Howard Bancorp (HBMD) 10-K 16 Mar 20 2019 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Feb. 27, 2020	Jun. 28, 2019
Document And Entity Information
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Entity Registrant Name	Howard Bancorp Inc
Entity Central Index Key	0001390162
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Public Float			$ 208.7
Trading Symbol	HBMD
Entity Common Stock, Shares Outstanding		18,714,844
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Shell Company	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 12,992	$ 14,860
Interest-bearing deposits with banks	96,985	86,638
Total cash and cash equivalents	109,977	101,498
Securities available for sale, at fair value	215,505	223,858
Securities held to maturity, at amortized cost	7,750	9,250
Nonmarketable equity securities	14,152	11,786
Loans held for sale, at fair value	30,710	21,261
Loans and leases, net of unearned income	1,745,513	1,649,751
Allowance for credit losses	(10,401)	(9,873)
Net loans and leases	1,735,112	1,639,878
Bank premises and equipment, net	42,724	45,137
Goodwill	65,949	70,697
Core deposit intangible	8,469	11,482
Bank owned life insurance	75,830	74,153
Other real estate owned	3,098	4,392
Deferred tax assets, net	36,010	35,285
Interest receivable and other assets	29,333	17,837
Total assets	2,374,619	2,266,514
LIABILITIES
Noninterest-bearing deposits	468,975	429,200
Interest-bearing deposits	1,245,390	1,256,606
Total deposits	1,714,365	1,685,806
Short-term borrowings	236,127	134,576
Long-term borrowings	83,241	142,077
Accrued expenses and other liabilities	26,738	9,372
Total liabilities	2,060,471	1,971,831
COMMITMENTS AND CONTINGENCIES
STOCKHOLDERS' EQUITY
Common stock - par value of $0.01 authorized 20,000,000 shares; issued and outstanding 19,066,913 shares at December 31, 2019 and 19,039,347 at December 31, 2018	191	190
Capital surplus	276,156	275,843
Retained earnings	35,158	18,277
Accumulated other comprehensive income	2,643	373
Total stockholders' equity	314,148	294,683
Total liabilities and stockholders' equity	$ 2,374,619	$ 2,266,514

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2019	Dec. 31, 2018
Consolidated Balance Sheets
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	19,066,913	19,039,347
Common stock, shares outstanding	19,066,913	19,039,347

Consolidated Statements of Oper

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
INTEREST INCOME
Interest and fees on loans and leases	$ 83,555	$ 75,009	$ 41,213
Interest and dividends on securities	6,785	4,297	1,416
Other interest income	1,094	1,083	397
Total interest income	91,434	80,389	43,026
INTEREST EXPENSE
Deposits	15,462	8,540	3,997
Short-term borrowings	3,441	2,327	876
Long-term borrowings	3,221	2,904	294
Total interest expense	22,124	13,771	5,167
NET INTEREST INCOME	69,310	66,618	37,859
Provision for credit losses	4,193	6,091	1,831
Net interest income after provision for credit losses	65,117	60,527	36,028
NONINTEREST INCOME
Service charges on deposit accounts	2,747	2,216	923
Realized and unrealized gains on mortgage banking activity	7,798	5,245	11,035
Gain (loss) on the sale of securities	645	(364)
Gain on the sale of portfolio loans			86
Loss on the disposal of bank premises & equipment	(70)	(345)	(13)
Income from bank owned life insurance	1,858	1,614	760
Loan related fees and service charges	3,934	5,624	5,722
Other operating income	4,122	3,870	1,011
Total noninterest income	21,034	17,860	19,524
NONINTEREST EXPENSE
Compensation and benefits	32,056	33,674	23,573
Occupancy and equipment	9,076	10,650	4,154
Amortization of core deposit intangible	3,013	2,856	505
Marketing and business development	2,339	3,338	4,231
Professional fees	2,954	2,471	1,968
Data processing fees	4,914	4,037	2,038
Merger and restructuring expense	0	15,549	567
FDIC assessment	667	1,268	650
Other real estate owned	845	500	655
Loan production expense	2,700	3,523	3,743
Other operating expense	5,514	5,246	3,116
Total noninterest expense	64,078	83,112	45,200
INCOME (LOSS) BEFORE INCOME TAXES	22,073	(4,725)	10,352
Income tax (benefit) expense	5,192	(897)	3,152
NET INCOME (LOSS)	$ 16,881	$ (3,828)	$ 7,200
NET INCOME (LOSS) PER COMMON SHARE
Basic	$ 0.89	$ (0.22)	$ 0.75
Diluted	$ 0.89	$ (0.22)	$ 0.75

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Consolidated Statements of Comprehensive Income
Net Income (Loss)	$ 16,881	$ (3,828)	$ 7,200
Other comprehensive income (loss) Investments available-for-sale:
Reclassification adjustment for (gain) loss	(645)	364
Related income tax	177	(100)
Unrealized holding gains (losses)	3,778	602	(217)
Related income tax (expense) benefit	(1,040)	(156)	30
Comprehensive income (loss)	$ 19,151	$ (3,118)	$ 7,013

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common stock	Capital surplus	Retained earnings	Accumulated other comprehensive (loss) income	Total
Balance at Dec. 31, 2016	$ 70	$ 71,021	$ 14,849	$ (150)	$ 85,790
Balance (in shares) at Dec. 31, 2016	6,991,072
Net income			7,200		7,200
Other comprehensive gain (loss)				(187)	(187)
Reclassification of tax effects resulting from the Tax Cuts and Jobs Act			56		56
Common stock offering	$ 28	38,355			38,383
Common stock offering (in shares)	2,760,000
Director stock awards		205			205
Director stock awards (in shares)	11,404
Exercise of options		316			316
Exercise of options (in shares)	27,113
Stock-based compensation		490			490
Stock-based compensation (in shares)	31,003
Balance at Dec. 31, 2017	$ 98	110,387	22,105	(337)	132,253
Balance (in shares) at Dec. 31, 2017	9,820,592
Net income			(3,828)		(3,828)
Other comprehensive gain (loss)				710	710
Acquisition of First Mariner Bank	$ 92	164,486			164,578
Acquisition of First Mariner Bank (in shares)	9,143,222
Director stock awards		217			217
Director stock awards (in shares)	11,868
Exercise of options		97			97
Exercise of options (in shares)	9,123
Stock-based compensation		656			656
Stock-based compensation (in shares)	54,542
Balance at Dec. 31, 2018	$ 190	275,843	18,277	373	294,683
Balance (in shares) at Dec. 31, 2018	19,039,347
Net income			16,881		16,881
Other comprehensive gain (loss)				2,270	2,270
Director stock awards		127			127
Director stock awards (in shares)	9,202
Exercise of options	$ 1	115			116
Exercise of options (in shares)	13,418
Employee stock purchase plan		280			280
Employee stock purchase plan (in shares)	19,539
Repurchased shares		(322)			(322)
Repurchased shares (in shares)	(19,764)
Stock-based compensation		113			113
Stock-based compensation (in shares)	5,171
Balance at Dec. 31, 2019	$ 191	$ 276,156	$ 35,158	$ 2,643	$ 314,148
Balance (in shares) at Dec. 31, 2019	19,066,913

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income (Loss)	$ 16,881	$ (3,828)	$ 7,200
Adjustments to reconcile net income (loss) to net cash from operating activities:
Provision for credit losses	4,193	6,091	1,831
Deferred income tax (benefit)	3,160	(3,468)	(1,132)
Provision for other real estate owned	473	352	581
Depreciation and amortization	2,348	2,188	1,287
Stock-based compensation	240	873	695
Net accretion of discount on purchased loans	(1,640)	(2,313)	(575)
(Gain) loss on sale of securities	(645)	364
Loss on sale of premises and equipment	70	345	13
Net amortization of intangible asset	3,013	2,856	505
Loans originated for sale	(573,306)	(586,385)	(673,448)
Proceeds from sale of loans originated for sale	571,656	640,710	693,384
Realized and unrealized gains on mortgage banking activity	(7,798)	(5,245)	(11,035)
Gain on sale of other real estate owned, net	(28)	(64)	(12)
Cash surrender value of BOLI	(1,858)	(1,614)	(760)
Decrease (increase) in other assets	2,044	5,041	(2,044)
Increase (decrease) in other liabilities	1,618	(1,091)	417
Other - net	140	(1)	(5)
Net cash provided by operating activities	20,561	54,811	16,902
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from maturities of interest bearing deposits with banks			19,513
Purchases of investment securities	(102,748)	(193,805)	(62,347)
Proceeds from sale,maturities and calls of investment securities	115,758	169,291	23,520
Net increase in loans and leases outstanding	(99,177)	(49,995)	(120,321)
Purchase of bank owned life insurance			(6,500)
Proceeds from the sale of other real estate owned	2,238	1,088	232
Proceeds from the sale of portfolio loans			3,798
Purchase of premises and equipment	(1,429)	(1,943)	(409)
Proceeds from the sale of premises and equipment	2,092	5,161
Cash acquired in acquisition		38,889
Net cash used in investing activities	(83,266)	(31,314)	(142,514)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	28,559	115,463	55,174
Net increase (decrease) in short-term borrowings	101,551	(180,829)	23,329
Proceeds from issuance of long-term debt	55,000	123,543	15,016
Repayment of long-term debt	(114,000)		(17,000)
Net proceeds from issuance of common stock, net of cost	396	97	38,699
Cash consideration paid in acquisition		(9,245)
Repurchase of common stock	(322)
Net cash provided by financing activities	71,184	49,029	115,218
Net increase (decrease) in cash and cash equivalents	8,479	72,526	(10,394)
Cash and cash equivalents at beginning of period	101,498	28,972	39,366
Cash and cash equivalents at end of period	109,977	101,498	28,972
SUPPLEMENTAL INFORMATION
Cash payments for interest	22,341	13,123	5,044
Cash payments for income taxes	135		3,440
Transferred from loans to other real estate owned	1,389	917
Cash payments for operating leases	1,337	3,159	$ 1,995
Assets acquired in business combination (net of cash received)		971,431
Liabilities assumed in business combination		$ 897,569
Lease liabilities arising from obtaining right of use assets (see Note 11)	18,009
Goodwill reduction for adjustments to acquired net deferred tax assets	$ 4,748

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
Summary of Significant Accounting Policies
Summary of Significant Accounting Policies	Note 1: Summary of Significant Accounting Policies Nature of Operations Howard Bancorp, Inc. (“Bancorp” or the “Company”) was incorporated in April 2005 under the laws of the State of Maryland. On December 15, 2005, Bancorp acquired all of the stock of Howard Bank (the “Bank”) pursuant to the Plan of Reorganization approved by the stockholders of the Bank and by federal and state regulatory agencies. Each share of the Bank’s common stock was converted into two shares of Bancorp common stock effected by the filing of Articles of Exchange on that date, and the stockholders of the Bank became the stockholders of Bancorp. Bancorp is now a bank holding company registered under the Bank Holding Company Act of 1956, with a single bank subsidiary, Howard Bank, which operates as a state trust company with commercial banking powers regulated by the Maryland Office of the Commissioner of Financial Regulation (the “Commissioner”). The Bank has nine subsidiaries-six were formed to hold foreclosed real estate (three of which are currently inactive), two own and manage real estate used for corporate purposes, and one holds historic tax credit investments. The Company is a diversified financial services company providing commercial banking, mortgage banking and consumer finance through banking branches, the internet and other distribution channels to businesses, business owners, professionals and other consumers located primarily in the Greater Baltimore Metropolitan Area. Basis of Presentation The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (“GAAP”) and prevailing practices within the financial services industry for financial information. Principles of Consolidation The consolidated financial statements include the accounts of Bancorp, the Bank and the Bank’s subsidiaries. All significant intercompany accounts and transactions have been eliminated. The parent company only financial statements report investments in the Bank under the equity method. Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant changes in the near-term relate to the determination of the allowance for credit losses, goodwill, deferred tax assets, other-than-temporary impairment of investment securities and the fair value of loans held for sale. Segment Information The Company has one reportable segment, “Community Banking.” All of the Company’s activities are interrelated, and each activity is dependent and assessed based on how each of the activities of the Company supports the others. For example, lending is dependent upon the ability of the Bank to fund itself with deposits and other borrowings and manage interest rate and credit risk. Accordingly, all significant operating decisions are based upon analysis of the Company as one segment or unit. Cash and Cash Equivalents Cash and cash equivalents include cash on hand, amounts due from banks, cash items in the process of clearing, federal funds sold, and interest-bearing deposits with banks with original maturities of less than 90 days. Generally, federal funds are sold as overnight investments. Investment Securities Debt securities not classified as held-to-maturity are classified as available-for-sale. Investments held-to-maturity represents securities that the Company has both the intent and ability to hold until maturity. Securities available-for-sale are acquired as part of the Bank's asset/liability management strategy and may be sold in response to changes in interest rates, loan demand, changes in prepayment risk and other factors. Securities available-for-sale are carried at estimated fair value, with unrealized gains or losses based on the difference between amortized cost and fair value reported as accumulated other comprehensive income (loss), net of deferred taxes, a separate component of stockholders’ equity, when appropriate. Realized gains and losses, using the specific identification method, are included as a separate component of noninterest income. Related interest and dividends are included in interest income. Premiums and discounts on held-to-maturity investments are amortized to interest income using the effective interest method. Declines in the fair value of individual securities below their amortized cost that are other-than-temporary result in write-downs of the individual securities to their fair value. Factors affecting the determination of whether an other-than-temporary impairment has occurred include a downgrading of the security by a rating agency, a significant deterioration in the financial condition of the issuer, or a change in management’s intent and ability to hold a security for a period of time sufficient to allow for any anticipated recovery in fair value. Nonmarketable Equity Securities Nonmarketable equity securities include equity securities that are not publicly traded or are held to meet regulatory requirements such as Federal Home Loan Bank of Atlanta (“FHLB”) stock. These securities are accounted for at cost and evaluated for impairment each reporting period. Due to redemptive provisions of the FHLB, cost approximates fair value. Marketable Equity Securities Marketable equity securities are carried at estimated fair value based on quoted prices. Changes in fair value of marketable equity securities are recognized in net income. At December 31, 2019 and 2018, marketable equity securities amounted to $4.0 million and $3.7 million, respectively, and are included in the interest receivable and other assets caption of the consolidated balance sheet. Derivative Instruments and Hedging Activity Interest Rate Swaps The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. These interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this activity do not meet the strict hedge accounting requirements, changes in fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. By using derivative instruments, the Company is exposed to credit and market risk. If the counterparty fails to perform, credit risk is equal to the fair value gain in a derivative. When the fair value of a derivative contract is positive, this situation generally indicates that the counterparty is obligated to pay the Company, and, therefore, creates a repayment risk for the Company. When the fair value of a derivative contract is negative, the Company is obligated to pay the counterparty and therefore, has no repayment risk. The Company minimizes the credit risk in derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by the Company. The Company recognizes the fair value of derivatives as assets or liabilities in the financial statements. The accounting for the changes in the fair value of a derivative depends on the intended use of the derivative instrument at inception. The change in fair value of the effective portion of cash flow hedges is accounted for in other comprehensive income rather than net income. Changes in fair value of derivative instruments that are not intended as a hedge are accounted for in the net income in the period of the change (see Derivatives and Hedging Activities footnote for further disclosure). Interest Rate Lock Commitments In connection with its mortgage banking activities, the Company enters into commitments to originate residential mortgage loans whereby the interest rate on the loan is determined prior to funding (i.e. rate lock commitment). Such rate lock commitments on mortgage loans to be sold in the secondary market are considered to be derivatives. The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 15 to 60 days. The Company protects itself from changes in interest rates through the use of best efforts forward delivery commitments, whereby the Company commits to sell a loan at a premium at the time the borrower commits to an interest rate with the intent that the buyer has assumed interest rate risk on the loan. For purposes of calculating fair value of rate lock commitments, the Bank estimates loan closing and investor delivery rate based on historical experience. The measurement of the estimated fair value of the rate lock commitments is presented as realized and unrealized gains from mortgage banking activities with the corresponding balance sheet amount presented within other assets. Loans Held For Sale The Company engages in sales of residential mortgage loans originated by the Bank. Loans held for sale are carried at fair value. Fair value is based on outstanding investor commitments or, in the absence of such commitments, on current investor yield requirements based on third party models. The Company elected to measure loans held for sale under the fair value option to better align reported results with the underlying economic changes in value of the loans on the Company’s balance sheet. Changes in the fair value of these loans are recorded in earnings as a component of realized and unrealized gains from mortgage banking activities in noninterest income in the Consolidated Statements of Operations. The Company’s current practice is to sell residential mortgage loans on a servicing released basis, and, therefore, it has no intangible asset recorded for the value of such servicing. Interest on loans held for sale is credited to income based on the principal amounts outstanding. Loans held for sale that were not ultimately sold, but instead were placed into the Bank’s portfolio, are reclassified to loans held for investment and continue to be recorded at fair value. Loans and Leases Loans and leases are stated at their principal balance outstanding, plus deferred origination costs, less unearned discounts and deferred origination fees. Interest on loans and leases is credited to income based on the principal amounts outstanding. Origination fees and costs are amortized to income over the contractual life of the related loans and leases. Generally, accrual of interest on a loan or lease is discontinued when the loan or lease is delinquent more than 90 days unless the collateral securing the loan or lease is sufficient to liquidate the loan. All interest accrued but not collected for loans and leases that are placed on non-accrual or charged-off is reversed against interest income. Interest on these loans and leases is accounted for on the cash basis, until qualifying for return to accrual. Loans and leases are returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured. Management considers loans and leases impaired when, based on current information, it is probable that the Company will not collect all principal and interest payments according to contractual terms. Loans and leases are tested for impairment no later than when principal or interest payments become 90 days or more past due and they are placed on non-accrual. Management also considers the financial condition of the borrower, cash flows of the loan or lease and the value of the related collateral. Impaired loans and leases do not include large groups of smaller balance homogeneous loans and leases such as residential real estate and consumer installment loans which are evaluated collectively for impairment. Loans and leases specifically reviewed for impairment are not considered impaired during periods of “minimal delay” in payment (90 days or less) provided eventual collection of all amounts due is expected. The impairment of a loan or lease may be measured based on the present value of expected future cash flows discounted at the loan or lease’s effective interest rate, or the fair value of the collateral if repayment is expected to be provided by the collateral. Generally, the Company’s impairment on such loans and leases is measured by reference to the fair value of the collateral. Interest income on impaired loans and leases is recognized on the cash basis. The segments of the Company’s loan and lease portfolio are disaggregated to a level that allows management to monitor risk and performance. The commercial real estate (“CRE”) loan segment is further disaggregated into two classes; owner occupied loans and non-owner occupied loans. Non-owner occupied CRE loans, which include loans secured by non-owner occupied nonfarm nonresidential properties, generally have a greater risk profile than owner occupied CRE loans. The residential mortgage loan segment is further disaggregated into two classes: first lien mortgages and second or junior lien mortgages. Acquired Loans Acquired loans are recorded at fair value at the date of acquisition, and accordingly, no allowance for loan losses is transferred to the acquiring entity under the acquisition method. The fair values of loans with evidence of credit deterioration (acquired credit impaired loans) are initially recorded at fair value, but thereafter accounted for differently than purchased, non-credit-impaired loans. For acquired credit impaired loans, the excess of all cash flows estimated to be collectable at the date of acquisition over the initial investment in the acquired credit impaired loan is recognized as interest income, using a level-yield basis over the life of the loan. This amount is referred to as the accretable yield. The acquired credit impaired loan’s contractually-required payments receivable estimated to be in excess of the amount of its future cash flows expected at the date of acquisition is referred to as the non-accretable difference, and is not reflected as an adjustment to the yield, but in the form of a loss accrual or a valuation allowance. Subsequent to the acquisition date, management continues to monitor cash flows on a quarterly basis, to determine the performance of each acquired credit impaired loan in comparison to management’s initial performance expectations. Subsequent decreases in the present value of expected cash flows will be recorded as an increase in the allowance for credit losses through a provision for loan losses. Subsequent significant increases in cash flows result in a reversal of the provision for loan losses to the extent of prior provisions or a reclassification of amount from non-accretable difference to accretable yield, with a positive impact on the accretion of interest income in future periods. Allowance for Credit Losses The allowance for credit losses is maintained at a level believed adequate by management to absorb probable losses inherent in the loan and lease portfolio and is based on the size and current risk characteristics of the loan and lease portfolio, an assessment of individual problem loans and leases, actual loss experience, current economic events in specific industries and geographic areas including unemployment levels and other pertinent factors including general economic conditions. Determination of the allowance is inherently subjective as it requires significant estimates, including the amounts and timing of expected future cash flows on impaired loans and leases, estimated losses on pools of homogenous loans and leases based on historical loss experience and consideration of economic trends, all of which may be susceptible to significant change. Credit losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance. A provision for credit losses is charged to operations based on management’s periodic evaluation of the factors previously mentioned, as well as other pertinent factors. Evaluations are conducted at least quarterly and more often if deemed necessary. The allowance for credit losses consists of a specific component and a nonspecific component. The components of the allowance for credit losses represent an estimation done pursuant to either the Financial Accounting Standards Board’s (the “FASB”) Accounting Standards Codification (“ASC”) Topic 450 Contingencies or ASC Topic 310 Receivables . The specific component of the allowance for credit losses reflects expected losses resulting from analysis developed through credit allocations for individual loans and leases. The credit allocations are based on a regular analysis of all loans and leases over a fixed-dollar amount where the internal credit rating is at or below a predetermined classification. The specific component of the allowance for credit losses also includes management’s determination of the amounts necessary given concentrations and changes in portfolio mix and volume. The nonspecific portion of the allowance is determined based on management’s assessment of general economic conditions, as well as economic factors in the individual markets in which the Company operates including the strength and timing of economic cycles and concerns over the effects of a prolonged economic downturn in the current cycle. This determination inherently involves a higher risk of uncertainty and considers current risk factors that may not have yet manifested themselves in the Bank’s historical loss factors used to determine the nonspecific component of the allowance, and it recognizes knowledge of the portfolio may be incomplete. The Bank’s historic loss factors are based upon actual losses incurred by portfolio segment over the preceding 24-month period. In portfolio segments where no actual losses have been incurred within the most recent 24-month period, industry loss data for that portfolio segment, as provided by the Federal Deposit Insurance Corporation (“FDIC”), are utilized. In addition to historic loss factors, the Bank’s methodology for the allowance for credit losses also incorporates other risk factors that may be inherent within the portfolio segments. For each portfolio segment, in addition to the historic loss experience, the other factors that are measured and monitored in the overall determination of the allowance include: · changes in lending policies, procedures, practices or personnel; · changes in the level and composition of construction portfolio and related risks; · changes and migration of classified assets; · changes in exposure to subordinate collateral lien positions; · levels and composition of existing guarantees on loans by the Small Business Administration or other agencies; · changes in national, state and local economic trends and business conditions; · changes and trends in levels of loan and lease payment delinquencies; and · any other factors that management considers relevant to the quality or performance of the loan and lease portfolio. Each of these qualitative risk factors is measured based upon data generated either internally, or in the case of economic conditions utilizing independently provided data on items such as unemployment rates, commercial real estate vacancy rates, or other market data deemed relevant to the business conditions within the markets served. The Company’s loan and lease policies state that after all collection efforts have been exhausted, and the loan or lease is deemed to be a loss, then the remaining loan or lease balance will be charged to the Company’s established allowance for credit losses. All loans and leases are evaluated for loss potential once it has been determined by the Watch Committee that the likelihood of repayment is in doubt. When a loan is past due for at least 90 days or a deterioration in debt service coverage ratio, guarantor liquidity, or loan-to-value ratio has occurred that would cause concern regarding the likelihood of the full repayment of principal and interest, and the loan or lease is deemed not to be well secured, the loan or lease would be moved to non-accrual status and a specific reserve is established if the net realizable value is less than the principal value of the loan balance(s). Once the actual loss value has been determined, a charge-off against the allowance for credit losses for the amount of the loss is taken. Each loss is evaluated on its specific facts regarding the appropriate timing to recognize the loss. Goodwill, Other Intangible Assets and Long-Lived Assets Goodwill represents the excess of the purchase price over the sum of the estimated fair values of tangible and identifiable intangible assets acquired less the estimated fair value of the liabilities assumed. Core deposit intangibles represent the estimated value of long‑term deposit relationships acquired in a business combination. The core deposit intangible is amortized over the estimated useful lives of the long-term deposits acquired, and the remaining amounts of the core deposit intangible are periodically reviewed for impairment. Goodwill has an indefinite useful life and is evaluated for impairment annually or more frequently if events and circumstances indicate that the asset might be impaired. Long-lived assets are those that provide the Company with a future economic benefit beyond the current year or operating period. Long-lived assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset is greater than the fair value of the asset. Assets to be disposed of are reported at the lower of the cost or the fair value, less costs to sell. An impairment analysis is performed annually. Management has determined that Bancorp has one reporting unit, and based upon the annual impairment analysis, it was determined that there was not an impairment of the carrying value of either the goodwill, core deposit intangible or other long-lived assets for 2019. The Company is not aware of any issues that have arisen since our last impairment analysis performed in the fourth quarter of 2019. Business Combinations GAAP requires that the acquisition method of accounting be used for all business combinations and that an acquirer be identified for each business combination. Under GAAP, the acquirer is the entity that obtains control of one or more businesses in the business combination, and the acquisition date is the date the acquirer achieves control. GAAP requires that the acquirer recognize the fair value of assets acquired, liabilities assumed, and any non - controlling interest in the acquired entity at the acquisition date. Other Real Estate Owned Other real estate acquired through, or in lieu of, foreclosure is initially recorded at fair value less estimated cost to sell at the date of acquisition, establishing a new cost basis. Gains or losses arising at the date of acquisition of such properties are charged against the allowance for credit losses. Subsequent to foreclosure, valuations are periodically performed by management and a valuation allowance is established, if necessary, by a charge to noninterest expense if the carrying value of a property exceeds its estimated fair value less estimated costs to sell. Gains and losses realized from the sale of OREO as well as expenses of operation are recorded in noninterest expense. Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation and amortization computed using the straight-line method. Premises and equipment are depreciated over the useful lives of the assets, which generally range from three to 10 years for furniture, fixtures and equipment and three to five years for computer software and hardware. Bank owned premises are depreciated over a range of 20 to 30 years. Leasehold improvements are amortized over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter. The costs of major renewals and betterments are capitalized, while the costs of ordinary maintenance and repairs are included in noninterest expense. Leases The Company determines if an arrangement is a lease at inception. All of the Company’s leases are currently classified as operating leases and are included in other assets and other liabilities on the Company’s Consolidated Balance Sheet. Right-of-use (“ROU”) assets represent the Company’s right to use an underlying asset for the lease term, and lease liabilities represent the Company’s obligation to make lease payments arising from the lease arrangements. Operating lease ROU assets and liabilities are recognized at the lease commencement date based on the present value of the expected future lease payments over the remaining lease term. In determining the present value of future lease payments, the Company uses its incremental borrowing rate based on the information available at the lease commencement date. The operating ROU assets are adjusted for any lease payments made at or before lease commencement date, initial direct costs and any lease incentives received. The Company’s lease terms may include options to extend or terminate the lease when it is reasonably certain that the Company will exercise such options. Lease expense is recognized on a straight line basis over the expected lease term. Lease agreements that include lease and non-lease components, such as common area maintenance charges, are accounted for separately. Income Taxes The Company uses the asset/liability method of accounting for income taxes. Under the asset/liability method, deferred tax assets and liabilities are determined based on differences between the financial statement carrying amounts and the tax bases of existing assets and liabilities (i.e., temporary differences) and are measured at the enacted rates that will be in effect when these differences reverse. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. In addition, deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion or the entire deferred tax asset will not be realized. The Company does not have uncertain tax positions that are deemed material, and did not recognize any adjustments for unrecognized tax benefits. The Company’s policy is to recognize interest and penalties on income taxes in other noninterest expenses. The Company remains subject to examination by federal and state taxing authorities for income tax returns for the years ending after December 31, 2014. Net Income per Common Share Basic net income per common share is computed by dividing net income available to common stockholders by the weighted average number of common shares outstanding during the year. Diluted net income per common share is computed by dividing net income available to common stockholders by the weighted average number of common shares outstanding during the year including any potential dilutive effects of common stock equivalents. Dilutive common stock equivalents consist of stock options and restricted stock units, calculated under the treasury stock method. Share-Based Compensation Compensation cost is recognized for stock options issued to directors and employees. Compensation cost is measured as the fair value of these awards on their date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option awards. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. When an award is granted to an employee who is retirement eligible, the compensation cost of these awards is recognized over the period up to when the director or employee first becomes eligible to retire. Compensation expense for non-vested common stock awards is based on the fair value of the awards, which is generally the market price of the common stock on the measurement date, which, for the Company, is the date of grant, and is recognized ratably over the service period of the award. Off-Balance Sheet Financial Instruments In the ordinary course of business, the Company has entered into off-balance sheet financial instruments consisting of commitments to extend credit. Such financial instruments are recorded in the consolidated balance sheet when they are funded. Potential exposure to loss on commitments to extend credit, if deemed necessary, would be recorded in other liabilities. As noted under Loans Held for Sale, the Company originates and sells residential mortgage loans to a variety of investors. Mortgage loans sold are subject to representations and warranties made to the third party purchasers regarding certain attributes. Subsequent to the sale, if a material underwriting deficiency or documentation defect is determined, the Company may be obligated to repurchase the mortgage loan or reimburse the investor for losses incurred if the deficiency or defect cannot be rectified within a specific period subsequent to discovery. The Company monitors the activity regarding the requirement to repurchase loans and the associated losses incurred. This information is applied to determine an estimated recourse reserve that is recorded in other liabilities. Comprehensive Income Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Certain changes in assets and liabilities, such as unrealized gains and losses on securities available for sale, are reported as a separate component of the equity section of the consolidated balance sheets, such items, along with net income, are components of comprehensive income. The Company’s sole component of accumulated other comprehensive income/loss is unrealized gains/losses on available for sale securities. Transfer of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. In certain cases, the recourse to the Bank to repurchase assets may exist but is deemed immaterial based on the specific facts and circumstances. Reclassifications Certain reclassifications to 2018 and 2017 financial presentation were made to conform to the 2019 presentation. These reclassifications did not affect previously reported net income or total stockholders’ equity. Recent Accounting Pronouncements The Financial Accounting Standards Board (“FASB”) has issued Accounting Standards Update (“ASU”) 2019-12, Income Taxes (Topic 740) - Simplifying the Accounting for Income Taxes . The guidance issued in this update simplifies the accounting for income taxes by eliminating certain exceptions to the guidance in ASC 740 related to the approach for intraperiod tax allocation, the methodology for calculating income taxes in an interim period and the recognition for deferred tax liabilities for outside basis differences. This ASU also simplifies aspects of the accounting for franchise taxes and enacted changes in tax laws or rates and clarifies the accounting for transactions that result in a step-up in the tax basis of goodwill. The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020, with early adoption permitted, and is not expected to have a material impact on the Company’s Consolidated Financial Statements. The FASB has issued ASU 2018-16, Derivatives and Hedging (Topic 815): Inclusion of the Secured Overnight Financing Rate (“SOFR”) Overnight Index Swap (“OIS”) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes. This ASU permits use of the OIS rate based on SOFR as a U.S. benchmark interest rate for hedge accounting purposes. Alternative Reference Rates Committee has proposed that the SOFR is the rate that represents best pr

