PCB Bancorp (PCB) 10-Q 7 Nov 24 2024 Q3 Quarterly report Financial data

Cover

Cover - shares	9 Months Ended
	Sep. 30, 2024	Oct. 31, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
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	Non-accelerated Filer
Entity small business	true
Entity emerging growth company	false
Entity shell company	false
Entity Common Stock, Shares Outstanding		14,266,725
Current Fiscal Year End Date	--12-31
Amendment Flag	false
Entity Central Index Key	0001423869
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 29,981,000	$ 26,518,000
Interest-bearing deposits in other financial institutions	163,083,000	215,824,000
Total cash and cash equivalents	193,064,000	242,342,000
Securities available-for-sale, at fair value (amortized cost of $156,960 and $156,175, respectively, and allowance for credit losses of $0 and $0, respectively, at September 30, 2024 and December 31, 2023)	147,635,000	143,323,000
Loans held-for-sale, at lower of cost or fair value	5,170,000	5,155,000
Loans held-for-investment, net of deferred fees and costs	2,466,174,000	2,323,452,000
Allowance for credit losses on loans	(28,930,000)	(27,533,000)
Net loans held-for-investment	2,437,244,000	2,295,919,000
Premises and equipment, net	8,414,000	5,999,000
Federal Home Loan Bank and other restricted stock, at cost	14,042,000	12,716,000
Other real estate owned, net	466,000	2,558,000
Bank-owned life insurance	31,520,000	30,817,000
Servicing assets	5,902,000	6,666,000
Operating lease assets	17,932,000	18,913,000
Accrued interest receivable	9,896,000	9,468,000
Other assets	18,548,000	15,630,000
Total assets	2,889,833,000	2,789,506,000
Deposits:
Noninterest-bearing demand	540,068,000	594,673,000
Savings, NOW and money market accounts	491,939,000	421,203,000
Time deposits of $250,000 or less	787,509,000	760,034,000
Time deposits of more than $250,000	640,166,000	575,702,000
Total deposits	2,459,682,000	2,351,612,000
Federal Home Loan Bank advances	0	39,000,000
Deferred tax liabilities, net	1,168,000	876,000
Operating lease liabilities	19,301,000	20,137,000
Accrued interest payable and other liabilities	47,382,000	29,009,000
Total liabilities	2,527,533,000	2,440,634,000
Commitments and contingencies
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 September 30, 2024 and December 31, 2023, respectively.	69,141,000	69,141,000
Common stock, 60,000,000 shares authorized, no par value; 14,266,725 and 14,260,440 shares issued and outstanding, respectively, and included 19,100 and 41,661 shares of unvested restricted stock, respectively, at September 30, 2024 and December 31, 2023	142,926,000	142,563,000
Retained earnings	156,680,000	146,092,000
Accumulated other comprehensive loss, net	(6,447,000)	(8,924,000)
Total shareholders’ equity	362,300,000	348,872,000
Total liabilities and shareholders’ equity	$ 2,889,833,000	$ 2,789,506,000

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Amortized cost	$ 156,960,000	$ 156,175,000
Allowance for credit losses	$ 0	$ 0
Preferred stock, authorized (in shares)	10,000,000	10,000,000
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
Common stock, authorized (in shares)	60,000,000	60,000,000
Common stock, issued (in shares)	14,266,725	14,260,440
Common stock, outstanding (in shares)	14,266,725	14,260,440
Unvested restricted stock (in shares)	248,000	271,000
Restricted Stock Units (RSUs)
Unvested restricted stock (in shares)	19,100	41,661

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest and dividend income:
Loans, including fees	$ 42,115	$ 34,651	$ 121,992	$ 98,840
Tax-exempt investment securities	24	30	81	97
Taxable investment securities	1,360	1,140	3,859	3,311
Other interest-earning assets	2,499	3,031	8,566	7,978
Total interest income	45,998	38,852	134,498	110,226
Interest expense:
Deposits	23,057	16,403	67,560	43,437
Borrowings	222	0	1,485	209
Total interest expense	23,279	16,403	69,045	43,646
Net interest income	22,719	22,449	65,453	66,580
Provision (reversal) for credit losses	50	751	1,399	(1,830)
Net interest income after provision (reversal) for credit losses	22,669	21,698	64,054	68,410
Noninterest income:
Service charges and fees on deposits	399	371	1,141	1,084
Loan servicing income	786	851	2,504	2,579
Bank-owned life insurance income	239	187	703	551
Gain on sale of loans	750	689	2,591	2,767
Other income	446	404	1,111	1,199
Total noninterest income	2,620	2,502	8,050	8,180
Noninterest expense:
Salaries and employee benefits	8,801	8,572	27,244	26,175
Occupancy and equipment	2,261	1,964	6,919	5,779
Professional fees	599	685	2,656	2,189
Marketing and business promotion	667	980	1,304	1,555
Data processing	397	367	1,294	1,159
Director fees and expenses	226	152	679	549
Regulatory assessments	309	281	934	818
Other expense	1,342	1,206	5,099	3,364
Total noninterest expense	14,602	14,207	46,129	41,588
Income before income taxes	10,687	9,993	25,975	35,002
Income tax expense	2,873	2,970	7,195	10,205
Net income	7,814	7,023	18,780	24,797
Preferred stock dividends	346	0	488	0
Net income available to common shareholders	$ 7,468	$ 7,023	$ 18,292	$ 24,797
Earnings per common share, basic (in dollars per share)	$ 0.52	$ 0.49	$ 1.28	$ 1.73
Earnings per common share, diluted (in dollars per share)	$ 0.52	$ 0.49	$ 1.27	$ 1.71
Weighted-average common shares outstanding, basic (in shares)	14,241,014	14,294,802	14,237,851	14,327,930
Weighted-average common shares outstanding, diluted (in shares)	14,356,384	14,396,216	14,328,510	14,441,960

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income	$ 7,814	$ 7,023	$ 18,780	$ 24,797
Other comprehensive income (loss):
Unrealized gain (loss) on securities available-for-sale arising during the period	5,256	(3,827)	3,527	(4,137)
Income tax benefit (expense) related to items of other comprehensive income (loss)	(1,552)	1,118	(1,050)	1,208
Total other comprehensive income (loss), net of tax	3,704	(2,709)	2,477	(2,929)
Total comprehensive income	$ 11,518	$ 4,314	$ 21,257	$ 21,868

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Total	Cumulative effect adjustment upon adoption of ASC 326	Adjusted beginning balance	Preferred Stock	Preferred Stock Adjusted beginning balance	Common Stock	Common Stock Adjusted beginning balance	Retained Earnings	Retained Earnings Cumulative effect adjustment upon adoption of ASC 326	Retained Earnings Adjusted beginning balance	Accumulated Other Comprehensive Income (Loss)	Accumulated Other Comprehensive Income (Loss) Adjusted beginning balance
Beginning balance, preferred stock (in shares) at Dec. 31, 2022				69,141
Beginning balance, common stock (in shares) at Dec. 31, 2022						14,625,474
Beginning 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)
Comprehensive income (loss)
Net income	24,797							24,797
Other comprehensive income (loss), net of tax	(2,929)										(2,929)
Issuance of restricted stock (in shares)						3,300
Issuance of restricted stock	0
Restricted stock surrendered due to employee tax liability (in shares)						(99)
Restricted stock surrendered due to employee tax liability	(2)					$ (2)
Repurchase of common stock (in shares)						(452,583)
Repurchase of common stock	(7,903)					$ (7,903)
Share-based compensation expense	346					$ 346
Stock options exercised (in shares)						142,922
Stock options exercised	1,329					$ 1,329
Cash dividends declared on common stock	(7,342)							(7,342)
Ending balance, preferred stock (in shares) at Sep. 30, 2023				69,141
Ending balance, common stock (in shares) at Sep. 30, 2023						14,319,014
Ending balance at Sep. 30, 2023	341,852			$ 69,141		$ 143,401		142,750			(13,440)
Beginning balance, preferred stock (in shares) at Dec. 31, 2022				69,141
Beginning balance, common stock (in shares) at Dec. 31, 2022						14,625,474
Beginning 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)
Comprehensive income (loss)
Repurchase of common stock (in shares)	(512,657)
Ending balance, preferred stock (in shares) at Dec. 31, 2023	69,141			69,141
Ending balance, common stock (in shares) at Dec. 31, 2023	14,260,440					14,260,440
Ending balance at Dec. 31, 2023	$ 348,872			$ 69,141		$ 142,563		146,092			(8,924)
Beginning balance, preferred stock (in shares) at Jun. 30, 2023				69,141
Beginning balance, common stock (in shares) at Jun. 30, 2023						14,318,890
Beginning balance at Jun. 30, 2023	340,411			$ 69,141		$ 143,686		138,315			(10,731)
Comprehensive income (loss)
Net income	7,023							7,023
Other comprehensive income (loss), net of tax	(2,709)										(2,709)
Issuance of restricted stock (in shares)						3,300
Issuance of restricted stock	0
Restricted stock surrendered due to employee tax liability (in shares)						(99)
Restricted stock surrendered due to employee tax liability	(2)					$ (2)
Repurchase of common stock (in shares)						(67,202)
Repurchase of common stock	(1,058)					$ (1,058)
Share-based compensation expense	113					$ 113
Stock options exercised (in shares)						64,125
Stock options exercised	662					$ 662
Cash dividends declared on common stock	(2,588)							(2,588)
Ending balance, preferred stock (in shares) at Sep. 30, 2023				69,141
Ending balance, common stock (in shares) at Sep. 30, 2023						14,319,014
Ending balance at Sep. 30, 2023	$ 341,852			$ 69,141		$ 143,401		142,750			(13,440)
Beginning balance, preferred stock (in shares) at Dec. 31, 2023	69,141			69,141
Beginning balance, common stock (in shares) at Dec. 31, 2023	14,260,440					14,260,440
Beginning balance at Dec. 31, 2023	$ 348,872			$ 69,141		$ 142,563		146,092			(8,924)
Comprehensive income (loss)
Net income	18,780							18,780
Other comprehensive income (loss), net of tax	2,477										2,477
Issuance of restricted stock (in shares)						1,500
Issuance of restricted stock	0
Forfeiture of restricted stock (in shares)						(420)
Restricted stock surrendered due to employee tax liability (in shares)						(150)
Restricted stock surrendered due to employee tax liability	$ (3)					$ (3)
Repurchase of common stock (in shares)	(14,947)					(14,947)
Repurchase of common stock	$ (222)					$ (222)
Share-based compensation expense	$ 378					$ 378
Stock options exercised (in shares)	20,302					20,302
Stock options exercised	$ 210					$ 210
Preferred stock dividends	(488)							(488)
Cash dividends declared on common stock	$ (7,704)							(7,704)
Ending balance, preferred stock (in shares) at Sep. 30, 2024	69,141			69,141
Ending balance, common stock (in shares) at Sep. 30, 2024	14,266,725					14,266,725
Ending balance at Sep. 30, 2024	$ 362,300			$ 69,141		$ 142,926		156,680			(6,447)
Beginning balance, preferred stock (in shares) at Jun. 30, 2024				69,141
Beginning balance, common stock (in shares) at Jun. 30, 2024						14,254,024
Beginning balance at Jun. 30, 2024	353,469			$ 69,141		$ 142,698		151,781			(10,151)
Comprehensive income (loss)
Net income	7,814							7,814
Other comprehensive income (loss), net of tax	3,704										3,704
Issuance of restricted stock (in shares)						1,500
Issuance of restricted stock	0
Restricted stock surrendered due to employee tax liability (in shares)						(150)
Restricted stock surrendered due to employee tax liability	(3)					$ (3)
Share-based compensation expense	$ 113					$ 113
Stock options exercised (in shares)	11,351					11,351
Stock options exercised	$ 118					$ 118
Preferred stock dividends	(346)							(346)
Cash dividends declared on common stock	$ (2,569)							(2,569)
Ending balance, preferred stock (in shares) at Sep. 30, 2024	69,141			69,141
Ending balance, common stock (in shares) at Sep. 30, 2024	14,266,725					14,266,725
Ending balance at Sep. 30, 2024	$ 362,300			$ 69,141		$ 142,926		$ 156,680			$ (6,447)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) (Unaudited) $ in Thousands	9 Months Ended
	Sep. 30, 2023 USD ($) $ / shares
Statement of Stockholders' Equity [Abstract]
Cash dividends declared (in dollars per share) | $ / shares	$ 0.51
Restricted stock surrendered due to employee tax liability | $	$ (2)
Accounting Standards Update [Extensible Enumeration]	Accounting Standards Update 2016-13 [Member]

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash flows from operating activities
Net income	$ 18,780	$ 24,797
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation of premises and equipment	1,677	1,699
Net amortization of premiums on securities	123	169
Net accretion of discounts on loans	(2,137)	(2,197)
Net accretion of deferred loan fees	(919)	(648)
Amortization of servicing assets	1,372	1,344
Provision (reversal) for credit losses	1,399	(1,830)
Bank-owned life insurance income	(703)	(551)
Deferred tax expense (benefit)	(459)	625
Stock-based compensation	378	346
Gain on sale of loans	(2,591)	(2,767)
Originations of loans held-for-sale	(48,328)	(49,753)
Proceeds from sales of and principal collected on loans held-for-sale	51,761	65,550
Change in accrued interest receivable and other assets	(3,409)	2,100
Change in accrued interest payable and other liabilities	17,818	14,566
Net cash provided by operating activities	34,762	53,450
Cash flows from investing activities
Purchase of securities available-for-sale	(14,774)	(15,959)
Proceeds from maturities and paydowns of securities available-for-sale	13,866	14,298
Proceeds from principal collected on loans held-for-sale previously classified as held-for-investment	676	5,074
Net change in loans held-for-investment	(141,948)	(104,439)
Purchase of loans held-for-investment	0	(15,741)
Purchase of Federal Home Loan Bank stock	(1,326)	(2,533)
Proceeds from sale of other real estate owned	2,571	0
Purchases of premises and equipment	(4,029)	(1,059)
Net cash used in investing activities	(144,964)	(120,359)
Cash flows from financing activities
Net change in deposits	108,070	146,146
Net change in short-term Federal Home Loan Bank advances and other borrowings	0	(20,000)
Proceeds from long-term Federal Home Loan Bank advances	50,000	0
Repayment of long-term Federal Home Loan Bank advances	(89,000)	0
Stock options exercised	210	1,329
Restricted stock surrendered due to employee tax liability	(3)	(2)
Repurchase of common stock	(222)	(7,903)
Cash dividends paid on preferred stock	(427)	0
Cash dividends paid on common stock	(7,704)	(7,342)
Net cash provided by financing activities	60,924	112,228
Net increase (decrease) in cash and cash equivalents	(49,278)	45,319
Cash and cash equivalents at beginning of period	242,342	147,031
Cash and cash equivalents at end of period	193,064	192,350
Supplemental disclosures of cash flow information:
Interest paid	59,112	28,008
Income taxes paid	4,187	4,023
Supplemental disclosures of non-cash investment activities:
Loans transferred to loans held-for-sale	676	0
Loans transferred to other real estate owned	94	0
Right of use assets obtained in exchange for lease obligations	$ 973	$ 1,360

Basis of Presentation and Signi

Basis of Presentation and Significant Accounting Policies	9 Months Ended
	Sep. 30, 2024
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. As of September 30, 2024, 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 four loan production offices (“LPOs”) in Los Angeles and Orange Counties, California; Atlanta, Georgia; and Bellevue, Washington. 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, 2023 filed by the Company with the SEC. The December 31, 2023 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, 2023 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 and nine months ended September 30, 2024 are not necessarily indicative of the results that may be expected for the year ending December 31, 2024. Principles of Consolidation The consolidated financial statements include the accounts of PCB Bancorp and its wholly owned subsidiary as of September 30, 2024 and December 31, 2023, and for the three and nine months ended September 30, 2024 and 2023. 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. 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, 2023 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 nine months ended September 30, 2024, there were no significant accounting pronouncements applicable to the Company that were adopted or became effective. Recent Accounting Pronouncements Not Yet Adopted The following recently issued accounting pronouncement applicable to the Company has not yet been adopted: In December 2023, the FASB issued ASU 2023-09, “Income Taxes (Topic 780) - Improvements to Income Tax Disclosures.” The amendments in this ASU require public entities to disclose in their rate reconciliation table additional categories of information about federal, state and foreign income taxes and to provide more details about the reconciling items in some categories if items meet a quantitative threshold. This ASU also requires all entities to disclose income taxes paid, net of refunds, disaggregated by federal, state and foreign taxes for annual periods and to disaggregate the information by jurisdiction based on a quantitative threshold, among other things. This ASU is effective for the Company for fiscal years beginning after December 15, 2024 with early adoption permitted. The Company will update its income tax disclosure upon adoption.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2024
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, loans individually evaluated, 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 September 30, 2024 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ — $ 112,153 $ — $ 112,153 Residential collateralized mortgage obligations — 22,386 — 22,386 SBA loan pool securities — 6,431 — 6,431 Municipal bonds — 2,473 — 2,473 Corporate bonds — 4,192 — 4,192 Total securities available-for-sale — 147,635 — 147,635 Total assets measured at fair value on a recurring basis $ — $ 147,635 $ — $ 147,635 Total liabilities measured at fair value on a recurring basis $ — $ — $ — $ — December 31, 2023 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ — $ 104,091 $ — $ 104,091 Residential collateralized mortgage obligations — 24,173 — 24,173 SBA loan pool securities — 7,450 — 7,450 Municipal bonds — 3,329 — 3,329 Corporate bonds — 4,280 — 4,280 Total securities available-for-sale — 143,323 — 143,323 Total assets measured at fair value on a recurring basis $ — $ 143,323 $ — $ 143,323 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 September 30, 2024 Loans individually evaluated: Business property $ — $ — $ 1,274 $ 1,274 Commercial and industrial — — 16 16 Total loans individually evaluated — — 1,290 1,290 Total assets measured at fair value on a non-recurring basis $ — $ — $ 1,290 $ 1,290 Total liabilities measured at fair value on a non-recurring basis $ — $ — $ — $ — December 31, 2023 Loans individually evaluated: Business property $ — $ — $ 425 $ 425 Total loans individually evaluated — — 425 425 Total assets measured at fair value on a non-recurring basis $ — $ — $ 425 $ 425 Total liabilities measured at fair value on a non-recurring basis $ — $ — $ — $ — 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) Weighted-Average September 30, 2024 Loans individually evaluated: Business property $ 1,274 Fair value of collateral Selling cost 6% Commercial and industrial 16 Discounted cash flow NM NM December 31, 2023 Loans individually evaluated: Business property $ 425 Fair value of collateral NM NM 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 September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Loans individually evaluated: Business property $ 3 $ (15) $ 47 $ (47) Commercial and industrial (1) — 31 1,074 Net gains (losses) recognized $ 2 $ (15) $ 78 $ 1,027 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 September 30, 2024 Financial assets: Interest-bearing deposits in other financial institutions $ 163,083 $ 163,083 $ 163,083 $ — $ — Securities available-for-sale 147,635 147,635 — 147,635 — Loans held-for-sale 5,170 5,625 — 5,625 — Net loans held-for-investment 2,437,244 2,382,466 — — 2,382,466 Federal Home Loan Bank (“FHLB”) and other restricted stock 14,042 N/A N/A N/A N/A Accrued interest receivable 9,896 9,896 275 488 9,133 Financial liabilities: Deposits $ 2,459,682 $ 2,466,010 $ — $ — $ 2,466,010 Accrued interest payable 27,985 27,985 — — 27,985 December 31, 2023 Financial assets: Interest-bearing deposits in other financial institutions $ 215,824 $ 215,824 $ 215,824 $ — $ — Securities available-for-sale 143,323 143,323 — 143,323 — Loans held-for-sale 5,155 5,472 — 5,472 — Net loans held-for-investment 2,295,919 2,225,573 — — 2,225,573 FHLB and other restricted stock 12,716 N/A N/A N/A N/A Accrued interest receivable 9,468 9,468 128 513 8,827 Financial liabilities: Deposits $ 2,351,612 $ 2,353,465 $ — $ — $ 2,353,465 FHLB advances 39,000 39,013 — 39,013 — Accrued interest payable 18,052 18,052 — 192 17,860

