PCB Bancorp (PCB) 10-Q 9 May 23 2023 Q1 Quarterly report Financial data

Cover

Cover - shares	3 Months Ended
	Mar. 31, 2023	Apr. 30, 2023
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2023
Document Transition Report	false
Entity File Number	001-38621
Entity Registrant Name	PCB BANCORP
Entity Incorporation, State or Country Code	CA
Entity Tax Identification Number	20-8856755
Entity Address, Address Line One	3701 Wilshire Boulevard
Entity Address, Address Line Two	Suite 900
Entity Address, City or Town	Los Angeles
Entity Address, State or Province	CA
Entity Address, Postal Zip Code	90010
City Area Code	213
Local Phone Number	210-2000
Title of 12(b) Security	Common stock, no par value
Trading Symbol	PCB
Security Exchange Name	NASDAQ
Entity current reporting status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity small business	true
Entity emerging growth company	true
Transition period	true
Entity shell company	false
Entity Common Stock, Shares Outstanding		14,317,390
Current Fiscal Year End Date	--12-31
Amendment Flag	false
Entity Central Index Key	0001423869
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q1

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Mar. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks		$ 25,801	$ 23,202
Interest-bearing deposits in other financial institutions		164,718	123,829
Total cash and cash equivalents		190,519	147,031
Securities available-for-sale, at fair value (amortized cost of $157,752 and $156,978 at March 31, 2023 and December 31, 2022, respectively, and allowance for credit losses of $0 at March 31, 2023)		144,665	141,863
Loans held-for-sale, at lower of cost or fair value		14,352	22,811
Loans held-for-investment, net of deferred fees and costs		2,092,442	2,046,063
Allowance for credit losses on loans	[1]	(24,694)	(24,942)
Net loans held-for-investment		2,067,748	2,021,121
Premises and equipment, net		6,473	6,916
Federal Home Loan Bank and other restricted stock, at cost		10,183	10,183
Bank-owned life insurance		30,244	30,064
Deferred tax assets, net		3,753	3,115
Servicing assets		7,345	7,347
Operating lease assets		5,854	6,358
Accrued interest receivable		7,998	7,472
Other assets		11,390	15,755
Total assets		2,500,524	2,420,036
Deposits:
Noninterest-bearing demand		653,970	734,989
Savings, NOW and money market accounts		460,187	514,741
Time deposits of $250,000 or less		513,068	382,377
Time deposits of more than $250,000		514,464	413,876
Total deposits		2,141,689	2,045,983
Federal Home Loan Bank advances		0	20,000
Operating lease liabilities		6,238	6,809
Accrued interest payable and other liabilities		15,767	11,802
Total liabilities		2,163,694	2,084,594
Commitments and contingencies
Preferred stock, 10,000,000 shares authorized, no par value:
Common stock, 60,000,000 shares authorized, no par value; 14,297,870 and 14,625,474 shares issued and outstanding, respectively, and included 45,761 and 62,022 shares of unvested restricted stock, respectively, at March 31, 2023 and December 31, 2022		143,356	149,631
Retained earnings		133,415	127,181
Accumulated other comprehensive income (loss), net		(9,082)	(10,511)
Total shareholders’ equity		336,830	335,442
Total liabilities and shareholders’ equity		2,500,524	2,420,036
Series C Preferred Stock
Preferred stock, 10,000,000 shares authorized, no par value:
Series C, senior non-cumulative perpetual, $1,000 per share liquidation preference, 69,141 and 69,141 shares issued and outstanding at March 31, 2023 and December 31, 2022, respectively.		$ 69,141	$ 69,141
[1]Allowance for credit losses on loans at March 31, 2023 is presented under ASC 326, while prior period comparison continues to be presented under legacy ASC 450 and ASC 310.

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Amortized cost	$ 157,752	$ 156,978
Allowance for credit losses	$ 0
Preferred stock, authorized (in shares)	10,000,000	10,000,000
Common stock, authorized (in shares)	60,000,000	60,000,000
Common stock, issued (in shares)	14,297,870	14,625,474
Common stock, outstanding (in shares)	14,297,870	14,625,474
Restricted stock awards
Unvested restricted stock (in shares)	45,761	62,022
Series C Preferred Stock
Preferred stock, liquidation preference per share (in dollars per share)	$ 1,000	$ 1,000
Preferred stock, issued (in shares)	69,141	69,141
Preferred stock, outstanding (in shares)	69,141	69,141

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2023	Mar. 31, 2022
Interest and dividend income:
Loans, including fees		$ 31,229	$ 20,190
Tax-exempt investment securities		34	36
Taxable investment securities		1,068	440
Other interest-earning assets		2,205	228
Total interest income		34,536	20,894
Interest expense:
Deposits		11,913	850
Other borrowings		209	51
Total interest expense		12,122	901
Net interest income		22,414	19,993
Reversal for credit losses	[1],[2]	(2,778)	(1,191)
Net interest income after reversal for credit losses		25,192	21,184
Noninterest income:
Service charges and fees on deposits		609	591
Loan servicing income		860	700
Bank-owned life insurance income		180	172
Gain on sale of loans		1,309	3,777
Other income		328	334
Total noninterest income		3,021	5,286
Noninterest expense:
Salaries and employee benefits		8,928	8,595
Occupancy and equipment		1,896	1,397
Professional fees		732	403
Marketing and business promotion		372	207
Data processing		412	404
Director fees and expenses		180	169
Regulatory assessments		155	141
Other expense		1,079	755
Total noninterest expense		13,754	12,071
Income before income taxes		14,459	14,399
Income tax expense		4,162	4,159
Net income		$ 10,297	$ 10,240
Earnings per common share, basic (in dollars per share)		$ 0.71	$ 0.69
Earnings per common share, diluted (in dollars per share)		$ 0.70	$ 0.67
Weighted-average common shares outstanding, basic (in shares)		14,419,155	14,848,014
Weighted-average common shares outstanding, diluted (in shares)		14,574,929	15,141,693
Service charges and fees on deposits
Noninterest income:
Service charges and fees on deposits		$ 344	$ 303
[1]Reversal for credit losses for the three months ended March 31, 2023 is presented under ASC 326, while prior period comparison continue to be presented under legacy ASC 450 and ASC 310.[2]Reversal for credit losses for the three months ended March 31, 2023 is presented under ASC 326, while prior period comparison continues to be presented under legacy ASC 450 and ASC 310.

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 10,297	$ 10,240
Other comprehensive income (loss):
Unrealized gain (loss) on securities available-for-sale arising during the period	2,028	(5,467)
Income tax benefit (expense) related to items of other comprehensive income (loss)	(599)	1,615
Total other comprehensive income (loss), net of tax	1,429	(3,852)
Total comprehensive income	$ 11,726	$ 6,388

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Total	Impact of ASC 326 Adoption	As Reported Under ASC 326	Preferred Stock	Preferred Stock As Reported Under ASC 326	Common Stock	Common Stock As Reported Under ASC 326	Retained Earnings	Retained Earnings Impact of ASC 326 Adoption	Retained Earnings As Reported Under ASC 326	Accumulated Other Comprehensive Income (Loss)	Accumulated Other Comprehensive Income (Loss) As Reported Under ASC 326
Beginning balance, preferred stock (in shares) at Dec. 31, 2021				0
Beginning balance, common stock (in shares) at Dec. 31, 2021						14,865,825
Beginning balance at Dec. 31, 2021	$ 256,286			$ 0		$ 154,992		$ 101,140			$ 154
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	10,240							10,240
Other comprehensive loss, net of tax	(3,852)										(3,852)
Issuance of restricted stock (in shares)						25,000
Forfeiture of restricted stock (in shares)						(200)
Share-based compensation expense	141					$ 141
Stock options exercised (in shares)						54,038
Stock options exercised	481					$ 481
Cash dividends declared on common stock	(2,238)							(2,238)
Ending balance, preferred stock (in shares) at Mar. 31, 2022				0
Ending balance, common stock (in shares) at Mar. 31, 2022						14,944,663
Ending balance at Mar. 31, 2022	261,058			$ 0		$ 155,614		109,142			(3,698)
Beginning balance, preferred stock (in shares) at Dec. 31, 2021				0
Beginning balance, common stock (in shares) at Dec. 31, 2021						14,865,825
Beginning balance at Dec. 31, 2021	$ 256,286			$ 0		$ 154,992		101,140			154
Ending balance, preferred stock (in shares) at Dec. 31, 2022				69,141
Ending balance, common stock (in shares) at Dec. 31, 2022	14,625,474					14,625,474
Ending balance at Dec. 31, 2022	$ 335,442	$ (1,886)	$ 333,556	$ 69,141	$ 69,141	$ 149,631	$ 149,631	127,181	$ (1,886)	$ 125,295	(10,511)	$ (10,511)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible List]	Accounting Standards Update 2016-13 [Member]
Net income	$ 10,297							10,297
Other comprehensive loss, net of tax	1,429										1,429
Repurchase of common stock (in shares)						(385,381)
Repurchase of common stock	(6,845)					$ (6,845)
Share-based compensation expense	$ 120					$ 120
Stock options exercised (in shares)	57,777					57,777
Stock options exercised	$ 450					$ 450
Cash dividends declared on common stock	$ (2,177)							(2,177)
Ending balance, preferred stock (in shares) at Mar. 31, 2023				69,141
Ending balance, common stock (in shares) at Mar. 31, 2023	14,297,870					14,297,870
Ending balance at Mar. 31, 2023	$ 336,830			$ 69,141		$ 143,356		$ 133,415			$ (9,082)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Statement of Stockholders' Equity [Abstract]
Cash dividends declared (in dollars per share)	$ 0.15	$ 0.15

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2023	Mar. 31, 2022
Cash flows from operating activities
Net income		$ 10,297	$ 10,240
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation of premises and equipment		559	309
Net amortization of premiums on securities		57	135
Net accretion of discounts on loans		(671)	(908)
Net accretion of deferred loan fees		(175)	(1,165)
Amortization of servicing assets		423	531
Reversal for credit losses	[1],[2]	(2,778)	(1,191)
Bank-owned life insurance income		(180)	(172)
Deferred tax expense (benefit)		(449)	544
Stock-based compensation		120	141
Gain on sale of loans		(1,309)	(3,777)
Originations of loans held-for-sale		(22,741)	(21,240)
Proceeds from sales of and principal collected on loans held-for-sale		28,929	43,894
Change in accrued interest receivable and other assets		3,840	(780)
Change in accrued interest payable and other liabilities		2,296	2,601
Net cash provided by operating activities		18,218	29,162
Cash flows from investing activities
Purchase of securities available-for-sale		(4,908)	(19,915)
Proceeds from maturities and paydowns of securities available-for-sale		4,077	6,166
Proceeds from principal collected on loans held-for-sale previously classified as held-for-investment		5,074	0
Net change in loans held-for-investment		(30,244)	(9,655)
Purchase of loans held-for-investment		(15,741)	0
Purchases of premises and equipment		(122)	(319)
Net cash used in investing activities		(41,864)	(23,723)
Cash flows from financing activities
Net change in deposits		95,706	43,245
Net change in short-term Federal Home Loan Bank advances		(20,000)	0
Stock options exercised		450	481
Repurchase of common stock		(6,845)	0
Cash dividends paid on common stock		(2,177)	(2,238)
Net cash provided by financing activities		67,134	41,488
Net increase in cash and cash equivalents		43,488	46,927
Cash and cash equivalents at beginning of period		147,031	203,285
Cash and cash equivalents at end of period		190,519	250,212
Supplemental disclosures of cash flow information:
Interest paid		7,954	1,102
Income taxes paid		56	36
Supplemental disclosures of non-cash investment activities:
Right of use assets obtained in exchange for lease obligations		$ 195	$ 335
[1]Reversal for credit losses for the three months ended March 31, 2023 is presented under ASC 326, while prior period comparison continue to be presented under legacy ASC 450 and ASC 310.[2]Reversal for credit losses for the three months ended March 31, 2023 is presented under ASC 326, while prior period comparison continues to be presented under legacy ASC 450 and ASC 310.

Basis of Presentation and Signi

Basis of Presentation and Significant Accounting Policies	3 Months Ended
	Mar. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation and Significant Accounting Policies	Basis of Presentation and Significant Accounting Policies Nature of Operations PCB Bancorp is a bank holding company whose subsidiary is PCB Bank (the “Bank”), which is a single operating segment. The Company changed its subsidiary name from Pacific City Bank to PCB Bank on August 25, 2022. As of March 31, 2023, the Bank operated 11 full-service branches in Los Angeles and Orange counties, California, three full-service branches on the East Coast (Bayside, New York; and Englewood Cliffs and Palisades Park, New Jersey), and two full-service branches in Texas (Carrollton and Dallas), and seven loan production offices (“LPOs”) in Los Angeles and Orange Counties, California; Annandale, Virginia; Atlanta, Georgia; Aurora, Colorado; Bellevue, Washington; and Carrollton, Texas. The Bank offers a broad range of loans, deposits, and other products and services predominantly to small and middle market businesses and individuals. Basis of Presentation The accompanying unaudited interim consolidated financial statements have been prepared pursuant to Article 10 of SEC Regulation S-X and other SEC rules and regulations for reporting on the Quarterly Report on Form 10-Q. Accordingly, certain disclosures required by U.S. generally accepted accounting principles (“GAAP”) are not included herein. These interim statements should be read in conjunction with the audited consolidated financial statements and notes included in the Annual Report on Form 10-K for the year ended December 31, 2022 filed by the Company with the SEC. The December 31, 2022 balance sheet presented herein has been derived from the audited financial statements included in the Annual Report on Form 10-K for the year ended December 31, 2022 filed with the SEC, but does not include all of the disclosures required by GAAP for complete financial statements. In the opinion of management of the Company, the accompanying unaudited interim consolidated financial statements reflect all of the adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the consolidated financial condition and consolidated results of operations as of the dates and for the periods presented. Certain reclassifications have been made in the prior period financial statements to conform to the current period presentation. The results of operations for the three months ended March 31, 2023 are not necessarily indicative of the results that may be expected for the year ending December 31, 2023. Principles of Consolidation The consolidated financial statements include the accounts of PCB Bancorp and its wholly owned subsidiary as of March 31, 2023 and December 31, 2022, and for the three months ended March 31, 2023 and 2022. Significant inter-company accounts and transactions have been eliminated in consolidation. Unless the context requires otherwise, all references to the Company include its wholly owned subsidiary. Significant Accounting Policies The accounting and reporting policies of the Company are based upon GAAP and conform to predominant practices within the banking industry. Other than the adoption of ASU 2016-13, “Financial Instruments-Credit Losses (Topic 326)” discussed below, the Company has not made any significant changes in its critical accounting policies from those disclosed in its Annual Report on Form 10-K for the year ended December 31, 2022 filed with the SEC. Use of Estimates in the Preparation of Financial Statements The preparation of the consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the consolidated financial statements, and the reported amounts of revenues and expenses during the reporting period. These estimates are subject to change and such change could have a material effect on the consolidated financial statements. Actual results may differ from those estimates. Adopted Accounting Pronouncements During the three months ended March 31, 2023, the Company adopted following accounting pronouncements. In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, “Financial Instruments-Credit Losses (Topic 326).” The amendments in this ASU require that entities change the impairment model for most financial assets that are measured at amortized cost and certain other instruments from an incurred loss model to an expected loss model. Under this model, entities will estimate credit losses over the entire contractual term of the instrument from the date of initial recognition of that instrument. It includes financial assets such as loan receivables, held-to-maturity debt securities, net investment in leases that are not accounted for at fair value through net income, and certain off-balance sheet credit exposures. This ASU was effective for public business entities that are SEC filers for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. In 2019, the FASB amended this ASU, which delays the effective date to 2023 for certain SEC filers that are Smaller Reporting Companies, which would apply to the Company. On January 1, 2023, the Company adopted the provisions of ASC 326 through the application of the modified retrospective transition approach, and recorded a net decrease of $1.9 million to the beginning balance of retained earnings as of January 1, 2023 for the cumulative effect adjustment, reflecting an initial adjustment to the allowance for credit losses (“ACL”) on loans of $1.1 million and the ACL on off-balance sheet credit exposures of $1.6 million, net of related deferred tax assets arising from temporary differences of $788 thousand. The initial adjustment to the ACL is reflective of expected lifetime credit losses associated with the composition of financial assets within in the scope of ASC 326 as of January 1, 2023, as well as management’s current expectation of future economic conditions. The following table summarizes the initial adjustment to the ACL as of January 1, 2023: ($ in thousands) Pre-ASC 326 Adoption Impact of ASC 326 Adoption As Reported Under ASC 326 Assets ACL on loans Commercial real estate $ 15,536 $ (610) $ 14,926 Commercial and industrial 5,502 4,344 9,846 Consumer 3,904 (2,667) 1,237 Total ACL on loans 24,942 1,067 26,009 Deferred tax assets 3,115 788 3,903 Liabilities ACL on off-balance sheet credit exposures $ 299 $ 1,607 1,906 Shareholders’ equity Retained earnings $ 127,181 $ (1,886) 125,295 In conjunction with the adoption of ASC 326, the Company made an accounting policy election not to measure an ACL on accrued interest receivables for the loans collectively evaluated. For the loans individually evaluated, the Company considers accrued interest receivables as a part of the amortized cost and measures an ACL. When accrued interest receivable is deemed to be uncollectable, the Company promptly reverses such balances through current period interest income in the period they are deemed uncollectable. Additionally, the Company has also elected not to include the balance of accrued interest receivable in the amortized cost basis of financial assets within the scope of ASC 326. Accrued interest receivable will continue to be presented separately in the Consolidated Balance Sheets. ACL on securities available-for-sale The Company reviewed securities available-for-sale that were in an unrealized loss position as of January 1, 2023 and determined the decline in fair value for those securities was not related to credit, but rather related to changes in interest rates and general market conditions. Additionally, there were no investment securities with previously recorded other-than-temporary impairment (“OTTI”) as of January 1, 2023. As such, no ACL was recorded for securities available-for-sale as of January 1, 2023. ACL on loans The measurement of the ACL on loans is performed by collectively evaluating loans with similar risk characteristics using a discounted cash flow approach. The discounted cash flow methodology incorporates a probability of default (“PD”) and loss given default (“LGD”) model, as well as reasonable and supportable forecasts, and generates an estimate of the contractual cash flows that are not expected to be collected over the life of the loan. PD and LGD are forecasted over a one-year time horizon using economic forecast scenarios, which the Company believes is a reasonable and supportable period. Beyond the one-year forecast time horizon, the Company’s ACL model reverts to historical long-term average loss rates over one-year period. The use of reasonable and supportable forecasts requires significant judgment, such as selecting forecast scenarios, as well as determining the appropriate length of the forecast horizon. Management utilizes the economic forecasts provided by the Federal Open Market Committee (“FOMC”) to forecast the first 4 quarters of the credit loss estimate. The FOMC projects national unemployment rate and the projected change in the year-over-year national gross domestic product (“GDP”) growth rates over the forward-looking 4 quarters are used in determining the PD rates over the forecasted periods. A portion of the collectively-evaluated ACL on loans also includes qualitative adjustments for risk factors not reflected or captured by the quantitative modeled ACL but are relevant in estimating future expected credit losses. Qualitative adjustments may be related to and include, but not limited to factors such as: (i) management’s assessment of economic forecasts used in the model and how those forecasts align with management’s overall evaluation of current and expected economic conditions, (ii) organization-specific risks such as credit concentrations, collateral specific risks, regulatory risks, and external factors that may ultimately impact credit quality, (iii) potential model limitations such as limitations identified through back-testing, and other limitations associated with factors such as underwriting changes, acquisition of new portfolios and changes in portfolio segmentation, and (iv) management’s overall assessment of the adequacy of the ACL, including an assessment of ACL model data inputs. Problem loans are typically substandard or have a worse internal risk grade, and may consist of loans on nonaccrual status where the likelihood of foreclosure on underlying collateral has increased, collateral dependent loans and other loans where concern or doubt over the ultimate collectability of all contractual amounts due has become elevated. These problem loans, in the opinion of management, no longer possess risk characteristics similar to other loans in the loan segment, and as such may require individual evaluation for appropriate ACL for the loan. Performing loans individually evaluated, the Company measures the expected credit loss for the loan based on a discounted cash flow approach or fair value of collateral, less costs to sell. Collateral dependent loans are loans to borrowers with financial difficulty where the repayment of the loan is expected from the operation of and/or eventual liquidation of the underlying collateral. As a part of the adoption of ASC 326, the Company reviewed and revised certain loan segments for the Company’s ACL model. Before the adoption of ASC 326, commercial property and SBA property loans were separately presented and represented 63.0% and 6.6% of loans held-for-investment at December 31, 2022, respectively. The Company re-divided these loan segments into commercial property, business property and multifamily loans, as described below, as these new loan segments are determined to share similar characteristics under the Company’s ACL model. In addition, four loan segments before the adoption of ASC 326 (commercial term loans, commercial lines of credit, SBA term loans and SBA PPP loans), which represented 12.2% of loans held-for-investment at December 31, 2022, are combined into a single loan segment, commercial and industrial (“C&I”) loans, as these loans are determined to share similar risk characteristics under the Company’s ACL model. However, loan related disclosures for prior periods continue to be presented under the legacy loan segments in this Quarterly Report on Form 10-Q. Each loan segment bears varying degrees of risk based on, among other things, the type of loan and collateral, and the sensitivity of the borrower or industry to changes in external factors such as economic conditions and interest rate changes. The loan segments are as following: Commercial Real Estate (“CRE”) Loans: • Commercial property loans – Commercial property loans include loans for which the Company holds real property as collateral, but where the borrower does not occupy the underlying property. The primary risks associated with investor property loans include the borrower’s inability to pay, material decreases in the value of the real estate that is being held as collateral, significant increases in interest rates, changes in market rents, and vacancy and conditions of the underlying property, any of which may make the real estate property unprofitable to the borrower. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. • Business property loans – Business property loans include loans for which the Company holds real property as collateral and where the underlying property is occupied by the borrower, such as with a place of business. These loans are primarily underwritten based on the cash flows of the business and secondarily on the real estate. The primary risks associated with business property loans include the borrower’s inability to pay, material decreases in the value of the real estate that is being held as collateral, and significant increases in interest rates, which reduce the cash flows of the underlying business. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. • Multifamily loans: Multifamily loans are secured by multi-tenant (5 or more units) residential real properties. Payments on multifamily loans are dependent on the successful operation or management of the properties, and repayment of these loans may be subject to adverse conditions in the real estate market or the economy. • Construction loans: Construction loans are considered to have higher risks due to construction completion and timing risk, and the ultimate repayment being sensitive to interest rate changes, government regulation of real property, and the availability of long-term financing. Additionally, economic conditions may impact the Company’s ability to recover its investment in construction loans, as adverse economic conditions may negatively impact the real estate market, which could affect the borrower’s ability to complete and sell the project. The fair value of the underlying collateral may fluctuate as market conditions change. The primary risks include the borrower’s inability to pay and the inability of the Company to recover its investment due to a decline in the fair value of the underlying collateral. Commercial and Industrial Loans: • Commercial and industrial loans – The C&I loan category includes commercial term loans and commercial lines of credit. Commercial term loans are typically extended to finance business acquisitions, permanent working capital needs, and/or equipment purchases. Commercial lines of credit are generally provided to finance short-term working capital needs and mortgage warehouse lending credit facilities. Mortgage warehouse lending is a line of credit given to a loan originator, the funds from which are used to finance a mortgage that a borrower uses to purchase single-family residential property or refinance an existing mortgage. The primary risk associated with C&I loans is the difference between expected and actual cash flows of the borrowers. In addition, the recoverability of the Company’s investment in these loans is also dependent on other factors primarily dictated by the type of collateral securing these loans, and occasionally upon other borrower assets and guarantor assets. Consumer Loans • Residential mortgage loans – The primary risks of residential mortgage loans include the borrower’s inability to pay, material decreases in the value of the real estate that is being held as collateral, and significant increases in interest rates, which may reduce the borrower’s capacity to pay. • Other consumer loans – Other consumer loans primarily include automobile loans, as well as unsecured lines of credit and term loans to high net worth individuals. Automobile loans have relatively lower LTV ratios on average and carry higher interest rates to offset for the inherently higher default risks. Unsecured lines of credit and term consumer loans are underwritten primarily based on the individual borrower’s income, current debt level, and past credit history. Repayment of these loans is dependent on the borrower’s ability to pay, and the fair value of the underlying collateral for automobile loans. The following table presents a summary of reclassification of loans held-for-investment as the date indicated: ($ in thousands) December 31, 2022 Reclassification January 1, 2023 Commercial property (1) $ 1,288,392 $ (1,288,392) $ — SBA property 134,892 (134,892) — Commercial property N/A 772,020 772,020 Business property N/A 526,513 526,513 Multifamily N/A 124,751 124,751 Total Reclassed: 1,423,284 — 1,423,284 Construction 17,054 — 17,054 Commercial and industrial 249,250 — 249,250 Residential property 333,726 — 333,726 Other consumer 22,749 — 22,749 Total loans held-for-investment $ 2,046,063 $ — $ 2,046,063 (1) Commercial property loans under the legacy loan segments included all commercial property, business property and multifamily loans under the new loan segments. The following table presents a summary of reclassification of ACL on loans as the date indicated as well as the initial adjustment to the ACL as of January 1, 2023 : ($ in thousands) December 31, 2022 Reclassification January 1, 2023 Impact of ASC 326 Adoption As Reported Under ASC 326 Commercial property (1) $ 14,059 $ (14,059) $ — $ — $ — SBA property 1,326 (1,326) — — — Commercial property N/A 8,502 8,502 (1,762) 6,740 Business property N/A 5,749 5,749 896 6,645 Multifamily N/A 1,134 1,134 256 1,390 Total Reclassed: 15,385 — 15,385 (610) 14,775 Construction 151 — 151 — 151 Commercial and industrial 5,502 — 5,502 4,344 9,846 Residential property 3,691 — 3,691 (2,534) 1,157 Other consumer 213 — 213 (133) 80 Total ACL $ 24,942 $ — $ 24,942 $ 1,067 $ 26,009 (1) Commercial property loans under the legacy loan segments included all commercial property, business property and multifamily loans under the new loan segments. Allowance for Credit Losses for Off-Balance Sheet Credit Exposures The Company applies an expected credit loss estimation methodology applied to each respective loan segment for determining the ACL for off-balance sheet credit exposures. These assumptions are based on the Company’s own historical internal loan data. In March 2022, the FASB issued ASU 2022-02, “Financial Instruments-Credit Losses (Topic 326) - Troubled Debt Restructuring and Vintage Disclosures.” The amendments in this ASU eliminates the accounting guidance for TDRs by creditors in ASC 310-40, “ Receivables - Troubled Debt Restructurings by Creditors, ” while enhancing disclosure requirements for restructurings involving borrowers that are experiencing financial difficulty. This Update also requires public business entities to disclose current-period gross write-offs by year of origination for financing receivables and net investments in leases. The Company adopted this ASU as of January 1, 2023, in conjunction with the adoption of ASU 2016-13. The Company did not have a material impact on its consolidated financial statements upon adoption of this ASU. Recent Accounting Pronouncements Not Yet Adopted There were no significant accounting pronouncements applicable to the Company that have not yet been adopted.

