Third Coast Bancshares (TCBX) 10-K 16 Mar 22 2021 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2021	Mar. 10, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2021
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Entity Registrant Name	THIRD COAST BANCSHARES, INC.
Entity Central Index Key	0001781730
Current Fiscal Year End Date	--12-31
Entity Voluntary Filers	No
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	true
Entity Ex Transition Period	false
ICFR Auditor Attestation Flag	false
Entity Shell Company	false
Title of 12(b) Security	Common Stock, par value $1.00 per share
Trading Symbol	TCBX
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Well-known Seasoned Issuer	No
Entity Interactive Data Current	Yes
Entity Incorporation, State or Country Code	TX
Entity File Number	001-41028
Entity Tax Identification Number	46-2135597
Entity Address, Address Line One	20202 Highway 59 North
Entity Address, Address Line Two	Suite 190
Entity Address, City or Town	Humble
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	77338
City Area Code	281
Local Phone Number	446-7000
Document Annual Report	true
Document Transition Report	false
Entity Public Float			$ 0
Entity Common Stock, Shares Outstanding		13,442,782
Documents Incorporated by Reference	Documents Incorporated by Reference Portions of the Registrant's Definitive Proxy Statement relating to the Annual Meeting of Shareholders incorporated by reference into Part III of this Annual Report on Form 10-K.
Auditor Name	Whitley Penn LLP
Auditor Location	Austin, Texas
Auditor Firm ID	726

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Cash and cash equivalents:
Cash and due from banks	$ 326,733,000	$ 201,270,000
Federal funds sold	292,000	2,290,000
Total cash and cash equivalents	327,025,000	203,560,000
Interest bearing time deposits in other banks	131,000	129,000
Investment securities available for sale	26,432,000	25,595,000
Loans held for sale		2,345,000
Loans, net of allowance for loan loss of $19,295 and $11,979 at December 31, 2021 and 2020, respectively	2,049,429,000	1,544,113,000
Accrued interest receivable	10,228,000	13,676,000
Premises and equipment, net	19,045,000	15,156,000
Other real estate owned	1,676,000	3,367,000
Bank-owned life insurance	26,528,000	25,961,000
Non-marketable equity securities, at cost	7,527,000	4,407,000
Deferred tax asset, net	4,123,000	4,039,000
Core Deposit Intangible, net	1,292,000	1,454,000
Goodwill	18,034,000	18,034,000
Other assets	7,942,000	5,457,000
Total assets	2,499,412,000	1,867,293,000
Deposits:
Noninterest bearing	531,401,000	327,361,000
Interest bearing	1,609,798,000	1,306,470,000
Total deposits	2,141,199,000	1,633,831,000
Accrued interest payable	437,000	1,215,000
Other liabilities	7,769,000	6,654,000
FHLB advances	50,000,000	70,000,000
Line of credit - Senior Debt	1,000,000
Note payable - Senior Debt		20,875,000
Note payable - Subordinated Debt		13,000,000
Total liabilities	2,200,405,000	1,745,575,000
Commitments and contingencies - ESOP-owned shares	2,300,000	1,302,000
Shareholders' equity:
Common stock, $1 par value; 50,000,000 shares authorized; 13,481,786 and 6,350,184 issued; and 13,403,324 and 6,276,759 outstanding at December 31, 2021 and 2020, respectively	13,482,000	6,350,000
Additional paid-in capital	249,202,000	91,462,000
Retained earnings	36,029,000	24,605,000
Accumulated other comprehensive income	1,393,000	280,000
Treasury stock: at cost; 78,462 and 73,425 shares at December 31, 2021 and 2020, respectively	(1,099,000)	(979,000)
Stockholders' equity including ESOP owned shares	299,007,000	121,718,000
Less: ESOP-owned shares		1,302,000
Total shareholders' equity	299,007,000	120,416,000
Total liabilities & shareholders' equity	$ 2,499,412,000	$ 1,867,293,000

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Loans, net of allowance for loan loss	$ 19,295	$ 11,979
Common stock, par value	$ 1	$ 1
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	13,481,786	6,350,184
Common stock, shares outstanding	13,403,324	6,276,759
Treasury stock, shares	78,462	73,425

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest income:
Loans, including fees	$ 98,886,000	$ 80,791,000	$ 47,570,000
Investment securities available-for-sale	1,043,000	297,000	24,000
Federal funds sold and other	686,000	1,153,000	2,331,000
Total interest income	100,615,000	82,241,000	49,925,000
Interest expense:
Deposit accounts	8,526,000	12,302,000	13,787,000
FHLB advances and notes payable	1,536,000	2,058,000	2,187,000
Total interest expense	10,062,000	14,360,000	15,974,000
Net interest income	90,553,000	67,881,000	33,951,000
Provision for loan losses	9,923,000	7,550,000	1,625,000
Net interest income after provision for loan losses	80,630,000	60,331,000	32,326,000
Noninterest income:
Services charges and fees	2,367,000	1,709,000	547,000
Gain on sales of SBA loans	586,000	266,000
Other	1,925,000	707,000	670,000
Total noninterest income	4,878,000	2,682,000	1,217,000
Noninterest expense:
Salaries and employee benefits	48,642,000	29,262,000	19,983,000
Data processing and network expense	3,060,000	3,184,000	1,738,000
Occupancy and equipment expense	5,367,000	4,127,000	2,612,000
Legal and professional	5,293,000	3,962,000	2,415,000
Loan operations and other real estate owned expense	1,963,000	1,369,000	819,000
Advertising and marketing expenses	1,889,000	1,326,000	699,000
Telephone and communications	595,000	605,000	458,000
Software purchases and maintenance	852,000	420,000	328,000
Regulatory assessments	1,101,000	1,303,000	434,000
Loss on sale of other real estate owned	344,000		38,000
Other	1,919,000	1,845,000	786,000
Total noninterest expense	71,025,000	47,403,000	30,310,000
Net income before income tax expense	14,483,000	15,610,000	3,233,000
Income tax expense	3,059,000	3,495,000	852,000
Net income	$ 11,424,000	$ 12,115,000	$ 2,381,000
Earnings per common share:
Basic earnings per share	$ 1.45	$ 1.94	$ 0.62
Diluted earnings per share	$ 1.40	$ 1.91	$ 0.60

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Other Comprehensive Income [Abstract]
Net income	$ 11,424	$ 12,115	$ 2,381
Other comprehensive income:
Unrealized holding gains arising during the period	861	137	28
Income tax expense	(181)	(29)	(6)
Other comprehensive income on securities	680	108	22
Unrealized gain on derivatives:
Unrealized holding gains (losses) arising during the period	(216)	216
Unrealized gain on termination fee from derivatives	945
Reclassification adjustment for accretion recorded in interest expense during the period	(180)
Income tax expense	(115)	(45)
Other comprehensive income on derivatives	434	171
Total other comprehensive income	1,114	279	22
Total comprehensive income	$ 12,538	$ 12,394	$ 2,403

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Total	Common Stock	Additional Paid in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Less: ESOP-Owned Shares	Initial Public Offering	Initial Public OfferingCommon Stock	Initial Public OfferingAdditional Paid in Capital	Private Placement Offering	Private Placement OfferingCommon Stock	Private Placement OfferingAdditional Paid in Capital
Balance at Dec. 31, 2018	$ 54,126	$ 3,867	$ 40,911	$ 10,109	$ (22)	$ (413)	$ (326)
Net income	2,381			2,381
Share-based compensation	231		231
Stock options exercised	301	29	272
Issuance of common stock to ESOP		27	418				(445)
Net change in fair value of ESOP shares	(12)						(12)
Net redemption of treasury stock	(528)					(528)
Other comprehensive income, net of tax	22				22
Balance at Dec. 31, 2019	56,521	3,923	41,832	12,490		(941)	(783)
Net income	12,115			12,115
Share-based compensation	275		275
Stock options exercised	385	32	353
Common stock issued for acquisition of Heritage Bancorp, Inc.	50,861	2,363	48,498
Issuance of common stock to ESOP	(1)	32	504				(537)
Net change in fair value of ESOP shares	18						18
Net redemption of treasury stock	(37)					(37)
Other comprehensive income, net of tax	279				279
Balance at Dec. 31, 2020	120,416	6,350	91,462	24,605	279	(978)	(1,302)
Net income	11,424			11,424
Share-based compensation	659		659
Warrants exercised	19	2	17
Stock options exercised	995	83	912
Common stock issued from initial public offering and private placement offering								$ 92,043	$ 4,025	$ 88,018	$ 70,509	$ 2,938	$ 67,571
Issuance of common stock to ESOP		34	613				(647)
Terminated ESOP put option	2,266						2,266
Restricted stock grants		50	(50)
Net change in fair value of ESOP shares	(317)						$ (317)
Net redemption of treasury stock	(121)					(121)
Other comprehensive income, net of tax	1,114				1,114
Balance at Dec. 31, 2021	$ 299,007	$ 13,482	$ 249,202	$ 36,029	$ 1,393	$ (1,099)

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income	$ 11,424	$ 12,115	$ 2,381
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for loan losses	9,923	7,550	1,625
Changes in deferred tax asset, net	(380)	(1,708)	(418)
Share based compensation expense	659	275	231
Gain on sale of SBA loans	(586)	(266)
Writedown of other real estate owned		10
Loss on sale of other real estate owned	344		38
Loss on disposal of fixed assets		7
Amortization of premium on securities, net	34	60	2
Accretion of fees on derivative instruments	(180)
Accretion of SBA Paycheck Protection Program fees	(19,249)	(10,223)
Depreciation, amortization and accretion	(270)	78	869
Earnings on bank-owned life insurance	(567)	(354)	(258)
Changes in operating assets and liabilities:
Originations of loans held for sale		(5,003)
Proceeds from sale of loans held for sale	2,346	3,840
Accrued interest receivable and other assets	749	(9,699)	(1,324)
Accrued interest payable and other liabilities	337	(336)	441
Net cash provided by (used in) operating activities	4,584	(3,654)	3,587
Cash flows from investing activities:
Net increase in interest bearing deposits in other banks	(2)		(2)
(Increase) decrease in non-marketable equity securities	(3,120)	(987)	1,375
Investment securities available-for-sale activity:
Purchases	(1,997,000)	(1,923,756)	(599,988)
Maturities, calls and principal paydowns	1,996,989	1,902,560	600,320
Termination fee proceeds from derivative instruments	945
Net originations on loans held for investment	(493,601)	(482,413)	(120,708)
Net additions to bank premises and equipment	(5,620)	(1,354)	(2,976)
Proceeds from disposal of fixed assets		59
Construction additions on foreclosed assets		(230)	(395)
Proceeds from sales of foreclosed assets	1,347		675
Purchase of bank owned life insurance		(10,000)
Net cash acquired from acquisition of Heritage Bancorp, Inc.		16,112
Net cash used in investing activities	(500,062)	(500,009)	(121,699)
Cash flows from financing activities:
Net increase in deposits	507,726	566,774	72,559
Net (repayment) proceeds from issuance of FHLB Advances	(20,000)	40,000
Proceeds from issuance of notes payable		11,000	8,000
Repayment of notes payable	(32,875)	(7,500)	(1,500)
Proceeds from stock warrants exercised	19
Proceeds from stock options exercised	995	385	301
Net redemption of treasury stock	(121)	(38)	(527)
Net cash provided by financing activities	618,943	611,158	79,278
Increase in cash and cash equivalents	123,465	107,495	(38,834)
Cash and cash equivalents at beginning of period	203,560	96,065	134,899
Cash and cash equivalents at end of period	327,025	203,560	96,065
Supplemental Disclosures of Cash Flow Information:
Cash paid for interest	10,840	14,891	15,791
Cash paid for income taxes, net of $144,431 refund in 2020	6,525	2,656	990
Supplemental Disclosure of Noncash Investing and Financing Activities:
Loans transferred to other real estate owned, net		1,380	32
Net (increase) decrease in fair value of ESOP-owned shares	(317)	18	(13)
Terminated ESOP put option	2,266
Private Placement Offering
Cash flows from financing activities:
Proceeds from issuance of common stock	70,509
Initial Public Offering
Cash flows from financing activities:
Proceeds from issuance of common stock	92,043
ESOP Contributions
Cash flows from financing activities:
Proceeds from issuance of common stock	$ 647	537	$ 445
Heritage Bancorp, Inc.
Supplemental Disclosure of Noncash Investing and Financing Activities:
Common stock issued for acquisition of Heritage Bancorp, Inc.		$ 50,861

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows (Parenthetical) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)
Statement of Cash Flows [Abstract]
Income tax refunds	$ 144

Nature of Operations and Summar

Nature of Operations and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Nature of Operations and Summary of Significant Accounting Policies	1. Nature of Operations and Summary of Significant Accounting Policies Nature of Operations Third Coast Bancshares, Inc. ("Bancshares"), through its subsidiary, Third Coast Bank, SSB, a Texas state savings bank (the "Bank”), and the Bank’s subsidiary, Third Coast Commercial Capital, Inc. ("TCCC"), (collectively known as the “Company”), provide general consumer and commercial banking services through twelve branch offic es located in the North, Central and Southeast regions of Texas. Branch locations include: Humble, Beaumont, Port Arthur, Houston, Conroe, Pearland, Lake Jackson, Dallas, Plano, Detroit, La Vernia and Nixon. The Bank is engaged in traditional community banking activities, which include commercial and retail lending, deposit gathering, and investment and liquidity management activities. The Bank’s primary deposit products are demand deposits, money market accounts and certificates of deposit; its primary lending products are commercial business and real estate, residential-construction, real estate mortgage and consumer loans. TCCC engages in accounts receivable factoring activities. The Company is subject to the regulations of certain government agencies and undergoes periodic examinations by those regulatory authorities. Basis of Presentation The consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”) and with reporting practices prescribed by the financial services industry. The accompanying consolidated financial statements include the accounts of Bancshares, the Bank, and TCCC. All significant intercompany transactions and balances have been eliminated in consolidation. In the opinion of management, all adjustments that were recurring in nature and considered necessary have been included for fair presentation of the Company’s financial position and results of operations. On January 1, 2020, the Company acquired Heritage Bancorp, Inc. and its wholly-owned subsidiary, Heritage Bank (collectively known as "Heritage"). The Company merged Heritage Bancorp, Inc. with and into Bancshares and Heritage Bank with and into the Bank (see Note 19 - Business Combinations). The Company has evaluated subsequent events for potential recognition and/or disclosure through the date the consolidated financial statements were issued. Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ significantly from those estimates. Estimates subject to significant changes include the allowance for loan and lease losses, the expected cash flows and collateral values associated with impaired loans, the carrying value of other real estate owned ("OREO"), the fair value of financial instruments, business combination fair value computations, the valuation of goodwill and other intangible assets, stock-based compensation and deferred income tax assets. Cash and Cash Equivalents Cash and cash equivalents include cash, deposits with other financial institutions that have initial maturities of less than 90 days when acquired by the Company and federal funds sold. Interest Bearing Time Deposits in Other Banks Interest bearing time deposits in other banks are carried at cost and generally mature between 90 days to one year from purchase date. Investment Securities Available-For-Sale Investment securities available-for-sale consists of bonds, notes, and debentures that are not classified as trading securities or held-to-maturity securities. Investment securities available-for-sale are held for indefinite periods of time and carried at fair value, with the unrealized holding gains and losses reported as a component of other comprehensive income, net of tax. Management determines the appropriate classification of investment securities at the time of purchase. Loans and Allowance for Loan Losses Loans are stated at the amount of unpaid principal, reduced by unearned income and an allowance for loan losses ("ALLL"). Interest income is recognized using the effective interest method and includes amortization of deferred loan origination fees and costs over the life of the loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both principal and interest) according to the terms of the loan agreement. Reserves on impaired loans are primarily measured based on the fair value of the underlying collateral. Impaired loans, or portions thereof, are charged off when deemed uncollectible. The accrual of interest on loans is discontinued when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. When a loan is placed on non-accrual status, all previously accrued and unpaid interest is reversed. Interest income is subsequently recognized on a cash basis as long as the remaining book balance of the asset is deemed to be collectible. If collectability is questionable, then cash payments are applied to principal. A loan is placed back on accrual status when both principal and interest are current and it is probable that the Company will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement. The allowance for loan losses is established through a provision for loan losses charged against income. The allowance for loan losses includes specific reserves for impaired loans and an estimate of losses inherent in the loan portfolio at the balance sheet date, but not yet identified with specific loans. Loans deemed to be uncollectible are charged against the allowance when management believes that the collectability of the principal is unlikely and subsequent recoveries, if any, are credited to the allowance. Management’s periodic evaluation of the adequacy of the allowance is based on an assessment of the current loan portfolio, including known inherent risks, adverse situations that may affect the borrowers’ ability to repay, the estimated value of any underlying collateral and current economic conditions. From time to time, the Company modifies its loan agreement with a borrower. A modified loan is considered a troubled debt restructuring when two conditions are met: (i) the borrower is experiencing financial difficulty and (ii) concessions are made by the Company that would not otherwise be considered for a borrower with similar credit risk characteristics. Modifications to loan terms may include a lower interest rate, a reduction of principal, or a longer term to maturity. At the time of restructuring, the Company evaluates the economic and business conditions and collection efforts, and should the collection of interest be doubtful, the loan is placed on non-accrual. Each of these loans is evaluated for impairment and a specific reserve is recorded, as necessary, based on probable losses, taking into consideration the related collateral and modified loan terms and cash flow. The Company has certain lending policies and procedures in place that are designed to maximize loan income with an acceptable level of risk. Management reviews and approves these policies and procedures on a regular basis and makes changes as appropriate. Management receives frequent reports related to loan originations, quality, concentrations, delinquencies, non-performing, and potential problem loans. Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions, both by type of loan and geography. Commercial loans are underwritten after evaluating and understanding the borrower’s ability to operate profitably and effectively. Underwriting standards are designed to determine whether the borrower possesses sound business ethics and practices and to evaluate current and projected cash flows to determine the ability of the borrower to repay their obligations as agreed. Commercial loans are primarily made based on the identified cash flows of the borrower and, secondarily, on the underlying collateral provided by the borrower. Most commercial loans are secured by the assets being financed or other business assets, such as accounts receivable or inventory, and include personal guarantees. Agricultural loans are subject to underwriting standards and processes similar to commercial loans. Agricultural loans are primarily made based on the identified cash flows of the borrower and, secondarily, on the underlying collateral provided by the borrower. Most agricultural loans are secured by the agriculture related assets being financed, such as farmland, cattle, or equipment, and include personal guarantees. Real estate loans are also subject to underwriting standards and processes similar to commercial and agricultural loans. These loans are underwritten primarily based on projected cash flows and, secondarily, as loans secured by real estate. The repayment of real estate loans is generally largely dependent on the successful operation of the property securing the loans or the business conducted on the property securing the loan. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The properties securing the Company’s real estate portfolio are generally diverse in terms of type and geographic location primarily throughout the Houston, Dallas, and Beaumont-Port Arthur metropolitan areas. This diversity helps reduce the exposure to adverse economic events that affect any single market or industry. Generally, real estate loans are owner occupied which further reduces the Company’s risk. The Company utilizes methodical credit standards and analysis to supplement its policies and procedures in underwriting consumer loans. The Company’s loan policy addresses types of consumer loans that may be originated and the collateral, if secured, which must be perfected. The relatively smaller individual dollar amounts of consumer loans that are spread over numerous individual borrowers also minimizes the Company’s risk. Other loan categories included in our loan portfolio include agricultural loans made to farmers and ranchers relating to their operations and lease financing. Certain Acquired Loans Acquired loans purchased from third parties are recorded at their estimated fair value at the acquisition date, and are initially classified as either purchased credit impaired (“PCI”) loans (i.e., loans that reflect credit deterioration since origination and it is probable at acquisition that the Company will be unable to collect all contractually required payments) or purchased non-impaired loans (“acquired performing loans”). Acquired performing loans are accounted for under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 310-20. Performance of certain loans may be monitored and based on management’s assessment of the cash flows and other facts available, portions of the accretable difference may be delayed or suspended if management deems appropriate. The Company’s policy for determining when to discontinue accruing interest on acquired performing loans and the subsequent accounting for such loans is essentially the same as the policy for originated loans described above. An ALLL is calculated using a methodology similar to that described for originated loans. Acquired performing loans are subsequently evaluated for any required allowance at each reporting date. Such required allowance for each loan is compared to the remaining fair value discount for that loan. If greater, the excess is recognized as an addition to the allowance through a provision for loan losses. If less than the discount, no additional allowance is recorded. Charge-offs and losses first reduce any remaining fair value discount for the loan and once the discount is depleted, losses are applied against the allowance established for that loan. PCI loans are accounted for under the accounting guidance for loans and debt securities acquired with deteriorated credit quality, found in FASB ASC Topic 310-30, Receivables—Loans and Debt Securities Acquired with Deteriorated Credit Quality . The Company estimates the amount and timing of expected principal, interest and other cash flows for each loan meeting the criteria above and determines the excess of the loan’s scheduled contractual principal and contractual interest payments over all cash flows expected to be collected at acquisition as an amount that should not be accreted. These credit discounts (“nonaccretable marks”) are included in the determination of the initial fair value for acquired loans; therefore, an allowance for loan losses is not recorded at the acquisition date. Differences between the estimated fair values and expected cash flows of acquired loans at the acquisition date that are not credit-based (“accretable marks”) are subsequently accreted to interest income over the estimated life of the loans using a method that approximates a level yield method if the timing and amount of the future cash flows is reasonably estimable. Subsequent to the acquisition date for PCI loans, increases in cash flows over those expected at the acquisition date result in a move of the discount from nonaccretable to accretable. Decreases in expected cash flows after the acquisition date are recognized through the provision for loan losses. For PCI loans after acquisition, cash flows expected to be collected are recast for each loan periodically as determined appropriate by management. If the present value of expected cash flows for a loan is less than its carrying value, impairment is reflected by an increase in the ALLL and a charge to the provision for loan losses. If the present value of the expected cash flows for a loan is greater than its carrying value, any previously established ALLL is reversed and any remaining difference increases the accretable yield, which will be taken into income over the remaining life of the loan. Loan dispositions may include sales of loans, receipt of payments in full from the borrower, or foreclosure. Write-downs are not recorded on the PCI loan until actual losses exceed the remaining non-accretable difference. To date, no write-downs have been recorded for the PCI loans held by the Company. Loans that were considered troubled debt restructurings by the third party prior to the acquisition date are not required to be classified as troubled debt restructurings in the Company’s consolidated financial statements unless or until such loans would subsequently meet criteria to be classified as such, since acquired loans were recorded at their estimated fair values at the time of the acquisition. Loans Held for Sale and Servicing Assets Loans held for sale include mortgage loans originated with the intent to sell on the secondary market. Mortgage loans held for sale are held for an interim period of usually less than 30 days . Accordingly, these loans are carried at aggregate cost and deemed to be the equivalent of fair value based on the short-term nature of the loans. At December 31, 2021, the Company had no loans held for sale. At December 31, 2020, the Company had $ 2.3 million in loans held for sale. Certain Small Business Administration (“SBA”) loans are originated and intended for sale in the secondary market. They are carried at the lower of cost or estimated fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Gains or losses recognized upon the sale of loans are determined on a specific identification basis and are included in non-interest income. SBA loan transfers are accounted for as sales when control over the loan has been surrendered. Control over such loans is deemed to be surrendered when (i) the assets have been isolated from the Company, (ii) 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 (iii) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. The Company has adopted guidance issued by the FASB that clarifies the accounting and reporting standards for transfers and servicing of financial assets and extinguishments of liabilities, in which, after a transfer of financial assets, an entity recognizes the financial and servicing assets it controls and liabilities it has incurred, derecognizes financial assets when control has been surrendered, and derecognizes liabilities when extinguished. To calculate the gain or loss on sale of loans, the Company’s investment in the loan is allocated among the retained portion of the loan, the servicing retained, the interest-only strip and the sold portion of the loan, based on the relative fair value of each portion. The gain or loss on the sold portion of the loan is recognized based on the difference between the sale proceeds and the allocated investment. As a result of the relative fair value allocation, the carrying value of the retained portion is discounted, with the discount accreted to interest income over the life of the loan. Servicing assets are amortized over an estimated life using a method that is in proportion to the estimated future servicing income. In the event future prepayments exceed management’s estimates and future cash flows are inadequate to cover the servicing asset, additional amortization would be recognized. The portion of servicing fees in excess of the contracted servicing fees is reflected as interest-only strips receivable, which are classified as available for sale and are carried at fair value. At December 31, 2021 and 2020, the Company was servicing loans previously sold of approximately $ 3.8 million and $ 6.0 million, respectively. The related servicing assets receivable were not material to the consolidated financial statements at December 31, 2021 and 2020. Premises and Equipment Buildings, leasehold improvements, furniture and fixtures, and equipment are carried at cost, less accumulated depreciation, computed principally by the straight-line method based on the estimated useful lives of the related asset. Land is not depreciated. Major replacements and betterments are capitalized while maintenance and repairs are charged to expense when incurred. Gains or losses on dispositions are reflected in income as incurred. A small portion of the building’s floor space is currently leased out to tenants and recognized in income when earned. Other Real Estate Owned Other real estate owned represents properties acquired through or in lieu of loan foreclosure and are initially recorded at fair value less estimated costs to sell. Any write-down to fair value at the time of transfer to other real estate owned is charged to the allowance for loan losses. Costs of improvements are capitalized, whereas costs relating to holding other real estate owned and subsequent adjustments to the value are expensed. Operating and holding expenses of such properties, net of related income, are included in loan operations and other real estate owned expense on the accompanying consolidated statements of income. Gains or losses on dispositions are reflected in income as incurred. Bank-Owned Life Insurance The Company has purchased life insurance policies on certain employees. These bank-owned life insurance (“BOLI”) policies are recorded in the accompanying consolidated balance sheets at their cash surrender values. Income from these policies and changes in the cash surrender values are reported in the accompanying consolidated statements of income. Non-marketable securities The Company has restricted non-marketable securities which represent investment in Federal Home Loan Bank (“FHLB”) stock, Federal Reserve Bank (“FRB”) stock and Texas Independent Bank (“TIB”) stock. These investments are not readily marketable and carried at cost, which approximates fair value. As a member of the FHLB, FRB and TIB systems, the Company is required to maintain minimum level of investments in stock, based on the level of borrowings and other factors. Both cash and stock dividends are reported as income. Goodwill and Core Deposit Intangibles Goodwill represents the excess of cost over fair value of net assets acquired in a business combination. Goodwill is not amortized and is evaluated for impairment at least annually as of December 31 and on an interim basis if an event triggering impairment may have occurred. Core deposit intangibles are acquired customer relationships arising from bank acquisitions and are amortized on a straight-line basis over their estimated useful life of ten years. Core deposit intangibles are tested for impairment whenever events or changes in circumstances indicate the carrying amount of assets may not be recoverable from future undiscounted cash flows. Derivative Financial Instruments The Company enters into certain derivative financial instruments as part of its hedging strategy. Certain interest rate swap instruments are used for asset and liability management related to the Company’s commercial customers’ financing needs. These instruments are not designated as accounting hedges and changes in the net fair value are recognized in noninterest income or expense. Other interest rate swap instruments are used to mitigate overall interest rate risk and are designated as cash flow hedges. Changes in the net fair value are recognized in other comprehensive income. All derivatives are carried at fair value in either other assets or other liabilities (see Note 17 - Derivative Financial Instruments). Business Combinations The Company applies the acquisition method of accounting for business combinations. Under the acquisition method, the acquiring entity in a business combination recognizes 100% of the assets acquired and liabilities assumed at their acquisition date fair values. Management utilizes valuation techniques appropriate for the asset or liability being measured in determining these fair values. Any excess of the purchase price over amounts allocated to assets acquired, including identifiable intangible assets, and liabilities assumed is recorded as goodwill. Adjustments identified during the measurement period are recognized in the reporting period in which the adjustment amounts are determined. Acquisition related costs are expensed as incurred (see Note 19 – Business Combinations). Comprehensive Income Comprehensive income includes all changes in shareholders’ equity during a period, except those resulting from transactions with shareholders. Other than net income, comprehensive income includes the net effect of changes in the fair value of securities available-for-sale and certain derivative instruments designated as cash flow hedges. Revenues from Contracts with Customers The Company’s revenues from services such as deposit related fees, wire transfer fees, interchange fees, ATM fees, and merchant fee income are presented within non-interest income in the accompanying consolidated statements of income and are recognized as revenue as the Company satisfies its obligation to the customer. Advertising and Marketing Expenses Advertising and marketing expenses consist of the Company’s advertising in its local market area and are expensed as incurred. For the years ended December 31, 2021, 2020 and 2019, advertising and marketing expenses were $ 1.9 million, $ 1.3 million and $ 699,000 , respectively, and are included within noninterest expense in the accompanying consolidated statements of income. Income Taxes The Company files a consolidated income tax return with its subsidiary. Federal income tax expense or benefit is allocated on a separate return basis. Deferred tax assets and liabilities are reflected at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. Valuation allowances are established when necessary to reduce deferred tax assets to the amount expected to be realized. Share-Based Compensation Compensation expense for stock options is based on the fair value of the award on the measurement date, which, for the Company, is the date of the grant and is recognized ratably over the service period of the award. The fair value of stock options is estimated using the Black-Scholes option-pricing model. Basic and Diluted Earnings Per Common Share Earnings per common share is computed in accordance with ASC Topic 260, “Earnings Per Share.” Basic earnings per common share is computed by dividing net earnings allocated to common stock by the weighted-average number of common shares outstanding during the applicable period. Diluted earnings per common share is computed using the weighted-average number of shares determined for the basic earnings per common share computation plus the dilutive effect of stock compensation using the treasury stock method. A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 16 – Earnings Per Common Share. Reclassification Certain amounts in prior period consolidated financial statements may have been reclassified to conform to current period presentation. These reclassifications are immaterial and have no effect on net income, total assets or shareholders’ equity. Recently-Issued Accounting Standards In June 2016, the FASB issued ASU 2016-13, “Financial Instruments-Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments.” ASU 2016-13 is intended to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit. ASU 2016-13 is effective for fiscal years beginning after December 15, 2022. The Company has not yet evaluated the potential effects of adopting ASU 2016-13 on the Company’s consolidated results of operations, financial position, or cash flows. In February 2016, the FASB issued ASU 2016-02 - "Leases” (Topic 842). ASU 2016-02 is intended to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. ASU 2016-02 is effective for the annual periods beginning after December 15, 2021. Early adoption is permitted. The Company has evaluated the effects of ASU 2016-02 on its consolidated financial statements and disclosures and does not expect the adoption of ASU 2016-02 to have a significant impact on the Company's financial statements.

