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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Dec. 31, 2024
Net income $ 8,021 $ 8,397  
Adjustments to reconcile net income to net cash from operating activities      
Provision for credit losses 1,592 1,399  
Depreciation, amortization and accretion 2,337 2,835  
Compensation expense related to stock options and restricted stock awards 512 395  
Earnings on cash surrender value of BOLI (250) (240)  
Gain on sale of loans held for sale (1,700) (1,838)  
Gain on sale of MSRs 0 (8,215)  
Loss on sale of investment securities, net 0 7,998  
Change in fair value on portfolio loans measured under the fair value option (263) (2)  
Origination of loans held for sale (84,728) (109,554)  
Proceeds from sale of loans held for sale 93,068 94,874  
Gain on purchase of tax credits (660) 0  
Purchase of tax credits (7,587) 0  
(Recovery) impairment of MSRs (9) 93  
Changes in operating assets and liabilities      
Accrued interest receivable (525) (450)  
Other assets 1,932 (496)  
Other liabilities (3,564) 5,079  
Net cash from operating activities 8,176 275  
CASH FLOWS (USED BY) FROM INVESTING ACTIVITIES      
Proceeds from sale of investment securities 0 44,036  
Maturities, prepayments, and calls 6,278 4,293  
Purchases (13,049) (38,009)  
Purchases (2,000) 0  
Maturities of certificates of deposit at other financial institutions 493 1,925  
Purchase of certificates of deposit at other financial institutions 0 (980)  
Portfolio loan originations and principal collections, net (9,916) (8,224)  
Proceeds from sale of MSRs 0 16,168  
Purchase of portfolio loans 0 (15,492)  
Purchase of premises and equipment (350) (357)  
Change in FHLB stock, net 10,365 (795)  
Net cash (used by) from investing activities (8,179) 2,565  
CASH FLOWS FROM (USED BY) FINANCING ACTIVITIES      
Net increase (decrease) in deposits 275,722 (57,083)  
Proceeds from borrowings 152,999 175,000  
Repayments of borrowings (392,000) (138,806)  
Dividends paid on common stock (2,189) (2,031)  
Disbursements from stock options exercised, net 0 (507)  
Issuance of common stock - employee stock purchase plan 336 302  
Common stock repurchased (3,759) 0  
Net cash from (used by) financing activities 31,109 (23,125)  
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 31,106 (20,285)  
CASH AND CASH EQUIVALENTS, beginning of period 31,635 65,691 $ 65,691
CASH AND CASH EQUIVALENTS, end of period 62,741 45,406 $ 31,635
SUPPLEMENTARY DISCLOSURES OF CASH FLOW INFORMATION      
Interest on deposits and borrowings 14,902 12,087  
Income taxes 34 0  
SUPPLEMENTARY DISCLOSURES OF NONCASH OPERATING, INVESTING AND FINANCING ACTIVITIES      
Change in fair value on available-for-sale investment securities 3,496 5,446  
Change in fair value on fair value and cash flow hedges (3,258) 3,324  
Retention in gross MSRs from loan sales $ 308 $ 576