FS Bancorp (FSBW) 10-Q9 Nov 202020 Q3 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2020	Oct. 30, 2020
Document And Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Sep. 30, 2020
Entity File Number	001-35589
Entity Registrant Name	FS BANCORP, INC.
Entity Incorporation, State or Country Code	WA
Entity Tax Identification Number	45-4585178
Entity Address, Address Line One	6920 220th Street SW
Entity Address, City or Town	Mountlake Terrace
Entity Address, State or Province	WA
Entity Address, Postal Zip Code	98043
City Area Code	425
Local Phone Number	771-5299
Title of 12(b) Security	Common Stock, par value $.01 per share
Trading Symbol	FSBW
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		4,240,828
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q3
Entity Central Index Key	0001530249
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 11,348	$ 13,175
Interest-bearing deposits at other financial institutions	24,725	32,603
Total cash and cash equivalents	36,073	45,778
Certificates of deposit at other financial institutions	14,262	20,902
Securities available-for-sale, at fair value	173,101	126,057
Securities held-to-maturity	5,500	0
Loans held for sale, at fair value	215,123	69,699
Loans receivable, net	1,491,503	1,336,346
Accrued interest receivable	6,809	5,908
Premises and equipment, net	27,898	28,770
Operating lease right-of-use ("ROU") assets	5,251	5,016
Federal Home Loan Bank ("FHLB") stock, at cost	6,553	8,045
Other real estate owned ("OREO")	90	168
Bank owned life insurance ("BOLI"), net	36,006	35,356
Servicing rights, held at the lower of cost or fair value	11,736	11,560
Goodwill	2,312	2,312
Core deposit intangible, net	4,928	5,457
Other assets	17,481	11,682
TOTAL ASSETS	2,054,626	1,713,056
LIABILITIES
Noninterest-bearing accounts	356,843	273,602
Interest-bearing accounts	1,256,376	1,118,806
Total deposits	1,613,219	1,392,408
Borrowings	173,640	84,864
Principal amount	10,000	10,000
Unamortized debt issuance costs	(100)	(115)
Total subordinated note less unamortized debt issuance costs	9,900	9,885
Operating lease liabilities	5,468	5,214
Deferred tax liability, net	2,662	1,971
Other liabilities	29,187	18,472
Total liabilities	1,834,076	1,512,814
COMMITMENTS AND CONTINGENCIES (NOTE 9)
STOCKHOLDERS' EQUITY
Preferred stock, $.01 par value; 5,000,000 shares authorized; none issued or outstanding	0	0
Common stock, $.01 par value; 45,000,000 shares authorized; 4,263,091 and 4,459,041 shares issued and outstanding at September 30, 2020 and December 31, 2019, respectively	43	44
Additional paid-in capital	81,676	89,268
Retained earnings	135,921	110,715
Accumulated other comprehensive income, net of tax	3,285	788
Unearned shares - Employee Stock Ownership Plan ("ESOP")	(375)	(573)
Total stockholders' equity	220,550	200,242
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,054,626	$ 1,713,056

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - $ / shares	Sep. 30, 2020	Dec. 31, 2019
Items included in Consolidated Staatement of Financial Position [Abstract]
Preferred stock par value, in dollars per share	$ 0.01	$ 0.01
Preferred stock, shares authorized	5,000,000	5,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock par value, in dollars per share	$ 0.01	$ 0.01
Common stock, shares authorized	45,000,000	45,000,000
Common stock, shares issued	4,263,091	4,459,041
Common stock, shares outstanding	4,263,091	4,459,041

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
INTEREST INCOME
Loans receivable, including fees	$ 21,066	$ 21,466	$ 62,370	$ 63,677
Interest and dividends on investment securities, cash and cash equivalents, and certificates of deposit at other financial institutions	1,162	1,245	3,520	3,710
Total interest and dividend income	22,228	22,711	65,890	67,387
INTEREST EXPENSE
Deposits	2,637	4,223	9,670	11,989
Borrowings	503	582	1,458	1,932
Subordinated note	170	171	511	508
Total interest expense	3,310	4,976	11,639	14,429
NET INTEREST INCOME	18,918	17,735	54,251	52,958
PROVISION FOR LOAN LOSSES	3,100	573	11,435	2,233
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	15,818	17,162	42,816	50,725
NONINTEREST INCOME
Service charges and fee income	546	1,619	1,566	5,131
Gain on sale of loans	16,228	4,583	35,492	10,556
Gain on sale of investment securities	118		300	32
Earnings on cash surrender value of BOLI	219	219	650	651
Other noninterest income	435	323	2,560	1,012
Total noninterest income	17,546	6,744	40,568	17,382
NONINTEREST EXPENSE
Salaries and benefits	10,225	7,865	27,192	24,757
Operations	2,809	2,360	7,785	7,062
Occupancy	1,167	1,104	3,492	3,446
Data processing	1,127	1,148	3,158	3,770
(Gain) loss on sale of OREO		(40)	2	(125)
OREO expenses		1	2	12
Loan costs	593	903	1,544	2,282
Professional and board fees	601	654	1,950	1,820
Federal Deposit Insurance Corporation ("FDIC") insurance refund		(29)
Federal Deposit Insurance Corporation ("FDIC") insurance	290		574	358
Marketing and advertising	109	178	358	505
Acquisition costs		257		1,855
Amortization of core deposit intangible	176	190	529	570
Impairment of servicing rights	82	131	1,399	278
Total noninterest expense	17,179	14,722	47,985	46,590
INCOME BEFORE PROVISION FOR INCOME TAXES	16,185	9,184	35,399	21,517
PROVISION FOR INCOME TAXES	3,472	2,040	7,499	4,718
NET INCOME	$ 12,713	$ 7,144	$ 27,900	$ 16,799
Basic earnings per share (in dollars per share)	$ 2.99	$ 1.62	$ 6.49	$ 3.80
Diluted earnings per share (in dollars per share)	$ 2.94	$ 1.58	$ 6.38	$ 3.71

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Statement of Comprehensive Income [Abstract]
Net Income	$ 12,713	$ 7,144	$ 27,900	$ 16,799
Securities available-for-sale:
Unrealized holding gain during period	1	110	4,882	2,658
Income tax provision related to unrealized holding gain		(23)	(1,049)	(571)
Reclassification adjustment for realized gains, net included in net income	(118)		(300)	(32)
Income tax provision related to reclassification for realized gains, net	26		65	7
Cash flow hedges:
Unrealized derivative losses during period	(43)		(1,485)
Income tax benefit related to unrealized derivative losses	8		318
Reclassification adjustment for interest expense, net included in net income	98		84
Income tax provision related to reclassification for expense, net	(21)		(18)
Other comprehensive (loss) income, net of tax	(49)	87	2,497	2,062
COMPREHENSIVE INCOME	$ 12,664	$ 7,231	$ 30,397	$ 18,861

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common StockRepurchase plan	Common Stock	Additional Paid-in CapitalRepurchase plan	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive (Loss) Income, Net of Tax	Unearned ESOP Shares	Repurchase plan	Total
Balance at Dec. 31, 2018		$ 45		$ 91,466	$ 90,854	$ (1,479)	$ (848)		$ 180,038
Balance (in shares) at Dec. 31, 2018		4,492,478
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income					16,799				16,799
Dividends paid					(1,981)				(1,981)
Share-based compensation				641					641
Restricted stock awards (in shares)		20,215
Common stock repurchased	$ (1)		$ (4,801)					$ (4,802)
Common stock repurchased (in shares)	(99,184)
Common stock repurchased for employee/director taxes paid on restricted stock awards				(204)					(204)
Common stock repurchased for employee/director taxes paid on restricted stock awards (in shares)		(4,037)
Stock options exercised, net				733					733
Stock options exercised, net (in shares)		43,400
Other comprehensive income, net of tax						2,062			2,062
ESOP shares allocated				773			198		971
Balance at Sep. 30, 2019		$ 44		88,608	105,672	583	(650)		194,257
Balance (in shares) at Sep. 30, 2019		4,452,872
Balance at Jun. 30, 2019		$ 45		90,418	99,184	496	(717)		189,426
Balance (in shares) at Jun. 30, 2019		4,476,864
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income					7,144				7,144
Dividends paid					(656)				(656)
Share-based compensation				189					189
Restricted stock awards
Restricted stock awards (in shares)		20,215
Common stock repurchased	$ (1)		(2,275)					(2,276)
Common stock repurchased (in shares)	(46,562)
Common stock repurchased for employee/director taxes paid on restricted stock awards				(31)					(31)
Common stock repurchased for employee/director taxes paid on restricted stock awards (in shares)		(645)
Stock options exercised, net				51					51
Stock options exercised, net (in shares)		3,000
Other comprehensive income, net of tax						87			87
ESOP shares allocated				256			67		323
Balance at Sep. 30, 2019		$ 44		88,608	105,672	583	(650)		194,257
Balance (in shares) at Sep. 30, 2019		4,452,872
Balance at Dec. 31, 2019		$ 44		89,268	110,715	788	(573)		200,242
Balance (in shares) at Dec. 31, 2019		4,459,041
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income					27,900				27,900
Dividends paid					(2,694)				(2,694)
Share-based compensation				719					719
Restricted stock awards		$ 1							1
Restricted stock awards (in shares)		24,880
Common stock repurchased	$ (2)		(8,673)					(8,675)
Common stock repurchased (in shares)	(234,408)
Common stock repurchased for employee/director taxes paid on restricted stock awards				(35)					(35)
Common stock repurchased for employee/director taxes paid on restricted stock awards (in shares)		(820)
Stock options exercised, net				(161)					(161)
Stock options exercised, net (in shares)		14,398
Other comprehensive income, net of tax						2,497			2,497
ESOP shares allocated				558			198		756
Balance at Sep. 30, 2020		$ 43		81,676	135,921	3,285	(375)		220,550
Balance (in shares) at Sep. 30, 2020		4,263,091
Balance at Jun. 30, 2020		$ 42		81,616	124,090	3,334	(441)		208,641
Balance (in shares) at Jun. 30, 2020		4,245,041
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income					12,713				12,713
Dividends paid					(882)				(882)
Share-based compensation				272					272
Restricted stock awards		$ 1							1
Restricted stock awards (in shares)		24,880
Common stock repurchased			$ (447)					$ (447)
Common stock repurchased (in shares)	(11,010)
Common stock repurchased for employee/director taxes paid on restricted stock awards				(35)					(35)
Common stock repurchased for employee/director taxes paid on restricted stock awards (in shares)		(820)
Stock options exercised, net				85					85
Stock options exercised, net (in shares)		5,000
Other comprehensive income, net of tax						(49)			(49)
ESOP shares allocated				185			66		251
Balance at Sep. 30, 2020		$ 43		$ 81,676	$ 135,921	$ 3,285	$ (375)		$ 220,550
Balance (in shares) at Sep. 30, 2020		4,263,091

Consolidated Statement of Chang

Consolidated Statement of Changes in Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Statement of Stockholders' Equity [Abstract]
Dividends paid (in dollars per share)	$ 0.21	$ 0.15	$ 0.63	$ 0.39

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - USD ($)	9 Months Ended
Consolidated Statement of Cash Flows - USD ($)	Sep. 30, 2020	Sep. 30, 2019
CASH FLOWS USED BY OPERATING ACTIVITIES
Net income	$ 27,900,000	$ 16,799,000
Adjustments to reconcile net income to net cash from operating activities
Provision for loan losses	11,435,000	2,233,000
Depreciation, amortization and accretion	9,336,000	9,269,000
Compensation expense related to stock options and restricted stock awards	719,000	641,000
ESOP compensation expense for allocated shares	756,000	971,000
Increase in cash surrender value of BOLI	(650,000)	(651,000)
Gain on sale of loans held for sale	(35,492,000)	(10,434,000)
Gain on sale of portfolio loans	0	(122,000)
Gain on sale of investment securities	(300,000)	(32,000)
Origination of loans held for sale	(1,260,250,000)	(579,762,000)
Proceeds from sale of loans held for sale	1,140,003,000	556,538,000
Impairment of servicing rights	1,399,000	278,000
Loss (gain) on sale of OREO	2,000	(125,000)
Changes in operating assets and liabilities
Accrued interest receivable	(901,000)	38,000
Other assets	(246,000)	(6,082,000)
Other liabilities	6,897,000	6,807,000
Net cash used by operating activities	(99,392,000)	(3,634,000)
Activity in securities available-for-sale:
Proceeds from sale of investment securities	12,214,000	10,554,000
Maturities, prepayments, and calls	30,034,000	18,138,000
Purchases	(90,610,000)	(35,192,000)
Maturities of certificates of deposit at other financial institutions	6,640,000	2,488,000
Purchase of certificates of deposit at other financial institutions	0	(4,712,000)
Loan originations and principal collections, net	(134,436,000)	(11,976,000)
Purchase of portfolio loans	(32,743,000)	(321,000)
Proceeds from sale of portfolio loans	0	8,487,000
Proceeds from sale of OREO, net	76,000	800,000
Purchase of premises and equipment, net	(1,189,000)	(2,002,000)
Change in FHLB stock, net	1,492,000	1,892,000
Net cash used by investing activities	(208,522,000)	(11,844,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	220,997,000	112,383,000
Proceeds from borrowings	549,557,000	354,372,000
Repayments of borrowings	(460,781,000)	(414,908,000)
Dividends paid on common stock	(2,694,000)	(1,981,000)
Proceeds from stock options exercised, net		733,000
(Disbursements) from stock options exercised, net	(161,000)
Restricted stock awards	(34,000)	(204,000)
Common stock repurchased	(8,675,000)	(4,802,000)
Net cash from financing activities	298,209,000	45,593,000
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS	(9,705,000)	30,115,000
CASH AND CASH EQUIVALENTS, beginning of period	45,778,000	32,779,000
CASH AND CASH EQUIVALENTS, end of period	36,073,000	62,894,000
Cash paid during the period for:
Interest on deposits and borrowings	11,128,000	14,000,000
Income taxes	7,804,000	3,417,000
SUPPLEMENTARY DISCLOSURES OF NONCASH OPERATING, INVESTING AND FINANCING ACTIVITIES
Change in unrealized gain on investment securities, net	4,582,000	2,626,000
Change in unrealized loss on cash flow hedges, net	(1,401,000)	0
Retention in gross mortgage servicing rights from loan sales	7,634,000	4,636,000
Property taken in settlement of loans	0	209,000
Right-of-use assets in exchange for lease liabilities	$ 1,202,000	$ 5,646,000

Basis of Presentation and Summa

Basis of Presentation and Summary of Significant Accounting Policies	9 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
Basis of Presentation and Significant Accounting Policies [Text Block]	NOTE 1 - BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Nature of Operations - a Financial Statement Presentation - The results for the three and nine months ended September 30, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020, or any other future period. The preparation of financial statements, in conformity with U.S. GAAP, requires management to make estimates and assumptions that affect amounts reported in the financial statements. Actual results could differ from these estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan and lease losses, fair value of financial instruments, the valuation of servicing rights, deferred income taxes, and if needed, a deferred tax asset valuation allowance. Amounts presented in the consolidated financial statements and footnote tables are rounded and presented to the nearest thousands of dollars except per share amounts. If the amounts are above $1.0 million, they are rounded one decimal point, and if they are above $1.0 billion, they are rounded two decimal points. Principles of Consolidation - Segment Reporting - Subsequent Events - RECENT ACCOUNTING PRONOUNCEMENTS In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, as amended by ASU 2018-19, ASU 2019-10, and ASU 2019-11. organizations. The ASU requires the recognition and measurement of all current expected credit losses (“CECL”) for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the approach under CECL. Organizations will continue to use judgment to determine which loss estimation method is appropriate for their circumstances. The ASU requires enhanced disclosures to help investors and other financial statement users better understand significant estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of an organization’s portfolio. These disclosures include qualitative and quantitative requirements that provide additional information about the amounts recorded in the financial statements. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The ASU and associated amendments are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2022. Early adoption will be permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. The Company has selected a third-party vendor to assist in the implementation of this ASU and has run parallel computations as it continues to evaluate the impact of adoption of the new standard. As part of the implementation, management is also evaluating economic variables and forecast time horizons it believes to be most relevant based on the composition of the loan portfolio to develop a reasonable and supportable forecast, likely to include forecasted levels of employment, gross domestic product, and home price index, depending on the nature of the loan segment, as well as various loss methodologies to estimate expected credit losses. In addition, management has kept current on evolving interpretations and industry practices related to ASU 2016-13 via webcasts, publications, and conferences. Once adopted, the Company anticipates the allowance for loan losses to potentially increase through a one-time adjustment to retained earnings, however, until the evaluation is complete the magnitude of the potential increase will be unknown. In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326: Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments In May 2019, the FASB issued ASU 2019-05, Financial Instruments-Credit Losses (Topic 326): Targeted Transition Relief In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes. In March 2020, the FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of reference Rate Reform on Financial Reporting used to assess hedge effectiveness will not result in dedesignation of the hedging relationship if certain criteria are met. This ASU is effective for all entities as of March 12, 2020 through December 31, 2022. The Company is party to cash flow hedge arrangements where the hedge effectiveness is based on LIBOR. The Company is currently evaluating the impact of the reference rate reform on the Company’s consolidated financial statements. In October 2020, the FASB issued ASU 2020-08, Codification Improvements to Subtopic 310-20: Receivables – Nonrefundable Fees and Other Costs Recent Events Application of New Accounting Guidance Adopted in 2020 On January 1, 2020, the Company adopted FASB ASU No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement

Investments

Investments	9 Months Ended
Investments	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Investments	NOTE 2 - INVESTMENTS The following tables present the amortized costs, unrealized gains, unrealized losses, and estimated fair values of securities available-for-sale and held-to-maturity at September 30, 2020 and December 31, 2019: September 30, 2020 Estimated Amortized Unrealized Unrealized Fair SECURITIES AVAILABLE-FOR-SALE Cost Gains Losses Values U.S. agency securities $ 3,982 $ 158 $ — $ 4,140 Corporate securities 15,877 68 (378) 15,567 Municipal bonds 59,477 2,310 (110) 61,677 Mortgage-backed securities 69,505 3,022 (85) 72,442 U.S. Small Business Administration securities 18,674 608 (7) 19,275 Total securities available-for-sale 167,515 6,166 (580) 173,101 SECURITIES HELD-TO-MATURITY Corporate securities 5,500 44 (6) 5,538 Total securities held-to-maturity 5,500 44 (6) 5,538 Total securities $ 173,015 $ 6,210 $ (586) $ 178,639 December 31, 2019 Estimated Amortized Unrealized Unrealized Fair SECURITIES AVAILABLE-FOR-SALE Cost Gains Losses Values U.S. agency securities $ 8,986 $ 95 $ (15) $ 9,066 Corporate securities 10,525 52 (7) 10,570 Municipal bonds 20,516 604 — 21,120 Mortgage-backed securities 62,745 405 (300) 62,850 U.S. Small Business Administration securities 22,281 191 (21) 22,451 Total securities available-for-sale $ 125,053 $ 1,347 $ (343) $ 126,057 There were no securities held-to-maturity at December 31, 2019. At September 30, 2020, the Bank pledged seven securities held at the FHLB of Des Moines with a carrying value of $8.9 million to secure Washington State public deposits of $9.9 million with a $3.8 million collateral requirement by the Washington Public Deposit Protection Commission. At December 31, 2019, the Bank pledged seven securities held at the FHLB of Des Moines with a carrying value of $7.4 million to secure Washington State public deposits of $10.3 million with a $4.0 million minimum collateral requirement by the Washington Public Deposit Protection Commission. Investment securities that were in an unrealized loss position at September 30, 2020 and December 31, 2019 are presented in the following tables, based on the length of time individual securities have been in an unrealized loss position. Management believes that these securities are only temporarily impaired due to changes in market interest rates or the widening of market spreads subsequent to the initial purchase of the securities, and not due to concerns regarding the underlying credit of the issuers or the underlying collateral. September 30, 2020 Less than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized SECURITIES AVAILABLE-FOR-SALE Value Losses Value Losses Value Losses Corporate securities $ 5,620 $ (378) $ — $ — $ 5,620 $ (378) Municipal bonds 7,505 (110) — — 7,505 (110) Mortgage-backed securities 6,343 (73) 3,012 (12) 9,355 (85) U.S. Small Business Administration securities 2,298 (7) — — 2,298 (7) Total securities available-for-sale 21,766 (568) 3,012 (12) 24,778 (580) SECURITIES HELD-TO-MATURITY Corporate securities 1,994 (6) — — 1,994 (6) Total securities held-to-maturity 1,994 (6) — — 1,994 (6) Total $ 23,760 $ (574) $ 3,012 $ (12) $ 26,772 $ (586) December 31, 2019 Less than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized SECURITIES AVAILABLE-FOR-SALE Value Losses Value Losses Value Losses U.S. agency securities $ 2,977 $ (15) $ — $ — $ 2,977 $ (15) Corporate securities 1,993 (7) — — 1,993 (7) Mortgage-backed securities 12,345 (154) 11,459 (146) 23,804 (300) U.S. Small Business Administration securities 4,395 (21) — — 4,395 (21) Total $ 21,710 $ (197) $ 11,459 $ (146) $ 33,169 $ (343) There were 14 investments with unrealized losses of less than one year, and one investment with an unrealized loss of more than one year at September 30, 2020. There were 13 investments with unrealized losses of less than one year, and 10 investments with unrealized losses of more than one year at December 31, 2019. The unrealized losses associated with these investments are believed to be caused by changing market conditions that are considered to be temporary and the Company does not intend to sell the securities, and it is not likely to be required to sell these securities prior to maturity. Based on the Company’s evaluation of these securities, no other-than-temporary impairment was recorded for the nine months ended September 30, 2020, or for the year ended December 31, 2019. Additional deterioration in market and economic conditions related to the COVID-19 pandemic, may have an adverse impact on credit quality in the future and result in other-than-temporary impairment charges. The contractual maturities of securities available-for-sale and held-to-maturity at September 30, 2020 and December 31, 2019 are listed below. Expected maturities of mortgage-backed securities may differ from contractual maturities because borrowers may have the right to call or prepay the obligations; therefore, these securities are classified separately with no specific maturity date. September 30, 2020 December 31, 2019 SECURITIES AVAILABLE-FOR-SALE Amortized Fair Amortized Fair U.S. agency securities Cost Value Cost Value Due after one year through five years $ 982 $ 1,068 $ 996 $ 1,036 Due after five years through ten years 1,000 1,039 3,997 4,027 Due after ten years 2,000 2,033 3,993 4,003 Subtotal 3,982 4,140 8,986 9,066 Corporate securities Due in one year or less 4,002 4,013 5,034 5,044 Due after one year through five years 5,875 5,913 3,491 3,532 Due after five years through ten years 4,000 3,641 2,000 1,994 Due after ten years 2,000 2,000 — — Subtotal 15,877 15,567 10,525 10,570 Municipal bonds Due in one year or less 102 102 — — Due after one year through five years 3,755 4,001 3,774 3,833 Due after five years through ten years 7,239 7,576 3,162 3,307 Due after ten years 48,381 49,998 13,580 13,980 Subtotal 59,477 61,677 20,516 21,120 Mortgage-backed securities Federal National Mortgage Association (“FNMA”) 47,670 50,279 42,131 42,333 Federal Home Loan Mortgage Corporation (“FHLMC”) 14,641 14,838 15,250 15,179 Government National Mortgage Association (“GNMA”) 7,194 7,325 5,364 5,338 Subtotal 69,505 72,442 62,745 62,850 U.S. Small Business Administration securities Due after one year through five years 2,267 2,348 1,546 1,555 Due after five years through ten years 8,177 8,447 11,500 11,598 Due after ten years 8,230 8,480 9,235 9,298 Subtotal 18,674 19,275 22,281 22,451 Total securities available-for-sale 167,515 173,101 125,053 126,057 SECURITIES HELD-TO-MATURITY Corporate securities Due after five years through ten years 4,000 4,003 — — Due after ten years 1,500 1,535 — — Total securities held-to-maturity 5,500 5,538 — — Total securities $ 173,015 $ 178,639 $ 125,053 $ 126,057 The proceeds and resulting gains and losses, computed using specific identification from sales of securities available-for-sale for the three and nine months ended September 30, 2020 and 2019 shown below: Three Months Ended Nine Months Ended September 30, 2020 September 30, 2020 Gross Gross Gross Gross Proceeds Gains (Losses) Proceeds Gains (Losses) Securities available-for-sale $ 3,041 $ 119 $ — $ 12,214 $ 300 $ — Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 Gross Gross Gross Gross Proceeds Gains (Losses) Proceeds Gains (Losses) Securities available-for-sale $ — $ — $ — $ 10,554 $ 91 $ (59)

