Third Coast Bancshares (TCBX) 10-Q 5 May 22 2022 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2022	Apr. 29, 2022
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2022
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1
Entity Registrant Name	THIRD COAST BANCSHARES, INC.
Entity Central Index Key	0001781730
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	true
Entity Ex Transition Period	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 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 Quarterly Report	true
Document Transition Report	false
Entity Common Stock, Shares Outstanding		13,457,143

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Mar. 31, 2022	Dec. 31, 2021
Cash and cash equivalents:
Cash and due from banks	$ 369,782,000	$ 326,733,000
Federal funds sold	1,538,000	292,000
Total cash and cash equivalents	371,320,000	327,025,000
Interest bearing time deposits in other banks	132,000	131,000
Investment securities available for sale	126,218,000	26,432,000
Loans, net of allowance for loan loss of $23,312 and $19,295 at March 31, 2022 and December 31, 2021, respectively	2,424,633,000	2,049,429,000
Accrued interest receivable	12,648,000	10,228,000
Premises and equipment, net	20,846,000	19,045,000
Other real estate owned	1,666,000	1,676,000
Bank-owned life insurance	26,671,000	26,528,000
Non-marketable equity securities, at cost	11,327,000	7,527,000
Deferred tax asset, net	4,258,000	4,123,000
Core Deposit Intangible, net	1,252,000	1,292,000
Goodwill	18,034,000	18,034,000
Other assets	21,383,000	7,942,000
Total assets	3,040,388,000	2,499,412,000
Deposits:
Noninterest bearing	931,622,000	531,401,000
Interest bearing	1,655,547,000	1,609,798,000
Total deposits	2,587,169,000	2,141,199,000
Accrued interest payable	387,000	437,000
Other liabilities	20,122,000	7,769,000
FHLB advances	50,000,000	50,000,000
Line of credit - Senior Debt	1,000,000	1,000,000
Note payable - Subordinated Debt, net	80,507,000
Total liabilities	2,739,185,000	2,200,405,000
Shareholders' equity:
Common stock, $1 par value; 50,000,000 shares authorized; 13,524,244 and 13,481,786 issued; and 13,445,782 and 13,403,324 outstanding at March 31, 2022 and December 31, 2021, respectively	13,524,000	13,482,000
Additional paid-in capital	249,775,000	249,202,000
Retained earnings	38,116,000	36,029,000
Accumulated other comprehensive income	887,000	1,393,000
Treasury stock: at cost; 78,462 shares at March 31, 2022 and December 31, 2021	(1,099,000)	(1,099,000)
Total shareholders' equity	301,203,000	299,007,000
Total liabilities & shareholders' equity	$ 3,040,388,000	$ 2,499,412,000

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Statement of Financial Position [Abstract]
Loans, net of allowance for loan loss	$ 23,312	$ 19,295
Common stock, par value	$ 1	$ 1
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares issued	13,524,244	13,481,786
Common stock, shares outstanding	13,445,782	13,403,324
Treasury stock, shares	78,462	78,462

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest income:
Loans, including fees	$ 26,682,000	$ 25,198,000
Investment securities available-for-sale	276,000	252,000
Federal funds sold and deposits in other banks	226,000	175,000
Total interest income	27,184,000	25,625,000
Interest expense:
Deposit accounts	1,844,000	2,377,000
FHLB advances and notes payable	130,000	530,000
Total interest expense	1,974,000	2,907,000
Net interest income	25,210,000	22,718,000
Provision for loan losses	4,000,000	1,500,000
Net interest income after provision for loan losses	21,210,000	21,218,000
Noninterest income:
Services charges and fees	619,000	472,000
Other	1,047,000	278,000
Total noninterest income	1,666,000	750,000
Noninterest expense:
Salaries and employee benefits	13,324,000	9,963,000
Data processing and network expense	922,000	610,000
Occupancy and equipment expense	1,873,000	1,196,000
Legal and professional	1,746,000	1,115,000
Loan operations and other real estate owned expense	278,000	1,023,000
Advertising and marketing expenses	427,000	404,000
Telephone and communications	100,000	193,000
Software purchases and maintenance	198,000	151,000
Regulatory assessments	645,000	49,000
Loss on sale of other real estate owned		375,000
Other	668,000	439,000
Total noninterest expense	20,181,000	15,518,000
Net income before income tax expense	2,695,000	6,450,000
Income tax expense	608,000	1,354,000
Net income	$ 2,087,000	$ 5,096,000
Earnings per common share:
Basic earnings per share	$ 0.16	$ 0.81
Diluted earnings per share	$ 0.15	$ 0.80

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Statement of Other Comprehensive Income [Abstract]
Net Income	$ 2,087	$ 5,096
Other comprehensive income:
Unrealized holding loss arising during the period	(590)	(63)
Income tax benefit	124	13
Other comprehensive loss on securities	(466)	(50)
Unrealized gain (loss) on derivatives:
Unrealized holding loss arising during the period		(216)
Unrealized gain on termination fee from derivatives		945
Reclassification adjustment for accretion recorded in interest expense during the period	(51)	(18)
Income tax benefit (expense)	11	(149)
Other comprehensive (loss) income on derivatives	(40)	562
Total other comprehensive (loss) income	(506)	512
Total comprehensive income	$ 1,581	$ 5,608

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Total	Common Stock	Additional Paid in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Less: ESOP-Owned Shares
Balance at Dec. 31, 2020	$ 120,416	$ 6,350	$ 91,462	$ 24,605	$ 279	$ (978)	$ (1,302)
Ne income	5,096			5,096
Share-based compensation	69		69
Stock options exercised	616	42	574
Issuance of common stock to ESOP		10	149				(159)
Net change in fair value of ESOP shares	(317)						(317)
Other comprehensive income (loss), net of tax	512				512
Balance at Mar. 31, 2021	126,392	6,402	92,254	29,701	791	(978)	$ (1,778)
Balance at Dec. 31, 2021	299,007	13,482	249,202	36,029	1,393	(1,099)
Ne income	2,087			2,087
Share-based compensation	279		279
Stock options exercised	54	3	51
Issuance of common stock to ESOP	282	11	271
Restricted stock grants		28	(28)
Other comprehensive income (loss), net of tax	(506)				(506)
Balance at Mar. 31, 2022	$ 301,203	$ 13,524	$ 249,775	$ 38,116	$ 887	$ (1,099)

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash flows from operating activities:
Net income	$ 2,087	$ 5,096
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	4,000	1,500
Share based compensation expense	279	69
Loss on sale of other real estate owned		375
Amortization of premium on securities, net	8	13
Accretion of fees on derivative instruments	(51)	(23)
Accretion of SBA Paycheck Protection Program fees	(1,350)	(7,633)
Depreciation, amortization and accretion	(388)	77
Earnings on bank-owned life insurance	(144)	(128)
Changes in operating assets and liabilities:
Proceeds from sale of loans held for sale		2,345
Accrued interest receivable and other assets	(15,862)	180
Accrued interest payable and other liabilities	12,303	712
Net cash provided by operating activities	882	2,583
Cash flows from investing activities:
Net increase in interest bearing deposits in other banks		(2)
Increase in non-marketable equity securities	(3,800)	(18)
Investment securities available-for-sale activity:
Purchases	(101,082)
Maturities, calls and principal paydowns	698	840
Termination fee proceeds from derivative instruments		945
Net originations on loans held for investment	(376,993)	(129,034)
Net additions to bank premises and equipment	(2,324)	(399)
Deposit proceeds from pending sales of foreclosed assets	10
Proceeds from sales of foreclosed assets		520
Net cash used in investing activities	(483,491)	(127,148)
Cash flows from financing activities:
Net increase in deposits	446,060	179,453
Net repayment of FHLB Advances		(20,000)
Proceeds from subordinated debt offering	80,507
Repayment of notes payable		(375)
Proceeds from stock options exercised	55	616
Net cash provided by financing activities	526,904	159,853
Increase in cash and cash equivalents	44,295	35,288
Cash and cash equivalents at beginning of period	327,025	203,560
Cash and cash equivalents at end of period	371,320	238,848
Supplemental Disclosures of Cash Flow Information:
Cash paid for interest	2,023	3,226
Cash paid for income taxes		2,000
Supplemental Disclosure of Noncash Investing and Financing Activities:
Initial recognition of lease liability	10,890
Net increase in fair value of ESOP-owned shares		(317)
ESOP Contributions
Cash flows from financing activities:
Proceeds from issuance of common stock	$ 282	$ 159

Nature of Operations and Summar

Nature of Operations and Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2022
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 13 branch offices located in the North, Central and Southeast regions of Texas. Branch locations include: Humble, Beaumont, Port Arthur, Houston, Conroe, Pearland, Lake Jackson, Dallas, Fort Worth, 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, 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 unaudited consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information, reporting practices prescribed by the banking industry, and pursuant to the rules and regulations of the Securities and Exchange Commission (the “SEC”). Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements and should be read in conjunction with the Company's annual consolidated financial statements for the years ended December 31, 2021 and 2020 included in the Company's Annual Report on Form 10-K filed with the SEC on March 17, 2022. The December 31, 2021 consolidated balance sheet has been derived from the audited financial statements for the year ended December 31, 2021. 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. Operating results for the three months ended March 31, 2022 are not necessarily indicative of results that may be expected for the full year ending December 31, 2022. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. Actual results could differ significantly from those estimates. The accompanying unaudited consolidated financial statements include the accounts of Bancshares, the Bank, and TCCC. All significant intercompany transactions and balances have been eliminated in consolidation. The Company has evaluated subsequent events for potential recognition and/or disclosure through the date the consolidated financial statements were issued. 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 consist 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 (loss), 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 on loans is recognized using the effective interest method and includes amortization of deferred loan origination fees and costs over the life of the loans. 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 March 31, 2022 and December 31, 2021, the Company had no 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 March 31, 2022 and December 31, 2021, the Company was servicing loans previously sold of approximately $ 3.7 mil lion and $ 3.8 million, respectively. The related servicing assets receivable were not material to the consolidated financial statements at March 31, 2022 and December 31, 2021. 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. Operating Leases The Company leases certain office space and stand-alone buildings which are recognized as operating lease right-of-use assets and operating lease liabilities in the consolidated balance sheets. Lease liabilities represent the Company's liability to make lease payments under these leases on a discounted basis and are amortized on a straight-line basis over the lease term for each related lease agreement. Right-of-use assets represent the Company's right to use, or control the use of, leased assets for their lease term and are amortized over the lease term of the related lease agreement. See further discussion of Accounting Standards Update, or ASU 2016-02, Leases (Topic 842) below. The Company does not recognize short-term operating leases on the consolidated balance sheets. A short-term lease has a term of 12 months or less and does not have a purchase option that is likely to be exercised. 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. 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. Advertising and marketing expenses we re $ 427,000 and $ 404,000 for the three months ended March 31, 2022 and 2021, 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 Adopted Accounting Standards The Company adopted ASU 2016-02 - “Leases” (Topic 842) on January 1, 2022 using the effective date as the date of initial adoption. The Company elected to apply certain practical expedients for transition, and under those expedients the Company did not reassess prior accounting decisions regarding the identification, classification and initial direct costs leases existing at the effective date. The Company also elected to use hindsight in determining the lease term when considering options to extend the lease and excluded short-term leases (defined as lease terms of 12 months or less). The Company elected to separate non-lease components from lease components in its application of ASU 2016-02. At adoption, the Company recorded right-of-use assets totaling $ 11.0 million, which represented the Company's right to use, or control the use of, specified assets for their lease terms, and the Company recorded lease liabilities totaling $ 10.9 million, which represented the Company's liability to make lease payments under these leases. The ASU 2016-02 standard applied to all leases existing at the date of initial adoption. The Company's financial statements and related footnotes were not updated for ASU 2016-02 for dates and periods before the date of adoption. See Note 9 – Leases. 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 is in the process of evaluating the potential effects of adopting ASU 2016-13 on the Company’s consolidated results of operations, financial position, or cash flows.

Investment Securities Available

Investment Securities Available for Sale	3 Months Ended
	Mar. 31, 2022
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. T he carrying amount of securities and their approximate fair values as of March 31, 2022 and December 31, 2021 are as follows: March 31, 2022 (Dollars in thousands) Amortized Gross Gross Estimated Securities available-for-sale: State and municipal securities $ 425 $ — $ 1 $ 424 Mortgage-backed securities 753 12 4 761 U.S. Treasury bonds 101,080 2 — 101,082 Corporate bonds 23,551 477 77 23,951 $ 125,809 $ 491 $ 82 $ 126,218 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 $ 999 $ 1 $ 26,432 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 March 31,2022, by contractual maturity, are shown below. March 31, 2022 Securities Available for Sale (Dollars in thousands) Amortized Estimated Due in one year or less $ — $ — Due from one year to five years 101,505 101,506 Due from five to ten years 23,551 23,951 125,056 125,457 Mortgage-backed securities 753 761 $ 125,809 $ 126,218 The following table summarizes securities with unrealized losses at March 31, 2022 and December 31, 2021, aggregated by major security type and length of time in a continuous unrealized loss position: March 31, 2022 (Dollars in thousands) Less Than 12 Greater Than 12 Total Estimated Securities available-for-sale: State and municipal securities $ 1 $ — $ 1 $ 424 Mortgage-backed securities 4 — 4 161 Corporate bonds 77 — 77 5,439 $ 82 $ — $ 82 $ 6,024 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 There were five investments in an unrealized loss position at March 31, 2022, and two investments in an unrealized loss position at December 31, 2021. 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 March 31, 2022 and December 31, 2021.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	3 Months Ended
	Mar. 31, 2022
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: March 31, December 31, (Dollars in thousands) 2022 2021 Real estate loans: Non-farm non-residential owner occupied $ 477,573 $ 383,941 Non-farm non-residential non-owner occupied 463,618 445,308 Residential 225,649 213,264 Construction, development & other 414,653 320,335 Farmland 13,467 9,934 Commercial & industrial 756,005 611,348 Consumer 3,304 4,001 Other 93,676 80,593 2,447,945 2,068,724 Allowance for loan losses ( 23,312 ) ( 19,295 ) Loans, net $ 2,424,633 $ 2,049,429 Total loans are presented net of unaccreted discounts and deferred fees totaling $ 7.1 million and $ 6.5 million at March 31, 2022 and December 31, 2021, respectively. The Company h ad $ 26.7 million and $ 81.6 million in outstanding loan balances related to the guaranteed SBA Paycheck Protection Program (“PPP”) as of March 31, 2022 and December 31, 2021, 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: March 31, December 31, 2022 2021 (Dollars in thousands) Non-accrual Accruing loans Non-accrual Accruing loans Real estate loans: Non-farm non-residential owner occupied $ 986 $ — $ 1,008 $ - Non-farm non-residential non-owner occupied 334 — 346 — Residential 121 — 127 — Construction, development & other 238 — 244 — Farmland — — — — Commercial & industrial 8,210 40 8,297 278 Consumer — — — — Other — — — — Purchased credit impaired 7 — 8 — $ 9,896 $ 40 $ 10,030 $ 278 As of March 31, 2022 and 2021, the amount of income that would have been accrued for loans on non-accrual was approximately $ 482,000 and $ 517,000 , respect ively. An age analysis of past due loans, segregated by class of loans, were as follows: March 31, 2022 (Dollars in thousands) 30-59 60-89 Over 90 Total Total Total Real estate loans: Non-farm non-residential $ 451 $ 379 $ 986 $ 1,816 $ 475,757 $ 477,573 Non-farm non-residential 1,933 150 334 2,417 460,470 462,887 Residential 1,438 — 121 1,559 224,090 225,649 Construction, 401 — 238 639 409,919 410,558 Farmland — — — — 13,467 13,467 Commercial & industrial 542 496 8,250 9,288 746,655 755,943 Consumer 44 — — 44 3,260 3,304 Other 151 — — 151 93,525 93,676 Purchased credit impaired — — 7 7 4,881 4,888 $ 4,960 $ 1,025 $ 9,936 $ 15,921 $ 2,432,024 $ 2,447,945 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 Impaired Loans The following tables present impaired loans by class of loans: March 31, 2022 (Dollars in thousands) Unpaid Recorded Recorded Total Related Average Real estate loans: Non-farm non-residential $ 986 $ 986 $ — $ 986 $ — $ 997 Non-farm non-residential 5,603 5,595 — 5,595 — 5,613 Residential 124 121 — 121 — 124 Construction, 235 238 — 238 — 241 Farmland — — — — — — Commercial & industrial 9,000 7,522 1,483 9,005 297 9,045 Consumer — — — — — — Other — — — — — — Purchased credit impaired 62 — 61 61 15 63 $ 16,010 $ 14,462 $ 1,544 $ 16,006 $ 312 $ 16,083 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 I nterest 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 approximate ly $ 120,000 and $ 39,000 for the three months ended March 31, 2022 and 2021, respectively. Troubled Debt Restructuring During the three months ended March 31, 2022, the terms o f one loan were modified as a troubled debt restructuring (“TDR”). The terms of three loans were modified as TDRs prior to December 31, 2021. The following table presents modifications of loans the Company considers to be TDR loans: March 31, 2022 Loan modifications (Dollars in thousands) Number Pre- Post- Adjusted Payment Combined Real estate loans: Non-farm non-residential 3 $ 865 $ 865 $ — $ 865 $ — Non-farm non-residential — — — — — — Residential — — — — — — Construction, — — — — — — Farmland — — — — — — Commercial & industrial 1 790 790 — 790 — Consumer — — — — — — Other — — — — — — 4 $ 1,655 $ 1,655 $ — $ 1,655 $ — December 31, 2021 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 $ — No loans modified under a TDR during the previous twelve-month period were in default. 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 March 31, 2022 and December 31, 2021, the Company had no commitments to lend additional funds to borrowers with loans whose terms had been modified under TDRs. 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 March 31, 2022 and December 31, 2021, the Company had approximately 400 and 500 loans totaling $ 211.7 million and $ 223.6 million, respectively, in outstanding loan balances subject to deferral and modification agreements due to COVID-19 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 provides banks an option to elect to not account for certain loan modifications related to COVID-19 as TDRs 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 TDRs, nor are loans granted payment deferrals related to COVID-19 reported as past due or placed on non-accrual status. At March 31, 2022 and December 31, 2021, $ 4.3 million and $ 4.4 million, respectively, in accrued interest receivables related to these loans remained outstanding and will be collected at the end of each 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: March 31, 2022 (Dollars in thousands) Pass Special Substandard Purchased Doubtful Total Real estate loans: Non-farm non-residential $ 466,035 $ 4,695 $ 6,843 $ — $ — $ 477,573 Non-farm non-residential 454,476 — 8,411 731 — 463,618 Residential 224,593 — 1,056 — — 225,649 Construction, 410,319 — 238 4,096 — 414,653 Farmland 13,467 — — — — 13,467 Commercial & industrial 751,356 — 4,588 61 — 756,005 Consumer 3,283 21 — — — 3,304 Other 93,676 — — — 93,676 $ 2,417,205 $ 4,716 $ 21,136 $ 4,888 $ — $ 2,447,945 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 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 March 31, 2022 and December 31, 2021. The following tables detail the activity in the allowance for loan losses by portfolio segment: For the Three Months Ended March 31, 2022 (Dollars in thousands) Beginning Provision for Charge-offs Recoveries Ending Real estate loans: Non-farm non-residential $ 3,456 $ 631 $ — $ — $ 4,087 Non-farm non-residential 5,935 ( 322 ) — — 5,613 Residential 957 ( 191 ) — — 766 Construction, development & other 2,064 260 — — 2,324 Farmland 45 ( 1 ) — — 44 Commercial & industrial 6,500 3,669 — 4 10,173 Consumer 6 ( 14 ) — 13 5 Other 332 ( 32 ) — — 300 $ 19,295 $ 4,000 $ — $ 17 $ 23,312 For the Three Months Ended March 31, 2021 (Dollars in thousands) Beginning Provision for Charge-offs Recoveries Ending Real estate loans: Non-farm non-residential $ 2,608 $ 1,544 $ — $ — $ 4,152 Non-farm non-residential 3,107 1,025 — — 4,132 Residential 1,218 ( 280 ) — — 938 Construction, development & other 932 ( 230 ) — — 702 Farmland 32 — — — 32 Commercial & industrial 3,858 ( 538 ) — 3 3,323 Consumer 35 ( 23 ) — — 12 Other 189 2 ( 13 ) 2 180 $ 11,979 $ 1,500 $ ( 13 ) $ 5 $ 13,471 The following tables summarize the allocation of the allowance for loan losses, by portfolio segment, for loans evaluated for impairment individually and collectively: March 31, 2022 Period end amounts of ALLL (Dollars in thousands) Individually Collectively PCI Total Real estate loans: Non-farm non-residential owner occupied $ — $ 4,087 $ — $ 4,087 Non-farm non-residential non-owner occupied — 5,613 — 5,613 Residential — 766 — 766 Construction, development & other — 2,324 — 2,324 Farmland — 44 — 44 Commercial & industrial 297 9,861 15 10,173 Consumer — 5 — 5 Other — 300 — 300 $ 297 $ 23,000 $ 15 $ 23,312 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 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: March 31, 2022 Loans evaluated for (Dollars in thousands) Individually Collectively PCI Total Real estate loans: Non-farm non-residential owner occupied $ 986 $ 476,587 $ — $ 477,573 Non-farm non-residential non-owner occupied 5,595 458,023 — 463,618 Residential 121 225,528 — 225,649 Construction, development & other 238 414,415 — 414,653 Farmland — 13,467 — 13,467 Commercial & industrial 9,005 746,939 61 756,005 Consumer — 3,304 — 3,304 Other — 93,676 — 93,676 $ 15,945 $ 2,431,939 $ 61 $ 2,447,945 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 8,298 602,985 65 611,348 Consumer — 4,001 — 4,001 Other — 80,593 — 80,593 $ 15,307 $ 2,053,352 $ 65 $ 2,068,724 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. On January 1, 2020, 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: 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: March 31, December 31, (Dollars in thousands) 2022 2021 Real estate loans: Non-farm non-residential owner occupied $ — $ — Non-farm non-residential non-owner occupied 794 820 Residential 88 181 Construction, development & other 5,141 5,169 Farmland — — Commercial & industrial 63 66 Consumer — — Other — — Total outstanding balances $ 6,086 $ 6,236 Carrying amount $ 4,888 $ 4,984 The accretable discount is accreted into income using the interest method over the life of the loans. At March 31, 2022 and December 31, 2021, unaccreted discounts on PCI loans totaled $ 881,000 and $ 926,000 , respectively, and were included in net loans in the accompanying consolidated balance sheets. At March 31, 2022 and December 31, 2021, the allowance for loan losses related to the PCI loans disclosed above was $ 16,000 and $ 17,000 , 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 at acquisition 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 at acquisition and the cash flows expected to be collected at acquisition reflects the impact of estimated credit losses and is called the nonaccretable difference. In accordance with GAAP, there was no carry-over of previously established allowance for credit losses from the acquired loans. Accretable yield, or income expected to be collected on PCI loans was as follows: March 31, December 31, (Dollars in thousands) 2022 2021 Balance at beginning of year $ 926 $ 2,261 Accretion of income ( 45 ) ( 1,335 ) Balance at end of period $ 881 $ 926

Premises and Equipment

Premises and Equipment	3 Months Ended
	Mar. 31, 2022
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 March 31, December 31, (Dollars in thousands) Useful Life 2022 2021 Building and building improvements 30 years or 3 - 10 years $ 12,172 $ 12,156 Land 3,894 3,894 Equipment 3 - 5 years 4,638 4,308 Leasehold improvements 3 - 10 years 2,935 2,888 Furniture and fixtures 3 - 5 years 2,803 2,541 Construction in process 2,843 1,174 29,285 26,961 Accumulated depreciation ( 8,439 ) ( 7,916 ) $ 20,846 $ 19,045 Depreciation expense for the three months ended March 31, 2022 and 2021 amounted to $ 522,000 and $ 401,000 , respectively. Depreciation expense is included in occupancy and equipment expense in the accompanying consolidated statements of income.

Deposits

Deposits	3 Months Ended
	Mar. 31, 2022
Deposits Liabilities, Balance Sheet, Reported Amounts [Abstract]
Deposit	5. Deposits Deposits in the accompanying consolidated balance sheets consisted of the following: March 31, December 31, (Dollars in thousands) 2022 2021 Transaction accounts: Noninterest bearing demand accounts $ 931,622 $ 531,401 Interest bearing demand accounts 1,350,837 1,298,546 Savings 34,825 33,539 Total transaction accounts 2,317,284 1,863,486 Time deposits 269,885 277,713 Total deposits $ 2,587,169 $ 2,141,199 The aggregate amount of time deposits in denominations of $250,000 or more tot aled $ 118.6 mi llion and $ 113.2 million as of March 31, 2022 and December 31, 2021, respectively. Scheduled maturities of time deposits at March 31, 2022 are as follows: 2022 (nine months remaining) $ 212,906 2023 50,703 2024 2,811 2025 1,476 2026 1,675 2027 and thereafter 314 $ 269,885 At March 31, 2022 and December 31, 2021, the aggregate amount of demand deposit overdrafts that were reclassified as loans was $ 40,000 and $ 28,000 , respectively. Deposits received from related parties at March 31, 2022 and December 31, 2021, totaled approximately $ 16.7 million and $ 19.0 million, respectively.

Income Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2022
Income Tax Disclosure [Abstract]
Income Taxes	6. Income Taxes During the three months ended March 31, 2022 and 2021, the Company recorded income tax provision expense of $ 608,000 and $ 1,354,000 , reflecting an effective tax rate of 22.6 % and 21.0 %, res pectively. 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	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022, the outstanding balance w as $ 1.0 mill ion. Subordinated Debt - Related Party During August 2021, the Company paid off a $ 2,000,000 promissory note scheduled to mature on September 27, 2022 and an $ 11,000,000 promissory note scheduled to mature on July 29, 2022 . Each note bore interest at a fixed rate of 6.00 %. Quarterly interest payments for the $ 2,000,000 note were due on the 27th day of March, June, September and December. Quarterly interest payments for the $ 11,000,000 note were due on the 29th day of March, June, September and December. The notes were subordinate and junior in rights to the senior indebtedness described above. Subordinated Notes Offering O n March 31, 2022, the Company entered into Subordinated Note Purchase Agreements (the “Note Purchase Agreements”) with certain qualified institutional buyers and institutional accredited investors (the “Purchasers”) pursuant to which the Company issued and sold $ 82,250,000 in aggregate principal amount of its 5.500 % Fixed-to-Floating Rate Subordinated Notes due 2032 (the “Notes”) in a private placement transaction in reliance on exemptions from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”), pursuant to Section 4(a)(2) of the Securities Act and Regulation D thereunder. The Notes were issued by the Company to the Purchasers at a price equal to 100 % of their face amount. The Note Purchase Agreements contain certain customary representations, warranties and covenants made by the Company, on the one hand, and the Purchasers, severally and not jointly, on the other hand. The Notes are intended to qualify as Tier 2 capital for regulatory capital purposes, and the Company intends to use the net proceeds from the offering for general corporate purposes. The Notes were issued under an Indenture, dated as of March 31, 2022 (the “Indenture”), by and between the Company and UMB Bank, N.A., as trustee. The Notes will mature on April 1, 2032 . From and including March 31, 2022, to, but excluding, April 1, 2027 or the date of early redemption, the Company will pay interest on the Notes semi-annually in arrears on April 1 and October 1 of each year, commencing on October 1, 2022 , at a fixed interest rate of 5.500 % per annum. From and including April 1, 2027, to, but excluding, the maturity date or the date of early redemption (the “Floating Rate Period”), the Company will pay interest on the Notes at a floating interest rate. The floating interest rate will be reset quarterly, and the interest rate for any Floating Rate Period shall be equal to the then-current Three-Month Term SOFR (as defined in the Indenture) plus 315 basis points for each quarterly interest period during the Floating Rate Period. Interest payable on the Notes during the Floating Rate Period will be paid quarterly in arrears On March 31, 2022, in connection with the issuance and sale of the Notes, the Company entered into Registration Rights Agreements (the “Registration Rights Agreements”) with the Purchasers. Under the terms of the Registration Rights Agreements, the Company has agreed to take certain actions to provide for the exchange of the Notes for subordinated notes that are registered under the Securities Act and have substantially the same terms as the Notes. Under certain circumstances, if the Company fails to meet its obligations under the Registration Rights Agreements, it would be required to pay additional interest to the holders of the Notes. The Company may, at its option, redeem the Notes (i) in whole or in part beginning with the interest payment date on April 1, 2027 , and on any interest payment date thereafter, or (ii) in whole, but not in part, upon the occurrence of a “Tier 2 Capital Event,” a “Tax Event,” or “Investment Company Event” (each as defined in the Indenture). The redemption price for any redemption is 100 % of the principal amount of the Notes, plus accrued and unpaid interest thereon to, but excluding, the date of redemption. Any redemption of the Notes will be subject to the receipt of the approval of the Board of Governors of the Federal Reserve System (the “Federal Reserve”) to the extent then required under applicable laws or regulations, including capital adequacy rules or regulations. There is no right of acceleration of maturity of the Notes in the case of default in the payment of principal of, or interest on, the Notes or in the performance of any other obligation of the Company under the Notes or the Indenture. The Indenture provides that holders of the Notes may accelerate payment of indebtedness only upon the Company’s bankruptcy, insolvency, reorganization, receivership or other similar proceedings. The Notes are general unsecured, subordinated obligations of the Company and rank junior to all of its existing and future Senior Indebtedness (as defined in the Indenture), including all of its general creditors. The Notes will be equal in right of payment with any of the Company’s existing and future subordinated indebtedness, and will be senior to the Company’s obligations relating to any junior subordinated debt securities. In addition, the Notes are effectively subordinated to all secured indebtedness of the Company, including without limitation, the Bank’s liabilities to depositors in connection with deposits in the Bank, to the extent of the value of the collateral securing such indebtedness. In connection with the above offering, the Company incurred approximately $ 1,743,000 in debt issuance costs which will be amortized to interest expense on a straight-line basis over the ten-year life of the note. As of March 31, 2022, the Company had $ 80,507,000 in outstanding principal, net of $ 1,743,000 in unamortized debt issuance costs. FHLB Borrowings At March 31, 2022, FHLB advances represen ted $ 12,000,000 in FHLB Owns the Option (“FOTO”) borrowings with a floating rate of 1.100 % maturing on June 19, 2029 ; $ 18,000,000 in FOTO borrowings with a floating rate of 1.020 % maturing on August 2, 2029 ; and $ 20,000,000 in FOTO borrowings with a floating rate of 0.570 % maturing on February 26, 2035 . The FOTO borrowings have quarterly call options that began 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, real estate loans and investment securities. The approximate amount of loans and investment securities that collateralize borrowings at March 31, 2022 and December 31, 2021 was $ 760.8 m illion and $ 601.0 million, respectively. At March 31, 2022, letters of credit with FHLB for $ 97.5 million were outstanding with expirations ranging from A pril 2022 through March 2023 . Contractual maturities of FHLB advances and other borrowings at March 31, 2022 were as follows: (Dollars in thousands) FHLB Other 2022 (nine months remaining) $ — $ 1,000 2023 — — 2024 — — 2025 — — 2026 — — 2027 and thereafter 50,000 80,507 $ 50,000 $ 81,507 At March 31, 2022 and December 31, 2021, 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 $ 50.5 million in federal funds, respectively. The Company had no advances outstanding under these lines at March 31, 2022 and December 31, 2021.

Stock Options and Warrants

Stock Options and Warrants	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022, 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 2019 Plan such that the maximum number of shares reserved for issuance under the 2019 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 March 31, 2022, there were 187,891 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 five 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 March 31, 2022, 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 March 31, 2022, there were no shares remaining available for grant for future awards. Stock Options During the three months ended March 31, 2022, the Company granted stock options to certain directors, executive officers and other key employees of the Company. These stock options vest ratably over five years and have a 10-year contractual term. Options granted during the three months ended March 31, 2022 and for the year ended December 31, 2021 were granted with an exercise p rice ranging from $ 16.30 to $ 25.76 . 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 in the three months ended March 31, 2 022: risk-free interest rate ranging from 1.45 % to 1.76 %, dividend yield of 0.00 %; estimated volatility of 10.00 %, and expected lives of options of 7.5 years. The f ollowing assumptions were used for options granted in the three months ended March 31, 2021: risk-free interest rate ranging from 0.70 % to 1.42 %, 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 three months ended March 31, 2022 and 2021, the Company recognized stock-based compensation expense of $ 118,000 and $ 69,000 , r espectively, associated with stock options. As of March 31, 2022, there was approximate ly $ 2.1 million of u nrecognized compensation costs related to non-vested stock options that is expected to be recognized over the remaining vesting periods. Forfeitures are recognized as they occur. A summary of stock option activity for the three months ended March 31, 2022 and year ended December 31, 2021 is presented below: March 31, December 31, 2022 2021 (Dollars in thousands, except share and per share data) Shares Weighted Shares Weighted Outstanding at beginning of period 1,220,428 $ 17.83 660,251 $ 14.37 Granted during the period 22,500 22.38 788,250 20.22 Forfeited during the period ( 37,500 ) 24.00 ( 144,903 ) 17.55 Exercised during the period ( 3,500 ) 15.65 ( 83,170 ) 13.48 Outstanding at the end of period 1,201,928 $ 17.73 1,220,428 $ 17.83 Options exercisable at end of period 452,738 $ 14.12 361,758 $ 13.59 Weighted-average grant date fair value of options granted $ 6.75 $ 3.15 A summary of weighted average remaining life is presented below: (Dollars in thousands, except share and March 31, 2022 December 31, 2021 Exercise Price Options Outstanding Weighted Average Remaining Life (years) Options Exercisable Options Outstanding Weighted Average Remaining Life (years) Options Exercisable $ 10.00 - $ 12.99 164,223 2.82 161,723 162,223 5.15 162,223 $ 13.00 - $ 16.99 493,955 7.23 291,015 496,955 7.48 199,535 $ 17.00 - $ 26.99 543,750 9.26 — 561,250 9.52 — 1,201,928 7.55 452,738 1,220,428 8.11 361,758 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 $ 6.6 million a nd $ 4.1 million, respectively, at March 31, 2022. 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 intrinsic value of stock options exercised during the three months ended March 31, 2022 and 2021 w as $ 24,000 and $ 80,000 , respectively. A summary of the activity in the Company’s nonvested shares is as follows: March 31, December 31, 2022 2021 (Dollars in thousands, except share and per share data) Shares Weighted Average Grant Date Fair Value Shares Weighted Average Grant Date Fair Value Nonvested at January 1, 858,670 $ 3.15 262,670 $ 3.04 Granted during the period 22,500 6.75 788,250 3.15 Vested during the period ( 93,880 ) 2.81 ( 72,500 ) 3.17 Forfeited during the period ( 38,100 ) 3.76 ( 119,750 ) 2.88 Nonvested at end of period 749,190 $ 3.27 858,670 $ 3.15 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: March 31, December 31, 2022 2021 (Dollars in thousands, except share and per share data) Shares Weighted- Shares Weighted- Outstanding at beginning of period 4,285 $ 11.00 6,000 $ 11.00 Granted — — — — Exercised — — ( 1,715 ) 11.00 Expired or forfeited — — — — Outstanding at end of period 4,285 $ 11.00 4,285 $ 11.00 Exercisable at end of period 4,285 $ 11.00 4,285 $ 11.00 The weighted average remaining contractual life of stock warrants outstanding at March 31, 2022 wa s 1.25 y ears. The warrants are exercisable over a ten-year period that expires on July 1, 2023 . Restricted Stock Awards The Company granted restricted stock awards (“RSAs”) to certain executive officers and employees of the Company during the three months ended March 31, 2022 and to certain directors and executive officers of the Company during the year ended December 31, 2021. 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 three months ended March 31, 2022 and the year ended December 31, 2021 is presented below: March 31, December 31, 2022 2021 (Dollars in thousands, except share and per share data) Shares Weighted Shares Weighted Nonvested at beginning of period 49,750 $ 24.00 — $ — Granted during the period 28,132 24.70 49,750 24.00 Vested during the period — — — — Forfeited during the period — — — — Nonvested at the end of period 77,882 $ 24.25 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 Company recognized stock-based compensation expense associated with RSAs of approximatel y $ 161,000 a nd zero during the three months ended March 31, 2022 and 2021, respectively. As of March 31, 2022, there wa s $ 1.6 m illion of total unrecognized compensation expense cost related to nonvested RSAs. The cost is expected to be recognized over a remaining weighted average period of 9.65 years .

Leases

Leases	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Leases	9. Leases Operating Leases The Company leases certain office space and stand-alone buildings which are recognized as operating lease right-of-use (“ROU”) assets and operating lease liabilities in the consolidated balance sheets. Lease liabilities represent the Company's liability to make lease payments under these leases, on a discounted basis. For leases with renewal options available, the Company evaluates each lease to determine if exercise of the renewal option is reasonably certain. As of March 31, 2022, the Company's operating lease ROU asset and operating lease liability totaled $ 10.7 million and $ 10.6 million, respectively. In order to calculate its ROU assets and lease liabilities, ASC Topic 842 requires the Company to use the rate of interest implicit in the lease when readily determinable. If the rate implicit in the lease is not readily determinable, the Company is required to use its incremental borrowing rate, which is the rate of interest the Company would have to pay to borrow on a collateralized basis over a similar term in a similar economic environment. The Company was unable to determine the implicit interest rate in any of the leases and therefore used its incremental borrowing rate. As of March 31, 2022, the weighted-average discount rate for the Company's operating leases was 4.00 %. The Company's lease terms range fro m six months to one hundred twenty months . The weighted-average remaining term of the lease s was 9.2 years. Lease costs for the period shown below were as follows: March 31, (Dollars in thousands) 2022 Operating lease cost $ 600 Short-term lease cost 191 Total lease cost $ 791 Total operating lease expense for the three months ended March 31, 2022 and 2021 was $ 791,000 and $ 300,000 , respectively. A schedule of the Company's lease liabilities by contractual maturity for operating leases with initial or remaining terms in excess of one year for each year through 2027 and thereafter is presented below: March 31, (Dollars in thousands) 2022 2022 (nine months remaining) $ 1,197 2023 1,926 2024 2,144 2025 2,133 2026 2,179 2027 and thereafter 11,840 Total undiscounted lease liability 21,419 Less: Discount on cash flows ( 2,121 ) Lease signed, but not yet commenced ( 8,669 ) Total operating lease liability $ 10,629

Financial Instruments with Off

Financial Instruments with Off Balance Sheet Risk	3 Months Ended
	Mar. 31, 2022
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: March 31, December 31, (Dollars in thousands) 2022 2021 Commitments to extend credit $ 891,853 $ 606,160 Standby letters of credit 9,522 14,144 Total $ 901,375 $ 620,304 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	3 Months Ended
	Mar. 31, 2022
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 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. • 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. 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 three month period ended March 31, 2022 or during the year ended December 31, 2021. 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 March 31, 2022 and December 31, 2021: Fair Value Measurements Using (Dollars in thousands) Level 1 Inputs Level 2 Inputs Level 3 Inputs Total Fair Value At March 31, 2022: Securities available for sale: State and municipal securities $ — $ 424 $ — $ 424 Mortgage-backed securities — 761 — 761 U.S. Treasury bonds — 101,082 — 101,082 Corporate bonds — 23,951 — 23,951 Total investment securities available for sale $ — $ 126,218 $ — $ 126,218 Asset derivatives: Interest rate swaps $ — $ 3,872 $ — $ 3,872 Risk participation agreements — 1 — 1 Total asset derivatives $ — $ 3,873 $ — $ 3,873 Liability derivatives: Interest rate swaps $ — $ 3,872 $ — $ 3,872 Risk participation agreements — 37 — 37 Total liability derivatives $ — $ 3,909 $ — $ 3,909 Fair Value Measurements Using (Dollars in thousands) Level 1 Inputs Level 2 Inputs Level 3 Inputs Total Fair Value 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 Loans held for sale: $ — $ — $ 2,844,441 $ 2,844,441 Asset derivatives: Interest rate swaps $ — $ 389 $ — $ 389 Total asset derivatives $ — $ 389 $ — $ 389 Liability derivatives: Interest rate swaps $ — $ 389 $ — $ 389 Total liability derivatives $ — $ 389 $ — $ 389 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 March 31, 2022 and December 31, 2021: Impaired loans. At March 31, 2022, impaired loans with carrying values of $ 16.0 million were reduced by specific valuation allowances totaling $ 312,000 resulting in a net fair value of $ 15.7 million based on Level 3 inputs. 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. Non-financial assets measured at fair value on a non-recurring basis during the three months ended March 31, 2022 and year ended December 31, 2021, 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: March 31, December 31, (Dollars in thousands) 2022 2021 Foreclosed assets remeasured subsequent to initial recognition: Carrying value of foreclosed assets prior to remeasurement $ 1,666 $ 1,676 Write downs included in other non-interest expense — — Fair value of foreclosed assets remeasured subsequent to initial recognition $ 1,666 $ 1,676 For the Company, as for most financial institutions, substantially all of 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: March 31, 2022 December 31, 2021 (Dollars in thousands) Carrying Estimated Carrying Estimated Financial assets Level 2 inputs Cash and cash equivalents $ 371,320 $ 371,320 $ 327,025 $ 327,025 Interest bearing time deposits in other banks 132 132 131 131 Investment securities available for sale 126,218 126,218 26,432 26,432 Non-marketable securities 11,327 11,327 7,527 7,527 Accrued interest receivable 12,648 12,648 10,228 10,228 Bank-owned life insurance 26,671 26,671 26,528 26,528 Derivative instruments assets 3,873 3,873 389 389 $ 552,189 $ 552,189 $ 398,260 $ 398,260 Level 3 inputs Loans, including held for sale, net $ 2,424,633 $ 2,391,904 $ 2,049,429 $ 2,023,761 Financial liabilities Level 2 inputs Deposits $ 2,587,169 $ 2,587,827 $ 2,141,199 $ 2,141,999 Accrued interest payable 387 387 437 437 FHLB advances 50,000 50,000 50,000 50,000 Notes payable 81,507 81,507 1,000 1,000 Derivative instrument liabilities 3,909 3,909 389 389 $ 2,722,972 $ 2,723,630 $ 2,193,025 $ 2,193,825

Significant Group Concentration

Significant Group Concentrations of Credit Risk	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021, the Company had federal funds sold aggrega ting $ 1,538,000 and $ 292,000 , respectively, which represents concentrations of credit risk. The Company had uninsured deposits o f $ 244.3 million an d $ 189.7 million as of March 31, 2022 and December 31, 2021, respectively.

Employee Benefit Plans

Employee Benefit Plans	3 Months Ended
	Mar. 31, 2022
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 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 March 31, 2022, the number of shares held by the ESOP was 124,132 and there were no shares unallocated to plan participants. At March 31, 2022, shares committed to be released to the plan were 11,361 shares for a fair value of $ 266,000 . All shares held by the ESOP were treated as outstanding at March 31, 2022. For the three months ended March 31, 2022 and 2021, Company contributions to the ESOP were approximat ely $ 330,000 and $ 178,000 , respectiv ely. Administrative expense related to the ESOP and the Plan for the same three month period totaled approximately $ 10,000 and zero , respectively. The costs were included in salaries and employee benefits in the accompanying consolidated statements of income.

Related Party Transactions

Related Party Transactions	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021, the aggregate amounts of loans to related parties were approximately $ 596,000 and $ 569,000 , respectively. During the three months ended March 31, 2022, loan originations to related parties totaled $ 50,000 and repayments from related party loans totaled $ 23,000 . Related party unfunded commitments at March 31, 2022 were $ 150,000 . There were no related party unfunded commitments at December 31, 2021.

Shareholders_ Equity and Regula

Shareholders’ Equity and Regulatory Matters	3 Months Ended
	Mar. 31, 2022
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”. The Company 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 (“IPO”) 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 IPO were $ 92.0 million after deducting underwriting discounts and offering expenses of $ 8.6 million. The initial closing of the IPO 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 IPO, 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 IPO 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 March 31, 2022 and December 31, 2021 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 March 31, 2022 and December 31, 2021. 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 March 31, 2022, 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 (dollars in thousands): Actual For Capital Adequacy (2) To Be Well Capitalized Amount Ratio Amount Ratio Amount Ratio As of March 31, 2022: Total capital (to risk $ 379,530 13.2 % ≥ $ 302,763 ≥ 10.5 % ≥ $ 288,336 ≥ 10.0 % Tier I capital (to risk $ 356,218 12.4 % ≥ $ 245,086 ≥ 8.5 % ≥ $ 230,669 ≥ 8.0 % Tier I capital (to average (1) $ 356,218 13.7 % ≥ $ 104,281 ≥ 4.0 % ≥ $ 130,351 ≥ 5.0 % Common equity tier 1 (to $ 356,218 12.4 % ≥ $ 201,835 ≥ 7.0 % ≥ $ 187,418 ≥ 6.5 % 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 (1) $ 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 % (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	3 Months Ended
	Mar. 31, 2022
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 Three Months Ended March 31, (Dollars in thousands, except share and per share data) 2022 2021 Net income available to common shareholders $ 2,087 $ 5,096 Weighted-average shares outstanding for basic earnings per common share 13,385,324 6,280,854 Dilutive effect of stock compensation 369,702 83,817 Weighted-average shares outstanding for diluted earnings per common share 13,755,026 6,364,671

Derivative Financial Instrument

Derivative Financial Instruments	3 Months Ended
	Mar. 31, 2022
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 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 (loss). 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 (loss), net of deferred taxes, into interest expense through September 4, 2025 , which is the maturity date of the contract. For the three months ended March 31, 2022, appr oximately $ 51,000 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 March 31, 2022, 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 March 31, 2022 and December 31, 2021, cash of $ 730,000 was pledged as collateral for derivative financial instruments. The following tables provide the outstanding notional balances and fair values of outstanding derivative positions at March 31, 2022 and December 31, 2021. (Dollars in thousands) Outstanding Asset Liability Pay (1) Receive (1) Remaining (2) March 31, 2022 Pay-fixed interest rate swap (*) $ — $ — $ — 0.20 % USD Fed 3.4 Risk participation agreements purchased 11,739 1 — — — 3.0 Risk participation agreements sold 30,000 — 37 — — 5.0 Commercial loan interest rate swaps: Loan customer counterparty 141,540 — 3,872 — 4.48 % 5.4 Financial institution counterparty 141,540 3,872 — 4.48 % — 5.4 $ 324,819 $ 3,873 $ 3,909 (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).

Goodwill and Core Deposit Intan

Goodwill and Core Deposit Intangible, Net	3 Months Ended
	Mar. 31, 2022
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 intangible of $ 18,033,880 and $ 1,615,002 , respectively, relating to the Heritage Bancorp, Inc. acquisition. Amortization expense of the core deposit intangible (“CDI”) w as $ 40,000 for each of the three months ended March 31, 2022 and 2021. The remaining weighted average life is 7.75 years at March 31, 2022. Scheduled amortization of CDI at March 31, 2022 are as follows: (Dollars in thousands) CDI 2022 (nine months remaining) $ 121 2023 162 2024 162 2025 162 2026 162 2027 and thereafter 483 $ 1,252

Contingencies

Contingencies	3 Months Ended
	Mar. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Contingencies	19. Contingencies 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.

Nature of Operations and Summ_2

Nature of Operations and Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2022
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 13 branch offices located in the North, Central and Southeast regions of Texas. Branch locations include: Humble, Beaumont, Port Arthur, Houston, Conroe, Pearland, Lake Jackson, Dallas, Fort Worth, 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, 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 unaudited consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information, reporting practices prescribed by the banking industry, and pursuant to the rules and regulations of the Securities and Exchange Commission (the “SEC”). Accordingly, they do not include all the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements and should be read in conjunction with the Company's annual consolidated financial statements for the years ended December 31, 2021 and 2020 included in the Company's Annual Report on Form 10-K filed with the SEC on March 17, 2022. The December 31, 2021 consolidated balance sheet has been derived from the audited financial statements for the year ended December 31, 2021. 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. Operating results for the three months ended March 31, 2022 are not necessarily indicative of results that may be expected for the full year ending December 31, 2022. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. Actual results could differ significantly from those estimates. The accompanying unaudited consolidated financial statements include the accounts of Bancshares, the Bank, and TCCC. All significant intercompany transactions and balances have been eliminated in consolidation. The Company has evaluated subsequent events for potential recognition and/or disclosure through the date the consolidated financial statements were issued.
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 consist 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 (loss), 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 on loans is recognized using the effective interest method and includes amortization of deferred loan origination fees and costs over the life of the loans. 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	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 March 31, 2022 and December 31, 2021, the Company had no 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 March 31, 2022 and December 31, 2021, the Company was servicing loans previously sold of approximately $ 3.7 mil lion and $ 3.8 million, respectively. The related servicing assets receivable were not material to the consolidated financial statements at March 31, 2022 and December 31, 2021.
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.
Operating Leases	Operating Leases The Company leases certain office space and stand-alone buildings which are recognized as operating lease right-of-use assets and operating lease liabilities in the consolidated balance sheets. Lease liabilities represent the Company's liability to make lease payments under these leases on a discounted basis and are amortized on a straight-line basis over the lease term for each related lease agreement. Right-of-use assets represent the Company's right to use, or control the use of, leased assets for their lease term and are amortized over the lease term of the related lease agreement. See further discussion of Accounting Standards Update, or ASU 2016-02, Leases (Topic 842) below. The Company does not recognize short-term operating leases on the consolidated balance sheets. A short-term lease has a term of 12 months or less and does not have a purchase option that is likely to be exercised.
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.
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	Advertising and Marketing Expenses Advertising and marketing expenses consist of the Company’s advertising in its local market area and are expensed as incurred. Advertising and marketing expenses we re $ 427,000 and $ 404,000 for the three months ended March 31, 2022 and 2021, 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 Adopted and Issued Accounting Standards	Recently Adopted Accounting Standards The Company adopted ASU 2016-02 - “Leases” (Topic 842) on January 1, 2022 using the effective date as the date of initial adoption. The Company elected to apply certain practical expedients for transition, and under those expedients the Company did not reassess prior accounting decisions regarding the identification, classification and initial direct costs leases existing at the effective date. The Company also elected to use hindsight in determining the lease term when considering options to extend the lease and excluded short-term leases (defined as lease terms of 12 months or less). The Company elected to separate non-lease components from lease components in its application of ASU 2016-02. At adoption, the Company recorded right-of-use assets totaling $ 11.0 million, which represented the Company's right to use, or control the use of, specified assets for their lease terms, and the Company recorded lease liabilities totaling $ 10.9 million, which represented the Company's liability to make lease payments under these leases. The ASU 2016-02 standard applied to all leases existing at the date of initial adoption. The Company's financial statements and related footnotes were not updated for ASU 2016-02 for dates and periods before the date of adoption. See Note 9 – Leases. 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 is in the process of evaluating the potential effects of adopting ASU 2016-13 on the Company’s consolidated results of operations, financial position, or cash flows.

Investment Securities Availab_2

Investment Securities Available for Sale (Tables)	3 Months Ended
	Mar. 31, 2022
Investments, Debt and Equity Securities [Abstract]
Carrying Amount and Fair Values of Investment Securities Available For Sale	he carrying amount of securities and their approximate fair values as of March 31, 2022 and December 31, 2021 are as follows: March 31, 2022 (Dollars in thousands) Amortized Gross Gross Estimated Securities available-for-sale: State and municipal securities $ 425 $ — $ 1 $ 424 Mortgage-backed securities 753 12 4 761 U.S. Treasury bonds 101,080 2 — 101,082 Corporate bonds 23,551 477 77 23,951 $ 125,809 $ 491 $ 82 $ 126,218 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 $ 999 $ 1 $ 26,432
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 March 31,2022, by contractual maturity, are shown below. March 31, 2022 Securities Available for Sale (Dollars in thousands) Amortized Estimated Due in one year or less $ — $ — Due from one year to five years 101,505 101,506 Due from five to ten years 23,551 23,951 125,056 125,457 Mortgage-backed securities 753 761 $ 125,809 $ 126,218
Summary of Securities with Unrealized Losses	The following table summarizes securities with unrealized losses at March 31, 2022 and December 31, 2021, aggregated by major security type and length of time in a continuous unrealized loss position: March 31, 2022 (Dollars in thousands) Less Than 12 Greater Than 12 Total Estimated Securities available-for-sale: State and municipal securities $ 1 $ — $ 1 $ 424 Mortgage-backed securities 4 — 4 161 Corporate bonds 77 — 77 5,439 $ 82 $ — $ 82 $ 6,024 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

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2022
Receivables [Abstract]
Schedule of Amounts Recognized in Balance Sheet	Loans in the accompanying consolidated balance sheets consisted of the following: March 31, December 31, (Dollars in thousands) 2022 2021 Real estate loans: Non-farm non-residential owner occupied $ 477,573 $ 383,941 Non-farm non-residential non-owner occupied 463,618 445,308 Residential 225,649 213,264 Construction, development & other 414,653 320,335 Farmland 13,467 9,934 Commercial & industrial 756,005 611,348 Consumer 3,304 4,001 Other 93,676 80,593 2,447,945 2,068,724 Allowance for loan losses ( 23,312 ) ( 19,295 ) Loans, net $ 2,424,633 $ 2,049,429
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: March 31, December 31, 2022 2021 (Dollars in thousands) Non-accrual Accruing loans Non-accrual Accruing loans Real estate loans: Non-farm non-residential owner occupied $ 986 $ — $ 1,008 $ - Non-farm non-residential non-owner occupied 334 — 346 — Residential 121 — 127 — Construction, development & other 238 — 244 — Farmland — — — — Commercial & industrial 8,210 40 8,297 278 Consumer — — — — Other — — — — Purchased credit impaired 7 — 8 — $ 9,896 $ 40 $ 10,030 $ 278 As of March 31, 2022 and 2021, the amount of income that would have been accrued for loans on non-accrual was approximately $ 482,000 and $ 517,000 , respect ively.
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: March 31, 2022 (Dollars in thousands) 30-59 60-89 Over 90 Total Total Total Real estate loans: Non-farm non-residential $ 451 $ 379 $ 986 $ 1,816 $ 475,757 $ 477,573 Non-farm non-residential 1,933 150 334 2,417 460,470 462,887 Residential 1,438 — 121 1,559 224,090 225,649 Construction, 401 — 238 639 409,919 410,558 Farmland — — — — 13,467 13,467 Commercial & industrial 542 496 8,250 9,288 746,655 755,943 Consumer 44 — — 44 3,260 3,304 Other 151 — — 151 93,525 93,676 Purchased credit impaired — — 7 7 4,881 4,888 $ 4,960 $ 1,025 $ 9,936 $ 15,921 $ 2,432,024 $ 2,447,945 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
Schedule of Impaired Loans by Class of Loans	The following tables present impaired loans by class of loans: March 31, 2022 (Dollars in thousands) Unpaid Recorded Recorded Total Related Average Real estate loans: Non-farm non-residential $ 986 $ 986 $ — $ 986 $ — $ 997 Non-farm non-residential 5,603 5,595 — 5,595 — 5,613 Residential 124 121 — 121 — 124 Construction, 235 238 — 238 — 241 Farmland — — — — — — Commercial & industrial 9,000 7,522 1,483 9,005 297 9,045 Consumer — — — — — — Other — — — — — — Purchased credit impaired 62 — 61 61 15 63 $ 16,010 $ 14,462 $ 1,544 $ 16,006 $ 312 $ 16,083 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 I
Summary of Troubled Debt Restructuring	During the three months ended March 31, 2022, the terms o f one loan were modified as a troubled debt restructuring (“TDR”). The terms of three loans were modified as TDRs prior to December 31, 2021. The following table presents modifications of loans the Company considers to be TDR loans: March 31, 2022 Loan modifications (Dollars in thousands) Number Pre- Post- Adjusted Payment Combined Real estate loans: Non-farm non-residential 3 $ 865 $ 865 $ — $ 865 $ — Non-farm non-residential — — — — — — Residential — — — — — — Construction, — — — — — — Farmland — — — — — — Commercial & industrial 1 790 790 — 790 — Consumer — — — — — — Other — — — — — — 4 $ 1,655 $ 1,655 $ — $ 1,655 $ — December 31, 2021 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 $ —
Summary of Internal Ratings of Loans	The following tables summarize the Company’s internal ratings of its loans: March 31, 2022 (Dollars in thousands) Pass Special Substandard Purchased Doubtful Total Real estate loans: Non-farm non-residential $ 466,035 $ 4,695 $ 6,843 $ — $ — $ 477,573 Non-farm non-residential 454,476 — 8,411 731 — 463,618 Residential 224,593 — 1,056 — — 225,649 Construction, 410,319 — 238 4,096 — 414,653 Farmland 13,467 — — — — 13,467 Commercial & industrial 751,356 — 4,588 61 — 756,005 Consumer 3,283 21 — — — 3,304 Other 93,676 — — — 93,676 $ 2,417,205 $ 4,716 $ 21,136 $ 4,888 $ — $ 2,447,945 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
Schedule of Allowance for Loan Losses	The following tables detail the activity in the allowance for loan losses by portfolio segment: For the Three Months Ended March 31, 2022 (Dollars in thousands) Beginning Provision for Charge-offs Recoveries Ending Real estate loans: Non-farm non-residential $ 3,456 $ 631 $ — $ — $ 4,087 Non-farm non-residential 5,935 ( 322 ) — — 5,613 Residential 957 ( 191 ) — — 766 Construction, development & other 2,064 260 — — 2,324 Farmland 45 ( 1 ) — — 44 Commercial & industrial 6,500 3,669 — 4 10,173 Consumer 6 ( 14 ) — 13 5 Other 332 ( 32 ) — — 300 $ 19,295 $ 4,000 $ — $ 17 $ 23,312 For the Three Months Ended March 31, 2021 (Dollars in thousands) Beginning Provision for Charge-offs Recoveries Ending Real estate loans: Non-farm non-residential $ 2,608 $ 1,544 $ — $ — $ 4,152 Non-farm non-residential 3,107 1,025 — — 4,132 Residential 1,218 ( 280 ) — — 938 Construction, development & other 932 ( 230 ) — — 702 Farmland 32 — — — 32 Commercial & industrial 3,858 ( 538 ) — 3 3,323 Consumer 35 ( 23 ) — — 12 Other 189 2 ( 13 ) 2 180 $ 11,979 $ 1,500 $ ( 13 ) $ 5 $ 13,471
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: March 31, 2022 Period end amounts of ALLL (Dollars in thousands) Individually Collectively PCI Total Real estate loans: Non-farm non-residential owner occupied $ — $ 4,087 $ — $ 4,087 Non-farm non-residential non-owner occupied — 5,613 — 5,613 Residential — 766 — 766 Construction, development & other — 2,324 — 2,324 Farmland — 44 — 44 Commercial & industrial 297 9,861 15 10,173 Consumer — 5 — 5 Other — 300 — 300 $ 297 $ 23,000 $ 15 $ 23,312 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
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: March 31, 2022 Loans evaluated for (Dollars in thousands) Individually Collectively PCI Total Real estate loans: Non-farm non-residential owner occupied $ 986 $ 476,587 $ — $ 477,573 Non-farm non-residential non-owner occupied 5,595 458,023 — 463,618 Residential 121 225,528 — 225,649 Construction, development & other 238 414,415 — 414,653 Farmland — 13,467 — 13,467 Commercial & industrial 9,005 746,939 61 756,005 Consumer — 3,304 — 3,304 Other — 93,676 — 93,676 $ 15,945 $ 2,431,939 $ 61 $ 2,447,945 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 8,298 602,985 65 611,348 Consumer — 4,001 — 4,001 Other — 80,593 — 80,593 $ 15,307 $ 2,053,352 $ 65 $ 2,068,724
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: 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: March 31, December 31, (Dollars in thousands) 2022 2021 Real estate loans: Non-farm non-residential owner occupied $ — $ — Non-farm non-residential non-owner occupied 794 820 Residential 88 181 Construction, development & other 5,141 5,169 Farmland — — Commercial & industrial 63 66 Consumer — — Other — — Total outstanding balances $ 6,086 $ 6,236 Carrying amount $ 4,888 $ 4,984
Schedule of Accretable Yield Collected on PCI Loans	Accretable yield, or income expected to be collected on PCI loans was as follows: March 31, December 31, (Dollars in thousands) 2022 2021 Balance at beginning of year $ 926 $ 2,261 Accretion of income ( 45 ) ( 1,335 ) Balance at end of period $ 881 $ 926

Premises and Equipment (Tables)

Premises and Equipment (Tables)	3 Months Ended
	Mar. 31, 2022
Property, Plant and Equipment [Abstract]
Schedule of Premises and Equipment	Premises and equipment in the accompanying consolidated balance sheets consisted of the following: Estimated March 31, December 31, (Dollars in thousands) Useful Life 2022 2021 Building and building improvements 30 years or 3 - 10 years $ 12,172 $ 12,156 Land 3,894 3,894 Equipment 3 - 5 years 4,638 4,308 Leasehold improvements 3 - 10 years 2,935 2,888 Furniture and fixtures 3 - 5 years 2,803 2,541 Construction in process 2,843 1,174 29,285 26,961 Accumulated depreciation ( 8,439 ) ( 7,916 ) $ 20,846 $ 19,045

Deposits (Tables)

Deposits (Tables)	3 Months Ended
	Mar. 31, 2022
Deposits Liabilities, Balance Sheet, Reported Amounts [Abstract]
Schedule of Deposit Liabilities	Deposits in the accompanying consolidated balance sheets consisted of the following: March 31, December 31, (Dollars in thousands) 2022 2021 Transaction accounts: Noninterest bearing demand accounts $ 931,622 $ 531,401 Interest bearing demand accounts 1,350,837 1,298,546 Savings 34,825 33,539 Total transaction accounts 2,317,284 1,863,486 Time deposits 269,885 277,713 Total deposits $ 2,587,169 $ 2,141,199
Schedule Maturities of time deposit	Scheduled maturities of time deposits at March 31, 2022 are as follows: 2022 (nine months remaining) $ 212,906 2023 50,703 2024 2,811 2025 1,476 2026 1,675 2027 and thereafter 314 $ 269,885

FHLB Advances and Other Borro_2

FHLB Advances and Other Borrowings (Tables)	3 Months Ended
	Mar. 31, 2022
Federal Home Loan Banks [Abstract]
Summary of Contractual Maturities of FHLB Advances and Other Borrowings	Contractual maturities of FHLB advances and other borrowings at March 31, 2022 were as follows: (Dollars in thousands) FHLB Other 2022 (nine months remaining) $ — $ 1,000 2023 — — 2024 — — 2025 — — 2026 — — 2027 and thereafter 50,000 80,507 $ 50,000 $ 81,507

Stock Options and Warrants (Tab

Stock Options and Warrants (Table)	3 Months Ended
	Mar. 31, 2022
Stock Options And Warrants [Abstract]
Summary of Stock Option Activity	A summary of stock option activity for the three months ended March 31, 2022 and year ended December 31, 2021 is presented below: March 31, December 31, 2022 2021 (Dollars in thousands, except share and per share data) Shares Weighted Shares Weighted Outstanding at beginning of period 1,220,428 $ 17.83 660,251 $ 14.37 Granted during the period 22,500 22.38 788,250 20.22 Forfeited during the period ( 37,500 ) 24.00 ( 144,903 ) 17.55 Exercised during the period ( 3,500 ) 15.65 ( 83,170 ) 13.48 Outstanding at the end of period 1,201,928 $ 17.73 1,220,428 $ 17.83 Options exercisable at end of period 452,738 $ 14.12 361,758 $ 13.59 Weighted-average grant date fair value of options granted $ 6.75 $ 3.15
Share-based Payment Arrangement, Option, Exercise Price Range [Table Text Block]	A summary of weighted average remaining life is presented below: (Dollars in thousands, except share and March 31, 2022 December 31, 2021 Exercise Price Options Outstanding Weighted Average Remaining Life (years) Options Exercisable Options Outstanding Weighted Average Remaining Life (years) Options Exercisable $ 10.00 - $ 12.99 164,223 2.82 161,723 162,223 5.15 162,223 $ 13.00 - $ 16.99 493,955 7.23 291,015 496,955 7.48 199,535 $ 17.00 - $ 26.99 543,750 9.26 — 561,250 9.52 — 1,201,928 7.55 452,738 1,220,428 8.11 361,758
Schedule of Nonvested Share Activity	A summary of the activity in the Company’s nonvested shares is as follows: March 31, December 31, 2022 2021 (Dollars in thousands, except share and per share data) Shares Weighted Average Grant Date Fair Value Shares Weighted Average Grant Date Fair Value Nonvested at January 1, 858,670 $ 3.15 262,670 $ 3.04 Granted during the period 22,500 6.75 788,250 3.15 Vested during the period ( 93,880 ) 2.81 ( 72,500 ) 3.17 Forfeited during the period ( 38,100 ) 3.76 ( 119,750 ) 2.88 Nonvested at end of period 749,190 $ 3.27 858,670 $ 3.15 Warrants
Schedule Of Stock Warrant Activity	A summary of the Company’s stock warrant activity is presented below: March 31, December 31, 2022 2021 (Dollars in thousands, except share and per share data) Shares Weighted- Shares Weighted- Outstanding at beginning of period 4,285 $ 11.00 6,000 $ 11.00 Granted — — — — Exercised — — ( 1,715 ) 11.00 Expired or forfeited — — — — Outstanding at end of period 4,285 $ 11.00 4,285 $ 11.00 Exercisable at end of period 4,285 $ 11.00 4,285 $ 11.00
Summary of Activity for Nonvested RSAs	A summary of the activity for nonvested RSAs for the three months ended March 31, 2022 and the year ended December 31, 2021 is presented below: March 31, December 31, 2022 2021 (Dollars in thousands, except share and per share data) Shares Weighted Shares Weighted Nonvested at beginning of period 49,750 $ 24.00 — $ — Granted during the period 28,132 24.70 49,750 24.00 Vested during the period — — — — Forfeited during the period — — — — Nonvested at the end of period 77,882 $ 24.25 49,750 $ 24.00

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Schedule of Lease cost	Lease costs for the period shown below were as follows: March 31, (Dollars in thousands) 2022 Operating lease cost $ 600 Short-term lease cost 191 Total lease cost $ 791
Schedule of maturities of operating leases	A schedule of the Company's lease liabilities by contractual maturity for operating leases with initial or remaining terms in excess of one year for each year through 2027 and thereafter is presented below: March 31, (Dollars in thousands) 2022 2022 (nine months remaining) $ 1,197 2023 1,926 2024 2,144 2025 2,133 2026 2,179 2027 and thereafter 11,840 Total undiscounted lease liability 21,419 Less: Discount on cash flows ( 2,121 ) Lease signed, but not yet commenced ( 8,669 ) Total operating lease liability $ 10,629

Financial Instruments with Of_2

Financial Instruments with Off Balance Sheet Risk (Table)	3 Months Ended
	Mar. 31, 2022
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: March 31, December 31, (Dollars in thousands) 2022 2021 Commitments to extend credit $ 891,853 $ 606,160 Standby letters of credit 9,522 14,144 Total $ 901,375 $ 620,304

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021: Fair Value Measurements Using (Dollars in thousands) Level 1 Inputs Level 2 Inputs Level 3 Inputs Total Fair Value At March 31, 2022: Securities available for sale: State and municipal securities $ — $ 424 $ — $ 424 Mortgage-backed securities — 761 — 761 U.S. Treasury bonds — 101,082 — 101,082 Corporate bonds — 23,951 — 23,951 Total investment securities available for sale $ — $ 126,218 $ — $ 126,218 Asset derivatives: Interest rate swaps $ — $ 3,872 $ — $ 3,872 Risk participation agreements — 1 — 1 Total asset derivatives $ — $ 3,873 $ — $ 3,873 Liability derivatives: Interest rate swaps $ — $ 3,872 $ — $ 3,872 Risk participation agreements — 37 — 37 Total liability derivatives $ — $ 3,909 $ — $ 3,909 Fair Value Measurements Using (Dollars in thousands) Level 1 Inputs Level 2 Inputs Level 3 Inputs Total Fair Value 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 Loans held for sale: $ — $ — $ 2,844,441 $ 2,844,441 Asset derivatives: Interest rate swaps $ — $ 389 $ — $ 389 Total asset derivatives $ — $ 389 $ — $ 389 Liability derivatives: Interest rate swaps $ — $ 389 $ — $ 389 Total liability derivatives $ — $ 389 $ — $ 389
Summary of Foreclosed Assets Remeasured and Recorded at Fair Value	The following table presents foreclosed assets that were remeasured and recorded at fair value: March 31, December 31, (Dollars in thousands) 2022 2021 Foreclosed assets remeasured subsequent to initial recognition: Carrying value of foreclosed assets prior to remeasurement $ 1,666 $ 1,676 Write downs included in other non-interest expense — — Fair value of foreclosed assets remeasured subsequent to initial recognition $ 1,666 $ 1,676
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: March 31, 2022 December 31, 2021 (Dollars in thousands) Carrying Estimated Carrying Estimated Financial assets Level 2 inputs Cash and cash equivalents $ 371,320 $ 371,320 $ 327,025 $ 327,025 Interest bearing time deposits in other banks 132 132 131 131 Investment securities available for sale 126,218 126,218 26,432 26,432 Non-marketable securities 11,327 11,327 7,527 7,527 Accrued interest receivable 12,648 12,648 10,228 10,228 Bank-owned life insurance 26,671 26,671 26,528 26,528 Derivative instruments assets 3,873 3,873 389 389 $ 552,189 $ 552,189 $ 398,260 $ 398,260 Level 3 inputs Loans, including held for sale, net $ 2,424,633 $ 2,391,904 $ 2,049,429 $ 2,023,761 Financial liabilities Level 2 inputs Deposits $ 2,587,169 $ 2,587,827 $ 2,141,199 $ 2,141,999 Accrued interest payable 387 387 437 437 FHLB advances 50,000 50,000 50,000 50,000 Notes payable 81,507 81,507 1,000 1,000 Derivative instrument liabilities 3,909 3,909 389 389 $ 2,722,972 $ 2,723,630 $ 2,193,025 $ 2,193,825

Shareholders_ Equity and Regu_2

Shareholders’ Equity and Regulatory Matters (Tables)	3 Months Ended
	Mar. 31, 2022
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 (dollars in thousands): Actual For Capital Adequacy (2) To Be Well Capitalized Amount Ratio Amount Ratio Amount Ratio As of March 31, 2022: Total capital (to risk $ 379,530 13.2 % ≥ $ 302,763 ≥ 10.5 % ≥ $ 288,336 ≥ 10.0 % Tier I capital (to risk $ 356,218 12.4 % ≥ $ 245,086 ≥ 8.5 % ≥ $ 230,669 ≥ 8.0 % Tier I capital (to average (1) $ 356,218 13.7 % ≥ $ 104,281 ≥ 4.0 % ≥ $ 130,351 ≥ 5.0 % Common equity tier 1 (to $ 356,218 12.4 % ≥ $ 201,835 ≥ 7.0 % ≥ $ 187,418 ≥ 6.5 % 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 (1) $ 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 % (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)	3 Months Ended
	Mar. 31, 2022
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 Three Months Ended March 31, (Dollars in thousands, except share and per share data) 2022 2021 Net income available to common shareholders $ 2,087 $ 5,096 Weighted-average shares outstanding for basic earnings per common share 13,385,324 6,280,854 Dilutive effect of stock compensation 369,702 83,817 Weighted-average shares outstanding for diluted earnings per common share 13,755,026 6,364,671

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2022
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 March 31, 2022 and December 31, 2021. (Dollars in thousands) Outstanding Asset Liability Pay (1) Receive (1) Remaining (2) March 31, 2022 Pay-fixed interest rate swap (*) $ — $ — $ — 0.20 % USD Fed 3.4 Risk participation agreements purchased 11,739 1 — — — 3.0 Risk participation agreements sold 30,000 — 37 — — 5.0 Commercial loan interest rate swaps: Loan customer counterparty 141,540 — 3,872 — 4.48 % 5.4 Financial institution counterparty 141,540 3,872 — 4.48 % — 5.4 $ 324,819 $ 3,873 $ 3,909 (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).

Goodwill and Core Deposit Int_2

Goodwill and Core Deposit Intangible, Net (Tables)	3 Months Ended
	Mar. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Amortization of Core Deposit Intangible	Scheduled amortization of CDI at March 31, 2022 are as follows: (Dollars in thousands) CDI 2022 (nine months remaining) $ 121 2023 162 2024 162 2025 162 2026 162 2027 and thereafter 483 $ 1,252

Nature of Operations and Summ_3

Nature of Operations and Summary of Significant Accounting Policies - Additional Information (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Jan. 01, 2022	Dec. 31, 2021
Accounting Policies [Line Items]
Mortgage loans held for sale are held for an interim period	30 days
Servicing loans previously sold	$ 3,700,000			$ 3,800,000
Loans held for sale	0			$ 0
Advertising and marketing expenses	$ 427,000	$ 404,000
Change in accounting principle, ASU, Adopted [true false]	true
Change in accounting principle, ASU, Adoption date	Jan. 1, 2022
Accounting Standards Update [Extensible Enumeration]	us-gaap:AccountingStandardsUpdate201602Member
Right-of-use assets	$ 10,700,000		$ 11,000,000
Lease liabilities	$ 10,629,000		$ 10,900,000

Investment Securities Availab_3

Investment Securities Available for Sale - Carrying Amount and Fair Values of Investment Securities Available For Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Schedule Of Trading Securities And Other Trading Assets [Line Items]
Amortized Cost	$ 125,809	$ 25,434
Gross Unrealized Gains	491	999
Gross Unrealized Losses	82	1
Estimated Fair Value	126,218	26,432
State and Muncipal Securities
Schedule Of Trading Securities And Other Trading Assets [Line Items]
Amortized Cost	425	1,087
Gross Unrealized Gains		7
Gross Unrealized Losses	1
Estimated Fair Value	424	1,094
Mortgage Backed Securities
Schedule Of Trading Securities And Other Trading Assets [Line Items]
Amortized Cost	753	791
Gross Unrealized Gains	12	20
Gross Unrealized Losses	4
Estimated Fair Value	761	811
U.S. Treasury Bonds
Schedule Of Trading Securities And Other Trading Assets [Line Items]
Amortized Cost	101,080
Gross Unrealized Gains	2
Estimated Fair Value	101,082
Corporate Bonds
Schedule Of Trading Securities And Other Trading Assets [Line Items]
Amortized Cost	23,551	23,556
Gross Unrealized Gains	477	972
Gross Unrealized Losses	77	1
Estimated Fair Value	$ 23,951	$ 24,527

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	Mar. 31, 2022	Dec. 31, 2021
Securities Available-for-sale Amortized cost
Due in one year or less
Due from one year to five years	101,505
Due from five to ten years	23,551
Debt securities, available-for-sale, maturity, amortized Cost	125,056
Mortgage-backed securities	753
Amortized Cost	125,809	$ 25,434
Securities Available-for-sale, Estimated Fair Value
Due in one year or less
Due from one year to five years	101,506
Due from five to ten years	23,951
Debt securities, available-for-sale, maturity, amortized Cost	125,457
Mortgage-backed securities	761
Estimated Fair Value	$ 126,218	$ 26,432

Investment Securities Availab_5

Investment Securities Available for Sale - Summary of Securities with Unrealized Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Marketable Securities [Line Items]
Less Than 12 Months in a Loss Position	$ 82
Greater Than 12 Months in a Loss Position		$ 1
Total Unrealized Loss	82	1
Estimated Fair Value	6,024	3,999
State and Muncipal Securities
Marketable Securities [Line Items]
Less Than 12 Months in a Loss Position	1
Total Unrealized Loss	1
Estimated Fair Value	424
Mortgage Backed Securities
Marketable Securities [Line Items]
Less Than 12 Months in a Loss Position	4
Total Unrealized Loss	4
Estimated Fair Value	161
Corporate Bonds
Marketable Securities [Line Items]
Less Than 12 Months in a Loss Position	77
Greater Than 12 Months in a Loss Position		1
Total Unrealized Loss	77	1
Estimated Fair Value	$ 5,439	$ 3,999

Investment Securities Availab_6

Investment Securities Available for Sale - Additional Information (Details)	Mar. 31, 2022SecurityInvestment	Dec. 31, 2021InvestmentSecurity
Investments, Debt and Equity Securities [Abstract]
Number of unrealized loss positions | Investment	5	2
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	Mar. 31, 2022	Dec. 31, 2021
Accounts Notes And Loans Receivable [Line Items]
Total	$ 2,447,945	$ 2,068,724
Allowance for loan losses	(23,312)	(19,295)
Loans, net	2,424,633	2,049,429
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total	477,573	383,941
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total	463,618	445,308
Real Estate | Residential
Accounts Notes And Loans Receivable [Line Items]
Total	225,649	213,264
Real Estate | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Total	414,653	320,335
Real Estate | Farmland
Accounts Notes And Loans Receivable [Line Items]
Total	13,467	9,934
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Total	756,005	611,348
Consumer
Accounts Notes And Loans Receivable [Line Items]
Total	3,304	4,001
Other
Accounts Notes And Loans Receivable [Line Items]
Total	$ 93,676	$ 80,593

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses - Additional Information (Details)	Dec. 12, 2013USD ($)	Mar. 31, 2022USD ($)Loan	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)Loan	Jan. 01, 2020USD ($)	Dec. 31, 2013USD ($)
Accounts Notes And Loans Receivable [Line Items]
Loans unaccreted discounts and deferred fees		$ 7,100,000	$ 6,500,000
Amount of interest income collected on impaired loans		$ 120,000	39,000
Number of loans modified under TDR | Loan		4		5
Number of loans modified under TDR during the previous twelve-month | Loan		0
Commitments to lend under TDR		$ 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 acquired performing loans						3,700,000
Gross contractual amounts receivable purchase credit impaired loans						$ 4,500,000
Total amount of unaccreted discounts on PCI loans		881,000		926,000
Allowance for loan losses related to purchased credit impaired loans		16,000		$ 17,000
Amount of income that would have been accrued for loans on non-accrual		$ 482,000,000	$ 517,000,000
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Number of loans modified under TDR | Loan		1		2
SBA Paycheck Protection Program (PPP) | PPP Loans | Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Outstanding loan balances		$ 26,700,000		$ 81,600,000
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		400		500
Outstanding loan balance amount subject to deferral and modification agreements		$ 211,700,000		$ 223,600,000
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 March 31, 2022 and December 31, 2021, the Company had approximately 400 and 500 loans totaling $211.7 million and $223.6 million, respectively, in outstanding loan balances subject to deferral and modification agreements due to COVID-19 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 provides banks an option to elect to not account for certain loan modifications related to COVID-19 as TDRs 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 TDRs, 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		$ 4,300,000		$ 4,400,000

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	Mar. 31, 2022	Dec. 31, 2021
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	$ 9,896	$ 10,030
Accruing loans past due more than 90 days	40	278
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	986	1,008
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	334	346
Real Estate | Residential
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	121	127
Real Estate | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	238	244
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	8,210	8,297
Accruing loans past due more than 90 days	40	278
Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Non-accrual	$ 7	$ 8

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	Mar. 31, 2022	Dec. 31, 2021
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 2,447,945	$ 2,068,724
30-59 Days
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,960	1,669
60-89 Days
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,025	853
Over 90 Days
Accounts Notes And Loans Receivable [Line Items]
Total loans	9,936	10,308
Total Past Due
Accounts Notes And Loans Receivable [Line Items]
Total loans	15,921	12,830
Current
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,432,024	2,055,894
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total loans	477,573	383,941
Real Estate | Non-Farm Non-Residential Owner Occupied | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	477,573	383,941
Real Estate | Non-Farm Non-Residential Owner Occupied | 30-59 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	451	291
Real Estate | Non-Farm Non-Residential Owner Occupied | 60-89 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	379
Real Estate | Non-Farm Non-Residential Owner Occupied | Over 90 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	986	1,008
Real Estate | Non-Farm Non-Residential Owner Occupied | Total Past Due | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,816	1,299
Real Estate | Non-Farm Non-Residential Owner Occupied | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	475,757	382,642
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total loans	463,618	445,308
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	462,887	444,586
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	1,933	161
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | 60-89 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	150
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	334	346
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	2,417	507
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	460,470	444,079
Real Estate | Residential
Accounts Notes And Loans Receivable [Line Items]
Total loans	225,649	213,264
Real Estate | Residential | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	225,649	213,179
Real Estate | Residential | 30-59 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,438	230
Real Estate | Residential | Over 90 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	121	127
Real Estate | Residential | Total Past Due | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,559	357
Real Estate | Residential | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	224,090	212,822
Real Estate | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Total loans	414,653	320,335
Real Estate | Construction, Development & Other | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	410,558	316,223
Real Estate | Construction, Development & Other | 30-59 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	401
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	238	244
Real Estate | Construction, Development & Other | Total Past Due | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	639	639
Real Estate | Construction, Development & Other | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	409,919	315,584
Real Estate | Farmland
Accounts Notes And Loans Receivable [Line Items]
Total loans	13,467	9,934
Real Estate | Farmland | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	13,467	9,934
Real Estate | Farmland | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	13,467	9,934
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Total loans	756,005	611,348
Commercial & Industrial | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	755,943	611,283
Commercial & Industrial | 30-59 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	542	960
Commercial & Industrial | 60-89 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	496	457
Commercial & Industrial | Over 90 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	8,250	8,575
Commercial & Industrial | Total Past Due | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	9,288	9,992
Commercial & Industrial | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	746,655	601,291
Consumer
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,304	4,001
Consumer | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,304	4,001
Consumer | 30-59 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	44	9
Consumer | Total Past Due | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	44	9
Consumer | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,260	3,992
Other
Accounts Notes And Loans Receivable [Line Items]
Total loans	93,676	80,593
Other | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	93,676	80,593
Other | 30-59 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	151	18
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	151	19
Other | Current | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	93,525	80,574
Purchased Credit Impaired | Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,888	4,984
Purchased Credit Impaired | Over 90 Days | Without Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	7
Purchased Credit Impaired | Over 90 Days | Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans		8
Purchased Credit Impaired | Total Past Due | Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	7	8
Purchased Credit Impaired | Current | Deterioration Credit Quality
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 4,881	$ 4,976

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses - Schedule of Impaired Loans by Class of Loans (Details) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	$ 16,010,000	$ 15,382,000
Recorded investment with no allowance	14,462	14,340,000
Recorded investment with allowance	1,544,000	1,032,000
Total recorded investment	16,006,000	15,372,000
Related allowance	312,000	307,000
Average recorded investment during year	16,083,000	16,312,000
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	986,000	1,008,000
Recorded investment with no allowance	986,000	1,008,000
Total recorded investment	986,000	1,008,000
Average recorded investment during year	997,000	1,051,000
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	5,603,000	5,641,000
Recorded investment with no allowance	5,595,000	5,630,000
Total recorded investment	5,595,000	5,630,000
Average recorded investment during year	5,613,000	5,680,000
Real Estate | Residential
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	124,000	130,000
Recorded investment with no allowance	121,000	127,000
Total recorded investment	121,000	127,000
Average recorded investment during year	124,000	138,000
Real Estate | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	235,000	241,000
Recorded investment with no allowance	238,000	244,000
Total recorded investment	238,000	244,000
Average recorded investment during year	241,000	255,000
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	9,000,000	8,297,000
Recorded investment with no allowance	7,522,000	7,331,000
Recorded investment with allowance	1,483,000	967,000
Total recorded investment	9,005,000	8,298,000
Related allowance	297,000	290,000
Average recorded investment during year	9,045,000	9,117,000
Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Unpaid contractual principal balance	62,000	65,000
Recorded investment with allowance	61,000	65,000
Total recorded investment	61,000	65,000
Related allowance	15,000	17,000
Average recorded investment during year	$ 63,000	$ 71,000

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses - Summary of Troubled Debt Restructuring (Details)	3 Months Ended	12 Months Ended
	Mar. 31, 2022USD ($)Loan	Dec. 31, 2021USD ($)Loan
Accounts Notes And Loans Receivable [Line Items]
Number of loans | Loan	4	5
Pre- restructuring recorded investment	$ 1,655	$ 1,685
Post- restructuring recorded investment	1,655	1,685
Payment deferral	$ 1,655	$ 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	$ 865,000	$ 927
Post- restructuring recorded investment	865,000	927
Payment deferral	$ 865,000	$ 927
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Number of loans | Loan	1	2
Pre- restructuring recorded investment	$ 790,000	$ 758
Post- restructuring recorded investment	790,000	758
Payment deferral	$ 790,000	$ 758

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses - Summary of Internal Ratings of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 2,447,945	$ 2,068,724
Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	2,417,205	2,026,950
Special Mention
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,716	16,459
Substandard
Accounts Notes And Loans Receivable [Line Items]
Total loans	21,136	20,331
Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,888	4,984
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total loans	477,573	383,941
Real Estate | Non-Farm Non-Residential Owner Occupied | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	466,035	370,062
Real Estate | Non-Farm Non-Residential Owner Occupied | Special Mention
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,695	6,953
Real Estate | Non-Farm Non-Residential Owner Occupied | Substandard
Accounts Notes And Loans Receivable [Line Items]
Total loans	6,843	6,926
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total loans	463,618	445,308
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	454,476	428,972
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Special Mention
Accounts Notes And Loans Receivable [Line Items]
Total loans		8,338
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Substandard
Accounts Notes And Loans Receivable [Line Items]
Total loans	8,411	7,276
Real Estate | Non-Farm Non-Residential Non-Owner Occupied | Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Total loans	731	722
Real Estate | Residential
Accounts Notes And Loans Receivable [Line Items]
Total loans	225,649	213,264
Real Estate | Residential | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	224,593	212,109
Real Estate | Residential | Substandard
Accounts Notes And Loans Receivable [Line Items]
Total loans	1,056	1,069
Real Estate | Residential | Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Total loans		86
Real Estate | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Total loans	414,653	320,335
Real Estate | Construction, Development & Other | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	410,319	315,979
Real Estate | Construction, Development & Other | Substandard
Accounts Notes And Loans Receivable [Line Items]
Total loans	238	244
Real Estate | Construction, Development & Other | Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,096	4,112
Real Estate | Farmland
Accounts Notes And Loans Receivable [Line Items]
Total loans	13,467	9,934
Real Estate | Farmland | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	13,467	9,934
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Total loans	756,005	611,348
Commercial & Industrial | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	751,356	605,322
Commercial & Industrial | Special Mention
Accounts Notes And Loans Receivable [Line Items]
Total loans		1,146
Commercial & Industrial | Substandard
Accounts Notes And Loans Receivable [Line Items]
Total loans	4,588	4,816
Commercial & Industrial | Purchased Credit Impaired
Accounts Notes And Loans Receivable [Line Items]
Total loans	61	64
Consumer
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,304	4,001
Consumer | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	3,283	3,979
Consumer | Special Mention
Accounts Notes And Loans Receivable [Line Items]
Total loans	21	22
Other
Accounts Notes And Loans Receivable [Line Items]
Total loans	93,676	80,593
Other | Pass
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 93,676	$ 80,593

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses - Schedule of Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	$ 19,295	$ 11,979
Provision for loan losses	4,000	1,500
Charge-offs		(13)
Recoveries	17	5
Ending balance	23,312	13,471
Real Estate | Non-Farm Non-Residential Owner Occupied
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	3,456	2,608
Provision for loan losses	631	1,544
Ending balance	4,087	4,152
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	5,935	3,107
Provision for loan losses	(322)	1,025
Ending balance	5,613	4,132
Real Estate | Residential
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	957	1,218
Provision for loan losses	(191)	(280)
Ending balance	766	938
Real Estate | Construction, Development & Other
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	2,064	932
Provision for loan losses	260	(230)
Ending balance	2,324	702
Real Estate | Farmland
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	45	32
Provision for loan losses	(1)
Ending balance	44	32
Commercial & Industrial
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	6,500	3,858
Provision for loan losses	3,669	(538)
Recoveries		3
Recover	4
Ending balance	10,173	3,323
Consumer
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	6	35
Provision for loan losses	(14)	(23)
Recover	13
Ending balance	5	12
Other
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	332	189
Provision for loan losses	(32)	2
Charge-offs		(13)
Recover		2
Ending balance	$ 300	$ 180

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	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, individually evaluated for impairment	$ 297	$ 290
Allowance for loan losses, collectively evaluated for impairment	23,000	18,988
Allowance for loan losses, PCI evaluated for impairment	15	17
Allowance for loan losses, total	23,312	19,295	$ 13,471	$ 11,979
Real Estate | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	4,087	3,456
Allowance for loan losses, total	4,087	3,456	4,152	2,608
Real Estate | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	5,613	5,935
Allowance for loan losses, total	5,613	5,935	4,132	3,107
Real Estate | Residential
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	766	957
Allowance for loan losses, total	766	957	938	1,218
Real Estate | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	2,324	2,064
Allowance for loan losses, total	2,324	2,064	702	932
Real Estate | Farmland
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	44	45
Allowance for loan losses, total	44	45	32	32
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, individually evaluated for impairment	297	290
Allowance for loan losses, collectively evaluated for impairment	9,861	6,193
Allowance for loan losses, PCI evaluated for impairment	15	17
Allowance for loan losses, total	10,173	6,500	3,323	3,858
Consumer
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	5	6
Allowance for loan losses, total	5	6	12	35
Other
Accounts Notes And Loans Receivable [Line Items]
Allowance for loan losses, collectively evaluated for impairment	300	332
Allowance for loan losses, total	$ 300	$ 332	$ 180	$ 189

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	Mar. 31, 2022	Dec. 31, 2021
Accounts Notes And Loans Receivable [Line Items]
Total loans	$ 2,447,945	$ 2,068,724
Loan Impairment Methodology
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment individually	15,945	15,307
Loans evaluated for impairment collectively	2,431,939	2,053,352
Loans evaluated for impairment PCI	61	65
Total loans	2,447,945	2,068,724
Loan Impairment Methodology | Consumer
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment collectively	3,304	4,001
Total loans	3,304	4,001
Loan Impairment Methodology | Real Estate Loans | Non-Farm Non-Residential Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment individually	986	1,008
Loans evaluated for impairment collectively	476,587	382,933
Total loans	477,573	383,941
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	5,595	5,630
Loans evaluated for impairment collectively	458,023	439,678
Total loans	463,618	445,308
Loan Impairment Methodology | Real Estate Loans | Residential
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment individually	121	127
Loans evaluated for impairment collectively	225,528	213,137
Total loans	225,649	213,264
Loan Impairment Methodology | Real Estate Loans | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment individually	238	244
Loans evaluated for impairment collectively	414,415	320,091
Total loans	414,653	320,335
Loan Impairment Methodology | Real Estate Loans | Farmland
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment collectively	13,467	9,934
Total loans	13,467	9,934
Loan Impairment Methodology | Commercial And Industrial Loans
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment individually	9,005	8,298
Loans evaluated for impairment collectively	746,939	602,985
Loans evaluated for impairment PCI	61	65
Total loans	756,005	611,348
Loan Impairment Methodology | Other Loans
Accounts Notes And Loans Receivable [Line Items]
Loans evaluated for impairment collectively	93,676	80,593
Total loans	$ 93,676	$ 80,593

Loans and Allowance for Loan_13

Loans and Allowance for Loan Losses - Schedule of Acquisition of Loans (Details) - Heritage Bancorp Inc $ in Thousands	Jan. 01, 2020USD ($)
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	Mar. 31, 2022	Dec. 31, 2021
Accounts Notes And Loans Receivable [Line Items]
Total outstanding balances	$ 6,086	$ 6,236
Carrying amount	4,888	4,984
Real Estate Loan Portfolio Segment | Non-Farm Non-Residential Non-Owner Occupied
Accounts Notes And Loans Receivable [Line Items]
Total outstanding balances	794	820
Real Estate Loan Portfolio Segment | Residential
Accounts Notes And Loans Receivable [Line Items]
Total outstanding balances	88	181
Real Estate Loan Portfolio Segment | Construction, Development & Other
Accounts Notes And Loans Receivable [Line Items]
Total outstanding balances	5,141	5,169
Commercial & Industrial
Accounts Notes And Loans Receivable [Line Items]
Total outstanding balances	$ 63	$ 66

Loans and Allowance for Loan_15

Loans and Allowance for Loan Losses - Schedule of Accretable Yield Collected on PCI Loans (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Receivables [Abstract]
Balance at beginning of year	$ 926	$ 2,261
Accretion of income	(45)	(1,335)
Balance at end of period	$ 881	$ 926

Premises and Equipment - Schedu

Premises and Equipment - Schedule of Premises and Equipment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 29,285	$ 26,961
Accumulated depreciation	(8,439)	(7,916)
Premises and equipment, Net	$ 20,846	19,045
Building And Building Improvements
Property Plant And Equipment [Line Items]
Premises and equipment, useful life	30 years
Premises and equipment, gross	$ 12,172	12,156
Building And Building Improvements | Minimum
Property Plant And Equipment [Line Items]
Premises and equipment, useful life	3 years
Building And 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	3,894
Equipment
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 4,638	4,308
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	$ 2,935	2,888
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	$ 2,803	2,541
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	$ 2,843	$ 1,174

Premises and Equipment - Additi

Premises and Equipment - Additional Information (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 522,000	$ 401,000

Deposits - Schedule of Deposit

Deposits - Schedule of Deposit Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Transaction accounts:
Noninterest bearing demand accounts	$ 931,622	$ 531,401
Interest bearing demand accounts	1,350,837	1,298,546
Savings	34,825	33,539
Total transaction accounts	2,317,284	1,863,486
Time deposits	269,885	277,713
Total deposits	$ 2,587,169	$ 2,141,199

Deposits - Additional Informati

Deposits - Additional Information (Details) - USD ($)	Mar. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
Time deposits in denominations of $250,000 or more	$ 118,600,000	$ 113,200,000
Aggregate amount of demand time deposits overdrafts	40,000	28,000
Deposits received from related parties	$ 16,700,000	$ 19,000,000

Deposit - Schedule Maturities o

Deposit - Schedule Maturities of time deposit (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Maturities of Time Deposits [Abstract]
2022 (nine months remaining)	$ 212,906
2023	50,703
2024	2,811
2025	1,476
2026	1,675
2027 and thereafter	314
Time deposits	$ 269,885	$ 277,713

Income Taxes - Additional Infor

Income Taxes - Additional Information (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Income Tax Disclosure [Abstract]
Income tax provision expense	$ 608,000	$ 1,354,000
Effective tax rate	22.60%	21.00%

FHLB Advances and Other Borro_3

FHLB Advances and Other Borrowings - Additional Information (Details) - USD ($)	Mar. 10, 2021	Dec. 24, 2019	Aug. 31, 2021	Mar. 31, 2022	Dec. 31, 2021	Aug. 30, 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	$ 1,000,000
Loan and investment securities collateralize				760,800,000	601,000,000
Maximum borrowing capacity under federal fund line of credit				50,500,000	50,500,000
Outstanding letters of credit with FHLB				$ 97,500,000
Minimum
Federal Home Loan Bank Advances [Line Items]
Federal home loan bank letter of credit expiration date				2022-04
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		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
Subordinated Promissory Note One
Federal Home Loan Bank Advances [Line Items]
Promissory note			$ 2,000,000
Promissory note maturity date			Sep. 27, 2022
Debt instrument fixed interest rate						6.00%
Frequency of periodic interest payment				Quarterly interest payments for the $2,000,000 note were due on the 27th day of March, June, September and December.
Subordinated Promissory Note Two
Federal Home Loan Bank Advances [Line Items]
Promissory note			$ 11,000,000
Promissory note maturity date			Jul. 29, 2022
Debt instrument fixed interest rate						6.00%
Frequency of periodic interest payment				Quarterly interest payments for the $11,000,000 note were due on the 29th day of March, June, September and December.
Subordinated Notes due 2032
Federal Home Loan Bank Advances [Line Items]
Promissory note maturity date				Apr. 1, 2032
Debt instrument fixed interest rate				5.50%
Frequency of periodic interest payment				the Company will pay interest on the Notes semi-annually in arrears on April 1 and October 1 of each year, commencing on October 1, 2022, at a fixed interest rate of 5.500% per annum.
Subordinated notes aggregate principal amount				$ 82,250,000
Unamortized debt issuance costs				1,743,000
Outstanding principal				$ 80,507,000
Amortization period for debt issuance costs				10 years
Deb instrument, redemption price				100.00%
Debt redeemtion start date				Apr. 1, 2027
Subordinated notes description				The floating interest rate will be reset quarterly, and the interest rate for any Floating Rate Period shall be equal to the then-current Three-Month Term SOFR (as defined in the Indenture) plus 315 basis points for each quarterly interest period during the Floating Rate Period. Interest payable on the Notes during the Floating Rate Period will be paid quarterly in arrearson January 1, April 1, July 1 and October 1, of each year, commencing on July 1, 2027. Notwithstanding the foregoing, in the event that Three-Month Term SOFR (or such other applicable benchmark rate) is less than zero, then Three-Month Term SOFR (or such other applicable benchmark rate) rate shall be deemed to be zero.
Subordinated notes variable interest rate percentage				plus 315 basis points
Subordinated notes commencement date				Oct. 1, 2022
Debt instrument purchasers price equal to face amount				100.00%

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	Mar. 31, 2022	Dec. 31, 2021
Federal Home Loan Banks [Abstract]
2027 and thereafter	$ 50,000
Advances from Federal Home Loan Banks, Total	50,000	$ 50,000
2022 (nine months remaining)	1,000
2027 and thereafter	80,507
Other Borrowings, