 30, 2026

Transfers and Servicing [Abstract]

Schedule of Principal Balances of Mortgage and SBA Loans Serviced for Others

The table below presents the underlying principal balances of the loans serviced for others, by loan portfolio segment, as of the dates indicated:


Loans serviced for others:	September 30, 2026		December 31, 2025
	(dollars in thousands)
Single-family residential mortgage	$	746,083	$	833,704
SBA	96,642		90,364
Construction and land development	9,742		9,018
Commercial real estate	2,392		2,420

Schedule of Amortization of Mortgage Servicing Rights Netted Against Loan Servicing Fee Income

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


	Three Months Ended
	September 30, 2026				June 30, 2026				September 30, 2025
	Mortgage Loans		SBA Loans		Mortgage Loans		SBA Loans		Mortgage Loans		SBA Loans
Servicing assets:	(dollars in thousands)
Beginning of period	$	4,537	$	1,327	$	4,567	$	1,267	$	5,183	$	1,299
Additions	18		10		174		101		37		13
Payoffs	(81)		—		(58)		(22)		(94)		(1)
Amortization	(148)		(19)		(146)		(19)		(151)		(34)
End of period	$	4,326	$	1,318	$	4,537	$	1,327	$	4,975	$	1,277


	Nine Months Ended
	September 30, 2026				September 30, 2025
	Mortgage Loans		SBA Loans		Mortgage Loans		SBA Loans
Servicing assets:	(dollars in thousands)
Beginning of period	$	4,761	$	1,280	$	5,656	$	1,329
Additions	229		159		66		90
Payoffs	(207)		(60)		(273)		(21)
Amortization	(457)		(61)		(474)		(121)
End of period	$	4,326	$	1,318	$	4,975	$	1,277

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Loans HFI by Loan Portfolio Segment, Risk Rating and Vintage Year (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended		12 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	$ 464,995			$ 464,995		$ 666,325
Term loan balance for 2025/2024	585,484			585,484		312,663
Term loan balance for 2024/2023	264,627			264,627		175,103
Term loan balance for 2023/2022	157,170			157,170		959,627
Term loan balance for 2022/2021	911,857			911,857		415,755
Prior	891,125			891,125		679,837
Revolving	123,956			123,956		104,991
Revolving Converted to Term During the Period	0			0		0
Total	3,399,214			3,399,214		3,314,301
YTD gross charge-offs, 2026/2025				4		6
YTD gross charge-offs, 2025/2024				208		18
YTD gross charge-offs, 2024/2023				1		0
YTD gross charge-offs, 2023/2022				0		1,783
YTD gross charge-offs, 2022/2021				0		8,661
YTD gross charge-offs, Prior				70		4,244
YTD gross charge-offs, Revolving				0		0
YTD gross charge-offs, Revolving Converted to Term During the Period				0		0
YTD gross charge-offs, Total	137	$ 119	$ 7,019	283	$ 13,084	14,712
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	464,989			464,989		665,912
Term loan balance for 2025/2024	585,083			585,083		300,323
Term loan balance for 2024/2023	253,164			253,164		174,065
Term loan balance for 2023/2022	149,504			149,504		951,753
Term loan balance for 2022/2021	897,825			897,825		384,937
Prior	844,871			844,871		642,315
Revolving	122,124			122,124		100,584
Revolving Converted to Term During the Period	0			0		0
Total	3,317,560			3,317,560		3,219,889
Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		3,387
Term loan balance for 2024/2023	717			717		354
Term loan balance for 2023/2022	6,961			6,961		4,300
Term loan balance for 2022/2021	10,389			10,389		668
Prior	6,234			6,234		8,281
Revolving	27			27		2,247
Revolving Converted to Term During the Period	0			0		0
Total	24,328			24,328		19,237
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	6			6		413
Term loan balance for 2025/2024	401			401		8,953
Term loan balance for 2024/2023	10,746			10,746		684
Term loan balance for 2023/2022	705			705		3,574
Term loan balance for 2022/2021	3,643			3,643		30,150
Prior	40,020			40,020		29,241
Revolving	1,805			1,805		2,160
Revolving Converted to Term During the Period	0			0		0
Total	57,326			57,326		75,175
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		0
Prior	0			0		0
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	0			0		0
Single-family residential mortgages
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	304,051			304,051		369,196
Term loan balance for 2025/2024	303,418			303,418		98,047
Term loan balance for 2024/2023	73,242			73,242		122,783
Term loan balance for 2023/2022	112,798			112,798		503,524
Term loan balance for 2022/2021	470,232			470,232		209,318
Prior	496,808			496,808		351,536
Revolving	803			803		978
Revolving Converted to Term During the Period	0			0		0
Total	1,761,352			1,761,352		1,655,382
YTD gross charge-offs, 2026/2025				0		1
YTD gross charge-offs, 2025/2024				0		0
YTD gross charge-offs, 2024/2023				0		0
YTD gross charge-offs, 2023/2022				0		537
YTD gross charge-offs, 2022/2021				0		174
YTD gross charge-offs, Prior				0		691
YTD gross charge-offs, Revolving				0		0
YTD gross charge-offs, Revolving Converted to Term During the Period				0		0
YTD gross charge-offs, Total	0	0	0	0	1,403	1,403
Single-family residential mortgages \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	304,051			304,051		369,196
Term loan balance for 2025/2024	303,418			303,418		98,047
Term loan balance for 2024/2023	73,242			73,242		122,104
Term loan balance for 2023/2022	112,094			112,094		501,580
Term loan balance for 2022/2021	468,867			468,867		209,318
Prior	496,655			496,655		351,536
Revolving	795			795		978
Revolving Converted to Term During the Period	0			0		0
Total	1,759,122			1,759,122		1,652,759
Single-family residential mortgages \| Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		0
Prior	0			0		0
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	0			0		0
Single-family residential mortgages \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		679
Term loan balance for 2023/2022	704			704		1,944
Term loan balance for 2022/2021	1,365			1,365		0
Prior	153			153		0
Revolving	8			8		0
Revolving Converted to Term During the Period	0			0		0
Total	2,230			2,230		2,623
Single-family residential mortgages \| Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		0
Prior	0			0		0
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	0			0		0
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	143,959			143,959		263,863
Term loan balance for 2025/2024	254,942			254,942		171,996
Term loan balance for 2024/2023	143,914			143,914		49,551
Term loan balance for 2023/2022	41,769			41,769		401,371
Term loan balance for 2022/2021	386,060			386,060		166,763
Prior	309,384			309,384		249,475
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	1,280,028			1,280,028		1,303,019
YTD gross charge-offs, 2026/2025				0		0
YTD gross charge-offs, 2025/2024				0		0
YTD gross charge-offs, 2024/2023				0		0
YTD gross charge-offs, 2023/2022				0		0
YTD gross charge-offs, 2022/2021				0		1,383
YTD gross charge-offs, Prior				0		3,296
YTD gross charge-offs, Revolving				0		0
YTD gross charge-offs, Revolving Converted to Term During the Period				0		0
YTD gross charge-offs, Total	0	0	21	0	3,296	4,679
Commercial real estate \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	143,959			143,959		263,863
Term loan balance for 2025/2024	254,942			254,942		171,328
Term loan balance for 2024/2023	139,000			139,000		49,551
Term loan balance for 2023/2022	35,157			35,157		395,493
Term loan balance for 2022/2021	379,213			379,213		155,891
Prior	279,997			279,997		228,915
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	1,232,268			1,232,268		1,265,041
Commercial real estate \| Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	717			717		0
Term loan balance for 2023/2022	6,612			6,612		4,300
Term loan balance for 2022/2021	4,606			4,606		668
Prior	6,234			6,234		8,281
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	18,169			18,169		13,249
Commercial real estate \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		668
Term loan balance for 2024/2023	4,197			4,197		0
Term loan balance for 2023/2022	0			0		1,578
Term loan balance for 2022/2021	2,241			2,241		10,204
Prior	23,153			23,153		12,279
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	29,591			29,591		24,729
Commercial real estate \| Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		0
Prior	0			0		0
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	0			0		0
Construction and land development
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	12,327			12,327		4,739
Term loan balance for 2025/2024	6,864			6,864		31,446
Term loan balance for 2024/2023	38,682			38,682		0
Term loan balance for 2023/2022	0			0		42,440
Term loan balance for 2022/2021	44,554			44,554		23,310
Prior	52,193			52,193		53,529
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	154,620			154,620		155,464
YTD gross charge-offs, 2026/2025				0		0
YTD gross charge-offs, 2025/2024				0		0
YTD gross charge-offs, 2024/2023				0		0
YTD gross charge-offs, 2023/2022				0		1,246
YTD gross charge-offs, 2022/2021				0		6,929
YTD gross charge-offs, Prior				0		0
YTD gross charge-offs, Revolving				0		0
YTD gross charge-offs, Revolving Converted to Term During the Period				0		0
YTD gross charge-offs, Total	0	0	6,929	0	8,175	8,175
Construction and land development \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	12,327			12,327		4,739
Term loan balance for 2025/2024	6,864			6,864		28,059
Term loan balance for 2024/2023	38,682			38,682		0
Term loan balance for 2023/2022	0			0		42,440
Term loan balance for 2022/2021	44,554			44,554		3,845
Prior	44,352			44,352		45,000
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	146,779			146,779		124,083
Construction and land development \| Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		3,387
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		0
Prior	0			0		0
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	0			0		3,387
Construction and land development \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		19,465
Prior	7,841			7,841		8,529
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	7,841			7,841		27,994
Construction and land development \| Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		0
Prior	0			0		0
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	0			0		0
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	1,553			1,553		14,094
Term loan balance for 2025/2024	12,733			12,733		6,069
Term loan balance for 2024/2023	3,940			3,940		1,046
Term loan balance for 2023/2022	1,000			1,000		944
Term loan balance for 2022/2021	854			854		2,645
Prior	8,573			8,573		11,262
Revolving	123,143			123,143		104,001
Revolving Converted to Term During the Period	0			0		0
Total	151,796			151,796		140,061
YTD gross charge-offs, 2026/2025				4		5
YTD gross charge-offs, 2025/2024				208		6
YTD gross charge-offs, 2024/2023				1		0
YTD gross charge-offs, 2023/2022				0		0
YTD gross charge-offs, 2022/2021				0		0
YTD gross charge-offs, Prior				0		77
YTD gross charge-offs, Revolving				0		0
YTD gross charge-offs, Revolving Converted to Term During the Period				0		0
YTD gross charge-offs, Total	107	102	4	213	85	88
Commercial and industrial \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	1,547			1,547		13,681
Term loan balance for 2025/2024	12,332			12,332		55
Term loan balance for 2024/2023	40			40		1,041
Term loan balance for 2023/2022	999			999		892
Term loan balance for 2022/2021	817			817		2,645
Prior	3,864			3,864		5,839
Revolving	121,319			121,319		99,594
Revolving Converted to Term During the Period	0			0		0
Total	140,918			140,918		123,747
Commercial and industrial \| Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		0
Prior	0			0		0
Revolving	27			27		2,247
Revolving Converted to Term During the Period	0			0		0
Total	27			27		2,247
Commercial and industrial \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	6			6		413
Term loan balance for 2025/2024	401			401		6,014
Term loan balance for 2024/2023	3,900			3,900		5
Term loan balance for 2023/2022	1			1		52
Term loan balance for 2022/2021	37			37		0
Prior	4,709			4,709		5,423
Revolving	1,797			1,797		2,160
Revolving Converted to Term During the Period	0			0		0
Total	10,851			10,851		14,067
Commercial and industrial \| Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		0
Prior	0			0		0
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	0			0		0
SBA
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	3,105			3,105		14,433
Term loan balance for 2025/2024	7,527			7,527		5,105
Term loan balance for 2024/2023	4,849			4,849		1,637
Term loan balance for 2023/2022	1,557			1,557		10,718
Term loan balance for 2022/2021	9,919			9,919		10,136
Prior	21,568			21,568		13,949
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	48,525			48,525		55,978
YTD gross charge-offs, 2026/2025				0		0
YTD gross charge-offs, 2025/2024				0		12
YTD gross charge-offs, 2024/2023				0		0
YTD gross charge-offs, 2023/2022				0		0
YTD gross charge-offs, 2022/2021				0		0
YTD gross charge-offs, Prior				2		175
YTD gross charge-offs, Revolving				0		0
YTD gross charge-offs, Revolving Converted to Term During the Period				0		0
YTD gross charge-offs, Total	0	0	11	2	12	187
SBA \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	3,105			3,105		14,433
Term loan balance for 2025/2024	7,527			7,527		2,834
Term loan balance for 2024/2023	2,200			2,200		1,283
Term loan balance for 2023/2022	1,208			1,208		10,718
Term loan balance for 2022/2021	4,136			4,136		9,655
Prior	17,404			17,404		10,939
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	35,580			35,580		49,862
SBA \| Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		354
Term loan balance for 2023/2022	349			349		0
Term loan balance for 2022/2021	5,783			5,783		0
Prior	0			0		0
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	6,132			6,132		354
SBA \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		2,271
Term loan balance for 2024/2023	2,649			2,649		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		481
Prior	4,164			4,164		3,010
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	6,813			6,813		5,762
SBA \| Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		0
Prior	0			0		0
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	0			0		0
Other
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		86
Term loan balance for 2023/2022	46			46		630
Term loan balance for 2022/2021	238			238		3,583
Prior	2,599			2,599		86
Revolving	10			10		12
Revolving Converted to Term During the Period	0			0		0
Total	2,893			2,893		4,397
YTD gross charge-offs, 2026/2025				0		0
YTD gross charge-offs, 2025/2024				0		0
YTD gross charge-offs, 2024/2023				0		0
YTD gross charge-offs, 2023/2022				0		0
YTD gross charge-offs, 2022/2021				0		175
YTD gross charge-offs, Prior				68		5
YTD gross charge-offs, Revolving				0		0
YTD gross charge-offs, Revolving Converted to Term During the Period				0		0
YTD gross charge-offs, Total	30	$ 17	$ 54	68	$ 113	180
Other \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		86
Term loan balance for 2023/2022	46			46		630
Term loan balance for 2022/2021	238			238		3,583
Prior	2,599			2,599		86
Revolving	10			10		12
Revolving Converted to Term During the Period	0			0		0
Total	2,893			2,893		4,397
Other \| Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		0
Prior	0			0		0
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	0			0		0
Other \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		0
Prior	0			0		0
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	0			0		0
Other \| Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Term loan balance for 2026/2025	0			0		0
Term loan balance for 2025/2024	0			0		0
Term loan balance for 2024/2023	0			0		0
Term loan balance for 2023/2022	0			0		0
Term loan balance for 2022/2021	0			0		0
Prior	0			0		0
Revolving	0			0		0
Revolving Converted to Term During the Period	0			0		0
Total	$ 0			$ 0		$ 0