Investment Securities

Investment Securities	9 Months Ended
	Sep. 30, 2024
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 September 30, 2024 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 119,363 $ 692 $ (7,902) $ 112,153 Residential collateralized mortgage obligations 23,459 101 (1,174) 22,386 SBA loan pool securities 6,688 2 (259) 6,431 Municipal bonds 2,450 23 — 2,473 Corporate bonds 5,000 — (808) 4,192 Total securities available-for-sale $ 156,960 $ 818 $ (10,143) $ 147,635 December 31, 2023 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 114,485 $ 199 $ (10,593) $ 104,091 Residential collateralized mortgage obligations 25,611 63 (1,501) 24,173 SBA loan pool securities 7,773 3 (326) 7,450 Municipal bonds 3,306 25 (2) 3,329 Corporate bonds 5,000 — (720) 4,280 Total securities available-for-sale $ 156,175 $ 290 $ (13,142) $ 143,323 As of September 30, 2024 and December 31, 2023, pledged securities were $75.4 million and $70.9 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 $488 thousand and $513 thousand at September 30, 2024 and December 31, 2023, respectively. As of September 30, 2024 and December 31, 2023, there were no holdings of securities available-for-sale of any one issuer, other than the U.S. government agency and U.S. government sponsored enterprise, in an amount greater than 10% of shareholder’s equity. The following table presents the amortized cost and fair value of the securities available-for-sale by contractual maturity as of the date indicated. Expected maturities may differ from contractual maturities, if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately. September 30, 2024 ($ in thousands) Amortized Cost Fair Value Within one year $ — $ — One to five years 82 83 Five to ten years 6,097 5,297 Greater than ten years 1,271 1,285 Residential mortgage-backed securities, residential collateralized mortgage obligations and SBA loan pool securities 149,510 140,970 Total $ 156,960 $ 147,635 The Company had no proceeds from sales and calls of securities available-for-sale for the three and nine months ended September 30, 2024 or 2023. 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 allowance for credit losses (“ACL”) was not 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 September 30, 2024 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 59 $ (1) 3 $ 72,529 $ (7,901) 108 $ 72,588 $ (7,902) 111 Residential collateralized mortgage obligations 991 (3) 1 14,206 (1,171) 36 15,197 (1,174) 37 SBA loan pool securities 55 — 1 5,705 (259) 13 5,760 (259) 14 Corporate bonds — — — 4,192 (808) 1 4,192 (808) 1 Total securities available-for-sale $ 1,105 $ (4) 5 $ 96,632 $ (10,139) 158 $ 97,737 $ (10,143) 163 December 31, 2023 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 9,252 $ (41) 8 $ 78,958 $ (10,552) 110 $ 88,210 $ (10,593) 118 Residential collateralized mortgage obligations 5,660 (62) 4 13,919 (1,439) 35 19,579 (1,501) 39 SBA loan pool securities — — — 6,627 (326) 14 6,627 (326) 14 Municipal bonds 81 — 1 362 (2) 1 443 (2) 2 Corporate bonds — — — 4,280 (720) 1 4,280 (720) 1 Total securities available-for-sale $ 14,993 $ (103) 13 $ 104,146 $ (13,040) 161 $ 119,139 $ (13,142) 174 As of September 30, 2024, 95.3%, 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 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 September 30, 2024. These securities have fluctuated in value since their purchase dates as market interest rates fluctuated. Additionally, the Company continues to receive contractual principal and interest payments in a timely manner. 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 therefore determined that the investment securities with unrealized losses did not warrant an ACL as of September 30, 2024. As of September 30, 2024, the Company recorded no ACL on securities available-for-sale.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses on Loans	9 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Loans and Allowance for Credit Losses on Loans	Loans and Allowance for Credit Losses on Loans 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) September 30, 2024 December 31, 2023 Commercial real estate: Commercial property $ 874,824 $ 855,270 Business property 579,461 558,772 Multifamily 185,485 132,500 Construction 21,150 24,843 Total commercial real estate 1,660,920 1,571,385 Commercial and industrial 407,024 342,002 Consumer: Residential mortgage 383,377 389,420 Other consumer 14,853 20,645 Total consumer 398,230 410,065 Loans held-for-investment 2,466,174 2,323,452 Allowance for credit losses on loans (28,930) (27,533) Net loans held-for-investment $ 2,437,244 $ 2,295,919 Allowance for Credit Losses on Loans The following table presents a composition of provision (reversal) for credit losses for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Provision (reversal) for credit losses on loans $ 193 $ 822 $ 1,444 $ (1,438) Provision (reversal) for credit losses on off-balance sheet credit exposures (143) (71) (45) (392) Total provision (reversal) for credit losses $ 50 $ 751 $ 1,399 $ (1,830) The following tables present the activities in ACL on loans for the periods indicated: ($ in thousands) Commercial Property Business Property Multifamily Construction Commercial and Industrial Residential Mortgage Other Consumer Total Balance at July 1, 2024 $ 11,900 $ 4,848 $ 1,661 $ 131 $ 7,186 $ 2,957 $ 64 $ 28,747 Charge-offs — (104) — — — — (7) (111) Recoveries — 1 — — 8 — 92 101 Provision (reversal) for credit losses on loans (1,515) 779 (14) (38) 1,056 6 (81) 193 Balance at September 30, 2024 $ 10,385 $ 5,524 $ 1,647 $ 93 $ 8,250 $ 2,963 $ 68 $ 28,930 Balance at July 1, 2023 $ 9,601 $ 6,077 $ 1,259 $ 125 $ 6,513 $ 1,216 $ 76 $ 24,867 Charge-offs — — — — (45) — (67) (112) Recoveries — 2 — — 8 — 12 22 Provision (reversal) for credit losses on loans 1,747 (1,922) 554 (30) (468) 877 64 822 Balance at September 30, 2023 $ 11,348 $ 4,157 $ 1,813 $ 95 $ 6,008 $ 2,093 $ 85 $ 25,599 ($ in thousands) Commercial Property Business Property Multifamily Construction Commercial and Industrial Residential Mortgage Other Consumer Total Balance at January 1, 2024 $ 12,665 $ 4,739 $ 1,441 $ 135 $ 6,245 $ 2,226 $ 82 $ 27,533 Charge-offs — (104) — — (155) — (37) (296) Recoveries — 3 — — 87 — 159 249 Provision (reversal) for credit losses on loans (2,280) 886 206 (42) 2,073 737 (136) 1,444 Balance at September 30, 2024 $ 10,385 $ 5,524 $ 1,647 $ 93 $ 8,250 $ 2,963 $ 68 $ 28,930 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 — (4) — — (45) — (70) (119) Recoveries — 8 — — 1,100 — 39 1,147 Provision (reversal) for credit losses on loans 4,608 (2,492) 423 (56) (4,893) 936 36 (1,438) Balance at September 30, 2023 $ 11,348 $ 4,157 $ 1,813 $ 95 $ 6,008 $ 2,093 $ 85 $ 25,599 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 summarizes the Company’s loans held-for-investment by loan segment, internal risk ratings and vintage year as of September 30, 2024 and gross write offs for the nine months ended September 30, 2024. 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 the Term Loans by Origination Year columns. Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term ($ in thousands) 2024 2023 2022 2021 2020 Prior Total September 30, 2024 Commercial Real Estate: Commercial property Pass $ 90,144 $ 143,673 $ 260,646 $ 149,104 $ 77,092 $ 130,013 $ 20,556 $ 387 $ 871,615 Special mention — — — — — — — — — Substandard — 133 410 — — 2,666 — — 3,209 Doubtful — — — — — — — — — Total $ 90,144 $ 143,806 $ 261,056 $ 149,104 $ 77,092 $ 132,679 $ 20,556 $ 387 $ 874,824 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Business property Pass $ 65,709 $ 100,737 $ 95,856 $ 151,769 $ 45,463 $ 105,797 $ 2,256 $ 3,780 $ 571,367 Special mention — — 5,057 — — — — — 5,057 Substandard — — 448 865 — 1,724 — — 3,037 Doubtful — — — — — — — — — Total $ 65,709 $ 100,737 $ 101,361 $ 152,634 $ 45,463 $ 107,521 $ 2,256 $ 3,780 $ 579,461 Current period gross write offs $ — $ — $ 77 $ — $ — $ 27 $ — $ — $ 104 Multifamily Pass $ 19,920 $ 53,051 $ 40,063 $ 38,358 $ 25,937 $ 5,117 $ 1,001 $ — $ 183,447 Special mention — — — — — — — — — Substandard — — — 2,038 — — — — 2,038 Doubtful — — — — — — — — — Total $ 19,920 $ 53,051 $ 40,063 $ 40,396 $ 25,937 $ 5,117 $ 1,001 $ — $ 185,485 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Construction Pass $ 29 $ 8,461 $ 12,660 $ — $ — $ — $ — $ — $ 21,150 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ 29 $ 8,461 $ 12,660 $ — $ — $ — $ — $ — $ 21,150 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term ($ in thousands) 2024 2023 2022 2021 2020 Prior Total September 30, 2024 (Continued) Commercial and Industrial Pass $ 28,303 $ 35,694 $ 23,060 $ 9,848 $ 3,423 $ 9,009 $ 294,168 $ 3,395 $ 406,900 Special mention — — — — — — — — — Substandard — — — — — 124 — — 124 Doubtful — — — — — — — — — Total $ 28,303 $ 35,694 $ 23,060 $ 9,848 $ 3,423 $ 9,133 $ 294,168 $ 3,395 $ 407,024 Current period gross write offs $ — $ — $ — $ — $ — $ 5 $ — $ 150 $ 155 Consumer Residential mortgage Pass $ 17,670 $ 75,436 $ 154,579 $ 74,455 $ 10,913 $ 49,910 $ — $ — $ 382,963 Special mention — — — — — — — — — Substandard — — — — — 414 — — 414 Doubtful — — — — — — — — — Total $ 17,670 $ 75,436 $ 154,579 $ 74,455 $ 10,913 $ 50,324 $ — $ — $ 383,377 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Other consumer Pass $ 274 $ 3,331 $ 5,007 $ 1,894 $ 565 $ 50 $ 3,694 $ — $ 14,815 Special mention — — — — — — — — — Substandard — 38 — — — — — — 38 Doubtful — — — — — — — — — Total $ 274 $ 3,369 $ 5,007 $ 1,894 $ 565 $ 50 $ 3,694 $ — $ 14,853 Current period gross write offs $ — $ 12 $ 15 $ — $ 10 $ — $ — $ — $ 37 Total loans held-for-investment Pass $ 222,049 $ 420,383 $ 591,871 $ 425,428 $ 163,393 $ 299,896 $ 321,675 $ 7,562 $ 2,452,257 Special mention — — 5,057 — — — — — 5,057 Substandard — 171 858 2,903 — 4,928 — — 8,860 Doubtful — — — — — — — — — Total $ 222,049 $ 420,554 $ 597,786 $ 428,331 $ 163,393 $ 304,824 $ 321,675 $ 7,562 $ 2,466,174 Current period gross write offs $ — $ 12 $ 92 $ — $ 10 $ 32 $ — $ 150 $ 296 The following table summarizes the Company’s loans held-for-investment by loan segment, internal risk ratings and vintage year as of December 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 December 31, 2023 Commercial Real Estate: Commercial property Pass $ 154,563 $ 268,369 $ 155,817 $ 83,461 $ 70,425 $ 107,879 $ 8,807 $ — $ 849,321 Special mention — — 484 — — 2,952 — — 3,436 Substandard — — — — 311 2,202 — — 2,513 Doubtful — — — — — — — — — Total $ 154,563 $ 268,369 $ 156,301 $ 83,461 $ 70,736 $ 113,033 $ 8,807 $ — $ 855,270 Business property Pass $ 103,364 $ 103,549 $ 163,136 $ 50,362 $ 69,852 $ 59,765 $ 882 $ 4,327 $ 555,237 Special mention — — — — — — — — — Substandard — 452 193 — 2,254 636 — — 3,535 Doubtful — — — — — — — — — Total $ 103,364 $ 104,001 $ 163,329 $ 50,362 $ 72,106 $ 60,401 $ 882 $ 4,327 $ 558,772 Multifamily Pass $ 14,219 $ 40,618 $ 42,848 $ 26,472 $ 2,419 $ 5,924 $ — $ — $ 132,500 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ 14,219 $ 40,618 $ 42,848 $ 26,472 $ 2,419 $ 5,924 $ — $ — $ 132,500 Construction Pass $ 4,617 $ 9,120 $ — $ 7,500 $ 3,606 $ — $ — $ — $ 24,843 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ 4,617 $ 9,120 $ — $ 7,500 $ 3,606 $ — $ — $ — $ 24,843 Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term ($ in thousands) 2023 2022 2021 2020 2019 Prior Total December 31, 2023 (Continued) Commercial and Industrial Pass $ 77,957 $ 28,638 $ 11,950 $ 4,354 $ 6,323 $ 8,327 $ 198,010 $ 3,796 $ 339,355 Special mention — — — 379 314 27 1,000 — 1,720 Substandard — — — — 142 785 — — 927 Doubtful — — — — — — — — — Total $ 77,957 $ 28,638 $ 11,950 $ 4,733 $ 6,779 $ 9,139 $ 199,010 $ 3,796 $ 342,002 Consumer Residential mortgage Pass $ 79,581 $ 163,734 $ 78,499 $ 11,363 $ 10,865 $ 45,378 $ — $ — $ 389,420 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ 79,581 $ 163,734 $ 78,499 $ 11,363 $ 10,865 $ 45,378 $ — $ — $ 389,420 Other consumer Pass $ 4,837 $ 7,527 $ 3,275 $ 1,326 $ 458 $ 7 $ 3,190 $ — $ 20,620 Special mention — — — — — — — — — Substandard — 15 — 10 — — — — 25 Doubtful — — — — — — — — — Total $ 4,837 $ 7,542 $ 3,275 $ 1,336 $ 458 $ 7 $ 3,190 $ — $ 20,645 Total loans held-for-investment Pass $ 439,138 $ 621,555 $ 455,525 $ 184,838 $ 163,948 $ 227,280 $ 210,889 $ 8,123 $ 2,311,296 Special mention — — 484 379 314 2,979 1,000 — 5,156 Substandard — 467 193 10 2,707 3,623 — — 7,000 Doubtful — — — — — — — — — Total $ 439,138 $ 622,022 $ 456,202 $ 185,227 $ 166,969 $ 233,882 $ 211,889 $ 8,123 $ 2,323,452 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 September 30, 2024 Commercial real estate: Commercial property $ 1,633 $ — $ — $ 1,633 $ — Business property 2,367 1,560 286 2,367 286 Multifamily 2,038 — — 2,038 — Total commercial real estate 6,038 1,560 286 6,038 286 Commercial and industrial 124 47 31 77 — Consumer: Residential mortgage 414 — — 414 — Other consumer 38 38 — — — Total consumer 452 38 — 414 — Total $ 6,614 $ 1,645 $ 317 $ 6,529 $ 286 December 31, 2023 Commercial real estate: Commercial property $ 958 $ — $ — $ 958 $ — Business property 2,865 689 264 2,865 264 Total commercial real estate 3,823 689 264 3,823 264 Commercial and industrial 68 — — 68 — Consumer: Other consumer 25 25 — — — Total consumer 25 25 — — — Total $ 3,916 $ 714 $ 264 $ 3,891 $ 264 There were no nonaccrual loans guaranteed by a U.S. government agency at September 30, 2024 and December 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) Hotel / Motel Warehouse Car Wash Retail Apartment Single Family Residential Other Total September 30, 2024 Commercial real estate: Commercial property $ 1,633 $ — $ — $ — $ — $ — $ — $ 1,633 Business property — — 1,718 613 — — 36 2,367 Multifamily — — — — 2,038 — — 2,038 Total commercial real estate 1,633 — 1,718 613 2,038 — 36 6,038 Commercial and industrial 11 — — — — 66 — 77 Consumer: Residential mortgage — — — — — 414 — 414 Total consumer — — — — — 414 — 414 Total $ 1,644 $ — $ 1,718 $ 613 $ 2,038 $ 480 $ 36 $ 6,529 December 31, 2023 Commercial real estate: Commercial property $ 958 $ — $ — $ — $ — $ — $ — $ 958 Business property — 2,137 — 689 — — 39 2,865 Total commercial real estate 958 2,137 — 689 — — 39 3,823 Commercial and industrial 13 — — — — 55 — 68 Total $ 971 $ 2,137 $ — $ 689 $ — $ 55 $ 39 $ 3,891 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 September 30, 2024 Commercial real estate: Commercial property $ 257 $ — $ — $ 257 $ 607 $ — $ 276 $ 883 $ 1,140 Business property 680 — — 680 — — 707 707 1,387 Multifamily — — — — — — 2,038 2,038 2,038 Total commercial real estate 937 — — 937 607 — 3,021 3,628 4,565 Commercial and industrial 698 — — 698 34 46 44 124 822 Consumer: Residential mortgage 1,212 — — 1,212 — 414 — 414 1,626 Other consumer 126 21 — 147 — — 38 38 185 Total consumer 1,338 21 — 1,359 — 414 38 452 1,811 Total $ 2,973 $ 21 $ — $ 2,994 $ 641 $ 460 $ 3,103 $ 4,204 $ 7,198 December 31, 2023 Commercial real estate: Commercial property $ — $ — $ — $ — $ — $ 296 $ — $ 296 $ 296 Business property 560 — — 560 — 39 168 207 767 Total commercial real estate 560 — — 560 — 335 168 503 1,063 Commercial and industrial 217 — — 217 — — — — 217 Consumer: Residential mortgage 604 — — 604 — — — — 604 Other consumer 13 34 — 47 — 15 3 18 65 Total consumer 617 34 — 651 — 15 3 18 669 Total $ 1,394 $ 34 $ — $ 1,428 $ — $ 350 $ 171 $ 521 $ 1,949 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. These loans are placed on nonaccrual status at the time of such modification. The following tables present loans that the borrowers were both experiencing financial difficulty and modified during the periods indicated by loan segments and modification type: Three Months Ended ($ in thousands) Combination of Other-Than-Insignificant Payment Delay and Term Extension Total Percentage to Each Loan Segment September 30, 2024 Commercial real estate: Business property $ 1,183 $ 1,183 0.2 % Total commercial real estate 1,183 1,183 0.1 % Total $ 1,183 $ 1,183 0.1 % Nine Months Ended ($ in thousands) Combination of Other-Than-Insignificant Payment Delay and Term Extension Total Percentage to Each Loan Segment September 30, 2024 Commercial real estate: Commercial property $ 410 $ 410 0.1 % Business property 2,230 2,230 0.4 % Total commercial real estate 2,640 2,640 0.2 % Commercial and industrial $ 44 $ 44 0.1 % Total $ 2,684 $ 2,684 0.1 % The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the periods indicates: Three Months Ended September 30, 2024 Nine Months Ended September 30, 2024 ($ in thousands) Combination of Other-Than-Insignificant Payment Delay and Term Extension Combination of Other-Than-Insignificant Payment Delay and Term Extension Commercial property 6-month fixed payment and 6-month term extension Business property 6-month fixed payment and 6-month term extension 6-month fixed payment and 6-month term extension Commercial and industrial 6-month interest-only payment and 6-month term extension There were no loans that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2023. The Company had no commitments to lend to any borrower included in the above table as of September 30, 2024. Purchases, Sales, and Transfers The following table presents a summary of loans that were transferred from loans held-for-investment to loans held-for-sale for the periods indicate: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Consumer: Residential mortgage $ 676 $ — $ 676 $ — Total consumer 676 — 676 — Total $ 676 $ — $ 676 $ — The Company had no loans that were transferred from loans held-for-sale to loans held-for investment during three and nine months ended September 30, 2024 or 2023. The following table presents a summary of purchases of loans held-for-investment for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 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) September 30, 2024 December 31, 2023 Commercial real estate: Business property $ 4,500 $ 2,802 Total commercial real estate 4,500 2,802 Commercial and industrial 670 2,353 Total $ 5,170 $ 5,155 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.