Loans Receivable and Allowance

Loans Receivable and Allowance For Loan Losses	9 Months Ended
Loans Receivable and Allowance For Loan Losses	Sep. 30, 2020
Receivables [Abstract]
Loans Receivable and Allowance For Loan Losses	NOTE 3 - LOANS RECEIVABLE AND ALLOWANCE FOR LOAN LOSSES The composition of the loan portfolio was as follows at September 30, 2020 and December 31, 2019: September 30, December 31, REAL ESTATE LOANS 2020 2019 Commercial $ 227,354 $ 210,749 Construction and development 191,933 179,654 Home equity 40,459 38,167 One-to-four-family (excludes loans held for sale) 300,863 261,539 Multi-family 130,243 133,931 Total real estate loans 890,852 824,040 CONSUMER LOANS Indirect home improvement 276,693 254,691 Marine 84,650 67,179 Other consumer 3,465 4,340 Total consumer loans 364,808 326,210 COMMERCIAL BUSINESS LOANS Commercial and industrial 224,276 140,531 Warehouse lending 39,482 61,112 Total commercial business loans 263,758 201,643 Total loans receivable, gross 1,519,418 1,351,893 Allowance for loan losses (24,799) (13,229) Deferred costs and fees, net (4,240) (3,273) Premiums on purchased loans, net 1,124 955 Total loans receivable, net $ 1,491,503 $ 1,336,346 Most of the Company’s commercial and multi-family real estate, construction, residential, and/or commercial business lending activities are with customers located in Western Washington and near the loan production office located in the Tri-Cities, Washington. The Company originates real estate, consumer, and commercial business loans and has concentrations in these areas, however, indirect home improvement loans, including solar-related home improvement loans, are originated through a network of home improvement contractors and dealers located throughout Washington, Oregon, California, Idaho, Colorado, Arizona, Minnesota and Nevada. Loans are generally secured by collateral and rights to collateral vary and are legally documented to the extent practicable. Local economic conditions may affect borrowers’ ability to meet the stated repayment terms. At September 30, 2020, the Bank held approximately $780.6 million in loans that qualify as collateral for FHLB advances, compared to approximately $646.1 million at December 31, 2019. The Bank held approximately $355.8 million in loans that qualify as collateral for the Federal Reserve Bank of San Francisco (“FRB”) line of credit at September 30, 2020, compared to approximately $318.8 million at December 31, 2019. At September 30, 2020, the Bank held $74.1 million of loans originated under the U.S. Small Business Administration’s (“SBA”) Paycheck Protection Program (“PPP”) which were pledged as collateral for non-recourse advances under the FRB’s Paycheck Protection Program Liquidity Facility (“PPPLF”). For additional information, see “Note 18 - COVID-19 Pandemic.” The Company has defined its loan portfolio into three segments that reflect the structure of the lending function, the Company’s strategic plan and the manner in which management monitors performance and credit quality. The three loan portfolio segments are: (a) Real Estate Loans, (b) Consumer Loans, and (c) Commercial Business Loans. Each of these segments is disaggregated into classes based on the risk characteristics of the borrower and/or the collateral type securing the loan. The following is a summary of each of the Company’s loan portfolio segments and classes: Real Estate Loans Commercial Lending Construction and Development Lending Home Equity Lending One-to-Four-Family Real Estate Lending Multi-Family Lending Consumer Loans Indirect Home Improvement Marine Other Consumer. Commercial Business Loans Commercial and Industrial Lending (“C&I”) Warehouse Lending The following tables detail activity in the allowance for loan losses by loan categories at or for the three and nine months ended September 30, 2020 and 2019: At or For the Three Months Ended September 30, 2020 Commercial ALLOWANCE FOR LOAN LOSSES Real Estate Consumer Business Unallocated Total Beginning balance $ 11,912 $ 5,132 $ 4,248 $ 232 $ 21,524 Provision (recapture) for loan losses 907 1,891 335 (33) 3,100 Charge-offs — (196) (11) — (207) Recoveries — 254 128 — 382 Net recoveries — 58 117 — 175 Ending balance $ 12,819 $ 7,081 $ 4,700 $ 199 $ 24,799 Period end amount allocated to: Loans individually evaluated for impairment $ 15 $ 274 $ 1,057 $ — $ 1,346 Loans collectively evaluated for impairment 12,804 6,807 3,643 199 23,453 Ending balance $ 12,819 $ 7,081 $ 4,700 $ 199 $ 24,799 LOANS RECEIVABLE Loans individually evaluated for impairment $ 2,456 $ 781 $ 4,324 $ — $ 7,561 Loans collectively evaluated for impairment 888,396 364,027 259,434 — 1,511,857 Ending balance $ 890,852 $ 364,808 $ 263,758 $ — $ 1,519,418 At or For the Three Months Ended September 30, 2019 Commercial ALLOWANCE FOR LOAN LOSSES Real Estate Consumer Business Unallocated Total Beginning balance $ 5,780 $ 3,575 $ 2,718 $ 267 $ 12,340 Provision (recapture) for loan losses 247 262 321 (257) 573 Charge-offs (5) (275) — — (280) Recoveries 11 121 — — 132 Net recoveries (charge-offs) 6 (154) — — (148) Ending balance $ 6,033 $ 3,683 $ 3,039 $ 10 $ 12,765 Period end amount allocated to: Loans individually evaluated for impairment $ — $ 184 $ — $ — $ 184 Loans collectively evaluated for impairment 6,033 3,499 3,039 10 12,581 Ending balance $ 6,033 $ 3,683 $ 3,039 $ 10 $ 12,765 LOANS RECEIVABLE Loans individually evaluated for impairment $ 882 $ 525 $ — $ — $ 1,407 Loans collectively evaluated for impairment 818,103 317,409 189,276 — 1,324,788 Ending balance $ 818,985 $ 317,934 $ 189,276 $ — $ 1,326,195 At or For the Nine Months Ended September 30, 2020 Commercial ALLOWANCE FOR LOAN LOSSES Real Estate Consumer Business Unallocated Total Beginning balance $ 6,206 $ 3,766 $ 3,254 $ 3 $ 13,229 Provision for loan losses 6,595 3,606 1,038 196 11,435 Charge-offs — (869) (22) — (891) Recoveries 18 578 430 — 1,026 Net recoveries (charge-offs) 18 (291) 408 — 135 Ending balance $ 12,819 $ 7,081 $ 4,700 $ 199 $ 24,799 Period end amount allocated to: Loans individually evaluated for impairment $ 15 $ 274 $ 1,057 $ — $ 1,346 Loans collectively evaluated for impairment 12,804 6,807 3,643 199 23,453 Ending balance $ 12,819 $ 7,081 $ 4,700 $ 199 $ 24,799 LOANS RECEIVABLE Loans individually evaluated for impairment $ 2,456 $ 781 $ 4,324 $ — $ 7,561 Loans collectively evaluated for impairment 888,396 364,027 259,434 — 1,511,857 Ending balance $ 890,852 $ 364,808 $ 263,758 $ — $ 1,519,418 At or For the Nine Months Ended September 30, 2019 Commercial ALLOWANCE FOR LOAN LOSSES Real Estate Consumer Business Unallocated Total Beginning balance $ 5,761 $ 3,351 $ 3,191 $ 46 $ 12,349 Provision (recapture) for loan losses 266 571 1,432 (36) 2,233 Charge-offs (5) (741) (1,584) — (2,330) Recoveries 11 502 — — 513 Net recoveries (charge-offs) 6 (239) (1,584) — (1,817) Ending balance $ 6,033 $ 3,683 $ 3,039 $ 10 $ 12,765 Period end amount allocated to: Loans individually evaluated for impairment $ — $ 184 $ — $ — $ 184 Loans collectively evaluated for impairment 6,033 3,499 3,039 10 12,581 Ending balance $ 6,033 $ 3,683 $ 3,039 $ 10 $ 12,765 LOANS RECEIVABLE Loans individually evaluated for impairment $ 882 $ 525 $ — $ — $ 1,407 Loans collectively evaluated for impairment 818,103 317,409 189,276 — 1,324,788 Ending balance $ 818,985 $ 317,934 $ 189,276 $ — $ 1,326,195 Non-accrual and Past Due Loans As a result of the negative impact on employment from the COVID-19 pandemic, we are anticipating higher levels of financial hardship for our customers, which we expect will lead to higher levels of forbearance, delinquency and defaults. We expect that, left unabated, this deterioration in forbearance, delinquency and default rates will persist until such time as the economy and employment return to relatively normal levels. We assist customers with an array of payment programs during periods of financial hardship, including forbearance. Forbearance allows a borrower to temporarily not make scheduled payments or to make smaller than scheduled payments, in each case for a specified period of time. Forbearance does not grant any reduction in the total principal or interest repayment obligation. While a loan is in forbearance status, interest continues to accrue and is repaid over a specified time period when the loan re-enters repayment status. As of September 30, 2020, the amount of loans remaining under payment/relief agreements included commercial real estate loans of $22.4 million, commercial business loans of $9.0 million, portfolio one-to-four-family loans of $3.3 million, and consumer loans of $280,000. These loans were classified as current and accruing interest as of September 30, 2020. These modifications were not classified as TDRs at September 30, 2020 in accordance with the CARES Act and related bank agency regulatory guidance. Loan modifications in accordance with the CARES Act and related banking agency regulatory guidance are still subject to an evaluation in regard to determining whether or not a loan is deemed to be impaired. At September 30, 2020 and December 31, 2019, the Company had no TDRs. The following tables provide information pertaining to the aging analysis of contractually past due loans and non-accrual loans at September 30, 2020 and December 31, 2019: September 30, 2020 30-59 60-89 Days Days 90 Days Total Total Past Past or More Past Loans Non- REAL ESTATE LOANS Due Due Past Due Due Current Receivable Accrual Commercial $ — $ 549 $ — $ 549 $ 226,805 $ 227,354 $ 1,087 Construction and development — — — — 191,933 191,933 — Home equity — — 219 219 40,240 40,459 636 One-to-four-family — 353 733 1,086 299,777 300,863 733 Multi-family — — — — 130,243 130,243 — Total real estate loans — 902 952 1,854 888,998 890,852 2,456 CONSUMER LOANS Indirect home improvement 628 295 375 1,298 275,395 276,693 781 Marine 41 23 — 64 84,586 84,650 — Other consumer 20 65 — 85 3,380 3,465 — Total consumer loans 689 383 375 1,447 363,361 364,808 781 COMMERCIAL BUSINESS LOANS Commercial and industrial — — — — 224,276 224,276 4,324 Warehouse lending — — — — 39,482 39,482 — Total commercial business loans — — — — 263,758 263,758 4,324 Total loans $ 689 $ 1,285 $ 1,327 $ 3,301 $ 1,516,117 $ 1,519,418 $ 7,561 December 31, 2019 30-59 60-89 Days Days 90 Days Total Total Past Past or More Past Loans Non- REAL ESTATE LOANS Due Due Past Due Due Current Receivable Accrual Commercial $ — $ — $ — $ — $ 210,749 $ 210,749 $ 1,086 Construction and development 533 — — 533 179,121 179,654 — Home equity 109 — 185 294 37,873 38,167 190 One-to-four-family 894 114 1,150 2,158 259,381 261,539 1,264 Multi-family — — — — 133,931 133,931 — Total real estate loans 1,536 114 1,335 2,985 821,055 824,040 2,540 CONSUMER LOANS Indirect home improvement 692 227 147 1,066 253,625 254,691 468 Marine 15 — — 15 67,164 67,179 — Other consumer 71 2 20 93 4,247 4,340 25 Total consumer loans 778 229 167 1,174 325,036 326,210 493 COMMERCIAL BUSINESS LOANS Commercial and industrial — — — — 140,531 140,531 — Warehouse lending — — — — 61,112 61,112 — Total commercial business loans — — — — 201,643 201,643 — Total loans $ 2,314 $ 343 $ 1,502 $ 4,159 $ 1,347,734 $ 1,351,893 $ 3,033 There were no loans 90 days or more past due and still accruing interest at September 30, 2020, or at December 31, 2019. The following tables provide additional information about our impaired loans that have been segregated to reflect loans for which an allowance for loan losses has been provided and loans for which no allowance was provided at September 30, 2020 and December 31, 2019: September 30, 2020 Unpaid WITH NO RELATED ALLOWANCE RECORDED Principal Recorded Related Real estate loans: Balance Investment Allowance Commercial $ 1,098 $ 1,087 $ — Home equity 687 636 — One-to-four-family 736 673 — 2,521 2,396 — WITH RELATED ALLOWANCE RECORDED Real estate loans: One-to-four-family 61 60 15 Consumer loans: Indirect 781 781 274 Commercial business loans: Commercial and industrial 4,324 4,324 1,057 5,166 5,165 1,346 Total $ 7,687 $ 7,561 $ 1,346 December 31, 2019 Unpaid WITH NO RELATED ALLOWANCE RECORDED Principal Recorded Related Real estate loans: Balance Investment Allowance Commercial $ 1,097 $ 1,086 $ — Home equity 278 225 — One-to-four-family 1,293 1,264 — Consumer loans Other consumer 17 17 — 2,685 2,592 — WITH RELATED ALLOWANCE RECORDED Real estate loans: One-to-four-family 61 60 15 Consumer loans: Indirect 468 468 164 Other consumer 8 8 3 537 536 182 Total $ 3,222 $ 3,128 $ 182 The following tables present the average recorded investment in loans individually evaluated for impairment and the interest income recognized and received for the three and nine months ended September 30, 2020 and 2019: At or For the Three Months Ended September 30, 2020 September 30, 2019 WITH NO RELATED ALLOWANCE RECORDED Average Recorded Interest Income Average Recorded Interest Income Real estate loans: Investment Recognized Investment Recognized Commercial $ 1,089 $ 14 $ — $ — Home equity 672 11 190 — One-to-four-family 733 10 1,339 25 2,494 35 1,529 25 WITH AN ALLOWANCE RECORDED Real estate loans: One-to-four-family 60 — — — Consumer loans: Indirect 723 16 488 9 Marine — — 34 — Other consumer — — 9 — Commercial business loans: Commercial and industrial 4,310 — — — 5,093 16 531 9 Total $ 7,587 $ 51 $ 2,060 $ 34 At or For the Nine Months Ended September 30, 2020 September 30, 2019 WITH NO RELATED ALLOWANCE RECORDED Average Recorded Interest Income Average Recorded Interest Income Real estate loans: Investment Recognized Investment Recognized Commercial $ 1,088 $ 41 $ — $ — Home equity 434 22 210 — One-to-four-family 1,029 17 1,532 43 Consumer loans: Other consumer 4 — — — Commercial business loans: Commercial and industrial — — 240 — 2,555 80 1,982 43 WITH AN ALLOWANCE RECORDED Real estate loans: One-to-four-family 60 — — — Consumer loans: Indirect 624 40 452 29 Marine 42 1 17 1 Other consumer — — 8 1 Commercial business loans: Commercial and industrial 1,910 162 128 7 2,636 203 605 38 Total $ 5,191 $ 283 $ 2,587 $ 81 Credit Quality Indicators As part of the Company’s on-going monitoring of credit quality of the loan portfolio, management tracks certain credit quality indicators including trends related to (i) the risk grading of loans, (ii) the level of classified loans, (iii) net charge-offs, (iv) non-performing loans, and (v) the general economic conditions in the Company’s markets. The Company utilizes a risk grading matrix to assign a risk grade to its real estate and commercial business loans. Loans are graded on a scale of 1 to 10, with loans in risk grades 1 to 6 considered “Pass” and loans in risk grades 7 to 10 are reported as classified loans in the Company’s allowance for loan loss analysis. A description of the 10 risk grades is as follows: ● Grades 1 and 2 - These grades include loans to very high quality borrowers with excellent or desirable business credit. ● Grade 3 - This grade includes loans to borrowers of good business credit with moderate risk. ● Grades 4 and 5 - These grades include “Pass” grade loans to borrowers of average credit quality and risk. ● Grade 6 - This grade includes loans on management’s “Watch” list and is intended to be utilized on a temporary basis for “Pass” grade borrowers where frequent and thorough monitoring is required due to credit weaknesses and where significant risk-modifying action is anticipated in the near term. ● Grade 7 - This grade is for “Other Assets Especially Mentioned” (“OAEM”) in accordance with regulatory guidelines and includes borrowers where performance is poor or significantly less than expected. ● Grade 8 - This grade includes “Substandard” loans in accordance with regulatory guidelines which represent an unacceptable business credit where a loss is possible if loan weakness is not corrected. ● Grade 9 - This grade includes “Doubtful” loans in accordance with regulatory guidelines where a loss is highly probable. ● Grade 10 - This grade includes “Loss” loans in accordance with regulatory guidelines for which total loss is expected and when identified are charged off. Consumer, Home Equity, and One-to-Four-Family Real Estate Loans Homogeneous loans are risk rated based upon the Federal Financial Institutions Examination Council’s Uniform Retail Credit Classification and Account Management Policy. Loans classified under this policy at the Company are consumer loans which include indirect home improvement, solar, marine, other consumer, and one-to-four-family first and second liens. Under the Uniform Retail Credit Classification Policy, loans that are current or less than 90 days past due are graded “Pass” and risk rated “4” or “5” internally. Loans that are past due more than 90 days are classified “Substandard” and risk rated “8” internally until the loan has demonstrated consistent performance, typically six months of contractual payments. Closed-end loans that are 120 days past due and open-end loans that are 180 days past due are charged off based on the value of the collateral less cost to sell. Management may more conservatively risk rate credits that may be paying as agreed. Commercial real estate, construction and development, multi-family and commercial business loans are evaluated individually for their risk classification and may be classified as “Substandard” even if current on their loan payment obligations. The following tables summarize risk rated loan balances by category at the dates indicated: September 30, 2020 Special Pass Watch Mention Substandard Doubtful Loss REAL ESTATE LOANS (1 - 5) (6) (7) (8) (9) (10) Total Commercial $ 144,013 $ 73,931 $ 6,440 $ 2,970 $ — $ — $ 227,354 Construction and development 187,815 2,268 1,850 — — — 191,933 Home equity 39,823 — — 636 — — 40,459 One-to-four-family 293,271 163 187 7,242 — — 300,863 Multi-family 130,243 — — — — — 130,243 Total real estate loans 795,165 76,362 8,477 10,848 — — 890,852 CONSUMER LOANS Indirect home improvement 275,912 — — 781 — — 276,693 Marine 84,650 — — — — — 84,650 Other consumer 3,465 — — — — — 3,465 Total consumer loans 364,027 — — 781 — — 364,808 COMMERCIAL BUSINESS LOANS Commercial and industrial 184,676 29,619 3,154 6,827 — — 224,276 Warehouse lending 39,482 — — — — — 39,482 Total commercial business loans 224,158 29,619 3,154 6,827 — — 263,758 Total loans receivable, gross $ 1,383,350 $ 105,981 $ 11,631 $ 18,456 $ — $ — $ 1,519,418 December 31, 2019 Special Pass Watch Mention Substandard Doubtful Loss REAL ESTATE LOANS (1 - 5) (6) (7) (8) (9) (10) Total Commercial $ 203,703 $ 2,274 $ 3,686 $ 1,086 $ — $ — $ 210,749 Construction and development 177,109 2,545 — — — — 179,654 Home equity 37,942 — 35 190 — — 38,167 One-to-four-family 259,580 635 60 1,264 — — 261,539 Multi-family 127,792 6,139 — — — — 133,931 Total real estate loans 806,126 11,593 3,781 2,540 — — 824,040 CONSUMER LOANS Indirect home improvement 254,223 — — 468 — — 254,691 Marine 67,179 — — — — — 67,179 Other consumer 4,315 — — 25 — — 4,340 Total consumer loans 325,717 — — 493 — — 326,210 COMMERCIAL BUSINESS LOANS Commercial and industrial 125,025 10,435 1,442 3,629 — — 140,531 Warehouse lending 61,112 — — — — — 61,112 Total commercial business loans 186,137 10,435 1,442 3,629 — — 201,643 Total loans receivable, gross $ 1,317,980 $ 22,028 $ 5,223 $ 6,662 $ — $ — $ 1,351,893

Servicing Rights

Servicing Rights	9 Months Ended
Servicing Rights	Sep. 30, 2020
Fair Value, Off-balance Sheet Risk [Abstract]
Servicing Rights	NOTE 4 - SERVICING RIGHTS Loans serviced for others are not included on the Consolidated Balance Sheets. The unpaid principal balances of permanent loans serviced for others were $1.90 billion and $1.46 billion at September 30, 2020 and December 31, 2019, respectively. The following tables summarize servicing rights activity for the three and nine months ended September 30, 2020 and 2019: At or For the Three Months Ended September 30, 2020 2019 Beginning balance $ 10,672 $ 10,849 Additions 3,233 2,577 Servicing rights amortized (2,087) (2,102) Impairment of servicing rights (82) (131) Ending balance $ 11,736 $ 11,193 At or For the Nine Months Ended September 30, 2020 2019 Beginning balance $ 11,560 $ 10,429 Additions 7,634 4,636 Servicing rights amortized (6,059) (3,594) Impairment of servicing rights (1,399) (278) Ending balance $ 11,736 $ 11,193 The fair market value of the servicing rights’ assets was $12.0 million and $13.3 million at September 30, 2020 and December 31, 2019, respectively. Fair value adjustments to servicing rights are mainly due to market-based assumptions associated with discounted cash flows, loan prepayment speeds, and changes in interest rates. A significant change in prepayments of the loans in the servicing portfolio could result in significant changes in the valuation adjustments, thus creating potential volatility in the carrying amount of servicing rights. The following provides valuation assumptions used in determining the fair value of mortgage servicing rights (“MSR”) at the dates indicated: At September 30, At December 31, Key assumptions: 2020 2019 Weighted average discount rate 9.1 % 9.7 % Conditional prepayment rate (“CPR”) 28.6 % 17.1 % Weighted average life in years 3.4 5.1 Key economic assumptions of the current fair value for single family MSR are presented in the table below. Also presented is the sensitivity to market rate changes for the par rate coupon for a conventional one-to-four-family FNMA, FHLMC, GNMA, or FHLB serviced home loan. The table below references a 50 basis point and 100 basis point adverse rate change and the impact on prepayment speeds and discount rates at September 30, 2020 and December 31, 2019: September 30, 2020 December 31, 2019 Aggregate portfolio principal balance (1) $ 1,854,472 $ 1,463,732 Weighted average rate of note 3.7 % 4.2 % At September 30, 2020 Base 0.5% Adverse Rate Change 1.0% Adverse Rate Change Conditional prepayment rate 28.6 % 36.2 % 40.1 % Fair value MSR $ 11,960 $ 10,055 $ 9,291 Percentage of MSR 0.6 % 0.5 % 0.5 % Discount rate 9.1 % 9.6 % 10.1 % Fair value MSR $ 11,960 $ 11,817 $ 11,678 Percentage of MSR 0.6 % 0.6 % 0.6 % At December 31, 2019 Base 0.5% Adverse Rate Change 1.0% Adverse Rate Change Conditional prepayment rate 17.1 % 24.6 % 32.5 % Fair value MSR $ 13,255 $ 10,582 $ 8,674 Percentage of MSR 0.9 % 0.7 % 0.6 % Discount rate 9.7 % 10.2 % 10.7 % Fair value MSR $ 13,255 $ 13,037 $ 12,826 Percentage of MSR 0.9 % 0.9 % 0.9 % ___________________________ (1) Excludes nonperforming serviced loans in forbearance. These sensitivities are hypothetical and should be used with caution as the tables above demonstrate the Company’s methodology for estimating the fair value of the MSR which is highly sensitive to changes in key assumptions. For example, actual prepayment experience may differ and any difference may have a material effect on MSR fair value. Changes in fair value resulting from changes in assumptions generally cannot be extrapolated because the relationship of the change in the assumption to the change in fair value may not be linear. Also, in these tables, the effects of a variation in a particular assumption on the fair value of the MSR is calculated without changing any other assumption; in reality, changes in one factor may be associated with changes in another (for example, decreases in market interest rates may provide an incentive to refinance, however, this may also indicate a slowing economy and an increase in the unemployment rate, which reduces the number of borrowers who qualify for refinancing), which may magnify or counteract the sensitivities. Thus, any measurement of MSR fair value is limited by the conditions existing and assumptions made at a particular point in time. Those assumptions may not be appropriate if they are applied to a different point in time. The Company recorded $1.1 million and $874,000 of gross contractually specified servicing fees, late fees, and other ancillary fees resulting from servicing of loans for the three months ended September 30, 2020 and 2019, respectively, and $3.1 million and $2.5 million for the nine months ended September 30, 2020 and 2019, respectively. The income, net of amortization, or the reduction in income, if MSR amortization is greater than servicing fees, is reported in noninterest income on the Consolidated Statements of Income.

Derivatives

Derivatives	9 Months Ended
Derivatives	Sep. 30, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives	NOTE 5 - DERIVATIVES The Company regularly enters into commitments to originate and sell loans held for sale. The Company has established a hedging strategy to protect itself against the risk of loss associated with interest rate movements on loan commitments. The Company enters into contracts to sell forward To-Be-Announced (“TBA”) mortgage-backed securities. These commitments and contracts are considered derivatives but have not been designated as hedging instruments for reporting purposes under U.S. GAAP. Rather, they are accounted for as free-standing derivatives, or economic hedges, with changes in the fair value of the derivatives reported in noninterest income or noninterest expense. The Company recognizes all derivative instruments as either other assets or other liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. Derivative instruments not related to mortgage banking activities primarily relate to interest rate swap agreements. The Company's objectives in using certain interest rate derivatives are to add stability to interest expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company uses interest rate swaps as part of its interest rate risk management strategy. Interest rate swaps designated as cash flow hedges involve the receipt of variable amounts from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements without exchange of the underlying notional amount. The Company has entered into interest rate swaps to reduce the exposure to variability in interest-related cash outflows attributable to changes in forecasted LIBOR-based borrowings and brokered deposits. These derivative instruments are designated as cash flow hedges. The hedged item is the LIBOR portion of the series of future adjustable rate borrowings and deposits over the term of the interest rate swap. Accordingly, changes to the amount of interest payment cash flows for the hedged transactions attributable to a change in credit risk are excluded from management’s assessment of hedge effectiveness. The Company tests for hedging effectiveness on a quarterly basis. The effective portion of changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in accumulated other comprehensive income and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings. The Company has not recorded any hedge ineffectiveness since inception. The Company has master netting agreements with derivative dealers with which it does business, but reflects gross assets and liabilities as other assets and other liabilities, respectively, on the Consolidated Balance Sheets. The net unrealized loss on cash flow hedges recorded in accumulated other comprehensive income was $1.1 million, net of tax, at September 30, 2020. The Company reclassified realized losses of $98,000 from accumulated other comprehensive income to interest expense related to these cash flow hedges for the three months ended September 30, 2020, and $84,000 for the nine months ended September 30, 2020. The Company had no cash flow hedges in 2019. The Company expects that approximately $463,000 will be reclassified from accumulated other comprehensive income as an increase to interest expense over the next twelve months related to these cash flow hedges. The following tables summarize the Company’s derivative instruments at the dates indicated: September 30, 2020 Fair Value Cash flow hedges: Notional Asset Liability Interest rate swaps $ 90,000 $ 1,401 $ — Non-hedging derivatives: Fallout adjusted interest rate lock commitments with customers 219,266 6,186 — Mandatory and best effort forward commitments with investors 72,966 — 762 Forward TBA mortgage-backed securities 303,000 — 713 December 31, 2019 Fair Value Non-hedging derivatives: Notional Asset Liability Fallout adjusted interest rate lock commitments with customers $ 33,914 $ 557 $ — Mandatory and best effort forward commitments with investors 43,752 — 195 Forward TBA mortgage-backed securities 46,000 — 8 At September 30, 2020 and December 31, 2019, the Company had $303.0 million and $46.0 million of TBA trades with counterparties that required margin collateral of $5.1 million and $1.2 million, respectively. At September 30, 2020, the Bank had pledged three securities with a carrying value of $4.3 million to secure interest rate swaps designated as cash flow hedges. Changes in the fair value of the non-hedging derivatives recognized in noninterest income on the Consolidated Statements of Income and included in gain on sale of loans resulted in net gains of $2.8 million and $619,000 for the three months ended September 30, 2020 and 2019, respectively, and net gains of $8.8 million and $911,000 for the nine months ended September 30, 2020 and 2019, respectively.

Leases

Leases	9 Months Ended
Leases	Sep. 30, 2020
Leases [Abstract]
Leases	NOTE 6 - LEASES The Company has operating leases for retail bank and home lending branches, and certain equipment. The Company’s leases have remaining lease terms of eight months to nine years and nine months, some of which include options to extend The components of lease cost (included in occupancy expense on the Consolidated Statements of Income) are as follows for the three and nine months ended September 30, 2020 and 2019: Three Months Ended Three Months Ended Lease cost: September 30, 2020 September 30, 2019 Operating lease cost $ 339 $ 326 Short-term lease cost 1 29 Total lease cost $ 340 $ 355 Nine Months Ended Nine Months Ended Lease cost: September 30, 2020 September 30, 2019 Operating lease cost $ 1,038 $ 942 Short-term lease cost 10 113 Total lease cost $ 1,048 $ 1,055 The following tables provides supplemental information related to operating leases at or for the three and nine months ended September 30, 2020 and 2019: At or For the At or For the Cash paid for amounts included in the Three Months Ended Three Months Ended measurement of lease liabilities: September 30, 2020 September 30, 2019 Operating cash flows from operating leases $ 349 $ 319 Weighted average remaining lease term- operating leases 5.5 years 5.5 years Weighted average discount rate- operating leases 2.48 % 3.10 % At or For the At or For the Cash paid for amounts included in the Nine Months Ended Nine Months Ended measurement of lease liabilities: September 30, 2020 September 30, 2019 Operating cash flows from operating leases $ 1,033 $ 1,002 Weighted average remaining lease term- operating leases 5.5 years 5.5 years Weighted average discount rate- operating leases 2.48 % 3.10 % The Company’s leases typically do not contain a discount rate implicit in the lease contract. As an alternative, the discount rate used in determining the lease liability for each individual lease was the FHLB of Des Moines’ fixed advance rate. Maturities of operating lease liabilities at September 30, 2020 for future periods are as follows: Remainder of 2020 $ 339 2021 1,319 2022 1,222 2023 839 2024 787 Thereafter 1,427 Total lease payments 5,933 Less imputed interest (465) Total $ 5,468

Other Real Estate Owned

Other Real Estate Owned	9 Months Ended
Other Real Estate Owned	Sep. 30, 2020
Banking and Thrift [Abstract]
Other Real Estate Owned	NOTE 7 - OTHER REAL ESTATE OWNED (“OREO”) The following table presents the activity related to OREO at or for the three and nine months ended September 30, 2020 and 2019: At or For the Three Months Ended At or For the Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Beginning balance $ 90 $ 254 $ 168 $ 689 Additions — — — 164 Gross proceeds from sale of OREO — (116) (76) (800) Gain (loss) on sale of OREO — 40 (2) 125 Ending balance $ 90 $ 178 $ 90 $ 178 There was one OREO property in the amount of $90,000 at September 30, 2020, and two OREO properties totaling $178,000 at September 30, 2019. Holding costs were $0 and $2,000 for the three and nine months ended September 30, 2020, compared to $1,000 and $12,000 for the three and nine months ended September 30, 2019, respectively. There were $662,000 in mortgage loans collateralized by residential real estate property in the process of foreclosure

Deposits

Deposits	9 Months Ended
Deposits	Sep. 30, 2020
Banking and Thrift [Abstract]
Deposits	NOTE 8 - DEPOSITS Deposits are summarized as follows at September 30, 2020 and December 31, 2019: September 30, December 31, 2020 2019 Noninterest-bearing checking $ 338,781 $ 260,131 Interest-bearing checking 229,576 177,972 Savings 144,886 118,845 Money market 377,585 270,489 Certificates of deposit less than $100,000 285,650 277,988 Certificates of deposit of $100,000 through $250,000 150,437 181,402 Certificates of deposit of $250,000 and over 68,242 92,110 Escrow accounts related to mortgages serviced 18,062 13,471 Total $ 1,613,219 $ 1,392,408 FRB regulations require that the Bank maintain reserves in the form of cash on hand when there are deposit balances with the FRB based on a percentage of deposits. Effective March 26, 2020, the FRB lowered the reserve ratio to zero percent. At September 30, 2020 and December 31, 2019, the Bank had no reserve requirement based on its reserve calculation. Scheduled maturities of time deposits at September 30, 2020 for future periods ending are as follows: At September 30, 2020 Maturing in 2020 $ 155,713 Maturing in 2021 229,901 Maturing in 2022 79,140 Maturing in 2023 17,746 Maturing in 2024 17,628 Thereafter 4,201 Total $ 504,329 Interest expense by deposit category for the three and nine months ended September 30, 2020 and 2019 is as follows: Three Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Interest-bearing checking $ 86 $ 474 $ 299 $ 1,056 Savings and money market 464 777 1,932 2,282 Certificates of deposit 2,087 2,972 7,439 8,651 Total $ 2,637 $ 4,223 $ 9,670 $ 11,989

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
Commitments and Contingencies	Sep. 30, 2020
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	NOTE 9 - COMMITMENTS AND CONTINGENCIES Commitments - The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The following table provides a summary of the Company’s commitments at September 30, 2020 and December 31, 2019: COMMITMENTS TO EXTEND CREDIT September 30, December 31, REAL ESTATE LOANS 2020 2019 Commercial $ 1,353 $ 247 Construction and development 143,642 95,031 One-to-four-family (includes locks for salable loans) 233,858 39,697 Home equity 50,124 47,880 Multi-family 649 622 Total real estate loans 429,626 183,477 CONSUMER LOANS 23,063 22,176 COMMERCIAL BUSINESS LOANS Commercial and industrial 113,188 72,731 Warehouse lending 45,518 33,888 Total commercial business loans 158,706 106,619 Total commitments to extend credit $ 611,395 $ 312,272 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 amount of the total commitments do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon an extension of credit, is based on management’s credit evaluation of the party. Collateral held varies, but may include accounts receivable, inventory, property and equipment, residential real estate, and income-producing commercial properties. Unfunded commitments under commercial lines of credit, revolving credit lines, and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines of credit are uncollateralized and usually do not contain a specified maturity date and ultimately may not be drawn upon to the total extent to which the Company is committed. The Company has established reserves for estimated losses from unfunded commitments of $407,000 at September 30, 2020 and $293,000 at December 31, 2019. One-to-four-family commitments included in the table above are accounted for as fair value derivatives and do not carry an associated holdback. The Company’s derivative positions are presented with discussion in “Note 5 - Derivatives.” The Company also sells one-to-four-family loans to the FHLB of Des Moines that require a limited level of recourse if the loans default and exceed a certain loss exposure. Specific to that recourse, the FHLB of Des Moines established a first loss account (“FLA”) related to the loans and required a credit enhancement (“CE”) obligation by the Bank to be utilized after the FLA is used. Based on loans sold through September 30, 2020, the total loans sold to the FHLB were $36.7 million with the FLA totaling $938,000 and the CE obligation at $811,000 or 2.2% of the loans outstanding. Management has established a holdback of 10% of the outstanding CE, or $272,000, which is a part of the off-balance sheet holdback for loans sold. At September 30, 2020, there were $498,000 of loans sold to the FHLB of Des Moines greater than 30 days past their contractual payment due date, compared to none at December 31, 2019. Contingent liabilities for loans held for sale - The Company has entered into a severance agreement with its Chief Executive Officer (“CEO”). The severance agreement, subject to certain requirements, generally includes a lump sum payment to the CEO equal to 24 months of base compensation in the event his employment is involuntarily terminated, other than for cause or the executive terminates his employment with good reason, as defined in the severance agreement. The Company has entered into change of control agreements with its Chief Financial Officer, Chief Operating Officer, Chief Lending Officer, Chief Credit Officer, Chief Risk Officer, Chief Human Resources Officer, Senior Vice President Compliance Officer, Executive Vice President of Retail Banking and Marketing, and the Executive Vice President of Home Lending. The change of control agreements, subject to certain requirements, generally remain in effect until canceled by either party upon at least 24 months prior written notice. Under the change of control agreements, the executive generally will be entitled to a change of control payment from the Company if the executive is involuntarily terminated within six months preceding or 12 months after a change in control (as defined in the change of control agreements). In such an event, the executives would each be entitled to receive a cash payment in an amount equal to 12 As a result of the nature of our activities, the Company is subject to various pending and threatened legal actions, which arise in the ordinary course of business. From time to time, subordination liens may create litigation which requires us to defend our lien rights. In the opinion of management, liabilities arising from these claims, if any, will not have a material effect on our financial position. The Company had no material pending legal actions at September 30, 2020.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
Fair Value Measurements	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Fair Value Measurements	NOTE 10 - FAIR VALUE MEASUREMENTS The Company determines fair value based on the requirements established in Accounting Standards Codification (“ASC”) Topic 820, Fair Value Measurements, Financial Instruments - Overall (Subtopic 825-10), Recognition and Measurement of Financial Assets and Financial Liabilities, The following definitions describe the levels of inputs that may be used to measure fair value: Level 1 Level 2 Level 3 The following methods were used to estimate the fair value of certain assets and liabilities on a recurring and nonrecurring basis: Securities Available-for-Sale - Mortgage Loans Held for Sale - Derivative Instruments - Impaired Loans Other Real Estate Owned Servicing Rights - The following tables present securities available-for-sale, mortgage loans held for sale, and derivative assets and liabilities measured at fair value on a recurring basis at the dates indicated: Financial Assets At September 30, 2020 Securities available-for-sale: Level 1 Level 2 Level 3 Total U.S. agency securities $ — $ 4,140 $ — $ 4,140 Corporate securities — 14,587 980 15,567 Municipal bonds — 61,548 129 61,677 Mortgage-backed securities — 72,442 — 72,442 U.S. Small Business Administration securities — 19,275 — 19,275 Mortgage loans held for sale, at fair value — 215,123 — 215,123 Derivatives: Interest rate lock commitments with customers — — 6,186 6,186 Total assets measured at fair value $ — $ 387,115 $ 7,295 $ 394,410 Financial Liabilities Derivatives: Mandatory and best effort forward commitments with investors $ — $ — $ (762) $ (762) Forward TBA mortgage-backed securities — (713) — (713) Interest rate swaps — (1,401) — (1,401) Total liabilities measured at fair value $ — $ (2,114) $ (762) $ (2,876) Financial Assets At December 31, 2019 Securities available-for-sale: Level 1 Level 2 Level 3 Total U.S. agency securities $ — $ 9,066 $ — $ 9,066 Corporate securities — 9,546 1,024 10,570 Municipal bonds — 20,982 138 21,120 Mortgage-backed securities — 62,850 — 62,850 U.S. Small Business Administration securities — 22,451 — 22,451 Mortgage loans held for sale, at fair value — 69,699 — 69,699 Derivatives: Interest rate lock commitments with customers — — 557 557 Total assets measured at fair value $ — $ 194,594 $ 1,719 $ 196,313 Financial Liabilities Derivatives: Mandatory and best effort forward commitments with investors $ — $ — $ (195) $ (195) Forward TBA mortgage-backed securities — (8) — (8) Total liabilities measured at fair value $ — $ (8) $ (195) $ (203) The following tables present impaired loans, OREO, and servicing rights measured at fair value on a nonrecurring basis for which a nonrecurring change in fair value has been recorded during the reporting periods indicated. The amounts disclosed below represent the fair values at the time the nonrecurring fair value measurements were evaluated. September 30, 2020 Level 1 Level 2 Level 3 Total Impaired loans $ — $ — $ 7,561 $ 7,561 OREO — — 90 90 Servicing rights — — 11,960 11,960 December 31, 2019 Level 1 Level 2 Level 3 Total Impaired loans $ — $ — $ 3,128 $ 3,128 OREO — — 168 168 Servicing rights — — 13,255 13,255 Quantitative Information about Level 3 Fair Value Measurements Level 3 Significant Weighted Average Fair Value Valuation Unobservable September 30, December 31, Instruments Techniques Inputs Range 2020 2019 RECURRING Interest rate lock commitments with customers Quoted market prices Pull-through expectations 80% - 99% 89.2 % 94.5 % Individual forward sale commitments with investors Quoted market prices Pull-through expectations 80% - 99% 89.2 % 94.5 % Corporate securities Discounted cash flows Discount rate 2.5% 2.5 % 2.1 % Municipal bonds Discounted cash flows Discount rate 2.2% 2.2 % 3.4 % NONRECURRING Impaired loans Fair value of underlying collateral Discount applied to the obtained appraisal 10.0% 10.0 % 10.0 % OREO Fair value of collateral Discount applied to the obtained appraisal 10.0% 10.0 % 10.0 % Servicing rights Industry sources Pre-payment speeds 0% - 50% 28.6 % 17.1 % An increase in the pull-through rate utilized in the fair value measurement of the interest rate lock commitments with customers and forward sale commitments with investors will result in positive fair value adjustments (and an increase in the fair value measurement). Conversely, a decrease in the pull-through rate will result in a negative fair value adjustment (and a decrease in the fair value measurement). The following tables provides a reconciliation of assets and liabilities measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the three and nine months ended September 30, 2020 and 2019: Purchases Net change in Net change in Three Months Ended Beginning and Sales and Ending fair value for fair value for September 30, 2020 Balance Issuances Settlements Balance gains/(losses) (1) gains/(losses) (2) Interest rate lock commitments with customers $ 4,722 $ 18,863 $ (17,399) $ 6,186 $ 1,464 $ — Individual forward sale commitments with investors (144) (1,591) 973 (762) (618) — Securities available-for-sale, at fair value 1,163 — (54) 1,109 — (51) September 30, 2019 Interest rate lock commitments with customers $ 1,047 $ 3,557 $ (3,607) $ 997 $ (50) $ — Individual forward sale commitments with investors — (178) 159 (19) (19) — Purchases Net change in Net change in Nine Months Ended Beginning and Sales and Ending fair value for fair value for September 30, 2020 Balance Issuances Settlements Balance gains/(losses) (1) gains/(losses) (2) Interest rate lock commitments with customers $ 557 $ 38,966 $ (33,337) $ 6,186 $ 5,629 $ — Individual forward sale commitments with investors (195) (3,211) 2,644 (762) (567) — Securities available-for-sale, at fair value 1,162 — (53) 1,109 — (44) September 30, 2019 Interest rate lock commitments with customers $ 503 $ 8,652 $ (8,158) $ 997 $ 494 $ — Individual forward sale commitments with investors (34) (765) 780 (19) 15 — _______________________________ (1) Relating to items held at end of period included in income. (2) Relating to items held at end of period included in other comprehensive income. Gains (losses) on interest rate lock commitments carried at fair value are recorded in noninterest income. Gains (losses) on forward sale commitments with investors carried at fair value are recorded in noninterest income. The following table provides estimated fair values of the Company’s financial instruments at September 30, 2020 and December 31, 2019, whether or not recognized at fair value on the Consolidated Balance Sheets: September 30, December 31, 2020 2019 Financial Assets Carrying Fair Carrying Fair Level 1 inputs: Amount Value Amount Value Cash and cash equivalents $ 36,073 $ 36,073 $ 45,778 $ 45,778 Certificates of deposit at other financial institutions 14,262 14,262 20,902 20,902 Level 2 inputs: Securities available-for-sale, at fair value 171,992 171,992 124,895 124,895 Securities held-to-maturity 5,500 5,538 — — Loans held for sale, at fair value 215,123 215,123 69,699 69,699 FHLB stock, at cost 6,553 6,553 8,045 8,045 Accrued interest receivable 6,809 6,809 5,908 5,908 Level 3 inputs: Securities available-for-sale, at fair value 1,109 1,109 1,162 1,162 Loans receivable, gross 1,519,418 1,527,083 1,351,893 1,377,408 Servicing rights, held at lower of cost or fair value 11,736 11,960 11,560 13,255 Fair value interest rate locks with customers 6,186 6,186 557 557 Financial Liabilities Level 2 inputs: Deposits 1,613,219 1,619,100 1,392,408 1,385,658 Borrowings 173,640 175,891 84,864 85,268 Subordinated note 9,900 10,599 9,885 10,599 Accrued interest payable 339 339 273 273 Interest rate swaps 1,401 1,401 — — Forward TBA mortgage-backed securities 713 713 8 8 Level 3 inputs: Mandatory and best effort forward commitments with investors 762 762 195 195

Employee Benefits

Employee Benefits	9 Months Ended
Employee Benefits	Sep. 30, 2020
Compensation and Retirement Disclosure [Abstract]
Employee Benefit	NOTE 11 - EMPLOYEE BENEFITS Employee Stock Ownership Plan On January 1, 2012, the Company established an ESOP for eligible employees of the Company and the Bank. Employees of the Company and the Bank are eligible to participate in the ESOP if they have been credited with at least 1,000 hours 1,000 The ESOP borrowed $2.6 million from FS Bancorp, Inc. and used those funds to acquire 259,210 shares of FS Bancorp, Inc. common stock in the open market at an average price of $10.17 per share during the second half of 2012. It is anticipated that the Bank will make contributions to the ESOP in amounts necessary to amortize the ESOP loan payable to FS Bancorp, Inc. over a period of 10 years, bearing interest at 2.30%. Intercompany expenses associated with the ESOP are eliminated in consolidation. Shares purchased by the ESOP with the loan proceeds are held in a suspense account and allocated to ESOP participants on a pro rata basis as principal and interest payments are made by the ESOP to FS Bancorp, Inc. The loan is secured by shares purchased with the loan proceeds and will be repaid by the ESOP with funds from the Bank’s discretionary contributions to the ESOP and earnings on the ESOP assets. Payments of principal and interest are due annually on December 31, the Company’s fiscal year end. On December 31, 2019, the ESOP paid the eighth annual installment of principal in the amount of $275,000, plus accrued interest of $20,000 pursuant to the ESOP loan agreement. As shares are committed to be released from collateral, the Company reports compensation expense equal to the average daily market prices of the shares for the quarter ended September 30, 2020. These shares become outstanding for earnings per share computations. The compensation expense is accrued monthly throughout the year. Dividends on allocated ESOP shares are recorded as a reduction of retained earnings; dividends on unallocated ESOP shares are recorded as a reduction of debt and accrued interest. Compensation expense related to the ESOP for the three and nine months ended September 30, 2020 and 2019 was $251,000 and $756,000, and $323,000 and $971,000, respectively. Shares held by the ESOP at September 30, 2020 and 2019 were as follows (shown as actual): Balances Balances at September 30, 2020 at September 30, 2019 Allocated shares 189,511 176,809 Committed to be released shares 19,441 19,441 Unallocated shares 32,401 58,322 Total ESOP shares 241,353 254,572 Fair value of unallocated shares (in thousands) $ 1,260 $ 2,912

Earnings Per Share

Earnings Per Share	9 Months Ended
Earnings Per Share	Sep. 30, 2020
Earnings Per Share [Abstract]
Earnings Per Share	NOTE 12 - EARNINGS PER SHARE The Company computes earnings per share using the two-class method, which is an earnings allocation method for computing earnings per share that treats a participating security as having rights to earnings that would otherwise have been available to common shareholders. Basic earnings per share are computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Unvested share-based awards containing non-forfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and are included in the computation of earnings per share pursuant to the two-class method. Diluted earnings per share reflect the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity. For earnings per share calculations, the ESOP shares committed to be released are included as outstanding shares for both basic and diluted earnings per share. The following table presents a reconciliation of the components used to compute basic and diluted earnings per share for the three and nine months ended September 30, 2020 and 2019: At or For the Three Months Ended September 30, At or For the Nine Months Ended September 30, Numerator (in thousands): 2020 2019 2020 2019 Net income $ 12,713 $ 7,144 $ 27,900 $ 16,799 Dividends and undistributed earnings allocated to participating securities (73) (28) (69) (26) Net income available to common shareholders $ 12,640 $ 7,116 $ 27,831 $ 16,773 Denominator (shown as actual): Basic weighted average common shares outstanding 4,224,821 4,401,303 4,285,955 4,411,439 Dilutive shares 70,513 97,077 77,333 110,852 Diluted weighted average common shares outstanding 4,295,334 4,498,380 4,363,288 4,522,291 Basic earnings per share $ 2.99 $ 1.62 $ 6.49 $ 3.80 Diluted earnings per share $ 2.94 $ 1.58 $ 6.38 $ 3.71 Potentially dilutive weighted average share options that were not included in the computation of diluted earnings per share because to do so would be anti-dilutive 102,187 44,905 75,530 42,399

Stock-Based Compensation

Stock-Based Compensation	9 Months Ended
Stock-Based Compensation	Sep. 30, 2020
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock-Based Compensation	NOTE 13 - STOCK-BASED COMPENSATION Stock Options and Restricted Stock On May 17, 2018, the shareholders of FS Bancorp, Inc. approved the 2018 Equity Incentive Plan (the “2018 Plan”) that authorizes 650,000 shares of the Company’s common stock to be awarded. The 2018 Plan provides for the grant of incentive stock options, non-qualified stock options, and up to 163,000 restricted stock awards (“RSAs”) to directors, emeritus directors, officers, employees or advisory directors of the Company. On August 15, 2020, the Company awarded grants of 24,880 RSAs and 62,285 stock options with an exercise price equal to the market price of FS Bancorp’s common stock on the grant date of $42.70 per share. At September 30, 2020, there were 274,060 stock option awards and 92,905 RSAs available to be granted under the 2018 Plan. In September 2013, the shareholders of FS Bancorp, Inc. approved the FS Bancorp, Inc. 2013 Equity Incentive Plan (the “2013 Plan”). The Plan provided for the grant of stock options and RSAs. The 2013 Plan authorized the grant of stock options totaling 324,013 shares of common stock to Company directors and employees of which 322,000 stock options were granted with an exercise price equal to the market price of FS Bancorp’s common stock on the grant date of May 8, 2014, of $16.89 per share. The 2013 Plan authorized the grant of RSAs totaling 129,605 shares to Company directors, advisory directors, emeritus directors, officers, and employees, all of which have been granted. All options and RSAs previously granted have vested as of September 30, 2020. At September 30, 2020, there were 6,013 stock option awards available to be granted under the 2013 Plan. Total share-based compensation expense was $272,000 and $719,000 for the three and nine months ended September 30, 2020, respectively, and $189,000 and $641,000 for the three and nine months ended September 30, 2019, respectively. Stock Options Both plans consist of stock option awards that may be granted as incentive stock options or non-qualified stock options. Stock option awards generally vest at one year for independent directors or over a five-year period for employees and officers with 20% vesting on the anniversary date of each grant date as long as the award recipient remains in service to the Company. The options are exercisable after vesting for up to the remaining term of the original grant. The maximum term of the options granted is 10 years. Any unexercised stock options will expire 10 years after the grant date or sooner in the event of the award recipient’s termination of service with the Company or the Bank. The fair value of each stock option award is estimated on the grant date using a Black-Scholes Option pricing model that uses the following assumptions. The dividend yield is based on the current quarterly dividend in effect at the time of the grant. Historical employment data is used to estimate the forfeiture rate. The Company elected to use Staff Accounting Bulletin 107, simplified expected term calculation for the “Share-Based Payments” method permitted by the SEC to calculate the expected term. This method uses the vesting term of an option along with the contractual term, setting the expected life at 5.5 years for one-year vesting and 6.5 years for five-year vesting. The following table presents a summary of the Company’s stock option awards during the nine months ended September 30, 2020 (shown as actual): Weighted-Average Weighted- Remaining Average Contractual Term In Aggregate Shares Exercise Price Years Intrinsic Value Outstanding at January 1, 2020 287,990 $ 36.98 6.77 $ 7,722,369 Granted 62,285 $ 42.70 6.45 — Less exercised 14,398 $ 16.89 — $ 453,674 Forfeited or expired — — — — Outstanding at September 30, 2020 335,877 $ 38.90 6.81 $ 2,964,011 Expected to vest, assuming a 0.31% annual forfeiture rate (1) 334,709 $ 38.86 6.81 $ 2,964,011 Exercisable at September 30, 2020 174,988 $ 28.62 4.90 $ 2,964,011 __________________________ (1) Forfeiture rate has been calculated and estimated to assume a forfeiture of 3.1% of the options forfeited over 10 years. At September 30, 2020, there was $1.6 million of total unrecognized compensation cost related to nonvested stock options granted under the 2018 plan. The cost is expected to be recognized over the remaining weighted-average vesting period of 3.7 years. Restricted Stock Awards The RSAs’ fair value is equal to the value of the stock based on the market price of FS Bancorp’s common stock on the grant date and compensation expense is recognized over the vesting period of the awards based on the fair value of the restricted stock. Shares for the 2018 Plan generally vest at one-year for independent directors or over a five-year period for employees and officers beginning on the grant date. Any unvested RSAs will expire after vesting or sooner in the event of the award recipient’s termination of service with the Company or the Bank. The following table presents a summary of the Company’s nonvested awards during the nine months ended September 30, 2020 (shown as actual): Weighted-Average Grant-Date Fair Value Nonvested Shares Shares Per Share Nonvested at January 1, 2020 40,215 $ 53.64 Granted 24,880 $ 42.70 Less vested 10,003 $ 53.67 Forfeited or expired — — Nonvested at September 30, 2020 55,092 $ 48.70 At September 30, 2020, there was $2.6 million of total unrecognized compensation cost related to nonvested shares granted under the 2018 Plan as RSAs. The cost is expected to be recognized over the remaining weighted-average vesting period of 3.9 years.

Regulatory Capital

Regulatory Capital	9 Months Ended
Regulatory Capital	Sep. 30, 2020
Regulatory Capital Requirements [Abstract]
Regulatory Capital	NOTE 14 - REGULATORY CAPITAL The Bank is subject to various regulatory capital requirements administered by the Federal Reserve and the FDIC. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines of the regulatory framework for prompt corrective action, the Bank must meet specific capital adequacy guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital classification is also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. The federal banking agencies jointly issued a final rule that provides for an optional, simplified measure of capital adequacy, the community bank leverage ratio framework, for qualifying community banking organizations, consistent with Section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act. This final rule is applicable to all non-advanced approaches FDIC-supervised institutions with less than $10 billion in total consolidated assets. The community bank leverage ratio (“CBLR”) final rule was effective on January 1, 2020, and will allow qualifying community banking organizations to calculate a leverage ratio to measure capital adequacy. Banks opting into the CBLR framework will not be required to calculate or report risk-based capital. A qualifying community banking organization is defined as having less than $10 billion in total consolidated assets, a leverage ratio greater than 9%, off-balance sheet exposures of 25% or less of total consolidated assets, and trading assets and liabilities of 5% or less of total consolidated assets. The final rule adopts Tier 1 capital and the existing leverage ratio into the community bank leverage ratio framework. A bank electing the framework will not be subject to other capital and leverage requirements. A bank electing the framework that ceases to meet any qualifying criteria in a future period and that has a leverage ratio greater than 8% will be allowed a grace period of two reporting periods to satisfy the CBLR qualifying criteria or comply with the generally applicable capital requirements. A bank may opt out of the framework at any time, without restriction, by reverting to the generally applicable risk-based capital rule. In response to the COVID-19 pandemic, the CARES Act was signed into law on March 27, 2020. Among other things, the CARES Act directs federal banking agencies to adopt interim final rules to lower the threshold under the CBLR from 9% to 8% and to provide a reasonable grace period for a community bank that falls below the threshold to regain compliance, in each case until the earlier of the termination date of the national emergency or December 31, 2020. In April 2020, the federal banking agencies issued two interim final rules implementing this directive. One interim final rule provides that, as of the second quarter 2020, banking organizations with leverage ratios of 8% or greater (and that meet the other existing qualifying criteria) may elect to use the CBLR framework. It also establishes a two-quarter grace period for qualifying community banking organizations whose leverage ratios fall below the 8% CBLR requirement, so long as the banking organization maintains a leverage ratio of 7% or greater. The second interim final rule provides a transition from the temporary 8% CBLR requirement to a 9% CBLR requirement. It establishes a minimum CBLR of 8% for the second through fourth quarters of 2020, 8.5% for 2021, and 9% thereafter, and maintains a two-quarter grace period for qualifying community banking organizations whose leverage ratios fall no more than 100 basis points below the applicable CBLR requirement. The FS Bancorp, Inc. is a bank holding company registered with the Federal Reserve. Bank holding companies are subject to capital adequacy requirements of the Federal Reserve under the Bank Holding Company Act of 1956, as amended, and the regulations of the Federal Reserve. Bank holding companies with less than $3.0 billion in assets are generally not subject to compliance with the Federal Reserve’s capital regulations, which are generally the same as the capital regulations applicable to the Bank. The Federal Reserve has a policy that a bank holding company is required to serve as a source of financial and managerial strength to the holding company’s subsidiary bank and expects the holding company’s subsidiary bank to be well capitalized under the prompt corrective action regulations. If FS Bancorp, Inc. was subject to regulatory guidelines for bank holding companies with $3.0 billion or more in assets at September 30, 2020, FS Bancorp, Inc. would have exceeded all regulatory capital requirements. The Tier 1 leverage-based capital ratio calculated for FS Bancorp, Inc. at September 30, 2020 was 10.8%, compared to 11.3% at December 31, 2019.

Business Segments

Business Segments	9 Months Ended
Business Segments	Sep. 30, 2020
Segment Reporting [Abstract]
Business Segments	NOTE 15 - BUSINESS SEGMENTS The Company’s business segments are determined based on the products and services provided, as well as the nature of the related business activities, and they reflect the manner in which financial information is currently evaluated by management. This process is dynamic and is based on management’s current view of the Company’s operations and is not necessarily comparable with similar information for other financial institutions. The Company defines its business segments by product type and customer segment which it has organized into two lines of business: commercial and consumer banking and home lending. The Company uses various management accounting methodologies to assign certain income statement items to the responsible operating segment, including: ● ● ● ● ● The FTP methodology is based on management’s estimated cost of originating funds including the cost of overhead for deposit generation. A description of the Company’s business segments and the products and services that they provide is as follows: Commercial and Consumer Banking Segment The commercial and consumer banking segment provides diversified financial products and services to its commercial and consumer customers through Bank branches, automated teller machines (“ATM”), online banking platforms, mobile banking apps, and telephone banking. These products and services include deposit products; residential, consumer, business and commercial real estate lending portfolios and cash management services. The Company originates consumer loans, commercial and multi-family real estate loans, construction loans for residential and multi-family construction, and commercial business loans. At September 30, 2020, the Company’s retail deposit branch network consisted of 21 branches in the Pacific Northwest. This segment is also responsible for the management of the investment portfolio and other assets of the Bank. Home Lending Segment The home lending segment Department of Veterans Affairs or VA, and United States Department of Agriculture or USDA are generally sold servicing released to a correspondent bank or mortgage company. The Company has the option to sell loans on a servicing-released or servicing-retained basis to securitizers and correspondent lenders. A small percentage of its loans are brokered to other lenders. On occasion, the Company may sell a portion of its MSR portfolio and may sell small pools of loans initially originated to be held in the loan portfolio. The Company manages the loan funding and the interest rate risk associated with the secondary market loan sales and the retained one-to-four-family mortgage servicing rights within this business segment. One-to-four-family loans originated for investment are allocated to the home lending segment with a corresponding provision expense and FTP for cost of funds. Segment Financial Results The tables below summarize the financial results for each segment based on the factors mentioned above within each segment for the three and nine months ended September 30, 2020 and 2019: At or For the Three Months Ended September 30, 2020 Condensed income statement: Home Lending Commercial and Consumer Banking Total Net interest income (1) $ 1,085 $ 17,833 $ 18,918 Provision for loan losses (960) (2,140) (3,100) Noninterest income 15,078 2,468 17,546 Noninterest expense (4,117) (13,062) (17,179) Income before provision for income taxes 11,086 5,099 16,185 Provision for income taxes (2,372) (1,100) (3,472) Net income $ 8,714 $ 3,999 $ 12,713 Total average assets for period ended $ 445,927 $ 1,568,582 $ 2,014,509 FTEs 137 336 473 At or For the Three Months Ended September 30, 2019 Condensed income statement: Home Lending Commercial and Consumer Banking Total Net interest income (1) $ 2,897 $ 14,838 $ 17,735 Provision for loan losses 3 (576) (573) Noninterest income 3,971 2,773 6,744 Noninterest expense (3,504) (11,218) (14,722) Income before provision for income taxes 3,367 5,817 9,184 Provision for income taxes (740) (1,300) (2,040) Net income $ 2,627 $ 4,517 $ 7,144 Total average assets for period ended $ 286,689 $ 1,366,527 $ 1,653,216 FTEs 121 307 428 At or For the Nine Months Ended September 30, 2020 Condensed income statement: Home Lending Commercial and Consumer Banking Total Net interest income (1) $ 3,470 $ 50,781 $ 54,251 Provision for loan losses (2,016) (9,419) (11,435) Noninterest income 32,312 8,256 40,568 Noninterest expense (12,348) (35,637) (47,985) Income before provision for income taxes 21,418 13,981 35,399 Provision for income taxes (4,537) (2,962) (7,499) Net income $ 16,881 $ 11,019 $ 27,900 Total average assets for year ended $ 383,363 $ 1,512,515 $ 1,895,878 FTEs 137 336 473 At or For the Nine Months Ended September 30, 2019 Condensed income statement: Home Lending Commercial and Consumer Banking Total Net interest income (1) $ 5,109 $ 47,849 $ 52,958 Provision for loan losses (360) (1,873) (2,233) Noninterest income 9,901 7,481 17,382 Noninterest expense (10,752) (35,838) (46,590) Income before provision for income taxes 3,898 17,619 21,517 Provision for income taxes (855) (3,863) (4,718) Net income $ 3,043 $ 13,756 $ 16,799 Total average assets for year ended $ 259,964 $ 1,372,097 $ 1,632,061 FTEs 121 307 428 __________________________ (1) Net interest income is the difference between interest earned on assets and the cost of liabilities to fund those assets. Interest earned includes actual interest earned on segment assets and, if the segment has excess liabilities, interest credits for providing funding to the other segment. The cost of liabilities includes interest expense on segment liabilities and, if the segment does not have enough liabilities to fund its assets, a funding charge based on the cost of assigned liabilities to fund segment assets.

Goodwill and other Intangible A

Goodwill and other Intangible Assets	9 Months Ended
Goodwill and other Intangible Assets	Sep. 30, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangible Assets	NOTE 16 - GOODWILL AND OTHER INTANGIBLE ASSETS Goodwill and certain other intangibles generally arise from business combinations accounted for under the acquisition method of accounting. Goodwill totaled $2.3 million at September 30, 2020 and December 31, 2019, and represents the excess of the total acquisition price paid over the fair value of the assets acquired, net of the fair values of liabilities assumed as a result of the purchase of four retail bank branches from Bank of America, National Association on January 22, 2016 (“Branch Purchase”). Goodwill is not amortized but is evaluated for impairment on an annual basis at December 31 of each year or whenever events or changes in circumstances indicate the carrying value may not be recoverable. The Company performed an impairment analysis at December 31, 2019, and determined that no impairment of goodwill existed. No triggering events or circumstances since the December 31, 2019 annual impairment test were noted that would require an interim step-one goodwill impairment quantitative analysis to determine if it was more likely than not a goodwill impairment existed at September 30, 2020, however, if adverse economic conditions or the decrease in the Company’s stock price and market capitalization as a result of the COVID-19 pandemic were to be deemed sustained rather than temporary, it may significantly affect the fair value of our goodwill. Accordingly, no assurances can be given that the Company will not record an impairment loss on goodwill in the future. Core deposit intangible (“CDI”) is evaluated for impairment whenever events or changes in circumstances indicate that its carrying amount may not be recoverable, with any changes in estimated useful life accounted for prospectively over the revised remaining life. As of September 30, 2020, management believes that there have been no events or changes in the circumstances that would indicate a potential impairment of CDI. The following table summarizes the changes in the Company’s other intangible assets comprised solely of CDI for the year ended December 31, 2019, and the nine months ended September 30, 2020. Other Intangible Assets Accumulated Gross CDI Amortization Net CDI Balance, December 31, 2018 $ 7,490 $ (1,273) $ 6,217 Amortization — (760) (760) Balance, December 31, 2019 7,490 (2,033) 5,457 Amortization — (529) (529) Balance, September 30, 2020 $ 7,490 $ (2,562) $ 4,928 The CDI represents the fair value of the intangible core deposit base acquired in business combinations. The CDI will be amortized on a straight-line basis over 10 years for the CDI related to the Anchor Merger on November 15, 2018 (“Anchor Acquisition”) and on an accelerated basis over approximately nine years for the CDI related to the Branch Purchase. Total amortization expense was $176,000 and $529,000 for the three and nine months ended September 30, 2020, and $190,000 and $570,000 for the same period in 2019. Amortization expense for CDI is expected to be as follows at September 30, 2020: Remainder of 2020 $ 177 2021 691 2022 691 2023 691 2024 621 Thereafter 2,057 Total $ 4,928

Revenue From Contracts With Cus

Revenue From Contracts With Customers	9 Months Ended
Revenue From Contracts With Customers	Sep. 30, 2020
Revenue from Contract with Customer [Abstract]
Revenue from Contract with Customers	NOTE 17 - REVENUE FROM CONTRACTS WITH CUSTOMERS Revenue Recognition In accordance with Topic 606, revenues are recognized when control of promised goods or services is transferred to customers in an amount that reflects the consideration the Company expects to be entitled to in exchange for those goods or services. To determine revenue recognition for arrangements that an entity determines are within the scope of Topic 606, the Company performs the following five steps: (i) identify the contract(s) with a customer; (ii) identify the performance obligations in the contract; (iii) determine the transaction price; (iv) allocate the transaction price to the performance obligations in the contract; and (v) recognize revenue when (or as) the Company satisfies a performance obligation. The Company only applies the five-step model to contracts when it is probable that the entity will collect the consideration it is entitled to in exchange for the goods or services it transfers to the customer. At contract inception, once the contract is determined to be within the scope of Topic 606, the Company assesses the goods or services that are promised within each contract and identifies those that contain performance obligations, and assesses whether each promised good or service is distinct. The Company then recognizes as revenue the amount of the transaction price that is allocated to the respective performance obligation when (or as) the performance obligation is satisfied. All of the Company’s revenue from contracts with customers in-scope of ASC 606 is recognized in noninterest income and included in our commercial and consumer banking segment. The following table presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the three and nine months ended September 30, 2020 and 2019. (Dollars in thousands): At or For the Three Months Ended September 30, At or For the Nine Months Ended September 30, Noninterest income 2020 2019 2020 2019 In-scope of Topic 606: Debit card interchange fees $ 504 $ 491 $ 1,382 $ 1,383 Deposit service and account maintenance fees 172 233 583 784 Noninterest income (in-scope of Topic 606) 676 724 1,965 2,167 Noninterest income (out-of-scope of Topic 606) 16,870 6,020 38,603 15,215 Total noninterest income $ 17,546 $ 6,744 $ 40,568 $ 17,382 Deposit Fees The Bank earns fees from its deposit customers for account maintenance, transaction-based services, and overdraft charges. Account maintenance fees consist primarily of account fees and analyzed account fees charged on deposit accounts on a monthly basis. The performance obligation is satisfied and the fees are recognized on a monthly basis as the service period is completed. Transaction-based fees on deposit accounts are charged to deposit customers for specific services provided to the customer, such as wire fees, as well as charges against the account, such as fees for non-sufficient funds and overdrafts. The performance obligation is completed as the transaction occurs and the fees are recognized at the time each specific service is provided to the customer. Debit Interchange Income Debit and ATM interchange income represent fees earned when a debit card issued by the Bank is used. The Bank earns interchange fees from debit cardholder transactions through the Visa payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. The performance obligation is satisfied and the fees are earned when the cost of the transaction is charged to the cardholders’ debit card.

COVID-19 Pandemic

COVID-19 Pandemic	9 Months Ended
COVID-19 Pandemic	Sep. 30, 2020
Covid 19 Pandemic
Covid-19 Pandemic	NOTE 18 - COVID-19 PANDEMIC In response to the current global situation surrounding the COVID-19 pandemic, the Company is offering a variety of relief options designed to support our customers and the communities we serve. The Company is following the Federal Housing Finance Agency guidelines for the COVID-19 pandemic on all one-to-four-family serviced loans and a modified format for one-to-four-family portfolio loans. As of September 30, 2020, the amount of loans under payment/relief agreements included commercial real estate loans of $23.8 million, commercial business loans of $7.6 million, portfolio one-to-four-family loans of $3.3 million, and consumer loans of $280,000. These modifications were not classified as TDRs at September 30, 2020 in accordance with the CARES Act and related banking agency regulatory guidance. All loans modified due to COVID-19 will be separately monitored and any request for continuation of relief beyond the initial modification will be reassessed at that time to determine if a further modification should be granted and if a downgrade in risk rating is appropriate. The Company participated in the PPP through its conclusion on August 8, 2020, and has 471 PPP loans totaling $74.1 million as of September 30, 2020 for borrowers in the communities we serve. The Company utilized the FRB's PPPLF, pursuant to which it pledged its PPP loans as collateral at face value to obtain FRB non-recourse advances. As of September 30, 2020, the Company has borrowed $74.1 million under the PPPLF, with no additional borrowing capacity. Advances under the PPPLF incur interest at a per annum rate of 0.35%. The maturity date of any PPPLF advance (the “Maturity Date”) will be the maturity date of the PPP loan pledged to secure the PPPLF advance. The Maturity Date of any PPPLF advance will be accelerated on and to the extent of (i) the date of any loan forgiveness reimbursement by the SBA for any PPP loan securing the PPPLF advance; or (ii) the date of purchase by the SBA from the Bank of any PPP loan securing the PPPLF loan advance to realize on the SBA’s guarantee of the PPP loan. PPPLF loans may be prepaid in full or in part, without penalty. The Bank shall prepay PPPLF advances (i) on the date and to the extent of the payment by the SBA for the amount of covered loan forgiveness for any PPP loan securing the PPPLF advance; (ii) on the date of purchase by the SBA from the Bank of a PPP loan securing the PPPLF advances to realize on the SBA’s guarantee of such PPP loans; or (iii) on the date and to the extent a borrower under a PPP loan repays or prepays such PPP loans, in each case, so that the amount of any PPPLF advances outstanding does not exceed the outstanding amount of PPP loans pledged to secure such PPPLF advances. As of September 30, 2020, of the $74.1 million of borrowings under PPPLF, $72.8 million were set to mature in 2022 and $1.3 million in 2025.

Basis of Presentation and Sum_2

Basis of Presentation and Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
Financial Statement Presentation	Financial Statement Presentation - The results for the three and nine months ended September 30, 2020 are not necessarily indicative of the results that may be expected for the year ending December 31, 2020, or any other future period. The preparation of financial statements, in conformity with U.S. GAAP, requires management to make estimates and assumptions that affect amounts reported in the financial statements. Actual results could differ from these estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan and lease losses, fair value of financial instruments, the valuation of servicing rights, deferred income taxes, and if needed, a deferred tax asset valuation allowance. Amounts presented in the consolidated financial statements and footnote tables are rounded and presented to the nearest thousands of dollars except per share amounts. If the amounts are above $1.0 million, they are rounded one decimal point, and if they are above $1.0 billion, they are rounded two decimal points.
Principles of Consolidation	Principles of Consolidation -
Segment Reporting	Segment Reporting -
Subsequent Events	Subsequent Events -
RECENT ACCOUNTING PRONOUNCEMENTS	RECENT ACCOUNTING PRONOUNCEMENTS In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, as amended by ASU 2018-19, ASU 2019-10, and ASU 2019-11. organizations. The ASU requires the recognition and measurement of all current expected credit losses (“CECL”) for financial assets held at the reporting date based on historical experience, current conditions, and reasonable and supportable forecasts. Financial institutions and other organizations will now use forward-looking information to better inform their credit loss estimates. Many of the loss estimation techniques applied today will still be permitted, although the inputs to those techniques will change to reflect the approach under CECL. Organizations will continue to use judgment to determine which loss estimation method is appropriate for their circumstances. The ASU requires enhanced disclosures to help investors and other financial statement users better understand significant estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of an organization’s portfolio. These disclosures include qualitative and quantitative requirements that provide additional information about the amounts recorded in the financial statements. In addition, the ASU amends the accounting for credit losses on available-for-sale debt securities and purchased financial assets with credit deterioration. The ASU and associated amendments are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2022. Early adoption will be permitted for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. The Company has selected a third-party vendor to assist in the implementation of this ASU and has run parallel computations as it continues to evaluate the impact of adoption of the new standard. As part of the implementation, management is also evaluating economic variables and forecast time horizons it believes to be most relevant based on the composition of the loan portfolio to develop a reasonable and supportable forecast, likely to include forecasted levels of employment, gross domestic product, and home price index, depending on the nature of the loan segment, as well as various loss methodologies to estimate expected credit losses. In addition, management has kept current on evolving interpretations and industry practices related to ASU 2016-13 via webcasts, publications, and conferences. Once adopted, the Company anticipates the allowance for loan losses to potentially increase through a one-time adjustment to retained earnings, however, until the evaluation is complete the magnitude of the potential increase will be unknown. In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326: Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments In May 2019, the FASB issued ASU 2019-05, Financial Instruments-Credit Losses (Topic 326): Targeted Transition Relief In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes. In March 2020, the FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of reference Rate Reform on Financial Reporting used to assess hedge effectiveness will not result in dedesignation of the hedging relationship if certain criteria are met. This ASU is effective for all entities as of March 12, 2020 through December 31, 2022. The Company is party to cash flow hedge arrangements where the hedge effectiveness is based on LIBOR. The Company is currently evaluating the impact of the reference rate reform on the Company’s consolidated financial statements. In October 2020, the FASB issued ASU 2020-08, Codification Improvements to Subtopic 310-20: Receivables – Nonrefundable Fees and Other Costs
Recent Events	Recent Events
Application of New Accounting Guidance	Application of New Accounting Guidance Adopted in 2020 On January 1, 2020, the Company adopted FASB ASU No. 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement
Earnings Per Share	The Company computes earnings per share using the two-class method, which is an earnings allocation method for computing earnings per share that treats a participating security as having rights to earnings that would otherwise have been available to common shareholders. Basic earnings per share are computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Unvested share-based awards containing non-forfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and are included in the computation of earnings per share pursuant to the two-class method. Diluted earnings per share reflect the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity. For earnings per share calculations, the ESOP shares committed to be released are included as outstanding shares for both basic and diluted earnings per share.
Loan Portfolio Segment	The Company has defined its loan portfolio into three segments that reflect the structure of the lending function, the Company’s strategic plan and the manner in which management monitors performance and credit quality. The three loan portfolio segments are: (a) Real Estate Loans, (b) Consumer Loans, and (c) Commercial Business Loans. Each of these segments is disaggregated into classes based on the risk characteristics of the borrower and/or the collateral type securing the loan. The following is a summary of each of the Company’s loan portfolio segments and classes: Real Estate Loans Commercial Lending Construction and Development Lending Home Equity Lending One-to-Four-Family Real Estate Lending Multi-Family Lending Consumer Loans Indirect Home Improvement Marine Other Consumer. Commercial Business Loans Commercial and Industrial Lending (“C&I”) Warehouse Lending
Credit Quality Indicators	The Company utilizes a risk grading matrix to assign a risk grade to its real estate and commercial business loans. Loans are graded on a scale of 1 to 10, with loans in risk grades 1 to 6 considered “Pass” and loans in risk grades 7 to 10 are reported as classified loans in the Company’s allowance for loan loss analysis. A description of the 10 risk grades is as follows: ● Grades 1 and 2 - These grades include loans to very high quality borrowers with excellent or desirable business credit. ● Grade 3 - This grade includes loans to borrowers of good business credit with moderate risk. ● Grades 4 and 5 - These grades include “Pass” grade loans to borrowers of average credit quality and risk. ● Grade 6 - This grade includes loans on management’s “Watch” list and is intended to be utilized on a temporary basis for “Pass” grade borrowers where frequent and thorough monitoring is required due to credit weaknesses and where significant risk-modifying action is anticipated in the near term. ● Grade 7 - This grade is for “Other Assets Especially Mentioned” (“OAEM”) in accordance with regulatory guidelines and includes borrowers where performance is poor or significantly less than expected. ● Grade 8 - This grade includes “Substandard” loans in accordance with regulatory guidelines which represent an unacceptable business credit where a loss is possible if loan weakness is not corrected. ● Grade 9 - This grade includes “Doubtful” loans in accordance with regulatory guidelines where a loss is highly probable. ● Grade 10 - This grade includes “Loss” loans in accordance with regulatory guidelines for which total loss is expected and when identified are charged off. Consumer, Home Equity, and One-to-Four-Family Real Estate Loans Homogeneous loans are risk rated based upon the Federal Financial Institutions Examination Council’s Uniform Retail Credit Classification and Account Management Policy. Loans classified under this policy at the Company are consumer loans which include indirect home improvement, solar, marine, other consumer, and one-to-four-family first and second liens. Under the Uniform Retail Credit Classification Policy, loans that are current or less than 90 days past due are graded “Pass” and risk rated “4” or “5” internally. Loans that are past due more than 90 days are classified “Substandard” and risk rated “8” internally until the loan has demonstrated consistent performance, typically six months of contractual payments. Closed-end loans that are 120 days past due and open-end loans that are 180 days past due are charged off based on the value of the collateral less cost to sell. Management may more conservatively risk rate credits that may be paying as agreed. Commercial real estate, construction and development, multi-family and commercial business loans are evaluated individually for their risk classification and may be classified as “Substandard” even if current on their loan payment obligations.
Determination of Fair Market Values	The following methods were used to estimate the fair value of certain assets and liabilities on a recurring and nonrecurring basis: Securities Available-for-Sale - Mortgage Loans Held for Sale - Derivative Instruments - Impaired Loans Other Real Estate Owned Servicing Rights -
Nonaccrual and Past Due Loans	Non-accrual and Past Due Loans As a result of the negative impact on employment from the COVID-19 pandemic, we are anticipating higher levels of financial hardship for our customers, which we expect will lead to higher levels of forbearance, delinquency and defaults. We expect that, left unabated, this deterioration in forbearance, delinquency and default rates will persist until such time as the economy and employment return to relatively normal levels. We assist customers with an array of payment programs during periods of financial hardship, including forbearance. Forbearance allows a borrower to temporarily not make scheduled payments or to make smaller than scheduled payments, in each case for a specified period of time. Forbearance does not grant any reduction in the total principal or interest repayment obligation. While a loan is in forbearance status, interest continues to accrue and is repaid over a specified time period when the loan re-enters repayment status.
Loan Commitments	The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.

Investments (Tables)

Investments (Tables)	9 Months Ended
Investments (Tables)	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Schedule of Available-for-sale Securities Reconciliation	September 30, 2020 Estimated Amortized Unrealized Unrealized Fair SECURITIES AVAILABLE-FOR-SALE Cost Gains Losses Values U.S. agency securities $ 3,982 $ 158 $ — $ 4,140 Corporate securities 15,877 68 (378) 15,567 Municipal bonds 59,477 2,310 (110) 61,677 Mortgage-backed securities 69,505 3,022 (85) 72,442 U.S. Small Business Administration securities 18,674 608 (7) 19,275 Total securities available-for-sale 167,515 6,166 (580) 173,101 SECURITIES HELD-TO-MATURITY Corporate securities 5,500 44 (6) 5,538 Total securities held-to-maturity 5,500 44 (6) 5,538 Total securities $ 173,015 $ 6,210 $ (586) $ 178,639 December 31, 2019 Estimated Amortized Unrealized Unrealized Fair SECURITIES AVAILABLE-FOR-SALE Cost Gains Losses Values U.S. agency securities $ 8,986 $ 95 $ (15) $ 9,066 Corporate securities 10,525 52 (7) 10,570 Municipal bonds 20,516 604 — 21,120 Mortgage-backed securities 62,745 405 (300) 62,850 U.S. Small Business Administration securities 22,281 191 (21) 22,451 Total securities available-for-sale $ 125,053 $ 1,347 $ (343) $ 126,057
Schedule of Unrealized Loss on Investments	September 30, 2020 Less than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized SECURITIES AVAILABLE-FOR-SALE Value Losses Value Losses Value Losses Corporate securities $ 5,620 $ (378) $ — $ — $ 5,620 $ (378) Municipal bonds 7,505 (110) — — 7,505 (110) Mortgage-backed securities 6,343 (73) 3,012 (12) 9,355 (85) U.S. Small Business Administration securities 2,298 (7) — — 2,298 (7) Total securities available-for-sale 21,766 (568) 3,012 (12) 24,778 (580) SECURITIES HELD-TO-MATURITY Corporate securities 1,994 (6) — — 1,994 (6) Total securities held-to-maturity 1,994 (6) — — 1,994 (6) Total $ 23,760 $ (574) $ 3,012 $ (12) $ 26,772 $ (586) December 31, 2019 Less than 12 Months 12 Months or Longer Total Fair Unrealized Fair Unrealized Fair Unrealized SECURITIES AVAILABLE-FOR-SALE Value Losses Value Losses Value Losses U.S. agency securities $ 2,977 $ (15) $ — $ — $ 2,977 $ (15) Corporate securities 1,993 (7) — — 1,993 (7) Mortgage-backed securities 12,345 (154) 11,459 (146) 23,804 (300) U.S. Small Business Administration securities 4,395 (21) — — 4,395 (21) Total $ 21,710 $ (197) $ 11,459 $ (146) $ 33,169 $ (343)
Schedule of Available for Sale Securities by Contractual Maturity	September 30, 2020 December 31, 2019 SECURITIES AVAILABLE-FOR-SALE Amortized Fair Amortized Fair U.S. agency securities Cost Value Cost Value Due after one year through five years $ 982 $ 1,068 $ 996 $ 1,036 Due after five years through ten years 1,000 1,039 3,997 4,027 Due after ten years 2,000 2,033 3,993 4,003 Subtotal 3,982 4,140 8,986 9,066 Corporate securities Due in one year or less 4,002 4,013 5,034 5,044 Due after one year through five years 5,875 5,913 3,491 3,532 Due after five years through ten years 4,000 3,641 2,000 1,994 Due after ten years 2,000 2,000 — — Subtotal 15,877 15,567 10,525 10,570 Municipal bonds Due in one year or less 102 102 — — Due after one year through five years 3,755 4,001 3,774 3,833 Due after five years through ten years 7,239 7,576 3,162 3,307 Due after ten years 48,381 49,998 13,580 13,980 Subtotal 59,477 61,677 20,516 21,120 Mortgage-backed securities Federal National Mortgage Association (“FNMA”) 47,670 50,279 42,131 42,333 Federal Home Loan Mortgage Corporation (“FHLMC”) 14,641 14,838 15,250 15,179 Government National Mortgage Association (“GNMA”) 7,194 7,325 5,364 5,338 Subtotal 69,505 72,442 62,745 62,850 U.S. Small Business Administration securities Due after one year through five years 2,267 2,348 1,546 1,555 Due after five years through ten years 8,177 8,447 11,500 11,598 Due after ten years 8,230 8,480 9,235 9,298 Subtotal 18,674 19,275 22,281 22,451 Total securities available-for-sale 167,515 173,101 125,053 126,057 SECURITIES HELD-TO-MATURITY Corporate securities Due after five years through ten years 4,000 4,003 — — Due after ten years 1,500 1,535 — — Total securities held-to-maturity 5,500 5,538 — — Total securities $ 173,015 $ 178,639 $ 125,053 $ 126,057
Schedule of Realized Gain (Loss)	Three Months Ended Nine Months Ended September 30, 2020 September 30, 2020 Gross Gross Gross Gross Proceeds Gains (Losses) Proceeds Gains (Losses) Securities available-for-sale $ 3,041 $ 119 $ — $ 12,214 $ 300 $ — Three Months Ended Nine Months Ended September 30, 2019 September 30, 2019 Gross Gross Gross Gross Proceeds Gains (Losses) Proceeds Gains (Losses) Securities available-for-sale $ — $ — $ — $ 10,554 $ 91 $ (59)