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Amortized Cost Basis of by Collateral -Dependent Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	$ 3,399,214	$ 3,314,301
Residential Real Estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	6,005	26,724
Commercial Real Estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	12,432	17,823
Business Assets
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	398	85
Collateral Pledged, Total
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	18,835	44,632
Single-family residential mortgages
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	1,761,352	1,655,382
Single-family residential mortgages \| Residential Real Estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	896	2,143
Single-family residential mortgages \| Commercial Real Estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	0	0
Single-family residential mortgages \| Business Assets
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	0	0
Single-family residential mortgages \| Collateral Pledged, Total
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	896	2,143
Commercial real estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	1,280,028	1,303,019
Commercial real estate \| Residential Real Estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	0	0
Commercial real estate \| Commercial Real Estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	3,057	8,158
Commercial real estate \| Business Assets
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	0	0
Commercial real estate \| Collateral Pledged, Total
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	3,057	8,158
Construction and land development
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	154,620	155,464
Construction and land development \| Residential Real Estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	0	19,465
Construction and land development \| Commercial Real Estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	7,841	8,529
Construction and land development \| Business Assets
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	0	0
Construction and land development \| Collateral Pledged, Total
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	7,841	27,994
Commercial and industrial
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	151,796	140,061
Commercial and industrial \| Residential Real Estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	5,109	5,116
Commercial and industrial \| Commercial Real Estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	0	0
Commercial and industrial \| Business Assets
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	0	0
Commercial and industrial \| Collateral Pledged, Total
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	5,109	5,116
SBA
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	48,525	55,978
SBA \| Residential Real Estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	0	0
SBA \| Commercial Real Estate
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	1,534	1,136
SBA \| Business Assets
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	398	85
SBA \| Collateral Pledged, Total
Financing Receivable, Nonaccrual [Line Items]
Loans held for investment, excluding allowance for loan losses	$ 1,932	$ 1,221

LOANS AND ALLOWANCE FOR CREDIT LOSSES

9 Months Ended

Sep. 30, 2026

Allowance for Credit Loss [Abstract]

LOANS AND ALLOWANCE FOR CREDIT LOSSES

Our loan portfolio consists primarily of loans to borrowers within the greater Los Angeles metropolitan and San Francisco Bay area (California), 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 loans held for investment ("HFI") portfolio by loan segment and class as of the dates indicated:


	September 30, 2026		December 31, 2025
Loans HFI: (1)	(dollars in thousands)
Real Estate:
Single-family residential mortgages	$	1,761,352	$	1,655,382
Commercial real estate (2)	1,280,028		1,303,019
Construction and land development	154,620		155,464
Commercial:
Commercial and industrial	151,796		140,061
SBA	48,525		55,978
Other	2,893		4,397
Total loans HFI	$	3,399,214	$	3,314,301
Allowance for loan losses	(44,038)		(43,888)
Total loans HFI, net	$	3,355,176	$	3,270,413

(1)Net of premiums (discounts) on acquired loans and net deferred (fees) and costs on originated loans.

(2)Includes non-farm and non-residential real estate loans, multifamily residential loans and non-owner occupied single-family residential loans.

Accrued interest receivable on loans at September 30, 2026 and December 31, 2025 totaled $14.6 million and $14.3 million (included in "Accrued interest and other assets" in the consolidated balance sheets). At September 30, 2026 and December 31, 2025, loans with carrying values of $2.1 billion and $1.9 billion were pledged to secure advances from the Federal Home Loan Bank ("FHLB") for up to $1.6 billion and $1.4 billion, respectively. At September 30, 2026 and December 31, 2025, loans with carrying values of $86.0 million and $88.9 million were pledged to the Federal Reserve Bank of San Francisco ("FRBSF") Discount Window.

The ACL includes the allowance for loan losses ("ALL") and the reserve for unfunded commitments ("RUC") and is maintained at a level deemed appropriate by management to provide for expected credit losses in the portfolio as of the date of the consolidated balance sheets. The RUC is included in "Accrued interest and other liabilities" on the consolidated balance sheets. The following table presents a summary of the changes in the ACL for the periods indicated:


	For the Three Months Ended
	September 30, 2026						June 30, 2026						September 30, 2025
	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	$	43,660	$	407	$	44,067	$	43,666	$	484	$	44,150	$	51,014	$	629	$	51,643
Provision for/(reversal of) credit losses	500		—		500		77		(77)		—		750		(125)		625
Charge-offs	(137)		—		(137)		(119)		—		(119)		(7,019)		—		(7,019)
Recoveries	15		—		15		36		—		36		147		—		147
Ending balance	$	44,038	$	407	$	44,445	$	43,660	$	407	$	44,067	$	44,892	$	504	$	45,396


	For the Nine Months Ended September 30,
	2026						2025
	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	$	43,888	$	484	$	44,372	$	47,729	$	729	$	48,458
Provision for/(reversal of) credit losses	377		(77)		300		9,983		(225)		9,758
Charge-offs	(283)		—		(283)		(13,084)		—		(13,084)
Recoveries	56		—		56		264		—		264
Ending balance	$	44,038	$	407	$	44,445	$	44,892	$	504	$	45,396

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


	For the Three Months Ended September 30, 2026
	Single-family residential mortgages		Commercial real estate		Construction and land development		Commercial and industrial		SBA		Other		Total
Allowance for loan losses:	(dollars in thousands)
Beginning balance	$	21,766	$	17,527	$	1,954	$	1,593	$	689	$	131	$	43,660
Provision for/(reversal of) credit losses	4		293		79		132		(11)		3		500
Charge-offs	—		—		—		(107)		—		(30)		(137)
Recoveries	—		—		—		1		1		13		15
Ending balance	$	21,770	$	17,820	$	2,033	$	1,619	$	679	$	117	$	44,038


	For the Three Months Ended June 30, 2026
	Single-family residential mortgages		Commercial real estate		Construction and land development		Commercial and industrial		SBA		Other		Total
Allowance for loan losses:	(dollars in thousands)
Beginning balance	$	21,988	$	17,639	$	1,446	$	1,672	$	769	$	152	$	43,666
(Reversal of)/provision for credit losses	(222)		(139)		508		23		(80)		(13)		77
Charge-offs	—		—		—		(102)		—		(17)		(119)
Recoveries	—		27		—		—		—		9		36
Ending balance	$	21,766	$	17,527	$	1,954	$	1,593	$	689	$	131	$	43,660


	For the Three Months Ended September 30, 2025
	Single-family residential mortgages		Commercial real estate		Construction and land development		Commercial and industrial		SBA		Other		Total
Allowance for loan losses:	(dollars in thousands)
Beginning balance	$	19,106	$	21,423	$	7,971	$	1,493	$	791	$	230	$	51,014
Provision for/(reversal of) credit losses	2,737		(2,730)		312		393		19		19		750
Charge-offs	—		(21)		(6,929)		(4)		(11)		(54)		(7,019)
Recoveries	—		—		138		1		—		8		147
Ending balance	$	21,843	$	18,672	$	1,492	$	1,883	$	799	$	203	$	44,892


	For the Nine Months Ended September 30, 2026
	Single-family residential mortgages		Commercial real estate		Construction and land development		Commercial and industrial		SBA		Other		Total
Allowance for loan losses:	(dollars in thousands)
Beginning balance	$	21,585	$	18,162	$	1,502	$	1,647	$	824	$	168	$	43,888
Provision for/(reversal of) credit losses	185		(369)		531		183		(144)		(9)		377
Charge-offs	—		—		—		(213)		(2)		(68)		(283)
Recoveries	—		27		—		2		1		26		56
Ending balance	$	21,770	$	17,820	$	2,033	$	1,619	$	679	$	117	$	44,038


	For the Nine Months Ended September 30, 2025
	Single-family residential mortgages		Commercial real estate		Construction and land development		Commercial and industrial		SBA		Other		Total
Allowance for loan losses:	(dollars in thousands)
Beginning balance	$	17,518	$	21,879	$	6,053	$	1,339	$	654	$	286	$	47,729
Provision for/(reversal of) credit losses	5,728		89		3,476		550		157		(17)		9,983
Charge-offs	(1,403)		(3,296)		(8,175)		(85)		(12)		(113)		(13,084)
Recoveries	—		—		138		79		—		47		264
Ending balance	$	21,843	$	18,672	$	1,492	$	1,883	$	799	$	203	$	44,892

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 (“CRE”), construction and land development (“C&D”), and commercial and industrial (“C&I”) 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 highly questionable and improbable based on facts, conditions, and values that currently exist.


	Term Loan by Vintage
September 30, 2026	2026		2025		2024		2023		2022		Prior		Revolving		Revolving Converted to Term During the Period		Total
Real estate:	(dollars in thousands)
Single-family residential mortgages
Pass	$	304,051	$	303,418	$	73,242	$	112,094	$	468,867	$	496,655	$	795	$	—	$	1,759,122
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		704		1,365		153		8		—		2,230
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	304,051	$	303,418	$	73,242	$	112,798	$	470,232	$	496,808	$	803	$	—	$	1,761,352
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate
Pass	$	143,959	$	254,942	$	139,000	$	35,157	$	379,213	$	279,997	$	—	$	—	$	1,232,268
Special mention	—		—		717		6,612		4,606		6,234		—		—		18,169
Substandard	—		—		4,197		—		2,241		23,153		—		—		29,591
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	143,959	$	254,942	$	143,914	$	41,769	$	386,060	$	309,384	$	—	$	—	$	1,280,028
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Construction and land development
Pass	$	12,327	$	6,864	$	38,682	$	—	$	44,554	$	44,352	$	—	$	—	$	146,779
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		7,841		—		—		7,841
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	12,327	$	6,864	$	38,682	$	—	$	44,554	$	52,193	$	—	$	—	$	154,620
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial:
Commercial and industrial
Pass	$	1,547	$	12,332	$	40	$	999	$	817	$	3,864	$	121,319	$	—	$	140,918
Special mention	—		—		—		—		—		—		27		—		27
Substandard	6		401		3,900		1		37		4,709		1,797		—		10,851
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	1,553	$	12,733	$	3,940	$	1,000	$	854	$	8,573	$	123,143	$	—	$	151,796
YTD gross charge-offs	$	4	$	208	$	1	$	—	$	—	$	—	$	—	$	—	$	213
SBA
Pass	$	3,105	$	7,527	$	2,200	$	1,208	$	4,136	$	17,404	$	—	$	—	$	35,580
Special mention	—		—		—		349		5,783		—		—		—		6,132
Substandard	—		—		2,649		—		—		4,164		—		—		6,813
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	3,105	$	7,527	$	4,849	$	1,557	$	9,919	$	21,568	$	—	$	—	$	48,525
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	2	$	—	$	—	$	2
Other:
Pass	$	—	$	—	$	—	$	46	$	238	$	2,599	$	10	$	—	$	2,893
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	46	$	238	$	2,599	$	10	$	—	$	2,893
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	68	$	—	$	—	$	68
Total by risk rating:
Pass	$	464,989	$	585,083	$	253,164	$	149,504	$	897,825	$	844,871	$	122,124	$	—	$	3,317,560
Special mention	—		—		717		6,961		10,389		6,234		27		—		24,328
Substandard	6		401		10,746		705		3,643		40,020		1,805		—		57,326
Doubtful	—		—		—		—		—		—		—		—		—
Total loans	$	464,995	$	585,484	$	264,627	$	157,170	$	911,857	$	891,125	$	123,956	$	—	$	3,399,214
Total YTD gross charge-offs	$	4	$	208	$	1	$	—	$	—	$	70	$	—	$	—	$	283


	Term Loan by Vintage
December 31, 2025	2025		2024		2023		2022		2021		Prior		Revolving		Revolving Converted to Term During the Period		Total
Real estate:	(dollars in thousands)
Single-family residential mortgages
Pass	$	369,196	$	98,047	$	122,104	$	501,580	$	209,318	$	351,536	$	978	$	—	$	1,652,759
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		679		1,944		—		—		—		—		2,623
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	369,196	$	98,047	$	122,783	$	503,524	$	209,318	$	351,536	$	978	$	—	$	1,655,382
YTD gross charge-offs	$	1	$	—	$	—	$	537	$	174	$	691	$	—	$	—	$	1,403
Commercial real estate
Pass	$	263,863	$	171,328	$	49,551	$	395,493	$	155,891	$	228,915	$	—	$	—	$	1,265,041
Special mention	—		—		—		4,300		668		8,281		—		—		13,249
Substandard	—		668		—		1,578		10,204		12,279		—		—		24,729
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	263,863	$	171,996	$	49,551	$	401,371	$	166,763	$	249,475	$	—	$	—	$	1,303,019
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	1,383	$	3,296	$	—	$	—	$	4,679
Construction and land development
Pass	$	4,739	$	28,059	$	—	$	42,440	$	3,845	$	45,000	$	—	$	—	$	124,083
Special mention	—		3,387		—		—		—		—		—		—		3,387
Substandard	—		—		—		—		19,465		8,529		—		—		27,994
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	4,739	$	31,446	$	—	$	42,440	$	23,310	$	53,529	$	—	$	—	$	155,464
YTD gross charge-offs	$	—	$	—	$	—	$	1,246	$	6,929	$	—	$	—	$	—	$	8,175
Commercial:
Commercial and industrial																	—
Pass	$	13,681	$	55	$	1,041	$	892	$	2,645	$	5,839	$	99,594	$	—	$	123,747
Special mention	—		—		—		—		—		—		2,247		—		2,247
Substandard	413		6,014		5		52		—		5,423		2,160		—		14,067
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	14,094	$	6,069	$	1,046	$	944	$	2,645	$	11,262	$	104,001	$	—	$	140,061
YTD gross charge-offs	$	5	$	6	$	—	$	—	$	—	$	77	$	—	$	—	$	88
SBA
Pass	$	14,433	$	2,834	$	1,283	$	10,718	$	9,655	$	10,939	$	—	$	—	$	49,862
Special mention	—		—		354		—		—		—		—		—		354
Substandard	—		2,271		—		—		481		3,010		—		—		5,762
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	14,433	$	5,105	$	1,637	$	10,718	$	10,136	$	13,949	$	—	$	—	$	55,978
YTD gross charge-offs	$	—	$	12	$	—	$	—	$	—	$	175	$	—	$	—	$	187
Other:
Pass	$	—	$	—	$	86	$	630	$	3,583	$	86	$	12	$	—	$	4,397
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	86	$	630	$	3,583	$	86	$	12	$	—	$	4,397
YTD gross charge-offs	$	—	$	—	$	—	$	—	$	175	$	5	$	—	$	—	$	180
Total by risk rating:
Pass	$	665,912	$	300,323	$	174,065	$	951,753	$	384,937	$	642,315	$	100,584	$	—	$	3,219,889
Special mention	—		3,387		354		4,300		668		8,281		2,247		—		19,237
Substandard	413		8,953		684		3,574		30,150		29,241		2,160		—		75,175
Doubtful	—		—		—		—		—		—		—		—		—
Total loans	$	666,325	$	312,663	$	175,103	$	959,627	$	415,755	$	679,837	$	104,991	$	—	$	3,314,301
Total YTD gross charge-offs	$	6	$	18	$	—	$	1,783	$	8,661	$	4,244	$	—	$	—	$	14,712

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


	Accruing Loans
September 30, 2026	30-59 Days		60-89 Days		90 Days or More		Total Past Due (1)		Nonaccrual Loans		Current		Total Loans HFI
Real estate:	(dollars in thousands)
Single-family residential mortgages (2)	$	2,293	$	2,057	$	—	$	4,350	$	896	$	1,756,106	$	1,761,352
Commercial real estate	2,136		194		—		2,330		3,057		1,274,641		1,280,028
Construction and land development	—		—		—		—		7,841		146,779		154,620
Commercial:
Commercial and industrial	2		27		—		29		5,109		146,658		151,796
SBA	91		407		—		498		1,932		46,095		48,525
Other	22		—		—		22		—		2,871		2,893
Total	$	4,544	$	2,685	$	—	$	7,229	$	18,835	$	3,373,150	$	3,399,214

(1)Past due loans exclude nonaccrual loans.

(2)Nonaccrual SFR mortgage loans include $153,000 of loans in the process of foreclosure.


	Accruing Loans
December 31, 2025	30-59 Days		60-89 Days		90 Days or More		Total Past Due (1)		Nonaccrual Loans		Current		Total Loans HFI
Real estate:	(dollars in thousands)
Single-family residential mortgages (2)	$	5,140	$	1,321	$	—	$	6,461	$	2,143	$	1,646,778	$	1,655,382
Commercial real estate	284		204		—		488		8,158		1,294,373		1,303,019
Construction and land development	—		—		—		—		27,994		127,470		155,464
Commercial:
Commercial and industrial	1,277		—		—		1,277		5,116		133,668		140,061
SBA	—		542		—		542		1,221		54,215		55,978
Other	13		8		—		21		—		4,376		4,397
Total	$	6,714	$	2,075	$	—	$	8,789	$	44,632	$	3,260,880	$	3,314,301

(1)Past due loans exclude nonaccrual loans.

(2)Nonaccrual SFR mortgage loans include $680,000 of loans in the process of foreclosure.

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


	September 30, 2026				December 31, 2025
	Nonaccrual Loans with no ALL		Total Nonaccrual Loans		Nonaccrual Loans with no ALL		Total Nonaccrual Loans
Real estate:	(dollars in thousands)
Single-family residential mortgages	$	896	$	896	$	2,143	$	2,143
Commercial real estate	3,057		3,057		4,801		8,158
Construction and land development	7,841		7,841		27,994		27,994
Commercial:
Commercial and industrial	5,109		5,109		5,116		5,116
SBA	1,932		1,932		1,221		1,221

Total	$	18,835	$	18,835	$	41,275	$	44,632


	September 30, 2026
	Type of Collateral
Loan Class	Residential Real Estate		Commercial Real Estate		Business Assets		Total
Real Estate:	(dollars in thousands)
Single-family residential mortgages	$	896	$	—	$	—	$	896
Commercial real estate	—		3,057		—		3,057
Construction and land development	—		7,841		—		7,841
Commercial:
Commercial and industrial	5,109		—		—		5,109
SBA	—		1,534		398		1,932

Total loans	$	6,005	$	12,432	$	398	$	18,835


	December 31, 2025
	Type of Collateral
Loan Class	Residential Real Estate		Commercial Real Estate		Business Assets		Total
Real Estate:	(dollars in thousands)
Single-family residential mortgages	$	2,143	$	—	$	—	$	2,143
Commercial real estate	—		8,158		—		8,158
Construction and land development	19,465		8,529		—		27,994
Commercial:
Commercial and industrial	5,116		—		—		5,116
SBA	—		1,136		85		1,221

Total loans	$	26,724	$	17,823	$	85	$	44,632

We did not recognize any interest income on nonaccrual loans while the loans were in nonaccrual status during 2026 or 2025.

Loan Modifications to Borrowers Experiencing Financial Difficulty - In cases where a borrower is experiencing financial difficulties, we may make certain concessionary modifications to the contractual terms. These concessions may include term extension, payment delay, principal forgiveness, interest rate reduction, or other actions intended to minimize potential losses. 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. Loans modified to borrowers experiencing financial difficulty are individually evaluated for purposes of the allowance for loan losses.

The following tables present loan modifications made to borrowers experiencing financial difficulty by type of modification for the periods indicated:


	Three Months Ended September 30, 2026
	Term Extension				Total Loan Modifications
Loan Class	Balance		Balance	% of Loan Class
	(dollars in thousands)





Commercial and industrial	$	3,899			$	3,899	2.57	%


Total	$	3,899			$	3,899


	Nine Months Ended September 30, 2026
	Term Extension		Payment Deferral		Total Loan Modifications
	Balance		Balance		Balance		% of Loan Class
	(dollars in thousands)


Commercial real estate	$	663	$	—	$	663	0.05	%


Commercial and industrial	3,899		—		3,899		2.57	%
SBA	—		637		637		1.31	%

Total	$	4,562	$	637	$	5,199


	Three Months Ended September 30, 2025
	Payment Deferral		Total Loan Modifications
	Balance		Balance		% of Loan Class
	(dollars in thousands)
Commercial real estate	$	4,872	$	4,872	0.38	%
SBA	410		410		0.76	%
Total	$	5,282	$	5,282


	Nine Months Ended September 30, 2025
	Payment Deferral		Combination - Rate Reduction and Term Modification		Combination - Principal Reduction, Rate Reduction and Term Modification		Total Loan Modifications
	Balance		Balance		Balance		Balance		% of Loan Class
	(dollars in thousands)
Commercial real estate	$	4,872	$	—	$	3,532	$	8,404	0.65	%
Commercial and industrial	—		4,709		—		4,709		3.21	%
SBA	410		—		—		410		0.76	%
Total	$	5,282	$	4,709	$	3,532	$	13,523

At September 30, 2026 and December 31, 2025, we had no commitments to lend to borrowers experiencing financial difficulty whose loans were modified during the period. We closely monitor the performance of loans modified to borrowers experiencing financial difficulty to understand the effectiveness of our modification efforts. The following tables present the payment status of loans that were modified during the preceding 12 month period, by loan class, as of the dates indicated.


	September 30, 2026
Loan Class	Current		30-89 Days Past Due		90 Days or More Past Due		Total
	(dollars in thousands)
Commercial real estate	$	663	$	—	$	—	$	663
Commercial and industrial	3,899		—		—		3,899
SBA	637		—		—		637
Total	$	5,199	$	—	$	—	$	5,199


	September 30, 2025
Loan Class	Current		30-89 Days Past Due		90 Days or More Past Due		Total
	(dollars in thousands)
Construction and land development	$	—	$	—	$	28,222	$	28,222
Commercial real estate	18,607		—		—		18,607
Commercial and industrial	4,708		—		—		4,708
SBA	410		—		—		410
Total	$	23,725	$	—	$	28,222	$	51,947

For the loans modified to borrowers experiencing financial difficulty during the 12 months prior to September 30, 2026, no loans had a payment default of their modified terms in the three months ended September 30, 2026, and one SBA loan with a balance of $127,000 had a payment default of their modified terms in the nine months ended September 30, 2026. For the loans modified to borrowers experiencing financial difficulty during the 12 months prior to September 30, 2025, two construction and land development loans totaling $28.2 million had a payment default of their modified terms in the three and nine months ended September 30, 2025.

INVESTMENT SECURITIES - Schedule of Amortized Cost and Fair Value of Investment Securities Portfolio (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost, AFS, One Year or Less	$ 51,416	$ 36,862
Fair Value, AFS, One Year or Less	51,257	36,858
Amortized Cost, AFS, More than One Year to Five Years	153,518	190,057
Fair Value, AFS, More than One Year to Five Years	148,315	188,808
Amortized Cost, AFS, More than Five Years to Ten Years	191,932	185,150
Fair Value, AFS, More than Five Years to Ten Years	171,515	171,010
Amortized Cost, AFS, More than Ten Years	15,035	14,076
Fair Value, AFS, More than Ten Years	10,257	10,528
Amortized Cost, AFS, Total	411,901	426,145
Fair Value, AFS, Total	381,344	407,204
Amortized Cost, HTM, One Year or Less	0	0
Fair Value, HTM, One Year or Less	0	0
Amortized Cost, HTM, More than One Year to Five Years	1,741	860
Fair Value, HTM, More than One Year to Five Years	1,633	857
Amortized Cost, HTM, More than Five Years to Ten Years	2,438	2,817
Fair Value, HTM, More than Five Years to Ten Years	2,170	2,742
Amortized Cost, HTM, More than Ten Years	0	507
Fair Value, HTM, More than Ten Years	0	504
Amortized Cost, HTM, Total	4,179	4,184
Fair Value, HTM, Total	3,803	4,103
Government agency securities
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost, AFS, One Year or Less	658	65
Fair Value, AFS, One Year or Less	650	65
Amortized Cost, AFS, More than One Year to Five Years	8,409	22,785
Fair Value, AFS, More than One Year to Five Years	8,292	22,640
Amortized Cost, AFS, More than Five Years to Ten Years	9,658	0
Fair Value, AFS, More than Five Years to Ten Years	9,234	0
Amortized Cost, AFS, More than Ten Years	0	0
Fair Value, AFS, More than Ten Years	0	0
Amortized Cost, AFS, Total	18,725	22,850
Fair Value, AFS, Total	18,176	22,705
SBA agency securities
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost, AFS, One Year or Less	0	0
Fair Value, AFS, One Year or Less	0	0
Amortized Cost, AFS, More than One Year to Five Years	6,134	6,496
Fair Value, AFS, More than One Year to Five Years	5,765	6,456
Amortized Cost, AFS, More than Five Years to Ten Years	13,303	14,830
Fair Value, AFS, More than Five Years to Ten Years	12,766	14,724
Amortized Cost, AFS, More than Ten Years	0	0
Fair Value, AFS, More than Ten Years	0	0
Amortized Cost, AFS, Total	19,437	21,326
Fair Value, AFS, Total	18,531	21,180
MBS: Residential
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost, AFS, One Year or Less	0	0
Fair Value, AFS, One Year or Less	0	0
Amortized Cost, AFS, More than One Year to Five Years	19,717	26,636
Fair Value, AFS, More than One Year to Five Years	18,894	26,537
Amortized Cost, AFS, More than Five Years to Ten Years	75,589	64,413
Fair Value, AFS, More than Five Years to Ten Years	67,680	60,641
Amortized Cost, AFS, More than Ten Years	0	0
Fair Value, AFS, More than Ten Years	0	0
Amortized Cost, AFS, Total	95,306	91,049
Fair Value, AFS, Total	86,574	87,178
MBS: Commercial
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost, AFS, One Year or Less	4,993	0
Fair Value, AFS, One Year or Less	4,947	0
Amortized Cost, AFS, More than One Year to Five Years	5,010	5,010
Fair Value, AFS, More than One Year to Five Years	4,989	4,977
Amortized Cost, AFS, More than Five Years to Ten Years	0	0
Fair Value, AFS, More than Five Years to Ten Years	0	0
Amortized Cost, AFS, More than Ten Years	0	0
Fair Value, AFS, More than Ten Years	0	0
Amortized Cost, AFS, Total	10,003	5,010
Fair Value, AFS, Total	9,936	4,977
CMO: Residential
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost, AFS, One Year or Less	610	6,198
Fair Value, AFS, One Year or Less	604	6,248
Amortized Cost, AFS, More than One Year to Five Years	71,511	68,422
Fair Value, AFS, More than One Year to Five Years	68,630	68,100
Amortized Cost, AFS, More than Five Years to Ten Years	42,502	45,855
Fair Value, AFS, More than Five Years to Ten Years	33,207	38,147
Amortized Cost, AFS, More than Ten Years	0	0
Fair Value, AFS, More than Ten Years	0	0
Amortized Cost, AFS, Total	114,623	120,475
Fair Value, AFS, Total	102,441	112,495
CMO: Commercial
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost, AFS, One Year or Less	3,430	6,629
Fair Value, AFS, One Year or Less	3,358	6,591
Amortized Cost, AFS, More than One Year to Five Years	31,366	51,805
Fair Value, AFS, More than One Year to Five Years	30,797	51,365
Amortized Cost, AFS, More than Five Years to Ten Years	42,153	44,321
Fair Value, AFS, More than Five Years to Ten Years	40,374	42,821
Amortized Cost, AFS, More than Ten Years	0	0
Fair Value, AFS, More than Ten Years	0	0
Amortized Cost, AFS, Total	76,949	102,755
Fair Value, AFS, Total	74,529	100,777
Commercial paper
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost, AFS, One Year or Less	39,722	19,948
Fair Value, AFS, One Year or Less	39,699	19,948
Amortized Cost, AFS, More than One Year to Five Years	0	0
Fair Value, AFS, More than One Year to Five Years	0	0
Amortized Cost, AFS, More than Five Years to Ten Years	0	0
Fair Value, AFS, More than Five Years to Ten Years	0	0
Amortized Cost, AFS, More than Ten Years	0	0
Fair Value, AFS, More than Ten Years	0	0
Amortized Cost, AFS, Total	39,722	19,948
Fair Value, AFS, Total	39,699	19,948
Corporate debt securities
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost, AFS, One Year or Less	2,003	4,022
Fair Value, AFS, One Year or Less	1,999	4,006
Amortized Cost, AFS, More than One Year to Five Years	11,371	8,903
Fair Value, AFS, More than One Year to Five Years	10,948	8,733
Amortized Cost, AFS, More than Five Years to Ten Years	7,650	14,650
Fair Value, AFS, More than Five Years to Ten Years	7,434	13,756
Amortized Cost, AFS, More than Ten Years	3,571	2,590
Fair Value, AFS, More than Ten Years	2,710	1,934
Amortized Cost, AFS, Total	24,595	30,165
Fair Value, AFS, Total	23,091	28,429
Municipal tax-exempt securities
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Amortized Cost, AFS, One Year or Less	0	0
Fair Value, AFS, One Year or Less	0	0
Amortized Cost, AFS, More than One Year to Five Years	0	0
Fair Value, AFS, More than One Year to Five Years	0	0
Amortized Cost, AFS, More than Five Years to Ten Years	1,077	1,081
Fair Value, AFS, More than Five Years to Ten Years	820	921
Amortized Cost, AFS, More than Ten Years	11,464	11,486
Fair Value, AFS, More than Ten Years	7,547	8,594
Amortized Cost, AFS, Total	12,541	12,567
Fair Value, AFS, Total	8,367	9,515
Amortized Cost, HTM, One Year or Less	0	0
Fair Value, HTM, One Year or Less	0	0
Amortized Cost, HTM, More than One Year to Five Years	1,741	860
Fair Value, HTM, More than One Year to Five Years	1,633	857
Amortized Cost, HTM, More than Five Years to Ten Years	2,438	2,817
Fair Value, HTM, More than Five Years to Ten Years	2,170	2,742
Amortized Cost, HTM, More than Ten Years	0	507
Fair Value, HTM, More than Ten Years	0	504
Amortized Cost, HTM, Total	4,179	4,184
Fair Value, HTM, Total	$ 3,803	$ 4,103