Other Real Estate Owned

Other Real Estate Owned	9 Months Ended
	Sep. 30, 2024
Real Estate Owned, Disclosure of Detailed Components [Abstract]
Other Real Estate Owned	Other Real Estate Owned The following table presents activity in OREO for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Balance at beginning of year $ — $ — $ 2,558 $ — Additions 466 — 466 — Sales — — (2,558) — Balance at end of year $ 466 $ — $ 466 $ — During the year ended December 31, 2023, the Company recognized an OREO of $2.6 million by transferring a SBA 7(a) loan of $593 thousand, of which its guaranteed portion was previously sold. The Company’s exposure was 25% of the OREO and the SBA was entitled to 75% of the sale price upon the sale of property. The Company sold the property during the three months ended March 31, 2024. The following table presents activity in OREO valuation allowance for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Balance at beginning of year $ — $ — $ — $ — Additions — — — — Net direct write-downs and removal from sale — — — — Balance at end of year $ — $ — $ — $ — The following table presents expenses related to OREO for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Net (gain) loss on sales $ — $ — $ (13) $ — Operating expenses, net of rental income 5 — 7 — Total $ 5 $ — $ (6) $ — The Company did not provide loans to finance the sale of its OREO properties during the nine months ended September 30, 2024.

Servicing Assets

Servicing Assets	9 Months Ended
	Sep. 30, 2024
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 $13.5 million and $17.7 million, respectively, with the servicing rights retained and recognized a net gain on sale of $750 thousand and $689 thousand, respectively, during the three months ended September 30, 2024 and 2023. During the nine months ended September 30, 2024 and 2023, the Company sold loans of $46.5 million and $61.6 million, respectively, with the servicing rights retained and recognized a net gain on sale of $2.6 million and $2.8 million, respectively. Loan servicing income was $786 thousand and $851 thousand, respectively, for the three months ended September 30, 2024 and 2023, and $2.5 million and $2.6 million, respectively, for the nine months ended September 30, 2024 and 2023. The following table presents the composition of servicing assets with key assumptions used to estimate the fair value as of the dates indicated: September 30, 2024 December 31, 2023 ($ in thousands) Residential Mortgage CRE SBA C&I SBA Total Residential Mortgage CRE SBA C&I SBA Total Carrying amount $ 43 $ 5,343 $ 516 $ 5,902 $ 49 $ 6,135 $ 482 $ 6,666 Fair value $ 95 $ 7,580 $ 807 $ 8,482 $ 104 $ 8,284 $ 728 $ 9,116 Discount rate 7.85 % 12.14 % 15.85 % 9.93 % 12.30 % 15.46 % Prepayment speed 14.62 % 18.46 % 14.10 % 12.75 % 16.71 % 13.97 % Weighted-average remaining life 19.0 years 20.7 years 7.3 years 19.8 years 21.0 years 7.1 years Underlying loans being serviced $ 9,560 $ 453,823 $ 63,679 $ 527,062 $ 10,666 $ 461,300 $ 60,265 $ 532,231 The following tables present activity in servicing assets for the periods indicated: Three Months Ended September 30, 2024 2023 ($ in thousands) Residential Mortgage CRE SBA C&I SBA Total Residential Mortgage CRE SBA C&I SBA Total Balance at beginning of period $ 45 $ 5,656 $ 504 $ 6,205 $ 55 $ 6,655 $ 432 $ 7,142 Additions — 107 69 176 — 199 50 249 Amortization (2) (420) (57) (479) (4) (420) (47) (471) Balance at end of period $ 43 $ 5,343 $ 516 $ 5,902 $ 51 $ 6,434 $ 435 $ 6,920 Nine Months Ended September 30, 2024 2023 ($ in thousands) Residential Mortgage CRE SBA C&I SBA Total Residential Mortgage CRE SBA C&I SBA Total Balance at beginning of period $ 49 $ 6,135 $ 482 $ 6,666 $ 64 $ 6,831 $ 452 $ 7,347 Additions — 427 181 608 — 787 130 917 Amortization (6) (1,219) (147) (1,372) (13) (1,184) (147) (1,344) Balance at end of period $ 43 $ 5,343 $ 516 $ 5,902 $ 51 $ 6,434 $ 435 $ 6,920

Operating Leases

Operating Leases	9 Months Ended
	Sep. 30, 2024
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 September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Operating lease cost (1) $ 889 $ 744 $ 2,716 $ 2,237 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 849 $ 809 $ 2,577 $ 2,440 Right of use assets obtained in exchange for lease obligations $ 973 $ 1,134 $ 973 $ 1,360 (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) September 30, 2024 December 31, 2023 Operating leases: Operating lease assets $ 17,932 $ 18,913 Operating lease liabilities $ 19,301 $ 20,137 Weighted-average remaining lease term 7.9 years 8.3 years Weighted-average discount rate 4.70 % 4.63 % The following table presents maturities of operating lease liabilities as of the date indicated: ($ in thousands) September 30, 2024 Maturities: 2024 $ 862 2025 3,397 2026 3,051 2027 2,665 2028 2,541 After 2028 11,480 Total lease payment 23,996 Imputed Interest (4,695) Present value of operating lease liabilities $ 19,301

Federal Home Loan Bank Advances

Federal Home Loan Bank Advances and Other Borrowings	9 Months Ended
	Sep. 30, 2024
Advance from Federal Home Loan Bank [Abstract]
Federal Home Loan Bank Advances and Other Borrowings	Federal Home Loan Bank Advances and Other Borrowings FHLB Advances The Company had no FHLB advances at September 30, 2024. At December 31, 2023, the Company had a term FHLB advance of $39.0 million with an interest rate of 5.63% and a maturity date of February 21, 2024 (term of 92 days). The Company repaid the advance upon maturity. At September 30, 2024 and December 31, 2023, loans pledged to secure borrowings from the FHLB were $979.7 million and $1.04 billion, respectively. The Company’s investment in capital stock of the FHLB of San Francisco totaled $13.9 million and $12.5 million at September 30, 2024 and December 31, 2023, respectively. The Company had additional borrowing capacity of $703.0 million and $603.0 million from the FHLB as of September 30, 2024 and December 31, 2023, respectively. Federal Reserve Discount Window The Company had $578.7 million of unused borrowing capacity from the Federal Reserve Discount Window, to which the Company pledged loans with a carrying value of $712.4 million with no outstanding borrowings at September 30, 2024. At December 31, 2023, the Company had $528.9 million of unused borrowing capacity from the Federal Reserve Discount Window, to which the Company pledged loans with a carrying value of $681.8 million with no outstanding borrowings. Overnight Federal Funds Lines The Company maintains overnight federal funds lines with correspondent financial institutions. The Company maintained available borrowing capacity of $65.0 million and had no overnight borrowing at both September 30, 2024 and December 31, 2023.

Shareholders' Equity

Shareholders' Equity	9 Months Ended
	Sep. 30, 2024
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”). The ECIP investment qualifies as tier 1 capital for purposes of the bank regulatory capital requirements. The Series C Preferred Stock accrued no dividend for the first 24 months following the investment date. Beginning on May 24, 2024, holders of the Series C Preferred Stock are entitled to quarterly non-cumulative cash dividends as declared by the Company’s Board of Directors. The Series C Preferred Stock dividend rate adjusts annually 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 terms of the Series C Preferred Stock prohibit the Company from paying dividends on or repurchasing shares of its common stock unless it has paid or contemporaneously pays the full Series C Preferred Stock dividend with respect to the preceding quarterly dividend period. 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. The Company began paying quarterly dividends on the Series C Preferred Stock at 2% beginning in the three months ended June 30, 2024. Dividends on the Series C Preferred Stock totaled $346 thousand and $488 thousand for the three and nine months ended September 30, 2024, respectively. Stock Repurchases During the year ended December 31, 2023, the Company repurchased and retired 512,657 shares of common stock at a weighted-average price of $17.22 per share under a stock repurchase program approved by the Board of Directors on August 2, 2023 and a legacy stock repurchase program approved on July 28, 2022.

Share-Based Compensation

Share-Based Compensation	9 Months Ended
	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
Share-Based Compensation	Share-Based Compensation On May 25, 2023, the Company adopted the 2023 Equity Based Compensation Plan (“2023 EBC Plan”) approved by its shareholders to replace the 2013 Equity Based Stock Compensation Plan. The 2023 EBC Plan provides 700,000 shares of common stock for equity based compensation awards including incentive and non-qualified stock options, and restricted stock awards. As of September 30, 2024, there were 482,800 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 September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Share-based compensation expense related to: Stock options $ 69 $ 27 $ 213 $ 90 Restricted stock awards 44 86 165 256 Total share-based compensation expense $ 113 $ 113 $ 378 $ 346 Related tax benefits $ 26 $ 25 $ 89 $ 75 The following table presents unrecognized share-based compensation expense as of the date indicated: September 30, 2024 ($ in thousands) Unrecognized Expense Weighted-Average Remaining Expected Recognition Period Unrecognized share-based compensation expense related to: Stock options $ 591 2.3 years Restricted stock awards 321 2.0 years Total unrecognized share-based compensation expense $ 912 2.2 years Stock Options The following tables represent stock option activity for the periods indicated: Three Months Ended September 30, 2024 ($ 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 605,764 $ 13.95 5.2 years $ 1,413 Granted 5,000 $ 18.25 10.0 years Exercised (11,351) $ 10.33 1.1 years Forfeited (9,075) $ 10.33 1.1 years Outstanding at end of period 590,338 $ 14.11 5.2 years $ 2,763 Exercisable at end of period 342,338 $ 12.90 2.5 years $ 2,017 Nine Months Ended September 30, 2024 ($ 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 614,715 $ 13.90 5.7 years $ 2,788 Granted 5,000 $ 18.25 10.0 years Exercised (20,302) $ 10.33 1.1 years Forfeited (9,075) $ 10.33 1.1 years Outstanding at end of period 590,338 $ 14.11 5.2 years $ 2,763 Exercisable at end of period 342,338 $ 12.90 2.5 years $ 2,017 The following table represents information regarding unvested stock options for the periods indicated: Three Months Ended September 30, 2024 Nine Months Ended September 30, 2024 Number of Shares Weighted-Average Exercise Price Per Share Number of Shares Weighted-Average Exercise Price Per Share Outstanding at beginning of period 255,000 $ 15.90 271,000 $ 15.85 Granted 5,000 $ 18.25 5,000 $ 18.25 Vested (12,000) $ 19.36 (28,000) $ 16.84 Outstanding at end of period 248,000 $ 15.78 248,000 $ 15.78 Restricted Stock Awards The following table represents restricted stock award activity for the periods indicated: Three Months Ended September 30, 2024 Nine Months Ended September 30, 2024 Number of Shares Weighted-Average Grant Date Fair Value Per Share Number of Shares Weighted-Average Grant Date Fair Value Per Share Outstanding at beginning of period 24,980 $ 19.90 41,661 $ 17.53 Granted 1,500 $ 18.74 1,500 $ 18.74 Vested (7,380) $ 16.82 (23,641) $ 14.83 Forfeited — $ — (420) $ 15.97 Outstanding at end of period 19,100 $ 21.00 19,100 $ 21.00

Income Taxes

Income Taxes	9 Months Ended
	Sep. 30, 2024
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Income tax expense was $2.9 million and $3.0 million, respectively, and the effective tax rate was 26.9% and 29.7%, respectively, for the three months ended September 30, 2024 and 2023. For nine months ended September 30, 2024 and 2023, income tax expense was $7.2 million and $10.2 million, respectively, and the effective tax rate was 27.7% and 29.2%, respectively. At September 30, 2024 and December 31, 2023, 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 September 30, 2024, the Company is no longer subject to examination by taxing authorities for tax years before 2021 for federal taxes and before 2020 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	9 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share Earnings per share (“EPS”) is computed under the two-class method. Net income allocated to common stock is computed by subtracting income allocated to unvested restricted stock from net income available to common shareholders. Income allocated to unvested restricted stock includes cash dividends paid and undistributed income available to holders of unvested restricted stock, if any. Basic EPS is computed by dividing net income allocated to common stock by the weighted-average common shares outstanding excluding the weighted-average unvested restricted stock. Diluted EPS is computed by dividing net income allocated to common stock by the weighted-average common stock outstanding, excluding the weighted-average unvested restricted stock, adjusted for the dilutive effect of stock options. The following table presents the computations of basic and diluted EPS for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands, except per share) 2024 2023 2024 2023 Basic earnings per share: Net income available to common shareholders $ 7,468 $ 7,023 $ 18,292 $ 24,797 Less: income allocated to unvested restricted stock (11) (21) (31) (78) Net income allocated to common stock $ 7,457 $ 7,002 $ 18,261 $ 24,719 Weighted-average total common shares outstanding 14,262,513 14,337,341 14,262,340 14,372,908 Less: weighted-average unvested restricted stock (21,499) (42,539) (24,489) (44,978) Weighted-average common shares outstanding, basic 14,241,014 14,294,802 14,237,851 14,327,930 Basic earnings per share $ 0.52 $ 0.49 $ 1.28 $ 1.73 Diluted earnings per share: Net income allocated to common stock $ 7,457 $ 7,002 $ 18,261 $ 24,719 Weighted-average common shares outstanding, basic 14,241,014 14,294,802 14,237,851 14,327,930 Diluted effect of stock options 115,370 101,414 90,659 114,030 Weighted-average common shares outstanding, diluted 14,356,384 14,396,216 14,328,510 14,441,960 Diluted earnings per share $ 0.52 $ 0.49 $ 1.27 $ 1.71 There were 291,700 and 93,700 stock options excluded in computing diluted EPS because they were anti-dilutive for three months ended September 30, 2024 and 2023, respectively. For the nine months ended September 30, 2024 and 2023, there were 283,000 and 93,700 stock options excluded in computing diluted EPS because they were anti-dilutive, respectively.

Off-Balance Sheet Credit Exposu

Off-Balance Sheet Credit Exposures, Commitments and Other Contingencies	9 Months Ended
	Sep. 30, 2024
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: September 30, 2024 December 31, 2023 ($ in thousands) Fixed Rate Variable Rate Fixed Rate Variable Rate Unused lines of credit $ 11,828 $ 381,302 $ 2,808 $ 347,652 Unfunded loan commitments 5,590 34,839 4,020 47,038 Standby letters of credit 5,158 1,516 4,638 1,786 Commercial letters of credit — — — 160 Total $ 22,576 $ 417,657 $ 11,466 $ 396,636 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 on 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 on January 1, 2023. As of September 30, 2024 and December 31, 2023, the Company maintained an ACL on off-balance sheet credit exposures of $1.2 million and $1.3 million 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 worked 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. During the three months ended September 30, 2023, the Bank agreed to settle this matter in exchange for $700 thousand to the putative class members, including costs of settlement administration, and attorneys’ fees and costs. The Bank received preliminary court approval of the settlement and notice was provided to members of the proposed class during the three months ended September 30, 2023. The court issued an order granting final approval on June 20, 2024. The Company expects that the full amount of the final settlement will be covered under the Company’s applicable insurance policies.

Regulatory Matters

Regulatory Matters	9 Months Ended
	Sep. 30, 2024
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 to avoid restrictions on dividends, stock repurchase, discretionary bonuses and other payments. Management believes as of September 30, 2024 and December 31, 2023, the Bank met all capital adequacy requirements to which it is subject. Under the Federal Reserve’s “Small Bank Holding Company” policy, the Company is not currently subject to separate minimum capital requirements under the Basel III rules. At such time as the Company reaches the $3 billion asset level, it will be subject to consolidated capital requirements under the Basel III rules independent of the Bank. For comparison purposes, the Company’s ratios are included in the following discussion as well, all of which would have exceeded the “well-capitalized” level had the Company been subject to separate capital minimums. The Company and the Bank’s capital conservation buffer was 7.42% and 7.54%, respectively, as of September 30, 2024, and 7.73% and 8.07%, respectively, as of December 31, 2023. Unrealized gain or loss on securities available-for-sale is not included in computing regulatory capital. The following table presents the regulatory capital amounts and ratios for the Company and the Bank as of dates indicated: Actual Minimum Capital Requirement To Be Well Capitalized Under Prompt Corrective Provisions ($ in thousands) Amount Ratio Amount Ratio Amount Ratio September 30, 2024 PCB Bancorp Common tier 1 capital (to risk-weighted assets) $ 299,090 11.92 % $ 112,909 4.5 % N/A N/A Total capital (to risk-weighted assets) 398,395 15.88 % 200,727 8.0 % N/A N/A Tier 1 capital (to risk-weighted assets) 368,231 14.68 % 150,545 6.0 % N/A N/A Tier 1 capital (to average assets) 368,231 12.79 % 115,148 4.0 % N/A N/A PCB Bank Common tier 1 capital (to risk-weighted assets) $ 359,655 14.33 % $ 112,905 4.5 % $ 163,086 6.5 % Total capital (to risk-weighted assets) 389,818 15.54 % 200,721 8.0 % 250,901 10.0 % Tier 1 capital (to risk-weighted assets) 359,655 14.33 % 150,541 6.0 % 200,721 8.0 % Tier 1 capital (to average assets) 359,655 12.49 % 115,146 4.0 % 143,933 5.0 % December 31, 2023 PCB Bancorp Common tier 1 capital (to risk-weighted assets) $ 288,174 12.23 % $ 106,043 4.5 % N/A N/A Total capital (to risk-weighted assets) 386,125 16.39 % 188,521 8.0 % N/A N/A Tier 1 capital (to risk-weighted assets) 357,315 15.16 % 141,391 6.0 % N/A N/A Tier 1 capital (to average assets) 357,315 13.43 % 106,423 4.0 % N/A N/A PCB Bank Common tier 1 capital (to risk-weighted assets) $ 350,038 14.85 % $ 106,081 4.5 % $ 153,228 6.5 % Total capital (to risk-weighted assets) 378,849 16.07 % 188,588 8.0 % 235,735 10.0 % Tier 1 capital (to risk-weighted assets) 350,038 14.85 % 141,441 6.0 % 188,588 8.0 % Tier 1 capital (to average assets) 350,038 13.16 % 106,421 4.0 % 133,026 5.0 % The California Financial Code provides that a bank generally 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 shareholders during the same period. This law limits the distributions the Bank is permitted to make to the Company. As a California corporation, the Company is subject to the limitations of the California Corporations Code, 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. The Federal Reserve, the Federal Deposit Insurance Corporation (the “FDIC”) and the California Department of Financial Protection and Innovation periodically examine the Company, the Bank and their businesses, including for compliance with laws and regulations. If, as a result of an examination, a banking agency were to determine that the Company’s or the Bank’s financial condition, capital resources, asset quality, earnings prospects, management, liquidity or other aspects of any of their operations had become unsatisfactory, or that the Company or the Bank was in violation of any law or regulation, they may take a number of different remedial actions as they deem appropriate. These actions include the power to enjoin “unsafe or unsound” practices, to require affirmative action to correct any conditions resulting from any violation or practice, to issue an administrative order that can be judicially enforced, to direct an increase in the Company’s or the Bank’s capital, to restrict growth, to assess civil money penalties, to fine or remove officers and directors and, if it is concluded that such conditions cannot be corrected or there is an imminent risk of loss to depositors, to terminate the Bank’s deposit insurance and place the Bank into receivership or conservatorship.

Revenue Recognition

Revenue Recognition	9 Months Ended
	Sep. 30, 2024
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 September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Noninterest income in-scope of Topic 606 Service charges and fees on deposits: Monthly service fees $ 27 $ 27 $ 77 $ 79 Account analysis fees 250 239 715 699 Non-sufficient funds charges 96 81 272 241 Other deposit related fees 26 24 77 65 Total service charges and fees on deposits 399 371 1,141 1,084 Debit card fees 154 103 253 254 Gain (loss) on sale of other real estate owned — — 13 — Wire transfer fees 156 162 462 467 Other service charges 61 54 177 157 Total $ 770 $ 690 $ 2,046 $ 1,962

Subsequent Events

Subsequent Events	9 Months Ended
	Sep. 30, 2024
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events Dividend Declared on Common Stock On October 23, 2024, 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 November 15, 2024, to shareholders of record as of the close of business on November 8, 2024.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Net income	$ 7,814	$ 7,023	$ 18,780	$ 24,797

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Basis of Presentation and Sig_2

Basis of Presentation and Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2024
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, 2023 filed by the Company with the SEC. The December 31, 2023 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, 2023 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 and nine months ended September 30, 2024 are not necessarily indicative of the results that may be expected for the year ending December 31, 2024.
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of PCB Bancorp and its wholly owned subsidiary as of September 30, 2024 and December 31, 2023, and for the three and nine months ended September 30, 2024 and 2023. 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 nine months ended September 30, 2024, there were no significant accounting pronouncements applicable to the Company that were adopted or became effective. Recent Accounting Pronouncements Not Yet Adopted The following recently issued accounting pronouncement applicable to the Company has not yet been adopted: In December 2023, the FASB issued ASU 2023-09, “Income Taxes (Topic 780) - Improvements to Income Tax Disclosures.” The amendments in this ASU require public entities to disclose in their rate reconciliation table additional categories of information about federal, state and foreign income taxes and to provide more details about the reconciling items in some categories if items meet a quantitative threshold. This ASU also requires all entities to disclose income taxes paid, net of refunds, disaggregated by federal, state and foreign taxes for annual periods and to disaggregate the information by jurisdiction based on a quantitative threshold, among other things. This ASU is effective for the Company for fiscal years beginning after December 15, 2024 with early adoption permitted. The Company will update its income tax disclosure upon adoption.
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, loans individually evaluated, 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.