Investment Securities Available

Investment Securities Available for Sale	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Investment Securities Available for Sale	2. Investment Securities Available for Sale Investment securities have been classified in the consolidated balance sheets according to management’s intent. The carrying amount of securities and their approximate fair values as of December 31, 2021 and 2020 are as follows: December 31, 2021 (Dollars in thousands) Amortized Gross Gross Estimated Securities available-for-sale: State and municipal securities $ 1,087 $ 7 $ — $ 1,094 Mortgage-backed securities 791 20 — 811 Corporate bonds 23,556 972 1 24,527 $ 25,434 $ 1,000 $ 1 $ 26,432 December 31, 2020 (Dollars in thousands) Amortized Gross Gross Estimated Securities Available-for-sale: State and municipal securities $ 1,881 $ 14 $ 1 $ 1,894 Mortgage-backed securities 1,005 23 — 1,028 Corporate bonds 22,571 321 219 22,673 $ 25,457 $ 358 $ 220 $ 25,595 Mortgage-backed securities are typically issued with stated principal amounts and are backed by pools of mortgages that have loans with varying maturities. The characteristics of the underlying pool of mortgages, such as prepayment risk, are passed on to the certificate holder. Accordingly, the term of mortgage-backed securities approximates the term of the underlying mortgages and can vary significantly due to prepayments. The amortized cost and estimated fair value of securities available for sale at December 31, 2021, by contractual maturity, are shown below. December 31, 2021 Securities (Dollars in thousands) Amortized Estimated Due in one year or less $ 661 $ 662 Due from one year to five years 426 432 Due from five to ten years 23,556 24,527 24,643 25,621 Mortgage-backed securities 791 811 $ 25,434 $ 26,432 The following table summarizes securities with unrealized losses at December 31, 2021 and 2020, aggregated by major security type and length of time in a continuous unrealized loss position: December 31, 2021 (Dollars in thousands) Less Than 12 Greater Than 12 Total Estimated Securities available-for-sale: Corporate bonds $ — $ 1 $ 1 $ 3,999 $ — $ 1 $ 1 $ 3,999 December 31, 2020 (Dollars in thousands) Less Than 12 Greater Than 12 Total Estimated Securities available-for-sale: State and municipal securities $ 1 $ — $ 1 $ 503 Corporate bonds 219 — 219 12,102 $ 220 $ — $ 220 $ 12,605 There were two investments in an unrealized loss position at December 31, 2021, and nine investments in an unrealized loss position at December 31, 2020. The Company does not consider any securities to be other-than-temporarily impaired. In estimating other-than-temporary impairment losses, the Company considers, among other things, (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near term prospects of the issuer, (iii) that the Company does not intend to sell these securities, and (iv) it is more likely than not that the Company will not be required to sell before a period of time sufficient to allow for any anticipated recovery in fair value. The Company has reviewed the ratings of the issuers and has not identified any issues related to the ultimate repayment of principal because of credit concerns on these securities. There were no securities pledged as collateral as of December 31, 2021 and 2020.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Loans and Allowance for Loan Losses	3. Lo ans and Allowance for Loan Losses Loans in the accompanying consolidated balance sheets consisted of the following: December 31, (Dollars in thousands) 2021 2020 Real estate loans: Non-farm non-residential owner occupied $ 383,941 $ 353,273 Non-farm non-residential non-owner occupied 445,308 277,804 Residential 213,264 140,622 Construction, development & other 320,335 98,207 Farmland 9,934 4,653 Commercial & industrial 611,348 645,928 Consumer 4,001 4,157 Other 80,593 31,448 2,068,724 1,556,092 Allowance for loan losses ( 19,295 ) ( 11,979 ) Loans, net $ 2,049,429 $ 1,544,113 Total loans are presented net of unaccreted discounts and deferred fees tota ling $ 6.5 million and $ 10.4 million at December 31, 2021 and 2020, respectively. The Company h ad $ 81.6 mill ion and $ 390.8 million in outstanding loan balances related to the guaranteed SBA Paycheck Protection Program (“PPP”) as of December 31, 2021 and 2020, respectively. These loans are included within the commercial and industrial loan balances throughout the footnotes. Non-accrual 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. As mentioned in Note 1, the accrual of interest on loans is discontinued when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. Non-accrual loans and accruing loans past due more than 90 days segregated by class of loans were as follows: December 31, 2021 2020 (Dollars in thousands) Non-accrual Accruing loans Non-accrual Accruing loans Real estate loans: Non-farm non-residential owner occupied $ 1,008 $ — $ 1,944 $ 569 Non-farm non-residential non-owner occupied 346 — 385 — Residential 127 — 85 183 Construction, development & other 244 — 264 — Farmland — — — — Commercial & industrial 8,297 278 4,155 — Consumer — — — — Other — — — — Purchased credit impaired 8 — 424 — $ 10,030 $ 278 $ 7,257 $ 752 As of December 31, 2021 and 2020, the amount of income that would have been accrued for loans on non-accrual was approximately $ 453,000 and $ 298,000 , respectively. An age analysis of past due loans, segregated by class of loans, were as follows: December 31, 2021 (Dollars in thousands) 30-59 60-89 Over 90 Total Total Total Real estate loans: Non-farm non-residential $ 291 $ — $ 1,008 $ 1,299 $ 382,642 $ 383,941 Non-farm non-residential 161 — 346 507 444,079 444,586 Residential 230 — 127 357 212,822 213,179 Construction, — 395 244 639 315,584 316,223 Farmland — — — — 9,934 9,934 Commercial & industrial 960 457 8,575 9,992 601,291 611,283 Consumer 9 — — 9 3,992 4,001 Other 18 1 — 19 80,574 80,593 Purchased credit impaired — — 8 8 4,976 4,984 $ 1,669 $ 853 $ 10,308 $ 12,830 $ 2,055,894 $ 2,068,724 December 31, 2020 (Dollars in thousands) 30-59 60-89 Over 90 Total Total Total Real estate loans: Non-farm non-residential $ 287 $ — $ 2,512 $ 2,799 $ 350,474 $ 353,273 Non-farm non-residential 1,734 — 385 2,119 271,785 273,904 Residential 287 — 269 556 140,048 140,604 Construction, — — 264 264 93,820 94,084 Farmland — — — — 4,653 4,653 Commercial & industrial 842 256 4,155 5,253 640,405 645,658 Consumer 50 — — 50 4,107 4,157 Other 21 — — 21 31,427 31,448 Purchased credit impaired — — 424 424 7,887 8,311 $ 3,221 $ 256 $ 8,009 $ 11,486 $ 1,544,606 $ 1,556,092 Impaired Loans The following tables present impaired loans by class of loans: December 31, 2021 (Dollars in thousands) Unpaid Recorded Recorded Total Related Average Real estate loans: Non-farm non-residential $ 1,008 $ 1,008 $ — $ 1,008 $ — $ 1,051 Non-farm non-residential 5,641 5,630 — 5,630 — 5,680 Residential 130 127 — 127 — 138 Construction, 241 244 — 244 — 255 Farmland — — — — — — Commercial & industrial 8,297 7,331 967 8,298 290 9,117 Consumer — — — — — — Other — — — — — — Purchased credit impaired 65 — 65 65 17 71 $ 15,382 $ 14,340 $ 1,032 $ 15,372 $ 307 $ 16,312 December 31, 2020 (Dollars in thousands) Unpaid Recorded Recorded Total Related Average Real estate loans: Non-farm non-residential $ 1,944 $ 1,944 $ — $ 1,944 $ — $ 1,754 Non-farm non-residential 385 384 — 384 — 406 Residential 85 83 — 83 — 70 Construction, 264 267 — 267 — 188 Farmland — — — — — — Commercial & industrial 4,737 3,706 1,031 4,737 136 4,904 Consumer — — — — — — Other — — — — — — Purchased credit impaired — — — — — — $ 7,415 $ 6,384 $ 1,031 $ 7,415 $ 136 $ 7,322 December 31, 2019 (Dollars in thousands) Unpaid Recorded Recorded Total Related Average Real estate loans: Non-farm non-residential $ 57 $ 57 $ — $ 57 $ — $ 59 Non-farm non-residential — — — — — — Residential 458 459 — 459 — 462 Construction, — — — — — — Farmland — — — — — — Commercial & industrial 3,343 995 2,348 3,343 1,178 4,180 Consumer 14 14 — 14 — 17 Other 34 — 34 34 8 35 Purchased credit impaired 295 171 — 171 — 182 $ 4,201 $ 1,696 $ 2,382 $ 4,078 $ 1,186 $ 4,935 Interest payments received on impaired loans are recorded as interest income unless collections of the remaining recorded investment are doubtful, at which time payments received are recorded as reductions of principal. Interest income collected on impaired loans was approximately $ 248,000 , $ 26,000 and $ 0 for the years ended December 31, 2021, 2020 and 2019, respectively. Troubled Debt Restructuring During the year ended December 31, 2021 and 2020, the terms of one loan were modified as a troubled debt restructuring (“TDR”). The following table presents modifications of loans the Company considers to be TDR loans: December 31, 2021 Loan modifications (Dollars in thousands) Number Pre- Post- Adjusted Payment Combined Real estate loans: Non-farm non-residential 3 $ 878 $ 878 $ — $ 878 $ — Non-farm non-residential 1 5,294 5,294 — 5,294 — Residential — — — — — — Construction, — — — — — — Farmland — — — — — — Commercial & industrial — — — — — — Consumer — — — — — — Other — — — — — — 4 $ 6,172 $ 6,172 $ — $ 6,172 $ — December 31, 2020 Loan modifications (Dollars in thousands) Number Pre- Post- Adjusted Payment Combined Real estate loans: Non-farm non-residential 3 $ 927 $ 927 $ — $ 927 $ — Non-farm non-residential — — — — — — Residential — — — — — — Construction, — — — — — — Farmland — — — — — — Commercial & industrial 2 758 758 — 758 — Consumer — — — — — — Other — — — — — — 5 $ 1,685 $ 1,685 $ — $ 1,685 $ — There were no loans modified as TDRs during the year ended December 31,2019. No loans modified under a troubled debt restructuring during the previous twelve-month period were in default as of December 31, 2021, 2020 and 2019. A default for purposes of this disclosure is a troubled debt restructured loan in which the borrower is 90 days past due or results in the foreclosure and repossession of the applicable collateral. At December 31, 2021, 2020 and 2019, the Company had no commitments to lend additional funds to borrowers with loans whose terms had been modified under troubled debt restructurings. COVID-19 Loan Deferments Certain borrowers were unable to meet their contractual payment obligations because of the adverse effects of COVID-19. During March of 2020 and to help mitigate these effects, the Company began offering deferral modifications of principal and/or interest payments for varying periods, but typically no more than 90 days. After 90 days, customers could apply for an additional deferral, and a small portion of our customers requested such an additional deferral. At December 31, 2021 and 2020, the Company had approximately 500 and 800 loans totaling $ 223.6 mill ion and $ 488.2 million in outstanding loan balances subject to deferral and modification agreements due to COVID whereby principal and/or interest payments were deferred to the end of each loan term. Subsequent to the approved deferral period, customers resumed their regular payments. The Coronavirus Aid, Relief, and Economic Security Act (the "CARES Act") provides banks an option to elect to not account for certain loan modifications related to COVID as troubled debt restructurings if the borrowers were not more than 30 days past due at December 31, 2019. In the absence of other intervening factors, such short-term modifications made on a good faith basis are not categorized as troubled debt restructurings, nor are loans granted payment deferrals related to COVID-19 reported as past due or placed on non-accrual status. At December 31, 2021 and 2020, $ 4.4 million and $ 6.7 million in accrued interest receivables related to these loans remained outstanding and will be collected at the end of eac h loan term. Credit Quality Indicators Credit Quality Indicators. From a credit risk standpoint, the Company classifies its loans in one of six categories: (i) pass, (ii) special mention, (iii) substandard, (iv) purchased credit impaired, (v) doubtful, or (vi) loss. The classifications of loans reflect a judgment about the risks of default and loss associated with the loan. The Company reviews the ratings on credits monthly. Ratings are adjusted to reflect the degree of risk and loss that is felt to be inherent in each credit as of each monthly reporting period. The Company’s methodology is structured so that specific allocations are increased in accordance with deterioration in credit quality (and a corresponding increase in risk and loss) or decreased in accordance with improvement in credit quality (and a corresponding decrease in risk and loss). (i) The Company has several pass credit grades that are assigned to loans based on varying levels of credits, ranging from credits that are secured by cash or marketable securities, to watch credits that have all the characteristics of an acceptable credit risk but warrant more than the normal level of supervision. (ii) Special mention loans are loans that still show sufficient cash flow to service their debt but show a declining financial trend with potential cash flow shortages if trends continue. This category should be treated as a temporary grade. If cash flow deteriorates further to become negative, then a substandard grade should be given. If cash flow trends begin to improve then an upgrade back to pass would be justified. Nonfinancial reasons for rating a credit special mention include management problems, pending litigation, an ineffective loan agreement or other material structure weakness. (iii) A substandard loan has material weakness in the primary repayment source such as insufficient cash flow from operations to service the debt. However, other weaknesses such as limited paying capacity of the obligor or the collateral pledged could justify a substandard grade. Substandard loans must have a well-defined weakness, or weaknesses that jeopardize the liquidation of the debt. (iv) Credits purchased from third parties are recorded at their estimated fair value at the acquisition date and are classified as PCI loans if the loans reflect credit deterioration since origination and it is probable at acquisition that the Company will be unable to collect all contractually required payments (see Note 1 - Nature of Operations and Summary of Significant Accounting Policies - Certain Acquired Loans). (v) A loan classified as doubtful has all the weaknesses of a substandard loan with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. A doubtful loan has a high probability of total or substantial loss, but because of specific pending events that may strengthen the asset, its classification as loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity or capital, and lack the resources necessary to remain an operating entity. Because of high probability of loss, non-accrual status is required on doubtful loans. (vi) Loans classified as loss are considered uncollectible and of such little value that their continuance as banking assets are not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. With loans classified as loss, the underlying borrowers are often in bankruptcy, have formally suspended debt repayments, or have otherwise ceased normal business operations. Once an asset is classified as loss, there is little prospect of collecting either its principal or interest. When access to collateral, rather than the value of the collateral, is a problem, a less severe classification may be appropriate. However, the Company does not maintain an asset on the balance sheet if realizing its value would require long-term litigation or other lengthy recovery efforts. Losses are to be recorded in the period an obligation becomes uncollectible. The following tables summarize the Company’s internal ratings of its loans: December 31, 2021 (Dollars in thousands) Pass Special Substandard Purchased Doubtful Total Real estate loans: Non-farm non-residential $ 370,062 $ 6,953 $ 6,926 $ — $ — $ 383,941 Non-farm non-residential 428,972 8,338 7,276 722 — 445,308 Residential 212,109 — 1,069 86 — 213,264 Construction, 315,979 — 244 4,112 — 320,335 Farmland 9,934 — — — — 9,934 Commercial & industrial 605,322 1,146 4,816 64 — 611,348 Consumer 3,979 22 — — — 4,001 Other 80,593 — — — — 80,593 $ 2,026,950 $ 16,459 $ 20,331 $ 4,984 $ — $ 2,068,724 December 31, 2020 (Dollars in thousands) Pass Special Substandard Purchased Doubtful Total Real estate loans: Non-farm non-residential $ 335,442 $ 12,189 $ 5,642 $ — $ — $ 353,273 Non-farm non-residential 255,468 12,706 5,730 3,900 — 277,804 Residential 139,743 — 861 18 — 140,622 Construction, 93,817 — 267 4,123 — 98,207 Farmland 4,653 — — — — 4,653 Commercial & industrial 629,093 6,144 9,847 270 574 645,928 Consumer 4,157 — — — — 4,157 Other 31,448 — — — — 31,448 $ 1,493,821 $ 31,039 $ 22,347 $ 8,311 $ 574 $ 1,556,092 Allowance for Loan Losses The majority of the loan portfolio is comprised of loans to businesses and individuals in the Greater Houston, Dallas-Fort Worth, and Austin-San Antonio markets. This geographic concentration subjects the loan portfolio to the general economic conditions within this area. The risks created by this concentration has been considered by management in the determination of the adequacy of the allowance for loan losses. Management believes the allowance for loan losses is adequate to cover estimated losses on loans at December 31, 2021, 2020 and 2019. The following tables detail the activity in the allowance for loan losses by portfolio segment: For the Year Ended December 31, 2021 (Dollars in thousands) Beginning Provision for Charge-offs Recoveries Ending Real estate loans: Non-farm non-residential $ 2,608 $ 848 $ — $ — $ 3,456 Non-farm non-residential 3,107 2,828 — — 5,935 Residential 1,218 ( 261 ) — — 957 Construction, development & other 932 1,132 — — 2,064 Farmland 32 13 — — 45 Commercial & industrial 3,858 5,233 ( 2,914 ) 323 6,500 Consumer 35 ( 30 ) — 1 6 Other 189 160 ( 20 ) 3 332 $ 11,979 $ 9,923 $ ( 2,934 ) $ 327 $ 19,295 For the Year Ended December 31, 2020 (Dollars in thousands) Beginning Provision for Charge-offs Recoveries Ending Real estate loans: Non-farm non-residential $ 2,158 $ 449 $ — $ — $ 2,608 Non-farm non-residential 1,627 3,816 ( 2,336 ) — 3,107 Residential 373 845 — — 1,218 Construction, development & other 330 602 — — 932 Farmland 29 3 — — 32 Commercial & industrial 3,504 1,710 ( 1,389 ) 33 3,858 Consumer 16 22 ( 7 ) 5 35 Other 86 103 — — 189 $ 8,123 $ 7,550 $ ( 3,732 ) $ 38 $ 11,979 For the Year Ended December 31, 2019 (Dollars in thousands) Beginning Provision for Charge-offs Recoveries Ending Real estate loans: Non-farm non-residential $ 1,559 $ 550 $ — $ 50 $ 2,158 Non-farm non-residential 1,669 ( 42 ) — — 1,627 Residential 219 154 — — 373 Construction, development & other 306 24 — — 330 Farmland 28 — — — 29 Commercial & industrial 3,063 918 ( 506 ) 29 3,504 Consumer 14 4 ( 2 ) — 16 Other 69 17 — — 86 $ 6,927 $ 1,625 $ ( 508 ) $ 79 $ 8,123 The following tables summarize the allocation of the allowance for loan losses, by portfolio segment, for loans evaluated for impairment individually and collectively: December 31, 2021 Period end amounts of ALLL (Dollars in thousands) Individually Collectively PCI Total Real estate loans: Non-farm non-residential owner occupied $ — $ 3,456 $ — $ 3,456 Non-farm non-residential non-owner occupied — 5,935 — 5,935 Residential — 957 — 957 Construction, development & other — 2,064 — 2,064 Farmland — 45 — 45 Commercial & industrial 290 6,193 17 6,500 Consumer — 6 — 6 Other — 332 — 332 $ 290 $ 18,988 $ 17 $ 19,295 December 31, 2020 Period end amounts of ALLL (Dollars in thousands) Individually Collectively PCI Total Real estate loans: Non-farm non-residential owner occupied $ — $ 2,608 $ — $ 2,608 Non-farm non-residential non-owner occupied — 3,107 — 3,107 Residential — 1,218 — 1,218 Construction, development & other — 932 — 932 Farmland — 32 — 32 Commercial & industrial 136 3,722 — 3,858 Consumer — 35 — 35 Other — 189 — 189 $ 136 $ 11,843 $ — $ 11,979 The company’s recorded investment in loans related to the balance in the allowance for loan losses on the basis of the Company’s impairment methodology is as follows: December 31, 2021 Loans evaluated for (Dollars in thousands) Individually Collectively PCI Total Real estate loans: Non-farm non-residential owner occupied $ 1,008 $ 382,933 $ — $ 383,941 Non-farm non-residential non-owner occupied 5,630 439,678 — 445,308 Residential 127 213,137 — 213,264 Construction, development & other 244 320,091 — 320,335 Farmland — 9,934 — 9,934 Commercial & industrial 8,363 602,920 65 611,348 Consumer — 4,001 — 4,001 Other — 80,593 — 80,593 $ 15,372 $ 2,053,287 $ 65 $ 2,068,724 December 31, 2020 Loans evaluated for (Dollars in thousands) Individually Collectively PCI Total Real estate loans: Non-farm non-residential owner occupied $ 1,944 $ 351,329 — $ 353,273 Non-farm non-residential non-owner occupied 384 273,519 3,901 277,804 Residential 83 140,521 18 140,622 Construction, development & other 267 93,817 4,123 98,207 Farmland — 4,653 — 4,653 Commercial & industrial 4,737 640,921 270 645,928 Consumer — 4,157 — 4,157 Other — 31,448 — 31,448 $ 7,415 $ 1,540,365 $ 8,312 $ 1,556,092 Certain Acquired Loans During 2013, the Company purchased certain loans from a third party with gross contractual balances of $ 8.2 million for a purchase price of $ 6.3 million, resulting in a discount of $ 1.9 million. Upon acquisition, the acquired loans were initially segregated and classified in one of two categories: 1) PCI loans and 2) acquired performing loans. At acquisition date, estimated fair values of PCI loans and acquired performing loans were $ 3.2 million and $ 3.1 million, respectively. The gross contractual amounts receivable for PCI loans and acquired performing loans were $ 4.5 million and $ 3.7 million, respectively, as of the acquisition date. As discussed in Note 19, the Company acquired loans with fair values of $ 259.6 million as part of the acquisition of Heritage Bancorp, Inc. and its subsidiary, Heritage Bank. Of the total $ 263.3 million of loans acquired, $ 250.7 million were determined to have no evidence of deteriorated credit quality and are accounted for under ASC Topics 310-10 and 310-20. The remaining $ 12.6 million were determined to exhibit deteriorated credit quality since origination under ASC 310-30. In connection with the acquisition of loans from Heritage Bancorp, Inc. and its subsidiary, Heritage Bank on January 1, 2020, the PCI loan portfolio was accounted for at fair value as follows: (Dollars in thousands) Contractual required payments $ 26,627 Non-accretable difference (expected loss) 15,027 Cash flows expected to be collected at acquisition 11,600 Accretable yield 1,850 Basis in acquired Heritage PCI loans $ 9,750 The following table presents the gross contractual amounts receivable balances, by portfolio segment, and the carrying amount of PCI loans: December 31, (Dollars in thousands) 2021 2020 Real estate loans: Non-farm non-residential owner occupied $ — $ — Non-farm non-residential non-owner occupied 820 5,426 Residential 181 200 Construction, development & other 5,169 5,105 Farmland — — Commercial & industrial 66 383 Consumer — — Other — — Total outstanding balances $ 6,236 $ 11,114 Carrying amount $ 4,984 $ 8,312 The accretable discount is accreted into income using the interest method over the life of the loans. At December 31, 2021 and 2020, unaccreted discounts on PCI loans totaled $ 926,000 and $ 2.4 million, respectively, and were included in net loans in the accompanying consolidated balance sheets. At December 31, 2021 and 2020, the allowance for loan losses related to the PCI loans disclosed above was $ 17,000 and $ 0 , respectively. Determining the fair value of PCI loans at acquisition required the Company to estimate cash flows expected to result from those loans and to discount those cash flows at appropriate rates of interest. For such loans, the excess of cash flows expected to be collected over the estimated fair value is recognized as interest income over the remaining lives of the loans and is called the accretable yield. The difference between contractually required payments and the cash flows expected to be collected reflects the impact of estimated loan losses and is called the nonaccretable difference. In accordance with GAAP, there was no carry-over of previously established allowance for loan losses from the acquired loans. Accretable yield, or income expected to be collected on PCI loans was as follows: December 31, (Dollars in thousands) 2021 2020 2019 Balance at beginning of year $ 2,261 $ 83 $ 83 New loans acquired from Heritage acquisition — 2,726 — Accretion of income ( 1,335 ) ( 808 ) — Reclassifications from non-accretable difference — 260 — Disposals — — — Balance at end of year $ 926 $ 2,261 $ 83

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Premises and Equipment	4. Premises and Equipment Premises and equipment in the accompanying consolidated balance sheets consisted of the following: Estimated December 31, (Dollars in thousands) Useful Life 2021 2020 Building 30 years $ 8,404 $ 7,712 Building improvements 3 - 10 years 3,752 3,288 Land 3,894 2,427 Equipment 3 - 5 years 4,308 3,458 Leasehold improvements 3 - 10 years 2,888 2,222 Furniture and fixtures 3 - 5 years 2,541 1,916 Construction in process 1,174 318 26,961 21,341 Accumulated depreciation ( 7,916 ) ( 6,185 ) $ 19,045 $ 15,156 Depreciation expense for the years ended December 31, 2021, 2020 and 2019 amounted to $ 1.7 million, $ 1.5 million and $ 869,000 , respectively. Depreciation expense is included in occupancy and equipment expense in the accompanying consolidated statements of income.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits Liabilities, Balance Sheet, Reported Amounts [Abstract]
Deposit	5. Deposits Deposits in the accompanying consolidated balance sheets consisted of the following: December 31, (Dollars in thousands) 2021 2020 Transaction accounts: Noninterest bearing demand accounts $ 531,401 $ 327,361 Interest bearing demand accounts 1,298,546 909,992 Savings 33,539 22,261 Total transaction accounts 1,863,486 1,259,614 Time deposits 277,713 374,217 Total deposits $ 2,141,199 $ 1,633,831 The aggregate amount of time deposits in denominations of $250,000 or more totaled $ 113.2 million and $ 150.8 million as of December 31, 2021 and 2020, respectively. Scheduled maturities of time deposits at December 31, 2021 are as follows: 2022 $ 264,273 2023 8,111 2024 2,644 2025 1,023 2026 and thereafter 1,662 $ 277,713 At December 31, 2021 and 2020, the aggregate amount of demand deposit overdrafts that were reclassified as loans was approximately $ 40,000 and $ 138,000 , respectively. Deposits received from related parties at December 31, 2021 and 2020, totaled approximately $ 19.0 million and $ 13.7 million, respectively.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income Taxes	6. Income Taxes The provision for income taxes consisted of the following: December 31, (Dollars in thousands) 2021 2020 Current income tax expense $ 3,439 $ 6,311 Deferred income tax benefit ( 380 ) ( 2,816 ) Income tax expense as reported $ 3,059 $ 3,495 A reconciliation of reported income tax expense to the amount computed by the Company's statutory income tax rate of 21 % to income before income taxes is presented below: December 31, (Dollars in thousands) 2021 2020 Income tax expense computed at statutory rate $ 3,042 $ 3,278 Stock-based compensation 93 33 Bank-owned life insurance ( 119 ) ( 74 ) Non-deductible meals, entertainment, and dues 57 47 Tax-exempt income ( 2 ) ( 2 ) Non-deductible capital offering expenses — 215 Non-deductible merger costs 2 35 Other, net ( 14 ) ( 37 ) Income tax expense as reported $ 3,059 $ 3,495 A summary of deferred taxes is presented below: December 31, (Dollars in thousands) 2021 2020 Deferred tax assets: Allowance for loan losses $ 4,046 $ 2,499 Organizational and start-up costs 18 30 Accrued expenses 1,189 626 Stock options 131 87 Loan purchase mark-to-mark 216 522 Deposit purchase premium 38 113 Deferred loan origination fees 433 1,343 Other 152 120 Total deferred tax assets 6,223 5,340 Deferred tax liabilities: Premises and equipment 1,161 702 Goodwill and core deposit intangibles 271 305 Investments 66 58 Net unrealized gain on securities available for sale 210 29 Unrealized gain on derivatives 161 45 Prepaid expenses and other 231 162 Total deferred tax liabilities 2,100 1,301 Net deferred tax asset $ 4,123 $ 4,039 GAAP prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the consolidated financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of cumulative benefit that is greater than fifty percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. GAAP also provides guidance on the accounting for and disclosure of unrecognized tax benefits, interest and penalties.

FHLB Advances and Other Borrowi

FHLB Advances and Other Borrowings	12 Months Ended
	Dec. 31, 2021
Federal Home Loan Banks [Abstract]
FHLB Advances and Other Borrowings	7. FHLB Advances and Other Borrowings Senior Debt On December 24, 2019, the Company modified the terms of a $ 5,000,000 promissory note maturing on August 30, 2020 , whereby the revolving line of credit facility was increased to $ 10,000,000 , and the interest rate was reduced from a floating rate of Wall Street Journal US Prime Rate, plus 0.50% , to a fixed rate of 4.75 %. Upon maturity, the note was renewed and extended to August 31, 2021 , in the amount of $ 10,000,000 . The note bore interest at a fixed rate of 4.25 %. Interest was payable quarterly on the 30 th day of February, May, August and November . All principal and unpaid interest was due upon maturity. The note was secured by 100 % of the outstanding stock of the Bank and was senior in rights to the $ 13,000,000 in subordinated debt described below. As of December 31, 2020, the outstanding principal balance was $ 10,000,000 . On March 10, 2021, the note was combined with the outstanding balance of the $ 15,000,000 note described below and consolidated into a new revolving line of credit facility totaling $ 30,875,000 (see March 10, 2021 note below). On December 24, 2019, the Company modified the terms of a $ 15,000,000 promissory note maturing on March 10, 2021 , whereby the fixed interest rate of 6.00 % was reduced to 4.75 %. Quarterly principal payments of $ 375,000 plus interest were due and payable on the 10 th day of March, June, September, and December through maturity date. The note was secured by 100 % of the outstanding stock of the Bank and was senior in rights to the $ 13,000,000 in subordinated debt described below. As of December 31, 2020, the outstanding principal balance was $ 10,875,000 . On March 10, 2021, the remaining balance of the note was combined with the remaining balance of the revolving note described above and consolidated into a new revolving line of credit facility totaling $ 30,875,000 (see March 10, 2021 note below). On March 10, 2021, the remaining balance of the two aforementioned notes totaling $ 20,875,000 was consolidated into a new revolving line of credit loan with new funds of $ 10,000,000 for a total facility of $ 30,875,000 . The note bears interest at the Wall Street Journal US Prime Rate, as such changes from time to time, with a floor rate of 4.00 % per annum. Interest is payable quarterly on the 10 th day of March, June, September and December through maturity date of September 10, 2022 . All principal and unpaid interest is due at maturity. The note is secured by 100 % of the outstanding stock of the Bank and was senior in rights to the $ 13,000,000 in subordinated debt described below until the subordinated debt was paid in full during August 2021. As of December 31, 2021, the outstanding balance was $ 1,000,000 . Subordinated Debt On September 27, 2018, the Company entered into a $ 3,000,000 and $ 2,000,000 subordinated promissory note agreement with two shareholders of the Company. Quarterly interest payments were due on the 27 th day of March, June, September, and December . The notes bore interest at a fixed rate of 5.00 % and 6.00 %, respectively. The $ 3,000,000 note was retired on July 29, 2019 and replaced with a $ 4,000,000 note (see note below). The $ 2,000,000 note scheduled to mature on September 27, 2020 was renewed and extended to September 27, 2022 at a fixed rate of 6.00 %. All principal and unpaid interest was due at maturity. The notes were subordinate and junior in rights to the senior indebtedness described above. All principal and unpaid interest was paid in full during August 2021. On July 29, 2019, the aforementioned $ 3,000,000 promissory note scheduled to mature on September 27, 2019 was retired and replaced with a new subordinated promissory note to the same shareholder in the amount of $ 4,000,000 . The note bore interest at a fixed rate of 5.00 % through maturity date of July 29, 2020 . Upon maturity, the note was renewed and increased to $ 11,000,000 with a fixed rate of 6.00 %. All principal and unpaid interest, due at maturity on July 29, 2022 , was paid in full during August 2021. On July 29, 2019, the Company entered into a $ 2,000,000 subordinated promissory note agreement with a shareholder of the Company. Quarterly interest payments were due on the 29 th day of January, April, July, and October . The note bore interest at a fixed rate of 5.00 % and matured on July 29, 2020 . All principal and unpaid interest was paid at maturity. FHLB Borrowings At December 31, 2021, FHLB advances represented $ 12.0 million in FHLB Owns the Option (“FOTO”) borrowings with a floating rate of 1.100 % maturing on June 19, 2029 ; $ 18.0 million in FOTO borrowings with a floating rate of 1.020 % maturing on August 2, 2029 ; and $ 20.0 million in FOTO borrowings with a floating rate of 0.570 % maturing on February 26, 2035 . The FOTO borrowings have quarterly call options that begin on September 19, 2019, November 4, 2019, and February 25, 2022, respectively. The call feature allows the FHLB to terminate the entire outstanding balance at each option date and, in the event the option is exercised, replacement funding will be made available at then prevailing interest rates. FHLB advances are collateralized by FHLB stock and real estate loans. The amount of loans that collateralize borrowings at December 31, 2021 and 2020 was approximately $ 601.0 million and $ 474.8 million, respectively. At December 31, 2021, letters of credit with FHLB for $ 100.5 million were outstanding with expirations ranging from January 2022 through March 2023 . Contractual maturities of FHLB advances and other borrowings at December 31, 2021 were as follows: (Dollars in thousands) FHLB Other 2022 $ — $ 1,000 2023 — — 2024 — — 2025 — — 2026 and thereafter 50,000 — $ 50,000 $ 1,000 At December 31, 2021 and 2020, the Company had federal funds lines of credit with commercial banks that provide for availability to borrow up to an aggregate of $ 50.5 million and $ 20.5 million in federal funds, respectively. The Company had no advances outstanding under these lines at December 31, 2021 and 2020.

Stock Options and Warrants

Stock Options and Warrants	12 Months Ended
	Dec. 31, 2021
Stock Options And Warrants [Abstract]
Stock Options and Warrants	8. Stock Options and Warrants 2013 Stock Option Plan In 2008 upon shareholder approval, the Bank adopted the 2008 Stock Option Plan. In 2013 upon formation of Third Coast Bancshares, Inc., the Company adopted the 2013 Stock Option Plan (the “2013 Plan”). All outstanding options from the 2008 Stock Option Plan were grandfathered into the 2013 Plan. The 2013 Plan permits the grant of stock options for up to 500,000 shares of common stock from time to time during the term of the plan, subject to adjustment upon changes in capitalization. Under the 2013 Plan, the Bank may grant either incentive stock options or nonqualified stock options to eligible directors, executive officers, key employees and non-employee shareholders of the Bank. At December 31, 2021, there were no shares remaining available for grant for future awards as all outstanding options under the 2013 Plan were grandfathered into the 2019 Omnibus Incentive Plan (see 2019 Omnibus Incentive Plan). Awards outstanding under the 2013 Plan remain in full force and effect, according to their respective terms. 2019 Omnibus Incentive Plan On May 29, 2019, the Company’s shareholders approved the Third Coast Bancshares, Inc. 2019 Omnibus Incentive Plan (the “2019 Plan”), which was previously approved by the Company’s board of directors. Under the 2019 Plan, the Company may issue stock options, stock appreciation rights, restricted stock, restricted stock units, stock bonuses, other stock-based awards, cash awards, and dividend equivalents. On May 20, 2021, the Company’s shareholders approved an amendment to the plan such that the maximum number of shares reserved for issuance under the Plan was increased by an additional 500,000 shares. The maximum aggregate number of shares of common stock that may be issued under the 2019 Plan is equal to the sum of (i) 800,000 shares of common stock, (ii) the total number of shares remaining available for new awards under the 2013 Plan as of May 29, 2019, which was 152,750 shares of common stock, and (iii) any shares subject to outstanding stock options issued under the 2013 Plan to the extent that (A) any such award is forfeited or otherwise terminates or is cancelled without the delivery of shares of common stock, or (B) shares of common stock are withheld from any such award to satisfy any tax or withholding obligation, in which case the shares of common stock covered by such forfeited, terminated or cancelled award or which are equal to the number of shares of common stock withheld, will become available for issuance under the 2019 Plan. At December 31, 2021, there were 201,023 shares remaining available for grant for future awards under the 2019 Plan. 2017 Non-Employee Director Stock Option Plan In December 2017, the Bank adopted the 2017 Non-Employee Director Stock Option Plan (the “Director Plan”). The Director Plan originally authorized the grant of stock options for up to 100,000 shares of common stock to non-employee directors of the Company pursuant to the terms of the Director Plan. During July 2018, the Company's board of directors approved the grant of stock options for 50,000 additional shares of common stock under the Director Plan, such that the Director Plan permitted the grant of stock options for up to 150,000 shares of common stock. On January 1, 2021, the Director Plan was amended and subsequently approved by the Company’s board of directors such that the aggregate number of shares of common stock to be issued pursuant to options shall not exceed 187,000 shares. Options are generally granted with an exercise price equal to the market price of the Company’s stock at the date of the grant. Option awards generally vest based on 5 years of continuous service and have 10-year contractual terms for non-controlling participants as defined by the Director Plan. Other grant terms can vary for controlling participants as defined by the Director Plan. At December 31, 2021, there were 8,000 shares remaining available for grant for future awards under the Director Plan. 2020 Heritage Stock Option Plan On January 1, 2020, the Company acquired a stock option plan which originated under Heritage Bancorp, Inc. as part of a merger of the two companies. The options granted to employees must be exercised within 10 years from the date of grant and vesting schedules are determined on an individual basis. At merger date, 109,908 outstanding options became fully vested and were converted to options to purchase 97,821 shares of the Company’s common stock at an exchange ratio of 0.89 , which was equal to the acquisition exchange rate for common shares. At December 31, 2021, there were no shares remaining available f or grant for future awards. Stock Options During the year ended December 31, 2021, the Company granted stock options to certain directors, executive officers and other key employees of the Company. The options vest ratably over 5 years and have a 10 year contractual term. Options granted during the year ended December 31, 2021 were granted with an exercise price ranging from $ 16.30 to $ 24.00 prior to the Company's initial public offering ("IPO") of stock, and $ 26.68 following the IPO. Options granted during the year ended December 31, 2020 were granted with an exercise price of $ 16.43 or $ 16.78 . The fair value of each option award is estimated on the grant date using the Black-Scholes option-pricing model with the following assumptions used for the options granted during the year ended December 31, 2021: risk-free interest rate ranging from 0.70 % to 1.48 %; dividend yield of 0.00 %; estimated volatility of 10.00 %; and expected lives of options of 7.5 years. The following assumptions were used for options granted during the year ended December 31, 2020: risk-free interest rate ranging from 0.47 % to 1.85 %; dividend yield of 0.00 %; estimated volatility of 10.00 %; and expected lives of options of 7.5 years. The following assumptions were used for options granted during the year ended December 31, 2019: risk-free interest rate ranging from 1.46 % to 2.64 %; dividend yield of 0.00 %; estimated volatility of 10.00 %; and expected lives of options of 7.5 years. Expected volatilities are based on historical volatilities of the Company’s common stock and similar peer group averages. For the years ended December 31, 2021, 2020 and 2019, the Company recognized stock-based compensation expense of approximately $ 552,000 , $ 275,000 and $ 231,000 , respectively, associated with stock options. As of December 31, 2021, there was approximately $ 2.2 million of unrecognized compensation costs related to non-vested stock options that are expected to be recognized over the remaining vesting periods. Forfeitures are recognized as they occur. A summary of stock option activity for years ended December 31, 2021 and 2020 is presented below: December 31, 2021 2020 (Dollars in thousands, except share and per share data) Shares Weighted Shares Weighted Outstanding at beginning of period 660,251 $ 14.37 499,700 $ 13.84 Granted during the period 788,250 20.22 114,600 16.64 Acquired and converted options from acquisition — — 97,821 13.68 Forfeited during the period ( 144,903 ) 17.55 ( 20,000 ) 14.24 Exercised during the period ( 83,170 ) 13.48 ( 31,870 ) 12.07 Outstanding at the end of period 1,220,428 $ 17.83 660,251 $ 14.37 Options exercisable at end of period 361,758 $ 13.59 397,581 $ 13.14 Weighted-average grant date fair value of options granted $ 3.15 $ 2.65 A summary of weighted average remaining life is presented below: December 31, (Dollars in thousands, except 2021 2020 Exercise Price Options Outstanding Weighted Options Exercisable Options Outstanding Weighted Options $ 10.00 - $ 12.99 162,223 5.15 162,223 260,523 4.14 242,823 $ 13.00 - $ 16.99 496,955 7.48 199,535 399,728 8.05 154,758 $ 17.00 - $ 26.99 561,250 9.52 — — — — 1,220,428 8.11 361,758 660,251 6.51 397,581 Shares issued in connection with stock compensation awards are issued from available authorized shares. The total intrinsic value of outstanding in-the-money stock options and outstanding in-the-money exercisable stock options was $ 5.8 million and $ 3.0 million, respectively, at December 31, 2021. The total intrinsic value of outstanding in-the-money stock options and outstanding in-the-money exercisable stock options was $ 1.3 million and $ 1.2 million, respectively, at December 31, 2020. The intrinsic value of stock options exercised during the years ended December 31, 2021, 2020 and 2019 was approximately $ 506,000 , $ 139,000 an d $ 164,000 , re spectively. A summary of the activity in the Company’s nonvested shares is as follows: December 31, 2021 2020 (Dollars in thousands, except share and per share data) Shares Weighted Shares Weighted Nonvested at January 1, 262,670 $ 3.04 221,250 $ 2.87 Granted during the period 788,250 3.15 114,600 2.65 Acquired and converted options from acquisition — — 97,821 4.62 Vested during the period ( 72,500 ) 3.17 ( 151,001 ) 3.58 Forfeited during the period ( 119,750 ) 2.88 ( 20,000 ) 2.51 Nonvested at end of period 858,670 $ 3.15 262,670 $ 3.04 For the year ended December 31, 2019, the weighted-average grant date fair value of options granted and vested during the period was $ 3.26 and $ 3.84 , respectively. Warrants As consideration for the financial risks undertaken by certain organizers of the Company, the Company has outstanding stock warrants that are initially exercisable to purchase one share of common stock for each warrant held. A summary of the Company’s stock warrant activity is presented below: December 31, 2021 2020 (Dollars in thousands, except share and per share data) Shares Weighted Shares Weighted Outstanding at beginning of period 6,000 $ 11.00 6,000 $ 11.00 Granted — — — — Exercised ( 1,715 ) 11.00 — — Expired or forfeited — — — — Outstanding at end of period 4,285 $ 11.00 6,000 $ 11.00 Exercisable at end of period 4,285 $ 11.00 6,000 $ 11.00 The weighted average remaining contractual life of stock warrants outstanding at December 31, 2021 was 1.5 years. The warrants are exercisable over a ten-year period that expires on July 1, 2023 . Restricted Stock Awards During the year ended December 31, 2021, the Company granted restricted stock awards ("RSAs") to certain directors and executive officers of the Company following an initial public offering ("IPO") of the Company. Restricted stock is common stock with certain restrictions that relate to trading and the possibility of forfeiture. Holders of restricted stock have full voting rights. Generally, the awards vest ratably over a two to four year period, but vesting periods may vary. The RSAs have a 10 year contractual term. A summary of the activity for nonvested RSAs for the years ended December 31, 2021, 2020 and 2019 is presented below: December 31, 2021 2020 2019 (Dollars in thousands, except share and per share data) Shares Weighted Shares Weighted Shares Weighted Nonvested at beginning of period — $ — — $ — — $ — Granted during the period 49,750 24.00 — — — — Vested during the period — — Forfeited during the period — — — — — — Nonvested at the end of period 49,750 $ 24.00 — $ — — $ — Compensation expense for restricted stock awards is determined based on the number of restricted shares granted and the market price of our common stock at issue date. The fair value of shares vested during each of the years ended December 31, 2021, 2020 and 2019 was zero . The Company recognized stock-based compensation expense associated with RSAs of approximately $ 106,000 during the year ended December 31, 2021. As of December 31, 2021, there wa s $ 1.1 million of tot al unrecognized compensation cost related to nonvested restricted stock awards. The cost is expected to be recognized over a remaining weighted average period of 2.56 years.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	9. Commitments and Contingencies Operating Leases The Company has non-cancelable operating leases for branches, loan production offices, and non-branch offices. Rent expense for the years ended December 31, 2021, 2020 and 2019 was approximately $ 1.6 million, $ 1.2 million and $ 1.0 million, respectively. The operating leases have various commencement dates and original terms varying from six months to one hundred sixty months . As of December 31, 2021, future minimum rental payments under non-cancellable operating leases with initial or remaining terms in excess of one year for each year through 2027 and thereafter are as follows: (Dollars in thousands) 2022 $ 1,534 2023 2,227 2024 2,073 2025 2,001 2026 1,989 2027 and thereafter 8,603 $ 18,427 Litigation In the normal course of business, the Company is involved in various legal proceedings. In the opinion of management, any liability resulting from such proceedings would not have a material adverse effect on the consolidated financial statements.

Financial Instruments With Off

Financial Instruments With Off Balance Sheet Risk	12 Months Ended
	Dec. 31, 2021
Financial Instruments With Off Balance Sheet Risk [Abstract]
Financial Instruments With Off Balance Sheet Risk	10. Financial Instruments With Off-Balance Sheet Risk 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 customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheet. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for unfunded lines of credit, commitments to extend credit and standby letters of credit is represented by the contractual notional amount of these instruments. The Company generally uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The following financial instruments were outstanding whose contract amounts represent credit risk: December 31, (Dollars in thousands) 2021 2020 Commitments to extend credit $ 606,160 $ 162,445 Standby letters of credit 14,144 1,693 Total $ 620,304 $ 164,138 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Management evaluates each customer’s credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary upon extension of credit, is based on management’s credit evaluation of the borrower. Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Standby letters of credit generally have fixed expiration dates or other termination clauses and may require payment of a fee. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank's policy for obtaining collateral and the nature of such collateral is essentially the same as that involved in making commitments to extend credit. Although the maximum exposure to loss is the amount of such commitments, management currently anticipates no material losses from such activities.

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Fair Value Measurements	11. Fair Value Measurements GAAP defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability shall not be adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact. GAAP requires the use of valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets and liabilities. The income approach uses valuation techniques to convert future amounts, such as cash flows or earnings, to a single present amount on a discounted basis. The cost approach is based on the amount that currently would be required to replace the service capacity of an asset (replacement costs). Valuation techniques should be consistently applied. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. Inputs may be observable, meaning those that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources, or unobservable, meaning those that reflect the reporting entity’s own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances. In that regard, the authoritative guidance establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows: • Level 1 Inputs – Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. • Level 2 Inputs – Inputs other than quoted prices included in level 1 that are observable for the asset and liability, either directly or indirectly. These include 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, inputs other than quoted prices that are observable for the asset or liability (for example, interest rates, volatilities, prepayment speeds, loss severities, credit risks and default rates) or inputs that are derived principally from or corroborated by observable market data by correlation or other means. • Level 3 Inputs – Significant unobservable inputs that reflect an entity’s own assumptions that market participants would use in pricing the assets or liabilities. A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below. In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Financial assets and financial liabilities measured at fair value on a recurring and nonrecurring basis include the following: Investment Securities Available-for-sale . Investment securities classified as available-for-sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayments speeds, credit information, and the bond’s terms and conditions, among other things. Level 2 investments consist primarily of obligations of U.S. government sponsored enterprises and agencies, obligations of state and municipal subdivisions, corporate bonds and mortgage backed securities. Loans Held for Sale . Loans held for sale are reported at aggregate cost which has been deemed to be the equivalent of fair value using Level 3 inputs. Impaired Loans . Impaired loans are reported at the estimated fair value of the underlying collateral. Collateral values are estimated using Level 2 inputs based on observable market data or independent appraisals using Level 3 inputs. Derivative Instruments . The estimated fair value of interest rate derivative positions are obtained from a pricing service that provides the swaps’ unwind value using Level 2 inputs. There were no transfers between levels during the year ended December 31, 2021 or 2020. The following table summarizes financial assets and financial liabilities measured at fair value on a recurring basis, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value as of December 31, 2021 and 2020: Fair Value Measurements Using (Dollars in thousands) Level 1 Level 2 Level 3 Total At December 31, 2021: Securities available for sale: State and municipal securities $ — $ 1,094 $ — $ 1,094 Mortgage-backed securities — 811 — 811 Corporate bonds — 24,527 — 24,527 Total investment securities available for sale $ — $ 26,432 $ — $ 26,432 Asset derivatives: Interest rate swaps $ — $ 389 $ — $ 389 Liability derivatives: Interest rate swaps $ — $ 389 $ — $ 389 Fair Value Measurements Using (Dollars in thousands) Level 1 Level 2 Level 3 Total At December 31, 2020: Securities available for sale: State and municipal securities $ — $ 1,894 $ — $ 1,894 Mortgage-backed securities — 1,027 — 1,027 Corporate bonds — 22,674 — 22,674 Total investment securities available for sale $ — $ 25,595 $ — $ 25,595 Loans held for sale: $ — $ — $ 2,844 $ 2,844 Asset derivatives: Interest rate swaps $ — $ 271 $ — $ 271 Pay-fixed interest rate swaps — 216 — 216 $ — $ 487 $ — $ 487 Liability derivatives: Interest rate swaps $ — $ 271 $ — $ 271 Pay-fixed interest rate swaps — 8 — 8 $ — $ 279 $ — $ 279 Certain financial assets and financial liabilities are measured at fair value on a nonrecurring basis, that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). Financial assets and financial liabilities measured at fair value on a non-recurring basis include the following at December 31, 2021 and 2020: Impaired loans. At December 31, 2021, impaired loans with carrying values of $ 15.4 million were reduced by specific valuation allowances totaling $ 307,000 resulting in a net fair value of $ 15.1 million based on Level 3 inputs. At December 31, 2020, impaired loans with carrying values of $ 7.4 million were reduced by specific valuation allowances totaling $ 136,000 resulting in a net fair value of $ 7.3 million, based on Level 3 inputs. Non-financial assets measured at fair value on a non-recurring basis during the years ended December 31, 2021 and 2020, include certain foreclosed assets which, upon initial recognition, were remeasured and reported at fair value through a charge-off to the allowance for loan losses and certain foreclosed assets which, subsequent to their initial recognition, were remeasured at fair value through a write-down included in current earnings. The fair value of a foreclosed asset is estimated using Level 2 inputs based on observable market data or Level 3 inputs based on customized discounting criteria. The following table presents foreclosed assets that were remeasured and recorded at fair value: December 31, (Dollars in thousands) 2021 2020 Foreclosed assets remeasured at initial recognition: Carrying value of foreclosed assets prior to remeasurement $ — $ 3,716 Charge-offs recognized in the allowance for loan losses — 2,336 Fair value of foreclosed assets remeasured at initial recognition $ — $ 1,380 Foreclosed assets remeasured subsequent to initial recognition: Carrying value of foreclosed assets prior to remeasurement $ 1,676 $ 1,997 Write downs included in other non-interest expense — 10 Fair value of foreclosed assets remeasured subsequent to initial recognition $ 1,676 $ 1,987 For the Company, as for most financial institutions, substantially all its assets and liabilities are considered financial instruments as defined. Many of the Company’s financial instruments, however, lack an available trading market as characterized by a willing buyer and willing seller engaging in an exchange transaction. The estimated fair value amounts of financial instruments have been determined by the Company using available market information and appropriate valuation methodologies. However, considerable judgment is required to interpret data to develop the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts. In addition, reasonable comparability between financial institutions may not be likely due to the wide range of permitted valuation techniques and numerous estimates that must be made given the absence of active secondary markets for many of the financial instruments. This lack of uniform valuation methodologies also introduces a greater degree of subjectivity to these estimated fair values. Financial instruments with stated maturities have been valued using a present value discounted cash flow with a discount rate approximating current market rates for similar assets and liabilities. Financial instrument assets with variable rates and financial instrument liabilities with no stated maturities have an estimated fair value equal to both the amount payable on demand and the carrying value. The carrying value and the estimated fair value of the Company’s contractual off-balance sheet unfunded lines of credit, loan commitments and letters of credit, which are generally priced at market at the time of funding, are not material. The estimated fair values and carrying values of all financial instruments under current authoritative guidance, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value are as follows: December 31, 2021 December 31, 2020 (Dollars in thousands) Carrying Estimated Carrying Estimated Financial assets Level 2 inputs Cash and cash equivalents $ 327,025 $ 327,025 $ 203,560 $ 203,560 Interest bearing time deposits in other banks 131 131 129 129 Investment securities available for sale 26,432 26,432 25,595 25,595 Non-marketable securities 7,527 7,527 4,407 4,407 Accrued interest receivable 10,228 10,228 13,676 13,676 Bank-owned life insurance 26,528 26,528 25,961 25,961 Derivative instruments assets 389 389 487 487 $ 398,260 $ 398,260 $ 273,815 $ 273,815 Level 3 inputs Loans, including held for sale, net $ 2,049,429 $ 2,023,761 $ 1,546,458 $ 1,551,624 Financial liabilities Level 2 inputs Deposits $ 2,141,199 $ 2,141,999 $ 1,633,831 $ 1,636,967 Accrued interest payable 437 437 1,215 1,215 FHLB advances 50,000 50,000 70,000 70,000 Notes payable 1,000 1,000 33,875 33,875 Derivative instrument liabilities 389 389 280 280 $ 2,193,025 $ 2,193,825 $ 1,739,201 $ 1,742,337

Significant Group Concentration

Significant Group Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2021
Risks and Uncertainties [Abstract]
Significant Group Concentrations of Credit Risk	12. Significant Group Concentrations of Credit Risk All of the Company’s business activity is with customers primarily located within Texas. Such customers are normally also depositors of the Company. The distribution of commitments to extend credit approximates the distribution of loans outstanding. The contractual amounts of credit related financial instruments such as commitments to extend credit and credit card arrangements represent the amounts of potential accounting loss should the contract be fully drawn upon, the customer default, and the value of any existing collateral become worthless. At December 31, 2021 and 2020, the Company had federal funds sold aggregating approximately $ 292,000 and $ 2.3 million, respectively, which represents concentrations of credit risk. The Company had uninsured deposits o f $ 189.7 millio n and $ 172.9 million as of December 31, 2021 and 2020, respectively.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2021
Postemployment Benefits [Abstract]
Employee Benefit Plans	13. Employee Benefit Plans Defined Contribution Plan In 2009, the Company adopted the Third Coast Bank, SSB 401(k) Plan (the “Plan”) covering substantially all employees. Employees may elect to defer a percentage of their compensation subject to certain limits based on federal tax laws. The Company may make a discretionary match of employees’ contributions based on a percentage of salary contributed by participants. Effective January 1, 2018, the discretionary contributions made by the Company were invested in the common stock of the Company in accordance with the Third Coast Bank, SSB Employee Stock Ownership Plan (ESOP). The ESOP became effective on January 1, 2018 for the exclusive benefit of the participants and their beneficiaries. Benefits under the ESOP generally are distributed in the form of cash. In addition, until the Company’s common stock was actively traded on an established securities market, the participant could demand (in accordance with the terms of the ESOP and applicable laws) that the Company repurchase shares of common stock distributed to the participant at the estimated fair value. This put option terminated upon the consummation of the Company's initial public offering ("IPO") and listing of its common stock on the NASDAQ Global Select Market in November 2021. Prior to the IPO, the fair value of shares of common stock held by the ESOP was deducted from permanent shareholders’ equity in the consolidated balance sheets, and was reflected in a line item below liabilities and above shareholders’ equity. This presentation was necessary in order to recognize the put option within the ESOP, consistent with SEC guidelines, because the Company was not publicly traded. The Company used an external third party to determine the maximum possible cash obligation related to those securities. The valuation was the same that was used for the stock option plan. Increases or decreases in the value of the cash obligation were included in a separate line item in the statements of changes in shareholders’ equity. An increase of approximately $ 317,000 in the fair value of the cash obligation was recorded for the year ended December 31, 2021. At December 31, 2021, the $ 2.3 million estimated fair value of the cash obligation for stock allocated under the ESOP plan was eliminated upon completion of the IPO. As of December 31, 2021, the number of shares held by the ESO P was 113,306 and there were no shares unallocated to plan participants. At December 31, 2021, shares committed to be released to the plan we re 10,826 s hares for a fair value o f $ 284,000 . During the year ended December 31, 2021, the Company repurchase d 8,211 shares for $ 167,000 fro m ESOP participants that received distributions and exercised the put option described above. All shares held by the ESOP were treated as outstanding at December 31, 2021. For the years ended December 31, 2021, 2020 and 2019, Company contributions to the ESOP were approximately $ 936,000 , $ 645,000 and $ 474,000 , respectiv ely. Administrative expenses related to the ESOP and the Plan for the same twelve month periods totaled approximatel y $ 41,000 , $ 16,000 and $ 24,000 , r espectively. The costs are included in Salaries and Employee Benefits in the accompanying consolidated statements of income.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2021
Related Party Transactions [Abstract]
Related Party Transactions	14. Related Party Transactions During the normal course of business, the Company may enter into transactions with significant stockholders, directors and principal officers and their affiliates (collectively referred to herein as "related parties"). It is the Company’s policy that all such transactions are on substantially the same terms as those prevailing at the time for comparable transactions with third parties. At December 31, 2021 and 2020, the aggregate amount of loans to related parties was approximately $ 569,000 and $ 382,000 , respectively. During the year ended December 31, 2021, loan originations to related parties totaled $ 555,000 and repayments from related party loans totaled $ 368,000 . Related party unfunded commitments at December 31, 2021 and 2020, were $ 0 and $ 233,000 , respectively.

