Sound Financial Bancorp (SFBC) 10-K 14 Mar 19 2018 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2018	Mar. 12, 2019	Jun. 30, 2018
Document and Entity Information [Abstract]
Entity Registrant Name	Sound Financial Bancorp, Inc.
Entity Central Index Key	0001541119
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Public Float			$ 82.4
Entity Common Stock, Shares Outstanding		2,547,236
Document Fiscal Year Focus	2018
Document Fiscal Period Focus	FY
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2018

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash and cash equivalents	$ 61,810	$ 60,680
Available-for-sale securities, at fair value	4,957	5,435
Loans held-for-sale	1,172	1,777
Loans held for portfolio	619,543	548,595
Allowance for loan losses	(5,774)	(5,241)
Total loans held for portfolio, net	613,769	543,354
Accrued interest receivable	2,287	1,977
Bank-owned life insurance, net	13,365	12,750
Other real estate owned (OREO) and repossessed assets, net	575	610
Mortgage servicing rights, at fair value	3,414	3,426
Federal Home Loan Bank (FHLB) stock, at cost	4,134	3,065
Premises and equipment, net	7,044	7,392
Other assets	4,208	4,778
Total assets	716,735	645,244
Deposits
Interest-bearing	457,535	442,277
Noninterest-bearing demand	96,066	72,123
Total deposits	553,601	514,400
Borrowings	84,000	59,000
Accrued interest payable	137	77
Other liabilities	6,681	5,972
Advance payments from borrowers for taxes and insurance	689	635
Total liabilities	645,108	580,084
COMMITMENTS AND CONTINGENCIES (NOTE 7 and 17)
STOCKHOLDERS' EQUITY
Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or outstanding	0	0
Common stock, $0.01 par value, 40,000,000 shares authorized, 2,544,059 and 2,511,127 issued and outstanding as of December 31, 2018 and 2017, respectively	25	25
Additional paid-in capital	25,663	24,986
Unearned shares - Employee Stock Ownership Plan (ESOP)	(340)	(453)
Retained earnings	46,165	40,493
Accumulated other comprehensive income, net of tax	114	109
Total stockholders' equity	71,627	65,160
Total liabilities and stockholders' equity	$ 716,735	$ 645,244

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2018	Dec. 31, 2017
STOCKHOLDERS' EQUITY
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	10,000,000	10,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	40,000,000	40,000,000
Common stock, shares issued (in shares)	2,544,059	2,511,127
Common stock, shares outstanding (in shares)	2,544,059	2,511,127

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
INTEREST INCOME
Loans, including fees	$ 31,661	$ 26,707
Interest and dividends on investments, cash and cash equivalents	1,286	742
Total interest income	32,947	27,449
INTEREST EXPENSE
Deposits	3,839	3,021
Borrowings	1,521	347
Total interest expense	5,360	3,368
Net interest income	27,587	24,081
Provision for loan losses	525	500
Net interest income after provision for loan losses	27,062	23,581
NONINTEREST INCOME
Service charges and fee income	1,876	1,895
Earnings on cash surrender value of bank-owned life insurance	320	327
Mortgage servicing income	562	566
Net gain on sale of loans	1,258	1,071
Other income	490	0
Total noninterest income	4,506	3,859
NONINTEREST EXPENSE
Salaries and benefits	12,775	10,733
Operations	5,370	4,348
Occupancy	2,139	1,889
Data processing	2,021	1,736
Regulatory assessments	432	431
Net loss and expenses on OREO and repossessed assets	86	110
Total noninterest expense	22,823	19,247
Income before provision for income taxes	8,745	8,193
Provision for income taxes	1,706	3,068
Net income	$ 7,039	$ 5,125
Earnings per common share:
Basic (in dollars per share)	$ 2.82	$ 2.05
Diluted (in dollars per share)	$ 2.74	$ 2
Weighted average number of common shares outstanding:
Basic (in shares)	2,498,161	2,504,430
Diluted (in shares)	2,567,165	2,568,082

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Net income	$ 7,039	$ 5,125
Available for sale securities:
Unrealized gains arising during the year	7	43
Income tax expense related to unrealized gains/losses	(2)	(15)
Other comprehensive income, net of tax	(17)	28
Comprehensive income	7,044	5,153
Accumulated Other Comprehensive Income, net of tax
Available for sale securities:
Other comprehensive income, net of tax	$ 5	$ 28

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Unearned ESOP Shares	Retained Earnings	Accumulated Other Comprehensive Income, net of tax
Balance, beginning of period at Dec. 31, 2016	$ 60,275	$ 25	$ 23,979	$ (683)	$ 36,873	$ 81
Balance, beginning of period (in shares) at Dec. 31, 2016		2,498,804
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	5,125				5,125
Other comprehensive loss, net of tax	28					28
Share-based compensation	523		523
Restricted stock awards	0
Restricted stock awards (in shares)		576
Cash dividends on common stock	(1,505)				(1,505)
Common stock repurchased	0
Common stock repurchased (in shares)		(3,353)
Common stock options exercised	43		43
Common stock options exercised (in shares)		15,100
Allocation of ESOP shares	671		441	230
Balance, end of period at Dec. 31, 2017	$ 65,160	$ 25	24,986	(453)	40,493	109
Balance, end of period (in shares) at Dec. 31, 2017	2,511,127	2,511,127
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 7,039				7,039
Other comprehensive loss, net of tax	(17)		(22)			5
Share-based compensation	273		273
Restricted stock awards	0
Restricted stock awards (in shares)		323
Cash dividends on common stock	(1,367)				(1,367)
Common stock repurchased	0
Common stock repurchased (in shares)		(16,314)
Common stock options exercised	118		118
Common stock options exercised (in shares)		49,266
Allocation of ESOP shares	421		308	113
Restricted shares forfeited	0
Restricted shares forfeited (in shares)		(343)
Balance, end of period at Dec. 31, 2018	$ 71,627	$ 25	$ 25,663	$ (340)	$ 46,165	$ 114
Balance, end of period (in shares) at Dec. 31, 2018	2,544,059	2,544,059

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividends on common stock (in dollars per share)	$ 0.54	$ 0.60

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 7,039	$ 5,125
Adjustments to reconcile net income to net cash from operating activities:
Amortization (accretion) of net premiums/discounts on investments	41	(2)
Provision for loan losses	525	500
Depreciation and amortization	989	943
Compensation expense related to stock options and restricted stock	273	523
Change in fair value of mortgage servicing rights	513	135
Increase in cash surrender value of BOLI	(320)	(327)
Net change in advances from borrowers for taxes and insurance	54	(3)
Deferred income tax	69	106
Net gain on sale of loans	(1,258)	(1,071)
Proceeds from sale of loans held-for-sale	49,341	51,959
Originations of loans held-for-sale	(47,979)	(51,794)
Net loss on OREO and repossessed assets	74	94
Change in operating assets and liabilities:
Accrued interest receivable	(310)	(161)
Other assets	505	(305)
Accrued interest payable	60	4
Other liabilities	709	1,098
Net cash provided by operating activities	10,325	6,824
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from principal payments, maturities and sales of available for sale securities	416	1,214
Net increase in loans	(70,995)	(48,651)
Purchase of BOLI	(295)	(341)
Proceeds from sale of OREO and other repossessed assets	16	468
Purchases of premises and equipment, net	(641)	(2,474)
Net cash received from branch acquisition	0	13,671
Net cash used in investing activities	(71,499)	(36,113)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits	39,201	32,195
Proceeds from borrowings	262,000	229,000
Repayment of borrowings	(237,000)	(224,792)
FHLB stock purchased	(1,069)	(225)
ESOP shares released	421	671
Proceeds from common stock option exercises	118	43
Dividends paid on common stock	(1,367)	(1,505)
Net cash provided by financing activities	62,304	35,387
Net increase in cash and cash equivalents	1,130	6,098
Cash and cash equivalents, beginning of year	60,680	54,582
Cash and cash equivalents, end of year	61,810	60,680
SUPPLEMENTAL CASH FLOW INFORMATION
Cash paid for income taxes	2,670	2,460
Interest paid on deposits and borrowings	5,300	3,364
Noncash net transfer from loans to OREO and repossessed assets	55	0
Acquired assets	0	803
Assumed liabilities	$ 0	$ 14,474

Organization and significant ac

Organization and significant accounting policies	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Organization and significant accounting policies	Organization and significant accounting policies Sound Financial Bancorp, a Maryland corporation ("Sound Financial Bancorp" or the "Company"), is a bank holding company for its wholly owned subsidiary, Sound Community Bank (the "Bank"). Substantially all of Sound Financial Bancorp's business is conducted through Sound Community Bank, a Washington state-chartered commercial bank. As a Washington commercial bank, the Bank's regulators are the Washington State Department of Financial Institutions ("WDFI") and the Federal Deposit Insurance Corporation ("FDIC"). The Board of Governors of the Federal Reserve System ("Federal Reserve") is the primary federal regulator for Sound Financial Bancorp. The Company’s business activities generally are limited to passive investment activities and oversight of its investment in the Bank. Accordingly, the information set forth in this report relates primarily to the Bank. Subsequent events – The Company has evaluated subsequent events for potential recognition and disclosure. Basis of Presentation and Use of Estimates – The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the fair value of mortgage servicing rights, valuations of impaired loans and OREO, and the realization of deferred taxes. The accompanying consolidated financial statements include the accounts of Sound Financial Bancorp and its wholly-owned subsidiary Sound Community Bank. All significant intercompany balances and transactions between Sound Financial Bancorp and its subsidiary have been eliminated in consolidation. Cash and cash equivalents – For purposes of reporting cash flows, cash and cash equivalents include cash on hand and in banks and interest-bearing deposits. All have original maturities of three months or less and may exceed federally insured limits. Investment securities – Investment securities are classified into one of three categories: (1) held-to-maturity, (2) available-for-sale ("AFS"), or (3) trading. The Company had no held-to-maturity or trading securities at December 31, 2018 or 2017 . AFS securities consist of debt securities that the Company has the intent and ability to hold for an indefinite period, but not necessarily to maturity. Such securities may be sold to implement the Company's asset/liability management strategies and/or in response to changes in interest rates and similar factors. AFS securities are reported at fair value. Dividend and interest income are recognized when earned. Unrealized gains and losses, net of the related deferred tax effect, are reported as a net amount in accumulated other comprehensive income (loss) on AFS securities in the consolidated balance sheets. Realized gains and losses on AFS securities, determined using the specific identification method, are included in earnings. Amortization of premiums and accretion of discounts are recognized as adjustments to interest income using the interest method over the period to maturity. The Company reviews investment securities on an ongoing basis for the presence of other-than-temporary impairment ("OTTI") or permanent impairment, taking into consideration current market conditions, fair value in relation to cost, extent and nature of the change in fair value, issuer rating changes and trends, whether the Company intends to sell a security or if it is likely that the Company will be required to sell the security before recovery of its amortized cost basis of the investment, which may be maturity, and other factors. For debt securities, if the Company intends to sell the security or it is likely that it will be required to sell the security before recovering its cost basis, the entire impairment loss would be recognized in earnings as an OTTI. If the Company does not intend to sell the security and it is not likely that we will be required to sell the security but we do not expect to recover the entire amortized cost basis of the security, only the portion of the impairment loss representing credit losses would be recognized in earnings. The credit loss on a security is measured as the difference between the amortized cost basis and the present value of the cash flows expected to be collected. Projected cash flows are discounted by the original or current effective interest rate depending on the nature of the security being measured for potential OTTI. The remaining impairment related to all other factors, the difference between the present value of the cash flows expected to be collected and the fair value, is recognized as a charge to other comprehensive income ("OCI"). The Company does not intend to sell these securities and it is more likely than not that it will not be required to sell the securities before anticipated recovery of the remaining amortized cost basis. The Company closely monitors its investment securities for changes in credit risk. The current market environment significantly limits the Company's ability to mitigate its exposure to valuation changes in these securities by selling them. Accordingly, if market conditions deteriorate further and the Company determines its holdings of these or other investment securities are OTTI, its future earnings, stockholders' equity, regulatory capital and continuing operations could be materially adversely affected. Loans held-for-sale – To mitigate interest rate sensitivity, from time to time, certain fixed rate mortgage loans are identified as held-for-sale in the secondary market. Accordingly, such loans are classified as held-for-sale in the consolidated balance sheets and are carried at the lower of cost or estimated fair market value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Mortgage loans held-for-sale are generally sold with the mortgage servicing rights retained by the Company. Gains or losses on sales of loans are recognized based on the difference between the selling price and the carrying value of the related loans sold based on the specific identification method. Loans – The Company grants mortgage, commercial, and consumer loans to clients. A substantial portion of the loan portfolio is represented by loans secured by real estate located throughout the Puget Sound region, especially King, Snohomish and Pierce Counties, and in Clallam and Jefferson Counties of Washington State. The ability of the Company's debtors to honor their contracts is dependent upon employment, real estate and general economic conditions in these areas. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balance adjusted for any charge-offs, allowance for loan losses, and any deferred fees or costs on origination of loans. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method over the contractual life of the loan for term loans or the straight-line method for open ended loans. The accrual of interest is discontinued at the time the loan is 90 days past due or if, in management's opinion, the borrower may be unable to meet payment of obligations as they become due, as well as when required by regulatory provisions. Loans are typically charged off no later than 120 days past due, unless secured by collateral. Past due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual or charged-off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all of the principal and interest amounts contractually due are brought current, future payments are reasonably assured and payments have been received for twelve consecutive months. A loan is considered impaired when it is probable that the Company will be unable to collect all amounts (principal and interest) due according to the contractual terms of the original loan agreement. When a loan has been identified as being impaired, the amount of the impairment is measured by using discounted cash flows, except when, as a practical expedient, the current fair value of the collateral, reduced by costs to sell, is used. When the measurement of the impaired loan is less than the recorded investment in the loan (including accrued interest), impairment is recognized by charging off the impaired portion or creating or adjusting a specific allocation of the allowance for loan losses. A loan is classified as a troubled debt restructuring ("TDR") when certain concessions have been made to the contractual terms, such as reductions of interest rates or deferrals of interest or principal payments due to the borrower's deteriorated financial condition. All TDRs are reported and accounted for as impaired loans. Allowance for loan losses – The allowance for loan losses is a reserve established through a provision for loan losses charged to expense and represents management's best estimate of probable losses incurred within the existing loan portfolio as of the balance sheet date. The level of the allowance reflects management's view of trends in loan loss activity, current loan portfolio quality and present economic, political and regulatory conditions. Portions of the allowance may be allocated for specific loans; however, the allowance is available for any loan that is charged off. The allowance is increased by provisions charged to earnings and by recoveries of amounts previously charged off, and is reduced by charge-offs on loans (or portions thereof) deemed to be uncollectible. Loan charge-offs are recognized when management believes the collectability of the principal balance outstanding is unlikely. Full or partial charge-offs on collateral dependent impaired loans are generally recognized when the collateral is deemed to be insufficient to support the carrying value of the loan. The allowance for loan losses is maintained at a level sufficient to provide for probable credit losses based upon evaluating known and inherent risks in the loan portfolio. The allowance is provided based upon management's continuing analysis of the pertinent factors underlying the quality of the loan portfolio. These factors include changes in the size and composition of the loan portfolio, delinquency levels, actual loan loss experience, current economic conditions, and detailed analysis of individual loans for which full collectability may not be assured. The detailed analysis includes techniques to estimate the fair value of loan collateral and the existence of potential alternative sources of repayment. The allowance consists of specific, general, and unallocated components. The Company considers installment loans to be pools of smaller balance, homogenous loans that are collectively evaluated for impairment, unless such loans are subject to a TDR agreement. For such loans that are also classified as impaired, a specific component within the allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan are lower than the carrying value of that loan. The general component covers non-impaired loans and is based upon historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. The appropriateness of the allowance for loan losses is estimated based upon those factors and trends identified by management at the time consolidated financial statements are prepared. When available information confirms that specific loans or portions thereof are uncollectible, identified amounts are charged against the allowance for loan losses. The existence of some or all of the following criteria will generally confirm that a loss has been incurred: the loan is significantly delinquent and the borrower has not demonstrated the ability or intent to bring the loan current; the Company has no recourse to the borrower, or if it does, the borrower has insufficient assets to pay the debt; the estimated fair value of the loan collateral is significantly below the current loan balance, and there is little or no near-term prospect for improvement. The ultimate recovery of all loans is susceptible to future market factors beyond the Company's control. These factors may result in losses or recoveries differing significantly from those provided in the consolidated financial statements. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses, and may require the Company to make additions to the allowance based on their judgment about information available to them at the time of their examinations. Transfers of financial assets – Transfers of an entire financial asset, or a participating interest in an entire financial asset, are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when: (1) a group of financial assets or a participating interest in an entire financial asset has been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Mortgage servicing rights ("MSR") – Mortgage servicing rights represent the value associated with servicing residential mortgage loans, when the mortgage loans have been sold into the secondary market and the related servicing has been retained by the Company. The Company may also purchase mortgage servicing rights. The value is determined though a discounted cash flow analysis, which uses interest rates, prepayment speeds and delinquency rate assumptions as inputs. All of these assumptions require a significant degree of management judgment. The Company measures its mortgage servicing assets at fair value and reports changes in fair value through earnings under the caption mortgage banking revenue in the period in which the change occurs. Premises and equipment – Premises, leasehold improvements and furniture and equipment are carried at cost, less accumulated depreciation and amortization. Furniture and equipment are depreciated using the straight-line method over the estimated useful lives of the assets, which range from 1 to 10 years. The cost of leasehold improvements is amortized using the straight-line method over the terms of the related leases. The cost of premises is amortized using the straight-line method over the estimated useful life of the building, up to 39 years. Management reviews premises, leasehold improvements and furniture and equipment for impairment on an annual basis. Bank-owned life insurance, net – The carrying amount of bank owned life insurance approximates its fair value, and is estimated using the cash surrender value, net of any surrender charges. Federal Home Loan Bank stock – The Company is a member of the Federal Home Loan Bank of Des Moines ("FHLB"). FHLB stock represents the Company's investment in the FHLB and is carried at par value, which reasonably approximates its fair value. As a member of the FHLB, the Company is required to maintain a minimum level of investment in FHLB stock based on specific percentages of its outstanding mortgages, total assets, or FHLB advances. At December 31, 2018 and 2017 , the Company's minimum required investment in FHLB stock was $4.1 million and $3.1 million , respectively. Typically the Company may request redemption at par value of any stock in excess of the minimum required investment. Stock redemptions are at the discretion of the FHLB. Other real estate owned and repossessed assets – OREO and repossessed assets represent real estate and other assets which the Company has taken control of in partial or full satisfaction of loans. At the time of foreclosure, OREO and repossessed assets are recorded at fair value less estimated costs to sell, which becomes the new basis. Any write-downs based on the asset's fair value at the date of acquisition are charged to the allowance for loan and lease losses. After foreclosure, management periodically performs valuations such that the property is carried at the lower of its new cost basis or fair value, net of estimated costs to sell. Revenue and expenses from operations and subsequent adjustments to the carrying amount of the property are included in other noninterest expense in the consolidated statements of income. In some instances, the Company may make loans to facilitate the sales of OREO. Management reviews all sales for which it is the lending institution. Any gains related to sales of other real estate owned may be deferred until the buyer has a sufficient investment in the property. Income Taxes – Income taxes are accounted for using the asset and liability method. Under this method a deferred tax asset or liability is determined based on the enacted tax rates which will be in effect when the differences between the financial statement carrying amounts and tax basis of existing assets and liabilities are expected to be reported in the Company's income tax returns. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. Valuation allowances are established to reduce the net carrying amount of deferred tax assets if it is determined to be more likely than not, that all or some portion of the potential deferred tax asset will not be realized. Segment reporting – The Company operates in one segment and makes management decisions based on consolidated results. The Company's operations are solely in the financial services industry and include providing to its clients traditional banking and other financial services. Off-balance-sheet credit-related financial instruments – In the normal course of operations, the Company engages in a variety of financial transactions that are not recorded in our financial statements. These transactions involve varying degrees of off-balance sheet credit, interest rate and liquidity risks. These transactions are used primarily to manage customers' requests for funding and take the form of loan commitments, letters of credit and lines of credit. Such financial instruments are recorded when they are funded. Advertising costs – The Company expenses advertising costs as they are incurred. Advertising costs, including other marketing expenses were $244,000 and $204,000 for the years ended December 31, 2018 and 2017 , respectively. Comprehensive income – Accounting principles generally require that recognized revenue, expenses, gains, and losses be included in net income. Certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale investments, are reported as a separate component of the equity section of the consolidated balance sheets, net of tax. Such items, along with net income, are components of comprehensive income. Intangible assets – At December 31, 2018 and 2017 , the Company had $209,000 and $362,000 , respectively, of identifiable intangible assets included in other assets as a result of the acquisition of deposits from other institutions. These assets are amortized using the straight-line method over a period of 8 - 10 years and have a remaining weighted average life of 5.6 years . Management reviews intangible assets for impairment on an annual basis. No impairment losses have been recognized in the periods presented. Employee stock ownership plan (ESOP) – The Company sponsors a leveraged ESOP. As shares are committed to be released, compensation expense is recorded equal to the market price of the shares, and the shares become outstanding for purposes of earnings per share calculations. Cash dividends on allocated shares (those credited to ESOP participants' accounts) are recorded as a reduction of stockholders' equity and distributed directly to participants' accounts. Cash dividends on unallocated shares (those held by the ESOP not yet credited to participants' accounts) are used to pay administrative expenses and debt service requirements of the ESOP. See Note 13 – Employee Benefits for further information. At December 31, 2018 , there were 34,020 unallocated shares in the plan. Shares released on December 31, 2018 totaled 11,340 and will be credited to plan participants' accounts in 2019. Unearned ESOP shares are shown as a reduction of stockholders' equity. When the shares are released, unearned common shares held by the ESOP are reduced by the cost of the ESOP shares released and the differential between the fair value and the cost is charged to additional paid in capital. The loan receivable from the ESOP to the Company is not reported as an asset nor is the debt of the ESOP reported as a liability on the Company's consolidated statements of condition. Earnings Per Common Share – Earnings per share ("EPS") is computed using the two-class method. Basic EPS is computed by dividing net income allocated to common shares by the weighted average number of common shares outstanding for the period, excluding any participating securities. Participating securities include unvested restricted shares. Unvested restricted shares are considered participating securities because holders of these securities receive non-forfeitable dividends at the same rate as the holders of the Company's common stock. Diluted EPS is computed by dividing net income allocated to common shares adjusted for reallocation of undistributed earnings of unvested restricted shares by the weighted average number of common shares determined for the basic EPS plus the dilutive effect of common stock equivalents using the treasury stock method based on the average market price for the period. Some stock options are anti-dilutive and therefore are not included in the calculation of diluted EPS. Fair value – Fair value is the price that would be received when an asset is sold or a liability is transferred in an orderly transaction between market participants at the measurement date. Fair values of the Company's financial instruments are based on the fair value hierarchy which requires an entity to maximize the use of observable inputs, typically market data obtained from third parties, and minimize the use of unobservable inputs, which reflects its estimates for market assumptions, when measuring fair value. Three levels of valuation inputs are ranked in accordance with the prescribed fair value hierarchy as follows: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets. Level 2: Quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active. Level 3: Assets or liabilities whose significant value drivers are unobservable. In determining the appropriate levels, the Company performs a detailed analysis of the assets and liabilities that are subject to fair value measurements. In certain cases, the inputs used to measure fair value of an asset or liability may fall into different levels of the fair value hierarchy. The level within which the fair value measurement is categorized is based on the lowest level unobservable input that is significant to the fair value measurement in its entirety. Therefore, an item may be classified in Level 3 even though there may be some significant inputs that are readily observable. Share-Based Compensation – The Company measures the cost of employee services received in exchange for an award of equity instruments based on the grant date fair value of the award. These costs are recognized on a straight-line basis over the vesting period during which an employee is required to provide services in exchange for the award, also known as the requisite service period. The Company uses the Black-Scholes option pricing model to estimate the fair value of stock options granted. When determining the estimated fair value of stock options granted, the Company utilizes various assumptions regarding the expected volatility of the stock price, estimated forfeitures using historical data on employee terminations, the risk-free interest rate for periods within the contractual life of the stock option, and the expected dividend yield that the Company expects over the expected life of the options granted. Reductions in compensation expense associated with forfeited options are estimated at the date of grant, and this estimated forfeiture rate is adjusted monthly based on actual forfeiture experience. The Company measures the fair value of the restricted stock using the closing market price of the Company's common stock on the date of grant. The Company expenses the grant date fair value of the Company's stock options and restricted stock with a corresponding increase in equity. Reclassifications – Certain amounts reported in prior years' consolidated financial statements have been reclassified to conform to the current presentation. The results of the reclassifications are not considered material and have no effect on previously reported net income, earnings per share or stockholders' equity.