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2024
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 September 30, 2024 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ — $ 112,153 $ — $ 112,153 Residential collateralized mortgage obligations — 22,386 — 22,386 SBA loan pool securities — 6,431 — 6,431 Municipal bonds — 2,473 — 2,473 Corporate bonds — 4,192 — 4,192 Total securities available-for-sale — 147,635 — 147,635 Total assets measured at fair value on a recurring basis $ — $ 147,635 $ — $ 147,635 Total liabilities measured at fair value on a recurring basis $ — $ — $ — $ — December 31, 2023 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ — $ 104,091 $ — $ 104,091 Residential collateralized mortgage obligations — 24,173 — 24,173 SBA loan pool securities — 7,450 — 7,450 Municipal bonds — 3,329 — 3,329 Corporate bonds — 4,280 — 4,280 Total securities available-for-sale — 143,323 — 143,323 Total assets measured at fair value on a recurring basis $ — $ 143,323 $ — $ 143,323 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 September 30, 2024 Loans individually evaluated: Business property $ — $ — $ 1,274 $ 1,274 Commercial and industrial — — 16 16 Total loans individually evaluated — — 1,290 1,290 Total assets measured at fair value on a non-recurring basis $ — $ — $ 1,290 $ 1,290 Total liabilities measured at fair value on a non-recurring basis $ — $ — $ — $ — December 31, 2023 Loans individually evaluated: Business property $ — $ — $ 425 $ 425 Total loans individually evaluated — — 425 425 Total assets measured at fair value on a non-recurring basis $ — $ — $ 425 $ 425 Total liabilities measured at fair value on a non-recurring basis $ — $ — $ — $ — 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 September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Loans individually evaluated: Business property $ 3 $ (15) $ 47 $ (47) Commercial and industrial (1) — 31 1,074 Net gains (losses) recognized $ 2 $ (15) $ 78 $ 1,027
Schedule of 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) Weighted-Average September 30, 2024 Loans individually evaluated: Business property $ 1,274 Fair value of collateral Selling cost 6% Commercial and industrial 16 Discounted cash flow NM NM December 31, 2023 Loans individually evaluated: Business property $ 425 Fair value of collateral 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 September 30, 2024 Financial assets: Interest-bearing deposits in other financial institutions $ 163,083 $ 163,083 $ 163,083 $ — $ — Securities available-for-sale 147,635 147,635 — 147,635 — Loans held-for-sale 5,170 5,625 — 5,625 — Net loans held-for-investment 2,437,244 2,382,466 — — 2,382,466 Federal Home Loan Bank (“FHLB”) and other restricted stock 14,042 N/A N/A N/A N/A Accrued interest receivable 9,896 9,896 275 488 9,133 Financial liabilities: Deposits $ 2,459,682 $ 2,466,010 $ — $ — $ 2,466,010 Accrued interest payable 27,985 27,985 — — 27,985 December 31, 2023 Financial assets: Interest-bearing deposits in other financial institutions $ 215,824 $ 215,824 $ 215,824 $ — $ — Securities available-for-sale 143,323 143,323 — 143,323 — Loans held-for-sale 5,155 5,472 — 5,472 — Net loans held-for-investment 2,295,919 2,225,573 — — 2,225,573 FHLB and other restricted stock 12,716 N/A N/A N/A N/A Accrued interest receivable 9,468 9,468 128 513 8,827 Financial liabilities: Deposits $ 2,351,612 $ 2,353,465 $ — $ — $ 2,353,465 FHLB advances 39,000 39,013 — 39,013 — Accrued interest payable 18,052 18,052 — 192 17,860

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule of 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 September 30, 2024 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 119,363 $ 692 $ (7,902) $ 112,153 Residential collateralized mortgage obligations 23,459 101 (1,174) 22,386 SBA loan pool securities 6,688 2 (259) 6,431 Municipal bonds 2,450 23 — 2,473 Corporate bonds 5,000 — (808) 4,192 Total securities available-for-sale $ 156,960 $ 818 $ (10,143) $ 147,635 December 31, 2023 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 114,485 $ 199 $ (10,593) $ 104,091 Residential collateralized mortgage obligations 25,611 63 (1,501) 24,173 SBA loan pool securities 7,773 3 (326) 7,450 Municipal bonds 3,306 25 (2) 3,329 Corporate bonds 5,000 — (720) 4,280 Total securities available-for-sale $ 156,175 $ 290 $ (13,142) $ 143,323
Schedule of 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. September 30, 2024 ($ in thousands) Amortized Cost Fair Value Within one year $ — $ — One to five years 82 83 Five to ten years 6,097 5,297 Greater than ten years 1,271 1,285 Residential mortgage-backed securities, residential collateralized mortgage obligations and SBA loan pool securities 149,510 140,970 Total $ 156,960 $ 147,635
Schedule of 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 allowance for credit losses (“ACL”) was not 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 September 30, 2024 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 59 $ (1) 3 $ 72,529 $ (7,901) 108 $ 72,588 $ (7,902) 111 Residential collateralized mortgage obligations 991 (3) 1 14,206 (1,171) 36 15,197 (1,174) 37 SBA loan pool securities 55 — 1 5,705 (259) 13 5,760 (259) 14 Corporate bonds — — — 4,192 (808) 1 4,192 (808) 1 Total securities available-for-sale $ 1,105 $ (4) 5 $ 96,632 $ (10,139) 158 $ 97,737 $ (10,143) 163 December 31, 2023 Securities available-for-sale: U.S. government agency and U.S. government sponsored enterprise securities: Residential mortgage-backed securities $ 9,252 $ (41) 8 $ 78,958 $ (10,552) 110 $ 88,210 $ (10,593) 118 Residential collateralized mortgage obligations 5,660 (62) 4 13,919 (1,439) 35 19,579 (1,501) 39 SBA loan pool securities — — — 6,627 (326) 14 6,627 (326) 14 Municipal bonds 81 — 1 362 (2) 1 443 (2) 2 Corporate bonds — — — 4,280 (720) 1 4,280 (720) 1 Total securities available-for-sale $ 14,993 $ (103) 13 $ 104,146 $ (13,040) 161 $ 119,139 $ (13,142) 174

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses on Loans (Tables)	9 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Schedule of 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) September 30, 2024 December 31, 2023 Commercial real estate: Commercial property $ 874,824 $ 855,270 Business property 579,461 558,772 Multifamily 185,485 132,500 Construction 21,150 24,843 Total commercial real estate 1,660,920 1,571,385 Commercial and industrial 407,024 342,002 Consumer: Residential mortgage 383,377 389,420 Other consumer 14,853 20,645 Total consumer 398,230 410,065 Loans held-for-investment 2,466,174 2,323,452 Allowance for credit losses on loans (28,930) (27,533) Net loans held-for-investment $ 2,437,244 $ 2,295,919
Schedule of Reclassification of ACL on Loans and Initial Adjustment to ACL	The following table presents a composition of provision (reversal) for credit losses for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Provision (reversal) for credit losses on loans $ 193 $ 822 $ 1,444 $ (1,438) Provision (reversal) for credit losses on off-balance sheet credit exposures (143) (71) (45) (392) Total provision (reversal) for credit losses $ 50 $ 751 $ 1,399 $ (1,830) The following tables present the activities in ACL on loans for the periods indicated: ($ in thousands) Commercial Property Business Property Multifamily Construction Commercial and Industrial Residential Mortgage Other Consumer Total Balance at July 1, 2024 $ 11,900 $ 4,848 $ 1,661 $ 131 $ 7,186 $ 2,957 $ 64 $ 28,747 Charge-offs — (104) — — — — (7) (111) Recoveries — 1 — — 8 — 92 101 Provision (reversal) for credit losses on loans (1,515) 779 (14) (38) 1,056 6 (81) 193 Balance at September 30, 2024 $ 10,385 $ 5,524 $ 1,647 $ 93 $ 8,250 $ 2,963 $ 68 $ 28,930 Balance at July 1, 2023 $ 9,601 $ 6,077 $ 1,259 $ 125 $ 6,513 $ 1,216 $ 76 $ 24,867 Charge-offs — — — — (45) — (67) (112) Recoveries — 2 — — 8 — 12 22 Provision (reversal) for credit losses on loans 1,747 (1,922) 554 (30) (468) 877 64 822 Balance at September 30, 2023 $ 11,348 $ 4,157 $ 1,813 $ 95 $ 6,008 $ 2,093 $ 85 $ 25,599 ($ in thousands) Commercial Property Business Property Multifamily Construction Commercial and Industrial Residential Mortgage Other Consumer Total Balance at January 1, 2024 $ 12,665 $ 4,739 $ 1,441 $ 135 $ 6,245 $ 2,226 $ 82 $ 27,533 Charge-offs — (104) — — (155) — (37) (296) Recoveries — 3 — — 87 — 159 249 Provision (reversal) for credit losses on loans (2,280) 886 206 (42) 2,073 737 (136) 1,444 Balance at September 30, 2024 $ 10,385 $ 5,524 $ 1,647 $ 93 $ 8,250 $ 2,963 $ 68 $ 28,930 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 — (4) — — (45) — (70) (119) Recoveries — 8 — — 1,100 — 39 1,147 Provision (reversal) for credit losses on loans 4,608 (2,492) 423 (56) (4,893) 936 36 (1,438) Balance at September 30, 2023 $ 11,348 $ 4,157 $ 1,813 $ 95 $ 6,008 $ 2,093 $ 85 $ 25,599
Schedule of Credit Quality Indicators	The following table summarizes the Company’s loans held-for-investment by loan segment, internal risk ratings and vintage year as of September 30, 2024 and gross write offs for the nine months ended September 30, 2024. 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 the Term Loans by Origination Year columns. Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term ($ in thousands) 2024 2023 2022 2021 2020 Prior Total September 30, 2024 Commercial Real Estate: Commercial property Pass $ 90,144 $ 143,673 $ 260,646 $ 149,104 $ 77,092 $ 130,013 $ 20,556 $ 387 $ 871,615 Special mention — — — — — — — — — Substandard — 133 410 — — 2,666 — — 3,209 Doubtful — — — — — — — — — Total $ 90,144 $ 143,806 $ 261,056 $ 149,104 $ 77,092 $ 132,679 $ 20,556 $ 387 $ 874,824 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Business property Pass $ 65,709 $ 100,737 $ 95,856 $ 151,769 $ 45,463 $ 105,797 $ 2,256 $ 3,780 $ 571,367 Special mention — — 5,057 — — — — — 5,057 Substandard — — 448 865 — 1,724 — — 3,037 Doubtful — — — — — — — — — Total $ 65,709 $ 100,737 $ 101,361 $ 152,634 $ 45,463 $ 107,521 $ 2,256 $ 3,780 $ 579,461 Current period gross write offs $ — $ — $ 77 $ — $ — $ 27 $ — $ — $ 104 Multifamily Pass $ 19,920 $ 53,051 $ 40,063 $ 38,358 $ 25,937 $ 5,117 $ 1,001 $ — $ 183,447 Special mention — — — — — — — — — Substandard — — — 2,038 — — — — 2,038 Doubtful — — — — — — — — — Total $ 19,920 $ 53,051 $ 40,063 $ 40,396 $ 25,937 $ 5,117 $ 1,001 $ — $ 185,485 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Construction Pass $ 29 $ 8,461 $ 12,660 $ — $ — $ — $ — $ — $ 21,150 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ 29 $ 8,461 $ 12,660 $ — $ — $ — $ — $ — $ 21,150 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term ($ in thousands) 2024 2023 2022 2021 2020 Prior Total September 30, 2024 (Continued) Commercial and Industrial Pass $ 28,303 $ 35,694 $ 23,060 $ 9,848 $ 3,423 $ 9,009 $ 294,168 $ 3,395 $ 406,900 Special mention — — — — — — — — — Substandard — — — — — 124 — — 124 Doubtful — — — — — — — — — Total $ 28,303 $ 35,694 $ 23,060 $ 9,848 $ 3,423 $ 9,133 $ 294,168 $ 3,395 $ 407,024 Current period gross write offs $ — $ — $ — $ — $ — $ 5 $ — $ 150 $ 155 Consumer Residential mortgage Pass $ 17,670 $ 75,436 $ 154,579 $ 74,455 $ 10,913 $ 49,910 $ — $ — $ 382,963 Special mention — — — — — — — — — Substandard — — — — — 414 — — 414 Doubtful — — — — — — — — — Total $ 17,670 $ 75,436 $ 154,579 $ 74,455 $ 10,913 $ 50,324 $ — $ — $ 383,377 Current period gross write offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Other consumer Pass $ 274 $ 3,331 $ 5,007 $ 1,894 $ 565 $ 50 $ 3,694 $ — $ 14,815 Special mention — — — — — — — — — Substandard — 38 — — — — — — 38 Doubtful — — — — — — — — — Total $ 274 $ 3,369 $ 5,007 $ 1,894 $ 565 $ 50 $ 3,694 $ — $ 14,853 Current period gross write offs $ — $ 12 $ 15 $ — $ 10 $ — $ — $ — $ 37 Total loans held-for-investment Pass $ 222,049 $ 420,383 $ 591,871 $ 425,428 $ 163,393 $ 299,896 $ 321,675 $ 7,562 $ 2,452,257 Special mention — — 5,057 — — — — — 5,057 Substandard — 171 858 2,903 — 4,928 — — 8,860 Doubtful — — — — — — — — — Total $ 222,049 $ 420,554 $ 597,786 $ 428,331 $ 163,393 $ 304,824 $ 321,675 $ 7,562 $ 2,466,174 Current period gross write offs $ — $ 12 $ 92 $ — $ 10 $ 32 $ — $ 150 $ 296 The following table summarizes the Company’s loans held-for-investment by loan segment, internal risk ratings and vintage year as of December 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 December 31, 2023 Commercial Real Estate: Commercial property Pass $ 154,563 $ 268,369 $ 155,817 $ 83,461 $ 70,425 $ 107,879 $ 8,807 $ — $ 849,321 Special mention — — 484 — — 2,952 — — 3,436 Substandard — — — — 311 2,202 — — 2,513 Doubtful — — — — — — — — — Total $ 154,563 $ 268,369 $ 156,301 $ 83,461 $ 70,736 $ 113,033 $ 8,807 $ — $ 855,270 Business property Pass $ 103,364 $ 103,549 $ 163,136 $ 50,362 $ 69,852 $ 59,765 $ 882 $ 4,327 $ 555,237 Special mention — — — — — — — — — Substandard — 452 193 — 2,254 636 — — 3,535 Doubtful — — — — — — — — — Total $ 103,364 $ 104,001 $ 163,329 $ 50,362 $ 72,106 $ 60,401 $ 882 $ 4,327 $ 558,772 Multifamily Pass $ 14,219 $ 40,618 $ 42,848 $ 26,472 $ 2,419 $ 5,924 $ — $ — $ 132,500 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ 14,219 $ 40,618 $ 42,848 $ 26,472 $ 2,419 $ 5,924 $ — $ — $ 132,500 Construction Pass $ 4,617 $ 9,120 $ — $ 7,500 $ 3,606 $ — $ — $ — $ 24,843 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ 4,617 $ 9,120 $ — $ 7,500 $ 3,606 $ — $ — $ — $ 24,843 Term Loans by Origination Year Revolving Loans Revolving Loans Converted to Term ($ in thousands) 2023 2022 2021 2020 2019 Prior Total December 31, 2023 (Continued) Commercial and Industrial Pass $ 77,957 $ 28,638 $ 11,950 $ 4,354 $ 6,323 $ 8,327 $ 198,010 $ 3,796 $ 339,355 Special mention — — — 379 314 27 1,000 — 1,720 Substandard — — — — 142 785 — — 927 Doubtful — — — — — — — — — Total $ 77,957 $ 28,638 $ 11,950 $ 4,733 $ 6,779 $ 9,139 $ 199,010 $ 3,796 $ 342,002 Consumer Residential mortgage Pass $ 79,581 $ 163,734 $ 78,499 $ 11,363 $ 10,865 $ 45,378 $ — $ — $ 389,420 Special mention — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total $ 79,581 $ 163,734 $ 78,499 $ 11,363 $ 10,865 $ 45,378 $ — $ — $ 389,420 Other consumer Pass $ 4,837 $ 7,527 $ 3,275 $ 1,326 $ 458 $ 7 $ 3,190 $ — $ 20,620 Special mention — — — — — — — — — Substandard — 15 — 10 — — — — 25 Doubtful — — — — — — — — — Total $ 4,837 $ 7,542 $ 3,275 $ 1,336 $ 458 $ 7 $ 3,190 $ — $ 20,645 Total loans held-for-investment Pass $ 439,138 $ 621,555 $ 455,525 $ 184,838 $ 163,948 $ 227,280 $ 210,889 $ 8,123 $ 2,311,296 Special mention — — 484 379 314 2,979 1,000 — 5,156 Substandard — 467 193 10 2,707 3,623 — — 7,000 Doubtful — — — — — — — — — Total $ 439,138 $ 622,022 $ 456,202 $ 185,227 $ 166,969 $ 233,882 $ 211,889 $ 8,123 $ 2,323,452
Schedule of 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 September 30, 2024 Commercial real estate: Commercial property $ 1,633 $ — $ — $ 1,633 $ — Business property 2,367 1,560 286 2,367 286 Multifamily 2,038 — — 2,038 — Total commercial real estate 6,038 1,560 286 6,038 286 Commercial and industrial 124 47 31 77 — Consumer: Residential mortgage 414 — — 414 — Other consumer 38 38 — — — Total consumer 452 38 — 414 — Total $ 6,614 $ 1,645 $ 317 $ 6,529 $ 286 December 31, 2023 Commercial real estate: Commercial property $ 958 $ — $ — $ 958 $ — Business property 2,865 689 264 2,865 264 Total commercial real estate 3,823 689 264 3,823 264 Commercial and industrial 68 — — 68 — Consumer: Other consumer 25 25 — — — Total consumer 25 25 — — — Total $ 3,916 $ 714 $ 264 $ 3,891 $ 264
Schedule of Collateral Dependent Loans	The following table presents the collateral dependent loans by loan segments as of the date indicated: ($ in thousands) Hotel / Motel Warehouse Car Wash Retail Apartment Single Family Residential Other Total September 30, 2024 Commercial real estate: Commercial property $ 1,633 $ — $ — $ — $ — $ — $ — $ 1,633 Business property — — 1,718 613 — — 36 2,367 Multifamily — — — — 2,038 — — 2,038 Total commercial real estate 1,633 — 1,718 613 2,038 — 36 6,038 Commercial and industrial 11 — — — — 66 — 77 Consumer: Residential mortgage — — — — — 414 — 414 Total consumer — — — — — 414 — 414 Total $ 1,644 $ — $ 1,718 $ 613 $ 2,038 $ 480 $ 36 $ 6,529 December 31, 2023 Commercial real estate: Commercial property $ 958 $ — $ — $ — $ — $ — $ — $ 958 Business property — 2,137 — 689 — — 39 2,865 Total commercial real estate 958 2,137 — 689 — — 39 3,823 Commercial and industrial 13 — — — — 55 — 68 Total $ 971 $ 2,137 $ — $ 689 $ — $ 55 $ 39 $ 3,891
Schedule of 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 September 30, 2024 Commercial real estate: Commercial property $ 257 $ — $ — $ 257 $ 607 $ — $ 276 $ 883 $ 1,140 Business property 680 — — 680 — — 707 707 1,387 Multifamily — — — — — — 2,038 2,038 2,038 Total commercial real estate 937 — — 937 607 — 3,021 3,628 4,565 Commercial and industrial 698 — — 698 34 46 44 124 822 Consumer: Residential mortgage 1,212 — — 1,212 — 414 — 414 1,626 Other consumer 126 21 — 147 — — 38 38 185 Total consumer 1,338 21 — 1,359 — 414 38 452 1,811 Total $ 2,973 $ 21 $ — $ 2,994 $ 641 $ 460 $ 3,103 $ 4,204 $ 7,198 December 31, 2023 Commercial real estate: Commercial property $ — $ — $ — $ — $ — $ 296 $ — $ 296 $ 296 Business property 560 — — 560 — 39 168 207 767 Total commercial real estate 560 — — 560 — 335 168 503 1,063 Commercial and industrial 217 — — 217 — — — — 217 Consumer: Residential mortgage 604 — — 604 — — — — 604 Other consumer 13 34 — 47 — 15 3 18 65 Total consumer 617 34 — 651 — 15 3 18 669 Total $ 1,394 $ 34 $ — $ 1,428 $ — $ 350 $ 171 $ 521 $ 1,949
Schedule of Loan Modifications	The following tables present loans that the borrowers were both experiencing financial difficulty and modified during the periods indicated by loan segments and modification type: Three Months Ended ($ in thousands) Combination of Other-Than-Insignificant Payment Delay and Term Extension Total Percentage to Each Loan Segment September 30, 2024 Commercial real estate: Business property $ 1,183 $ 1,183 0.2 % Total commercial real estate 1,183 1,183 0.1 % Total $ 1,183 $ 1,183 0.1 % Nine Months Ended ($ in thousands) Combination of Other-Than-Insignificant Payment Delay and Term Extension Total Percentage to Each Loan Segment September 30, 2024 Commercial real estate: Commercial property $ 410 $ 410 0.1 % Business property 2,230 2,230 0.4 % Total commercial real estate 2,640 2,640 0.2 % Commercial and industrial $ 44 $ 44 0.1 % Total $ 2,684 $ 2,684 0.1 % The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the periods indicates: Three Months Ended September 30, 2024 Nine Months Ended September 30, 2024 ($ in thousands) Combination of Other-Than-Insignificant Payment Delay and Term Extension Combination of Other-Than-Insignificant Payment Delay and Term Extension Commercial property 6-month fixed payment and 6-month term extension Business property 6-month fixed payment and 6-month term extension 6-month fixed payment and 6-month term extension Commercial and industrial 6-month interest-only payment and 6-month term extension
Schedule of Loan Modifications Past Due	The following table presents the performance of loans that the borrowers were both experiencing financial difficulty and modified in the last 12 months: ($ in thousands) 30 to 59 Days Past Due 60 to 89 Days Past Due 90 or More Days Past Due Total September 30, 2024 Commercial real estate: Business property $ — $ — $ 671 $ 671 Total commercial real estate — — 671 671 Commercial and industrial — — 44 44 Total $ — $ — $ 715 $ 715
Schedule of Loans Held-for-Sale	The following table presents a summary of loans that were transferred from loans held-for-investment to loans held-for-sale for the periods indicate: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Consumer: Residential mortgage $ 676 $ — $ 676 $ — Total consumer 676 — 676 — Total $ 676 $ — $ 676 $ — The following table presents a composition of loans held-for-sale as of the date indicated: ($ in thousands) September 30, 2024 December 31, 2023 Commercial real estate: Business property $ 4,500 $ 2,802 Total commercial real estate 4,500 2,802 Commercial and industrial 670 2,353 Total $ 5,170 $ 5,155
Schedule of Purchases of Loans Held-for-Investment	The following table presents a summary of purchases of loans held-for-investment for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Consumer: Residential mortgage $ — $ — $ — $ 15,741 Total consumer — — — 15,741 Total $ — $ — $ — $ 15,741

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	9 Months Ended
	Sep. 30, 2024
Real Estate Owned, Disclosure of Detailed Components [Abstract]
Schedule of Other Real Estate Owned, Activity	The following table presents activity in OREO for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Balance at beginning of year $ — $ — $ 2,558 $ — Additions 466 — 466 — Sales — — (2,558) — Balance at end of year $ 466 $ — $ 466 $ —
Schedule of Other Real Estate Owned, Valuation Allowance	The following table presents activity in OREO valuation allowance for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Balance at beginning of year $ — $ — $ — $ — Additions — — — — Net direct write-downs and removal from sale — — — — Balance at end of year $ — $ — $ — $ —
Schedule of Other Real Estate Owned, Expenses	The following table presents expenses related to OREO for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Net (gain) loss on sales $ — $ — $ (13) $ — Operating expenses, net of rental income 5 — 7 — Total $ 5 $ — $ (6) $ —

Servicing Assets (Tables)

Servicing Assets (Tables)	9 Months Ended
	Sep. 30, 2024
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: September 30, 2024 December 31, 2023 ($ in thousands) Residential Mortgage CRE SBA C&I SBA Total Residential Mortgage CRE SBA C&I SBA Total Carrying amount $ 43 $ 5,343 $ 516 $ 5,902 $ 49 $ 6,135 $ 482 $ 6,666 Fair value $ 95 $ 7,580 $ 807 $ 8,482 $ 104 $ 8,284 $ 728 $ 9,116 Discount rate 7.85 % 12.14 % 15.85 % 9.93 % 12.30 % 15.46 % Prepayment speed 14.62 % 18.46 % 14.10 % 12.75 % 16.71 % 13.97 % Weighted-average remaining life 19.0 years 20.7 years 7.3 years 19.8 years 21.0 years 7.1 years Underlying loans being serviced $ 9,560 $ 453,823 $ 63,679 $ 527,062 $ 10,666 $ 461,300 $ 60,265 $ 532,231
Schedule of Servicing Asset	The following tables present activity in servicing assets for the periods indicated: Three Months Ended September 30, 2024 2023 ($ in thousands) Residential Mortgage CRE SBA C&I SBA Total Residential Mortgage CRE SBA C&I SBA Total Balance at beginning of period $ 45 $ 5,656 $ 504 $ 6,205 $ 55 $ 6,655 $ 432 $ 7,142 Additions — 107 69 176 — 199 50 249 Amortization (2) (420) (57) (479) (4) (420) (47) (471) Balance at end of period $ 43 $ 5,343 $ 516 $ 5,902 $ 51 $ 6,434 $ 435 $ 6,920 Nine Months Ended September 30, 2024 2023 ($ in thousands) Residential Mortgage CRE SBA C&I SBA Total Residential Mortgage CRE SBA C&I SBA Total Balance at beginning of period $ 49 $ 6,135 $ 482 $ 6,666 $ 64 $ 6,831 $ 452 $ 7,347 Additions — 427 181 608 — 787 130 917 Amortization (6) (1,219) (147) (1,372) (13) (1,184) (147) (1,344) Balance at end of period $ 43 $ 5,343 $ 516 $ 5,902 $ 51 $ 6,434 $ 435 $ 6,920

Operating Leases (Tables)

Operating Leases (Tables)	9 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Schedule of 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 September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Operating lease cost (1) $ 889 $ 744 $ 2,716 $ 2,237 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 849 $ 809 $ 2,577 $ 2,440 Right of use assets obtained in exchange for lease obligations $ 973 $ 1,134 $ 973 $ 1,360 (1) Included in Occupancy and Equipment on the Consolidated Statements of Income (Unaudited). ($ in thousands) September 30, 2024 December 31, 2023 Operating leases: Operating lease assets $ 17,932 $ 18,913 Operating lease liabilities $ 19,301 $ 20,137 Weighted-average remaining lease term 7.9 years 8.3 years Weighted-average discount rate 4.70 % 4.63 %
Schedule of Maturities of Operating Lease Liabilities	The following table presents maturities of operating lease liabilities as of the date indicated: ($ in thousands) September 30, 2024 Maturities: 2024 $ 862 2025 3,397 2026 3,051 2027 2,665 2028 2,541 After 2028 11,480 Total lease payment 23,996 Imputed Interest (4,695) Present value of operating lease liabilities $ 19,301

Share-Based Compensation (Table

Share-Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
Schedule of Share-Based Compensation Expense	The following table presents share-based compensation expense and the related tax benefits for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Share-based compensation expense related to: Stock options $ 69 $ 27 $ 213 $ 90 Restricted stock awards 44 86 165 256 Total share-based compensation expense $ 113 $ 113 $ 378 $ 346 Related tax benefits $ 26 $ 25 $ 89 $ 75 The following table presents unrecognized share-based compensation expense as of the date indicated: September 30, 2024 ($ in thousands) Unrecognized Expense Weighted-Average Remaining Expected Recognition Period Unrecognized share-based compensation expense related to: Stock options $ 591 2.3 years Restricted stock awards 321 2.0 years Total unrecognized share-based compensation expense $ 912 2.2 years
Schedule of Stock Options	The following tables represent stock option activity for the periods indicated: Three Months Ended September 30, 2024 ($ 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 605,764 $ 13.95 5.2 years $ 1,413 Granted 5,000 $ 18.25 10.0 years Exercised (11,351) $ 10.33 1.1 years Forfeited (9,075) $ 10.33 1.1 years Outstanding at end of period 590,338 $ 14.11 5.2 years $ 2,763 Exercisable at end of period 342,338 $ 12.90 2.5 years $ 2,017 Nine Months Ended September 30, 2024 ($ 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 614,715 $ 13.90 5.7 years $ 2,788 Granted 5,000 $ 18.25 10.0 years Exercised (20,302) $ 10.33 1.1 years Forfeited (9,075) $ 10.33 1.1 years Outstanding at end of period 590,338 $ 14.11 5.2 years $ 2,763 Exercisable at end of period 342,338 $ 12.90 2.5 years $ 2,017 The following table represents information regarding unvested stock options for the periods indicated: Three Months Ended September 30, 2024 Nine Months Ended September 30, 2024 Number of Shares Weighted-Average Exercise Price Per Share Number of Shares Weighted-Average Exercise Price Per Share Outstanding at beginning of period 255,000 $ 15.90 271,000 $ 15.85 Granted 5,000 $ 18.25 5,000 $ 18.25 Vested (12,000) $ 19.36 (28,000) $ 16.84 Outstanding at end of period 248,000 $ 15.78 248,000 $ 15.78
Schedule of Restricted Stock Awards	The following table represents restricted stock award activity for the periods indicated: Three Months Ended September 30, 2024 Nine Months Ended September 30, 2024 Number of Shares Weighted-Average Grant Date Fair Value Per Share Number of Shares Weighted-Average Grant Date Fair Value Per Share Outstanding at beginning of period 24,980 $ 19.90 41,661 $ 17.53 Granted 1,500 $ 18.74 1,500 $ 18.74 Vested (7,380) $ 16.82 (23,641) $ 14.83 Forfeited — $ — (420) $ 15.97 Outstanding at end of period 19,100 $ 21.00 19,100 $ 21.00

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2024
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 September 30, Nine Months Ended September 30, ($ in thousands, except per share) 2024 2023 2024 2023 Basic earnings per share: Net income available to common shareholders $ 7,468 $ 7,023 $ 18,292 $ 24,797 Less: income allocated to unvested restricted stock (11) (21) (31) (78) Net income allocated to common stock $ 7,457 $ 7,002 $ 18,261 $ 24,719 Weighted-average total common shares outstanding 14,262,513 14,337,341 14,262,340 14,372,908 Less: weighted-average unvested restricted stock (21,499) (42,539) (24,489) (44,978) Weighted-average common shares outstanding, basic 14,241,014 14,294,802 14,237,851 14,327,930 Basic earnings per share $ 0.52 $ 0.49 $ 1.28 $ 1.73 Diluted earnings per share: Net income allocated to common stock $ 7,457 $ 7,002 $ 18,261 $ 24,719 Weighted-average common shares outstanding, basic 14,241,014 14,294,802 14,237,851 14,327,930 Diluted effect of stock options 115,370 101,414 90,659 114,030 Weighted-average common shares outstanding, diluted 14,356,384 14,396,216 14,328,510 14,441,960 Diluted earnings per share $ 0.52 $ 0.49 $ 1.27 $ 1.71

Off-Balance Sheet Credit Expo_2

Off-Balance Sheet Credit Exposures, Commitments and Other Contingencies (Tables)	9 Months Ended
	Sep. 30, 2024
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: September 30, 2024 December 31, 2023 ($ in thousands) Fixed Rate Variable Rate Fixed Rate Variable Rate Unused lines of credit $ 11,828 $ 381,302 $ 2,808 $ 347,652 Unfunded loan commitments 5,590 34,839 4,020 47,038 Standby letters of credit 5,158 1,516 4,638 1,786 Commercial letters of credit — — — 160 Total $ 22,576 $ 417,657 $ 11,466 $ 396,636

Regulatory Matters (Tables)

Regulatory Matters (Tables)	9 Months Ended
	Sep. 30, 2024
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 September 30, 2024 PCB Bancorp Common tier 1 capital (to risk-weighted assets) $ 299,090 11.92 % $ 112,909 4.5 % N/A N/A Total capital (to risk-weighted assets) 398,395 15.88 % 200,727 8.0 % N/A N/A Tier 1 capital (to risk-weighted assets) 368,231 14.68 % 150,545 6.0 % N/A N/A Tier 1 capital (to average assets) 368,231 12.79 % 115,148 4.0 % N/A N/A PCB Bank Common tier 1 capital (to risk-weighted assets) $ 359,655 14.33 % $ 112,905 4.5 % $ 163,086 6.5 % Total capital (to risk-weighted assets) 389,818 15.54 % 200,721 8.0 % 250,901 10.0 % Tier 1 capital (to risk-weighted assets) 359,655 14.33 % 150,541 6.0 % 200,721 8.0 % Tier 1 capital (to average assets) 359,655 12.49 % 115,146 4.0 % 143,933 5.0 % December 31, 2023 PCB Bancorp Common tier 1 capital (to risk-weighted assets) $ 288,174 12.23 % $ 106,043 4.5 % N/A N/A Total capital (to risk-weighted assets) 386,125 16.39 % 188,521 8.0 % N/A N/A Tier 1 capital (to risk-weighted assets) 357,315 15.16 % 141,391 6.0 % N/A N/A Tier 1 capital (to average assets) 357,315 13.43 % 106,423 4.0 % N/A N/A PCB Bank Common tier 1 capital (to risk-weighted assets) $ 350,038 14.85 % $ 106,081 4.5 % $ 153,228 6.5 % Total capital (to risk-weighted assets) 378,849 16.07 % 188,588 8.0 % 235,735 10.0 % Tier 1 capital (to risk-weighted assets) 350,038 14.85 % 141,441 6.0 % 188,588 8.0 % Tier 1 capital (to average assets) 350,038 13.16 % 106,421 4.0 % 133,026 5.0 %

Revenue Recognition (Tables)

Revenue Recognition (Tables)	9 Months Ended
	Sep. 30, 2024
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 September 30, Nine Months Ended September 30, ($ in thousands) 2024 2023 2024 2023 Noninterest income in-scope of Topic 606 Service charges and fees on deposits: Monthly service fees $ 27 $ 27 $ 77 $ 79 Account analysis fees 250 239 715 699 Non-sufficient funds charges 96 81 272 241 Other deposit related fees 26 24 77 65 Total service charges and fees on deposits 399 371 1,141 1,084 Debit card fees 154 103 253 254 Gain (loss) on sale of other real estate owned — — 13 — Wire transfer fees 156 162 462 467 Other service charges 61 54 177 157 Total $ 770 $ 690 $ 2,046 $ 1,962

Basis of Presentation and Sig_3

Basis of Presentation and Significant Accounting Policies (Details)	9 Months Ended
	Sep. 30, 2024 branch office segment
Product Information [Line Items]
Number of operating segments | segment	1
Number of loan production offices | office	4
California
Product Information [Line Items]
Number of full-service branches	11
New Jersey and New York
Product Information [Line Items]
Number of full-service branches	3
Texas
Product Information [Line Items]
Number of full-service branches	2

Fair Value Measurements - Sched

Fair Value Measurements - Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Securities available-for-sale:
Securities available-for-sale	$ 147,635	$ 143,323
Residential mortgage-backed securities
Securities available-for-sale:
Securities available-for-sale	112,153	104,091
Residential collateralized mortgage obligations
Securities available-for-sale:
Securities available-for-sale	22,386	24,173
SBA loan pool securities
Securities available-for-sale:
Securities available-for-sale	6,431	7,450
Municipal bonds
Securities available-for-sale:
Securities available-for-sale	2,473	3,329
Corporate bonds
Securities available-for-sale:
Securities available-for-sale	4,192	4,280
Recurring
Securities available-for-sale:
Securities available-for-sale	147,635	143,323
Total assets measured at fair value	147,635	143,323
Total liabilities measured at fair value on a recurring basis	0	0
Recurring | Residential mortgage-backed securities
Securities available-for-sale:
Securities available-for-sale	112,153	104,091
Recurring | Residential collateralized mortgage obligations
Securities available-for-sale:
Securities available-for-sale	22,386	24,173
Recurring | SBA loan pool securities
Securities available-for-sale:
Securities available-for-sale	6,431	7,450
Recurring | Municipal bonds
Securities available-for-sale:
Securities available-for-sale	2,473	3,329
Recurring | Corporate bonds
Securities available-for-sale:
Securities available-for-sale	4,192	4,280
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring
Securities available-for-sale:
Securities available-for-sale	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:
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | Residential collateralized mortgage obligations
Securities available-for-sale:
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | SBA loan pool securities
Securities available-for-sale:
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | Municipal bonds
Securities available-for-sale:
Securities available-for-sale	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Recurring | Corporate bonds
Securities available-for-sale:
Securities available-for-sale	0	0
Significant Other Observable Inputs (Level 2) | Recurring
Securities available-for-sale:
Securities available-for-sale	147,635	143,323
Total assets measured at fair value	147,635	143,323
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:
Securities available-for-sale	112,153	104,091
Significant Other Observable Inputs (Level 2) | Recurring | Residential collateralized mortgage obligations
Securities available-for-sale:
Securities available-for-sale	22,386	24,173
Significant Other Observable Inputs (Level 2) | Recurring | SBA loan pool securities
Securities available-for-sale:
Securities available-for-sale	6,431	7,450
Significant Other Observable Inputs (Level 2) | Recurring | Municipal bonds
Securities available-for-sale:
Securities available-for-sale	2,473	3,329
Significant Other Observable Inputs (Level 2) | Recurring | Corporate bonds
Securities available-for-sale:
Securities available-for-sale	4,192	4,280
Significant Unobservable Inputs (Level 3) | Recurring
Securities available-for-sale:
Securities available-for-sale	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:
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) | Recurring | Residential collateralized mortgage obligations
Securities available-for-sale:
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) | Recurring | SBA loan pool securities
Securities available-for-sale:
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) | Recurring | Municipal bonds
Securities available-for-sale:
Securities available-for-sale	0	0
Significant Unobservable Inputs (Level 3) | Recurring | Corporate bonds
Securities available-for-sale:
Securities available-for-sale	$ 0	$ 0

Fair Value Measurements - Sch_2

Fair Value Measurements - Schedule of Assets and Liabilities Measured at Fair Value on a Non-recurring Basis (Details) - Nonrecurring - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	$ 1,290	$ 425
Total assets measured at fair value	1,290	425
Total liabilities measured at fair value on a non-recurring basis	0	0
Business property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	1,274	425
Commercial and industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	16
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	0	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) | Business property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Commercial and industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	0	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) | Business property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	0	0
Significant Other Observable Inputs (Level 2) | Commercial and industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	0
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	1,290	425
Total assets measured at fair value	1,290	425
Total liabilities measured at fair value on a non-recurring basis	0	0
Significant Unobservable Inputs (Level 3) | Business property
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	1,274	$ 425
Significant Unobservable Inputs (Level 3) | Commercial and industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total loans individually evaluated	$ 16

Fair Value Measurements - Sch_3

Fair Value Measurements - Schedule of Quantitative Information About Level 3 Fair Value Measurements (Details) - Nonrecurring $ in Thousands	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total loans individually evaluated	$ 1,290	$ 425
Business property
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total loans individually evaluated	1,274	425
Commercial and industrial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total loans individually evaluated	16
Significant Unobservable Inputs (Level 3)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total loans individually evaluated	1,290	425
Significant Unobservable Inputs (Level 3) | Business property
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total loans individually evaluated	$ 1,274	$ 425
Significant Unobservable Inputs (Level 3) | Business property | Weighted Average
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Weighted-Average (percent)	0.06
Significant Unobservable Inputs (Level 3) | Commercial and industrial
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Total loans individually evaluated	$ 16

Fair Value Measurements - Sch_4

Fair Value Measurements - Schedule of Net Gains (Losses) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net gains (losses) recognized	$ 2	$ (15)	$ 78	$ 1,027
Business property
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net gains (losses) recognized	3	(15)	47	(47)
Commercial and industrial
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Net gains (losses) recognized	$ (1)	$ 0	$ 31	$ 1,074

Fair Value Measurements - Sch_5

Fair Value Measurements - Schedule of Carrying Value and Estimated Fair Values of Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financial assets:
Securities available-for-sale	$ 147,635	$ 143,323
Carrying Value
Financial assets:
Interest-bearing deposits in other financial institutions	163,083	215,824
Securities available-for-sale	147,635	143,323
Loans held-for-sale	5,170	5,155
Net loans held-for-investment	2,437,244	2,295,919
Federal Home Loan Bank (“FHLB”) and other restricted stock	14,042	12,716
Accrued interest receivable	9,896	9,468
Financial liabilities:
Deposits	2,459,682	2,351,612
FHLB advances		39,000
Accrued interest payable	27,985	18,052
Fair Value
Financial assets:
Interest-bearing deposits in other financial institutions	163,083	215,824
Securities available-for-sale	147,635	143,323
Loans held-for-sale	5,625	5,472
Net loans held-for-investment	2,382,466	2,225,573
Accrued interest receivable	9,896	9,468
Financial liabilities:
Deposits	2,466,010	2,353,465
FHLB advances		39,013
Accrued interest payable	27,985	18,052
Fair Value | Level 1
Financial assets:
Interest-bearing deposits in other financial institutions	163,083	215,824
Securities available-for-sale	0	0
Loans held-for-sale	0	0
Net loans held-for-investment	0	0
Accrued interest receivable	275	128
Financial liabilities:
Deposits	0	0
FHLB advances		0
Accrued interest payable	0	0
Fair Value | Level 2
Financial assets:
Interest-bearing deposits in other financial institutions	0	0
Securities available-for-sale	147,635	143,323
Loans held-for-sale	5,625	5,472
Net loans held-for-investment	0	0
Accrued interest receivable	488	513
Financial liabilities:
Deposits	0	0
FHLB advances		39,013
Accrued interest payable	0	192
Fair Value | 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	2,382,466	2,225,573
Accrued interest receivable	9,133	8,827
Financial liabilities:
Deposits	2,466,010	2,353,465
FHLB advances		0
Accrued interest payable	$ 27,985	$ 17,860

Investment Securities - Schedul

Investment Securities - Schedule of Amortized Cost and Fair Value of Securities Available-For-Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Securities available-for-sale:
Amortized Cost	$ 156,960	$ 156,175
Gross Unrealized Gain	818	290
Gross Unrealized Loss	(10,143)	(13,142)
Fair Value	147,635	143,323
Residential mortgage-backed securities
Securities available-for-sale:
Amortized Cost	119,363	114,485
Gross Unrealized Gain	692	199
Gross Unrealized Loss	(7,902)	(10,593)
Fair Value	112,153	104,091
Residential collateralized mortgage obligations
Securities available-for-sale:
Amortized Cost	23,459	25,611
Gross Unrealized Gain	101	63
Gross Unrealized Loss	(1,174)	(1,501)
Fair Value	22,386	24,173
SBA loan pool securities
Securities available-for-sale:
Amortized Cost	6,688	7,773
Gross Unrealized Gain	2	3
Gross Unrealized Loss	(259)	(326)
Fair Value	6,431	7,450
Municipal bonds
Securities available-for-sale:
Amortized Cost	2,450	3,306
Gross Unrealized Gain	23	25
Gross Unrealized Loss	0	(2)
Fair Value	2,473	3,329
Corporate bonds
Securities available-for-sale:
Amortized Cost	5,000	5,000
Gross Unrealized Gain	0	0
Gross Unrealized Loss	(808)	(720)
Fair Value	$ 4,192	$ 4,280

Investment Securities - Narrati

Investment Securities - Narrative (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Marketable Securities [Line Items]
Securities available-for-sale	$ 147,635,000		$ 147,635,000		$ 143,323,000
Accrued interest on securities available-for-sale	488,000		488,000		513,000
Proceeds from sales and calls of securities available-for-sale	0	$ 0	0	$ 0
Allowance for credit loss on available-for-sale securities	0		$ 0		0
Debt Securities, Available-for-Sale, Excluding Accrued Interest | Investment Securities Concentration Risk | Issued By US Government Agency and US Government Sponsored Enterprise
Marketable Securities [Line Items]
Concentration risk percentage			95.30%
Asset Pledged as Collateral
Marketable Securities [Line Items]
Securities available-for-sale	$ 75,400,000		$ 75,400,000		$ 70,900,000

Investment Securities - Sched_2

Investment Securities - Schedule of Investments Classified by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Amortized Cost
Within one year	$ 0
One to five years	82
Five to ten years	6,097
Greater than ten years	1,271
Residential mortgage-backed securities, residential collateralized mortgage obligations and SBA loan pool securities	149,510
Amortized Cost	156,960	$ 156,175
Fair Value
Within one year	0
One to five years	83
Five to ten years	5,297
Greater than ten years	1,285
Residential mortgage-backed securities, residential collateralized mortgage obligations and SBA loan pool securities	140,970
Fair Value	$ 147,635	$ 143,323

Investment Securities - Sched_3

Investment Securities - Schedule of Debt Securities, Available-for-Sale, Unrealized Loss Position, Fair Value (Details) $ in Thousands	Sep. 30, 2024 USD ($) security	Dec. 31, 2023 USD ($) security
Securities available-for-sale:
Less Than 12 Months, Fair Value	$ 1,105	$ 14,993
Less Than 12 Months, Gross Unrealized Losses	$ (4)	$ (103)
Less Than 12 Months, Number of Securities | security	5	13
12 months or Longer, Fair Value	$ 96,632	$ 104,146
12 months or Longer, Gross Unrealized Losses	$ (10,139)	$ (13,040)
12 months or Longer, Number of Securities | security	158	161
Total, Fair Value	$ 97,737	$ 119,139
Total, Gross Unrealized Losses	$ (10,143)	$ (13,142)
Total, Number of Securities | security	163	174
Residential mortgage-backed securities
Securities available-for-sale:
Less Than 12 Months, Fair Value	$ 59	$ 9,252
Less Than 12 Months, Gross Unrealized Losses	$ (1)	$ (41)
Less Than 12 Months, Number of Securities | security	3	8
12 months or Longer, Fair Value	$ 72,529	$ 78,958
12 months or Longer, Gross Unrealized Losses	$ (7,901)	$ (10,552)
12 months or Longer, Number of Securities | security	108	110
Total, Fair Value	$ 72,588	$ 88,210
Total, Gross Unrealized Losses	$ (7,902)	$ (10,593)
Total, Number of Securities | security	111	118
Residential collateralized mortgage obligations
Securities available-for-sale:
Less Than 12 Months, Fair Value	$ 991	$ 5,660
Less Than 12 Months, Gross Unrealized Losses	$ (3)	$ (62)
Less Than 12 Months, Number of Securities | security	1	4
12 months or Longer, Fair Value	$ 14,206	$ 13,919
12 months or Longer, Gross Unrealized Losses	$ (1,171)	$ (1,439)
12 months or Longer, Number of Securities | security	36	35
Total, Fair Value	$ 15,197	$ 19,579
Total, Gross Unrealized Losses	$ (1,174)	$ (1,501)
Total, Number of Securities | security	37	39
SBA loan pool securities
Securities available-for-sale:
Less Than 12 Months, Fair Value	$ 55	$ 0
Less Than 12 Months, Gross Unrealized Losses	$ 0	$ 0
Less Than 12 Months, Number of Securities | security	1	0
12 months or Longer, Fair Value	$ 5,705	$ 6,627
12 months or Longer, Gross Unrealized Losses	$ (259)	$ (326)
12 months or Longer, Number of Securities | security	13	14
Total, Fair Value	$ 5,760	$ 6,627
Total, Gross Unrealized Losses	$ (259)	$ (326)
Total, Number of Securities | security	14	14
Municipal bonds
Securities available-for-sale:
Less Than 12 Months, Fair Value		$ 81
Less Than 12 Months, Gross Unrealized Losses		$ 0
Less Than 12 Months, Number of Securities | security		1
12 months or Longer, Fair Value		$ 362
12 months or Longer, Gross Unrealized Losses		$ (2)
12 months or Longer, Number of Securities | security		1
Total, Fair Value		$ 443
Total, Gross Unrealized Losses		$ (2)
Total, Number of Securities | security		2
Corporate bonds
Securities available-for-sale:
Less Than 12 Months, Fair Value	$ 0	$ 0
Less Than 12 Months, Gross Unrealized Losses	$ 0	$ 0
Less Than 12 Months, Number of Securities | security	0	0
12 months or Longer, Fair Value	$ 4,192	$ 4,280
12 months or Longer, Gross Unrealized Losses	$ (808)	$ (720)
12 months or Longer, Number of Securities | security	1	1
Total, Fair Value	$ 4,192	$ 4,280
Total, Gross Unrealized Losses	$ (808)	$ (720)
Total, Number of Securities | security	1	1

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses on Loans - Schedule of Loans Held-for-Investment (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	$ 2,466,174		$ 2,323,452
Allowance for credit losses on loans	(28,930)	$ (28,747)	(27,533)	$ (25,599)	$ (24,867)	$ (24,942)
Net loans held-for-investment	2,437,244		2,295,919
Officers and Directors
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	108		111
Total commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	1,660,920		1,571,385
Total commercial real estate | Commercial property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	874,824		855,270
Allowance for credit losses on loans	(10,385)	(11,900)	(12,665)	(11,348)	(9,601)	(8,502)
Total commercial real estate | Business property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	579,461		558,772
Allowance for credit losses on loans	(5,524)	(4,848)	(4,739)	(4,157)	(6,077)	(5,749)
Total commercial real estate | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	185,485		132,500
Allowance for credit losses on loans	(1,647)	(1,661)	(1,441)	(1,813)	(1,259)	(1,134)
Total commercial real estate | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	21,150		24,843
Allowance for credit losses on loans	(93)	(131)	(135)	(95)	(125)	(151)
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	407,024		342,002
Allowance for credit losses on loans	(8,250)	(7,186)	(6,245)	(6,008)	(6,513)	(5,502)
Total consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	398,230		410,065
Total consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	383,377		389,420
Allowance for credit losses on loans	(2,963)	(2,957)	(2,226)	(2,093)	(1,216)	(3,691)
Total consumer | Other consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-investment	14,853		20,645
Allowance for credit losses on loans	$ (68)	$ (64)	$ (82)	$ (85)	$ (76)	$ (213)

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses on Loans - Schedule of Allowance for Credit Losses on Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision (reversal) for credit losses on loans	$ 193	$ 822	$ 1,444	$ (1,438)
Provision (reversal) for credit losses on off-balance sheet credit exposures	(143)	(71)	(45)	(392)
Total provision (reversal) for credit losses	50	751	1,399	(1,830)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	28,747	24,867	27,533	24,942
Charge-offs	(111)	(112)	(296)	(119)
Recoveries	101	22	249	1,147
Provision (reversal) for credit losses on loans	193	822	1,444	(1,438)
Ending balance	28,930	25,599	28,930	25,599
Impact of ASC 326 adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance				1,067
Total commercial real estate | Commercial Property
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision (reversal) for credit losses on loans	(1,515)	1,747	(2,280)	4,608
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	11,900	9,601	12,665	8,502
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision (reversal) for credit losses on loans	(1,515)	1,747	(2,280)	4,608
Ending balance	10,385	11,348	10,385	11,348
Total 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)
Total commercial real estate | Business Property
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision (reversal) for credit losses on loans	779	(1,922)	886	(2,492)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	4,848	6,077	4,739	5,749
Charge-offs	(104)	0	(104)	(4)
Recoveries	1	2	3	8
Provision (reversal) for credit losses on loans	779	(1,922)	886	(2,492)
Ending balance	5,524	4,157	5,524	4,157
Total commercial real estate | Business Property | Impact of ASC 326 adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance				896
Total commercial real estate | Multifamily
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision (reversal) for credit losses on loans	(14)	554	206	423
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,661	1,259	1,441	1,134
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision (reversal) for credit losses on loans	(14)	554	206	423
Ending balance	1,647	1,813	1,647	1,813
Total commercial real estate | Multifamily | Impact of ASC 326 adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance				256
Total commercial real estate | Construction
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision (reversal) for credit losses on loans	(38)	(30)	(42)	(56)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	131	125	135	151
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision (reversal) for credit losses on loans	(38)	(30)	(42)	(56)
Ending balance	93	95	93	95
Total commercial real estate | Construction | Impact of ASC 326 adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance				0
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision (reversal) for credit losses on loans	1,056	(468)	2,073	(4,893)
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	7,186	6,513	6,245	5,502
Charge-offs	0	(45)	(155)	(45)
Recoveries	8	8	87	1,100
Provision (reversal) for credit losses on loans	1,056	(468)	2,073	(4,893)
Ending balance	8,250	6,008	8,250	6,008
Commercial and industrial | Impact of ASC 326 adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance				4,344
Total consumer | Residential Mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision (reversal) for credit losses on loans	6	877	737	936
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	2,957	1,216	2,226	3,691
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision (reversal) for credit losses on loans	6	877	737	936
Ending balance	2,963	2,093	2,963	2,093
Total consumer | Residential Mortgage | Impact of ASC 326 adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance				(2,534)
Total consumer | Other Consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision (reversal) for credit losses on loans	(81)	64	(136)	36
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance	64	76	82	213
Charge-offs	(7)	(67)	(37)	(70)
Recoveries	92	12	159	39
Provision (reversal) for credit losses on loans	(81)	64	(136)	36
Ending balance	$ 68	$ 85	$ 68	85
Total consumer | Other Consumer | Impact of ASC 326 adoption
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Beginning balance				$ (133)