Loans Receivable and Allowanc_2

Loans Receivable and Allowance For Loan Losses (Tables)	9 Months Ended
Loans Receivable and Allowance For Loan Losses (Tables)	Sep. 30, 2020
Receivables [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable	September 30, December 31, REAL ESTATE LOANS 2020 2019 Commercial $ 227,354 $ 210,749 Construction and development 191,933 179,654 Home equity 40,459 38,167 One-to-four-family (excludes loans held for sale) 300,863 261,539 Multi-family 130,243 133,931 Total real estate loans 890,852 824,040 CONSUMER LOANS Indirect home improvement 276,693 254,691 Marine 84,650 67,179 Other consumer 3,465 4,340 Total consumer loans 364,808 326,210 COMMERCIAL BUSINESS LOANS Commercial and industrial 224,276 140,531 Warehouse lending 39,482 61,112 Total commercial business loans 263,758 201,643 Total loans receivable, gross 1,519,418 1,351,893 Allowance for loan losses (24,799) (13,229) Deferred costs and fees, net (4,240) (3,273) Premiums on purchased loans, net 1,124 955 Total loans receivable, net $ 1,491,503 $ 1,336,346
Allowance for Credit Losses on Financing Receivables	At or For the Three Months Ended September 30, 2020 Commercial ALLOWANCE FOR LOAN LOSSES Real Estate Consumer Business Unallocated Total Beginning balance $ 11,912 $ 5,132 $ 4,248 $ 232 $ 21,524 Provision (recapture) for loan losses 907 1,891 335 (33) 3,100 Charge-offs — (196) (11) — (207) Recoveries — 254 128 — 382 Net recoveries — 58 117 — 175 Ending balance $ 12,819 $ 7,081 $ 4,700 $ 199 $ 24,799 Period end amount allocated to: Loans individually evaluated for impairment $ 15 $ 274 $ 1,057 $ — $ 1,346 Loans collectively evaluated for impairment 12,804 6,807 3,643 199 23,453 Ending balance $ 12,819 $ 7,081 $ 4,700 $ 199 $ 24,799 LOANS RECEIVABLE Loans individually evaluated for impairment $ 2,456 $ 781 $ 4,324 $ — $ 7,561 Loans collectively evaluated for impairment 888,396 364,027 259,434 — 1,511,857 Ending balance $ 890,852 $ 364,808 $ 263,758 $ — $ 1,519,418 At or For the Three Months Ended September 30, 2019 Commercial ALLOWANCE FOR LOAN LOSSES Real Estate Consumer Business Unallocated Total Beginning balance $ 5,780 $ 3,575 $ 2,718 $ 267 $ 12,340 Provision (recapture) for loan losses 247 262 321 (257) 573 Charge-offs (5) (275) — — (280) Recoveries 11 121 — — 132 Net recoveries (charge-offs) 6 (154) — — (148) Ending balance $ 6,033 $ 3,683 $ 3,039 $ 10 $ 12,765 Period end amount allocated to: Loans individually evaluated for impairment $ — $ 184 $ — $ — $ 184 Loans collectively evaluated for impairment 6,033 3,499 3,039 10 12,581 Ending balance $ 6,033 $ 3,683 $ 3,039 $ 10 $ 12,765 LOANS RECEIVABLE Loans individually evaluated for impairment $ 882 $ 525 $ — $ — $ 1,407 Loans collectively evaluated for impairment 818,103 317,409 189,276 — 1,324,788 Ending balance $ 818,985 $ 317,934 $ 189,276 $ — $ 1,326,195 At or For the Nine Months Ended September 30, 2020 Commercial ALLOWANCE FOR LOAN LOSSES Real Estate Consumer Business Unallocated Total Beginning balance $ 6,206 $ 3,766 $ 3,254 $ 3 $ 13,229 Provision for loan losses 6,595 3,606 1,038 196 11,435 Charge-offs — (869) (22) — (891) Recoveries 18 578 430 — 1,026 Net recoveries (charge-offs) 18 (291) 408 — 135 Ending balance $ 12,819 $ 7,081 $ 4,700 $ 199 $ 24,799 Period end amount allocated to: Loans individually evaluated for impairment $ 15 $ 274 $ 1,057 $ — $ 1,346 Loans collectively evaluated for impairment 12,804 6,807 3,643 199 23,453 Ending balance $ 12,819 $ 7,081 $ 4,700 $ 199 $ 24,799 LOANS RECEIVABLE Loans individually evaluated for impairment $ 2,456 $ 781 $ 4,324 $ — $ 7,561 Loans collectively evaluated for impairment 888,396 364,027 259,434 — 1,511,857 Ending balance $ 890,852 $ 364,808 $ 263,758 $ — $ 1,519,418 At or For the Nine Months Ended September 30, 2019 Commercial ALLOWANCE FOR LOAN LOSSES Real Estate Consumer Business Unallocated Total Beginning balance $ 5,761 $ 3,351 $ 3,191 $ 46 $ 12,349 Provision (recapture) for loan losses 266 571 1,432 (36) 2,233 Charge-offs (5) (741) (1,584) — (2,330) Recoveries 11 502 — — 513 Net recoveries (charge-offs) 6 (239) (1,584) — (1,817) Ending balance $ 6,033 $ 3,683 $ 3,039 $ 10 $ 12,765 Period end amount allocated to: Loans individually evaluated for impairment $ — $ 184 $ — $ — $ 184 Loans collectively evaluated for impairment 6,033 3,499 3,039 10 12,581 Ending balance $ 6,033 $ 3,683 $ 3,039 $ 10 $ 12,765 LOANS RECEIVABLE Loans individually evaluated for impairment $ 882 $ 525 $ — $ — $ 1,407 Loans collectively evaluated for impairment 818,103 317,409 189,276 — 1,324,788 Ending balance $ 818,985 $ 317,934 $ 189,276 $ — $ 1,326,195
Past Due Financing Receivables	September 30, 2020 30-59 60-89 Days Days 90 Days Total Total Past Past or More Past Loans Non- REAL ESTATE LOANS Due Due Past Due Due Current Receivable Accrual Commercial $ — $ 549 $ — $ 549 $ 226,805 $ 227,354 $ 1,087 Construction and development — — — — 191,933 191,933 — Home equity — — 219 219 40,240 40,459 636 One-to-four-family — 353 733 1,086 299,777 300,863 733 Multi-family — — — — 130,243 130,243 — Total real estate loans — 902 952 1,854 888,998 890,852 2,456 CONSUMER LOANS Indirect home improvement 628 295 375 1,298 275,395 276,693 781 Marine 41 23 — 64 84,586 84,650 — Other consumer 20 65 — 85 3,380 3,465 — Total consumer loans 689 383 375 1,447 363,361 364,808 781 COMMERCIAL BUSINESS LOANS Commercial and industrial — — — — 224,276 224,276 4,324 Warehouse lending — — — — 39,482 39,482 — Total commercial business loans — — — — 263,758 263,758 4,324 Total loans $ 689 $ 1,285 $ 1,327 $ 3,301 $ 1,516,117 $ 1,519,418 $ 7,561 December 31, 2019 30-59 60-89 Days Days 90 Days Total Total Past Past or More Past Loans Non- REAL ESTATE LOANS Due Due Past Due Due Current Receivable Accrual Commercial $ — $ — $ — $ — $ 210,749 $ 210,749 $ 1,086 Construction and development 533 — — 533 179,121 179,654 — Home equity 109 — 185 294 37,873 38,167 190 One-to-four-family 894 114 1,150 2,158 259,381 261,539 1,264 Multi-family — — — — 133,931 133,931 — Total real estate loans 1,536 114 1,335 2,985 821,055 824,040 2,540 CONSUMER LOANS Indirect home improvement 692 227 147 1,066 253,625 254,691 468 Marine 15 — — 15 67,164 67,179 — Other consumer 71 2 20 93 4,247 4,340 25 Total consumer loans 778 229 167 1,174 325,036 326,210 493 COMMERCIAL BUSINESS LOANS Commercial and industrial — — — — 140,531 140,531 — Warehouse lending — — — — 61,112 61,112 — Total commercial business loans — — — — 201,643 201,643 — Total loans $ 2,314 $ 343 $ 1,502 $ 4,159 $ 1,347,734 $ 1,351,893 $ 3,033
Impaired Financing Receivables	September 30, 2020 Unpaid WITH NO RELATED ALLOWANCE RECORDED Principal Recorded Related Real estate loans: Balance Investment Allowance Commercial $ 1,098 $ 1,087 $ — Home equity 687 636 — One-to-four-family 736 673 — 2,521 2,396 — WITH RELATED ALLOWANCE RECORDED Real estate loans: One-to-four-family 61 60 15 Consumer loans: Indirect 781 781 274 Commercial business loans: Commercial and industrial 4,324 4,324 1,057 5,166 5,165 1,346 Total $ 7,687 $ 7,561 $ 1,346 December 31, 2019 Unpaid WITH NO RELATED ALLOWANCE RECORDED Principal Recorded Related Real estate loans: Balance Investment Allowance Commercial $ 1,097 $ 1,086 $ — Home equity 278 225 — One-to-four-family 1,293 1,264 — Consumer loans Other consumer 17 17 — 2,685 2,592 — WITH RELATED ALLOWANCE RECORDED Real estate loans: One-to-four-family 61 60 15 Consumer loans: Indirect 468 468 164 Other consumer 8 8 3 537 536 182 Total $ 3,222 $ 3,128 $ 182 At or For the Three Months Ended September 30, 2020 September 30, 2019 WITH NO RELATED ALLOWANCE RECORDED Average Recorded Interest Income Average Recorded Interest Income Real estate loans: Investment Recognized Investment Recognized Commercial $ 1,089 $ 14 $ — $ — Home equity 672 11 190 — One-to-four-family 733 10 1,339 25 2,494 35 1,529 25 WITH AN ALLOWANCE RECORDED Real estate loans: One-to-four-family 60 — — — Consumer loans: Indirect 723 16 488 9 Marine — — 34 — Other consumer — — 9 — Commercial business loans: Commercial and industrial 4,310 — — — 5,093 16 531 9 Total $ 7,587 $ 51 $ 2,060 $ 34 At or For the Nine Months Ended September 30, 2020 September 30, 2019 WITH NO RELATED ALLOWANCE RECORDED Average Recorded Interest Income Average Recorded Interest Income Real estate loans: Investment Recognized Investment Recognized Commercial $ 1,088 $ 41 $ — $ — Home equity 434 22 210 — One-to-four-family 1,029 17 1,532 43 Consumer loans: Other consumer 4 — — — Commercial business loans: Commercial and industrial — — 240 — 2,555 80 1,982 43 WITH AN ALLOWANCE RECORDED Real estate loans: One-to-four-family 60 — — — Consumer loans: Indirect 624 40 452 29 Marine 42 1 17 1 Other consumer — — 8 1 Commercial business loans: Commercial and industrial 1,910 162 128 7 2,636 203 605 38 Total $ 5,191 $ 283 $ 2,587 $ 81
Financing Receivable Credit Quality Indicators	September 30, 2020 Special Pass Watch Mention Substandard Doubtful Loss REAL ESTATE LOANS (1 - 5) (6) (7) (8) (9) (10) Total Commercial $ 144,013 $ 73,931 $ 6,440 $ 2,970 $ — $ — $ 227,354 Construction and development 187,815 2,268 1,850 — — — 191,933 Home equity 39,823 — — 636 — — 40,459 One-to-four-family 293,271 163 187 7,242 — — 300,863 Multi-family 130,243 — — — — — 130,243 Total real estate loans 795,165 76,362 8,477 10,848 — — 890,852 CONSUMER LOANS Indirect home improvement 275,912 — — 781 — — 276,693 Marine 84,650 — — — — — 84,650 Other consumer 3,465 — — — — — 3,465 Total consumer loans 364,027 — — 781 — — 364,808 COMMERCIAL BUSINESS LOANS Commercial and industrial 184,676 29,619 3,154 6,827 — — 224,276 Warehouse lending 39,482 — — — — — 39,482 Total commercial business loans 224,158 29,619 3,154 6,827 — — 263,758 Total loans receivable, gross $ 1,383,350 $ 105,981 $ 11,631 $ 18,456 $ — $ — $ 1,519,418 December 31, 2019 Special Pass Watch Mention Substandard Doubtful Loss REAL ESTATE LOANS (1 - 5) (6) (7) (8) (9) (10) Total Commercial $ 203,703 $ 2,274 $ 3,686 $ 1,086 $ — $ — $ 210,749 Construction and development 177,109 2,545 — — — — 179,654 Home equity 37,942 — 35 190 — — 38,167 One-to-four-family 259,580 635 60 1,264 — — 261,539 Multi-family 127,792 6,139 — — — — 133,931 Total real estate loans 806,126 11,593 3,781 2,540 — — 824,040 CONSUMER LOANS Indirect home improvement 254,223 — — 468 — — 254,691 Marine 67,179 — — — — — 67,179 Other consumer 4,315 — — 25 — — 4,340 Total consumer loans 325,717 — — 493 — — 326,210 COMMERCIAL BUSINESS LOANS Commercial and industrial 125,025 10,435 1,442 3,629 — — 140,531 Warehouse lending 61,112 — — — — — 61,112 Total commercial business loans 186,137 10,435 1,442 3,629 — — 201,643 Total loans receivable, gross $ 1,317,980 $ 22,028 $ 5,223 $ 6,662 $ — $ — $ 1,351,893

Servicing Rights (Tables)

Servicing Rights (Tables)	9 Months Ended
Servicing Rights (Tables)	Sep. 30, 2020
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Summary of servicing rights activity	At or For the Three Months Ended September 30, 2020 2019 Beginning balance $ 10,672 $ 10,849 Additions 3,233 2,577 Servicing rights amortized (2,087) (2,102) Impairment of servicing rights (82) (131) Ending balance $ 11,736 $ 11,193 At or For the Nine Months Ended September 30, 2020 2019 Beginning balance $ 11,560 $ 10,429 Additions 7,634 4,636 Servicing rights amortized (6,059) (3,594) Impairment of servicing rights (1,399) (278) Ending balance $ 11,736 $ 11,193
Key economic assumptions and the sensitivity of the current fair value for single family mortgage servicing rights	September 30, 2020 December 31, 2019 Aggregate portfolio principal balance (1) $ 1,854,472 $ 1,463,732 Weighted average rate of note 3.7 % 4.2 % At September 30, 2020 Base 0.5% Adverse Rate Change 1.0% Adverse Rate Change Conditional prepayment rate 28.6 % 36.2 % 40.1 % Fair value MSR $ 11,960 $ 10,055 $ 9,291 Percentage of MSR 0.6 % 0.5 % 0.5 % Discount rate 9.1 % 9.6 % 10.1 % Fair value MSR $ 11,960 $ 11,817 $ 11,678 Percentage of MSR 0.6 % 0.6 % 0.6 % At December 31, 2019 Base 0.5% Adverse Rate Change 1.0% Adverse Rate Change Conditional prepayment rate 17.1 % 24.6 % 32.5 % Fair value MSR $ 13,255 $ 10,582 $ 8,674 Percentage of MSR 0.9 % 0.7 % 0.6 % Discount rate 9.7 % 10.2 % 10.7 % Fair value MSR $ 13,255 $ 13,037 $ 12,826 Percentage of MSR 0.9 % 0.9 % 0.9 %
Mortgage servicing rights
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Valuation assumptions	At September 30, At December 31, Key assumptions: 2020 2019 Weighted average discount rate 9.1 % 9.7 % Conditional prepayment rate (“CPR”) 28.6 % 17.1 % Weighted average life in years 3.4 5.1

Derivatives (Tables)

Derivatives (Tables)	9 Months Ended
Derivatives (Tables)	Sep. 30, 2020
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Instruments	September 30, 2020 Fair Value Cash flow hedges: Notional Asset Liability Interest rate swaps $ 90,000 $ 1,401 $ — Non-hedging derivatives: Fallout adjusted interest rate lock commitments with customers 219,266 6,186 — Mandatory and best effort forward commitments with investors 72,966 — 762 Forward TBA mortgage-backed securities 303,000 — 713 December 31, 2019 Fair Value Non-hedging derivatives: Notional Asset Liability Fallout adjusted interest rate lock commitments with customers $ 33,914 $ 557 $ — Mandatory and best effort forward commitments with investors 43,752 — 195 Forward TBA mortgage-backed securities 46,000 — 8

Leases (Tables)

Leases (Tables)	9 Months Ended
Leases (Tables)	Sep. 30, 2020
Leases [Abstract]
Summary of lease cost	Three Months Ended Three Months Ended Lease cost: September 30, 2020 September 30, 2019 Operating lease cost $ 339 $ 326 Short-term lease cost 1 29 Total lease cost $ 340 $ 355 Nine Months Ended Nine Months Ended Lease cost: September 30, 2020 September 30, 2019 Operating lease cost $ 1,038 $ 942 Short-term lease cost 10 113 Total lease cost $ 1,048 $ 1,055
Supplemental information related to operating leases	At or For the At or For the Cash paid for amounts included in the Three Months Ended Three Months Ended measurement of lease liabilities: September 30, 2020 September 30, 2019 Operating cash flows from operating leases $ 349 $ 319 Weighted average remaining lease term- operating leases 5.5 years 5.5 years Weighted average discount rate- operating leases 2.48 % 3.10 % At or For the At or For the Cash paid for amounts included in the Nine Months Ended Nine Months Ended measurement of lease liabilities: September 30, 2020 September 30, 2019 Operating cash flows from operating leases $ 1,033 $ 1,002 Weighted average remaining lease term- operating leases 5.5 years 5.5 years Weighted average discount rate- operating leases 2.48 % 3.10 %
Summary of maturities of operating lease liabilities	Remainder of 2020 $ 339 2021 1,319 2022 1,222 2023 839 2024 787 Thereafter 1,427 Total lease payments 5,933 Less imputed interest (465) Total $ 5,468

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	9 Months Ended
Other Real Estate Owned (Tables)	Sep. 30, 2020
Banking and Thrift [Abstract]
Schedule of Other Real Estate Owned	At or For the Three Months Ended At or For the Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Beginning balance $ 90 $ 254 $ 168 $ 689 Additions — — — 164 Gross proceeds from sale of OREO — (116) (76) (800) Gain (loss) on sale of OREO — 40 (2) 125 Ending balance $ 90 $ 178 $ 90 $ 178

Deposits (Tables)

Deposits (Tables)	9 Months Ended
Deposits (Tables)	Sep. 30, 2020
Banking and Thrift [Abstract]
Schedule of Deposit Liabilities	September 30, December 31, 2020 2019 Noninterest-bearing checking $ 338,781 $ 260,131 Interest-bearing checking 229,576 177,972 Savings 144,886 118,845 Money market 377,585 270,489 Certificates of deposit less than $100,000 285,650 277,988 Certificates of deposit of $100,000 through $250,000 150,437 181,402 Certificates of deposit of $250,000 and over 68,242 92,110 Escrow accounts related to mortgages serviced 18,062 13,471 Total $ 1,613,219 $ 1,392,408
Schedule of Maturities of Time Deposits for Future Periods	At September 30, 2020 Maturing in 2020 $ 155,713 Maturing in 2021 229,901 Maturing in 2022 79,140 Maturing in 2023 17,746 Maturing in 2024 17,628 Thereafter 4,201 Total $ 504,329
Schedule of Interest Expense by Deposit Category	Three Months Ended Nine Months Ended September 30, September 30, 2020 2019 2020 2019 Interest-bearing checking $ 86 $ 474 $ 299 $ 1,056 Savings and money market 464 777 1,932 2,282 Certificates of deposit 2,087 2,972 7,439 8,651 Total $ 2,637 $ 4,223 $ 9,670 $ 11,989

Commitments and Contingencies (

Commitments and Contingencies (Tables)	9 Months Ended
Commitments and Contingencies (Tables)	Sep. 30, 2020
Commitments and Contingencies Disclosure [Abstract]
Schedule of Commitments to Extend Credit	COMMITMENTS TO EXTEND CREDIT September 30, December 31, REAL ESTATE LOANS 2020 2019 Commercial $ 1,353 $ 247 Construction and development 143,642 95,031 One-to-four-family (includes locks for salable loans) 233,858 39,697 Home equity 50,124 47,880 Multi-family 649 622 Total real estate loans 429,626 183,477 CONSUMER LOANS 23,063 22,176 COMMERCIAL BUSINESS LOANS Commercial and industrial 113,188 72,731 Warehouse lending 45,518 33,888 Total commercial business loans 158,706 106,619 Total commitments to extend credit $ 611,395 $ 312,272

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
Fair Value Measurements (Tables)	Sep. 30, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Schedule Of Available For Sale Securities Measured At Fair Value On A Recurring Basis	Financial Assets At September 30, 2020 Securities available-for-sale: Level 1 Level 2 Level 3 Total U.S. agency securities $ — $ 4,140 $ — $ 4,140 Corporate securities — 14,587 980 15,567 Municipal bonds — 61,548 129 61,677 Mortgage-backed securities — 72,442 — 72,442 U.S. Small Business Administration securities — 19,275 — 19,275 Mortgage loans held for sale, at fair value — 215,123 — 215,123 Derivatives: Interest rate lock commitments with customers — — 6,186 6,186 Total assets measured at fair value $ — $ 387,115 $ 7,295 $ 394,410 Financial Liabilities Derivatives: Mandatory and best effort forward commitments with investors $ — $ — $ (762) $ (762) Forward TBA mortgage-backed securities — (713) — (713) Interest rate swaps — (1,401) — (1,401) Total liabilities measured at fair value $ — $ (2,114) $ (762) $ (2,876) Financial Assets At December 31, 2019 Securities available-for-sale: Level 1 Level 2 Level 3 Total U.S. agency securities $ — $ 9,066 $ — $ 9,066 Corporate securities — 9,546 1,024 10,570 Municipal bonds — 20,982 138 21,120 Mortgage-backed securities — 62,850 — 62,850 U.S. Small Business Administration securities — 22,451 — 22,451 Mortgage loans held for sale, at fair value — 69,699 — 69,699 Derivatives: Interest rate lock commitments with customers — — 557 557 Total assets measured at fair value $ — $ 194,594 $ 1,719 $ 196,313 Financial Liabilities Derivatives: Mandatory and best effort forward commitments with investors $ — $ — $ (195) $ (195) Forward TBA mortgage-backed securities — (8) — (8) Total liabilities measured at fair value $ — $ (8) $ (195) $ (203)
Schedule of impaired loans and other real estate owned	September 30, 2020 Level 1 Level 2 Level 3 Total Impaired loans $ — $ — $ 7,561 $ 7,561 OREO — — 90 90 Servicing rights — — 11,960 11,960 December 31, 2019 Level 1 Level 2 Level 3 Total Impaired loans $ — $ — $ 3,128 $ 3,128 OREO — — 168 168 Servicing rights — — 13,255 13,255
Fair value reconciliation - Level 3 on recurring basis	Purchases Net change in Net change in Three Months Ended Beginning and Sales and Ending fair value for fair value for September 30, 2020 Balance Issuances Settlements Balance gains/(losses) (1) gains/(losses) (2) Interest rate lock commitments with customers $ 4,722 $ 18,863 $ (17,399) $ 6,186 $ 1,464 $ — Individual forward sale commitments with investors (144) (1,591) 973 (762) (618) — Securities available-for-sale, at fair value 1,163 — (54) 1,109 — (51) September 30, 2019 Interest rate lock commitments with customers $ 1,047 $ 3,557 $ (3,607) $ 997 $ (50) $ — Individual forward sale commitments with investors — (178) 159 (19) (19) — Purchases Net change in Net change in Nine Months Ended Beginning and Sales and Ending fair value for fair value for September 30, 2020 Balance Issuances Settlements Balance gains/(losses) (1) gains/(losses) (2) Interest rate lock commitments with customers $ 557 $ 38,966 $ (33,337) $ 6,186 $ 5,629 $ — Individual forward sale commitments with investors (195) (3,211) 2,644 (762) (567) — Securities available-for-sale, at fair value 1,162 — (53) 1,109 — (44) September 30, 2019 Interest rate lock commitments with customers $ 503 $ 8,652 $ (8,158) $ 997 $ 494 $ — Individual forward sale commitments with investors (34) (765) 780 (19) 15 — _______________________________ (1) Relating to items held at end of period included in income. (2) Relating to items held at end of period included in other comprehensive income.
Fair Value, by Balance Sheet Grouping	September 30, December 31, 2020 2019 Financial Assets Carrying Fair Carrying Fair Level 1 inputs: Amount Value Amount Value Cash and cash equivalents $ 36,073 $ 36,073 $ 45,778 $ 45,778 Certificates of deposit at other financial institutions 14,262 14,262 20,902 20,902 Level 2 inputs: Securities available-for-sale, at fair value 171,992 171,992 124,895 124,895 Securities held-to-maturity 5,500 5,538 — — Loans held for sale, at fair value 215,123 215,123 69,699 69,699 FHLB stock, at cost 6,553 6,553 8,045 8,045 Accrued interest receivable 6,809 6,809 5,908 5,908 Level 3 inputs: Securities available-for-sale, at fair value 1,109 1,109 1,162 1,162 Loans receivable, gross 1,519,418 1,527,083 1,351,893 1,377,408 Servicing rights, held at lower of cost or fair value 11,736 11,960 11,560 13,255 Fair value interest rate locks with customers 6,186 6,186 557 557 Financial Liabilities Level 2 inputs: Deposits 1,613,219 1,619,100 1,392,408 1,385,658 Borrowings 173,640 175,891 84,864 85,268 Subordinated note 9,900 10,599 9,885 10,599 Accrued interest payable 339 339 273 273 Interest rate swaps 1,401 1,401 — — Forward TBA mortgage-backed securities 713 713 8 8 Level 3 inputs: Mandatory and best effort forward commitments with investors 762 762 195 195
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Valuation assumptions	Level 3 Significant Weighted Average Fair Value Valuation Unobservable September 30, December 31, Instruments Techniques Inputs Range 2020 2019 RECURRING Interest rate lock commitments with customers Quoted market prices Pull-through expectations 80% - 99% 89.2 % 94.5 % Individual forward sale commitments with investors Quoted market prices Pull-through expectations 80% - 99% 89.2 % 94.5 % Corporate securities Discounted cash flows Discount rate 2.5% 2.5 % 2.1 % Municipal bonds Discounted cash flows Discount rate 2.2% 2.2 % 3.4 % NONRECURRING Impaired loans Fair value of underlying collateral Discount applied to the obtained appraisal 10.0% 10.0 % 10.0 % OREO Fair value of collateral Discount applied to the obtained appraisal 10.0% 10.0 % 10.0 % Servicing rights Industry sources Pre-payment speeds 0% - 50% 28.6 % 17.1 %

Employee Benefits (Tables)

Employee Benefits (Tables)	9 Months Ended
Employee Benefits (Tables)	Sep. 30, 2020
Compensation and Retirement Disclosure [Abstract]
Schedule of Shares Under ESOP	Balances Balances at September 30, 2020 at September 30, 2019 Allocated shares 189,511 176,809 Committed to be released shares 19,441 19,441 Unallocated shares 32,401 58,322 Total ESOP shares 241,353 254,572 Fair value of unallocated shares (in thousands) $ 1,260 $ 2,912

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
Earnings Per Share (Tables)	Sep. 30, 2020
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted	At or For the Three Months Ended September 30, At or For the Nine Months Ended September 30, Numerator (in thousands): 2020 2019 2020 2019 Net income $ 12,713 $ 7,144 $ 27,900 $ 16,799 Dividends and undistributed earnings allocated to participating securities (73) (28) (69) (26) Net income available to common shareholders $ 12,640 $ 7,116 $ 27,831 $ 16,773 Denominator (shown as actual): Basic weighted average common shares outstanding 4,224,821 4,401,303 4,285,955 4,411,439 Dilutive shares 70,513 97,077 77,333 110,852 Diluted weighted average common shares outstanding 4,295,334 4,498,380 4,363,288 4,522,291 Basic earnings per share $ 2.99 $ 1.62 $ 6.49 $ 3.80 Diluted earnings per share $ 2.94 $ 1.58 $ 6.38 $ 3.71 Potentially dilutive weighted average share options that were not included in the computation of diluted earnings per share because to do so would be anti-dilutive 102,187 44,905 75,530 42,399

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	9 Months Ended
Stock-Based Compensation (Tables)	Sep. 30, 2020
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary of Stock Option Awards	Weighted-Average Weighted- Remaining Average Contractual Term In Aggregate Shares Exercise Price Years Intrinsic Value Outstanding at January 1, 2020 287,990 $ 36.98 6.77 $ 7,722,369 Granted 62,285 $ 42.70 6.45 — Less exercised 14,398 $ 16.89 — $ 453,674 Forfeited or expired — — — — Outstanding at September 30, 2020 335,877 $ 38.90 6.81 $ 2,964,011 Expected to vest, assuming a 0.31% annual forfeiture rate (1) 334,709 $ 38.86 6.81 $ 2,964,011 Exercisable at September 30, 2020 174,988 $ 28.62 4.90 $ 2,964,011 __________________________ (1) Forfeiture rate has been calculated and estimated to assume a forfeiture of 3.1% of the options forfeited over 10 years.
Summary of Nonvested Awards	Weighted-Average Grant-Date Fair Value Nonvested Shares Shares Per Share Nonvested at January 1, 2020 40,215 $ 53.64 Granted 24,880 $ 42.70 Less vested 10,003 $ 53.67 Forfeited or expired — — Nonvested at September 30, 2020 55,092 $ 48.70

Business Segments (Tables)

Business Segments (Tables)	9 Months Ended
Business Segments (Tables)	Sep. 30, 2020
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment	At or For the Three Months Ended September 30, 2020 Condensed income statement: Home Lending Commercial and Consumer Banking Total Net interest income (1) $ 1,085 $ 17,833 $ 18,918 Provision for loan losses (960) (2,140) (3,100) Noninterest income 15,078 2,468 17,546 Noninterest expense (4,117) (13,062) (17,179) Income before provision for income taxes 11,086 5,099 16,185 Provision for income taxes (2,372) (1,100) (3,472) Net income $ 8,714 $ 3,999 $ 12,713 Total average assets for period ended $ 445,927 $ 1,568,582 $ 2,014,509 FTEs 137 336 473 At or For the Three Months Ended September 30, 2019 Condensed income statement: Home Lending Commercial and Consumer Banking Total Net interest income (1) $ 2,897 $ 14,838 $ 17,735 Provision for loan losses 3 (576) (573) Noninterest income 3,971 2,773 6,744 Noninterest expense (3,504) (11,218) (14,722) Income before provision for income taxes 3,367 5,817 9,184 Provision for income taxes (740) (1,300) (2,040) Net income $ 2,627 $ 4,517 $ 7,144 Total average assets for period ended $ 286,689 $ 1,366,527 $ 1,653,216 FTEs 121 307 428 At or For the Nine Months Ended September 30, 2020 Condensed income statement: Home Lending Commercial and Consumer Banking Total Net interest income (1) $ 3,470 $ 50,781 $ 54,251 Provision for loan losses (2,016) (9,419) (11,435) Noninterest income 32,312 8,256 40,568 Noninterest expense (12,348) (35,637) (47,985) Income before provision for income taxes 21,418 13,981 35,399 Provision for income taxes (4,537) (2,962) (7,499) Net income $ 16,881 $ 11,019 $ 27,900 Total average assets for year ended $ 383,363 $ 1,512,515 $ 1,895,878 FTEs 137 336 473 At or For the Nine Months Ended September 30, 2019 Condensed income statement: Home Lending Commercial and Consumer Banking Total Net interest income (1) $ 5,109 $ 47,849 $ 52,958 Provision for loan losses (360) (1,873) (2,233) Noninterest income 9,901 7,481 17,382 Noninterest expense (10,752) (35,838) (46,590) Income before provision for income taxes 3,898 17,619 21,517 Provision for income taxes (855) (3,863) (4,718) Net income $ 3,043 $ 13,756 $ 16,799 Total average assets for year ended $ 259,964 $ 1,372,097 $ 1,632,061 FTEs 121 307 428 __________________________ (1) Net interest income is the difference between interest earned on assets and the cost of liabilities to fund those assets. Interest earned includes actual interest earned on segment assets and, if the segment has excess liabilities, interest credits for providing funding to the other segment. The cost of liabilities includes interest expense on segment liabilities and, if the segment does not have enough liabilities to fund its assets, a funding charge based on the cost of assigned liabilities to fund segment assets.

Goodwill and other Intangible_2

Goodwill and other Intangible Assets (Tables)	9 Months Ended
Goodwill and other Intangible Assets (Tables)	Sep. 30, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of changes in other intangible assets	Other Intangible Assets Accumulated Gross CDI Amortization Net CDI Balance, December 31, 2018 $ 7,490 $ (1,273) $ 6,217 Amortization — (760) (760) Balance, December 31, 2019 7,490 (2,033) 5,457 Amortization — (529) (529) Balance, September 30, 2020 $ 7,490 $ (2,562) $ 4,928
Schedule of Amortization Expense	Remainder of 2020 $ 177 2021 691 2022 691 2023 691 2024 621 Thereafter 2,057 Total $ 4,928

Revenue From Contracts With C_2

Revenue From Contracts With Customers (Tables)	9 Months Ended
Revenue From Contracts With Customers (Tables)	Sep. 30, 2020
Revenue from Contract with Customer [Abstract]
Schedule of noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606	(Dollars in thousands): At or For the Three Months Ended September 30, At or For the Nine Months Ended September 30, Noninterest income 2020 2019 2020 2019 In-scope of Topic 606: Debit card interchange fees $ 504 $ 491 $ 1,382 $ 1,383 Deposit service and account maintenance fees 172 233 583 784 Noninterest income (in-scope of Topic 606) 676 724 1,965 2,167 Noninterest income (out-of-scope of Topic 606) 16,870 6,020 38,603 15,215 Total noninterest income $ 17,546 $ 6,744 $ 40,568 $ 17,382

Basis of Presentation and Sum_3

Basis of Presentation and Summary of Significant Accounting Policies (Details)	9 Months Ended
	Sep. 30, 2020USD ($)segmentitemOffice	Jan. 22, 2016item
Schedule of Accounting Policies [Line Items]
Number of operating segments \| segment	2
Puget Sound [Member]
Schedule of Accounting Policies [Line Items]
Number of bank branches \| item	21
Number of administrative offices that accept deposits \| Office	1
Number of loan production offices \| item	7
Tri-Cities, Washington [Member]
Schedule of Accounting Policies [Line Items]
Number of loan production offices \| item	1
Bank of America
Schedule of Accounting Policies [Line Items]
Number of bank branches \| item		4
Commercial Real Estate
Schedule of Accounting Policies [Line Items]
Loans restructured or modified	$ 22,400,000
Commercial Real Estate \| FHA Guidelines COVID 19 [Member]
Schedule of Accounting Policies [Line Items]
Loans restructured or modified	23,800,000
COMMERCIAL BUSINESS LOANS.
Schedule of Accounting Policies [Line Items]
Loans restructured or modified	9,000,000
COMMERCIAL BUSINESS LOANS. \| FHA Guidelines COVID 19 [Member]
Schedule of Accounting Policies [Line Items]
Loans restructured or modified	7,600,000
One-to-four-family
Schedule of Accounting Policies [Line Items]
Loans restructured or modified	3,300,000
One-to-four-family \| FHA Guidelines COVID 19 [Member]
Schedule of Accounting Policies [Line Items]
Loans restructured or modified	3,300,000
CONSUMER LOANS.
Schedule of Accounting Policies [Line Items]
Loans restructured or modified	280,000
CONSUMER LOANS. \| FHA Guidelines COVID 19 [Member]
Schedule of Accounting Policies [Line Items]
Loans restructured or modified	$ 280,000

Investments - Available-for-sal

Investments - Available-for-sale securities reconciliation (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
SECURITIES AVAILABLE-FOR-SALE
Amortized cost	$ 167,515	$ 125,053
Unrealized gains	6,166	1,347
Unrealized losses	(580)	(343)
Securities available-for-sale, at fair value	173,101	126,057
SECURITIES HELD-TO-MATURITY
Amortized cost	5,500	0
Unrealized gains	44
Unrealized losses	(6)
Securities held-to-maturity, at fair value	5,538
Total securities
Amortized cost	173,015
Unrealized gains	6,210
Unrealized losses	(586)
Total securities, at fair value	178,639	126,057
U.S. agency securities
SECURITIES AVAILABLE-FOR-SALE
Amortized cost	3,982	8,986
Unrealized gains	158	95
Unrealized losses		(15)
Securities available-for-sale, at fair value	4,140	9,066
Corporate securities
SECURITIES AVAILABLE-FOR-SALE
Amortized cost	15,877	10,525
Unrealized gains	68	52
Unrealized losses	(378)	(7)
Securities available-for-sale, at fair value	15,567	10,570
SECURITIES HELD-TO-MATURITY
Amortized cost	5,500
Unrealized gains	44
Unrealized losses	(6)
Securities held-to-maturity, at fair value	5,538
Municipal bonds
SECURITIES AVAILABLE-FOR-SALE
Amortized cost	59,477	20,516
Unrealized gains	2,310	604
Unrealized losses	(110)
Securities available-for-sale, at fair value	61,677	21,120
Mortgage-backed securities
SECURITIES AVAILABLE-FOR-SALE
Amortized cost	69,505	62,745
Unrealized gains	3,022	405
Unrealized losses	(85)	(300)
Securities available-for-sale, at fair value	72,442	62,850
U.S. Small Business Administration securities
SECURITIES AVAILABLE-FOR-SALE
Amortized cost	18,674	22,281
Unrealized gains	608	191
Unrealized losses	(7)	(21)
Securities available-for-sale, at fair value	$ 19,275	$ 22,451

Investments - Narrative (Detail

Investments - Narrative (Details)	9 Months Ended	12 Months Ended
Investments - Narrative (Details)	Sep. 30, 2020USD ($)security	Dec. 31, 2019USD ($)security
Investments, Debt and Equity Securities [Abstract]
Investments with unrealized losses of less than one year \| security	14	13
Investments with unrealized losses of more than one year \| security	1	10
Number of securities pledged and held at FHLB \| security	7	7
Pledged securities for FHLB	$ 8,900,000	$ 7,400,000
Public deposits	9,900,000	10,300,000
Collateral requirement	3,800,000	4,000,000
Other than temporary impairment losses, investments	$ 0	$ 0

Investments - Investments with

Investments - Investments with Unrealized Losses Policy (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Fair Value
Securities available-for-sale, Unrealized loss position, Fair Value, Less than 12 Months	$ 21,766	$ 21,710
Securities available-for-sale, Unrealized loss position, Fair Value, 12 Months or Longer	3,012	11,459
Securities available-for-sale, Unrealized loss position, Fair Value	24,778	33,169
Securities held-to-maturity, Unrealized loss position, Fair Value, Less than 12 Months	1,994
Securities held-to-maturity, Unrealized loss position, Fair Value, 12 Months or Longer	0
Securities held-to-maturity, Unrealized loss position, Fair Value	1,994
Total securities, Unrealized loss position, Fair Value, Less than 12 Months	23,760
Total securities, Unrealized loss position, Fair Value, 12 Months or Longer	3,012
Total securities, Unrealized loss position, Fair Value	26,772
Unrealized Losses
Securities available-for-sale, Unrealized loss position, Unrealized losses, Less than 12 Months	(568)	(197)
Securities available-for-sale, Unrealized loss position, Unrealized losses, 12 Months or Longer	(12)	(146)
Securities available-for-sale, Unrealized losses	(580)	(343)
Securities held-to-maturity, Unrealized loss position, Unrealized losses, Less than 12 Months	(6)
Securities held-to-maturity, Unrealized loss position, Unrealized losses, 12 Months or Longer	0
Securities held-to-maturity, Unrealized losses	(6)
Total securities, Unrealized loss position, Unrealized losses, Less than 12 Months	(574)
Total securities, Unrealized loss position, Unrealized losses, 12 Months or Longer	(12)
Total securities, Unrealized losses	(586)
U.S. agency securities
Fair Value
Securities available-for-sale, Unrealized loss position, Fair Value, Less than 12 Months		2,977
Securities available-for-sale, Unrealized loss position, Fair Value, 12 Months or Longer		0
Securities available-for-sale, Unrealized loss position, Fair Value		2,977
Unrealized Losses
Securities available-for-sale, Unrealized loss position, Unrealized losses, Less than 12 Months		(15)
Securities available-for-sale, Unrealized loss position, Unrealized losses, 12 Months or Longer		0
Securities available-for-sale, Unrealized losses		(15)
Corporate securities
Fair Value
Securities available-for-sale, Unrealized loss position, Fair Value, Less than 12 Months	5,620	1,993
Securities available-for-sale, Unrealized loss position, Fair Value, 12 Months or Longer	0	0
Securities available-for-sale, Unrealized loss position, Fair Value	5,620	1,993
Securities held-to-maturity, Unrealized loss position, Fair Value, Less than 12 Months	1,994
Securities held-to-maturity, Unrealized loss position, Fair Value, 12 Months or Longer	0
Securities held-to-maturity, Unrealized loss position, Fair Value	1,994
Unrealized Losses
Securities available-for-sale, Unrealized loss position, Unrealized losses, Less than 12 Months	(378)	(7)
Securities available-for-sale, Unrealized loss position, Unrealized losses, 12 Months or Longer	0	0
Securities available-for-sale, Unrealized losses	(378)	(7)
Securities held-to-maturity, Unrealized loss position, Unrealized losses, Less than 12 Months	(6)
Securities held-to-maturity, Unrealized loss position, Unrealized losses, 12 Months or Longer	0
Securities held-to-maturity, Unrealized losses	(6)
Municipal bonds
Fair Value
Securities available-for-sale, Unrealized loss position, Fair Value, Less than 12 Months	7,505
Securities available-for-sale, Unrealized loss position, Fair Value, 12 Months or Longer	0
Securities available-for-sale, Unrealized loss position, Fair Value	7,505
Unrealized Losses
Securities available-for-sale, Unrealized loss position, Unrealized losses, Less than 12 Months	(110)
Securities available-for-sale, Unrealized loss position, Unrealized losses, 12 Months or Longer	0
Securities available-for-sale, Unrealized losses	(110)
Mortgage-backed securities
Fair Value
Securities available-for-sale, Unrealized loss position, Fair Value, Less than 12 Months	6,343	12,345
Securities available-for-sale, Unrealized loss position, Fair Value, 12 Months or Longer	3,012	11,459
Securities available-for-sale, Unrealized loss position, Fair Value	9,355	23,804
Unrealized Losses
Securities available-for-sale, Unrealized loss position, Unrealized losses, Less than 12 Months	(73)	(154)
Securities available-for-sale, Unrealized loss position, Unrealized losses, 12 Months or Longer	(12)	(146)
Securities available-for-sale, Unrealized losses	(85)	(300)
U.S. Small Business Administration securities
Fair Value
Securities available-for-sale, Unrealized loss position, Fair Value, Less than 12 Months	2,298	4,395
Securities available-for-sale, Unrealized loss position, Fair Value, 12 Months or Longer	0	0
Securities available-for-sale, Unrealized loss position, Fair Value	2,298	4,395
Unrealized Losses
Securities available-for-sale, Unrealized loss position, Unrealized losses, Less than 12 Months	(7)	(21)
Securities available-for-sale, Unrealized loss position, Unrealized losses, 12 Months or Longer	0	0
Securities available-for-sale, Unrealized losses	$ (7)	$ (21)

Investments - Available for Sal

Investments - Available for Sale Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Amortized Cost
Securities available-for-sale, Total	$ 167,515	$ 125,053
Securities held-to-maturity, Total	5,500	0
Total securities	173,015	125,053
Fair Value
Securities available-for-sale, Total	173,101	126,057
Securities held-to-maturity, Total	5,538	0
Total securities	178,639	126,057
U.S. agency securities
Amortized Cost
Securities available-for-sale, Due after one year through five years	982	996
Securities available-for-sale, Due after five years through ten years	1,000	3,997
Securities available-for-sale, Due after ten years	2,000	3,993
Securities available-for-sale, Subtotal	3,982	8,986
Securities available-for-sale, Total	3,982	8,986
Fair Value
Securities available-for-sale, Due after one year through five years	1,068	1,036
Securities available-for-sale, Due after five years through ten years	1,039	4,027
Securities available-for-sale, Due after ten years	2,033	4,003
Securities available-for-sale, Subtotal	4,140	9,066
Securities available-for-sale, Total	4,140	9,066
Corporate securities
Amortized Cost
Securities available-for-sale, Due in one year or less	4,002	5,034
Securities available-for-sale, Due after one year through five years	5,875	3,491
Securities available-for-sale, Due after five years through ten years	4,000	2,000
Securities available-for-sale, Due after ten years	2,000	0
Securities available-for-sale, Subtotal	15,877	10,525
Securities available-for-sale, Total	15,877	10,525
Securities held-to-maturity, Due after five years through ten years	4,000	0
Securities held-to-maturity, Due after ten years	1,500	0
Fair Value
Securities available-for-sale, Due in one year or less	4,013	5,044
Securities available-for-sale, Due after one year through five years	5,913	3,532
Securities available-for-sale, Due after five years through ten years	3,641	1,994
Securities available-for-sale, Due after ten years	2,000	0
Securities available-for-sale, Subtotal	15,567	10,570
Securities available-for-sale, Total	15,567	10,570
Securities held-to-maturity, Due after five years through ten years	4,003	0
Securities held-to-maturity, Due after ten years	1,535	0
Municipal bonds
Amortized Cost
Securities available-for-sale, Due in one year or less	102	0
Securities available-for-sale, Due after one year through five years	3,755	3,774
Securities available-for-sale, Due after five years through ten years	7,239	3,162
Securities available-for-sale, Due after ten years	48,381	13,580
Securities available-for-sale, Subtotal	59,477	20,516
Securities available-for-sale, Total	59,477	20,516
Fair Value
Securities available-for-sale, Due in one year or less	102	0
Securities available-for-sale, Due after one year through five years	4,001	3,833
Securities available-for-sale, Due after five years through ten years	7,576	3,307
Securities available-for-sale, Due after ten years	49,998	13,980
Securities available-for-sale, Subtotal	61,677	21,120
Securities available-for-sale, Total	61,677	21,120
Mortgage-backed securities
Amortized Cost
Securities available-for-sale, Mortgage-backed securities	69,505	62,745
Securities available-for-sale, Total	69,505	62,745
Fair Value
Securities available-for-sale, Mortgage-backed securities	72,442	62,850
Securities available-for-sale, Total	72,442	62,850
Federal National Mortgage Association ("FNMA")
Amortized Cost
Securities available-for-sale, Mortgage-backed securities	47,670	42,131
Fair Value
Securities available-for-sale, Mortgage-backed securities	50,279	42,333
Federal Home Loan Mortgage Corporation ("FHLMC")
Amortized Cost
Securities available-for-sale, Mortgage-backed securities	14,641	15,250
Fair Value
Securities available-for-sale, Mortgage-backed securities	14,838	15,179
Government National Mortgage Association ("GNMA")
Amortized Cost
Securities available-for-sale, Mortgage-backed securities	7,194	5,364
Fair Value
Securities available-for-sale, Mortgage-backed securities	7,325	5,338
U.S. Small Business Administration securities
Amortized Cost
Securities available-for-sale, Due after one year through five years	2,267	1,546
Securities available-for-sale, Due after five years through ten years	8,177	11,500
Securities available-for-sale, Due after ten years	8,230	9,235
Securities available-for-sale, Subtotal	18,674	22,281
Securities available-for-sale, Total	18,674	22,281
Fair Value
Securities available-for-sale, Due after one year through five years	2,348	1,555
Securities available-for-sale, Due after five years through ten years	8,447	11,598
Securities available-for-sale, Due after ten years	8,480	9,298
Securities available-for-sale, Subtotal	19,275	22,451
Securities available-for-sale, Total	$ 19,275	$ 22,451

Investments - Gains and Losses

Investments - Gains and Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Investments, Debt and Equity Securities [Abstract]
Proceeds	$ 3,041	$ 0	$ 12,214	$ 10,554
Gross Gains	119	0	300	91
Gross Losses	$ 0	$ 0	$ 0	$ (59)

Loans Receivable and Allowanc_3

Loans Receivable and Allowance For Loan Losses - Composition of Loan Portfolio (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	$ 1,519,418	$ 1,351,893	$ 1,326,195
Allowance for loan losses	(24,799)	(13,229)
Deferred costs and fees, net	(4,240)	(3,273)
Premiums on purchased loans, net	1,124	955
Total loans receivable, net	1,491,503	1,336,346
REAL ESTATE LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	890,852	824,040	818,985
Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	227,354	210,749
Construction and development
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	191,933	179,654
Home equity.
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	40,459	38,167
One-to-four-family
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	300,863	261,539
Multi-family
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	130,243	133,931
CONSUMER LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	364,808	326,210	317,934
Indirect home improvement
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	276,693	254,691
Marine
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	84,650	67,179
Other consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	3,465	4,340
COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	263,758	201,643	$ 189,276
Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	224,276	140,531
Warehouse lending
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	39,482	61,112
REAL ESTATE LOANS \| REAL ESTATE LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	890,852	824,040
REAL ESTATE LOANS \| Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	227,354	210,749
REAL ESTATE LOANS \| Construction and development
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	191,933	179,654
REAL ESTATE LOANS \| Home equity.
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	40,459	38,167
REAL ESTATE LOANS \| One-to-four-family
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	300,863	261,539
REAL ESTATE LOANS \| Multi-family
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	130,243	133,931
CONSUMER LOANS \| CONSUMER LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	364,808	326,210
CONSUMER LOANS \| Indirect home improvement
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	276,693	254,691
CONSUMER LOANS \| Marine
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	84,650	67,179
CONSUMER LOANS \| Other consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	3,465	4,340
COMMERCIAL BUSINESS LOANS \| COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	263,758	201,643
COMMERCIAL BUSINESS LOANS \| Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	224,276	140,531
COMMERCIAL BUSINESS LOANS \| Warehouse lending
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable, gross	$ 39,482	$ 61,112

Loans Receivable and Allowanc_4

Loans Receivable and Allowance For Loan Losses - Narrative (Details) $ in Millions	9 Months Ended	12 Months Ended
	Sep. 30, 2020USD ($)divisionsegmentitem	Dec. 31, 2019USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loan portfolio segments \| segment	3
Number of warehouse lending divisions \| division	2
Loans that qualify as collateral for FHLB advances	$ 780.6	$ 646.1
Loans that qualify as collateral for Federal Reserve Bank lines of credit	$ 355.8	$ 318.8
Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of units in real estate property \| item	5
Paycheck Protection Program Facility [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
PPP Loans Collateralized	$ 74.1

Loans Receivable and Allowanc_5

Loans Receivable and Allowance For Loan Losses - Allowance for Loan Losses by Loan Categories (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
ALLOWANCE FOR LOAN LOSSES
Beginning balance	$ 21,524	$ 12,340	$ 13,229	$ 12,349
Provision (recapture) for loan losses	3,100	573	11,435	2,233
Charge-offs	(207)	(280)	(891)	(2,330)
Recoveries	382	132	1,026	513
Net recoveries (charge-offs)	175	(148)	135	(1,817)
Ending balance	24,799	12,765	24,799	12,765
Period End Amount Allocated to
Loans individually evaluated for impairment	1,346	184	1,346	184
Loans collectively evaluated for impairment	23,453	12,581	23,453	12,581
Ending balance	24,799	12,765	24,799	12,765
LOANS RECEIVABLE
Loans individually evaluated for impairment	7,561	1,407	7,561	1,407
Loans collectively evaluated for impairment	1,511,857	1,324,788	1,511,857	1,324,788
Total loans receivable	1,519,418	1,326,195	1,519,418	1,326,195	$ 1,351,893
REAL ESTATE LOANS.
ALLOWANCE FOR LOAN LOSSES
Beginning balance	11,912	5,780	6,206	5,761
Provision (recapture) for loan losses	907	247	6,595	266
Charge-offs		(5)		(5)
Recoveries		11	18	11
Net recoveries (charge-offs)		6	18	6
Ending balance	12,819	6,033	12,819	6,033
Period End Amount Allocated to
Loans individually evaluated for impairment	15		15
Loans collectively evaluated for impairment	12,804	6,033	12,804	6,033
Ending balance	12,819	6,033	12,819	6,033
LOANS RECEIVABLE
Loans individually evaluated for impairment	2,456	882	2,456	882
Loans collectively evaluated for impairment	888,396	818,103	888,396	818,103
Total loans receivable	890,852	818,985	890,852	818,985	824,040
CONSUMER LOANS.
ALLOWANCE FOR LOAN LOSSES
Beginning balance	5,132	3,575	3,766	3,351
Provision (recapture) for loan losses	1,891	262	3,606	571
Charge-offs	(196)	(275)	(869)	(741)
Recoveries	254	121	578	502
Net recoveries (charge-offs)	58	(154)	(291)	(239)
Ending balance	7,081	3,683	7,081	3,683
Period End Amount Allocated to
Loans individually evaluated for impairment	274	184	274	184
Loans collectively evaluated for impairment	6,807	3,499	6,807	3,499
Ending balance	7,081	3,683	7,081	3,683
LOANS RECEIVABLE
Loans individually evaluated for impairment	781	525	781	525
Loans collectively evaluated for impairment	364,027	317,409	364,027	317,409
Total loans receivable	364,808	317,934	364,808	317,934	326,210
COMMERCIAL BUSINESS LOANS.
ALLOWANCE FOR LOAN LOSSES
Beginning balance	4,248	2,718	3,254	3,191
Provision (recapture) for loan losses	335	321	1,038	1,432
Charge-offs	(11)		(22)	(1,584)
Recoveries	128		430
Net recoveries (charge-offs)	117		408	(1,584)
Ending balance	4,700	3,039	4,700	3,039
Period End Amount Allocated to
Loans individually evaluated for impairment	1,057		1,057
Loans collectively evaluated for impairment	3,643	3,039	3,643	3,039
Ending balance	4,700	3,039	4,700	3,039
LOANS RECEIVABLE
Loans individually evaluated for impairment	4,324		4,324
Loans collectively evaluated for impairment	259,434	189,276	259,434	189,276
Total loans receivable	263,758	189,276	263,758	189,276	$ 201,643
Unallocated Financing Receivables [Member]
ALLOWANCE FOR LOAN LOSSES
Beginning balance	232	267	3	46
Provision (recapture) for loan losses	(33)	(257)	196	(36)
Ending balance	199	10	199	10
Period End Amount Allocated to
Loans collectively evaluated for impairment	199	10	199	10
Ending balance	$ 199	$ 10	$ 199	$ 10

Loans Receivable and Allowanc_6

Loans Receivable and Allowance For Loan Losses - Aging Analysis of Past Due Loans) (Details)	9 Months Ended	12 Months Ended
	Sep. 30, 2020USD ($)loan	Dec. 31, 2019USD ($)loan	Sep. 30, 2019USD ($)
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 3,301,000	$ 4,159,000
Current	1,516,117,000	1,347,734,000
Total loans receivable	$ 1,519,418,000	$ 1,351,893,000	$ 1,326,195,000
Number of TDR loans	0	0
REAL ESTATE LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	$ 890,852,000	$ 824,040,000	818,985,000
REAL ESTATE LOANS. \| REAL ESTATE LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	890,852,000	824,040,000
Total real estate loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,854,000	2,985,000
Current	888,998,000	821,055,000
Total loans receivable	890,852,000	824,040,000
Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	549,000	0
Current	226,805,000	210,749,000
Total loans receivable	227,354,000	210,749,000
Loans restructured or modified	22,400,000
Commercial Real Estate \| REAL ESTATE LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	227,354,000	210,749,000
Construction and development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	533,000
Current	191,933,000	179,121,000
Total loans receivable	191,933,000	179,654,000
Construction and development \| REAL ESTATE LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	191,933,000	179,654,000
Home equity.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	219,000	294,000
Current	40,240,000	37,873,000
Total loans receivable	40,459,000	38,167,000
Home equity. \| REAL ESTATE LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	40,459,000	38,167,000
One-to-four-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,086,000	2,158,000
Current	299,777,000	259,381,000
Total loans receivable	300,863,000	261,539,000
Loans restructured or modified	3,300,000
One-to-four-family \| REAL ESTATE LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	300,863,000	261,539,000
Multi-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	130,243,000	133,931,000
Total loans receivable	130,243,000	133,931,000
Multi-family \| REAL ESTATE LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	130,243,000	133,931,000
CONSUMER LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,447,000	1,174,000
Current	363,361,000	325,036,000
Total loans receivable	364,808,000	326,210,000	317,934,000
Loans restructured or modified	280,000
CONSUMER LOANS. \| CONSUMER LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	364,808,000	326,210,000
Indirect home improvement
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,298,000	1,066,000
Current	275,395,000	253,625,000
Total loans receivable	276,693,000	254,691,000
Indirect home improvement \| CONSUMER LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	276,693,000	254,691,000
Marine
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	64,000	15,000
Current	84,586,000	67,164,000
Total loans receivable	84,650,000	67,179,000
Marine \| CONSUMER LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	84,650,000	67,179,000
Other consumer loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	85,000	93,000
Current	3,380,000	4,247,000
Total loans receivable	3,465,000	4,340,000
Other consumer loans \| CONSUMER LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	3,465,000	4,340,000
COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	263,758,000	201,643,000
Total loans receivable	263,758,000	201,643,000	$ 189,276,000
Loans restructured or modified	9,000,000
COMMERCIAL BUSINESS LOANS. \| COMMERCIAL BUSINESS LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	263,758,000	201,643,000
Commercial and industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	224,276,000	140,531,000
Total loans receivable	224,276,000	140,531,000
Commercial and industrial \| COMMERCIAL BUSINESS LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	224,276,000	140,531,000
Warehouse lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Current	39,482,000	61,112,000
Total loans receivable	39,482,000	61,112,000
Warehouse lending \| COMMERCIAL BUSINESS LOANS
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans receivable	39,482,000	61,112,000
30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	689,000	2,314,000
30-59 Days Past Due \| Total real estate loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	1,536,000
30-59 Days Past Due \| Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
30-59 Days Past Due \| Construction and development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	533,000
30-59 Days Past Due \| Home equity.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	109,000
30-59 Days Past Due \| One-to-four-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	894,000
30-59 Days Past Due \| Multi-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
30-59 Days Past Due \| CONSUMER LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	689,000	778,000
30-59 Days Past Due \| Indirect home improvement
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	628,000	692,000
30-59 Days Past Due \| Marine
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	41,000	15,000
30-59 Days Past Due \| Other consumer loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	20,000	71,000
30-59 Days Past Due \| COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
30-59 Days Past Due \| Commercial and industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
30-59 Days Past Due \| Warehouse lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,285,000	343,000
60-89 Days Past Due \| Total real estate loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	902,000	114,000
60-89 Days Past Due \| Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	549,000	0
60-89 Days Past Due \| Construction and development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
60-89 Days Past Due \| Home equity.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
60-89 Days Past Due \| One-to-four-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	353,000	114,000
60-89 Days Past Due \| Multi-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
60-89 Days Past Due \| CONSUMER LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	383,000	229,000
60-89 Days Past Due \| Indirect home improvement
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	295,000	227,000
60-89 Days Past Due \| Marine
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	23,000	0
60-89 Days Past Due \| Other consumer loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	65,000	2,000
60-89 Days Past Due \| COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
60-89 Days Past Due \| Commercial and industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
60-89 Days Past Due \| Warehouse lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 1,327,000	$ 1,502,000
Number Of Loans Accruing Interest \| loan	0	0
90 Days or More Past Due \| Total real estate loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 952,000	$ 1,335,000
90 Days or More Past Due \| Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
90 Days or More Past Due \| Construction and development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
90 Days or More Past Due \| Home equity.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	219,000	185,000
90 Days or More Past Due \| One-to-four-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	733,000	1,150,000
90 Days or More Past Due \| Multi-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
90 Days or More Past Due \| CONSUMER LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	375,000	167,000
90 Days or More Past Due \| Indirect home improvement
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	375,000	147,000
90 Days or More Past Due \| Marine
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
90 Days or More Past Due \| Other consumer loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	20,000
90 Days or More Past Due \| COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
90 Days or More Past Due \| Commercial and industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
90 Days or More Past Due \| Warehouse lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Non-Accrual
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	7,561,000	3,033,000
Non-Accrual \| Total real estate loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,456,000	2,540,000
Non-Accrual \| Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,087,000	1,086,000
Non-Accrual \| Construction and development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Non-Accrual \| Home equity.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	636,000	190,000
Non-Accrual \| One-to-four-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	733,000	1,264,000
Non-Accrual \| Multi-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Non-Accrual \| CONSUMER LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	781,000	493,000
Non-Accrual \| Indirect home improvement
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	781,000	468,000
Non-Accrual \| Marine
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Non-Accrual \| Other consumer loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	25,000
Non-Accrual \| COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	4,324,000	0
Non-Accrual \| Commercial and industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	4,324,000	0
Non-Accrual \| Warehouse lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	$ 0
FHA Guidelines COVID 19 [Member] \| Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans restructured or modified	23,800,000
FHA Guidelines COVID 19 [Member] \| One-to-four-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans restructured or modified	3,300,000
FHA Guidelines COVID 19 [Member] \| CONSUMER LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans restructured or modified	280,000
FHA Guidelines COVID 19 [Member] \| COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans restructured or modified	$ 7,600,000

Loans Receivable and Allowanc_7

Loans Receivable and Allowance For Loan Losses - Financing Receivables, Related Allowance Recorded and No Related Allowance Recorder (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
Unpaid Principal Balance, with no related allowance recorded	$ 2,521		$ 2,521		$ 2,685
Unpaid Principal Balance, with an allowance recorded	5,166		5,166		537
Impaired Financing Receivable, Unpaid Principal Balance, Total	7,687		7,687		3,222
Impaired Financing Receivable, Recorded Investment [Abstract]
Recorded Investment, with no related allowance recorded	2,396		2,396		2,592
Recorded Investment, with an allowance recorded	5,165		5,165		536
Recorded Investment	7,561		7,561		3,128
Impaired Financing Receivable Related Allowance Abstract
Related Allowance, with no related allowance recorded	0		0		0
Related Allowance, with an allowance recorded	1,346		1,346		182
Related Allowance	1,346		1,346		182
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment, with no related allowance recorded	2,494	$ 1,529	2,555	$ 1,982
Average Recorded Investment, with an allowance recorded	5,093	531	2,636	605
Impaired Financing Receivable, Average Recorded Investment	7,587	2,060	5,191	2,587
Impaired Financing Receivable, Interest Income [Abstract]
Interest Income Recognized, with no related allowance recorded	35	25	80	43
Interest Income Recognized, with an allowance recorded	16	9	203	38
Interest Income Recognized	51	34	283	81
Commercial Real Estate
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
Unpaid Principal Balance, with no related allowance recorded	1,098		1,098		1,097
Impaired Financing Receivable, Recorded Investment [Abstract]
Recorded Investment, with no related allowance recorded	1,087		1,087		1,086
Impaired Financing Receivable Related Allowance Abstract
Related Allowance, with no related allowance recorded	0		0		0
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment, with no related allowance recorded	1,089	0	1,088	0
Impaired Financing Receivable, Interest Income [Abstract]
Interest Income Recognized, with no related allowance recorded	14	0	41	0
Home equity.
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
Unpaid Principal Balance, with no related allowance recorded	687		687		278
Impaired Financing Receivable, Recorded Investment [Abstract]
Recorded Investment, with no related allowance recorded	636		636		225
Impaired Financing Receivable Related Allowance Abstract
Related Allowance, with no related allowance recorded	0		0		0
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment, with no related allowance recorded	672	190	434	210
Impaired Financing Receivable, Interest Income [Abstract]
Interest Income Recognized, with no related allowance recorded	11	0	22	0
One-to-four-family
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
Unpaid Principal Balance, with no related allowance recorded	736		736		1,293
Unpaid Principal Balance, with an allowance recorded	61		61		61
Impaired Financing Receivable, Recorded Investment [Abstract]
Recorded Investment, with no related allowance recorded	673		673		1,264
Recorded Investment, with an allowance recorded	60		60		60
Impaired Financing Receivable Related Allowance Abstract
Related Allowance, with no related allowance recorded	0		0		0
Related Allowance, with an allowance recorded	15		15		15
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment, with no related allowance recorded	733	1,339	1,029	1,532
Average Recorded Investment, with an allowance recorded	60	0	60	0
Impaired Financing Receivable, Interest Income [Abstract]
Interest Income Recognized, with no related allowance recorded	10	25	17	43
Interest Income Recognized, with an allowance recorded	0	0	0	0
Indirect home improvement
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
Unpaid Principal Balance, with an allowance recorded	781		781		468
Impaired Financing Receivable, Recorded Investment [Abstract]
Recorded Investment, with an allowance recorded	781		781		468
Impaired Financing Receivable Related Allowance Abstract
Related Allowance, with an allowance recorded	274		274		164
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment, with an allowance recorded	723	488	624	452
Impaired Financing Receivable, Interest Income [Abstract]
Interest Income Recognized, with an allowance recorded	16	9	40	29
Marine
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment, with an allowance recorded	0	34	42	17
Impaired Financing Receivable, Interest Income [Abstract]
Interest Income Recognized, with an allowance recorded	0	0	1	1
Other consumer loans
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
Unpaid Principal Balance, with no related allowance recorded					17
Unpaid Principal Balance, with an allowance recorded					8
Impaired Financing Receivable, Recorded Investment [Abstract]
Recorded Investment, with no related allowance recorded					17
Recorded Investment, with an allowance recorded					8
Impaired Financing Receivable Related Allowance Abstract
Related Allowance, with no related allowance recorded					0
Related Allowance, with an allowance recorded					$ 3
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment, with no related allowance recorded			4	0
Average Recorded Investment, with an allowance recorded	0	9	0	8
Impaired Financing Receivable, Interest Income [Abstract]
Interest Income Recognized, with no related allowance recorded			0	0
Interest Income Recognized, with an allowance recorded	0	0	0	1
Commercial and industrial
Impaired Financing Receivable, Unpaid Principal Balance [Abstract]
Unpaid Principal Balance, with an allowance recorded	4,324		4,324
Impaired Financing Receivable, Recorded Investment [Abstract]
Recorded Investment, with an allowance recorded	4,324		4,324
Impaired Financing Receivable Related Allowance Abstract
Related Allowance, with an allowance recorded	1,057		1,057
Impaired Financing Receivable, Average Recorded Investment [Abstract]
Average Recorded Investment, with no related allowance recorded			0	240
Average Recorded Investment, with an allowance recorded	4,310	0	1,910	128
Impaired Financing Receivable, Interest Income [Abstract]
Interest Income Recognized, with no related allowance recorded			0	0
Interest Income Recognized, with an allowance recorded	$ 0	$ 0	$ 162	$ 7

Loans Receivable and Allowanc_8

Loans Receivable and Allowance For Loan Losses - Loans by Credit Quality Indicator (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019	Sep. 30, 2019
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 1,519,418	$ 1,351,893	$ 1,326,195
REAL ESTATE LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	890,852	824,040	818,985
Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Total loans	227,354	210,749
Construction and development
Financing Receivable, Recorded Investment [Line Items]
Total loans	191,933	179,654
Home equity.
Financing Receivable, Recorded Investment [Line Items]
Total loans	40,459	38,167
One-to-four-family
Financing Receivable, Recorded Investment [Line Items]
Total loans	300,863	261,539
Multi-family
Financing Receivable, Recorded Investment [Line Items]
Total loans	130,243	133,931
CONSUMER LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	364,808	326,210	317,934
Indirect home improvement
Financing Receivable, Recorded Investment [Line Items]
Total loans	276,693	254,691
Marine
Financing Receivable, Recorded Investment [Line Items]
Total loans	84,650	67,179
Other consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans	3,465	4,340
COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	263,758	201,643	$ 189,276
Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Total loans	224,276	140,531
Warehouse lending
Financing Receivable, Recorded Investment [Line Items]
Total loans	39,482	61,112
Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,383,350	1,317,980
Pass \| REAL ESTATE LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	795,165	806,126
Pass \| Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Total loans	144,013	203,703
Pass \| Construction and development
Financing Receivable, Recorded Investment [Line Items]
Total loans	187,815	177,109
Pass \| Home equity.
Financing Receivable, Recorded Investment [Line Items]
Total loans	39,823	37,942
Pass \| One-to-four-family
Financing Receivable, Recorded Investment [Line Items]
Total loans	293,271	259,580
Pass \| Multi-family
Financing Receivable, Recorded Investment [Line Items]
Total loans	130,243	127,792
Pass \| CONSUMER LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	364,027	325,717
Pass \| Indirect home improvement
Financing Receivable, Recorded Investment [Line Items]
Total loans	275,912	254,223
Pass \| Marine
Financing Receivable, Recorded Investment [Line Items]
Total loans	84,650	67,179
Pass \| Other consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans	3,465	4,315
Pass \| COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	224,158	186,137
Pass \| Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Total loans	184,676	125,025
Pass \| Warehouse lending
Financing Receivable, Recorded Investment [Line Items]
Total loans	39,482	61,112
Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans	105,981	22,028
Watch \| REAL ESTATE LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	76,362	11,593
Watch \| Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Total loans	73,931	2,274
Watch \| Construction and development
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,268	2,545
Watch \| Home equity.
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Watch \| One-to-four-family
Financing Receivable, Recorded Investment [Line Items]
Total loans	163	635
Watch \| Multi-family
Financing Receivable, Recorded Investment [Line Items]
Total loans		6,139
Watch \| CONSUMER LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Watch \| Indirect home improvement
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Watch \| Marine
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Watch \| Other consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Watch \| COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	29,619	10,435
Watch \| Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Total loans	29,619	10,435
Watch \| Warehouse lending
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans	11,631	5,223
Special Mention \| REAL ESTATE LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	8,477	3,781
Special Mention \| Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Total loans	6,440	3,686
Special Mention \| Construction and development
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,850	0
Special Mention \| Home equity.
Financing Receivable, Recorded Investment [Line Items]
Total loans		35
Special Mention \| One-to-four-family
Financing Receivable, Recorded Investment [Line Items]
Total loans	187	60
Special Mention \| Multi-family
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Special Mention \| CONSUMER LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Special Mention \| Indirect home improvement
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Special Mention \| Marine
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Special Mention \| Other consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Special Mention \| COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	3,154	1,442
Special Mention \| Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Total loans	3,154	1,442
Special Mention \| Warehouse lending
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans	18,456	6,662
Substandard \| REAL ESTATE LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	10,848	2,540
Substandard \| Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,970	1,086
Substandard \| Construction and development
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Substandard \| Home equity.
Financing Receivable, Recorded Investment [Line Items]
Total loans	636	190
Substandard \| One-to-four-family
Financing Receivable, Recorded Investment [Line Items]
Total loans	7,242	1,264
Substandard \| Multi-family
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Substandard \| CONSUMER LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	781	493
Substandard \| Indirect home improvement
Financing Receivable, Recorded Investment [Line Items]
Total loans	781	468
Substandard \| Marine
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Substandard \| Other consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans		25
Substandard \| COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans	6,827	3,629
Substandard \| Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 6,827	3,629
Substandard \| Warehouse lending
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| REAL ESTATE LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| Construction and development
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| Home equity.
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| One-to-four-family
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| Multi-family
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| CONSUMER LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| Indirect home improvement
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| Marine
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| Other consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Doubtful \| Warehouse lending
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| REAL ESTATE LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| Commercial Real Estate
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| Construction and development
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| Home equity.
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| One-to-four-family
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| Multi-family
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| CONSUMER LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| Indirect home improvement
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| Marine
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| Other consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| COMMERCIAL BUSINESS LOANS.
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Total loans		0
Loss \| Warehouse lending
Financing Receivable, Recorded Investment [Line Items]
Total loans		$ 0

Servicing Rights - Narrative (D

Servicing Rights - Narrative (Details) - USD ($)	3 Months Ended		9 Months Ended
Servicing Rights - Narrative (Details) - USD ($)	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Off-balance Sheet Risks, Disclosure Information [Line Items]
Contractually specified servicing fees, late fees, and other ancillary fees	$ 1,100,000	$ 874,000	$ 3,100,000	$ 2,500,000
Mortgage servicing rights
Off-balance Sheet Risks, Disclosure Information [Line Items]
The unpaid principal balances of mortgage loans serviced	1,900,000,000		1,900,000,000		$ 1,460,000,000
Fair market value of servicing rights' assets	$ 12,000,000		$ 12,000,000		$ 13,300,000

Servicing Rights - Servicing Ri

Servicing Rights - Servicing Rights (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance	$ 10,672	$ 10,849	$ 11,560	$ 10,429
Additions	3,233	2,577	7,634	4,636
Servicing rights amortized	(2,087)	(2,102)	(6,059)	(3,594)
Impairment on servicing rights	(82)	(131)	(1,399)	(278)
Ending balance	$ 11,736	$ 11,193	$ 11,736	$ 11,193

Servicing Rights - Valuation As

Servicing Rights - Valuation Assumptions (Details) - Mortgage servicing rights	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Off-balance Sheet Risks, Disclosure Information [Line Items]
Weighted average discount rate	9.10%	9.70%
Conditional prepayment rate ("CPR")	28.60%	17.10%
Weighted average life in years	3 years 4 months 24 days	5 years 1 month 6 days

Servicing Rights - Changes in V

Servicing Rights - Changes in Valuation Assumptions (Details) - Mortgage servicing rights - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Off-balance Sheet Risks, Disclosure Information [Line Items]
Aggregate portfolio principal balance	$ 1,854,472	$ 1,463,732
Weighted average rate of note	3.70%	4.20%
Conditional prepayment rate	28.60%	17.10%
Conditional prepayment rate, 0.5% Adverse Change	36.20%	24.60%
Conditional prepayment rate, 1.0% Adverse Change	40.10%	32.50%
Fair value MSR	$ 11,960	$ 13,255
Fair value MSR, 0.5% Adverse Change	10,055	10,582
Fair value of MSR, 1.0% Adverse Change	$ 9,291	$ 8,674
Percentage of MSR	0.60%	0.90%
Percentage of MSR, 0.5% Adverse Change	0.50%	0.70%
Percentage of MSR, 1.0% Adverse Change	0.50%	0.60%
Discount rate	9.10%	9.70%
Discount rate, 0.5% Adverse Change	9.60%	10.20%
Discount rate, 1.0% Adverse Change	10.10%	10.70%
Fair value MSR, 0.5% Adverse Change	$ 11,817	$ 13,037
Fair value MSR, 1.0% Adverse Change	$ 11,678	$ 12,826
Percentage of MSR, 0.5% Adverse Change	0.60%	0.90%
Percentage of MSR, 1.0% Adverse Change	0.60%	0.90%

Derivatives (Details)

Derivatives (Details)	3 Months Ended		9 Months Ended
Derivatives (Details)	Sep. 30, 2020USD ($)security	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)security	Sep. 30, 2019USD ($)	Dec. 31, 2019USD ($)
Derivative [Line Items]
Unrealized Gain (Loss) on Interest Rate Cash Flow Hedges, Pretax, Accumulated Other Comprehensive Income (Loss)			$ 1,100,000
Reclassifiction to interest expense related to cash flow hedges	$ 98,000		84,000
Reclassifiction to interest expense related to cash flow hedges over next 12 months	463,000		463,000
Derivative instruments, gain (loss) on sale of loans	$ 2,800,000	$ 619,000	$ 8,800,000	$ 911,000
Asset pledged as collateral
Derivative [Line Items]
Number of securities pledged \| security	3		3
Carrying value of assets pledged	$ 4,300,000		$ 4,300,000
Cash Flow Hedges
Derivative [Line Items]
Cash flow hedges					$ 0
Designated as Hedging Instrument \| Interest rate swaps \| Cash Flow Hedges
Derivative [Line Items]
Notional	90,000,000		90,000,000
Asset	1,401,000		1,401,000
Liability	0		0
Not Designated as Hedging Instrument \| Interest rate lock commitments with customers
Derivative [Line Items]
Notional	219,266,000		219,266,000		33,914,000
Asset	6,186,000		6,186,000		557,000
Liability	0		0		0
Not Designated as Hedging Instrument \| Mortgage-backed securities
Derivative [Line Items]
Notional	303,000,000		303,000,000		46,000,000
Asset	0		0		0
Liability	713,000		713,000		8,000
Margin collateral	5,100,000		5,100,000		1,200,000
Not Designated as Hedging Instrument \| Mandatory and best effort forward commitments with investors
Derivative [Line Items]
Notional	72,966,000		72,966,000		43,752,000
Asset	0		0		0
Liability	$ 762,000		$ 762,000		$ 195,000

Leases (Details)

Leases (Details)	9 Months Ended
Leases (Details)	Sep. 30, 2020
Lessee, Lease, Description [Line Items]
Options to extend	true
Renewal term	5 years
Minimum
Lessee, Lease, Description [Line Items]
Remaining lease terms	8 months
Maximum
Lessee, Lease, Description [Line Items]
Remaining lease terms	9 years 9 months

Leases - Components of lease co

Leases - Components of lease cost (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Lease cost:
Operating lease cost	$ 339	$ 326	$ 1,038	$ 942
Short-term lease cost	1	29	10	113
Total lease cost	340	355	1,048	1,055
Operating cash flows from operating leases	$ 349	$ 319	$ 1,033	$ 1,002
Weighted average remaining lease term- operating leases	5 years 6 months	5 years 6 months	5 years 6 months	5 years 6 months
Weighted average discount rate- operating leases	2.48%	3.10%	2.48%	3.10%

Leases - Maturities of operatin

Leases - Maturities of operating lease liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Maturities of operating lease liabilities
Remainder of 2020	$ 339
2021	1,319
2022	1,222
2023	839
2024	787
Thereafter	1,427
Total lease payments	5,933
Less imputed interest	(465)
Operating lease liabilities	$ 5,468	$ 5,214

Other Real Estate Owned - Activ

Other Real Estate Owned - Activity related to OREO (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Other Real Estate [Roll Forward]
Beginning balance	$ 90	$ 254	$ 168	$ 689
Additions				164
Gross proceeds from sale of OREO		(116)	(76)	(800)
(Loss) gain on sale of OREO		40	(2)	125
Ending balance	$ 90	$ 178	$ 90	$ 178

Other Real Estate Owned - Narra

Other Real Estate Owned - Narrative (Details)	3 Months Ended		9 Months Ended
Other Real Estate Owned - Narrative (Details)	Sep. 30, 2020USD ($)property	Sep. 30, 2019USD ($)property	Sep. 30, 2020USD ($)property	Sep. 30, 2019USD ($)property
Banking and Thrift [Abstract]
OREO properties	$ 90,000	$ 178,000	$ 90,000	$ 178,000
Number of other real estate owned properties \| property	1	2	1	2
Holding costs	$ 0	$ 1,000	$ 2,000	$ 12,000
Mortgage loans in process of foreclosure	$ 662,000		$ 662,000

Deposits - Deposit Liabilities

Deposits - Deposit Liabilities (Details) - USD ($)	Sep. 30, 2020	Dec. 31, 2019
Banking and Thrift [Abstract]
Noninterest-bearing checking	$ 338,781,000	$ 260,131,000
Interest-bearing checking	229,576,000	177,972,000
Savings	144,886,000	118,845,000
Money market	377,585,000	270,489,000
Certificates of deposit less than $100,000	285,650,000	277,988,000
Certificates of deposit of $100,000 through $250,000	150,437,000	181,402,000
Certificates of deposit of $250,000 and over	68,242,000	92,110,000
Escrow accounts related to mortgages serviced	18,062,000	13,471,000
Total deposits	1,613,219,000	1,392,408,000
Federal Reserve Bank required deposit reserves	$ 0	$ 0

Deposits - Maturities of Time D

Deposits - Maturities of Time Deposits for Future Periods (Details) $ in Thousands	Sep. 30, 2020USD ($)
Banking and Thrift [Abstract]
Maturing in 2020	$ 155,713
Maturing in 2021	229,901
Maturing in 2022	79,140
Maturing in 2023	17,746
Maturing in 2024	17,628
Thereafter	4,201
Total	$ 504,329

Deposits - Interest Expense by

Deposits - Interest Expense by Deposit Category (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Banking and Thrift [Abstract]
Interest-bearing checking	$ 86	$ 474	$ 299	$ 1,056
Savings and money market	464	777	1,932	2,282
Certificates of deposit	2,087	2,972	7,439	8,651
Total	$ 2,637	$ 4,223	$ 9,670	$ 11,989

Commitments and Contingencies -

Commitments and Contingencies - Commitment (Details) - Commitments to Extend Credit - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments	$ 611,395	$ 312,272
REAL ESTATE LOANS.
Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments	429,626	183,477
Commercial Real Estate
Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments	1,353	247
Construction and development
Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments	143,642	95,031
One-to-four-family
Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments	233,858	39,697
Home equity.
Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments	50,124	47,880
Commercial/Multi-family
Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments	649	622
CONSUMER LOANS.
Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments	23,063	22,176
COMMERCIAL BUSINESS LOANS.
Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments	158,706	106,619
Commercial and industrial
Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments	113,188	72,731
Warehouse lending
Off-balance Sheet Risks, Disclosure Information [Line Items]
Commitments	$ 45,518	$ 33,888