Fair Value Measurements

Fair Value Measurements	3 Months Ended
	Mar. 31, 2023
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements Accounting Standards Codification (“ASC”) 820, Fair Value Measurements and Disclosures, defines fair value, establishes a framework for measuring fair value including a three-level valuation hierarchy, and expands disclosures about fair value measurements. Fair value is the exchange price that would be received for an asset or paid to transfer a liability (i.e. 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. The three-level fair value hierarchy requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The three levels of inputs that may be used to measure fair value are defined as follows: • Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. • Level 2: Significant observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. • Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. Fair value is measured on a recurring basis for certain assets and liabilities in which fair value is the primary basis of accounting. Additionally, fair value is used on a non-recurring basis to evaluate certain assets or liabilities for impairment or for disclosure purposes. Categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. The Company records securities available-for-sale at fair value on a recurring basis. Certain other assets, such as loans held-for-sale, impaired loans, servicing assets and other real estate owned (“OREO”) are recorded at fair value on a non-recurring basis. Non-recurring fair value measurements typically involve assets that are periodically evaluated for impairment and for which any impairment is recorded in the period in which the re-measurement is performed. The following is a description of valuation methodologies used for assets and liabilities recorded at fair value: Investment securities : The fair values of securities available-for-sale are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1) or matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2). Management reviews the valuation techniques and assumptions used by the provider and determines that the provider uses widely accepted valuation techniques based on observable market inputs appropriate for the type of security being measured. Securities held-to-maturity are not measured at fair value on a recurring basis. Loans held-for-sale : The Company records SBA loans held-for-sale, residential property loans held-for-sale and certain non-residential real estate loans held-for-sale at the lower of cost or fair value, on an aggregate basis. The Company obtains fair values from a third party independent valuation service provider. Loans held-for-sale accounted for at the lower of cost or fair value are considered to be recognized at fair value when they are recorded at below cost, on an aggregate basis, and are classified as Level 2. Loans individually evaluated : Certain collateral-dependent loans individually evaluated are recognized at fair value when they reflect partial write-downs, through charge-offs or specific reserve allowances, that are based on the current appraised or market-quoted value of the underlying collateral. In some cases, the properties for which market quotes or appraised values have been obtained are located in areas where comparable sales data is limited, outdated, or unavailable. Fair value estimates for collateral-dependent loans individually evaluated are obtained from real estate brokers or other third-party consultants, and are classified as Level 3. Other real estate owned : The Company initially records OREO at fair value at the time of foreclosure. Thereafter, OREO is recorded at the lower of cost or fair value based on their subsequent changes in fair value. The fair value of OREO is generally based on recent real estate appraisals adjusted for estimated selling costs. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments may be significant and result in a Level 3 classification due to the unobservable inputs used for determining fair value. Only OREO with a valuation allowance are considered to be carried at fair value. Servicing Assets: Servicing assets represent the value associated with servicing loans that have been sold. The fair value for servicing assets is determined through discounted cash flow analysis and utilizes discount rates and prepayment speed assumptions as inputs. All of these assumptions require a significant degree of management estimation and judgment. The fair market valuation is performed on a quarterly basis for servicing assets. Servicing assets are accounted for at the lower of cost or market value and considered to be recognized at fair value when they are recorded at below cost and are classified as Level 3. Assets and Liabilities Measured at Fair Value on a Recurring Basis The following table presents the Company’s assets and liabilities measured at fair value on a recurring basis as of dates indicated: Fair Value Measurement Level ($ in thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs Significant Unobservable Inputs Total March 31, 2023 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ — $ 100,843 $ — $ 100,843 Residential collateralized mortgage obligations — 26,655 — 26,655 SBA loan pool securities — 8,538 — 8,538 Municipal bonds — 4,270 — 4,270 Corporate bonds — 4,359 — 4,359 Total securities available-for-sale — 144,665 — 144,665 Total assets measured at fair value on a recurring basis $ — $ 144,665 $ — $ 144,665 Total liabilities measured at fair value on a recurring basis $ — $ — $ — $ — December 31, 2022 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ — $ 96,900 $ — $ 96,900 Residential collateralized mortgage obligations — 26,956 — 26,956 SBA loan pool securities — 9,298 — 9,298 Municipal bonds — 4,186 — 4,186 Corporate bonds — 4,523 — 4,523 Total securities available-for-sale — 141,863 — 141,863 Total assets measured at fair value on a recurring basis $ — $ 141,863 $ — $ 141,863 Total liabilities measured at fair value on a recurring basis $ — $ — $ — $ — Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis The following table presents the Company’s assets and liabilities measured at fair value on a non-recurring basis as of dates indicated: Fair Value Measurement Level ($ in thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs Significant Unobservable Inputs Total March 31, 2023 Loans individually evaluated: Business property $ — $ — $ 50 $ 50 Total loans individually evaluated — — 50 50 Total assets measured at fair value on a non-recurring basis $ — $ — $ 50 $ 50 Total liabilities measured at fair value on a non-recurring basis $ — $ — $ — $ — December 31, 2022 Impaired loans: Commercial lines of credit (1) $ — $ — $ 4,000 $ 4,000 Total impaired loans — — 4,000 4,000 Total assets measured at fair value on a non-recurring basis $ — $ — $ 4,000 $ 4,000 Total liabilities measured at fair value on a non-recurring basis $ — $ — $ — $ — (1) Included in loans held-for-sale The following table presents quantitative information about level 3 fair value measurements for assets measured at fair value on a non-recurring basis as of the date indicated: ($ in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted-Average) March 31, 2023 Loans individually evaluated: Business property $ 50 Fair value of collateral NM NM December 31, 2022 Impaired loans: Commercial lines of credit (1) $ 4,000 Pending Sales Agreement NM NM (1) Included in loans held-for-sale. The following table presents gains or losses, including charge-offs, recoveries, and specific reserves recorded, for assets measured at fair value for the periods indicated: Three Months Ended March 31, ($ in thousands) 2023 2022 Loans individually evaluated: Business property $ (29) $ — Commercial and industrial 1,074 — Net gains recognized $ 1,045 $ — Fair Value of Financial Instruments The following table presents the carrying value and estimated fair values of financial assets and liabilities as of the dates indicated: Carrying Value Fair Value Fair Value Measurements ($ in thousands) Level 1 Level 2 Level 3 March 31, 2023 Financial assets: Interest-bearing deposits in other financial institutions $ 164,718 $ 164,718 $ 164,718 $ — $ — Securities available-for-sale 144,665 144,665 — 144,665 — Loans held-for-sale 14,352 15,425 — 15,425 — Net loans held-for-investment 2,067,748 2,000,393 — — 2,000,393 Federal Home Loan Bank (“FHLB”) and other restricted stock 10,183 N/A N/A N/A N/A Accrued interest receivable 7,998 7,998 269 436 7,293 Financial liabilities: Deposits $ 2,141,689 $ 2,139,042 $ — $ — $ 2,139,042 Accrued interest payable 7,327 7,327 — — 7,327 December 31, 2022 Financial assets: Interest-bearing deposits in other financial institutions $ 123,829 $ 123,829 $ 123,829 $ — $ — Securities available-for-sale 141,863 141,863 — 141,863 — Loans held-for-sale 22,811 23,992 — 23,992 — Net loans held-for-investment 2,021,121 1,970,235 — — 1,970,235 FHLB and other restricted stock 10,183 N/A N/A N/A N/A Accrued interest receivable 7,472 7,472 49 475 6,948 Financial liabilities: Deposits $ 2,045,983 $ 2,041,667 $ — $ — $ 2,041,667 FHLB advances 20,000 20,001 — 20,001 — Accrued interest payable 3,159 3,159 — 5 3,154

Investment Securities

Investment Securities	3 Months Ended
	Mar. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Investment Securities The following table presents the amortized cost and fair value of the securities available-for-sale as of the dates indicated: ($ in thousands) Amortized Cost Gross Unrealized Gain Gross Unrealized Loss Fair Value March 31, 2023 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 111,737 $ 72 $ (10,966) $ 100,843 Residential collateralized mortgage obligations 27,863 138 (1,346) 26,655 SBA loan pool securities 8,891 4 (357) 8,538 Municipal bonds 4,261 15 (6) 4,270 Corporate bonds 5,000 — (641) 4,359 Total securities available-for-sale $ 157,752 $ 229 $ (13,316) $ 144,665 December 31, 2022 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 109,497 $ 1 $ (12,598) $ 96,900 Residential collateralized mortgage obligations 28,515 107 (1,666) 26,956 SBA loan pool securities 9,704 8 (414) 9,298 Municipal bonds 4,262 2 (78) 4,186 Corporate bonds 5,000 — (477) 4,523 Total securities available-for-sale $ 156,978 $ 118 $ (15,233) $ 141,863 As of March 31, 2023 and December 31, 2022, pledged securities were $67.3 million and $69.0 million, respectively. These securities were pledged for the State Deposit from the California State Treasurer. The Company elected to exclude accrued interest receivable from the amortized cost of its securities available-for-sale. Accrued interest receivable on securities available-for-sale totaled $436 thousand and $475 thousand at March 31, 2023 and December 31, 2022, respectively. As of March 31, 2023 and December 31, 2022, there were no holdings of securities available-for-sale of any one issuer, other than the U.S. government agency and U.S. government sponsored enterprise, in an amount greater than 10% of shareholder’s equity. The following table presents the amortized cost and fair value of the securities available-for-sale by contractual maturity as of the date indicated. Expected maturities may differ from contractual maturities, if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately. March 31, 2023 ($ in thousands) Amortized Cost Fair Value Within one year $ 958 $ 956 One to five years 868 868 Five to ten years 5,081 4,440 Greater than ten years 2,354 2,365 Residential mortgage-backed securities, residential collateralized mortgage obligations and SBA loan pool securities 148,491 136,036 Total $ 157,752 $ 144,665 The Company had no proceeds from sales and calls of securities available-for-sale for the three months ended March 31, 2023 or 2022. The following table summarizes the investment securities with unrealized losses by security type and length of time in a continuous unrealized loss position for which an ACL has not been recorded as of the dates indicated: Length of Time that Individual Securities Have Been In a Continuous Unrealized Loss Position Less Than 12 Months 12 Months or Longer Total ($ in thousands) Fair Value Gross Unrealized Losses Number of Securities Fair Value Gross Unrealized Losses Number of Securities Fair Value Gross Unrealized Losses Number of Securities March 31, 2023 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 25,053 $ (764) 17 $ 66,963 $ (10,202) 99 $ 92,016 $ (10,966) 116 Residential collateralized mortgage obligations 2,211 (43) 4 13,646 (1,303) 33 15,857 (1,346) 37 SBA loan pool securities 3,622 (15) 3 4,024 (342) 11 7,646 (357) 14 Municipal bonds 1,729 (6) 6 — — — 1,729 (6) 6 Corporate bonds — — — 4,359 (641) 1 4,359 (641) 1 Total securities available-for-sale $ 32,615 $ (828) 30 $ 88,992 $ (12,488) 144 $ 121,607 $ (13,316) 174 December 31, 2022 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 55,171 $ (3,721) 83 $ 41,697 $ (8,877) 36 $ 96,868 $ (12,598) 119 Residential collateralized mortgage obligations 12,600 (1,191) 29 2,262 (475) 7 14,862 (1,666) 36 SBA loan pool securities 7,161 (325) 12 821 (89) 2 7,982 (414) 14 Municipal bonds 3,314 (78) 11 — — — 3,314 (78) 11 Corporate bonds 4,523 (477) 1 — — — 4,523 (477) 1 Total securities available-for-sale $ 82,769 $ (5,792) 136 $ 44,780 $ (9,441) 45 $ 127,549 $ (15,233) 181 As of March 31, 2023, 94.1%, at amortized cost basis, of the Company's securities available-for-sale were issued by U.S. government agency and U.S. government sponsored enterprise. Because the decline in fair value is attributable to changes in interest rates and illiquidity, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell these securities before their anticipated recovery, the Company determined that these securities with unrealized losses did not warrant an ACL. Municipal and corporate bonds had an investment grade rating upon purchase. The issuers of these securities have not established any cause for default on these securities and various rating agencies have reaffirmed their long-term investment grade status as of March 31, 2023. These securities have fluctuated in value since their purchase dates as market interest rates fluctuated. The Company does not intend to sell these securities and it is more likely than not that the Company will not be required to sell before the recovery of its amortized cost basis. The Company determined that the investment securities with unrealized losses did not warrant an ACL as of March 31, 2023. As of March 31, 2023, the Company recorded no ACL on securities available-for-sale.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses on Loans	3 Months Ended
	Mar. 31, 2023
Receivables [Abstract]
Loans and Allowance for Credit Losses on Loans	Loans and Allowance for Credit Losses on Loans On January 1, 2023, the Company adopted ASU 2016-13 using the modified retrospective method through a cumulative-effect adjustment to retained earnings. Balance sheet information and results for reporting periods beginning with January 1, 2023 are presented under ASC 326, while prior period comparisons continue to be presented under legacy ASC 450 and ASC 310. Loans Held-For-Investment The following table presents the composition of the Company’s loans held-for-investment as of the dates indicated. ($ in thousands) March 31, 2023 January 1, 2023 Commercial real estate: Commercial property $ 780,282 $ 772,020 Business property 521,965 526,513 Multifamily 127,012 124,751 Construction 15,930 17,054 Total commercial real estate 1,445,189 1,440,338 Commercial and industrial 267,674 249,250 Consumer: Residential mortgage 356,967 333,726 Other consumer 22,612 22,749 Total consumer 379,579 356,475 Loans held-for-investment 2,092,442 2,046,063 Allowance for credit losses on loans (24,694) (26,009) Net loans held-for-investment $ 2,067,748 $ 2,020,054 In the ordinary course of business, the Company may grant loans to certain officers and directors, and the companies with which they are associated. As of March 31, 2023, the Company had $112 thousand of such loans outstanding. Allowance for Credit Losses on Loans The following table presents a composition of provision (reversal) for credit losses for the periods indicated: ($ in thousands) Three Months Ended March 31, 2023 Reversal for credit losses on loans $ (2,417) Provision (reversal) for credit losses on off-balance sheet credit exposures (1) (361) Total reversal for credit losses $ (2,778) (1) Provision for credit losses on off-balance sheet credit exposures for the three months ended March 31, 2022 was recorded in Other Expense on the Consolidated Statements of Income (Unaudited). The following tables present the activities in ACL on loans for the period indicated: ($ in thousands) Commercial Property Business Property Multifamily Construction Commercial and Industrial Residential Mortgage Other Consumer Total Balance at January 1, 2023 $ 8,502 $ 5,749 $ 1,134 $ 151 $ 5,502 $ 3,691 $ 213 $ 24,942 Impact of ASC 326 adoption (1,762) 896 256 — 4,344 (2,534) (133) 1,067 Charge-offs — — — — — — — — Recoveries — 5 — — 1,085 — 12 1,102 Provision (reversal) for credit losses on loans 1,736 (581) (9) 5 (3,617) 57 (8) (2,417) Balance at March 31, 2023 $ 8,476 $ 6,069 $ 1,381 $ 156 $ 7,314 $ 1,214 $ 84 $ 24,694 The decrease in ACL was primarily due to the decrease in the qualitative adjustment factors from net recoveries and credit quality improvements during the three months ended March 31, 2023; however, quantitatively measured ACL increased primarily due to the recent FOMC projections of national unemployment rate and GDP growth rate published in March 2023. Credit Quality Indicators The Company classifies loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as current financial information, historical payment experience, collateral adequacy, credit documentation, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans in regards to credit risk. This analysis typically includes non-homogeneous loans, such as commercial property and commercial and industrial loans, and is performed on an ongoing basis as new information is obtained. The Company uses the following definitions for risk ratings: Pass - Loans classified as pass include non-homogeneous loans not meeting the risk ratings defined below and smaller, homogeneous loans not assessed on an individual basis. Special Mention - Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in the deterioration of repayment prospects for the loan or of the institution’s credit position at some future date. Substandard - Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful - Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or repayment in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The following table summarize the Company’s loans held-for-investment by loan segment, internal risk ratings and vintage year as of March 31,2023 and gross write offs for the three months ended March 31, 2023. The vintage year is the year of origination, renewal or major modification. Revolving loans that are converted to term loans presented in the table below are excluded from term loans by vintage year columns. Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term ($ in thousands) 2023 2022 2021 2020 2019 Prior Total March 31, 2023 Commercial Real Estate: Commercial property Pass $ 31,346 $ 278,467 $ 164,887 $ 87,488 $ 82,571 $ 129,233 $ 934 $ — $ 774,926 Special mention — — 493 — — 2,996 — — 3,489 Substandard — — — — 316 1,551 — — 1,867 Doubtful — — — — — — — — — Total $ 31,346 $ 278,467 $ 165,380 $ 87,488 $ 82,887 $ 133,780 $ 934 $ — $ 780,282 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Business property Pass $ 18,532 $ 109,693 $ 182,537 $ 52,538 $ 73,046 $ 75,492 $ 2,555 $ 4,411 $ 518,804 Special mention — — — — — — — — — Substandard — — 192 — 2,337 632 — — 3,161 Doubtful — — — — — — — — — Total $ 18,532 $ 109,693 $ 182,729 $ 52,538 $ 75,383 $ 76,124 $ 2,555 $ 4,411 $ 521,965 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Multifamily Pass $ 2,968 $ 41,146 $ 43,971 $ 26,996 $ 2,457 $ 9,474 $ — $ — $ 127,012 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ 2,968 $ 41,146 $ 43,971 $ 26,996 $ 2,457 $ 9,474 $ — $ — $ 127,012 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Construction Pass $ — $ 6,259 $ — $ 6,503 $ 3,168 $ — $ — $ — $ 15,930 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ — $ 6,259 $ — $ 6,503 $ 3,168 $ — $ — $ — $ 15,930 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term ($ in thousands) 2023 2022 2021 2020 2019 Prior Total March 31, 2023 (Continued) Commercial and Industrial Pass $ 19,570 $ 34,078 $ 14,410 $ 7,984 $ 8,565 $ 18,020 $ 156,369 $ 5,653 $ 264,649 Special mention — — — 380 399 259 1,000 — 2,038 Substandard — — — — 87 900 — — 987 Doubtful — — — — — — — — — Total $ 19,570 $ 34,078 $ 14,410 $ 8,364 $ 9,051 $ 19,179 $ 157,369 $ 5,653 $ 267,674 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer Residential mortgage Pass $ 30,268 $ 171,982 $ 80,512 $ 11,931 $ 11,520 $ 50,754 $ — $ — $ 356,967 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ 30,268 $ 171,982 $ 80,512 $ 11,931 $ 11,520 $ 50,754 $ — $ — $ 356,967 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Other consumer Pass $ 2,497 $ 10,058 $ 4,716 $ 2,444 $ 1,244 $ 176 $ 1,432 $ — $ 22,567 Special mention — — — — — — — — — Substandard — 33 — 10 2 — — — 45 Doubtful — — — — — — — — — Total $ 2,497 $ 10,091 $ 4,716 $ 2,454 $ 1,246 $ 176 $ 1,432 $ — $ 22,612 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Total loans held-for-investment Pass $ 105,181 $ 651,683 $ 491,033 $ 195,884 $ 182,571 $ 283,149 $ 161,290 $ 10,064 $ 2,080,855 Special mention — — 493 380 399 3,255 1,000 — 5,527 Substandard — 33 192 10 2,742 3,083 — — 6,060 Doubtful — — — — — — — — — Total $ 105,181 $ 651,716 $ 491,718 $ 196,274 $ 185,712 $ 289,487 $ 162,290 $ 10,064 $ 2,092,442 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Nonaccrual Loans The following table presents the loans on nonaccrual status by loan segments as of the date indicated: ($ in thousands) Total Nonaccrual Loans Nonaccrual Loans with ACL ACL on Nonaccrual Loans Collateral Dependent Nonaccrual Loans ACL on Collateral Dependent Nonaccrual Loans March 31, 2023 Commercial real estate: Business property $ 2,904 $ 50 $ 29 $ 2,904 $ 29 Total commercial real estate 2,904 50 29 2,904 29 Commercial and industrial 11 — — 11 — Consumer: Other consumer 45 — — — — Total consumer 45 — — — — Total $ 2,960 $ 50 $ 29 $ 2,915 $ 29 There were no nonaccrual loans guaranteed by a U.S. government agency at March 31, 2023. Collateral Dependent Loans Loans that have been classified as collateral dependent are loans where substantially all repayment of the loan is expected to come from the operation of or eventual liquidation of the collateral. Collateral dependent loans are evaluated individually for purposes of determining the ACL, which is determined based on the estimated fair value of the collateral. Estimates for costs to sell are included in the determination of the ACL when liquidation of the collateral is anticipated. In cases where the loan is well secured and the estimated value of the collateral exceeds the amortized cost of the loan, no ACL is recorded. The following table presents the collateral dependent loans by loan segments as of the date indicated: ($ in thousands) Warehouse School Retail Single Family Residential Total March 31, 2023 Commercial real estate: Business property $ 2,337 $ 517 $ 50 $ — $ 2,904 Total commercial real estate 2,337 517 50 — 2,904 Commercial and industrial — — — 11 11 Total $ 2,337 $ 517 $ 50 $ 11 $ 2,915 Past Due Loans The following table presents the aging of past due in accruing loans and nonaccrual loans by loan segments as of date indicated: Still Accruing Nonaccrual ($ in thousands) 30 to 59 Days Past Due 60 to 89 Days Past Due 90 or More Days Past Due Total 30 to 59 Days Past Due 60 to 89 Days Past Due 90 or More Days Past Due Total Total Loans Past Due March 31, 2023 Commercial real estate: Commercial property $ 706 $ — $ — $ 706 $ — $ — $ — $ — $ 706 Business property 39 — — 39 — — 51 51 90 Total commercial real estate 745 — — 745 — — 51 51 796 Consumer: Other consumer 34 13 — 47 33 — — 33 80 Total consumer 34 13 — 47 33 — — 33 80 Total $ 779 $ 13 $ — $ 792 $ 33 $ — $ 51 $ 84 $ 876 Loan Modification Occasionally, the Company modifies loans to borrowers in financial distress by providing principal forgiveness, term extension, an other-than-insignificant payment delay, interest rate reduction or combination of at above mentioned modifications. When principal forgiveness is provided, the amount of forgiveness is charged-off against the ACL. The following table presents the loans that were both experiencing financial difficulty and modified during the three months ended March 31, 2023 by loan segments and modification type. ($ in thousands) Interest Only Total Percentage to Each Loan Segment Commercial and industrial $ 11 $ 11 0.1 % Total $ 11 $ 11 0.1 % The Company had no commitments to lend to the borrower included in the above table as of March 31, 2023. The loan was current status as of March 31, 2023 and had no payment default during the three months ended March 31, 2023. Purchases, Sales, and Transfers The Company had no loans that were transferred from loans held-for-investment to loans held-for-sale the three months ended March 31, 2023. The Company had no loans that were transferred from loans held-for-sale to loans held-for investment during the three months ended March 31, 2023. The following table presents a summary of purchases of loans held-for-investment for the period indicated: ($ in thousands) Three Months Ended March 31, 2023 Consumer: Residential mortgage $ 15,741 Total consumer 15,741 Total $ 15,741 Loans Held-For-Sale The following table presents a composition of loans held-for-sale as of the date indicated: ($ in thousands) March 31, 2023 Commercial real estate: Commercial property $ 3,494 Business property 9,425 Total commercial real estate 12,919 Commercial and industrial 1,433 Total $ 14,352 Loans held-for-sale are carried at the lower of cost or fair value. When a determination is made at the time of commitment to originate as held-for-investment, it is the Company’s intent to hold these loans to maturity or for the “foreseeable future,” subject to periodic reviews under the Company’s management evaluation processes, including asset/liability management and credit risk management. When the Company subsequently changes its intent to hold certain loans, the loans are transferred to held-for-sale at the lower of cost or fair value. Certain loans are transferred to held-for-sale with write-downs to ACL on loans. Prior to Adoption of ASC 326 Loans Held-For-Investment The following table presents the composition of the Company’s loans held-for-investment by legacy loan segments as of the date indicated: ($ in thousands) December 31, 2022 Real estate loans: Commercial property $ 1,288,392 Residential property 333,726 SBA property 134,892 Construction 17,054 Total real estate loans 1,774,064 Commercial and industrial loans: Commercial term 77,700 Commercial lines of credit 154,142 SBA commercial term 16,211 SBA PPP 1,197 Total commercial and industrial loans 249,250 Other consumer loans 22,749 Loans held-for-investment 2,046,063 Allowance for loan losses (24,942) Net loans held-for-investment $ 2,021,121 In the ordinary course of business, the Company may grant loans to certain officers and directors, and the companies with which they are associated. As of December 31, 2022, the Company had $113 thousand of such loans outstanding. Allowance for Loan Losses The following table presents the activities in allowance for loan losses by legacy loan segments for the period indicated: ($ in thousands) Real Estate Commercial and Industrial Other Consumer Total Balance at January 1, 2022 $ 16,797 $ 5,310 $ 274 $ 22,381 Charge-offs — — (12) (12) Recoveries on loans previously charged off — 5 15 20 Reversal for loan losses (195) (959) (37) (1,191) Balance at March 31, 2022 $ 16,602 $ 4,356 $ 240 $ 21,198 The following tables present the information on allowance for loan losses and recorded investments by legacy loan segments and impairment methodology as of the date indicated: ($ in thousands) Real Estate Commercial and Industrial Consumer Total December 31, 2022 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — Collectively evaluated for impairment 19,227 5,502 213 24,942 Total $ 19,227 $ 5,502 $ 213 $ 24,942 Loans receivable: Individually evaluated for impairment $ 3,889 $ — $ — $ 3,889 Collectively evaluated for impairment 1,770,175 249,250 22,749 2,042,174 Total $ 1,774,064 $ 249,250 $ 22,749 $ 2,046,063 Impaired Loans The following table presents loans individually evaluated for impairment by legacy loan segments as of the date indicated. The recorded investment presents customer balances net of any partial charge-offs recognized on the loans and net of any deferred fees and costs. With No Allowance Recorded With an Allowance Recorded ($ in thousands) Recorded Investment Unpaid Principal Balance Recorded Investment Unpaid Principal Balance Related Allowance December 31, 2022 Real estate loans: Commercial property $ 2,721 $ 2,727 $ — $ — $ — Residential property 372 372 — — — SBA property 798 840 — — — Total $ 3,891 $ 3,939 $ — $ — $ — The following table presents information on the recorded investment in impaired loans by legacy loan segments for the period indicated: Three Months Ended March 31, 2022 ($ in thousands) Average Recorded Investment Interest Income Real estate loans: Commercial property $ 325 $ 5 Residential property 461 — SBA property 979 3 Commercial and industrial loans: Commercial term 1 — SBA commercial term 211 — Total $ 1,977 $ 8 The following presents a summary of interest foregone on impaired loans for the period indicated: ($ in thousands) Three Months Ended March 31, 2022 Interest income that would have been recognized had impaired loans performed in accordance with their original terms $ 26 Less: interest income recognized on impaired loans on a cash basis (8) Interest income foregone on impaired loans $ 18 Credit Quality Indicators The following table presents the risk categories for loans held-for-investment by legacy loan segments as of the date indicated: ($ in thousands) Pass Special Mention Substandard Doubtful Total December 31, 2022 Real estate loans: Commercial property $ 1,282,044 $ 3,264 $ 3,084 $ — $ 1,288,392 Residential property 333,354 — 372 — 333,726 SBA property 132,910 245 1,737 — 134,892 Construction 17,054 — — — 17,054 Commercial and industrial loans: Commercial term 75,473 1,248 979 — 77,700 Commercial lines of credit 152,042 2,100 — — 154,142 SBA commercial term 16,175 — 36 — 16,211 SBA PPP 1,197 — — — 1,197 Other consumer loans 22,746 — 3 — 22,749 Total $ 2,032,995 $ 6,857 $ 6,211 $ — $ 2,046,063 Past Due and Nonaccrual Loans The following table presents the aging of past due recorded investment in accruing loans and nonaccrual loans by legacy loan segments as of the date indicated: Still Accruing ($ in thousands) 30 to 59 Days Past Due 60 to 89 Days Past Due 90 or More Days Past Due Nonaccrual Total Past Due and Nonaccrual December 31, 2022 Real estate loans: Commercial property $ — $ — $ — $ 2,400 $ 2,400 Residential property — — — 372 372 SBA property — — — 585 585 Other consumer loans 47 87 — 3 137 Total $ 47 $ 87 $ — $ 3,360 $ 3,494 Purchases, Sales, and Transfers The Company had no loans that were transferred between loans held-for investment and loans held-for-sale, and no purchases of loans held-for-investment during the three months ended March 31, 2022. Loans Held-For-Sale The following table presents a composition of loans held-for-sale as of the date indicated: ($ in thousands) December 31, 2022 Real estate loans: SBA property $ 16,473 Commercial and industrial loans: Commercial lines of credit 4,000 SBA commercial term 2,338 Total $ 22,811