Shareholders_ Equity and Regula

Shareholders’ Equity and Regulatory Matters	12 Months Ended
	Dec. 31, 2021
Stockholders' Equity Note [Abstract]
Shareholders’ Equity and Regulatory Matters	15. Shareholders’ Equity and Regulatory Matters Private Placement Memorandum On August 27, 2021, the Company completed the issuance and sale of 2,937,876 shares of its common stock for aggregate proceeds of approximately $ 70.5 million, consisting of 227,307 shares issued and sold during the six months ended June 30, 2021 for aggregate proceeds of approximately $ 5.4 million and 2,710,569 shares issued and sold between July 1, 2021 and August 27, 2021 for aggregate proceeds of approximately $ 65.1 million, in a private placement in reliance upon the exemption from the registration requirements of the Securities Act under Section 4(a)(2) of the Securities Act and Rule 506(b) of Regulation D promulgated thereunder. The Company used a portion of the net proceeds from the private placement to repay $ 32.5 million of outstanding indebtedness, consisting of (i) $ 19.5 million under the Company's senior debt due September 10, 2022 ; (ii) $ 11.0 million under a subordinated debt due July 29, 2022 ; and (iii) $ 2.0 million under a subordinated debt due September 27, 2022 . Initial Public Offering On November 9, 2021, the Company's common stock began trading on the NASDAQ Global Select Market under the symbol “TCBX”. We issued and sold an aggregate of 4,025,000 shares of its common stock, including 525,000 shares of common stock sold pursuant to the underwriters’ full exercise of their option to purchase additional shares, in its initial public offering at a public offering price of $ 25.00 per share for aggregate g ross proceeds of $ 100.6 million before deducting underwriting discounts and offering expenses. Aggregate net proceeds from our initial public offering were $ 92.0 million after deducting underwriting discounts and offering expenses of $ 8.6 million. The initial closing of the initial public offering occurred on November 12, 2021, and the closing for the shares issued pursuant to the underwriters’ option occurred on November 17, 2021. In connection with the closing of the initial public offering, the Company issued an aggregate of 49,750 shares of restrictive stock to its directors, advisory directors, and executive officers. The Company intends to use the net proceeds from the initial public offering to support its organic growth and for general corporate purposes, including maintenance of its required regulatory capital and potential future acquisition opportunities. Regulatory Matters The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory (and possibly additional discretionary) actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the table below) of total, Tier I capital, and Common Equity Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). Management believes, as of December 31, 2021 and 2020 the Bank meets all capital adequacy requirements to which it is subject. Financial institutions are categorized as well capitalized or adequately capitalized, based on minimum total risk-based, Tier I risk-based and Tier I leverage ratios as set forth in the tables below. As shown below, the Bank’s capital ratios exceed the regulatory definition of well capitalized as of December 31, 2021 and 2020. Based upon the information in its most recently filed call report, the Bank continues to meet the capital ratios necessary to be well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since December 31, 2021, that management believes have changed the Bank’s category. A comparison of the Bank’s actual capital amounts and ratios to required capital amounts and ratios are presented in the following table: Actual For Capital Adequacy To Be Well Capitalized (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2021: Total capital (to risk $ 288,022 13.5 % ≥ $ 223,444 ≥ 10.5 % ≥ $ 212,804 ≥ 10.0 % Tier I capital (to risk $ 268,727 12.6 % ≥ $ 180,883 ≥ 8.5 % ≥ $ 170,243 ≥ 8.0 % Tier I capital (to average $ 268,727 12.3 % ≥ $ 87,602 ≥ 4.0 % ≥ $ 109,503 ≥ 5.0 % Common equity tier 1 (to $ 268,727 12.6 % ≥ $ 148,962 ≥ 7.0 % ≥ $ 138,322 ≥ 6.5 % As of December 31, 2020: Total capital (to risk $ 145,319 12.5 % ≥ $ 121,639 ≥ 10.5 % ≥ $ 115,847 ≥ 10.0 % Tier I capital (to risk $ 133,340 11.5 % ≥ $ 98,470 ≥ 8.5 % ≥ $ 92,678 ≥ 8.0 % Tier I capital (to average $ 133,340 7.2 % ≥ $ 74,026 ≥ 4.0 % ≥ $ 92,532 ≥ 5.0 % Common equity tier 1 (to $ 133,340 11.5 % ≥ $ 81,093 ≥ 7.0 % ≥ $ 75,301 ≥ 6.5 % (1) The Tier 1 capital ratio (to average assets) is not impacted by the Basel III Capital Rules; however, the Federal Reserve and the FDIC may require the Bank to maintain a Tier 1 capital ratio (to average assets) above the minimum required. (2) Percentages represent the minimum capital ratios plus, as applicable, the fully phased-in 2.5 % CIT1 capital buffer under the Basel III Capital Rules.

Earnings Per Common Share

Earnings Per Common Share	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Earnings Per Common Share	16. Earnings Per Common Share Basic earnings per common share is computed by dividing net earnings allocated to common stock by the weighted-average number of common shares outstanding during the applicable period. Diluted earnings per common share is computed using the weighted-average number of shares determined for the basic earnings per common share computation plus the dilutive effect of stock compensation using the treasury stock method. The following table presents a reconciliation of net income available to common shareholders and the number of shares used in the calculation of basic and diluted earnings per common share shown on the consolidated statements of income. For the Years Ended December 31, (Dollars in thousands, except share and per share data) 2021 2020 2019 Net income available to common shareholders $ 11,424 $ 12,115 $ 2,381 Weighted-average shares outstanding for basic earnings per common share 7,874,110 6,232,115 3,846,727 Dilutive effect of stock compensation 264,714 97,645 92,561 Weighted-average shares outstanding for diluted earnings per common share 8,138,824 6,329,760 3,939,288

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	17. Derivative Financial Instruments As part of its hedging strategy, the Company entered into a $ 100.0 million pay-fixed interest rate swap facility with another financial institution. The instrument is designated as a cash flow hedge, and changes in fair values are recognized in other comprehensive income. On February 18, 2021, the facility was discontinued and a termination fee of $ 945,000 was received by the Company. The fee is being accreted from other comprehensive income, net of deferred taxes, into interest expense through September 4, 2025 , which is the maturity date of the contract. For the year ended December 31, 2021, $ 180,000 was recognized as a reduction of interest expense. The Company also offers certain interest rate swap products directly to its qualified commercial banking customers. These financial instruments are not designated as hedging instruments. The interest rate swap derivative positions relate to transactions in which the Company enters into an interest rate swap with a customer, while at the same time entering into an offsetting interest rate swap with another financial institution. An interest rate swap transaction allows customers to effectively convert a variable rate loan to a fixed rate. In connection with each swap, the Company agrees to pay interest on a notional amount at a variable interest rate and receive interest from the customer on a similar notional amount at a fixed interest rate. At the same time, the Company agrees to pay another financial institution the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. Because the Bank acts as an intermediary for its customer, changes in the fair value of the underlying derivative contracts are designed to offset each other and would not significantly impact the Company’s operating results except in certain situations where there is a significant deterioration in the customer’s credit worthiness or that of the counterparties. At December 31, 2021, no such deterioration was determined by management. All derivatives are carried at fair value in either other assets or other liabilities in the accompanying consolidated balance sheets. As of December 31, 2021 and 2020, cash of $ 730,000 and $ 330,000 , respectively, was pledged as collateral for derivative financial instruments. The following tables provide the outstanding notional balances and fair values of outstanding derivative positions at December 31, 2021 and 2020. (Dollars in thousands) Outstanding Asset Liability Pay (1) Receive (1) Remaining (2) December 31, 2021 Pay-fixed interest rate swap (*) $ — $ — $ — 0.20 % USD Fed 3.7 Commercial loan interest rate swaps: Loan customer counterparty 77,587 — 389 4.21 % 7.6 Financial institution counterparty 77,587 389 — 4.21 % 7.6 $ 155,174 $ 389 $ 389 (*) Facility terminated on February 18, 2021 (see disclosure narrative on cash flow hedge above) . (1) Weighted average rate. (2) Weighted average life (in years). (Dollars in thousands) Outstanding Asset Liability Pay (1) Receive (1) Remaining (2) December 31, 2020 Pay-fixed interest rate swap (*) $ 100,000 $ 216 $ 8 0.20 % USD Fed 4.7 Commercial loan interest rate swaps: Loan customer counterparty 15,305 271 — 4.39 % 9.8 Financial institution counterparty 15,305 — 271 4.39 % 9.8 $ 130,610 $ 487 $ 279 (*) Facility terminated on February 18, 2021 (see disclosure narrative on cash flow hedge above) . (1) Weighted average rate. (2) Weighted average life (in years).

Goodwill and Core Deposit Intan

Goodwill and Core Deposit Intangible, Net	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Core Deposit Intangible, Net	18. Goodwill and Core Deposit Intangible, Net In 2020, the Company recorded goodwill and core deposit intangibles of $ 18.0 million and $ 1.6 million, respectively, relating to the Heritage Bancorp, Inc. acquisition (see Note 19 – Business Combinations). Amortization expense of the core deposit intangible (“CDI”) was approximately $ 162,000 for each of the years ended December 31, 2021 and 2020. The remaining weighted average life is 8 years at December 31, 2021. Scheduled amortization of CDI at December 31, 2021 are as follows: (Dollars in thousands) CDI 2022 $ 162 2023 162 2024 162 2025 162 2026 162 2027 and thereafter 482 $ 1,292

Business Combinations

Business Combinations	12 Months Ended
	Dec. 31, 2021
Business Combinations [Abstract]
Business Combination	19. Business Combinations On January 1, 2020, the Company acquired 100 % of the outstanding stock of Heritage Bancorp, Inc. and its subsidiary, Heritage Bank, Houston, Texas, with five branches located in Texas. At December 31, 2020, the Company had issued 2,362,555 shares of Company stock and paid approximately $ 104,000 in cash for the outstanding shares of common stock and options of Heritage. The Company recognized total goodwill of $ 18.0 million, which is calculated as the excess of both the consideration exchanged and liabilities assumed compared to the fair market value of identifiable assets acquired. The fair value of consideration exchanged related to the Company’s stock was calculated based upon the price of the Company’s stock as of December 31, 2019. The goodwill in this acquisition resulted from a combination of expected synergies and expansion in the Texas market. None of the goodwill recognized is expected to be deductible for income tax purposes. During the year ended December 31, 2020, the Company incurred expenses of approximately $ 874,900 related to the acquisition. These expenses are included in the legal and professional, and data processing expense line items in the consolidated statements of income. Results of the acquired company were included in the Company’s results of operations beginning January 1, 2020. Estimated values of the assets acquired and liabilities assumed are as follows: (Dollars in thousands) Assets of acquired bank: Cash and cash equivalents $ 16,215 Securities available for sale 3,785 Loans 259,606 Premises and equipment 7,672 Goodwill 18,034 Core deposit intangible 1,615 Bank owned life insurance 5,001 Federal Home Loan Bank stock 1,431 Other assets 2,512 Total assets acquired $ 315,871 Liabilities of acquired bank: Deposits $ 260,155 Other liabilities 4,751 Total liabilities assumed $ 264,906 Common stock issued $ 21.53 per share $ 50,861 Cash paid $ 104 The loan portfolio had a fair value of $ 259.6 million at acquisition date and a contractual balance of $ 263.3 million.

Parent Company Financial Statem

Parent Company Financial Statements	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Parent Company Financial Statements	20. Parent Company Financial Statements The following balance sheets, statements of income and statements of cash flows for Third Coast Bancshares, Inc. should be read in conjunction with the consolidated financial statements and the notes thereto. Condensed Balance Sheets of the Company (Parent company only) for the periods presented are as follows: (Dollars in thousands) December 31, ASSETS 2021 2020 Cash and cash equivalents $ 8,707 $ 5,234 Investment in subsidiary 289,446 149,014 Other assets 1,856 1,498 Total assets $ 300,009 $ 155,746 LIABILITIES AND SHAREHOLDERS' EQUITY Other borrowings $ 1,000 $ 33,875 Other liabilities 2 153 Total liabilities 1,002 34,028 Commitments and contingencies - ESOP-owned shares — 1,302 Shareholders' equity: Common stock 13,432 6,350 Additional paid-in capital 249,252 91,462 Retained earnings 36,029 24,605 Accumulated other comprehensive income 1,393 279 Treasury stock: at cost ( 1,099 ) ( 978 ) 299,007 121,718 Less: ESOP-owned shares — 1,302 Total shareholders' equity 299,007 120,416 Total liabilities & shareholders' equity $ 300,009 $ 155,746 Condensed Statements of Income and Comprehensive Income of the Company (Parent company only) for the periods are as follows: For the Years Ended December 31, (Dollars in thousands) 2021 2020 2019 Interest expense: Interest on notes payable $ 1,091 $ 1,615 $ 1,436 Total interest expense 1,091 1,615 1,436 Noninterest expense: Legal and professional 680 1,233 937 Other 23 37 ( 1 ) Total noninterest expense 703 1,270 936 Loss before income tax expense and equity in undistributed earnings of subsidiaries ( 1,794 ) ( 2,885 ) ( 2,372 ) Income tax benefit 359 384 498 Loss before equity in undistributed earnings of subsidiaries ( 1,435 ) ( 2,501 ) ( 1,874 ) Equity in undistributed earnings of subsidiaries 12,859 14,616 4,255 Net income $ 11,424 $ 12,115 $ 2,381 Comprehensive income $ 12,538 $ 12,394 $ 2,404 Condensed Statements of Cash Flows of the Company (Parent company only) for the periods presented are as follows: For the Years Ended December 31, (Dollars in thousands) 2021 2020 2019 Cash flows from operating activities: Net income $ 11,424 $ 12,115 $ 2,381 Adjustments to reconcile net income to net cash used in operating activities: Equity in undistributed net income of subsidiaries ( 12,859 ) ( 14,616 ) ( 4,255 ) Net change in other assets ( 359 ) 501 ( 1,485 ) Net change in other liabilities ( 150 ) ( 320 ) 393 Net cash used in operating activities ( 1,944 ) ( 2,320 ) ( 2,966 ) Cash flows from investing activities: Capital investment in subsidiaries ( 125,800 ) — ( 2,500 ) Net cash used in investing activities ( 125,800 ) — ( 2,500 ) Cash flows from financing activities: Proceeds from other borrowings — 11,000 8,000 Repayment of notes payable ( 32,875 ) ( 7,500 ) ( 1,500 ) Proceeds from issuance of common stock 163,199 536 444 Proceeds from stock warrants exercised 19 — — Proceeds from stock options exercised 995 385 301 Net redemption of treasury stock ( 121 ) ( 38 ) ( 527 ) Net cash provided by financing activities 131,217 4,383 6,718 Increase in cash and cash equivalents 3,473 2,063 1,252 Cash and cash equivalents at beginning of period 5,234 3,171 1,919 Cash and cash equivalents at end of period $ 8,707 $ 5,234 $ 3,171

Quarterly Financial Data (UNAUD

Quarterly Financial Data (UNAUDITED)	12 Months Ended
	Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Data (UNAUDITED)	21. Quarterly Financial Data (UNAUDITED) The summary quarterly financial information set forth below for each of the last eight quarters has been derived from the Company's unaudited interim consolidated financial statements and other financial information. The summary historical quarterly financial information includes all adjustments consisting of normal recurring accruals that the Company considers necessary for a fair presentation of the financial position and the results of operations for the periods. The information below is only a summary and should be read in conjunction with "Management's Discussion and Analysis of Financial Condition and Results of Operations" and the consolidated historical financial statements and the related notes thereto included in this Annual Report on Form 10-K. For the Quarters Ended December 31, 2021 (Dollars in thousands) Q4 Q3 Q2 Q1 Selected income statement data: Interest income $ 26,660 $ 24,399 $ 23,931 $ 25,625 Interest expense 2,041 2,397 2,717 2,907 Net interest income 24,619 22,002 21,214 22,718 Provision for loan losses 6,100 2,323 - 1,500 Net interest income after provision for loan losses 18,519 19,679 21,214 21,218 Noninterest income 2,055 964 1,109 750 Noninterest expense 20,087 17,641 17,779 15,518 Income before income tax expense 487 3,002 4,544 6,450 Income tax expense 133 617 955 1,354 Net income $ 354 $ 2,385 $ 3,589 $ 5,096 For the Quarters Ended December 31, 2020 (Dollars in thousands) Q4 Q3 Q2 Q1 Selected income statement data: Interest income $ 22,854 $ 19,242 $ 22,725 $ 17,420 Interest expense 3,182 3,544 3,585 4,049 Net interest income 19,672 15,698 19,140 13,371 Provision for loan losses 5,000 — 2,000 550 Net interest income after provision for loan losses 14,672 15,698 17,140 12,821 Noninterest income 579 633 685 785 Noninterest expense 11,768 11,099 14,659 9,877 Income before income tax expense 3,483 5,232 3,166 3,729 Income tax expense 948 1,099 665 783 Net income $ 2,535 $ 4,133 $ 2,501 $ 2,946

Nature of Operations and Summ_2

Nature of Operations and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Nature of Operations	Nature of Operations Third Coast Bancshares, Inc. ("Bancshares"), through its subsidiary, Third Coast Bank, SSB, a Texas state savings bank (the "Bank”), and the Bank’s subsidiary, Third Coast Commercial Capital, Inc. ("TCCC"), (collectively known as the “Company”), provide general consumer and commercial banking services through twelve branch offic es located in the North, Central and Southeast regions of Texas. Branch locations include: Humble, Beaumont, Port Arthur, Houston, Conroe, Pearland, Lake Jackson, Dallas, Plano, Detroit, La Vernia and Nixon. The Bank is engaged in traditional community banking activities, which include commercial and retail lending, deposit gathering, and investment and liquidity management activities. The Bank’s primary deposit products are demand deposits, money market accounts and certificates of deposit; its primary lending products are commercial business and real estate, residential-construction, real estate mortgage and consumer loans. TCCC engages in accounts receivable factoring activities. The Company is subject to the regulations of certain government agencies and undergoes periodic examinations by those regulatory authorities.
Basis of Presentation	Basis of Presentation The consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”) and with reporting practices prescribed by the financial services industry. The accompanying consolidated financial statements include the accounts of Bancshares, the Bank, and TCCC. All significant intercompany transactions and balances have been eliminated in consolidation. In the opinion of management, all adjustments that were recurring in nature and considered necessary have been included for fair presentation of the Company’s financial position and results of operations. On January 1, 2020, the Company acquired Heritage Bancorp, Inc. and its wholly-owned subsidiary, Heritage Bank (collectively known as "Heritage"). The Company merged Heritage Bancorp, Inc. with and into Bancshares and Heritage Bank with and into the Bank (see Note 19 - Business Combinations). The Company has evaluated subsequent events for potential recognition and/or disclosure through the date the consolidated financial statements were issued. Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ significantly from those estimates. Estimates subject to significant changes include the allowance for loan and lease losses, the expected cash flows and collateral values associated with impaired loans, the carrying value of other real estate owned ("OREO"), the fair value of financial instruments, business combination fair value computations, the valuation of goodwill and other intangible assets, stock-based compensation and deferred income tax assets.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ significantly from those estimates. Estimates subject to significant changes include the allowance for loan and lease losses, the expected cash flows and collateral values associated with impaired loans, the carrying value of other real estate owned ("OREO"), the fair value of financial instruments, business combination fair value computations, the valuation of goodwill and other intangible assets, stock-based compensation and deferred income tax assets.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents include cash, deposits with other financial institutions that have initial maturities of less than 90 days when acquired by the Company and federal funds sold.
Interest Bearing Time Deposits in Other Banks	Interest Bearing Time Deposits in Other Banks Interest bearing time deposits in other banks are carried at cost and generally mature between 90 days to one year from purchase date.
Investment Securities Available For Sale	Investment Securities Available-For-Sale Investment securities available-for-sale consists of bonds, notes, and debentures that are not classified as trading securities or held-to-maturity securities. Investment securities available-for-sale are held for indefinite periods of time and carried at fair value, with the unrealized holding gains and losses reported as a component of other comprehensive income, net of tax. Management determines the appropriate classification of investment securities at the time of purchase.
Loans and Allowance for Loan Losses	Loans and Allowance for Loan Losses Loans are stated at the amount of unpaid principal, reduced by unearned income and an allowance for loan losses ("ALLL"). Interest income is recognized using the effective interest method and includes amortization of deferred loan origination fees and costs over the life of the loan. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both principal and interest) according to the terms of the loan agreement. Reserves on impaired loans are primarily measured based on the fair value of the underlying collateral. Impaired loans, or portions thereof, are charged off when deemed uncollectible. The accrual of interest on loans is discontinued when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. When a loan is placed on non-accrual status, all previously accrued and unpaid interest is reversed. Interest income is subsequently recognized on a cash basis as long as the remaining book balance of the asset is deemed to be collectible. If collectability is questionable, then cash payments are applied to principal. A loan is placed back on accrual status when both principal and interest are current and it is probable that the Company will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement. The allowance for loan losses is established through a provision for loan losses charged against income. The allowance for loan losses includes specific reserves for impaired loans and an estimate of losses inherent in the loan portfolio at the balance sheet date, but not yet identified with specific loans. Loans deemed to be uncollectible are charged against the allowance when management believes that the collectability of the principal is unlikely and subsequent recoveries, if any, are credited to the allowance. Management’s periodic evaluation of the adequacy of the allowance is based on an assessment of the current loan portfolio, including known inherent risks, adverse situations that may affect the borrowers’ ability to repay, the estimated value of any underlying collateral and current economic conditions. From time to time, the Company modifies its loan agreement with a borrower. A modified loan is considered a troubled debt restructuring when two conditions are met: (i) the borrower is experiencing financial difficulty and (ii) concessions are made by the Company that would not otherwise be considered for a borrower with similar credit risk characteristics. Modifications to loan terms may include a lower interest rate, a reduction of principal, or a longer term to maturity. At the time of restructuring, the Company evaluates the economic and business conditions and collection efforts, and should the collection of interest be doubtful, the loan is placed on non-accrual. Each of these loans is evaluated for impairment and a specific reserve is recorded, as necessary, based on probable losses, taking into consideration the related collateral and modified loan terms and cash flow. The Company has certain lending policies and procedures in place that are designed to maximize loan income with an acceptable level of risk. Management reviews and approves these policies and procedures on a regular basis and makes changes as appropriate. Management receives frequent reports related to loan originations, quality, concentrations, delinquencies, non-performing, and potential problem loans. Diversification in the loan portfolio is a means of managing risk associated with fluctuations in economic conditions, both by type of loan and geography. Commercial loans are underwritten after evaluating and understanding the borrower’s ability to operate profitably and effectively. Underwriting standards are designed to determine whether the borrower possesses sound business ethics and practices and to evaluate current and projected cash flows to determine the ability of the borrower to repay their obligations as agreed. Commercial loans are primarily made based on the identified cash flows of the borrower and, secondarily, on the underlying collateral provided by the borrower. Most commercial loans are secured by the assets being financed or other business assets, such as accounts receivable or inventory, and include personal guarantees. Agricultural loans are subject to underwriting standards and processes similar to commercial loans. Agricultural loans are primarily made based on the identified cash flows of the borrower and, secondarily, on the underlying collateral provided by the borrower. Most agricultural loans are secured by the agriculture related assets being financed, such as farmland, cattle, or equipment, and include personal guarantees. Real estate loans are also subject to underwriting standards and processes similar to commercial and agricultural loans. These loans are underwritten primarily based on projected cash flows and, secondarily, as loans secured by real estate. The repayment of real estate loans is generally largely dependent on the successful operation of the property securing the loans or the business conducted on the property securing the loan. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. The properties securing the Company’s real estate portfolio are generally diverse in terms of type and geographic location primarily throughout the Houston, Dallas, and Beaumont-Port Arthur metropolitan areas. This diversity helps reduce the exposure to adverse economic events that affect any single market or industry. Generally, real estate loans are owner occupied which further reduces the Company’s risk. The Company utilizes methodical credit standards and analysis to supplement its policies and procedures in underwriting consumer loans. The Company’s loan policy addresses types of consumer loans that may be originated and the collateral, if secured, which must be perfected. The relatively smaller individual dollar amounts of consumer loans that are spread over numerous individual borrowers also minimizes the Company’s risk. Other loan categories included in our loan portfolio include agricultural loans made to farmers and ranchers relating to their operations and lease financing.
Certain Acquired Loans	Certain Acquired Loans Acquired loans purchased from third parties are recorded at their estimated fair value at the acquisition date, and are initially classified as either purchased credit impaired (“PCI”) loans (i.e., loans that reflect credit deterioration since origination and it is probable at acquisition that the Company will be unable to collect all contractually required payments) or purchased non-impaired loans (“acquired performing loans”). Acquired performing loans are accounted for under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 310-20. Performance of certain loans may be monitored and based on management’s assessment of the cash flows and other facts available, portions of the accretable difference may be delayed or suspended if management deems appropriate. The Company’s policy for determining when to discontinue accruing interest on acquired performing loans and the subsequent accounting for such loans is essentially the same as the policy for originated loans described above. An ALLL is calculated using a methodology similar to that described for originated loans. Acquired performing loans are subsequently evaluated for any required allowance at each reporting date. Such required allowance for each loan is compared to the remaining fair value discount for that loan. If greater, the excess is recognized as an addition to the allowance through a provision for loan losses. If less than the discount, no additional allowance is recorded. Charge-offs and losses first reduce any remaining fair value discount for the loan and once the discount is depleted, losses are applied against the allowance established for that loan. PCI loans are accounted for under the accounting guidance for loans and debt securities acquired with deteriorated credit quality, found in FASB ASC Topic 310-30, Receivables—Loans and Debt Securities Acquired with Deteriorated Credit Quality . The Company estimates the amount and timing of expected principal, interest and other cash flows for each loan meeting the criteria above and determines the excess of the loan’s scheduled contractual principal and contractual interest payments over all cash flows expected to be collected at acquisition as an amount that should not be accreted. These credit discounts (“nonaccretable marks”) are included in the determination of the initial fair value for acquired loans; therefore, an allowance for loan losses is not recorded at the acquisition date. Differences between the estimated fair values and expected cash flows of acquired loans at the acquisition date that are not credit-based (“accretable marks”) are subsequently accreted to interest income over the estimated life of the loans using a method that approximates a level yield method if the timing and amount of the future cash flows is reasonably estimable. Subsequent to the acquisition date for PCI loans, increases in cash flows over those expected at the acquisition date result in a move of the discount from nonaccretable to accretable. Decreases in expected cash flows after the acquisition date are recognized through the provision for loan losses. For PCI loans after acquisition, cash flows expected to be collected are recast for each loan periodically as determined appropriate by management. If the present value of expected cash flows for a loan is less than its carrying value, impairment is reflected by an increase in the ALLL and a charge to the provision for loan losses. If the present value of the expected cash flows for a loan is greater than its carrying value, any previously established ALLL is reversed and any remaining difference increases the accretable yield, which will be taken into income over the remaining life of the loan. Loan dispositions may include sales of loans, receipt of payments in full from the borrower, or foreclosure. Write-downs are not recorded on the PCI loan until actual losses exceed the remaining non-accretable difference. To date, no write-downs have been recorded for the PCI loans held by the Company. Loans that were considered troubled debt restructurings by the third party prior to the acquisition date are not required to be classified as troubled debt restructurings in the Company’s consolidated financial statements unless or until such loans would subsequently meet criteria to be classified as such, since acquired loans were recorded at their estimated fair values at the time of the acquisition.
Loans Held for Sale and Servicing Assets [Policy Text Block]	Loans Held for Sale and Servicing Assets Loans held for sale include mortgage loans originated with the intent to sell on the secondary market. Mortgage loans held for sale are held for an interim period of usually less than 30 days . Accordingly, these loans are carried at aggregate cost and deemed to be the equivalent of fair value based on the short-term nature of the loans. At December 31, 2021, the Company had no loans held for sale. At December 31, 2020, the Company had $ 2.3 million in loans held for sale. Certain Small Business Administration (“SBA”) loans are originated and intended for sale in the secondary market. They are carried at the lower of cost or estimated fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Gains or losses recognized upon the sale of loans are determined on a specific identification basis and are included in non-interest income. SBA loan transfers are accounted for as sales when control over the loan has been surrendered. Control over such loans is deemed to be surrendered when (i) the assets have been isolated from the Company, (ii) 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 (iii) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. The Company has adopted guidance issued by the FASB that clarifies the accounting and reporting standards for transfers and servicing of financial assets and extinguishments of liabilities, in which, after a transfer of financial assets, an entity recognizes the financial and servicing assets it controls and liabilities it has incurred, derecognizes financial assets when control has been surrendered, and derecognizes liabilities when extinguished. To calculate the gain or loss on sale of loans, the Company’s investment in the loan is allocated among the retained portion of the loan, the servicing retained, the interest-only strip and the sold portion of the loan, based on the relative fair value of each portion. The gain or loss on the sold portion of the loan is recognized based on the difference between the sale proceeds and the allocated investment. As a result of the relative fair value allocation, the carrying value of the retained portion is discounted, with the discount accreted to interest income over the life of the loan. Servicing assets are amortized over an estimated life using a method that is in proportion to the estimated future servicing income. In the event future prepayments exceed management’s estimates and future cash flows are inadequate to cover the servicing asset, additional amortization would be recognized. The portion of servicing fees in excess of the contracted servicing fees is reflected as interest-only strips receivable, which are classified as available for sale and are carried at fair value. At December 31, 2021 and 2020, the Company was servicing loans previously sold of approximately $ 3.8 million and $ 6.0 million, respectively. The related servicing assets receivable were not material to the consolidated financial statements at December 31, 2021 and 2020.
Premises and Equipment	Premises and Equipment Buildings, leasehold improvements, furniture and fixtures, and equipment are carried at cost, less accumulated depreciation, computed principally by the straight-line method based on the estimated useful lives of the related asset. Land is not depreciated. Major replacements and betterments are capitalized while maintenance and repairs are charged to expense when incurred. Gains or losses on dispositions are reflected in income as incurred. A small portion of the building’s floor space is currently leased out to tenants and recognized in income when earned.
Other Real Estate Owned	Other Real Estate Owned Other real estate owned represents properties acquired through or in lieu of loan foreclosure and are initially recorded at fair value less estimated costs to sell. Any write-down to fair value at the time of transfer to other real estate owned is charged to the allowance for loan losses. Costs of improvements are capitalized, whereas costs relating to holding other real estate owned and subsequent adjustments to the value are expensed. Operating and holding expenses of such properties, net of related income, are included in loan operations and other real estate owned expense on the accompanying consolidated statements of income. Gains or losses on dispositions are reflected in income as incurred.
Bank Owned Life Insurance	Bank-Owned Life Insurance The Company has purchased life insurance policies on certain employees. These bank-owned life insurance (“BOLI”) policies are recorded in the accompanying consolidated balance sheets at their cash surrender values. Income from these policies and changes in the cash surrender values are reported in the accompanying consolidated statements of income.
Non-marketable Securities	Non-marketable securities The Company has restricted non-marketable securities which represent investment in Federal Home Loan Bank (“FHLB”) stock, Federal Reserve Bank (“FRB”) stock and Texas Independent Bank (“TIB”) stock. These investments are not readily marketable and carried at cost, which approximates fair value. As a member of the FHLB, FRB and TIB systems, the Company is required to maintain minimum level of investments in stock, based on the level of borrowings and other factors. Both cash and stock dividends are reported as income.
Goodwill and Core Deposit Intangibles	Goodwill and Core Deposit Intangibles Goodwill represents the excess of cost over fair value of net assets acquired in a business combination. Goodwill is not amortized and is evaluated for impairment at least annually as of December 31 and on an interim basis if an event triggering impairment may have occurred. Core deposit intangibles are acquired customer relationships arising from bank acquisitions and are amortized on a straight-line basis over their estimated useful life of ten years. Core deposit intangibles are tested for impairment whenever events or changes in circumstances indicate the carrying amount of assets may not be recoverable from future undiscounted cash flows.
Derivative Financial Instruments	Derivative Financial Instruments The Company enters into certain derivative financial instruments as part of its hedging strategy. Certain interest rate swap instruments are used for asset and liability management related to the Company’s commercial customers’ financing needs. These instruments are not designated as accounting hedges and changes in the net fair value are recognized in noninterest income or expense. Other interest rate swap instruments are used to mitigate overall interest rate risk and are designated as cash flow hedges. Changes in the net fair value are recognized in other comprehensive income. All derivatives are carried at fair value in either other assets or other liabilities (see Note 17 - Derivative Financial Instruments).
Business Combinations	Business Combinations The Company applies the acquisition method of accounting for business combinations. Under the acquisition method, the acquiring entity in a business combination recognizes 100% of the assets acquired and liabilities assumed at their acquisition date fair values. Management utilizes valuation techniques appropriate for the asset or liability being measured in determining these fair values. Any excess of the purchase price over amounts allocated to assets acquired, including identifiable intangible assets, and liabilities assumed is recorded as goodwill. Adjustments identified during the measurement period are recognized in the reporting period in which the adjustment amounts are determined. Acquisition related costs are expensed as incurred (see Note 19 – Business Combinations).
Comprehensive Income	Comprehensive Income Comprehensive income includes all changes in shareholders’ equity during a period, except those resulting from transactions with shareholders. Other than net income, comprehensive income includes the net effect of changes in the fair value of securities available-for-sale and certain derivative instruments designated as cash flow hedges.
Revenue from Contract with Customer	Revenues from Contracts with Customers The Company’s revenues from services such as deposit related fees, wire transfer fees, interchange fees, ATM fees, and merchant fee income are presented within non-interest income in the accompanying consolidated statements of income and are recognized as revenue as the Company satisfies its obligation to the customer.
Advertising and Marketing Expenses [Policy Text Block]	Advertising and Marketing Expenses Advertising and marketing expenses consist of the Company’s advertising in its local market area and are expensed as incurred. For the years ended December 31, 2021, 2020 and 2019, advertising and marketing expenses were $ 1.9 million, $ 1.3 million and $ 699,000 , respectively, and are included within noninterest expense in the accompanying consolidated statements of income.
Income Taxes	Income Taxes The Company files a consolidated income tax return with its subsidiary. Federal income tax expense or benefit is allocated on a separate return basis. Deferred tax assets and liabilities are reflected at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. Valuation allowances are established when necessary to reduce deferred tax assets to the amount expected to be realized.
Share-Based Compensation	Share-Based Compensation Compensation expense for stock options is based on the fair value of the award on the measurement date, which, for the Company, is the date of the grant and is recognized ratably over the service period of the award. The fair value of stock options is estimated using the Black-Scholes option-pricing model.
Basic and Diluted Earnings Per Common Share	Basic and Diluted Earnings Per Common Share Earnings per common share is computed in accordance with ASC Topic 260, “Earnings Per Share.” Basic earnings per common share is computed by dividing net earnings allocated to common stock by the weighted-average number of common shares outstanding during the applicable period. Diluted earnings per common share is computed using the weighted-average number of shares determined for the basic earnings per common share computation plus the dilutive effect of stock compensation using the treasury stock method. A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 16 – Earnings Per Common Share.
Reclassification	Reclassification Certain amounts in prior period consolidated financial statements may have been reclassified to conform to current period presentation. These reclassifications are immaterial and have no effect on net income, total assets or shareholders’ equity.
Recently Issued Accounting Standards	Recently-Issued Accounting Standards In June 2016, the FASB issued ASU 2016-13, “Financial Instruments-Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments.” ASU 2016-13 is intended to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit. ASU 2016-13 is effective for fiscal years beginning after December 15, 2022. The Company has not yet evaluated the potential effects of adopting ASU 2016-13 on the Company’s consolidated results of operations, financial position, or cash flows. In February 2016, the FASB issued ASU 2016-02 - "Leases” (Topic 842). ASU 2016-02 is intended to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. ASU 2016-02 is effective for the annual periods beginning after December 15, 2021. Early adoption is permitted. The Company has evaluated the effects of ASU 2016-02 on its consolidated financial statements and disclosures and does not expect the adoption of ASU 2016-02 to have a significant impact on the Company's financial statements.

Investment Securities Availab_2

Investment Securities Available for Sale (Tables)	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Carrying Amount and Fair Values of Investment Securities Available For Sale	The carrying amount of securities and their approximate fair values as of December 31, 2021 and 2020 are as follows: December 31, 2021 (Dollars in thousands) Amortized Gross Gross Estimated Securities available-for-sale: State and municipal securities $ 1,087 $ 7 $ — $ 1,094 Mortgage-backed securities 791 20 — 811 Corporate bonds 23,556 972 1 24,527 $ 25,434 $ 1,000 $ 1 $ 26,432 December 31, 2020 (Dollars in thousands) Amortized Gross Gross Estimated Securities Available-for-sale: State and municipal securities $ 1,881 $ 14 $ 1 $ 1,894 Mortgage-backed securities 1,005 23 — 1,028 Corporate bonds 22,571 321 219 22,673 $ 25,457 $ 358 $ 220 $ 25,595
Schedule of Amortized Cost and Fair Value of Securities by Contractual Maturity	The amortized cost and estimated fair value of securities available for sale at December 31, 2021, by contractual maturity, are shown below. December 31, 2021 Securities (Dollars in thousands) Amortized Estimated Due in one year or less $ 661 $ 662 Due from one year to five years 426 432 Due from five to ten years 23,556 24,527 24,643 25,621 Mortgage-backed securities 791 811 $ 25,434 $ 26,432
Summary of Securities with Unrealized Losses	The following table summarizes securities with unrealized losses at December 31, 2021 and 2020, aggregated by major security type and length of time in a continuous unrealized loss position: December 31, 2021 (Dollars in thousands) Less Than 12 Greater Than 12 Total Estimated Securities available-for-sale: Corporate bonds $ — $ 1 $ 1 $ 3,999 $ — $ 1 $ 1 $ 3,999 December 31, 2020 (Dollars in thousands) Less Than 12 Greater Than 12 Total Estimated Securities available-for-sale: State and municipal securities $ 1 $ — $ 1 $ 503 Corporate bonds 219 — 219 12,102 $ 220 $ — $ 220 $ 12,605

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Schedule of Amounts Recognized in Balance Sheet	Loans in the accompanying consolidated balance sheets consisted of the following: December 31, (Dollars in thousands) 2021 2020 Real estate loans: Non-farm non-residential owner occupied $ 383,941 $ 353,273 Non-farm non-residential non-owner occupied 445,308 277,804 Residential 213,264 140,622 Construction, development & other 320,335 98,207 Farmland 9,934 4,653 Commercial & industrial 611,348 645,928 Consumer 4,001 4,157 Other 80,593 31,448 2,068,724 1,556,092 Allowance for loan losses ( 19,295 ) ( 11,979 ) Loans, net $ 2,049,429 $ 1,544,113
Schedule of Non-accrual and Accruing Past Due Loans, Segregated by Class of Loans	Non-accrual loans and accruing loans past due more than 90 days segregated by class of loans were as follows: December 31, 2021 2020 (Dollars in thousands) Non-accrual Accruing loans Non-accrual Accruing loans Real estate loans: Non-farm non-residential owner occupied $ 1,008 $ — $ 1,944 $ 569 Non-farm non-residential non-owner occupied 346 — 385 — Residential 127 — 85 183 Construction, development & other 244 — 264 — Farmland — — — — Commercial & industrial 8,297 278 4,155 — Consumer — — — — Other — — — — Purchased credit impaired 8 — 424 — $ 10,030 $ 278 $ 7,257 $ 752 As of December 31, 2021 and 2020, the amount of income that would have been accrued for loans on non-accrual was approximately $ 453,000 and $ 298,000 , respectively.
Schedule of Aging Past Due Loans, Segregated by Class of Loans	An age analysis of past due loans, segregated by class of loans, were as follows: December 31, 2021 (Dollars in thousands) 30-59 60-89 Over 90 Total Total Total Real estate loans: Non-farm non-residential $ 291 $ — $ 1,008 $ 1,299 $ 382,642 $ 383,941 Non-farm non-residential 161 — 346 507 444,079 444,586 Residential 230 — 127 357 212,822 213,179 Construction, — 395 244 639 315,584 316,223 Farmland — — — — 9,934 9,934 Commercial & industrial 960 457 8,575 9,992 601,291 611,283 Consumer 9 — — 9 3,992 4,001 Other 18 1 — 19 80,574 80,593 Purchased credit impaired — — 8 8 4,976 4,984 $ 1,669 $ 853 $ 10,308 $ 12,830 $ 2,055,894 $ 2,068,724 December 31, 2020 (Dollars in thousands) 30-59 60-89 Over 90 Total Total Total Real estate loans: Non-farm non-residential $ 287 $ — $ 2,512 $ 2,799 $ 350,474 $ 353,273 Non-farm non-residential 1,734 — 385 2,119 271,785 273,904 Residential 287 — 269 556 140,048 140,604 Construction, — — 264 264 93,820 94,084 Farmland — — — — 4,653 4,653 Commercial & industrial 842 256 4,155 5,253 640,405 645,658 Consumer 50 — — 50 4,107 4,157 Other 21 — — 21 31,427 31,448 Purchased credit impaired — — 424 424 7,887 8,311 $ 3,221 $ 256 $ 8,009 $ 11,486 $ 1,544,606 $ 1,556,092
Schedule of Impaired Loans by Class of Loans	The following tables present impaired loans by class of loans: December 31, 2021 (Dollars in thousands) Unpaid Recorded Recorded Total Related Average Real estate loans: Non-farm non-residential $ 1,008 $ 1,008 $ — $ 1,008 $ — $ 1,051 Non-farm non-residential 5,641 5,630 — 5,630 — 5,680 Residential 130 127 — 127 — 138 Construction, 241 244 — 244 — 255 Farmland — — — — — — Commercial & industrial 8,297 7,331 967 8,298 290 9,117 Consumer — — — — — — Other — — — — — — Purchased credit impaired 65 — 65 65 17 71 $ 15,382 $ 14,340 $ 1,032 $ 15,372 $ 307 $ 16,312 December 31, 2020 (Dollars in thousands) Unpaid Recorded Recorded Total Related Average Real estate loans: Non-farm non-residential $ 1,944 $ 1,944 $ — $ 1,944 $ — $ 1,754 Non-farm non-residential 385 384 — 384 — 406 Residential 85 83 — 83 — 70 Construction, 264 267 — 267 — 188 Farmland — — — — — — Commercial & industrial 4,737 3,706 1,031 4,737 136 4,904 Consumer — — — — — — Other — — — — — — Purchased credit impaired — — — — — — $ 7,415 $ 6,384 $ 1,031 $ 7,415 $ 136 $ 7,322 December 31, 2019 (Dollars in thousands) Unpaid Recorded Recorded Total Related Average Real estate loans: Non-farm non-residential $ 57 $ 57 $ — $ 57 $ — $ 59 Non-farm non-residential — — — — — — Residential 458 459 — 459 — 462 Construction, — — — — — — Farmland — — — — — — Commercial & industrial 3,343 995 2,348 3,343 1,178 4,180 Consumer 14 14 — 14 — 17 Other 34 — 34 34 8 35 Purchased credit impaired 295 171 — 171 — 182 $ 4,201 $ 1,696 $ 2,382 $ 4,078 $ 1,186 $ 4,935
Summary of Troubled Debt Restructuring	During the year ended December 31, 2021 and 2020, the terms of one loan were modified as a troubled debt restructuring (“TDR”). The following table presents modifications of loans the Company considers to be TDR loans: December 31, 2021 Loan modifications (Dollars in thousands) Number Pre- Post- Adjusted Payment Combined Real estate loans: Non-farm non-residential 3 $ 878 $ 878 $ — $ 878 $ — Non-farm non-residential 1 5,294 5,294 — 5,294 — Residential — — — — — — Construction, — — — — — — Farmland — — — — — — Commercial & industrial — — — — — — Consumer — — — — — — Other — — — — — — 4 $ 6,172 $ 6,172 $ — $ 6,172 $ — December 31, 2020 Loan modifications (Dollars in thousands) Number Pre- Post- Adjusted Payment Combined Real estate loans: Non-farm non-residential 3 $ 927 $ 927 $ — $ 927 $ — Non-farm non-residential — — — — — — Residential — — — — — — Construction, — — — — — — Farmland — — — — — — Commercial & industrial 2 758 758 — 758 — Consumer — — — — — — Other — — — — — — 5 $ 1,685 $ 1,685 $ — $ 1,685 $ — There were no loans modified as TDRs during the year ended December 31,2019.
Summary of Internal Ratings of Loans	The following tables summarize the Company’s internal ratings of its loans: December 31, 2021 (Dollars in thousands) Pass Special Substandard Purchased Doubtful Total Real estate loans: Non-farm non-residential $ 370,062 $ 6,953 $ 6,926 $ — $ — $ 383,941 Non-farm non-residential 428,972 8,338 7,276 722 — 445,308 Residential 212,109 — 1,069 86 — 213,264 Construction, 315,979 — 244 4,112 — 320,335 Farmland 9,934 — — — — 9,934 Commercial & industrial 605,322 1,146 4,816 64 — 611,348 Consumer 3,979 22 — — — 4,001 Other 80,593 — — — — 80,593 $ 2,026,950 $ 16,459 $ 20,331 $ 4,984 $ — $ 2,068,724 December 31, 2020 (Dollars in thousands) Pass Special Substandard Purchased Doubtful Total Real estate loans: Non-farm non-residential $ 335,442 $ 12,189 $ 5,642 $ — $ — $ 353,273 Non-farm non-residential 255,468 12,706 5,730 3,900 — 277,804 Residential 139,743 — 861 18 — 140,622 Construction, 93,817 — 267 4,123 — 98,207 Farmland 4,653 — — — — 4,653 Commercial & industrial 629,093 6,144 9,847 270 574 645,928 Consumer 4,157 — — — — 4,157 Other 31,448 — — — — 31,448 $ 1,493,821 $ 31,039 $ 22,347 $ 8,311 $ 574 $ 1,556,092
Schedule of Allowance for Loan Losses	The following tables detail the activity in the allowance for loan losses by portfolio segment: For the Year Ended December 31, 2021 (Dollars in thousands) Beginning Provision for Charge-offs Recoveries Ending Real estate loans: Non-farm non-residential $ 2,608 $ 848 $ — $ — $ 3,456 Non-farm non-residential 3,107 2,828 — — 5,935 Residential 1,218 ( 261 ) — — 957 Construction, development & other 932 1,132 — — 2,064 Farmland 32 13 — — 45 Commercial & industrial 3,858 5,233 ( 2,914 ) 323 6,500 Consumer 35 ( 30 ) — 1 6 Other 189 160 ( 20 ) 3 332 $ 11,979 $ 9,923 $ ( 2,934 ) $ 327 $ 19,295 For the Year Ended December 31, 2020 (Dollars in thousands) Beginning Provision for Charge-offs Recoveries Ending Real estate loans: Non-farm non-residential $ 2,158 $ 449 $ — $ — $ 2,608 Non-farm non-residential 1,627 3,816 ( 2,336 ) — 3,107 Residential 373 845 — — 1,218 Construction, development & other 330 602 — — 932 Farmland 29 3 — — 32 Commercial & industrial 3,504 1,710 ( 1,389 ) 33 3,858 Consumer 16 22 ( 7 ) 5 35 Other 86 103 — — 189 $ 8,123 $ 7,550 $ ( 3,732 ) $ 38 $ 11,979 For the Year Ended December 31, 2019 (Dollars in thousands) Beginning Provision for Charge-offs Recoveries Ending Real estate loans: Non-farm non-residential $ 1,559 $ 550 $ — $ 50 $ 2,158 Non-farm non-residential 1,669 ( 42 ) — — 1,627 Residential 219 154 — — 373 Construction, development & other 306 24 — — 330 Farmland 28 — — — 29 Commercial & industrial 3,063 918 ( 506 ) 29 3,504 Consumer 14 4 ( 2 ) — 16 Other 69 17 — — 86 $ 6,927 $ 1,625 $ ( 508 ) $ 79 $ 8,123
Schedule of Allowance for Loan Losses for Loans Evaluated for Impairment Individually and Collectively	The following tables summarize the allocation of the allowance for loan losses, by portfolio segment, for loans evaluated for impairment individually and collectively: December 31, 2021 Period end amounts of ALLL (Dollars in thousands) Individually Collectively PCI Total Real estate loans: Non-farm non-residential owner occupied $ — $ 3,456 $ — $ 3,456 Non-farm non-residential non-owner occupied — 5,935 — 5,935 Residential — 957 — 957 Construction, development & other — 2,064 — 2,064 Farmland — 45 — 45 Commercial & industrial 290 6,193 17 6,500 Consumer — 6 — 6 Other — 332 — 332 $ 290 $ 18,988 $ 17 $ 19,295 December 31, 2020 Period end amounts of ALLL (Dollars in thousands) Individually Collectively PCI Total Real estate loans: Non-farm non-residential owner occupied $ — $ 2,608 $ — $ 2,608 Non-farm non-residential non-owner occupied — 3,107 — 3,107 Residential — 1,218 — 1,218 Construction, development & other — 932 — 932 Farmland — 32 — 32 Commercial & industrial 136 3,722 — 3,858 Consumer — 35 — 35 Other — 189 — 189 $ 136 $ 11,843 $ — $ 11,979
Schedule Of Allowance for Loan losses For loans evaluated for Impairment Methodology	The company’s recorded investment in loans related to the balance in the allowance for loan losses on the basis of the Company’s impairment methodology is as follows: December 31, 2021 Loans evaluated for (Dollars in thousands) Individually Collectively PCI Total Real estate loans: Non-farm non-residential owner occupied $ 1,008 $ 382,933 $ — $ 383,941 Non-farm non-residential non-owner occupied 5,630 439,678 — 445,308 Residential 127 213,137 — 213,264 Construction, development & other 244 320,091 — 320,335 Farmland — 9,934 — 9,934 Commercial & industrial 8,363 602,920 65 611,348 Consumer — 4,001 — 4,001 Other — 80,593 — 80,593 $ 15,372 $ 2,053,287 $ 65 $ 2,068,724 December 31, 2020 Loans evaluated for (Dollars in thousands) Individually Collectively PCI Total Real estate loans: Non-farm non-residential owner occupied $ 1,944 $ 351,329 — $ 353,273 Non-farm non-residential non-owner occupied 384 273,519 3,901 277,804 Residential 83 140,521 18 140,622 Construction, development & other 267 93,817 4,123 98,207 Farmland — 4,653 — 4,653 Commercial & industrial 4,737 640,921 270 645,928 Consumer — 4,157 — 4,157 Other — 31,448 — 31,448 $ 7,415 $ 1,540,365 $ 8,312 $ 1,556,092
Schedule of Acquisition of Loans	In connection with the acquisition of loans from Heritage Bancorp, Inc. and its subsidiary, Heritage Bank on January 1, 2020, the PCI loan portfolio was accounted for at fair value as follows: (Dollars in thousands) Contractual required payments $ 26,627 Non-accretable difference (expected loss) 15,027 Cash flows expected to be collected at acquisition 11,600 Accretable yield 1,850 Basis in acquired Heritage PCI loans $ 9,750
Schedule of Gross Contractual Amounts Receivable Balances By Portfolio Segment PCI Loans	The following table presents the gross contractual amounts receivable balances, by portfolio segment, and the carrying amount of PCI loans: December 31, (Dollars in thousands) 2021 2020 Real estate loans: Non-farm non-residential owner occupied $ — $ — Non-farm non-residential non-owner occupied 820 5,426 Residential 181 200 Construction, development & other 5,169 5,105 Farmland — — Commercial & industrial 66 383 Consumer — — Other — — Total outstanding balances $ 6,236 $ 11,114 Carrying amount $ 4,984 $ 8,312
Schedule of Accretable Yield Collected on PCI Loans	Accretable yield, or income expected to be collected on PCI loans was as follows: December 31, (Dollars in thousands) 2021 2020 2019 Balance at beginning of year $ 2,261 $ 83 $ 83 New loans acquired from Heritage acquisition — 2,726 — Accretion of income ( 1,335 ) ( 808 ) — Reclassifications from non-accretable difference — 260 — Disposals — — — Balance at end of year $ 926 $ 2,261 $ 83

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Schedule of Premises and Equipment	Premises and equipment in the accompanying consolidated balance sheets consisted of the following: Estimated December 31, (Dollars in thousands) Useful Life 2021 2020 Building 30 years $ 8,404 $ 7,712 Building improvements 3 - 10 years 3,752 3,288 Land 3,894 2,427 Equipment 3 - 5 years 4,308 3,458 Leasehold improvements 3 - 10 years 2,888 2,222 Furniture and fixtures 3 - 5 years 2,541 1,916 Construction in process 1,174 318 26,961 21,341 Accumulated depreciation ( 7,916 ) ( 6,185 ) $ 19,045 $ 15,156

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits Liabilities, Balance Sheet, Reported Amounts [Abstract]
Schedule of Deposit Liabilities	Deposits in the accompanying consolidated balance sheets consisted of the following: December 31, (Dollars in thousands) 2021 2020 Transaction accounts: Noninterest bearing demand accounts $ 531,401 $ 327,361 Interest bearing demand accounts 1,298,546 909,992 Savings 33,539 22,261 Total transaction accounts 1,863,486 1,259,614 Time deposits 277,713 374,217 Total deposits $ 2,141,199 $ 1,633,831
Schedule Maturities of time deposit	Scheduled maturities of time deposits at December 31, 2021 are as follows: 2022 $ 264,273 2023 8,111 2024 2,644 2025 1,023 2026 and thereafter 1,662 $ 277,713

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Summary of Provision for Income Taxes	The provision for income taxes consisted of the following: December 31, (Dollars in thousands) 2021 2020 Current income tax expense $ 3,439 $ 6,311 Deferred income tax benefit ( 380 ) ( 2,816 ) Income tax expense as reported $ 3,059 $ 3,495
Reconciliation of Reported Income Tax Expense	A reconciliation of reported income tax expense to the amount computed by the Company's statutory income tax rate of 21 % to income before income taxes is presented below: December 31, (Dollars in thousands) 2021 2020 Income tax expense computed at statutory rate $ 3,042 $ 3,278 Stock-based compensation 93 33 Bank-owned life insurance ( 119 ) ( 74 ) Non-deductible meals, entertainment, and dues 57 47 Tax-exempt income ( 2 ) ( 2 ) Non-deductible capital offering expenses — 215 Non-deductible merger costs 2 35 Other, net ( 14 ) ( 37 ) Income tax expense as reported $ 3,059 $ 3,495
Summary of Deferred Taxes	A summary of deferred taxes is presented below: December 31, (Dollars in thousands) 2021 2020 Deferred tax assets: Allowance for loan losses $ 4,046 $ 2,499 Organizational and start-up costs 18 30 Accrued expenses 1,189 626 Stock options 131 87 Loan purchase mark-to-mark 216 522 Deposit purchase premium 38 113 Deferred loan origination fees 433 1,343 Other 152 120 Total deferred tax assets 6,223 5,340 Deferred tax liabilities: Premises and equipment 1,161 702 Goodwill and core deposit intangibles 271 305 Investments 66 58 Net unrealized gain on securities available for sale 210 29 Unrealized gain on derivatives 161 45 Prepaid expenses and other 231 162 Total deferred tax liabilities 2,100 1,301 Net deferred tax asset $ 4,123 $ 4,039

FHLB Advances and Other Borro_2

FHLB Advances and Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
Federal Home Loan Banks [Abstract]
Summary of Contractual Maturities of FHLB Advances and Other Borrowings	Contractual maturities of FHLB advances and other borrowings at December 31, 2021 were as follows: (Dollars in thousands) FHLB Other 2022 $ — $ 1,000 2023 — — 2024 — — 2025 — — 2026 and thereafter 50,000 — $ 50,000 $ 1,000

Stock Options and Warrants (Tab

Stock Options and Warrants (Table)	12 Months Ended
	Dec. 31, 2021
Stock Options And Warrants [Abstract]
Summary of Stock Option Activity	A summary of stock option activity for years ended December 31, 2021 and 2020 is presented below: December 31, 2021 2020 (Dollars in thousands, except share and per share data) Shares Weighted Shares Weighted Outstanding at beginning of period 660,251 $ 14.37 499,700 $ 13.84 Granted during the period 788,250 20.22 114,600 16.64 Acquired and converted options from acquisition — — 97,821 13.68 Forfeited during the period ( 144,903 ) 17.55 ( 20,000 ) 14.24 Exercised during the period ( 83,170 ) 13.48 ( 31,870 ) 12.07 Outstanding at the end of period 1,220,428 $ 17.83 660,251 $ 14.37 Options exercisable at end of period 361,758 $ 13.59 397,581 $ 13.14 Weighted-average grant date fair value of options granted $ 3.15 $ 2.65
Schedule of Weighted Average Remaining life	A summary of weighted average remaining life is presented below: December 31, (Dollars in thousands, except 2021 2020 Exercise Price Options Outstanding Weighted Options Exercisable Options Outstanding Weighted Options $ 10.00 - $ 12.99 162,223 5.15 162,223 260,523 4.14 242,823 $ 13.00 - $ 16.99 496,955 7.48 199,535 399,728 8.05 154,758 $ 17.00 - $ 26.99 561,250 9.52 — — — — 1,220,428 8.11 361,758 660,251 6.51 397,581
Schedule of Nonvested Share Activity	A summary of the activity in the Company’s nonvested shares is as follows: December 31, 2021 2020 (Dollars in thousands, except share and per share data) Shares Weighted Shares Weighted Nonvested at January 1, 262,670 $ 3.04 221,250 $ 2.87 Granted during the period 788,250 3.15 114,600 2.65 Acquired and converted options from acquisition — — 97,821 4.62 Vested during the period ( 72,500 ) 3.17 ( 151,001 ) 3.58 Forfeited during the period ( 119,750 ) 2.88 ( 20,000 ) 2.51 Nonvested at end of period 858,670 $ 3.15 262,670 $ 3.04
Schedule Of Stock Warrant Activity	A summary of the Company’s stock warrant activity is presented below: December 31, 2021 2020 (Dollars in thousands, except share and per share data) Shares Weighted Shares Weighted Outstanding at beginning of period 6,000 $ 11.00 6,000 $ 11.00 Granted — — — — Exercised ( 1,715 ) 11.00 — — Expired or forfeited — — — — Outstanding at end of period 4,285 $ 11.00 6,000 $ 11.00 Exercisable at end of period 4,285 $ 11.00 6,000 $ 11.00
Summary of Activity for Nonvested RSAs	A summary of the activity for nonvested RSAs for the years ended December 31, 2021, 2020 and 2019 is presented below: December 31, 2021 2020 2019 (Dollars in thousands, except share and per share data) Shares Weighted Shares Weighted Shares Weighted Nonvested at beginning of period — $ — — $ — — $ — Granted during the period 49,750 24.00 — — — — Vested during the period — — Forfeited during the period — — — — — — Nonvested at the end of period 49,750 $ 24.00 — $ — — $ —

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Schedule of Future Minimum Rental Payments Under Non-cancellable Operating Leases	As of December 31, 2021, future minimum rental payments under non-cancellable operating leases with initial or remaining terms in excess of one year for each year through 2027 and thereafter are as follows: (Dollars in thousands) 2022 $ 1,534 2023 2,227 2024 2,073 2025 2,001 2026 1,989 2027 and thereafter 8,603 $ 18,427

Financial Instruments With Of_2

Financial Instruments With Off Balance Sheet Risk (Table)	12 Months Ended
	Dec. 31, 2021
Financial Instruments With Off Balance Sheet Risk [Abstract]
Schedule of Financial Instruments Outstanding Whose Contract Amounts Represent Credit Risk	The following financial instruments were outstanding whose contract amounts represent credit risk: December 31, (Dollars in thousands) 2021 2020 Commitments to extend credit $ 606,160 $ 162,445 Standby letters of credit 14,144 1,693 Total $ 620,304 $ 164,138

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Summary of Financial Assets and Financial Liabilities Measured at Fair Value	The following table summarizes financial assets and financial liabilities measured at fair value on a recurring basis, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value as of December 31, 2021 and 2020: Fair Value Measurements Using (Dollars in thousands) Level 1 Level 2 Level 3 Total At December 31, 2021: Securities available for sale: State and municipal securities $ — $ 1,094 $ — $ 1,094 Mortgage-backed securities — 811 — 811 Corporate bonds — 24,527 — 24,527 Total investment securities available for sale $ — $ 26,432 $ — $ 26,432 Asset derivatives: Interest rate swaps $ — $ 389 $ — $ 389 Liability derivatives: Interest rate swaps $ — $ 389 $ — $ 389 Fair Value Measurements Using (Dollars in thousands) Level 1 Level 2 Level 3 Total At December 31, 2020: Securities available for sale: State and municipal securities $ — $ 1,894 $ — $ 1,894 Mortgage-backed securities — 1,027 — 1,027 Corporate bonds — 22,674 — 22,674 Total investment securities available for sale $ — $ 25,595 $ — $ 25,595 Loans held for sale: $ — $ — $ 2,844 $ 2,844 Asset derivatives: Interest rate swaps $ — $ 271 $ — $ 271 Pay-fixed interest rate swaps — 216 — 216 $ — $ 487 $ — $ 487 Liability derivatives: Interest rate swaps $ — $ 271 $ — $ 271 Pay-fixed interest rate swaps — 8 — 8 $ — $ 279 $ — $ 279
Summary of Foreclosed Assets Remeasured and Recorded at Fair Value	The following table presents foreclosed assets that were remeasured and recorded at fair value: December 31, (Dollars in thousands) 2021 2020 Foreclosed assets remeasured at initial recognition: Carrying value of foreclosed assets prior to remeasurement $ — $ 3,716 Charge-offs recognized in the allowance for loan losses — 2,336 Fair value of foreclosed assets remeasured at initial recognition $ — $ 1,380 Foreclosed assets remeasured subsequent to initial recognition: Carrying value of foreclosed assets prior to remeasurement $ 1,676 $ 1,997 Write downs included in other non-interest expense — 10 Fair value of foreclosed assets remeasured subsequent to initial recognition $ 1,676 $ 1,987
Summary of Estimated Fair Values and Carrying Values of Financial Instruments	The estimated fair values and carrying values of all financial instruments under current authoritative guidance, segregated by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value are as follows: December 31, 2021 December 31, 2020 (Dollars in thousands) Carrying Estimated Carrying Estimated Financial assets Level 2 inputs Cash and cash equivalents $ 327,025 $ 327,025 $ 203,560 $ 203,560 Interest bearing time deposits in other banks 131 131 129 129 Investment securities available for sale 26,432 26,432 25,595 25,595 Non-marketable securities 7,527 7,527 4,407 4,407 Accrued interest receivable 10,228 10,228 13,676 13,676 Bank-owned life insurance 26,528 26,528 25,961 25,961 Derivative instruments assets 389 389 487 487 $ 398,260 $ 398,260 $ 273,815 $ 273,815 Level 3 inputs Loans, including held for sale, net $ 2,049,429 $ 2,023,761 $ 1,546,458 $ 1,551,624 Financial liabilities Level 2 inputs Deposits $ 2,141,199 $ 2,141,999 $ 1,633,831 $ 1,636,967 Accrued interest payable 437 437 1,215 1,215 FHLB advances 50,000 50,000 70,000 70,000 Notes payable 1,000 1,000 33,875 33,875 Derivative instrument liabilities 389 389 280 280 $ 2,193,025 $ 2,193,825 $ 1,739,201 $ 1,742,337

Shareholders_ Equity and Regu_2

Shareholders’ Equity and Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2021
Stockholders' Equity Note [Abstract]
Schedule of Comparison of the Actual Capital Amounts and Ratios	A comparison of the Bank’s actual capital amounts and ratios to required capital amounts and ratios are presented in the following table: Actual For Capital Adequacy To Be Well Capitalized (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2021: Total capital (to risk $ 288,022 13.5 % ≥ $ 223,444 ≥ 10.5 % ≥ $ 212,804 ≥ 10.0 % Tier I capital (to risk $ 268,727 12.6 % ≥ $ 180,883 ≥ 8.5 % ≥ $ 170,243 ≥ 8.0 % Tier I capital (to average $ 268,727 12.3 % ≥ $ 87,602 ≥ 4.0 % ≥ $ 109,503 ≥ 5.0 % Common equity tier 1 (to $ 268,727 12.6 % ≥ $ 148,962 ≥ 7.0 % ≥ $ 138,322 ≥ 6.5 % As of December 31, 2020: Total capital (to risk $ 145,319 12.5 % ≥ $ 121,639 ≥ 10.5 % ≥ $ 115,847 ≥ 10.0 % Tier I capital (to risk $ 133,340 11.5 % ≥ $ 98,470 ≥ 8.5 % ≥ $ 92,678 ≥ 8.0 % Tier I capital (to average $ 133,340 7.2 % ≥ $ 74,026 ≥ 4.0 % ≥ $ 92,532 ≥ 5.0 % Common equity tier 1 (to $ 133,340 11.5 % ≥ $ 81,093 ≥ 7.0 % ≥ $ 75,301 ≥ 6.5 % (1) The Tier 1 capital ratio (to average assets) is not impacted by the Basel III Capital Rules; however, the Federal Reserve and the FDIC may require the Bank to maintain a Tier 1 capital ratio (to average assets) above the minimum required. (2) Percentages represent the minimum capital ratios plus, as applicable, the fully phased-in 2.5 % CIT1 capital buffer under the Basel III Capital Rules.

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Schedule Of Earnings Per Share Basic And Diluted	The following table presents a reconciliation of net income available to common shareholders and the number of shares used in the calculation of basic and diluted earnings per common share shown on the consolidated statements of income. For the Years Ended December 31, (Dollars in thousands, except share and per share data) 2021 2020 2019 Net income available to common shareholders $ 11,424 $ 12,115 $ 2,381 Weighted-average shares outstanding for basic earnings per common share 7,874,110 6,232,115 3,846,727 Dilutive effect of stock compensation 264,714 97,645 92,561 Weighted-average shares outstanding for diluted earnings per common share 8,138,824 6,329,760 3,939,288

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Outstanding Notional Balances and Fair Values of Outstanding Derivative Positions	The following tables provide the outstanding notional balances and fair values of outstanding derivative positions at December 31, 2021 and 2020. (Dollars in thousands) Outstanding Asset Liability Pay (1) Receive (1) Remaining (2) December 31, 2021 Pay-fixed interest rate swap (*) $ — $ — $ — 0.20 % USD Fed 3.7 Commercial loan interest rate swaps: Loan customer counterparty 77,587 — 389 4.21 % 7.6 Financial institution counterparty 77,587 389 — 4.21 % 7.6 $ 155,174 $ 389 $ 389 (*) Facility terminated on February 18, 2021 (see disclosure narrative on cash flow hedge above) . (1) Weighted average rate. (2) Weighted average life (in years). (Dollars in thousands) Outstanding Asset Liability Pay (1) Receive (1) Remaining (2) December 31, 2020 Pay-fixed interest rate swap (*) $ 100,000 $ 216 $ 8 0.20 % USD Fed 4.7 Commercial loan interest rate swaps: Loan customer counterparty 15,305 271 — 4.39 % 9.8 Financial institution counterparty 15,305 — 271 4.39 % 9.8 $ 130,610 $ 487 $ 279 (*) Facility terminated on February 18, 2021 (see disclosure narrative on cash flow hedge above) . (1) Weighted average rate. (2) Weighted average life (in years).

Goodwill and Core Deposit Int_2

Goodwill and Core Deposit Intangible, Net (Tables)	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Amortization of Core Deposit Intangible	Scheduled amortization of CDI at December 31, 2021 are as follows: (Dollars in thousands) CDI 2022 $ 162 2023 162 2024 162 2025 162 2026 162 2027 and thereafter 482 $ 1,292

Business Combinations (Tables)

Business Combinations (Tables)	12 Months Ended
	Dec. 31, 2021
Business Combinations [Abstract]
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed	Estimated values of the assets acquired and liabilities assumed are as follows: (Dollars in thousands) Assets of acquired bank: Cash and cash equivalents $ 16,215 Securities available for sale 3,785 Loans 259,606 Premises and equipment 7,672 Goodwill 18,034 Core deposit intangible 1,615 Bank owned life insurance 5,001 Federal Home Loan Bank stock 1,431 Other assets 2,512 Total assets acquired $ 315,871 Liabilities of acquired bank: Deposits $ 260,155 Other liabilities 4,751 Total liabilities assumed $ 264,906 Common stock issued $ 21.53 per share $ 50,861 Cash paid $ 104

Parent Company Financial Stat_2

Parent Company Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Schedule of Condensed Balance Sheets	Condensed Balance Sheets of the Company (Parent company only) for the periods presented are as follows: (Dollars in thousands) December 31, ASSETS 2021 2020 Cash and cash equivalents $ 8,707 $ 5,234 Investment in subsidiary 289,446 149,014 Other assets 1,856 1,498 Total assets $ 300,009 $ 155,746 LIABILITIES AND SHAREHOLDERS' EQUITY Other borrowings $ 1,000 $ 33,875 Other liabilities 2 153 Total liabilities 1,002 34,028 Commitments and contingencies - ESOP-owned shares — 1,302 Shareholders' equity: Common stock 13,432 6,350 Additional paid-in capital 249,252 91,462 Retained earnings 36,029 24,605 Accumulated other comprehensive income 1,393 279 Treasury stock: at cost ( 1,099 ) ( 978 ) 299,007 121,718 Less: ESOP-owned shares — 1,302 Total shareholders' equity 299,007 120,416 Total liabilities & shareholders' equity $ 300,009 $ 155,746
Schedule of Condensed Statements of Income and Comprehensive Income	Condensed Statements of Income and Comprehensive Income of the Company (Parent company only) for the periods are as follows: For the Years Ended December 31, (Dollars in thousands) 2021 2020 2019 Interest expense: Interest on notes payable $ 1,091 $ 1,615 $ 1,436 Total interest expense 1,091 1,615 1,436 Noninterest expense: Legal and professional 680 1,233 937 Other 23 37 ( 1 ) Total noninterest expense 703 1,270 936 Loss before income tax expense and equity in undistributed earnings of subsidiaries ( 1,794 ) ( 2,885 ) ( 2,372 ) Income tax benefit 359 384 498 Loss before equity in undistributed earnings of subsidiaries ( 1,435 ) ( 2,501 ) ( 1,874 ) Equity in undistributed earnings of subsidiaries 12,859 14,616 4,255 Net income $ 11,424 $ 12,115 $ 2,381 Comprehensive income $ 12,538 $ 12,394 $ 2,404
Schedule of Condensed Statements of Cash Flows	Condensed Statements of Cash Flows of the Company (Parent company only) for the periods presented are as follows: For the Years Ended December 31, (Dollars in thousands) 2021 2020 2019 Cash flows from operating activities: Net income $ 11,424 $ 12,115 $ 2,381 Adjustments to reconcile net income to net cash used in operating activities: Equity in undistributed net income of subsidiaries ( 12,859 ) ( 14,616 ) ( 4,255 ) Net change in other assets ( 359 ) 501 ( 1,485 ) Net change in other liabilities ( 150 ) ( 320 ) 393 Net cash used in operating activities ( 1,944 ) ( 2,320 ) ( 2,966 ) Cash flows from investing activities: Capital investment in subsidiaries ( 125,800 ) — ( 2,500 ) Net cash used in investing activities ( 125,800 ) — ( 2,500 ) Cash flows from financing activities: Proceeds from other borrowings — 11,000 8,000 Repayment of notes payable ( 32,875 ) ( 7,500 ) ( 1,500 ) Proceeds from issuance of common stock 163,199 536 444 Proceeds from stock warrants exercised 19 — — Proceeds from stock options exercised 995 385 301 Net redemption of treasury stock ( 121 ) ( 38 ) ( 527 ) Net cash provided by financing activities 131,217 4,383 6,718 Increase in cash and cash equivalents 3,473 2,063 1,252 Cash and cash equivalents at beginning of period 5,234 3,171 1,919 Cash and cash equivalents at end of period $ 8,707 $ 5,234 $ 3,171

Quarterly Financial Data (UNA_2

Quarterly Financial Data (UNAUDITED) (Tables)	12 Months Ended
	Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]
Summary of Quarterly Financial Information	The information below is only a summary and should be read in conjunction with "Management's Discussion and Analysis of Financial Condition and Results of Operations" and the consolidated historical financial statements and the related notes thereto included in this Annual Report on Form 10-K. For the Quarters Ended December 31, 2021 (Dollars in thousands) Q4 Q3 Q2 Q1 Selected income statement data: Interest income $ 26,660 $ 24,399 $ 23,931 $ 25,625 Interest expense 2,041 2,397 2,717 2,907 Net interest income 24,619 22,002 21,214 22,718 Provision for loan losses 6,100 2,323 - 1,500 Net interest income after provision for loan losses 18,519 19,679 21,214 21,218 Noninterest income 2,055 964 1,109 750 Noninterest expense 20,087 17,641 17,779 15,518 Income before income tax expense 487 3,002 4,544 6,450 Income tax expense 133 617 955 1,354 Net income $ 354 $ 2,385 $ 3,589 $ 5,096 For the Quarters Ended December 31, 2020 (Dollars in thousands) Q4 Q3 Q2 Q1 Selected income statement data: Interest income $ 22,854 $ 19,242 $ 22,725 $ 17,420 Interest expense 3,182 3,544 3,585 4,049 Net interest income 19,672 15,698 19,140 13,371 Provision for loan losses 5,000 — 2,000 550 Net interest income after provision for loan losses 14,672 15,698 17,140 12,821 Noninterest income 579 633 685 785 Noninterest expense 11,768 11,099 14,659 9,877 Income before income tax expense 3,483 5,232 3,166 3,729 Income tax expense 948 1,099 665 783 Net income $ 2,535 $ 4,133 $ 2,501 $ 2,946

Nature of Operations and Summ_3

Nature of Operations and Summary of Significant Accounting Policies - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accounting Policies [Line Items]
Mortgage loans held for sale are held for an interim period	30 days
Servicing loans previously sold	$ 3,800,000	$ 6,000,000
Loans held for sale		2,345,000
Advertising and marketing expenses	$ 1,889,000	$ 1,326,000	$ 699,000

Investment Securities Availab_3

Investment Securities Available for Sale - Carrying Amount and Fair Values of Investment Securities Available For Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule Of Trading Securities And Other Trading Assets [Line Items]
Amortized Cost	$ 25,434	$ 25,457
Gross Unrealized Gains	1,000	358
Gross Unrealized Losses	1	220
Estimated Fair Value	26,432	25,595
State and Muncipal Securities
Schedule Of Trading Securities And Other Trading Assets [Line Items]
Amortized Cost	1,087	1,881
Gross Unrealized Gains	7	14
Gross Unrealized Losses		1
Estimated Fair Value	1,094	1,894
Mortgage Backed Securities
Schedule Of Trading Securities And Other Trading Assets [Line Items]
Amortized Cost	791	1,005
Gross Unrealized Gains	20	23
Estimated Fair Value	811	1,028
Corporate Bonds
Schedule Of Trading Securities And Other Trading Assets [Line Items]
Amortized Cost	23,556	22,571
Gross Unrealized Gains	972	321
Gross Unrealized Losses	1	219
Estimated Fair Value	$ 24,527	$ 22,673

Investment Securities Availab_4

Investment Securities Available for Sale - Schedule of Amortized Cost and Fair Value of Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Securities Available-for-sale Amortized cost
Due in one year or less	$ 661
Due from one year to five years	426
Due from five to ten years	23,556
Debt securities, available-for-sale, maturity, amortized Cost	24,643
Mortgage-backed securities	791
Amortized Cost	25,434	$ 25,457
Securities Available-for-sale, Estimated Fair Value
Due in one year or less	662
Due from one year to five years	432
Due from five to ten years	24,527
Debt securities, available-for-sale, maturity, amortized Cost	25,621
Mortgage-backed securities	811
Estimated Fair Value	$ 26,432	$ 25,595

Investment Securities Availab_5

Investment Securities Available for Sale - Summary of Securities with Unrealized Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Marketable Securities [Line Items]
Less Than 12 Months in a Loss Position		$ 220
Greater Than 12 Months in a Loss Position	1
Total Unrealized Loss	1	220
Estimated Fair Value	3,999	12,605
Corporate Bonds
Marketable Securities [Line Items]
Less Than 12 Months in a Loss Position		219
Greater Than 12 Months in a Loss Position	1
Total Unrealized Loss	1	219
Estimated Fair Value	$ 3,999	12,102
State and Muncipal Securities
Marketable Securities [Line Items]
Less Than 12 Months in a Loss Position		1
Total Unrealized Loss		1
Estimated Fair Value		$ 503

Investment Securities Availab_6

Investment Securities Available for Sale - Additional Information (Details)	Dec. 31, 2021SecurityInvestment	Dec. 31, 2020SecurityInvestment
Investments, Debt and Equity Securities [Abstract]
Number of unrealized loss positions | Investment	2	9
Number of securities pledged as collateral | Security	0	0

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses - Schedule of Amounts Recognized in Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts Notes And Loans Receivable [Line Items]
Total	$ 2,068,724	$ 1,556,092
Allowance for loan losses	(19,295)	(11,979)
Loans, net	2,049,429	1,544,113
Real Estate | Residential
Accounts Notes And Loans Receivable [Line Items]
Total	213,264	140,622
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total	383,941	353,273
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total	445,308	277,804
Real Estate | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Total	320,335	98,207
Real Estate | Farmland
Accounts Notes And Loans Receivable [Line Items]
Total	9,934	4,653
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Total	611,348	645,928
Consumer
Accounts Notes And Loans Receivable [Line Items]
Total	4,001	4,157
Other
Accounts Notes And Loans Receivable [Line Items]
Total	$ 80,593	$ 31,448

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses - Additional Information (Details)	Dec. 12, 2013USD ($)	Dec. 31, 2021USD ($)Loan	Dec. 31, 2020USD ($)Loan	Dec. 31, 2019USD ($)Loan	Jan. 01, 2020USD ($)	Dec. 31, 2013USD ($)
Accounts Notes And Loans Receivable [Line Items]
Loans unaccreted discounts and deferred fees		$ 6,500,000	$ 10,400,000
Amount of interest income collected on impaired loans		$ 248,000	$ 26,000	$ 0
Number of loans modified under TDR | Loan		4	5	0
Number of loans modified under TDR during the previous twelve-month | Loan		0	0	0
Commitments to lend under TDR		$ 0	$ 0	$ 0
Gross contractual balance of loans from third party						$ 8,200,000
Purchase price of loans from third party						6,300,000
Discount of purchase price of loans from third party	$ 1,900,000
Estimated fair values of purchase credit impaired loans						3,200,000
Estimated fair values of acquired performing loans						3,100,000
Gross contractual amounts receivable purchase credit impaired loans						4,500,000
Gross contractual amounts receivable acquired performing loans						$ 3,700,000
Total amount of unaccreted discounts on PCI loans		926,000	2,400,000
Allowance for loan losses related to purchased credit impaired loans		17,000	0
Loans on non-accrual		453,000	$ 298,000
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Number of loans modified under TDR | Loan			2
SBA Paycheck Protection Program (PPP) | PPP Loans | Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Outstanding loan balances		$ 81,600,000	$ 390,800,000
Heritage Bancorp Inc
Accounts Notes And Loans Receivable [Line Items]
Fair value of loans acquired					$ 259,600,000
Loans acquired carrying value					263,300,000
Heritage Bancorp Inc | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Loans acquired carrying value					250,700,000
Heritage Bancorp Inc | Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
PCI loans acquired carrying value					$ 12,600,000
COVID-19
Accounts Notes And Loans Receivable [Line Items]
Number of outstanding loan balances subject to deferral and modification agreements | Loan		500	800
Outstanding loan balance amount subject to deferral and modification agreements		$ 223,600,000	$ 488,200,000
Description of loan deferments		Certain borrowers were unable to meet their contractual payment obligations because of the adverse effects of COVID-19. During March of 2020 and to help mitigate these effects, the Company began offering deferral modifications of principal and/or interest payments for varying periods, but typically no more than 90 days. After 90 days, customers could apply for an additional deferral, and a small portion of our customers requested such an additional deferral. At December 31, 2021 and 2020, the Company had approximately 500 and 800 loans totaling $223.6 million and $488.2 million in outstanding loan balances subject to deferral and modification agreements due to COVID whereby principal and/or interest payments were deferred to the end of each loan term. Subsequent to the approved deferral period, customers resumed their regular payments. The Coronavirus Aid, Relief, and Economic Security Act (the "CARES Act") provides banks an option to elect to not account for certain loan modifications related to COVID as troubled debt restructurings if the borrowers were not more than 30 days past due at December 31, 2019. In the absence of other intervening factors, such short-term modifications made on a good faith basis are not categorized as troubled debt restructurings, nor are loans granted payment deferrals related to COVID-19 reported as past due or placed on non-accrual status.
Accrued interest receivable related to loans		$ 4,400,000	$ 6,700,000

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses - Schedule of Non-accrual and Accruing Past Due Loans, Segregated by Class of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	$ 10,030	$ 7,257
Accruing loans past due more than 90 days	278	752
Real Estate | Residential
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	127	85
Accruing loans past due more than 90 days		183
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	1,008	1,944
Accruing loans past due more than 90 days		569
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	346	385
Real Estate | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	244	264
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	8,297	4,155
Accruing loans past due more than 90 days	278
Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	$ 8	$ 424