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses on Loans - Schedule of Credit Quality Indicators (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	$ 222,049		$ 222,049		$ 439,138
Year one, originated current fiscal year, writeoff			0
Year two, originated one year before current fiscal year	420,554		420,554		622,022
Year two, originated one year before current fiscal year, writeoff			12
Year three, originated two years before current fiscal year	597,786		597,786		456,202
Year three, originated two years before current fiscal year, writeoff			92
Year four, originated three years before current fiscal year	428,331		428,331		185,227
Year four, originated three years before current fiscal year, writeoff			0
Year five, originated four years before current fiscal year	163,393		163,393		166,969
Year five, originated four years before current fiscal year, writeoff			10
Prior	304,824		304,824		233,882
Prior, writeoff			32
Revolving Loans	321,675		321,675		211,889
Revolving Loans, writeoff			0
Revolving Loans Converted to Term	7,562		7,562		8,123
Revolving Loans Converted to Term, writeoff			150
Total	2,466,174		2,466,174		2,323,452
Current period gross write offs	111	$ 112	296	$ 119
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	222,049		222,049		439,138
Year two, originated one year before current fiscal year	420,383		420,383		621,555
Year three, originated two years before current fiscal year	591,871		591,871		455,525
Year four, originated three years before current fiscal year	425,428		425,428		184,838
Year five, originated four years before current fiscal year	163,393		163,393		163,948
Prior	299,896		299,896		227,280
Revolving Loans	321,675		321,675		210,889
Revolving Loans Converted to Term	7,562		7,562		8,123
Total	2,452,257		2,452,257		2,311,296
Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	5,057		5,057		484
Year four, originated three years before current fiscal year	0		0		379
Year five, originated four years before current fiscal year	0		0		314
Prior	0		0		2,979
Revolving Loans	0		0		1,000
Revolving Loans Converted to Term	0		0		0
Total	5,057		5,057		5,156
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	171		171		467
Year three, originated two years before current fiscal year	858		858		193
Year four, originated three years before current fiscal year	2,903		2,903		10
Year five, originated four years before current fiscal year	0		0		2,707
Prior	4,928		4,928		3,623
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	8,860		8,860		7,000
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		0
Total commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Total	1,660,920		1,660,920		1,571,385
Total commercial real estate | Commercial property
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	90,144		90,144		154,563
Year one, originated current fiscal year, writeoff			0
Year two, originated one year before current fiscal year	143,806		143,806		268,369
Year two, originated one year before current fiscal year, writeoff			0
Year three, originated two years before current fiscal year	261,056		261,056		156,301
Year three, originated two years before current fiscal year, writeoff			0
Year four, originated three years before current fiscal year	149,104		149,104		83,461
Year four, originated three years before current fiscal year, writeoff			0
Year five, originated four years before current fiscal year	77,092		77,092		70,736
Year five, originated four years before current fiscal year, writeoff			0
Prior	132,679		132,679		113,033
Prior, writeoff			0
Revolving Loans	20,556		20,556		8,807
Revolving Loans, writeoff			0
Revolving Loans Converted to Term	387		387		0
Revolving Loans Converted to Term, writeoff			0
Total	874,824		874,824		855,270
Current period gross write offs	0	0	0	0
Total commercial real estate | Commercial property | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	90,144		90,144		154,563
Year two, originated one year before current fiscal year	143,673		143,673		268,369
Year three, originated two years before current fiscal year	260,646		260,646		155,817
Year four, originated three years before current fiscal year	149,104		149,104		83,461
Year five, originated four years before current fiscal year	77,092		77,092		70,425
Prior	130,013		130,013		107,879
Revolving Loans	20,556		20,556		8,807
Revolving Loans Converted to Term	387		387		0
Total	871,615		871,615		849,321
Total commercial real estate | Commercial property | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		484
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		2,952
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		3,436
Total commercial real estate | Commercial property | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	133		133		0
Year three, originated two years before current fiscal year	410		410		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		311
Prior	2,666		2,666		2,202
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	3,209		3,209		2,513
Total commercial real estate | Commercial property | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		0
Total commercial real estate | Business property
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	65,709		65,709		103,364
Year one, originated current fiscal year, writeoff			0
Year two, originated one year before current fiscal year	100,737		100,737		104,001
Year two, originated one year before current fiscal year, writeoff			0
Year three, originated two years before current fiscal year	101,361		101,361		163,329
Year three, originated two years before current fiscal year, writeoff			77
Year four, originated three years before current fiscal year	152,634		152,634		50,362
Year four, originated three years before current fiscal year, writeoff			0
Year five, originated four years before current fiscal year	45,463		45,463		72,106
Year five, originated four years before current fiscal year, writeoff			0
Prior	107,521		107,521		60,401
Prior, writeoff			27
Revolving Loans	2,256		2,256		882
Revolving Loans, writeoff			0
Revolving Loans Converted to Term	3,780		3,780		4,327
Revolving Loans Converted to Term, writeoff			0
Total	579,461		579,461		558,772
Current period gross write offs	104	0	104	4
Total commercial real estate | Business property | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	65,709		65,709		103,364
Year two, originated one year before current fiscal year	100,737		100,737		103,549
Year three, originated two years before current fiscal year	95,856		95,856		163,136
Year four, originated three years before current fiscal year	151,769		151,769		50,362
Year five, originated four years before current fiscal year	45,463		45,463		69,852
Prior	105,797		105,797		59,765
Revolving Loans	2,256		2,256		882
Revolving Loans Converted to Term	3,780		3,780		4,327
Total	571,367		571,367		555,237
Total commercial real estate | Business property | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	5,057		5,057		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	5,057		5,057		0
Total commercial real estate | Business property | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		452
Year three, originated two years before current fiscal year	448		448		193
Year four, originated three years before current fiscal year	865		865		0
Year five, originated four years before current fiscal year	0		0		2,254
Prior	1,724		1,724		636
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	3,037		3,037		3,535
Total commercial real estate | Business property | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		0
Total commercial real estate | Multifamily
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	19,920		19,920		14,219
Year one, originated current fiscal year, writeoff			0
Year two, originated one year before current fiscal year	53,051		53,051		40,618
Year two, originated one year before current fiscal year, writeoff			0
Year three, originated two years before current fiscal year	40,063		40,063		42,848
Year three, originated two years before current fiscal year, writeoff			0
Year four, originated three years before current fiscal year	40,396		40,396		26,472
Year four, originated three years before current fiscal year, writeoff			0
Year five, originated four years before current fiscal year	25,937		25,937		2,419
Year five, originated four years before current fiscal year, writeoff			0
Prior	5,117		5,117		5,924
Prior, writeoff			0
Revolving Loans	1,001		1,001		0
Revolving Loans, writeoff			0
Revolving Loans Converted to Term	0		0		0
Revolving Loans Converted to Term, writeoff			0
Total	185,485		185,485		132,500
Current period gross write offs	0	0	0	0
Total commercial real estate | Multifamily | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	19,920		19,920		14,219
Year two, originated one year before current fiscal year	53,051		53,051		40,618
Year three, originated two years before current fiscal year	40,063		40,063		42,848
Year four, originated three years before current fiscal year	38,358		38,358		26,472
Year five, originated four years before current fiscal year	25,937		25,937		2,419
Prior	5,117		5,117		5,924
Revolving Loans	1,001		1,001		0
Revolving Loans Converted to Term	0		0		0
Total	183,447		183,447		132,500
Total commercial real estate | Multifamily | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		0
Total commercial real estate | Multifamily | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	2,038		2,038		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	2,038		2,038		0
Total commercial real estate | Multifamily | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		0
Total commercial real estate | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	29		29		4,617
Year one, originated current fiscal year, writeoff			0
Year two, originated one year before current fiscal year	8,461		8,461		9,120
Year two, originated one year before current fiscal year, writeoff			0
Year three, originated two years before current fiscal year	12,660		12,660		0
Year three, originated two years before current fiscal year, writeoff			0
Year four, originated three years before current fiscal year	0		0		7,500
Year four, originated three years before current fiscal year, writeoff			0
Year five, originated four years before current fiscal year	0		0		3,606
Year five, originated four years before current fiscal year, writeoff			0
Prior	0		0		0
Prior, writeoff			0
Revolving Loans	0		0		0
Revolving Loans, writeoff			0
Revolving Loans Converted to Term	0		0		0
Revolving Loans Converted to Term, writeoff			0
Total	21,150		21,150		24,843
Current period gross write offs	0	0	0	0
Total commercial real estate | Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	29		29		4,617
Year two, originated one year before current fiscal year	8,461		8,461		9,120
Year three, originated two years before current fiscal year	12,660		12,660		0
Year four, originated three years before current fiscal year	0		0		7,500
Year five, originated four years before current fiscal year	0		0		3,606
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	21,150		21,150		24,843
Total commercial real estate | Construction | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		0
Total commercial real estate | Construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		0
Total commercial real estate | Construction | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		0
Commercial and industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	28,303		28,303		77,957
Year one, originated current fiscal year, writeoff			0
Year two, originated one year before current fiscal year	35,694		35,694		28,638
Year two, originated one year before current fiscal year, writeoff			0
Year three, originated two years before current fiscal year	23,060		23,060		11,950
Year three, originated two years before current fiscal year, writeoff			0
Year four, originated three years before current fiscal year	9,848		9,848		4,733
Year four, originated three years before current fiscal year, writeoff			0
Year five, originated four years before current fiscal year	3,423		3,423		6,779
Year five, originated four years before current fiscal year, writeoff			0
Prior	9,133		9,133		9,139
Prior, writeoff			5
Revolving Loans	294,168		294,168		199,010
Revolving Loans, writeoff			0
Revolving Loans Converted to Term	3,395		3,395		3,796
Revolving Loans Converted to Term, writeoff			150
Total	407,024		407,024		342,002
Current period gross write offs	0	45	155	45
Commercial and industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	28,303		28,303		77,957
Year two, originated one year before current fiscal year	35,694		35,694		28,638
Year three, originated two years before current fiscal year	23,060		23,060		11,950
Year four, originated three years before current fiscal year	9,848		9,848		4,354
Year five, originated four years before current fiscal year	3,423		3,423		6,323
Prior	9,009		9,009		8,327
Revolving Loans	294,168		294,168		198,010
Revolving Loans Converted to Term	3,395		3,395		3,796
Total	406,900		406,900		339,355
Commercial and industrial | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		379
Year five, originated four years before current fiscal year	0		0		314
Prior	0		0		27
Revolving Loans	0		0		1,000
Revolving Loans Converted to Term	0		0		0
Total	0		0		1,720
Commercial and industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		142
Prior	124		124		785
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	124		124		927
Commercial and industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		0
Total consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total	398,230		398,230		410,065
Total consumer | Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	17,670		17,670		79,581
Year one, originated current fiscal year, writeoff			0
Year two, originated one year before current fiscal year	75,436		75,436		163,734
Year two, originated one year before current fiscal year, writeoff			0
Year three, originated two years before current fiscal year	154,579		154,579		78,499
Year three, originated two years before current fiscal year, writeoff			0
Year four, originated three years before current fiscal year	74,455		74,455		11,363
Year four, originated three years before current fiscal year, writeoff			0
Year five, originated four years before current fiscal year	10,913		10,913		10,865
Year five, originated four years before current fiscal year, writeoff			0
Prior	50,324		50,324		45,378
Prior, writeoff			0
Revolving Loans	0		0		0
Revolving Loans, writeoff			0
Revolving Loans Converted to Term	0		0		0
Revolving Loans Converted to Term, writeoff			0
Total	383,377		383,377		389,420
Current period gross write offs	0	0	0	0
Total consumer | Residential mortgage | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	17,670		17,670		79,581
Year two, originated one year before current fiscal year	75,436		75,436		163,734
Year three, originated two years before current fiscal year	154,579		154,579		78,499
Year four, originated three years before current fiscal year	74,455		74,455		11,363
Year five, originated four years before current fiscal year	10,913		10,913		10,865
Prior	49,910		49,910		45,378
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	382,963		382,963		389,420
Total consumer | Residential mortgage | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		0
Total consumer | Residential mortgage | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	414		414		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	414		414		0
Total consumer | Residential mortgage | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		0
Total consumer | Other consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	274		274		4,837
Year one, originated current fiscal year, writeoff			0
Year two, originated one year before current fiscal year	3,369		3,369		7,542
Year two, originated one year before current fiscal year, writeoff			12
Year three, originated two years before current fiscal year	5,007		5,007		3,275
Year three, originated two years before current fiscal year, writeoff			15
Year four, originated three years before current fiscal year	1,894		1,894		1,336
Year four, originated three years before current fiscal year, writeoff			0
Year five, originated four years before current fiscal year	565		565		458
Year five, originated four years before current fiscal year, writeoff			10
Prior	50		50		7
Prior, writeoff			0
Revolving Loans	3,694		3,694		3,190
Revolving Loans, writeoff			0
Revolving Loans Converted to Term	0		0		0
Revolving Loans Converted to Term, writeoff			0
Total	14,853		14,853		20,645
Current period gross write offs	7	$ 67	37	$ 70
Total consumer | Other consumer | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	274		274		4,837
Year two, originated one year before current fiscal year	3,331		3,331		7,527
Year three, originated two years before current fiscal year	5,007		5,007		3,275
Year four, originated three years before current fiscal year	1,894		1,894		1,326
Year five, originated four years before current fiscal year	565		565		458
Prior	50		50		7
Revolving Loans	3,694		3,694		3,190
Revolving Loans Converted to Term	0		0		0
Total	14,815		14,815		20,620
Total consumer | Other consumer | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	0		0		0
Total consumer | Other consumer | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	38		38		15
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		10
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	38		38		25
Total consumer | Other consumer | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Year one, originated current fiscal year	0		0		0
Year two, originated one year before current fiscal year	0		0		0
Year three, originated two years before current fiscal year	0		0		0
Year four, originated three years before current fiscal year	0		0		0
Year five, originated four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	$ 0		$ 0		$ 0

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses on Loans - Schedule of Nonaccrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	$ 6,614	$ 3,916
Nonaccrual Loans with ACL	1,645	714
ACL on Nonaccrual Loans	317	264
Collateral Dependent Nonaccrual Loans	6,529	3,891
ACL on Collateral Dependent Nonaccrual Loans	286	264
Loans guaranteed by US government agency
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	0	0
Total commercial real estate
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	6,038	3,823
Nonaccrual Loans with ACL	1,560	689
ACL on Nonaccrual Loans	286	264
Collateral Dependent Nonaccrual Loans	6,038	3,823
ACL on Collateral Dependent Nonaccrual Loans	286	264
Total commercial real estate | Commercial property
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	1,633	958
Nonaccrual Loans with ACL	0	0
ACL on Nonaccrual Loans	0	0
Collateral Dependent Nonaccrual Loans	1,633	958
ACL on Collateral Dependent Nonaccrual Loans	0	0
Total commercial real estate | Business property
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	2,367	2,865
Nonaccrual Loans with ACL	1,560	689
ACL on Nonaccrual Loans	286	264
Collateral Dependent Nonaccrual Loans	2,367	2,865
ACL on Collateral Dependent Nonaccrual Loans	286	264
Total commercial real estate | Multifamily
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	2,038
Nonaccrual Loans with ACL	0
ACL on Nonaccrual Loans	0
Collateral Dependent Nonaccrual Loans	2,038
ACL on Collateral Dependent Nonaccrual Loans	0
Commercial and industrial
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	124	68
Nonaccrual Loans with ACL	47	0
ACL on Nonaccrual Loans	31	0
Collateral Dependent Nonaccrual Loans	77	68
ACL on Collateral Dependent Nonaccrual Loans	0	0
Total consumer
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	452	25
Nonaccrual Loans with ACL	38	25
ACL on Nonaccrual Loans	0	0
Collateral Dependent Nonaccrual Loans	414	0
ACL on Collateral Dependent Nonaccrual Loans	0	0
Total consumer | Residential mortgage
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	414
Nonaccrual Loans with ACL	0
ACL on Nonaccrual Loans	0
Collateral Dependent Nonaccrual Loans	414
ACL on Collateral Dependent Nonaccrual Loans	0
Total consumer | Other consumer
Financing Receivable, Nonaccrual [Line Items]
Total Nonaccrual Loans	38	25
Nonaccrual Loans with ACL	38	25
ACL on Nonaccrual Loans	0	0
Collateral Dependent Nonaccrual Loans	0	0
ACL on Collateral Dependent Nonaccrual Loans	$ 0	$ 0

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses on Loans - Schedule of Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 6,529	$ 3,891
Hotel / Motel
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,644	971
Warehouse
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	2,137
Car Wash
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,718	0
Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	613	689
Apartment
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,038	0
Single Family Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	480	55
Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	36	39
Total commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	6,038	3,823
Total commercial real estate | Hotel / Motel
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,633	958
Total commercial real estate | Warehouse
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	2,137
Total commercial real estate | Car Wash
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,718	0
Total commercial real estate | Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	613	689
Total commercial real estate | Apartment
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,038	0
Total commercial real estate | Single Family Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Total commercial real estate | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	36	39
Total commercial real estate | Commercial property
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,633	958
Total commercial real estate | Commercial property | Hotel / Motel
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,633	958
Total commercial real estate | Commercial property | Warehouse
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Total commercial real estate | Commercial property | Car Wash
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Total commercial real estate | Commercial property | Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Total commercial real estate | Commercial property | Apartment
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Total commercial real estate | Commercial property | Single Family Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Total commercial real estate | Commercial property | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Total commercial real estate | Business property
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,367	2,865
Total commercial real estate | Business property | Hotel / Motel
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Total commercial real estate | Business property | Warehouse
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	2,137
Total commercial real estate | Business property | Car Wash
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	1,718	0
Total commercial real estate | Business property | Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	613	689
Total commercial real estate | Business property | Apartment
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Total commercial real estate | Business property | Single Family Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Total commercial real estate | Business property | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	36	39
Total commercial real estate | Multifamily
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,038
Total commercial real estate | Multifamily | Hotel / Motel
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total commercial real estate | Multifamily | Warehouse
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total commercial real estate | Multifamily | Car Wash
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total commercial real estate | Multifamily | Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total commercial real estate | Multifamily | Apartment
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	2,038
Total commercial real estate | Multifamily | Single Family Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total commercial real estate | Multifamily | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	77	68
Commercial and industrial | Hotel / Motel
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	11	13
Commercial and industrial | Warehouse
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Commercial and industrial | Car Wash
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Commercial and industrial | Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Commercial and industrial | Apartment
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	0
Commercial and industrial | Single Family Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	66	55
Commercial and industrial | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	$ 0
Total consumer
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	414
Total consumer | Hotel / Motel
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total consumer | Warehouse
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total consumer | Car Wash
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total consumer | Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total consumer | Apartment
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total consumer | Single Family Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	414
Total consumer | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total consumer | Residential mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	414
Total consumer | Residential mortgage | Hotel / Motel
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total consumer | Residential mortgage | Warehouse
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total consumer | Residential mortgage | Car Wash
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total consumer | Residential mortgage | Retail
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total consumer | Residential mortgage | Apartment
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0
Total consumer | Residential mortgage | Single Family Residential
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	414
Total consumer | Residential mortgage | Other
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 0

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses on Loans - Schedule of Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable, Past Due [Line Items]
Nonaccrual	$ 6,614	$ 3,916
Total commercial real estate
Financing Receivable, Past Due [Line Items]
Nonaccrual	6,038	3,823
Total commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Nonaccrual	1,633	958
Total commercial real estate | Business property
Financing Receivable, Past Due [Line Items]
Nonaccrual	2,367	2,865
Total commercial real estate | Multifamily
Financing Receivable, Past Due [Line Items]
Nonaccrual	2,038
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Nonaccrual	124	68
Total consumer
Financing Receivable, Past Due [Line Items]
Nonaccrual	452	25
Total consumer | Residential mortgage
Financing Receivable, Past Due [Line Items]
Nonaccrual	414
Total consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Nonaccrual	38	25
Total
Financing Receivable, Past Due [Line Items]
Still Accruing	2,994	1,428
Nonaccrual	4,204	521
Total Loans Past Due	7,198	1,949
Total | Total commercial real estate
Financing Receivable, Past Due [Line Items]
Still Accruing	937	560
Nonaccrual	3,628	503
Total Loans Past Due	4,565	1,063
Total | Total commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Still Accruing	257	0
Nonaccrual	883	296
Total Loans Past Due	1,140	296
Total | Total commercial real estate | Business property
Financing Receivable, Past Due [Line Items]
Still Accruing	680	560
Nonaccrual	707	207
Total Loans Past Due	1,387	767
Total | Total commercial real estate | Multifamily
Financing Receivable, Past Due [Line Items]
Still Accruing	0
Nonaccrual	2,038
Total Loans Past Due	2,038
Total | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Still Accruing	698	217
Nonaccrual	124	0
Total Loans Past Due	822	217
Total | Total consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	1,359	651
Nonaccrual	452	18
Total Loans Past Due	1,811	669
Total | Total consumer | Residential mortgage
Financing Receivable, Past Due [Line Items]
Still Accruing	1,212	604
Nonaccrual	414	0
Total Loans Past Due	1,626	604
Total | Total consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	147	47
Nonaccrual	38	18
Total Loans Past Due	185	65
30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Still Accruing	2,973	1,394
Nonaccrual	641	0
30 to 59 Days Past Due | Total commercial real estate
Financing Receivable, Past Due [Line Items]
Still Accruing	937	560
Nonaccrual	607	0
30 to 59 Days Past Due | Total commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Still Accruing	257	0
Nonaccrual	607	0
30 to 59 Days Past Due | Total commercial real estate | Business property
Financing Receivable, Past Due [Line Items]
Still Accruing	680	560
Nonaccrual	0	0
30 to 59 Days Past Due | Total commercial real estate | Multifamily
Financing Receivable, Past Due [Line Items]
Still Accruing	0
Nonaccrual	0
30 to 59 Days Past Due | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Still Accruing	698	217
Nonaccrual	34	0
30 to 59 Days Past Due | Total consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	1,338	617
Nonaccrual	0	0
30 to 59 Days Past Due | Total consumer | Residential mortgage
Financing Receivable, Past Due [Line Items]
Still Accruing	1,212	604
Nonaccrual	0	0
30 to 59 Days Past Due | Total consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	126	13
Nonaccrual	0	0
60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Still Accruing	21	34
Nonaccrual	460	350
60 to 89 Days Past Due | Total commercial real estate
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	0	335
60 to 89 Days Past Due | Total commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	0	296
60 to 89 Days Past Due | Total commercial real estate | Business property
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	0	39
60 to 89 Days Past Due | Total commercial real estate | Multifamily
Financing Receivable, Past Due [Line Items]
Still Accruing	0
Nonaccrual	0
60 to 89 Days Past Due | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	46	0
60 to 89 Days Past Due | Total consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	21	34
Nonaccrual	414	15
60 to 89 Days Past Due | Total consumer | Residential mortgage
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	414	0
60 to 89 Days Past Due | Total consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	21	34
Nonaccrual	0	15
90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	3,103	171
90 or More Days Past Due | Total commercial real estate
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	3,021	168
90 or More Days Past Due | Total commercial real estate | Commercial property
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	276	0
90 or More Days Past Due | Total commercial real estate | Business property
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	707	168
90 or More Days Past Due | Total commercial real estate | Multifamily
Financing Receivable, Past Due [Line Items]
Still Accruing	0
Nonaccrual	2,038
90 or More Days Past Due | Commercial and industrial
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	44	0
90 or More Days Past Due | Total consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	38	3
90 or More Days Past Due | Total consumer | Residential mortgage
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	0	0
90 or More Days Past Due | Total consumer | Other consumer
Financing Receivable, Past Due [Line Items]
Still Accruing	0	0
Nonaccrual	$ 38	$ 3

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses on Loans - Schedule of Loan Modification (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 1,183,000	$ 0	$ 2,684,000	$ 0
Percentage to Each Loan Segment	0.10%		0.10%
Commitments to lend	$ 0		$ 0
Combination of Other-Than-Insignificant Payment Delay and Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	1,183,000		2,684,000
Total commercial real estate
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 1,183,000		$ 2,640,000
Percentage to Each Loan Segment	0.10%		0.20%
Total commercial real estate | Combination of Other-Than-Insignificant Payment Delay and Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 1,183,000		$ 2,640,000
Total commercial real estate | Commercial property
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total			$ 410,000
Percentage to Each Loan Segment			0.10%
Total commercial real estate | Commercial property | Combination of Other-Than-Insignificant Payment Delay and Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total			$ 410,000
Total commercial real estate | Commercial property | Fixed Payment
Financing Receivable, Troubled Debt Restructuring [Line Items]
Combination of other-than-insignificant payment delay and term extension			6 months
Total commercial real estate | Commercial property | Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Combination of other-than-insignificant payment delay and term extension			6 months
Total commercial real estate | Business property
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 1,183,000		$ 2,230,000
Percentage to Each Loan Segment	0.20%		0.40%
Total commercial real estate | Business property | Combination of Other-Than-Insignificant Payment Delay and Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total	$ 1,183,000		$ 2,230,000
Total commercial real estate | Business property | Fixed Payment
Financing Receivable, Troubled Debt Restructuring [Line Items]
Combination of other-than-insignificant payment delay and term extension	6 months		6 months
Total commercial real estate | Business property | Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Combination of other-than-insignificant payment delay and term extension	6 months		6 months
Commercial and industrial
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total			$ 44,000
Percentage to Each Loan Segment			0.10%
Commercial and industrial | Combination of Other-Than-Insignificant Payment Delay and Term Extension
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total			$ 44,000
Commercial and industrial | Fixed Payment
Financing Receivable, Troubled Debt Restructuring [Line Items]
Combination of other-than-insignificant payment delay and term extension			6 months
Commercial and industrial | Extended Maturity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Combination of other-than-insignificant payment delay and term extension			6 months

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses on Loans - Schedule of Loan Modifications Past Due (Details) $ in Thousands	Sep. 30, 2024 USD ($)
Financing Receivable, Past Due [Line Items]
Total	$ 715
30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total	0
60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total	0
90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total	715
Total commercial real estate
Financing Receivable, Past Due [Line Items]
Total	671
Total commercial real estate | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total	0
Total commercial real estate | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total	0
Total commercial real estate | 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total	671
Total commercial real estate | Business property
Financing Receivable, Past Due [Line Items]
Total	671
Total commercial real estate | Business property | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total	0
Total commercial real estate | Business property | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total	0
Total commercial real estate | Business property | 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total	671
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Total	44
Commercial and industrial | 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total	0
Commercial and industrial | 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total	0
Commercial and industrial | 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total	$ 44

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses on Loans - Schedule of Purchases, Sales, and Transfers (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Transfer of loans to held-for-sale	$ 676	$ 0	$ 676	$ 0
Transfer of loans to held-for-investment	0	0	0	0
Purchases of loans held-for-investment	0	0	0	15,741
Total consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Transfer of loans to held-for-sale	676	0	676	0
Purchases of loans held-for-investment	0	0	0	15,741
Total consumer | Residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Transfer of loans to held-for-sale	676	0	676	0
Purchases of loans held-for-investment	$ 0	$ 0	$ 0	$ 15,741