Servicing Assets

Servicing Assets	3 Months Ended
	Mar. 31, 2023
Transfers and Servicing [Abstract]
Servicing Assets	Servicing Assets The Company sells SBA and certain residential mortgage loans with servicing retained. SBA loans are included in commercial real estate loans (“CRE SBA”) and commercial and industrial loans (“C&I SBA”). The Company sold loans of $27.1 million and $39.7 million, respectively, with the servicing rights retained and recognized a net gain on sale of $1.3 million and $3.8 million, respectively, during the three months ended March 31, 2023 and 2022. Loan servicing income was $860 thousand and $700 thousand for the three months ended March 31, 2023 and 2022, respectively. The following table presents the composition of servicing assets with key assumptions used to estimate the fair value as of the dates indicated: March 31, 2023 December 31, 2022 ($ in thousands) Residential Mortgage CRE SBA C&I SBA Total Residential Mortgage CRE SBA C&I SBA Total Carrying amount $ 57 $ 6,842 $ 446 $ 7,345 $ 64 $ 6,831 $ 452 $ 7,347 Fair value $ 112 $ 9,143 $ 635 $ 9,890 $ 118 $ 9,090 $ 620 $ 9,828 Discount rate 9.93 % 12.30 % 15.46 % 7.73 % 11.47 % 12.55 % Prepayment speed 14.50 % 14.67 % 15.58 % 17.10 % 14.82 % 18.93 % Weighted-average remaining life 20.6 years 21.3 years 6.8 years 20.8 years 21.4 years 6.7 years Underlying loans being serviced $ 12,016 $ 472,376 $ 56,110 $ 540,502 $ 13,058 $ 461,738 $ 56,299 $ 531,095 The following table present activity in servicing assets for the periods indicated: Three Months Ended March 31, 2023 2022 ($ in thousands) Residential Mortgage CRE SBA C&I SBA Total Residential Mortgage CRE SBA C&I SBA Total Balance at beginning of period $ 64 $ 6,831 $ 452 $ 7,347 $ 86 $ 6,701 $ 482 $ 7,269 Additions — 376 45 421 — 745 50 795 Amortization (7) (365) (51) (423) (10) (462) (59) (531) Impairment — — — — — — — — Balance at end of period $ 57 $ 6,842 $ 446 $ 7,345 $ 76 $ 6,984 $ 473 $ 7,533

Operating Leases

Operating Leases	3 Months Ended
	Mar. 31, 2023
Leases [Abstract]
Operating Leases	Operating Leases The following table presents operating lease cost and supplemental cash flow information related to leases for the periods indicated: Three Months Ended March 31, ($ in thousands) 2023 2022 Operating lease cost (1) $ 743 $ 665 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 810 $ 719 Right of use assets obtained in exchange for lease obligations $ 195 $ 335 (1) Included in Occupancy and Equipment on the Consolidated Statements of Income (Unaudited). The Company used the incremental borrowing rate based on the information available at lease commencement in determining the present value of lease payments. The following table presents supplemental balance sheet information related to leases as of the dates indicated: ($ in thousands) March 31, 2023 December 31, 2022 Operating leases: Operating lease assets $ 5,854 $ 6,358 Operating lease liabilities $ 6,238 $ 6,809 Weighted-average remaining lease term 4.3 years 4.3 years Weighted-average discount rate 2.74 % 2.66 % The following table presents maturities of operating lease liabilities as of the date indicated: ($ in thousands) March 31, 2023 Maturities: 2023 $ 1,982 2024 1,374 2025 1,233 2026 870 2027 422 After 2027 845 Total lease payment 6,726 Imputed Interest (488) Present value of operating lease liabilities $ 6,238

Federal Home Loan Bank Advances

Federal Home Loan Bank Advances and Other Borrowings	3 Months Ended
	Mar. 31, 2023
Debt Disclosure [Abstract]
Federal Home Loan Bank Advances and Other Borrowings	Federal Home Loan Bank Advances and Other Borrowings FHLB Advances The Company had no outstanding FHLB advance of March 31, 2023. At December 31, 2022, the Company had an overnight FHLB advance of $20.0 million with an interest rate of 4.65%. The Bank repaid the advance upon maturity. At March 31, 2023 and December 31, 2022, loans pledged to secure borrowings from the FHLB were $1.20 billion and $1.16 billion, respectively. The Company’s investment in capital stock of the FHLB of San Francisco totaled $10.0 million and $10.0 million at March 31, 2023 and December 31, 2022, respectively. The Company had additional borrowing capacity of $605.0 million and $561.7 million from the FHLB as of March 31, 2023 and December 31, 2022, respectively. Other Borrowing Arrangements At March 31, 2023, the Company had $29.8 million of unused borrowing capacity from the Federal Reserve Discount Window, to which the Company pledged loans with a carrying value of $37.2 million with no outstanding borrowings. In addition, the Company may borrow up to approximately $65.0 million overnight federal funds lines with correspondent financial institutions at March 31, 2023.

Shareholders_ Equity

Shareholders’ Equity	3 Months Ended
	Mar. 31, 2023
Equity [Abstract]
Shareholders’ Equity	Shareholders’ Equity Series C, Senior Non-Cumulative Perpetual Preferred Stock On May 24, 2022, the Company issued 69,141 shares of Senior Non-Cumulative Perpetual Preferred Stock, Series C, liquidation preference of $1,000 per share (“Series C Preferred Stock”) for the capital investment of $69.1 million from the U.S. Treasury under the Emergency Capital Investment Program (“ECIP”). ECIP investment is treated as tier 1 capital for the regulatory capital treatment. The Series C Preferred Stock bears no dividend for the first 24 months following the investment date. Thereafter, the dividend rate will be adjusted based on the lending growth criteria listed in the terms of the ECIP investment with the annual dividend rate up to 2%. After the tenth anniversary of the investment date, the dividend rate will be fixed based on average annual amount of lending in years 2 through 10. Dividends will be payable quarterly in arrears on March 15, June 15, September 15, and December 15. The Series C Preferred Stock may be redeemed at the option of the Company on or after the fifth anniversary of issuance (or earlier in the event of loss of regulatory capital treatment), subject to the approval of the appropriate federal banking regulator and in accordance with the federal banking agencies’ regulatory capital regulations. Stock Repurchase

Share-Based Compensation

Share-Based Compensation	3 Months Ended
	Mar. 31, 2023
Share-Based Payment Arrangement [Abstract]
Share-Based Compensation	Share-Based Compensation On July 25, 2013, the Company adopted the 2013 Equity Based Stock Compensation Plan (“2013 EBSC Plan”) approved by its shareholders to replace the 2003 Stock Option Plan. The 2013 EBSC Plan provides 1,114,446 shares of common stock for equity based compensation awards including incentive and non-qualified stock options and restricted stock awards. As of March 31, 2023, there were 411,670 shares available for future grants. Share-Based Compensation Expense The following table presents share-based compensation expense and the related tax benefits for the periods indicated: Three Months Ended March 31, ($ in thousands) 2023 2022 Share-based compensation expense related to: Stock options $ 36 $ 47 Restricted stock awards 84 94 Total share-based compensation expense $ 120 $ 141 Related tax benefits $ 25 $ 29 The following table presents unrecognized share-based compensation expense as of the date indicated: March 31, 2023 ($ in thousands) Unrecognized Expense Weighted-Average Remaining Expected Recognition Period Unrecognized share-based compensation expense related to: Stock options $ 281 3.2 years Restricted stock awards 679 2.8 years Total unrecognized share-based compensation expense $ 960 2.9 years Stock Options The following table represents stock option activity for the periods indicated: Three Months Ended March 31, 2023 ($ in thousands except per share data) Number of Shares Weighted-Average Exercise Price Per Share Weighted-Average Contractual Term Aggregated Intrinsic Value Outstanding at beginning of period 566,637 $ 12.49 4.1 years $ 2,946 Exercised (57,777) $ 7.78 1.3 years Outstanding at end of period 508,860 $ 13.03 4.1 years $ 745 Exercisable at end of period 420,860 $ 11.84 3.3 years $ 1,115 The following table represents information regarding unvested stock options for the periods indicated: Three Months Ended March 31, 2023 Number of Shares Weighted-Average Exercise Price Per Share Outstanding at beginning of period 94,000 $ 18.95 Vested (6,000) $ 22.61 Outstanding at end of period 88,000 $ 18.70 Restricted Stock Awards The following table represents RSA activity for the periods indicated: Three Months Ended March 31, 2023 Number of Shares Weighted-Average Grant Date Fair Value Per Share Outstanding at beginning of period 62,022 $ 16.59 Vested (16,261) $ 13.93 Outstanding at end of period 45,761 $ 17.53

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2023
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Income tax expense was $4.2 million and $4.2 million, respectively, and the effective tax rate was 28.8% and 28.9%, respectively, for the three months ended March 31, 2023 and 2022. At March 31, 2023 and December 31, 2022, the Company had no unrecognized tax benefits or related accrued interest. The Company and its subsidiaries are subject to U.S. federal and various state jurisdictions income tax examinations. As of March 31, 2023, the Company is no longer subject to examination by taxing authorities for tax years before 2019 for federal taxes and before 2018 for various state jurisdictions. The statute of limitations vary by state, and state taxes other than California have been minimal and immaterial to the Company’s financial results.

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2023
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share The following table presents the computations of basic and diluted EPS for the periods indicated: Three Months Ended March 31, ($ in thousands, except per share) 2023 2022 Basic earnings per share: Net income $ 10,297 $ 10,240 Less: income allocated to unvested restricted stock (33) (48) Net income allocated to common stock $ 10,264 $ 10,192 Weighted-average total common shares outstanding 14,465,833 14,918,594 Less: weighted-average unvested restricted stock (46,678) (70,580) Weighted-average common shares outstanding, basic 14,419,155 14,848,014 Basic earnings per share $ 0.71 $ 0.69 Diluted earnings per share: Net income allocated to common stock $ 10,264 $ 10,192 Weighted-average common shares outstanding, basic 14,419,155 14,848,014 Diluted effect of stock options 155,774 293,679 Weighted-average common shares outstanding, diluted 14,574,929 15,141,693 Diluted earnings per share $ 0.70 $ 0.67 There were 93,700 and 60,000 stock options excluded in computing diluted EPS because they were anti-dilutive for three months ended March 31, 2023 and 2022, respectively.

Off-Balance Sheet Credit Exposu

Off-Balance Sheet Credit Exposures, Commitments and Other Contingencies	3 Months Ended
	Mar. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Off-Balance Sheet Credit Exposures, Commitments and Other Contingencies	Off-Balance Sheet Credit Exposures, Commitments and Other Contingencies In the ordinary course of business, the Company enters into financial commitments to meet the financing needs of its customers. These financial commitments include commitments to extend credit and letters of credit. Those instruments involve to varying degrees, elements of credit, and interest rate risk not recognized in the Company’s consolidated financial statements. The Company had the following outstanding financial commitments whose contractual amount represents credit risk as of the dates indicated: March 31, 2023 December 31, 2022 ($ in thousands) Fixed Rate Variable Rate Fixed Rate Variable Rate Unused lines of credit $ 2,142 $ 277,223 $ 3,117 $ 251,178 Unfunded loan commitments 399 40,359 692 38,486 Standby letters of credit 3,018 1,901 2,989 1,901 Commercial letters of credit — 481 — 502 Total $ 5,559 $ 319,964 $ 6,798 $ 292,067 Unfunded loan commitments are generally made for periods of 90 days or less, except for SBA loans that are generally made for periods of 180 days or less. The Company applies an expected credit loss estimation methodology applied to each respective loan segment for determining the ACL for off-balance sheet credit exposures. The loss estimation process includes assumptions for utilization at default. These assumptions are based on the Company’s own historical internal loan data. As a part of adoption of ASC 326, the Company recorded an initial adjustment to the ACL on off-balance sheet credit exposures of $1.6 million. As of March 31, 2023 and December 31, 2022, the Company maintained an ACL on off-balance sheet credit exposures of $1.5 million and $299 thousand in Accrued Interest Payable and Other Liabilities in the Consolidated Balance Sheets, respectively. 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. Since many of the commitments are expected to expire without being drawn upon, the total amounts do not necessarily represent future cash requirements. The Company evaluates each client’s credit worthiness on a case-by-case basis. The amount of collateral obtained if deemed necessary by the Company is based on management’s credit evaluation of the customer. Litigation The Company is involved in various matters of litigation, which have arisen in the ordinary course of business. In the opinion of management, the disposition of pending matters of litigation will not have a material effect on the Company’s consolidated financial statements. Network and Data Incident On August 30, 2021, the Bank identified unusual activity on its network. The Bank responded promptly to disable the activity, investigate its source and monitor the Bank’s network. The Bank subsequently became aware of claims that it had been the target of a ransomware attack. On September 7, 2021, the Bank determined that an external actor had illegally accessed and/or acquired certain data on its network. The Bank has been working with third-party forensic investigators to understand the nature and scope of the incident and determine what information may have been accessed and/or acquired and who may have been impacted. The investigation revealed that this incident impacted certain files containing certain Bank customer information. Some of these files contained documents related to loan applications, such as tax returns, Form W-2 information of their employees, and payroll records. The Bank has notified all individuals identified as impacted, consistent with applicable laws. All impacted individuals were offered free Equifax Complete Premier credit monitoring and identify theft protection services. The Bank has notified law enforcement and appropriate authorities of the incident. On December 16, 2021, a complaint based on the incident was filed in the Los Angeles County Superior Court seeking damages, injunctive relief, and equitable relief. The Bank expresses no opinion on the merits of the Matter and intends to answer, respond, and/or otherwise vigorously defend itself from the claims and causes of action asserted in the complaint to the fullest extent permitted by applicable law. Those defenses will be based in part on the fact that the Bank has implemented security procedures, practices, and a robust information security program pursuant to guidance from financial regulators. The Company continues to monitor and evaluate the data incident for its magnitude and concomitant financial, legal or reputational consequences. During the year ended December 31, 2021, expenses associated with the data incident, all of which are included in Other Expense in Consolidated Statements of Income, totaled $100 thousand, which represents the retention amount on its insurance claims. During the year ended December 31, 2022, the Company incurred additional legal expenses of $220 thousand associated with the on-going legal matters related to the data incident, all of which are included in Professional Fees in Consolidated Statement of Income. There were no additional expenses for the three months ended March 31, 2023. The Company anticipates additional expenses will be incurred in future periods; however, the Company does have a cyber-liability insurance policy that should provide insurance coverage for this incident.

Regulatory Matters

Regulatory Matters	3 Months Ended
	Mar. 31, 2023
Regulated Operations [Abstract]
Regulatory Matters	Regulatory Matters Under the final rules implementing Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (“Basel III rules”), the Bank must hold a capital conservation buffer of 2.50% above the adequately capitalized risk-based capital ratios. Management believes as of March 31, 2023 and December 31, 2022, the Bank met all capital adequacy requirements to which they are subject to. Based on changes to the Federal Reserve’s definition of a “Small Bank Holding Company” that increased the threshold to $3 billion in assets in August 2018, the Company is not currently subject to separate minimum capital measurements. At such time as the Company reaches the $3 billion asset level, it will again be subject to capital measurements independent of the Bank. For comparison purposes, the Company’s ratios are included in the following discussion as well, all of which would have exceeded the “well-capitalized” level had the Company been subject to separate capital minimums. The Company and the Bank’s capital conservation buffer was 8.59% and 9.27%, respectively, as of March 31, 2023, and 8.79% and 9.52%, respectively, as of December 31, 2022. Unrealized gain or loss on securities available-for-sale is not included in computing regulatory capital. The following table presents the regulatory capital amounts and ratios for the Company and the Bank as of dates indicated: Actual Minimum Capital Requirement To Be Well Capitalized Under Prompt Corrective Provisions ($ in thousands) Amount Ratio Amount Ratio Amount Ratio March 31, 2023 PCB Bancorp Common tier 1 capital (to risk-weighted assets) $ 276,325 13.09 % $ 94,993 4.5 % N/A N/A Total capital (to risk-weighted assets) 371,705 17.61 % 168,876 8.0 % N/A N/A Tier 1 capital (to risk-weighted assets) 345,466 16.37 % 126,657 6.0 % N/A N/A Tier 1 capital (to average assets) 345,466 13.90 % 99,389 4.0 % N/A N/A PCB Bank Common tier 1 capital (to risk-weighted assets) $ 338,319 16.03 % $ 94,990 4.5 % $ 137,208 6.5 % Total capital (to risk-weighted assets) 364,559 17.27 % 168,871 8.0 % 211,089 10.0 % Tier 1 capital (to risk-weighted assets) 338,319 16.03 % 126,653 6.0 % 168,871 8.0 % Tier 1 capital (to average assets) 338,319 13.62 % 99,387 4.0 % 124,233 5.0 % December 31, 2022 PCB Bancorp Common tier 1 capital (to risk-weighted assets) $ 276,360 13.29 % $ 93,554 4.5 % N/A N/A Total capital (to risk-weighted assets) 370,742 17.83 % 166,319 8.0 % N/A N/A Tier 1 capital (to risk-weighted assets) 345,501 16.62 % 124,739 6.0 % N/A N/A Tier 1 capital (to average assets) 345,501 14.33 % 96,472 4.0 % N/A N/A PCB Bank Common tier 1 capital (to risk-weighted assets) $ 338,891 16.30 % $ 93,553 4.5 % $ 135,131 6.5 % Total capital (to risk-weighted assets) 364,132 17.52 % 166,316 8.0 % 207,895 10.0 % Tier 1 capital (to risk-weighted assets) 338,891 16.30 % 124,737 6.0 % 166,316 8.0 % Tier 1 capital (to average assets) 338,891 14.05 % 96,469 4.0 % 120,586 5.0 % The California Financial Code provides that a bank may not make a cash distribution to its shareholders in excess of the lesser of the bank’s undivided profits or the bank’s net income for its last three fiscal years less the amount of any distribution made to the bank’s shareholder during the same period. As a California corporation, the Company is subject to the limitations of California law, which allows a corporation to distribute cash or property to shareholders, including a dividend or repurchase or redemption of shares, if the corporation meets either a retained earnings test or a balance sheet test. Under the retained earnings test, the Company may make a distribution from retained earnings to the extent that its retained earnings exceed the sum of (a) the amount of the distribution plus (b) the amount, if any, of dividends in arrears on shares with preferential dividend rights. Under the balance sheet test, the Company may also make a distribution if, immediately after the distribution, the value of its assets equals or exceeds the sum of (a) its total liabilities plus (b) the liquidation preference of any shares which have a preference upon dissolution over the rights of shareholders receiving the distribution. Indebtedness is not considered a liability if the terms of such indebtedness provide that payment of principal and interest thereon are to be made only if, and to the extent that, a distribution to shareholders could be made under the balance sheet test.

Revenue Recognition

Revenue Recognition	3 Months Ended
	Mar. 31, 2023
Revenue from Contract with Customer [Abstract]
Revenue Recognition	Revenue Recognition The following table presents revenue from contracts with customers within the scope of ASC 606, Revenue from Contracts with Customers, for the periods indicated: Three Months Ended March 31, ($ in thousands) 2023 2022 Noninterest income in-scope of Topic 606 Service charges and fees on deposits: Monthly service fees $ 26 $ 21 Account analysis fees 225 215 Non-sufficient funds charges 72 47 Other deposit related fees 21 20 Total service charges and fees on deposits 344 303 Debit card fees 73 84 Gain (loss) on sale of other real estate owned — — Wire transfer fees 144 159 Other service charges 48 45 Total $ 609 $ 591

Subsequent Events

Subsequent Events	3 Months Ended
	Mar. 31, 2023
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events Dividend Declared on Common Stock On April 27, 2023, the Company’s Board of Directors declared a quarterly cash dividend of $0.18 per common share. The dividend will be paid on or about May 19, 2023, to shareholders of record as of the close of business on May 12, 2023.

Basis of Presentation and Sig_2

Basis of Presentation and Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Basis of Presentation The accompanying unaudited interim consolidated financial statements have been prepared pursuant to Article 10 of SEC Regulation S-X and other SEC rules and regulations for reporting on the Quarterly Report on Form 10-Q. Accordingly, certain disclosures required by U.S. generally accepted accounting principles (“GAAP”) are not included herein. These interim statements should be read in conjunction with the audited consolidated financial statements and notes included in the Annual Report on Form 10-K for the year ended December 31, 2022 filed by the Company with the SEC. The December 31, 2022 balance sheet presented herein has been derived from the audited financial statements included in the Annual Report on Form 10-K for the year ended December 31, 2022 filed with the SEC, but does not include all of the disclosures required by GAAP for complete financial statements. In the opinion of management of the Company, the accompanying unaudited interim consolidated financial statements reflect all of the adjustments (consisting of normal recurring adjustments) necessary for a fair presentation of the consolidated financial condition and consolidated results of operations as of the dates and for the periods presented. Certain reclassifications have been made in the prior period financial statements to conform to the current period presentation. The results of operations for the three months ended March 31, 2023 are not necessarily indicative of the results that may be expected for the year ending December 31, 2023.
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of PCB Bancorp and its wholly owned subsidiary as of March 31, 2023 and December 31, 2022, and for the three months ended March 31, 2023 and 2022. Significant inter-company accounts and transactions have been eliminated in consolidation. Unless the context requires otherwise, all references to the Company include its wholly owned subsidiary.
Use of Estimates in the Preparation of Financial Statements	Use of Estimates in the Preparation of Financial Statements The preparation of the consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the consolidated financial statements, and the reported amounts of revenues and expenses during the reporting period. These estimates are subject to change and such change could have a material effect on the consolidated financial statements. Actual results may differ from those estimates.
Adopted Accounting Pronouncements and Recent Accounting Pronouncements Not Yet Adopted	Adopted Accounting Pronouncements During the three months ended March 31, 2023, the Company adopted following accounting pronouncements. In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, “Financial Instruments-Credit Losses (Topic 326).” The amendments in this ASU require that entities change the impairment model for most financial assets that are measured at amortized cost and certain other instruments from an incurred loss model to an expected loss model. Under this model, entities will estimate credit losses over the entire contractual term of the instrument from the date of initial recognition of that instrument. It includes financial assets such as loan receivables, held-to-maturity debt securities, net investment in leases that are not accounted for at fair value through net income, and certain off-balance sheet credit exposures. This ASU was effective for public business entities that are SEC filers for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. In 2019, the FASB amended this ASU, which delays the effective date to 2023 for certain SEC filers that are Smaller Reporting Companies, which would apply to the Company. On January 1, 2023, the Company adopted the provisions of ASC 326 through the application of the modified retrospective transition approach, and recorded a net decrease of $1.9 million to the beginning balance of retained earnings as of January 1, 2023 for the cumulative effect adjustment, reflecting an initial adjustment to the allowance for credit losses (“ACL”) on loans of $1.1 million and the ACL on off-balance sheet credit exposures of $1.6 million, net of related deferred tax assets arising from temporary differences of $788 thousand. The initial adjustment to the ACL is reflective of expected lifetime credit losses associated with the composition of financial assets within in the scope of ASC 326 as of January 1, 2023, as well as management’s current expectation of future economic conditions. The following table summarizes the initial adjustment to the ACL as of January 1, 2023: ($ in thousands) Pre-ASC 326 Adoption Impact of ASC 326 Adoption As Reported Under ASC 326 Assets ACL on loans Commercial real estate $ 15,536 $ (610) $ 14,926 Commercial and industrial 5,502 4,344 9,846 Consumer 3,904 (2,667) 1,237 Total ACL on loans 24,942 1,067 26,009 Deferred tax assets 3,115 788 3,903 Liabilities ACL on off-balance sheet credit exposures $ 299 $ 1,607 1,906 Shareholders’ equity Retained earnings $ 127,181 $ (1,886) 125,295 In conjunction with the adoption of ASC 326, the Company made an accounting policy election not to measure an ACL on accrued interest receivables for the loans collectively evaluated. For the loans individually evaluated, the Company considers accrued interest receivables as a part of the amortized cost and measures an ACL. When accrued interest receivable is deemed to be uncollectable, the Company promptly reverses such balances through current period interest income in the period they are deemed uncollectable. Additionally, the Company has also elected not to include the balance of accrued interest receivable in the amortized cost basis of financial assets within the scope of ASC 326. Accrued interest receivable will continue to be presented separately in the Consolidated Balance Sheets. ACL on securities available-for-sale The Company reviewed securities available-for-sale that were in an unrealized loss position as of January 1, 2023 and determined the decline in fair value for those securities was not related to credit, but rather related to changes in interest rates and general market conditions. Additionally, there were no investment securities with previously recorded other-than-temporary impairment (“OTTI”) as of January 1, 2023. As such, no ACL was recorded for securities available-for-sale as of January 1, 2023. ACL on loans The measurement of the ACL on loans is performed by collectively evaluating loans with similar risk characteristics using a discounted cash flow approach. The discounted cash flow methodology incorporates a probability of default (“PD”) and loss given default (“LGD”) model, as well as reasonable and supportable forecasts, and generates an estimate of the contractual cash flows that are not expected to be collected over the life of the loan. PD and LGD are forecasted over a one-year time horizon using economic forecast scenarios, which the Company believes is a reasonable and supportable period. Beyond the one-year forecast time horizon, the Company’s ACL model reverts to historical long-term average loss rates over one-year period. The use of reasonable and supportable forecasts requires significant judgment, such as selecting forecast scenarios, as well as determining the appropriate length of the forecast horizon. Management utilizes the economic forecasts provided by the Federal Open Market Committee (“FOMC”) to forecast the first 4 quarters of the credit loss estimate. The FOMC projects national unemployment rate and the projected change in the year-over-year national gross domestic product (“GDP”) growth rates over the forward-looking 4 quarters are used in determining the PD rates over the forecasted periods. A portion of the collectively-evaluated ACL on loans also includes qualitative adjustments for risk factors not reflected or captured by the quantitative modeled ACL but are relevant in estimating future expected credit losses. Qualitative adjustments may be related to and include, but not limited to factors such as: (i) management’s assessment of economic forecasts used in the model and how those forecasts align with management’s overall evaluation of current and expected economic conditions, (ii) organization-specific risks such as credit concentrations, collateral specific risks, regulatory risks, and external factors that may ultimately impact credit quality, (iii) potential model limitations such as limitations identified through back-testing, and other limitations associated with factors such as underwriting changes, acquisition of new portfolios and changes in portfolio segmentation, and (iv) management’s overall assessment of the adequacy of the ACL, including an assessment of ACL model data inputs. Problem loans are typically substandard or have a worse internal risk grade, and may consist of loans on nonaccrual status where the likelihood of foreclosure on underlying collateral has increased, collateral dependent loans and other loans where concern or doubt over the ultimate collectability of all contractual amounts due has become elevated. These problem loans, in the opinion of management, no longer possess risk characteristics similar to other loans in the loan segment, and as such may require individual evaluation for appropriate ACL for the loan. Performing loans individually evaluated, the Company measures the expected credit loss for the loan based on a discounted cash flow approach or fair value of collateral, less costs to sell. Collateral dependent loans are loans to borrowers with financial difficulty where the repayment of the loan is expected from the operation of and/or eventual liquidation of the underlying collateral. As a part of the adoption of ASC 326, the Company reviewed and revised certain loan segments for the Company’s ACL model. Before the adoption of ASC 326, commercial property and SBA property loans were separately presented and represented 63.0% and 6.6% of loans held-for-investment at December 31, 2022, respectively. The Company re-divided these loan segments into commercial property, business property and multifamily loans, as described below, as these new loan segments are determined to share similar characteristics under the Company’s ACL model. In addition, four loan segments before the adoption of ASC 326 (commercial term loans, commercial lines of credit, SBA term loans and SBA PPP loans), which represented 12.2% of loans held-for-investment at December 31, 2022, are combined into a single loan segment, commercial and industrial (“C&I”) loans, as these loans are determined to share similar risk characteristics under the Company’s ACL model. However, loan related disclosures for prior periods continue to be presented under the legacy loan segments in this Quarterly Report on Form 10-Q. Each loan segment bears varying degrees of risk based on, among other things, the type of loan and collateral, and the sensitivity of the borrower or industry to changes in external factors such as economic conditions and interest rate changes. The loan segments are as following: Commercial Real Estate (“CRE”) Loans: • Commercial property loans – Commercial property loans include loans for which the Company holds real property as collateral, but where the borrower does not occupy the underlying property. The primary risks associated with investor property loans include the borrower’s inability to pay, material decreases in the value of the real estate that is being held as collateral, significant increases in interest rates, changes in market rents, and vacancy and conditions of the underlying property, any of which may make the real estate property unprofitable to the borrower. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. • Business property loans – Business property loans include loans for which the Company holds real property as collateral and where the underlying property is occupied by the borrower, such as with a place of business. These loans are primarily underwritten based on the cash flows of the business and secondarily on the real estate. The primary risks associated with business property loans include the borrower’s inability to pay, material decreases in the value of the real estate that is being held as collateral, and significant increases in interest rates, which reduce the cash flows of the underlying business. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. • Multifamily loans: Multifamily loans are secured by multi-tenant (5 or more units) residential real properties. Payments on multifamily loans are dependent on the successful operation or management of the properties, and repayment of these loans may be subject to adverse conditions in the real estate market or the economy. • Construction loans: Construction loans are considered to have higher risks due to construction completion and timing risk, and the ultimate repayment being sensitive to interest rate changes, government regulation of real property, and the availability of long-term financing. Additionally, economic conditions may impact the Company’s ability to recover its investment in construction loans, as adverse economic conditions may negatively impact the real estate market, which could affect the borrower’s ability to complete and sell the project. The fair value of the underlying collateral may fluctuate as market conditions change. The primary risks include the borrower’s inability to pay and the inability of the Company to recover its investment due to a decline in the fair value of the underlying collateral. Commercial and Industrial Loans: • Commercial and industrial loans – The C&I loan category includes commercial term loans and commercial lines of credit. Commercial term loans are typically extended to finance business acquisitions, permanent working capital needs, and/or equipment purchases. Commercial lines of credit are generally provided to finance short-term working capital needs and mortgage warehouse lending credit facilities. Mortgage warehouse lending is a line of credit given to a loan originator, the funds from which are used to finance a mortgage that a borrower uses to purchase single-family residential property or refinance an existing mortgage. The primary risk associated with C&I loans is the difference between expected and actual cash flows of the borrowers. In addition, the recoverability of the Company’s investment in these loans is also dependent on other factors primarily dictated by the type of collateral securing these loans, and occasionally upon other borrower assets and guarantor assets. Consumer Loans • Residential mortgage loans – The primary risks of residential mortgage loans include the borrower’s inability to pay, material decreases in the value of the real estate that is being held as collateral, and significant increases in interest rates, which may reduce the borrower’s capacity to pay. • Other consumer loans – Other consumer loans primarily include automobile loans, as well as unsecured lines of credit and term loans to high net worth individuals. Automobile loans have relatively lower LTV ratios on average and carry higher interest rates to offset for the inherently higher default risks. Unsecured lines of credit and term consumer loans are underwritten primarily based on the individual borrower’s income, current debt level, and past credit history. Repayment of these loans is dependent on the borrower’s ability to pay, and the fair value of the underlying collateral for automobile loans. The following table presents a summary of reclassification of loans held-for-investment as the date indicated: ($ in thousands) December 31, 2022 Reclassification January 1, 2023 Commercial property (1) $ 1,288,392 $ (1,288,392) $ — SBA property 134,892 (134,892) — Commercial property N/A 772,020 772,020 Business property N/A 526,513 526,513 Multifamily N/A 124,751 124,751 Total Reclassed: 1,423,284 — 1,423,284 Construction 17,054 — 17,054 Commercial and industrial 249,250 — 249,250 Residential property 333,726 — 333,726 Other consumer 22,749 — 22,749 Total loans held-for-investment $ 2,046,063 $ — $ 2,046,063 (1) Commercial property loans under the legacy loan segments included all commercial property, business property and multifamily loans under the new loan segments. The following table presents a summary of reclassification of ACL on loans as the date indicated as well as the initial adjustment to the ACL as of January 1, 2023 : ($ in thousands) December 31, 2022 Reclassification January 1, 2023 Impact of ASC 326 Adoption As Reported Under ASC 326 Commercial property (1) $ 14,059 $ (14,059) $ — $ — $ — SBA property 1,326 (1,326) — — — Commercial property N/A 8,502 8,502 (1,762) 6,740 Business property N/A 5,749 5,749 896 6,645 Multifamily N/A 1,134 1,134 256 1,390 Total Reclassed: 15,385 — 15,385 (610) 14,775 Construction 151 — 151 — 151 Commercial and industrial 5,502 — 5,502 4,344 9,846 Residential property 3,691 — 3,691 (2,534) 1,157 Other consumer 213 — 213 (133) 80 Total ACL $ 24,942 $ — $ 24,942 $ 1,067 $ 26,009 (1) Commercial property loans under the legacy loan segments included all commercial property, business property and multifamily loans under the new loan segments. Allowance for Credit Losses for Off-Balance Sheet Credit Exposures The Company applies an expected credit loss estimation methodology applied to each respective loan segment for determining the ACL for off-balance sheet credit exposures. These assumptions are based on the Company’s own historical internal loan data. In March 2022, the FASB issued ASU 2022-02, “Financial Instruments-Credit Losses (Topic 326) - Troubled Debt Restructuring and Vintage Disclosures.” The amendments in this ASU eliminates the accounting guidance for TDRs by creditors in ASC 310-40, “ Receivables - Troubled Debt Restructurings by Creditors, ” while enhancing disclosure requirements for restructurings involving borrowers that are experiencing financial difficulty. This Update also requires public business entities to disclose current-period gross write-offs by year of origination for financing receivables and net investments in leases. The Company adopted this ASU as of January 1, 2023, in conjunction with the adoption of ASU 2016-13. The Company did not have a material impact on its consolidated financial statements upon adoption of this ASU. Recent Accounting Pronouncements Not Yet Adopted There were no significant accounting pronouncements applicable to the Company that have not yet been adopted.
Fair Value Measurements	Accounting Standards Codification (“ASC”) 820, Fair Value Measurements and Disclosures, defines fair value, establishes a framework for measuring fair value including a three-level valuation hierarchy, and expands disclosures about fair value measurements. Fair value is the exchange price that would be received for an asset or paid to transfer a liability (i.e. 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. The three-level fair value hierarchy requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The three levels of inputs that may be used to measure fair value are defined as follows: • Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. • Level 2: Significant observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. • Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. Fair value is measured on a recurring basis for certain assets and liabilities in which fair value is the primary basis of accounting. Additionally, fair value is used on a non-recurring basis to evaluate certain assets or liabilities for impairment or for disclosure purposes. Categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. The Company records securities available-for-sale at fair value on a recurring basis. Certain other assets, such as loans held-for-sale, impaired loans, servicing assets and other real estate owned (“OREO”) are recorded at fair value on a non-recurring basis. Non-recurring fair value measurements typically involve assets that are periodically evaluated for impairment and for which any impairment is recorded in the period in which the re-measurement is performed. The following is a description of valuation methodologies used for assets and liabilities recorded at fair value: Investment securities : The fair values of securities available-for-sale are determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1) or matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2). Management reviews the valuation techniques and assumptions used by the provider and determines that the provider uses widely accepted valuation techniques based on observable market inputs appropriate for the type of security being measured. Securities held-to-maturity are not measured at fair value on a recurring basis. Loans held-for-sale : The Company records SBA loans held-for-sale, residential property loans held-for-sale and certain non-residential real estate loans held-for-sale at the lower of cost or fair value, on an aggregate basis. The Company obtains fair values from a third party independent valuation service provider. Loans held-for-sale accounted for at the lower of cost or fair value are considered to be recognized at fair value when they are recorded at below cost, on an aggregate basis, and are classified as Level 2. Loans individually evaluated : Certain collateral-dependent loans individually evaluated are recognized at fair value when they reflect partial write-downs, through charge-offs or specific reserve allowances, that are based on the current appraised or market-quoted value of the underlying collateral. In some cases, the properties for which market quotes or appraised values have been obtained are located in areas where comparable sales data is limited, outdated, or unavailable. Fair value estimates for collateral-dependent loans individually evaluated are obtained from real estate brokers or other third-party consultants, and are classified as Level 3. Other real estate owned : The Company initially records OREO at fair value at the time of foreclosure. Thereafter, OREO is recorded at the lower of cost or fair value based on their subsequent changes in fair value. The fair value of OREO is generally based on recent real estate appraisals adjusted for estimated selling costs. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available. Such adjustments may be significant and result in a Level 3 classification due to the unobservable inputs used for determining fair value. Only OREO with a valuation allowance are considered to be carried at fair value. Servicing Assets: Servicing assets represent the value associated with servicing loans that have been sold. The fair value for servicing assets is determined through discounted cash flow analysis and utilizes discount rates and prepayment speed assumptions as inputs. All of these assumptions require a significant degree of management estimation and judgment. The fair market valuation is performed on a quarterly basis for servicing assets. Servicing assets are accounted for at the lower of cost or market value and considered to be recognized at fair value when they are recorded at below cost and are classified as Level 3.

Basis of Presentation and Sig_3

Basis of Presentation and Significant Accounting Policies (Tables)	3 Months Ended
	Mar. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Accounting Standards Update and Change in Accounting Principle	The following table summarizes the initial adjustment to the ACL as of January 1, 2023: ($ in thousands) Pre-ASC 326 Adoption Impact of ASC 326 Adoption As Reported Under ASC 326 Assets ACL on loans Commercial real estate $ 15,536 $ (610) $ 14,926 Commercial and industrial 5,502 4,344 9,846 Consumer 3,904 (2,667) 1,237 Total ACL on loans 24,942 1,067 26,009 Deferred tax assets 3,115 788 3,903 Liabilities ACL on off-balance sheet credit exposures $ 299 $ 1,607 1,906 Shareholders’ equity Retained earnings $ 127,181 $ (1,886) 125,295
Loans Held-For-Investment	The following table presents a summary of reclassification of loans held-for-investment as the date indicated: ($ in thousands) December 31, 2022 Reclassification January 1, 2023 Commercial property (1) $ 1,288,392 $ (1,288,392) $ — SBA property 134,892 (134,892) — Commercial property N/A 772,020 772,020 Business property N/A 526,513 526,513 Multifamily N/A 124,751 124,751 Total Reclassed: 1,423,284 — 1,423,284 Construction 17,054 — 17,054 Commercial and industrial 249,250 — 249,250 Residential property 333,726 — 333,726 Other consumer 22,749 — 22,749 Total loans held-for-investment $ 2,046,063 $ — $ 2,046,063 (1) Commercial property loans under the legacy loan segments included all commercial property, business property and multifamily loans under the new loan segments. The following table presents the composition of the Company’s loans held-for-investment as of the dates indicated. ($ in thousands) March 31, 2023 January 1, 2023 Commercial real estate: Commercial property $ 780,282 $ 772,020 Business property 521,965 526,513 Multifamily 127,012 124,751 Construction 15,930 17,054 Total commercial real estate 1,445,189 1,440,338 Commercial and industrial 267,674 249,250 Consumer: Residential mortgage 356,967 333,726 Other consumer 22,612 22,749 Total consumer 379,579 356,475 Loans held-for-investment 2,092,442 2,046,063 Allowance for credit losses on loans (24,694) (26,009) Net loans held-for-investment $ 2,067,748 $ 2,020,054 The following table presents the composition of the Company’s loans held-for-investment by legacy loan segments as of the date indicated: ($ in thousands) December 31, 2022 Real estate loans: Commercial property $ 1,288,392 Residential property 333,726 SBA property 134,892 Construction 17,054 Total real estate loans 1,774,064 Commercial and industrial loans: Commercial term 77,700 Commercial lines of credit 154,142 SBA commercial term 16,211 SBA PPP 1,197 Total commercial and industrial loans 249,250 Other consumer loans 22,749 Loans held-for-investment 2,046,063 Allowance for loan losses (24,942) Net loans held-for-investment $ 2,021,121
Allowance for Loan Losses	The following table presents a summary of reclassification of ACL on loans as the date indicated as well as the initial adjustment to the ACL as of January 1, 2023 : ($ in thousands) December 31, 2022 Reclassification January 1, 2023 Impact of ASC 326 Adoption As Reported Under ASC 326 Commercial property (1) $ 14,059 $ (14,059) $ — $ — $ — SBA property 1,326 (1,326) — — — Commercial property N/A 8,502 8,502 (1,762) 6,740 Business property N/A 5,749 5,749 896 6,645 Multifamily N/A 1,134 1,134 256 1,390 Total Reclassed: 15,385 — 15,385 (610) 14,775 Construction 151 — 151 — 151 Commercial and industrial 5,502 — 5,502 4,344 9,846 Residential property 3,691 — 3,691 (2,534) 1,157 Other consumer 213 — 213 (133) 80 Total ACL $ 24,942 $ — $ 24,942 $ 1,067 $ 26,009 (1) Commercial property loans under the legacy loan segments included all commercial property, business property and multifamily loans under the new loan segments. The following table presents a composition of provision (reversal) for credit losses for the periods indicated: ($ in thousands) Three Months Ended March 31, 2023 Reversal for credit losses on loans $ (2,417) Provision (reversal) for credit losses on off-balance sheet credit exposures (1) (361) Total reversal for credit losses $ (2,778) (1) Provision for credit losses on off-balance sheet credit exposures for the three months ended March 31, 2022 was recorded in Other Expense on the Consolidated Statements of Income (Unaudited). The following tables present the activities in ACL on loans for the period indicated: ($ in thousands) Commercial Property Business Property Multifamily Construction Commercial and Industrial Residential Mortgage Other Consumer Total Balance at January 1, 2023 $ 8,502 $ 5,749 $ 1,134 $ 151 $ 5,502 $ 3,691 $ 213 $ 24,942 Impact of ASC 326 adoption (1,762) 896 256 — 4,344 (2,534) (133) 1,067 Charge-offs — — — — — — — — Recoveries — 5 — — 1,085 — 12 1,102 Provision (reversal) for credit losses on loans 1,736 (581) (9) 5 (3,617) 57 (8) (2,417) Balance at March 31, 2023 $ 8,476 $ 6,069 $ 1,381 $ 156 $ 7,314 $ 1,214 $ 84 $ 24,694 The following table presents the activities in allowance for loan losses by legacy loan segments for the period indicated: ($ in thousands) Real Estate Commercial and Industrial Other Consumer Total Balance at January 1, 2022 $ 16,797 $ 5,310 $ 274 $ 22,381 Charge-offs — — (12) (12) Recoveries on loans previously charged off — 5 15 20 Reversal for loan losses (195) (959) (37) (1,191) Balance at March 31, 2022 $ 16,602 $ 4,356 $ 240 $ 21,198 The following tables present the information on allowance for loan losses and recorded investments by legacy loan segments and impairment methodology as of the date indicated: ($ in thousands) Real Estate Commercial and Industrial Consumer Total December 31, 2022 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — Collectively evaluated for impairment 19,227 5,502 213 24,942 Total $ 19,227 $ 5,502 $ 213 $ 24,942 Loans receivable: Individually evaluated for impairment $ 3,889 $ — $ — $ 3,889 Collectively evaluated for impairment 1,770,175 249,250 22,749 2,042,174 Total $ 1,774,064 $ 249,250 $ 22,749 $ 2,046,063

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2023
Fair Value Disclosures [Abstract]
Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis	The following table presents the Company’s assets and liabilities measured at fair value on a recurring basis as of dates indicated: Fair Value Measurement Level ($ in thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs Significant Unobservable Inputs Total March 31, 2023 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ — $ 100,843 $ — $ 100,843 Residential collateralized mortgage obligations — 26,655 — 26,655 SBA loan pool securities — 8,538 — 8,538 Municipal bonds — 4,270 — 4,270 Corporate bonds — 4,359 — 4,359 Total securities available-for-sale — 144,665 — 144,665 Total assets measured at fair value on a recurring basis $ — $ 144,665 $ — $ 144,665 Total liabilities measured at fair value on a recurring basis $ — $ — $ — $ — December 31, 2022 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ — $ 96,900 $ — $ 96,900 Residential collateralized mortgage obligations — 26,956 — 26,956 SBA loan pool securities — 9,298 — 9,298 Municipal bonds — 4,186 — 4,186 Corporate bonds — 4,523 — 4,523 Total securities available-for-sale — 141,863 — 141,863 Total assets measured at fair value on a recurring basis $ — $ 141,863 $ — $ 141,863 Total liabilities measured at fair value on a recurring basis $ — $ — $ — $ —
Schedule of Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis	The following table presents the Company’s assets and liabilities measured at fair value on a non-recurring basis as of dates indicated: Fair Value Measurement Level ($ in thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs Significant Unobservable Inputs Total March 31, 2023 Loans individually evaluated: Business property $ — $ — $ 50 $ 50 Total loans individually evaluated — — 50 50 Total assets measured at fair value on a non-recurring basis $ — $ — $ 50 $ 50 Total liabilities measured at fair value on a non-recurring basis $ — $ — $ — $ — December 31, 2022 Impaired loans: Commercial lines of credit (1) $ — $ — $ 4,000 $ 4,000 Total impaired loans — — 4,000 4,000 Total assets measured at fair value on a non-recurring basis $ — $ — $ 4,000 $ 4,000 Total liabilities measured at fair value on a non-recurring basis $ — $ — $ — $ — (1) Included in loans held-for-sale The following table presents gains or losses, including charge-offs, recoveries, and specific reserves recorded, for assets measured at fair value for the periods indicated: Three Months Ended March 31, ($ in thousands) 2023 2022 Loans individually evaluated: Business property $ (29) $ — Commercial and industrial 1,074 — Net gains recognized $ 1,045 $ —
Quantitative Information About Level 3 Fair Value Measurements	The following table presents quantitative information about level 3 fair value measurements for assets measured at fair value on a non-recurring basis as of the date indicated: ($ in thousands) Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted-Average) March 31, 2023 Loans individually evaluated: Business property $ 50 Fair value of collateral NM NM December 31, 2022 Impaired loans: Commercial lines of credit (1) $ 4,000 Pending Sales Agreement NM NM
Schedule of Carrying Value and Estimated Fair Values of Financial Assets and Liabilities	The following table presents the carrying value and estimated fair values of financial assets and liabilities as of the dates indicated: Carrying Value Fair Value Fair Value Measurements ($ in thousands) Level 1 Level 2 Level 3 March 31, 2023 Financial assets: Interest-bearing deposits in other financial institutions $ 164,718 $ 164,718 $ 164,718 $ — $ — Securities available-for-sale 144,665 144,665 — 144,665 — Loans held-for-sale 14,352 15,425 — 15,425 — Net loans held-for-investment 2,067,748 2,000,393 — — 2,000,393 Federal Home Loan Bank (“FHLB”) and other restricted stock 10,183 N/A N/A N/A N/A Accrued interest receivable 7,998 7,998 269 436 7,293 Financial liabilities: Deposits $ 2,141,689 $ 2,139,042 $ — $ — $ 2,139,042 Accrued interest payable 7,327 7,327 — — 7,327 December 31, 2022 Financial assets: Interest-bearing deposits in other financial institutions $ 123,829 $ 123,829 $ 123,829 $ — $ — Securities available-for-sale 141,863 141,863 — 141,863 — Loans held-for-sale 22,811 23,992 — 23,992 — Net loans held-for-investment 2,021,121 1,970,235 — — 1,970,235 FHLB and other restricted stock 10,183 N/A N/A N/A N/A Accrued interest receivable 7,472 7,472 49 475 6,948 Financial liabilities: Deposits $ 2,045,983 $ 2,041,667 $ — $ — $ 2,041,667 FHLB advances 20,000 20,001 — 20,001 — Accrued interest payable 3,159 3,159 — 5 3,154

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Amortized Cost and Fair Value of Securities Available-For-Sale	The following table presents the amortized cost and fair value of the securities available-for-sale as of the dates indicated: ($ in thousands) Amortized Cost Gross Unrealized Gain Gross Unrealized Loss Fair Value March 31, 2023 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 111,737 $ 72 $ (10,966) $ 100,843 Residential collateralized mortgage obligations 27,863 138 (1,346) 26,655 SBA loan pool securities 8,891 4 (357) 8,538 Municipal bonds 4,261 15 (6) 4,270 Corporate bonds 5,000 — (641) 4,359 Total securities available-for-sale $ 157,752 $ 229 $ (13,316) $ 144,665 December 31, 2022 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 109,497 $ 1 $ (12,598) $ 96,900 Residential collateralized mortgage obligations 28,515 107 (1,666) 26,956 SBA loan pool securities 9,704 8 (414) 9,298 Municipal bonds 4,262 2 (78) 4,186 Corporate bonds 5,000 — (477) 4,523 Total securities available-for-sale $ 156,978 $ 118 $ (15,233) $ 141,863
Investments Classified by Contractual Maturity Date	The following table presents the amortized cost and fair value of the securities available-for-sale by contractual maturity as of the date indicated. Expected maturities may differ from contractual maturities, if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately. March 31, 2023 ($ in thousands) Amortized Cost Fair Value Within one year $ 958 $ 956 One to five years 868 868 Five to ten years 5,081 4,440 Greater than ten years 2,354 2,365 Residential mortgage-backed securities, residential collateralized mortgage obligations and SBA loan pool securities 148,491 136,036 Total $ 157,752 $ 144,665
Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value	The following table summarizes the investment securities with unrealized losses by security type and length of time in a continuous unrealized loss position for which an ACL has not been recorded as of the dates indicated: Length of Time that Individual Securities Have Been In a Continuous Unrealized Loss Position Less Than 12 Months 12 Months or Longer Total ($ in thousands) Fair Value Gross Unrealized Losses Number of Securities Fair Value Gross Unrealized Losses Number of Securities Fair Value Gross Unrealized Losses Number of Securities March 31, 2023 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 25,053 $ (764) 17 $ 66,963 $ (10,202) 99 $ 92,016 $ (10,966) 116 Residential collateralized mortgage obligations 2,211 (43) 4 13,646 (1,303) 33 15,857 (1,346) 37 SBA loan pool securities 3,622 (15) 3 4,024 (342) 11 7,646 (357) 14 Municipal bonds 1,729 (6) 6 — — — 1,729 (6) 6 Corporate bonds — — — 4,359 (641) 1 4,359 (641) 1 Total securities available-for-sale $ 32,615 $ (828) 30 $ 88,992 $ (12,488) 144 $ 121,607 $ (13,316) 174 December 31, 2022 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 55,171 $ (3,721) 83 $ 41,697 $ (8,877) 36 $ 96,868 $ (12,598) 119 Residential collateralized mortgage obligations 12,600 (1,191) 29 2,262 (475) 7 14,862 (1,666) 36 SBA loan pool securities 7,161 (325) 12 821 (89) 2 7,982 (414) 14 Municipal bonds 3,314 (78) 11 — — — 3,314 (78) 11 Corporate bonds 4,523 (477) 1 — — — 4,523 (477) 1 Total securities available-for-sale $ 82,769 $ (5,792) 136 $ 44,780 $ (9,441) 45 $ 127,549 $ (15,233) 181

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses on Loans (Tables)	3 Months Ended
	Mar. 31, 2023
Receivables [Abstract]
Loans Held-For-Investment	The following table presents a summary of reclassification of loans held-for-investment as the date indicated: ($ in thousands) December 31, 2022 Reclassification January 1, 2023 Commercial property (1) $ 1,288,392 $ (1,288,392) $ — SBA property 134,892 (134,892) — Commercial property N/A 772,020 772,020 Business property N/A 526,513 526,513 Multifamily N/A 124,751 124,751 Total Reclassed: 1,423,284 — 1,423,284 Construction 17,054 — 17,054 Commercial and industrial 249,250 — 249,250 Residential property 333,726 — 333,726 Other consumer 22,749 — 22,749 Total loans held-for-investment $ 2,046,063 $ — $ 2,046,063 (1) Commercial property loans under the legacy loan segments included all commercial property, business property and multifamily loans under the new loan segments. The following table presents the composition of the Company’s loans held-for-investment as of the dates indicated. ($ in thousands) March 31, 2023 January 1, 2023 Commercial real estate: Commercial property $ 780,282 $ 772,020 Business property 521,965 526,513 Multifamily 127,012 124,751 Construction 15,930 17,054 Total commercial real estate 1,445,189 1,440,338 Commercial and industrial 267,674 249,250 Consumer: Residential mortgage 356,967 333,726 Other consumer 22,612 22,749 Total consumer 379,579 356,475 Loans held-for-investment 2,092,442 2,046,063 Allowance for credit losses on loans (24,694) (26,009) Net loans held-for-investment $ 2,067,748 $ 2,020,054 The following table presents the composition of the Company’s loans held-for-investment by legacy loan segments as of the date indicated: ($ in thousands) December 31, 2022 Real estate loans: Commercial property $ 1,288,392 Residential property 333,726 SBA property 134,892 Construction 17,054 Total real estate loans 1,774,064 Commercial and industrial loans: Commercial term 77,700 Commercial lines of credit 154,142 SBA commercial term 16,211 SBA PPP 1,197 Total commercial and industrial loans 249,250 Other consumer loans 22,749 Loans held-for-investment 2,046,063 Allowance for loan losses (24,942) Net loans held-for-investment $ 2,021,121
Allowance for Credit Losses on Loans	The following table presents a summary of reclassification of ACL on loans as the date indicated as well as the initial adjustment to the ACL as of January 1, 2023 : ($ in thousands) December 31, 2022 Reclassification January 1, 2023 Impact of ASC 326 Adoption As Reported Under ASC 326 Commercial property (1) $ 14,059 $ (14,059) $ — $ — $ — SBA property 1,326 (1,326) — — — Commercial property N/A 8,502 8,502 (1,762) 6,740 Business property N/A 5,749 5,749 896 6,645 Multifamily N/A 1,134 1,134 256 1,390 Total Reclassed: 15,385 — 15,385 (610) 14,775 Construction 151 — 151 — 151 Commercial and industrial 5,502 — 5,502 4,344 9,846 Residential property 3,691 — 3,691 (2,534) 1,157 Other consumer 213 — 213 (133) 80 Total ACL $ 24,942 $ — $ 24,942 $ 1,067 $ 26,009 (1) Commercial property loans under the legacy loan segments included all commercial property, business property and multifamily loans under the new loan segments. The following table presents a composition of provision (reversal) for credit losses for the periods indicated: ($ in thousands) Three Months Ended March 31, 2023 Reversal for credit losses on loans $ (2,417) Provision (reversal) for credit losses on off-balance sheet credit exposures (1) (361) Total reversal for credit losses $ (2,778) (1) Provision for credit losses on off-balance sheet credit exposures for the three months ended March 31, 2022 was recorded in Other Expense on the Consolidated Statements of Income (Unaudited). The following tables present the activities in ACL on loans for the period indicated: ($ in thousands) Commercial Property Business Property Multifamily Construction Commercial and Industrial Residential Mortgage Other Consumer Total Balance at January 1, 2023 $ 8,502 $ 5,749 $ 1,134 $ 151 $ 5,502 $ 3,691 $ 213 $ 24,942 Impact of ASC 326 adoption (1,762) 896 256 — 4,344 (2,534) (133) 1,067 Charge-offs — — — — — — — — Recoveries — 5 — — 1,085 — 12 1,102 Provision (reversal) for credit losses on loans 1,736 (581) (9) 5 (3,617) 57 (8) (2,417) Balance at March 31, 2023 $ 8,476 $ 6,069 $ 1,381 $ 156 $ 7,314 $ 1,214 $ 84 $ 24,694 The following table presents the activities in allowance for loan losses by legacy loan segments for the period indicated: ($ in thousands) Real Estate Commercial and Industrial Other Consumer Total Balance at January 1, 2022 $ 16,797 $ 5,310 $ 274 $ 22,381 Charge-offs — — (12) (12) Recoveries on loans previously charged off — 5 15 20 Reversal for loan losses (195) (959) (37) (1,191) Balance at March 31, 2022 $ 16,602 $ 4,356 $ 240 $ 21,198 The following tables present the information on allowance for loan losses and recorded investments by legacy loan segments and impairment methodology as of the date indicated: ($ in thousands) Real Estate Commercial and Industrial Consumer Total December 31, 2022 Allowance for loan losses: Individually evaluated for impairment $ — $ — $ — $ — Collectively evaluated for impairment 19,227 5,502 213 24,942 Total $ 19,227 $ 5,502 $ 213 $ 24,942 Loans receivable: Individually evaluated for impairment $ 3,889 $ — $ — $ 3,889 Collectively evaluated for impairment 1,770,175 249,250 22,749 2,042,174 Total $ 1,774,064 $ 249,250 $ 22,749 $ 2,046,063
Summary of Credit Quality Indicators	The following table summarize the Company’s loans held-for-investment by loan segment, internal risk ratings and vintage year as of March 31,2023 and gross write offs for the three months ended March 31, 2023. The vintage year is the year of origination, renewal or major modification. Revolving loans that are converted to term loans presented in the table below are excluded from term loans by vintage year columns. Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term ($ in thousands) 2023 2022 2021 2020 2019 Prior Total March 31, 2023 Commercial Real Estate: Commercial property Pass $ 31,346 $ 278,467 $ 164,887 $ 87,488 $ 82,571 $ 129,233 $ 934 $ — $ 774,926 Special mention — — 493 — — 2,996 — — 3,489 Substandard — — — — 316 1,551 — — 1,867 Doubtful — — — — — — — — — Total $ 31,346 $ 278,467 $ 165,380 $ 87,488 $ 82,887 $ 133,780 $ 934 $ — $ 780,282 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Business property Pass $ 18,532 $ 109,693 $ 182,537 $ 52,538 $ 73,046 $ 75,492 $ 2,555 $ 4,411 $ 518,804 Special mention — — — — — — — — — Substandard — — 192 — 2,337 632 — — 3,161 Doubtful — — — — — — — — — Total $ 18,532 $ 109,693 $ 182,729 $ 52,538 $ 75,383 $ 76,124 $ 2,555 $ 4,411 $ 521,965 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Multifamily Pass $ 2,968 $ 41,146 $ 43,971 $ 26,996 $ 2,457 $ 9,474 $ — $ — $ 127,012 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ 2,968 $ 41,146 $ 43,971 $ 26,996 $ 2,457 $ 9,474 $ — $ — $ 127,012 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Construction Pass $ — $ 6,259 $ — $ 6,503 $ 3,168 $ — $ — $ — $ 15,930 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ — $ 6,259 $ — $ 6,503 $ 3,168 $ — $ — $ — $ 15,930 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term ($ in thousands) 2023 2022 2021 2020 2019 Prior Total March 31, 2023 (Continued) Commercial and Industrial Pass $ 19,570 $ 34,078 $ 14,410 $ 7,984 $ 8,565 $ 18,020 $ 156,369 $ 5,653 $ 264,649 Special mention — — — 380 399 259 1,000 — 2,038 Substandard — — — — 87 900 — — 987 Doubtful — — — — — — — — — Total $ 19,570 $ 34,078 $ 14,410 $ 8,364 $ 9,051 $ 19,179 $ 157,369 $ 5,653 $ 267,674 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Consumer Residential mortgage Pass $ 30,268 $ 171,982 $ 80,512 $ 11,931 $ 11,520 $ 50,754 $ — $ — $ 356,967 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ 30,268 $ 171,982 $ 80,512 $ 11,931 $ 11,520 $ 50,754 $ — $ — $ 356,967 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Other consumer Pass $ 2,497 $ 10,058 $ 4,716 $ 2,444 $ 1,244 $ 176 $ 1,432 $ — $ 22,567 Special mention — — — — — — — — — Substandard — 33 — 10 2 — — — 45 Doubtful — — — — — — — — — Total $ 2,497 $ 10,091 $ 4,716 $ 2,454 $ 1,246 $ 176 $ 1,432 $ — $ 22,612 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Total loans held-for-investment Pass $ 105,181 $ 651,683 $ 491,033 $ 195,884 $ 182,571 $ 283,149 $ 161,290 $ 10,064 $ 2,080,855 Special mention — — 493 380 399 3,255 1,000 — 5,527 Substandard — 33 192 10 2,742 3,083 — — 6,060 Doubtful — — — — — — — — — Total $ 105,181 $ 651,716 $ 491,718 $ 196,274 $ 185,712 $ 289,487 $ 162,290 $ 10,064 $ 2,092,442 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — The following table presents the risk categories for loans held-for-investment by legacy loan segments as of the date indicated: ($ in thousands) Pass Special Mention Substandard Doubtful Total December 31, 2022 Real estate loans: Commercial property $ 1,282,044 $ 3,264 $ 3,084 $ — $ 1,288,392 Residential property 333,354 — 372 — 333,726 SBA property 132,910 245 1,737 — 134,892 Construction 17,054 — — — 17,054 Commercial and industrial loans: Commercial term 75,473 1,248 979 — 77,700 Commercial lines of credit 152,042 2,100 — — 154,142 SBA commercial term 16,175 — 36 — 16,211 SBA PPP 1,197 — — — 1,197 Other consumer loans 22,746 — 3 — 22,749 Total $ 2,032,995 $ 6,857 $ 6,211 $ — $ 2,046,063
Nonaccrual Loans	The following table presents the loans on nonaccrual status by loan segments as of the date indicated: ($ in thousands) Total Nonaccrual Loans Nonaccrual Loans with ACL ACL on Nonaccrual Loans Collateral Dependent Nonaccrual Loans ACL on Collateral Dependent Nonaccrual Loans March 31, 2023 Commercial real estate: Business property $ 2,904 $ 50 $ 29 $ 2,904 $ 29 Total commercial real estate 2,904 50 29 2,904 29 Commercial and industrial 11 — — 11 — Consumer: Other consumer 45 — — — — Total consumer 45 — — — — Total $ 2,960 $ 50 $ 29 $ 2,915 $ 29
Collateral Dependent Loans	The following table presents the collateral dependent loans by loan segments as of the date indicated: ($ in thousands) Warehouse School Retail Single Family Residential Total March 31, 2023 Commercial real estate: Business property $ 2,337 $ 517 $ 50 $ — $ 2,904 Total commercial real estate 2,337 517 50 — 2,904 Commercial and industrial — — — 11 11 Total $ 2,337 $ 517 $ 50 $ 11 $ 2,915
Past Due Loans	The following table presents the aging of past due in accruing loans and nonaccrual loans by loan segments as of date indicated: Still Accruing Nonaccrual ($ in thousands) 30 to 59 Days Past Due 60 to 89 Days Past Due 90 or More Days Past Due Total 30 to 59 Days Past Due 60 to 89 Days Past Due 90 or More Days Past Due Total Total Loans Past Due March 31, 2023 Commercial real estate: Commercial property $ 706 $ — $ — $ 706 $ — $ — $ — $ — $ 706 Business property 39 — — 39 — — 51 51 90 Total commercial real estate 745 — — 745 — — 51 51 796 Consumer: Other consumer 34 13 — 47 33 — — 33 80 Total consumer 34 13 — 47 33 — — 33 80 Total $ 779 $ 13 $ — $ 792 $ 33 $ — $ 51 $ 84 $ 876 The following table presents the aging of past due recorded investment in accruing loans and nonaccrual loans by legacy loan segments as of the date indicated: Still Accruing ($ in thousands) 30 to 59 Days Past Due 60 to 89 Days Past Due 90 or More Days Past Due Nonaccrual Total Past Due and Nonaccrual December 31, 2022 Real estate loans: Commercial property $ — $ — $ — $ 2,400 $ 2,400 Residential property — — — 372 372 SBA property — — — 585 585 Other consumer loans 47 87 — 3 137 Total $ 47 $ 87 $ — $ 3,360 $ 3,494
Loan Modifications	The following table presents the loans that were both experiencing financial difficulty and modified during the three months ended March 31, 2023 by loan segments and modification type. ($ in thousands) Interest Only Total Percentage to Each Loan Segment Commercial and industrial $ 11 $ 11 0.1 % Total $ 11 $ 11 0.1 %
Loans Held-for-Investment	The following table presents a summary of purchases of loans held-for-investment for the period indicated: ($ in thousands) Three Months Ended March 31, 2023 Consumer: Residential mortgage $ 15,741 Total consumer 15,741 Total $ 15,741
Loans Held-for-Sale	The following table presents a composition of loans held-for-sale as of the date indicated: ($ in thousands) March 31, 2023 Commercial real estate: Commercial property $ 3,494 Business property 9,425 Total commercial real estate 12,919 Commercial and industrial 1,433 Total $ 14,352 The following table presents a composition of loans held-for-sale as of the date indicated: ($ in thousands) December 31, 2022 Real estate loans: SBA property $ 16,473 Commercial and industrial loans: Commercial lines of credit 4,000 SBA commercial term 2,338 Total $ 22,811
Impaired Loans	The following table presents loans individually evaluated for impairment by legacy loan segments as of the date indicated. The recorded investment presents customer balances net of any partial charge-offs recognized on the loans and net of any deferred fees and costs. With No Allowance Recorded With an Allowance Recorded ($ in thousands) Recorded Investment Unpaid Principal Balance Recorded Investment Unpaid Principal Balance Related Allowance December 31, 2022 Real estate loans: Commercial property $ 2,721 $ 2,727 $ — $ — $ — Residential property 372 372 — — — SBA property 798 840 — — — Total $ 3,891 $ 3,939 $ — $ — $ — The following table presents information on the recorded investment in impaired loans by legacy loan segments for the period indicated: Three Months Ended March 31, 2022 ($ in thousands) Average Recorded Investment Interest Income Real estate loans: Commercial property $ 325 $ 5 Residential property 461 — SBA property 979 3 Commercial and industrial loans: Commercial term 1 — SBA commercial term 211 — Total $ 1,977 $ 8 The following presents a summary of interest foregone on impaired loans for the period indicated: ($ in thousands) Three Months Ended March 31, 2022 Interest income that would have been recognized had impaired loans performed in accordance with their original terms $ 26 Less: interest income recognized on impaired loans on a cash basis (8) Interest income foregone on impaired loans $ 18

Servicing Assets (Tables)

Servicing Assets (Tables)	3 Months Ended
	Mar. 31, 2023
Transfers and Servicing [Abstract]
Schedule of Servicing Assets with Key Assumptions Used to Estimate Fair Value	The following table presents the composition of servicing assets with key assumptions used to estimate the fair value as of the dates indicated: March 31, 2023 December 31, 2022 ($ in thousands) Residential Mortgage CRE SBA C&I SBA Total Residential Mortgage CRE SBA C&I SBA Total Carrying amount $ 57 $ 6,842 $ 446 $ 7,345 $ 64 $ 6,831 $ 452 $ 7,347 Fair value $ 112 $ 9,143 $ 635 $ 9,890 $ 118 $ 9,090 $ 620 $ 9,828 Discount rate 9.93 % 12.30 % 15.46 % 7.73 % 11.47 % 12.55 % Prepayment speed 14.50 % 14.67 % 15.58 % 17.10 % 14.82 % 18.93 % Weighted-average remaining life 20.6 years 21.3 years 6.8 years 20.8 years 21.4 years 6.7 years Underlying loans being serviced $ 12,016 $ 472,376 $ 56,110 $ 540,502 $ 13,058 $ 461,738 $ 56,299 $ 531,095
Schedule of Servicing Asset	The following table present activity in servicing assets for the periods indicated: Three Months Ended March 31, 2023 2022 ($ in thousands) Residential Mortgage CRE SBA C&I SBA Total Residential Mortgage CRE SBA C&I SBA Total Balance at beginning of period $ 64 $ 6,831 $ 452 $ 7,347 $ 86 $ 6,701 $ 482 $ 7,269 Additions — 376 45 421 — 745 50 795 Amortization (7) (365) (51) (423) (10) (462) (59) (531) Impairment — — — — — — — — Balance at end of period $ 57 $ 6,842 $ 446 $ 7,345 $ 76 $ 6,984 $ 473 $ 7,533

Operating Leases (Tables)

Operating Leases (Tables)	3 Months Ended
	Mar. 31, 2023
Leases [Abstract]
Operating Lease Cost and Supplemental Information	The following table presents operating lease cost and supplemental cash flow information related to leases for the periods indicated: Three Months Ended March 31, ($ in thousands) 2023 2022 Operating lease cost (1) $ 743 $ 665 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 810 $ 719 Right of use assets obtained in exchange for lease obligations $ 195 $ 335 (1) Included in Occupancy and Equipment on the Consolidated Statements of Income (Unaudited). ($ in thousands) March 31, 2023 December 31, 2022 Operating leases: Operating lease assets $ 5,854 $ 6,358 Operating lease liabilities $ 6,238 $ 6,809 Weighted-average remaining lease term 4.3 years 4.3 years Weighted-average discount rate 2.74 % 2.66 %
Maturities of Operating Lease Liabilities	The following table presents maturities of operating lease liabilities as of the date indicated: ($ in thousands) March 31, 2023 Maturities: 2023 $ 1,982 2024 1,374 2025 1,233 2026 870 2027 422 After 2027 845 Total lease payment 6,726 Imputed Interest (488) Present value of operating lease liabilities $ 6,238

Share-Based Compensation (Table

Share-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2023
Share-Based Payment Arrangement [Abstract]
Shared-based Compensation Expense	The following table presents share-based compensation expense and the related tax benefits for the periods indicated: Three Months Ended March 31, ($ in thousands) 2023 2022 Share-based compensation expense related to: Stock options $ 36 $ 47 Restricted stock awards 84 94 Total share-based compensation expense $ 120 $ 141 Related tax benefits $ 25 $ 29 The following table presents unrecognized share-based compensation expense as of the date indicated: March 31, 2023 ($ in thousands) Unrecognized Expense Weighted-Average Remaining Expected Recognition Period Unrecognized share-based compensation expense related to: Stock options $ 281 3.2 years Restricted stock awards 679 2.8 years Total unrecognized share-based compensation expense $ 960 2.9 years
Share-based compensation, Stock Options	The following table represents stock option activity for the periods indicated: Three Months Ended March 31, 2023 ($ in thousands except per share data) Number of Shares Weighted-Average Exercise Price Per Share Weighted-Average Contractual Term Aggregated Intrinsic Value Outstanding at beginning of period 566,637 $ 12.49 4.1 years $ 2,946 Exercised (57,777) $ 7.78 1.3 years Outstanding at end of period 508,860 $ 13.03 4.1 years $ 745 Exercisable at end of period 420,860 $ 11.84 3.3 years $ 1,115 The following table represents information regarding unvested stock options for the periods indicated: Three Months Ended March 31, 2023 Number of Shares Weighted-Average Exercise Price Per Share Outstanding at beginning of period 94,000 $ 18.95 Vested (6,000) $ 22.61 Outstanding at end of period 88,000 $ 18.70
Summary of Nonvested Restricted Stock Awards	The following table represents RSA activity for the periods indicated: Three Months Ended March 31, 2023 Number of Shares Weighted-Average Grant Date Fair Value Per Share Outstanding at beginning of period 62,022 $ 16.59 Vested (16,261) $ 13.93 Outstanding at end of period 45,761 $ 17.53

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2023
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	The following table presents the computations of basic and diluted EPS for the periods indicated: Three Months Ended March 31, ($ in thousands, except per share) 2023 2022 Basic earnings per share: Net income $ 10,297 $ 10,240 Less: income allocated to unvested restricted stock (33) (48) Net income allocated to common stock $ 10,264 $ 10,192 Weighted-average total common shares outstanding 14,465,833 14,918,594 Less: weighted-average unvested restricted stock (46,678) (70,580) Weighted-average common shares outstanding, basic 14,419,155 14,848,014 Basic earnings per share $ 0.71 $ 0.69 Diluted earnings per share: Net income allocated to common stock $ 10,264 $ 10,192 Weighted-average common shares outstanding, basic 14,419,155 14,848,014 Diluted effect of stock options 155,774 293,679 Weighted-average common shares outstanding, diluted 14,574,929 15,141,693 Diluted earnings per share $ 0.70 $ 0.67

Off-Balance Sheet Credit Expo_2

Off-Balance Sheet Credit Exposures, Commitments and Other Contingencies (Tables)	3 Months Ended
	Mar. 31, 2023
Commitments and Contingencies Disclosure [Abstract]
Schedule of Outstanding Financial Commitments	The Company had the following outstanding financial commitments whose contractual amount represents credit risk as of the dates indicated: March 31, 2023 December 31, 2022 ($ in thousands) Fixed Rate Variable Rate Fixed Rate Variable Rate Unused lines of credit $ 2,142 $ 277,223 $ 3,117 $ 251,178 Unfunded loan commitments 399 40,359 692 38,486 Standby letters of credit 3,018 1,901 2,989 1,901 Commercial letters of credit — 481 — 502 Total $ 5,559 $ 319,964 $ 6,798 $ 292,067

Regulatory Matters (Tables)

Regulatory Matters (Tables)	3 Months Ended
	Mar. 31, 2023
Regulated Operations [Abstract]
Schedule of Regulatory Capital Amounts and Ratios	The following table presents the regulatory capital amounts and ratios for the Company and the Bank as of dates indicated: Actual Minimum Capital Requirement To Be Well Capitalized Under Prompt Corrective Provisions ($ in thousands) Amount Ratio Amount Ratio Amount Ratio March 31, 2023 PCB Bancorp Common tier 1 capital (to risk-weighted assets) $ 276,325 13.09 % $ 94,993 4.5 % N/A N/A Total capital (to risk-weighted assets) 371,705 17.61 % 168,876 8.0 % N/A N/A Tier 1 capital (to risk-weighted assets) 345,466 16.37 % 126,657 6.0 % N/A N/A Tier 1 capital (to average assets) 345,466 13.90 % 99,389 4.0 % N/A N/A PCB Bank Common tier 1 capital (to risk-weighted assets) $ 338,319 16.03 % $ 94,990 4.5 % $ 137,208 6.5 % Total capital (to risk-weighted assets) 364,559 17.27 % 168,871 8.0 % 211,089 10.0 % Tier 1 capital (to risk-weighted assets) 338,319 16.03 % 126,653 6.0 % 168,871 8.0 % Tier 1 capital (to average assets) 338,319 13.62 % 99,387 4.0 % 124,233 5.0 % December 31, 2022 PCB Bancorp Common tier 1 capital (to risk-weighted assets) $ 276,360 13.29 % $ 93,554 4.5 % N/A N/A Total capital (to risk-weighted assets) 370,742 17.83 % 166,319 8.0 % N/A N/A Tier 1 capital (to risk-weighted assets) 345,501 16.62 % 124,739 6.0 % N/A N/A Tier 1 capital (to average assets) 345,501 14.33 % 96,472 4.0 % N/A N/A PCB Bank Common tier 1 capital (to risk-weighted assets) $ 338,891 16.30 % $ 93,553 4.5 % $ 135,131 6.5 % Total capital (to risk-weighted assets) 364,132 17.52 % 166,316 8.0 % 207,895 10.0 % Tier 1 capital (to risk-weighted assets) 338,891 16.30 % 124,737 6.0 % 166,316 8.0 % Tier 1 capital (to average assets) 338,891 14.05 % 96,469 4.0 % 120,586 5.0 %

Revenue Recognition (Tables)

Revenue Recognition (Tables)	3 Months Ended
	Mar. 31, 2023
Revenue from Contract with Customer [Abstract]
Schedule of Revenue from Contracts with Customers	The following table presents revenue from contracts with customers within the scope of ASC 606, Revenue from Contracts with Customers, for the periods indicated: Three Months Ended March 31, ($ in thousands) 2023 2022 Noninterest income in-scope of Topic 606 Service charges and fees on deposits: Monthly service fees $ 26 $ 21 Account analysis fees 225 215 Non-sufficient funds charges 72 47 Other deposit related fees 21 20 Total service charges and fees on deposits 344 303 Debit card fees 73 84 Gain (loss) on sale of other real estate owned — — Wire transfer fees 144 159 Other service charges 48 45 Total $ 609 $ 591

Basis of Presentation and Sig_4

Basis of Presentation and Significant Accounting Policies - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)	Mar. 31, 2023 USD ($) branch office	Jan. 01, 2023 USD ($)
Product Information [Line Items]
Number of loan production offices | office		7
Decrease in retained earnings	$ (127,181)	$ (133,415)	$ (127,181)
Net loans held-for-investment	2,021,121	2,067,748
ACL on off-balance sheet credit exposures			299
Deferred tax assets, net	$ 3,115	$ 3,753	3,115
Financing Receivable, Excluding Accrued Interest | Loans Held-for-Investment Concentration Risk | Commercial real estate | Commercial property
Product Information [Line Items]
Concentration risk percentage	63%
Financing Receivable, Excluding Accrued Interest | Loans Held-for-Investment Concentration Risk | Commercial real estate | SBA property
Product Information [Line Items]
Concentration risk percentage	6.60%
Financing Receivable, Excluding Accrued Interest | Loans Held-for-Investment Concentration Risk | Commercial and industrial
Product Information [Line Items]
Concentration risk percentage	12.20%
Impact of ASC 326 Adoption
Product Information [Line Items]
Decrease in retained earnings			1,886
Net loans held-for-investment			1,100
ACL on off-balance sheet credit exposures			1,607
Deferred tax assets, net			$ 788
California
Product Information [Line Items]
Number of full-service branches | branch		11
New Jersey
Product Information [Line Items]
Number of full-service branches | branch		3
New York
Product Information [Line Items]
Number of full-service branches | branch		2
Texas
Product Information [Line Items]
Number of full-service branches | branch		2

Basis of Presentation and Sig_5

Basis of Presentation and Significant Accounting Policies - ASU Adjustment (Details) - USD ($) $ in Thousands	Mar. 31, 2023		Jan. 01, 2023	Dec. 31, 2022		Mar. 31, 2022	Dec. 31, 2021
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total ACL	$ 24,694	[1]	$ 24,942	$ 24,942	[1]	$ 21,198	$ 22,381
Deferred tax assets, net	3,753		3,115	3,115
ACL on off-balance sheet credit exposures			299
Retained earnings	$ 133,415		127,181	127,181
Commercial real estate
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total ACL			15,536
Commercial and industrial
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total ACL			5,502
Consumer
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total ACL			3,904
Impact of ASC 326 Adoption
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total ACL			1,067	$ 1,067
Deferred tax assets, net			788
ACL on off-balance sheet credit exposures			1,607
Retained earnings			(1,886)
Impact of ASC 326 Adoption | Commercial real estate
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total ACL			(610)
Impact of ASC 326 Adoption | Commercial and industrial
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total ACL			4,344
Impact of ASC 326 Adoption | Consumer
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total ACL			(2,667)
As Reported Under ASC 326
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total ACL			26,009
Deferred tax assets, net			3,903
ACL on off-balance sheet credit exposures			1,906
Retained earnings			125,295
As Reported Under ASC 326 | Commercial real estate
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total ACL			14,926
As Reported Under ASC 326 | Commercial and industrial
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total ACL			9,846
As Reported Under ASC 326 | Consumer
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Total ACL			$ 1,237
[1]Allowance for credit losses on loans at March 31, 2023 is presented under ASC 326, while prior period comparison continues to be presented under legacy ASC 450 and ASC 310.

Basis of Presentation and Sig_6

Basis of Presentation and Significant Accounting Policies - Reclassification of Loans Held-for-Investment and ACL (Details) - USD ($) $ in Thousands	Mar. 31, 2023		Jan. 01, 2023	Dec. 31, 2022		Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	$ 2,092,442		$ 2,046,063	$ 2,046,063
Total ACL	24,694	[1]	24,942	24,942	[1]	$ 21,198	$ 22,381
Impact of ASC 326 Adoption
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total ACL			1,067	1,067
As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			2,046,063
Total ACL			26,009
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	1,445,189			1,774,064
Total ACL				19,227		16,602	16,797
Commercial real estate | Impact of ASC 326 Adoption
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total ACL			(610)
Commercial real estate | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			1,440,338
Total ACL			14,775
Commercial real estate | Previously Reported
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment				1,423,284
Total ACL				15,385
Commercial real estate | As Revised
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			1,423,284
Total ACL			15,385
Commercial real estate | Commercial property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment				1,288,392
Commercial real estate | Commercial property | Previously Reported
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment				1,288,392
Total ACL				14,059
Commercial real estate | Commercial property | Reclassification
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment				(1,288,392)
Total ACL				(14,059)
Commercial real estate | SBA property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment				134,892
Commercial real estate | SBA property | Previously Reported
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment				134,892
Total ACL				1,326
Commercial real estate | SBA property | Reclassification
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment				(134,892)
Total ACL				(1,326)
Commercial real estate | Commercial property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	780,282
Total ACL	8,476			8,502
Commercial real estate | Commercial property | Impact of ASC 326 Adoption
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total ACL			(1,762)	(1,762)
Commercial real estate | Commercial property | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			772,020
Total ACL			6,740
Commercial real estate | Commercial property | Reclassification
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment				772,020
Total ACL				8,502
Commercial real estate | Commercial property | As Revised
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			772,020
Total ACL			8,502
Commercial real estate | Business property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	521,965
Total ACL	6,069			5,749
Commercial real estate | Business property | Impact of ASC 326 Adoption
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total ACL			896	896
Commercial real estate | Business property | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			526,513
Total ACL			6,645
Commercial real estate | Business property | Reclassification
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment				526,513
Total ACL				5,749
Commercial real estate | Business property | As Revised
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			526,513
Total ACL			5,749
Commercial real estate | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	127,012
Total ACL	1,381			1,134
Commercial real estate | Multifamily | Impact of ASC 326 Adoption
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total ACL			256	256
Commercial real estate | Multifamily | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			124,751
Total ACL			1,390
Commercial real estate | Multifamily | Reclassification
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment				124,751
Total ACL				1,134
Commercial real estate | Multifamily | As Revised
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			124,751
Total ACL			1,134
Commercial real estate | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	15,930		17,054	17,054
Total ACL	156		151	151
Commercial real estate | Construction | Impact of ASC 326 Adoption
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total ACL			0	0
Commercial real estate | Construction | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			17,054
Total ACL			151
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	267,674		249,250	249,250
Total ACL	7,314		5,502	5,502		4,356	5,310
Commercial and industrial | Impact of ASC 326 Adoption
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total ACL			4,344	4,344
Commercial and industrial | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			249,250
Total ACL			9,846
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	379,579			22,749
Total ACL				213		$ 240	$ 274
Consumer | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			356,475
Consumer | Residential property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	356,967		333,726	333,726
Total ACL	1,214		3,691	3,691
Consumer | Residential property | Impact of ASC 326 Adoption
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total ACL			(2,534)	(2,534)
Consumer | Residential property | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			333,726
Total ACL			1,157
Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	22,612		22,749	22,749
Total ACL	$ 84		213	213
Consumer | Other consumer | Impact of ASC 326 Adoption
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total ACL			(133)	$ (133)
Consumer | Other consumer | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment			22,749
Total ACL			$ 80
[1]Allowance for credit losses on loans at March 31, 2023 is presented under ASC 326, while prior period comparison continues to be presented under legacy ASC 450 and ASC 310.

Fair Value Measurements - Asset

Fair Value Measurements - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Securities available-for-sale:
Fair Value	$ 144,665	$ 141,863
Residential mortgage-backed securities
Securities available-for-sale:
Fair Value	100,843	96,900
Residential collateralized mortgage obligations
Securities available-for-sale:
Fair Value	26,655	26,956
SBA loan pool securities
Securities available-for-sale:
Fair Value	8,538	9,298
Municipal bonds
Securities available-for-sale:
Fair Value	4,270	4,186
Corporate bonds
Securities available-for-sale:
Fair Value	4,359	4,523
Recurring
Securities available-for-sale:
Fair Value	144,665	141,863
Total assets measured at fair value	144,665	141,863
Total liabilities measured at fair value on a recurring basis	0	0
Recurring | Residential mortgage-backed securities
Securities available-for-sale:
Fair Value	100,843	96,900
Recurring | Residential collateralized mortgage obligations
Securities available-for-sale:
Fair Value	26,655	26,956
Recurring | SBA loan pool securities
Securities available-for-sale:
Fair Value	8,538	9,298
Recurring | Municipal bonds
Securities available-for-sale:
Fair Value	4,270	4,186
Recurring | Corporate bonds
Securities available-for-sale:
Fair Value	4,359	4,523
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring
Securities available-for-sale:
Fair Value	0	0
Total assets measured at fair value	0	0
Total liabilities measured at fair value on a recurring basis	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | Residential mortgage-backed securities
Securities available-for-sale:
Fair Value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | Residential collateralized mortgage obligations
Securities available-for-sale:
Fair Value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | SBA loan pool securities
Securities available-for-sale:
Fair Value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | Municipal bonds
Securities available-for-sale:
Fair Value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | Corporate bonds
Securities available-for-sale:
Fair Value	0	0
Significant Other Observable Inputs (Level 2) | Recurring
Securities available-for-sale:
Fair Value	144,665	141,863
Total assets measured at fair value	144,665	141,863
Total liabilities measured at fair value on a recurring basis	0	0
Significant Other Observable Inputs (Level 2) | Recurring | Residential mortgage-backed securities
Securities available-for-sale:
Fair Value	100,843	96,900
Significant Other Observable Inputs (Level 2) | Recurring | Residential collateralized mortgage obligations
Securities available-for-sale:
Fair Value	26,655	26,956
Significant Other Observable Inputs (Level 2) | Recurring | SBA loan pool securities
Securities available-for-sale:
Fair Value	8,538	9,298
Significant Other Observable Inputs (Level 2) | Recurring | Municipal bonds
Securities available-for-sale:
Fair Value	4,270	4,186
Significant Other Observable Inputs (Level 2) | Recurring | Corporate bonds
Securities available-for-sale:
Fair Value	4,359	4,523
Significant Unobservable Inputs (Level 3) | Recurring
Securities available-for-sale:
Fair Value	0	0
Total assets measured at fair value	0	0
Total liabilities measured at fair value on a recurring basis	0	0
Significant Unobservable Inputs (Level 3) | Recurring | Residential mortgage-backed securities
Securities available-for-sale:
Fair Value	0	0
Significant Unobservable Inputs (Level 3) | Recurring | Residential collateralized mortgage obligations
Securities available-for-sale:
Fair Value	0	0
Significant Unobservable Inputs (Level 3) | Recurring | SBA loan pool securities
Securities available-for-sale:
Fair Value	0	0
Significant Unobservable Inputs (Level 3) | Recurring | Municipal bonds
Securities available-for-sale:
Fair Value	0	0
Significant Unobservable Inputs (Level 3) | Recurring | Corporate bonds
Securities available-for-sale:
Fair Value	$ 0	$ 0

Fair Value Measurements - Ass_2

Fair Value Measurements - Assets and Liabilities Measured at Fair Value on a Non-recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated		$ 3,889
Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	$ 50
Total impaired loans		4,000
Total assets measured at fair value	50	4,000
Total liabilities measured at fair value on a non-recurring basis	0	0
Nonrecurring | Business property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	50
Nonrecurring | Commercial lines of credit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans		4,000
Quoted Prices in Active Markets for Identical Assets (Level 1) | Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	0
Total impaired loans		0
Total assets measured at fair value	0	0
Total liabilities measured at fair value on a non-recurring basis	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Nonrecurring | Business property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Nonrecurring | Commercial lines of credit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans		0
Significant Other Observable Inputs (Level 2) | Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	0
Total impaired loans		0
Total assets measured at fair value	0	0
Total liabilities measured at fair value on a non-recurring basis	0	0
Significant Other Observable Inputs (Level 2) | Nonrecurring | Business property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	0
Significant Other Observable Inputs (Level 2) | Nonrecurring | Commercial lines of credit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans		0
Significant Unobservable Inputs (Level 3) | Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	50
Total impaired loans		4,000
Total assets measured at fair value	50	4,000
Total liabilities measured at fair value on a non-recurring basis	0	0
Significant Unobservable Inputs (Level 3) | Nonrecurring | Business property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	$ 50
Significant Unobservable Inputs (Level 3) | Nonrecurring | Commercial lines of credit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total impaired loans		$ 4,000

Fair Value Measurements - Level

Fair Value Measurements - Level 3 Measurement Inputs (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total loans individually evaluated		$ 3,889
Nonrecurring
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total loans individually evaluated	$ 50
Total impaired loans		4,000
Nonrecurring | Business property
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total loans individually evaluated	50
Nonrecurring | Commercial lines of credit
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total impaired loans		4,000
Significant Unobservable Inputs (Level 3) | Nonrecurring
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total loans individually evaluated	50
Total impaired loans		4,000
Significant Unobservable Inputs (Level 3) | Nonrecurring | Business property
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total loans individually evaluated	$ 50
Significant Unobservable Inputs (Level 3) | Nonrecurring | Commercial lines of credit
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total impaired loans		$ 4,000

Fair Value Measurements - Net G

Fair Value Measurements - Net Gains (Losses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net gains recognized	$ 1,045	$ 0
Business property
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net gains recognized	(29)	0
Commercial and industrial
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net gains recognized	$ 1,074	$ 0

Fair Value Measurements - Fair

Fair Value Measurements - Fair Values of Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financial assets:
Securities available-for-sale	$ 144,665	$ 141,863
Carrying Value
Financial assets:
Interest-bearing deposits in other financial institutions	164,718	123,829
Securities available-for-sale	144,665	141,863
Loans held-for-sale	14,352	22,811
Net loans held-for-investment	2,067,748	2,021,121
Federal Home Loan Bank (“FHLB”) and other restricted stock	10,183	10,183
Accrued interest receivable	7,998	7,472
Financial liabilities:
Deposits	2,141,689	2,045,983
FHLB advances		20,000
Accrued interest payable	7,327	3,159
Fair Value
Financial assets:
Interest-bearing deposits in other financial institutions	164,718	123,829
Securities available-for-sale	144,665	141,863
Loans held-for-sale	15,425	23,992
Net loans held-for-investment	2,000,393	1,970,235
Accrued interest receivable	7,998	7,472
Financial liabilities:
Deposits	2,139,042	2,041,667
FHLB advances		20,001
Accrued interest payable	7,327	3,159
Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)
Financial assets:
Interest-bearing deposits in other financial institutions	164,718	123,829
Securities available-for-sale	0	0
Loans held-for-sale	0	0
Net loans held-for-investment	0	0
Accrued interest receivable	269	49
Financial liabilities:
Deposits	0	0
FHLB advances		0
Accrued interest payable	0	0
Fair Value | Significant Other Observable Inputs (Level 2)
Financial assets:
Interest-bearing deposits in other financial institutions	0	0
Securities available-for-sale	144,665	141,863
Loans held-for-sale	15,425	23,992
Net loans held-for-investment	0	0
Accrued interest receivable	436	475
Financial liabilities:
Deposits	0	0
FHLB advances		20,001
Accrued interest payable	0	5
Fair Value | Significant Unobservable Inputs (Level 3)
Financial assets:
Interest-bearing deposits in other financial institutions	0	0
Securities available-for-sale	0	0
Loans held-for-sale	0	0
Net loans held-for-investment	2,000,393	1,970,235
Accrued interest receivable	7,293	6,948
Financial liabilities:
Deposits	2,139,042	2,041,667
FHLB advances		0
Accrued interest payable	$ 7,327	$ 3,154

Investment Securities - Summary

Investment Securities - Summary of Debt and Equity Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Securities available-for-sale:
Amortized Cost	$ 157,752	$ 156,978
Gross Unrealized Gain	229	118
Gross Unrealized Loss	(13,316)	(15,233)
Fair Value	144,665	141,863
Asset Pledged as Collateral
Securities available-for-sale:
Fair Value	67,300	69,000
Residential mortgage-backed securities
Securities available-for-sale:
Amortized Cost	111,737	109,497
Gross Unrealized Gain	72	1
Gross Unrealized Loss	(10,966)	(12,598)
Fair Value	100,843	96,900
Residential collateralized mortgage obligations
Securities available-for-sale:
Amortized Cost	27,863	28,515
Gross Unrealized Gain	138	107
Gross Unrealized Loss	(1,346)	(1,666)
Fair Value	26,655	26,956
SBA loan pool securities
Securities available-for-sale:
Amortized Cost	8,891	9,704
Gross Unrealized Gain	4	8
Gross Unrealized Loss	(357)	(414)
Fair Value	8,538	9,298
Municipal bonds
Securities available-for-sale:
Amortized Cost	4,261	4,262
Gross Unrealized Gain	15	2
Gross Unrealized Loss	(6)	(78)
Fair Value	4,270	4,186
Corporate bonds
Securities available-for-sale:
Amortized Cost	5,000	5,000
Gross Unrealized Gain	0	0
Gross Unrealized Loss	(641)	(477)
Fair Value	$ 4,359	$ 4,523

Investment Securities - Narrati

Investment Securities - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Marketable Securities [Line Items]
Fair Value	$ 144,665	$ 141,863
Accrued interest on securities available-for-sale	436	475
Debt securities, available-for-sale, ACL	$ 0
Investment Securities Concentration Risk | Debt Securities, Available-for-Sale, Excluding Accrued Interest | Issued By US Government Agency and US Government Sponsored Enterprise
Marketable Securities [Line Items]
Concentration risk percentage	94.10%
Asset Pledged as Collateral
Marketable Securities [Line Items]
Fair Value	$ 67,300	$ 69,000

Investment Securities - Summa_2

Investment Securities - Summary of Contractual Maturities (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Amortized Cost
Within one year	$ 958
One to five years	868
Five to ten years	5,081
Greater than ten years	2,354
Residential mortgage-backed securities, residential collateralized mortgage obligations and SBA loan pool securities	148,491
Amortized Cost	157,752	$ 156,978
Fair Value
Within one year	956
One to five years	868
Five to ten years	4,440
Greater than ten years	2,365
Residential mortgage-backed securities, residential collateralized mortgage obligations and SBA loan pool securities	136,036
Fair Value	$ 144,665	$ 141,863

Investment Securities - Summa_3

Investment Securities - Summary of Individual Securities in Continuous Unrealized Loss Position (Details) $ in Thousands	Mar. 31, 2023 USD ($) security	Dec. 31, 2022 USD ($) security
Securities available-for-sale:
Less Than 12 Months, Fair Value	$ 32,615	$ 82,769
Less Than 12 Months, Gross Unrealized Losses	$ (828)	$ (5,792)
Less Than 12 Months, Number of Securities | security	30	136
12 months or Longer, Fair Value	$ 88,992	$ 44,780
12 months or Longer, Gross Unrealized Losses	$ (12,488)	$ (9,441)
12 months or Longer, Number of Securities | security	144	45
Total, Fair Value	$ 121,607	$ 127,549
Total, Gross Unrealized Losses	$ (13,316)	$ (15,233)
Total, Number of Securities | security	174	181
Residential mortgage-backed securities
Securities available-for-sale:
Less Than 12 Months, Fair Value	$ 25,053	$ 55,171
Less Than 12 Months, Gross Unrealized Losses	$ (764)	$ (3,721)
Less Than 12 Months, Number of Securities | security	17	83
12 months or Longer, Fair Value	$ 66,963	$ 41,697
12 months or Longer, Gross Unrealized Losses	$ (10,202)	$ (8,877)
12 months or Longer, Number of Securities | security	99	36
Total, Fair Value	$ 92,016	$ 96,868
Total, Gross Unrealized Losses	$ (10,966)	$ (12,598)
Total, Number of Securities | security	116	119
Residential collateralized mortgage obligations
Securities available-for-sale:
Less Than 12 Months, Fair Value	$ 2,211	$ 12,600
Less Than 12 Months, Gross Unrealized Losses	$ (43)	$ (1,191)
Less Than 12 Months, Number of Securities | security	4	29
12 months or Longer, Fair Value	$ 13,646	$ 2,262
12 months or Longer, Gross Unrealized Losses	$ (1,303)	$ (475)
12 months or Longer, Number of Securities | security	33	7
Total, Fair Value	$ 15,857	$ 14,862
Total, Gross Unrealized Losses	$ (1,346)	$ (1,666)
Total, Number of Securities | security	37	36
SBA loan pool securities
Securities available-for-sale:
Less Than 12 Months, Fair Value	$ 3,622	$ 7,161
Less Than 12 Months, Gross Unrealized Losses	$ (15)	$ (325)
Less Than 12 Months, Number of Securities | security	3	12
12 months or Longer, Fair Value	$ 4,024	$ 821
12 months or Longer, Gross Unrealized Losses	$ (342)	$ (89)
12 months or Longer, Number of Securities | security	11	2
Total, Fair Value	$ 7,646	$ 7,982
Total, Gross Unrealized Losses	$ (357)	$ (414)
Total, Number of Securities | security	14	14
Municipal bonds
Securities available-for-sale:
Less Than 12 Months, Fair Value	$ 1,729	$ 3,314
Less Than 12 Months, Gross Unrealized Losses	$ (6)	$ (78)
Less Than 12 Months, Number of Securities | security	6	11
12 months or Longer, Fair Value	$ 0	$ 0
12 months or Longer, Gross Unrealized Losses	$ 0	$ 0
12 months or Longer, Number of Securities | security	0	0
Total, Fair Value	$ 1,729	$ 3,314
Total, Gross Unrealized Losses	$ (6)	$ (78)
Total, Number of Securities | security	6	11
Corporate bonds
Securities available-for-sale:
Less Than 12 Months, Fair Value	$ 0	$ 4,523
Less Than 12 Months, Gross Unrealized Losses	$ 0	$ (477)
Less Than 12 Months, Number of Securities | security	0	1
12 months or Longer, Fair Value	$ 4,359	$ 0
12 months or Longer, Gross Unrealized Losses	$ (641)	$ 0
12 months or Longer, Number of Securities | security	1	0
Total, Fair Value	$ 4,359	$ 4,523
Total, Gross Unrealized Losses	$ (641)	$ (477)
Total, Number of Securities | security	1	1

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses on Loans - Loans Held-For-Investment (Details) - USD ($) $ in Thousands	Mar. 31, 2023		Jan. 01, 2023	Dec. 31, 2022		Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	$ 2,092,442		$ 2,046,063	$ 2,046,063
Allowance for credit losses on loans	(24,694)	[1]	(24,942)	(24,942)	[1]	$ (21,198)	$ (22,381)
Net loans held-for-investment	2,067,748			2,021,121
As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment			2,046,063
Allowance for credit losses on loans			(26,009)
Net loans held-for-investment			2,020,054
Officers and Directors
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	112			113
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	1,445,189			1,774,064
Allowance for credit losses on loans				(19,227)		(16,602)	(16,797)
Commercial real estate | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment			1,440,338
Allowance for credit losses on loans			(14,775)
Commercial real estate | Commercial property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	780,282
Allowance for credit losses on loans	(8,476)			(8,502)
Commercial real estate | Commercial property | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment			772,020
Allowance for credit losses on loans			(6,740)
Commercial real estate | Business property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	521,965
Allowance for credit losses on loans	(6,069)			(5,749)
Commercial real estate | Business property | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment			526,513
Allowance for credit losses on loans			(6,645)
Commercial real estate | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	127,012
Allowance for credit losses on loans	(1,381)			(1,134)
Commercial real estate | Multifamily | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment			124,751
Allowance for credit losses on loans			(1,390)
Commercial real estate | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	15,930		17,054	17,054
Allowance for credit losses on loans	(156)		(151)	(151)
Commercial real estate | Construction | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment			17,054
Allowance for credit losses on loans			(151)
Commercial real estate | Commercial property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment				1,288,392
Commercial real estate | Residential property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment				333,726
Commercial real estate | SBA property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment				134,892
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	267,674		249,250	249,250
Allowance for credit losses on loans	(7,314)		(5,502)	(5,502)		(4,356)	(5,310)
Commercial and industrial | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment			249,250
Allowance for credit losses on loans			(9,846)
Commercial and industrial | Commercial term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment				77,700
Commercial and industrial | Commercial lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment				154,142
Commercial and industrial | SBA commercial term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment				16,211
Commercial and industrial | SBA PPP
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment				1,197
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	379,579			22,749
Allowance for credit losses on loans				(213)		$ (240)	$ (274)
Consumer | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment			356,475
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	356,967		333,726	333,726
Allowance for credit losses on loans	(1,214)		(3,691)	(3,691)
Consumer | Residential mortgage | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment			333,726
Allowance for credit losses on loans			(1,157)
Consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	22,612		22,749	22,749
Allowance for credit losses on loans	$ (84)		(213)	$ (213)
Consumer | Other consumer | As Reported Under ASC 326
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment			22,749
Allowance for credit losses on loans			$ (80)
[1]Allowance for credit losses on loans at March 31, 2023 is presented under ASC 326, while prior period comparison continues to be presented under legacy ASC 450 and ASC 310.

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses on Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2023		Mar. 31, 2022	Jan. 01, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Reversal for credit losses on loans		$ (2,417)		$ (1,191)
Provision (reversal) for credit losses on off-balance sheet credit exposures		(361)
Total reversal for credit losses	[1],[2]	(2,778)		(1,191)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		24,942	[3]	22,381
Charge-offs		0		(12)
Recoveries		1,102		20
Provision (reversal) for credit losses on loans		(2,417)		(1,191)
Ending balance		24,694	[3]	21,198
Allowance for loan losses:
Individually evaluated for impairment						$ 0
Collectively evaluated for impairment						24,942
Total		24,694	[3]	21,198	$ 24,942	24,942	[3]
Loans receivable:
Individually evaluated for impairment						3,889
Collectively evaluated for impairment						2,042,174
Total		2,092,442			2,046,063	2,046,063
Impact of ASC 326 Adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		1,067
Allowance for loan losses:
Total					1,067	1,067
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Reversal for credit losses on loans				(195)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		19,227		16,797
Charge-offs				0
Recoveries				0
Provision (reversal) for credit losses on loans				(195)
Ending balance				16,602
Allowance for loan losses:
Individually evaluated for impairment						0
Collectively evaluated for impairment						19,227
Total				16,602		19,227
Loans receivable:
Individually evaluated for impairment						3,889
Collectively evaluated for impairment						1,770,175
Total		1,445,189				1,774,064
Commercial real estate | Impact of ASC 326 Adoption
Allowance for loan losses:
Total					(610)
Commercial real estate | Commercial property
Financing Receivable, Allowance for Credit Loss [Line Items]
Reversal for credit losses on loans		1,736
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		8,502
Charge-offs		0
Recoveries		0
Provision (reversal) for credit losses on loans		1,736
Ending balance		8,476
Allowance for loan losses:
Total		8,476				8,502
Loans receivable:
Total		780,282
Commercial real estate | Commercial property | Impact of ASC 326 Adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		(1,762)
Allowance for loan losses:
Total					(1,762)	(1,762)
Commercial real estate | Business property
Financing Receivable, Allowance for Credit Loss [Line Items]
Reversal for credit losses on loans		(581)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		5,749
Charge-offs		0
Recoveries		5
Provision (reversal) for credit losses on loans		(581)
Ending balance		6,069
Allowance for loan losses:
Total		6,069				5,749
Loans receivable:
Total		521,965
Commercial real estate | Business property | Impact of ASC 326 Adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		896
Allowance for loan losses:
Total					896	896
Commercial real estate | Multifamily
Financing Receivable, Allowance for Credit Loss [Line Items]
Reversal for credit losses on loans		(9)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		1,134
Charge-offs		0
Recoveries		0
Provision (reversal) for credit losses on loans		(9)
Ending balance		1,381
Allowance for loan losses:
Total		1,381				1,134
Loans receivable:
Total		127,012
Commercial real estate | Multifamily | Impact of ASC 326 Adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		256
Allowance for loan losses:
Total					256	256
Commercial real estate | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Reversal for credit losses on loans		5
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		151
Charge-offs		0
Recoveries		0
Provision (reversal) for credit losses on loans		5
Ending balance		156
Allowance for loan losses:
Total		156			151	151
Loans receivable:
Total		15,930			17,054	17,054
Commercial real estate | Construction | Impact of ASC 326 Adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		0
Allowance for loan losses:
Total					0	0
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Reversal for credit losses on loans		(3,617)		(959)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		5,502		5,310
Charge-offs		0		0
Recoveries		1,085		5
Provision (reversal) for credit losses on loans		(3,617)		(959)
Ending balance		7,314		4,356
Allowance for loan losses:
Individually evaluated for impairment						0
Collectively evaluated for impairment						5,502
Total		7,314		4,356	5,502	5,502
Loans receivable:
Individually evaluated for impairment						0
Collectively evaluated for impairment						249,250
Total		267,674			249,250	249,250
Commercial and industrial | Impact of ASC 326 Adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		4,344
Allowance for loan losses:
Total					4,344	4,344
Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Reversal for credit losses on loans				(37)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		213		274
Charge-offs				(12)
Recoveries				15
Provision (reversal) for credit losses on loans				(37)
Ending balance				240
Allowance for loan losses:
Individually evaluated for impairment						0
Collectively evaluated for impairment						213
Total				$ 240		213
Loans receivable:
Individually evaluated for impairment						0
Collectively evaluated for impairment						22,749
Total		379,579				22,749
Consumer | Residential mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Reversal for credit losses on loans		57
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		3,691
Charge-offs		0
Recoveries		0
Provision (reversal) for credit losses on loans		57
Ending balance		1,214
Allowance for loan losses:
Total		1,214			3,691	3,691
Loans receivable:
Total		356,967			333,726	333,726
Consumer | Residential mortgage | Impact of ASC 326 Adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		(2,534)
Allowance for loan losses:
Total					(2,534)	(2,534)
Consumer | Other consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Reversal for credit losses on loans		(8)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		213
Charge-offs		0
Recoveries		12
Provision (reversal) for credit losses on loans		(8)
Ending balance		84
Allowance for loan losses:
Total		84			213	213
Loans receivable:
Total		22,612			22,749	22,749
Consumer | Other consumer | Impact of ASC 326 Adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance		$ (133)
Allowance for loan losses:
Total					$ (133)	$ (133)
[1]Reversal for credit losses for the three months ended March 31, 2023 is presented under ASC 326, while prior period comparison continue to be presented under legacy ASC 450 and ASC 310.[2]Reversal for credit losses for the three months ended March 31, 2023 is presented under ASC 326, while prior period comparison continues to be presented under legacy ASC 450 and ASC 310.[3]Allowance for credit losses on loans at March 31, 2023 is presented under ASC 326, while prior period comparison continues to be presented under legacy ASC 450 and ASC 310.

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses on Loans - Credit Quality Indicators (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Jan. 01, 2023	Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	$ 105,181
Year one, originated current fiscal year, writeoff	0
Year two, originated one year before current fiscal year	651,716
Year two, originated one year before current fiscal year, writeoff	0
Year three, originated two years before current fiscal year	491,718
Year three, originated two years before current fiscal year, writeoff	0
Year four, originated three years before current fiscal year	196,274
Year four, originated three years before current fiscal year, writeoff	0
Year five, originated four years before current fiscal year	185,712
Year five, originated four years before current fiscal year, writeoff	0
Prior	289,487
Prior, writeoff	0
Revolving Loans	162,290
Revolving Loans, writeoff	0
Revolving Loans Converted to Term	10,064
Revolving Loans Converted to Term, writeoff	0
Total	2,092,442		$ 2,046,063	$ 2,046,063
Current period gross write offs	0	$ 12
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	105,181
Year two, originated one year before current fiscal year	651,683
Year three, originated two years before current fiscal year	491,033
Year four, originated three years before current fiscal year	195,884
Year five, originated four years before current fiscal year	182,571
Prior	283,149
Revolving Loans	161,290
Revolving Loans Converted to Term	10,064
Total	2,080,855			2,032,995
Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	493
Year four, originated three years before current fiscal year	380
Year five, originated four years before current fiscal year	399
Prior	3,255
Revolving Loans	1,000
Revolving Loans Converted to Term	0
Total	5,527			6,857
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	33
Year three, originated two years before current fiscal year	192
Year four, originated three years before current fiscal year	10
Year five, originated four years before current fiscal year	2,742
Prior	3,083
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	6,060			6,211
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0			0
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Total	1,445,189			1,774,064
Current period gross write offs		0
Commercial real estate | Commercial property
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	31,346
Year one, originated current fiscal year, writeoff	0
Year two, originated one year before current fiscal year	278,467
Year two, originated one year before current fiscal year, writeoff	0
Year three, originated two years before current fiscal year	165,380
Year three, originated two years before current fiscal year, writeoff	0
Year four, originated three years before current fiscal year	87,488
Year four, originated three years before current fiscal year, writeoff	0
Year five, originated four years before current fiscal year	82,887
Year five, originated four years before current fiscal year, writeoff	0
Prior	133,780
Prior, writeoff	0
Revolving Loans	934
Revolving Loans, writeoff	0
Revolving Loans Converted to Term	0
Revolving Loans Converted to Term, writeoff	0
Total	780,282
Current period gross write offs	0
Commercial real estate | Commercial property | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	31,346
Year two, originated one year before current fiscal year	278,467
Year three, originated two years before current fiscal year	164,887
Year four, originated three years before current fiscal year	87,488
Year five, originated four years before current fiscal year	82,571
Prior	129,233
Revolving Loans	934
Revolving Loans Converted to Term	0
Total	774,926
Commercial real estate | Commercial property | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	493
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	2,996
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	3,489
Commercial real estate | Commercial property | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	316
Prior	1,551
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	1,867
Commercial real estate | Commercial property | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0
Commercial real estate | Business property
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	18,532
Year one, originated current fiscal year, writeoff	0
Year two, originated one year before current fiscal year	109,693
Year two, originated one year before current fiscal year, writeoff	0
Year three, originated two years before current fiscal year	182,729
Year three, originated two years before current fiscal year, writeoff	0
Year four, originated three years before current fiscal year	52,538
Year four, originated three years before current fiscal year, writeoff	0
Year five, originated four years before current fiscal year	75,383
Year five, originated four years before current fiscal year, writeoff	0
Prior	76,124
Prior, writeoff	0
Revolving Loans	2,555
Revolving Loans, writeoff	0
Revolving Loans Converted to Term	4,411
Revolving Loans Converted to Term, writeoff	0
Total	521,965
Current period gross write offs	0
Commercial real estate | Business property | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	18,532
Year two, originated one year before current fiscal year	109,693
Year three, originated two years before current fiscal year	182,537
Year four, originated three years before current fiscal year	52,538
Year five, originated four years before current fiscal year	73,046
Prior	75,492
Revolving Loans	2,555
Revolving Loans Converted to Term	4,411
Total	518,804
Commercial real estate | Business property | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0
Commercial real estate | Business property | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	192
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	2,337
Prior	632
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	3,161
Commercial real estate | Business property | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0
Commercial real estate | Multifamily
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	2,968
Year one, originated current fiscal year, writeoff	0
Year two, originated one year before current fiscal year	41,146
Year two, originated one year before current fiscal year, writeoff	0
Year three, originated two years before current fiscal year	43,971
Year three, originated two years before current fiscal year, writeoff	0
Year four, originated three years before current fiscal year	26,996
Year four, originated three years before current fiscal year, writeoff	0
Year five, originated four years before current fiscal year	2,457
Year five, originated four years before current fiscal year, writeoff	0
Prior	9,474
Prior, writeoff	0
Revolving Loans	0
Revolving Loans, writeoff	0
Revolving Loans Converted to Term	0
Revolving Loans Converted to Term, writeoff	0
Total	127,012
Current period gross write offs	0
Commercial real estate | Multifamily | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	2,968
Year two, originated one year before current fiscal year	41,146
Year three, originated two years before current fiscal year	43,971
Year four, originated three years before current fiscal year	26,996
Year five, originated four years before current fiscal year	2,457
Prior	9,474
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	127,012
Commercial real estate | Multifamily | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0
Commercial real estate | Multifamily | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0
Commercial real estate | Multifamily | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0
Commercial real estate | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year one, originated current fiscal year, writeoff	0
Year two, originated one year before current fiscal year	6,259
Year two, originated one year before current fiscal year, writeoff	0
Year three, originated two years before current fiscal year	0
Year three, originated two years before current fiscal year, writeoff	0
Year four, originated three years before current fiscal year	6,503
Year four, originated three years before current fiscal year, writeoff	0
Year five, originated four years before current fiscal year	3,168
Year five, originated four years before current fiscal year, writeoff	0
Prior	0
Prior, writeoff	0
Revolving Loans	0
Revolving Loans, writeoff	0
Revolving Loans Converted to Term	0
Revolving Loans Converted to Term, writeoff	0
Total	15,930		17,054	17,054
Current period gross write offs	0
Commercial real estate | Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	6,259
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	6,503
Year five, originated four years before current fiscal year	3,168
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	15,930			17,054
Commercial real estate | Construction | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0			0
Commercial real estate | Construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0			0
Commercial real estate | Construction | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0			0
Commercial real estate | Commercial property
Financing Receivable, Credit Quality Indicator [Line Items]
Total				1,288,392
Commercial real estate | Commercial property | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total				1,282,044
Commercial real estate | Commercial property | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total				3,264
Commercial real estate | Commercial property | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total				3,084
Commercial real estate | Commercial property | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Commercial real estate | Residential property
Financing Receivable, Credit Quality Indicator [Line Items]
Total				333,726
Commercial real estate | Residential property | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total				333,354
Commercial real estate | Residential property | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Commercial real estate | Residential property | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total				372
Commercial real estate | Residential property | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Commercial real estate | SBA property
Financing Receivable, Credit Quality Indicator [Line Items]
Total				134,892
Commercial real estate | SBA property | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total				132,910
Commercial real estate | SBA property | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total				245
Commercial real estate | SBA property | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total				1,737
Commercial real estate | SBA property | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	19,570
Year one, originated current fiscal year, writeoff	0
Year two, originated one year before current fiscal year	34,078
Year two, originated one year before current fiscal year, writeoff	0
Year three, originated two years before current fiscal year	14,410
Year three, originated two years before current fiscal year, writeoff	0
Year four, originated three years before current fiscal year	8,364
Year four, originated three years before current fiscal year, writeoff	0
Year five, originated four years before current fiscal year	9,051
Year five, originated four years before current fiscal year, writeoff	0
Prior	19,179
Prior, writeoff	0
Revolving Loans	157,369
Revolving Loans, writeoff	0
Revolving Loans Converted to Term	5,653
Revolving Loans Converted to Term, writeoff	0
Total	267,674		249,250	249,250
Current period gross write offs	0	0
Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	19,570
Year two, originated one year before current fiscal year	34,078
Year three, originated two years before current fiscal year	14,410
Year four, originated three years before current fiscal year	7,984
Year five, originated four years before current fiscal year	8,565
Prior	18,020
Revolving Loans	156,369
Revolving Loans Converted to Term	5,653
Total	264,649
Commercial and industrial | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	380
Year five, originated four years before current fiscal year	399
Prior	259
Revolving Loans	1,000
Revolving Loans Converted to Term	0
Total	2,038
Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	87
Prior	900
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	987
Commercial and industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0
Commercial and industrial | Commercial term
Financing Receivable, Credit Quality Indicator [Line Items]
Total				77,700
Commercial and industrial | Commercial term | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total				75,473
Commercial and industrial | Commercial term | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total				1,248
Commercial and industrial | Commercial term | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total				979
Commercial and industrial | Commercial term | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Commercial and industrial | Commercial lines of credit
Financing Receivable, Credit Quality Indicator [Line Items]
Total				154,142
Commercial and industrial | Commercial lines of credit | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total				152,042
Commercial and industrial | Commercial lines of credit | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total				2,100
Commercial and industrial | Commercial lines of credit | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Commercial and industrial | Commercial lines of credit | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Commercial and industrial | SBA commercial term
Financing Receivable, Credit Quality Indicator [Line Items]
Total				16,211
Commercial and industrial | SBA commercial term | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total				16,175
Commercial and industrial | SBA commercial term | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Commercial and industrial | SBA commercial term | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total				36
Commercial and industrial | SBA commercial term | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Commercial and industrial | SBA PPP
Financing Receivable, Credit Quality Indicator [Line Items]
Total				1,197
Commercial and industrial | SBA PPP | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total				1,197
Commercial and industrial | SBA PPP | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Commercial and industrial | SBA PPP | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Commercial and industrial | SBA PPP | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total	379,579			22,749
Current period gross write offs		$ 12
Consumer | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total				22,746
Consumer | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Consumer | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total				3
Consumer | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total				0
Consumer | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	30,268
Year one, originated current fiscal year, writeoff	0
Year two, originated one year before current fiscal year	171,982
Year two, originated one year before current fiscal year, writeoff	0
Year three, originated two years before current fiscal year	80,512
Year three, originated two years before current fiscal year, writeoff	0
Year four, originated three years before current fiscal year	11,931
Year four, originated three years before current fiscal year, writeoff	0
Year five, originated four years before current fiscal year	11,520
Year five, originated four years before current fiscal year, writeoff	0
Prior	50,754
Prior, writeoff	0
Revolving Loans	0
Revolving Loans, writeoff	0
Revolving Loans Converted to Term	0
Revolving Loans Converted to Term, writeoff	0
Total	356,967		333,726	333,726
Current period gross write offs	0
Consumer | Residential mortgage | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	30,268
Year two, originated one year before current fiscal year	171,982
Year three, originated two years before current fiscal year	80,512
Year four, originated three years before current fiscal year	11,931
Year five, originated four years before current fiscal year	11,520
Prior	50,754
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	356,967
Consumer | Residential mortgage | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0
Consumer | Residential mortgage | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0
Consumer | Residential mortgage | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0
Consumer | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	2,497
Year one, originated current fiscal year, writeoff	0
Year two, originated one year before current fiscal year	10,091
Year two, originated one year before current fiscal year, writeoff	0
Year three, originated two years before current fiscal year	4,716
Year three, originated two years before current fiscal year, writeoff	0
Year four, originated three years before current fiscal year	2,454
Year four, originated three years before current fiscal year, writeoff	0
Year five, originated four years before current fiscal year	1,246
Year five, originated four years before current fiscal year, writeoff	0
Prior	176
Prior, writeoff	0
Revolving Loans	1,432
Revolving Loans, writeoff	0
Revolving Loans Converted to Term	0
Revolving Loans Converted to Term, writeoff	0
Total	22,612		$ 22,749	$ 22,749
Current period gross write offs	0
Consumer | Other consumer | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	2,497
Year two, originated one year before current fiscal year	10,058
Year three, originated two years before current fiscal year	4,716
Year four, originated three years before current fiscal year	2,444
Year five, originated four years before current fiscal year	1,244
Prior	176
Revolving Loans	1,432
Revolving Loans Converted to Term	0
Total	22,567
Consumer | Other consumer | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	0
Consumer | Other consumer | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	33
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	10
Year five, originated four years before current fiscal year	2
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	45
Consumer | Other consumer | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0
Year two, originated one year before current fiscal year	0
Year three, originated two years before current fiscal year	0
Year four, originated three years before current fiscal year	0
Year five, originated four years before current fiscal year	0
Prior	0
Revolving Loans	0
Revolving Loans Converted to Term	0
Total	$ 0

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses on Loans - Nonaccrual Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	$ 2,960	$ 3,360
Nonaccrual Loans with ACL	50
ACL on Nonaccrual Loans	29
Collateral Dependent Nonaccrual Loans	2,915
ACL on Collateral Dependent Nonaccrual Loans	29
Loans guaranteed by US government agency
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	0
Commercial real estate
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	2,904
Nonaccrual Loans with ACL	50
ACL on Nonaccrual Loans	29
Collateral Dependent Nonaccrual Loans	2,904
ACL on Collateral Dependent Nonaccrual Loans	29
Commercial real estate | Business property
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	2,904
Nonaccrual Loans with ACL	50
ACL on Nonaccrual Loans	29
Collateral Dependent Nonaccrual Loans	2,904
ACL on Collateral Dependent Nonaccrual Loans	29
Commercial and industrial
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	11
Nonaccrual Loans with ACL	0
ACL on Nonaccrual Loans	0
Collateral Dependent Nonaccrual Loans	11
ACL on Collateral Dependent Nonaccrual Loans	0
Consumer
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	45	$ 3
Nonaccrual Loans with ACL	0
ACL on Nonaccrual Loans	0
Collateral Dependent Nonaccrual Loans	0
ACL on Collateral Dependent Nonaccrual Loans	0
Consumer | Other consumer
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	45
Nonaccrual Loans with ACL	0
ACL on Nonaccrual Loans	0
Collateral Dependent Nonaccrual Loans	0
ACL on Collateral Dependent Nonaccrual Loans	$ 0

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses on Loans - Collateral Dependent Loans (Details) $ in Thousands	Mar. 31, 2023 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 2,915
Warehouse
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,337
School
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	517
Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	50
Single Family Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	11
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,904
Commercial real estate | Warehouse
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,337
Commercial real estate | School
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	517
Commercial real estate | Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	50
Commercial real estate | Single Family Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Commercial real estate | Business property
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,904
Commercial real estate | Business property | Warehouse
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,337
Commercial real estate | Business property | School
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	517
Commercial real estate | Business property | Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	50
Commercial real estate | Business property | Single Family Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	11
Commercial and industrial | Warehouse
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Commercial and industrial | School
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Commercial and industrial | Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Commercial and industrial | Single Family Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 11

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses on Loans - Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Past Due [Line Items]
Nonaccrual	$ 2,960	$ 3,360
Total Loans Past Due		3,494
Commercial real estate
Financing Receivable, Past Due [Line Items]
Nonaccrual	2,904
Commercial real estate | Business property
Financing Receivable, Past Due [Line Items]
Nonaccrual	2,904
Commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Nonaccrual		2,400
Total Loans Past Due		2,400
Commercial real estate | Residential property
Financing Receivable, Past Due [Line Items]
Nonaccrual		372
Total Loans Past Due		372
Commercial real estate | SBA property
Financing Receivable, Past Due [Line Items]
Nonaccrual		585
Total Loans Past Due		585
Consumer
Financing Receivable, Past Due [Line Items]
Nonaccrual	45	3
Total Loans Past Due		137
Consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Nonaccrual	45
Past Due
Financing Receivable, Past Due [Line Items]
Still Accruing	792
Nonaccrual	84
Total Loans Past Due	876
Past Due | Commercial real estate
Financing Receivable, Past Due [Line Items]
Still Accruing	745
Nonaccrual	51
Total Loans Past Due	796
Past Due | Commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Still Accruing	706
Nonaccrual	0
Total Loans Past Due	706
Past Due | Commercial real estate | Business property
Financing Receivable, Past Due [Line Items]
Still Accruing	39
Nonaccrual	51
Total Loans Past Due	90
Past Due | Consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	47
Nonaccrual	33
Total Loans Past Due	80
Past Due | Consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	47
Nonaccrual	33
Total Loans Past Due	80
30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Still Accruing	779	47
Nonaccrual	33
30 to 59 Days Past Due | Commercial real estate
Financing Receivable, Past Due [Line Items]
Still Accruing	745
Nonaccrual	0
30 to 59 Days Past Due | Commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Still Accruing	706
Nonaccrual	0
30 to 59 Days Past Due | Commercial real estate | Business property
Financing Receivable, Past Due [Line Items]
Still Accruing	39
Nonaccrual	0
30 to 59 Days Past Due | Commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Still Accruing		0
30 to 59 Days Past Due | Commercial real estate | Residential property
Financing Receivable, Past Due [Line Items]
Still Accruing		0
30 to 59 Days Past Due | Commercial real estate | SBA property
Financing Receivable, Past Due [Line Items]
Still Accruing		0
30 to 59 Days Past Due | Consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	34	47
Nonaccrual	33
30 to 59 Days Past Due | Consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	34
Nonaccrual	33
60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Still Accruing	13	87
Nonaccrual	0
60 to 89 Days Past Due | Commercial real estate
Financing Receivable, Past Due [Line Items]
Still Accruing	0
Nonaccrual	0
60 to 89 Days Past Due | Commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Still Accruing	0
Nonaccrual	0
60 to 89 Days Past Due | Commercial real estate | Business property
Financing Receivable, Past Due [Line Items]
Still Accruing	0
Nonaccrual	0
60 to 89 Days Past Due | Commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Still Accruing		0
60 to 89 Days Past Due | Commercial real estate | Residential property
Financing Receivable, Past Due [Line Items]
Still Accruing		0
60 to 89 Days Past Due | Commercial real estate | SBA property
Financing Receivable, Past Due [Line Items]
Still Accruing		0
60 to 89 Days Past Due | Consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	13	87
Nonaccrual	0
60 to 89 Days Past Due | Consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	13
Nonaccrual	0
90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	51
90 or More Days Past Due | Commercial real estate
Financing Receivable, Past Due [Line Items]
Still Accruing	0
Nonaccrual	51
90 or More Days Past Due | Commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Still Accruing	0
Nonaccrual	0
90 or More Days Past Due | Commercial real estate | Business property
Financing Receivable, Past Due [Line Items]
Still Accruing	0
Nonaccrual	51
90 or More Days Past Due | Commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Still Accruing		0
90 or More Days Past Due | Commercial real estate | Residential property
Financing Receivable, Past Due [Line Items]
Still Accruing		0
90 or More Days Past Due | Commercial real estate | SBA property
Financing Receivable, Past Due [Line Items]
Still Accruing		0
90 or More Days Past Due | Consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	0	$ 0
Nonaccrual	0
90 or More Days Past Due | Consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	0
Nonaccrual	$ 0

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses on Loans - Loan Modifications (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2023 USD ($)
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 11
Percentage to Each Loan Segment	0.10%
Commitments to lend to borrowers	$ 0
Payment default	0
Interest Only
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	11
Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 11
Percentage to Each Loan Segment	0.10%
Commercial and industrial | Interest Only
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 11

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses on Loans - Purchases, Sales, and Transfers (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Transfer of loans to held-for-sale		$ 0
Transfer of loans to held-for-investment	$ 0	$ 0
Purchase of loans held for investment	15,741
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Purchase of loans held for investment	15,741
Consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Purchase of loans held for investment	$ 15,741

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses on Loans - Loans Held-For-Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale, at lower of cost or fair value	$ 14,352	$ 22,811
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale, at lower of cost or fair value	12,919
Commercial real estate | Commercial property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale, at lower of cost or fair value	3,494
Commercial real estate | Business property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale, at lower of cost or fair value	9,425
Commercial real estate | SBA property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale, at lower of cost or fair value		16,473
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale, at lower of cost or fair value	$ 1,433
Commercial and industrial | Commercial lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale, at lower of cost or fair value		4,000
Commercial and industrial | SBA commercial term
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale, at lower of cost or fair value		$ 2,338

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses on Loans - Impaired Loans by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2022
Financing Receivable, Impaired [Line Items]
Impaired financing receivable, with no allowance recorded, recorded investment		$ 3,891
Impaired financing receivable, with no allowance recorded, unpaid principal balance		3,939
Impaired financing receivable, with an allowance recorded, recorded investment		0
Impaired financing receivable, with an allowance recorded, unpaid principal balance		0
Impaired financing receivable, with an allowance recorded, related allowance		0
Average Recorded Investment	$ 1,977
Interest Income	8
Interest Foregone on Impaired Loans [Abstract]
Interest income that would have been recognized had impaired loans performed in accordance with their original terms	26
Less: interest income recognized on impaired loans on a cash basis	(8)
Interest income foregone on impaired loans	18
Commercial real estate | Commercial property
Financing Receivable, Impaired [Line Items]
Impaired financing receivable, with no allowance recorded, recorded investment		2,721
Impaired financing receivable, with no allowance recorded, unpaid principal balance		2,727
Impaired financing receivable, with an allowance recorded, recorded investment		0
Impaired financing receivable, with an allowance recorded, unpaid principal balance		0
Impaired financing receivable, with an allowance recorded, related allowance		0
Average Recorded Investment	325
Interest Income	5
Commercial real estate | Residential property
Financing Receivable, Impaired [Line Items]
Impaired financing receivable, with no allowance recorded, recorded investment		372
Impaired financing receivable, with no allowance recorded, unpaid principal balance		372
Impaired financing receivable, with an allowance recorded, recorded investment		0
Impaired financing receivable, with an allowance recorded, unpaid principal balance		0
Impaired financing receivable, with an allowance recorded, related allowance		0
Average Recorded Investment	461
Interest Income	0
Commercial real estate | SBA property
Financing Receivable, Impaired [Line Items]
Impaired financing receivable, with no allowance recorded, recorded investment		798
Impaired financing receivable, with no allowance recorded, unpaid principal balance		840
Impaired financing receivable, with an allowance recorded, recorded investment		0
Impaired financing receivable, with an allowance recorded, unpaid principal balance		0
Impaired financing receivable, with an allowance recorded, related allowance		$ 0
Average Recorded Investment	979
Interest Income	3
Commercial and industrial | Commercial term
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	1
Interest Income	0
Commercial and industrial | SBA commercial term
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	211
Interest Income	$ 0

Servicing Assets - Narrative (D

Servicing Assets - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022	Dec. 31, 2021
Transfers and Servicing [Abstract]
Total servicing assets	$ 7,345	$ 7,533	$ 7,347	$ 7,269
Loans sold with servicing rights retained	27,100	39,700
Net gain on sale	1,300	3,800
Loan servicing income	$ 860	$ 700

Servicing Assets - Summary of K

Servicing Assets - Summary of Key Assumptions in Fair Value Calculations (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Mar. 31, 2023	Jun. 30, 2022	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Servicing Assets at Fair Value [Line Items]
Carrying amount	$ 7,345		$ 7,347	$ 7,533	$ 7,269
Fair value	$ 9,890		9,828
Discount rate (in percent)
Prepayment speed (in percent)
Weighted-average remaining life
Underlying loans being serviced	$ 540,502		531,095
Residential Mortgage
Servicing Assets at Fair Value [Line Items]
Carrying amount	57		64	76	86
Fair value	$ 112		118
Discount rate (in percent)	9.93%	7.73%
Prepayment speed (in percent)	14.50%	17.10%
Weighted-average remaining life	20 years 7 months 6 days	20 years 9 months 18 days
Underlying loans being serviced	$ 12,016		13,058
SBA property
Servicing Assets at Fair Value [Line Items]
Carrying amount	6,842		6,831	6,984	6,701
Fair value	$ 9,143		9,090
Discount rate (in percent)	12.30%	11.47%
Prepayment speed (in percent)	14.67%	14.82%
Weighted-average remaining life	21 years 3 months 18 days	21 years 4 months 24 days
Underlying loans being serviced	$ 472,376		461,738
SBA commercial term
Servicing Assets at Fair Value [Line Items]
Carrying amount	446		452	$ 473	$ 482
Fair value	$ 635		620
Discount rate (in percent)	15.46%	12.55%
Prepayment speed (in percent)	15.58%	18.93%
Weighted-average remaining life	6 years 9 months 18 days	6 years 8 months 12 days
Underlying loans being serviced	$ 56,110		$ 56,299

Servicing Assets - Summary of C

Servicing Assets - Summary of Changes in Servicing Assets (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Additions	$ 7,347	$ 7,269
Servicing Asset at Amortized Cost, Additions	421	795
Amortization	(423)	(531)
Impairment	0	0
Balance at end of period	7,345	7,533
Residential Mortgage
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Additions	64	86
Servicing Asset at Amortized Cost, Additions	0	0
Amortization	(7)	(10)
Impairment	0	0
Balance at end of period	57	76
SBA property
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Additions	6,831	6,701
Servicing Asset at Amortized Cost, Additions	376	745
Amortization	(365)	(462)
Impairment	0	0
Balance at end of period	6,842	6,984
SBA commercial term
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Additions	452	482
Servicing Asset at Amortized Cost, Additions	45	50
Amortization	(51)	(59)
Impairment	0	0
Balance at end of period	$ 446	$ 473

Operating Leases - Cost and Sup

Operating Leases - Cost and Supplemental Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Leases [Abstract]
Operating lease cost	$ 743	$ 665
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	810	719
Right of use assets obtained in exchange for lease obligations	195	$ 335
Operating leases:
Operating lease assets	5,854		$ 6,358
Operating lease liabilities	$ 6,238		$ 6,809
Weighted-average remaining lease term	4 years 3 months 18 days		4 years 3 months 18 days
Weighted-average discount rate	2.74%		2.66%

Operating Leases - Maturities o

Operating Leases - Maturities of Operating Lease Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Maturities:
2023	$ 1,982
2024	1,374
2025	1,233
2026	870
2027	422
After 2027	845
Total lease payment	6,726
Imputed Interest	(488)
Present value of operating lease liabilities	$ 6,238	$ 6,809

Federal Home Loan Bank Advanc_2

Federal Home Loan Bank Advances and Other Borrowings (Details) - USD ($)	Mar. 31, 2023	Dec. 31, 2022
Debt Instrument [Line Items]
Borrowings from the FHLB	$ 0	$ 20,000,000
Weighted average interest rate		4.65%
Loans pledged to secure borrowings	1,200,000,000	$ 1,160,000,000
Additional borrowing capacity	605,000,000	561,700,000
FHLB of San Francisco
Debt Instrument [Line Items]
Investment in capital stock of the FHLB	10,000,000	$ 10,000,000
FHLB Advances
Debt Instrument [Line Items]
Unused borrowing capacity	29,800,000
Loans pledged as collateral	37,200,000
Borrowings outstanding	0
Overnight federal funds lines, maximum borrowing capacity	$ 65,000,000

Shareholders_ Equity - Narrativ

Shareholders’ Equity - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended	8 Months Ended
	May 24, 2022	Mar. 31, 2023	Mar. 31, 2023	Dec. 31, 2022	Jul. 28, 2022
Equity, Class of Treasury Stock [Line Items]
Number of shares authorized to be repurchased (in shares)					747,938
Repurchase of common stock (in shares)			747,938
Repurchase of common stock (in dollars per share)			$ 18.15
Repurchase of common stock		$ 6,845	$ 13,600
Maximum
Equity, Class of Treasury Stock [Line Items]
Number of shares authorized to be repurchased as a percent of common stock outstanding (as a percent)					5%
Series C Preferred Stock
Equity, Class of Treasury Stock [Line Items]
Issuance of preferred stock (in shares)	69,141
Preferred stock, liquidation preference per share (in dollars per share)	$ 1,000	$ 1,000	$ 1,000	$ 1,000
Value of new shares issued	$ 69,100
Minimum period for stock redemption	5 years
Preferred stock annual dividend rate (as a percent)	2%

Share-Based Compensation - Narr

Share-Based Compensation - Narrative (Details) - Stock options - shares	Mar. 31, 2023	Jul. 25, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Authorized options to purchase (in shares)		1,114,446
Shares available for future grants (in shares)	411,670

Share-Based Compensation - Shar

Share-Based Compensation - Share-based Compensation Expense (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation	$ 120	$ 141
Related tax benefits	25	29
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation	36	47
Restricted stock awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation	$ 84	$ 94

Share-Based Compensation - Unre

Share-Based Compensation - Unrecognized Share-based Compensation Expense (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2023 USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options	$ 281
Restricted stock awards	679
Total unrecognized share-based compensation expense	$ 960
Weighted-Average Remaining Expected Recognition Period	2 years 10 months 24 days
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-Average Remaining Expected Recognition Period	3 years 2 months 12 days
Restricted stock awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-Average Remaining Expected Recognition Period	2 years 9 months 18 days

Share-Based Compensation - Opti

Share-Based Compensation - Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Number of Shares
Outstanding at beginning of period (in shares)	566,637
Exercised (in shares)	(57,777)
Outstanding at end of year (in shares)	508,860	566,637
Exercisable (in shares)	420,860
Weighted-Average Exercise Price Per Share
Weighted-Average Exercise Price Per Share, Outstanding at beginning of period (in dollars per share)	$ 12.49
Weighted-Average Exercise Price Per Share, Exercised (in dollars per share)	7.78
Weighted-Average Exercise Price Per Share, Outstanding at ending of period (in dollars per share)	13.03	$ 12.49
Weighted-Average Exercise Price Per Share, Exercisable (in dollars per share)	$ 11.84
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Weighted-Average Contractual Term, Outstanding	4 years 1 month 6 days	4 years 1 month 6 days
Weighted-Average Contractual Term, Exercised	1 year 3 months 18 days
Weighted-Average Contractual Term, Exercisable	3 years 3 months 18 days
Aggregate Intrinsic Value, Balance	$ 745	$ 2,946
Aggregate Intrinsic Value, Exercisable	$ 1,115

Share-Based Compensation - Nonv

Share-Based Compensation - Nonvested Options (Details) - Non-Vested Stock Options	3 Months Ended
	Mar. 31, 2023 $ / shares shares
Number of Shares
Outstanding at beginning of period (in shares) | shares	94,000
Vested (in shares) | shares	(6,000)
Outstanding at end of period (in shares) | shares	88,000
Weighted-Average Exercise Price Per Share
Weighted-Average Exercise Price Per Share, Outstanding, beginning balance (in dollars per share) | $ / shares	$ 18.95
Weighted-Average Exercise Price Per Share, Vested (in dollars per share) | $ / shares	22.61
Weighted-Average Exercise Price Per Share, Outstanding, ending balance (in dollars per share) | $ / shares	$ 18.70

Share-Based Compensation - Rest

Share-Based Compensation - Restricted Stock Awards (Details) - Restricted stock awards	3 Months Ended
	Mar. 31, 2023 $ / shares shares
Number of Shares
Outstanding at beginning of period (in shares) | shares	62,022
Vested (in shares) | shares	(16,261)
Outstanding at end of period (in shares) | shares	45,761
Weighted-Average Grant Date Fair Value Per Share
Weighted-Average Exercise Price Per Share, Outstanding, beginning balance (in dollars per share) | $ / shares	$ 16.59
Weighted-Average Exercise Price Per Share, Vested (in dollars per share) | $ / shares	13.93
Weighted-Average Exercise Price Per Share, Outstanding, ending balance (in dollars per share) | $ / shares	$ 17.53

Income Taxes (Details)

Income Taxes (Details) - USD ($)	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Income Tax Disclosure [Abstract]
Income tax expense	$ 4,162,000	$ 4,159,000
Effective tax rate	28.80%	28.90%
Unrecognized tax benefits	$ 0		$ 0

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Basic earnings per share:
Net income	$ 10,297	$ 10,240
Less: income allocated to unvested restricted stock	(33)	(48)
Net income allocated to common stock	$ 10,264	$ 10,192
Weighted-average total common shares outstanding (in shares)	14,465,833	14,918,594
Less: weighted-average unvested restricted stock (in shares)	(46,678)	(70,580)
Weighted-average common shares outstanding, basic (in shares)	14,419,155	14,848,014
Basic earnings per share (in dollars per share)	$ 0.71	$ 0.69
Diluted earnings per share:
Net income allocated to common stock	$ 10,264	$ 10,192
Weighted-average common shares outstanding, basic (in shares)	14,419,155	14,848,014
Diluted effect of stock options (in shares)	155,774	293,679
Weighted-average common shares outstanding, diluted (in shares)	14,574,929	15,141,693
Diluted earnings per share (in shares)	$ 0.70	$ 0.67
Number of shares excluded from EPS calculation (in shares)	93,700	60,000

Off-Balance Sheet Credit Expo_3

Off-Balance Sheet Credit Exposures, Commitments and Other Contingencies - Outstanding Financial Commitments (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Fixed Rate
Other Commitments [Line Items]
Outstanding financial commitments whose contractual amount represents credit risk	$ 5,559	$ 6,798
Fixed Rate | Unused lines of credit
Other Commitments [Line Items]
Outstanding financial commitments whose contractual amount represents credit risk	2,142	3,117
Fixed Rate | Unfunded loan commitments
Other Commitments [Line Items]
Outstanding financial commitments whose contractual amount represents credit risk	399	692
Fixed Rate | Standby letters of credit
Other Commitments [Line Items]
Outstanding financial commitments whose contractual amount represents credit risk	3,018	2,989
Fixed Rate | Commercial letters of credit
Other Commitments [Line Items]
Outstanding financial commitments whose contractual amount represents credit risk	0	0
Variable Rate
Other Commitments [Line Items]
Outstanding financial commitments whose contractual amount represents credit risk	319,964	292,067
Variable Rate | Unused lines of credit
Other Commitments [Line Items]
Outstanding financial commitments whose contractual amount represents credit risk	277,223	251,178
Variable Rate | Unfunded loan commitments
Other Commitments [Line Items]
Outstanding financial commitments whose contractual amount represents credit risk	40,359	38,486
Variable Rate | Standby letters of credit
Other Commitments [Line Items]
Outstanding financial commitments whose contractual amount represents credit risk	1,901	1,901
Variable Rate | Commercial letters of credit
Other Commitments [Line Items]
Outstanding financial commitments whose contractual amount represents credit risk	$ 481	$ 502

Off-Balance Sheet Credit Expo_4

Off-Balance Sheet Credit Exposures, Commitments and Other Contingencies - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2023		Dec. 31, 2022		Dec. 31, 2021	Jan. 01, 2023	Mar. 31, 2022
Other Commitments [Line Items]
ACL on off-balance sheet credit exposures	$ 24,694	[1]	$ 24,942	[1]	$ 22,381	$ 24,942	$ 21,198
Data breach expense	0		220		$ 100
SEC Schedule, 12-09, Reserve, Off-balance Sheet Activity
Other Commitments [Line Items]
Reserve for off-balance sheet items	$ 1,500		299
Impact of ASC 326 Adoption
Other Commitments [Line Items]
ACL on off-balance sheet credit exposures			$ 1,067			$ 1,067
Unfunded loan commitments
Other Commitments [Line Items]
Maturity term	90 days
Unfunded loan commitments | SBA Loans
Other Commitments [Line Items]
Maturity term	180 days
[1]Allowance for credit losses on loans at March 31, 2023 is presented under ASC 326, while prior period comparison continues to be presented under legacy ASC 450 and ASC 310.

Regulatory Matters - Narrative

Regulatory Matters - Narrative (Details)	Mar. 31, 2023	Dec. 31, 2022
PCB Bancorp
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Capital conservation buffer	8.59%	8.79%
PCB Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Capital conservation buffer	9.27%	9.52%

Regulatory Matters - Schedule o

Regulatory Matters - Schedule of Regulatory Capital Amounts and Ratios (Details) $ in Thousands	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
PCB Bancorp
Actual
Common tier 1 capital (to risk-weighted assets), amount	$ 276,325	$ 276,360
Common tier 1 capital (to risk-weighted assets), ratio	0.1309	0.1329
Total capital (to risk-weighted assets), amount	$ 371,705	$ 370,742
Total capital (to risk-weighted assets), ratio	0.1761	0.1783
Tier 1 capital (to risk-weighted assets), amount	$ 345,466	$ 345,501
Tier 1 capital (to risk-weighted assets), ratio	0.1637	0.1662
Tier 1 capital (to average assets), amount	$ 345,466	$ 345,501
Tier 1 capital (to average assets), ratio	0.1390	0.1433
Minimum Capital Requirement
Common tier 1 capital (to risk-weighted assets), amount	$ 94,993	$ 93,554
Common tier 1 capital (to risk-weighted assets), ratio	4.50%	4.50%
Total capital (to risk-weighted assets), amount	$ 168,876	$ 166,319
Total capital (to risk-weighted assets), ratio	0.080	0.080
Tier 1 capital (to risk-weighted assets), amount	$ 126,657	$ 124,739
Tier 1 capital (to risk-weighted assets), ratio	0.060	0.060
Tier 1 capital (to average assets), amount	$ 99,389	$ 96,472
Tier 1 capital (to average assets), ratio	0.040	0.040
PCB Bank
Actual
Common tier 1 capital (to risk-weighted assets), amount	$ 338,319	$ 338,891
Common tier 1 capital (to risk-weighted assets), ratio	0.1603	0.1630
Total capital (to risk-weighted assets), amount	$ 364,559	$ 364,132
Total capital (to risk-weighted assets), ratio	0.1727	0.1752
Tier 1 capital (to risk-weighted assets), amount	$ 338,319	$ 338,891
Tier 1 capital (to risk-weighted assets), ratio	0.1603	0.1630
Tier 1 capital (to average assets), amount	$ 338,319	$ 338,891
Tier 1 capital (to average assets), ratio	0.1362	0.1405
Minimum Capital Requirement
Common tier 1 capital (to risk-weighted assets), amount	$ 94,990	$ 93,553
Common tier 1 capital (to risk-weighted assets), ratio	4.50%	4.50%
Total capital (to risk-weighted assets), amount	$ 168,871	$ 166,316
Total capital (to risk-weighted assets), ratio	0.080	0.080
Tier 1 capital (to risk-weighted assets), amount	$ 126,653	$ 124,737
Tier 1 capital (to risk-weighted assets), ratio	0.060	0.060
Tier 1 capital (to average assets), amount	$ 99,387	$ 96,469
Tier 1 capital (to average assets), ratio	0.040	0.040
To Be Well Capitalized Under Prompt Corrective Provisions
Common tier 1 capital (to risk-weighted assets), amount	$ 137,208	$ 135,131
Common tier 1 capital (to risk-weighted assets), ratio	6.50%	6.50%
Total capital (to risk-weighted assets), amount	$ 211,089	$ 207,895
Total capital (to risk-weighted assets), ratio	0.100	0.100
Tier 1 capital (to risk-weighted assets), amount	$ 168,871	$ 166,316
Tier 1 capital (to risk-weighted assets), ratio	0.080	0.080
Tier 1 capital (to average assets), amount	$ 124,233	$ 120,586
Tier 1 capital (to average assets), ratio	0.050	0.050

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Disaggregation of Revenue [Line Items]
Total	$ 609	$ 591
Total service charges and fees on deposits
Disaggregation of Revenue [Line Items]
Total	344	303
Monthly service fees
Disaggregation of Revenue [Line Items]
Total	26	21
Account analysis fees
Disaggregation of Revenue [Line Items]
Total	225	215
Non-sufficient funds charges
Disaggregation of Revenue [Line Items]
Total	72	47
Other deposit related fees
Disaggregation of Revenue [Line Items]
Total	21	20
Debit card fees
Disaggregation of Revenue [Line Items]
Total	73	84
Gain (loss) on sale of other real estate owned
Disaggregation of Revenue [Line Items]
Total	0	0
Wire transfer fees
Disaggregation of Revenue [Line Items]
Total	144	159
Other service charges
Disaggregation of Revenue [Line Items]
Total	$ 48	$ 45

Subsequent Events (Details)

Subsequent Events (Details) - $ / shares		3 Months Ended
	Apr. 27, 2023	Mar. 31, 2023	Mar. 31, 2022
Subsequent Event [Line Items]
Cash dividends declared on common stock (in dollars per share)		$ 0.15	$ 0.15
Subsequent Event
Subsequent Event [Line Items]
Cash dividends declared on common stock (in dollars per share)	$ 0.18