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Federal Home Loan Bank Advances and Other Borrowings

6 Months Ended

Jun. 30, 2026

Advance from Federal Home Loan Bank [Abstract]

Federal Home Loan Bank Advances and Other Borrowings

Federal Home Loan Bank Advances and Other Borrowings

The following table presents details of outstanding FHLB advances and other borrowings as of the dates indicated:

												Weighted-Average
($ in thousands)						Amount						Interest Rate						Remaining Term
June 30, 2026
Overnight federal funds lines						$	10,000					3.90		%
FHLB advances
Fixed term						$	50,000					3.93		%				6 days
Overnight						30,000						4.08		%
Total FHLB advances						$	80,000					3.99		%
December 31, 2025
FHLB advances
Overnight						$	34,000					4.02		%
Total FHLB advances						$	34,000					4.02		%

FHLB Advances

At June 30, 2026 and December 31, 2025, loans pledged to secure borrowings from the FHLB were $1.17 billion and $1.12 billion, respectively. The Company’s investment in capital stock of the FHLB of San Francisco totaled $15.0 million and $14.8 million at June 30, 2026 and December 31, 2025, respectively. The Company had additional borrowing capacity of $768.8 million and $840.6 million at June 30, 2026 and December 31, 2025, respectively.

Federal Reserve Discount Window

At June 30, 2026 and December 31, 2025, loans pledged to secure borrowings from the Federal Reserve Discount Window were $1.21 billion and $1.05 billion, respectively. The Company had additional borrowing capacity of $971.4 million and $841.6 million at June 30, 2026 and December 31, 2025, respectively.

Overnight Federal Funds Lines

The Company maintains overnight federal funds lines with correspondent financial institutions. The Company had available borrowing capacity of $55.0 million and $65.0 million at June 30, 2026 and December 31, 2025, respectively.

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- References

No definition available.

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- Definition

The entire disclosure for borrowing from the Federal Home Loan Bank, including: (i) general description; (ii) title and nature of obligation; (iii) interest rate; (iv) payment terms; (v) maturity dates by year; (vi) collateral requirements; (vii) restrictive covenants; (viii) priority; (ix) conversion or redemption features; (x) carrying value of assets pledged as collateral; (xi) combined aggregate maturities for next five years; (xii) unused or available balances.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 470
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478878/942-470-45-1

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477734/942-470-50-3

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-SubTopic 10
-Topic 470
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481544/470-10-50-1

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