CONSOLIDATED STATEMENTS OF INCOME – (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Interest and dividend income:
Loans	$ 52,200	$ 50,663	$ 50,094	$ 152,801	$ 143,402
Interest-earning deposits	2,296	1,708	2,140	5,887	5,904
Investment securities	4,027	4,259	4,592	12,255	12,941
FHLB stock	539	222	327	1,521	981
Federal funds sold and other	245	307	239	805	705
Total interest and dividend income	59,307	57,159	57,392	173,269	163,933
Interest expense:
Savings deposits, NOW and money market accounts	9,045	9,197	4,674	25,589	13,709
Time deposits	14,783	14,397	20,152	45,401	58,486
Long-term debt and subordinated debentures	1,749	2,428	1,635	5,776	4,901
FHLB advances	1,969	1,051	1,654	4,153	4,063
Total interest expense	27,546	27,073	28,115	80,919	81,159
Net interest income before provision for credit losses	31,761	30,086	29,277	92,350	82,774
Provision for credit losses	500	0	625	300	9,758
Net interest income after provision for credit losses	31,261	30,086	28,652	92,050	73,016
Noninterest income:
Service charges and fees	1,110	1,104	1,099	3,246	3,176
Loan servicing income, net of amortization	525	533	564	1,562	1,693
Increase in cash surrender value of BOLI	449	438	427	1,318	1,241
Gain on sale of loans	89	964	260	1,377	699
(Loss)/gain on other real estate owned	0	(221)	0	669	0
Other income	2,932	200	943	4,202	7,257
Total noninterest income	5,105	3,018	3,293	12,374	14,066
Noninterest expense:
Salaries and employee benefits	11,467	11,045	10,600	33,773	32,323
Occupancy and equipment expenses	2,587	2,449	2,425	7,547	7,209
Data processing	1,722	1,690	1,805	5,120	5,120
Legal and professional	1,306	1,311	1,450	4,120	5,869
Office expenses	394	377	444	1,130	1,257
Marketing and business promotion	193	178	252	586	661
Insurance and regulatory assessments	743	746	732	2,238	2,171
Core deposit intangible amortization	126	127	172	387	516
Other expenses	1,010	1,099	803	2,927	2,572
Total noninterest expense	19,548	19,022	18,683	57,828	57,698
Income before income taxes	16,818	14,082	13,262	46,596	29,384
Income tax expense	4,181	3,942	3,114	12,519	7,613
Net income	$ 12,637	$ 10,140	$ 10,148	$ 34,077	$ 21,771
Net income per share
Basic (in dollars per share)	$ 0.75	$ 0.60	$ 0.59	$ 2.01	$ 1.24
Diluted (in dollars per share)	$ 0.74	$ 0.59	$ 0.59	$ 1.99	$ 1.24
Weighted-average common shares outstanding
Basic (in shares)	16,910,452	17,011,624	17,225,702	16,994,716	17,564,835
Diluted (in shares)	17,027,686	17,141,742	17,301,627	17,114,113	17,621,599

INVESTMENT SECURITIES (Tables)

9 Months Ended

Sep. 30, 2026

Investments, Debt and Equity Securities [Abstract]

Schedule of Amortized Cost and Fair Value of Investment Securities Available for Sale Securities and Held to Maturity

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:


September 30, 2026	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
Available for sale	(dollars in thousands)
Government agency securities	$	18,725	$	12	$	(561)	$	18,176
SBA agency securities	19,437		9		(915)		18,531
MBS: Residential	95,306		—		(8,732)		86,574
MBS: Commercial	10,003		—		(67)		9,936
CMO: Residential	114,623		13		(12,195)		102,441
CMO: Commercial	76,949		116		(2,536)		74,529
Commercial paper	39,722		—		(23)		39,699
Corporate debt securities	24,595		14		(1,518)		23,091
Municipal tax-exempt securities	12,541		—		(4,174)		8,367
Total available for sale	$	411,901	$	164	$	(30,721)	$	381,344

Held to maturity
Municipal tax-exempt securities	$	4,179	$	—	$	(376)	$	3,803
Total held to maturity	$	4,179	$	—	$	(376)	$	3,803


December 31, 2025	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
Available for sale	(dollars in thousands)
Government agency securities	$	22,850	$	34	$	(179)	$	22,705
SBA agency securities	21,326		90		(236)		21,180
MBS: Residential	91,049		634		(4,505)		87,178
MBS: Commercial	5,010		—		(33)		4,977
CMO: Residential	120,475		760		(8,740)		112,495
CMO: Commercial	102,755		183		(2,161)		100,777
Commercial paper	19,948		—		—		19,948
Corporate debt securities	30,165		75		(1,811)		28,429
Municipal tax-exempt securities	12,567		—		(3,052)		9,515
Total available for sale	$	426,145	$	1,776	$	(20,717)	$	407,204

Held to maturity
Municipal tax-exempt securities	$	4,184	$	—	$	(81)	$	4,103
Total held to maturity	$	4,184	$	—	$	(81)	$	4,103

Schedule of Amortized Cost and Fair Value of Investment Securities Portfolio

The following tables show the amortized cost and fair value of the investment securities portfolio, by expected maturity, as of the dates indicated. However, expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Accordingly, MBS and CMO are classified in accordance with their estimated average life.


	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
September 30, 2026	(dollars in thousands)
Government agency securities	$	658	$	650	$	8,409	$	8,292	$	9,658	$	9,234	$	—	$	—	$	18,725	$	18,176
SBA agency securities	—		—		6,134		5,765		13,303		12,766		—		—		19,437		18,531
MBS: Residential	—		—		19,717		18,894		75,589		67,680		—		—		95,306		86,574
MBS: Commercial	4,993		4,947		5,010		4,989		—		—		—		—		10,003		9,936
CMO: Residential	610		604		71,511		68,630		42,502		33,207		—		—		114,623		102,441
CMO: Commercial	3,430		3,358		31,366		30,797		42,153		40,374		—		—		76,949		74,529
Commercial paper	39,722		39,699		—		—		—		—		—		—		39,722		39,699
Corporate debt securities	2,003		1,999		11,371		10,948		7,650		7,434		3,571		2,710		24,595		23,091
Municipal tax-exempt securities	—		—		—		—		1,077		820		11,464		7,547		12,541		8,367
Total AFS	$	51,416	$	51,257	$	153,518	$	148,315	$	191,932	$	171,515	$	15,035	$	10,257	$	411,901	$	381,344

Municipal tax-exempt securities	$	—	$	—	$	1,741	$	1,633	$	2,438	$	2,170	$	—	$	—	$	4,179	$	3,803
Total HTM	$	—	$	—	$	1,741	$	1,633	$	2,438	$	2,170	$	—	$	—	$	4,179	$	3,803

December 31, 2025
Government agency securities	$	65	$	65	$	22,785	$	22,640	$	—	$	—	$	—	$	—	$	22,850	$	22,705
SBA agency securities	—		—		6,496		6,456		14,830		14,724		—		—		21,326		21,180
MBS: Residential	—		—		26,636		26,537		64,413		60,641		—		—		91,049		87,178
MBS: Commercial	—		—		5,010		4,977		—		—		—		—		5,010		4,977
CMO: Residential	6,198		6,248		68,422		68,100		45,855		38,147		—		—		120,475		112,495
CMO: Commercial	6,629		6,591		51,805		51,365		44,321		42,821		—		—		102,755		100,777
Commercial paper	19,948		19,948		—		—		—		—		—		—		19,948		19,948
Corporate debt securities	4,022		4,006		8,903		8,733		14,650		13,756		2,590		1,934		30,165		28,429
Municipal tax-exempt securities	—		—		—		—		1,081		921		11,486		8,594		12,567		9,515
Total AFS	$	36,862	$	36,858	$	190,057	$	188,808	$	185,150	$	171,010	$	14,076	$	10,528	$	426,145	$	407,204

Municipal tax-exempt securities	$	—	$	—	$	860	$	857	$	2,817	$	2,742	$	507	$	504	$	4,184	$	4,103
Total HTM	$	—	$	—	$	860	$	857	$	2,817	$	2,742	$	507	$	504	$	4,184	$	4,103

Schedule of Fair Value and Gross Unrealized Losses of Our Investment Securities

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		# of Issuances	Fair Value		Unrealized Losses		# of Issuances	Fair Value		Unrealized Losses		# of Issuances
September 30, 2026	(dollars in thousands)
Government agency securities	$	9,883	$	(433)	3	$	4,497	$	(128)	2	$	14,380	$	(561)	5
SBA agency securities	14,129		(659)		5	2,541		(256)		5	16,670		(915)		10
MBS: Residential	63,072		(3,125)		19	23,502		(5,607)		15	86,574		(8,732)		34
MBS: Commercial	9,936		(67)		2	—		—		—	9,936		(67)		2
CMO: Residential	51,325		(1,517)		15	45,203		(10,678)		23	96,528		(12,195)		38
CMO: Commercial	4,106		(21)		1	47,376		(2,515)		21	51,482		(2,536)		22
Commercial paper	24,705		(23)		4	—		—		—	24,705		(23)		4
Corporate debt securities	2,944		(56)		3	15,626		(1,462)		16	18,570		(1,518)		19
Municipal tax-exempt securities	—		—		—	8,367		(4,174)		11	8,367		(4,174)		11
Total AFS	$	180,100	$	(5,901)	52	$	147,112	$	(24,820)	93	$	327,212	$	(30,721)	145

Municipal tax-exempt securities	$	1,521	$	(109)	4	$	2,282	$	(267)	5	$	3,803	$	(376)	9
Total HTM	$	1,521	$	(109)	4	$	2,282	$	(267)	5	$	3,803	$	(376)	9


	Less than Twelve Months					Twelve Months or More					Total
	Fair Value		Unrealized Losses		# of Issuances	Fair Value		Unrealized Losses		# of Issuances	Fair Value		Unrealized Losses		# of Issuances
December 31, 2025	(dollars in thousands)
Government agency securities	$	1,749	$	(6)	1	$	6,572	$	(173)	3	$	8,321	$	(179)	4
SBA agency securities	7,654		(93)		3	2,962		(143)		5	10,616		(236)		8
MBS: Residential	14,196		(91)		4	27,573		(4,414)		15	41,769		(4,505)		19
MBS: Commercial	4,977		(33)		1	—		—		—	4,977		(33)		1
CMO: Residential	3,130		(1)		1	53,195		(8,739)		24	56,325		(8,740)		25
CMO: Commercial	13,947		(31)		4	49,366		(2,130)		21	63,313		(2,161)		25

Corporate debt securities	—		—		—	22,577		(1,811)		24	22,577		(1,811)		24
Municipal tax-exempt securities	—		—		—	9,515		(3,052)		11	9,515		(3,052)		11
Total AFS	$	45,653	$	(255)	14	$	171,760	$	(20,462)	103	$	217,413	$	(20,717)	117

Municipal tax-exempt securities	$	—	$	—	—	$	3,663	$	(81)	8	$	3,663	$	(81)	8
Total HTM	$	—	$	—	—	$	3,663	$	(81)	8	$	3,663	$	(81)	8

SUBORDINATED DEBENTURES - Narrative (Details) - USD ($) $ in Thousands			1 Months Ended	3 Months Ended			9 Months Ended
	Oct. 01, 2018	Dec. 31, 2016	Jan. 31, 2020	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025	Oct. 31, 2018
Participating Mortgage Loans [Line Items]
Subordinated debt				$ 15,500			$ 15,500		$ 15,400
Recorded Value				80,000			80,000		119,911
Interest expense				1,400	$ 2,100	$ 1,200	4,800	$ 3,600
Subordinated Debt
Participating Mortgage Loans [Line Items]
Recorded Value				15,538			15,538
Interest expense				260	255	285	770	850
Amortization expense				55	$ 55	$ 55	165	$ 165
TFC Trust \| Subordinated Debt
Participating Mortgage Loans [Line Items]
Valuation allowances and reserves, amount		$ 1,900		$ 941			$ 941		$ 1,000
Effective stated rate (as a percent)									5.63%
TFC Trust \| Subordinated Debt \| Tenor Spread Adjustment
Participating Mortgage Loans [Line Items]
Variable rate of interest (as a percent)		0.26%
TFC Trust \| Subordinated Debt \| Secured Overnight Financing Rate (SOFR)
Participating Mortgage Loans [Line Items]
Variable rate of interest (as a percent)		1.65%
Effective stated rate (as a percent)				5.81%			5.81%
FAIC Trust \| Subordinated Debt
Participating Mortgage Loans [Line Items]
Valuation allowances and reserves, amount				$ 630			$ 630		$ 688	$ 1,200
Effective stated rate (as a percent)				6.41%			6.41%		6.23%
FAIC Trust \| Subordinated Debt \| Tenor Spread Adjustment
Participating Mortgage Loans [Line Items]
Variable rate of interest (as a percent)	0.26%
FAIC Trust \| Subordinated Debt \| Secured Overnight Financing Rate (SOFR)
Participating Mortgage Loans [Line Items]
Variable rate of interest (as a percent)	2.25%
PGBH Trust \| Subordinated Debt
Participating Mortgage Loans [Line Items]
Valuation allowances and reserves, amount			$ 763	$ 418			$ 418		$ 456
Effective stated rate (as a percent)				6.26%			6.26%		6.08%
PGBH Trust \| Subordinated Debt \| Tenor Spread Adjustment
Participating Mortgage Loans [Line Items]
Variable rate of interest (as a percent)			0.26%
PGBH Trust \| Subordinated Debt \| Secured Overnight Financing Rate (SOFR)
Participating Mortgage Loans [Line Items]
Variable rate of interest (as a percent)			2.10%

GOODWILL AND INTANGIBLES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Finite-Lived Intangible Assets [Line Items]
Goodwill	$ 71,498			$ 71,498		$ 71,498
Impairment loss				0
Amortization of intangible assets				1,172	$ 1,405
Core deposits
Finite-Lived Intangible Assets [Line Items]
Unamortization balance	1,000			1,000		$ 1,300
Amortization of intangible assets	$ 126	$ 127	$ 172	$ 387	$ 516
Core deposits \| Minimum
Finite-Lived Intangible Assets [Line Items]
Estimated useful life (in years)	8 years			8 years
Core deposits \| Maximum
Finite-Lived Intangible Assets [Line Items]
Estimated useful life (in years)	10 years			10 years

- Definition

Amount of amortization expense for finite-lived intangible asset. Excludes goodwill and capitalized cost for software to be sold, leased, or marketed.

+ References

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- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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- Definition

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.

+ References

+ Details

- Definition

Amount of impairment loss from 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.

+ References + Details

REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Jun. 30, 2025
Disaggregation of Revenue [Line Items]
Noninterest income, in scope	$ 1,303	$ 1,052	$ 1,324	$ 4,786	$ 3,818
(Loss)/gain on OREO	0	(221)	0	669	0
Noninterest income, not in scope	3,802	1,966	1,969	7,588	10,248
Total noninterest income	5,105	3,018	3,293	12,374	14,066
Gain on building sale	2,700			2,658	42
Fees and service charges on deposit accounts
Disaggregation of Revenue [Line Items]
Noninterest income, in scope	485	505	497	1,471	1,446
Other fees
Disaggregation of Revenue [Line Items]
Noninterest income, in scope	193	169	225	871	642
Other income
Disaggregation of Revenue [Line Items]
Noninterest income, in scope	$ 625	$ 599	$ 602	$ 1,775	$ 1,730
Employee Retention Credit
Disaggregation of Revenue [Line Items]
Other grant income						$ 5,200

INVESTMENT SECURITIES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Sales of investment securities	$ 0	$ 0	$ 0	$ 0
Accrued interest receivable for investment securities	1,500		1,500		$ 1,600
Debt securities, HTM, allowance for credit loss		$ 0		$ 0
Debt securities, AFS, allowance for credit loss	0		0
Asset Pledged as Collateral
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Investment securities with fair value	45,900		45,900		48,700
Asset Pledged as Collateral \| Deposits
Debt Securities, Available-for-Sale, Allowance for Credit Loss [Line Items]
Investment securities with fair value	$ 27		$ 27		$ 36

BUSINESS DESCRIPTION (Details) $ in Thousands	Sep. 30, 2026 USD ($) branch	Jun. 30, 2026 USD ($)	Dec. 31, 2025 USD ($)	Sep. 30, 2025 USD ($)	Jun. 30, 2025 USD ($)	Dec. 31, 2024 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Assets	$ 4,251,296		$ 4,208,294
Loans	3,355,176		3,270,413
Deposits	3,395,280		3,350,398
Shareholders’ equity	$ 534,243	$ 535,177	523,410	$ 514,335	$ 517,653	$ 507,877
Number of branches \| branch	24
Loans held for investment, net of allowance for loan losses
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 3,355,176		$ 3,270,413

- Definition

Amount of asset recognized for present right to economic benefit.

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+ Details

FAIR VALUE MEASUREMENTS AND FAIR VALUE OF FINANCIAL INSTRUMENTS - Narrative (Details) - Discount rate - Level 3	Sep. 30, 2026
Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input	0.06
Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement input	0.10

STOCK-BASED COMPENSATION - Schedule of Stock Options Awards and Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	9 Months Ended
	Sep. 30, 2026
Outstanding Options
Beginning balance (in shares)	151,000
Exercised (in shares)	(62,500)
Forfeited/cancelled (in shares)	(2,000)
Ending balance (in shares)	86,500
Options exercisable (in shares)	74,500
Weighted-Average Exercise Price
Beginning balance (in dollars per share)	$ 18.37
Exercised (in dollars per share)	18.32
Forfeited/cancelled (in dollars per share)	18.32
Ending balance (in dollars per share)	18.42
Options exercisable (in dollars per share)	$ 17.97
Weighted- Average Remaining Contractual Term in years
Outstanding, weighted-average remaining contractual term (in years)	4 years 6 months 3 days
Option exercisable, weighted-average remaining contractual term (in years)	4 years 2 months 23 days
Outstanding, aggregate intrinsic value	$ 659
Exercisable, aggregate intrinsic value	$ 600

GOODWILL AND INTANGIBLES - Schedule of Estimated CDI Amortization Expense for Future Years (Details) - Core deposits $ in Thousands	Sep. 30, 2026 USD ($)
Finite-Lived Intangible Assets [Line Items]
Remainder of 2026	$ 114
2027	417
2028	297
2029	64
2030	33
Thereafter	26
Total	$ 951

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

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	Sep. 30, 2026	Dec. 31, 2025
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Interest-earning deposits in other financial institutions	$ 165,593	$ 185,231
Investment securities – AFS	381,344	407,204
Investment securities – HTM	3,803	4,103
Level 1 \| Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	190,290	212,317
Interest-earning deposits in other financial institutions	600	600
Level 1 \| Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	190,290	212,317
Interest-earning deposits in other financial institutions	600	600
Level 2 \| Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities – AFS	381,344	407,204
Investment securities – HTM	4,179	4,184
Loans held for sale	0	2,067
Investment in FHLB stock	15,000	15,000
Deposits	3,395,280	3,350,398
Level 2 \| Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities – AFS	381,344	407,204
Investment securities – HTM	3,803	4,103
Loans held for sale	0	2,067
Investment in FHLB stock	15,000	15,000
Deposits	3,391,247	3,350,982
Level 3 \| Forward mortgage loan sale contracts
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets, notional amount	0	515
Derivative assets, fair value	0	11
Level 3 \| Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, net	3,355,176	3,270,413
Equity securities	36,133	26,086
Servicing assets	5,644	6,041
FHLB advances	180,000	130,000
Long-term debt	80,000	119,911
Subordinated debentures	15,538	15,375
Level 3 \| Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans, net	3,304,069	3,221,797
Equity securities	36,133	26,086
Servicing assets	11,644	11,521
FHLB advances	173,992	129,198
Long-term debt	79,663	114,691
Subordinated debentures	15,308	15,227
Level 1/2/3 \| Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Accrued interest receivable	16,608	16,230
Level 1/2/3 \| Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Accrued interest receivable	16,608	16,230
Level 2/3 \| Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Accrued interest payable	5,460	7,960
Level 2/3 \| Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Accrued interest payable	$ 5,460	$ 7,960

DEPOSITS - Narrative (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Offsetting Liabilities [Line Items]
Wholesale time deposits	$ 61,500	$ 225,700
Brokered time deposits	770	145,500
Time deposits	1,600,775
Collateralized deposits from the State of California
Offsetting Liabilities [Line Items]
Time deposits	40,000	40,000
Time deposits acquired through internet listing services
Offsetting Liabilities [Line Items]
Time deposits	20,700	40,200
Time deposits held through the CDARS program
Offsetting Liabilities [Line Items]
Time deposits	136,000	128,300
ICS deposits
Offsetting Liabilities [Line Items]
Time deposits	$ 148,700	$ 156,300

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

LEASES

9 Months Ended

Sep. 30, 2026

Leases [Abstract]

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 September 30, 2026
	(dollars in thousands)
Remainder of 2026	$	1,035
2027	6,152
2028	5,191
2029	3,041
2030	2,683
Thereafter	6,240
Total future minimum lease payments	$	24,342
Less: amount of payment representing interest	(1,829)
Total present value of lease payments	$	22,513

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 for each of the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $4.4 million for each of the nine months ended September 30, 2026 and 2025. The Company received rental income of $131,000, $164,000 and $161,000 for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $452,000 and $478,000 for the nine months ended September 30, 2026 and 2025.


	September 30, 2026			December 31, 2025
Operating Leases	(dollars in thousands)
ROU assets	$	20,754		$	23,026
Lease liabilities	22,513			24,800

Weighted-average remaining lease term (in years)	5.50			5.96
Weighted-average discount rate	3.51		%	2.97		%

SEGMENT INFORMATION - Schedule of Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025	Dec. 31, 2025
Segment Reporting Information [Line Items]
Interest and dividend income	$ 59,307	$ 57,159	$ 57,392	$ 173,269	$ 163,933
Interest expense	27,546	27,073	28,115	80,919	81,159
Salaries and benefits expense	11,467	11,045	10,600	33,773	32,323
Income tax expense	4,181	3,942	3,114	12,519	7,613
Consolidated net income	12,637	10,140	10,148	34,077	21,771
Total Assets	4,251,296			4,251,296		$ 4,208,294
Total Deposits	3,395,280			3,395,280		$ 3,350,398
Single Reportable Segment
Segment Reporting Information [Line Items]
Interest and dividend income	59,307	57,159	57,392	173,269	163,933
Other revenues	5,105	3,018	3,293	12,374	14,066
Total consolidated revenues	64,412	60,177	60,685	185,643	177,999
Interest expense	27,546	27,073	28,115	80,919	81,159
Segment net interest income and noninterest income	36,866	33,104	32,570	104,724	96,840
Provision for credit losses	500	0	625	300	9,758
Salaries and benefits expense	11,467	11,045	10,600	33,773	32,323
Other segment items	8,081	7,977	8,083	24,055	25,375
Income tax expense	4,181	3,942	3,114	12,519	7,613
Consolidated net income	12,637	10,140	10,148	34,077	21,771
Total Assets	4,251,296	4,275,002	4,208,455	4,251,296	4,208,455
Total Loans	3,399,214	3,309,459	3,303,333	3,399,214	3,303,333
Total Deposits	$ 3,395,280	$ 3,390,641	$ 3,366,497	$ 3,395,280	$ 3,366,497