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses on Loans - Schedule of Loans Held-for-Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 5,170	$ 5,155
Total commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	4,500	2,802
Total commercial real estate | Business property
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	4,500	2,802
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 670	$ 2,353

Other Real Estate Owned - OREO

Other Real Estate Owned - OREO Activity (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Change in Other Real Estate Owned
Balance at beginning of year	$ 0	$ 0	$ 2,558	$ 0	$ 0
Additions	466	0	466	0	2,600
Sales	0	0	(2,558)	0
Balance at end of year	466	0	466	0	2,558
Change in Other Real Estate Owned Valuation Allowance
Balance at beginning of year	0	0	0	0	0
Additions	0	0	0	0
Net direct write-downs and removal from sale	0	0	0	0
Balance at end of year	0	0	0	0	$ 0
Expenses related to OREOs	5	0	(6)	0
Net (gain) loss on sales
Change in Other Real Estate Owned Valuation Allowance
Expenses related to OREOs	0	0	(13)	0
Operating expenses, net of rental income
Change in Other Real Estate Owned Valuation Allowance
Expenses related to OREOs	$ 5	$ 0	$ 7	$ 0

Other Real Estate Owned - Narra

Other Real Estate Owned - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
OREO recognized	$ 466	$ 0	$ 466	$ 0	$ 2,600
Loans to finance sale of OREO properties			$ 0
Total commercial real estate | SBA 7(a) loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan transferred to OREO					$ 593
Unguaranteed percentage of loan					25%
Guaranty percentage of loan					75%

Servicing Assets - Narrative (D

Servicing Assets - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Transfers and Servicing [Abstract]
Loans sold with servicing rights retained	$ 13,500	$ 17,700	$ 46,500	$ 61,600
Net gain on sale	750	689	2,600	2,800
Loan servicing income	$ 786	$ 851	$ 2,500	$ 2,600

Servicing Assets - Schedule of

Servicing Assets - Schedule of Servicing Assets with Key Assumptions Used to Estimate Fair Value (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023	Jun. 30, 2024	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Servicing Assets at Fair Value [Line Items]
Carrying amount	$ 5,902	$ 6,666	$ 6,205	$ 6,920	$ 7,142	$ 7,347
Fair value	8,482	9,116
Underlying loans being serviced	527,062	532,231
Residential Mortgage
Servicing Assets at Fair Value [Line Items]
Carrying amount	43	49	45	51	55	64
Fair value	$ 95	$ 104
Discount rate	7.85%	9.93%
Prepayment speed	14.62%	12.75%
Weighted-average remaining life	19 years	19 years 9 months 18 days
Underlying loans being serviced	$ 9,560	$ 10,666
CRE SBA
Servicing Assets at Fair Value [Line Items]
Carrying amount	5,343	6,135	5,656	6,434	6,655	6,831
Fair value	$ 7,580	$ 8,284
Discount rate	12.14%	12.30%
Prepayment speed	18.46%	16.71%
Weighted-average remaining life	20 years 8 months 12 days	21 years
Underlying loans being serviced	$ 453,823	$ 461,300
C&I SBA
Servicing Assets at Fair Value [Line Items]
Carrying amount	516	482	$ 504	$ 435	$ 432	$ 452
Fair value	$ 807	$ 728
Discount rate	15.85%	15.46%
Prepayment speed	14.10%	13.97%
Weighted-average remaining life	7 years 3 months 18 days	7 years 1 month 6 days
Underlying loans being serviced	$ 63,679	$ 60,265

Servicing Assets - Schedule o_2

Servicing Assets - Schedule of Servicing Asset (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Balance at beginning of period	$ 6,205	$ 7,142	$ 6,666	$ 7,347
Additions	176	249	608	917
Amortization	(479)	(471)	(1,372)	(1,344)
Balance at end of period	5,902	6,920	5,902	6,920
Residential Mortgage
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Balance at beginning of period	45	55	49	64
Additions	0	0	0	0
Amortization	(2)	(4)	(6)	(13)
Balance at end of period	43	51	43	51
CRE SBA
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Balance at beginning of period	5,656	6,655	6,135	6,831
Additions	107	199	427	787
Amortization	(420)	(420)	(1,219)	(1,184)
Balance at end of period	5,343	6,434	5,343	6,434
C&I SBA
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Balance at beginning of period	504	432	482	452
Additions	69	50	181	130
Amortization	(57)	(47)	(147)	(147)
Balance at end of period	$ 516	$ 435	$ 516	$ 435

Operating Leases - Schedule of

Operating Leases - Schedule of Operating Lease Cost and Supplemental Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Leases [Abstract]
Operating lease cost	$ 889	$ 744	$ 2,716	$ 2,237
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	849	809	2,577	2,440
Right of use assets obtained in exchange for lease obligations	973	$ 1,134	973	$ 1,360
Operating leases:
Operating lease assets	17,932		17,932		$ 18,913
Operating lease liabilities	$ 19,301		$ 19,301		$ 20,137
Weighted-average remaining lease term	7 years 10 months 24 days		7 years 10 months 24 days		8 years 3 months 18 days
Weighted-average discount rate	4.70%		4.70%		4.63%

Operating Leases - Schedule o_2

Operating Leases - Schedule of Maturities of Operating Lease Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Maturities:
2024	$ 862
2025	3,397
2026	3,051
2027	2,665
2028	2,541
After 2028	11,480
Total lease payment	23,996
Imputed Interest	(4,695)
Present value of operating lease liabilities	$ 19,301	$ 20,137

Federal Home Loan Bank Advanc_2

Federal Home Loan Bank Advances and Other Borrowings (Details) - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Federal Home Loan Bank, Advances [Line Items]
FHLB advances	$ 0	$ 39,000,000
Interest rate		5.63%
FHLB advances, maturity term		92 days
Loans pledged to secure FHLB advances	979,700,000	$ 1,040,000,000
Additional borrowing capacity	703,000,000	603,000,000
Federal Reserve Discount Window
Federal Home Loan Bank, Advances [Line Items]
Unused borrowing capacity	578,700,000	528,900,000
Carrying value of pledged loans	712,400,000	681,800,000
Outstanding borrowings	0	0
Overnight Federal Funds Lines
Federal Home Loan Bank, Advances [Line Items]
Unused borrowing capacity	65,000,000	65,000,000
Overnight federal funds lines, maximum borrowing capacity	0	0
FHLB of San Francisco
Federal Home Loan Bank, Advances [Line Items]
Investment in FHLB capital stock	$ 13,900,000	$ 12,500,000

Shareholders' Equity (Details)

Shareholders' Equity (Details) - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended	9 Months Ended	12 Months Ended
	May 24, 2022	Sep. 30, 2024	Sep. 30, 2024	Dec. 31, 2023
Class of 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
Capital investment	$ 69,100
Annual dividend rate (percent)		2%
Period after investment date for commencement of fixed dividend rate	10 years
Minimum period for stock redemption	5 years
Dividends paid		$ 346	$ 488
Stock repurchased and retired (in shares)			14,947	512,657
Weighted-average price of stock repurchased and retired (in dollars per share)			$ 14.88	$ 17.22
Additional stock authorized to be repurchased (in shares)		577,777	577,777
Dividend Rate, Variable, Period One
Class of Stock [Line Items]
Period after investment date with no dividend	24 months
Dividend Rate, Variable, Period Two | Maximum
Class of Stock [Line Items]
Annual dividend rate (percent)	2%

Share-Based Compensation - Narr

Share-Based Compensation - Narrative (Details) - Stock options - shares	Sep. 30, 2024	May 25, 2023
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Authorized options to purchase (in shares)		700,000
Shares available for future grants (in shares)	482,800

Share-Based Compensation - Sche

Share-Based Compensation - Schedule of Share-Based Compensation Expense (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total share-based compensation expense	$ 113	$ 113	$ 378	$ 346
Related tax benefits	26	25	89	75
Unrecognized Expense
Total unrecognized share-based compensation expense	912		$ 912
Weighted-Average Remaining Expected Recognition Period			2 years 2 months 12 days
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total share-based compensation expense	69	27	$ 213	90
Unrecognized Expense
Stock options	591		$ 591
Weighted-Average Remaining Expected Recognition Period			2 years 3 months 18 days
Restricted stock awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total share-based compensation expense	44	$ 86	$ 165	$ 256
Unrecognized Expense
Restricted stock awards	$ 321		$ 321
Weighted-Average Remaining Expected Recognition Period			2 years

Share-Based Compensation - Sc_2

Share-Based Compensation - Schedule of Stock Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended	6 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2024	Dec. 31, 2023
Number of Shares
Outstanding at beginning of period (in shares)	605,764	614,715	614,715
Granted (in shares)	5,000		5,000
Exercised (in shares)	(11,351)		(20,302)
Forfeited (in shares)	(9,075)		(9,075)
Outstanding at end of period (in shares)	590,338	605,764	590,338	614,715
Exercisable at end of period (in shares)	342,338		342,338
Weighted-Average Exercise Price Per Share
Outstanding at beginning of period (in dollars per share)	$ 13.95	$ 13.90	$ 13.90
Granted (in dollars per share)	18.25		18.25
Exercised (in dollars per share)	10.33		10.33
Forfeited (in dollars per share)	10.33		10.33
Outstanding at end of period (in dollars per share)	14.11	$ 13.95	14.11	$ 13.90
Exercisable at end of period (in dollars per share)	$ 12.90		$ 12.90
Weighted-Average Contractual Term
Outstanding (in years)	5 years 2 months 12 days	5 years 2 months 12 days	5 years 2 months 12 days	5 years 8 months 12 days
Granted (in years)	10 years		10 years
Exercised (in years)	1 year 1 month 6 days		1 year 1 month 6 days
Forfeited (in years)	1 year 1 month 6 days		1 year 1 month 6 days
Exercisable (in years)	2 years 6 months		2 years 6 months
Aggregated Intrinsic Value
Outstanding	$ 2,763	$ 1,413	$ 2,763	$ 2,788
Exercisable	$ 2,017		$ 2,017

Share-Based Compensation - Unve

Share-Based Compensation - Unvested Stock Options (Details) - $ / shares	3 Months Ended	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2024
Number of Shares
Outstanding at beginning of period (in shares)	255,000	271,000
Granted (in shares)	5,000	5,000
Vested (in shares)	(12,000)	(28,000)
Outstanding at end of period (in shares)	248,000	248,000
Weighted-Average Exercise Price Per Share
Outstanding at beginning of period (in dollars per share)	$ 15.90	$ 15.85
Granted (in dollars per share)	18.25	18.25
Vested (in dollars per share)	19.36	16.84
Outstanding at end of period (in dollars per share)	$ 15.78	$ 15.78

Share-Based Compensation - RSA

Share-Based Compensation - RSA Activity (Details) - Restricted stock awards - $ / shares	3 Months Ended	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2024
Number of Shares
Outstanding at beginning of period (in shares)	24,980	41,661
Granted (in shares)	1,500	1,500
Vested (in shares)	(7,380)	(23,641)
Forfeited (in shares)	0	(420)
Outstanding at end of period (in shares)	19,100	19,100
Weighted-Average Grant Date Fair Value Per Share
Outstanding at beginning of period (in dollars per share)	$ 19.90	$ 17.53
Granted (in dollars per share)	18.74	18.74
Vested (in dollars per share)	16.82	14.83
Forfeited (in dollars per share)	0	15.97
Outstanding at end of period (in dollars per share)	$ 21	$ 21

Income Taxes (Details)

Income Taxes (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Income Tax Disclosure [Abstract]
Income tax expense	$ 2,873,000	$ 2,970,000	$ 7,195,000	$ 10,205,000
Effective tax rate	26.90%	29.70%	27.70%	29.20%
Unrecognized tax benefits	$ 0		$ 0		$ 0
Accrued interest on unrecognized tax benefits	$ 0		$ 0		$ 0

Earnings Per Share - Schedule o

Earnings Per Share - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Basic earnings per share:
Net income available to common shareholders	$ 7,468	$ 7,023	$ 18,292	$ 24,797
Less: income allocated to unvested restricted stock	(11)	(21)	(31)	(78)
Net income allocated to common stock	$ 7,457	$ 7,002	$ 18,261	$ 24,719
Weighted-average total common shares outstanding (in shares)	14,262,513	14,337,341	14,262,340	14,372,908
Less: weighted-average unvested restricted stock (in shares)	(21,499)	(42,539)	(24,489)	(44,978)
Weighted-average common shares outstanding, basic (in shares)	14,241,014	14,294,802	14,237,851	14,327,930
Basic earnings per share (in dollars per share)	$ 0.52	$ 0.49	$ 1.28	$ 1.73
Diluted earnings per share:
Net income allocated to common stock	$ 7,457	$ 7,002	$ 18,261	$ 24,719
Weighted-average common shares outstanding, basic (in shares)	14,241,014	14,294,802	14,237,851	14,327,930
Diluted effect of stock options (in shares)	115,370	101,414	90,659	114,030
Weighted-average common shares outstanding, diluted (in shares)	14,356,384	14,396,216	14,328,510	14,441,960
Diluted earnings per share (in dollars per share)	$ 0.52	$ 0.49	$ 1.27	$ 1.71

Earnings Per Share - Narrative

Earnings Per Share - Narrative (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Earnings Per Share [Abstract]
Stock options excluded in computing diluted earnings per share (in shares)	291,700	93,700	283,000	93,700

Off-Balance Sheet Credit Expo_3

Off-Balance Sheet Credit Exposures, Commitments and Other Contingencies - Schedule of Outstanding Financial Commitments (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Fixed Rate
Other Commitments [Line Items]
Total	$ 22,576	$ 11,466
Fixed Rate | Unused lines of credit
Other Commitments [Line Items]
Total	11,828	2,808
Fixed Rate | Unfunded loan commitments
Other Commitments [Line Items]
Total	5,590	4,020
Fixed Rate | Standby letters of credit
Other Commitments [Line Items]
Total	5,158	4,638
Fixed Rate | Commercial letters of credit
Other Commitments [Line Items]
Total	0	0
Variable Rate
Other Commitments [Line Items]
Total	417,657	396,636
Variable Rate | Unused lines of credit
Other Commitments [Line Items]
Total	381,302	347,652
Variable Rate | Unfunded loan commitments
Other Commitments [Line Items]
Total	34,839	47,038
Variable Rate | Standby letters of credit
Other Commitments [Line Items]
Total	1,516	1,786
Variable Rate | Commercial letters of credit
Other Commitments [Line Items]
Total	$ 0	$ 160

Off-Balance Sheet Credit Expo_4

Off-Balance Sheet Credit Exposures, Commitments and Other Contingencies - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2024	Dec. 31, 2023	Jan. 01, 2023
Pending Litigation
Other Commitments [Line Items]
Preliminary settlement cost	$ 700
SEC Schedule, 12-09, Reserve, Off-balance Sheet Activity
Other Commitments [Line Items]
Reserve for off-balance sheet items		$ 1,200	$ 1,300
Impact of ASC 326 adoption
Other Commitments [Line Items]
Adjustment to the allowance for credit losses on off-balance sheet credit exposures				$ 1,600
Unfunded loan commitments
Other Commitments [Line Items]
Maturity term		90 days
Unfunded loan commitments | SBA Loans
Other Commitments [Line Items]
Maturity term		180 days

Regulatory Matters - Narrative

Regulatory Matters - Narrative (Details)	Sep. 30, 2024	Dec. 31, 2023
PCB Bancorp
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Capital conservation buffer	7.42%	7.73%
PCB Bank
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Capital conservation buffer	7.54%	8.07%

Regulatory Matters - Schedule o

Regulatory Matters - Schedule of Regulatory Capital Amounts and Ratios (Details) $ in Thousands	Sep. 30, 2024 USD ($)	Dec. 31, 2023 USD ($)
PCB Bancorp
Actual
Common tier 1 capital (to risk-weighted assets), amount	$ 299,090	$ 288,174
Common tier 1 capital (to risk-weighted assets), ratio	0.1192	0.1223
Total capital (to risk-weighted assets), amount	$ 398,395	$ 386,125
Total capital (to risk-weighted assets), ratio	0.1588	0.1639
Tier 1 capital (to risk-weighted assets), amount	$ 368,231	$ 357,315
Tier 1 capital (to risk-weighted assets), ratio	0.1468	0.1516
Tier 1 capital (to average assets), amount	$ 368,231	$ 357,315
Tier 1 capital (to average assets), ratio	0.1279	0.1343
Minimum Capital Requirement
Common tier 1 capital (to risk-weighted assets), amount	$ 112,909	$ 106,043
Common tier 1 capital (to risk-weighted assets), ratio	4.50%	4.50%
Total capital (to risk-weighted assets), amount	$ 200,727	$ 188,521
Total capital (to risk-weighted assets), ratio	0.080	0.080
Tier 1 capital (to risk-weighted assets), amount	$ 150,545	$ 141,391
Tier 1 capital (to risk-weighted assets), ratio	0.060	0.060
Tier 1 capital (to average assets), amount	$ 115,148	$ 106,423
Tier 1 capital (to average assets), ratio	0.040	0.040
PCB Bank
Actual
Common tier 1 capital (to risk-weighted assets), amount	$ 359,655	$ 350,038
Common tier 1 capital (to risk-weighted assets), ratio	0.1433	0.1485
Total capital (to risk-weighted assets), amount	$ 389,818	$ 378,849
Total capital (to risk-weighted assets), ratio	0.1554	0.1607
Tier 1 capital (to risk-weighted assets), amount	$ 359,655	$ 350,038
Tier 1 capital (to risk-weighted assets), ratio	0.1433	0.1485
Tier 1 capital (to average assets), amount	$ 359,655	$ 350,038
Tier 1 capital (to average assets), ratio	0.1249	0.1316
Minimum Capital Requirement
Common tier 1 capital (to risk-weighted assets), amount	$ 112,905	$ 106,081
Common tier 1 capital (to risk-weighted assets), ratio	4.50%	4.50%
Total capital (to risk-weighted assets), amount	$ 200,721	$ 188,588
Total capital (to risk-weighted assets), ratio	0.080	0.080
Tier 1 capital (to risk-weighted assets), amount	$ 150,541	$ 141,441
Tier 1 capital (to risk-weighted assets), ratio	0.060	0.060
Tier 1 capital (to average assets), amount	$ 115,146	$ 106,421
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	$ 163,086	$ 153,228
Common tier 1 capital (to risk-weighted assets), ratio	6.50%	6.50%
Total capital (to risk-weighted assets), amount	$ 250,901	$ 235,735
Total capital (to risk-weighted assets), ratio	0.100	0.100
Tier 1 capital (to risk-weighted assets), amount	$ 200,721	$ 188,588
Tier 1 capital (to risk-weighted assets), ratio	0.080	0.080
Tier 1 capital (to average assets), amount	$ 143,933	$ 133,026
Tier 1 capital (to average assets), ratio	0.050	0.050

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Disaggregation of Revenue [Line Items]
Total	$ 770	$ 690	$ 2,046	$ 1,962
Total service charges and fees on deposits
Disaggregation of Revenue [Line Items]
Total	399	371	1,141	1,084
Monthly service fees
Disaggregation of Revenue [Line Items]
Total	27	27	77	79
Account analysis fees
Disaggregation of Revenue [Line Items]
Total	250	239	715	699
Non-sufficient funds charges
Disaggregation of Revenue [Line Items]
Total	96	81	272	241
Other deposit related fees
Disaggregation of Revenue [Line Items]
Total	26	24	77	65
Debit card fees
Disaggregation of Revenue [Line Items]
Total	154	103	253	254
Gain (loss) on sale of other real estate owned
Disaggregation of Revenue [Line Items]
Total	0	0	13	0
Wire transfer fees
Disaggregation of Revenue [Line Items]
Total	156	162	462	467
Other service charges
Disaggregation of Revenue [Line Items]
Total	$ 61	$ 54	$ 177	$ 157

Subsequent Events (Details)

Subsequent Events (Details) - $ / shares		3 Months Ended		9 Months Ended
	Oct. 23, 2024	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Subsequent Event [Line Items]
Cash dividends declared on common stock (in dollars per share)		$ 0.18	$ 0.18	$ 0.54	$ 0.51
Subsequent Event
Subsequent Event [Line Items]
Cash dividends declared on common stock (in dollars per share)	$ 0.18