Business Combinations

Business Combinations	12 Months Ended
	Dec. 31, 2019
Business Combinations
Business Combinations	Note 2: Business Combinations First Mariner Acquisition On March 1, 2018, Bancorp completed its previously announced merger with First Mariner Bank (“First Mariner”). At the effective time of the merger, First Mariner merged with and into the Bank, with the Bank continuing as the surviving bank in the merger. At the effective time of merger, under the terms of the merger agreement, each outstanding share of First Mariner common stock and First Mariner Series A Non-Voting Non-Cumulative Perpetual Preferred Stock issued and outstanding was cancelled and converted into the right to receive 1.6624 shares of Bancorp common stock, provided that cash was paid in lieu of any fractional shares. The aggregate merger consideration of $173.8 million included $9.2 million of cash and 9,143,222 shares of Bancorp’s common stock, which was valued at approximately $164.6 million based on Bancorp’s closing stock price of $18.00 on February 28, 2018. The Company has accounted for the First Mariner merger under the acquisition method of accounting in accordance with FASB ASC Topic 805, “ Business Combinations ,” whereby the acquired assets and assumed liabilities were recorded by the Company at their estimated fair values as of their acquisition date. Management made significant estimates and exercised significant judgment in accounting for the acquisition of First Mariner. Management judgmentally assigned risk ratings to loans based on appraisals and estimated collateral values, expected cash flows, prepayment speeds and estimated loss factors to measure fair values for loans. Deposits and borrowings were valued based upon interest rates, original and remaining terms and maturities, as well as current rates for similar funds in the same markets. Premises and equipment was valued based on recent appraised values. Management used quoted or current market prices to determine the fair value of investment securities. The following table provides the purchase price as of the acquisition date, the current identifiable assets acquired and liabilities assumed at their estimated fair values, and the resulting goodwill of $65.3 million recorded from the acquisition: (in thousands) Purchase Price Consideration Cash consideration $ 9,245 Purchase price assigned to shares exchanged for stock 164,578 Total purchase price for First Mariner acquisition $ 173,823 Assets acquired at fair value: Cash and cash equivalents $ 38,889 Interest bearing deposits with banks 3,920 Investment securities available for sale 130,302 Loans held for sale 28,189 Loans 664,338 Accrued interest receivable 3,023 Other assets 124,797 Core deposit intangible 12,588 Total fair value of assets acquired $ 1,006,046 Liabilities assumed at fair value: Deposits 706,435 Borrowings 185,020 Accrued expenses and other liabilities 6,114 Total fair value of liabilities assumed $ 897,569 Net assets acquired at fair value: $ 108,477 Transaction consideration paid to First Mariner 173,823 Amount of goodwill recorded from First Mariner Acquisition $ 65,346 The goodwill resulting from the First Mariner merger at December 31, 2019 of $65.3 million is lower than the $70.1 million reflected at December 31, 2018 due to a change in the acquired value of the net deferred tax asset included in other assets above. At the acquisition date, it was unclear under the Tax Cuts and Jobs Act (“TCJA”) whether appreciation in the cash value of acquired BOLI would be considered exempt from taxation. However, in the first quarter of 2019, the IRS issued new guidance which clarified the new law and made it more likely than not that the appreciated value of the BOLI acquired by the Company would be tax exempt. As a result, this eliminated the need for a deferred tax liability associated with acquired BOLI. The final regulation maintaining the tax exemption for acquired BOLI was issued in October 2019. Acquired loans The following table outlines the contractually required payments receivable, cash flows that the Company expects to receive, non-accretable credit adjustments and the accretable yield for all First Mariner loans as of the acquisition date. Contractually Required Non-Accretable Cash Flows Accretable Carring Value Payments Credit Expected to be FMV of Loans (in thousands) Receivable Adjustment Collected Adjustment Receivable Performing loans acquired $ 654,621 $ — $ 654,621 $ 9,054 $ 645,567 Credit impaired loans acquired 29,470 9,644 19,826 1,055 18,771 Total loans acquired $ 684,091 $ 9,644 $ 674,447 $ 10,109 $ 664,338 As of the effective date of the merger, all loans acquired were recorded at the estimated fair value on the purchase date with no carryover of the related allowance for loan losses. On the effective date of the merger, the acquired loan portfolio was segregated into two loan pools, performing and non-performing loans to be retained in our portfolio. The Company determined the net discounted value of cash flows on approximately 2,700 performing loans totaling $654.6 million. The valuation took into consideration the loans’ underlying characteristics, including account types, remaining terms, annual interest rates, interest types such as fixed or variable rate, past delinquencies, timing of principal and interest payments, current market rates, loan-to-value ratios, loss exposures, and remaining balances. These performing loans were segregated into pools based on loan and payment type and in some cases, risk grade. The effect of this valuation process was a net accretable discount adjustment of $9.1 million on the effective date of the merger. The Company also individually evaluated 57 impaired loans totaling $29.5 million of contractually required payments, to determine the fair value as of the March 1, 2018 measurement date. In determining the fair value for each individually evaluated impaired loan, the Company considered a number of factors including the remaining life of the acquired loan, estimated prepayments, estimated loss ratios, estimated value of the underlying collateral and net present value of cash flows the Company expects to receive, among others. The Company established a credit risk related non-accretable difference of $9.6 million relating to these acquired credit impaired loans, reflected in the recorded net fair value. The Company further estimated the timing and amount of expected cash flows in excess of the estimated fair value and established an accretable discount adjustment of $1.1 million at acquisition relating to these credit impaired loans. The Company incurred no merger related costs in the year ended December 31, 2019 and $567 thousand of merger related costs in the year ended December 31, 2017. Merger related costs included in the Consolidated Statements of Operations for the year ended December 31, 2018 are summarized as follows: (in thousands) Compensation related $ 9,871 Equipment disposition 1,918 Legal and consulting 2,005 Contract Terminations 677 Accounting & other 1,078 Total $ 15,549 Pro Forma Condensed Combined Financial Information: The following table presents unaudited pro forma information as if the First Mariner merger had been completed on January 1, 2018 and January 1, 2017. The pro forma information does not necessarily reflect the results of operations that would have occurred had the First Mariner merger occurred at the beginning of 2018 or 2017. Supplemental pro forma earnings were adjusted to exclude merger related costs. The expected future amortizations of the various fair value adjustments were included beginning in each year presented. Cost savings are not reflected in the unaudited pro forma amounts for the periods presented. The pro forma financial information does not include the impact of possible business model changes, nor does it consider any potential impacts of current market conditions on revenues, expense efficiencies, or other factors. December 31, (in thousands) 2018 2017 Net interest income after provision $ 66,873 $ 59,626 Noninterest income 19,890 29,285 Noninterest expense 77,699 80,721 Net income 6,569 1,315 Net income per share $ 0.35 $ 0.09

Exit of Mortgage Banking Activi

Exit of Mortgage Banking Activities	12 Months Ended
	Dec. 31, 2019
Exit of Mortgage Banking Activities
Exit of Mortgage Banking Activities	Note 3: Exit of Mortgage Banking Activities On December 18, 2019, the Company entered into an agreement to release certain management members of the mortgage division from their employment contracts and allow those individuals to create a limited liability company (“LLC”) for the purpose of hiring all remaining mortgage employees. The Company also agreed to transfer ownership of the domain name “VAmortgage.com” to the newly created LLC. In consideration of the release of the employment agreements, the transfer of the mortgage employees, and the sale of the domain name, the LLC paid the Company $750 thousand. Under the agreement, there is a transition period of approximately 45 days, after which the Company has agreed to cease originating residential first lien mortgage loans and will exit all mortgage banking activities. Accordingly, the majority of the residential first lien mortgage pipeline is expected to be processed by the end of the first quarter of 2020. In order to manage loan run-off within the residential mortgage loan portfolio, the Company plans on buying first lien residential mortgage loans, on a servicing released basis, from both the LLC and other third-party originators. The following table presents a rollforward of loans held for sale, showing loans originated for sale and loans sold into the secondary market, for the years ended December 31, 2019, 2018, and 2017. In addition, the volume of loans originated for the Company’s loan portfolio as well as a statement of operations for the mortgage banking activities for the years ended December 31, 2019, 2018, and 2017. Since the mortgage banking activities were conducted within a division of the Bank, formal financial statements were not prepared. The statement of operations presented below reflects only the direct costs associated with the Company’s mortgage banking activities and is thus representative of the incremental after tax impact of exiting this activity. Year Ended December 31, (dollars in thousands) 2019 2018 2017 Loans held for sale, January 1 $ 21,261 $ 42,153 $ 51,054 Loans originated for sale 573,306 586,385 673,448 Loans held for sale acquired in First Mariner acquisition — 28,189 — Loans sold into the secondary market (563,857) (635,466) (682,349) Loans held for sale, December 31 $ 30,710 $ 21,261 $ 42,153 Loans originated for the Bank's portfolio $ 114,561 $ 57,440 $ 52,905 Statement of Operations: Net interest income $ 681 $ 1,403 $ 1,505 Realized and unrealized gains on mortgage banking activity 7,798 5,245 11,035 Loan related fees and service charges 2,830 4,993 5,083 Total noninterest income 10,628 10,238 16,118 Salaries and benefits 6,394 7,083 7,673 Occupany 354 1,710 661 All other operating expenses 2,287 4,718 7,133 Total noninterest expense 9,035 13,511 15,467 Pretax contribution 2,274 (1,870) 2,156 Income tax expense (benefit) 626 (515) 850 After tax contribution $ 1,648 $ (1,355) $ 1,306 Since the Bank’s 91 employees that were engaged in mortgage banking activities will be hired by the LLC under the terms of the agreement, no severance costs were recorded. However, the Company recorded $288 thousand of exit costs associated with change in control and retention agreements. Since the LLC will sublease the office space that was used by these employees, no exit costs associated with lease terminations were recorded.

Cash and Due from Banks

Cash and Due from Banks	12 Months Ended
	Dec. 31, 2019
Cash and Due from Banks
Cash and Due from Banks	Note 4: Cash and Due from Banks Regulation D of the Federal Reserve Act requires that banks maintain reserve balances with the Federal Reserve Bank based principally on the type and amount of their deposits. During 2019 and 2018, the Company maintained balances at the Federal Reserve (in addition to vault cash) to meet the reserve requirements as well as balances to partially compensate for services. Additionally, the Company maintained balances with the Federal Home Loan Bank and other domestic correspondent financial institutions as partial compensation for services they provided to the Company.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2019
Investment Securities
Investment Securities	Note 5: Investment Securities The Company holds securities classified as available for sale and held to maturity. The amortized cost and estimated fair values of investments are as follows: December 31, (in thousands) 2019 2018 Gross Gross Gross Gross Amortized Unrealized Unrealized Estimated Amortized Unrealized Unrealized Estimated Cost Gains Losses Fair Value Cost Gains Losses Fair Value Available for sale U.S. Government Agencies $ 66,428 $ 963 $ 79 $ 67,312 $ 130,088 $ 428 $ 119 $ 130,397 Mortgage-backed 139,918 2,848 67 142,699 90,242 364 146 90,460 Other investments 5,510 4 20 5,494 3,011 — 10 3,001 $ 211,856 $ 3,815 $ 166 $ 215,505 $ 223,341 $ 792 $ 275 $ 223,858 Held to maturity Corporate debentures $ 7,750 $ 147 $ — $ 7,897 $ 9,250 $ 45 $ 42 $ 9,253 The $1.5 million net decrease in held to maturity securities from December 31, 2018 to December 31, 2019 consisted of a $2.0 million call and a $0.5 million purchase. Gross unrealized losses and fair value by investment category and length of time the individual securities have been in a continuous unrealized loss position at December 31, 2019 and December 31, 2018 are presented below: December 31, 2019 (in thousands) Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses Available for sale U.S. Government Agencies $ 10,689 $ 79 $ — $ — $ 10,689 $ 79 Mortgage-backed 35,512 60 975 7 36,487 67 Other investments — — 2,990 20 2,990 20 $ 46,201 $ 139 $ 3,965 $ 27 $ 50,166 $ 166 Held to maturity Corporate debentures $ — $ — $ — $ — $ — $ — December 31, 2018 (in thousands) Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses Available for sale U.S. Government Agencies $ 3,049 $ 3 $ 13,887 $ 116 $ 16,936 $ 119 Mortgage-backed 26,197 54 2,107 92 28,304 146 Other investments 3,001 10 — — 3,001 10 $ 32,247 $ 67 $ 15,994 $ 208 $ 48,241 $ 275 Held to maturity Corporate debentures $ 2,458 $ 42 $ — $ — $ 2,458 $ 42 The unrealized losses that existed were a result of market changes in interest rates since the original purchase. Management systematically evaluates investment securities for other-than-temporary declines in fair value on a quarterly basis. This analysis requires management to consider various factors, which include (1) duration and magnitude of the decline in value, (2) the financial condition of the issuer or issuers and (3) structure of the security. Securities in the portfolio with unrealized losses totaled 16 and 31 at December 31, 2019 and 2018, respectively. An impairment loss is recognized in earnings if any of the following are true: (1) the Company intends to sell the debt security; (2) it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis; or (3) the Company does not expect to recover the entire amortized cost basis of the security. In situations where the Company intends to sell or when it is more likely than not that the Company will be required to sell the security, the entire impairment loss must be recognized in earnings. In all other situations, only the portion of the impairment loss representing the credit loss must be recognized in earnings, with the remaining portion being recognized in stockholders’ equity as a component of other comprehensive income, net of deferred tax. The amortized cost and estimated fair values of investments by contractual maturity are shown below: December 31, (in thousands) 2019 2018 Amortized Estimated Fair Amortized Estimated Fair Cost Value Cost Value Amounts maturing: One year or less $ 1,497 $ 1,500 $ 38,936 $ 38,892 After one through five years 49,166 50,048 88,175 88,513 After five through ten years 33,576 33,915 19,873 19,921 After ten years 135,367 137,939 85,607 85,785 $ 219,606 $ 223,402 $ 232,591 $ 233,111 At December 31, 2019 and December 31, 2018, $11.6 million and $42.3 million fair value of securities, respectively, were pledged as collateral for both repurchase agreements and deposits of local government entities that require pledged collateral as a condition of maintaining these deposit accounts. No single issuer of securities, except for government agencies and mortgage backed securities, had outstanding balances that exceeded ten percent of stockholders’ equity at December 31, 2019.

Nonmarketable Equity Securities

Nonmarketable Equity Securities	12 Months Ended
	Dec. 31, 2019
Nonmarketable Equity Securities [Abstract]
Nonmarketable Equity Securities	Note 6: Nonmarketable Equity Securities At December 31, 2019 and December 31, 2018, the Company’s investment in nonmarketable equity securities consisted of FHLB stock, which is required for continued membership, of $14.2 million and $11.8 million, respectively. This investment is carried at cost.

Loans and Leases

Loans and Leases	12 Months Ended
	Dec. 31, 2019
Loans and Leases
Loans and Leases	Note 7: Loans and Leases The Company makes loans and leases to customers primarily in the Greater Baltimore Maryland metropolitan area, and surrounding communities. A substantial portion of the Company’s loan portfolio consists of loans to businesses secured by real estate and/or other business assets. The loan and lease portfolio segment balances at December 31, 2019 and December 31, 2018 are presented in the following table: December 31, 2019 2018 % of % of (in thousands) Total Total Total Total Real estate Construction and land $ 128,285 7.3 % $ 123,671 7.5 % Residential - first lien 437,409 25.1 383,044 23.2 Residential - junior lien 74,164 4.2 89,645 5.4 Total residential real estate 511,573 29.3 472,689 28.6 Commercial - owner occupied 241,795 13.9 234,102 14.2 Commercial - non-owner occupied 444,052 25.4 427,747 25.9 Total commercial real estate 685,847 39.3 661,849 40.1 Total real estate loans 1,325,705 75.9 1,258,209 76.2 Commercial loans and leases 1 372,872 21.4 336,876 20.5 Consumer 46,936 2.7 54,666 3.3 Total loans and leases $ 1,745,513 100.0 % $ 1,649,751 100.0 % 1 Includes leases of $6,382 and $7,607 at December 31, 2019 and 2018, respectively. Net loan and lease origination fees, which are included in the amounts above, totaled $1.3 million and $307 thousand at December 31, 2019 and 2018, respectively. Portfolio Segments The Company currently manages its credit products and the respective exposure to credit losses (credit risk) by the following specific portfolio segments (classes) which are levels at which the Company develops and documents its systematic methodology to determine the allowance for credit losses attributable to each respective portfolio segment. These segments are: · Commercial business loans & leases – Commercial loans are made to provide funds for equipment and general corporate needs. Repayment of a loan primarily uses the funds obtained from the operation of the borrower’s business. Commercial loans also include lines of credit that are utilized to finance a borrower’s short-term credit needs and/or to finance a percentage of eligible receivables and inventory. The Company’s loan portfolio also includes a small portfolio of equipment leases, which consists of leases for essential commercial equipment used by small- and medium-sized businesses. · Construction and land loans – Commercial acquisition, development and construction loans are intended to finance the construction of commercial and residential properties and include loans for the acquisition and development of land. Construction loans represent a higher degree of risk than permanent real estate loans and may be affected by a variety of factors such as the borrower’s ability to control costs and adhere to time schedules and the risk that constructed units may not be absorbed by the market within the anticipated time frame or at the anticipated price. The loan commitment on these loans often includes an interest reserve that allows the lender to periodically advance loan funds to pay interest charges on the outstanding balance of the loan. · Commercial owner occupied real estate loans – Commercial owner-occupied real estate loans consist of commercial mortgage loans secured by owner occupied properties where an established banking relationship exists and involves a variety of property types to conduct the borrower’s operations. The primary source of repayment for this type of loan is the cash flow from the business and is based upon the borrower’s financial health and the ability of the borrower and the business to repay. · Commercial non-owner occupied real estate loans – Commercial non-owner occupied loans consist of properties where an established banking relationship exists and involves investment properties for warehouse, retail, and office space with a history of occupancy and cash flow. This commercial real estate category contains mortgage loans to the developers and owners of commercial real estate where the borrower intends to operate or sell the property at a profit and use the income stream or proceeds from the sale(s) to repay the loan. · Consumer loans – This category of loans includes primarily installment loans and personal lines of credit. Consumer loans include installment loans used by customers to purchase automobiles, boats and recreational vehicles. · Residential first lien mortgage loans – The residential real estate category contains permanent mortgage loans principally to consumers secured by residential real estate. Residential real estate loans are evaluated for the adequacy of repayment sources at the time of approval, based upon measures including credit scores, debt-to-income ratios, and collateral values. Loans may be either conforming or non-conforming. · Residential junior lien mortgage loans – This category of loans includes primarily home equity loans and lines. The home equity category consists mainly of revolving lines of credit to consumers which are secured by residential real estate. These loans are typically secured with second mortgages on the homes. Acquired Credit Impaired Loans The following table documents changes in the accretable discount on acquired credit impaired loans at December 31, 2019, 2018 and 2017: December 31, (in thousands) 2019 2018 2017 Balance at beginning of period $ 877 $ — $ 60 Impaired loans acquired — 1,055 — Accretion of fair value discounts (188) (178) (60) Balance at end of period $ 689 $ 877 $ — The table below presents the outstanding balances and related carrying amounts for all acquired credit impaired loans at the end of the respective periods: Contractually Required Payments Carrying (in thousands) Receivable Amount At December 31, 2019 $ 10,929 $ 8,706 At December 31, 2018 15,463 11,446

Credit Quality Assessment

Credit Quality Assessment	12 Months Ended
	Dec. 31, 2019
Credit Quality Assessment
Credit Quality Assessment	Note 8: Credit Quality Assessment Allowance for Credit Losses Credit risk can vary significantly as losses, as a percentage of outstanding loans and leases, can vary widely during economic cycles and are sensitive to changing economic conditions. The amount of loss in any particular type of loan or lease can vary depending on the purpose of the loan or lease and the underlying collateral securing the loan or lease. Collateral securing commercial loans and leases can range from accounts receivable to equipment to improved or unimproved real estate depending on the purpose of the loan or lease. Home mortgage and home equity loans and lines are typically secured by first or second liens on residential real estate. Consumer loans may be secured by personal property, such as auto loans or they may be unsecured loan products. To control and manage credit risk, management has an internal credit process in place to determine whether credit standards are maintained along with an in-house loan and lease administration accompanied by oversight and review procedures. The primary purpose of loan and lease underwriting is the evaluation of specific lending risks that involves the analysis of the borrower’s ability to service the debt as well as the assessment of the value of the underlying collateral. Oversight and review procedures include the monitoring of the portfolio credit quality, early identification of potential problem credits and the management of the problem credits. As part of the oversight and review process, the Company maintains an allowance for credit losses (the “allowance”) to absorb estimated and probable losses in the loan and lease portfolio. The allowance is based on consistent, continuous review and evaluation of the loan and lease portfolio, along with ongoing assessments of the probable losses and problem credits in each portfolio. While portions of the allowance are attributed to specific portfolio segments, the entire allowance is available for credit losses inherent in the total loan and lease portfolio. The following table provides information on the activity in the allowance for credit losses by the respective loan and lease portfolio segment for the years ended December 31, 2019, 2018 and 2017: December 31, 2019 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance for credit losses: Beginning balance $ 741 $ 1,170 $ 292 $ 735 $ 4,057 $ 2,644 $ 234 $ 9,873 Charge-offs (282) (518) (532) (46) (2,026) (622) (210) (4,236) Recoveries 80 — 115 — 17 357 2 571 Provision for credit losses 717 1,604 603 99 920 (276) 526 4,193 Ending balance $ 1,256 $ 2,256 $ 478 $ 788 $ 2,968 $ 2,103 $ 552 $ 10,401 Allowance allocated to: individually evaluated for impairment $ — $ — $ — $ — $ — $ 500 $ — $ 500 collectively evaluated for impairment $ 1,256 $ 2,256 $ 478 $ 788 $ 2,968 $ 1,603 $ 552 $ 9,901 Loans and leases: Ending balance $ 128,285 $ 437,409 $ 74,164 $ 241,795 $ 444,052 $ 372,872 $ 46,936 $ 1,745,513 individually evaluated for impairment $ 481 $ 13,131 $ 786 $ 566 $ 1,725 $ 2,360 $ 127 $ 19,176 collectively evaluated for impairment $ 127,804 $ 424,278 $ 73,378 $ 241,229 $ 442,327 $ 370,512 $ 46,809 $ 1,726,337 December 31, 2018 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance for credit losses: Beginning balance $ 735 $ 668 $ 177 $ 617 $ 1,410 $ 2,529 $ 23 $ 6,159 Charge-offs (202) (142) (195) (28) (797) (1,092) (63) (2,519) Recoveries — 8 10 — 32 88 4 142 Provision for credit losses 208 636 300 146 3,412 1,119 270 6,091 Ending balance $ 741 $ 1,170 $ 292 $ 735 $ 4,057 $ 2,644 $ 234 $ 9,873 Allowance allocated to: individually evaluated for impairment $ — $ — $ — $ — $ 2,195 $ 200 $ — $ 2,395 collectively evaluated for impairment $ 741 $ 1,170 $ 292 $ 735 $ 1,862 $ 2,444 $ 234 7,478 Loans and leases: Ending balance $ 123,671 $ 383,044 $ 89,645 $ 234,102 $ 427,747 $ 336,876 $ 54,666 $ 1,649,751 individually evaluated for impairment $ 1,449 $ 13,259 $ 1,137 $ 1,268 $ 5,018 $ 2,455 $ 174 24,760 collectively evaluated for impairment $ 122,222 $ 369,785 $ 88,508 $ 232,834 $ 422,729 $ 334,421 $ 54,492 $ 1,624,991 Acquired loans from the First Mariner merger in 2018 were evaluated for impairment subsequent to the merger. No allowance was required on these loans due to the assigned credit marks on these loans. December 31, 2017 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance for credit losses: Beginning balance $ 511 $ 454 $ 89 $ 327 $ 1,120 $ 3,800 $ 127 $ 6,428 Charge-offs (155) (133) (31) (235) — (1,605) (108) (2,267) Recoveries 6 — 1 6 6 113 35 167 Provision for credit losses 373 347 118 519 284 221 (31) 1,831 Ending balance $ 735 $ 668 $ 177 $ 617 $ 1,410 $ 2,529 $ 23 $ 6,159 Allowance allocated to: individually evaluated for impairment $ 202 $ — $ 29 $ — $ 11 $ 668 $ — $ 910 collectively evaluated for impairment $ 533 $ 668 $ 148 $ 617 $ 1,399 $ 1,861 $ 23 $ 5,249 Loans and leases: Ending balance $ 74,398 $ 194,896 $ 43,047 $ 170,408 $ 260,802 $ 188,729 $ 4,328 $ 936,608 individually evaluated for impairment $ 761 $ 2,009 $ 396 $ 508 $ 5,867 $ 3,724 $ — $ 13,265 collectively evaluated for impairment $ 73,637 $ 192,887 $ 42,651 $ 169,900 $ 254,935 $ 185,005 $ 4,328 $ 923,343 Integral to the assessment of the allowance process is an evaluation that is performed to determine whether a specific reserve on an impaired credit is warranted. At such time an action plan is agreed upon for the particular loan or lease, an appraisal will be ordered (for real estate based collateral) depending on the time elapsed since the prior appraisal, the loan or lease balance and/or the result of the internal evaluation. The Company’s policy is to strictly adhere to regulatory appraisal standards. If an appraisal is ordered, no more than a 45 day turnaround is requested from the appraiser, who is selected from an approved appraiser list. After receipt of the updated appraisal, the Company’s Watch Committee will determine whether a specific reserve or a charge-off should be taken based upon an impairment analysis. When potential losses are identified, a specific provision and/or charge-off may be taken, based on the then current likelihood of repayment, that is at least in the amount of the collateral deficiency, and any potential collection costs, as determined by the independent third party appraisal. Any further collateral deterioration may result in either further specific reserves being established or additional charge-offs. The President and the Chief Lending Officer have the authority to approve a specific reserve or charge-off between Watch Committee meetings to ensure that there are no significant time lapses during this process. The Company’s systematic methodology for evaluating whether a loan or lease is impaired begins with risk-rating credits on an individual basis and includes consideration of the borrower’s overall financial condition, resources and payment record, the sufficiency of collateral and, in a select few cases, support from financial guarantors. In measuring impairment, the Company looks to the discounted cash flows of the project itself or the value of the collateral as the primary sources of repayment of the loan or lease. The Company will consider the existence of guarantees and the financial strength and wherewithal of the guarantors involved in any loan or lease relationship as both a secondary source of repayment and for the potential as the primary repayment of the loan or lease . The Company typically relies on recent third party appraisals of the collateral to assist in measuring impairment. Management has established a credit process that dictates that structured procedures be performed to monitor these loans or leases between the receipt of an original appraisal and the updated appraisal. These procedures include the following: · An internal evaluation is updated quarterly to include borrower financial statements and/or cash flow projections. · The borrower may be contacted for a meeting to discuss an update or revised action plan which may include a request for additional collateral. · Re-verification of the documentation supporting the Company’s position with respect to the collateral securing the loan or lease. · At the Watch Committee meeting the loan may be downgraded and a specific reserve may be decided upon in advance of the receipt of the appraisal if it is determined that the likelihood of repayment is in doubt. The Company generally follows a policy of not extending maturities on non-performing loans and leases under existing terms. The Company may extend the maturity of a performing or current loan or lease that may have some inherent weakness associated with the loan or lease. Maturity date extensions only occur under terms that clearly place the Company in a position to assure full collection of the loan or lease under the contractual terms and/or terms at the time of the extension that may eliminate or mitigate the inherent weakness in the loan or lease. These terms may incorporate, but are not limited to additional assignment of collateral, significant balance curtailments/liquidations and assignments of additional project cash flows. Guarantees may be a consideration in the extension of loan or lease maturities, but the Company does not extend loans or leases based solely on guarantees. As a general matter, the Company does not view extension of a loan or lease to be a satisfactory approach to resolving non-performing credits. On an exception basis, certain performing loans and leases that have displayed some inherent weakness in the underlying collateral values, an inability to comply with certain loan or lease covenants which are not affecting the performance of the credit or other identified weakness may be extended. Collateral values or estimates of discounted cash flows (inclusive of any potential cash flow from guarantees) are evaluated to estimate the probability and severity of potential losses. A specific amount of impairment is established based on the Company’s calculation of the probable loss inherent in the individual loan or lease. The actual occurrence and severity of losses involving impaired credits can differ substantially from estimates. Credit risk profile by portfolio segment based upon internally assigned risk assignments are presented below: December 31, 2019 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Credit quality indicators: Not classified $ 127,804 $ 425,247 $ 73,378 $ 241,229 $ 442,327 $ 370,837 $ 46,809 $ 1,727,631 Special mention — — — — — — — — Substandard 481 12,162 786 566 1,725 2,035 127 17,882 Doubtful — — — — — — — — Total $ 128,285 $ 437,409 $ 74,164 $ 241,795 $ 444,052 $ 372,872 $ 46,936 $ 1,745,513 December 31, 2018 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Credit quality indicators: Not classified $ 122,270 $ 370,766 $ 88,507 $ 228,408 $ 422,591 $ 334,152 $ 54,492 $ 1,621,186 Special mention 78 — — 3,877 — — — 3,955 Substandard 1,323 12,278 1,138 1,817 5,156 2,724 174 24,610 Doubtful — — — — — — — — Total $ 123,671 $ 383,044 $ 89,645 $ 234,102 $ 427,747 $ 336,876 $ 54,666 $ 1,649,751 · Special Mention - A Special Mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special Mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. · Substandard - Substandard loans and leases are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans and leases so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. · Doubtful - Loans and leases classified Doubtful have all the weaknesses inherent in those classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently known facts, conditions and values, highly questionable and improbable. Loans and leases classified Special Mention, Substandard, Doubtful or Loss are reviewed at least quarterly to determine their appropriate classification. All commercial loan and lease relationships are reviewed annually. Non-classified residential mortgage loans and consumer loans are not evaluated unless a specific event occurs to raise the awareness of a possible credit deterioration. An aged analysis of past due loans and leases are as follows: December 31, 2019 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Analysis of past due loans and leases: Accruing loans and leases current $ 127,804 $ 418,668 $ 71,634 $ 241,062 $ 442,132 $ 370,877 $ 46,776 $ 1,718,953 Accruing loans and leases past due: 30-59 days past due — 3,312 748 — 195 35 19 4,309 60-89 days past due — 3,220 996 167 — — 14 4,397 Greater than 90 days past due — 47 — — — — — 47 Total past due — 6,579 1,744 167 195 35 33 8,753 Non-accrual loans and leases 1 481 12,162 786 566 1,725 1,960 127 17,807 Total loans and leases $ 128,285 $ 437,409 $ 74,164 $ 241,795 $ 444,052 $ 372,872 $ 46,936 $ 1,745,513 December 31, 2018 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Analysis of past due loans and leases: Accruing loans and leases current $ 121,831 $ 361,522 $ 86,884 $ 232,834 $ 422,297 $ 334,058 $ 54,483 $ 1,613,909 Accruing loans and leases past due: 30-59 days past due — 6,433 937 — 432 94 9 7,905 60-89 days past due 166 2,241 687 — — 307 — 3,401 Greater than 90 days past due 351 570 — — — — — 921 Total past due 517 9,244 1,624 — 432 401 9 12,227 Non-accrual loans and leases 1 1,323 12,278 1,137 1,268 5,018 2,417 174 23,615 Total loans and leases $ 123,671 $ 383,044 $ 89,645 $ 234,102 $ 427,747 $ 336,876 $ 54,666 $ 1,649,751 1 Included are acquired credit impaired loans where the Company amortizes the accretable discount into interest income, however these loans do not accrue interest based on the terms of the loan. Total loans and leases either in non-accrual status or in excess of 90 days delinquent totaled $17.9 million or 1.0% of total loans and leases outstanding at December 31, 2019, which represents a $6.6 million decrease from $24.5 million at December 31, 2018. The Company had no impaired leases for the years ended December 31, 2019 and 2018. The impaired loans for the years ended December 31, 2019 and 2018 are as follows: December 31, 2019 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Impaired loans: Recorded investment 1 $ 481 $ 13,131 $ 786 $ 566 $ 1,725 $ 2,360 $ 127 $ 19,176 With an allowance recorded — — — — — 554 — 554 With no related allowance recorded 481 13,131 786 566 1,725 1,806 127 18,622 Related allowance — — — — — 500 — 500 Unpaid principal 667 14,371 986 583 2,023 3,584 130 22,344 Average balance of impaired loans 814 15,586 1,338 594 2,105 4,392 141 24,970 Interest income recognized 5 400 106 30 11 195 1 748 December 31, 2018 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Impaired loans: Recorded investment 1 $ 1,449 $ 13,259 $ 1,137 $ 1,268 $ 5,018 $ 2,455 $ 174 $ 24,760 With an allowance recorded — — — — 2,816 200 — 3,016 With no related allowance recorded 1,449 13,259 1,137 1,268 2,202 2,255 174 21,744 Related allowance — — — — 2,195 200 — 2,395 Unpaid principal 1,873 14,425 1,456 1,569 5,295 4,868 185 29,671 Average balance of impaired loans 1,873 15,446 1,448 1,569 5,340 5,556 185 31,417 Interest income recognized — 474 51 16 5 125 5 676 1 Included are acquired credit impaired loans where the Company amortizes the accretable discount into interest income, however these loans do not accrue interest based on the terms of the loan. Included in the total impaired loans above were non-accrual loans of $17.8 million and $23.6 million at December 31, 2019 and 2018, respectively. Interest income that would have been recorded if non-accrual loans had been current and in accordance with their original terms, was $748 thousand, $1.2 million and $898 thousand for the years ended December 31, 2019, 2018 and 2017, respectively. Loans may have their terms restructured (e.g., interest rates, loan maturity date, payment and amortization period, etc.) in circumstances that provide payment relief to a borrower experiencing financial difficulty. Such restructured loans are considered impaired loans that may either be in accruing status or non-accruing status. Non-accruing restructured loans may return to accruing status provided there is a sufficient period of payment performance in accordance with the restructure terms. Loans may be removed from the restructured category in the year subsequent to the restructuring if they have performed based on all of the restructured loan terms. The Company had no troubled debt restructured (“TDR”) leases at December 31, 2019 and December 31, 2018. The TDR loans at December 31, 2019 and 2018 are as follows: December 31, 2019 Number Non-Accrual Number Accrual Total (dollars in thousands) of Loans Status of Loans Status TDRs Construction and land 1 $ 125 — $ — $ 125 Residential real estate - first lien 2 274 2 968 1,242 Commercial loans and leases 1 414 2 367 781 4 $ 813 4 $ 1,335 $ 2,148 December 31, 2018 Number Non-Accrual Number Accrual Total (dollars in thousands) of Loans Status of Loans Status TDRs Construction and land — $ — 1 $ 125 $ 125 Residential real estate - first lien 2 291 2 982 1,273 Commercial - non-owner occupied 2 2,815 — — 2,815 Commercial loans and leases 1 514 — — 514 5 $ 3,620 3 $ 1,107 $ 4,727 A summary of TDR loan modifications outstanding and performance under modified terms is as follows: December 31, 2019 Not Performing Performing Related to Modified to Modified Total (in thousands) Allowance Terms Terms TDRs Construction and land Extension or other modification $ — $ 125 $ — $ 125 Residential real estate - first lien Extension or other modification — 274 968 1,242 Commercial loans Extension or other modification — — 367 367 Forbearance — 414 — 414 Total troubled debt restructured loans $ — $ 813 $ 1,335 $ 2,148 December 31, 2018 Not Performing Performing Related to Modified to Modified Total (in thousands) Allowance Terms Terms TDRs Construction and land Extension or other modification $ — $ — $ 125 $ 125 Residential real estate - first lien Extension or other modification — 291 982 1,273 Commercial RE - non-owner occupied Rate modification 2,195 2,815 — 2,815 Commercial loans Forbearance — 514 — 514 Total troubled debt restructured loans $ 2,195 $ 3,620 $ 1,107 $ 4,727 There were two new commercial loans with terms extended and their payments modified during 2019 totaling $367 thousand that are currently performing in accordance with their modified terms. Additionally, the land development loan was downgraded from performing to non-performing in 2019 and two commercial real estate loans totaling $2.4 million at December 31, 2018 were subsequently charged-off in 2019. Performing TDRs were in compliance with their modified terms and there are no further commitments associated with these loans. Management routinely evaluates other real estate owned (“OREO”) based upon periodic appraisals. For the years ended December 31, 2019, 2018 and 2017 there were additional allowances recorded of $473 thousand, $352 thousand and $581 thousand, respectively, as the current appraised value, less estimated cost to sell, was not sufficient to cover the recorded OREO amount. For 2019 there were three residential first lien loans totaling $1.4 million transferred from loans to OREO. In 2019, the Company sold two land development properties with a carrying value totaling $49 thousand, two commercial real estate properties with a carrying value of $1.1 million and four residential first lien loan with a carrying value of $1.1 million, recording a $28 thousand gain from the sale of these properties. At December 31, 2019, there were three residential first lien loans totaling $2.7 million, and one residential junior lien loan of $23 thousand in the process of foreclosure.

Derivatives and Hedging Activit

Derivatives and Hedging Activities	12 Months Ended
	Dec. 31, 2019
Derivatives and Hedging Activities
Derivatives and Hedging Activities	Note 9: Derivatives and Hedging Activities Non-designated Hedges of Interest Rate Risk The Company maintains interest rate swap contracts with customers that are classified as non-designated hedges and are not speculative in nature. These agreements are designed to convert customer’s variable rate loans with the Company to fixed rate. These interest rate swaps are executed with loan customers to facilitate a respective risk management strategy and allow the customer to pay a fixed rate interest to the Company. These interest rate swaps are simultaneously hedged by executing offsetting interest rate swaps with unrelated market counterparties to minimize the net risk exposure to the Company resulting from the transactions and allow the Company to receive a variable rate interest. The interest rate swaps pay and receive interest based on a floating rate based on one month LIBOR plus credit spread with payment being calculated on the notional amount. The interest rate swaps are settled with varying maturities. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. The fair value of the interest swap derivatives are recorded in other assets and other liabilities. All changes in fair value are recorded through earnings as noninterest income. For 2019 and 2018, the Company recorded a net loss of $5 thousand and $6 thousand, respectively related to the change in fair value of these interest rate swap derivatives. The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Balance Sheet at December 31, 2019 and December 31, 2018: December 31, 2019 Balance Sheet Notional Estimated Fair Value (dollars in thousands) Location Amount Gain Loss Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other assets and other liabilities $ 2,853 $ 217 $ — Matched interest rate swaps with counterparty Other assets and other liabilities $ 2,853 $ — $ 228 December 31, 2018 Balance Sheet Notional Estimated Fair Value (dollars in thousands) Location Amount Gain Loss Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other assets and other liabilities $ 3,061 $ 100 $ — Matched interest rate swaps with counterparty Other assets and other liabilities $ 3,061 $ — $ 106

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2019
Goodwill and Other Intangible Assets
Goodwill and Other Intangible Assets	Note 10: Goodwill and Other Intangible Assets Goodwill has an indefinite useful life and is evaluated for impairment annually or more frequently if events and circumstances indicate that the asset would more-likely-than-not reduce the fair value below the carrying amount. The Bank has one reporting unit, which is the core banking operation. Based upon updated information, the goodwill relating to the First Mariner merger was adjusted downward in the first quarter of 2019 by $4.7 million to reflect revised valuations as detailed in Note 2. The table below shows goodwill balances at December 31, 2019 and December 31, 2018. December 31, (in thousands) 2019 2018 Goodwill Banking $ 65,949 $ 70,697 Core deposit intangibles represent the estimated value of long-term deposit relationships acquired in either business combinations or other purchases of deposits and are amortized based upon the estimated economic benefits received. The gross carrying amount and accumulated amortization of other intangible assets are as follows: December 31, 2019 Weighted Gross Net Average Carrying Accumulated Carrying Remaining Life (in thousands) Amount Amortization Amount (Years) Amortizing intangible assets: Core deposit intangible $ 16,135 $ 7,666 $ 8,469 3.7 December 31, 2018 Weighted Gross Net Average Carrying Accumulated Carrying Remaining Life (in thousands) Amount Amortization Amount (Years) Amortizing intangible assets: Core deposit intangible $ 16,135 $ 4,653 $ 11,482 4.7 Estimated future amortization expense for amortizing intangible assets for the years ending December 31, is as follows: (in thousands) 2020 $ 2,674 2021 2,326 2022 1,915 2023 1,298 2024 256 Total amortizing intangible assets $ 8,469 Based upon an annual impairment analysis performed in 2019, it was determined that there was not an impairment of the carrying value of either the goodwill or core deposit intangible.

Bank Premises and Equipment

Bank Premises and Equipment	12 Months Ended
	Dec. 31, 2019
Bank Premises and Equipment
Bank Premises and Equipment	Note 11: Bank Premises and Equipment Premises and equipment include the following at: December 31, (in thousands) 2019 2018 Land $ 8,849 $ 10,239 Building and leasehold improvements 35,960 35,571 Furniture and equipment 6,028 6,686 Software 387 419 51,224 52,915 Less: accumulated depreciation and amortization 8,500 7,778 Net premises and equipment $ 42,724 $ 45,137 Depreciation and amortization expense for premises and equipment were $2.3 million, $2.1 million and $1.3 million for the years ended December 31, 2019, 2018 and 2017, respectively.

Leases

Leases	12 Months Ended
	Dec. 31, 2019
Leases
Leases	Note 12: Leases On January 1, 2019, the Company adopted the requirements of ASU 2016-02, Leases (Topic 842). The objective of this ASU, along with several related ASUs subsequently issued, is to increase transparency and comparability between organizations that enter into lease agreements. The most significant change is the requirement to recognize right of use (“ROU”) assets and lease liabilities for leases classified as operating leases. The standard requires disclosures to meet the objective of enabling users of financial statements to assess the amount, timing, and uncertainty of cash flows arising from leases. As part of the transition to the new standard, the Company was required to measure and recognize leases that existed at January 1, 2019, and the Company elected a modified retrospective approach. For leases existing at the effective date, the Company elected the package of three transition practical expedients and therefore did not reassess whether an arrangement is or contains a lease, did not reassess lease classification, and did not reassess what qualifies as an initial direct cost. The adoption of Topic 842 resulted in the initial recognition of operating ROU assets and related lease liabilities of $18.0 million on January 1, 2019, which were recorded in other assets and other liabilities, respectively. As of the adoption date, there were no lease incentives that would have impacted the ROU asset balance. In 2019, with the execution of the Company’s branch optimization initiative, under which the closing of three branch locations and the consolidation of two other existing branch locations was announced, a $3.6 million charge to noninterest expenses, primarily related to the early termination of existing lease arrangements for the closing locations, was recorded in the second quarter of 2019. The closing of the three locations occurred in the third quarter of 2019, and the consolidation of the two branch locations into a single new location is expected to occur in the first quarter of 2020. The early termination of these leases reduced the initial $18.0 million in ROU assets recorded on January 1, 2019 to $14.5 million at December 31, 2019. The Company has operating leases on land and buildings with remaining lease terms ranging from 2020 to 2030. Many of the leases include renewal options, with renewal terms generally extending up to 10 years. Operating leases included the following at: (in thousands) December 31, 2019 Operating Leases Operating leases ROU $ 14,092 Operating lease liabilities $ 14,507 The components of lease expense were as follows: December 31, (in thousands) 2019 2018 2017 Operating lease cost $ 1,899 $ 3,693 $ 1,995 Sublease income (562) (534) (387) Amortization of ROU assets 150 — — $ 1,487 $ 3,159 $ 1,608 Lease liability maturities are as follows: (in thousands) 2020 $ 1,636 2021 1,546 2022 1,404 2023 1,257 2024 1,055 Thereafter 11,341 Total future lease payments $ 18,239 Discount of cash flows (3,732) Present value on net future lease payments $ 14,507 Weighted average remaining term in years 6.89 Weighted average discount rate 3.02 %

Deposits

Deposits	12 Months Ended
	Dec. 31, 2019
Deposits
Deposits	Note 13: Deposits The following table details the composition of deposits and the related percentage mix of total deposits, respectively, at the dates indicated: December 31, (dollars in thousands) 2019 2018 % of % of Amount Total Amount Total Noninterest-bearing demand $ 468,975 27 % $ 429,200 26 % Interest-bearing checking 183,447 11 227,322 13 Money market accounts 360,711 21 356,130 21 Savings 130,141 7 134,893 8 Certificates of deposit $250 and over 77,782 5 82,511 5 Certificates of deposit under $250 493,309 29 455,750 27 Total deposits $ 1,714,365 100 % $ 1,685,806 100 % The following table presents the maturity schedule for time deposits maturing within years ending December 31: (in thousands) 2020 $ 458,908 2021 87,877 2022 14,613 2023 5,630 2024 4,063 Total time deposits $ 571,091 Interest expense on deposits for the twelve months ended December 31, 2019, December 31, 2018 and December 31, 2017 were as follows: December 31, (in thousands) 2019 2018 2017 Interest-bearing checking $ 912 $ 554 $ 168 Savings and money market 3,063 2,393 1,217 Certificates of deposit 11,487 5,593 2,612 Total $ 15,462 $ 8,540 $ 3,997

Short-Term Borrowings

Short-Term Borrowings	12 Months Ended
	Dec. 31, 2019
Short-Term Borrowings
Short-Term Borrowings	Note 14: Short-Term Borrowings Short-term borrowings consist of overnight securities sold under agreement to repurchase, overnight unsecured master notes, federal funds purchased, and FHLB advances with a final remaining maturity of less than one year. Information relating to short-term borrowings is presented below: December 31, 2019 2018 Maximum Maximum Month-End Month-End (dollars in thousands) Amount Rate Balance Amount Rate Balance FHLB advances $ 230,000 1.70 % $ 273,000 $ 118,000 2.34 % $ 310,023 Repurchase agreements 1 6,127 0.19 15,293 16,576 0.21 25,291 Federal funds purchased — — — — — 30,000 Total short-term borrowings $ 236,127 1.66 % — $ 134,576 2.08 % — Averages for the year: FHLB advances $ 148,460 2.30 % — $ 125,108 1.80 % — Repurchase agreements 1 7,122 0.19 — 18,927 0.19 — Federal funds purchased 625 2.30 — 2,015 2.04 — Total short-term borrowings $ 156,207 2.20 % — $ 146,050 1.59 % — 1 Includes overnight unsecured master notes The Company pledges mortgage-backed securities, based upon their fair value, as collateral for 100% of the principal and accrued interest of its repurchase agreements. At December 31, 2019 and 2018 there were $6.6 million and $16.6 million, respectively, in investment securities pledged under these agreements. At December 31, 2019, the Company had an available line of credit for $573.3 million with the FHLB under which its borrowings are limited to $435.4 million based on pledged collateral with $285.3 million borrowed against the line (including amounts classified as long-term borrowings). At December 31, 2018, the FHLB line of credit was $538.4 million under which $345.9 million was available based on pledged collateral with $232.6 million borrowed against the line (including amounts classified as long-term borrowings). Under a blanket lien, the Company has pledged qualifying residential mortgage loans, home equity lines of credit, and commercial real estate loans as collateral for this borrowing arrangement in the aggregate amount of $615.6 million and $518.0 million at December 31, 2019 and 2018, respectively. In addition, the Company has unsecured lines of credit with correspondent banks of $65.0 million at both December 31, 2019 and 2018. There were no outstanding borrowings against these lines of credit at either December 31, 2019 or 2018.

Long-Term Borrowings

Long-Term Borrowings	12 Months Ended
	Dec. 31, 2019
Long-Term Borrowings
Long-Term Borrowings	Note 15: Long-Term Borrowings Long-term borrowings at December 31, 2019 and 2018 consisted of the following: December 31, (in thousands) 2019 2018 Federal Home Loan Bank Advances 0.63% Due 2029 1 $ 15,000 $ — 0.56% Due 2029 1 20,000 — 0.74% Due 2029 1 15,000 — 1.62% Due 2024 2 5,000 — 2.48% Due 2020 2 — 14,000 2.53% Due 2020 2 — 15,000 2.67% Due 2020 2 — 30,000 2.62% Due 2020 2 — 30,000 2.71% Due 2020 2 — 25,000 Total principal of long-term borrowings at FHLB 55,000 114,000 Subordinated debentures 2.48% Due 2035 3 5,000 5,000 6.00% Due 2028 4 25,000 25,000 Total principal of subordinated debentures 30,000 30,000 Total principal of long-term borrowings 85,000 144,000 Purchase accounting adjustment on acquired debt 3 (1,302) (1,384) Cost of issuance of subordinated debt 4 (457) (539) Total long-term borrowings $ 83,241 $ 142,077 (1) Convertible rate advances (2) Fixed rate hybrid advances (3) Subordinated debt acquired in 2015. Carrying value after purchase accounting adjustments of $3.7 million at December 31, 2019. Interest adjusts quarterly at the rate of three month LIBOR plus 1.48% (4) Subordinated debt issued in 2018. Carrying value net of issuance costs of $24.5 million at December 31, 2019. Initial rate of 6.00% per annum for five years. Subsequent rate adjusts quarterly at the rate of three month LIBOR plus 3.02% On December 6, 2018, the Company entered into Subordinated Note Purchase Agreements with certain Purchasers pursuant to which the Company sold and issued $25,000,000 in aggregate principal amount of 6.00% Fixed-to-Floating Rate Subordinated Notes due December 6, 2028. The Notes were issued by the Company to the Purchasers at a price equal to 100% of their face amount in reliance on the exemptions from registration available under Section 4(a)(2) of the Securities Act and the provisions of Regulation D thereunder. The Company used the net proceeds of this offering for general corporate purposes, to provide for continued growth and to supplement its regulatory capital ratios. The Notes have been structured to qualify initially as Tier 2 capital for regulatory capital purposes. The Note will initially bear interest at a rate of 6.00% per annum from and including December 6, 2018, to but excluding December 6, 2023, with interest during this period payable semi-annually in arrears. From an including December 6, 2023, to but excluding the maturity date or early redemption date, the interest rate will reset quarterly to an annual floating rate equal to three-month LIBOR, plus 302 basis points, with interest during this period payable quarterly in arrears. The Notes are redeemable by the Company at its option, in whole or in part, on or after December 6, 2023. As a part of the acquisition of Patapsco Bancorp, Inc. (“Patapsco Bancorp”) in 2015, Bancorp assumed debt originally issued by Patapsco Bancorp. In 2005 Patapsco Statutory Trust I, a Connecticut statutory business trust and an unconsolidated wholly-owned subsidiary of Patapsco Bancorp and now of Bancorp (the “Trust”), issued $5 million of capital trust pass-through securities to investors. The interest rate currently adjusts on a quarterly basis at the rate of the three month LIBOR plus 1.48%. The Trust purchased $5,155,000 of junior subordinated deferrable interest debentures from Patapsco Bancorp. The debentures are the sole asset of the Trust. Patapsco Bancorp also fully and unconditionally guaranteed the obligations of the Trust under the capital securities, which guarantee became an obligation of Bancorp upon its acquisition of Patapsco Bancorp. The capital securities are redeemable by Bancorp at par. The capital securities must be redeemed upon final maturity of the subordinated debentures on December 31, 2035.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2019
Income Taxes
Income Taxes	Note 16: Income Taxes Federal and state income tax expense (benefit) consists of the following for the years ended: December 31, (in thousands) 2019 2018 2017 Current federal income tax $ — $ — $ 3,243 Current state income tax — — 1,038 Deferred federal income tax 3,986 (627) (968) Deferred state income tax 1,206 (270) (161) Total income taxexpense (benefit) $ 5,192 $ (897) $ 3,152 A reconciliation of the statutory federal income tax expense (benefit) to the Company’s effective tax (benefit) rate for the years ended follows: 2019 2018 2017 Percentage of Percentage of Percentage of (in thousands) Amount Pretax Income Amount Pretax Income Amount Pretax Income Statutory federal income taxexpense (benefit) $ 4,635 21.0 % $ (992) 21.0 % $ 3,520 34.0 % State income taxes, net of federal income taxbenefit 953 4.3 (213) 4.5 579 5.6 Bank owned life insurance (568) (2.6) (162) 3.4 (258) (2.5) Acquisition related costs — — 316 (6.7) 115 1.1 Revaluation of deferred taxes — — — — 268 2.6 Correction of error — — — — (675) (6.5) Other, net 172 0.8 154 (3.3) (396) (3.8) Total income taxexpense (benefit) $ 5,192 23.5 % $ (897) 19.0 % $ 3,152 30.4 % Income tax expense for 2019 was favorably impacted by a 2019 U.S. Treasury Department change in tax regulations that provided for retroactive application to the taxability of income from Bank Owned Life Insurance (“BOLI”) contracts that were acquired in certain tax-free merger transactions. At the time of the First Mariner merger, The Company recorded a deferred tax liability of $4.6 million that represented the combined federal and state income tax payable on the acquired balance of BOLI contracts. Based on the increase in the cash surrender value of the BOLI contracts for the remainder of 2018, the balance of the deferred tax liability increased to $4.8 million as of December 31, 2018. As a result of the change in tax regulations during the first quarter of 2019, The Company recognized a $232 thousand reduction of tax expense in 2019 that pertained to BOLI income that was earned, and initially treated as subject to income tax, in 2018. In addition, the associated $4.8 million deferred tax liability was eliminated with a corresponding $4.6 million decrease in goodwill. In contrast to the reported pre-tax book income and the associated income tax expense recognized for 2019, the Company’s income tax benefit for 2018 was the result of the loss incurred for the year. The benefit for 2018 was reduced by the impact of various merger-related non-deductible costs. Income tax expense for 2017 was adversely impacted by the adjustment of the Company’s deferred tax assets and liabilities related to the reduction in the U.S. federal statutory income tax rate to 21% under the Tax Cuts and Jobs Act. As a result of the new law, we recognized a net tax expense totaling $268 thousand. Income tax expense for 2017 was also impacted by a correction of an overstatement of taxes that resulted from incorrectly classifying certain acquired loan fair value adjustments on acquired credit impaired loans. As a result, for the year 2017, the Company recognized tax benefits totaling $675 thousand related to the 2015 through 2016 tax years. The following table is a summary of the tax effect of temporary differences that give rise to a significant portion of deferred tax assets and liabilities: December, 31 (in thousands) 2019 2018 Deferred tax assets: Net operating losses $ 30,010 $ 35,415 Allowance for credit losses 2,862 2,717 Valuation on foreclosed real estate 406 617 Supplemental executive benefit plans 559 782 Stock-based compensation 8 29 Deferred loan fees and costs, net 185 576 Fair value adjustments for acquired assets and liabilities 3,003 4,007 Depreciation and amortization — 276 Historic tax credits 1,933 — Other assets 1,680 605 Total deferred tax assets 40,646 45,024 Deferred tax liabilities: Core deposit intangible 2,130 2,929 Fair value adjustments for acquired assets and liabilities 1,468 1,898 Bank owned life insurance — 4,802 Unrealized gain on securities 1,004 110 Depreciation and amortization 34 — Total deferred tax liabilities 4,636 9,739 Net deferred tax assets $ 36,010 $ 35,285 Based on management’s belief that it is more likely than not that all net deferred tax assets will be realized, there was no valuation allowance at either December 31, 2019 or 2018. The Company’s operating loss for the year ended December 31, 2018 generated a federal tax net operating loss of $8.0 million which may be carried forward indefinitely subject to a maximum annual limitation of 80% of taxable income. In addition, as part of the Company’s recent acquisitions, the Company assumed federal tax net operating loss carryforwards. The remaining balance of acquired net operating loss carryforwards totaled approximately $103.5 million and $123.8 million at December 31, 2019 and 2018, respectively. The acquired loss carryforwards can be deducted annually from future taxable income through 2039, subject to various annual limitations. Currently, tax years ending after December 31, 2014 are considered as open for examination by federal and state taxing authorities. Tax Cuts and Jobs Act. The Tax Cuts and Jobs Act was enacted on December 22, 2017. Among other things, the new law (i) established a new, flat corporate federal statutory income tax rate of 21%, (ii) eliminated the corporate alternative minimum tax and allows the use of any tax net operating loss carryforwards to offset regular tax liability for any subsequent taxable year, (iii) limits the deduction for net interest expense incurred by U.S. corporations, (iv) allows businesses to immediately expense, for tax purposes, the cost of new investments in certain qualified depreciable assets, (v) eliminates or reduces certain deductions related to meals and entertainment expenses, (vi) modifies the limitation on excessive employee remuneration to eliminate the exception for performance-based compensation and clarifies the definition of a covered employee and (vii) limits the deductibility of deposit insurance premiums for banks with $10 billion or more in assets. The Tax Cuts and Jobs Act also significantly changes U.S. tax law related to foreign operations, however, such changes do not currently impact the Company. As stated above, as a result of the enactment of the Tax Cuts and Jobs Act, the Company re-measured its deferred tax assets and liabilities based upon the newly enacted U.S. statutory federal income tax rate of 21%, which is the tax rate at which assets and liabilities are expected to reverse in the future. Nonetheless, for the year 2017 the Company recognized a tax expense related to the re-measurement of our deferred tax assets and liabilities totaling $268 thousand.

Related Party Loans and Deposit

Related Party Loans and Deposits	12 Months Ended
	Dec. 31, 2019
Related Party Loans and Deposits
Related Party Loans and Deposits	Note 17: Related Party Loans and Deposits In the normal course of business, loans are made to officers and directors of the Company, as well as to their related interests. In the opinion of management, these loans are consistent with sound banking practices, are within regulatory lending limitations and do not involve more than the normal risk of collectability. Total outstanding balances to the Company’s executive officers, directors and their related interests are presented below. December 31, (in thousands) 2019 2018 Balance January 1 $ 7,218 $ 19,297 Additions 6,519 9,347 Change in status (941) (11,412) Repayments (9,216) (10,014) Balance December 31 $ 3,580 $ 7,218 In addition to the outstanding balances above, total unfunded commitments to these parties at December 31, 2019 and December 31, 2018 were $14.0 million and $21.7 million, respectively. The Bank also routinely enters into deposit relationships with its officers and directors in the normal course of business. These deposit accounts bear the same terms and conditions for comparable deposit accounts of unrelated parties and totaled $22.0 million at December 31, 2019 and $52.0 million at December 31, 2018.

Financial Instruments with Off-

Financial Instruments with Off-Balance Sheet Risk and Contingencies	12 Months Ended
	Dec. 31, 2019
Financial Instruments with Off-Balance Sheet Risk and Contingencies
Financial Instruments with Off-Balance Sheet Risk and Contingencies	Note 18: Financial Instruments with Off-Balance Sheet Risk and Contingencies The Company is a party to financial instruments with off-balance sheet risk in the normal course of business. These financial instruments may include commitments to extend credit, standby letters of credit and purchase commitments. The Company uses these financial instruments to meet the financing needs of its customers. Financial instruments involve, to varying degrees, elements of credit, interest rate, and liquidity risk. These do not represent unusual risks, and management does not anticipate any losses which would have a material effect on the accompanying financial statements. Outstanding loan commitments and lines and letters of credit are as follows: December 31, (in thousands) 2019 2018 Unfunded loan commitments $ 77,314 $ 104,466 Unused lines of credit 309,519 282,822 Letters of credit 13,853 16,661 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. The Company generally requires collateral to support financial instruments with credit risk on the same basis as it does for on-balance sheet instruments. The collateral is based on management’s credit evaluation of the counterparty. Commitments have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amount does not necessarily represent future cash requirements. Each customer’s credit-worthiness is evaluated on a case-by-case basis. Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. In the normal course of its business, the Company is involved in litigation arising from banking, financial, and other activities it conducts. Management, after consultation with legal counsel, does not anticipate that the ultimate liability, if any, arising out of these matters will have a material effect on the Company’s financial condition, operating results or liquidity.

Stock Options and Stock Awards

Stock Options and Stock Awards	12 Months Ended
	Dec. 31, 2019
Stock Options and Stock Awards
Stock Options and Stock Awards	Note 19: Stock Options and Stock Awards Bancorp’s equity incentive plan provides for awards of nonqualified and incentive stock options as well as vested and non-vested common stock awards. As of December 31, 2019, 564,414 shares are reserved for issuance pursuant to future grants under our stock incentive plan. Employee stock options can be granted with exercise prices at the fair market value (as defined within the plan) of the stock at the date of grant and with terms of up to ten years and typically vest over a three to five year period. Except as otherwise permitted in the plan, upon termination of employment for reasons other than retirement, permanent disability or death, the option exercise period is reduced or the options are canceled. Stock awards may also be granted to non-employee members of the Company’s board of directors (the “Board of Directors” or “Board”) as compensation for attendance and participation at meetings of the Board of Directors and meetings of the various committees of the Board. In 2019, 2018 and 2017, Bancorp issued 9,202, 11,868 and 11,404 shares of common stock, respectively, to directors as compensation for their service. Stock Options The fair value of Bancorp’s stock options granted as compensation is estimated on the measurement date, which, for the Company, is the date of grant. The fair value of stock options is calculated using the Black-Scholes option-pricing model under which the Company estimates expected market price volatility and expected term of the options based on historical data and other factors. There were 25,000 stock options granted in 2019, while no stock options were granted in 2018 or 2017. The valuation of Bancorp’s restricted stock and restricted stock units is the closing price per share of Bancorp’s common stock on the date of grant. The following table summarizes Bancorp’s stock option activity and related information for the years ended: December 31, 2019 2018 2017 Weighted Weighted Weighted Average Average Average Exercise Exercise Exercise Shares Price Shares Price Shares Price Balance at January 1, 15,268 $ 8.76 30,991 $ 9.69 123,593 $ 12.36 Granted 25,000 14.54 — — — — Exercised (13,418) 8.58 (9,123) 10.63 (27,113) 11.67 Forfeited (1,850) 10.10 (6,600) 10.52 (65,489) 13.92 Balance at period end 25,000 $ 14.54 15,268 $ 8.76 30,991 $ 9.69 Exercisable at period end — $ — 15,268 $ 8.76 30,991 $ 9.69 Weighted average fair value of options granted during the year $ 5.83 $ — $ — The cash received from the exercise of stock options during 2019, 2018 and 2017 was $116 thousand, $97 thousand and $316 thousand, respectively. The intrinsic value of a stock option is the amount that the market value of the underlying stock exceeds the exercise price of the option. Based upon a fair market value of $16.88 on December 31, 2019 the options outstanding had an aggregate intrinsic value of $59 thousand. At December 31, 2018, based upon a fair market value of $14.30, the options outstanding had an aggregate intrinsic value of $85 thousand. At December 31, 2017, based upon a fair market value of $22.00, the options outstanding had an aggregate intrinsic value of $382 thousand. The stock options outstanding as of December 31, 2019 have contractual terms that permit exercise of the options through 2029. At December 31, 2019, based on stock option awards outstanding at that time, the total unrecognized pre-tax compensation expense related to unvested stock option awards was $101 thousand. Based upon the contractual terms, this expense is expected to be recognized as follows: (in thousands) 2020 $ 49 2021 48 2022 4 $ 101 Restricted Stock Units (“RSU”) RSUs are equity awards where the recipient does not receive the stock immediately, but instead receives it according to a vesting plan and distribution schedule after achieving required performance milestones or upon remaining with the employer for a particular length of time. Each RSU that vests entitles the recipient to receive one share of the Company’s common stock on a specified issuance date. The recipient does not have any stockholder rights, including voting, dividend or liquidation rights, with respect to the shares underlying awarded RSUs until the recipient becomes the record holder of those shares. The valuation of the Company’s RSU is the closing price per share of the Company’s common stock on the date of grant. During 2019, the Company granted 26,500 RSUs which are subject to a three-year vesting schedule. The Company granted 20,732 RSUs during 2018 which vested immediately. During 2017, 18,500 RSUs were granted, all of which are subject to a three-year vesting schedule. A summary of the activity for Bancorp’s RSUs for the periods indicated is presented in the following table: December 31, 2019 2018 2017 Weighted Weighted Weighted Average Average Average Grant Date Grant Date Grant Date Shares Fair Value Shares Fair Value Shares Fair Value Balance at January 1, 9,731 $ 17.29 52,155 $ 15.09 65,491 $ 13.23 Granted 26,500 15.16 20,732 19.90 18,500 17.41 Vested (6,699) 16.13 (54,542) 16.63 (31,836) 12.60 Forfeited (18,500) 14.54 (8,614) 14.41 — — Balance at period end 11,032 $ 17.48 9,731 $ 17.29 52,155 $ 15.09 At December 31, 2019, based on RSU awards outstanding at that time, the total unrecognized pre-tax compensation expense related to unvested RSU awards was $155 thousand. Based upon the contractual terms, this expense is expected to be recognized as follows: (in thousands) 2020 $ 74 2021 44 2022 37 $ 155 Stock-Based Compensation Expense Stock-based compensation expense attributable to stock options and RSUs is based on their fair values on the measurement date, which, for the Company, is the date of the grant. This cost is then recognized in noninterest expense on a straight-line basis over the vesting period of the respective stock options and RSUs. The amount that the Company recognized in stock-based compensation expense related to the issuance of stock options and RSUs as well as director compensation paid in stock is presented in the following table: For the year ended December 31, (in thousands) 2019 2018 2017 Stock-based compensation expense Related to the issuance of RSUs $ 69 $ 656 $ 490 Related to the issuance of stock options 44 — — Director compensation paid in stock 127 217 205 Total stock-based compensation expense $ 240 $ 873 $ 695

Benefit Plans

Benefit Plans	12 Months Ended
	Dec. 31, 2019
Benefit Plans
Benefit Plans	Note 20: Benefit Plans Profit Sharing Plan The Company sponsors a defined contribution retirement plan through a Section 401(k) profit sharing plan. Employees may contribute up to 15% of their pretax compensation. Participants are eligible for matching Company contributions up to 4% of eligible compensation dependent on the level of voluntary contributions. Company matching contributions totaled $1.0 million, $1.1 million and $766 thousand, respectively, for the years ended December 31, 2019, 2018 and 2017. The Company’s matching contributions vest immediately. Supplemental Executive Retirement Plan (“SERP”) In 2014, the Bank created a SERP for the Chief Executive Officer (“CEO”). This plan was amended in 2016. Under the defined benefit SERP, the CEO will receive $150,000 each year for 15 years after attainment of the Normal Retirement Age (as defined in the SERP). The CEO earned vesting on a graduated schedule and she became fully vested on August 25, 2019, which had been established for purposes of the SERP as the commencement date for SERP distributions. Expense related to this SERP totaled $216 thousand, $279 thousand and $275 thousand for 2019, 2018 and 2017, respectively. The accrued liability recorded for this SERP was $1.6 million and $1.5 million at December 31, 2019 and December 31, 2018, respectively. Employee Stock Purchase Plan The 2017 Employee Stock Purchase Plan (the “Plan”) provides eligible employees of the Company and certain of its subsidiaries with opportunities to purchase shares of the Company’s common stock at a discounted price, with the Company contributing up to a 15% discount per offering period. An aggregate of 250,000 shares of the Company’s common stock was approved for issuance under the Plan. The Plan is intended to qualify as an “employee stock purchase plan” as defined in Section 423 of the Internal Revenue Code of 1986, as amended, and the regulations promulgated thereunder, and shall be interpreted consistent therewith. The first offering period under this plan commenced on October 1, 2018, and the expense related to the Plan totaled $39 thousand and $11 thousand for 2019 and 2018, respectively.

Income (loss) per Common Share

Income (loss) per Common Share	12 Months Ended
	Dec. 31, 2019
Income (Loss) per Common Share
Income (Loss) per Common Share	Note 21: Income (Loss) per Common Share The table below shows the presentation of basic and diluted income (loss) per common share for the years ended: December 31, (dollars in thousands, except per share data) 2019 2018 2017 Net income (loss) available to common stockholders (numerator) $ 16,881 $ (3,828) $ 7,200 BASIC Basic average common shares outstanding (denominator) 19,068,246 17,556,554 9,555,952 Basic income (loss) per common share $ 0.89 $ (0.22) $ 0.75 DILUTED Average common shares outstanding 19,068,246 17,556,554 9,555,952 Dilutive effect of common stock equivalents 2,831 — 40,852 Diluted average common shares outstanding (denominator) 19,071,077 17,556,554 9,596,804 Diluted income (loss) per common share $ 0.89 $ (0.22) $ 0.75 Common stock equivalents outstanding that are anti-dilutive and thus excluded from calculation of diluted number of shares presented above 774 14,740 —

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2019
Regulatory Matters
Regulatory Matters	Note 22: Regulatory Matters The Bank is subject to various regulatory capital requirements administered by the federal bank regulatory agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of its assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. In July 2013, the Federal Deposit Insurance Corporation (the “FDIC”) and the other federal bank regulatory agencies issued a final rule that revised their leverage and risk-based capital requirements and the method for calculating risk-weighted assets to make them consistent with agreements that were reached by the Basel Committee on Banking Supervision (“Basel III”) and certain provisions of the Dodd-Frank Act. The final rule, which became effective on January 1, 2015, applies to all depository institutions, top-tier bank holding companies with total consolidated assets of $3 billion or more and top-tier savings and loan holding companies. As of December 31, 2019, Bancorp had less than $3.0 billion in consolidated assets, and, therefore, the Basel III capital requirements do not currently apply to Bancorp, but they do apply to the Bank. The final rule created a new common equity Tier 1 (“CET1”) minimum capital requirement (4.5% of risk-weighted assets), increased the minimum Tier 1 capital ratio (from 4% to 6% of risk-weighted assets), imposed a minimum leverage ratio of 4.0%, and changed the risk-weight of certain assets to better reflect credit risk and other risk exposures. These include, among other things, a 150% risk weight for certain high volatility commercial real estate acquisition, development and construction loans and for non-residential mortgage loans that are 90 days past due or otherwise in non-accrual status, and a 20% credit conversion factor for the unused portion of a commitment with an original maturity of one year or less that is not unconditionally cancellable. The final rule also required unrealized gains and losses on certain “available-for-sale” securities holdings to be included for purposes of calculating regulatory capital unless the Company elected to opt-out from this treatment. The Company has elected to permanently opt out of this treatment in the Company’s capital calculations, as permitted by the final rule. Additionally, subject to a transition schedule, which became fully phased-in on December 31, 2019, the rule limits the Company’s ability to make capital distributions, engage in share repurchases and pay certain discretionary bonus payments if the they do not hold a “capital conservation buffer” consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets in addition to the amount necessary to meet its minimum risk-based capital requirements. In addition, under revised prompt corrective action requirements, in order to be considered “well-capitalized,” the Bank must have a total risk-based capital ratio of 10.0% or greater, a Tier 1 risk-based capital ratio of 8.0% or greater, a common equity Tier 1 ratio of 6.5% or greater, a leverage capital ratio of 5.0% or greater, and not be subject to any written agreement, order, capital directive, or prompt corrective action directive to meet and maintain a specific capital level for any capital measure. There are three main categories of capital under the regulatory capital guidelines. Common equity tier 1 capital consists of paid-in common stock, retained earnings and certain common equity Tier 1 minority interests. Various items, including certain amounts of goodwill, intangible assets, deferred tax assets, must be deducted from common equity Tier 1 before capital ratios are calculated. Tier 1 capital (which, together with common equity tier 1 capital, makes up Tier 1 capital) generally consists of perpetual preferred stock and, in certain circumstances and subject to certain limitations, minority investments in certain subsidiaries, less goodwill and other non-qualifying intangible assets, and certain other deductions. Tier 2 capital consists of perpetual preferred stock that is not otherwise eligible to be included as Tier 1 capital, hybrid capital instruments, term subordinated debt and intermediate-term preferred stock and, subject to limitations, general allowances for credit losses. At least half of total capital must consist of Tier 1 capital. Under the guidelines, capital is compared to the relative risk related to the balance sheet. To derive the risk included in the balance sheet, one of several risk weights is applied to the different balance sheet and off-balance sheet assets, primarily based on the relative credit risk of the counterparty. For example, claims guaranteed by the U.S. government or one of its agencies are risk-weighted at 0%. Off-balance sheet items, such as loan commitments, are also applied a risk weight after calculating balance sheet equivalent amounts. One of four credit conversion factors (0%, 20%, 50% and 100%) is assigned to loan commitments based on the likelihood of the off-balance sheet item becoming an asset. For example, certain loan commitments are converted at 50% and then risk-weighted at 100%. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors Management believes that, as of December 31, 2019 and December 31, 2018, Bancorp and the Bank met all capital adequacy requirements to which they are subject. The following table reflects Bancorp’s and the Bank’s capital as of December 31, 2019 and December 31, 2018: To be well capitalized under the FDICIA For capital prompt corrective Actual adequacy purposes (1) action provisions (dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of Dcember 31, 2019: Total capital (to risk-weighted assets) Howard Bank $ 238,384 12.86 % $ 148,314 8.00 % $ 185,392 10.00 % Howard Bancorp $ 247,761 13.14 % $ 150,872 8.00 % N/A Common equity tier 1 capital (to risk-weighted assets) Howard Bank $ 227,983 12.30 % $ 83,427 4.50 % $ 120,505 6.50 % Howard Bancorp $ 209,119 11.09 % $ 84,866 4.50 % N/A Tier 1 capital (to risk-weighted assets) Howard Bank $ 227,983 12.30 % $ 111,235 6.00 % $ 148,314 8.00 % Howard Bancorp $ 209,119 11.09 % $ 113,154 6.00 % N/A Tier 1 capital (to average assets) (Leverage ratio) Howard Bank $ 227,983 10.43 % $ 87,434 4.00 % $ 109,293 5.00 % Howard Bancorp $ 209,119 9.55 % $ 87,599 4.00 % N/A As of December 31, 2018: Total capital (to risk-weighted assets) Howard Bank $ 212,099 11.80 % $ 143,810 8.00 % $ 179,762 10.00 % Howard Bancorp $ 218,425 12.14 % $ 143,889 8.00 % N/A Common equity tier 1 capital (to risk-weighted assets) Howard Bank $ 202,226 11.25 % $ 80,893 4.50 % $ 116,846 6.50 % Howard Bancorp $ 179,935 10.00 % $ 80,938 4.50 % N/A Tier 1 capital (to risk-weighted assets) Howard Bank $ 202,226 11.25 % $ 107,857 6.00 % $ 143,810 8.00 % Howard Bancorp $ 179,935 10.00 % $ 107,917 6.00 % N/A Tier 1 capital (to average assets) (Leverage ratio) Howard Bank $ 202,226 9.84 % $ 82,212 4.00 % $ 102,765 5.00 % Howard Bancorp $ 179,935 8.77 % $ 82,046 4.00 % N/A (1) Amounts shown exclude the capital conservation buffer of 2.50% for December 31, 2019 and 1.875% for December 31, 2018. Under the Federal Reserve’s Small Bank Holding Company Policy Statement, Bancorp is not subject to the minimum capital adequacy and capital conservation buffer capital requirements at the holding company level, unless otherwise advised by the FRB (such capital requirements are applicable only at the Bank level). Although the minimum regulatory capital requirements are not applicable to Bancorp, the Company calculates these ratios for its own planning and monitoring purposes.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2019
Fair Value
Fair Value	Note 23: Fair Value FASB ASC Topic 820 “Fair Value Measurements” defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. FASB ASC Topic 820 also establishes a fair value hierarchy, which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The Company utilizes fair value measurements to record fair value adjustments to certain assets and to determine fair value disclosures. Securities available for sale are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record at fair value other assets on a nonrecurring basis, such as loans held for investment and certain other assets. These nonrecurring fair value adjustments typically involve application of lower of cost or market accounting or write-downs of individual assets. Under FASB ASC Topic 820, the Company groups assets and liabilities at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine the fair value. These hierarchy levels are: Level 1: Valuations for assets and liabilities traded in active exchange markets. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities. Level 2: Valuations for assets and liabilities traded in less active dealer or broker markets. Valuations are obtained from third party pricing services for identical or comparable assets or liabilities which use observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in active markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 3: Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. A financial instrument's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. Recurring Fair Value Measurements All classes of investment securities available for sale are recorded at fair value using an industry-wide valuation service and therefore fall into a Level 2 of the fair value hierarchy. The service uses evaluated pricing models that vary based on asset class and include available trade, bid and other market information. Various methodologies include broker quotes, proprietary models, descriptive terms and conditions databases, and quality control programs. Fair value of loans held for sale is based upon outstanding investor commitments or, in the absence of such commitments, based on current investor yield requirements or third party pricing models and are considered Level 2. Gains and losses on loan sales are determined using specific identification method. Changes in fair value are recognized in the Consolidated Statement of Operations as part of realized and unrealized gain on mortgage banking activities. Interest rate lock commitments are recorded at fair value determined as the amount that would be required to settle each of these derivatives at the balance sheet date. In the normal course of business, the Company enters into contractual interest rate lock commitments to extend credit to borrowers with fixed expiration dates. The commitment becomes effective when the borrowers lock in a specified interest rate within the time frames established by the mortgage division. All borrowers are evaluated for credit worthiness prior to the extension of the commitment. Market risk arises if interest rates move adversely between the time interest rate is locked by the borrower and the sale date of the loan to an investor. To mitigate this interest rate risk inherent in providing rate lock commitments to borrowers, the Company enters into best effort forward sales contracts to sell loans to investors. The forward sales contracts lock in an interest rate price for the sale of loans similar to the specific rate lock commitment. Rate lock commitments to the borrowers through the date the loan closes are undesignated derivatives and accordingly, are marked to fair value in earnings. These valuations fall into a Level 3 of the fair value hierarchy. The rate lock commitments are deemed as Level 3 inputs because the Company applies an estimated pull-through rate, which is deemed an unobservable measure. For loans held for investment that were originally intended to be sold and previously included as loans held for sale, fair value is determined by discounting estimated cash flows using current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities. The following table sets forth the Company's financial assets and liabilities that were accounted for or disclosed at fair value on a recurring basis at December 31, 2019 and December 31, 2018. December 31, 2019 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Assets Available for sale securities: U.S. Government agencies $ 67,312 $ — $ 67,312 $ — Mortgage-backed securities 142,699 — 142,699 — Other investments 5,494 — 5,494 — Loans held for sale 30,710 — 30,710 — Loans held for investment 997 — 997 — Rate lock commitments 60 — — 60 Interest rate swap assets 217 — 217 — Liabilities Interest rate swap liabilities 228 — 228 — December 31, 2018 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Assets Available for sale securities: U.S. Government agencies $ 130,397 $ — $ 130,397 $ — Mortgage-backed securities 90,460 — 90,460 — Other investments 3,001 — 3,001 — Loans held for sale 21,261 — 21,261 — Loans held for investment 1,303 — 1,303 — Rate lock commitments 126 — — 126 Interest rate swap assets 100 — 100 — Liabilities Interest rate swap liabilities 106 — 106 — The following table presents a reconciliation of the assets that are measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the periods presented: December 31, December 31, (in thousands) 2019 2018 Balance, beginning of period $ 126 $ 530 Privately held equity investment — (72) Net losses included in realized and unrealized gains on mortgage banking activity in noninterest income (66) (332) Balance, end of period $ 60 $ 126 Assets under fair value option are as follows: December 31, 2019 Carrying Aggregate Fair Value Unpaid (in thousands) Amount Principal Difference Loans held for sale $ 30,710 $ 29,969 $ 741 Loans held for investment 997 966 31 December 31, 2018 Carrying Aggregate Fair Value Unpaid (in thousands) Amount Principal Difference Loans held for sale $ 21,261 $ 20,785 $ 476 Loans held for investment 1,303 1,342 (39) The Company elected to measure the loans held for sale and the loans held for investment that were originally intended for sale, but instead were added to the Bank’s portfolio at fair value to better align reported results with the underlying economic changes in value of the loans on the Company’s balance sheet. Non-recurring Fair Value Measurements Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence. In the absence of such evidence, management's best estimate is used. Impaired loans are evaluated and valued at the time the loan is identified as impaired, at the lower of cost or market value. Market value is measured based on the value of the collateral securing these loans and is classified at a Level 3 in the fair value hierarchy. Collateral may be real estate and/or business assets including equipment, inventory and/or accounts receivable. The value of real estate collateral is determined based on appraisal by qualified licensed appraisers hired by the Company. The value of business equipment, inventory and accounts receivable collateral is based on the net book value on the business' financial statements and, if necessary, discounted based on management's review and analysis. Appraised and reported values may be discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the client and client's business. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above. Other real estate owned acquired through, or in lieu of, foreclosure are held for sale and are initially recorded at fair value, less selling costs. Any write-downs to fair value at the time of transfer to OREO are charged to the allowance for credit losses. Values are derived from appraisals of underlying collateral and discounted cash flow analysis. There were valuation losses of $437 thousand and $352 thousand recognized for the years ended December 31, 2019 and 2018, respectively. These charges were for declines in the value of OREO subsequent to foreclosure. OREO is classified within Level 3 of the hierarchy. Net gain/(loss) from the changes included in earnings in fair value of loans held for sale was $265 thousand, $(181) thousand, and $62 thousand at December 31, 2019, 2018 and 2017, respectively. Net gain/(loss) from the changes included in earnings in fair value of loans held for investment was $69 thousand, $(71) thousand and $247 thousand at December 31, 2019, 2018 and 2017 respectively The following table sets forth the Company’s financial assets and liabilities that were accounted for or disclosed at fair value on a nonrecurring basis as of December 31, 2019 and December 31, 2018. December 31, 2019 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Other real estate owned $ 3,098 $ — $ — $ 3,098 Impaired loans: Construction and land 481 — — 481 Residential - first lien 13,131 — — 13,131 Residential - junior lien 786 — — 786 Commercial - owner occupied 566 — — 566 Commercial - non-owner occupied 1,725 — — 1,725 Commercial loans and leases 1,860 — — 1,860 Consumer 127 — — 127 December 31, 2018 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Other real estate owned $ 4,392 $ — $ — $ 4,392 Impaired loans: Construction and land 1,449 — — 1,449 Residential - first lien 13,259 — — 13,259 Residential - junior lien 1,137 — — 1,137 Commercial - owner occupied 1,268 — — 1,268 Commercial - non-owner occupied 2,823 — — 2,823 Commercial loans and leases 2,255 — — 2,255 Consumer 174 — — 174 At December 31, 2019, OREO with a carrying value of $3.1 million consisted of an outstanding balance of $4.6 million, less a valuation allowance of $1.5 million. At December 31, 2018, OREO with a carrying value of $4.4 million consisted of an outstanding balance of $6.6 million, less a valuation allowance of $2.2 million. Specific allocations of the allowance for credit losses attributable to impaired loans at December 31, 2019 and 2018 were $500 thousand and $2.4 million, respectively. Various techniques are used to value OREO and impaired loans. All loans where the underlying collateral is real estate, either construction, land, commercial, or residential, an independent appraisal is used to identify the value of the collateral. The approaches within the appraisal report include sales comparison, income, and replacement cost analysis. The resulting value will be adjusted by a selling cost of 9.5% and the residual value will be used to determine if there is an impairment. Commercial loans and leases and consumer loans utilize a liquidation approach to the impairment analysis. The fair value of a financial instrument is the amount at which the instrument could be exchanged in a current transaction between willing parties, other than in a forced or liquidation sale. Fair value estimates are based on quoted market prices where available or calculated using present value techniques. Since quoted market prices are not available on many of our financial instruments, estimates may be based on the present value of estimated future cash flows and estimated discount rates. The following table presents the estimated fair value of the Company’s financial instruments at the dates indicated: December 31, 2019 Quoted Price in Significant Active Markets Other Significant for Identical Observable Unobservable Carrying Fair Assets Inputs Inputs (in thousands) Amount Value (Level 1) (Level 2) (Level 3) Financial Assets Available for sale securities $ 215,505 $ 215,505 $ — $ 215,505 $ — Held to maturity securities 7,750 7,897 — — 7,897 Nonmarketable equity securities 14,152 14,152 — 14,152 — Loans held for sale 30,710 30,710 — 30,710 — Loans held for investment 997 997 — 997 — Rate lock commitments 60 60 — — 60 Loans and leases 1 1,734,115 1,735,013 — — 1,735,013 Interest rate swap 217 217 — 217 — Financial Liabilities Deposits 1,714,365 1,713,081 — 1,713,081 — Short-term borrowings 236,127 236,127 — 236,127 — Long-term borrowings 83,241 86,972 — 86,972 — Interest rate swap 228 228 — 228 — December 31, 2018 Quoted Price in Significant Active Markets Other Significant for Identical Observable Unobservable Carrying Fair Assets Inputs Inputs (in thousands) Amount Value (Level 1) (Level 2) (Level 3) Financial Assets Available for sale securities $ 223,858 $ 223,858 $ — $ 223,858 $ — Held to maturity securities 9,250 9,253 — — 9,253 Nonmarketable equity securities 11,786 11,786 — 11,786 — Loans held for sale 21,261 21,261 — 21,261 — Loans held for investment 1,303 1,303 — 1,303 — Rate lock commitments 126 126 — — 126 Loans and leases 1 1,638,575 1,613,506 — — 1,613,506 Interest rate swap 100 100 — 100 — Financial Liabilities Deposits 1,685,806 1,681,295 — 1,681,295 — Short-term borrowings 134,576 134,576 — 134,576 — Long-term borrowings 142,077 142,296 — 142,296 — Interest rate swap 106 106 — 106 — [1] Carrying amount is net of unearned income and allowance for loan and lease losses. In accordance with the prospective adoption of ASU No. 2016-01, the fair value of loans were measured using an exit price notion.

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2019
Revenue Recognition
Revenue Recognition	Note 24: Revenue Recognition Service Charges on Deposit Accounts Service charges on deposit accounts consist of account analysis fees, monthly service fees, check orders, and other deposit account related fees. The Banks’s performance obligation for account analysis fees and monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees are largely transactional based, and therefore, the Banks’s performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers’ accounts. Other Operating Income Other operating income is primarily comprised of debit and credit card income, ATM fees, merchant services income, revenue streams such as safety deposit box rental fees, and other miscellaneous service charges. Debit and credit card income is primarily comprised of interchange fees earned whenever the Banks’s debit and credit cards are processed through card payment networks such as Visa. ATM fees are primarily generated when a Bank’s cardholder uses a non-Bank ATM or a non-Bank cardholder uses a Bank ATM. Merchant services income mainly represents fees charged to merchants to process their debit and credit card transactions, in addition to account management fees. Safe deposit box rental fees are charged to the customer on an annual basis and recognized upon receipt of payment. The Bank determined that since rentals and renewals occur fairly consistently over time, revenue is recognized on a basis consistent with the duration of the performance obligation. Other service charges include revenue from processing wire transfers, bill pay service, cashier’s checks, and other services. The Bank’s performance obligation for fees, and other service charges are largely satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or in the following month. The following presents noninterest income, segregated by revenue streams in scope and out of scope of Topic 606, for the twelve months ended: December 31, (in thousands) 2019 2018 2017 NONINTEREST INCOME Service charges on deposit accounts $ 951 $ 595 $ 239 Fees and other service charges 2,556 2,404 954 Other 58 70 57 Noninterest income in scope of Topic 606 3,565 3,069 1,250 Noninterest income out of scope of Topic 606 17,469 14,791 18,274 Total noninterest income $ 21,034 $ 17,860 $ 19,524 Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. The Bank’s noninterest revenue streams are largely based on transactional activity, or standard month-end revenue accruals. Consideration is often received immediately or shortly after the Bank satisfies its performance obligation and revenue is recognized. The Bank does not typically enter into long term revenue contracts with customers, and therefore, does not experience significant contract balances. As of December 31, 2019 and December 31, 2018, the Bank did not have any significant contract balances. Contract Acquisition Costs In connection with the adoption of Topic 606, an entity is required to capitalize, and subsequently amortize into expense, certain incremental costs of obtaining a contract with a customer if these costs are expected to be recovered. The incremental costs of obtaining a contract are those costs that an entity incurs to obtain a contract with a customer that it would not have incurred if the contract had not been obtained (for example, sales commission). The Company utilizes the practical expedient which allows entities to immediately expense contract acquisition costs when the asset that would have resulted from capitalizing these costs would have been amortized in one year or less. Upon adoption of Topic 606, the Bank did not capitalize any contract acquisition costs.

Parent Company Financial Inform

Parent Company Financial Information	12 Months Ended
	Dec. 31, 2019
Parent Company Financial Information
Parent Company Financial Information	Note 25: Parent Company Financial Information The condensed financial statements for Bancorp (Parent Only) are presented below: Howard Bancorp, Inc. Balance Sheets December 31, (in thousands) 2019 2018 ASSETS Cash and cash equivalents $ 9,620 $ 6,843 Investment in subsidiaries 332,794 316,771 Other assets 192 293 Total assets $ 342,606 $ 323,907 LIABILITIES Short-term borrowings $ 101 $ 972 Long-term borrowings 28,241 28,077 Other liabilities 116 175 Total liabilities 28,458 29,224 SHAREHOLDERS’ EQUITY Common stock-par value of $0.01 authorized 20,000,000 shares; issued and outstanding 19,066,913 shares at December 31, 2019 and 19,039,347 at December 31, 2018 191 190 Capital surplus 276,156 275,843 Retained earnings 35,158 18,277 Accumulated other comprehensive income 2,643 373 Total shareholders’ equity 314,148 294,683 Total liabilities and shareholders’equity $ 342,606 $ 323,907 Statements of Operations Year Ended December 31, (in thousands) 2019 2018 2017 INTEREST AND DIVIDEND INCOME Cash dividends from subsidiary $ 5,000 $ — $ — Other interest income 4 1 — Total interest and dividend income 5,004 1 — INTEREST EXPENSE Short-term borrowings 1 6 49 Long-term borrowings 1,903 376 216 Total interest expense 1,904 382 265 NET INTEREST INCOME 3,100 (381) (265) NONINTEREST INCOME Other income — — — NONINTEREST EXPENSE Compensation and benefits 191 268 490 Other operating expense 287 42 73 Total noninterest expense 478 310 563 INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED INCOME OF SUBSIDIARY 2,622 (691) (828) Income taxbenefit (506) (176) (349) Income (loss) before equity in undistributed income of subsidiary 3,128 (515) (479) Equity in undistributed income (loss) of subsidiary 13,753 (3,313) 7,679 Net income (loss) $ 16,881 $ (3,828) $ 7,200 Statements of Cash Flows Year Ended December 31, (in thousands) 2019 2018 2017 CASH FLOWS FROM OPERATING ACTIVITIES: Net income (loss) $ 16,881 $ (3,828) $ 7,200 Adjustments to reconcile net income (loss) to net cash from operating activities: Deferred income taxes (benefits) (213) (117) (115) Share-based compensation 240 873 695 Amortization of debt issuance costs 164 — — Equity in undistributed (income) loss of subsidiary (13,753) 3,313 (7,679) Decrease (increase) in other assets 101 (293) 40 Increase (decrease) in other liabilities 154 (176) 84 Net cash provided by (used in) operating activities 3,574 (228) 225 CASH FLOWS FROM INVESTING ACTIVITIES: Cash paid for acquisition — (9,245) — Investment in subsidiary — (24,177) (23,000) Net cash used in investing activities — (33,422) (23,000) CASH FLOWS FROM FINANCING ACTIVITIES: Net (decrease) increase increase in short-term borrowings (871) 155 (12,542) Net increase (decrease) in long term debt — 24,542 82 Net proceeds from issuance of common stock, net of cost 396 97 38,699 Repurchase of common stock (322) — — Net cash (used in) provided by financing activities (797) 24,794 26,239 Net increase (decrease) in cash and cash equivalents 2,777 (8,856) 3,464 Cash and cash equivalents at beginning of period 6,843 15,699 12,235 Cash and cash equivalents at end of period $ 9,620 $ 6,843 $ 15,699

Quarterly Financial Results (un

Quarterly Financial Results (unaudited)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Results (unaudited)
Quarterly Financial Results (unaudited)	Note 26: Quarterly Financial Results (unaudited) The following table provides a summary of selected consolidated quarterly financial data for the years ended December 31, 2019 and December 31, 2018: 2019 Fourth Third Second First (in thousands, except share data.) Quarter Quarter Quarter Quarter Interest income $ 22,550 $ 22,955 $ 23,145 $ 22,784 Interest expense 5,283 5,740 5,791 5,310 Net interest income 17,267 17,215 17,354 17,474 Provision for loan losses 750 608 1,110 1,725 Noninterest income 5,625 5,033 5,841 4,535 Noninterest expense 14,362 15,405 19,454 14,857 Net income before income taxes 7,780 6,235 2,631 5,427 Income taxexpense 1,880 1,598 543 1,171 Net income available to common shareholders $ 5,900 $ 4,637 $ 2,088 $ 4,256 Net income per common share, basic $ 0.31 $ 0.24 $ 0.11 $ 0.22 Net income per common share, diluted $ 0.31 $ 0.24 $ 0.11 $ 0.22 Average common shares outstanding 19,080,151 19,078,561 19,061,164 19,052,694 Diluted average common shares outstanding 19,083,297 19,081,963 19,067,624 19,066,791 2018 Fourth Third Second First (in thousands, except share data.) Quarter Quarter Quarter Quarter Interest income $ 22,428 $ 22,436 $ 21,165 $ 14,360 Interest expense 4,485 3,789 3,285 2,212 Net interest income 17,943 18,647 17,880 12,148 Provision for loan losses 2,850 696 1,425 1,120 Noninterest income 3,683 3,856 5,617 4,704 Noninterest expense 18,425 16,396 25,140 23,151 Net income (loss) before income taxes 351 5,411 (3,068) (7,419) Income (benefit) tax expense 206 1,432 (791) (1,744) Net income (loss) available to common shareholders $ 145 $ 3,979 $ (2,277) $ (5,675) Net income (loss) per common share, basic $ 0.01 $ 0.21 $ (0.12) $ (0.43) Net income (loss) per common share, diluted $ 0.01 $ 0.21 $ (0.12) $ (0.43) Average common shares outstanding 19,035,316 19,025,855 19,002,851 13,080,614 Diluted average common shares outstanding 19,041,880 19,035,192 19,002,851 13,080,614

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2019
Summary of Significant Accounting Policies
Nature of Operations	Nature of Operations Howard Bancorp, Inc. (“Bancorp” or the “Company”) was incorporated in April 2005 under the laws of the State of Maryland. On December 15, 2005, Bancorp acquired all of the stock of Howard Bank (the “Bank”) pursuant to the Plan of Reorganization approved by the stockholders of the Bank and by federal and state regulatory agencies. Each share of the Bank’s common stock was converted into two shares of Bancorp common stock effected by the filing of Articles of Exchange on that date, and the stockholders of the Bank became the stockholders of Bancorp. Bancorp is now a bank holding company registered under the Bank Holding Company Act of 1956, with a single bank subsidiary, Howard Bank, which operates as a state trust company with commercial banking powers regulated by the Maryland Office of the Commissioner of Financial Regulation (the “Commissioner”). The Bank has nine subsidiaries-six were formed to hold foreclosed real estate (three of which are currently inactive), two own and manage real estate used for corporate purposes, and one holds historic tax credit investments. The Company is a diversified financial services company providing commercial banking, mortgage banking and consumer finance through banking branches, the internet and other distribution channels to businesses, business owners, professionals and other consumers located primarily in the Greater Baltimore Metropolitan Area.
Basis of Presentation	Basis of Presentation The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America (“GAAP”) and prevailing practices within the financial services industry for financial information.
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of Bancorp, the Bank and the Bank’s subsidiaries. All significant intercompany accounts and transactions have been eliminated. The parent company only financial statements report investments in the Bank under the equity method.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant changes in the near-term relate to the determination of the allowance for credit losses, goodwill, deferred tax assets, other-than-temporary impairment of investment securities and the fair value of loans held for sale.
Segment Information	Segment Information The Company has one reportable segment, “Community Banking.” All of the Company’s activities are interrelated, and each activity is dependent and assessed based on how each of the activities of the Company supports the others. For example, lending is dependent upon the ability of the Bank to fund itself with deposits and other borrowings and manage interest rate and credit risk. Accordingly, all significant operating decisions are based upon analysis of the Company as one segment or unit.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents include cash on hand, amounts due from banks, cash items in the process of clearing, federal funds sold, and interest-bearing deposits with banks with original maturities of less than 90 days. Generally, federal funds are sold as overnight investments.
Investment Securities	Investment Securities Debt securities not classified as held-to-maturity are classified as available-for-sale. Investments held-to-maturity represents securities that the Company has both the intent and ability to hold until maturity. Securities available-for-sale are acquired as part of the Bank's asset/liability management strategy and may be sold in response to changes in interest rates, loan demand, changes in prepayment risk and other factors. Securities available-for-sale are carried at estimated fair value, with unrealized gains or losses based on the difference between amortized cost and fair value reported as accumulated other comprehensive income (loss), net of deferred taxes, a separate component of stockholders’ equity, when appropriate. Realized gains and losses, using the specific identification method, are included as a separate component of noninterest income. Related interest and dividends are included in interest income. Premiums and discounts on held-to-maturity investments are amortized to interest income using the effective interest method. Declines in the fair value of individual securities below their amortized cost that are other-than-temporary result in write-downs of the individual securities to their fair value. Factors affecting the determination of whether an other-than-temporary impairment has occurred include a downgrading of the security by a rating agency, a significant deterioration in the financial condition of the issuer, or a change in management’s intent and ability to hold a security for a period of time sufficient to allow for any anticipated recovery in fair value.
Nonmarketable Equity Securities	Nonmarketable Equity Securities Nonmarketable equity securities include equity securities that are not publicly traded or are held to meet regulatory requirements such as Federal Home Loan Bank of Atlanta (“FHLB”) stock. These securities are accounted for at cost and evaluated for impairment each reporting period. Due to redemptive provisions of the FHLB, cost approximates fair value.
Marketable Equity Securities	Marketable Equity Securities Marketable equity securities are carried at estimated fair value based on quoted prices. Changes in fair value of marketable equity securities are recognized in net income. At December 31, 2019 and 2018, marketable equity securities amounted to $4.0 million and $3.7 million, respectively, and are included in the interest receivable and other assets caption of the consolidated balance sheet.
Derivative Instruments and Hedging Activity	Derivative Instruments and Hedging Activity Interest Rate Swaps The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. These interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this activity do not meet the strict hedge accounting requirements, changes in fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. By using derivative instruments, the Company is exposed to credit and market risk. If the counterparty fails to perform, credit risk is equal to the fair value gain in a derivative. When the fair value of a derivative contract is positive, this situation generally indicates that the counterparty is obligated to pay the Company, and, therefore, creates a repayment risk for the Company. When the fair value of a derivative contract is negative, the Company is obligated to pay the counterparty and therefore, has no repayment risk. The Company minimizes the credit risk in derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by the Company. The Company recognizes the fair value of derivatives as assets or liabilities in the financial statements. The accounting for the changes in the fair value of a derivative depends on the intended use of the derivative instrument at inception. The change in fair value of the effective portion of cash flow hedges is accounted for in other comprehensive income rather than net income. Changes in fair value of derivative instruments that are not intended as a hedge are accounted for in the net income in the period of the change (see Derivatives and Hedging Activities footnote for further disclosure). Interest Rate Lock Commitments In connection with its mortgage banking activities, the Company enters into commitments to originate residential mortgage loans whereby the interest rate on the loan is determined prior to funding (i.e. rate lock commitment). Such rate lock commitments on mortgage loans to be sold in the secondary market are considered to be derivatives. The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 15 to 60 days. The Company protects itself from changes in interest rates through the use of best efforts forward delivery commitments, whereby the Company commits to sell a loan at a premium at the time the borrower commits to an interest rate with the intent that the buyer has assumed interest rate risk on the loan. For purposes of calculating fair value of rate lock commitments, the Bank estimates loan closing and investor delivery rate based on historical experience. The measurement of the estimated fair value of the rate lock commitments is presented as realized and unrealized gains from mortgage banking activities with the corresponding balance sheet amount presented within other assets.
Loans Held For Sale	Loans Held For Sale The Company engages in sales of residential mortgage loans originated by the Bank. Loans held for sale are carried at fair value. Fair value is based on outstanding investor commitments or, in the absence of such commitments, on current investor yield requirements based on third party models. The Company elected to measure loans held for sale under the fair value option to better align reported results with the underlying economic changes in value of the loans on the Company’s balance sheet. Changes in the fair value of these loans are recorded in earnings as a component of realized and unrealized gains from mortgage banking activities in noninterest income in the Consolidated Statements of Operations. The Company’s current practice is to sell residential mortgage loans on a servicing released basis, and, therefore, it has no intangible asset recorded for the value of such servicing. Interest on loans held for sale is credited to income based on the principal amounts outstanding. Loans held for sale that were not ultimately sold, but instead were placed into the Bank’s portfolio, are reclassified to loans held for investment and continue to be recorded at fair value.
Loans and Leases	Loans and Leases Loans and leases are stated at their principal balance outstanding, plus deferred origination costs, less unearned discounts and deferred origination fees. Interest on loans and leases is credited to income based on the principal amounts outstanding. Origination fees and costs are amortized to income over the contractual life of the related loans and leases. Generally, accrual of interest on a loan or lease is discontinued when the loan or lease is delinquent more than 90 days unless the collateral securing the loan or lease is sufficient to liquidate the loan. All interest accrued but not collected for loans and leases that are placed on non-accrual or charged-off is reversed against interest income. Interest on these loans and leases is accounted for on the cash basis, until qualifying for return to accrual. Loans and leases are returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured. Management considers loans and leases impaired when, based on current information, it is probable that the Company will not collect all principal and interest payments according to contractual terms. Loans and leases are tested for impairment no later than when principal or interest payments become 90 days or more past due and they are placed on non-accrual. Management also considers the financial condition of the borrower, cash flows of the loan or lease and the value of the related collateral. Impaired loans and leases do not include large groups of smaller balance homogeneous loans and leases such as residential real estate and consumer installment loans which are evaluated collectively for impairment. Loans and leases specifically reviewed for impairment are not considered impaired during periods of “minimal delay” in payment (90 days or less) provided eventual collection of all amounts due is expected. The impairment of a loan or lease may be measured based on the present value of expected future cash flows discounted at the loan or lease’s effective interest rate, or the fair value of the collateral if repayment is expected to be provided by the collateral. Generally, the Company’s impairment on such loans and leases is measured by reference to the fair value of the collateral. Interest income on impaired loans and leases is recognized on the cash basis. The segments of the Company’s loan and lease portfolio are disaggregated to a level that allows management to monitor risk and performance. The commercial real estate (“CRE”) loan segment is further disaggregated into two classes; owner occupied loans and non-owner occupied loans. Non-owner occupied CRE loans, which include loans secured by non-owner occupied nonfarm nonresidential properties, generally have a greater risk profile than owner occupied CRE loans. The residential mortgage loan segment is further disaggregated into two classes: first lien mortgages and second or junior lien mortgages.
Acquired Loans	Acquired Loans Acquired loans are recorded at fair value at the date of acquisition, and accordingly, no allowance for loan losses is transferred to the acquiring entity under the acquisition method. The fair values of loans with evidence of credit deterioration (acquired credit impaired loans) are initially recorded at fair value, but thereafter accounted for differently than purchased, non-credit-impaired loans. For acquired credit impaired loans, the excess of all cash flows estimated to be collectable at the date of acquisition over the initial investment in the acquired credit impaired loan is recognized as interest income, using a level-yield basis over the life of the loan. This amount is referred to as the accretable yield. The acquired credit impaired loan’s contractually-required payments receivable estimated to be in excess of the amount of its future cash flows expected at the date of acquisition is referred to as the non-accretable difference, and is not reflected as an adjustment to the yield, but in the form of a loss accrual or a valuation allowance. Subsequent to the acquisition date, management continues to monitor cash flows on a quarterly basis, to determine the performance of each acquired credit impaired loan in comparison to management’s initial performance expectations. Subsequent decreases in the present value of expected cash flows will be recorded as an increase in the allowance for credit losses through a provision for loan losses. Subsequent significant increases in cash flows result in a reversal of the provision for loan losses to the extent of prior provisions or a reclassification of amount from non-accretable difference to accretable yield, with a positive impact on the accretion of interest income in future periods.
Allowance for Credit Losses	Allowance for Credit Losses The allowance for credit losses is maintained at a level believed adequate by management to absorb probable losses inherent in the loan and lease portfolio and is based on the size and current risk characteristics of the loan and lease portfolio, an assessment of individual problem loans and leases, actual loss experience, current economic events in specific industries and geographic areas including unemployment levels and other pertinent factors including general economic conditions. Determination of the allowance is inherently subjective as it requires significant estimates, including the amounts and timing of expected future cash flows on impaired loans and leases, estimated losses on pools of homogenous loans and leases based on historical loss experience and consideration of economic trends, all of which may be susceptible to significant change. Credit losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance. A provision for credit losses is charged to operations based on management’s periodic evaluation of the factors previously mentioned, as well as other pertinent factors. Evaluations are conducted at least quarterly and more often if deemed necessary. The allowance for credit losses consists of a specific component and a nonspecific component. The components of the allowance for credit losses represent an estimation done pursuant to either the Financial Accounting Standards Board’s (the “FASB”) Accounting Standards Codification (“ASC”) Topic 450 Contingencies or ASC Topic 310 Receivables . The specific component of the allowance for credit losses reflects expected losses resulting from analysis developed through credit allocations for individual loans and leases. The credit allocations are based on a regular analysis of all loans and leases over a fixed-dollar amount where the internal credit rating is at or below a predetermined classification. The specific component of the allowance for credit losses also includes management’s determination of the amounts necessary given concentrations and changes in portfolio mix and volume. The nonspecific portion of the allowance is determined based on management’s assessment of general economic conditions, as well as economic factors in the individual markets in which the Company operates including the strength and timing of economic cycles and concerns over the effects of a prolonged economic downturn in the current cycle. This determination inherently involves a higher risk of uncertainty and considers current risk factors that may not have yet manifested themselves in the Bank’s historical loss factors used to determine the nonspecific component of the allowance, and it recognizes knowledge of the portfolio may be incomplete. The Bank’s historic loss factors are based upon actual losses incurred by portfolio segment over the preceding 24-month period. In portfolio segments where no actual losses have been incurred within the most recent 24-month period, industry loss data for that portfolio segment, as provided by the Federal Deposit Insurance Corporation (“FDIC”), are utilized. In addition to historic loss factors, the Bank’s methodology for the allowance for credit losses also incorporates other risk factors that may be inherent within the portfolio segments. For each portfolio segment, in addition to the historic loss experience, the other factors that are measured and monitored in the overall determination of the allowance include: · changes in lending policies, procedures, practices or personnel; · changes in the level and composition of construction portfolio and related risks; · changes and migration of classified assets; · changes in exposure to subordinate collateral lien positions; · levels and composition of existing guarantees on loans by the Small Business Administration or other agencies; · changes in national, state and local economic trends and business conditions; · changes and trends in levels of loan and lease payment delinquencies; and · any other factors that management considers relevant to the quality or performance of the loan and lease portfolio. Each of these qualitative risk factors is measured based upon data generated either internally, or in the case of economic conditions utilizing independently provided data on items such as unemployment rates, commercial real estate vacancy rates, or other market data deemed relevant to the business conditions within the markets served. The Company’s loan and lease policies state that after all collection efforts have been exhausted, and the loan or lease is deemed to be a loss, then the remaining loan or lease balance will be charged to the Company’s established allowance for credit losses. All loans and leases are evaluated for loss potential once it has been determined by the Watch Committee that the likelihood of repayment is in doubt. When a loan is past due for at least 90 days or a deterioration in debt service coverage ratio, guarantor liquidity, or loan-to-value ratio has occurred that would cause concern regarding the likelihood of the full repayment of principal and interest, and the loan or lease is deemed not to be well secured, the loan or lease would be moved to non-accrual status and a specific reserve is established if the net realizable value is less than the principal value of the loan balance(s). Once the actual loss value has been determined, a charge-off against the allowance for credit losses for the amount of the loss is taken. Each loss is evaluated on its specific facts regarding the appropriate timing to recognize the loss.
Goodwill, Other Intangible Assets and Long-Lived Assets	Goodwill, Other Intangible Assets and Long-Lived Assets Goodwill represents the excess of the purchase price over the sum of the estimated fair values of tangible and identifiable intangible assets acquired less the estimated fair value of the liabilities assumed. Core deposit intangibles represent the estimated value of long‑term deposit relationships acquired in a business combination. The core deposit intangible is amortized over the estimated useful lives of the long-term deposits acquired, and the remaining amounts of the core deposit intangible are periodically reviewed for impairment. Goodwill has an indefinite useful life and is evaluated for impairment annually or more frequently if events and circumstances indicate that the asset might be impaired. Long-lived assets are those that provide the Company with a future economic benefit beyond the current year or operating period. Long-lived assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset is greater than the fair value of the asset. Assets to be disposed of are reported at the lower of the cost or the fair value, less costs to sell. An impairment analysis is performed annually. Management has determined that Bancorp has one reporting unit, and based upon the annual impairment analysis, it was determined that there was not an impairment of the carrying value of either the goodwill, core deposit intangible or other long-lived assets for 2019. The Company is not aware of any issues that have arisen since our last impairment analysis performed in the fourth quarter of 2019.
Business Combinations	Business Combinations GAAP requires that the acquisition method of accounting be used for all business combinations and that an acquirer be identified for each business combination. Under GAAP, the acquirer is the entity that obtains control of one or more businesses in the business combination, and the acquisition date is the date the acquirer achieves control. GAAP requires that the acquirer recognize the fair value of assets acquired, liabilities assumed, and any non - controlling interest in the acquired entity at the acquisition date.
Other Real Estate Owned	Other Real Estate Owned Other real estate acquired through, or in lieu of, foreclosure is initially recorded at fair value less estimated cost to sell at the date of acquisition, establishing a new cost basis. Gains or losses arising at the date of acquisition of such properties are charged against the allowance for credit losses. Subsequent to foreclosure, valuations are periodically performed by management and a valuation allowance is established, if necessary, by a charge to noninterest expense if the carrying value of a property exceeds its estimated fair value less estimated costs to sell. Gains and losses realized from the sale of OREO as well as expenses of operation are recorded in noninterest expense.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation and amortization computed using the straight-line method. Premises and equipment are depreciated over the useful lives of the assets, which generally range from three to 10 years for furniture, fixtures and equipment and three to five years for computer software and hardware. Bank owned premises are depreciated over a range of 20 to 30 years. Leasehold improvements are amortized over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter. The costs of major renewals and betterments are capitalized, while the costs of ordinary maintenance and repairs are included in noninterest expense.
Leases	Leases The Company determines if an arrangement is a lease at inception. All of the Company’s leases are currently classified as operating leases and are included in other assets and other liabilities on the Company’s Consolidated Balance Sheet. Right-of-use (“ROU”) assets represent the Company’s right to use an underlying asset for the lease term, and lease liabilities represent the Company’s obligation to make lease payments arising from the lease arrangements. Operating lease ROU assets and liabilities are recognized at the lease commencement date based on the present value of the expected future lease payments over the remaining lease term. In determining the present value of future lease payments, the Company uses its incremental borrowing rate based on the information available at the lease commencement date. The operating ROU assets are adjusted for any lease payments made at or before lease commencement date, initial direct costs and any lease incentives received. The Company’s lease terms may include options to extend or terminate the lease when it is reasonably certain that the Company will exercise such options. Lease expense is recognized on a straight line basis over the expected lease term. Lease agreements that include lease and non-lease components, such as common area maintenance charges, are accounted for separately.
Income Taxes	Income Taxes The Company uses the asset/liability method of accounting for income taxes. Under the asset/liability method, deferred tax assets and liabilities are determined based on differences between the financial statement carrying amounts and the tax bases of existing assets and liabilities (i.e., temporary differences) and are measured at the enacted rates that will be in effect when these differences reverse. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. In addition, deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion or the entire deferred tax asset will not be realized. The Company does not have uncertain tax positions that are deemed material, and did not recognize any adjustments for unrecognized tax benefits. The Company’s policy is to recognize interest and penalties on income taxes in other noninterest expenses. The Company remains subject to examination by federal and state taxing authorities for income tax returns for the years ending after December 31, 2014.
Net Income Per Common Share	Net Income per Common Share Basic net income per common share is computed by dividing net income available to common stockholders by the weighted average number of common shares outstanding during the year. Diluted net income per common share is computed by dividing net income available to common stockholders by the weighted average number of common shares outstanding during the year including any potential dilutive effects of common stock equivalents. Dilutive common stock equivalents consist of stock options and restricted stock units, calculated under the treasury stock method.
Share-Based Compensation	Share-Based Compensation Compensation cost is recognized for stock options issued to directors and employees. Compensation cost is measured as the fair value of these awards on their date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option awards. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. When an award is granted to an employee who is retirement eligible, the compensation cost of these awards is recognized over the period up to when the director or employee first becomes eligible to retire. Compensation expense for non-vested common stock awards is based on the fair value of the awards, which is generally the market price of the common stock on the measurement date, which, for the Company, is the date of grant, and is recognized ratably over the service period of the award.
Off-Balance Sheet Financial Instruments	Off-Balance Sheet Financial Instruments In the ordinary course of business, the Company has entered into off-balance sheet financial instruments consisting of commitments to extend credit. Such financial instruments are recorded in the consolidated balance sheet when they are funded. Potential exposure to loss on commitments to extend credit, if deemed necessary, would be recorded in other liabilities. As noted under Loans Held for Sale, the Company originates and sells residential mortgage loans to a variety of investors. Mortgage loans sold are subject to representations and warranties made to the third party purchasers regarding certain attributes. Subsequent to the sale, if a material underwriting deficiency or documentation defect is determined, the Company may be obligated to repurchase the mortgage loan or reimburse the investor for losses incurred if the deficiency or defect cannot be rectified within a specific period subsequent to discovery. The Company monitors the activity regarding the requirement to repurchase loans and the associated losses incurred. This information is applied to determine an estimated recourse reserve that is recorded in other liabilities.
Comprehensive Income	Comprehensive Income Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Certain changes in assets and liabilities, such as unrealized gains and losses on securities available for sale, are reported as a separate component of the equity section of the consolidated balance sheets, such items, along with net income, are components of comprehensive income. The Company’s sole component of accumulated other comprehensive income/loss is unrealized gains/losses on available for sale securities.
Transfer of Financial Assets	Transfer of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. In certain cases, the recourse to the Bank to repurchase assets may exist but is deemed immaterial based on the specific facts and circumstances.
Reclassifications	Reclassifications Certain reclassifications to 2018 and 2017 financial presentation were made to conform to the 2019 presentation. These reclassifications did not affect previously reported net income or total stockholders’ equity.
Recent Accounting Pronouncements	Recent Accounting Pronouncements The Financial Accounting Standards Board (“FASB”) has issued Accounting Standards Update (“ASU”) 2019-12, Income Taxes (Topic 740) - Simplifying the Accounting for Income Taxes . The guidance issued in this update simplifies the accounting for income taxes by eliminating certain exceptions to the guidance in ASC 740 related to the approach for intraperiod tax allocation, the methodology for calculating income taxes in an interim period and the recognition for deferred tax liabilities for outside basis differences. This ASU also simplifies aspects of the accounting for franchise taxes and enacted changes in tax laws or rates and clarifies the accounting for transactions that result in a step-up in the tax basis of goodwill. The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020, with early adoption permitted, and is not expected to have a material impact on the Company’s Consolidated Financial Statements. The FASB has issued ASU 2018-16, Derivatives and Hedging (Topic 815): Inclusion of the Secured Overnight Financing Rate (“SOFR”) Overnight Index Swap (“OIS”) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes. This ASU permits use of the OIS rate based on SOFR as a U.S. benchmark interest rate for hedge accounting purposes. Alternative Reference Rates Committee has proposed that the SOFR is the rate that represents best practice as the alternative to derivatives currently indexed to London Inter-Bank Offered Rate (“LIBOR”). The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. The amendments should be adopted on a prospective basis for qualifying new or re-designated hedging relationships entered into on or after the date of adoption. The Company has non-designated hedge contracts that are indexed to LIBOR and is monitoring this activity and evaluating the related risks as they relate to derivatives. The FASB has issued ASU 2019-10, Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842). This ASU amends the effective date of the credit loss standard (ASU 2016-13) for smaller reporting companies, as defined by the SEC. The one-time determination of whether an entity is eligible to be a smaller reporting company is based on an entity’s most recent determination as of November 15, 2019, in accordance with SEC regulations. The Company met this definition of smaller reporting company based on its most recent determination as of November 15, 2019. As a result, the effective date of this ASU for the Company has been amended from fiscal years beginning after December 15, 2019, and interim periods within those fiscal years, to fiscal years beginning after December 31, 2022, and interim periods within those fiscal years. In addition, this ASU amended the mandatory effective date for the elimination of Step 2 from the goodwill impairment test (ASU 2017-04 discussed below). As a smaller reporting company, the effective date of the goodwill impairment standard for the Company has been amended from fiscal years beginning after December 15, 2019, and interim periods within those fiscal years, to fiscal years beginning after December 31, 2022, and interim periods within those fiscal years. The FASB has issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework— Changes to the Disclosure Requirements for Fair Value Measurement. This ASU eliminates, adds and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reason for transfers between Level 1 and Level 2 of the fair value hierarchy, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements. The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019; early adoption is permitted. Entities are also allowed to elect early adoption of the eliminated or modified disclosure requirements and delay adoption of the new disclosure requirements until their effective date. ASU 2018-13 is not expected have a material impact on the Company’s Consolidated Financial Statements. The FASB has issued ASU 2017-04, Intangibles—Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment. The amendments in this Update simplify the subsequent measurement of goodwill by eliminating Step 2 from the goodwill impairment test. The Company should perform its goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. Impairment charges should be recognized for the amount by which the carrying amount exceeds the reporting unit’s fair value, however, the loss recognized should not exceed the total amount of goodwill allocated to that reporting unit. The impairment charge is limited to the amount of goodwill allocated to that reporting unit. As discussed above, this ASU, as amended by ASU 2019-10, will be effective for the Company on January 1, 2023. The Company will evaluate the guidance in this Update but does not expect it to have a significant impact on the Company’s financial position or results of operations. The FASB has issued ASU 2016-13, Financial Instruments—Credit Losses (Topic 326). The main objective of this update is to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. To achieve this objective, the guidance in this Update replaces the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The measurement of expected credit losses is based on relevant information about past events, including historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amount. An entity must use judgment in determining the relevant information and estimation methods that are appropriate in its circumstances. As discussed above, this ASU, as amended by ASU 2019-10, will be effective for the Company on January 1, 2023. The Company has engaged a third party vendor and is currently gathering historical data and reviewing the methodologies and assumptions utilized to determine the impact of this update on the Company’s Consolidated Financial Statements.

Business Combinations (Tables)

Business Combinations (Tables)	12 Months Ended
	Dec. 31, 2019
Business Combinations
Schedule of recognized identified assets acquired and liabilities assumed	The following table provides the purchase price as of the acquisition date, the current identifiable assets acquired and liabilities assumed at their estimated fair values, and the resulting goodwill of $65.3 million recorded from the acquisition: (in thousands) Purchase Price Consideration Cash consideration $ 9,245 Purchase price assigned to shares exchanged for stock 164,578 Total purchase price for First Mariner acquisition $ 173,823 Assets acquired at fair value: Cash and cash equivalents $ 38,889 Interest bearing deposits with banks 3,920 Investment securities available for sale 130,302 Loans held for sale 28,189 Loans 664,338 Accrued interest receivable 3,023 Other assets 124,797 Core deposit intangible 12,588 Total fair value of assets acquired $ 1,006,046 Liabilities assumed at fair value: Deposits 706,435 Borrowings 185,020 Accrued expenses and other liabilities 6,114 Total fair value of liabilities assumed $ 897,569 Net assets acquired at fair value: $ 108,477 Transaction consideration paid to First Mariner 173,823 Amount of goodwill recorded from First Mariner Acquisition $ 65,346
Schedule of contractually required payments receivable, cash flows that the Company expects to receive, non-accretable credit adjustments and the accretable yield	The following table outlines the contractually required payments receivable, cash flows that the Company expects to receive, non-accretable credit adjustments and the accretable yield for all First Mariner loans as of the acquisition date. Contractually Required Non-Accretable Cash Flows Accretable Carring Value Payments Credit Expected to be FMV of Loans (in thousands) Receivable Adjustment Collected Adjustment Receivable Performing loans acquired $ 654,621 $ — $ 654,621 $ 9,054 $ 645,567 Credit impaired loans acquired 29,470 9,644 19,826 1,055 18,771 Total loans acquired $ 684,091 $ 9,644 $ 674,447 $ 10,109 $ 664,338
Schedule of merger related costs included in the Consolidated Statements of Operations	Merger related costs included in the Consolidated Statements of Operations for the year ended December 31, 2018 are summarized as follows: (in thousands) Compensation related $ 9,871 Equipment disposition 1,918 Legal and consulting 2,005 Contract Terminations 677 Accounting & other 1,078 Total $ 15,549
Schedule of proforma financial information	December 31, (in thousands) 2018 2017 Net interest income after provision $ 66,873 $ 59,626 Noninterest income 19,890 29,285 Noninterest expense 77,699 80,721 Net income 6,569 1,315 Net income per share $ 0.35 $ 0.09

Exit of Mortgage Banking Acti_2

Exit of Mortgage Banking Activities (Tables)	12 Months Ended
	Dec. 31, 2019
Exit of Mortgage Banking Activities
Schedule of rollforward of loans held for sale, showing loans originated for sale and loans sold into the secondary market	Year Ended December 31, (dollars in thousands) 2019 2018 2017 Loans held for sale, January 1 $ 21,261 $ 42,153 $ 51,054 Loans originated for sale 573,306 586,385 673,448 Loans held for sale acquired in First Mariner acquisition — 28,189 — Loans sold into the secondary market (563,857) (635,466) (682,349) Loans held for sale, December 31 $ 30,710 $ 21,261 $ 42,153 Loans originated for the Bank's portfolio $ 114,561 $ 57,440 $ 52,905 Statement of Operations: Net interest income $ 681 $ 1,403 $ 1,505 Realized and unrealized gains on mortgage banking activity 7,798 5,245 11,035 Loan related fees and service charges 2,830 4,993 5,083 Total noninterest income 10,628 10,238 16,118 Salaries and benefits 6,394 7,083 7,673 Occupany 354 1,710 661 All other operating expenses 2,287 4,718 7,133 Total noninterest expense 9,035 13,511 15,467 Pretax contribution 2,274 (1,870) 2,156 Income tax expense (benefit) 626 (515) 850 After tax contribution $ 1,648 $ (1,355) $ 1,306

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2019
Investment Securities
Schedule of available-for-sale securities and held-to-maturity	The amortized cost and estimated fair values of investments are as follows: December 31, (in thousands) 2019 2018 Gross Gross Gross Gross Amortized Unrealized Unrealized Estimated Amortized Unrealized Unrealized Estimated Cost Gains Losses Fair Value Cost Gains Losses Fair Value Available for sale U.S. Government Agencies $ 66,428 $ 963 $ 79 $ 67,312 $ 130,088 $ 428 $ 119 $ 130,397 Mortgage-backed 139,918 2,848 67 142,699 90,242 364 146 90,460 Other investments 5,510 4 20 5,494 3,011 — 10 3,001 $ 211,856 $ 3,815 $ 166 $ 215,505 $ 223,341 $ 792 $ 275 $ 223,858 Held to maturity Corporate debentures $ 7,750 $ 147 $ — $ 7,897 $ 9,250 $ 45 $ 42 $ 9,253
Schedule of unrealized loss on investments	December 31, 2019 (in thousands) Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses Available for sale U.S. Government Agencies $ 10,689 $ 79 $ — $ — $ 10,689 $ 79 Mortgage-backed 35,512 60 975 7 36,487 67 Other investments — — 2,990 20 2,990 20 $ 46,201 $ 139 $ 3,965 $ 27 $ 50,166 $ 166 Held to maturity Corporate debentures $ — $ — $ — $ — $ — $ — December 31, 2018 (in thousands) Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses Available for sale U.S. Government Agencies $ 3,049 $ 3 $ 13,887 $ 116 $ 16,936 $ 119 Mortgage-backed 26,197 54 2,107 92 28,304 146 Other investments 3,001 10 — — 3,001 10 $ 32,247 $ 67 $ 15,994 $ 208 $ 48,241 $ 275 Held to maturity Corporate debentures $ 2,458 $ 42 $ — $ — $ 2,458 $ 42
Schedule of investment securities by contractual maturity	December 31, (in thousands) 2019 2018 Amortized Estimated Fair Amortized Estimated Fair Cost Value Cost Value Amounts maturing: One year or less $ 1,497 $ 1,500 $ 38,936 $ 38,892 After one through five years 49,166 50,048 88,175 88,513 After five through ten years 33,576 33,915 19,873 19,921 After ten years 135,367 137,939 85,607 85,785 $ 219,606 $ 223,402 $ 232,591 $ 233,111

Loans and Leases (Tables)

Loans and Leases (Tables)	12 Months Ended
	Dec. 31, 2019
Loans and Leases
Schedule of loan portfolio segment	December 31, 2019 2018 % of % of (in thousands) Total Total Total Total Real estate Construction and land $ 128,285 7.3 % $ 123,671 7.5 % Residential - first lien 437,409 25.1 383,044 23.2 Residential - junior lien 74,164 4.2 89,645 5.4 Total residential real estate 511,573 29.3 472,689 28.6 Commercial - owner occupied 241,795 13.9 234,102 14.2 Commercial - non-owner occupied 444,052 25.4 427,747 25.9 Total commercial real estate 685,847 39.3 661,849 40.1 Total real estate loans 1,325,705 75.9 1,258,209 76.2 Commercial loans and leases 1 372,872 21.4 336,876 20.5 Consumer 46,936 2.7 54,666 3.3 Total loans and leases $ 1,745,513 100.0 % $ 1,649,751 100.0 % 1 Includes leases of $6,382 and $7,607 at December 31, 2019 and 2018, respectively.
Schedule of acquired Credit Impaired Loans	December 31, (in thousands) 2019 2018 2017 Balance at beginning of period $ 877 $ — $ 60 Impaired loans acquired — 1,055 — Accretion of fair value discounts (188) (178) (60) Balance at end of period $ 689 $ 877 $ — The table below presents the outstanding balances and related carrying amounts for all acquired credit impaired loans at the end of the respective periods: Contractually Required Payments Carrying (in thousands) Receivable Amount At December 31, 2019 $ 10,929 $ 8,706 At December 31, 2018 15,463 11,446

Credit Quality Assessment (Tabl

Credit Quality Assessment (Tables)	12 Months Ended
	Dec. 31, 2019
Credit Quality Assessment
Allowance for loan and lease losses	December 31, 2019 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance for credit losses: Beginning balance $ 741 $ 1,170 $ 292 $ 735 $ 4,057 $ 2,644 $ 234 $ 9,873 Charge-offs (282) (518) (532) (46) (2,026) (622) (210) (4,236) Recoveries 80 — 115 — 17 357 2 571 Provision for credit losses 717 1,604 603 99 920 (276) 526 4,193 Ending balance $ 1,256 $ 2,256 $ 478 $ 788 $ 2,968 $ 2,103 $ 552 $ 10,401 Allowance allocated to: individually evaluated for impairment $ — $ — $ — $ — $ — $ 500 $ — $ 500 collectively evaluated for impairment $ 1,256 $ 2,256 $ 478 $ 788 $ 2,968 $ 1,603 $ 552 $ 9,901 Loans and leases: Ending balance $ 128,285 $ 437,409 $ 74,164 $ 241,795 $ 444,052 $ 372,872 $ 46,936 $ 1,745,513 individually evaluated for impairment $ 481 $ 13,131 $ 786 $ 566 $ 1,725 $ 2,360 $ 127 $ 19,176 collectively evaluated for impairment $ 127,804 $ 424,278 $ 73,378 $ 241,229 $ 442,327 $ 370,512 $ 46,809 $ 1,726,337 December 31, 2018 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance for credit losses: Beginning balance $ 735 $ 668 $ 177 $ 617 $ 1,410 $ 2,529 $ 23 $ 6,159 Charge-offs (202) (142) (195) (28) (797) (1,092) (63) (2,519) Recoveries — 8 10 — 32 88 4 142 Provision for credit losses 208 636 300 146 3,412 1,119 270 6,091 Ending balance $ 741 $ 1,170 $ 292 $ 735 $ 4,057 $ 2,644 $ 234 $ 9,873 Allowance allocated to: individually evaluated for impairment $ — $ — $ — $ — $ 2,195 $ 200 $ — $ 2,395 collectively evaluated for impairment $ 741 $ 1,170 $ 292 $ 735 $ 1,862 $ 2,444 $ 234 7,478 Loans and leases: Ending balance $ 123,671 $ 383,044 $ 89,645 $ 234,102 $ 427,747 $ 336,876 $ 54,666 $ 1,649,751 individually evaluated for impairment $ 1,449 $ 13,259 $ 1,137 $ 1,268 $ 5,018 $ 2,455 $ 174 24,760 collectively evaluated for impairment $ 122,222 $ 369,785 $ 88,508 $ 232,834 $ 422,729 $ 334,421 $ 54,492 $ 1,624,991 December 31, 2017 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Allowance for credit losses: Beginning balance $ 511 $ 454 $ 89 $ 327 $ 1,120 $ 3,800 $ 127 $ 6,428 Charge-offs (155) (133) (31) (235) — (1,605) (108) (2,267) Recoveries 6 — 1 6 6 113 35 167 Provision for credit losses 373 347 118 519 284 221 (31) 1,831 Ending balance $ 735 $ 668 $ 177 $ 617 $ 1,410 $ 2,529 $ 23 $ 6,159 Allowance allocated to: individually evaluated for impairment $ 202 $ — $ 29 $ — $ 11 $ 668 $ — $ 910 collectively evaluated for impairment $ 533 $ 668 $ 148 $ 617 $ 1,399 $ 1,861 $ 23 $ 5,249 Loans and leases: Ending balance $ 74,398 $ 194,896 $ 43,047 $ 170,408 $ 260,802 $ 188,729 $ 4,328 $ 936,608 individually evaluated for impairment $ 761 $ 2,009 $ 396 $ 508 $ 5,867 $ 3,724 $ — $ 13,265 collectively evaluated for impairment $ 73,637 $ 192,887 $ 42,651 $ 169,900 $ 254,935 $ 185,005 $ 4,328 $ 923,343
Schedule of credit risk profile	December 31, 2019 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Credit quality indicators: Not classified $ 127,804 $ 425,247 $ 73,378 $ 241,229 $ 442,327 $ 370,837 $ 46,809 $ 1,727,631 Special mention — — — — — — — — Substandard 481 12,162 786 566 1,725 2,035 127 17,882 Doubtful — — — — — — — — Total $ 128,285 $ 437,409 $ 74,164 $ 241,795 $ 444,052 $ 372,872 $ 46,936 $ 1,745,513 December 31, 2018 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Credit quality indicators: Not classified $ 122,270 $ 370,766 $ 88,507 $ 228,408 $ 422,591 $ 334,152 $ 54,492 $ 1,621,186 Special mention 78 — — 3,877 — — — 3,955 Substandard 1,323 12,278 1,138 1,817 5,156 2,724 174 24,610 Doubtful — — — — — — — — Total $ 123,671 $ 383,044 $ 89,645 $ 234,102 $ 427,747 $ 336,876 $ 54,666 $ 1,649,751
Schedule of aged analysis of past due loans	December 31, 2019 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Analysis of past due loans and leases: Accruing loans and leases current $ 127,804 $ 418,668 $ 71,634 $ 241,062 $ 442,132 $ 370,877 $ 46,776 $ 1,718,953 Accruing loans and leases past due: 30-59 days past due — 3,312 748 — 195 35 19 4,309 60-89 days past due — 3,220 996 167 — — 14 4,397 Greater than 90 days past due — 47 — — — — — 47 Total past due — 6,579 1,744 167 195 35 33 8,753 Non-accrual loans and leases 1 481 12,162 786 566 1,725 1,960 127 17,807 Total loans and leases $ 128,285 $ 437,409 $ 74,164 $ 241,795 $ 444,052 $ 372,872 $ 46,936 $ 1,745,513 December 31, 2018 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Analysis of past due loans and leases: Accruing loans and leases current $ 121,831 $ 361,522 $ 86,884 $ 232,834 $ 422,297 $ 334,058 $ 54,483 $ 1,613,909 Accruing loans and leases past due: 30-59 days past due — 6,433 937 — 432 94 9 7,905 60-89 days past due 166 2,241 687 — — 307 — 3,401 Greater than 90 days past due 351 570 — — — — — 921 Total past due 517 9,244 1,624 — 432 401 9 12,227 Non-accrual loans and leases 1 1,323 12,278 1,137 1,268 5,018 2,417 174 23,615 Total loans and leases $ 123,671 $ 383,044 $ 89,645 $ 234,102 $ 427,747 $ 336,876 $ 54,666 $ 1,649,751 1 Included are acquired credit impaired loans where the Company amortizes the accretable discount into interest income, however these loans do not accrue interest based on the terms of the loan.
Schedule of impaired loans	December 31, 2019 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Impaired loans: Recorded investment 1 $ 481 $ 13,131 $ 786 $ 566 $ 1,725 $ 2,360 $ 127 $ 19,176 With an allowance recorded — — — — — 554 — 554 With no related allowance recorded 481 13,131 786 566 1,725 1,806 127 18,622 Related allowance — — — — — 500 — 500 Unpaid principal 667 14,371 986 583 2,023 3,584 130 22,344 Average balance of impaired loans 814 15,586 1,338 594 2,105 4,392 141 24,970 Interest income recognized 5 400 106 30 11 195 1 748 December 31, 2018 Commercial real estate Commercial Construction Residential real estate owner non-owner loans Consumer (in thousands) and land first lien junior lien occupied occupied and leases loans Total Impaired loans: Recorded investment 1 $ 1,449 $ 13,259 $ 1,137 $ 1,268 $ 5,018 $ 2,455 $ 174 $ 24,760 With an allowance recorded — — — — 2,816 200 — 3,016 With no related allowance recorded 1,449 13,259 1,137 1,268 2,202 2,255 174 21,744 Related allowance — — — — 2,195 200 — 2,395 Unpaid principal 1,873 14,425 1,456 1,569 5,295 4,868 185 29,671 Average balance of impaired loans 1,873 15,446 1,448 1,569 5,340 5,556 185 31,417 Interest income recognized — 474 51 16 5 125 5 676 1 Included are acquired credit impaired loans where the Company amortizes the accretable discount into interest income, however these loans do not accrue interest based on the terms of the loan.
Schedule of TDRs	December 31, 2019 Number Non-Accrual Number Accrual Total (dollars in thousands) of Loans Status of Loans Status TDRs Construction and land 1 $ 125 — $ — $ 125 Residential real estate - first lien 2 274 2 968 1,242 Commercial loans and leases 1 414 2 367 781 4 $ 813 4 $ 1,335 $ 2,148 December 31, 2018 Number Non-Accrual Number Accrual Total (dollars in thousands) of Loans Status of Loans Status TDRs Construction and land — $ — 1 $ 125 $ 125 Residential real estate - first lien 2 291 2 982 1,273 Commercial - non-owner occupied 2 2,815 — — 2,815 Commercial loans and leases 1 514 — — 514 5 $ 3,620 3 $ 1,107 $ 4,727
Schedule of summary of TDR modifications	December 31, 2019 Not Performing Performing Related to Modified to Modified Total (in thousands) Allowance Terms Terms TDRs Construction and land Extension or other modification $ — $ 125 $ — $ 125 Residential real estate - first lien Extension or other modification — 274 968 1,242 Commercial loans Extension or other modification — — 367 367 Forbearance — 414 — 414 Total troubled debt restructured loans $ — $ 813 $ 1,335 $ 2,148 December 31, 2018 Not Performing Performing Related to Modified to Modified Total (in thousands) Allowance Terms Terms TDRs Construction and land Extension or other modification $ — $ — $ 125 $ 125 Residential real estate - first lien Extension or other modification — 291 982 1,273 Commercial RE - non-owner occupied Rate modification 2,195 2,815 — 2,815 Commercial loans Forbearance — 514 — 514 Total troubled debt restructured loans $ 2,195 $ 3,620 $ 1,107 $ 4,727

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2019
Derivatives and Hedging Activities
Schedule of derivative financial instruments	December 31, 2019 Balance Sheet Notional Estimated Fair Value (dollars in thousands) Location Amount Gain Loss Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other assets and other liabilities $ 2,853 $ 217 $ — Matched interest rate swaps with counterparty Other assets and other liabilities $ 2,853 $ — $ 228 December 31, 2018 Balance Sheet Notional Estimated Fair Value (dollars in thousands) Location Amount Gain Loss Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other assets and other liabilities $ 3,061 $ 100 $ — Matched interest rate swaps with counterparty Other assets and other liabilities $ 3,061 $ — $ 106

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2019
Goodwill and Other Intangible Assets
Schedule of goodwill	The table below shows goodwill balances at December 31, 2019 and December 31, 2018. December 31, (in thousands) 2019 2018 Goodwill Banking $ 65,949 $ 70,697
Schedule of gross carrying amount and accumulated amortization of other intangible assets	December 31, 2019 Weighted Gross Net Average Carrying Accumulated Carrying Remaining Life (in thousands) Amount Amortization Amount (Years) Amortizing intangible assets: Core deposit intangible $ 16,135 $ 7,666 $ 8,469 3.7 December 31, 2018 Weighted Gross Net Average Carrying Accumulated Carrying Remaining Life (in thousands) Amount Amortization Amount (Years) Amortizing intangible assets: Core deposit intangible $ 16,135 $ 4,653 $ 11,482 4.7
Schedule of estimated future amortization expense	Estimated future amortization expense for amortizing intangible assets for the years ending December 31, is as follows: (in thousands) 2020 $ 2,674 2021 2,326 2022 1,915 2023 1,298 2024 256 Total amortizing intangible assets $ 8,469

Bank Premises and Equipment (Ta

Bank Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Bank Premises and Equipment
Schedule of premises and equipment	December 31, (in thousands) 2019 2018 Land $ 8,849 $ 10,239 Building and leasehold improvements 35,960 35,571 Furniture and equipment 6,028 6,686 Software 387 419 51,224 52,915 Less: accumulated depreciation and amortization 8,500 7,778 Net premises and equipment $ 42,724 $ 45,137

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2019
Leases
Schedule of operating leases	Operating leases included the following at: (in thousands) December 31, 2019 Operating Leases Operating leases ROU $ 14,092 Operating lease liabilities $ 14,507
Schedule of components of lease expense	The components of lease expense were as follows: December 31, (in thousands) 2019 2018 2017 Operating lease cost $ 1,899 $ 3,693 $ 1,995 Sublease income (562) (534) (387) Amortization of ROU assets 150 — — $ 1,487 $ 3,159 $ 1,608
Schedule of lease liability maturities	Lease liability maturities are as follows: (in thousands) 2020 $ 1,636 2021 1,546 2022 1,404 2023 1,257 2024 1,055 Thereafter 11,341 Total future lease payments $ 18,239 Discount of cash flows (3,732) Present value on net future lease payments $ 14,507 Weighted average remaining term in years 6.89 Weighted average discount rate 3.02 %

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Deposits
Schedule of deposits	December 31, (dollars in thousands) 2019 2018 % of % of Amount Total Amount Total Noninterest-bearing demand $ 468,975 27 % $ 429,200 26 % Interest-bearing checking 183,447 11 227,322 13 Money market accounts 360,711 21 356,130 21 Savings 130,141 7 134,893 8 Certificates of deposit $250 and over 77,782 5 82,511 5 Certificates of deposit under $250 493,309 29 455,750 27 Total deposits $ 1,714,365 100 % $ 1,685,806 100 %
Schedule of presents the maturity schedule for time deposits maturing within years	The following table presents the maturity schedule for time deposits maturing within years ending December 31: (in thousands) 2020 $ 458,908 2021 87,877 2022 14,613 2023 5,630 2024 4,063 Total time deposits $ 571,091
Schedule of interest expense on deposits	Interest expense on deposits for the twelve months ended December 31, 2019, December 31, 2018 and December 31, 2017 were as follows: December 31, (in thousands) 2019 2018 2017 Interest-bearing checking $ 912 $ 554 $ 168 Savings and money market 3,063 2,393 1,217 Certificates of deposit 11,487 5,593 2,612 Total $ 15,462 $ 8,540 $ 3,997

Short-Term Borrowings (Tables)

Short-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2019
Short-Term Borrowings
Schedule of short-term borrowings	December 31, 2019 2018 Maximum Maximum Month-End Month-End (dollars in thousands) Amount Rate Balance Amount Rate Balance FHLB advances $ 230,000 1.70 % $ 273,000 $ 118,000 2.34 % $ 310,023 Repurchase agreements 1 6,127 0.19 15,293 16,576 0.21 25,291 Federal funds purchased — — — — — 30,000 Total short-term borrowings $ 236,127 1.66 % — $ 134,576 2.08 % — Averages for the year: FHLB advances $ 148,460 2.30 % — $ 125,108 1.80 % — Repurchase agreements 1 7,122 0.19 — 18,927 0.19 — Federal funds purchased 625 2.30 — 2,015 2.04 — Total short-term borrowings $ 156,207 2.20 % — $ 146,050 1.59 % — 1 Includes overnight unsecured master notes

Long-Term Borrowings (Tables)

Long-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2019
Long-Term Borrowings
Schedule of Long-term borrowings	Long-term borrowings at December 31, 2019 and 2018 consisted of the following: December 31, (in thousands) 2019 2018 Federal Home Loan Bank Advances 0.63% Due 2029 1 $ 15,000 $ — 0.56% Due 2029 1 20,000 — 0.74% Due 2029 1 15,000 — 1.62% Due 2024 2 5,000 — 2.48% Due 2020 2 — 14,000 2.53% Due 2020 2 — 15,000 2.67% Due 2020 2 — 30,000 2.62% Due 2020 2 — 30,000 2.71% Due 2020 2 — 25,000 Total principal of long-term borrowings at FHLB 55,000 114,000 Subordinated debentures 2.48% Due 2035 3 5,000 5,000 6.00% Due 2028 4 25,000 25,000 Total principal of subordinated debentures 30,000 30,000 Total principal of long-term borrowings 85,000 144,000 Purchase accounting adjustment on acquired debt 3 (1,302) (1,384) Cost of issuance of subordinated debt 4 (457) (539) Total long-term borrowings $ 83,241 $ 142,077 (1) Convertible rate advances (2) Fixed rate hybrid advances (3) Subordinated debt acquired in 2015. Carrying value after purchase accounting adjustments of $3.7 million at December 31, 2019. Interest adjusts quarterly at the rate of three month LIBOR plus 1.48% (4) Subordinated debt issued in 2018. Carrying value net of issuance costs of $24.5 million at December 31, 2019. Initial rate of 6.00% per annum for five years. Subsequent rate adjusts quarterly at the rate of three month LIBOR plus 3.02%

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Income Taxes
Schedule of components of income tax expense (benefit)	Federal and state income tax expense (benefit) consists of the following for the years ended: December 31, (in thousands) 2019 2018 2017 Current federal income tax $ — $ — $ 3,243 Current state income tax — — 1,038 Deferred federal income tax 3,986 (627) (968) Deferred state income tax 1,206 (270) (161) Total income taxexpense (benefit) $ 5,192 $ (897) $ 3,152
Schedule of effective income tax rate reconciliation	A reconciliation of the statutory federal income tax expense (benefit) to the Company’s effective tax (benefit) rate for the years ended follows: 2019 2018 2017 Percentage of Percentage of Percentage of (in thousands) Amount Pretax Income Amount Pretax Income Amount Pretax Income Statutory federal income taxexpense (benefit) $ 4,635 21.0 % $ (992) 21.0 % $ 3,520 34.0 % State income taxes, net of federal income taxbenefit 953 4.3 (213) 4.5 579 5.6 Bank owned life insurance (568) (2.6) (162) 3.4 (258) (2.5) Acquisition related costs — — 316 (6.7) 115 1.1 Revaluation of deferred taxes — — — — 268 2.6 Correction of error — — — — (675) (6.5) Other, net 172 0.8 154 (3.3) (396) (3.8) Total income taxexpense (benefit) $ 5,192 23.5 % $ (897) 19.0 % $ 3,152 30.4 %
Schedule of deferred tax assets and liabilities	The following table is a summary of the tax effect of temporary differences that give rise to a significant portion of deferred tax assets and liabilities: December, 31 (in thousands) 2019 2018 Deferred tax assets: Net operating losses $ 30,010 $ 35,415 Allowance for credit losses 2,862 2,717 Valuation on foreclosed real estate 406 617 Supplemental executive benefit plans 559 782 Stock-based compensation 8 29 Deferred loan fees and costs, net 185 576 Fair value adjustments for acquired assets and liabilities 3,003 4,007 Depreciation and amortization — 276 Historic tax credits 1,933 — Other assets 1,680 605 Total deferred tax assets 40,646 45,024 Deferred tax liabilities: Core deposit intangible 2,130 2,929 Fair value adjustments for acquired assets and liabilities 1,468 1,898 Bank owned life insurance — 4,802 Unrealized gain on securities 1,004 110 Depreciation and amortization 34 — Total deferred tax liabilities 4,636 9,739 Net deferred tax assets $ 36,010 $ 35,285

Related Party Loans and Depos_2

Related Party Loans and Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Related Party Loans and Deposits
Schedule of related party transactions	Total outstanding balances to the Company’s executive officers, directors and their related interests are presented below. December 31, (in thousands) 2019 2018 Balance January 1 $ 7,218 $ 19,297 Additions 6,519 9,347 Change in status (941) (11,412) Repayments (9,216) (10,014) Balance December 31 $ 3,580 $ 7,218

Financial Instruments with Of_2

Financial Instruments with Off-Balance Sheet Risk and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2019
Financial Instruments with Off-Balance Sheet Risk and Contingencies
Schedule of Outstanding Loan Commitments and Lines and Letters of Credit	Outstanding loan commitments and lines and letters of credit are as follows: December 31, (in thousands) 2019 2018 Unfunded loan commitments $ 77,314 $ 104,466 Unused lines of credit 309,519 282,822 Letters of credit 13,853 16,661

Stock Options and Stock Awards

Stock Options and Stock Awards (Tables)	12 Months Ended
	Dec. 31, 2019
Schedule of stock options, activity	December 31, 2019 2018 2017 Weighted Weighted Weighted Average Average Average Exercise Exercise Exercise Shares Price Shares Price Shares Price Balance at January 1, 15,268 $ 8.76 30,991 $ 9.69 123,593 $ 12.36 Granted 25,000 14.54 — — — — Exercised (13,418) 8.58 (9,123) 10.63 (27,113) 11.67 Forfeited (1,850) 10.10 (6,600) 10.52 (65,489) 13.92 Balance at period end 25,000 $ 14.54 15,268 $ 8.76 30,991 $ 9.69 Exercisable at period end — $ — 15,268 $ 8.76 30,991 $ 9.69 Weighted average fair value of options granted during the year $ 5.83 $ — $ —
Schedule of restricted stock and stock units activity	A summary of the activity for Bancorp’s RSUs for the periods indicated is presented in the following table: December 31, 2019 2018 2017 Weighted Weighted Weighted Average Average Average Grant Date Grant Date Grant Date Shares Fair Value Shares Fair Value Shares Fair Value Balance at January 1, 9,731 $ 17.29 52,155 $ 15.09 65,491 $ 13.23 Granted 26,500 15.16 20,732 19.90 18,500 17.41 Vested (6,699) 16.13 (54,542) 16.63 (31,836) 12.60 Forfeited (18,500) 14.54 (8,614) 14.41 — — Balance at period end 11,032 $ 17.48 9,731 $ 17.29 52,155 $ 15.09
Stock-based compensation expense	For the year ended December 31, (in thousands) 2019 2018 2017 Stock-based compensation expense Related to the issuance of RSUs $ 69 $ 656 $ 490 Related to the issuance of stock options 44 — — Director compensation paid in stock 127 217 205 Total stock-based compensation expense $ 240 $ 873 $ 695
Employee Stock Option [Member]
Schedule of unrecognized pre-tax compensation expense	At December 31, 2019, based on stock option awards outstanding at that time, the total unrecognized pre-tax compensation expense related to unvested stock option awards was $101 thousand. Based upon the contractual terms, this expense is expected to be recognized as follows: (in thousands) 2020 $ 49 2021 48 2022 4 $ 101
Restricted Stock Units (RSUs) [Member]
Schedule of unrecognized pre-tax compensation expense	At December 31, 2019, based on RSU awards outstanding at that time, the total unrecognized pre-tax compensation expense related to unvested RSU awards was $155 thousand. Based upon the contractual terms, this expense is expected to be recognized as follows: (in thousands) 2020 $ 74 2021 44 2022 37 $ 155

Income (Loss) per Common Share

Income (Loss) per Common Share (Tables)	12 Months Ended
	Dec. 31, 2019
Income (Loss) per Common Share
Schedule of basic and diluted income (loss) per common share	December 31, (dollars in thousands, except per share data) 2019 2018 2017 Net income (loss) available to common stockholders (numerator) $ 16,881 $ (3,828) $ 7,200 BASIC Basic average common shares outstanding (denominator) 19,068,246 17,556,554 9,555,952 Basic income (loss) per common share $ 0.89 $ (0.22) $ 0.75 DILUTED Average common shares outstanding 19,068,246 17,556,554 9,555,952 Dilutive effect of common stock equivalents 2,831 — 40,852 Diluted average common shares outstanding (denominator) 19,071,077 17,556,554 9,596,804 Diluted income (loss) per common share $ 0.89 $ (0.22) $ 0.75 Common stock equivalents outstanding that are anti-dilutive and thus excluded from calculation of diluted number of shares presented above 774 14,740 —

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2019
Regulatory Matters
Schedule of Bancorp's and the Bank's capital	The following table reflects Bancorp’s and the Bank’s capital as of December 31, 2019 and December 31, 2018: To be well capitalized under the FDICIA For capital prompt corrective Actual adequacy purposes (1) action provisions (dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of Dcember 31, 2019: Total capital (to risk-weighted assets) Howard Bank $ 238,384 12.86 % $ 148,314 8.00 % $ 185,392 10.00 % Howard Bancorp $ 247,761 13.14 % $ 150,872 8.00 % N/A Common equity tier 1 capital (to risk-weighted assets) Howard Bank $ 227,983 12.30 % $ 83,427 4.50 % $ 120,505 6.50 % Howard Bancorp $ 209,119 11.09 % $ 84,866 4.50 % N/A Tier 1 capital (to risk-weighted assets) Howard Bank $ 227,983 12.30 % $ 111,235 6.00 % $ 148,314 8.00 % Howard Bancorp $ 209,119 11.09 % $ 113,154 6.00 % N/A Tier 1 capital (to average assets) (Leverage ratio) Howard Bank $ 227,983 10.43 % $ 87,434 4.00 % $ 109,293 5.00 % Howard Bancorp $ 209,119 9.55 % $ 87,599 4.00 % N/A As of December 31, 2018: Total capital (to risk-weighted assets) Howard Bank $ 212,099 11.80 % $ 143,810 8.00 % $ 179,762 10.00 % Howard Bancorp $ 218,425 12.14 % $ 143,889 8.00 % N/A Common equity tier 1 capital (to risk-weighted assets) Howard Bank $ 202,226 11.25 % $ 80,893 4.50 % $ 116,846 6.50 % Howard Bancorp $ 179,935 10.00 % $ 80,938 4.50 % N/A Tier 1 capital (to risk-weighted assets) Howard Bank $ 202,226 11.25 % $ 107,857 6.00 % $ 143,810 8.00 % Howard Bancorp $ 179,935 10.00 % $ 107,917 6.00 % N/A Tier 1 capital (to average assets) (Leverage ratio) Howard Bank $ 202,226 9.84 % $ 82,212 4.00 % $ 102,765 5.00 % Howard Bancorp $ 179,935 8.77 % $ 82,046 4.00 % N/A (1) Amounts shown exclude the capital conservation buffer of 2.50% for December 31, 2019 and 1.875% for December 31, 2018. Under the Federal Reserve’s Small Bank Holding Company Policy Statement, Bancorp is not subject to the minimum capital adequacy and capital conservation buffer capital requirements at the holding company level, unless otherwise advised by the FRB (such capital requirements are applicable only at the Bank level). Although the minimum regulatory capital requirements are not applicable to Bancorp, the Company calculates these ratios for its own planning and monitoring purposes.

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2019
Fair Value
Schedule of financial assets and liabilities that were accounted for at fair value on a recurring basis	December 31, 2019 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Assets Available for sale securities: U.S. Government agencies $ 67,312 $ — $ 67,312 $ — Mortgage-backed securities 142,699 — 142,699 — Other investments 5,494 — 5,494 — Loans held for sale 30,710 — 30,710 — Loans held for investment 997 — 997 — Rate lock commitments 60 — — 60 Interest rate swap assets 217 — 217 — Liabilities Interest rate swap liabilities 228 — 228 — December 31, 2018 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Assets Available for sale securities: U.S. Government agencies $ 130,397 $ — $ 130,397 $ — Mortgage-backed securities 90,460 — 90,460 — Other investments 3,001 — 3,001 — Loans held for sale 21,261 — 21,261 — Loans held for investment 1,303 — 1,303 — Rate lock commitments 126 — — 126 Interest rate swap assets 100 — 100 — Liabilities Interest rate swap liabilities 106 — 106 —
Schedule of reconciliation of the assets that are measured at fair value on a recurring basis using significant unobservable inputs (Level 3)	December 31, December 31, (in thousands) 2019 2018 Balance, beginning of period $ 126 $ 530 Privately held equity investment — (72) Net losses included in realized and unrealized gains on mortgage banking activity in noninterest income (66) (332) Balance, end of period $ 60 $ 126
Schedule of assets under fair value option	December 31, 2019 Carrying Aggregate Fair Value Unpaid (in thousands) Amount Principal Difference Loans held for sale $ 30,710 $ 29,969 $ 741 Loans held for investment 997 966 31 December 31, 2018 Carrying Aggregate Fair Value Unpaid (in thousands) Amount Principal Difference Loans held for sale $ 21,261 $ 20,785 $ 476 Loans held for investment 1,303 1,342 (39)
Schedule of impaired loans are measured using the fair value of collateral	December 31, 2019 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Other real estate owned $ 3,098 $ — $ — $ 3,098 Impaired loans: Construction and land 481 — — 481 Residential - first lien 13,131 — — 13,131 Residential - junior lien 786 — — 786 Commercial - owner occupied 566 — — 566 Commercial - non-owner occupied 1,725 — — 1,725 Commercial loans and leases 1,860 — — 1,860 Consumer 127 — — 127 December 31, 2018 Quoted Price in Significant Active Markets Other Significant Carrying for Identical Observable Unobservable Value Assets Inputs Inputs (in thousands) (Fair Value) (Level 1) (Level 2) (Level 3) Other real estate owned $ 4,392 $ — $ — $ 4,392 Impaired loans: Construction and land 1,449 — — 1,449 Residential - first lien 13,259 — — 13,259 Residential - junior lien 1,137 — — 1,137 Commercial - owner occupied 1,268 — — 1,268 Commercial - non-owner occupied 2,823 — — 2,823 Commercial loans and leases 2,255 — — 2,255 Consumer 174 — — 174
Schedule of estimated fair value of the Company's financial instruments	December 31, 2019 Quoted Price in Significant Active Markets Other Significant for Identical Observable Unobservable Carrying Fair Assets Inputs Inputs (in thousands) Amount Value (Level 1) (Level 2) (Level 3) Financial Assets Available for sale securities $ 215,505 $ 215,505 $ — $ 215,505 $ — Held to maturity securities 7,750 7,897 — — 7,897 Nonmarketable equity securities 14,152 14,152 — 14,152 — Loans held for sale 30,710 30,710 — 30,710 — Loans held for investment 997 997 — 997 — Rate lock commitments 60 60 — — 60 Loans and leases 1 1,734,115 1,735,013 — — 1,735,013 Interest rate swap 217 217 — 217 — Financial Liabilities Deposits 1,714,365 1,713,081 — 1,713,081 — Short-term borrowings 236,127 236,127 — 236,127 — Long-term borrowings 83,241 86,972 — 86,972 — Interest rate swap 228 228 — 228 — December 31, 2018 Quoted Price in Significant Active Markets Other Significant for Identical Observable Unobservable Carrying Fair Assets Inputs Inputs (in thousands) Amount Value (Level 1) (Level 2) (Level 3) Financial Assets Available for sale securities $ 223,858 $ 223,858 $ — $ 223,858 $ — Held to maturity securities 9,250 9,253 — — 9,253 Nonmarketable equity securities 11,786 11,786 — 11,786 — Loans held for sale 21,261 21,261 — 21,261 — Loans held for investment 1,303 1,303 — 1,303 — Rate lock commitments 126 126 — — 126 Loans and leases 1 1,638,575 1,613,506 — — 1,613,506 Interest rate swap 100 100 — 100 — Financial Liabilities Deposits 1,685,806 1,681,295 — 1,681,295 — Short-term borrowings 134,576 134,576 — 134,576 — Long-term borrowings 142,077 142,296 — 142,296 — Interest rate swap 106 106 — 106 — [1] Carrying amount is net of unearned income and allowance for loan and lease losses. In accordance with the prospective adoption of ASU No. 2016-01, the fair value of loans were measured using an exit price notion.

Revenue Recognition (Tables)

Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2019
Revenue Recognition
Schedule of noninterest income, segregated by revenue streams in scope and out of scope of Topic 606	December 31, (in thousands) 2019 2018 2017 NONINTEREST INCOME Service charges on deposit accounts $ 951 $ 595 $ 239 Fees and other service charges 2,556 2,404 954 Other 58 70 57 Noninterest income in scope of Topic 606 3,565 3,069 1,250 Noninterest income out of scope of Topic 606 17,469 14,791 18,274 Total noninterest income $ 21,034 $ 17,860 $ 19,524

Parent Company Financial Info_2

Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2019
Parent Company Financial Information
Condensed balance sheet	Balance Sheets December 31, (in thousands) 2019 2018 ASSETS Cash and cash equivalents $ 9,620 $ 6,843 Investment in subsidiaries 332,794 316,771 Other assets 192 293 Total assets $ 342,606 $ 323,907 LIABILITIES Short-term borrowings $ 101 $ 972 Long-term borrowings 28,241 28,077 Other liabilities 116 175 Total liabilities 28,458 29,224 SHAREHOLDERS’ EQUITY Common stock-par value of $0.01 authorized 20,000,000 shares; issued and outstanding 19,066,913 shares at December 31, 2019 and 19,039,347 at December 31, 2018 191 190 Capital surplus 276,156 275,843 Retained earnings 35,158 18,277 Accumulated other comprehensive income 2,643 373 Total shareholders’ equity 314,148 294,683 Total liabilities and shareholders’equity $ 342,606 $ 323,907
Condensed income statement	Statements of Operations Year Ended December 31, (in thousands) 2019 2018 2017 INTEREST AND DIVIDEND INCOME Cash dividends from subsidiary $ 5,000 $ — $ — Other interest income 4 1 — Total interest and dividend income 5,004 1 — INTEREST EXPENSE Short-term borrowings 1 6 49 Long-term borrowings 1,903 376 216 Total interest expense 1,904 382 265 NET INTEREST INCOME 3,100 (381) (265) NONINTEREST INCOME Other income — — — NONINTEREST EXPENSE Compensation and benefits 191 268 490 Other operating expense 287 42 73 Total noninterest expense 478 310 563 INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED INCOME OF SUBSIDIARY 2,622 (691) (828) Income taxbenefit (506) (176) (349) Income (loss) before equity in undistributed income of subsidiary 3,128 (515) (479) Equity in undistributed income (loss) of subsidiary 13,753 (3,313) 7,679 Net income (loss) $ 16,881 $ (3,828) $ 7,200
Condensed cash flow statement	Statements of Cash Flows Year Ended December 31, (in thousands) 2019 2018 2017 CASH FLOWS FROM OPERATING ACTIVITIES: Net income (loss) $ 16,881 $ (3,828) $ 7,200 Adjustments to reconcile net income (loss) to net cash from operating activities: Deferred income taxes (benefits) (213) (117) (115) Share-based compensation 240 873 695 Amortization of debt issuance costs 164 — — Equity in undistributed (income) loss of subsidiary (13,753) 3,313 (7,679) Decrease (increase) in other assets 101 (293) 40 Increase (decrease) in other liabilities 154 (176) 84 Net cash provided by (used in) operating activities 3,574 (228) 225 CASH FLOWS FROM INVESTING ACTIVITIES: Cash paid for acquisition — (9,245) — Investment in subsidiary — (24,177) (23,000) Net cash used in investing activities — (33,422) (23,000) CASH FLOWS FROM FINANCING ACTIVITIES: Net (decrease) increase increase in short-term borrowings (871) 155 (12,542) Net increase (decrease) in long term debt — 24,542 82 Net proceeds from issuance of common stock, net of cost 396 97 38,699 Repurchase of common stock (322) — — Net cash (used in) provided by financing activities (797) 24,794 26,239 Net increase (decrease) in cash and cash equivalents 2,777 (8,856) 3,464 Cash and cash equivalents at beginning of period 6,843 15,699 12,235 Cash and cash equivalents at end of period $ 9,620 $ 6,843 $ 15,699

Quarterly Financial Results (_2

Quarterly Financial Results (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Results (unaudited)
Schedule of quarterly financial information	The following table provides a summary of selected consolidated quarterly financial data for the years ended December 31, 2019 and December 31, 2018: 2019 Fourth Third Second First (in thousands, except share data.) Quarter Quarter Quarter Quarter Interest income $ 22,550 $ 22,955 $ 23,145 $ 22,784 Interest expense 5,283 5,740 5,791 5,310 Net interest income 17,267 17,215 17,354 17,474 Provision for loan losses 750 608 1,110 1,725 Noninterest income 5,625 5,033 5,841 4,535 Noninterest expense 14,362 15,405 19,454 14,857 Net income before income taxes 7,780 6,235 2,631 5,427 Income taxexpense 1,880 1,598 543 1,171 Net income available to common shareholders $ 5,900 $ 4,637 $ 2,088 $ 4,256 Net income per common share, basic $ 0.31 $ 0.24 $ 0.11 $ 0.22 Net income per common share, diluted $ 0.31 $ 0.24 $ 0.11 $ 0.22 Average common shares outstanding 19,080,151 19,078,561 19,061,164 19,052,694 Diluted average common shares outstanding 19,083,297 19,081,963 19,067,624 19,066,791 2018 Fourth Third Second First (in thousands, except share data.) Quarter Quarter Quarter Quarter Interest income $ 22,428 $ 22,436 $ 21,165 $ 14,360 Interest expense 4,485 3,789 3,285 2,212 Net interest income 17,943 18,647 17,880 12,148 Provision for loan losses 2,850 696 1,425 1,120 Noninterest income 3,683 3,856 5,617 4,704 Noninterest expense 18,425 16,396 25,140 23,151 Net income (loss) before income taxes 351 5,411 (3,068) (7,419) Income (benefit) tax expense 206 1,432 (791) (1,744) Net income (loss) available to common shareholders $ 145 $ 3,979 $ (2,277) $ (5,675) Net income (loss) per common share, basic $ 0.01 $ 0.21 $ (0.12) $ (0.43) Net income (loss) per common share, diluted $ 0.01 $ 0.21 $ (0.12) $ (0.43) Average common shares outstanding 19,035,316 19,025,855 19,002,851 13,080,614 Diluted average common shares outstanding 19,041,880 19,035,192 19,002,851 13,080,614

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details) $ in Thousands	Mar. 01, 2018USD ($)	Feb. 28, 2018USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 15, 2005subsidiaryshares
Summary of Significant Accounting Policies [Line Items]
Marketable Securities | $			$ 4,000	$ 3,700
Payments to Acquire Businesses, Net of Cash Acquired | $				(38,889)
Stock Issued During Period, Value, Acquisitions | $				$ 164,578
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability | $			$ 18,009
Howard Bank [Member]
Summary of Significant Accounting Policies [Line Items]
Number of subsidiaries | subsidiary					9
Number of subsidiaries to hold foreclosed real estate | subsidiary					6
Number of inactive subsidiaries | subsidiary					3
Number of subsidiaries own and manage real estate used for corporate purposes | subsidiary					2
Number of subsidiaries holds historic tax credit investments | subsidiary					1
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares Per Share | shares					2
First Mariner Bank [Member]
Summary of Significant Accounting Policies [Line Items]
Business Combination, Consideration Transferred | $	$ 173,823	$ 173,800
Furniture and equipment [Member] | Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Property, Plant and Equipment, Useful Life			10 years
Furniture and equipment [Member] | Minimum [Member]
Summary of Significant Accounting Policies [Line Items]
Property, Plant and Equipment, Useful Life			3 years
Premises and Equipment [Member] | Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Property, Plant and Equipment, Useful Life			30 years
Premises and Equipment [Member] | Minimum [Member]
Summary of Significant Accounting Policies [Line Items]
Property, Plant and Equipment, Useful Life			20 years
Software [Member] | Maximum [Member]
Summary of Significant Accounting Policies [Line Items]
Property, Plant and Equipment, Useful Life			5 years
Software [Member] | Minimum [Member]
Summary of Significant Accounting Policies [Line Items]
Property, Plant and Equipment, Useful Life			3 years

Business Combinations - First M

Business Combinations - First Mariner (Details) - USD ($) $ in Thousands	Mar. 01, 2018	Feb. 28, 2018	Dec. 31, 2019	Dec. 31, 2018
Liabilities assumed at fair value:
Amount of goodwill recorded from First Mariner Acquisition			$ 65,949	$ 70,697
Performing Financial Instruments [Member]
Assets acquired at fair value:
Loans	$ 645,567
First Mariner Bank [Member]
Purchase Price Consideration
Cash consideration	9,245	$ 9,200
Purchase price assigned to shares exchanged for stock	164,578	164,600
Total purchase price for First Mariner acquisition	173,823	173,800
Assets acquired at fair value:
Cash and cash equivalents	38,889
Interest bearing deposits with banks	3,920
Investment securities available for sale	130,302
Loans held for sale	28,189
Loans	664,338
Accrued interest receivable	3,023
Other assets	124,797
Core deposit intangible	12,588
Total fair value of assets acquired	1,006,046
Liabilities assumed at fair value:
Deposits	706,435
Borrowings	185,020
Accrued expenses and other liabilities	6,114
Total fair value of liabilities assumed	897,569
Net assets acquired at fair value:	108,477
Transaction consideration paid to First Mariner	173,823	$ 173,800
Amount of goodwill recorded from First Mariner Acquisition	$ 65,346		$ 65,300	$ 70,100

Business Combinations - Acquire

Business Combinations - Acquired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2017	Dec. 31, 2018	Mar. 01, 2018
Business Acquisition [Line Items]
Contractually Required Payments Receivable	$ 654,600
Accretable FMV Adjustment	9,100
Noncash Merger Related Costs	0	$ 567
First Mariner Bank [Member]
Business Acquisition [Line Items]
Contractually Required Payments Receivable				$ 684,091
Non-Accretable Credit Adjustment				9,644
Cash Flows Expected to be Collected				674,447
Accretable FMV Adjustment				10,109
Carrying Value of Loans Receivable				664,338
Performing Financial Instruments [Member]
Business Acquisition [Line Items]
Contractually Required Payments Receivable				654,621
Cash Flows Expected to be Collected				654,621
Accretable FMV Adjustment				9,054
Carrying Value of Loans Receivable				645,567
Credit Impaired Loans Acquired [Member]
Business Acquisition [Line Items]
Contractually Required Payments Receivable	10,929		$ 15,463	29,470
Non-Accretable Credit Adjustment				9,644
Cash Flows Expected to be Collected				19,826
Accretable FMV Adjustment				1,055
Carrying Value of Loans Receivable				18,771
Credit Impaired Loans Acquired [Member] | First Mariner Bank [Member]
Business Acquisition [Line Items]
Contractually Required Payments Receivable				$ 29,500
Non-Accretable Credit Adjustment	9,600
Accretable FMV Adjustment	$ 1,100

Business Combinations - Additio

Business Combinations - Additional information (Details)	Mar. 01, 2018USD ($)item	Feb. 28, 2018USD ($)$ / sharesshares	Dec. 31, 2019USD ($)item	Dec. 31, 2018USD ($)
Business Acquisition [Line Items]
Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Fair Market Value Adjustments			$ 9,100,000
Number Of Loans | item			2,700
Amount of goodwill recorded from First Mariner Acquisition			$ 65,949,000	$ 70,697,000
Credit Impaired Loans Acquired [Member]
Business Acquisition [Line Items]
Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Fair Market Value Adjustments	$ 1,055,000
Certain Loans Acquired In Transfer Not Accounted For As Debt Securities non Accretable Fair Market Value Adjustments	9,644,000
First Mariner Bank [Member]
Business Acquisition [Line Items]
Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Fair Market Value Adjustments	10,109,000
Certain Loans Acquired In Transfer Not Accounted For As Debt Securities non Accretable Fair Market Value Adjustments	9,644,000
Business Combination, Consideration Transferred	173,823,000	$ 173,800,000
Payments to Acquire Businesses, Gross	9,245,000	$ 9,200,000
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares | shares		9,143,222
Purchase price assigned to shares exchanged for stock	164,578,000	$ 164,600,000
Amount of goodwill recorded from First Mariner Acquisition	65,346,000		65,300,000	$ 70,100,000
Business Combination, Consideration Transferred, Equity Interests Issued and Issuable	$ 164,578,000	$ 164,600,000
Business Acquisition, Share Price | $ / shares		$ 18
Business Combination Shares Exchange Rights		1.6624
Business Combination, Recognized Identifiable Assets Acquired, Goodwill, and Liabilities Assumed, Net			65,300,000
First Mariner Bank [Member] | Credit Impaired Loans Acquired [Member]
Business Acquisition [Line Items]
Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Fair Market Value Adjustments			1,100,000
Certain Loans Acquired In Transfer Not Accounted For As Debt Securities non Accretable Fair Market Value Adjustments			$ 9,600,000
Number Of Loans | item	57

Business Combinations - Merger

Business Combinations - Merger Related Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Business Combinations
Compensation related		$ 9,871
Equipment disposition		1,918
Legal and consulting		2,005
Contract Terminations		677
Accounting & other		1,078
Total	$ 0	$ 15,549	$ 567

Business Combinations - Pro For

Business Combinations - Pro Forma (Details) - First Mariner [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Business Acquisition [Line Items]
Net interest income after provision	$ 66,873	$ 59,626
Noninterest income	19,890	29,285
Noninterest expense	77,699	80,721
Net income	$ 6,569	$ 1,315
Net income per share	$ 0.35	$ 0.09

Exit of Mortgage Banking Acti_3

Exit of Mortgage Banking Activities (Details) - Discontinued operations held for sale - Mortgage Banking Activities $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)employee	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Proceeds from disposal of business	$ 750
Transition period	45 days
Loans held for sale, January 1	$ 21,261	$ 42,153	$ 51,054
Loans originated for sale	573,306	586,385	673,448
Loans held for sale acquired in First Mariner acquisition	0	28,189	0
Loans sold into the secondary market	(563,857)	(635,466)	(682,349)
Loans held for sale, December 31	30,710	21,261	42,153
Loans originated for the Bank's portfolio	114,561	57,440	52,905
Statement of Operations:
Net interest income	681	1,403	1,505
Realized and unrealized gains on mortgage banking activity	7,798	5,245	11,035
Loan related fees and service charges	2,830	4,993	5,083
Total noninterest income	10,628	10,238	16,118
Salaries and benefits	6,394	7,083	7,673
Occupancy	354	1,710	661
All other operating expenses	2,287	4,718	7,133
Total noninterest expense	9,035	13,511	15,467
Pretax contribution	2,274	(1,870)	2,156
Income tax expense (benefit)	626	(515)	850
After tax contribution	1,648	$ (1,355)	$ 1,306
Severance Costs	0
Exit costs associated with change in control and retention agreements	288
Exit costs associated with lease terminations	$ 0
Number of employees | employee	91

Investment Securities - Amortiz

Investment Securities - Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Available for sale
Amortized Cost	$ 211,856	$ 223,341
Gross Unrealized Gains	3,815	792
Gross Unrealized Losses	166	275
Estimated Fair Value	215,505	223,858
Held to maturity
Amortized Cost	7,750	9,250
Estimated Fair Value	7,897	9,253
Net decrease in held to maturity securities		1,500
Net decrease in held to maturity securities attributable to a call	2,000
Net decrease in held to maturity securities attributable to a purchase	500
Other Investments [Member]
Available for sale
Amortized Cost	5,510	3,011
Gross Unrealized Gains	4
Gross Unrealized Losses	20	10
Estimated Fair Value	5,494	3,001
US Government Agencies [Member]
Available for sale
Amortized Cost	66,428	130,088
Gross Unrealized Gains	963	428
Gross Unrealized Losses	79	119
Estimated Fair Value	67,312	130,397
Collateralized Mortgage Backed Securities [Member]
Available for sale
Amortized Cost	139,918	90,242
Gross Unrealized Gains	2,848	364
Gross Unrealized Losses	67	146
Estimated Fair Value	142,699	90,460
Corporate Debt Securities [Member]
Held to maturity
Amortized Cost	7,750	9,250
Gross Unrealized Gains	147	45
Gross Unrealized Losses		42
Estimated Fair Value	$ 7,897	$ 9,253

Investment Securities - Unreali

Investment Securities - Unrealised Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Available for sale
Individual securities, Less than 12 months, Fair Value	$ 46,201	$ 32,247
Individual securities, Less than 12 months, Gross Unrealized Losses	139	67
Individual securities, 12 months or more, Fair Value	3,965	15,994
Individual securities, 12 months or more, Gross Unrealized Losses	27	208
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value, Total	50,166	48,241
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	166	275
US Government Agencies [Member]
Available for sale
Individual securities, Less than 12 months, Fair Value	10,689	3,049
Individual securities, Less than 12 months, Gross Unrealized Losses	79	3
Individual securities, 12 months or more, Fair Value	0	13,887
Individual securities, 12 months or more, Gross Unrealized Losses	0	116
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value, Total	10,689	16,936
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	79	119
Collateralized Mortgage Backed Securities [Member]
Available for sale
Individual securities, Less than 12 months, Fair Value	35,512	26,197
Individual securities, Less than 12 months, Gross Unrealized Losses	60	54
Individual securities, 12 months or more, Fair Value	975	2,107
Individual securities, 12 months or more, Gross Unrealized Losses	7	92
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value, Total	36,487	28,304
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	67	146
Corporate Debt Securities [Member]
Available for sale
Individual securities, Less than 12 months, Fair Value		2,458
Individual securities, Less than 12 months, Gross Unrealized Losses		42
Individual securities, 12 months or more, Fair Value		0
Individual securities, 12 months or more, Gross Unrealized Losses		0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value, Total		2,458
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total		42
Held to maturity
Individual securities, 12 months or more, Fair Value	0
Individual securities, 12 months or more, Gross Unrealized Losses	0
Other Investments [Member]
Available for sale
Individual securities, Less than 12 months, Fair Value		3,001
Individual securities, Less than 12 months, Gross Unrealized Losses		10
Individual securities, 12 months or more, Fair Value	2,990	0
Individual securities, 12 months or more, Gross Unrealized Losses	20	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value, Total	2,990	3,001
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	$ 20	$ 10

Investment Securities - Contrac

Investment Securities - Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investment Securities
One year or less, Amortized Cost	$ 1,497	$ 38,936
After one through five years, Amortized Cost	49,166	88,175
After five through ten years, Amortized Cost	33,576	19,873
After ten years, Amortized Cost	135,367	85,607
Amortized Cost	219,606	232,591
One year or less, Estimated Fair Value	1,500	38,892
After one through five years, Estimated Fair Value	50,048	88,513
After five through ten years, Estimated Fair Value	33,915	19,921
After ten years, Estimated Fair Value	137,939	85,785
Investment Owned, at Fair Value	$ 223,402	$ 233,111

Investment Securities - Additio

Investment Securities - Additional Information (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Investment Securities
Pledged Assets Separately Reported, Securities Pledged as Collateral, at Fair Value	$ 11.6	$ 42.3

Nonmarketable Equity Securiti_2

Nonmarketable Equity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Disclosure of Nonmarketable Equity Securities [Line Items]
Non Marketable Equity Securities	$ 14,152	$ 11,786
Federal Home Loan Bank of Atlanta [Member]
Disclosure of Nonmarketable Equity Securities [Line Items]
Non Marketable Equity Securities	$ 14,200	$ 11,800

Loans and Leases - Loan Portfol

Loans and Leases - Loan Portfolio Segment (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 1,745,513	$ 1,649,751	$ 936,608
Loans and Leases, Net Percent	100.00%	100.00%
Construction and Land [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 128,285	$ 123,671	74,398
Loans and Leases, Net Percent	7.30%	7.50%
Residentials First Lien [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 437,409	$ 383,044	194,896
Loans and Leases, Net Percent	25.10%	23.20%
Residential Junior Lien [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 74,164	$ 89,645	43,047
Loans and Leases, Net Percent	4.20%	5.40%
Residential Real Estate [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 511,573	$ 472,689
Loans and Leases, Net Percent	29.30%	28.60%
Commercial - Owner Occupied [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 241,795	$ 234,102	170,408
Loans and Leases, Net Percent	13.90%	14.20%
Commercial-Non-Owner Occupied [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 444,052	$ 427,747	260,802
Loans and Leases, Net Percent	25.40%	25.90%
Commercial Real Estate [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 685,847	$ 661,849
Loans and Leases, Net Percent	39.30%	40.10%
Real Estate [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 1,325,705	$ 1,258,209
Loans and Leases, Net Percent	75.90%	76.20%
Commercial Loan [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 372,872	$ 336,876
Loans and Leases, Net Percent	21.40%	20.50%
Consumer [Member]
Loans and Leases Receivable [Line Items]
Loans and Leases	$ 46,936	$ 54,666	$ 4,328
Loans and Leases, Net Percent	2.70%	3.30%

Loans and Leases - Additional I

Loans and Leases - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Loans and Leases
Operating Lease, Lease Income	$ 6,382	$ 7,607
Loan Processing Fee	$ 1,300	$ 307

Loans and Leases - Accretable D

Loans and Leases - Accretable Discount (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Balance at beginning of period	$ 1,649,751	$ 936,608
Balance at end of period	1,745,513	1,649,751	$ 936,608
Impaired Financing Receivable [Member]
Balance at beginning of period	877	0	60
Impaired loans acquired		1,055
Accretion of fair value discounts	(188)	(178)	(60)
Balance at end of period	$ 689	$ 877	$ 0

Loans and Leases - Impaired (De

Loans and Leases - Impaired (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Mar. 01, 2018
Contractually Required Payments Receivable	$ 654,600
Credit Impaired Loans Acquired [Member]
Contractually Required Payments Receivable	10,929	$ 15,463	$ 29,470
Carrying Amount	$ 8,706	$ 11,446

Credit Quality Assessment - All

Credit Quality Assessment - Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance				$ 9,873				$ 6,159	$ 9,873	$ 6,159	$ 6,428
Allowance for credit losses, Charge-offs									(4,236)	(2,519)	(2,267)
Allowance for credit losses, Recoveries									571	142	167
Provision for loan losses	$ 750	$ 608	$ 1,110	1,725	$ 2,850	$ 696	$ 1,425	1,120	4,193	6,091	1,831
Allowance for credit losses, Ending balance	10,401				9,873				10,401	9,873	6,159
Allowance allocated to Individually Evaluated for Impairment	500				2,395				500	2,395	910
Allowance allocated to Collectively Evaluated for Impairment	9,901				7,478				9,901	7,478	5,249
Loans, Ending balance	1,745,513				1,649,751				1,745,513	1,649,751	936,608
Loans individually evaluated for impairment											13,265
Loans collectively evaluated for impairment											923,343
Legacy Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans, Ending balance	1,745,513				1,649,751				1,745,513	1,649,751
Loans individually evaluated for impairment	19,176				24,760				19,176	24,760
Loans collectively evaluated for impairment	1,726,337				1,624,991				1,726,337	1,624,991
Construction and Land [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance				741				735	741	735	511
Allowance for credit losses, Charge-offs									(282)	(202)	(155)
Allowance for credit losses, Recoveries									80		6
Provision for loan losses									717	208	373
Allowance for credit losses, Ending balance	1,256				741				1,256	741	735
Allowance allocated to Individually Evaluated for Impairment											202
Allowance allocated to Collectively Evaluated for Impairment	1,256				741				1,256	741	533
Loans, Ending balance	128,285				123,671				128,285	123,671	74,398
Loans individually evaluated for impairment											761
Loans collectively evaluated for impairment											73,637
Construction and Land [Member] | Legacy Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans, Ending balance	128,285				123,671				128,285	123,671
Loans individually evaluated for impairment	481				1,449				481	1,449
Loans collectively evaluated for impairment	127,804				122,222				127,804	122,222
Residentials First Lien [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance				1,170				668	1,170	668	454
Allowance for credit losses, Charge-offs									(518)	(142)	(133)
Allowance for credit losses, Recoveries										8	0
Provision for loan losses									1,604	636	347
Allowance for credit losses, Ending balance	2,256				1,170				2,256	1,170	668
Allowance allocated to Individually Evaluated for Impairment											0
Allowance allocated to Collectively Evaluated for Impairment	2,256				1,170				2,256	1,170	668
Loans, Ending balance	437,409				383,044				437,409	383,044	194,896
Loans individually evaluated for impairment											2,009
Loans collectively evaluated for impairment											192,887
Residentials First Lien [Member] | Legacy Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans, Ending balance	437,409				383,044				437,409	383,044
Loans individually evaluated for impairment	13,131				13,259				13,131	13,259
Loans collectively evaluated for impairment	424,278				369,785				424,278	369,785
Residential Junior Lien [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance				292				177	292	177	89
Allowance for credit losses, Charge-offs									(532)	(195)	(31)
Allowance for credit losses, Recoveries									115	10	1
Provision for loan losses									603	300	118
Allowance for credit losses, Ending balance	478				292				478	292	177
Allowance allocated to Individually Evaluated for Impairment											29
Allowance allocated to Collectively Evaluated for Impairment	478				292				478	292	148
Loans, Ending balance	74,164				89,645				74,164	89,645	43,047
Loans individually evaluated for impairment											396
Loans collectively evaluated for impairment											42,651
Residential Junior Lien [Member] | Legacy Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans, Ending balance	74,164				89,645				74,164	89,645
Loans individually evaluated for impairment	786				1,137				786	1,137
Loans collectively evaluated for impairment	73,378				88,508				73,378	88,508
Commercial - Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance				735				617	735	617	327
Allowance for credit losses, Charge-offs									(46)	(28)	(235)
Allowance for credit losses, Recoveries											6
Provision for loan losses									99	146	519
Allowance for credit losses, Ending balance	788				735				788	735	617
Allowance allocated to Individually Evaluated for Impairment											0
Allowance allocated to Collectively Evaluated for Impairment	788				735				788	735	617
Loans, Ending balance	241,795				234,102				241,795	234,102	170,408
Loans individually evaluated for impairment											508
Loans collectively evaluated for impairment											169,900
Commercial - Owner Occupied [Member] | Legacy Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans, Ending balance	241,795				234,102				241,795	234,102
Loans individually evaluated for impairment	566				1,268				566	1,268
Loans collectively evaluated for impairment	241,229				232,834				241,229	232,834
Commercial-Non-Owner Occupied [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance				4,057				1,410	4,057	1,410	1,120
Allowance for credit losses, Charge-offs									(2,026)	(797)	0
Allowance for credit losses, Recoveries									17	32	6
Provision for loan losses									920	3,412	284
Allowance for credit losses, Ending balance	2,968				4,057				2,968	4,057	1,410
Allowance allocated to Individually Evaluated for Impairment					2,195					2,195	11
Allowance allocated to Collectively Evaluated for Impairment	2,968				1,862				2,968	1,862	1,399
Loans, Ending balance	444,052				427,747				444,052	427,747	260,802
Loans individually evaluated for impairment											5,867
Loans collectively evaluated for impairment											254,935
Commercial-Non-Owner Occupied [Member] | Legacy Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans, Ending balance	444,052				427,747				444,052	427,747
Loans individually evaluated for impairment	1,725				5,018				1,725	5,018
Loans collectively evaluated for impairment	442,327				422,729				442,327	422,729
Commercial Loan and Leases [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance				2,644				2,529	2,644	2,529	3,800
Allowance for credit losses, Charge-offs									(622)	(1,092)	(1,605)
Allowance for credit losses, Recoveries									357	88	113
Provision for loan losses									(276)	1,119	221
Allowance for credit losses, Ending balance	2,103				2,644				2,103	2,644	2,529
Allowance allocated to Individually Evaluated for Impairment	500				200				500	200	668
Allowance allocated to Collectively Evaluated for Impairment	1,603				2,444				1,603	2,444	1,861
Loans, Ending balance	372,872				336,876				372,872	336,876	188,729
Loans individually evaluated for impairment											3,724
Loans collectively evaluated for impairment											185,005
Commercial Loan and Leases [Member] | Legacy Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans, Ending balance	372,872				336,876				372,872	336,876
Loans individually evaluated for impairment	2,360				2,455				2,360	2,455
Loans collectively evaluated for impairment	370,512				334,421				370,512	334,421
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses, Beginning balance				$ 234				$ 23	234	23	127
Allowance for credit losses, Charge-offs									(210)	(63)	(108)
Allowance for credit losses, Recoveries									2	4	35
Provision for loan losses									526	270	(31)
Allowance for credit losses, Ending balance	552				234				552	234	23
Allowance allocated to Individually Evaluated for Impairment											0
Allowance allocated to Collectively Evaluated for Impairment	552				234				552	234	23
Loans, Ending balance	46,936				54,666				46,936	54,666	4,328
Loans collectively evaluated for impairment											$ 4,328
Consumer [Member] | Legacy Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans, Ending balance	46,936				54,666				46,936	54,666
Loans individually evaluated for impairment	127				174				127	174
Loans collectively evaluated for impairment	$ 46,809				$ 54,492				$ 46,809	$ 54,492

Credit Quality Assessment - Int

Credit Quality Assessment - Internally Assigned Risk Assignments (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Credit Quality Indicator [Line Items]
Credit quality indicators	$ 1,745,513	$ 1,649,751	$ 936,608
Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	1,745,513	1,649,751
Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	1,727,631	1,621,186
Special Mention [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators		3,955
Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	17,882	24,610
Construction and Land [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	128,285	123,671	74,398
Construction and Land [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	128,285	123,671
Construction and Land [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	127,804	122,270
Construction and Land [Member] | Special Mention [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators		78
Construction and Land [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	481	1,323
Residentials First Lien [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	437,409	383,044	194,896
Residentials First Lien [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	437,409	383,044
Residentials First Lien [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	425,247	370,766
Residentials First Lien [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	12,162	12,278
Residential Junior Lien [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	74,164	89,645	43,047
Residential Junior Lien [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	74,164	89,645
Residential Junior Lien [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	73,378	88,507
Residential Junior Lien [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	786	1,138
Commercial - Owner Occupied [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	241,795	234,102	170,408
Commercial - Owner Occupied [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	241,795	234,102
Commercial - Owner Occupied [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	241,229	228,408
Commercial - Owner Occupied [Member] | Special Mention [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators		3,877
Commercial - Owner Occupied [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	566	1,817
Commercial-Non-Owner Occupied [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	444,052	427,747	260,802
Commercial-Non-Owner Occupied [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	444,052	427,747
Commercial-Non-Owner Occupied [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	442,327	422,591
Commercial-Non-Owner Occupied [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	1,725	5,156
Commercial Loan and Leases [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	372,872	336,876	188,729
Commercial Loan and Leases [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	372,872	336,876
Commercial Loan and Leases [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	370,837	334,152
Commercial Loan and Leases [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	2,035	2,724
Consumer [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	46,936	54,666	$ 4,328
Consumer [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	46,936	54,666
Consumer [Member] | Not Classified [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	46,809	54,492
Consumer [Member] | Substandard [Member] | Legacy Loans [Member]
Credit Quality Indicator [Line Items]
Credit quality indicators	$ 127	$ 174

Credit Quality Assessment - Age

Credit Quality Assessment - Aged Analysis of Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans and leases	$ 17,807	$ 23,615
Total loans and leases	1,745,513	1,649,751	$ 936,608
Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans and leases current	1,718,953	1,613,909
Total past due	8,753	12,227
Total loans and leases	1,745,513	1,649,751
Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	4,309	7,905
Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	4,397	3,401
Legacy Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	47	921
Construction and Land [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans and leases	481	1,323
Total loans and leases	128,285	123,671	74,398
Construction and Land [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans and leases current	127,804	121,831
Total past due		517
Total loans and leases	128,285	123,671
Construction and Land [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due		166
Construction and Land [Member] | Legacy Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due		351
Residentials First Lien [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans and leases	12,162	12,278
Total loans and leases	437,409	383,044	194,896
Residentials First Lien [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans and leases current	418,668	361,522
Total past due	6,579	9,244
Total loans and leases	437,409	383,044
Residentials First Lien [Member] | Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	3,312	6,433
Residentials First Lien [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	3,220	2,241
Residentials First Lien [Member] | Legacy Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	47	570
Residential Junior Lien [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans and leases	786	1,137
Total loans and leases	74,164	89,645	43,047
Residential Junior Lien [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans and leases current	71,634	86,884
Total past due	1,744	1,624
Total loans and leases	74,164	89,645
Residential Junior Lien [Member] | Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	748	937
Residential Junior Lien [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	996	687
Commercial - Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans and leases	566	1,268
Total loans and leases	241,795	234,102	170,408
Commercial - Owner Occupied [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans and leases current	241,062	232,834
Total past due	167
Total loans and leases	241,795	234,102
Commercial - Owner Occupied [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	167
Commercial-Non-Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans and leases	1,725	5,018
Total loans and leases	444,052	427,747	260,802
Commercial-Non-Owner Occupied [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans and leases current	442,132	422,297
Total past due	195	432
Total loans and leases	444,052	427,747
Commercial-Non-Owner Occupied [Member] | Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	195	432
Commercial Loan and Leases [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans and leases	1,960	2,417
Total loans and leases	372,872	336,876	188,729
Commercial Loan and Leases [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans and leases current	370,877	334,058
Total past due	35	401
Total loans and leases	372,872	336,876
Commercial Loan and Leases [Member] | Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	35	94
Commercial Loan and Leases [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due		307
Consumer [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual loans and leases	127	174
Total loans and leases	46,936	54,666	$ 4,328
Consumer [Member] | Legacy Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accruing loans and leases current	46,776	54,483
Total past due	33	9
Total loans and leases	46,936	54,666
Consumer [Member] | Legacy Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	19	$ 9
Consumer [Member] | Legacy Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total past due	$ 14

Credit Quality Assessment - Imp

Credit Quality Assessment - Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Impaired [Line Items]
Related allowance	$ 500	$ 2,400
Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	19,176	24,760
With an allowance recorded	554	3,016
With no related allowance recorded	18,622	21,744
Related allowance	500	2,395
Unpaid principal	22,344	29,671
Average balance of impaired loans	24,970	31,417
Interest income recognized	748	676
Construction and Land [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	481	1,449
With no related allowance recorded	481	1,449
Unpaid principal	667	1,873
Average balance of impaired loans	814	1,873
Interest income recognized	5
Residentials First Lien [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	13,131	13,259
With no related allowance recorded	13,131	13,259
Unpaid principal	14,371	14,425
Average balance of impaired loans	15,586	15,446
Interest income recognized	400	474
Residential Junior Lien [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	786	1,137
With no related allowance recorded	786	1,137
Unpaid principal	986	1,456
Average balance of impaired loans	1,338	1,448
Interest income recognized	106	51
Commercial - Owner Occupied [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	566	1,268
With no related allowance recorded	566	1,268
Unpaid principal	583	1,569
Average balance of impaired loans	594	1,569
Interest income recognized	30	16
Commercial-Non-Owner Occupied [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	1,725	5,018
With an allowance recorded		2,816
With no related allowance recorded	1,725	2,202
Related allowance		2,195
Unpaid principal	2,023	5,295
Average balance of impaired loans	2,105	5,340
Interest income recognized	11	5
Commercial Loan and Leases [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	2,360	2,455
With an allowance recorded	554	200
With no related allowance recorded	1,806	2,255
Related allowance	500	200
Unpaid principal	3,584	4,868
Average balance of impaired loans	4,392	5,556
Interest income recognized	195	125
Consumer [Member] | Legacy Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment	127	174
With no related allowance recorded	127	174
Unpaid principal	130	185
Average balance of impaired loans	141	185
Interest income recognized	$ 1	$ 5

Credit Quality Assessment - TDR

Credit Quality Assessment - TDR Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)item	Dec. 31, 2018USD ($)item
Trouble Debt Restructured Loans [Line Items]
Number of Loans | item	4	5
Non-Accrual Status	$ 813	$ 3,620
Number of Loans | item	4	3
Accrual Status	$ 1,335	$ 1,107
Total TDRs	$ 2,148	$ 4,727
Construction and Land [Member]
Trouble Debt Restructured Loans [Line Items]
Number of Loans | item	1	0
Non-Accrual Status	$ 125	$ 0
Number of Loans | item		1
Accrual Status		$ 125
Total TDRs	$ 125	$ 125
Residential Real Estate First Lien [Member]
Trouble Debt Restructured Loans [Line Items]
Number of Loans | item	2	2
Non-Accrual Status	$ 274	$ 291
Number of Loans | item	2	2
Accrual Status	$ 968	$ 982
Total TDRs	$ 1,242	$ 1,273
Commercial Real Estate Non Owner Occupied [Member]
Trouble Debt Restructured Loans [Line Items]
Number of Loans | item		2
Non-Accrual Status		$ 2,815
Number of Loans | item		0
Accrual Status		$ 0
Total TDRs		$ 2,815
Commercial Loan and Leases [Member]
Trouble Debt Restructured Loans [Line Items]
Number of Loans | item	1	1
Non-Accrual Status	$ 414	$ 514
Number of Loans | item	2	0
Accrual Status	$ 367	$ 0
Total TDRs	$ 781	$ 514

Credit Quality Assessment - T_2

Credit Quality Assessment - TDR Modifications (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	$ 2,148	$ 4,727
Allowance for Losses on Finance Receivables [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans		2,195
Construction and land And Extension Or Other modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	125	125
Construction and land And Extension Or Other modification [Member] | Allowance for Losses on Finance Receivables [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0	0
Commercial Loans And Extension Or Other Modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	367
Commercial - non-owner occupied Rate modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans		2,815
Commercial - non-owner occupied Rate modification [Member] | Allowance for Losses on Finance Receivables [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans		2,195
Commercial Loans And Forberances [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	414	514
Commercial Loans And Forberances [Member] | Allowance for Losses on Finance Receivables [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0	0
Residential Real Estate First Lien and Extension Or Other Modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	1,242	1,273
Residential Real Estate First Lien and Extension Or Other Modification [Member] | Allowance for Losses on Finance Receivables [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0	0
Nonperforming Financial Instruments [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	813	3,620
Nonperforming Financial Instruments [Member] | Construction and land And Extension Or Other modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	125	0
Nonperforming Financial Instruments [Member] | Commercial - non-owner occupied Rate modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans		2,815
Nonperforming Financial Instruments [Member] | Commercial Loans And Forberances [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	414	514
Nonperforming Financial Instruments [Member] | Residential Real Estate First Lien and Extension Or Other Modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	274	291
Performing Financial Instruments [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	1,335	1,107
Performing Financial Instruments [Member] | Construction and land And Extension Or Other modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0	125
Performing Financial Instruments [Member] | Commercial Loans And Extension Or Other Modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	367
Performing Financial Instruments [Member] | Commercial - non-owner occupied Rate modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans		0
Performing Financial Instruments [Member] | Commercial Loans And Forberances [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	0	0
Performing Financial Instruments [Member] | Residential Real Estate First Lien and Extension Or Other Modification [Member]
Financing Receivable, Modifications [Line Items]
Total troubled debt restructured loans	$ 968	$ 982

Credit Quality Assessment - Add

Credit Quality Assessment - Additional Information (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)contract	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Credit Quality Indicator [Line Items]
Delinquent Loans, Outstanding Nonaccrual Status	$ 17,900
Non-Accrual Delinquent Loans Outstanding, Percentage	1.00%
Loans and Leases Receivable, Net of Deferred Income	$ 1,745,513	$ 1,649,751	$ 936,608
Non-accrual loans and leases	17,807	23,615
Impaired Financing Receivable Interest Income Non Accrual Method	748	1,200	898
Mortgage Loans in Process of Foreclosure, Amount	2,700
Loans modified, amount	2,148	4,727
Real Estate Owned, Transfer to Real Estate Owned	1,389	917
Provision For Other Real Estate Owned	473	352	581
Gains (Losses) on Sales of Other Real Estate	28	64	12
Minimum [Member]
Credit Quality Indicator [Line Items]
Loans and Leases Receivable, Net of Deferred Income		6,600
Maximum [Member]
Credit Quality Indicator [Line Items]
Loans and Leases Receivable, Net of Deferred Income		24,500
Performing Financial Instruments [Member]
Credit Quality Indicator [Line Items]
Loans modified, amount	1,335	1,107
Two Commercial Real Estae Loan [Member]
Credit Quality Indicator [Line Items]
Gains (Losses) on Sales of Other Real Estate	28
Impaired Assets to be Disposed of by Sale Carrying Value of Asset	1,100
Three Residential First Lien Loans Member [Member]
Credit Quality Indicator [Line Items]
Real Estate Owned, Transfer to Real Estate Owned	1,400
Impaired Assets to be Disposed of by Sale Carrying Value of Asset	1,100
Two Land Development Properties [Member]
Credit Quality Indicator [Line Items]
Impaired Assets to be Disposed of by Sale Carrying Value of Asset	49
Residentials First Lien [Member]
Credit Quality Indicator [Line Items]
Loans and Leases Receivable, Net of Deferred Income	437,409	383,044	$ 194,896
Non-accrual loans and leases	12,162	12,278
One Residential Junior Lien Loans [Member]
Credit Quality Indicator [Line Items]
Mortgage Loans in Process of Foreclosure, Amount	23
Commercial Loan [Member]
Credit Quality Indicator [Line Items]
Loans and Leases Receivable, Net of Deferred Income	372,872	336,876
Commercial Loan [Member] | Performing Financial Instruments [Member]
Credit Quality Indicator [Line Items]
Loans modified, amount	367
Commercial Real Estate [Member]
Credit Quality Indicator [Line Items]
Loans and Leases Receivable, Net of Deferred Income	$ 685,847	$ 661,849
Number of loans charged off | contract	2
Loans charged off, amount	$ 2,400

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Derivatives and Hedging Activities
Increase (Decrease) in Fair Value of Interest Rate Fair Value Hedging Instruments	$ (5)	$ (6)

Derivatives and Hedging Activ_4

Derivatives and Hedging Activities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Interest Rate Swap with Borrowers [Member]
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	$ 2,853	$ 3,061
Derivative, Gain on Derivative	217	100
Derivative, Loss on Derivative	0	0
Interest Rate Swap with Counterparty [Member]
Derivatives, Fair Value [Line Items]
Derivative, Notional Amount	2,853	3,061
Derivative, Gain on Derivative	0	0
Derivative, Loss on Derivative	$ 228	$ 106

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Goodwill (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Goodwill and Other Intangible Assets
Goodwill	$ 65,949	$ 70,697

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets [Line Items]
Net Carrying Amount	$ 8,469	$ 11,482
Core Deposits [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	16,135	16,135
Accumulated Amortization	7,666	4,653
Net Carrying Amount	$ 8,469	$ 11,482
Weighted Average Remaining Life (in Years)	3 years 8 months 12 days	4 years 8 months 12 days

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Future Amortization (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Goodwill and Other Intangible Assets
2020	$ 2,674
2021	2,326
2022	1,915
2023	1,298
2024	256
Total amortizing intangible assets	$ 8,469	$ 11,482

Goodwill and Other Intangible_6

Goodwill and Other Intangible Assets - Additional Information (Details) $ in Millions	12 Months Ended
	Dec. 31, 2019USD ($)
First Mariner Bank [Member]
Business Acquisition [Line Items]
Goodwill, Purchase Accounting Adjustments	$ 4.7

Bank Premises and Equipment - P

Bank Premises and Equipment - Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Line Items]
Premises and Equipment	$ 51,224	$ 52,915
Less: accumulated depreciation and amortization	8,500	7,778
Net premises and equipment	42,724	45,137
Land [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment	8,849	10,239
Building and leasehold improvements [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment	35,960	35,571
Furniture and equipment [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment	6,028	6,686
Software [Member]
Property, Plant and Equipment [Line Items]
Premises and Equipment	$ 387	$ 419

Bank Premises and Equipment - A

Bank Premises and Equipment - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Bank Premises and Equipment
Operating Lease, Expense	$ 3.6
Depreciation and amortization	$ 2.3	$ 2.1	$ 1.3

Leases - Operating leases (Deta

Leases - Operating leases (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Jan. 01, 2019
Leases
Operating leases ROU	$ 14,092	$ 18,000
Total operating lease liabilities	$ 14,507	$ 18,000

Leases - Lease expenses (Detail

Leases - Lease expenses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Leases
Operating lease cost	$ 1,899	$ 3,693	$ 1,995
Sublease income	(562)	(534)	(387)
Amortization of ROU assets	150
Total	$ 1,487	$ 3,159	$ 1,608

Leases - Lease liability maturi

Leases - Lease liability maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Jan. 01, 2019
Leases
2019	$ 1,636
2021	1,546
2022	1,404
2023	1,257
2024	1,055
Thereafter	11,341
Total future lease payments	18,239
Discount of cash flows	(3,732)
Present value on net future lease payments	$ 14,507	$ 18,000
Weighted average remaining term (in years)	6 years 10 months 21 days
Weighted average discount rate (in percentage)	3.02%

Leases - Additional information

Leases - Additional information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Jan. 01, 2019
Leases
Lease, Practical Expedients, Package [true false]	false
Operating Lease, Right-of-Use Asset	$ 14,092	$ 18,000
Operating Lease, Expense	3,600
Operating Lease, Liability	$ 14,507	$ 18,000
Operating Lease, Liability, Statement of Financial Position [Extensible List]	us-gaap:OtherLiabilitiesMember	us-gaap:OtherLiabilitiesMember
Lessee, Operating Lease, Renewal Term	10 years

Deposits - Composition of Depos

Deposits - Composition of Deposits and the Related Percentage Mix of Total Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deposits
Noninterest-bearing demand	$ 468,975	$ 429,200
Interest-bearing checking	183,447	227,322
Money market accounts	360,711	356,130
Savings	130,141	134,893
Certificates of deposit $250 and over	77,782	82,511
Certificates of deposit under $250	493,309	455,750
Total deposits	$ 1,714,365	$ 1,685,806
Percentage of Noninterest-bearing demand	27.00%	26.00%
Percentage of Interest-bearing checking	11.00%	13.00%
Percentage of Money market accounts	21.00%	21.00%
Percentage of Savings	7.00%	8.00%
Percentage of Certificates of deposit $250 and over	5.00%	5.00%
Percentage of Certificates of deposit under $250	29.00%	27.00%
Percentage of Total deposits	100.00%	100.00%

Deposits - Presents the Maturit

Deposits - Presents the Maturity Schedule for Time Deposits Maturing within Years (Details) $ in Thousands	Dec. 31, 2019USD ($)
Regulatory Matters
2020	$ 458,908
2021	87,877
2022	14,613
2023	5,630
2024	4,063
Total time deposits	$ 571,091

Deposits - Interest Expense (De

Deposits - Interest Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Regulatory Matters
Interest-bearing checking	$ 912	$ 554	$ 168
Savings and money market	3,063	2,393	1,217
Certificates of deposit	11,487	5,593	2,612
Total	$ 15,462	$ 8,540	$ 3,997

Short-Term Borrowings (Details)

Short-Term Borrowings (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Short-Term Borrowings
At period end	$ 236,127,000	$ 134,576
Average for the year	$ 156,207,000	$ 146,050
Rate At period end	1.66%	2.08%
Rate Average for the year	2.20%	1.59%
Maximum Month-End Balance	$ 0	$ 0
Average Maximum Month-End Balance	0	0
FHLB advances
Short-Term Borrowings
At period end	230,000,000	118,000
Average for the year	$ 148,460,000	$ 125,108
Rate At period end	1.70%	2.34%
Rate Average for the year	2.30%	1.80%
Maximum Month-End Balance	$ 273,000,000	$ 310,023,000
Average Maximum Month-End Balance	0	0
Repurchase agreements
Short-Term Borrowings
At period end	6,127,000	16,576
Average for the year	$ 7,122,000	$ 18,927
Rate At period end	0.19%	0.21%
Rate Average for the year	0.19%	0.19%
Maximum Month-End Balance	$ 15,293,000	$ 25,291,000
Average Maximum Month-End Balance	0	0
Federal funds purchased
Short-Term Borrowings
At period end	0	0
Average for the year	$ 625,000	$ 2,015
Rate At period end	0.00%	0.00%
Rate Average for the year	2.30%	2.04%
Maximum Month-End Balance	$ 0	$ 30,000,000
Average Maximum Month-End Balance	$ 0	$ 0

Short-Term Borrowings - Additio

Short-Term Borrowings - Additional Information (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Short-term Debt [Line Items]
Pledged Assets Separately Reported, Securities Pledged for Repurchase Agreements, at Fair Value	$ 6.6	$ 16.6
Loans Pledged as Collateral	$ 615.6	518
Collateralized Mortgage Backed Securities [Member]
Short-term Debt [Line Items]
Short-term Debt, Percentage Bearing Fixed Interest Rate	100.00%
FHLB advances
Short-term Debt [Line Items]
Available line of credit	$ 573.3	538.4
Available borrowing capacity	435.4	345.9
Amount borrowed against the line	285.3	232.6
Unsecured lines of credit
Short-term Debt [Line Items]
Available line of credit	65	65
Amount borrowed against the line	$ 0	$ 0

Long-Term Borrowings (Details)

Long-Term Borrowings (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Total principal of long-term borrowings at FHLB		$ 55,000	$ 114,000
Total principal of subordinated debentures		30,000	30,000
Long-term Debt, Gross		85,000	144,000
Purchase accounting adjustment on acquired debt	[1]	(1,302)	(1,384)
Cost of issuance of subordinated debt	[2]	(457)	(539)
Long-term Debt, Total		83,241	142,077
0.63% Due 2029 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank Advances	[3]	15,000	0
0.56% Due 2029 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank Advances	[3]	20,000	0
0.74% Due 2029 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank Advances	[3]	15,000	0
1.62% Due 2029 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank Advances	[4]	5,000	0
2.48% Due 2020 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank Advances	[4]	0	14,000
2.53% Due 2020 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank Advances	[4]	0	15,000
2.67% Due 2020 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank Advances	[4]	0	30,000
2.62% Due 2020 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank Advances	[4]	0	30,000
2.71% Due 2020 [Member]
Debt Instrument [Line Items]
Federal Home Loan Bank Advances	[4]	0	25,000
2.48% Due 2035 [Member]
Debt Instrument [Line Items]
Long-term Debt, Gross	[1]	5,000	5,000
6.00% Due 2028 [Member]
Debt Instrument [Line Items]
Long-term Debt, Gross	[2]	$ 25,000	$ 25,000
[1]	Subordinated debt acquired in 2015. Carrying value after purchase accounting adjustments of $3.7 million at December 31, 2019. Interest adjusts quarterly at the rate of three month LIBOR plus 1.48%
[2]	Subordinated debt issued in 2018. Carrying value net of issuance costs of $24.5 million at December 31, 2019. Initial rate of 6.00% per annum for five years. Subsequent rate adjusts quarterly at the rate of three month LIBOR plus 3.02%
[3]	Convertible rate advances
[4]	Fixed rate hybrid advances

Long-Term Borrowings - Addition

Long-Term Borrowings - Additional Information (Details) - USD ($)	Dec. 06, 2018	Dec. 06, 2018	Dec. 31, 2019
Proceeds from Issuance of Subordinated Long-term Debt		$ 25,000,000
Subordinated Borrowing, Interest Rate		6.00%
Subordinated Debt Issued [Member]
Line of Credit Facility, Interest Rate Description			LIBOR plus 3.02%
Debt Instrument, Basis Spread on Variable Rate			3.02%
Debt Instrument, Term	5 years
Subordinated Debt			$ 24,500,000
Subordinated Borrowing, Interest Rate		6.00%
Subordinated Debt Acquired 2015 [Member]
Line of Credit Facility, Interest Rate Description			LIBOR plus 1.48%
Debt Instrument, Description of Variable Rate Basis			three month LIBOR plus 1.48%
Debt Instrument, Basis Spread on Variable Rate			1.48%
Subordinated Debt			$ 3,700,000
Patapsco Bancorp [Member]
Debt Instrument, Face Amount			$ 5,000,000
Debt Instrument, Maturity Date			Dec. 31, 2035
Patapsco Bancorp [Member] | Junior Subordinated Debt [Member]
Debt Instrument, Face Amount			$ 5,155,000

Income Taxes - Federal and Stat

Income Taxes - Federal and State Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Taxes
Current federal income tax									$ 0	$ 0	$ 3,243
Current state income tax									0	0	1,038
Deferred federal income tax									3,986	(627)	(968)
Deferred state income tax									1,206	(270)	(161)
Total income tax expense (benefit)	$ 1,880	$ 1,598	$ 543	$ 1,171	$ 206	$ 1,432	$ (791)	$ (1,744)	$ 5,192	$ (897)	$ 3,152

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of Statutory Federal Income Tax (Benefit) Expense (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Taxes
Statutory federal income tax expense (benefit)									$ 4,635	$ (992)	$ 3,520
State income taxes, net of federal income tax benefit									953	(213)	579
Bank owned life insurance									(568)	(162)	(258)
Acquisition related costs									0	316	115
Revaluation of deferred taxes									0	0	268
Correction of error									0	0	(675)
Other, net									172	154	(396)
Total income tax expense (benefit)	$ 1,880	$ 1,598	$ 543	$ 1,171	$ 206	$ 1,432	$ (791)	$ (1,744)	$ 5,192	$ (897)	$ 3,152
Effective Income Tax Rate Reconciliation, Percent [Abstract]
Statutory federal income tax (benefit) expense (as a percent)									21.00%	21.00%	34.00%
State income taxes, net of federal income tax benefit (as a percent)									4.30%	4.50%	5.60%
Bank owned life insurance (as a percent)									(2.60%)	3.40%	(2.50%)
Acquisition related costs (as a percent)									0.00%	(6.70%)	1.10%
Revaluation of deferred taxes (as a percent)									0.00%	0.00%	2.60%
Correction of error (as a percent)									0.00%	0.00%	(6.50%)
Other, net (as a percent)									0.80%	(3.30%)	(3.80%)
Total income tax expense (benefit) (as a percent)									23.50%	19.00%	30.40%

Income Taxes - Summary of Tax E

Income Taxes - Summary of Tax Effect of Temporary Differences of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deferred tax assets:
Net operating losses	$ 30,010	$ 35,415
Allowance for credit losses	2,862	2,717
Valuation on foreclosed real estate	406	617
Supplemental executive benefit plans	559	782
Stock-based compensation	8	29
Deferred loan fees and costs, net	185	576
Fair value adjustments for acquired assets and liabilities	3,003	4,007
Depreciation and amortization	0	276
Historic tax credits	1,933	0
Other assets	1,680	605
Total deferred tax assets	40,646	45,024
Deferred tax liabilities:
Core deposit intangible	2,130	2,929
Fair value adjustments for acquired assets and liabilities	1,468	1,898
Bank owned life insurance	0	4,802
Unrealized gain on securities	1,004	110
Depreciation and amortization	34	0
Total deferred tax liabilities	4,636	9,739
Net deferred tax assets	$ 36,010	$ 35,285

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details) - USD ($) $ in Thousands	Dec. 22, 2017	Mar. 31, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Mar. 01, 2018
Income Tax Disclosure [Line Items]
Deferred tax liabilities on the acquired balance of BOLI contracts				$ 4,800		$ 4,600
Reduction to tax expense, pertaining to BOLI income		$ 232
Goodwill reduction for adjustments to acquired net deferred tax assets			$ 4,748
Deferred tax liability eliminated			$ 4,800
Operating Loss Carryforwards, Limitations on Use			The acquired loss carryforwards can be deducted annually from future taxable income through 2039
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent			21.00%	21.00%	34.00%
Effective Income Tax Rate Reconciliation, Change in Enacted Tax Rate, Amount				$ 268	$ 675
Adjustments To Deferred Tax Assets And Liabilities					$ 268
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent			21.00%	21.00%	34.00%
Income Tax Reconciliation Deductions Deposit Insurance Premiums			$ 10,000,000
Scenario, Plan [Member]
Income Tax Disclosure [Line Items]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%
Domestic Tax Authority [Member]
Income Tax Disclosure [Line Items]
Operating Loss Carryforwards			$ 103,500	$ 123,800
Deferred Tax Assets, Operating Loss Carryforwards, Not Subject to Expiration				$ 8,000

Related Party Loans and Depos_3

Related Party Loans and Deposits - Summary of Company's Total Outstanding Balances (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Related Party Loans and Deposits
Balance January 1	$ 7,218	$ 19,297
Additions	6,519	9,347
Change in status	(941)	(11,412)
Repayments	(9,216)	(10,014)
Balance December 31	$ 3,580	$ 7,218

Related Party Loans and Depos_4

Related Party Loans and Deposits - Additional Information (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Related Party Loans and Deposits
Loans Receivable from Related Parties, Unfunded Commitments	$ 14	$ 21.7
Related Party Deposit Liabilities	$ 22	$ 52

Financial Instruments with Of_3

Financial Instruments with Off-Balance Sheet Risk and Contingencies - Outstanding Loan Commitments and Lines and Letters of Credit (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Unused Lines of Credit [Member]
Debt Instrument [Line Items]
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Asset	$ 309,519	$ 282,822
Letter of Credit [Member]
Debt Instrument [Line Items]
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Asset	13,853	16,661
Unfunded loan commitments [Member]
Debt Instrument [Line Items]
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Asset	$ 77,314	$ 104,466

Stock Options and Stock Award_2

Stock Options and Stock Awards - Stock Options (Details) - Employee Stock Option [Member] - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Shares, Beginning Balance	15,268	30,991	123,593
Shares, Granted	25,000	0	0
Shares, Exercised	(13,418)	(9,123)	(27,113)
Shares, Forfeited	(1,850)	(6,600)	(65,489)
Shares, Ending Balance	25,000	15,268	30,991
Shares, Exercisable at period end		15,268	30,991
Weighted Average Exercise Price, Beginning Balance	$ 8.76	$ 9.69	$ 12.36
Weighted Average Exercise Price, Granted	14.54	0	0
Weighted Average Exercise Price, Exercised	8.58	10.63	11.67
Weighted Average Exercise Price, Forfeited	10.10	10.52	13.92
Weighted Average Exercise Price, Ending Balance	14.54	8.76	9.69
Weighted Average Exercise Price, Exercisable at period end		$ 8.76	$ 9.69
Weighted average fair value of options granted during the year	$ 5.83

Stock Options and Stock Award_3

Stock Options and Stock Awards - RSUs (Details) - Restricted Stock [Member] - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Shares, Beginning Balance	9,731	52,155	65,491
Shares, Granted	26,500	20,732	18,500
Shares, Vested	(6,699)	(54,542)	(31,836)
Shares, Forfeited	(18,500)	(8,614)
Shares, Ending Balance	11,032	9,731	52,155
Weighted Average Grant Date Fair Value, Beginning Balance	$ 17.29	$ 15.09	$ 13.23
Weighted Average Grant Date Fair Value, Granted	15.16	19.90	17.41
Weighted Average Grant Date Fair Value, Vested	16.13	16.63	12.60
Weighted Average Grant Date Fair Value, Forfeited	14.54	14.41
Weighted Average Grant Date Fair Value, Ending Balance	$ 17.48	$ 17.29	$ 15.09

Stock Options and Stock Award_4

Stock Options and Stock Awards - RSU Compensation Expense (Details) $ in Thousands	Dec. 31, 2019USD ($)
Restricted Stock Units (RSUs) [Member]
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options	$ 155
Employee Stock Option [Member]
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options	101
Employee Stock Option [Member] | 2020
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options	49
Employee Stock Option [Member] | 2021
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options	48
Employee Stock Option [Member] | 2022
Employee Service Share-based Compensation, Nonvested Awards, Compensation Not yet Recognized, Share-based Awards Other than Options	$ 4

Stock Options and Stock Award_5

Stock Options and Stock Awards - Stock-based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Allocated Share-based Compensation Expense	$ 240	$ 873	$ 695
Director [Member]
Allocated Share-based Compensation Expense	127	217	205
Restricted Stock Units (RSUs) [Member]
Allocated Share-based Compensation Expense	69	$ 656	$ 490
Employee Stock Option [Member]
Allocated Share-based Compensation Expense	$ 44

Stock Options and Stock Award_6

Stock Options and Stock Awards - Stock Option Compensation Expense (Details) - Restricted Stock Units (RSUs) [Member] $ in Thousands	Dec. 31, 2019USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total unrecognized pre-tax compensation expense related to unvested stock option awards	$ 155
2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total unrecognized pre-tax compensation expense related to unvested stock option awards	74
2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total unrecognized pre-tax compensation expense related to unvested stock option awards	44
2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total unrecognized pre-tax compensation expense related to unvested stock option awards	$ 37

Stock Options and Stock Award_7

Stock Options and Stock Awards - Additional information (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Proceeds from Stock Options Exercised	$ 116	$ 97	$ 316
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable Fair Market Value	$ 16.88	$ 14.30	$ 22
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Aggregate Intrinsic Value, Outstanding	$ 59	$ 85	$ 382
Share-based Payment Arrangement, Nonemployee [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	9,202	11,868	11,404
Employee Stock Option [Member]
Common Stock, Capital Shares Reserved for Future Issuance	564,414
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period	10 years
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross	25,000	0	0
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross	26,500	20,732	18,500

Benefit Plans (Details)

Benefit Plans (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2014
Defined Benefit Plan Disclosure [Line Items]
Defined Contribution Plan, Maximum Annual Contribution Per Employee, Percent	15.00%
Defined Contribution Plan, Maximum Annual Contribution Per Employee, Amount	$ 1,000,000	$ 1,100,000	$ 766,000
Allocated Share-based Compensation Expense	240,000	873,000	695,000
2017 Employee Stock Purchase Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Allocated Share-based Compensation Expense	$ 39,000	11,000
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized	250,000
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Benefit Description	Under the defined benefit SERP, the CEO will receive $150,000 each year for 15 years after attainment of the Normal Retirement Age (as defined in the SERP).
Defined Benefit Plan, Plan Assets, Contributions by Employer	$ 216,000	279,000	$ 275,000
Accrued Liabilities	$ 1,600,000	$ 1,500,000		$ 150,000
Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Contribution Plan, Employer Matching Contribution, Percent	4.00%

Income (Loss) per Common Shar_2

Income (Loss) per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income (Loss) per Common Share
Net income (loss) available to common stockholders (numerator)	$ 5,900	$ 4,637	$ 2,088	$ 4,256	$ 145	$ 3,979	$ (2,277)	$ (5,675)	$ 16,881	$ (3,828)	$ 7,200
BASIC
Basic average common shares outstanding (denominator)									19,068,246	17,556,554	9,555,952
Basic income (loss) per common share	$ 0.31	$ 0.24	$ 0.11	$ 0.22	$ 0.01	$ 0.21	$ (0.12)	$ (0.43)	$ 0.89	$ (0.22)	$ 0.75
DILUTED
Average common shares outstanding	19,080,151	19,078,561	19,061,164	19,052,694	19,035,316	19,025,855	19,002,851	13,080,614	19,068,246	17,556,554	9,555,952
Dilutive effect of common stock equivalents									2,831	0	40,852
Diluted average common shares outstanding (denominator)	19,083,297	19,081,963	19,067,624	19,066,791	19,041,880	19,035,192	19,002,851	13,080,614	19,071,077	17,556,554	9,596,804
Diluted income (loss) per common share	$ 0.31	$ 0.24	$ 0.11	$ 0.22	$ 0.01	$ 0.21	$ (0.12)	$ (0.43)	$ 0.89	$ (0.22)	$ 0.75
Common stock equivalents outstanding that are anti-dilutive and thus excluded from calculation of diluted number of shares presented above									774,000	14,740,000

Regulatory Matters - Bancorp's

Regulatory Matters - Bancorp's and the Bank's capital (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Jan. 31, 2015
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio			5.00%
Tier 1 capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio			10.00%
Tier 1 capital (to average assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio			8.00%
Howard Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total capital (to risk-weighted assets) Actual amount	$ 238,384	$ 212,099
Total capital (to risk-weighted assets) Actual ratio	12.86%	11.80%
Total capital (to risk-weighted assets) For capital adequacy purposes amount	$ 148,314	$ 143,810
Total capital (to risk-weighted assets) For capital adequacy purposes ratio	8.00%	8.00%
Total capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions amount	$ 185,392	$ 179,762
Total capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio	10.00%	10.00%
Common equity tier 1 capital (to risk-weighted assets) Actual amount	$ 227,983	$ 202,226
Common equity tier 1 capital (to risk-weighted assets) Actual ratio	12.30%	11.25%
Common equity tier 1 capital (to risk-weighted assets) For capital adequacy purposes amount	$ 83,427	$ 80,893
Common equity tier 1 capital (to risk-weighted assets) For capital adequacy purposes ratio	4.50%	4.50%
Common equity tier 1 capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions amount	$ 120,505	$ 116,846
Common equity tier 1 capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio	6.50%	6.50%
Tier 1 capital (to risk-weighted assets) Actual amount	$ 227,983	$ 202,226
Tier 1 capital (to risk-weighted assets) Actual ratio	12.30%	11.25%
Tier 1 capital (to risk-weighted assets) For capital adequacy purposes amount	$ 111,235	$ 107,857
Tier 1 capital (to risk-weighted assets) For capital adequacy purposes ratio	6.00%	6.00%
Tier 1 capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions amount	$ 148,314	$ 143,810
Tier 1 capital (to risk-weighted assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio	8.00%	8.00%
Tier 1 capital (to average assets) Actual amount	$ 227,983	$ 202,226
Tier 1 capital (to average assets) Actual ratio	10.43%	9.84%
Tier 1 capital (to average assets) For capital adequacy purposes amount	$ 87,434	$ 82,212
Tier 1 capital (to average assets) For capital adequacy purposes ratio	4.00%	4.00%
Tier 1 capital (to average assets) To be well capitalized under the FDICIA prompt corrective action provisions amount	$ 109,293	$ 102,765
Tier 1 capital (to average assets) To be well capitalized under the FDICIA prompt corrective action provisions ratio	5.00%	5.00%
Howard Bancorp [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total capital (to risk-weighted assets) Actual amount	$ 247,761	$ 218,425
Total capital (to risk-weighted assets) Actual ratio	13.14%	12.14%
Total capital (to risk-weighted assets) For capital adequacy purposes amount	$ 150,872	$ 143,889
Total capital (to risk-weighted assets) For capital adequacy purposes ratio	8.00%	8.00%
Common equity tier 1 capital (to risk-weighted assets) Actual amount	$ 209,119	$ 179,935
Common equity tier 1 capital (to risk-weighted assets) Actual ratio	11.09%	10.00%
Common equity tier 1 capital (to risk-weighted assets) For capital adequacy purposes amount	$ 84,866	$ 80,938
Common equity tier 1 capital (to risk-weighted assets) For capital adequacy purposes ratio	4.50%	4.50%
Tier 1 capital (to risk-weighted assets) Actual amount	$ 209,119	$ 179,935
Tier 1 capital (to risk-weighted assets) Actual ratio	11.09%	10.00%
Tier 1 capital (to risk-weighted assets) For capital adequacy purposes amount	$ 113,154	$ 107,917
Tier 1 capital (to risk-weighted assets) For capital adequacy purposes ratio	6.00%	6.00%
Tier 1 capital (to average assets) Actual amount	$ 209,119	$ 179,935
Tier 1 capital (to average assets) Actual ratio	9.55%	8.77%
Tier 1 capital (to average assets) For capital adequacy purposes amount	$ 87,599	$ 82,046
Tier 1 capital (to average assets) For capital adequacy purposes ratio	4.00%	4.00%

Regulatory Matters - Additional

Regulatory Matters - Additional information (Details)	1 Months Ended	12 Months Ended
	Jan. 31, 2016	Dec. 31, 2019	Dec. 31, 2018	Jan. 31, 2015
Regulatory Matters
Derivatives Credit Risk		One of four credit conversion factors (0%, 20%, 50% and 100%) is assigned to loan commitments based on the likelihood of the off-balance sheet item becoming an asset
Well Capitalized Cet 1 Ratio				6.50%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets				8.00%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets				10.00%
Capital Required to be Well Capitalized to Risk Weighted Assets				5.00%
Description of Regulatory Requirements, Capital Adequacy Purposes	the minimum Tier 1 capital ratio (from 4% to 6% of risk-weighted assets), imposed a minimum leverage ratio of 4.0%, and changed the risk-weight of certain assets to better reflect credit risk and other risk exposures. These include, among other things, a 150% risk weight for certain high volatility commercial real estate acquisition, development and construction loans and for non-residential mortgage loans that are 90 days past due or otherwise in non-accrual status, and a 20% credit conversion factor for the unused portion of a commitment with an original maturity of one year or less that is not unconditionally cancellable.	The final rule, which became effective on January 1, 2015, applies to all depository institutions, top-tier bank holding companies with total consolidated assets of $3 billion or more and top-tier savings and loan holding companies.
Capital conservation buffer		2.50%	1.875%

Fair Value - Fair Value Financi

Fair Value - Fair Value Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	$ 215,505	$ 223,858
Loans held for sale	30,710	21,261
Loans held for investment	997	1,303
Interest rate swap assets	217	100
Liabilities
Interest rate swap liabilities	228	106
US Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	67,312	130,397
Collateralized Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	142,699	90,460
Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	30,710	21,261
Loans held for investment	997	1,303
Rate lock commitments	60	126
Interest rate swap assets	217	100
Liabilities
Interest rate swap liabilities	228	106
Fair Value, Measurements, Recurring [Member] | US Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	67,312	130,397
Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	142,699	90,460
Fair Value, Measurements, Recurring [Member] | Other Investments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	5,494	3,001
Fair Value, Measurements, Nonrecurring [Member] | Construction and Land [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	481	1,449
Fair Value, Measurements, Nonrecurring [Member] | Commercial - Owner Occupied [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	566	1,268
Fair Value, Measurements, Nonrecurring [Member] | Commercial-Non-Owner Occupied [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,725	2,823
Fair Value, Measurements, Nonrecurring [Member] | Commercial Loan and Leases [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,860	2,255
Fair Value, Measurements, Nonrecurring [Member] | Residentials First Lien [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	13,131	13,259
Fair Value, Measurements, Nonrecurring [Member] | Residential Junior Lien [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	786	1,137
Fair Value, Measurements, Nonrecurring [Member] | Consumer [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	127	174
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0	0
Loans held for investment	0	0
Rate lock commitments	0
Interest rate swap assets	0
Liabilities
Interest rate swap liabilities	0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member] | US Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	0	0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities		0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member] | Other Investments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	0
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Consumer [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale		0
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	997	1,303
Interest rate swap assets	217	100
Liabilities
Interest rate swap liabilities	228	106
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	30,710	21,261
Loans held for investment	997	1,303
Rate lock commitments	0	0
Interest rate swap assets	217	100
Liabilities
Interest rate swap liabilities	228	106
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | US Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	67,312	130,397
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	142,699	90,460
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Other Investments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	5,494	3,001
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Consumer [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale		0
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Rate lock commitments	60	126	$ 530
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	0	0
Loans held for investment	0	0
Rate lock commitments	60	126
Interest rate swap assets	0	0
Liabilities
Interest rate swap liabilities	0	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | US Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	0	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	0	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | Other Investments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities	0	0
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Construction and Land [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	481	1,449
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial - Owner Occupied [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	566	1,268
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial-Non-Owner Occupied [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,725	2,823
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial Loan and Leases [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	1,860	2,255
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Residentials First Lien [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	13,131	13,259
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Residential Junior Lien [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	786	1,137
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Consumer [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale	$ 127	$ 174

Fair Value - Level 3 (Details)

Fair Value - Level 3 (Details) - Fair Value, Inputs, Level 3 [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Balance, beginning of period	$ 126	$ 530
Privately held equity investment	0	(72)
Net losses included in realized and unrealized gains on mortgage banking activity in noninterest income	66	332
Balance, end of period	$ 60	$ 126

Fair Value - Assets Under Fair

Fair Value - Assets Under Fair Value Option (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Loans held for investment Fair value	$ 997	$ 1,303
Loans Held For Sale [Member]
Carrying Fair Value Amount, Loans held for sale	30,710	21,261
Aggregate Unpaid Principal, Loans held for sale	29,969	20,785
Difference, Loans held for sale	741	476
Loans Held For Investment [Member]
Loans held for investment Fair value	997	1,303
Aggregate Unpaid Principal Loans held for Investment	966	1,342
Difference, Loans held for investment	$ 31	$ (39)

Fair Value - Financial Assets a

Fair Value - Financial Assets and Liabilities on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2019		Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	$ 3,098		$ 4,392
Impaired loans	1,735,013	[1]	1,613,506	[2]
Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	3,100		4,400
Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	3,098		4,392
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	1,735,013	[1]	1,613,506	[2]
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned	$ 3,098		$ 4,392
[1]	[1]  Carrying amount is net of unearned income and allowance for loan and lease losses. In accordance with the prospective adoption of ASU No. 2016-01, the fair value of loans were measured using an exit price notion.
[2]	Carrying amount is net of unearned income and allowance for loan and lease losses. In accordance with the prospective adoption of ASU No. 2016-01, the fair value of loans were measured using an exit price notion.

Fair Value - Financial Instrume

Fair Value - Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2019		Dec. 31, 2018
Financial Assets
Available for sale securities, Carrying Value	$ 215,505		$ 223,858
Held to maturity securities, Carrying Value	7,750		9,250
Nonmarketable equity securities, Carrying Value	14,152		11,786
Loans held for sale, Carrying Value	30,710		21,261
Loans held for investment, Carrying Value	997		1,303
Rate lock commitments, Carrying Value	60		126
Loans and leases, Carrying Value	1,734,115	[1]	1,638,575	[2]
Interest rate swap, Carrying Value	217
Available for sale securities	215,505		223,858
Held to maturity securities	7,897		9,253
Nonmarketable equity securities	14,152		11,786
Loans held for sale	30,710		21,261
Loans held for investment	997		1,303
Rate lock commitments	60		126
Loans and leases, Fair value	1,735,013	[1]	1,613,506	[2]
Interest rate swap	217		100
Financial Liabilities
Deposits, Carrying Value	1,714,365		1,685,806
Short-term borrowings, Carrying Value	236,127		134,576
Long-term borrowings, Carrying Value	83,241		142,077
Interest rate swap, Carrying Value	228		100
Deposits, Fair value	1,713,081		1,681,295
Short-term borrowings, Fair value	236,127		134,576
Long-term borrowings, Fair value	86,972		142,296
Interest rate swap, Fair Value	228		106
Fair Value, Inputs, Level 2 [Member]
Financial Assets
Available for sale securities	215,505		223,858
Nonmarketable equity securities	14,152		11,786
Loans held for sale	30,710		21,261
Loans held for investment	997		1,303
Interest rate swap	217		100
Financial Liabilities
Deposits, Fair value	1,713,081		1,681,295
Short-term borrowings, Fair value	236,127		134,576
Long-term borrowings, Fair value	86,972		142,296
Interest rate swap, Fair Value	228		106
Fair Value, Inputs, Level 3 [Member]
Financial Assets
Held to maturity securities	7,897		9,253
Rate lock commitments	60		126
Loans and leases, Fair value	$ 1,735,013	[1]	$ 1,613,506	[2]
[1]	[1]  Carrying amount is net of unearned income and allowance for loan and lease losses. In accordance with the prospective adoption of ASU No. 2016-01, the fair value of loans were measured using an exit price notion.
[2]	Carrying amount is net of unearned income and allowance for loan and lease losses. In accordance with the prospective adoption of ASU No. 2016-01, the fair value of loans were measured using an exit price notion.

Fair Value - Additional Informa

Fair Value - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other Real Estate	$ 3,098	$ 4,392
Impaired Financing Receivable, Related Allowance	500	2,400
Other Real Estate, Period Increase (Decrease)	437	352
Loans Held For Sale [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Option, Changes in Fair Value, Gain (Loss)	265	(181)	$ 62
Loans Held For Investment [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Option, Changes in Fair Value, Gain (Loss)	69	(71)	$ 247
Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other Real Estate	3,100	4,400
Other Real Estate, Valuation Adjustments	1,500	2,200
Other Real Estate, Outstanding Balance	$ 4,600	$ 6,600
Selling cost (as a percent)	9.50%

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Revenue from Contract with Customer, Including Assessed Tax									$ 2,747	$ 2,216	$ 923
Other									3,934	5,624	5,722
Noninterest Income	$ 5,625	$ 5,033	$ 5,841	$ 4,535	$ 3,683	$ 3,856	$ 5,617	$ 4,704	21,034	17,860	19,524
Accounting Standards Update 2014-09 [Member]
Noninterest Income									21,034	17,860	19,524
Noninterest Income In Scope of Topic 606 Member | Accounting Standards Update 2014-09 [Member]
Other									58	70	57
Noninterest Income									3,565	3,069	1,250
Noninterest Income out of Scope of Topic 606 Member | Accounting Standards Update 2014-09 [Member]
Noninterest Income									17,469	14,791	18,274
Service charges on deposit accounts [Member]
Revenue from Contract with Customer, Including Assessed Tax									951	595	239
Fees and other service charges [Member]
Revenue from Contract with Customer, Including Assessed Tax									$ 2,556	$ 2,404	$ 954

Parent Company Financial Info_3

Parent Company Financial Information - Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
ASSETS
Cash and cash equivalents	$ 109,977	$ 101,498	$ 28,972	$ 39,366
Total assets	2,374,619	2,266,514
LIABILITIES
Short-term borrowings	236,127	134,576
Long-term borrowings	83,241	142,077
Total liabilities	2,060,471	1,971,831
SHAREHOLDERS' EQUITY
Common stock-par value of $0.01 authorized 20,000,000 shares; issued and outstanding 19,039,347 shares at December 31, 2018 and 9,820,592 at December 31, 2017	191	190
Capital surplus	276,156	275,843
Retained earnings	35,158	18,277
Accumulated other comprehensive income (loss)	2,643	373
Total shareholders' equity	314,148	294,683	132,253	85,790
Total liabilities and shareholders'equity	2,374,619	2,266,514
Parent Company [Member]
ASSETS
Cash and cash equivalents	9,620	6,843	$ 15,699	$ 12,235
Investment in subsidiaries	332,794	316,771
Other assets	192	293
Total assets	342,606	323,907
LIABILITIES
Short-term borrowings	101	972
Long-term borrowings	28,241	28,077
Other liabilities	116	175
Total liabilities	28,458	29,224
SHAREHOLDERS' EQUITY
Common stock-par value of $0.01 authorized 20,000,000 shares; issued and outstanding 19,039,347 shares at December 31, 2018 and 9,820,592 at December 31, 2017	191	190
Capital surplus	276,156	275,843
Retained earnings	35,158	18,277
Accumulated other comprehensive income (loss)	2,643	373
Total shareholders' equity	314,148	294,683
Total liabilities and shareholders'equity	$ 342,606	$ 323,907

Parent Company Financial Info_4

Parent Company Financial Information - Statements of Operations (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
INTEREST INCOME
Interest on securities									$ 6,785	$ 4,297	$ 1,416
Other interest income									1,094	1,083	397
Total interest income	$ 22,550	$ 22,955	$ 23,145	$ 22,784	$ 22,428	$ 22,436	$ 21,165	$ 14,360	91,434	80,389	43,026
INTEREST EXPENSE
Short-term borrowings									3,441	2,327	876
Long-term borrowings									3,221	2,904	294
NET INTEREST EXPENSE	17,267	17,215	17,354	17,474	17,943	18,647	17,880	12,148	69,310	66,618	37,859
Total interest expense	5,283	5,740	5,791	5,310	4,485	3,789	3,285	2,212	22,124	13,771	5,167
NONINTEREST INCOME
Gain on the sale of portfolio loans									645	(364)
Other income									4,122	3,870	1,011
NONINTEREST EXPENSE
Compensation and benefits									32,056	33,674	23,573
Other operating expense									5,514	5,246	3,116
Total noninterest expense	14,362	15,405	19,454	14,857	18,425	16,396	25,140	23,151	64,078	83,112	45,200
INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED INCOME OF SUBSIDIARY	7,780	6,235	2,631	5,427	351	5,411	(3,068)	(7,419)	22,073	(4,725)	10,352
Income tax benefit	1,880	1,598	543	1,171	206	1,432	(791)	(1,744)	5,192	(897)	3,152
Net (loss) income									16,881	(3,828)	7,200
Net income (loss) available to common stockholders (numerator)	$ 5,900	$ 4,637	$ 2,088	$ 4,256	$ 145	$ 3,979	$ (2,277)	$ (5,675)	16,881	(3,828)	7,200
Parent Company [Member]
INTEREST INCOME
Interest on securities									5,000	0	0
Other interest income									4	1	0
Total interest income									5,004	1	0
INTEREST EXPENSE
Short-term borrowings									1	6	49
Long-term borrowings									1,903	376	216
NET INTEREST EXPENSE									3,100	(381)	(265)
Total interest expense									1,904	382	265
NONINTEREST INCOME
Other income									0	0	0
NONINTEREST EXPENSE
Compensation and benefits									191	268	490
Other operating expense									287	42	73
Total noninterest expense									478	310	563
INCOME (LOSS) BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED INCOME OF SUBSIDIARY									2,622	(691)	(828)
Income tax benefit									(506)	(176)	(349)
Loss before equity in undistributed income of subsidiary									3,128	(515)	(479)
Equity in undistributed income (loss) of subsidiary									13,753	(3,313)	7,679
Net (loss) income									$ 16,881	$ (3,828)	$ 7,200

Parent Company Financial Info_5

Parent Company Financial Information - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES:
Net (loss) income	$ 16,881	$ (3,828)	$ 7,200
Adjustments to reconcile net income (loss) to net cash from operating activities:
Deferred income taxes (benefits)	3,160	(3,468)	(1,132)
Share-based compensation	240	873	695
(Increase) decrease in other assets	2,044	5,041	(2,044)
Increase (decrease) in other liabilities	(1,618)	1,091	(417)
Net cash (used in) provided by operating activities	20,561	54,811	16,902
CASH FLOWS FROM INVESTING ACTIVITIES:
Cash paid for acquisition		38,889
Net cash (used in) provided by investing activities	(83,266)	(31,314)	(142,514)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net (decrease) increase increase in short-term borrowings	101,551	(180,829)	23,329
Net proceeds from issuance of common stock, net of cost	396	97	38,699
Repurchase of common stock	(322)
Net cash provided by financing activities	71,184	49,029	115,218
Net increase (decrease) in cash and cash equivalents	8,479	72,526	(10,394)
Cash and cash equivalents at beginning of period	101,498	28,972	39,366
Cash and cash equivalents at end of period	109,977	101,498	28,972
Parent Company [Member]
CASH FLOWS FROM OPERATING ACTIVITIES:
Net (loss) income	16,881	(3,828)	7,200
Adjustments to reconcile net income (loss) to net cash from operating activities:
Deferred income taxes (benefits)	(213)	(117)	(115)
Share-based compensation	240	873	695
Amortization of debt issuance costs	164
Equity in undistributed loss (income) of subsidiary	(13,753)	3,313	(7,679)
(Increase) decrease in other assets	101	(293)	40
Increase (decrease) in other liabilities	154	(176)	84
Net cash (used in) provided by operating activities	3,574	(228)	225
CASH FLOWS FROM INVESTING ACTIVITIES:
Cash paid for acquisition		(9,245)
Investment in subsidiary		(24,177)	(23,000)
Net cash (used in) provided by investing activities		(33,422)	(23,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net (decrease) increase increase in short-term borrowings	(871)	155	(12,542)
Net increase (decrease) in long term debt		24,542	82
Net proceeds from issuance of common stock, net of cost	396	97	38,699
Repurchase of common stock	(322)
Net cash provided by financing activities	(797)	24,794	26,239
Net increase (decrease) in cash and cash equivalents	2,777	(8,856)	3,464
Cash and cash equivalents at beginning of period	6,843	15,699	12,235
Cash and cash equivalents at end of period	$ 9,620	$ 6,843	$ 15,699

Parent Company Financial Info_6

Parent Company Financial Information - Additional Information (Details) - $ / shares	Dec. 31, 2019	Dec. 31, 2018
Parent Company Financial Information Disclosure [Line Items]
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common Stock, Shares Authorized	20,000,000	20,000,000
Common Stock, Shares, Issued	19,066,913	19,039,347
Common Stock, Shares, Outstanding	19,066,913	19,039,347
Parent Company [Member]
Parent Company Financial Information Disclosure [Line Items]
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common Stock, Shares Authorized	20,000,000	20,000,000
Common Stock, Shares, Issued	19,066,913
Common Stock, Shares, Outstanding		19,039,347

Quarterly Financial Results (_3

Quarterly Financial Results (unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Quarterly Financial Results (unaudited)
Interest income	$ 22,550	$ 22,955	$ 23,145	$ 22,784	$ 22,428	$ 22,436	$ 21,165	$ 14,360	$ 91,434	$ 80,389	$ 43,026
Interest expense	5,283	5,740	5,791	5,310	4,485	3,789	3,285	2,212	22,124	13,771	5,167
Net interest income	17,267	17,215	17,354	17,474	17,943	18,647	17,880	12,148	69,310	66,618	37,859
Provision for loan losses	750	608	1,110	1,725	2,850	696	1,425	1,120	4,193	6,091	1,831
Noninterest income	5,625	5,033	5,841	4,535	3,683	3,856	5,617	4,704	21,034	17,860	19,524
Noninterest expense	14,362	15,405	19,454	14,857	18,425	16,396	25,140	23,151	64,078	83,112	45,200
Net income (loss) before income taxes	7,780	6,235	2,631	5,427	351	5,411	(3,068)	(7,419)	22,073	(4,725)	10,352
Income (benefit) tax expense	1,880	1,598	543	1,171	206	1,432	(791)	(1,744)	5,192	(897)	3,152
Net income (loss) available to common stockholders (numerator)	$ 5,900	$ 4,637	$ 2,088	$ 4,256	$ 145	$ 3,979	$ (2,277)	$ (5,675)	$ 16,881	$ (3,828)	$ 7,200
Net income (loss) per common share, basic	$ 0.31	$ 0.24	$ 0.11	$ 0.22	$ 0.01	$ 0.21	$ (0.12)	$ (0.43)	$ 0.89	$ (0.22)	$ 0.75
Net income (loss) per common share, diluted	$ 0.31	$ 0.24	$ 0.11	$ 0.22	$ 0.01	$ 0.21	$ (0.12)	$ (0.43)	$ 0.89	$ (0.22)	$ 0.75
Average common shares outstanding	19,080,151	19,078,561	19,061,164	19,052,694	19,035,316	19,025,855	19,002,851	13,080,614	19,068,246	17,556,554	9,555,952
Diluted average common shares outstanding	19,083,297	19,081,963	19,067,624	19,066,791	19,041,880	19,035,192	19,002,851	13,080,614	19,071,077	17,556,554	9,596,804