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Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands | Dec. 31, 2024 | Dec. 31, 2023
--- | --- | ---
Deferred tax assets: |  |
Purchase accounting adjustments from mergers with County and Community Shores | $ 273 | $ 529
Allowance for credit losses | 3,476 | 3,294
Unrealized losses on securities available for sale | 14,942 | 15,279
Net operating loss carryforward | 427 | 466
Unfunded commitment reserve | 312 | 454
Compensation | 816 | 588
Other | 658 | 520
Total deferred tax assets | 20,904 | 21,130
Deferred tax liabilities: |  |
Purchase accounting adjustments from mergers with County and Community Shores | 442 | 622
Loan servicing rights | 709 | 805
Depreciation | 637 | 534
Interest rate derivative contracts | 4,900 | 1,568
Deferred loan fees and costs, net | 67 | 75
Other | 384 | 363
Total deferred tax liabilities | 7,139 | 3,967
Net deferred tax asset (liability) | $ 13,765 | $ 17,163

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