REGULATORY MATTERS - Schedule of Bank’s Capital Amounts and Ratios and the Related Regulatory Requirements (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2026 USD ($)	Dec. 31, 2025 USD ($)
Total Risk-Based Capital Ratio
Capital conservation buffer	2.50%	2.50%
Consolidated
Tier 1 Leverage Ratio
Actual	$ 498,361	$ 479,047
Actual, ratio	0.1182	0.1160
Minimum Required for Capital Adequacy Purposes	$ 168,647	$ 165,193
Minimum Required for Capital Adequacy Purposes, ratio	0.040	0.040
To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 210,809	$ 206,491
To Be Well-Capitalized Under Prompt Corrective Action Provisions, ratio	5.00%	5.00%
Common Equity Tier 1 Risk Based Capital Ratio
Actual	$ 483,289	$ 464,133
Actual, ratio	0.1787	0.1749
Minimum Required for Capital Adequacy Purposes	$ 121,682	$ 119,388
Minimum Required for Capital Adequacy Purposes, ratio	4.50%	4.50%
To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 175,763	$ 172,450
To Be Well-Capitalized Under Prompt Corrective Action Provisions, ratio	0.065	0.065
Tier 1 Risk-Based Capital Ratio
Actual	$ 498,361	$ 479,047
Actual, ratio	0.1843	0.1806
Minimum Required for Capital Adequacy Purposes	$ 162,243	$ 159,184
Minimum Required for Capital Adequacy Purposes, ratio	0.060	0.060
To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 216,324	$ 212,246
To Be Well-Capitalized Under Prompt Corrective Action Provisions, ratio	8.00%	8.00%
Total Risk-Based Capital Ratio
Actual	$ 596,293	$ 632,260
Actual, ratio	0.2205	0.2383
Minimum Required for Capital Adequacy Purposes	$ 216,324	$ 212,246
Minimum Required for Capital Adequacy Purposes, ratio	0.080	0.080
To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 270,405	$ 265,307
To Be Well-Capitalized Under Prompt Corrective Action Provisions, ratio	10.00%	10.00%
Bank
Tier 1 Leverage Ratio
Actual	$ 534,830	$ 544,296
Actual, ratio	0.1271	0.1320
Minimum Required for Capital Adequacy Purposes	$ 168,378	$ 164,965
Minimum Required for Capital Adequacy Purposes, ratio	0.040	0.040
To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 210,473	$ 206,206
To Be Well-Capitalized Under Prompt Corrective Action Provisions, ratio	5.00%	5.00%
Common Equity Tier 1 Risk Based Capital Ratio
Actual	$ 534,830	$ 544,296
Actual, ratio	0.1984	0.2057
Minimum Required for Capital Adequacy Purposes	$ 121,318	$ 119,075
Minimum Required for Capital Adequacy Purposes, ratio	4.50%	4.50%
To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 175,237	$ 171,998
To Be Well-Capitalized Under Prompt Corrective Action Provisions, ratio	0.065	0.065
Tier 1 Risk-Based Capital Ratio
Actual	$ 534,830	$ 544,296
Actual, ratio	0.1984	0.2057
Minimum Required for Capital Adequacy Purposes	$ 161,757	$ 158,767
Minimum Required for Capital Adequacy Purposes, ratio	0.060	0.060
To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 215,676	$ 211,690
To Be Well-Capitalized Under Prompt Corrective Action Provisions, ratio	8.00%	8.00%
Total Risk-Based Capital Ratio
Actual	$ 568,662	$ 577,512
Actual, ratio	0.2109	0.2182
Minimum Required for Capital Adequacy Purposes	$ 215,676	$ 211,690
Minimum Required for Capital Adequacy Purposes, ratio	0.080	0.080
To Be Well-Capitalized Under Prompt Corrective Action Provisions	$ 269,595	$ 264,612
To Be Well-Capitalized Under Prompt Corrective Action Provisions, ratio	10.00%	10.00%

SEGMENT INFORMATION - Narrative (Details)	9 Months Ended
SEGMENT INFORMATION - Narrative (Details)	Sep. 30, 2026
Segment Reporting [Abstract]
Number of reportable segments	1

REGULATORY MATTERS - Narrative (Details) - USD ($) $ in Billions	Sep. 30, 2026	Jan. 01, 2022
Offsetting Liabilities [Line Items]
Required assets to liabilities ratio after dividend effect	125.00%
Minimum
Offsetting Liabilities [Line Items]
Regulatory assets		$ 3

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

EARNINGS PER SHARE (Tables)

9 Months Ended

Sep. 30, 2026

Earnings Per Share [Abstract]

Schedule of Earnings Per Share, Basic and Diluted

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
	September 30, 2026			June 30, 2026			September 30, 2025
	Income		Shares	Income		Shares	Income		Shares
	(dollars in thousands except per share data)
Net income	$	12,637		$	10,140		$	10,148
Shares outstanding			16,827,168			16,985,919			17,043,897
Impact of weighting shares			83,284			25,705			181,805
Used in basic EPS	12,637		16,910,452	10,140		17,011,624	10,148		17,225,702
Dilutive effect of outstanding stock options & RSUs			117,234			130,118			75,925
Used in dilutive EPS	$	12,637	17,027,686	$	10,140	17,141,742	$	10,148	17,301,627

Basic earnings per common share	$	0.75		$	0.60		$	0.59
Diluted earnings per common share	$	0.74		$	0.59		$	0.59


	For the Nine Months Ended September 30,
	2026			2025
	Income		Shares	Income		Shares
	(dollars in thousands except per share data)
Net income	$	34,077		$	21,771
Shares outstanding			16,827,168			17,043,897
Impact of weighting shares			167,548			520,938
Used in basic EPS	34,077		16,994,716	21,771		17,564,835
Dilutive effect of outstanding stock options & RSUs			119,397			56,764
Used in dilutive EPS	$	34,077	17,114,113	$	21,771	17,621,599

Basic earnings per common share	$	2.01		$	1.24
Diluted earnings per common share	$	1.99		$	1.24

REGULATORY MATTERS

9 Months Ended

Sep. 30, 2026

Regulatory Assets and Liabilities Disclosure [Abstract]

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.

Final comprehensive regulatory capital rules for U.S. banking organizations pursuant to the capital framework of the Basel Committee on Banking Supervision, generally referred to as “Basel III,” implemented a requirement for all banking organizations to maintain a capital conservation buffer of 2.5% above the minimum risk-based capital requirements. The capital conservation buffer is exclusively comprised of common equity Tier 1 capital, and it applies to each of the three risk-based capital ratios but not to the leverage ratio. At September 30, 2026, the Company and the Bank were in compliance with the capital conservation buffer requirements. If the capital adequacy minimum ratios plus the 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, we have elected to opt out of the Basel III requirement to include accumulated other comprehensive income in risk-based capital. Management believes, at September 30, 2026 and December 31, 2025, we satisfied all capital adequacy requirements to which we were subject.

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


					Amount of Capital Required

	Actual				Minimum Required for Capital Adequacy Purposes				To Be Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio (1)		Amount		Ratio
As of September 30, 2026:	(dollars in thousands)
Tier 1 Leverage Ratio
Consolidated	$	498,361	11.82	%	$	168,647	4.0	%	$	210,809	5.0	%
Bank	534,830		12.71	%	168,378		4.0	%	210,473		5.0	%
Common Equity Tier 1 Risk-Based Capital Ratio
Consolidated	$	483,289	17.87	%	$	121,682	4.5	%	$	175,763	6.5	%
Bank	534,830		19.84	%	121,318		4.5	%	175,237		6.5	%
Tier 1 Risk-Based Capital Ratio
Consolidated	$	498,361	18.43	%	$	162,243	6.0	%	$	216,324	8.0	%
Bank	534,830		19.84	%	161,757		6.0	%	215,676		8.0	%
Total Risk-Based Capital Ratio
Consolidated	$	596,293	22.05	%	$	216,324	8.0	%	$	270,405	10.0	%
Bank	568,662		21.09	%	215,676		8.0	%	269,595		10.0	%

(1)These ratios are exclusive of the 2.5% capital conservation buffer.


					Amount of Capital Required

	Actual				Minimum Required for Capital Adequacy Purposes				To Be Well-Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio		Amount		Ratio (1)		Amount		Ratio
As of December 31, 2025:	(dollars in thousands)
Tier 1 Leverage Ratio
Consolidated	$	479,047	11.60	%	$	165,193	4.0	%	$	206,491	5.0	%
Bank	544,296		13.20	%	164,965		4.0	%	206,206		5.0	%
Common Equity Tier 1 Risk Based Capital Ratio
Consolidated	$	464,133	17.49	%	$	119,388	4.5	%	$	172,450	6.5	%
Bank	544,296		20.57	%	119,075		4.5	%	171,998		6.5	%
Tier 1 Risk-Based Capital Ratio
Consolidated	$	479,047	18.06	%	$	159,184	6.0	%	$	212,246	8.0	%
Bank	544,296		20.57	%	158,767		6.0	%	211,690		8.0	%
Total Risk-Based Capital Ratio
Consolidated	$	632,260	23.83	%	$	212,246	8.0	%	$	265,307	10.0	%
Bank	577,512		21.82	%	211,690		8.0	%	264,612		10.0	%

(1)These ratios are exclusive of the 2.5% 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 to its shareholders during the same period, unless prior written approval by the California Department of Financial Protection and Innovation is obtained.

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 bank 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.

- Definition

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.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1H
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1H

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1H
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1H

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1H
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1H

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1F
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1D
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1H
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1H

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1H
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1H

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A

+ Details

LOANS AND ALLOWANCE FOR CREDIT LOSSES - Schedule of Loan Modifications (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Financing Receivable, Modified [Line Items]
Total Loan Modifications	$ 3,899	$ 5,282	$ 5,199	$ 13,523
Loan Class	5,199	51,947	5,199	51,947
Term Extension
Financing Receivable, Modified [Line Items]
Total Loan Modifications	3,899		4,562
Payment Deferral
Financing Receivable, Modified [Line Items]
Total Loan Modifications		5,282	637	5,282
Combination - Rate Reduction and Term Modification
Financing Receivable, Modified [Line Items]
Total Loan Modifications				4,709
Combination - Principal Reduction, Rate Reduction and Term Modification
Financing Receivable, Modified [Line Items]
Total Loan Modifications				3,532
Commercial real estate
Financing Receivable, Modified [Line Items]
Total Loan Modifications		$ 4,872	$ 663	$ 8,404
% of Loan Class		0.38%	0.05%	0.65%
Loan Class	663	$ 18,607	$ 663	$ 18,607
Commercial real estate \| Term Extension
Financing Receivable, Modified [Line Items]
Total Loan Modifications			663
Commercial real estate \| Payment Deferral
Financing Receivable, Modified [Line Items]
Total Loan Modifications		4,872	0	4,872
Commercial real estate \| Combination - Rate Reduction and Term Modification
Financing Receivable, Modified [Line Items]
Total Loan Modifications				0
Commercial real estate \| Combination - Principal Reduction, Rate Reduction and Term Modification
Financing Receivable, Modified [Line Items]
Total Loan Modifications				3,532
Commercial and industrial
Financing Receivable, Modified [Line Items]
Total Loan Modifications	$ 3,899		$ 3,899	$ 4,709
% of Loan Class	2.57%		2.57%	3.21%
Loan Class	$ 3,899	4,708	$ 3,899	$ 4,708
Commercial and industrial \| Term Extension
Financing Receivable, Modified [Line Items]
Total Loan Modifications	3,899		3,899
Commercial and industrial \| Payment Deferral
Financing Receivable, Modified [Line Items]
Total Loan Modifications			0	0
Commercial and industrial \| Combination - Rate Reduction and Term Modification
Financing Receivable, Modified [Line Items]
Total Loan Modifications				4,709
Commercial and industrial \| Combination - Principal Reduction, Rate Reduction and Term Modification
Financing Receivable, Modified [Line Items]
Total Loan Modifications				0
SBA
Financing Receivable, Modified [Line Items]
Total Loan Modifications		$ 410	$ 637	$ 410
% of Loan Class		0.76%	1.31%	0.76%
Loan Class	637	$ 410	$ 637	$ 410
SBA \| Term Extension
Financing Receivable, Modified [Line Items]
Total Loan Modifications			0
SBA \| Payment Deferral
Financing Receivable, Modified [Line Items]
Total Loan Modifications		410	637	410
SBA \| Combination - Rate Reduction and Term Modification
Financing Receivable, Modified [Line Items]
Total Loan Modifications				0
SBA \| Combination - Principal Reduction, Rate Reduction and Term Modification
Financing Receivable, Modified [Line Items]
Total Loan Modifications				0
Construction and land development
Financing Receivable, Modified [Line Items]
Loan Class		28,222		28,222
Current
Financing Receivable, Modified [Line Items]
Loan Class	5,199	23,725	5,199	23,725
Current \| Commercial real estate
Financing Receivable, Modified [Line Items]
Loan Class	663	18,607	663	18,607
Current \| Commercial and industrial
Financing Receivable, Modified [Line Items]
Loan Class	3,899	4,708	3,899	4,708
Current \| SBA
Financing Receivable, Modified [Line Items]
Loan Class	637	410	637	410
Current \| Construction and land development
Financing Receivable, Modified [Line Items]
Loan Class		0		0
30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Loan Class	0	0	0	0
30-89 Days Past Due \| Commercial real estate
Financing Receivable, Modified [Line Items]
Loan Class	0	0	0	0
30-89 Days Past Due \| Commercial and industrial
Financing Receivable, Modified [Line Items]
Loan Class	0	0	0	0
30-89 Days Past Due \| SBA
Financing Receivable, Modified [Line Items]
Loan Class	0	0	0	0
30-89 Days Past Due \| Construction and land development
Financing Receivable, Modified [Line Items]
Loan Class		0		0
90 Days or More
Financing Receivable, Modified [Line Items]
Loan Class	0	28,222	0	28,222
90 Days or More \| Commercial real estate
Financing Receivable, Modified [Line Items]
Loan Class	0	0	0	0
90 Days or More \| Commercial and industrial
Financing Receivable, Modified [Line Items]
Loan Class	0	0	0	0
90 Days or More \| SBA
Financing Receivable, Modified [Line Items]
Loan Class	$ 0	0	$ 0	0
90 Days or More \| Construction and land development
Financing Receivable, Modified [Line Items]
Loan Class		$ 28,222		$ 28,222

DEPOSITS (Tables)

9 Months Ended

Sep. 30, 2026

Deposits [Abstract]

Schedule of Maturities of Time Deposits

At September 30, 2026, the scheduled maturities of time deposits are as follows:


	$250,000 and under		Greater than $250,000		Total
At September 30, 2026	(dollars in thousands)
Remainder of 2026	$	317,137	$	406,615	$	723,752
2027	434,815		437,686		872,501
2028	2,727		965		3,692
2029	449		—		449
2030 and thereafter	381		—		381
Total	$	755,509	$	845,266	$	1,600,775

SUBSEQUENT EVENTS	9 Months Ended
SUBSEQUENT EVENTS	Sep. 30, 2026
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	SUBSEQUENT EVENTS On October 19, 2026, we announced the Board of Directors had declared a common stock cash dividend of $0.16 per share, payable on November 12, 2026 to common shareholders of record as of October 30, 2026.

RELATED PARTY TRANSACTIONS (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Related Party Transaction [Line Items]
Loans held for investment, excluding allowance for loan losses	$ 3,399,214	$ 3,314,301
Executive Officers, Directors and their Related Interests
Related Party Transaction [Line Items]
Outstanding loan commitments	0	0
Principal Officers, Directors and their Affiliates
Related Party Transaction [Line Items]
Deposits from related party	49,300	73,000
Directors and Their Affiliates
Related Party Transaction [Line Items]
Loans held for investment, excluding allowance for loan losses	$ 4,000	$ 6,000

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	9 Months Ended
	Sep. 30, 2026
Accounting Policies [Abstract]
Basis of Presentation	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 and nine months ended September 30, 2026 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, 2025, included in our Annual Report on Form 10-K for the fiscal year ended December 31, 2025 (our “2025 Annual Report”).
Use of Estimates in the Preparation of Financial Statements	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, and the valuation of goodwill are particularly subject to change and such change could have a material effect on the consolidated financial statements.
Recent Accounting Pronouncements	Recent Accounting Pronouncements Accounting standards adopted in 2026 In November of 2025, the FASB issued ASU 2025-08, Financial Instruments-Credit Losses (Topic 326) – Purchased Loans. Under the guidance that currently exists in ASC Topic 326, purchased loans are initially recorded at fair value, and an allowance for expected credit losses is separately recognized in accordance with Topic 326. If a financial asset acquired has a “more-than-insignificant” deterioration of credit quality since its origination, it is accounted for as a purchased financial asset with credit deterioration ("PCD") using a “gross-up approach.” The gross-up approach requires recognition of an allowance for credit losses ("ACL") for the estimate of credit losses at the acquisition date. The ACL is recorded with an offsetting gross-up adjustment to the purchase price of the acquired financial asset. If a financial asset acquired does not have “more-than-insignificant” deterioration of credit quality since its origination ("non-PCD"), the ACL is recognized with a corresponding charge to credit loss expense. The amendments in this ASU expand the population of acquired financial assets subject to the gross-up approach in Topic 326. In accordance with the amendments in this ASU, loans acquired without credit deterioration and deemed “seasoned” are purchased seasoned loans and accounted for using the gross-up approach at acquisition. All non-PCD loans that are acquired in a business combination are deemed seasoned. Other non-PCD loans are seasoned if they were purchased at least 90 days after origination and the acquirer was not involved in the origination of the loans. The amendments in this ASU are effective for all entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods within those annual reporting periods. Early adoption is permitted. The amendments in this ASU should be applied prospectively to loans that are acquired on or after the initial application date. The Company early adopted this guidance, effective January 1, 2026. After adoption, the Company applied the gross-up approach to recording an ACL for purchased seasoned loans. The adoption had no material impact on the Company’s consolidated financial statements. Accounting standards recently issued and 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 the Company's consolidated financial statements. In November 2024, the FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40). ASU 2024-03 requires disaggregated disclosure of income statement expenses within the footnotes to the financial statements for any relevant expense caption presented on the face of the income statement within continuing operations into the following required natural expense categories, as applicable: (1) purchases of inventory, (2) employee compensation, (3) depreciation, (4) intangible asset amortization, and (5) depreciation, depletion and amortization recognized as part of oil- and gas-producing activities or other types of depletion services. ASU 2024-03 is effective for annual periods beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted. The guidance should be applied prospectively with an option to apply it retrospectively for each period presented. Adoption of ASU 2024-03 is not expected to have a material impact on the Company's consolidated financial statements. In December of 2025, the FASB issued ASU 2025-10, Government Grants (Topic 832) – Accounting for Government Grants Received by Business Entities. ASU 2025-10 creates authoritative guidance for business entities for the accounting for government grants. Prior to the issuance of this guidance, there was no specific authoritative guidance within GAAP regarding the recognition, measurement, and presentation of a government grant received by a business entity and, as a result, many entities used other sections of authoritative accounting literature by analogy to account for government grants that were received. The new guidance requires that a government grant received by a business entity should not be recognized until: (1) it is probable that (a) a business entity will comply with the conditions attached to the grant and (b) the grant will be received; and (2) a business entity meets the recognition guidance for a grant in ASC 832. The new guidance also establishes classification guidance for grants in the consolidated financial statements and prescribes disclosures of grants that include the nature of the government grant received, the accounting policies used to account for the grant, and significant terms and conditions of the grant. The amendments in this ASU are effective for annual reporting periods beginning after December 15, 2028, and interim reporting periods within those annual reporting periods. Early adoption is permitted. The amendments may be adopted using either a modified prospective, modified retrospective, or retrospective approach. Adoption of ASU 2025-10 is not expected to have a material impact on the Company’s consolidated financial statements. In December of 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270) – Narrow-Scope Improvements. The guidance in ASU 2025-11 was issued to improve the guidance in ASC by clarifying the required interim disclosures and when that guidance is applicable. The amendments add to Topic 270 a principle that requires entities to disclose events since the end of the last annual reporting period that have a material impact on the entity. The new guidance does not change the fundamental nature of interim reporting or expand or reduce current interim disclosure requirements but rather provides clarity on the current interim reporting requirements. The amendments in this ASU are effective for interim reporting periods within annual reporting periods beginning after December 15, 2027. Early adoption is permitted. The amendments in this ASU can be applied either (1) prospectively or (2) retrospectively to any or all prior periods presented in the financial statements. Adoption of ASU 2025-11 is not expected to have a material impact on the Company’s consolidated financial statements.

- Definition

Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 235
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478671/942-235-S50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 235
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-05(b)(2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477314/942-235-S99-1

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 275
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-12

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 275
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-9

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 275
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482836/275-10-55-6

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 275
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-6

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 275
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-4

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)
-SubTopic 10
-Topic 275
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)
-SubTopic 10
-Topic 275
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482861/275-10-50-1

+ Details

EARNINGS PER SHARE

9 Months Ended

Sep. 30, 2026

Earnings Per Share [Abstract]

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
	September 30, 2026			June 30, 2026			September 30, 2025
	Income		Shares	Income		Shares	Income		Shares
	(dollars in thousands except per share data)
Net income	$	12,637		$	10,140		$	10,148
Shares outstanding			16,827,168			16,985,919			17,043,897
Impact of weighting shares			83,284			25,705			181,805
Used in basic EPS	12,637		16,910,452	10,140		17,011,624	10,148		17,225,702
Dilutive effect of outstanding stock options & RSUs			117,234			130,118			75,925
Used in dilutive EPS	$	12,637	17,027,686	$	10,140	17,141,742	$	10,148	17,301,627

Basic earnings per common share	$	0.75		$	0.60		$	0.59
Diluted earnings per common share	$	0.74		$	0.59		$	0.59


	For the Nine Months Ended September 30,
	2026			2025
	Income		Shares	Income		Shares
	(dollars in thousands except per share data)
Net income	$	34,077		$	21,771
Shares outstanding			16,827,168			17,043,897
Impact of weighting shares			167,548			520,938
Used in basic EPS	34,077		16,994,716	21,771		17,564,835
Dilutive effect of outstanding stock options & RSUs			119,397			56,764
Used in dilutive EPS	$	34,077	17,114,113	$	21,771	17,621,599

Basic earnings per common share	$	2.01		$	1.24
Diluted earnings per common share	$	1.99		$	1.24

Options to purchase zero, 12,000, and 34,000 shares of common stock were excluded from the calculation of diluted earnings per share for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, respectively, because their effect would have been anti-dilutive. Options to purchase 13,231 and 82,247 shares of common stock were excluded from the calculation of diluted earnings per share for the nine months ended September 30, 2026 and 2025, respectively, because their effect would have been anti-dilutive. There were 8,226, zero, and 2,300 anti-dilutive unvested RSUs outstanding for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and 2,772 and 6,786 anti-dilutive unvested RSUs outstanding for the nine months ended September 30, 2026 and 2025.

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Assets
Cash and due from banks	$ 24,697	$ 27,086
Interest-earning deposits with financial institutions	165,593	185,231
Cash and cash equivalents	190,290	212,317
Interest-earning time deposits in other financial institutions	600	600
Securities:
Available for sale (amortized cost of $411,901 and $426,145 at September 30, 2026 and December 31, 2025)	381,344	407,204
Held to maturity (fair value of $3,803 and $4,103 at September 30, 2026 and December 31, 2025)	4,179	4,184
Loans held for sale	0	2,067
Loans held for investment	3,399,214	3,314,301
Allowance for loan losses	(44,038)	(43,888)
Loans held for investment, net of allowance for loan losses	3,355,176	3,270,413
Premises and equipment, net	17,950	23,540
Federal Home Loan Bank (FHLB) stock	15,000	15,000
Net deferred tax assets	18,174	16,347
Income tax receivable	12,754	17,483
Cash surrender value of bank owned life insurance (BOLI)	63,290	61,972
Goodwill	71,498	71,498
Right-of-use assets - operating leases	20,754	23,026
Accrued interest and other assets	100,287	82,643
Total assets	4,251,296	4,208,294
Deposits:
Noninterest-bearing demand	556,848	526,538
Savings, NOW and money market accounts	1,237,657	956,299
Time deposits $250,000 and under	755,509	974,670
Time deposits over $250,000	845,266	892,891
Total deposits	3,395,280	3,350,398
FHLB advances	180,000	130,000
Long-term debt, net of issuance costs	80,000	119,911
Subordinated debentures, net	15,538	15,375
Lease liabilities - operating leases	22,513	24,800
Accrued interest and other liabilities	23,722	44,400
Total liabilities	3,717,053	3,684,884
Commitments and contingencies - Note 13
Shareholders' equity:
Preferred Stock - 100,000,000 shares authorized, no par value; none outstanding	0	0
Common Stock - 100,000,000 shares authorized, no par value; 16,827,168 shares issued and outstanding at September 30, 2026 and 17,057,397 shares issued and outstanding at December 31, 2025	248,374	250,694
Additional paid-in capital	3,199	3,941
Retained earnings	303,994	282,024
Non-controlling interest	72	72
Accumulated other comprehensive loss, net	(21,396)	(13,321)
Total shareholders’ equity	534,243	523,410
Total liabilities and shareholders’ equity	$ 4,251,296	$ 4,208,294

SUBORDINATED DEBENTURES

9 Months Ended

Sep. 30, 2026

Subordinated Borrowings [Abstract]

SUBORDINATED DEBENTURES

Subordinated debentures issued in connection with three separate trust preferred securities totaled $15.5 million and $15.4 million as of September 30, 2026 and December 31, 2025. Pursuant to the terms of our subordinated debentures, 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 subordinated debentures. 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 at September 30, 2026 and are described in detail after the table below:


	Issue Date	Principal Amount		Unamortized Valuation Reserve		Recorded Value		Stated Rate Description	Effective Stated Rate		Stated Maturity
Subordinated debentures:	(dollars in thousands)
TFC Trust	12/22/2006	$	5,155	$	941	$	4,214	Three-month CME Term SOFR plus 0.26% plus 1.65%	5.81	%	3/15/2037
FAIC Trust	12/15/2004	7,217		630		6,587		Three-month CME Term SOFR plus 0.26% plus 2.25%	6.41	%	12/15/2034
PGBH Trust	12/15/2004	5,155		418		4,737		Three-month CME Term SOFR plus 0.26% plus 2.10%	6.26	%	12/15/2034
Total		$	17,527	$	1,989	$	15,538

In 2016, we acquired TFC Statutory Trust (the “TFC Trust”) through the acquisition of Tomato Bank and its holding company, TFC Holding Company. 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 $941,000 at September 30, 2026 and $1.0 million at December 31, 2025. 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 5.81% as of September 30, 2026 and 5.63% at December 31, 2025.

In October 2018, we acquired First American International Statutory Trust I (“FAIC Trust”) through the acquisition of First American International Corp. (“FAIC”). 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 $630,000 at September 30, 2026 and $688,000 at December 31, 2025. 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 6.41% as of September 30, 2026 and 6.23% at December 31, 2025.

In January 2020, we acquired Pacific Global Bank Trust I (“PGBH Trust”) through the acquisition of PGB Holdings, Inc. 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 $418,000 at September 30, 2026 and $456,000 at December 31, 2025. 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 6.26% as of September 30, 2026 and 6.08% at December 31, 2025.

We recognized interest expense on the subordinated debentures of $260,000, $255,000, and $285,000 for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $770,000 and $850,000 for the nine months ended September 30, 2026 and 2025. The aggregate amount of amortization expense was $55,000 for each of the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $165,000 for each of the nine months ended September 30, 2026 and 2025. We were in compliance with all covenants under the subordinated debentures as of September 30, 2026.

For regulatory reporting purposes, the Federal Reserve has indicated that the capital of 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). 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.

INVESTMENT SECURITIES

9 Months Ended

Sep. 30, 2026

Investments, Debt and Equity Securities [Abstract]

INVESTMENT SECURITIES

Our investment portfolio is comprised primarily of U.S. government and SBA agency securities, mortgage-backed securities ("MBS") backed by government-sponsored entities, collateralized mortgage obligations ("CMO"), commercial paper, and municipal tax-exempt 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:


September 30, 2026	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
Available for sale	(dollars in thousands)
Government agency securities	$	18,725	$	12	$	(561)	$	18,176
SBA agency securities	19,437		9		(915)		18,531
MBS: Residential	95,306		—		(8,732)		86,574
MBS: Commercial	10,003		—		(67)		9,936
CMO: Residential	114,623		13		(12,195)		102,441
CMO: Commercial	76,949		116		(2,536)		74,529
Commercial paper	39,722		—		(23)		39,699
Corporate debt securities	24,595		14		(1,518)		23,091
Municipal tax-exempt securities	12,541		—		(4,174)		8,367
Total available for sale	$	411,901	$	164	$	(30,721)	$	381,344

Held to maturity
Municipal tax-exempt securities	$	4,179	$	—	$	(376)	$	3,803
Total held to maturity	$	4,179	$	—	$	(376)	$	3,803


December 31, 2025	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
Available for sale	(dollars in thousands)
Government agency securities	$	22,850	$	34	$	(179)	$	22,705
SBA agency securities	21,326		90		(236)		21,180
MBS: Residential	91,049		634		(4,505)		87,178
MBS: Commercial	5,010		—		(33)		4,977
CMO: Residential	120,475		760		(8,740)		112,495
CMO: Commercial	102,755		183		(2,161)		100,777
Commercial paper	19,948		—		—		19,948
Corporate debt securities	30,165		75		(1,811)		28,429
Municipal tax-exempt securities	12,567		—		(3,052)		9,515
Total available for sale	$	426,145	$	1,776	$	(20,717)	$	407,204

Held to maturity
Municipal tax-exempt securities	$	4,184	$	—	$	(81)	$	4,103
Total held to maturity	$	4,184	$	—	$	(81)	$	4,103

At September 30, 2026 and December 31, 2025, investment securities with a fair value of $45.9 million and $48.7 million were pledged to secure certificates of deposit from the State of California. One security with a fair value of $27,000 and $36,000 at September 30, 2026 and December 31, 2025 was pledged to secure a local agency deposit.

There were no sales of investment securities during the three and nine months ended September 30, 2026 and 2025.

Accrued interest receivable for investment securities at September 30, 2026 and December 31, 2025 totaled $1.5 million and $1.6 million.


	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
September 30, 2026	(dollars in thousands)
Government agency securities	$	658	$	650	$	8,409	$	8,292	$	9,658	$	9,234	$	—	$	—	$	18,725	$	18,176
SBA agency securities	—		—		6,134		5,765		13,303		12,766		—		—		19,437		18,531
MBS: Residential	—		—		19,717		18,894		75,589		67,680		—		—		95,306		86,574
MBS: Commercial	4,993		4,947		5,010		4,989		—		—		—		—		10,003		9,936
CMO: Residential	610		604		71,511		68,630		42,502		33,207		—		—		114,623		102,441
CMO: Commercial	3,430		3,358		31,366		30,797		42,153		40,374		—		—		76,949		74,529
Commercial paper	39,722		39,699		—		—		—		—		—		—		39,722		39,699
Corporate debt securities	2,003		1,999		11,371		10,948		7,650		7,434		3,571		2,710		24,595		23,091
Municipal tax-exempt securities	—		—		—		—		1,077		820		11,464		7,547		12,541		8,367
Total AFS	$	51,416	$	51,257	$	153,518	$	148,315	$	191,932	$	171,515	$	15,035	$	10,257	$	411,901	$	381,344

Municipal tax-exempt securities	$	—	$	—	$	1,741	$	1,633	$	2,438	$	2,170	$	—	$	—	$	4,179	$	3,803
Total HTM	$	—	$	—	$	1,741	$	1,633	$	2,438	$	2,170	$	—	$	—	$	4,179	$	3,803

December 31, 2025
Government agency securities	$	65	$	65	$	22,785	$	22,640	$	—	$	—	$	—	$	—	$	22,850	$	22,705
SBA agency securities	—		—		6,496		6,456		14,830		14,724		—		—		21,326		21,180
MBS: Residential	—		—		26,636		26,537		64,413		60,641		—		—		91,049		87,178
MBS: Commercial	—		—		5,010		4,977		—		—		—		—		5,010		4,977
CMO: Residential	6,198		6,248		68,422		68,100		45,855		38,147		—		—		120,475		112,495
CMO: Commercial	6,629		6,591		51,805		51,365		44,321		42,821		—		—		102,755		100,777
Commercial paper	19,948		19,948		—		—		—		—		—		—		19,948		19,948
Corporate debt securities	4,022		4,006		8,903		8,733		14,650		13,756		2,590		1,934		30,165		28,429
Municipal tax-exempt securities	—		—		—		—		1,081		921		11,486		8,594		12,567		9,515
Total AFS	$	36,862	$	36,858	$	190,057	$	188,808	$	185,150	$	171,010	$	14,076	$	10,528	$	426,145	$	407,204

Municipal tax-exempt securities	$	—	$	—	$	860	$	857	$	2,817	$	2,742	$	507	$	504	$	4,184	$	4,103
Total HTM	$	—	$	—	$	860	$	857	$	2,817	$	2,742	$	507	$	504	$	4,184	$	4,103


	Less than Twelve Months					Twelve Months or More					Total
	Fair Value		Unrealized Losses		# of Issuances	Fair Value		Unrealized Losses		# of Issuances	Fair Value		Unrealized Losses		# of Issuances
September 30, 2026	(dollars in thousands)
Government agency securities	$	9,883	$	(433)	3	$	4,497	$	(128)	2	$	14,380	$	(561)	5
SBA agency securities	14,129		(659)		5	2,541		(256)		5	16,670		(915)		10
MBS: Residential	63,072		(3,125)		19	23,502		(5,607)		15	86,574		(8,732)		34
MBS: Commercial	9,936		(67)		2	—		—		—	9,936		(67)		2
CMO: Residential	51,325		(1,517)		15	45,203		(10,678)		23	96,528		(12,195)		38
CMO: Commercial	4,106		(21)		1	47,376		(2,515)		21	51,482		(2,536)		22
Commercial paper	24,705		(23)		4	—		—		—	24,705		(23)		4
Corporate debt securities	2,944		(56)		3	15,626		(1,462)		16	18,570		(1,518)		19
Municipal tax-exempt securities	—		—		—	8,367		(4,174)		11	8,367		(4,174)		11
Total AFS	$	180,100	$	(5,901)	52	$	147,112	$	(24,820)	93	$	327,212	$	(30,721)	145

Municipal tax-exempt securities	$	1,521	$	(109)	4	$	2,282	$	(267)	5	$	3,803	$	(376)	9
Total HTM	$	1,521	$	(109)	4	$	2,282	$	(267)	5	$	3,803	$	(376)	9


	Less than Twelve Months					Twelve Months or More					Total
	Fair Value		Unrealized Losses		# of Issuances	Fair Value		Unrealized Losses		# of Issuances	Fair Value		Unrealized Losses		# of Issuances
December 31, 2025	(dollars in thousands)
Government agency securities	$	1,749	$	(6)	1	$	6,572	$	(173)	3	$	8,321	$	(179)	4
SBA agency securities	7,654		(93)		3	2,962		(143)		5	10,616		(236)		8
MBS: Residential	14,196		(91)		4	27,573		(4,414)		15	41,769		(4,505)		19
MBS: Commercial	4,977		(33)		1	—		—		—	4,977		(33)		1
CMO: Residential	3,130		(1)		1	53,195		(8,739)		24	56,325		(8,740)		25
CMO: Commercial	13,947		(31)		4	49,366		(2,130)		21	63,313		(2,161)		25

Corporate debt securities	—		—		—	22,577		(1,811)		24	22,577		(1,811)		24
Municipal tax-exempt securities	—		—		—	9,515		(3,052)		11	9,515		(3,052)		11
Total AFS	$	45,653	$	(255)	14	$	171,760	$	(20,462)	103	$	217,413	$	(20,717)	117

Municipal tax-exempt securities	$	—	$	—	—	$	3,663	$	(81)	8	$	3,663	$	(81)	8
Total HTM	$	—	$	—	—	$	3,663	$	(81)	8	$	3,663	$	(81)	8

The securities that were in an unrealized loss position at September 30, 2026 and December 31, 2025 were evaluated to determine whether the decline in fair value below the amortized cost basis resulted from a credit loss or other factors. We concluded that the unrealized losses were primarily attributed to yield curve movement. All SBA agency securities, mortgage-backed securities, and collateralized mortgage obligations are issued by government or government sponsored entities and have the support of the U.S. federal government. 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 do not expect to be required to sell securities that have declined below their cost before their anticipated recovery. As of September 30, 2026 and December 31, 2025, all of our HTM securities were rated “AA-” or above. Based on this evaluation, no ACL was recorded as of September 30, 2026 and December 31, 2025, against HTM or AFS securities, and there was no provision for credit losses recognized for the three months and nine months ended September 30, 2026 and 2025.

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 30, 2026
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

DEPOSITS

9 Months Ended

Sep. 30, 2026

Deposits [Abstract]

DEPOSITS

At September 30, 2026, the scheduled maturities of time deposits are as follows:


	$250,000 and under		Greater than $250,000		Total
At September 30, 2026	(dollars in thousands)
Remainder of 2026	$	317,137	$	406,615	$	723,752
2027	434,815		437,686		872,501
2028	2,727		965		3,692
2029	449		—		449
2030 and thereafter	381		—		381
Total	$	755,509	$	845,266	$	1,600,775

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. Wholesale time deposits totaled $61.5 million at September 30, 2026 and $225.7 million at December 31, 2025. Brokered time deposits were $770,000 at September 30, 2026 and $145.5 million at December 31, 2025. Collateralized deposits from the State of California totaled $40.0 million at both September 30, 2026 and at December 31, 2025. Time deposits acquired through internet listing services totaled $20.7 million at September 30, 2026 and $40.2 million at December 31, 2025.

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 insurance limit through the Certificate of Deposit Account Registry Service (“CDARS”) and Insured Cash Sweeps (“ICS”) programs. Time deposits held through the CDARS program were $136.0 million at September 30, 2026 and $128.3 million at December 31, 2025. ICS deposits totaled $148.7 million at September 30, 2026 and $156.3 million at December 31, 2025.

LEASES - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended			9 Months Ended
LEASES - Narrative (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Jun. 30, 2026	Sep. 30, 2025	Sep. 30, 2026	Sep. 30, 2025
Leases [Abstract]
Operating lease, rental expense	$ 1,500	$ 1,500	$ 1,500	$ 4,400	$ 4,400
Operating lease, rental income	$ 131	$ 164	$ 161	$ 452	$ 478

LOAN SERVICING - Schedule of Principal Balances of Mortgage and SBA Loans Serviced for Others (Details) - USD ($) $ in Thousands	Sep. 30, 2026	Dec. 31, 2025
Single-family residential mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans serviced for others	$ 746,083	$ 833,704
SBA
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans serviced for others	96,642	90,364
Construction and land development
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans serviced for others	9,742	9,018
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans serviced for others	$ 2,392	$ 2,420

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

STOCK-BASED COMPENSATION

9 Months Ended

Sep. 30, 2026

Share-Based Payment Arrangement [Abstract]

STOCK-BASED COMPENSATION

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 2022 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 is permitted to grant awards to eligible persons, including

employees and directors, in the form of qualified and nonqualified 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 September 30, 2026, there were 778,136 shares of common stock available for issuance under the Amended OSIP. This represents 4.6% of the issued and outstanding shares of the Company’s common stock as of September 30, 2026. 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 eligible persons 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 $9,000 for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $28,000 and $35,000 for the nine months ended September 30, 2026 and 2025. Unrecognized stock-based compensation expense related to stock options was $45,000 as of September 30, 2026 and is expected to be recognized over the next 0.9 years.

The fair value of each option grant was estimated on the date of grant using the Black-Scholes option pricing model. Assumptions in the model include expected volatility, expected term, expected dividends and a risk-free rate of return. 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. No stock options have been granted or valued since March 31, 2023.

The table below presents a summary of our stock options awards and activity as of and for the nine months ended September 30, 2026.


	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	151,000	$	18.37

Exercised	(62,500)	18.32
Forfeited/cancelled	(2,000)	18.32
Outstanding at end of period	86,500	$	18.42	4.51	$	659

Options exercisable	74,500	$	17.97	4.23	$	600

The total fair value of the options vested was $0 and $63,000 during the nine months ended September 30, 2026 and 2025. Unvested stock options totaled 12,000 with a weighted average grant date fair value of $6.16 as of September 30, 2026 and December 31, 2025.

For the nine months ended September 30, 2026, the cash received from the exercise of stock options was $1.1 million with an intrinsic value of $416,000. For the nine months ended September 30, 2025, the cash received from the exercise of stock options was $171,000 with an intrinsic value of $1,000.

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”). The PRSUs are subject to pre-established performance metrics, which may also include a market condition, that will be measured in the future and subject to oversight and approval by the Board of Director’s Compensation Committee. The TRSUs have original lives ranging from 1 to 4 years, or may vest immediately, and PRSUs have an original life of 3 years. The RSUs granted during the nine months ended September 30, 2026 included 10,675 PRSUs with a performance metric subject to a market condition and grant date fair value per share of $24.08.

The following table presents RSUs activity during the nine months ended September 30, 2026.


	RSUs	Weighted-Average Grant Date Fair Value Per Share
Outstanding at beginning of year	191,091	$	16.66
Granted (1)	104,925	23.71
Vested (1)	(76,861)	18.42
Forfeited/cancelled	(2,145)	16.07
Outstanding at end of period	217,010	$	19.45

(1)Includes 15,832 RSUs awarded to members of the Board of Directors, which immediately vested.

The recorded compensation expense for RSUs was $391,000, $478,000 and $262,000 for the three months ended September 30, 2026, June 30, 2026, and September 30, 2025, and $1.1 million and $1.0 million for the nine months ended September 30, 2026 and 2025. As of September 30, 2026, unrecognized stock-based compensation expense related to RSUs totaled $3.2 million and is expected to be recognized over the next 2.5 years.