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses - Schedule of Aging Past Due Loans, Segregated by Class of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 2,068,724	$ 1,556,092
30-59 Days
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,669	3,221
60-89 Days
Accounts Notes And Loans Receivable [Line Items]
Total loans	853	256
Over 90 Days
Accounts Notes And Loans Receivable [Line Items]
Total loans	10,308	8,009
Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Total loans	12,830	11,486
Current
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,055,894	1,544,606
Real Estate | Residential
Accounts Notes And Loans Receivable [Line Items]
Total loans	213,264	140,622
Real Estate | Residential | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	213,179	140,604
Real Estate | Residential | 30-59 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	230	287
Real Estate | Residential | Over 90 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	127	269
Real Estate | Residential | Total Past Due | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	357	556
Real Estate | Residential | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	212,822	140,048
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total loans	383,941	353,273
Real Estate | Non-Farm Non-Residential Owner Occupied | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	383,941	353,273
Real Estate | Non-Farm Non-Residential Owner Occupied | 30-59 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	291	287
Real Estate | Non-Farm Non-Residential Owner Occupied | Over 90 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,008	2,512
Real Estate | Non-Farm Non-Residential Owner Occupied | Total Past Due | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,299	2,799
Real Estate | Non-Farm Non-Residential Owner Occupied | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	382,642	350,474
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total loans	445,308	277,804
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	444,586	273,904
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | 30-59 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	161	1,734
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Over 90 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	346	385
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Total Past Due | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	507	2,119
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	444,079	271,785
Real Estate | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Total loans	320,335	98,207
Real Estate | Construction, Development & Other | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	316,223	94,084
Real Estate | Construction, Development & Other | 60-89 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	395
Real Estate | Construction, Development & Other | Over 90 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	244	264
Real Estate | Construction, Development & Other | Total Past Due | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	639	264
Real Estate | Construction, Development & Other | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	315,584	93,820
Real Estate | Farmland
Accounts Notes And Loans Receivable [Line Items]
Total loans	9,934	4,653
Real Estate | Farmland | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	9,934	4,653
Real Estate | Farmland | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	9,934	4,653
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Total loans	611,348	645,928
Commercial & Industrial | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	611,283	645,658
Commercial & Industrial | 30-59 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	960	842
Commercial & Industrial | 60-89 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	457	256
Commercial & Industrial | Over 90 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	8,575	4,155
Commercial & Industrial | Total Past Due | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	9,992	5,253
Commercial & Industrial | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	601,291	640,405
Consumer
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,001	4,157
Consumer | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,001	4,157
Consumer | 30-59 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	9	50
Consumer | Total Past Due | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	9	50
Consumer | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,992	4,107
Other
Accounts Notes And Loans Receivable [Line Items]
Total loans	80,593	31,448
Other | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	80,593	31,448
Other | 30-59 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	18	21
Other | 60-89 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	1
Other | Total Past Due | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	19	21
Other | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	80,574	31,427
Purchased Credit Impaired | Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,984	8,311
Purchased Credit Impaired | Over 90 Days | Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	8	424
Purchased Credit Impaired | Total Past Due | Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	8	424
Purchased Credit Impaired | Current | Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 4,976	$ 7,887

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses - Schedule of Impaired Loans by Class of Loans (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	$ 15,382,000	$ 7,415,000	$ 4,201,000
Recorded investment with no allowance	14,340,000	6,384,000	1,696,000
Recorded investment with allowance	1,032,000	1,031,000	2,382,000
Total recorded investment	15,372,000	7,415,000	4,078,000
Related allowance	307,000	136,000	1,186,000
Average recorded investment during year	16,312,000	7,322,000	4,935,000
Real Estate | Residential
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	130,000	85,000	458,000
Recorded investment with no allowance	127,000	83,000	459,000
Total recorded investment	127,000	83,000	459,000
Average recorded investment during year	138,000	70,000	462,000
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	1,008,000	1,944,000	57,000
Recorded investment with no allowance	1,008,000	1,944,000	57,000
Total recorded investment	1,008,000	1,944,000	57,000
Average recorded investment during year	1,051,000	1,754,000	59,000
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	5,641,000	385,000
Recorded investment with no allowance	5,630,000	384,000
Total recorded investment	5,630,000	384,000
Average recorded investment during year	5,680,000	406,000
Real Estate | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	241,000	264,000
Recorded investment with no allowance	244,000	267,000
Total recorded investment	244,000	267,000
Average recorded investment during year	255,000	188,000
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	8,297,000	4,737,000	3,343,000
Recorded investment with no allowance	7,331,000	3,706,000	995,000
Recorded investment with allowance	967,000	1,031,000	2,348,000
Total recorded investment	8,298,000	4,737,000	3,343,000
Related allowance	290,000	136,000	1,178,000
Average recorded investment during year	9,117,000	$ 4,904,000	4,180,000
Consumer
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance			14,000
Recorded investment with no allowance			14,000
Total recorded investment			14,000
Average recorded investment during year			17,000
Other
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance			34,000
Recorded investment with allowance			34,000
Total recorded investment			34,000
Related allowance			8,000
Average recorded investment during year			35,000
Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	65,000		295,000
Recorded investment with no allowance			171,000
Recorded investment with allowance	65,000
Total recorded investment	65,000		171,000
Related allowance	17,000
Average recorded investment during year	$ 71,000		$ 182,000

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses - Summary of Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Loan	Dec. 31, 2020USD ($)Loan	Dec. 31, 2019Loan
Accounts Notes And Loans Receivable [Line Items]
Number of loans | Loan	4	5	0
Pre- restructuring recorded investment	$ 6,172	$ 1,685
Post- restructuring recorded investment	6,172	1,685
Payment deferral	$ 6,172	$ 1,685
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Number of loans | Loan	3	3
Pre- restructuring recorded investment	$ 878	$ 927
Post- restructuring recorded investment	878	927
Payment deferral	$ 878	$ 927
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Number of loans | Loan	1
Pre- restructuring recorded investment	$ 5,294
Post- restructuring recorded investment	5,294
Payment deferral	$ 5,294
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Number of loans | Loan		2
Pre- restructuring recorded investment		$ 758
Post- restructuring recorded investment		758
Payment deferral		$ 758

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses - Summary of Internal Ratings of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 2,068,724	$ 1,556,092
Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,026,950	1,493,821
Special Mention
Accounts Notes And Loans Receivable [Line Items]
Total loans	16,459	31,039
Substandard
Accounts Notes And Loans Receivable [Line Items]
Total loans	20,331	22,347
Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,984	8,311
Doubtful
Accounts Notes And Loans Receivable [Line Items]
Total loans		574
Real Estate | Residential
Accounts Notes And Loans Receivable [Line Items]
Total loans	213,264	140,622
Real Estate | Residential | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	212,109	139,743
Real Estate | Residential | Substandard
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,069	861
Real Estate | Residential | Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Total loans	86	18
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total loans	383,941	353,273
Real Estate | Non-Farm Non-Residential Owner Occupied | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	370,062	335,442
Real Estate | Non-Farm Non-Residential Owner Occupied | Special Mention
Accounts Notes And Loans Receivable [Line Items]
Total loans	6,953	12,189
Real Estate | Non-Farm Non-Residential Owner Occupied | Substandard
Accounts Notes And Loans Receivable [Line Items]
Total loans	6,926	5,642
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total loans	445,308	277,804
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	428,972	255,468
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Special Mention
Accounts Notes And Loans Receivable [Line Items]
Total loans	8,338	12,706
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Substandard
Accounts Notes And Loans Receivable [Line Items]
Total loans	7,276	5,730
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Total loans	722	3,900
Real Estate | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Total loans	320,335	98,207
Real Estate | Construction, Development & Other | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	315,979	93,817
Real Estate | Construction, Development & Other | Substandard
Accounts Notes And Loans Receivable [Line Items]
Total loans	244	267
Real Estate | Construction, Development & Other | Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,112	4,123
Real Estate | Farmland
Accounts Notes And Loans Receivable [Line Items]
Total loans	9,934	4,653
Real Estate | Farmland | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	9,934	4,653
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Total loans	611,348	645,928
Commercial & Industrial | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	605,322	629,093
Commercial & Industrial | Special Mention
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,146	6,144
Commercial & Industrial | Substandard
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,816	9,847
Commercial & Industrial | Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Total loans	64	270
Commercial & Industrial | Doubtful
Accounts Notes And Loans Receivable [Line Items]
Total loans		574
Consumer
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,001	4,157
Consumer | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,979	4,157
Consumer | Special Mention
Accounts Notes And Loans Receivable [Line Items]
Total loans	22
Other
Accounts Notes And Loans Receivable [Line Items]
Total loans	80,593	31,448
Other | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 80,593	$ 31,448

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses - Schedule of Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	$ 11,979	$ 8,123	$ 6,927
Provision for loan losses	9,923	7,550	1,625
Charge-offs	(2,934)	(3,732)	(508)
Recoveries	327	38	79
Ending balance	19,295	11,979	8,123
Real Estate | Non-Farm Non-Residential Owner Occupied
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	2,608	2,158	1,559
Provision for loan losses	848	449	550
Recoveries			50
Ending balance	3,456	2,608	2,158
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	3,107	1,627	1,669
Provision for loan losses	2,828	3,816	(42)
Charge-offs		(2,336)
Ending balance	5,935	3,107	1,627
Real Estate | Residential
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	1,218	373	219
Provision for loan losses	(261)	845	154
Ending balance	957	1,218	373
Real Estate | Construction, Development & Other
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	932	330	306
Provision for loan losses	1,132	602	24
Ending balance	2,064	932	330
Real Estate | Farmland
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	32	29	28
Provision for loan losses	13	3
Ending balance	45	32	29
Commercial & Industrial
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	3,858	3,504	3,063
Provision for loan losses	5,233	1,710	918
Charge-offs	(2,914)	(1,389)	(506)
Recoveries	323	33	29
Ending balance	6,500	3,858	3,504
Consumer
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	35	16	14
Provision for loan losses	(30)	22	4
Charge-offs		(7)	(2)
Recoveries	1	5
Ending balance	6	35	16
Other
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	189	86	69
Provision for loan losses	160	103	17
Charge-offs	(20)
Recoveries	3
Ending balance	$ 332	$ 189	$ 86

Loans and Allowance for Loan_11

Loans and Allowance for Loan Losses - Schedule of Allowance for Loan Losses for Loans Evaluated for Impairment Individually and Collectively (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, individually evaluated for impairment	$ 290	$ 136
Allowance for loan losses, collectively evaluated for impairment	18,988	11,843
Allowance for loan losses, PCI evaluated for impairment	17
Allowance for loan losses, total	19,295	11,979	$ 8,123	$ 6,927
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	3,456	2,608
Allowance for loan losses, total	3,456	2,608	2,158	1,559
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	5,935	3,107
Allowance for loan losses, total	5,935	3,107	1,627	1,669
Real Estate | Residential
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	957	1,218
Allowance for loan losses, total	957	1,218	373	219
Real Estate | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	2,064	932
Allowance for loan losses, total	2,064	932	330	306
Real Estate | Farmland
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	45	32
Allowance for loan losses, total	45	32	29	28
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, individually evaluated for impairment	290	136
Allowance for loan losses, collectively evaluated for impairment	6,193	3,722
Allowance for loan losses, PCI evaluated for impairment	17
Allowance for loan losses, total	6,500	3,858	3,504	3,063
Consumer
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	6	35
Allowance for loan losses, total	6	35	16	14
Other
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	332	189
Allowance for loan losses, total	$ 332	$ 189	$ 86	$ 69

Loans and Allowance for Loan_12

Loans and Allowance for Loan Losses - Schedule Of Allowance for Loan losses For loans Evaluated for Impairment Methodology (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 2,068,724	$ 1,556,092
Loan Impairment Methodology
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment individually	15,372	7,415
Loans evaluated for impairment collectively	2,053,287	1,540,365
Loans evaluated for impairment PCI	65	8,312
Total loans	2,068,724	1,556,092
Loan Impairment Methodology | Consumer
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment collectively	4,001	4,157
Total loans	4,001	4,157
Loan Impairment Methodology | Real Estate Loans | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment individually	1,008	1,944
Loans evaluated for impairment collectively	382,933	351,329
Total loans	383,941	353,273
Loan Impairment Methodology | Real Estate Loans | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment individually	5,630	384
Loans evaluated for impairment collectively	439,678	273,519
Loans evaluated for impairment PCI		3,901
Total loans	445,308	277,804
Loan Impairment Methodology | Real Estate Loans | Residential
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment individually	127	83
Loans evaluated for impairment collectively	213,137	140,521
Loans evaluated for impairment PCI		18
Total loans	213,264	140,622
Loan Impairment Methodology | Real Estate Loans | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment individually	244	267
Loans evaluated for impairment collectively	320,091	93,817
Loans evaluated for impairment PCI		4,123
Total loans	320,335	98,207
Loan Impairment Methodology | Real Estate Loans | Farmland
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment collectively	9,934	4,653
Total loans	9,934	4,653
Loan Impairment Methodology | Commercial And Industrial Loans
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment individually	8,363	4,737
Loans evaluated for impairment collectively	602,920	640,921
Loans evaluated for impairment PCI	65	270
Total loans	611,348	645,928
Loan Impairment Methodology | Other Loans
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment collectively	80,593	31,448
Total loans	$ 80,593	$ 31,448

Loans and Allowance for Loan_13

Loans and Allowance for Loan Losses - Schedule of Acquisition of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Jan. 01, 2020	Dec. 31, 2019	Dec. 31, 2018
Accounts Notes And Loans Receivable [Line Items]
Accretable yield	$ 926	$ 2,261		$ 83	$ 83
Heritage Bancorp Inc
Accounts Notes And Loans Receivable [Line Items]
Contractual required payments			$ 26,627
Non-accretable difference (expected loss)			15,027
Cash flows expected to be collected at acquisition			11,600
Accretable yield			1,850
Basis in acquired Heritage PCI loans			$ 9,750

Loans and Allowance for Loan_14

Loans and Allowance for Loan Losses - Schedule of Gross Contractual Amounts Receivable Balances By Portfolio Segment PCI Loans (Details) - PCI Loans - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts Notes And Loans Receivable [Line Items]
Total outstanding balances	$ 6,236	$ 11,114
Carrying amount	4,984	8,312
Real Estate Loan Portfolio Segment | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total outstanding balances	820	5,426
Real Estate Loan Portfolio Segment | Residential
Accounts Notes And Loans Receivable [Line Items]
Total outstanding balances	181	200
Real Estate Loan Portfolio Segment | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Total outstanding balances	5,169	5,105
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Total outstanding balances	$ 66	$ 383

Loans and Allowance for Loan_15

Loans and Allowance for Loan Losses - Schedule of Accretable Yield Collected on PCI Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Receivables [Abstract]
Balance at beginning of year	$ 2,261	$ 83
New loans acquired from Heritage acquisition		2,726
Accretion of income	(1,335)	(808)
Reclassifications from non-accretable difference		260
Balance at end of year	$ 926	$ 2,261

Premises and Equipment - Schedu

Premises and Equipment - Schedule of Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 26,961	$ 21,341
Accumulated depreciation	(7,916)	(6,185)
Premises and equipment, Net	$ 19,045	15,156
Building
Property Plant And Equipment [Line Items]
Premises and equipment, useful life	30 years
Premises and equipment, gross	$ 8,404	7,712
Building Improvements
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 3,752	3,288
Building Improvements | Minimum
Property Plant And Equipment [Line Items]
Premises and equipment, useful life	3 years
Building Improvements | Maximum
Property Plant And Equipment [Line Items]
Premises and equipment, useful life	10 years
Land
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 3,894	2,427
Equipment
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 4,308	3,458
Equipment | Minimum
Property Plant And Equipment [Line Items]
Premises and equipment, useful life	3 years
Equipment | Maximum
Property Plant And Equipment [Line Items]
Premises and equipment, useful life	5 years
Leasehold Improvements
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 2,888	2,222
Leasehold Improvements | Minimum
Property Plant And Equipment [Line Items]
Premises and equipment, useful life	3 years
Leasehold Improvements | Maximum
Property Plant And Equipment [Line Items]
Premises and equipment, useful life	10 years
Furniture and Fixtures
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 2,541	1,916
Furniture and Fixtures | Minimum
Property Plant And Equipment [Line Items]
Premises and equipment, useful life	3 years
Furniture and Fixtures | Maximum
Property Plant And Equipment [Line Items]
Premises and equipment, useful life	5 years
Construction in Progress
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 1,174	$ 318

Premises and Equipment - Additi

Premises and Equipment - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 1,700,000	$ 1,500,000	$ 869,000

Deposits - Schedule of Deposit

Deposits - Schedule of Deposit Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Transaction accounts:
Noninterest bearing demand accounts	$ 531,401	$ 327,361
Interest bearing demand accounts	1,298,546	909,992
Savings	33,539	22,261
Total transaction accounts	1,863,486	1,259,614
Time deposits	277,713	374,217
Total deposits	$ 2,141,199	$ 1,633,831

Deposits - Additional Informati

Deposits - Additional Information (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
Time deposits in denominations of $250,000 or more	$ 113,200,000	$ 150,800,000
Aggregate amount of demand time deposits overdrafts	40,000	138,000
Deposits received from related parties	$ 19,000,000	$ 13,700,000

Deposit - Schedule Maturities o

Deposit - Schedule Maturities of time deposit (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Maturities of Time Deposits [Abstract]
2022	$ 264,273
2023	8,111
2024	2,644
2025	1,023
2026 and thereafter	1,662
Time deposits	$ 277,713	$ 374,217

Income Taxes - Summary of Provi

Income Taxes - Summary of Provision for Income Taxes (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Current income tax expense									$ 3,439	$ 6,311
Deferred income tax benefit									(380)	(2,816)
Income tax expense as reported	$ 133	$ 617	$ 955	$ 1,354	$ 948	$ 1,099	$ 665	$ 783	$ 3,059	$ 3,495	$ 852

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Statutory income tax rate	21.00%

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of Reported Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income tax expense computed at statutory rate									$ 3,042	$ 3,278
Stock-based compensation									93	33
Bank-owned life insurance									(119)	(74)
Non-deductible meals, entertainment, and dues									57	47
Tax-exempt income									(2)	(2)
Non-deductible capital offering expenses										215
Non-deductible merger costs									2	35
Other, net									(14)	(37)
Income tax expense as reported	$ 133	$ 617	$ 955	$ 1,354	$ 948	$ 1,099	$ 665	$ 783	$ 3,059	$ 3,495	$ 852

Income Taxes - Summary of Defer

Income Taxes - Summary of Deferred Taxes (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred tax assets:
Allowance for loan losses	$ 4,046	$ 2,499
Organizational and start-up costs	18	30
Accrued expenses	1,189	626
Stock options	131	87
Loan purchase mark-to-mark	216	522
Deposit purchase premium	38	113
Deferred loan origination fees	433	1,343
Other	152	120
Total deferred tax assets	6,223	5,340
Deferred tax liabilities:
Premises and equipment	1,161	702
Goodwill and core deposit intangibles	271	305
Investments	66	58
Net unrealized gain on securities available for sale	210	29
Unrealized gain on derivatives	161	45
Prepaid expenses and other	231	162
Total deferred tax liabilities	2,100	1,301
Net deferred tax asset	$ 4,123	$ 4,039

FHLB Advances and Other Borro_3

FHLB Advances and Other Borrowings - Additional Information (Details) - USD ($)	Mar. 10, 2021	Jul. 29, 2020	Dec. 24, 2019	Jul. 29, 2019	Sep. 27, 2018	Dec. 31, 2021	Dec. 31, 2020	Aug. 30, 2020
Federal Home Loan Bank Advances [Line Items]
Subordinated debt	$ 13,000,000		$ 13,000,000
Revolving line of credit facility						$ 1,000,000
Loans collateralize for borrowings						601,000,000	$ 474,800,000
Outstanding letter of credit						100,500,000
Maximum borrowing capacity under federal fund line of credit						$ 50,500,000	20,500,000
Minimum
Federal Home Loan Bank Advances [Line Items]
Federal home loan bank letter of credit expiration date						2022-01
Maximum
Federal Home Loan Bank Advances [Line Items]
Federal home loan bank letter of credit expiration date						2023-03
FHLB Owns the Option One
Federal Home Loan Bank Advances [Line Items]
FHLB advances						$ 12,000,000
Federal home loans bank floating rate						1.10%
FHLB advances maturity date						Jun. 19, 2029
FHLB Owns the Option Two
Federal Home Loan Bank Advances [Line Items]
FHLB advances						$ 18,000,000
Federal home loans bank floating rate						1.02%
FHLB advances maturity date						Aug. 2, 2029
FHLB Owns the Option Three
Federal Home Loan Bank Advances [Line Items]
FHLB advances						$ 20,000,000
Federal home loans bank floating rate						0.57%
FHLB advances maturity date						Feb. 26, 2035
Line of Credit
Federal Home Loan Bank Advances [Line Items]
Federal funds						$ 0	0
Senior Secured Promissory Notes
Federal Home Loan Bank Advances [Line Items]
Promissory note	$ 20,875,000					$ 1,000,000
Promissory note maturity date						Sep. 10, 2022
Line of credit facility, current borrowing capacity			10,000,000
Frequency of periodic interest payment						Interest is payable quarterly on the 10th day of March, June, September and December through maturity date of September 10, 2022
Secured percentage of debt	100.00%
Revolving line of credit facility	$ 30,875,000
Senior Secured Promissory Notes | US Prime Rate
Federal Home Loan Bank Advances [Line Items]
Interest rate	4.00%
Senior Secured Promissory Notes | Third Party Lender
Federal Home Loan Bank Advances [Line Items]
Revolving line of credit facility	$ 10,000,000
Senior Secured Promissory Note One
Federal Home Loan Bank Advances [Line Items]
Promissory note	$ 15,000,000		$ 5,000,000				10,000,000
Promissory note maturity date			Aug. 30, 2020
Description of interest rate			Journal US Prime Rate, plus 0.50%
Interest rate			4.75%
Debt instrument fixed interest rate								4.25%
Extended maturity date								Aug. 31, 2021
Matured and renewed note amount								$ 10,000,000
Frequency of periodic interest payment						Interest was payable quarterly on the 30th day of February, May, August and November
Secured percentage of debt			100.00%
Senior Secured Promissory Note Two
Federal Home Loan Bank Advances [Line Items]
Promissory note			$ 15,000,000				$ 10,875,000
Promissory note maturity date		Jul. 29, 2022	Mar. 10, 2021
Description of interest rate			interest rate of 6.00% was reduced to 4.75%.
Interest rate			6.00%
Debt instrument fixed interest rate			4.75%
Secured percentage of debt			100.00%
Principal payments			$ 375,000
Senior Debt
Federal Home Loan Bank Advances [Line Items]
Promissory note maturity date						Sep. 10, 2022
Subordinated Promissory Note One
Federal Home Loan Bank Advances [Line Items]
Promissory note					$ 3,000,000
Promissory note maturity date				Sep. 27, 2019
Debt instrument fixed interest rate					5.00%
Retired debt instrument				$ 3,000,000
Date of retired of debt instrument				Jul. 29, 2019
Subordinated Promissory Note Two
Federal Home Loan Bank Advances [Line Items]
Promissory note					$ 2,000,000
Promissory note maturity date					Sep. 27, 2020
Debt instrument fixed interest rate					6.00%
Extended maturity date					Sep. 27, 2022
Subordinated Promissory Note Three
Federal Home Loan Bank Advances [Line Items]
Promissory note		$ 11,000,000		$ 4,000,000
Promissory note maturity date				Jul. 29, 2020
Debt instrument fixed interest rate		6.00%		5.00%
Subordinated Promissory Note Four
Federal Home Loan Bank Advances [Line Items]
Promissory note				$ 2,000,000
Promissory note maturity date				Jul. 29, 2020
Debt instrument fixed interest rate				5.00%
Frequency of periodic interest payment				Quarterly interest payments were due on the 29th day of January, April, July, and October
Subordinated Debt
Federal Home Loan Bank Advances [Line Items]
Frequency of periodic interest payment						Quarterly interest payments were due on the 27th day of March, June, September, and December

FHLB Advances and Other Borro_4

FHLB Advances and Other Borrowings - Summary of Contractual Maturities of FHLB Advances and Other Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Federal Home Loan Banks [Abstract]
2026 and thereafter	$ 50,000
Advances from Federal Home Loan Banks, Total	50,000	$ 70,000
2022	1,000
Other Borrowings, Total	$ 1,000

Stock Options and Warrants - Ad

Stock Options and Warrants - Additional Information (Details)	May 20, 2021shares	Jan. 01, 2020shares	Jul. 31, 2018shares	Dec. 31, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / shares	Dec. 31, 2019USD ($)$ / shares	Jan. 01, 2021shares	May 29, 2019shares	Dec. 31, 2017shares
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Expiration period		10 years
Exchange ratio		0.89
Vested options outstanding		109,908
Converted options of common stock		97,821
Remaining available for grant for future awards				0
Risk-free interest rate minimum				0.70%	0.47%	1.46%
Risk-free interest rate maximum				1.48%	1.85%	2.64%
Dividend yield rate				0.00%	0.00%	0.00%
Estimated volatility rate				10.00%	10.00%	10.00%
Expected lives of options				7 years 6 months	7 years 6 months	7 years 6 months
Stock-based compensation expense | $				$ 552,000	$ 275,000	$ 231,000
Total intrinsic value of outstanding in-the-money stock options | $				5,800,000	1,300,000
Intrinsic value outstanding in-the-money exercisable stock options | $				3,000,000	1,200,000
Intrinsic value of stock options exercised | $				506,000	139,000	164,000
Stock options exercised | $				$ 995,000	$ 385,000	$ 301,000
Weighted average remaining contractual life of warrants outstanding				1 year 6 months
Warrants exercisable year				10 years
Warrants expires date				Jul. 1, 2023
Weighted-average grant date fair value of options granted during the period | $ / shares				$ 3.15	$ 2.65	$ 3.26
Weighted Average Grant Date Fair Value 'Vested during the period | $ / shares				$ 3.17	3.58	$ 3.84
Directors, Executive Officers and Other Key Employees
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Expiration period				10 years
Vesting period				5 years
Director
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Granted exercise price | $ / shares					16.43
Executive Officer
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Granted exercise price | $ / shares					$ 16.78
Other Key Employees | IPO
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Granted exercise price | $ / shares				$ 26.68
Non-vested Stock Options
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Unrecognized compensation costs related non-vested stock | $				$ 2,200,000
RSAs
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Contractual term				10 years
Stock-based compensation expense | $				$ 106,000
Fair value of shares vested | $				0	$ 0	$ 0
Total unrecognized compensation cost related to nonvested restricted stock awards | $				$ 1,100,000
Total unrecognized compensation cost related to nonvested restricted stock awards recognized over remaining weighted average period				2 years 6 months 21 days
Common Stock
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stock options exercised | $				$ 83,000	$ 32,000	$ 29,000
Minimum | Director and Executive Officers
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Granted exercise price | $ / shares				$ 16.30
Minimum | RSAs
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting period				2 years
Maximum | Director and Executive Officers
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Granted exercise price | $ / shares				$ 24
Maximum | RSAs
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting period				4 years
2013 Plan
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of shares authorized to grant				500,000
Additional issuance shares								152,750
Remaining available for grant for future awards				0
2019 Plan
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Additional issuance shares	800,000
Additional options shares grant in period	500,000
Remaining available for grant for future awards				201,023
Director Plan
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of shares authorized to grant									100,000
Additional options shares grant in period			50,000
Description of the plan				Options are generally granted with an exercise price equal to the market price of the Company’s stock at the date of the grant. Option awards generally vest based on 5 years of continuous service and have 10-year contractual terms for non-controlling participants as defined by the Director Plan. Other grant terms can vary for controlling participants as defined by the Director Plan.
Remaining available for grant for future awards				8,000
Director Plan | Common Stock
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of shares authorized to grant			150,000
Director Plan | Maximum
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of shares authorized to grant							187,000

Stock Options and Warrants - Su

Stock Options and Warrants - Summary of Stock Option Activity (Details) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stock options grant	788,250	114,600
Weighted-average grant date fair value of options granted during the period	$ 3.15	$ 2.65	$ 3.26
Underlying Options Shares
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Outstanding at beginning of period	660,251	499,700
Stock options grant	788,250	114,600
Acquired and converted options from acquisition		97,821
Forfeited during the period	(144,903)	(20,000)
Exercised during the period	(83,170)	(31,870)
Outstanding at the end of period	1,220,428	660,251	499,700
Options exercisable at end of period	361,758	397,581
Outstanding at beginning of period	$ 14.37	$ 13.84
Granted during the period	20.22	16.64
Acquired and converted options from acquisition		13.68
Forfeited during the period	17.55	14.24
Exercised during the period	13.48	12.07
Outstanding at the end of period	17.83	14.37	$ 13.84
Options exercisable at end of period	13.59	13.14
Weighted-average grant date fair value of options granted during the period	$ 3.15	$ 2.65

Stock Options and Warrants - Sc

Stock Options and Warrants - Schedule of Weighted Average Remaining life (Details) - Underlying Options Shares - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Options Outstanding	1,220,428	660,251	499,700
Weighted Average Remaining Life (years)	8 years 1 month 9 days	6 years 6 months 3 days
Options Exercisable	361,758	397,581
$10.00 - $12.99
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Exercise Price, Lower Range Limit	$ 10
Exercise Price, Upper Range Limit	$ 12.99
Options Outstanding	162,223	260,523
Weighted Average Remaining Life (years)	5 years 1 month 24 days	4 years 1 month 20 days
Options Exercisable	162,223	242,823
$13.00 - $16.99
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Exercise Price, Lower Range Limit	$ 13
Exercise Price, Upper Range Limit	$ 16.99
Options Outstanding	496,955	399,728
Weighted Average Remaining Life (years)	7 years 5 months 23 days	8 years 18 days
Options Exercisable	199,535	154,758
$17.00 - $26.99
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Exercise Price, Lower Range Limit	$ 17
Exercise Price, Upper Range Limit	$ 26.99
Options Outstanding	561,250
Weighted Average Remaining Life (years)	9 years 6 months 7 days

Stock Options and Warrants - _2

Stock Options and Warrants - Schedule of Nonvested Share Activity (Details) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Shares Nonvested at January 1,	262,670	221,250
Shares Granted during the period	788,250	114,600
Shares Acquired and converted options from acquisition		97,821
Shares Vested during the period	(72,500)	(151,001)
Shares Forfeited during the period	(119,750)	(20,000)
Shares Nonvested at end of period	858,670	262,670	221,250
Weighted Average Grant Date Fair Value Nonvested at January 1	$ 3.04	$ 2.87
Weighted Average Grant Date Fair Value Granted during the period	3.15	2.65	$ 3.26
Weighted Average Grant Date Fair Value Acquired and converted options from acquisition		4.62
Weighted Average Grant Date Fair Value 'Vested during the period	3.17	3.58	3.84
Weighted Average Grant Date Fair Value Forfeited during the period	2.88	2.51
Weighted Average Grant Date Fair Value Nonvested at end of period	$ 3.15	$ 3.04	$ 2.87

Stock Options and Warrants - _3

Stock Options and Warrants - Schedule Of Stock Warrant Activity (Details) - Underlying Warrants - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Shares Underlying Warrants Outstanding at beginning of period	6,000	6,000
Shares Underlying Warrants Exercised	(1,715)	0
Shares Underlying Warrants Outstanding at end of period	4,285	6,000
Shares Underlying Warrants Exercisable at end of period	4,285	6,000
Weighted Average Exercise Price, Outstanding at beginning of period	$ 11	$ 11
Weighted Average Exercise Price, Exercised	11	0
Weighted Average Exercise Price, Outstanding at end of period	11	11
Weighted Average Exercise Price, Exercisable at end of period	$ 11	$ 11

Stock Options and Warrants - _4

Stock Options and Warrants - Summary of Activity for Nonvested RSAs (Details) - RSAs	12 Months Ended
	Dec. 31, 2021$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares Granted during the period | shares	49,750
Shares Nonvested at the end of period | shares	49,750
Weighted Average Grant Date Fair Value, Granted during the period | $ / shares	$ 24
Weighted Average Grant Date Fair Value, Nonvested at the end of period | $ / shares	$ 24

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Lessee, Lease, Description [Line Items]
Operating leases rent expense	$ 1.6	$ 1.2	$ 1
Minimum
Lessee, Lease, Description [Line Items]
Operating leases term	6 months
Maximum
Lessee, Lease, Description [Line Items]
Operating leases term	160 months

Commitments and Contingencies_2

Commitments and Contingencies - Schedule of Future Minimum Rental Payments Under Non-cancellable Operating Leases (Details) $ in Thousands	Dec. 31, 2021USD ($)
Commitments and Contingencies Disclosure [Abstract]
2022	$ 1,534
2023	2,227
2024	2,073
2025	2,001
2026	1,989
2027 and thereafter	8,603
Future minimum rental payments under non-cancellable operating leases	$ 18,427

Financial Instruments With Of_3

Financial Instruments With Off Balance Sheet Risk - Schedule of Financial Instruments Outstanding Whose Contract Amounts Represent Credit Risk (Details) - USD ($)	Sep. 30, 2021	Dec. 31, 2020
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Total	$ 620,304	$ 164,138
Standby Letters of Credit
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Total	14,144	1,693
Commitments to Extend Credit
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Total	$ 606,160	$ 162,445

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Impaired loans with carrying value	$ 15,372,000	$ 7,415,000	$ 4,078,000
Valuation allowances	307,000	136,000	$ 1,186,000
Net fair value	15,100,000	7,300,000
Fair value, assets, transfers between levels	0	0
Fair value, liabilities, transfers between levels	$ 0	$ 0

Fair Value Measurements - Summa

Fair Value Measurements - Summary of Financial Assets and Financial Liabilities Measured at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Securities available for sale:
Total investment securities available for sale	$ 26,432	$ 25,595
Loans held for sale		2,345
State and Muncipal Securities
Securities available for sale:
Total investment securities available for sale	1,094	1,894
Mortgage Backed Securities
Securities available for sale:
Total investment securities available for sale	811	1,028
Corporate Bonds
Securities available for sale:
Total investment securities available for sale	24,527	22,673
Fair Value, Recurring
Securities available for sale:
Total investment securities available for sale	26,432	25,595
Loans held for sale		2,844
Asset derivatives:
Asset derivatives		487
Liability derivatives:
Liability derivatives		279
Fair Value, Recurring | State and Muncipal Securities
Securities available for sale:
Total investment securities available for sale	1,094	1,894
Fair Value, Recurring | Mortgage Backed Securities
Securities available for sale:
Total investment securities available for sale	811	1,027
Fair Value, Recurring | Corporate Bonds
Securities available for sale:
Total investment securities available for sale	24,527	22,674
Fair Value, Recurring | Interest Rate Swaps
Asset derivatives:
Asset derivatives	389	271
Liability derivatives:
Liability derivatives	389	271
Fair Value, Recurring | Pay-fixed Interest Rate Swaps
Asset derivatives:
Asset derivatives		216
Liability derivatives:
Liability derivatives		8
Fair Value, Recurring | Level 2 Inputs
Securities available for sale:
Total investment securities available for sale	26,432	25,595
Loans held for sale		2,844
Asset derivatives:
Asset derivatives		487
Liability derivatives:
Liability derivatives		279
Fair Value, Recurring | Level 2 Inputs | State and Muncipal Securities
Securities available for sale:
Total investment securities available for sale	1,094	1,894
Fair Value, Recurring | Level 2 Inputs | Mortgage Backed Securities
Securities available for sale:
Total investment securities available for sale	811	1,027
Fair Value, Recurring | Level 2 Inputs | Corporate Bonds
Securities available for sale:
Total investment securities available for sale	24,527	22,674
Fair Value, Recurring | Level 2 Inputs | Interest Rate Swaps
Asset derivatives:
Asset derivatives	389	271
Liability derivatives:
Liability derivatives	$ 389	271
Fair Value, Recurring | Level 2 Inputs | Pay-fixed Interest Rate Swaps
Asset derivatives:
Asset derivatives		216
Liability derivatives:
Liability derivatives		$ 8

Fair Value Measurements - Sum_2

Fair Value Measurements - Summary of Foreclosed Assets Remeasured and Recorded at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Foreclosed assets remeasured at initial recognition:
Carrying value of foreclosed assets prior to remeasurement		$ 3,716
Charge-offs recognized in the allowance for loan losses		2,336
Fair value of foreclosed assets remeasured at initial recognition		1,380
Foreclosed assets remeasured subsequent to initial recognition:
Carrying value of foreclosed assets prior to remeasurement	$ 1,676	1,997
Write downs included in other non-interest expense		10
Fair value of foreclosed assets remeasured subsequent to initial recognition	$ 1,676	$ 1,987

Fair Value Measurements - Sum_3

Fair Value Measurements - Summary of Estimated Fair Values and Carrying Values of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial assets
Cash and cash equivalents	$ 327,025	$ 203,560
Interest bearing time deposits in other banks	131	129
Investment securities available for sale	26,432	25,595
Non-marketable securities	7,527	4,407
Accrued interest receivable	10,228	13,676
Bank-owned life insurance	26,528	25,961
Total assets	2,499,412	1,867,293
Loans, including held for sale, net	2,049,429	1,544,113
Financial liabilities
Deposits	2,141,199	1,633,831
Accrued interest payable	437	1,215
FHLB advances	50,000	70,000
Total liabilities	2,200,405	1,745,575
Carrying Value | Level 2 Inputs
Financial assets
Cash and cash equivalents	327,025	203,560
Interest bearing time deposits in other banks	131	129
Investment securities available for sale	26,432	25,595
Non-marketable securities	7,527	4,407
Accrued interest receivable	10,228	13,676
Bank-owned life insurance	26,528	25,961
Derivative instruments assets	389	487
Total assets	398,260	273,815
Financial liabilities
Deposits	2,141,199	1,633,831
Accrued interest payable	437	1,215
FHLB advances	50,000	70,000
Notes payable	1,000	33,875
Derivative instrument liabilities	389	280
Total liabilities	2,193,025	1,739,201
Carrying Value | Level 3 Inputs
Financial assets
Loans, including held for sale, net	2,049,429	1,546,458
Estimated Fair Value | Level 2 Inputs
Financial assets
Cash and cash equivalents	327,025	203,560
Interest bearing time deposits in other banks	131	129
Investment securities available for sale	26,432	25,595
Non-marketable securities	7,527	4,407
Accrued interest receivable	10,228	13,676
Bank-owned life insurance	26,528	25,961
Derivative instruments assets	389	487
Total assets	398,260	273,815
Financial liabilities
Deposits	2,141,999	1,636,967
Accrued interest payable	437	1,215
FHLB advances	50,000	70,000
Notes payable	1,000	33,875
Derivative instrument liabilities	389	280
Total liabilities	2,193,825	1,742,337
Estimated Fair Value | Level 3 Inputs
Financial assets
Loans, including held for sale, net	$ 2,023,761	$ 1,551,624

Significant Group Concentrati_2

Significant Group Concentrations of Credit Risk - Additional Information (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Concentration Risk [Line Items]
Federal funds sold	$ 292,000	$ 2,290,000
Uninsured deposit	$ 189,700,000	$ 172,900,000

Employee Benefit Plans - Additi

Employee Benefit Plans - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Postemployment Benefits [Abstract]
Estimated fair value of cash obligation	$ 2,300,000	$ 1,302,000
Increase in fair value of ESOP shares	$ 317,000
Number of shares held by ESOP	113,306
Unallocated shares	0
Plan released shares committed	10,826
Fair value of shares committed to be released	$ 284,000
Number of shares repurchased from ESOP	8,211
Repurchased shares from ESOP	$ 167,000
Contributions to ESOP	936,000	645,000	$ 474,000
Administrative expenses related to ESOP	$ 41,000	$ 16,000	$ 24,000

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Related Party Transactions [Abstract]
Aggregate amounts of loans to related parties	$ 569,000	$ 382,000
Loan originations to related parties	555,000
Repayments to related party loans	368,000
Related party unfunded commitments	$ 0	$ 233,000

Shareholders' Equity and Regula

Shareholders' Equity and Regulatory Matters - Additional Information (Details) - USD ($) $ / shares in Units, $ in Thousands	Nov. 17, 2021	Nov. 09, 2021	Aug. 27, 2021	Aug. 27, 2021	Jun. 30, 2021	Dec. 31, 2021
Subsidiary, Sale of Stock [Line Items]
Repayments of Long-term Debt						$ 32,500
Senior Debt
Subsidiary, Sale of Stock [Line Items]
Repayments of Senior Debt						$ 19,500
Debt due date						Sep. 10, 2022
Subordinated Debt One
Subsidiary, Sale of Stock [Line Items]
Repayments of Subordinated Debt						$ 11,000
Debt due date						Jul. 29, 2022
Subordinated Debt Two [Member]
Subsidiary, Sale of Stock [Line Items]
Repayments of Subordinated Debt						$ 2,000
Debt due date						Sep. 27, 2022
Private Placement Offering
Subsidiary, Sale of Stock [Line Items]
Issuance and sale of common stock			2,937,876	2,710,569	227,307
Proceeds from issuance and sale of common stock			$ 70,500	$ 65,100	$ 5,400
Aggregate net proceeds from issuance of common stock						$ 70,509
Initial Public Offering
Subsidiary, Sale of Stock [Line Items]
Share issued and sold		4,025,000
Share issued, price per share		$ 25
Aggregate net proceeds from issuance of common stock		$ 92,000				$ 92,043
Aggregate gross proceeds		100,600
Underwriting discounts and offering expenses		$ 8,600
Initial Public Offering | Restricted Stock
Subsidiary, Sale of Stock [Line Items]
Share issued	49,750
Over-Allotment Option
Subsidiary, Sale of Stock [Line Items]
Share issued and sold	525,000

Shareholders Equity and Regulat

Shareholders Equity and Regulatory Matters - Schedule of comparison of the actual capital amounts and ratios (Details) $ in Thousands		Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Banking Regulation, Tier One Risk-Based Capital [Abstract]
Total capital (to risk weighted assets), Actual, Amount		$ 288,022	$ 145,319
Total capital (to risk weighted assets), Actual, Ratio		13.5	12.5
Total capital (to risk weighted assets), For Capital Adequacy Purposes, Amount	[1]	$ 223,444	$ 121,639
Total capital (to risk weighted assets), For Capital Adequacy Purposes, Ratio	[1]	10.5	10.5
Total capital (to risk weighted assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount		$ 212,804	$ 115,847
Total capital (to risk weighted assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio		10	10
Tier I capital (to risk weighted assets), Actual, Amount		$ 268,727	$ 133,340
Tier I capital (to risk weighted assets), Actual, Ratio		12.6	11.5
Tier I capital (to risk weighted assets), For Capital Adequacy Purposes, Amount	[1]	$ 180,883	$ 98,470
Tier I capital (to risk weighted assets), For Capital Adequacy Purposes, Ratio	[1]	8.5	8.5
Tier I capital (to risk weighted assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount		$ 170,243	$ 92,678
Tier I capital (to risk weighted assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio		8	8
Tier I capital (to average assets), Actual, Amount	[2]	$ 268,727	$ 133,340
Tier I capital (to average assets), Actual, Ratio	[2]	12.3	7.2
Tier I capital (to average assets), For Capital Adequacy Purposes, Amount	[1],[2]	$ 87,602	$ 74,026
Tier I capital (to average assets), For Capital Adequacy Purposes, Ratio	[1],[2]	4	4
Tier I capital (to average assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	[2]	$ 109,503	$ 92,532
Tier I capital (to average assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	[2]	5	5
Common equity tier 1 (to risk weighted assets), Actual, Amount		$ 268,727	$ 133,340
Common equity tier 1 (to risk weighted assets), Actual, Ratio		12.6	11.5
Common equity tier 1 (to risk weighted assets), For Capital Adequacy Purposes, Amount	[1]	$ 148,962	$ 81,093
Common equity tier 1 (to risk weighted assets), For Capital Adequacy Purposes, Ratio	[1]	7	7
Common equity tier 1 (to risk weighted assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount		$ 138,322	$ 75,301
Common equity tier 1 (to risk weighted assets), To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio		6.5	6.5
[1]	Percentages represent the minimum capital ratios plus, as applicable, the fully phased-in 2.5 % CIT1 capital buffer under the Basel III Capital Rules.
[2]	The Tier 1 capital ratio (to average assets) is not impacted by the Basel III Capital Rules; however, the Federal Reserve and the FDIC may require the Bank to maintain a Tier 1 capital ratio (to average assets) above the minimum required.

Shareholders' Equity and Regu_2

Shareholders' Equity and Regulatory Matters - Schedule of comparison of the actual capital amounts and ratios (Parenthetical) (Details)	Dec. 31, 2021	Dec. 31, 2020
Banking Regulation, Tier One Risk-Based Capital [Abstract]
CITI Capital Buffer Rate	2.50%	2.50%

Earnings Per Common Share - Sch

Earnings Per Common Share - Schedule Of Earnings Per Share Basic And Diluted (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Earnings Per Share [Abstract]
Net income available to common shareholders	$ 11,424	$ 12,115	$ 2,381
Weighted-average shares outstanding for basic earnings per common share	7,874,110	6,232,115	3,846,727
Dilutive effect of stock compensation	264,714	97,645	92,561
Weighted-average shares outstanding for diluted earnings per common share	8,138,824	6,329,760	3,939,288

Derivative Financial Instrume_3

Derivative Financial Instruments - Additional Information (Details) - USD ($)	Feb. 18, 2021	Dec. 31, 2021	Dec. 31, 2020
General Discussion of Derivative Instruments and Hedging Activities [Abstract]
Pay fixed interest rate swap		$ 100,000,000
Proceeds from Fees Received	$ 945,000
Contract maturity date		Sep. 4, 2025
Reduction of interest expense		$ 180,000
Collateral for derivative financial instruments		$ 730,000	$ 330,000

Derivative Financial Instrume_4

Derivative Financial Instruments - Schedule of Outstanding Notional Balances and Fair Values of Outstanding Derivative Positions (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020
Pay Fixed Interest Rate Swap
Derivatives Fair Value [Line Items]
Outstanding Notional Balance	[1]		$ 100,000
Asset Derivative Fair Value	[1]		216
Liability Derivative Fair Value	[1]		$ 8
Pay Rate	[1],[2]	0.20%	0.20%
Remaining Term	[1],[3]	3 years 8 months 12 days	4 years 8 months 12 days
Pay Fixed Interest Rate Swap | Designated as Hedging Instrument
Derivatives Fair Value [Line Items]
Receive rate index description	[2]	USD FedFunds-H.15	USD FedFunds-H.15
Commercial Loan Interest Rate Swaps
Derivatives Fair Value [Line Items]
Outstanding Notional Balance		$ 155,174	$ 130,610
Asset Derivative Fair Value		389	487
Liability Derivative Fair Value		389	279
Commercial Loan Interest Rate Swaps | Loan Customer Counterparty | Not Designated as Hedging Instrument
Derivatives Fair Value [Line Items]
Outstanding Notional Balance		77,587	15,305
Asset Derivative Fair Value			$ 271
Liability Derivative Fair Value		$ 389
Receive Rate	[2]	4.21%	4.39%
Remaining Term	[3]	7 years 7 months 6 days	9 years 9 months 18 days
Commercial Loan Interest Rate Swaps | Financial Institution Counterparty | Not Designated as Hedging Instrument
Derivatives Fair Value [Line Items]
Outstanding Notional Balance		$ 77,587	$ 15,305
Asset Derivative Fair Value		$ 389
Liability Derivative Fair Value			$ 271
Pay Rate	[2]	4.21%	4.39%
Remaining Term	[3]	7 years 7 months 6 days	9 years 9 months 18 days
[1]	Facility terminated on February 18, 2021 (see disclosure narrative on cash flow hedge above) .
[2]	Weighted average rate.
[3]	Weighted average life (in years).

Goodwill and Core Deposit Int_3

Goodwill and Core Deposit Intangible, Net - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Jan. 01, 2020
Finite-Lived Intangible Assets [Line Items]
Goodwill	$ 18,034,000	$ 18,034,000
Intangible assets	1,292,000	1,454,000
Heritage Bancorp Inc
Finite-Lived Intangible Assets [Line Items]
Goodwill		18,000,000	$ 18,034,000
Core Deposits
Finite-Lived Intangible Assets [Line Items]
Amortization expense	$ 162,000	162,000
Weighted average life	8 years
Core Deposits | Heritage Bancorp Inc
Finite-Lived Intangible Assets [Line Items]
Intangible assets		$ 1,600,000

Goodwill and Core Deposit Int_4

Goodwill and Core Deposit Intangible, Net - Schedule of Amortization of Core Deposit Intangible (Details) - Core Deposits $ in Thousands	Dec. 31, 2021USD ($)
Finite-Lived Intangible Assets [Line Items]
2022	$ 162
2023	162
2024	162
2025	162
2026	162
2027 and thereafter	482
Total	$ 1,292

Business Combinations - Additio

Business Combinations - Additional Information (Details)	Jan. 01, 2020USD ($)Branch	Dec. 31, 2020USD ($)shares
Business Acquisition [Line Items]
Acquisition expense		$ 874,900
Heritage Bancorp Inc
Business Acquisition [Line Items]
Business acquisition, percentage	100.00%
Number of branches in business | Branch	5
Stock issued during period, shares | shares		2,362,555
Cash paid for acquisition of HB	$ 104,000	$ 104,000
Fair value of loans acquired	259,600,000
Contractual balance	$ 263,300,000

Business Combinations - Schedul

Business Combinations - Schedule of Recognized Identified Assets Acquired and Liabilities Assumed (Details) - USD ($)	Jan. 01, 2020	Dec. 31, 2020	Dec. 31, 2021
Assets of acquired bank:
Goodwill		$ 18,034,000	$ 18,034,000
Heritage Bancorp Inc [Member]
Assets of acquired bank:
Cash and cash equivalents	$ 16,215,000
Securities available for sale	3,785,000
Loans	259,606,000
Premises and equipment	7,672,000
Goodwill	18,034,000	18,000,000
Core deposit intangible	1,615,000
Bank owned life insurance	5,001,000
Federal Home Loan Bank stock	1,431,000
Other assets	2,512,000
Total assets acquired	315,871,000
Liabilities of acquired bank:
Deposits	260,155,000
Other liabilities	4,751,000
Total liabilities assumed	264,906,000
Common stock issued @ $21.53 per share	50,861,000
Cash paid	$ 104,000	$ 104,000

Business Combinations - Sched_2

Business Combinations - Schedule of Recognized Identified Assets Acquired and Liabilities Assumed (Parenthetical) (Details)	Jan. 01, 2020$ / shares
Heritage Bancorp Inc [Member]
Business Acquisition [Line Items]
Business combination, share price	$ 21.53

Parent Company Financial Stat_3

Parent Company Financial Statements - Schedule of Condensed Balance Sheets (Details) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets [Abstract]
Cash and cash equivalents	$ 327,025	$ 203,560
Other assets	7,942	5,457
Total assets	2,499,412	1,867,293
LIABILITIES AND SHAREHOLDERS' EQUITY
Other borrowings	1,000
Other liabilities	7,769	6,654
Total liabilities	2,200,405	1,745,575
Commitments and contingencies - ESOP-owned shares	2,300	1,302
Shareholders' equity:
Common stock	13,482	6,350
Additional paid-in capital	249,202	91,462
Retained earnings	36,029	24,605
Accumulated other comprehensive income	1,393	280
Treasury stock: at cost	(1,099)	(979)
Stockholders' equity including ESOP owned shares	299,007	121,718
Less: ESOP-owned shares		1,302
Total shareholders' equity	299,007	120,416
Total liabilities & shareholders' equity	2,499,412	1,867,293
Parent
Assets [Abstract]
Cash and cash equivalents	8,707	5,234
Investment in subsidiary	289,446	149,014
Other assets	1,856	1,498
Total assets	300,009	155,746
LIABILITIES AND SHAREHOLDERS' EQUITY
Other borrowings	1,000	33,875
Other liabilities	2	153
Total liabilities	1,002	34,028
Commitments and contingencies - ESOP-owned shares		1,302
Shareholders' equity:
Common stock	13,432	6,350
Additional paid-in capital	249,252	91,462
Retained earnings	36,029	24,605
Accumulated other comprehensive income	1,393	279
Treasury stock: at cost	(1,099)	(978)
Stockholders' equity including ESOP owned shares	299,007	121,718
Less: ESOP-owned shares		1,302
Total shareholders' equity	299,007	120,416
Total liabilities & shareholders' equity	$ 300,009	$ 155,746

Parent Company Financial Stat_4

Parent Company Financial Statements - Schedule of Condensed Statements of Income and Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest expense:
Total interest expense	$ 2,041	$ 2,397	$ 2,717	$ 2,907	$ 3,182	$ 3,544	$ 3,585	$ 4,049	$ 10,062	$ 14,360	$ 15,974
Noninterest expense:
Legal and professional									5,293	3,962	2,415
Other									1,919	1,845	786
Total noninterest expense	20,087	17,641	17,779	15,518	11,768	11,099	14,659	9,877	71,025	47,403	30,310
Income tax benefit	(133)	(617)	(955)	(1,354)	(948)	(1,099)	(665)	(783)	(3,059)	(3,495)	(852)
Net income	$ 354	$ 2,385	$ 3,589	$ 5,096	$ 2,535	$ 4,133	$ 2,501	$ 2,946	11,424	12,115	2,381
Comprehensive income									12,538	12,394	2,403
Parent
Interest expense:
Interest on notes payable									1,091	1,615	1,436
Total interest expense									1,091	1,615	1,436
Noninterest expense:
Legal and professional									680	1,233	937
Other									23	37	(1)
Total noninterest expense									703	1,270	936
Loss before income tax expense and equity in undistributed earnings of subsidiaries									(1,794)	(2,885)	(2,372)
Income tax benefit									359	384	498
Loss before equity in undistributed earnings in subsidiaries									(1,435)	(2,501)	(1,874)
Equity in undistributed earnings of subsidiaries									12,859	14,616	4,255
Net income									11,424	12,115	2,381
Comprehensive income									$ 12,538	$ 12,394	$ 2,404

Parent Company Financial Stat_5

Parent Company Financial Statements - Schedule of Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income	$ 11,424	$ 12,115	$ 2,381
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Net cash provided by (used in) operating activities	4,584	(3,654)	3,587
Cash flows from investing activities:
Net cash used in investing activities	(500,062)	(500,009)	(121,699)
Cash flows from financing activities:
Repayment of notes payable	(32,875)	(7,500)	(1,500)
Proceeds from stock warrants exercised	19
Proceeds from stock options exercised	995	385	301
Net redemption of treasury stock	(121)	(38)	(527)
Net cash provided by financing activities	618,943	611,158	79,278
Increase in cash and cash equivalents	123,465	107,495	(38,834)
Cash and cash equivalents at beginning of period	203,560	96,065	134,899
Cash and cash equivalents at end of period	327,025	203,560	96,065
Parent
Cash flows from operating activities:
Net income	11,424	12,115	2,381
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed net income of subsidiaries	(12,859)	(14,616)	(4,255)
Net change in other assets	(359)	501	(1,485)
Net change in other liabilities	(150)	(320)	393
Net cash provided by (used in) operating activities	(1,944)	(2,320)	(2,966)
Cash flows from investing activities:
Capital investments in subsidiaries	(125,800)		(2,500)
Net cash used in investing activities	(125,800)		(2,500)
Cash flows from financing activities:
Proceeds from other borrowings		11,000	8,000
Repayment of notes payable	(32,875)	(7,500)	(1,500)
Proceeds from issuance of common stock	163,199	536	444
Proceeds from stock warrants exercised	19
Proceeds from stock options exercised	995	385	301
Net redemption of treasury stock	(121)	(38)	527
Net cash provided by financing activities	131,217	4,383	6,718
Increase in cash and cash equivalents	3,473	2,063	1,252
Cash and cash equivalents at beginning of period	5,234	3,171	1,919
Cash and cash equivalents at end of period	$ 8,707	$ 5,234	$ 3,171

Quarterly Financial Data (UNA_3

Quarterly Financial Data (UNAUDITED) - Summary of Quarterly Financial Information (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Interest income	$ 26,660	$ 24,399	$ 23,931	$ 25,625	$ 22,854	$ 19,242	$ 22,725	$ 17,420	$ 100,615	$ 82,241	$ 49,925
Interest expense	2,041	2,397	2,717	2,907	3,182	3,544	3,585	4,049	10,062	14,360	15,974
Net interest income	24,619	22,002	21,214	22,718	19,672	15,698	19,140	13,371	90,553	67,881	33,951
Provision for loan losses	6,100	2,323		1,500	5,000		2,000	550	9,923	7,550	1,625
Net interest income after provision for loan losses	18,519	19,679	21,214	21,218	14,672	15,698	17,140	12,821	80,630	60,331	32,326
Noninterest income	2,055	964	1,109	750	579	633	685	785	4,878	2,682	1,217
Noninterest expense	20,087	17,641	17,779	15,518	11,768	11,099	14,659	9,877	71,025	47,403	30,310
Net income before income tax expense	487	3,002	4,544	6,450	3,483	5,232	3,166	3,729	14,483	15,610	3,233
Income tax expense	133	617	955	1,354	948	1,099	665	783	3,059	3,495	852
Net income	$ 354	$ 2,385	$ 3,589	$ 5,096	$ 2,535	$ 4,133	$ 2,501	$ 2,946	$ 11,424	$ 12,115	$ 2,381