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Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
INTEREST INCOME    
Interest and fees on loans $ 31,154 $ 38,346
Interest on securities, deposit accounts, and federal funds sold 4,196 4,185
Total interest income 35,350 42,531
INTEREST EXPENSE    
Interest on deposits 14,192 18,485
Interest on subordinated notes 736 560
Interest on FHLB and FRB borrowings 1,432 3,137
Total interest expense 16,360 22,182
Net interest income 18,990 20,349
Recovery of credit losses - loans 0 0
Recovery of credit losses - unfunded commitments 0 (1,000)
Total recovery of credit losses 0 (1,000)
Net interest income after recovery of credit losses 18,990 21,349
NONINTEREST INCOME    
Fair value adjustments of other equity investments (73) (7)
Residential mortgage banking income 956 2,664
Mortgage servicing rights 2 729
Wealth and trust management 454 520
Service charges on deposit accounts 457 361
Increase in cash surrender value of bank owned life insurance 8 337
Bank and purchase card, net 567 242
Other 701 2,942
Total noninterest income 3,072 7,788
NONINTEREST EXPENSE    
Salaries and employee benefits 12,610 16,045
Occupancy and equipment 1,381 1,524
Technology and communication 2,784 2,279
Legal and regulatory filings 439 447
Advertising and marketing 191 297
Audit fees 578 1,155
FDIC insurance 1,097 1,377
Intangible amortization 244 287
Other contractual services 595 1,809
Other taxes and assessments 921 943
Regulatory remediation 0 2,644
Other 2,111 3,630
Total noninterest expense 22,951 32,437
Income (loss) before income tax (889) (3,300)
Income tax benefit (455) (407)
Net loss $ (434) $ (2,893)
Basic loss per common share $ (0.01) $ (0.15)
Diluted loss per common share $ (0.01) $ (0.15)