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Income Taxes - Components (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2021 | Dec. 31, 2020 | Dec. 31, 2019
Components of income tax expense (benefit) |  |  |
Current federal | $ 750 | $ 6,269 | $ 4,815
Current state | 594 | 3,960 | 1,151
Deferred federal | 4,445 | (135) | 3,177
Deferred state | 2,034 | (511) | 3,259
Total tax at effective tax rate | 7,823 | 9,583 | $ 12,402
Deferred tax assets |  |  |
Allowance for credit losses | 15,601 | 11,058 |
Deferred compensation | 1,378 | 1,093 |
Goodwill amortization/impairment | 980 | 2,212 |
Stock based compensation | 971 | 1,356 |
Business combination adjustments | 940 | 255 |
OREO write downs | 573 | 614 |
Federal recognized built-in loss ("RBIL") carryforward | 493 | 142 |
State net operating loss and RBIL carryforward |  | 60 |
Other assets | 2,129 | 2,182 |
Total deferred tax assets | 23,065 | 18,972 |
Deferred tax liabilities |  |  |
Accumulated depreciation on premises and equipment | (1,701) | (1,237) |
Mortgage servicing rights | (2,113) | (1,261) |
Amortization of core deposit intangible | (4,550) | (171) |
State tax benefits | (641) | (930) |
Securities | (2,620) |  |
Other liabilities | (1,931) | (1,481) |
Total deferred tax liabilities | (13,556) | (5,080) |
Net deferred tax asset before adjustments related to other comprehensive income | 9,509 | 13,892 |
Tax effect of adjustments related to other comprehensive loss | (3,410) | (5,771) |
Net deferred tax asset | $ 6,099 | $ 8,121 |

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