Commitments and Contingencies_2

Commitments and Contingencies - Narrative (Details)	9 Months Ended
Commitments and Contingencies - Narrative (Details)	Sep. 30, 2020USD ($)action	Dec. 31, 2019USD ($)
Loss Contingencies [Line Items]
Amount of loans sold to FHLB	$ 36,700,000
Federal Home Loan Bank, First Loss Account Established	938,000
Bank recourse obligation	$ 811,000
Bank recourse obligation, percentage of loans outstanding	2.20%
Reserve as a percentage of outstanding CE	10.00%
Reserve for loans sold	$ 272,000
Outstanding Delinquencies On Loans Sold to Federal Home Loan Bank	$ 498,000	$ 0
Change of control agreement, executive payment, period following change in control (in months)	12 months
Pending material legal actions \| action	0
CEO
Loss Contingencies [Line Items]
Severance agreement, period of base compensation disbursed as lump sum payment (in months)	24 months
Maximum
Loss Contingencies [Line Items]
Change of control agreement, executive payment, period prior to change in control (in months)	6 months
Change of control agreement, period of base compensation disbursed as lump sum payment (in months)	12 months
Minimum
Loss Contingencies [Line Items]
Change of control agreement, notice required to cancel agreement (in months)	24 months
Commitments to Extend Credit
Loss Contingencies [Line Items]
Reserve for estimated losses	$ 407,000	293,000
Guarantee on loans sold
Loss Contingencies [Line Items]
Reserve for estimated losses	$ 1,800,000	$ 1,200,000

Fair Value Measurements - Avail

Fair Value Measurements - Available for Sale Securities Measured at Fair Value on a Recurring Basis (Details) - Fair Value, Measurements, Recurring - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	$ 394,410	$ 196,313
Total liabilities measured at fair value	(2,876)	(203)
Securities available-for-sale. \| U.S. agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	4,140	9,066
Securities available-for-sale. \| Corporate securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	15,567	10,570
Securities available-for-sale. \| Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	61,677	21,120
Securities available-for-sale. \| Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	72,442	62,850
Securities available-for-sale. \| U.S. Small Business Administration securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	19,275	22,451
Securities available-for-sale. \| Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	215,123	69,699
Derivative \| Interest rate lock commitments with customers
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	6,186	557
Derivative \| Interest rate swaps
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value	(1,401)
Derivative \| Mandatory and best effort forward commitments with investors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value	(762)	(195)
Derivative \| Forward TBA mortgage backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value	(713)	(8)
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Total liabilities measured at fair value	0	0
Level 1 \| Securities available-for-sale. \| U.S. agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Level 1 \| Securities available-for-sale. \| Corporate securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Level 1 \| Securities available-for-sale. \| Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Level 1 \| Securities available-for-sale. \| Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Level 1 \| Securities available-for-sale. \| U.S. Small Business Administration securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Level 1 \| Securities available-for-sale. \| Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Level 1 \| Derivative \| Interest rate lock commitments with customers
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Level 1 \| Derivative \| Interest rate swaps
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value	0
Level 1 \| Derivative \| Mandatory and best effort forward commitments with investors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value	0	0
Level 1 \| Derivative \| Forward TBA mortgage backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	387,115	194,594
Total liabilities measured at fair value	(2,114)	(8)
Level 2 \| Securities available-for-sale. \| U.S. agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	4,140	9,066
Level 2 \| Securities available-for-sale. \| Corporate securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	14,587	9,546
Level 2 \| Securities available-for-sale. \| Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	61,548	20,982
Level 2 \| Securities available-for-sale. \| Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	72,442	62,850
Level 2 \| Securities available-for-sale. \| U.S. Small Business Administration securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	19,275	22,451
Level 2 \| Securities available-for-sale. \| Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	215,123	69,699
Level 2 \| Derivative \| Interest rate lock commitments with customers
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Level 2 \| Derivative \| Interest rate swaps
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value	(1,401)
Level 2 \| Derivative \| Mandatory and best effort forward commitments with investors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value	0	0
Level 2 \| Derivative \| Forward TBA mortgage backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value	(713)	(8)
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	7,295	1,719
Total liabilities measured at fair value	(762)	(195)
Level 3 \| Securities available-for-sale. \| U.S. agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Level 3 \| Securities available-for-sale. \| Corporate securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	980	1,024
Level 3 \| Securities available-for-sale. \| Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	129	138
Level 3 \| Securities available-for-sale. \| Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Level 3 \| Securities available-for-sale. \| U.S. Small Business Administration securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Level 3 \| Securities available-for-sale. \| Mortgage loans held for sale
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	0	0
Level 3 \| Derivative \| Interest rate lock commitments with customers
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets measured at fair value	6,186	557
Level 3 \| Derivative \| Interest rate swaps
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value	0
Level 3 \| Derivative \| Mandatory and best effort forward commitments with investors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value	(762)	(195)
Level 3 \| Derivative \| Forward TBA mortgage backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total liabilities measured at fair value	$ 0	$ 0

Fair Value Measurements - Impai

Fair Value Measurements - Impaired Loans and OREO (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO	$ 90	$ 168
Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans	7,561	3,128
OREO	90	168
Servicing Rights	11,960	13,255
Fair Value, Measurements, Nonrecurring \| Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans	0	0
OREO	0	0
Servicing Rights	0	0
Fair Value, Measurements, Nonrecurring \| Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans	0	0
OREO	0	0
Servicing Rights	0	0
Fair Value, Measurements, Nonrecurring \| Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired Loans	7,561	3,128
OREO	90	168
Servicing Rights	$ 11,960	$ 13,255

Fair Value Measurements - Disco

Fair Value Measurements - Discount Rate (Details) - item	Sep. 30, 2020	Dec. 31, 2019
Fair Value, Measurements, Recurring \| Interest rate lock commitments with customers
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Measurement Input [Extensible List]	fsbw:MeasurementInputPullThroughExpectationsMember
Debt Securities, Available-for-sale, Valuation Technique [Extensible List]	fsbw:QuotedMarketPricesMember
Fair Value, Measurements, Recurring \| Individual forward commitments with investors
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Measurement Input [Extensible List]	fsbw:MeasurementInputPullThroughExpectationsMember
Debt Securities, Available-for-sale, Valuation Technique [Extensible List]	fsbw:QuotedMarketPricesMember
Fair Value, Measurements, Recurring \| Corporate securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Measurement Input [Extensible List]	us-gaap:MeasurementInputDiscountRateMember
Debt Securities, Available-for-sale, Valuation Technique [Extensible List]	us-gaap:ValuationTechniqueDiscountedCashFlowMember
Fair Value, Measurements, Recurring \| Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Measurement Input [Extensible List]	us-gaap:MeasurementInputDiscountRateMember
Debt Securities, Available-for-sale, Valuation Technique [Extensible List]	us-gaap:ValuationTechniqueDiscountedCashFlowMember
Fair Value, Measurements, Nonrecurring \| Impaired Loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Measurement Input [Extensible List]	fsbw:MeasurementInputDiscountAppliedToObtainedAppraisalMember
Debt Securities, Available-for-sale, Valuation Technique [Extensible List]	fsbw:MeasurementInputPullThroughExpectationsMember
Fair Value, Measurements, Nonrecurring \| Other Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Measurement Input [Extensible List]	fsbw:MeasurementInputDiscountAppliedToObtainedAppraisalMember
Debt Securities, Available-for-sale, Valuation Technique [Extensible List]	fsbw:FairValueOfCollateralMember
Fair Value, Measurements, Nonrecurring \| Servicing rights
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt Securities, Available-for-sale, Measurement Input [Extensible List]	fsbw:PrepaymentSpeedsMember
Debt Securities, Available-for-sale, Valuation Technique [Extensible List]	fsbw:IndustrySourcesMember
Level 3 \| Fair Value, Measurements, Recurring \| Interest rate lock commitments with customers \| Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.80	0.80
Level 3 \| Fair Value, Measurements, Recurring \| Interest rate lock commitments with customers \| Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.99	0.99
Level 3 \| Fair Value, Measurements, Recurring \| Interest rate lock commitments with customers \| Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.892	0.945
Level 3 \| Fair Value, Measurements, Recurring \| Individual forward commitments with investors \| Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.80	0.80
Level 3 \| Fair Value, Measurements, Recurring \| Individual forward commitments with investors \| Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.99	0.99
Level 3 \| Fair Value, Measurements, Recurring \| Individual forward commitments with investors \| Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.892	0.945
Level 3 \| Fair Value, Measurements, Recurring \| Corporate securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.025	0.025
Level 3 \| Fair Value, Measurements, Recurring \| Corporate securities \| Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.025	0.021
Level 3 \| Fair Value, Measurements, Recurring \| Municipal bonds \| Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.022	0.022
Level 3 \| Fair Value, Measurements, Recurring \| Municipal bonds \| Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.022	0.034
Level 3 \| Fair Value, Measurements, Nonrecurring \| Impaired Loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.100	0.100
Level 3 \| Fair Value, Measurements, Nonrecurring \| Impaired Loans \| Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.100	0.100
Level 3 \| Fair Value, Measurements, Nonrecurring \| Other Real Estate Owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.100	0.100
Level 3 \| Fair Value, Measurements, Nonrecurring \| Other Real Estate Owned \| Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.100	0.100
Level 3 \| Fair Value, Measurements, Nonrecurring \| Servicing rights \| Minimum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0	0
Level 3 \| Fair Value, Measurements, Nonrecurring \| Servicing rights \| Maximum
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.50	0.50
Level 3 \| Fair Value, Measurements, Nonrecurring \| Servicing rights \| Weighted Average
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Measurement inputs (as a percent)	0.286	0.171

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Level 3 on recurring basis (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest rate lock commitments with customers
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	$ 4,722	$ 1,047	$ 557	$ 503
Purchases and Issuances	18,863	3,557	38,966	8,652
Sales and Settlements	(17,399)	(3,607)	(33,337)	(8,158)
Ending Balance	6,186	997	6,186	997
Net change in fair value for gains/(losses) relating to items held at end of period included in income	1,464	(50)	5,629	494
Individual forward commitments with investors
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	(144)		(195)	(34)
Purchases and Issuances	(1,591)	(178)	(3,211)	(765)
Sales and Settlements	973	159	2,644	780
Ending Balance	(762)	(19)	(762)	(19)
Net change in fair value for gains/(losses) relating to items held at end of period included in income	(618)	$ (19)	(567)	$ 15
Securities available-for-sale.
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning Balance	1,163		1,162
Sales and Settlements	(54)		(53)
Ending Balance	1,109		1,109
Net change in fair value for gains/(losses) relating to items held at end of period included in other comprehensive	$ (51)		$ (44)

Fair Value Measurements - Fai_2

Fair Value Measurements - Fair Value By Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financial Assets
Certificates of deposit at other financial institutions	$ 14,262	$ 20,902
Securities available-for-sale, at fair value	173,101	126,057
Securities held-to-maturity	5,500	0
Carrying Amount \| Level 1
Financial Assets
Cash and cash equivalents	36,073	45,778
Certificates of deposit at other financial institutions	14,262	20,902
Carrying Amount \| Level 2
Financial Assets
Securities available-for-sale, at fair value	171,992	124,895
Securities held-to-maturity	5,500
Loans held for sale, at fair value	215,123	69,699
FHLB stock, at cost	6,553	8,045
Accrued interest receivable	6,809	5,908
Financial Liabilities
Deposits	1,613,219	1,392,408
Borrowings	173,640	84,864
Subordinated note, net	9,900	9,885
Accrued interest payable	339	273
Interest rate swaps	1,401
Forward TBA mortgage-backed securities	713	8
Carrying Amount \| Level 3
Financial Assets
Securities available-for-sale, at fair value	1,109	1,162
Loans receivable, gross	1,519,418	1,351,893
Servicing rights, held at lower of cost or fair value	11,736	11,560
Fair value interest rate locks with customers	6,186	557
Financial Liabilities
Mandatory and best effort forward commitments with investors	762	195
Fair Value \| Level 1
Financial Assets
Cash and cash equivalents	36,073	45,778
Certificates of deposit at other financial institutions	14,262	20,902
Fair Value \| Level 2
Financial Assets
Securities available-for-sale, at fair value	171,992	124,895
Securities held-to-maturity	5,538
Loans held for sale, at fair value	215,123	69,699
FHLB stock, at cost	6,553	8,045
Accrued interest receivable	6,809	5,908
Financial Liabilities
Deposits	1,619,100	1,385,658
Borrowings	175,891	85,268
Subordinated note, net	10,599	10,599
Accrued interest payable	339	273
Interest rate swaps	1,401
Forward TBA mortgage-backed securities	713	8
Fair Value \| Level 3
Financial Assets
Securities available-for-sale, at fair value	1,109	1,162
Loans receivable, gross	1,527,083	1,377,408
Servicing rights, held at lower of cost or fair value	11,960	13,255
Fair value interest rate locks with customers	6,186	557
Financial Liabilities
Mandatory and best effort forward commitments with investors	$ 762	$ 195

Employee Benefits - Narrative (

Employee Benefits - Narrative (Details) - USD ($)	Jul. 09, 2012	Jan. 02, 2012	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Compensation and Retirement Disclosure [Abstract]
Number of hours of service required for participation in ESOP, per first 12 month period (in hours)		1000 hours
Vesting percentage after requisite service period is met (as a percent)		100.00%
Requisite service period (in years)		2 years
Employee stock ownership plan (ESOP), requisite service period (in hours)		1000 hours
Employee stock ownership plan (ESOP), debt structure, employer loan, amount	$ 2,600,000
Employee stock ownership plan shares purchased	259,210
Employee stock ownership plan (ESOP), weighted average purchase price of shares purchased (in dollars per share)	$ 10.17
Amortization period of ESOP loan	10 years
Employee stock ownership plan (ESOP), debt structure, employer loan, interest rate	2.30%
Employee stock ownership plan (ESOP), periodic installment payments from esop, amount paid							$ 275,000
Employee stock ownership plan (ESOP), interest payments from esop							$ 20,000
ESOP compensation expense for allocated shares			$ 251,000	$ 323,000	$ 756,000	$ 971,000

Employee Benefits - Schedule of

Employee Benefits - Schedule of Shares Under ESOP (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]
Allocated shares	189,511	176,809
Committed to be released shares	19,441	19,441
Unallocated shares	32,401	58,322
Total ESOP shares	241,353	254,572
Fair value of unallocated shares (in thousands)	$ 1,260	$ 2,912

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, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Numerator (in thousands):
Net Income	$ 12,713	$ 7,144	$ 27,900	$ 16,799
Dividends and undistributed earnings allocated to participating securities	(73)	(28)	(69)	(26)
Net income available to common shareholders	$ 12,640	$ 7,116	$ 27,831	$ 16,773
Denominator (shown as actual):
Basic weighted average common shares outstanding (in shares)	4,224,821	4,401,303	4,285,955	4,411,439
Dilutive shares (in shares)	70,513	97,077	77,333	110,852
Diluted weighted average common shares outstanding (in shares)	4,295,334	4,498,380	4,363,288	4,522,291
Basic earnings per share (in dollars per share)	$ 2.99	$ 1.62	$ 6.49	$ 3.80
Diluted earnings per share (in dollars per share)	$ 2.94	$ 1.58	$ 6.38	$ 3.71
Potentially dilutive weighted average share options that were not included in the computation of diluted earnings per share because to do so would be anti-dilutive	102,187	44,905	75,530	42,399

Stock-Based Compensation - Narr

Stock-Based Compensation - Narrative (Details) - USD ($)	Aug. 15, 2020	Sep. 30, 2013	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019	May 17, 2018	May 08, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award contractual life					10 years
2013 Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected forfeiture rate over contractual term					3.10%
2013 Equity Incentive Plan \| Equity option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)		324,013
Market value of stock (in dollars per share)									$ 16.89
Granted (in shares)		322,000
Shares available for grant			6,013		6,013
2013 Equity Incentive Plan \| Restricted stock awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)		129,605
Shares available for grant			2,013		2,013
Unrecognized compensation cost, nonvested awards			$ 2,600,000		$ 2,600,000
2018 Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation expense			$ 272,000		$ 719,000
2018 Equity Incentive Plan \| Equity option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant			274,060		274,060
Unrecognized compensation cost, nonvested awards			$ 1,600,000		$ 1,600,000
Remaining weighted-average vesting period					3 years 8 months 12 days
Shares	62,285
2018 Equity Incentive Plan \| Restricted stock awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)								163,000
Shares available for grant			92,905		92,905
Shares	24,880
2018 Equity Incentive Plan \| Equity option and restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)								650,000
Market value of stock (in dollars per share)	$ 42.70
2013 and 2018 Equity Incentive Plans
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation expense				$ 189,000		$ 641,000
Expected term in years							6 years 9 months 7 days
Remaining weighted-average vesting period					6 years 9 months 21 days
Total intrinsic value of options exercised					$ 453,674
2013 and 2018 Equity Incentive Plans \| Equity option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award contractual life					10 years
Expiration period					10 years
2013 and 2018 Equity Incentive Plans \| Equity option and restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)					62,285
One year vesting \| 2013 and 2018 Equity Incentive Plans \| Equity option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected term in years					5 years 6 months
One year vesting \| 2013 and 2018 Equity Incentive Plans \| Equity option \| Directors Excluding CEO
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period					1 year
Five year vesting \| 2013 and 2018 Equity Incentive Plans \| Equity option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Annual award vesting percentage					20.00%
Expected term in years					6 years 6 months
Five year vesting \| 2013 and 2018 Equity Incentive Plans \| Equity option \| Directors Excluding CEO
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period					5 years
Five year vesting \| 2013 and 2018 Equity Incentive Plans \| Equity option \| Officers And Employees
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period					5 years

Stock-Based Compensation - Stoc

Stock-Based Compensation - Stock Option Activity (Details)	9 Months Ended	12 Months Ended
Stock-Based Compensation - Stock Option Activity (Details)	Sep. 30, 2020USD ($)$ / sharesshares	Dec. 31, 2019USD ($)$ / sharesshares
Shares
Award contractual life	10 years
2013 Equity Incentive Plan
Shares
Annual forfeiture rate	0.31%
Expected forfeiture rate over contractual term	3.10%
2013 and 2018 Equity Incentive Plans
Shares
Outstanding, beginning balance (in shares) \| shares	287,990
Less exercised (in shares) \| shares	14,398
Outstanding, ending balance (in shares) \| shares	335,877	287,990
Expected to vest, assuming a 0.31% annual forfeiture rate (in shares) \| shares	334,709
Exercisable (in shares) \| shares	174,988
Weighted-Average Exercise Price
Outstanding, beginning balance (in dollars per share)	$ 36.98
Granted (in dollars per share)	42.70
Less exercised (in dollars per share)	16.89
Outstanding, ending balance (in dollars per share)	38.90	$ 36.98
Expected to vest, assuming a 0.31% annual forfeiture rate (in dollars per share)	38.86
Exercisable (in dollars per share)	$ 28.62
Weighted-Average Remaining Contractual Term In Years
Outstanding, beginning balance		6 years 9 months 7 days
Granted	6 years 5 months 12 days
Outstanding, ending balance	6 years 9 months 21 days
Expected to vest, assuming a 0.31% annual forfeiture rate, Weighted Average Remaining Contractual Term	6 years 9 months 21 days
Exercisable	4 years 10 months 24 days
Aggregate Intrinsic Value
Beginning balance \| $	$ 7,722,369
Less exercised \| $	453,674
Ending balance \| $	2,964,011	$ 7,722,369
Expected to vest, assuming a 0.31% annual forfeiture rate \| $	2,964,011
Exercisable \| $	$ 2,964,011

Stock-Based Compensation - Rest

Stock-Based Compensation - Restricted Stock Awards (Details) - Restricted stock awards	9 Months Ended
	Sep. 30, 2020$ / sharesshares
Shares
Nonvested, Beginning balance (in shares) \| shares	40,215
Granted (shares) \| shares	24,880
Less vested (in shares) \| shares	10,003
Forfeited or expired ( in shares) \| shares	0
Nonvested, Ending balance (in shares) \| shares	55,092
Weighted-Average Grant-Date Fair Value Per Share
Nonvested, Beginning balance (in dollars per share) \| $ / shares	$ 53.64
Granted (in dollars per share) \| $ / shares	42.70
Less vested (in dollars per share) \| $ / shares	53.67
Forfeited or expired (in dollars per share) \| $ / shares	0
Nonvested, Ending balance (in dollars per share) \| $ / shares	$ 48.70
2013 Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Remaining Contractual Terms	3 years 10 months 24 days
2013 Equity Incentive Plan \| Directors And Employees
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years

Regulatory Capital - Compliance

Regulatory Capital - Compliance with Regulatory Capital Requirements under Banking Regulations (Details) $ in Millions	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 leverage capital, Ratio	0.108	0.113
Bank only
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 leverage capital	$ 206.7	$ 196
Tier 1 leverage capital, Ratio	0.107	0.116
Tier 1 leverage capital, To be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 154.9	$ 84.8

Business Segments - Narrative (

Business Segments - Narrative (Details)	9 Months Ended
Business Segments - Narrative (Details)	Sep. 30, 2020itemsegment
Segment Reporting Information [Line Items]
Number of operating segments \| segment	2
Retail Deposit \| Pacific Northwest
Segment Reporting Information [Line Items]
Number of bank branches \| item	21

Business Segments - Segment Fin

Business Segments - Segment Financial Results (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)employee	Sep. 30, 2019USD ($)employee	Sep. 30, 2020USD ($)employee	Sep. 30, 2019USD ($)employee
Segment Reporting Information [Line Items]
Net interest income	$ 18,918	$ 17,735	$ 54,251	$ 52,958
Provision for loan losses	(3,100)	(573)	(11,435)	(2,233)
Noninterest income	17,546	6,744	40,568	17,382
Noninterest expense	(17,179)	(14,722)	(47,985)	(46,590)
INCOME BEFORE PROVISION FOR INCOME TAXES	16,185	9,184	35,399	21,517
Provision for income taxes	(3,472)	(2,040)	(7,499)	(4,718)
NET INCOME	12,713	7,144	27,900	16,799
Total average assets for period ended	$ 2,014,509	$ 1,653,216	$ 1,895,878	$ 1,632,061
FTEs \| employee	473	428	473	428
Home Lending
Segment Reporting Information [Line Items]
Net interest income	$ 1,085	$ 2,897	$ 3,470	$ 5,109
Provision for loan losses	(960)	3	(2,016)	(360)
Noninterest income	15,078	3,971	32,312	9,901
Noninterest expense	(4,117)	(3,504)	(12,348)	(10,752)
INCOME BEFORE PROVISION FOR INCOME TAXES	11,086	3,367	21,418	3,898
Provision for income taxes	(2,372)	(740)	(4,537)	(855)
NET INCOME	8,714	2,627	16,881	3,043
Total average assets for period ended	$ 445,927	$ 286,689	$ 383,363	$ 259,964
FTEs \| employee	137	121	137	121
Commercial and Consumer Banking
Segment Reporting Information [Line Items]
Net interest income	$ 17,833	$ 14,838	$ 50,781	$ 47,849
Provision for loan losses	(2,140)	(576)	(9,419)	(1,873)
Noninterest income	2,468	2,773	8,256	7,481
Noninterest expense	(13,062)	(11,218)	(35,637)	(35,838)
INCOME BEFORE PROVISION FOR INCOME TAXES	5,099	5,817	13,981	17,619
Provision for income taxes	(1,100)	(1,300)	(2,962)	(3,863)
NET INCOME	3,999	4,517	11,019	13,756
Total average assets for period ended	$ 1,568,582	$ 1,366,527	$ 1,512,515	$ 1,372,097
FTEs \| employee	336	307	336	307

Goodwill and other Intangible_3

Goodwill and other Intangible Assets (Details) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Jan. 22, 2016item
Finite-Lived Intangible Assets [Line Items]
Goodwill	$ 2,312		$ 2,312		$ 2,312
Goodwill, Impairment Loss					0
Finite-Lived Intangible Assets, Net [Abstract]
Finite-Lived Intangible Assets, Gross, Total	7,490		7,490		7,490	$ 7,490
Finite-Lived Intangible Assets, Accumulated Amortization	(2,562)		(2,562)		(2,033)	(1,273)
Core deposit intangible, net	4,928		4,928		5,457	6,217
Amortization	(176)	$ (190)	(529)	$ (570)	(760)
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]
Remainder of 2020	177		177
2021	691		691
2022	691		691
2023	691		691
2024	621		621
Thereafter	2,057		2,057
Total	4,928		$ 4,928		5,457	$ 6,217
Anchor Bancorp
Finite-Lived Intangible Assets, Net [Abstract]
Amortization period			10 years
Bank of America
Finite-Lived Intangible Assets [Line Items]
Goodwill	$ 2,300		$ 2,300		$ 2,300
Number of bank branches \| item							4
Finite-Lived Intangible Assets, Net [Abstract]
Amortization period			9 years

Revenue From Contracts With C_3

Revenue From Contracts With Customers (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Noninterest Income
Noninterest Income (in-scope of Topic 606)	$ 676	$ 724	$ 1,965	$ 2,167
Noninterest income (out-of-scope of Topic 606)	16,870	6,020	38,603	15,215
Total noninterest income	17,546	6,744	40,568	17,382
Debit Card Interchange Fees
Noninterest Income
Noninterest Income (in-scope of Topic 606)	504	491	1,382	1,383
Fees from non-sufficient funds
Noninterest Income
Noninterest Income (in-scope of Topic 606)	$ 172	$ 233	$ 583	$ 784

Covid-19 Pandemic (Details)

Covid-19 Pandemic (Details)	9 Months Ended
Covid-19 Pandemic (Details)	Sep. 30, 2020USD ($)loan	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)
Loans and Leases Receivable, Gross	$ 1,519,418,000	$ 1,351,893,000	$ 1,326,195,000
Small Business Administration (SBA) Cares Act Payment Protection Program [Member]
Loans and Leases Receivable, Gross	$ 74,100,000
Number of loans funded \| loan	471
Small Business Administration SBA Cares Act Paycheck Protection Program Liquidity Facility [Member]
Additional unused borrowing capacity	$ 0
Annual interest rate (as a percent)	0.35%
Borrowings	$ 74,100,000
Maturing in 2022	72,800,000
Maturing in 2025	1,300,000
Commercial Real Estate
Loans restructured or modified	22,400,000
Loans and Leases Receivable, Gross	227,354,000	210,749,000
Commercial Real Estate \| FHA Guidelines COVID 19 [Member]
Loans restructured or modified	23,800,000
COMMERCIAL BUSINESS LOANS.
Loans restructured or modified	9,000,000
Loans and Leases Receivable, Gross	263,758,000	201,643,000	189,276,000
COMMERCIAL BUSINESS LOANS. \| FHA Guidelines COVID 19 [Member]
Loans restructured or modified	7,600,000
One-to-four-family
Loans restructured or modified	3,300,000
Loans and Leases Receivable, Gross	300,863,000	261,539,000
One-to-four-family \| FHA Guidelines COVID 19 [Member]
Loans restructured or modified	3,300,000
CONSUMER LOANS.
Loans restructured or modified	280,000
Loans and Leases Receivable, Gross	364,808,000	$ 326,210,000	$ 317,934,000
CONSUMER LOANS. \| FHA Guidelines COVID 19 [Member]
Loans restructured or modified	280,000
Paycheck Protection Program Facility [Member]
PPP Borrowed amount	$ 74,100,000