Accounting Pronouncements Recen

Accounting Pronouncements Recently Issued or Adopted	12 Months Ended
	Dec. 31, 2018
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]
Accounting Pronouncements Recently Issued or Adopted	Accounting Pronouncements Recently Issued or Adopted In August 2018, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2018-13, "Fair Value Measurement: Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement" ("ASU 2018-13") . This ASU modifies the disclosure requirements on fair value measurements. The following disclosure requirements were removed from FASB Accounting Standards Codification ("ASC") Topic 820 - Fair Value Measurement: (1) the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy; (2) the policy for timing of transfers between levels; and (3) the valuation processes for Level 3 fair value measurements. This ASU clarifies that the measurement uncertainty disclosure is to communicate information about the uncertainty in measurement as of the reporting date. The ASU adds the following disclosure requirements for Level 3 measurements: (1) changes in unrealized gains and losses for the period included in other comprehensive income for the recurring Level 3 fair value measurements held at the end of the reporting period; and (2) the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. Amendments in this ASU are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is permitted for any removed or modified disclosures. The adoption of ASU 2018-13 is not expected to have a material impact on the Company's consolidated financial statements. In June 2018, the FASB issued ASU No. 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting. This ASU amends the accounting for share-based payments awards to nonemployees to align with the accounting for employee awards. Under the new guidance, the existing employee guidance will apply to nonemployee share-based transactions (as long as the transaction is not effectively a form of financing), with the exception of specific guidance related to the attribution of compensation cost. The cost of nonemployee awards will continue to be recorded as if the grantor had paid cash for the goods or services. In addition, the contractual term will be able to be used in lieu of an expected term in the option-pricing model for nonemployee awards. Amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2018 and early adoption is permitted. The adoption of ASU No. 2018-07 on January 1, 2019 is not expected to have a material impact on the Company's consolidated financial statements. In March 2018, FASB issued ASU No. 2018-5, Income Taxes (Topic 740) . This ASU was issued to provide guidance on the income tax accounting implications of the Tax Cuts and Jobs Act of 2017 ("Tax Act") and allows for entities to report provisional amounts for specific income tax effects of the Tax Act for which the accounting under Topic 740 was not yet complete, but a reasonable estimate could be determined. A measurement period of one-year is allowed to complete the accounting effects under Topic 740 and revise any previous estimates reported. Any provisional amounts or subsequent adjustments included in an entity's financial statements during the measurement period should be included in income from continuing operations as an adjustment to tax expense in the reporting period the amounts are determined. The Company adopted this ASU with the provisional adjustments as reported in the consolidated financial statements on Form 10-K as of December 31, 2017. For the year ended December 31, 2018 , the Company did not incur any adjustments to the provisional recognition. In February 2018, FASB issued ASU No. 2018-02, Income Statement - Reporting Comprehensive Income (Topic 220) . This ASU was issued to allow a reclassification from accumulated other comprehensive income to retained earnings from stranded tax effects resulting from the revaluation of the Company's net deferred tax asset ("DTA") to the new corporate tax rate of 21% as a result of the "Tax Act". The ASU is effective for reporting periods beginning after December 15, 2018 with early adoption permitted. The adoption of ASU No. 2018-02 did not have a material impact on the Company's consolidated financial statements. In August 2017, the FASB issued ASU No. 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities. This ASU amends the hedge accounting recognition and presentation requirements in ASC 815 to improve the transparency and understandability of information conveyed to financial statement users about an entity's risk management activities by better aligning the entity's financial reporting for hedging relationships with those risk management activities and reduce the complexity of and simplify the application of hedge accounting by preparers. The amendments in this ASU permit hedge accounting for hedging relationships involving nonfinancial risk and interest rate risk by removing certain limitations in cash flow and fair value hedging relationships. In addition, the ASU requires an entity to present the earnings effect of the hedging instrument in the same income statement line item in which the earnings effect of the hedged item is reported. The amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2018 and early adoption is permitted. The adoption of ASU No. 2017-12 on January 1, 2019, is not expected to have a material impact on the Company's consolidated financial statements. In May 2017, the FASB issued ASU No. 2017-09, Compensation--Stock Compensation (Topic 718): Scope of Modification Accounting . The ASU was issued to provide clarity as to when to apply modification accounting when there is a change in the terms or conditions of a share-based payment award. According to this ASU, an entity should account for the effects of a modification unless the fair value, vesting conditions, and balance sheet classification of the award is the same after the modification as compared to the original award prior to the modification. The standard was effective for reporting periods beginning after December 15, 2017. The Company has not had any modifications on share-based payment awards and therefore the adoption of ASU No. 2017-09 did not have a material impact on the Company's consolidated financial statements. In March 2017, the FASB issued ASU No. 2017-08, Receivables-Nonrefundable Fees and Other Costs (Subtopic 310-20) . ASU 2017-08 is intended to amend the amortization period for certain purchased callable debt securities held at a premium. Under ASU 2017-08, the FASB is shortening the amortization period for the premium to the earliest call date. Under current GAAP, entities generally amortize the premium as an adjustment of yield over the contractual life of the instrument. ASU 2017-08 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2018. The adoption of ASU No. 2017-08 on January 1, 2019 is not expected to have a material impact on the Company's consolidated financial statements. In January 2017, the FASB issued ASU No. 2017-04, Intangibles - Goodwill and Other (Topic 350) : Simplifying the Test for Goodwill Impairment, or ASU 2017-04, which eliminates Step 2 from the goodwill impairment test. ASU 2017-04 also eliminates the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. Adoption of ASU 2017-04 is required for annual or interim goodwill impairment tests in fiscal years beginning after December 15, 2019 with early adoption permitted for annual or interim goodwill impairment tests performed on testing dates after January 1, 2017. The Company does not expect the adoption of ASU 2017-04 to have a material impact on its consolidated financial statements. In August 2016, FASB issued ASU No. 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments . This ASU addresses the appropriate classification of eight specific cash flow issues on the cash flow statement. Debt prepayment costs should be classified as an outflow for financing activities. Settlement of zero-coupon debt instruments divides the interest portion as an outflow for operating activities and the principal portion as an outflow for financing activities. Contingent consideration payments made after a business combination should be classified as outflows for financing and operating activities. Proceeds from the settlement of bank-owned life insurance policies should be classified as inflows from investing activities. Other specific areas are identified in the ASU as to the appropriate classification of the cash inflows or outflows. The amendments in this ASU were effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company does not currently have items on its cash flow statement that were impacted by adoption of this ASU and therefore adoption of ASU 2016-15 did not have a material impact on the Company's consolidated financial statements. In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments- Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments . This ASU replaces the existing incurred loss impairment methodology that recognizes credit losses when a probable loss has been incurred with new methodology where loss estimates are based upon lifetime expected credit losses. The amendments in this ASU require a financial asset that is measured at amortized cost to be presented at the net amount expected to be collected. The income statement would then reflect the measurement of credit losses for newly recognized financial assets as well as changes to the expected credit losses that have taken place during the reporting period. The measurement of expected credit losses will be based on historical information, current conditions, and reasonable and supportable forecasts that impact the collectability of the reported amount. Available-for-sale securities will bifurcate the fair value mark and establish an allowance for credit losses through the income statement for the credit portion of that mark. The interest portion will continue to be recognized through accumulated other comprehensive income or loss. The change in allowance recognized as a result of adoption will occur through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the ASU is adopted. The amendments in this ASU are effective for fiscal years beginning after December 15, 2019 with early adoption permitted after December 15, 2018. The Company is evaluating its current expected loss methodology on the loan and investment portfolios to identify the necessary modifications in accordance with this standard and expects a change in the processes and procedures to calculate the allowance for loan losses, including changes in assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. The Company is in the process of compiling historical data that will be used to calculate expected credit losses on the loan portfolio to ensure that it is fully compliant with the ASU at the adoption date and is evaluating the potential impact adoption of this ASU will have on its consolidated financial statements. While the Company has not quantified the impact of this ASU, it does expect changing from the current incurred loss model to an expected loss model will result in an earlier recognition of losses. The Company also expects that once adopted the allowance for loan losses will increase, however, until its evaluation is complete the magnitude of the increase will be unknown. In February 2016, FASB issued ASU No. 2016-02, Leases (Topic 842) . ASU No. 2016-02 requires lessees to recognize, on the balance sheet, the assets and liabilities arising from operating leases. A lessee should recognize a liability to make lease payments and a right-of-use asset representing its right to use the underlying asset for the lease term. A lessee should include payments to be made in an optional period only if the lessee is reasonably certain to exercise an option to extend the lease or not to exercise an option to terminate the lease. For a finance lease, interest payments should be recognized separately from amortization of the right-of-use asset in the statement of comprehensive income. For operating leases, the lease cost should be allocated over the lease term on a generally straight-line basis. In July 2018, the FASB issued ASU No. 2018-11, Leases (Topic 842), Targeted Improvements . This ASU amended the new leases standard to give entities another option for transition and to provide lessors with a practical expedient. The transition option allows entities to not apply the new leases standard in the comparative periods they present in their financial statements in the year of adoption. The practical expedient provides lessors with an option to not separate non-lease components from the associated lease components when certain criteria are met and requires them to account for the combined component in accordance with the new revenue standard if the associated non-lease components are the predominant components. The amendments have the same effective date as ASU 2016-02. The amendments in ASU 2016-02 are effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application of the amendments in the ASU is permitted. The Company is currently evaluating the impact of ASU 2016-02. Upon adoption of this guidance on January 1, 2019, we expect the right-of-use assets and lease liabilities recorded will be less than 5% of our total assets. The Company does not expect the new lease standard to have a material impact on its consolidated financial statements. In January 2016, FASB issued ASU No. 2016-01, Financial Instruments - Overall, Recognition and Measurement of Financial Assets and Financial Liabilities . ASU 2016-01 requires equity investments (except those accounted for under the equity method of accounting) to be measured at fair value with changes in fair value recognized in net income. In addition, the amendments in this ASU require an entity to disclose the fair value of financial instruments using the exit price notion. Exit price is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The methods of determining the fair value of assets and liabilities are consistent with our methodologies disclosed in Note 11 - Fair Value Measurements of this Form 10-K, except for the valuation of loans held-for-investment and time deposits which were impacted by the adoption of ASU 2016-01. Prior to adopting the amendments included in the standard, the Company was allowed to measure fair value under an entry price notion. The entry price notion previously applied by the Company used a discounted cash flows technique to calculate the present value of expected future cash flows for a financial instrument. The exit price notion uses the same approach, but also incorporates other factors, such as enhanced credit risk, illiquidity risk and market factors that sometimes exist in exit prices in dislocated markets. As of December 31, 2018 , the technique used by the Company to estimate the exit price of the loan portfolio consists of similar procedures to those used as of December 31, 2017, but with added emphasis on both illiquidity risk and credit risk not captured by the previously applied entry price notion. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The amendments in this ASU were effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Refer to Note 11 of this Form 10-K. Prior period information has not been updated to conform with the new guidance. The adoption of ASU 2016-01 did not have a material impact on the Company's consolidated financial statements. In May 2014, the "FASB" issued "ASU" No. 2014-09, Revenue from Contracts with Customers (Topic 606) . In August 2015, FASB issued ASU No. 2015-14, Revenue from Contracts with Customers (Topic 606) which postponed the effective date of 2014-09. Subsequently, in March 2016, the FASB issued ASU 2016-08, Revenue from Contracts with Customers (Topic 606) : Principal versus Agent Considerations. This amendment clarifies that an entity should determine if it is the principal or the agent for each specified good or service promised in a contract with a customer. In April 2016, the FASB issued ASU No. 2016-10, Revenue from Contracts with Customers (Topic 606) : Identifying Performance Obligations and Licensing. The core principle of Topic 606 is that an entity must recognize revenue when it has satisfied a performance obligation of transferring promised goods or services to a customer. These standards were effective for interim and annual periods beginning after December 15, 2017. The Company has analyzed its revenue sources of noninterest income to determine when the satisfaction of the performance obligation occurs and the appropriate recognition of revenue. For further information, see Note 19 - Revenue from Contracts with Customers of this Form 10-K. The adoption of these ASUs did not have a material impact on the Company's consolidated financial statements, other than the additional disclosures included in Note 19 of this Form 10-K.

Restricted Cash

Restricted Cash	12 Months Ended
	Dec. 31, 2018
Cash and Cash Equivalents [Abstract]
Restricted Cash	Restricted Cash Federal Reserve Board regulations require that the Company maintain certain minimum reserve balances either as cash on hand or on deposit with the Federal Reserve Bank, based on a percentage of deposits. The reserve balances were $13.8 million and $12.2 million at December 31, 2018 and 2017 , respectively.

Investments

Investments	12 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Investments	Investments The amortized cost and fair value of AFS securities and the corresponding amounts of gross unrealized gains and losses at December 31, 2018 and 2017 were as follows (in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2018 Municipal bonds $ 3,218 $ 122 $ (23 ) $ 3,317 Agency mortgage-backed securities 1,594 46 — 1,640 Total $ 4,812 $ 168 $ (23 ) $ 4,957 December 31, 2017 Municipal bonds $ 3,240 $ 155 $ (26 ) $ 3,369 Agency mortgage-backed securities 2,030 36 — 2,066 Total $ 5,270 $ 191 $ (26 ) $ 5,435 The amortized cost and fair value of AFS securities at December 31, 2018 , by contractual maturity, are shown below (in thousands). Expected maturities of AFS securities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Investments not due at a single maturity date, primarily mortgage-backed securities, are shown separately. December 31, 2018 Amortized Cost Fair Value Weighted-Average Yield Due in one to five years $ 1,566 $ 1,550 1.93 % Due after five to ten years 460 485 4.75 Due after ten years 1,192 1,282 5.43 Mortgage-backed securities 1,594 1,640 4.14 Total $ 4,812 $ 4,957 3.82 % There were no pledged securities at December 31, 2018 and 2017 . There were no sales of AFS securities during the years ended December 31, 2018 and 2017 . The following tables summarize the aggregate fair value and gross unrealized loss by length of time of those investments that have been in a continuous unrealized loss position at December 31, 2018 and 2017 (in thousands): December 31, 2018 Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Municipal bonds $ — $ — $ 1,283 $ (23 ) $ 1,283 $ (23 ) Total $ — $ — $ 1,283 $ (23 ) $ 1,283 $ (23 ) December 31, 2017 Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Municipal bonds $ — $ — $ 1,302 $ (26 ) $ 1,302 $ (26 ) Total $ — $ — $ 1,302 $ (26 ) $ 1,302 $ (26 ) There were no credit losses recognized in earnings during the years ended December 31, 2018 and 2017 relating to the Company's securities. At December 31, 2018 , the securities portfolio consisted of six agency mortgage-backed securities and eight municipal securities with a fair value of $5.0 million . At December 31, 2017 , the securities portfolio consisted of seven agency mortgage-backed securities and eight municipal bonds with a fair value of $5.4 million . At both the December 31, 2018 and 2017, there were no securities in an unrealized loss position for less than 12 months, and there were three municipal securities in an unrealized loss position for more than 12 months. For both the 2018 and 2017 periods, the unrealized losses were caused by changes in market interest rates or the widening of market spreads subsequent to the initial purchase of these securities, and not related to the underlying credit of the issuers or the underlying collateral. It is expected that these securities will not be settled at a price less than the amortized cost of each investment. The unrealized losses on these investments are not considered other-than-temporary impairment ("OTTI") during the years ended December 31, 2018 and 2017 , because the decline in fair value is not attributable to credit quality and because we do not intend, and it is not likely that we will be required, to sell these securities before recovery of their amortized cost basis .

Loans

Loans	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
Loans	Loans The composition of the loan portfolio, excluding loans held-for-sale, at December 31, 2018 and 2017 is as follows (in thousands): At December 31, 2018 2017 Real estate loans: One-to-four family $ 169,830 $ 157,417 Home equity 27,655 28,379 Commercial and multifamily 252,644 211,269 Construction and land 65,259 61,482 Total real estate loans 515,388 458,547 Consumer loans: Manufactured homes 20,145 17,111 Floating homes 40,806 29,120 Other consumer 6,628 4,902 Total consumer loans 67,579 51,133 Commercial business loans 38,804 40,829 Total loans 621,771 550,509 Deferred fees (2,228 ) (1,914 ) Total loans, gross 619,543 548,595 Allowance for loan losses (5,774 ) (5,241 ) Total loans, net $ 613,769 $ 543,354 The following table presents the balance in the allowance for loan losses and the unpaid principal balance in loans, net of partial charge-offs by portfolio segment and based on impairment method as of December 31, 2018 (in thousands): Allowance: Individually evaluated for impairment Allowance: Collectively evaluated for impairment Ending balance Loans held for investment: Individually evaluated for impairment Loans held for investment: Collectively evaluated for impairment Ending balance One-to-four family $ 228 $ 1,086 $ 1,314 $ 2,760 $ 167,070 $ 169,830 Home equity 25 177 202 440 27,215 27,655 Commercial and multifamily — 1,638 1,638 702 251,942 252,644 Construction and land 8 423 431 163 65,096 65,259 Manufactured homes 299 128 427 424 19,721 20,145 Floating homes — 265 265 — 40,806 40,806 Other consumer 64 48 112 157 6,471 6,628 Commercial business 112 244 356 1,192 37,612 38,804 Unallocated — 1,029 1,029 — — — Total $ 736 $ 5,038 $ 5,774 $ 5,838 $ 615,933 $ 621,771 The following table presents the balance in the allowance for loan losses and the unpaid principal balance in loans, net of partial charge-offs by portfolio segment and based on impairment method as of December 31, 2017 (in thousands): Allowance: Individually evaluated for impairment Allowance: Collectively evaluated for impairment Ending balance Loans held for investment: Individually evaluated for impairment Loans held for investment: Collectively evaluated for impairment Ending balance One-to-four family $ 555 $ 881 $ 1,436 $ 6,256 $ 151,161 $ 157,417 Home equity 120 173 293 1,028 27,351 28,379 Commercial and multifamily — 1,250 1,250 1,699 209,570 211,269 Construction and land 13 365 378 141 61,341 61,482 Manufactured homes 258 97 355 385 16,726 17,111 Floating homes — 169 169 — 29,120 29,120 Other consumer 43 37 80 194 4,708 4,902 Commercial business 135 237 372 1,000 39,829 40,829 Unallocated — 908 908 — — — Total $ 1,124 $ 4,117 $ 5,241 $ 10,703 $ 539,806 $ 550,509 The following table summarizes the activity in the allowance for loan losses for the year ended December 31, 2018 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to-four family $ 1,436 $ — $ 1 $ (123 ) $ 1,314 Home equity 293 (7 ) 44 (128 ) 202 Commercial and multifamily 1,250 — — 388 1,638 Construction and land 378 — — 53 431 Manufactured homes 355 (12 ) — 84 427 Floating homes 169 — — 96 265 Other consumer 80 (31 ) 12 51 112 Commercial business 372 — 1 (17 ) 356 Unallocated 908 — — 121 1,029 $ 5,241 $ (50 ) $ 58 $ 525 $ 5,774 The following table summarizes the activity in the allowance for loan losses for the year ended December 31, 2017 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to-four family $ 1,542 $ — $ — $ (106 ) $ 1,436 Home equity 378 (89 ) 33 (29 ) 293 Commercial and multifamily 1,144 (24 ) 1 129 1,250 Construction and land 459 — — (81 ) 378 Manufactured homes 168 (12 ) 8 191 355 Floating homes 132 — — 37 169 Other consumer 112 (18 ) 20 (34 ) 80 Commercial business 175 — — 197 372 Unallocated 712 — — 196 908 $ 4,822 $ (143 ) $ 62 $ 500 $ 5,241 Credit Quality Indicators. Federal regulations provide for the classification of lower quality loans as substandard, doubtful or loss. A loan is considered substandard if it is inadequately protected by the current net worth and pay capacity of the borrower or of any collateral pledged. Substandard loans include those characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Loans classified as doubtful have all the weaknesses of currently existing facts, conditions and values. Loans classified as loss are those considered uncollectible and of such little value that their continuance as assets without establishment of a specific loss reserve is not warranted. When the Company classifies problem loans as either substandard or doubtful, it may establish a specific allowance in an amount it deems prudent to address the risk specifically (if the loan is impaired) or it may allow the loss to be addressed in the general allowance (if the loan is not impaired). General allowances represent loss reserves which have been established to recognize the inherent risk associated with lending activities, but which, unlike specific allowances, have not been specifically allocated to particular problem assets. When the Company classifies problem loans as a loss, it charges off such loans in the period in which they are deemed uncollectible. Loans that do not currently expose the Company to sufficient risk to warrant classification as substandard or doubtful but possess identified weaknesses are classified as either watch or special mention loans. The Company's determination as the classification of its loans and the amount of its valuation allowances is subject to review by the FDIC, which can order the establishment of additional loss allowances. Pass rated loans are loans that are not otherwise classified or criticized. The following table represents the internally assigned grades as of December 31, 2018 , by type of loan (in thousands): One-to-four family Home equity Commercial and multifamily Construction and land Manufactured homes Floating homes Other consumer Commercial business Total Grade: Pass $ 163,655 $ 27,150 $ 246,907 $ 55,916 $ 19,860 $ 40,806 $ 6,576 $ 35,876 $ 596,746 Watch — — 1,139 5,968 — — — 689 7,796 Special Mention — — 2,497 3,252 — — — 367 6,116 Substandard 6,175 505 2,101 123 285 — 52 1,872 11,113 Doubtful — — — — — — — — — Loss — — — — — — — — — Total $ 169,830 $ 27,655 $ 252,644 $ 65,259 $ 20,145 $ 40,806 $ 6,628 $ 38,804 $ 621,771 The following table represents the internally assigned grades as of December 31, 2017 , by type of loan (in thousands): One-to-four family Home equity Commercial and multifamily Construction and land Manufactured homes Floating homes Other consumer Commercial business Total Grade: Pass $ 153,793 $ 27,493 $ 199,887 $ 61,390 $ 16,877 $ 29,120 $ 4,708 $ 39,089 $ 532,357 Watch 244 — 9,683 — — — — 827 10,754 Special Mention 137 — 357 — — — — 784 1,278 Substandard 3,243 886 1,342 92 234 — 194 129 6,120 Doubtful — — — — — — — — — Loss — — — — — — — — — Total $ 157,417 $ 28,379 $ 211,269 $ 61,482 $ 17,111 $ 29,120 $ 4,902 $ 40,829 $ 550,509 Nonaccrual and Past Due Loans . Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are automatically placed on nonaccrual once the loan is ninety days past due or if, in management's opinion, the borrower may be unable to meet payment of obligations as they become due, as well as when required by regulatory provisions. The following table presents the recorded investment in nonaccrual loans as of December 31, 2018 and 2017 , by type of loan (in thousands): 2018 2017 One-to-four family $ 1,075 $ 791 Home equity 360 722 Other consumer — 8 Commercial and multifamily 534 201 Construction and land 123 92 Manufactured homes 214 206 Commercial 235 129 Total $ 2,541 $ 2,149 The following table represents the aging of the recorded investment in past due loans as of December 31, 2018 , by type of loan (in thousands): 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Recorded Investment > 90 Days and Accruing Total Past Due Current Total Loans One-to-four family $ 1,362 $ 167 $ 514 $ — $ 2,043 $ 167,787 $ 169,830 Home equity 298 149 284 — 731 26,924 27,655 Commercial and multifamily 139 — 353 — 492 252,152 252,644 Construction and land 650 — 50 — 700 64,559 65,259 Manufactured homes 78 129 199 — 406 19,739 20,145 Floating homes — — — — — 40,806 40,806 Other consumer 11 5 — — 16 6,612 6,628 Commercial business 228 177 122 — 527 38,277 38,804 Total $ 2,766 $ 627 $ 1,522 $ — $ 4,915 $ 616,856 $ 621,771 The following table represents the aging of the recorded investment in past due loans as of December 31, 2017 , by type of loan (in thousands): 30-59 Days Past Due 60-89 Days Past Due Greater Than 90 Days Past Due Recorded Investment > 90 Days and Accruing Total Past Due Current Total Loans One-to-four family $ 2,092 $ 1,819 $ 727 $ — $ 4,638 $ 152,779 $ 157,417 Home equity 521 5 633 — 1,159 27,220 28,379 Commercial and multifamily 313 — — — 313 210,956 211,269 Construction and land 51 — 92 — 143 61,339 61,482 Manufactured homes 185 50 197 — 432 16,679 17,111 Floating homes — — — — — 29,120 29,120 Other consumer 15 — — — 15 4,887 4,902 Commercial business 400 — — — 400 40,429 40,829 Total $ 3,577 $ 1,874 $ 1,649 $ — $ 7,100 $ 543,409 $ 550,509 Nonperforming Loans. Loans are considered nonperforming when they are placed on nonaccrual and/or when they are considered to be nonperforming TDRs and/or when they are 90 days or greater past due. Nonperforming TDRs include TDRs that do not have sufficient payment history (typically greater than 6 months ) to be considered performing or TDRs that have become 31 or more days past due. The following table represents the credit risk profile based on payment activity as of December 31, 2018 , by type of loan (in thousands): One-to-four family Home equity Commercial and multifamily Construction and land Manufactured homes Floating homes Other consumer Commercial business Total Performing $ 168,710 $ 27,296 $ 252,110 $ 65,136 $ 19,931 $ 40,806 $ 6,628 $ 38,487 $ 619,104 Nonperforming 1,120 359 534 123 214 — — 317 2,667 Total $ 169,830 $ 27,655 $ 252,644 $ 65,259 $ 20,145 $ 40,806 $ 6,628 $ 38,804 $ 621,771 The following table represents the credit risk profile based on payment activity as of December 31, 2017 , by type of loan (in thousands): One-to-four family Home equity Commercial and multifamily Construction and land Manufactured homes Floating homes Other consumer Commercial business Total Performing $ 156,580 $ 27,657 $ 211,068 $ 61,390 $ 16,905 $ 29,120 $ 4,894 $ 40,612 $ 548,226 Nonperforming 837 722 201 92 206 — 8 217 2,283 Total $ 157,417 $ 28,379 $ 211,269 $ 61,482 $ 17,111 $ 29,120 $ 4,902 $ 40,829 $ 550,509 Impaired Loans . A loan is considered impaired when the Company has determined that it may be unable to collect payments of principal or interest when due under the terms of the loan. In the process of identifying loans as impaired, the Company takes into consideration factors which include payment history and status, collateral value, financial condition of the borrower, and the probability of collecting scheduled payments in the future. Minor payment delays and insignificant payment shortfalls typically do not result in a loan being classified as impaired. The significance of payment delays and shortfalls is considered on a case by case basis, after taking into consideration the totality of circumstances surrounding the loans and the borrowers, including payment history and amounts of any payment shortfall, length and reason for delay, and likelihood of return to stable performance. Impairment is measured on a loan by loan basis for all loans in the portfolio. All TDRs are also classified as impaired loans and are included in the loans individually evaluated for impairment in the calculation of the allowance for loan losses. Impaired loans at December 31, 2018 and 2017 , by type of loan were as follows (in thousands): December 31, 2018 Recorded Investment Unpaid Principal Balance Without Allowance With Allowance Total Recorded Investment Related Allowance One-to-four family $ 2,894 $ 1,085 $ 1,675 $ 2,760 $ 228 Home equity 520 359 81 440 25 Commercial and multifamily 702 702 — 702 — Construction and land 163 123 40 163 8 Manufactured homes 430 — 424 424 299 Other consumer 156 — 157 157 64 Commercial business 1,192 659 533 1,192 112 Total $ 6,057 $ 2,928 $ 2,910 $ 5,838 $ 736 December 31, 2017 Recorded Investment Unpaid Principal Balance Without Allowance With Allowance Total Recorded Investment Related Allowance One-to-four family $ 6,562 $ 3,197 $ 3,059 $ 6,256 $ 555 Home equity 1,149 677 351 1,028 120 Commercial and multifamily 1,722 1,699 — 1,699 — Construction and land 141 100 41 141 13 Manufactured homes 409 23 362 385 258 Other consumer 194 125 69 194 43 Commercial business 1,017 784 216 1,000 135 Total $ 11,194 $ 6,605 $ 4,098 $ 10,703 $ 1,124 Income on impaired loans for the year ended December 31, 2018 and 2017 , by type of loan were as follows (in thousands): Year Ended December 31, 2018 Year Ended December 31, 2017 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized One-to-four family $ 4,704 $ 214 $ 5,514 $ 320 Home equity 740 29 931 38 Commercial and multifamily 2,564 140 1,643 96 Construction and land 726 95 112 4 Manufactured homes 414 35 349 29 Other consumer 169 9 129 10 Commercial business 1,854 140 809 62 Total $ 11,171 $ 662 $ 9,487 $ 559 Forgone interest on nonaccrual loans was $172,000 and $33,000 for the year ended December 31, 2018 and 2017 , respectively. There were no commitments to lend additional funds to borrowers whose loans were classified as nonaccrual, TDR or impaired at December 31, 2018 and 2017 . Troubled debt restructurings. Loans classified as TDRs totaled $2.8 million and $3.7 million at December 31, 2018 and 2017 , respectively, and are included in impaired loans. A TDR is a loan to a borrower that is experiencing financial difficulty that has been modified from its original terms and conditions in such a way that the Company is granting the borrower a concession of some kind. The Company has granted, in its TDRs, a variety of concessions to borrowers in the form of loan modifications. The modifications granted can generally be described in the following categories: Rate Modification : A modification in which the interest rate is changed. Term Modification : A modification in which the maturity date, timing of payments or frequency of payments is changed. Payment Modifications: A modification in which the dollar amount of the payment is changed. Interest only modifications in which a loan is converted to interest only payments for a period of time are included in this category. Combination Modification : Any other type of modification, including the use of multiple categories above. There were six loans totaling $695,000 , that were modified as a TDR during the year ended December 31, 2018 . The following TDR loans were paid off during the year ended December 31, 2018 : two one-to-four family residential loans totaling $1.4 million and two home equity loans totaling $95,000 . In addition to the aforementioned payoffs, there was a charge-off of one manufactured home TDR loan totaling $11,000 during the year ended December 31, 2018. There was one post-modification change of $11,000 charge-offs in manufactured home loans, that was recorded as a result of the TDRs for the year ended December 31, 2018 . There were no post-modification changes for the unpaid principal balance in loans, net of partial charge-offs, that were recorded as a result of the TDRs for the year ended December 31, 2017 . There were three TDRs totaling $362,000 for which there was a payment default within the first 12 months of modification during the year ended December 31, 2018 . There were no TDRs for which there was a payment default within the first 12 months of modification during the year ended December 31, 2017. In the ordinary course of business, the Company makes loans to its directors and officers. Certain loans to directors, officers, and employees are offered at discounted rates as compared to other clients as permitted by federal regulations. Employees, officers, and directors are eligible for mortgage loans with an adjustable rate that resets annually to 1% over the rolling cost of funds. Employees and officers are eligible for consumer loans that are 1% below the market loan rate at the time of origination. Director and officer loans are summarized as follows (in thousands): December 31, 2018 2017 Balance, beginning of period $ 4,012 $ 3,180 Advances 291 248 New / (reclassified) loans, net (1) (526 ) 1,387 Repayments (407 ) (803 ) Balance, end of period $ 3,370 $ 4,012 (1) Reclassified loans relate to changes in related parties during the year. At December 31, 2018 and 2017 , loans totaling $5.8 million and $8.1 million , respectively, represented real estate secured loans that had current loan-to-value ratios above supervisory guidelines.

Mortgage Servicing Rights

Mortgage Servicing Rights	12 Months Ended
	Dec. 31, 2018
Transfers and Servicing [Abstract]
Mortgage Servicing Rights	Mortgage Servicing Rights The unpaid principal balances of loans serviced for Federal National Mortgage Association ("Fannie Mae") at December 31, 2018 and 2017 , totaled $352.2 million and $361.1 million , respectively, and are not included in the Company's consolidated financial statements. We also service loans for other financial institutions for which a servicing fee is received. The unpaid principal balances of loans serviced for other financial institutions at December 31, 2018 and 2017 , totaled $2.2 million and $19.9 million , respectively, and are not included in the Company's financial statements. In addition to the foregoing, there were $24.3 million and $31.5 million of loans from Fannie Mae and other financial institutions not included in the Company's financial statements at December 31, 2018 and 2017 , respectively, for which we outsource the servicing and pay a fee to third party. A summary of the change in the balance of mortgage servicing assets at December 31, 2018 and 2017 is as follows (in thousands): At December 31, 2018 2017 Beginning balance, at fair value $ 3,426 $ 3,561 Servicing rights that result from transfers and sale of financial assets 482 277 Changes in fair value: Due to changes in model inputs or assumptions (1) (494 ) (412 ) Ending balance, at fair value $ 3,414 $ 3,426 (1) Represents changes due to collection/realization of expected cash flows and curtailments. The key economic assumptions used in determining the fair value of mortgage servicing rights at the dates indicated are as follows: At December 31, 2018 2017 Prepayment speed (Public Securities Association "PSA" model) 123 % 160 % Weighted-average life 7.7 years 6.9 years Yield to maturity discount rate 12.5 % 13.0 % The amounts of contractually specified servicing, late and ancillary fees earned and recorded, net of fair value market adjustments to the mortgage servicing rights, are included in mortgage servicing income on the Consolidated Statements of Income which were $562,000 and $566,000 , for the years ended December 31, 2018 and 2017 , respectively.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Premises and Equipment	Premises and Equipment Premises and equipment at December 31, 2018 and 2017 are summarized as follows (in thousands): At December 31, 2018 2017 Land $ 920 $ 920 Buildings and improvements 6,393 6,302 Furniture and equipment 5,203 4,715 Less: Accumulated depreciation and amortization (5,472 ) (4,545 ) Premises and equipment, net $ 7,044 $ 7,392 Depreciation and amortization expense was $989,000 and $943,000 , for the years ended December 31, 2018 and 2017 , respectively. The Company leases office space in several buildings. Generally, operating leases contain renewal options and provisions requiring the Company to pay property taxes and operating expenses over base period amounts. All rental payments are dependent only upon the lapse of time. Minimum rental payments under non-cancelable operating leases with initial or remaining terms of one year or more are as follows (in thousands): Year Ended December 31, Amount 2019 $ 1,085 2020 1,043 2021 986 2022 960 2023 931 Thereafter 4,820 $ 9,825 The total rental expense for the years ended December 31, 2018 and 2017 for all facilities leased under operating leases was approximately $1.4 million and $1.1 million , respectively.

Other Real Estate Owned and Rep

Other Real Estate Owned and Repossessed Assets	12 Months Ended
	Dec. 31, 2018
Real Estate [Abstract]
Other Real Estate Owned and Repossessed Assets	Other Real Estate Owned and Repossessed Assets The following table presents activity related to OREO and other repossessed assets for the periods shown (in thousands): Year Ended December 31, 2018 2017 Beginning balance $ 610 $ 1,172 Additions to OREO and repossessed assets 55 — Sales (16 ) (468 ) Write-downs/Losses (74 ) (94 ) $ 575 $ 610

Deposits

Deposits	12 Months Ended
	Dec. 31, 2018
Deposits [Abstract]
Deposits	Deposits A summary of deposit accounts with the corresponding weighted average cost of funds at December 31, 2018 and 2017 , are presented below (dollars in thousands): As of December 31, 2018 As of December 31, 2017 Deposit Balance Wtd. Avg Rate Deposit Balance Wtd. Avg Rate Noninterest-bearing demand $ 93,823 — % $ 69,094 — % Interest-bearing demand 164,919 0.47 173,413 0.43 Savings 54,102 0.29 49,450 0.21 Money market 46,689 0.24 54,860 0.21 Certificates 191,825 1.58 164,554 1.33 Escrow (1) 2,243 — 3,029 — Total $ 553,601 0.71 % $ 514,400 0.61 % (1) Escrow balances shown in noninterest-bearing deposits on the consolidated balance sheets. Scheduled maturities of time deposits at December 31, 2018 , are as follows (in thousands): Year Ending December 31, Amount 2019 $ 110,749 2020 53,052 2021 16,129 2022 8,509 Thereafter 3,386 $ 191,825 Savings, demand, and money market accounts have no contractual maturity. Certificates of deposit have maturities of five years or less. The aggregate amount of time deposits in denominations of more than $250,000 at December 31, 2018 and 2017 , was approximately $52.7 million and $47.1 million , respectively. Deposits in excess of $250,000 are not federally insured. There were no brokered deposits outstanding at December 31, 2018 compared to $512,000 at December 31, 2017. Deposits from related parties held by the Company were $2.8 million and $1.7 million at December 31, 2018 and 2017 , respectively.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
Borrowings	Borrowings The Company utilizes a loan agreement with the FHLB. The terms of the agreement call for a blanket pledge of a portion of the Company's mortgage and commercial and multifamily portfolio based on the outstanding balance. At December 31, 2018 and 2017 , the amount available to borrow under this credit facility was $321.5 million and $217.6 million , respectively. At December 31, 2018 , the credit facility was collateralized as follows: one- to four- family mortgage loans with an advance equivalent of $128.4 million , commercial and multifamily mortgage loans with an advance equivalent of $119.8 million and home equity loans with an advance equivalent of $6.3 million . At December 31, 2017 , the credit facility was collateralized as follows: one- to four- family mortgage loans with an advance equivalent of $111.5 million , commercial and multifamily mortgage loans with an advance equivalent of $103.0 million and home equity loans with an advance equivalent of $15.2 million . The Company had outstanding borrowings under this arrangement of $84.0 million and $59.0 million at December 31, 2018 and 2017 , respectively. The weighted-average interest rate of our borrowings was 2.72% at December 31, 2018 and was 1.63% at December 31, 2017 . Additionally, the Company had outstanding letters of credit from the FHLB of Des Moines with a notional amount of $14.5 million both at December 31, 2018 and 2017 , respectively, to secure public deposits. The remaining amount available to borrow as of December 31, 2018 and 2017 , was $156.0 million and $144.1 million , respectively. Overnight federal funds with contractual principal repayments of $59.0 million , with a weighted-average interest rate of 2.63% and a Repo with contractual principal repayments of $8.8 million , with a weighted-average interest rate of 2.85% at December 31, 2018 , are due within one year. Fixed rate advances of $8.8 million , with a weighted-average interest rate of 2.96% are due within a year and $7.5 million , with a weighted-average interest rate of 3.05% , are due in one through three years. The maximum amount outstanding from the FHLB under term advances at month-end during 2018 was $99.5 million and during 2017 was $61.5 million . The average balance outstanding was $69.9 million during 2018 and $29.8 million during 2017 . The weighted-average interest rate on the borrowings was 2.18% in 2018 and 1.16% in 2017 . As a member of the FHLB system, the Bank is required to maintain a minimum level of investment in the FHLB of Des Moines stock based on specific percentages of its outstanding FHLB advances. At December 31, 2018 and 2017 , the Company had an investment of $4.1 million and $3.1 million , respectively, in FHLB of Des Moines stock. The Company participates in the Federal Reserve Bank ("FRB") Borrower-in-Custody program, which gives the Company access to the discount window. The terms of the program call for a pledge of specific assets. The Company pledges commercial and consumer loans as collateral for this line of credit. The Company had unused borrowing capacity of $47.3 million and $51.2 million and no outstanding borrowings under this program at December 31, 2018 and 2017 , respectively. The Company has access to an unsecured Fed Funds line of credit from the Pacific Coast Banker's Bank. The line has a one -year term maturing on June 30, 2019 and is renewable annually. As of December 31, 2018 , the amount available under this line of credit was $2.0 million . There was no balance on this line of credit as of December 31, 2018 and 2017 , respectively. The Company has access to a Fed Funds line of credit from Zions Bank under a Fed Funds Sweep and Line Agreement. The agreement allows access to a Fed Funds Line of up to $9.0 million and requires the Company to maintain cash balances with Zions Bank of $250,000 . The agreement may be terminated by either party. There was no balance on this line of credit as of December 31, 2018 and 2017 , respectively. The Company has access to an unsecured Fed Funds line of credit from The Independent Bank (TIB). As of December 31, 2018 , the amount available under this line of credit was $10.0 million . The agreement may be terminated by either party. There was no balance on this line of credit as of December 31, 2018 and 2017 , respectively.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements On January 1, 2018, the Company adopted ASU 2016-01, which requires us to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes. The Company determines the fair values of its financial instruments based on the requirements established in ASC 820, Fair Value Measurements , which provides a framework for measuring fair value in accordance with U.S. GAAP and requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. ASC 820 defines fair values for financial instruments as the exit price, the price that would be received for an asset or paid to transfer a liability, in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date under current market conditions. The Company’s fair values for financial instruments at December 31, 2018 were determined based on these requirements. The following methods and assumptions were used to estimate the fair value of other financial instruments: Cash and cash equivalents - The estimated fair value is equal to the carrying amount. Available-for-Sale Securities - Available-for-sale securities are recorded at fair value based on quoted market prices, if available. If quoted market prices are not available, management utilizes third-party pricing services or broker quotations from dealers in the specific instruments. Level 2 securities include those traded on an active exchange, as well as U.S. government securities. Loans Held-for-Sale - Residential mortgage loans held-for-sale are recorded at the lower of cost or fair value. The fair value of fixed-rate residential loans is based on whole loan forward prices obtained from government sponsored enterprises. At December 31, 2018 and 2017 , loans held-for-sale were carried at cost, as no impairment was required. Loans Held for Portfolio - The estimated fair value of loans consists of a credit adjustment to reflect the estimated adjustment to the carrying value of the loans due to credit-related factors and a yield adjustment, to reflect the estimated adjustment to the carrying value of the loans due to a differential in yield between the portfolio loan yields and estimated current market rate yields on loans with similar characteristics. Mortgage Servicing Rights -The fair value of mortgage servicing rights is determined through a discounted cash flow analysis, which uses interest rates, prepayment speeds, discount rates, and delinquency rate assumptions as inputs. FHLB stock - The estimated fair value is equal to the par value of the stock. Non-maturity deposits - The estimated fair value is equal to the carrying amount. Time deposits - The estimated fair value of time deposits is based on the difference between interest costs paid on the Company's time deposits and current market rates for time deposits with comparable characteristics. Borrowings - The fair value of borrowings are estimated using the Company’s current incremental borrowing rates for similar types of borrowing arrangements. A description of the valuation methodologies used for impaired loans and OREO is as follows: Impaired Loans - The fair value of collateral dependent loans is based on the current appraised value of the collateral less estimated costs to sell, or internally developed models utilizing a calculation of expected discounted cash flows which contain management’s assumptions. OREO and Repossessed Assets - The fair value of OREO and repossessed assets is based on the current appraised value of the collateral less estimated costs to sell. Off-balance sheet financial instruments - The fair value for the Company's off-balance sheet loan commitments are estimated based on fees charged to others to enter into similar agreements taking into account the remaining terms of the agreements and credit standing of the Company's clients. The estimated fair value of these commitments is not significant. The following tables present information about the level in the fair value hierarchy for the Company's financial instruments as of December 31, 2018 and 2017 (in thousands): December 31, 2018 Fair Value Measurements Using: Carrying Value Estimated Fair Value Level 1 Level 2 Level 3 FINANCIAL ASSETS: Cash and cash equivalents $ 61,810 $ 61,810 $ 61,810 $ — $ — Available for sale securities 4,957 4,957 — 4,957 — Loans held-for-sale 1,172 1,172 — 1,172 — Loans held for portfolio, net (1) 613,769 613,371 — — 613,371 Mortgage servicing rights 3,414 3,414 — — 3,414 FHLB Stock 4,134 4,134 — 4,134 — FINANCIAL LIABILITIES: Non-maturity deposits 361,776 361,776 — 361,776 — Time deposits (1) 191,825 191,679 — 191,679 — Borrowings 84,000 84,000 — 84,000 — December 31, 2017 Fair Value Measurements Using: Carrying Value Estimated Fair Value Level 1 Level 2 Level 3 FINANCIAL ASSETS: Cash and cash equivalents $ 60,680 $ 60,680 $ 60,680 $ — $ — Available for sale securities 5,435 5,435 — 5,435 — Loans held-for-sale 1,777 1,777 — 1,777 — Loans held for portfolio, net (1) 543,354 543,400 — — 543,400 Mortgage servicing rights 3,426 3,426 — — 3,426 FHLB Stock 3,065 3,065 — 3,065 — FINANCIAL LIABILITIES: Non-maturity deposits 349,846 349,846 — 349,846 — Time deposits (1) 164,554 163,485 — 163,485 — Borrowings 59,000 59,000 — 59,000 — (1) The estimated fair values of loans held for portfolio, net and time deposits for December 31, 2018 reflect exit price assumptions. The December 31, 2017 fair value estimates are not based on exit price assumptions. The following tables present the balance of assets measured at fair value on a recurring basis as of December 31, 2018 and 2017 (in thousands): Fair Value at December 31, 2018 Description Total Level 1 Level 2 Level 3 Municipal bonds $ 3,317 $ — $ 3,317 $ — Agency mortgage-backed securities 1,640 — 1,640 — Mortgage servicing rights 3,414 — — 3,414 Fair Value at December 31, 2017 Description Total Level 1 Level 2 Level 3 Municipal bonds $ 3,369 $ — $ 3,369 $ — Agency mortgage-backed securities 2,066 — 2,066 — Mortgage servicing rights 3,426 — — 3,426 For the years ended December 31, 2018 and 2017, there were no transfers between Level 1 and Level 2 or between Level 2 and Level 3. The following table provides a description of the valuation technique, unobservable input, and qualitative information about the unobservable inputs for the Company's assets and liabilities classified as Level 3 and measured at fair value on a recurring basis at December 31, 2018 : Financial Instrument Valuation Technique Unobservable Input(s) Range (Weighted Average) Mortgage Servicing Rights Discounted cash flow Prepayment speed assumption 80-515% (123%) Discount rate 13%-14% (12.5%) The following table provides a description of the valuation technique, unobservable input, and qualitative information about the unobservable inputs for the Company's assets and liabilities classified as Level 3 and measured at fair value on a recurring basis at December 31, 2017 : Financial Instrument Valuation Technique Unobservable Input(s) Range (Weighted Average) Mortgage Servicing Rights Discounted cash flow Prepayment speed assumption 103-412% (160%) Discount rate 13%-15% (12.5%) Generally, any significant increases in the constant prepayment rate and discount rate utilized in the fair value measurement of the mortgage servicing rights will result in a negative fair value adjustment (and decrease in the fair value measurement). Conversely, a decrease in the constant prepayment rate and discount rate will result in a positive fair value adjustment (and increase in the fair value measurement). An increase in the weighted average life assumptions will result in a decrease in the constant prepayment rate and conversely, a decrease in the weighted average life will result in an increase of the constant prepayment rate. There were no assets or liabilities (excluding mortgage servicing rights) measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the year ended December 31, 2018 . The following table provides a reconciliation of assets and liabilities (excluding mortgage servicing rights) measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the year ended December 31, 2017 (in thousands): 2017 Beginning balance, at fair value $ 347 OTTI impairment losses — Sales, redemptions and principal payments (347 ) Change in unrealized loss — Ending balance, at fair value $ — Mortgage servicing rights are measured at fair value using significant unobservable input (Level 3) on a recurring basis and a reconciliation of this asset can be found in Note 6 – Mortgage Servicing Rights. The following table presents the balance of assets measured at fair value on a nonrecurring basis and the total losses resulting from these fair value adjustments (in thousands): Fair Value at December 31, 2018 Description Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 575 $ — $ — $ 575 Impaired loans 5,838 — — 5,838 Fair Value at December 31, 2017 Description Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 610 $ — $ — $ 610 Impaired loans 10,703 — — 10,703 There were no liabilities carried at fair value, measured on a recurring or nonrecurring basis, at December 31, 2018 or December 31, 2017 . The following table provides a description of the valuation technique, observable input, and qualitative information about the unobservable inputs for the Company's assets and liabilities classified as Level 3 and measured at fair value on a nonrecurring basis at December 31, 2018 : Financial Instrument Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) OREO Market approach Adjusted for difference between comparable sales 0-0% (0%) Impaired loans Market approach Adjusted for difference between comparable sales 0-100% (13%) The following table provides a description of the valuation technique, observable input, and qualitative information about the unobservable inputs for the Company's assets and liabilities classified as Level 3 and measured at fair value on a nonrecurring basis at December 31, 2017 : Financial Instrument Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) OREO Market approach Adjusted for difference between comparable sales 0-0% (0%) Impaired loans Market approach Adjusted for difference between comparable sales 0-100% (8%)

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share Basic earnings per common share is computed by dividing net income by the weighted-average number of common shares outstanding for the period, reduced for average unallocated ESOP shares and average unvested restricted stock awards. 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, described in the Accounting Standard Codification for Earnings Per Share. Diluted earnings per common share reflect the potential dilution that could occur if securities or other contracts to issue common stock (such as stock awards and options) were exercised or converted to common stock or resulted in the issuance of common stock that then shared in the Company’s earnings. Diluted earnings per common share is computed by dividing net income by the weighted-average number of common shares outstanding for the period increased for the dilutive effect of unexercised stock options and unvested restricted stock awards. The dilutive effect of the unexercised stock options and unvested restricted stock awards is calculated under the treasury stock method utilizing the average market value of the Company's stock for the period. Earnings per share are summarized for the periods presented in the following table (in thousands, except per share data): Year Ended December 31, 2018 2017 Net income $ 7,039 $ 5,125 Weighted average number of shares outstanding, basic 2,498 2,504 Effect of potentially dilutive common shares 69 64 Weighted average number of shares outstanding, diluted 2,567 2,568 Earnings per share, basic $ 2.82 $ 2.05 Earnings per share, diluted $ 2.74 $ 2.00 There were no anti-dilutive securities at December 31, 2018 or 2017 .

Employee Benefits

Employee Benefits	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Employee Benefits	Employee Benefits The Company has a 401(k) retirement plan that allows employees to defer a portion of their salary into the 401(k) plan. The Company matches a portion of employees' salary deferrals. 401(k) costs are accrued and funded on a current basis. The Company contributed $172,000 and $132,000 to the plan for the years ended December 31, 2018 and 2017 , respectively. The Bank maintains a deferred compensation account for the benefit of Ms. Stewart, which account was established in 1994 in connection with an incentive plan which is no longer active. Ms. Stewart was fully vested in her benefits under this plan as of January 2005. Pursuant to the terms of the plan, payments in an amount equal to the fair market value of the assets in the deferred compensation account shall be made to Ms. Stewart (or to her designated beneficiary in the event of her death) in 120 equal monthly installments commencing on the last day of the month following the month in which her employment with the Bank is terminated. In the event of the death of Ms. Stewart and her designated beneficiary prior to the account being fully paid, the remaining value of the account shall be paid in a lump sum to the beneficiary’s estate. The assets in the deferred compensation account consist of cash which is held in a certificate of deposit at the Bank and earns interest at market rates. At December 31, 2018 , the amounts held in the certificates of deposit at the Bank were $104,000 , compared to $103,000 at December 31, 2017 . The Bank maintains a nonqualified deferred compensation plan (the “NQDC Plan”), which was effective on January 1, 2017. The purpose of the NQDC Plan is to provide a select group of management or highly-compensated employees of the Bank with an opportunity to defer the receipt of up to eighty percent ( 80% ) of their annual base salary, bonus, performance-based compensation and any commission income and to assist the Company in attracting, retaining and motivating employees of high caliber and experience. In addition to elective deferrals, the Bank may make discretionary and other contributions to be credited to the account of any or all participants, subject to the vesting requirements set forth in the NQDC Plan. Discretionary contributions by the Bank become 100% vested upon the completion of three years of service from a participant’s effective date of participation in the NQDC Plan (with accelerated vesting upon death, disability or a change in control), while other Bank contributions (including matching contributions) vest at the rate of 20% per year, beginning with the participant’s two-year anniversary of his or her date of hire. The board of directors of the Bank agreed that in the event Ms. Stewart has a separation from service prior to January 1, 2020, the date she becomes vested in her discretionary contributions, then the Bank shall amend the NQDC Plan to provide for immediate vesting as of the date of the separation from service. During both the years ended December 31, 2018 , and 2017, the Bank made discretionary contributions to the 2017 NQDC Plan in the amount of $75,000 . Each participant’s deferred compensation account is credited with an investment return determined as if the account was invested in one or more investment funds. Each participant elects the investment funds in which his or her account shall be deemed to be invested. Distributions of vested account balances are made upon death, disability, separation from service, or a specified in-service date unforeseeable emergency. Distributions shall be made in a single cash payment or, at the election of the participant, in annual installments for a period of up to ten ( 10 ) years in the case of a separation from service and in annual installments for a period of up to five ( 5 ) years in the case of an in-service distribution. The obligations of the Bank under the NQDC Plan are general unsecured obligations of the Bank to pay deferred compensation in the future to eligible participants in accordance with the terms of the NQDC Plan from the general assets of the Bank, although the Bank may establish a trust to hold amounts which the Bank may use to satisfy NQDC Plan distributions from time to time. Distributions from the NQDC Plan are governed by the Internal Revenue Code and the NQDC Plan. The Company may, at any time, in its sole discretion, terminate the NQDC Plan or amend or modify the NQDC Plan, in whole or in part, except that no such termination, amendment or modification shall have any retroactive effect to reduce any amounts deemed to be accrued and vested prior to such amendment. Supplemental Executive Retirement Plans. The Company maintains two supplemental executive retirement plans for the benefit of Ms. Stewart, which are intended to be unfunded, non-contributory defined benefit plans maintained primarily to provide her with supplemental retirement income. The first supplemental executive retirement plan ("SERP 1") was effective as of August 2007. The second supplemental executive retirement plan ("SERP 2") was effective as of December 30, 2011, at which time the benefits under SERP 1 were frozen. At that time, the Company also entered into a Confidentiality, Non-Competition, and Non-Solicitation Agreement with Ms. Stewart, which is discussed below. Under the terms of SERP 1, as amended, Ms. Stewart is entitled to receive $53,320 per year for life commencing on the first day of the month following her separation from service (as defined in SERP 1) for any reason from Sound Community Bank. No payments will be made under SERP 1 in the event of Ms. Stewart's death and any payments that have commenced will cease upon death. In the event Ms. Stewart is involuntarily terminated in connection with a change in control (as defined in SERP 1), she will be entitled to receive the annual benefit described in the first sentence of this paragraph commencing upon such termination (subject to any applicable cutback for payments after a change in control as required by Section 280G of the Internal Revenue Code). Under the terms of SERP 2, as amended, upon Ms. Stewart's termination of employment with Sound Community Bank for any reason other than death, she will be entitled to receive additional retirement benefits of $96,390 per year for life commencing on the first day of the month following the later of age 70 or her separation from service (as defined in SERP 2) from Sound Community Bank. In the event of Ms. Stewart's death, her beneficiary will be entitled to a single lump sum payment within 90 days thereafter in an amount equal to the account value as of the death benefit valuation date, or approximately $1.2 million at December 31, 2018 . If a change in control occurs (as defined in SERP 2), Ms. Stewart will receive her full retirement benefit under SERP 2 commencing upon the first day of the month following her separation from service from Sound Community Bank. Confidentiality, Non-Competition, and Non-Solicitation Agreement. On January 25, 2019, the Bank entered into an Amended and Restated Confidentiality, Non-competition, and Non-solicitation Agreement (the “Amended Non-compete Agreement”) with Ms. Stewart. This Amended Non-compete Agreement amends and restates the Confidentiality, Non-Competition, and Non-Solicitation Agreement between the Bank and Ms. Stewart as originally adopted effective December 30, 2011, as amended and restated on November 23, 2015. The Amended Non-Compete Agreement provides that the term of the non-compete and non-solicitation periods applicable to Ms. Stewart is a fixed period of 36 months from the date of Ms. Stewart’s separation from service with the Company and the Bank (the “Restricted Period”). Under the terms of the Amended Non-compete Agreement, upon Ms. Stewart's termination of employment by the Bank for cause or voluntarily by Ms. Stewart (other than for good reason), Ms. Stewart will be entitled to receive a bi-monthly payment, in an amount equal to Three Thousand Five Hundred Forty-Two Dollars ( $3,542 ), which amount shall be paid in equal bi-monthly payments during the Restricted Period beginning on the fifth day of the month following her separation from service with the Bank. Upon Ms. Stewart’s termination of employment with the Bank for any reason other than set forth in the preceding sentence, she will be entitled to receive an amount equal to 150% of her then-base salary plus the average of her past three years short term bonus pay, or approximately $804,000 at December 31, 2018, payable in 12 monthly installments beginning on the first day of the month following her termination. If Ms. Stewart breaches any of the covenants contained in the Amended Non-compete Agreement, her right to any of the payments specified above after the date of the breach shall be forever forfeited. Notwithstanding the foregoing, under her Amended Non-compete Agreement, if Ms. Stewart’s employment with the Bank is involuntarily terminated or she terminates her employment with the Bank for good reason at any time within 24 months following a change in control, Ms. Stewart will be entitled to receive an amount equal to 150% of her then-base salary plus the average of her past three years short term bonus, payable in a lump sum. Stock Options and Restricted Stock The Company currently has two existing shareholder approved Equity Incentive Plans, the 2008 Equity Incentive Plan (the"2008 Plan") and the Amended and Restated 2013 Equity Incentive Plan (the "2013 Plan"). The Plans permit the grant of restricted stock, restricted stock units, stock options, and stock appreciation rights. The 2008 Plan expired in November 2018 and no further awards may be made under the 2008 Plan; provided, however, all awards outstanding under the 2008 Plan remain outstanding in accordance with their terms. Under the 2013 Plan, 181,750 shares of common stock were approved for awards for stock options and stock appreciation rights and 116,700 shares of common stock were approved for awards for restricted stock and restricted stock units. As of December 31, 2018 , on an adjusted basis, awards for stock options totaling 261,876 shares and awards for restricted stock totaling 107,193 shares of Company common stock have been granted, net of any forfeitures, to participants in the Plan. During the years ended December 31, 2018 and 2017 , share-based compensation expense totaled $273,000 and $523,000 , respectively. Stock Option Awards The stock option awards granted to date under the 2008 Plan vest in 20 percent annual increments commencing one year from the grant date in accordance with the requirements of the 2008 Plan. The stock option awards granted to date under the 2013 Plan vest in equal annual installments of either two or four years. All of the options granted are exercisable for a period of 10 years from the date of grant, subject to vesting. The following is a summary of the Company's stock option plan award activity during the period ended December 31, 2018 : Shares Weighted-Average Exercise Price Weighted-Average Remaining Contractual Term In Years Aggregate Intrinsic Value Outstanding at the beginning of the year 186,363 $ 18.04 6.26 $ 2,977,279 Granted 3,400 36.00 Exercised (49,266 ) 14.92 Forfeited (7,321 ) 17.99 Expired — — Outstanding at December 31, 2018 133,176 19.66 5.89 1,716,306 Exercisable 101,788 18.56 5.60 1,423,658 Expected to vest, assuming a 0% forfeiture rate over the vesting term 31,388 $ 23.23 6.83 $ 292,648 As of December 31, 2018 , there was $56,000 of total unrecognized compensation cost related to non-vested stock options granted under the Plan. The cost is expected to be recognized over the remaining weighted-average vesting period of 0.87 years . The fair value of each option grant is estimated as of the grant date using the Black-Scholes option-pricing model. The fair value of options granted in 2018 was determined using the following weighted-average assumptions as of the grant date. 2018 2017 Annual dividend yield 1.72 % 1.28 % Expected volatility 21.75 % 22.99 % Risk-free interest rate 2.95 % 2.20 % Expected term 6.50 years 6.50 years Weighted-average grant date fair value per option granted $ 7.63 $ 6.62 Restricted Stock Awards The fair value of the restricted stock awards is equal to the fair value of the Company's stock at the date of grant. Compensation expense is recognized over the vesting period that the awards are based. Outstanding restricted stock awards vest over periods of one -to- two years. The following is a summary of the Company's non-vested restricted stock awards for the year ended December 31, 2018 : Non-vested Shares Shares Weighted-Average Grant-Date Fair Value Per Share Aggregate Intrinsic Value Per Share Non-vested at January 1, 2018 11,785 $ 19.05 Granted 323 35.27 Vested (10,907 ) 18.93 Forfeited (343 ) 18.36 Expired — — Non-vested at December 31, 2018 858 26.96 $ 32.55 Expected to vest assuming a 0% forfeiture rate over the vesting term 858 $ 26.96 $ 32.55 As of December 31, 2018 , there was $15,000 of unrecognized compensation cost related to non-vested restricted stock granted under the Plan. The cost is expected to be recognized over the weighted-average vesting period of 2.29 years . The total fair value of shares vested for the years ended December 31, 2018 and 2017 was $206,470 and $263,000 , respectively. Employee Stock Ownership Plan In January 2008, the ESOP borrowed $1.2 million from the Company to purchase common stock of the Company. In August 2012, in conjunction with the Company's conversion to a full stock company from the mutual holding company structure, the ESOP borrowed an additional $1.1 million from the Company to purchase common stock of the Company. The first loan for $1.2 million was paid off in 2017. The remaining loan for $1.1 million is being repaid principally by the Bank through contributions to the ESOP over a period of 10 years . The interest rate on the loan is fixed at 2.25% , per annum. As of December 31, 2018 , the remaining balance of the ESOP loan was $362,000 . Neither the loan balance nor the related interest expense is reflected on the consolidated financial statements. At December 31, 2018 , the ESOP was committed to release 11,340 shares of the Company's common stock to participants and held 34,020 unallocated shares remaining to be released in future years. The funds to purchase shares in the ESOP come from contributions the Bank makes twice a year to the Plan. For the year ended December 31, 2018 , the ESOP trustee purchased 9,858 shares of the Company's common stock for inclusion in the Plan. The fair value of the 171,254 restricted shares held by the ESOP trust was $5.6 million at December 31, 2018 . ESOP compensation expense included in salaries and benefits was $652,000 and $640,000 for the years ended December 31, 2018 and 2017 , respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The provision for income taxes at December 31, 2018 and 2017 was as follows (in thousands): At December 31, 2018 2017 Current $ 1,637 $ 2,962 Deferred 69 (203 ) Rate change — 309 Total tax expense $ 1,706 $ 3,068 On December 22, 2017, the U.S. Government enacted the Tax Act. For businesses, the Tax Act reduces the corporate federal income tax rate from a maximum of 35% to a flat 21% rate. The corporate income tax rate reduction was effective January 1, 2018. The Tax Act required a revaluation of the Company's deferred tax assets and liabilities to account for the future impact of lower corporate tax rates and other provisions of the legislation. As a result of the Company's revaluation, the Company's deferred tax asset was reduced through an increase to the provision for income tax in 2017. A reconciliation of the provision for income taxes for the years ended December 31, 2018 and 2017 , with amounts determined by applying the statutory U.S. federal income tax rate to income before income taxes, is as follows (dollars in thousands): Year Ended December 31, 2018 2017 Provision at statutory rate $ 1,836 $ 2,786 Tax-exempt income (79 ) (79 ) Rate change — 309 Other (51 ) 52 $ 1,706 $ 3,068 Federal Tax Rate 21.0 % 35.0 % Tax exempt rate (0.9 ) (1.0 ) Rate change — 3.8 Other (0.6 ) 0.6 Effective tax rate 19.5 % 38.4 % The following table reflects the temporary differences that gave rise to the components of the Company's deferred tax assets at December 31, 2018 and 2017 (in thousands): At December 31, 2018 2017 Deferred tax assets Deferred compensation and supplemental retirement $ 411 $ 342 Other, net 89 66 Equity based compensation 35 84 Intangible assets 66 53 Allowance for loan losses 1,212 844 Total deferred tax assets 1,813 1,389 Deferred tax liabilities Prepaid expenses (59 ) (62 ) FHLB stock dividends (87 ) (87 ) Unrealized gain on securities (30 ) (35 ) Depreciation (312 ) (258 ) Mortgage servicing rights (161 ) (67 ) Deferred loan costs (728 ) (380 ) Total deferred tax liabilities (1,377 ) (889 ) Net deferred tax asset $ 436 $ 500 As of December 31, 2018 and 2017 , the Company had no unrecognized tax benefits. The Company recognizes interest accrued and penalties related to unrecognized tax benefits in "Provision for income taxes" in the Consolidated Statements of Income. During the years ended December 31, 2018 and 2017 , the Company recognized no interest and penalties. The Company or its subsidiary files an income tax return in the U.S. federal jurisdiction. With few exceptions, the Company is no longer subject to U.S. federal income tax examinations by tax authorities for years before 2015.

Minimum Regulatory Capital Requ

Minimum Regulatory Capital Requirements	12 Months Ended
	Dec. 31, 2018
Regulatory Capital Requirements [Abstract]
Minimum Regulatory Capital Requirements	Minimum Regulatory Capital Requirements The Company is a bank holding company under the supervision of 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 Board, except that, pursuant to the Economic Growth, Regulatory Relief and Consumer Protection Act, effective August 30, 2018, a bank holding company with consolidated assets of less than $3 billion is generally not subject to the Federal Reserve’s capital regulations, which parallel the FDIC’s capital regulations. If the Company were subject to regulatory guidelines for bank holding companies with $3.0 billion or more in assets at December 31, 2018, and 2017, the Company would have exceeded all regulatory requirements. The Bank is a state-chartered, federally insured institution and thereby is subject to the capital requirements established by 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 financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital regulations that involve quantitative measures of their assets, liabilities, and certain off-balance- sheet items as calculated under regulatory accounting practices. The capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital to risk-weighted assets (as defined in the regulations) and of Tier 1 capital to average assets. As of December 31, 2018, according to the most recent notification from the FDIC, the Bank was categorized as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since the notification that management believes have changed the Bank’s category. The Bank's actual capital amounts (in thousands) and ratios as of December 31, 2018 and 2017 are presented in the following table: Actual Minimum Capital Requirements Minimum Required to be Well-Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018 Tier 1 Capital to total adjusted assets (1) $ 69,685 9.73 % $ 28,659 4.0 % $ 35,824 5.0 % Common Equity Tier 1 risk-based capital ratio (2) 69,685 11.76 26,665 4.5 38,516 6.5 Tier 1 Capital to risk-weighted assets (2) 69,685 11.76 35,553 6.0 47,404 8.0 Total Capital to risk-weighted assets (2) $ 75,874 12.80 % $ 47,404 8.0 % $ 59,255 10.0 % As of December 31, 2017 Tier 1 Capital to total adjusted assets (3) $ 62,432 10.10 % $ 24,721 4.0 % $ 30,902 5.0 % Common Equity Tier 1 risk-based capital ratio (4) 62,432 12.03 23,354 4.5 33,733 6.5 Tier 1 Capital to risk-weighted assets (4) 62,432 12.03 31,138 6.0 41,518 8.0 Total Capital to risk-weighted assets (4) $ 67,868 13.08 % $ 41,518 8.0 % $ 51,897 10.0 % (1) Based on total adjusted assets of $716,475 at December 31, 2018 . (2) Based on risk-weighted assets of $592,551 at December 31, 2018 . (3) Based on total adjusted assets of $618,035 at December 31, 2017 . (4) Based on risk-weighted assets of $518,970 at December 31, 2017 . In addition to the minimum common equity Tier 1 capital ratio (“CET1”), the Bank must maintain a capital conservation buffer consisting of additional CET1 capital above the required minimum levels in order to avoid limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses based on percentages of eligible retained income that could be utilized for such actions. This capital conservation buffer requirement was phased in beginning in January 2016 at an amount more than 0.625% of risk-weighted assets and increased each year to an amount more than 2.5% of risk-weighted assets when fully implemented on January 1, 2019. At December 31, 2018 , the conservation buffer requirement was 1.875% and the Bank's actual conservation buffer was 4.80% . For a bank holding company with less than $3.0 billion in assets, the capital guidelines apply on a bank only basis and the Federal Reserve expects the holding company's subsidiary banks to be well capitalized. If Sound Financial Bancorp was subject to regulatory guidelines for bank holding companies with $3.0 billion or more in assets, at December 31, 2018 Sound Financial Bancorp would have exceeded all regulatory capital requirements. The estimated regulatory capital ratios calculated for Sound Financial Bancorp as of December 31, 2018 were 9.85% for Tier 1 leverage-based capital, 11.92% for both Common Equity Tier 1 risk-based capital, Tier 1 Capital to risk-based assets and 12.96% for total risk-based capital.

Concentrations of Credit Risk

Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2018
Risks and Uncertainties [Abstract]
Concentrations of Credit Risk	Concentrations of Credit Risk Most of the Company's business activity is with clients located in the state of Washington. A substantial portion of the loan portfolio is represented by real estate loans throughout western Washington. The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in the area. Loans to one borrower are generally limited by federal banking regulations to 15% of the Company's unimpaired capital and surplus.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its clients. These financial instruments generally represent a commitment to extend credit in the form of loans. The instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. 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 notional amount of those instruments. The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments. Commitments to extend credit are agreements to lend to a client as long as there is no violation of any condition established by the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each client's creditworthiness on a case-by-case basis. The amount of collateral obtained, if it is deemed necessary by the Company, is based on management's credit evaluation of the client. Financial instruments whose contract amount represents credit risk were as follow (in thousands): At December 31, 2018 2017 Commitments to make loans $ 3,176 $ 1,689 Unfunded construction commitments 60,632 39,400 Unused lines of credit 45,315 32,440 Irrevocable letters of credit 1,460 1,400 Total loan commitments $ 110,583 $ 74,929 At December 31, 2018 , fixed rate loan commitments totaled $4.1 million and had a weighted-average interest rate of 4.93% . At December 31, 2017 , fixed rate loan commitments totaled $3.4 million and had a weighted-average interest rate of 4.29% . Commitments for credit may expire without being drawn upon. Therefore, the total commitment amount does not necessarily represent future cash requirements of the Company. These commitments are not reflected in the financial statements. At December 31, 2018 and 2017 both, the Company had letters of credit issued by the FHLB with a notional amount of $14.5 million in order to secure Washington State Public Funds. In the ordinary course of business, the Company sells loans without recourse that may have to be subsequently repurchased due to defects that occurred during the origination of the loan. The defects are categorized as documentation errors, underwriting errors, early payment defaults, and fraud. When a loan sold to an investor without recourse fails to perform, the investor will typically review the loan file to determine whether defects in the origination process occurred. If a defect is identified, the Company may be required to either repurchase the loan or indemnify the investor for losses sustained. If there are no defects, the Company has no commitment to repurchase the loan. As of December 31, 2018 and 2017 , the maximum amount of these guarantees totaled $376.5 million and $392.6 million , respectively. These amounts represent the unpaid principal balances of the Company's loans serviced for others' portfolios. There were no loans repurchased during the year ended December 31, 2018 and one loan with the amount of $135,000 repurchased from Fannie Mae during the year during the year ended December 31, 2017. The Company pays certain medical, dental, prescription, and vision claims for its employees, on a self-insured basis. The Company has purchased stop-loss insurance to cover claims that exceed stated limits and has recorded estimated reserves for the ultimate costs for both reported claims and claims incurred but not reported, which were not considered significant at December 31, 2017. At December 31, 2018 , the Company recorded $239,000 in stop loss medical insurance claim which is included in other assets on the consolidated statements of financial condition. At various times, the Company may be the defendant in various legal proceedings arising in connection with its business. It is the opinion of management that the financial position and the results of operations of the Company will not be materially adversely affected by the outcome of these legal proceedings and that adequate provision has been made in the accompanying consolidated financial statements.

Parent Company Financial Inform

Parent Company Financial Information	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information Disclosure [Abstract]
Parent Company Financial Information	Parent Company Financial Information The Balance Sheets, Statements of Income, and Statements of Cash Flows for Sound Financial Bancorp (Parent Only) are presented below (dollars in thousands): Balance sheets December 31, 2018 2017 Assets Cash and cash equivalents $ 18 $ 882 Investment in Sound Community Bank 70,785 63,535 Other assets 824 743 Total assets $ 71,627 $ 65,160 Liabilities and Stockholders' Equity Other liabilities $ — $ — Total liabilities — — Stockholders' equity 71,627 65,160 Total liabilities and stockholders' equity $ 71,627 $ 65,160 Statements of Income Year Ended December 31, 2018 2017 Other expenses $ (310 ) $ (243 ) Income before income tax benefit and equity in undistributed net Income of subsidiary (310 ) (243 ) Income tax benefit 65 83 Equity in undistributed earnings of subsidiary 7,284 5,285 Net income $ 7,039 $ 5,125 Statements of Cash Flows Year Ended December 31, 2018 2017 Cash flows from operating activities: Net income $ 7,039 $ 5,125 Adjustments to reconcile net income to net cash provided by operating activities Other, net (65 ) (83 ) Change in undistributed equity of subsidiary (7,284 ) (5,285 ) Net cash used in operating activities (310 ) (243 ) Cash flows from investing activities: ESOP shares released — 671 Net cash provided by investing activities — 671 Cash flows from financing activities: Dividends paid (1,367 ) (1,505 ) Dividends received from subsidiary 711 — Stock options exercised 102 43 Net cash used in financing activities (554 ) (1,462 ) Net decrease in cash (864 ) (1,034 ) Cash and cash equivalents at beginning of year 882 1,916 Cash and cash equivalents at end of year $ 18 $ 882

Revenue from Contracts with Cus

Revenue from Contracts with Customers	12 Months Ended
	Dec. 31, 2018
Revenue from Contract with Customer [Abstract]
Revenue from Contracts with Customers	Revenue from Contracts with Customers All of the Company's revenue from contracts with customers in the scope of ASC 606 - Revenue from Contracts with Customers ("ASC 606") is recognized in Noninterest Income with the exception of the net loss on OREO and repossessed assets, which is included in Noninterest Expense. The following table presents the Company's sources of Noninterest Income for the year ended December 31, 2018 and 2017 (in thousands). Items outside of the scope of ASC 606 are noted as such. Year Ended December 31, 2018 2017 Noninterest income: Service charges and fee income Account maintenance fees $ 192 $ 178 Transaction-based and overdraft service charges 481 417 Debit/ATM interchange fees 927 912 Credit card interchange fees 40 32 Loan fees (a) 188 296 Other fees (a) 48 60 Total service charges and fee income 1,876 1,895 Earnings on cash surrender value of bank-owned life insurance (a) 320 327 Mortgage servicing income (a) 562 566 Net gain on sale of loans (a) 1,258 1,071 Other income (a) 490 — Total noninterest income $ 4,506 $ 3,859 (a) Not within scope of ASC 606 Account maintenance fees and transaction-based and overdraft service charges The Company earns fees from its customers for account maintenance, transaction-based and overdraft services. 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 fees are recognized on a monthly basis as the service period is completed. Transaction-based fees and overdraft service fees on deposit accounts are charged to deposit customers for specific services provided to the customer, such as non-sufficient funds, overdraft, and wire services. 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/ATM and credit card interchange income Debit/ATM interchange income represent fees earned when a debit card issued by the Bank is used for a transaction. The Bank earns interchange fees from debit cardholder transactions through the MasterCard 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' account. Certain expenses directly associated with the debit card are recorded on a net basis with the interchange income. The Company utilizes a third party agency relationship to brand credit cards with fees for originating new accounts paid by the issuing bank. Credit card interchange income represents fees earned when a credit card is issued by the third party agent. Similar to debit card interchange fees, the Bank earns an interchange fee for each transaction made with Sound Community Bank's branded credit cards. The performance obligation is satisfied and the fees are earned when the cost of the transaction is charged to the cardholders' credit card. Certain expenses and rebates directly related to the credit card interchange contract are recorded net of the interchange income. Net loss on OREO and repossessed assets We record a gain or loss from the sale of other real estate owned when control of the property transfers to the buyer, which generally occurs at the time of an executed deed of trust. When the Bank finances the sale of other real estate owned to the buyer, the Company assesses whether the buyer is committed to perform their obligations under the contract and whether collectability of the transaction price is probable. Once these criteria are met, the other real estate owned asset is derecognized and the gain or loss on sale is recorded upon the transfer of control of the property to the buyer. In determining the gain or loss on sale, we adjust the transaction price and related gain or loss on sale if a significant financing component is present. The Company had a loss on the sale of OREO of $74,000 and $94,000 for the years ended December 31, 2018 and 2017, respectively, included in Noninterest Expense.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2018
Subsequent Events [Abstract]
Subsequent Event	Subsequent Events On January 28, 2019 , the Company declared a quarterly cash dividend of 0.14 per common share, payable on February 22, 2019 to shareholders of record at the close of business February 8, 2019 . On January 28, 2019 , the Company announced that its Board of Directors authorized a stock repurchase program. Under this repurchase program, the Company may repurchase up to $1,750,000 of the Company’s outstanding shares, in the open market, based on prevailing market prices, or in privately negotiated transactions, over a period beginning on January 31, 2019 , continuing until the earlier of the completion of the repurchase or the next six ( 6 ) months, depending upon market conditions. The Company’s Board of Directors also authorized management to enter into a trading plan with registered broker-dealer in accordance with Rule 10b5-1 of the Securities Exchange Act of 1934, as amended, to facilitate repurchases of its common stock pursuant to the above mentioned stock repurchase program.

Organization and Significant _2

Organization and Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2018
Accounting Policies [Abstract]
Subsequent events	Subsequent events – The Company has evaluated subsequent events for potential recognition and disclosure.
Basis of Presentation and Use of Estimates	Basis of Presentation and Use of Estimates – The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of income and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the fair value of mortgage servicing rights, valuations of impaired loans and OREO, and the realization of deferred taxes. The accompanying consolidated financial statements include the accounts of Sound Financial Bancorp and its wholly-owned subsidiary Sound Community Bank. All significant intercompany balances and transactions between Sound Financial Bancorp and its subsidiary have been eliminated in consolidation.
Cash and cash equivalents	Cash and cash equivalents – For purposes of reporting cash flows, cash and cash equivalents include cash on hand and in banks and interest-bearing deposits. All have original maturities of three months or less and may exceed federally insured limits.
Investment securities	Investment securities – Investment securities are classified into one of three categories: (1) held-to-maturity, (2) available-for-sale ("AFS"), or (3) trading. The Company had no held-to-maturity or trading securities at December 31, 2018 or 2017 . AFS securities consist of debt securities that the Company has the intent and ability to hold for an indefinite period, but not necessarily to maturity. Such securities may be sold to implement the Company's asset/liability management strategies and/or in response to changes in interest rates and similar factors. AFS securities are reported at fair value. Dividend and interest income are recognized when earned. Unrealized gains and losses, net of the related deferred tax effect, are reported as a net amount in accumulated other comprehensive income (loss) on AFS securities in the consolidated balance sheets. Realized gains and losses on AFS securities, determined using the specific identification method, are included in earnings. Amortization of premiums and accretion of discounts are recognized as adjustments to interest income using the interest method over the period to maturity. The Company reviews investment securities on an ongoing basis for the presence of other-than-temporary impairment ("OTTI") or permanent impairment, taking into consideration current market conditions, fair value in relation to cost, extent and nature of the change in fair value, issuer rating changes and trends, whether the Company intends to sell a security or if it is likely that the Company will be required to sell the security before recovery of its amortized cost basis of the investment, which may be maturity, and other factors. For debt securities, if the Company intends to sell the security or it is likely that it will be required to sell the security before recovering its cost basis, the entire impairment loss would be recognized in earnings as an OTTI. If the Company does not intend to sell the security and it is not likely that we will be required to sell the security but we do not expect to recover the entire amortized cost basis of the security, only the portion of the impairment loss representing credit losses would be recognized in earnings. The credit loss on a security is measured as the difference between the amortized cost basis and the present value of the cash flows expected to be collected. Projected cash flows are discounted by the original or current effective interest rate depending on the nature of the security being measured for potential OTTI. The remaining impairment related to all other factors, the difference between the present value of the cash flows expected to be collected and the fair value, is recognized as a charge to other comprehensive income ("OCI"). The Company does not intend to sell these securities and it is more likely than not that it will not be required to sell the securities before anticipated recovery of the remaining amortized cost basis. The Company closely monitors its investment securities for changes in credit risk. The current market environment significantly limits the Company's ability to mitigate its exposure to valuation changes in these securities by selling them. Accordingly, if market conditions deteriorate further and the Company determines its holdings of these or other investment securities are OTTI, its future earnings, stockholders' equity, regulatory capital and continuing operations could be materially adversely affected.
Loans held-for-sale	Loans held-for-sale – To mitigate interest rate sensitivity, from time to time, certain fixed rate mortgage loans are identified as held-for-sale in the secondary market. Accordingly, such loans are classified as held-for-sale in the consolidated balance sheets and are carried at the lower of cost or estimated fair market value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Mortgage loans held-for-sale are generally sold with the mortgage servicing rights retained by the Company. Gains or losses on sales of loans are recognized based on the difference between the selling price and the carrying value of the related loans sold based on the specific identification method.
Loans	Loans – The Company grants mortgage, commercial, and consumer loans to clients. A substantial portion of the loan portfolio is represented by loans secured by real estate located throughout the Puget Sound region, especially King, Snohomish and Pierce Counties, and in Clallam and Jefferson Counties of Washington State. The ability of the Company's debtors to honor their contracts is dependent upon employment, real estate and general economic conditions in these areas. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balance adjusted for any charge-offs, allowance for loan losses, and any deferred fees or costs on origination of loans. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method over the contractual life of the loan for term loans or the straight-line method for open ended loans. The accrual of interest is discontinued at the time the loan is 90 days past due or if, in management's opinion, the borrower may be unable to meet payment of obligations as they become due, as well as when required by regulatory provisions. Loans are typically charged off no later than 120 days past due, unless secured by collateral. Past due status is based on contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not collected for loans that are placed on nonaccrual or charged-off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all of the principal and interest amounts contractually due are brought current, future payments are reasonably assured and payments have been received for twelve consecutive months. A loan is considered impaired when it is probable that the Company will be unable to collect all amounts (principal and interest) due according to the contractual terms of the original loan agreement. When a loan has been identified as being impaired, the amount of the impairment is measured by using discounted cash flows, except when, as a practical expedient, the current fair value of the collateral, reduced by costs to sell, is used. When the measurement of the impaired loan is less than the recorded investment in the loan (including accrued interest), impairment is recognized by charging off the impaired portion or creating or adjusting a specific allocation of the allowance for loan losses. A loan is classified as a troubled debt restructuring ("TDR") when certain concessions have been made to the contractual terms, such as reductions of interest rates or deferrals of interest or principal payments due to the borrower's deteriorated financial condition. All TDRs are reported and accounted for as impaired loans.
Allowance for loan losses	Allowance for loan losses – The allowance for loan losses is a reserve established through a provision for loan losses charged to expense and represents management's best estimate of probable losses incurred within the existing loan portfolio as of the balance sheet date. The level of the allowance reflects management's view of trends in loan loss activity, current loan portfolio quality and present economic, political and regulatory conditions. Portions of the allowance may be allocated for specific loans; however, the allowance is available for any loan that is charged off. The allowance is increased by provisions charged to earnings and by recoveries of amounts previously charged off, and is reduced by charge-offs on loans (or portions thereof) deemed to be uncollectible. Loan charge-offs are recognized when management believes the collectability of the principal balance outstanding is unlikely. Full or partial charge-offs on collateral dependent impaired loans are generally recognized when the collateral is deemed to be insufficient to support the carrying value of the loan. The allowance for loan losses is maintained at a level sufficient to provide for probable credit losses based upon evaluating known and inherent risks in the loan portfolio. The allowance is provided based upon management's continuing analysis of the pertinent factors underlying the quality of the loan portfolio. These factors include changes in the size and composition of the loan portfolio, delinquency levels, actual loan loss experience, current economic conditions, and detailed analysis of individual loans for which full collectability may not be assured. The detailed analysis includes techniques to estimate the fair value of loan collateral and the existence of potential alternative sources of repayment. The allowance consists of specific, general, and unallocated components. The Company considers installment loans to be pools of smaller balance, homogenous loans that are collectively evaluated for impairment, unless such loans are subject to a TDR agreement. For such loans that are also classified as impaired, a specific component within the allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan are lower than the carrying value of that loan. The general component covers non-impaired loans and is based upon historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. The appropriateness of the allowance for loan losses is estimated based upon those factors and trends identified by management at the time consolidated financial statements are prepared. When available information confirms that specific loans or portions thereof are uncollectible, identified amounts are charged against the allowance for loan losses. The existence of some or all of the following criteria will generally confirm that a loss has been incurred: the loan is significantly delinquent and the borrower has not demonstrated the ability or intent to bring the loan current; the Company has no recourse to the borrower, or if it does, the borrower has insufficient assets to pay the debt; the estimated fair value of the loan collateral is significantly below the current loan balance, and there is little or no near-term prospect for improvement. The ultimate recovery of all loans is susceptible to future market factors beyond the Company's control. These factors may result in losses or recoveries differing significantly from those provided in the consolidated financial statements. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses, and may require the Company to make additions to the allowance based on their judgment about information available to them at the time of their examinations.
Transfers of financial assets	Transfers of financial assets – Transfers of an entire financial asset, or a participating interest in an entire financial asset, are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when: (1) a group of financial assets or a participating interest in an entire financial asset has been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Mortgage servicing rights ("MSR")	Mortgage servicing rights ("MSR") – Mortgage servicing rights represent the value associated with servicing residential mortgage loans, when the mortgage loans have been sold into the secondary market and the related servicing has been retained by the Company. The Company may also purchase mortgage servicing rights. The value is determined though a discounted cash flow analysis, which uses interest rates, prepayment speeds and delinquency rate assumptions as inputs. All of these assumptions require a significant degree of management judgment. The Company measures its mortgage servicing assets at fair value and reports changes in fair value through earnings under the caption mortgage banking revenue in the period in which the change occurs.
Premises and equipment	Premises and equipment – Premises, leasehold improvements and furniture and equipment are carried at cost, less accumulated depreciation and amortization. Furniture and equipment are depreciated using the straight-line method over the estimated useful lives of the assets, which range from 1 to 10 years. The cost of leasehold improvements is amortized using the straight-line method over the terms of the related leases. The cost of premises is amortized using the straight-line method over the estimated useful life of the building, up to 39 years. Management reviews premises, leasehold improvements and furniture and equipment for impairment on an annual basis.
Bank-owned life insurance, net	Bank-owned life insurance, net – The carrying amount of bank owned life insurance approximates its fair value, and is estimated using the cash surrender value, net of any surrender charges.
Federal Home Loan Bank stock	Federal Home Loan Bank stock – The Company is a member of the Federal Home Loan Bank of Des Moines ("FHLB"). FHLB stock represents the Company's investment in the FHLB and is carried at par value, which reasonably approximates its fair value. As a member of the FHLB, the Company is required to maintain a minimum level of investment in FHLB stock based on specific percentages of its outstanding mortgages, total assets, or FHLB advances. At December 31, 2018 and 2017 , the Company's minimum required investment in FHLB stock was $4.1 million and $3.1 million , respectively. Typically the Company may request redemption at par value of any stock in excess of the minimum required investment. Stock redemptions are at the discretion of the FHLB.
Other real estate owned and repossessed assets	Other real estate owned and repossessed assets – OREO and repossessed assets represent real estate and other assets which the Company has taken control of in partial or full satisfaction of loans. At the time of foreclosure, OREO and repossessed assets are recorded at fair value less estimated costs to sell, which becomes the new basis. Any write-downs based on the asset's fair value at the date of acquisition are charged to the allowance for loan and lease losses. After foreclosure, management periodically performs valuations such that the property is carried at the lower of its new cost basis or fair value, net of estimated costs to sell. Revenue and expenses from operations and subsequent adjustments to the carrying amount of the property are included in other noninterest expense in the consolidated statements of income. In some instances, the Company may make loans to facilitate the sales of OREO. Management reviews all sales for which it is the lending institution. Any gains related to sales of other real estate owned may be deferred until the buyer has a sufficient investment in the property.
Income Taxes	Income Taxes – Income taxes are accounted for using the asset and liability method. Under this method a deferred tax asset or liability is determined based on the enacted tax rates which will be in effect when the differences between the financial statement carrying amounts and tax basis of existing assets and liabilities are expected to be reported in the Company's income tax returns. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. Valuation allowances are established to reduce the net carrying amount of deferred tax assets if it is determined to be more likely than not, that all or some portion of the potential deferred tax asset will not be realized.
Segment reporting	Segment reporting – The Company operates in one segment and makes management decisions based on consolidated results. The Company's operations are solely in the financial services industry and include providing to its clients traditional banking and other financial services.
Off-balance-sheet credit-related financial instruments	Off-balance-sheet credit-related financial instruments – In the normal course of operations, the Company engages in a variety of financial transactions that are not recorded in our financial statements. These transactions involve varying degrees of off-balance sheet credit, interest rate and liquidity risks. These transactions are used primarily to manage customers' requests for funding and take the form of loan commitments, letters of credit and lines of credit. Such financial instruments are recorded when they are funded.
Advertising costs	Advertising costs – The Company expenses advertising costs as they are incurred.
Comprehensive income	Comprehensive income – Accounting principles generally require that recognized revenue, expenses, gains, and losses be included in net income. Certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale investments, are reported as a separate component of the equity section of the consolidated balance sheets, net of tax. Such items, along with net income, are components of comprehensive income.
Intangible assets	Intangible assets – At December 31, 2018 and 2017 , the Company had $209,000 and $362,000 , respectively, of identifiable intangible assets included in other assets as a result of the acquisition of deposits from other institutions. These assets are amortized using the straight-line method over a period of 8 - 10 years and have a remaining weighted average life of 5.6 years . Management reviews intangible assets for impairment on an annual basis.
Employee stock ownership plan	Employee stock ownership plan (ESOP) – The Company sponsors a leveraged ESOP. As shares are committed to be released, compensation expense is recorded equal to the market price of the shares, and the shares become outstanding for purposes of earnings per share calculations. Cash dividends on allocated shares (those credited to ESOP participants' accounts) are recorded as a reduction of stockholders' equity and distributed directly to participants' accounts. Cash dividends on unallocated shares (those held by the ESOP not yet credited to participants' accounts) are used to pay administrative expenses and debt service requirements of the ESOP. See Note 13 – Employee Benefits for further information. At December 31, 2018 , there were 34,020 unallocated shares in the plan. Shares released on December 31, 2018 totaled 11,340 and will be credited to plan participants' accounts in 2019. Unearned ESOP shares are shown as a reduction of stockholders' equity. When the shares are released, unearned common shares held by the ESOP are reduced by the cost of the ESOP shares released and the differential between the fair value and the cost is charged to additional paid in capital. The loan receivable from the ESOP to the Company is not reported as an asset nor is the debt of the ESOP reported as a liability on the Company's consolidated statements of condition.
Earnings Per Common Share	Earnings Per Common Share – Earnings per share ("EPS") is computed using the two-class method. Basic EPS is computed by dividing net income allocated to common shares by the weighted average number of common shares outstanding for the period, excluding any participating securities. Participating securities include unvested restricted shares. Unvested restricted shares are considered participating securities because holders of these securities receive non-forfeitable dividends at the same rate as the holders of the Company's common stock. Diluted EPS is computed by dividing net income allocated to common shares adjusted for reallocation of undistributed earnings of unvested restricted shares by the weighted average number of common shares determined for the basic EPS plus the dilutive effect of common stock equivalents using the treasury stock method based on the average market price for the period. Some stock options are anti-dilutive and therefore are not included in the calculation of diluted EPS.
Fair value	Fair value – Fair value is the price that would be received when an asset is sold or a liability is transferred in an orderly transaction between market participants at the measurement date. Fair values of the Company's financial instruments are based on the fair value hierarchy which requires an entity to maximize the use of observable inputs, typically market data obtained from third parties, and minimize the use of unobservable inputs, which reflects its estimates for market assumptions, when measuring fair value. Three levels of valuation inputs are ranked in accordance with the prescribed fair value hierarchy as follows: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets. Level 2: Quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active. Level 3: Assets or liabilities whose significant value drivers are unobservable. In determining the appropriate levels, the Company performs a detailed analysis of the assets and liabilities that are subject to fair value measurements. In certain cases, the inputs used to measure fair value of an asset or liability may fall into different levels of the fair value hierarchy. The level within which the fair value measurement is categorized is based on the lowest level unobservable input that is significant to the fair value measurement in its entirety. Therefore, an item may be classified in Level 3 even though there may be some significant inputs that are readily observable.
Share-Based Compensation	Share-Based Compensation – The Company measures the cost of employee services received in exchange for an award of equity instruments based on the grant date fair value of the award. These costs are recognized on a straight-line basis over the vesting period during which an employee is required to provide services in exchange for the award, also known as the requisite service period. The Company uses the Black-Scholes option pricing model to estimate the fair value of stock options granted. When determining the estimated fair value of stock options granted, the Company utilizes various assumptions regarding the expected volatility of the stock price, estimated forfeitures using historical data on employee terminations, the risk-free interest rate for periods within the contractual life of the stock option, and the expected dividend yield that the Company expects over the expected life of the options granted. Reductions in compensation expense associated with forfeited options are estimated at the date of grant, and this estimated forfeiture rate is adjusted monthly based on actual forfeiture experience. The Company measures the fair value of the restricted stock using the closing market price of the Company's common stock on the date of grant. The Company expenses the grant date fair value of the Company's stock options and restricted stock with a corresponding increase in equity.
Reclassifications	Reclassifications – Certain amounts reported in prior years' consolidated financial statements have been reclassified to conform to the current presentation. The results of the reclassifications are not considered material and have no effect on previously reported net income, earnings per share or stockholders' equity.
Accounting pronouncements recently issued or adopted	In August 2018, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") No. 2018-13, "Fair Value Measurement: Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement" ("ASU 2018-13") . This ASU modifies the disclosure requirements on fair value measurements. The following disclosure requirements were removed from FASB Accounting Standards Codification ("ASC") Topic 820 - Fair Value Measurement: (1) the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy; (2) the policy for timing of transfers between levels; and (3) the valuation processes for Level 3 fair value measurements. This ASU clarifies that the measurement uncertainty disclosure is to communicate information about the uncertainty in measurement as of the reporting date. The ASU adds the following disclosure requirements for Level 3 measurements: (1) changes in unrealized gains and losses for the period included in other comprehensive income for the recurring Level 3 fair value measurements held at the end of the reporting period; and (2) the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. Amendments in this ASU are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is permitted for any removed or modified disclosures. The adoption of ASU 2018-13 is not expected to have a material impact on the Company's consolidated financial statements. In June 2018, the FASB issued ASU No. 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting. This ASU amends the accounting for share-based payments awards to nonemployees to align with the accounting for employee awards. Under the new guidance, the existing employee guidance will apply to nonemployee share-based transactions (as long as the transaction is not effectively a form of financing), with the exception of specific guidance related to the attribution of compensation cost. The cost of nonemployee awards will continue to be recorded as if the grantor had paid cash for the goods or services. In addition, the contractual term will be able to be used in lieu of an expected term in the option-pricing model for nonemployee awards. Amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2018 and early adoption is permitted. The adoption of ASU No. 2018-07 on January 1, 2019 is not expected to have a material impact on the Company's consolidated financial statements. In March 2018, FASB issued ASU No. 2018-5, Income Taxes (Topic 740) . This ASU was issued to provide guidance on the income tax accounting implications of the Tax Cuts and Jobs Act of 2017 ("Tax Act") and allows for entities to report provisional amounts for specific income tax effects of the Tax Act for which the accounting under Topic 740 was not yet complete, but a reasonable estimate could be determined. A measurement period of one-year is allowed to complete the accounting effects under Topic 740 and revise any previous estimates reported. Any provisional amounts or subsequent adjustments included in an entity's financial statements during the measurement period should be included in income from continuing operations as an adjustment to tax expense in the reporting period the amounts are determined. The Company adopted this ASU with the provisional adjustments as reported in the consolidated financial statements on Form 10-K as of December 31, 2017. For the year ended December 31, 2018 , the Company did not incur any adjustments to the provisional recognition. In February 2018, FASB issued ASU No. 2018-02, Income Statement - Reporting Comprehensive Income (Topic 220) . This ASU was issued to allow a reclassification from accumulated other comprehensive income to retained earnings from stranded tax effects resulting from the revaluation of the Company's net deferred tax asset ("DTA") to the new corporate tax rate of 21% as a result of the "Tax Act". The ASU is effective for reporting periods beginning after December 15, 2018 with early adoption permitted. The adoption of ASU No. 2018-02 did not have a material impact on the Company's consolidated financial statements. In August 2017, the FASB issued ASU No. 2017-12, Derivatives and Hedging (Topic 815): Targeted Improvements to Accounting for Hedging Activities. This ASU amends the hedge accounting recognition and presentation requirements in ASC 815 to improve the transparency and understandability of information conveyed to financial statement users about an entity's risk management activities by better aligning the entity's financial reporting for hedging relationships with those risk management activities and reduce the complexity of and simplify the application of hedge accounting by preparers. The amendments in this ASU permit hedge accounting for hedging relationships involving nonfinancial risk and interest rate risk by removing certain limitations in cash flow and fair value hedging relationships. In addition, the ASU requires an entity to present the earnings effect of the hedging instrument in the same income statement line item in which the earnings effect of the hedged item is reported. The amendments in this ASU are effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2018 and early adoption is permitted. The adoption of ASU No. 2017-12 on January 1, 2019, is not expected to have a material impact on the Company's consolidated financial statements. In May 2017, the FASB issued ASU No. 2017-09, Compensation--Stock Compensation (Topic 718): Scope of Modification Accounting . The ASU was issued to provide clarity as to when to apply modification accounting when there is a change in the terms or conditions of a share-based payment award. According to this ASU, an entity should account for the effects of a modification unless the fair value, vesting conditions, and balance sheet classification of the award is the same after the modification as compared to the original award prior to the modification. The standard was effective for reporting periods beginning after December 15, 2017. The Company has not had any modifications on share-based payment awards and therefore the adoption of ASU No. 2017-09 did not have a material impact on the Company's consolidated financial statements. In March 2017, the FASB issued ASU No. 2017-08, Receivables-Nonrefundable Fees and Other Costs (Subtopic 310-20) . ASU 2017-08 is intended to amend the amortization period for certain purchased callable debt securities held at a premium. Under ASU 2017-08, the FASB is shortening the amortization period for the premium to the earliest call date. Under current GAAP, entities generally amortize the premium as an adjustment of yield over the contractual life of the instrument. ASU 2017-08 is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2018. The adoption of ASU No. 2017-08 on January 1, 2019 is not expected to have a material impact on the Company's consolidated financial statements. In January 2017, the FASB issued ASU No. 2017-04, Intangibles - Goodwill and Other (Topic 350) : Simplifying the Test for Goodwill Impairment, or ASU 2017-04, which eliminates Step 2 from the goodwill impairment test. ASU 2017-04 also eliminates the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. Adoption of ASU 2017-04 is required for annual or interim goodwill impairment tests in fiscal years beginning after December 15, 2019 with early adoption permitted for annual or interim goodwill impairment tests performed on testing dates after January 1, 2017. The Company does not expect the adoption of ASU 2017-04 to have a material impact on its consolidated financial statements. In August 2016, FASB issued ASU No. 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments . This ASU addresses the appropriate classification of eight specific cash flow issues on the cash flow statement. Debt prepayment costs should be classified as an outflow for financing activities. Settlement of zero-coupon debt instruments divides the interest portion as an outflow for operating activities and the principal portion as an outflow for financing activities. Contingent consideration payments made after a business combination should be classified as outflows for financing and operating activities. Proceeds from the settlement of bank-owned life insurance policies should be classified as inflows from investing activities. Other specific areas are identified in the ASU as to the appropriate classification of the cash inflows or outflows. The amendments in this ASU were effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company does not currently have items on its cash flow statement that were impacted by adoption of this ASU and therefore adoption of ASU 2016-15 did not have a material impact on the Company's consolidated financial statements. In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments- Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments . This ASU replaces the existing incurred loss impairment methodology that recognizes credit losses when a probable loss has been incurred with new methodology where loss estimates are based upon lifetime expected credit losses. The amendments in this ASU require a financial asset that is measured at amortized cost to be presented at the net amount expected to be collected. The income statement would then reflect the measurement of credit losses for newly recognized financial assets as well as changes to the expected credit losses that have taken place during the reporting period. The measurement of expected credit losses will be based on historical information, current conditions, and reasonable and supportable forecasts that impact the collectability of the reported amount. Available-for-sale securities will bifurcate the fair value mark and establish an allowance for credit losses through the income statement for the credit portion of that mark. The interest portion will continue to be recognized through accumulated other comprehensive income or loss. The change in allowance recognized as a result of adoption will occur through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the ASU is adopted. The amendments in this ASU are effective for fiscal years beginning after December 15, 2019 with early adoption permitted after December 15, 2018. The Company is evaluating its current expected loss methodology on the loan and investment portfolios to identify the necessary modifications in accordance with this standard and expects a change in the processes and procedures to calculate the allowance for loan losses, including changes in assumptions and estimates to consider expected credit losses over the life of the loan versus the current accounting practice that utilizes the incurred loss model. The Company is in the process of compiling historical data that will be used to calculate expected credit losses on the loan portfolio to ensure that it is fully compliant with the ASU at the adoption date and is evaluating the potential impact adoption of this ASU will have on its consolidated financial statements. While the Company has not quantified the impact of this ASU, it does expect changing from the current incurred loss model to an expected loss model will result in an earlier recognition of losses. The Company also expects that once adopted the allowance for loan losses will increase, however, until its evaluation is complete the magnitude of the increase will be unknown. In February 2016, FASB issued ASU No. 2016-02, Leases (Topic 842) . ASU No. 2016-02 requires lessees to recognize, on the balance sheet, the assets and liabilities arising from operating leases. A lessee should recognize a liability to make lease payments and a right-of-use asset representing its right to use the underlying asset for the lease term. A lessee should include payments to be made in an optional period only if the lessee is reasonably certain to exercise an option to extend the lease or not to exercise an option to terminate the lease. For a finance lease, interest payments should be recognized separately from amortization of the right-of-use asset in the statement of comprehensive income. For operating leases, the lease cost should be allocated over the lease term on a generally straight-line basis. In July 2018, the FASB issued ASU No. 2018-11, Leases (Topic 842), Targeted Improvements . This ASU amended the new leases standard to give entities another option for transition and to provide lessors with a practical expedient. The transition option allows entities to not apply the new leases standard in the comparative periods they present in their financial statements in the year of adoption. The practical expedient provides lessors with an option to not separate non-lease components from the associated lease components when certain criteria are met and requires them to account for the combined component in accordance with the new revenue standard if the associated non-lease components are the predominant components. The amendments have the same effective date as ASU 2016-02. The amendments in ASU 2016-02 are effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application of the amendments in the ASU is permitted. The Company is currently evaluating the impact of ASU 2016-02. Upon adoption of this guidance on January 1, 2019, we expect the right-of-use assets and lease liabilities recorded will be less than 5% of our total assets. The Company does not expect the new lease standard to have a material impact on its consolidated financial statements. In January 2016, FASB issued ASU No. 2016-01, Financial Instruments - Overall, Recognition and Measurement of Financial Assets and Financial Liabilities . ASU 2016-01 requires equity investments (except those accounted for under the equity method of accounting) to be measured at fair value with changes in fair value recognized in net income. In addition, the amendments in this ASU require an entity to disclose the fair value of financial instruments using the exit price notion. Exit price is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The methods of determining the fair value of assets and liabilities are consistent with our methodologies disclosed in Note 11 - Fair Value Measurements of this Form 10-K, except for the valuation of loans held-for-investment and time deposits which were impacted by the adoption of ASU 2016-01. Prior to adopting the amendments included in the standard, the Company was allowed to measure fair value under an entry price notion. The entry price notion previously applied by the Company used a discounted cash flows technique to calculate the present value of expected future cash flows for a financial instrument. The exit price notion uses the same approach, but also incorporates other factors, such as enhanced credit risk, illiquidity risk and market factors that sometimes exist in exit prices in dislocated markets. As of December 31, 2018 , the technique used by the Company to estimate the exit price of the loan portfolio consists of similar procedures to those used as of December 31, 2017, but with added emphasis on both illiquidity risk and credit risk not captured by the previously applied entry price notion. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The amendments in this ASU were effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Refer to Note 11 of this Form 10-K. Prior period information has not been updated to conform with the new guidance. The adoption of ASU 2016-01 did not have a material impact on the Company's consolidated financial statements. In May 2014, the "FASB" issued "ASU" No. 2014-09, Revenue from Contracts with Customers (Topic 606) . In August 2015, FASB issued ASU No. 2015-14, Revenue from Contracts with Customers (Topic 606) which postponed the effective date of 2014-09. Subsequently, in March 2016, the FASB issued ASU 2016-08, Revenue from Contracts with Customers (Topic 606) : Principal versus Agent Considerations. This amendment clarifies that an entity should determine if it is the principal or the agent for each specified good or service promised in a contract with a customer. In April 2016, the FASB issued ASU No. 2016-10, Revenue from Contracts with Customers (Topic 606) : Identifying Performance Obligations and Licensing. The core principle of Topic 606 is that an entity must recognize revenue when it has satisfied a performance obligation of transferring promised goods or services to a customer. These standards were effective for interim and annual periods beginning after December 15, 2017. The Company has analyzed its revenue sources of noninterest income to determine when the satisfaction of the performance obligation occurs and the appropriate recognition of revenue. For further information, see Note 19 - Revenue from Contracts with Customers of this Form 10-K. The adoption of these ASUs did not have a material impact on the Company's consolidated financial statements, other than the additional disclosures included in Note 19 of this Form 10-K.
Fair value of financial instruments	On January 1, 2018, the Company adopted ASU 2016-01, which requires us to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes. The Company determines the fair values of its financial instruments based on the requirements established in ASC 820, Fair Value Measurements , which provides a framework for measuring fair value in accordance with U.S. GAAP and requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. ASC 820 defines fair values for financial instruments as the exit price, the price that would be received for an asset or paid to transfer a liability, in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date under current market conditions. The Company’s fair values for financial instruments at December 31, 2018 were determined based on these requirements. The following methods and assumptions were used to estimate the fair value of other financial instruments: Cash and cash equivalents - The estimated fair value is equal to the carrying amount. Available-for-Sale Securities - Available-for-sale securities are recorded at fair value based on quoted market prices, if available. If quoted market prices are not available, management utilizes third-party pricing services or broker quotations from dealers in the specific instruments. Level 2 securities include those traded on an active exchange, as well as U.S. government securities. Loans Held-for-Sale - Residential mortgage loans held-for-sale are recorded at the lower of cost or fair value. The fair value of fixed-rate residential loans is based on whole loan forward prices obtained from government sponsored enterprises. At December 31, 2018 and 2017 , loans held-for-sale were carried at cost, as no impairment was required. Loans Held for Portfolio - The estimated fair value of loans consists of a credit adjustment to reflect the estimated adjustment to the carrying value of the loans due to credit-related factors and a yield adjustment, to reflect the estimated adjustment to the carrying value of the loans due to a differential in yield between the portfolio loan yields and estimated current market rate yields on loans with similar characteristics. Mortgage Servicing Rights -The fair value of mortgage servicing rights is determined through a discounted cash flow analysis, which uses interest rates, prepayment speeds, discount rates, and delinquency rate assumptions as inputs. FHLB stock - The estimated fair value is equal to the par value of the stock. Non-maturity deposits - The estimated fair value is equal to the carrying amount. Time deposits - The estimated fair value of time deposits is based on the difference between interest costs paid on the Company's time deposits and current market rates for time deposits with comparable characteristics. Borrowings - The fair value of borrowings are estimated using the Company’s current incremental borrowing rates for similar types of borrowing arrangements. A description of the valuation methodologies used for impaired loans and OREO is as follows: Impaired Loans - The fair value of collateral dependent loans is based on the current appraised value of the collateral less estimated costs to sell, or internally developed models utilizing a calculation of expected discounted cash flows which contain management’s assumptions. OREO and Repossessed Assets - The fair value of OREO and repossessed assets is based on the current appraised value of the collateral less estimated costs to sell. Off-balance sheet financial instruments - The fair value for the Company's off-balance sheet loan commitments are estimated based on fees charged to others to enter into similar agreements taking into account the remaining terms of the agreements and credit standing of the Company's clients. The estimated fair value of these commitments is not significant.

Investments (Tables)

Investments (Tables)	12 Months Ended
	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Schedule of Amortized Cost and Fair Value of AFS Securities	The amortized cost and fair value of AFS securities and the corresponding amounts of gross unrealized gains and losses at December 31, 2018 and 2017 were as follows (in thousands): Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2018 Municipal bonds $ 3,218 $ 122 $ (23 ) $ 3,317 Agency mortgage-backed securities 1,594 46 — 1,640 Total $ 4,812 $ 168 $ (23 ) $ 4,957 December 31, 2017 Municipal bonds $ 3,240 $ 155 $ (26 ) $ 3,369 Agency mortgage-backed securities 2,030 36 — 2,066 Total $ 5,270 $ 191 $ (26 ) $ 5,435
Schedule of Amortized Cost and Fair Value of Mortgage-backed Securities by Contractual Maturity	The amortized cost and fair value of AFS securities at December 31, 2018 , by contractual maturity, are shown below (in thousands). Expected maturities of AFS securities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Investments not due at a single maturity date, primarily mortgage-backed securities, are shown separately. December 31, 2018 Amortized Cost Fair Value Weighted-Average Yield Due in one to five years $ 1,566 $ 1,550 1.93 % Due after five to ten years 460 485 4.75 Due after ten years 1,192 1,282 5.43 Mortgage-backed securities 1,594 1,640 4.14 Total $ 4,812 $ 4,957 3.82 %
Summary of Aggregate Fair Value and Gross Unrealized Loss by Length of Time	The following tables summarize the aggregate fair value and gross unrealized loss by length of time of those investments that have been in a continuous unrealized loss position at December 31, 2018 and 2017 (in thousands): December 31, 2018 Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Municipal bonds $ — $ — $ 1,283 $ (23 ) $ 1,283 $ (23 ) Total $ — $ — $ 1,283 $ (23 ) $ 1,283 $ (23 ) December 31, 2017 Less Than 12 Months 12 Months or Longer Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Municipal bonds $ — $ — $ 1,302 $ (26 ) $ 1,302 $ (26 ) Total $ — $ — $ 1,302 $ (26 ) $ 1,302 $ (26 )

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
Composition of the Loan Portfolio, Excluding Loans Held-for-sale	The composition of the loan portfolio, excluding loans held-for-sale, at December 31, 2018 and 2017 is as follows (in thousands): At December 31, 2018 2017 Real estate loans: One-to-four family $ 169,830 $ 157,417 Home equity 27,655 28,379 Commercial and multifamily 252,644 211,269 Construction and land 65,259 61,482 Total real estate loans 515,388 458,547 Consumer loans: Manufactured homes 20,145 17,111 Floating homes 40,806 29,120 Other consumer 6,628 4,902 Total consumer loans 67,579 51,133 Commercial business loans 38,804 40,829 Total loans 621,771 550,509 Deferred fees (2,228 ) (1,914 ) Total loans, gross 619,543 548,595 Allowance for loan losses (5,774 ) (5,241 ) Total loans, net $ 613,769 $ 543,354
Schedule of Allowance For Loan Losses and Unpaid Principal Balance in Loans	The following table presents the balance in the allowance for loan losses and the unpaid principal balance in loans, net of partial charge-offs by portfolio segment and based on impairment method as of December 31, 2018 (in thousands): Allowance: Individually evaluated for impairment Allowance: Collectively evaluated for impairment Ending balance Loans held for investment: Individually evaluated for impairment Loans held for investment: Collectively evaluated for impairment Ending balance One-to-four family $ 228 $ 1,086 $ 1,314 $ 2,760 $ 167,070 $ 169,830 Home equity 25 177 202 440 27,215 27,655 Commercial and multifamily — 1,638 1,638 702 251,942 252,644 Construction and land 8 423 431 163 65,096 65,259 Manufactured homes 299 128 427 424 19,721 20,145 Floating homes — 265 265 — 40,806 40,806 Other consumer 64 48 112 157 6,471 6,628 Commercial business 112 244 356 1,192 37,612 38,804 Unallocated — 1,029 1,029 — — — Total $ 736 $ 5,038 $ 5,774 $ 5,838 $ 615,933 $ 621,771 The following table presents the balance in the allowance for loan losses and the unpaid principal balance in loans, net of partial charge-offs by portfolio segment and based on impairment method as of December 31, 2017 (in thousands): Allowance: Individually evaluated for impairment Allowance: Collectively evaluated for impairment Ending balance Loans held for investment: Individually evaluated for impairment Loans held for investment: Collectively evaluated for impairment Ending balance One-to-four family $ 555 $ 881 $ 1,436 $ 6,256 $ 151,161 $ 157,417 Home equity 120 173 293 1,028 27,351 28,379 Commercial and multifamily — 1,250 1,250 1,699 209,570 211,269 Construction and land 13 365 378 141 61,341 61,482 Manufactured homes 258 97 355 385 16,726 17,111 Floating homes — 169 169 — 29,120 29,120 Other consumer 43 37 80 194 4,708 4,902 Commercial business 135 237 372 1,000 39,829 40,829 Unallocated — 908 908 — — — Total $ 1,124 $ 4,117 $ 5,241 $ 10,703 $ 539,806 $ 550,509
Summary of Activity in Allowance for Loan Losses	The following table summarizes the activity in the allowance for loan losses for the year ended December 31, 2018 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to-four family $ 1,436 $ — $ 1 $ (123 ) $ 1,314 Home equity 293 (7 ) 44 (128 ) 202 Commercial and multifamily 1,250 — — 388 1,638 Construction and land 378 — — 53 431 Manufactured homes 355 (12 ) — 84 427 Floating homes 169 — — 96 265 Other consumer 80 (31 ) 12 51 112 Commercial business 372 — 1 (17 ) 356 Unallocated 908 — — 121 1,029 $ 5,241 $ (50 ) $ 58 $ 525 $ 5,774 The following table summarizes the activity in the allowance for loan losses for the year ended December 31, 2017 (in thousands): Beginning Allowance Charge-offs Recoveries Provision Ending Allowance One-to-four family $ 1,542 $ — $ — $ (106 ) $ 1,436 Home equity 378 (89 ) 33 (29 ) 293 Commercial and multifamily 1,144 (24 ) 1 129 1,250 Construction and land 459 — — (81 ) 378 Manufactured homes 168 (12 ) 8 191 355 Floating homes 132 — — 37 169 Other consumer 112 (18 ) 20 (34 ) 80 Commercial business 175 — — 197 372 Unallocated 712 — — 196 908 $ 4,822 $ (143 ) $ 62 $ 500 $ 5,241
Schedule of Credit Quality Indicators	The following table represents the internally assigned grades as of December 31, 2018 , by type of loan (in thousands): One-to-four family Home equity Commercial and multifamily Construction and land Manufactured homes Floating homes Other consumer Commercial business Total Grade: Pass $ 163,655 $ 27,150 $ 246,907 $ 55,916 $ 19,860 $ 40,806 $ 6,576 $ 35,876 $ 596,746 Watch — — 1,139 5,968 — — — 689 7,796 Special Mention — — 2,497 3,252 — — — 367 6,116 Substandard 6,175 505 2,101 123 285 — 52 1,872 11,113 Doubtful — — — — — — — — — Loss — — — — — — — — — Total $ 169,830 $ 27,655 $ 252,644 $ 65,259 $ 20,145 $ 40,806 $ 6,628 $ 38,804 $ 621,771 The following table represents the internally assigned grades as of December 31, 2017 , by type of loan (in thousands): One-to-four family Home equity Commercial and multifamily Construction and land Manufactured homes Floating homes Other consumer Commercial business Total Grade: Pass $ 153,793 $ 27,493 $ 199,887 $ 61,390 $ 16,877 $ 29,120 $ 4,708 $ 39,089 $ 532,357 Watch 244 — 9,683 — — — — 827 10,754 Special Mention 137 — 357 — — — — 784 1,278 Substandard 3,243 886 1,342 92 234 — 194 129 6,120 Doubtful — — — — — — — — — Loss — — — — — — — — — Total $ 157,417 $ 28,379 $ 211,269 $ 61,482 $ 17,111 $ 29,120 $ 4,902 $ 40,829 $ 550,509
Schedule of Investment in Nonaccrual Loans	The following table presents the recorded investment in nonaccrual loans as of December 31, 2018 and 2017 , by type of loan (in thousands): 2018 2017 One-to-four family $ 1,075 $ 791 Home equity 360 722 Other consumer — 8 Commercial and multifamily 534 201 Construction and land 123 92 Manufactured homes 214 206 Commercial 235 129 Total $ 2,541 $ 2,149
Summary of Recorded Investment Aging In Past Due Loans	The following table represents the aging of the recorded investment in past due loans as of December 31, 2018 , by type of loan (in thousands): 30-59 Days Past Due 60-89 Days Past Due Greater than 90 Days Past Due Recorded Investment > 90 Days and Accruing Total Past Due Current Total Loans One-to-four family $ 1,362 $ 167 $ 514 $ — $ 2,043 $ 167,787 $ 169,830 Home equity 298 149 284 — 731 26,924 27,655 Commercial and multifamily 139 — 353 — 492 252,152 252,644 Construction and land 650 — 50 — 700 64,559 65,259 Manufactured homes 78 129 199 — 406 19,739 20,145 Floating homes — — — — — 40,806 40,806 Other consumer 11 5 — — 16 6,612 6,628 Commercial business 228 177 122 — 527 38,277 38,804 Total $ 2,766 $ 627 $ 1,522 $ — $ 4,915 $ 616,856 $ 621,771 The following table represents the aging of the recorded investment in past due loans as of December 31, 2017 , by type of loan (in thousands): 30-59 Days Past Due 60-89 Days Past Due Greater Than 90 Days Past Due Recorded Investment > 90 Days and Accruing Total Past Due Current Total Loans One-to-four family $ 2,092 $ 1,819 $ 727 $ — $ 4,638 $ 152,779 $ 157,417 Home equity 521 5 633 — 1,159 27,220 28,379 Commercial and multifamily 313 — — — 313 210,956 211,269 Construction and land 51 — 92 — 143 61,339 61,482 Manufactured homes 185 50 197 — 432 16,679 17,111 Floating homes — — — — — 29,120 29,120 Other consumer 15 — — — 15 4,887 4,902 Commercial business 400 — — — 400 40,429 40,829 Total $ 3,577 $ 1,874 $ 1,649 $ — $ 7,100 $ 543,409 $ 550,509
Schedule of Credit Risk Profile Based on Payment Activity	The following table represents the credit risk profile based on payment activity as of December 31, 2018 , by type of loan (in thousands): One-to-four family Home equity Commercial and multifamily Construction and land Manufactured homes Floating homes Other consumer Commercial business Total Performing $ 168,710 $ 27,296 $ 252,110 $ 65,136 $ 19,931 $ 40,806 $ 6,628 $ 38,487 $ 619,104 Nonperforming 1,120 359 534 123 214 — — 317 2,667 Total $ 169,830 $ 27,655 $ 252,644 $ 65,259 $ 20,145 $ 40,806 $ 6,628 $ 38,804 $ 621,771 The following table represents the credit risk profile based on payment activity as of December 31, 2017 , by type of loan (in thousands): One-to-four family Home equity Commercial and multifamily Construction and land Manufactured homes Floating homes Other consumer Commercial business Total Performing $ 156,580 $ 27,657 $ 211,068 $ 61,390 $ 16,905 $ 29,120 $ 4,894 $ 40,612 $ 548,226 Nonperforming 837 722 201 92 206 — 8 217 2,283 Total $ 157,417 $ 28,379 $ 211,269 $ 61,482 $ 17,111 $ 29,120 $ 4,902 $ 40,829 $ 550,509
Schedule of Impaired Loans	Impaired loans at December 31, 2018 and 2017 , by type of loan were as follows (in thousands): December 31, 2018 Recorded Investment Unpaid Principal Balance Without Allowance With Allowance Total Recorded Investment Related Allowance One-to-four family $ 2,894 $ 1,085 $ 1,675 $ 2,760 $ 228 Home equity 520 359 81 440 25 Commercial and multifamily 702 702 — 702 — Construction and land 163 123 40 163 8 Manufactured homes 430 — 424 424 299 Other consumer 156 — 157 157 64 Commercial business 1,192 659 533 1,192 112 Total $ 6,057 $ 2,928 $ 2,910 $ 5,838 $ 736 December 31, 2017 Recorded Investment Unpaid Principal Balance Without Allowance With Allowance Total Recorded Investment Related Allowance One-to-four family $ 6,562 $ 3,197 $ 3,059 $ 6,256 $ 555 Home equity 1,149 677 351 1,028 120 Commercial and multifamily 1,722 1,699 — 1,699 — Construction and land 141 100 41 141 13 Manufactured homes 409 23 362 385 258 Other consumer 194 125 69 194 43 Commercial business 1,017 784 216 1,000 135 Total $ 11,194 $ 6,605 $ 4,098 $ 10,703 $ 1,124 Income on impaired loans for the year ended December 31, 2018 and 2017 , by type of loan were as follows (in thousands): Year Ended December 31, 2018 Year Ended December 31, 2017 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized One-to-four family $ 4,704 $ 214 $ 5,514 $ 320 Home equity 740 29 931 38 Commercial and multifamily 2,564 140 1,643 96 Construction and land 726 95 112 4 Manufactured homes 414 35 349 29 Other consumer 169 9 129 10 Commercial business 1,854 140 809 62 Total $ 11,171 $ 662 $ 9,487 $ 559
Schedule of Related Party Loans	In the ordinary course of business, the Company makes loans to its directors and officers. Certain loans to directors, officers, and employees are offered at discounted rates as compared to other clients as permitted by federal regulations. Employees, officers, and directors are eligible for mortgage loans with an adjustable rate that resets annually to 1% over the rolling cost of funds. Employees and officers are eligible for consumer loans that are 1% below the market loan rate at the time of origination. Director and officer loans are summarized as follows (in thousands): December 31, 2018 2017 Balance, beginning of period $ 4,012 $ 3,180 Advances 291 248 New / (reclassified) loans, net (1) (526 ) 1,387 Repayments (407 ) (803 ) Balance, end of period $ 3,370 $ 4,012 (1) Reclassified loans relate to changes in related parties during the year.

Mortgage Servicing Rights (Tabl

Mortgage Servicing Rights (Tables)	12 Months Ended
	Dec. 31, 2018
Transfers and Servicing [Abstract]
Summary of Change in the Balance of Mortgage Servicing Assets	A summary of the change in the balance of mortgage servicing assets at December 31, 2018 and 2017 is as follows (in thousands): At December 31, 2018 2017 Beginning balance, at fair value $ 3,426 $ 3,561 Servicing rights that result from transfers and sale of financial assets 482 277 Changes in fair value: Due to changes in model inputs or assumptions (1) (494 ) (412 ) Ending balance, at fair value $ 3,414 $ 3,426 (1) Represents changes due to collection/realization of expected cash flows and curtailments.
Mortgage Service Rights Assumptions	The key economic assumptions used in determining the fair value of mortgage servicing rights at the dates indicated are as follows: At December 31, 2018 2017 Prepayment speed (Public Securities Association "PSA" model) 123 % 160 % Weighted-average life 7.7 years 6.9 years Yield to maturity discount rate 12.5 % 13.0 %

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Schedule of Premises and Equipment	Premises and equipment at December 31, 2018 and 2017 are summarized as follows (in thousands): At December 31, 2018 2017 Land $ 920 $ 920 Buildings and improvements 6,393 6,302 Furniture and equipment 5,203 4,715 Less: Accumulated depreciation and amortization (5,472 ) (4,545 ) Premises and equipment, net $ 7,044 $ 7,392
Schedule of Minimum Future Rental Payments under Non-cancelable Operating Leases	Minimum rental payments under non-cancelable operating leases with initial or remaining terms of one year or more are as follows (in thousands): Year Ended December 31, Amount 2019 $ 1,085 2020 1,043 2021 986 2022 960 2023 931 Thereafter 4,820 $ 9,825

Other Real Estate Owned and R_2

Other Real Estate Owned and Repossessed Assets (Tables)	12 Months Ended
	Dec. 31, 2018
Real Estate [Abstract]
Activity Related to OREO and Repossessed Assets	The following table presents activity related to OREO and other repossessed assets for the periods shown (in thousands): Year Ended December 31, 2018 2017 Beginning balance $ 610 $ 1,172 Additions to OREO and repossessed assets 55 — Sales (16 ) (468 ) Write-downs/Losses (74 ) (94 ) $ 575 $ 610

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2018
Deposits [Abstract]
Summary of Deposits Accounts with the Corresponding Weighted Average Cost of Funds	A summary of deposit accounts with the corresponding weighted average cost of funds at December 31, 2018 and 2017 , are presented below (dollars in thousands): As of December 31, 2018 As of December 31, 2017 Deposit Balance Wtd. Avg Rate Deposit Balance Wtd. Avg Rate Noninterest-bearing demand $ 93,823 — % $ 69,094 — % Interest-bearing demand 164,919 0.47 173,413 0.43 Savings 54,102 0.29 49,450 0.21 Money market 46,689 0.24 54,860 0.21 Certificates 191,825 1.58 164,554 1.33 Escrow (1) 2,243 — 3,029 — Total $ 553,601 0.71 % $ 514,400 0.61 % (1) Escrow balances shown in noninterest-bearing deposits on the consolidated balance sheets.
Maturities of Time Deposits	Scheduled maturities of time deposits at December 31, 2018 , are as follows (in thousands): Year Ending December 31, Amount 2019 $ 110,749 2020 53,052 2021 16,129 2022 8,509 Thereafter 3,386 $ 191,825

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Schedule of Fair Value Hierarchy for Financial Instruments	The following tables present information about the level in the fair value hierarchy for the Company's financial instruments as of December 31, 2018 and 2017 (in thousands): December 31, 2018 Fair Value Measurements Using: Carrying Value Estimated Fair Value Level 1 Level 2 Level 3 FINANCIAL ASSETS: Cash and cash equivalents $ 61,810 $ 61,810 $ 61,810 $ — $ — Available for sale securities 4,957 4,957 — 4,957 — Loans held-for-sale 1,172 1,172 — 1,172 — Loans held for portfolio, net (1) 613,769 613,371 — — 613,371 Mortgage servicing rights 3,414 3,414 — — 3,414 FHLB Stock 4,134 4,134 — 4,134 — FINANCIAL LIABILITIES: Non-maturity deposits 361,776 361,776 — 361,776 — Time deposits (1) 191,825 191,679 — 191,679 — Borrowings 84,000 84,000 — 84,000 — December 31, 2017 Fair Value Measurements Using: Carrying Value Estimated Fair Value Level 1 Level 2 Level 3 FINANCIAL ASSETS: Cash and cash equivalents $ 60,680 $ 60,680 $ 60,680 $ — $ — Available for sale securities 5,435 5,435 — 5,435 — Loans held-for-sale 1,777 1,777 — 1,777 — Loans held for portfolio, net (1) 543,354 543,400 — — 543,400 Mortgage servicing rights 3,426 3,426 — — 3,426 FHLB Stock 3,065 3,065 — 3,065 — FINANCIAL LIABILITIES: Non-maturity deposits 349,846 349,846 — 349,846 — Time deposits (1) 164,554 163,485 — 163,485 — Borrowings 59,000 59,000 — 59,000 — (1) The estimated fair values of loans held for portfolio, net and time deposits for December 31, 2018 reflect exit price assumptions. The December 31, 2017 fair value estimates are not based on exit price assumptions.
Schedule of Fair value of Assets Measured on Recurring Basis	The following tables present the balance of assets measured at fair value on a recurring basis as of December 31, 2018 and 2017 (in thousands): Fair Value at December 31, 2018 Description Total Level 1 Level 2 Level 3 Municipal bonds $ 3,317 $ — $ 3,317 $ — Agency mortgage-backed securities 1,640 — 1,640 — Mortgage servicing rights 3,414 — — 3,414 Fair Value at December 31, 2017 Description Total Level 1 Level 2 Level 3 Municipal bonds $ 3,369 $ — $ 3,369 $ — Agency mortgage-backed securities 2,066 — 2,066 — Mortgage servicing rights 3,426 — — 3,426
Reconciliation of Assets and Liabilities Measured at Fair Value Using Significant Unobservable Inputs (Level 3)	The following table provides a reconciliation of assets and liabilities (excluding mortgage servicing rights) measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the year ended December 31, 2017 (in thousands): 2017 Beginning balance, at fair value $ 347 OTTI impairment losses — Sales, redemptions and principal payments (347 ) Change in unrealized loss — Ending balance, at fair value $ —
Schedule of Fair value of Assets Measured on Nonrecurring Basis	The following table presents the balance of assets measured at fair value on a nonrecurring basis and the total losses resulting from these fair value adjustments (in thousands): Fair Value at December 31, 2018 Description Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 575 $ — $ — $ 575 Impaired loans 5,838 — — 5,838 Fair Value at December 31, 2017 Description Total Level 1 Level 2 Level 3 OREO and repossessed assets $ 610 $ — $ — $ 610 Impaired loans 10,703 — — 10,703
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Summary of Quantitative Information	The following table provides a description of the valuation technique, unobservable input, and qualitative information about the unobservable inputs for the Company's assets and liabilities classified as Level 3 and measured at fair value on a recurring basis at December 31, 2018 : Financial Instrument Valuation Technique Unobservable Input(s) Range (Weighted Average) Mortgage Servicing Rights Discounted cash flow Prepayment speed assumption 80-515% (123%) Discount rate 13%-14% (12.5%) The following table provides a description of the valuation technique, unobservable input, and qualitative information about the unobservable inputs for the Company's assets and liabilities classified as Level 3 and measured at fair value on a recurring basis at December 31, 2017 : Financial Instrument Valuation Technique Unobservable Input(s) Range (Weighted Average) Mortgage Servicing Rights Discounted cash flow Prepayment speed assumption 103-412% (160%) Discount rate 13%-15% (12.5%)
Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Summary of Quantitative Information	The following table provides a description of the valuation technique, observable input, and qualitative information about the unobservable inputs for the Company's assets and liabilities classified as Level 3 and measured at fair value on a nonrecurring basis at December 31, 2018 : Financial Instrument Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) OREO Market approach Adjusted for difference between comparable sales 0-0% (0%) Impaired loans Market approach Adjusted for difference between comparable sales 0-100% (13%) The following table provides a description of the valuation technique, observable input, and qualitative information about the unobservable inputs for the Company's assets and liabilities classified as Level 3 and measured at fair value on a nonrecurring basis at December 31, 2017 : Financial Instrument Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) OREO Market approach Adjusted for difference between comparable sales 0-0% (0%) Impaired loans Market approach Adjusted for difference between comparable sales 0-100% (8%)

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Summary of Earnings per Common Share	Earnings per share are summarized for the periods presented in the following table (in thousands, except per share data): Year Ended December 31, 2018 2017 Net income $ 7,039 $ 5,125 Weighted average number of shares outstanding, basic 2,498 2,504 Effect of potentially dilutive common shares 69 64 Weighted average number of shares outstanding, diluted 2,567 2,568 Earnings per share, basic $ 2.82 $ 2.05 Earnings per share, diluted $ 2.74 $ 2.00

Employee Benefits (Tables)

Employee Benefits (Tables)	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary of Stock Option Plan Award Activity	The following is a summary of the Company's stock option plan award activity during the period ended December 31, 2018 : Shares Weighted-Average Exercise Price Weighted-Average Remaining Contractual Term In Years Aggregate Intrinsic Value Outstanding at the beginning of the year 186,363 $ 18.04 6.26 $ 2,977,279 Granted 3,400 36.00 Exercised (49,266 ) 14.92 Forfeited (7,321 ) 17.99 Expired — — Outstanding at December 31, 2018 133,176 19.66 5.89 1,716,306 Exercisable 101,788 18.56 5.60 1,423,658 Expected to vest, assuming a 0% forfeiture rate over the vesting term 31,388 $ 23.23 6.83 $ 292,648
Summary of Weighted-average Assumptions Used in Determining Fair Value of Options Granted	The fair value of each option grant is estimated as of the grant date using the Black-Scholes option-pricing model. The fair value of options granted in 2018 was determined using the following weighted-average assumptions as of the grant date. 2018 2017 Annual dividend yield 1.72 % 1.28 % Expected volatility 21.75 % 22.99 % Risk-free interest rate 2.95 % 2.20 % Expected term 6.50 years 6.50 years Weighted-average grant date fair value per option granted $ 7.63 $ 6.62
Summary of Nonvested Restricted Stock Awards	The following is a summary of the Company's non-vested restricted stock awards for the year ended December 31, 2018 : Non-vested Shares Shares Weighted-Average Grant-Date Fair Value Per Share Aggregate Intrinsic Value Per Share Non-vested at January 1, 2018 11,785 $ 19.05 Granted 323 35.27 Vested (10,907 ) 18.93 Forfeited (343 ) 18.36 Expired — — Non-vested at December 31, 2018 858 26.96 $ 32.55 Expected to vest assuming a 0% forfeiture rate over the vesting term 858 $ 26.96 $ 32.55

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Provision for Income Taxes	The provision for income taxes at December 31, 2018 and 2017 was as follows (in thousands): At December 31, 2018 2017 Current $ 1,637 $ 2,962 Deferred 69 (203 ) Rate change — 309 Total tax expense $ 1,706 $ 3,068
Reconciliation of Provision for Income Taxes	A reconciliation of the provision for income taxes for the years ended December 31, 2018 and 2017 , with amounts determined by applying the statutory U.S. federal income tax rate to income before income taxes, is as follows (dollars in thousands): Year Ended December 31, 2018 2017 Provision at statutory rate $ 1,836 $ 2,786 Tax-exempt income (79 ) (79 ) Rate change — 309 Other (51 ) 52 $ 1,706 $ 3,068 Federal Tax Rate 21.0 % 35.0 % Tax exempt rate (0.9 ) (1.0 ) Rate change — 3.8 Other (0.6 ) 0.6 Effective tax rate 19.5 % 38.4 %
Components of Deferred Tax Assets	The following table reflects the temporary differences that gave rise to the components of the Company's deferred tax assets at December 31, 2018 and 2017 (in thousands): At December 31, 2018 2017 Deferred tax assets Deferred compensation and supplemental retirement $ 411 $ 342 Other, net 89 66 Equity based compensation 35 84 Intangible assets 66 53 Allowance for loan losses 1,212 844 Total deferred tax assets 1,813 1,389 Deferred tax liabilities Prepaid expenses (59 ) (62 ) FHLB stock dividends (87 ) (87 ) Unrealized gain on securities (30 ) (35 ) Depreciation (312 ) (258 ) Mortgage servicing rights (161 ) (67 ) Deferred loan costs (728 ) (380 ) Total deferred tax liabilities (1,377 ) (889 ) Net deferred tax asset $ 436 $ 500

Minimum Regulatory Capital Re_2

Minimum Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2018
Regulatory Capital Requirements [Abstract]
Actual Capital Amounts and Ratios	The Bank's actual capital amounts (in thousands) and ratios as of December 31, 2018 and 2017 are presented in the following table: Actual Minimum Capital Requirements Minimum Required to be Well-Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018 Tier 1 Capital to total adjusted assets (1) $ 69,685 9.73 % $ 28,659 4.0 % $ 35,824 5.0 % Common Equity Tier 1 risk-based capital ratio (2) 69,685 11.76 26,665 4.5 38,516 6.5 Tier 1 Capital to risk-weighted assets (2) 69,685 11.76 35,553 6.0 47,404 8.0 Total Capital to risk-weighted assets (2) $ 75,874 12.80 % $ 47,404 8.0 % $ 59,255 10.0 % As of December 31, 2017 Tier 1 Capital to total adjusted assets (3) $ 62,432 10.10 % $ 24,721 4.0 % $ 30,902 5.0 % Common Equity Tier 1 risk-based capital ratio (4) 62,432 12.03 23,354 4.5 33,733 6.5 Tier 1 Capital to risk-weighted assets (4) 62,432 12.03 31,138 6.0 41,518 8.0 Total Capital to risk-weighted assets (4) $ 67,868 13.08 % $ 41,518 8.0 % $ 51,897 10.0 % (1) Based on total adjusted assets of $716,475 at December 31, 2018 . (2) Based on risk-weighted assets of $592,551 at December 31, 2018 . (3) Based on total adjusted assets of $618,035 at December 31, 2017 . (4) Based on risk-weighted assets of $518,970 at December 31, 2017 .

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
Summary of Financial Instruments whose Contract Amount Represents Credit Risk	Financial instruments whose contract amount represents credit risk were as follow (in thousands): At December 31, 2018 2017 Commitments to make loans $ 3,176 $ 1,689 Unfunded construction commitments 60,632 39,400 Unused lines of credit 45,315 32,440 Irrevocable letters of credit 1,460 1,400 Total loan commitments $ 110,583 $ 74,929

Parent Company Financial Info_2

Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information Disclosure [Abstract]
Balance Sheets	Balance sheets December 31, 2018 2017 Assets Cash and cash equivalents $ 18 $ 882 Investment in Sound Community Bank 70,785 63,535 Other assets 824 743 Total assets $ 71,627 $ 65,160 Liabilities and Stockholders' Equity Other liabilities $ — $ — Total liabilities — — Stockholders' equity 71,627 65,160 Total liabilities and stockholders' equity $ 71,627 $ 65,160
Statements of Income	Statements of Income Year Ended December 31, 2018 2017 Other expenses $ (310 ) $ (243 ) Income before income tax benefit and equity in undistributed net Income of subsidiary (310 ) (243 ) Income tax benefit 65 83 Equity in undistributed earnings of subsidiary 7,284 5,285 Net income $ 7,039 $ 5,125
Statements of Cash Flows	Statements of Cash Flows Year Ended December 31, 2018 2017 Cash flows from operating activities: Net income $ 7,039 $ 5,125 Adjustments to reconcile net income to net cash provided by operating activities Other, net (65 ) (83 ) Change in undistributed equity of subsidiary (7,284 ) (5,285 ) Net cash used in operating activities (310 ) (243 ) Cash flows from investing activities: ESOP shares released — 671 Net cash provided by investing activities — 671 Cash flows from financing activities: Dividends paid (1,367 ) (1,505 ) Dividends received from subsidiary 711 — Stock options exercised 102 43 Net cash used in financing activities (554 ) (1,462 ) Net decrease in cash (864 ) (1,034 ) Cash and cash equivalents at beginning of year 882 1,916 Cash and cash equivalents at end of year $ 18 $ 882

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	12 Months Ended
	Dec. 31, 2018
Revenue from Contract with Customer [Abstract]
Schedule of Noninterest Income	The following table presents the Company's sources of Noninterest Income for the year ended December 31, 2018 and 2017 (in thousands). Items outside of the scope of ASC 606 are noted as such. Year Ended December 31, 2018 2017 Noninterest income: Service charges and fee income Account maintenance fees $ 192 $ 178 Transaction-based and overdraft service charges 481 417 Debit/ATM interchange fees 927 912 Credit card interchange fees 40 32 Loan fees (a) 188 296 Other fees (a) 48 60 Total service charges and fee income 1,876 1,895 Earnings on cash surrender value of bank-owned life insurance (a) 320 327 Mortgage servicing income (a) 562 566 Net gain on sale of loans (a) 1,258 1,071 Other income (a) 490 — Total noninterest income $ 4,506 $ 3,859 (a) Not within scope of ASC 606

Organization and Significant _3

Organization and Significant Accounting Policies (Details)	12 Months Ended
	Dec. 31, 2018USD ($)segmentshares	Dec. 31, 2017USD ($)
Loans [Abstract]
Minimum past due period after which accrual of interest is discontinued	90 months
Loans charge off period, maximum	120 days
Period of consecutive monthly loan payments for loan to return to accrual status	12 months
Federal Home Loan Bank Stock and Federal Reserve Bank Stock [Abstract]
Minimum required investment in Federal Home Loan Bank Stock	$ 4,100,000	$ 3,100,000
Segment Reporting [Abstract]
Number of operating segments | segment	1
Advertising costs [Abstract]
Advertising costs	$ 244,000	204,000
Employee stock ownership plan [Abstract]
Unallocated shares (in shares) | shares	34,020
Shares released (in shares) | shares	11,340
Furniture and equipment | Minimum
Premises and equipment [Abstract]
Useful life	1 year
Furniture and equipment | Maximum
Premises and equipment [Abstract]
Useful life	10 years
Building | Maximum
Premises and equipment [Abstract]
Useful life	39 years
Core Deposits
Acquired Finite-Lived Intangible Assets [Line Items]
Intangible asset	$ 209,000	362,000
Remaining weighted average life	5 years 7 months 6 days
Impairment loss on intangible assets	$ 0	$ 0
Core Deposits | Minimum
Acquired Finite-Lived Intangible Assets [Line Items]
Amortization period	8 years
Core Deposits | Maximum
Acquired Finite-Lived Intangible Assets [Line Items]
Amortization period	10 years

Accounting Pronouncements Rec_2

Accounting Pronouncements Recently Issued or Adopted (Details) - Accounting Standards Update 2016-02 - Subsequent Event	Jan. 01, 2019
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Right-of-use asset, maximum percent of assets	5.00%
Lease liability, maximum percent of assets	5.00%

Restricted Cash (Details)

Restricted Cash (Details) - USD ($) $ in Millions	Dec. 31, 2018	Dec. 31, 2017
Cash and Cash Equivalents [Abstract]
Reserve balances with Federal Reserve Bank	$ 13.8	$ 12.2

Investments -Schedule of Amorti

Investments -Schedule of Amortized Cost and Fair Value of AFS Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 4,812	$ 5,270
Gross Unrealized Gains	168	191
Gross Unrealized Losses	(23)	(26)
Available-for-sale securities, at fair value	4,957	5,435
Municipal bonds
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	3,218	3,240
Gross Unrealized Gains	122	155
Gross Unrealized Losses	(23)	(26)
Available-for-sale securities, at fair value	3,317	3,369
Agency mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	1,594	2,030
Gross Unrealized Gains	46	36
Gross Unrealized Losses	0	0
Available-for-sale securities, at fair value	$ 1,640	$ 2,066

Investments -Schedule of Amor_2

Investments -Schedule of Amortized Cost and Fair Value of Mortgage-backed Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Amortized Cost
Due in one to five years	$ 1,566
Due after five to ten years	460
Due after ten years	1,192
Mortgage-backed securities	1,594
Amortized Cost	4,812	$ 5,270
Fair Value
Due in one to five years	1,550
Due after five to ten years	485
Due after ten years	1,282
Mortgage-backed securities	1,640
Total	$ 4,957	$ 5,435
Weighted-Average Yield
Due in one to five years	1.93%
Due after five to ten years	4.75%
Due after ten years	5.43%
Mortgage-backed securities	4.14%
Total	3.82%

Investments -Narrative (Details

Investments -Narrative (Details)	12 Months Ended
	Dec. 31, 2018USD ($)security	Dec. 31, 2017USD ($)security
Debt Securities, Available-for-sale [Line Items]
Pledged securities	$ 0	$ 0
Sale of AFS securities	0	0
Credit losses recognized in earnings	0	0
Available-for-sale securities, at fair value	$ 4,957,000	$ 5,435,000
Number of securities in unrealized loss position for less than 12 months | security	0	0
Agency mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Number of portfolio securities | security	6	7
Available-for-sale securities, at fair value	$ 1,640,000	$ 2,066,000
Municipal bonds
Debt Securities, Available-for-sale [Line Items]
Number of portfolio securities | security	8	8
Available-for-sale securities, at fair value	$ 3,317,000	$ 3,369,000
Number of securities in unrealized loss position for more than 12 months | security	3	3

Investments -Summary of Aggrega

Investments -Summary of Aggregate Fair Value and Gross Unrealized Loss by Length of Time (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value
Less Than 12 Months	$ 0	$ 0
12 Months or Longer	1,283	1,302
Total	1,283	1,302
Unrealized Loss
Less Than 12 Months	0	0
12 Months or Longer	(23)	(26)
Total	(23)	(26)
Municipal bonds
Fair Value
Less Than 12 Months	0	0
12 Months or Longer	1,283	1,302
Total	1,283	1,302
Unrealized Loss
Less Than 12 Months	0	0
12 Months or Longer	(23)	(26)
Total	$ (23)	$ (26)

Loans -Composition of the Loan

Loans -Composition of the Loan Portfolio, Excluding Loans Held-for-sale (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	$ 621,771	$ 550,509
Deferred fees	(2,228)	(1,914)
Total loans, gross	619,543	548,595
Allowance for loan losses	(5,774)	(5,241)	$ (4,822)
Total loans held for portfolio, net	613,769	543,354
One-to-four family
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	169,830	157,417
Allowance for loan losses	(1,314)	(1,436)	(1,542)
Home equity
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	27,655	28,379
Allowance for loan losses	(202)	(293)	(378)
Commercial and multifamily
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	252,644	211,269
Allowance for loan losses	(1,638)	(1,250)	(1,144)
Construction and land
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	65,259	61,482
Allowance for loan losses	(431)	(378)	(459)
Manufactured homes
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	20,145	17,111
Allowance for loan losses	(427)	(355)	(168)
Floating homes
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	40,806	29,120
Allowance for loan losses	(265)	(169)	(132)
Other consumer
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	6,628	4,902
Allowance for loan losses	(112)	(80)	(112)
Real estate loans
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	515,388	458,547
Real estate loans | One-to-four family
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	169,830	157,417
Real estate loans | Home equity
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	27,655	28,379
Real estate loans | Commercial and multifamily
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	252,644	211,269
Real estate loans | Construction and land
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	65,259	61,482
Consumer loans
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	67,579	51,133
Consumer loans | Manufactured homes
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	20,145	17,111
Consumer loans | Floating homes
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	40,806	29,120
Consumer loans | Other consumer
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	6,628	4,902
Commercial business
Loans and Leases Receivable, Net Amount [Abstract]
Total loans	38,804	40,829
Allowance for loan losses	$ (356)	$ (372)	$ (175)

Loans -Schedule of Allowance Fo

Loans -Schedule of Allowance For Loan Losses and Unpaid Principal Balance in Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Allowance for loan losses
Individually evaluated for impairment	$ 736	$ 1,124
Collectively evaluated for impairment	5,038	4,117
Ending balance	5,774	5,241	$ 4,822
Loans held for investment
Individually evaluated for impairment	5,838	10,703
Collectively evaluated for impairment	615,933	539,806
Ending balance	621,771	550,509
Commercial business
Allowance for loan losses
Individually evaluated for impairment	112	135
Collectively evaluated for impairment	244	237
Ending balance	356	372	175
Loans held for investment
Individually evaluated for impairment	1,192	1,000
Collectively evaluated for impairment	37,612	39,829
Ending balance	38,804	40,829
Unallocated
Allowance for loan losses
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,029	908
Ending balance	1,029	908	712
Loans held for investment
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	0	0
Ending balance	0	0
One-to-four family
Allowance for loan losses
Individually evaluated for impairment	228	555
Collectively evaluated for impairment	1,086	881
Ending balance	1,314	1,436	1,542
Loans held for investment
Individually evaluated for impairment	2,760	6,256
Collectively evaluated for impairment	167,070	151,161
Ending balance	169,830	157,417
Home equity
Allowance for loan losses
Individually evaluated for impairment	25	120
Collectively evaluated for impairment	177	173
Ending balance	202	293	378
Loans held for investment
Individually evaluated for impairment	440	1,028
Collectively evaluated for impairment	27,215	27,351
Ending balance	27,655	28,379
Commercial and multifamily
Allowance for loan losses
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,638	1,250
Ending balance	1,638	1,250	1,144
Loans held for investment
Individually evaluated for impairment	702	1,699
Collectively evaluated for impairment	251,942	209,570
Ending balance	252,644	211,269
Construction and land
Allowance for loan losses
Individually evaluated for impairment	8	13
Collectively evaluated for impairment	423	365
Ending balance	431	378	459
Loans held for investment
Individually evaluated for impairment	163	141
Collectively evaluated for impairment	65,096	61,341
Ending balance	65,259	61,482
Manufactured homes
Allowance for loan losses
Individually evaluated for impairment	299	258
Collectively evaluated for impairment	128	97
Ending balance	427	355	168
Loans held for investment
Individually evaluated for impairment	424	385
Collectively evaluated for impairment	19,721	16,726
Ending balance	20,145	17,111
Floating homes
Allowance for loan losses
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	265	169
Ending balance	265	169	132
Loans held for investment
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	40,806	29,120
Ending balance	40,806	29,120
Other consumer
Allowance for loan losses
Individually evaluated for impairment	64	43
Collectively evaluated for impairment	48	37
Ending balance	112	80	$ 112
Loans held for investment
Individually evaluated for impairment	157	194
Collectively evaluated for impairment	6,471	4,708
Ending balance	$ 6,628	$ 4,902

Loans -Summary of Activity in A

Loans -Summary of Activity in Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Allowance	$ 5,241	$ 4,822
Charge-offs	(50)	(143)
Recoveries	58	62
Provision	525	500
Ending Allowance	5,774	5,241
One-to-four family
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Allowance	1,436	1,542
Charge-offs	0	0
Recoveries	1	0
Provision	(123)	(106)
Ending Allowance	1,314	1,436
Home equity
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Allowance	293	378
Charge-offs	(7)	(89)
Recoveries	44	33
Provision	(128)	(29)
Ending Allowance	202	293
Commercial and multifamily
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Allowance	1,250	1,144
Charge-offs	0	(24)
Recoveries	0	1
Provision	388	129
Ending Allowance	1,638	1,250
Construction and land
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Allowance	378	459
Charge-offs	0	0
Recoveries	0	0
Provision	53	(81)
Ending Allowance	431	378
Manufactured homes
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Allowance	355	168
Charge-offs	(12)	(12)
Recoveries	0	8
Provision	84	191
Ending Allowance	427	355
Floating homes
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Allowance	169	132
Charge-offs	0	0
Recoveries	0	0
Provision	96	37
Ending Allowance	265	169
Other consumer
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Allowance	80	112
Charge-offs	(31)	(18)
Recoveries	12	20
Provision	51	(34)
Ending Allowance	112	80
Commercial business
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Allowance	372	175
Charge-offs	0	0
Recoveries	1	0
Provision	(17)	197
Ending Allowance	356	372
Unallocated
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Allowance	908	712
Charge-offs	0	0
Recoveries	0	0
Provision	121	196
Ending Allowance	$ 1,029	$ 908

Loans -Schedule of Credit Quali

Loans -Schedule of Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 621,771	$ 550,509
Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans	596,746	532,357
Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans	7,796	10,754
Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans	6,116	1,278
Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans	11,113	6,120
Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Loss
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
One-to-four family
Financing Receivable, Recorded Investment [Line Items]
Total loans	169,830	157,417
Home equity
Financing Receivable, Recorded Investment [Line Items]
Total loans	27,655	28,379
Commercial and multifamily
Financing Receivable, Recorded Investment [Line Items]
Total loans	252,644	211,269
Construction and land
Financing Receivable, Recorded Investment [Line Items]
Total loans	65,259	61,482
Manufactured homes
Financing Receivable, Recorded Investment [Line Items]
Total loans	20,145	17,111
Floating homes
Financing Receivable, Recorded Investment [Line Items]
Total loans	40,806	29,120
Other consumer
Financing Receivable, Recorded Investment [Line Items]
Total loans	6,628	4,902
Real estate loans
Financing Receivable, Recorded Investment [Line Items]
Total loans	515,388	458,547
Real estate loans | One-to-four family
Financing Receivable, Recorded Investment [Line Items]
Total loans	169,830	157,417
Real estate loans | One-to-four family | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans	163,655	153,793
Real estate loans | One-to-four family | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	244
Real estate loans | One-to-four family | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	137
Real estate loans | One-to-four family | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans	6,175	3,243
Real estate loans | One-to-four family | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Real estate loans | One-to-four family | Loss
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Real estate loans | Home equity
Financing Receivable, Recorded Investment [Line Items]
Total loans	27,655	28,379
Real estate loans | Home equity | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans	27,150	27,493
Real estate loans | Home equity | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Real estate loans | Home equity | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Real estate loans | Home equity | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans	505	886
Real estate loans | Home equity | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Real estate loans | Home equity | Loss
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Real estate loans | Commercial and multifamily
Financing Receivable, Recorded Investment [Line Items]
Total loans	252,644	211,269
Real estate loans | Commercial and multifamily | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans	246,907	199,887
Real estate loans | Commercial and multifamily | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,139	9,683
Real estate loans | Commercial and multifamily | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,497	357
Real estate loans | Commercial and multifamily | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,101	1,342
Real estate loans | Commercial and multifamily | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Real estate loans | Commercial and multifamily | Loss
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Real estate loans | Construction and land
Financing Receivable, Recorded Investment [Line Items]
Total loans	65,259	61,482
Real estate loans | Construction and land | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans	55,916	61,390
Real estate loans | Construction and land | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans	5,968	0
Real estate loans | Construction and land | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans	3,252	0
Real estate loans | Construction and land | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans	123	92
Real estate loans | Construction and land | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Real estate loans | Construction and land | Loss
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans
Financing Receivable, Recorded Investment [Line Items]
Total loans	67,579	51,133
Consumer loans | Manufactured homes
Financing Receivable, Recorded Investment [Line Items]
Total loans	20,145	17,111
Consumer loans | Manufactured homes | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans	19,860	16,877
Consumer loans | Manufactured homes | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans | Manufactured homes | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans | Manufactured homes | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans	285	234
Consumer loans | Manufactured homes | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans | Manufactured homes | Loss
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans | Floating homes
Financing Receivable, Recorded Investment [Line Items]
Total loans	40,806	29,120
Consumer loans | Floating homes | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans	40,806	29,120
Consumer loans | Floating homes | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans | Floating homes | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans | Floating homes | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans | Floating homes | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans | Floating homes | Loss
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans | Other consumer
Financing Receivable, Recorded Investment [Line Items]
Total loans	6,628	4,902
Consumer loans | Other consumer | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans	6,576	4,708
Consumer loans | Other consumer | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans | Other consumer | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans | Other consumer | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans	52	194
Consumer loans | Other consumer | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Consumer loans | Other consumer | Loss
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total loans	38,804	40,829
Commercial business | Pass
Financing Receivable, Recorded Investment [Line Items]
Total loans	35,876	39,089
Commercial business | Watch
Financing Receivable, Recorded Investment [Line Items]
Total loans	689	827
Commercial business | Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total loans	367	784
Commercial business | Substandard
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,872	129
Commercial business | Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Commercial business | Loss
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 0	$ 0

Loans -Schedule of Investment i

Loans -Schedule of Investment in Nonaccrual Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable Disclosure [Line Items]
Nonaccrual loans	$ 2,541	$ 2,149
One-to-four family
Loans and Leases Receivable Disclosure [Line Items]
Nonaccrual loans	1,075	791
Home equity
Loans and Leases Receivable Disclosure [Line Items]
Nonaccrual loans	360	722
Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Nonaccrual loans	0	8
Commercial and multifamily
Loans and Leases Receivable Disclosure [Line Items]
Nonaccrual loans	534	201
Construction and land
Loans and Leases Receivable Disclosure [Line Items]
Nonaccrual loans	123	92
Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Nonaccrual loans	214	206
Commercial business
Loans and Leases Receivable Disclosure [Line Items]
Nonaccrual loans	$ 235	$ 129

Loans -Summary of Recorded Inve

Loans -Summary of Recorded Investment Aging In Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 4,915	$ 7,100
Recorded Investment Greater Than 90 Days and Accruing	0	0
Current	616,856	543,409
Ending balance	621,771	550,509
30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,766	3,577
60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	627	1,874
Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,522	1,649
One-to-four family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,043	4,638
Recorded Investment Greater Than 90 Days and Accruing	0	0
Current	167,787	152,779
Ending balance	169,830	157,417
One-to-four family | 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1,362	2,092
One-to-four family | 60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	167	1,819
One-to-four family | Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	514	727
Home equity
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	731	1,159
Recorded Investment Greater Than 90 Days and Accruing	0	0
Current	26,924	27,220
Ending balance	27,655	28,379
Home equity | 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	298	521
Home equity | 60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	149	5
Home equity | Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	284	633
Commercial and multifamily
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	492	313
Recorded Investment Greater Than 90 Days and Accruing	0	0
Current	252,152	210,956
Ending balance	252,644	211,269
Commercial and multifamily | 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	139	313
Commercial and multifamily | 60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial and multifamily | Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	353	0
Construction and land
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	700	143
Recorded Investment Greater Than 90 Days and Accruing	0	0
Current	64,559	61,339
Ending balance	65,259	61,482
Construction and land | 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	650	51
Construction and land | 60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Construction and land | Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	50	92
Manufactured homes
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	406	432
Recorded Investment Greater Than 90 Days and Accruing	0	0
Current	19,739	16,679
Ending balance	20,145	17,111
Manufactured homes | 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	78	185
Manufactured homes | 60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	129	50
Manufactured homes | Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	199	197
Floating homes
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Recorded Investment Greater Than 90 Days and Accruing	0	0
Current	40,806	29,120
Ending balance	40,806	29,120
Floating homes | 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Floating homes | 60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Floating homes | Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Other consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	16	15
Recorded Investment Greater Than 90 Days and Accruing	0	0
Current	6,612	4,887
Ending balance	6,628	4,902
Other consumer | 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	11	15
Other consumer | 60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	5	0
Other consumer | Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
Commercial business
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	527	400
Recorded Investment Greater Than 90 Days and Accruing	0	0
Current	38,277	40,429
Ending balance	38,804	40,829
Commercial business | 30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	228	400
Commercial business | 60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	177	0
Commercial business | Greater than 90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 122	$ 0

Loans -Schedule of Credit Risk

Loans -Schedule of Credit Risk Profile Based on Payment Activity (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 621,771	$ 550,509
Performing
Financing Receivable, Recorded Investment [Line Items]
Total loans	619,104	548,226
Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total loans	2,667	2,283
One-to-four family
Financing Receivable, Recorded Investment [Line Items]
Total loans	169,830	157,417
One-to-four family | Performing
Financing Receivable, Recorded Investment [Line Items]
Total loans	168,710	156,580
One-to-four family | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total loans	1,120	837
Home equity
Financing Receivable, Recorded Investment [Line Items]
Total loans	27,655	28,379
Home equity | Performing
Financing Receivable, Recorded Investment [Line Items]
Total loans	27,296	27,657
Home equity | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total loans	359	722
Commercial and multifamily
Financing Receivable, Recorded Investment [Line Items]
Total loans	252,644	211,269
Commercial and multifamily | Performing
Financing Receivable, Recorded Investment [Line Items]
Total loans	252,110	211,068
Commercial and multifamily | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total loans	534	201
Construction and land
Financing Receivable, Recorded Investment [Line Items]
Total loans	65,259	61,482
Construction and land | Performing
Financing Receivable, Recorded Investment [Line Items]
Total loans	65,136	61,390
Construction and land | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total loans	123	92
Manufactured homes
Financing Receivable, Recorded Investment [Line Items]
Total loans	20,145	17,111
Manufactured homes | Performing
Financing Receivable, Recorded Investment [Line Items]
Total loans	19,931	16,905
Manufactured homes | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total loans	214	206
Floating homes
Financing Receivable, Recorded Investment [Line Items]
Total loans	40,806	29,120
Floating homes | Performing
Financing Receivable, Recorded Investment [Line Items]
Total loans	40,806	29,120
Floating homes | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	0
Other consumer
Financing Receivable, Recorded Investment [Line Items]
Total loans	6,628	4,902
Other consumer | Performing
Financing Receivable, Recorded Investment [Line Items]
Total loans	6,628	4,894
Other consumer | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total loans	0	8
Commercial business
Financing Receivable, Recorded Investment [Line Items]
Total loans	38,804	40,829
Commercial business | Performing
Financing Receivable, Recorded Investment [Line Items]
Total loans	38,487	40,612
Commercial business | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Total loans	$ 317	$ 217

Loans -Schedule of Impaired Loa

Loans -Schedule of Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Financing receivable Impaired
Unpaid Principal Balance	$ 6,057	$ 11,194
Recorded investment, without allowance	2,928	6,605
Recorded investment, with allowance	2,910	4,098
Total Recorded Investment	5,838	10,703
Related Allowance	736	1,124
Average Recorded Investment	11,171	9,487
Interest Income Recognized	662	559
One-to-four family
Financing receivable Impaired
Unpaid Principal Balance	2,894	6,562
Recorded investment, without allowance	1,085	3,197
Recorded investment, with allowance	1,675	3,059
Total Recorded Investment	2,760	6,256
Related Allowance	228	555
Average Recorded Investment	4,704	5,514
Interest Income Recognized	214	320
Home equity
Financing receivable Impaired
Unpaid Principal Balance	520	1,149
Recorded investment, without allowance	359	677
Recorded investment, with allowance	81	351
Total Recorded Investment	440	1,028
Related Allowance	25	120
Average Recorded Investment	740	931
Interest Income Recognized	29	38
Commercial and multifamily
Financing receivable Impaired
Unpaid Principal Balance	702	1,722
Recorded investment, without allowance	702	1,699
Recorded investment, with allowance	0	0
Total Recorded Investment	702	1,699
Related Allowance	0	0
Average Recorded Investment	2,564	1,643
Interest Income Recognized	140	96
Construction and land
Financing receivable Impaired
Unpaid Principal Balance	163	141
Recorded investment, without allowance	123	100
Recorded investment, with allowance	40	41
Total Recorded Investment	163	141
Related Allowance	8	13
Average Recorded Investment	726	112
Interest Income Recognized	95	4
Manufactured homes
Financing receivable Impaired
Unpaid Principal Balance	430	409
Recorded investment, without allowance	0	23
Recorded investment, with allowance	424	362
Total Recorded Investment	424	385
Related Allowance	299	258
Average Recorded Investment	414	349
Interest Income Recognized	35	29
Other consumer
Financing receivable Impaired
Unpaid Principal Balance	156	194
Recorded investment, without allowance	0	125
Recorded investment, with allowance	157	69
Total Recorded Investment	157	194
Related Allowance	64	43
Average Recorded Investment	169	129
Interest Income Recognized	9	10
Commercial business
Financing receivable Impaired
Unpaid Principal Balance	1,192	1,017
Recorded investment, without allowance	659	784
Recorded investment, with allowance	533	216
Total Recorded Investment	1,192	1,000
Related Allowance	112	135
Average Recorded Investment	1,854	809
Interest Income Recognized	$ 140	$ 62

Loans -Schedule of Related Part

Loans -Schedule of Related Party Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance, beginning of period	$ 4,012	$ 3,180
Advances	291	248
New / (reclassified) loans, net	(526)	1,387
Repayments	(407)	(803)
Balance, end of period	$ 3,370	$ 4,012

Loans -Narrative (Details)

Loans -Narrative (Details)	12 Months Ended
	Dec. 31, 2018USD ($)loan	Dec. 31, 2017USD ($)loan
Loans and Leases Receivable Disclosure [Line Items]
Forgone interest on nonaccrual loans	$ 172,000	$ 33,000
Commitments to lend additional funds to borrowers whose loan terms have been modified in TDRs	0	0
Loans classified as TDRs	$ 2,800,000	$ 3,700,000
Number of contracts | loan	6
Total modifications	$ 695,000
Number of loans with post-modification changes for unpaid principal balance in loans modified as TDRs | loan	1	0
Number of loans for which there was payment default within first 12 months of modification | loan	3	0
Amount of loans for which there was payment default within first 12 months of modification	$ 362,000
Annual adjustable rate over rolling cost of funds	1.00%
Discount on market loan rate for consumer loans to employees and officers	1.00%
Real estate secured loans with current loan-to-value ratios above supervisory guidelines	$ 5,800,000	$ 8,100,000
One-to-four family
Loans and Leases Receivable Disclosure [Line Items]
Total modifications	$ 1,400,000
Number of contracts paid off during the period | loan	2
Home equity
Loans and Leases Receivable Disclosure [Line Items]
Number of contracts paid off during the period | loan	2
TDR loans paid off during the period	$ 95,000
Manufactured homes
Loans and Leases Receivable Disclosure [Line Items]
Number of contracts paid off during the period | loan	1
TDR loan charge-off	$ 11,000
Minimum
Loans and Leases Receivable Disclosure [Line Items]
Period past due for loans still accruing interest to be considered nonperforming	90 days
Period of sufficient payment history for TDR to be considered performing	6 months
Period past due for TDR loans to be considered nonperforming	31 days

Mortgage Servicing Rights -Summ

Mortgage Servicing Rights -Summary of Change in the Balance of Mortgage Servicing Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Servicing Asset at Fair Value, Amount [Roll Forward]
Beginning balance, at fair value	$ 3,426	$ 3,561
Servicing rights that result from transfers and sale of financial assets	482	277
Changes in fair value:
Due to changes in model inputs or assumptions	(494)	(412)
Ending balance, at fair value	$ 3,414	$ 3,426

Mortgage Servicing Rights -Mort

Mortgage Servicing Rights -Mortgage Service Rights Assumptions (Details)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Transfers and Servicing [Abstract]
Prepayment speed assumption (as a percent)	123.00%	160.00%
Weighted-average life	7 years 7 months 30 days	6 years 10 months 24 days
Yield to maturity discount rate	12.50%	13.00%

Mortgage Servicing Rights -Narr

Mortgage Servicing Rights -Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Servicing Assets at Fair Value [Line Items]
Loans Serviced by Others	$ 24,300	$ 31,500
Contractually specified servicing, late and ancillary fees earned and recorded in mortgage servicing income, net of fair value market adjustments to the mortgage servicing rights	562	566
Federal National Mortgage Association
Servicing Assets at Fair Value [Line Items]
Loans Serviced for Others	352,200	361,100
Other financial institutions
Servicing Assets at Fair Value [Line Items]
Loans Serviced for Others	$ 2,200	$ 19,900

Premises and Equipment -Schedul

Premises and Equipment -Schedule of Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Line Items]
Less: Accumulated depreciation and amortization	$ (5,472)	$ (4,545)
Premises and equipment, net	7,044	7,392
Land
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	920	920
Buildings and improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	6,393	6,302
Furniture and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 5,203	$ 4,715

Premises and Equipment -Sched_2

Premises and Equipment -Schedule of Minimum Future Rental Payments under Non-cancelable Operating Leases (Details) $ in Thousands	Dec. 31, 2018USD ($)
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2019	$ 1,085
2020	1,043
2021	986
2022	960
2023	931
Thereafter	4,820
Total	$ 9,825

Premises and Equipment -Narrati

Premises and Equipment -Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Abstract]
Depreciation and amortization	$ 989	$ 943
Rental expense	$ 1,400	$ 1,100

Other Real Estate Owned and R_3

Other Real Estate Owned and Repossessed Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Other Real Estate [Roll Forward]
Beginning balance	$ 610	$ 1,172
Additions to OREO and repossessed assets	55	0
Sales	(16)	(468)
Write-downs/Losses	(74)	(94)
Ending balance	$ 575	$ 610

Deposits (Details)

Deposits (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Deposit Balance
Noninterest-bearing demand	$ 93,823,000	$ 69,094,000
Interest-bearing demand	164,919,000	173,413,000
Savings	54,102,000	49,450,000
Money market	46,689,000	54,860,000
Certificates	191,825,000	164,554,000
Escrow	2,243,000	3,029,000
Total deposits	$ 553,601,000	$ 514,400,000
Wtd. Avg Rate
Noninterest-bearing demand (as a percent)	0.00%	0.00%
Interest-bearing demand (as a percent)	0.47%	0.43%
Savings (as a percent)	0.29%	0.21%
Money market (as a percent)	0.24%	0.21%
Certificates (as a percent)	1.58%	1.33%
Escrow (as a percent)	0.00%	0.00%
Total deposits (as a percent)	0.71%	0.61%
Time Deposits, Fiscal Year Maturity [Abstract]
2019	$ 110,749,000
2020	53,052,000
2021	16,129,000
2022	8,509,000
Thereafter	3,386,000
Total time deposits	$ 191,825,000
Maximum time to maturity of certificate accounts	5 years
Maximum federal insurability of time deposits	$ 250,000	$ 250,000
Time deposits in denominations of $250,000 or more	52,700,000	47,100,000
Brokered deposits	0	512,000,000
Related party deposits	$ 2,800,000	$ 1,700,000

Borrowings (Details)

Borrowings (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Short-term Debt [Line Items]
Minimum required investment in Federal Home Loan Bank Stock	$ 4,100,000	$ 3,100,000
FHLB
Short-term Debt [Line Items]
Amount available to borrow under loan agreement	321,539,000	217,600,000
Outstanding borrowings	$ 84,000,000	$ 59,000,000
Weighted-average interest rate of borrowings	2.72%	1.63%
Maximum amount outstanding from FHLB under term advances	$ 99,500,000	$ 61,500,000
Average balance outstanding	$ 69,900,000	$ 29,800,000
Weighted average interest rate on borrowings	2.18%	1.16%
Minimum required investment in Federal Home Loan Bank Stock	$ 4,100,000	$ 3,100,000
One-to-four family | FHLB
Short-term Debt [Line Items]
Loans used as collateral for credit facility	128,400,000	111,500,000
Commercial and multifamily | FHLB
Short-term Debt [Line Items]
Loans used as collateral for credit facility	119,800,000	103,000,000
Home equity | FHLB
Short-term Debt [Line Items]
Loans used as collateral for credit facility	6,300,000	15,200,000
Line of Credit | Pacific Coast Banker's Bank
Short-term Debt [Line Items]
Amount available to borrow under loan agreement	2,000,000
Outstanding borrowings	$ 0	0
Term period	1 year
Line of Credit | Zions Bank
Short-term Debt [Line Items]
Outstanding borrowings	$ 0	0
Line of credit, maximum borrowing capacity	9,000,000
Line of credit facility, minimum cash balance required	250,000
Line of Credit | The Independent Bank
Short-term Debt [Line Items]
Amount available to borrow under loan agreement	10,000,000
Outstanding borrowings	0	0
Irrevocable letters of credit | FHLB
Short-term Debt [Line Items]
Letters of credit to secure public deposits	14,500,000	14,500,000
Net remaining amount available	$ 156,000,000	144,100,000
Federal funds | FHLB
Short-term Debt [Line Items]
Weighted-average interest rate of borrowings	2.63%
Contractual principal repayments due within one year	$ 59,000,000
Fixed Rate Advances | FHLB
Short-term Debt [Line Items]
Weighted-average interest rate of borrowings	2.96%
Fixed rate advances due within one year	$ 8,800,000
Fixed rate advances due after one year	$ 7,500,000
Weighted average interest rate on borrowings due one through three years	3.05%
Repo | FHLB
Short-term Debt [Line Items]
Weighted-average interest rate of borrowings	2.85%
Contractual principal repayments due within one year	$ 8,800,000
Federal Reserve Bank
Short-term Debt [Line Items]
Outstanding borrowings	0	0
Unused borrowing capacity	$ 47,300,000	$ 51,200,000

Fair Value Measurements -Schedu

Fair Value Measurements -Schedule of Fair Value Hierarchy for Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
FINANCIAL ASSETS:
Available for sale securities	$ 4,957	$ 5,435
Mortgage servicing rights	3,414	3,426	$ 3,561
Level 1
FINANCIAL ASSETS:
Cash and cash equivalents	61,810	60,680
Available for sale securities	0	0
Loans held-for-sale	0	0
Loans held for portfolio, net	0	0
Mortgage servicing rights	0	0
FHLB Stock	0	0
FINANCIAL LIABILITIES:
Non-maturity deposits	0	0
Time deposits	0	0
Borrowings	0	0
Level 2
FINANCIAL ASSETS:
Cash and cash equivalents	0	0
Available for sale securities	4,957	5,435
Loans held-for-sale	1,172	1,777
Loans held for portfolio, net	0	0
Mortgage servicing rights	0	0
FHLB Stock	4,134	3,065
FINANCIAL LIABILITIES:
Non-maturity deposits	361,776	349,846
Time deposits	191,679	163,485
Borrowings	84,000	59,000
Level 3
FINANCIAL ASSETS:
Cash and cash equivalents	0	0
Available for sale securities	0	0
Loans held-for-sale	0	0
Loans held for portfolio, net	613,371	543,400
Mortgage servicing rights	3,414	3,426
FHLB Stock	0	0
FINANCIAL LIABILITIES:
Non-maturity deposits	0	0
Time deposits	0	0
Borrowings	0	0
Carrying Value
FINANCIAL ASSETS:
Cash and cash equivalents	61,810	60,680
Available for sale securities	4,957	5,435
Loans held-for-sale	1,172	1,777
Loans held for portfolio, net	613,769	543,354
Mortgage servicing rights	3,414	3,426
FHLB Stock	4,134	3,065
FINANCIAL LIABILITIES:
Non-maturity deposits	361,776	349,846
Time deposits	191,825	164,554
Borrowings	84,000	59,000
Estimated Fair Value
FINANCIAL ASSETS:
Cash and cash equivalents	61,810	60,680
Available for sale securities	4,957	5,435
Loans held-for-sale	1,172	1,777
Loans held for portfolio, net	613,371	543,400
Mortgage servicing rights	3,414	3,426
FHLB Stock	4,134	3,065
FINANCIAL LIABILITIES:
Non-maturity deposits	361,776	349,846
Time deposits	191,679	163,485
Borrowings	$ 84,000	$ 59,000

Fair Value Measurements -Sche_2

Fair Value Measurements -Schedule of Fair value of Assets Measured on Recurring and Nonrecurring Basis (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset transfers from Level 1 into Level 2	$ 0	$ 0
Asset transfers from Level 2 into Level 3	0	0
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Municipal bonds	3,317,000	3,369,000
Agency mortgage-backed securities	1,640,000	2,066,000
Mortgage servicing rights	3,414,000	3,426,000
Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Municipal bonds	0	0
Agency mortgage-backed securities	0	0
Mortgage servicing rights	0	0
Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Municipal bonds	3,317,000	3,369,000
Agency mortgage-backed securities	1,640,000	2,066,000
Mortgage servicing rights	0	0
Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Municipal bonds	0	0
Agency mortgage-backed securities	0	0
Mortgage servicing rights	3,414,000	3,426,000
Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets	575,000	610,000
Impaired loans	5,838,000	10,703,000
Nonrecurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets	0	0
Impaired loans	0	0
Nonrecurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets	0	0
Impaired loans	0	0
Nonrecurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
OREO and repossessed assets	575,000	610,000
Impaired loans	$ 5,838,000	$ 10,703,000

Fair Value Measurements -Summar

Fair Value Measurements -Summary of Quantitative Information (Details) - Level 3	Dec. 31, 2018	Dec. 31, 2017
Prepayment speed assumption | Recurring | Mortgage Servicing Rights | Discounted cash flow | Minimum
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Measurement input, servicing assets (as a percent)	0.8	1.03
Prepayment speed assumption | Recurring | Mortgage Servicing Rights | Discounted cash flow | Maximum
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Measurement input, servicing assets (as a percent)	5.15	4.12
Prepayment speed assumption | Recurring | Mortgage Servicing Rights | Discounted cash flow | Weighted average
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Measurement input, servicing assets (as a percent)	1.23	1.60
Discount rate | Recurring | Mortgage Servicing Rights | Discounted cash flow | Minimum
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Measurement input, servicing assets (as a percent)	0.13	0.13
Discount rate | Recurring | Mortgage Servicing Rights | Discounted cash flow | Maximum
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Measurement input, servicing assets (as a percent)	0.14	0.15
Discount rate | Recurring | Mortgage Servicing Rights | Discounted cash flow | Weighted average
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Measurement input, servicing assets (as a percent)	0.125	0.125
Adjusted for difference between comparable sales | Nonrecurring | OREO | Market approach | Minimum
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Measurement input, other real estate owned (as a percent)	0	0
Adjusted for difference between comparable sales | Nonrecurring | OREO | Market approach | Maximum
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Measurement input, other real estate owned (as a percent)	0	0
Adjusted for difference between comparable sales | Nonrecurring | OREO | Market approach | Weighted average
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Measurement input, other real estate owned (as a percent)	0	0
Adjusted for difference between comparable sales | Nonrecurring | Impaired loans | Market approach | Minimum
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Measurement input, other real estate owned (as a percent)	0	0
Adjusted for difference between comparable sales | Nonrecurring | Impaired loans | Market approach | Maximum
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Measurement input, other real estate owned (as a percent)	1	1
Adjusted for difference between comparable sales | Nonrecurring | Impaired loans | Market approach | Weighted average
Fair Value Inputs, Assets, Quantitative Information [Line Items] (Deprecated 2018-01-31)
Measurement input, other real estate owned (as a percent)	0.13	0.08

Fair Value Measurements -Reconc

Fair Value Measurements -Reconciliation of Assets and Liabilities Measured at Fair Value Using Significant Unobservable Inputs (Level 3) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Assets or liabilities measured at fair value	$ 347	$ 0
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Beginning balance, at fair value	347
OTTI impairment losses	0
Sales, redemptions and principal payments	(347)
Change in unrealized loss	0
Ending balance, at fair value	$ 0

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Earnings Per Share [Abstract]
Net income	$ 7,039	$ 5,125
Weighted average number of shares outstanding, basic (in shares)	2,498,161	2,504,430
Effect of potentially dilutive common shares (in shares)	69,000	64,000
Weighted average number of shares outstanding, diluted (in shares)	2,567,165	2,568,082
Earnings per share, basic (in dollars per share)	$ 2.82	$ 2.05
Earnings per share, diluted (in dollars per share)	$ 2.74	$ 2
Anti-dilutive securities not included in computation of diluted earnings per common share (in shares)	0	0

Employee Benefits -401(K) Plan

Employee Benefits -401(K) Plan and Deferred Compensation Plan Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Deferred Compensation Liability [Abstract]
Employer contribution amount	$ 172,000	$ 132,000
Deferred compensation liability	104,000	103,000
Employer discretionary contribution	0	0
Nonqualified deferred compensation plan
Deferred Compensation Liability [Abstract]
Employer discretionary contribution	$ 75,000	$ 75,000
Annual vesting rate	20.00%
Percentage of annual compensation to be deferred	80.00%
Nonqualified deferred compensation plan | Maximum
Deferred Compensation Liability [Abstract]
Period of distribution in case of separation from service in annual installments	10 years
Period of in-service distributions in annual installments	5 years

Employee Benefits -Supplemental

Employee Benefits -Supplemental Executive Retirement Plans Narrative (Details) - Ms. Stewart	12 Months Ended
	Dec. 31, 2018USD ($)plan
SERP
Defined Benefit Plan Disclosure [Line Items]
Number of supplemental executive retirement plans | plan	2
SERP 1
Defined Benefit Plan Disclosure [Line Items]
Annual benefit payment related to supplemental executive retirement benefit plans	$ 53,320
SERP 2
Defined Benefit Plan Disclosure [Line Items]
Annual benefit payment related to supplemental executive retirement benefit plans	$ 96,390
Age for commencing additional retirement benefits	70 years
Period to pay single lump sum amount	90 days
Lump sum amount eligible for beneficiary	$ 1,200,000

Employee Benefits -Confidential

Employee Benefits -Confidentiality, Non-Competition, and Non-Solicitation Agreement Narrative (Details) - Non-compete Agreement - Ms. Stewart	12 Months Ended
	Dec. 31, 2018USD ($)annual_installment
Finite-Lived Intangible Assets [Line Items]
Expiration period	36 months
Supplemental retirement benefit payable to employee on bi-monthly basis during Restricted Period	$ 3,542
Percentage of retirement benefits payable to employee upon termination for good reason	150.00%
Period of average short term bonus pay	3 years
Lump sum amount of benefit payable to employee	$ 804,000
Number of monthly installments on termination benefits | annual_installment	12
Period of termination following change in control to be entitled to receive lump sum benefit	24 months

Employee Benefits -Stock Option

Employee Benefits -Stock Options and Restricted Stock Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)planshares	Dec. 31, 2017USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of existing Equity Incentive Plans | plan	2
Share-based compensation | $	$ 273	$ 523
Employee stock option
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Cumulative number of shares issued (in shares)	261,876
Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Cumulative number of shares issued (in shares)	107,193
2013 Plan | Stock options and stock appreciation rights
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized (in shares)	181,750
2013 Plan | Restricted stock and restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized (in shares)	116,700

Employee Benefits -Stock Opti_2

Employee Benefits -Stock Option Awards Narrative (Details) - Employee stock option $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Term of awards	10 years
Unrecognized compensation cost	$ 56
Remaining weighted-average vesting period	10 months 15 days
2008 Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Annual vesting percentage	20.00%
Vesting commencement period from grant date	1 year
2013 Plan | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	2 years
2013 Plan | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	4 years

Employee Benefits -Summary of S

Employee Benefits -Summary of Stock Option Plan Award Activity (Details) - Employee stock option - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Shares
Outstanding at the beginning of the year (in shares)	186,363
Granted (in shares)	3,400
Exercised (in shares)	(49,266)
Forfeited (in shares)	(7,321)
Expired (in shares)	0
Outstanding at the end of the year (in shares)	133,176	186,363
Exercisable (in shares)	101,788
Expected to vest, assuming a 0% forfeiture rate over the vesting term (in shares)	31,388
Weighted-Average Exercise Price
Outstanding, beginning of the year (in dollars per share)	$ 18.04
Granted (in dollars per share)	36
Exercised (in dollars per share)	14.92
Forfeited (in dollars per share)	17.99
Outstanding, end of the year (in dollars per share)	19.66	$ 18.04
Exercisable (in dollars per share)	18.56
Expected to vest, assuming a 0% forfeiture rate over the vesting term (in dollars per share)	$ 23.23
Weighted-Average Remaining Contractual Term In Years and Aggregate Instrinsic Value
Outstanding, contractual term	5 years 10 months 20 days	6 years 3 months 4 days
Exercisable, contractual term	5 years 7 months 6 days
Expected to vest, assuming a 0% forfeiture rate over the vesting term, contractual term	6 years 9 months 29 days
Outstanding, aggregate intrinsic value	$ 1,716,306	$ 2,977,279
Exercisable, aggregate intrinsic value	1,423,658
Expected to vest, assuming a 0% forfeiture rate over the vesting term, aggregate intrinsic value	$ 292,648
Forfeiture rate	0.00%
Summary of Weighted-average Assumptions Used in Determining Fair Value of Options Granted
Annual dividend yield	1.72%	1.28%
Expected volatility	21.75%	22.99%
Risk-free interest rate	2.95%	2.20%
Expected term	6 years 6 months	6 years 6 months
Weighted-average grant date fair value per option granted (in dollars per share)	$ 7.63	$ 6.62

Employee Benefits -Restricted S

Employee Benefits -Restricted Stock Awards Narrative (Details) - Restricted stock $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)annual_installment	Dec. 31, 2017USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost | $	$ 15
Remaining weighted-average vesting period	2 years 3 months 15 days
Total fair value of shares vested | $	$ 206	$ 263
Minimum | 2013 Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period, number of annual installments | annual_installment	1
Maximum | 2013 Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period, number of annual installments | annual_installment	2

Employee Benefits -Summary of N

Employee Benefits -Summary of Nonvested Restricted Stock Awards (Details) - Restricted stock	12 Months Ended
	Dec. 31, 2018$ / sharesshares
Shares
Non-vested, beginning of period (in shares) | shares	11,785
Granted (in shares) | shares	323
Vested (in shares) | shares	(10,907)
Forfeited (in shares) | shares	(343)
Expired (in shares) | shares	0
Non-vested, end of period (in shares) | shares	858
Expected to vest assuming a 0% forfeiture rate over the vesting term (in shares) | shares	858
Weighted-Average Grant-Date Fair Value Per Share
Non-vested, beginning of period (in dollars per share)	$ 19.05
Granted (in dollars per share)	35.27
Vested (in dollars per share)	18.93
Forfeited (in dollars per share)	18.36
Non-vested, end of period (in dollars per share)	26.96
Expected to vest assuming a 0% forfeiture rate over the vesting term, weighted average grant date fair value (in dollars per share)	26.96
Aggregate Intrinsic Value Per Share
Aggregate intrinsic value per share (in dollars per share)	32.55
Expected to vest assuming a 0% forfeiture rate over the vesting term, aggregate intrinsic value per share (in dollars per share)	$ 32.55
Forfeiture rate	0.00%

Employee Benefits - Employee St

Employee Benefits - Employee Stock Ownership Plan Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Aug. 31, 2012	Jan. 31, 2008
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Shares released (in shares)	11,340
Unallocated shares (in shares)	34,020
Shares purchased by ESOP (in shares)	9,858
Employee Stock Ownership Plan
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Repayment period	10 years
Number of restricted shares held by the trust (in shares)	171,254
Fair value of shares held by ESOP trust	$ 5,600
ESOP compensation expense	652	$ 640
Employee Stock Ownership Plan | ESOP Borrowing 2008
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Amount borrowed by ESOP to purchase common stock	$ 1,100			$ 1,200
Loan repayment from ESOP		$ 1,200
Employee Stock Ownership Plan | ESOP Borrowing 2012
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Amount borrowed by ESOP to purchase common stock			$ 1,100
ESOP loan interest rate	2.25%
ESOP remaining loan balance from shares purchased	$ 362

Income Taxes -Provision for Inc

Income Taxes -Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Current	$ 1,637	$ 2,962
Deferred	69	(203)
Rate change	0	309
Total tax expense	$ 1,706	$ 3,068

Income Taxes -Reconciliation of

Income Taxes -Reconciliation of Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Provision at statutory rate	$ 1,836	$ 2,786
Tax-exempt income	(79)	(79)
Rate change	0	309
Other	(51)	52
Total tax expense	$ 1,706	$ 3,068
Federal Tax Rate	21.00%	35.00%
Tax exempt rate	(0.90%)	(1.00%)
Rate change	0.00%	3.80%
Other	(0.60%)	0.60%
Effective tax rate	19.50%	38.40%

Income Taxes -Components of Def

Income Taxes -Components of Deferred Tax Assets (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Deferred tax assets
Deferred compensation and supplemental retirement	$ 411,000	$ 342,000
Other, net	89,000	66,000
Equity based compensation	35,000	84,000
Intangible assets	66,000	53,000
Allowance for loan losses	1,212,000	844,000
Total deferred tax assets	1,813,000	1,389,000
Deferred tax liabilities
Prepaid expenses	(59,000)	(62,000)
FHLB stock dividends	(87,000)	(87,000)
Unrealized gain on securities	(30,000)	(35,000)
Depreciation	(312,000)	(258,000)
Mortgage servicing rights	(161,000)	(67,000)
Deferred loan costs	(728,000)	(380,000)
Total deferred tax liabilities	(1,377,000)	(889,000)
Net deferred tax asset	436,000	500,000
Unrecognized tax benefits	0	0
Income tax penalties and interest expense	$ 0	$ 0

Minimum Regulatory Capital Re_3

Minimum Regulatory Capital Requirements (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Actual, Amount
Tier I capital to total adjusted assets	$ 69,685	$ 62,432
Common Equity Tier 1 risk-based capital ratio	69,685	62,432
Tier I capital to risk-weighted assets	69,685	62,432
Total capital to risk-weighted assets	$ 75,874	$ 67,868
Actual, Ratio
Tier I capital to total adjusted assets (as a percent)	9.73%	10.10%
Common Equity Tier 1 risk-based capital ratio (as a percent)	11.76%	12.03%
Tier I capital to risk-weighted asset (as a percent)	11.76%	12.03%
Total capital to risk-weighted assets (as a percent)	12.80%	13.08%
Minimum Capital Requirements, Amount
Tier I capital to total adjusted assets	$ 28,659	$ 24,721
Common Equity Tier I risk-based capital ratio	26,665	23,354
Tier I capital to risk-weighted assets	35,553	31,138
Total capital to risk-weighted assets	$ 47,404	$ 41,518
Minimum Capital Requirements, Ratio
Tier I capital to total adjusted assets (as a percent)	4.00%	4.00%
Common Equity Tier I risk-based capital ratio (as a percent)	4.50%	4.50%
Tier I capital to risk-weighted assets (as a percent)	6.00%	6.00%
Total capital to risk-weighted assets (as a percent)	8.00%	8.00%
Minimum Required to be Well-Capitalized Under Prompt Corrective Action Provisions, Amount
Tier I capital to total adjusted assets	$ 35,824	$ 30,902
Common Equity Tier I risk-based capital ratio	38,516	33,733
Tier I capital to risk-weighted assets	47,404	41,518
Total capital to risk weighted assets	$ 59,255	$ 51,897
Minimum Required to be Well-Capitalized Under Prompt Corrective Action Provisions, Ratio
Tier I capital to total adjusted assets (as a percent)	5.00%	5.00%
Common Equity Tier I risk-based capital ratio (as a percent)	6.50%	6.50%
Tier I capital to risk-weighted assets (as a percent)	8.00%	8.00%
Total capital to risk-weighted assets (as a percent)	10.00%	10.00%
Total adjusted assets	$ 716,475	$ 618,035
Total risk-weighted assets	$ 592,551	$ 518,970
Percentage of conversation buffer	4.80%
Sound Financial Bancorp
Actual, Ratio
Tier I capital to total adjusted assets (as a percent)	9.85%
Common Equity Tier 1 risk-based capital ratio (as a percent)	11.92%
Tier I capital to risk-weighted asset (as a percent)	11.92%
Total capital to risk-weighted assets (as a percent)	12.96%

Concentrations of Credit Risk (

Concentrations of Credit Risk (Details)	12 Months Ended
	Dec. 31, 2018
Accounts receivable | Customer concentration risk | Maximum
Concentration Risk [Line Items]
Loans to any borrower as a percent of unimpaired capital and surplus	15.00%

Commitments and Contingencies -

Commitments and Contingencies -Summary of Financial Instruments whose Contract Amount Represents Credit Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments whose contract amount represents a credit risk	$ 110,583	$ 74,929
Commitments to make loans
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments whose contract amount represents a credit risk	3,176	1,689
Unfunded construction commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments whose contract amount represents a credit risk	60,632	39,400
Unused lines of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments whose contract amount represents a credit risk	45,315	32,440
Irrevocable letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments whose contract amount represents a credit risk	$ 1,460	$ 1,400

Commitments and Contingencies_2

Commitments and Contingencies -Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)loan	Dec. 31, 2017USD ($)loan
Guarantor Obligations [Line Items]
Fixed rate loan commitments	$ 4,100	$ 3,400
Weighted average interest rate on fixed rate loan commitments	4.93%	4.29%
Notional amount on letters of credit issued by FHLB of Seattle	$ 14,500	$ 14,500
Loans repurchased		135
Stop loss insurance claim	239
Loan Repurchase Guarantee
Guarantor Obligations [Line Items]
Maximum amounts of guarantees on loans sold without recourse	$ 376,500	$ 392,600
Number of loans repurchased | loan	0	1

Parent Company Financial Info_3

Parent Company Financial Information -Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Assets
Cash and cash equivalents	$ 61,810	$ 60,680	$ 54,582
Other assets	4,208	4,778
Total assets	716,735	645,244
Liabilities and Stockholders' Equity
Other liabilities	6,681	5,972
Total liabilities	645,108	580,084
Stockholders' equity	71,627	65,160	60,275
Total liabilities and stockholders' equity	716,735	645,244
Parent Company
Assets
Cash and cash equivalents	18	882	$ 1,916
Investment in Sound Community Bank	70,785	63,535
Other assets	824	743
Total assets	71,627	65,160
Liabilities and Stockholders' Equity
Other liabilities	0	0
Total liabilities	0	0
Stockholders' equity	71,627	65,160
Total liabilities and stockholders' equity	$ 71,627	$ 65,160

Parent Company Financial Info_4

Parent Company Financial Information -Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Condensed Income Statements, Captions [Line Items]
Income before provision for income taxes	$ 8,745	$ 8,193
Income tax benefit	(1,706)	(3,068)
Net income	7,039	5,125
Parent Company
Condensed Income Statements, Captions [Line Items]
Other expenses	(310)	(243)
Income before provision for income taxes	(310)	(243)
Income tax benefit	65	83
Equity in undistributed earnings of subsidiary	7,284	5,285
Net income	$ 7,039	$ 5,125

Parent Company Financial Info_5

Parent Company Financial Information -Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities:
Net income	$ 7,039	$ 5,125
Adjustments to reconcile net income to net cash provided by operating activities
Net cash provided by operating activities	10,325	6,824
Cash flows from investing activities:
ESOP shares released	421	671
Net cash used in investing activities	(71,499)	(36,113)
Cash flows from financing activities:
Dividends paid	(1,367)	(1,505)
Stock options exercised	118	43
Net cash provided by financing activities	62,304	35,387
Net increase in cash and cash equivalents	1,130	6,098
Cash and cash equivalents, beginning of year	60,680	54,582
Cash and cash equivalents, end of year	61,810	60,680
Parent Company
Cash flows from operating activities:
Net income	7,039	5,125
Adjustments to reconcile net income to net cash provided by operating activities
Other, net	(65)	(83)
Change in undistributed equity of subsidiary	(7,284)	(5,285)
Net cash provided by operating activities	(310)	(243)
Cash flows from investing activities:
ESOP shares released	0	671
Net cash used in investing activities	0	671
Cash flows from financing activities:
Dividends paid	(1,367)	(1,505)
Dividends received from subsidiary	711	0
Stock options exercised	102	43
Net cash provided by financing activities	(554)	(1,462)
Net increase in cash and cash equivalents	(864)	(1,034)
Cash and cash equivalents, beginning of year	882	1,916
Cash and cash equivalents, end of year	$ 18	$ 882

Revenue from Contracts with C_3

Revenue from Contracts with Customers -Schedule of Noninterest Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Disaggregation of Revenue [Line Items]
Loan fees	$ 188	$ 296
Other fees	48	60
Total service charges and fee income	1,876	1,895
Earnings on cash surrender value of bank-owned life insurance	320	327
Mortgage servicing income	562	566
Net gain on sale of loans	1,258	1,071
Other income	490	0
Total noninterest income	4,506	3,859
Account maintenance fees
Disaggregation of Revenue [Line Items]
Service charges and fee income within scope of ASC 606	192	178
Transaction-based and overdraft service charges
Disaggregation of Revenue [Line Items]
Service charges and fee income within scope of ASC 606	481	417
Debit/ATM interchange fees
Disaggregation of Revenue [Line Items]
Service charges and fee income within scope of ASC 606	927	912
Credit card interchange fees
Disaggregation of Revenue [Line Items]
Service charges and fee income within scope of ASC 606	$ 40	$ 32

Revenue from Contracts with C_4

Revenue from Contracts with Customers -Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Revenue from Contract with Customer [Abstract]
Net loss on OREO	$ 74	$ 94

Subsequent Events (Details)

Subsequent Events (Details) - Subsequent Event - Dividend Declared	Jan. 28, 2019USD ($)$ / shares
Subsequent Event [Line Items]
Dividends declared (in dollars per share) | $ / shares	$ 0.14
Stock repurchase program, authorized amount | $	$ 1,750,000
Stock repurchase program, period in force	6 months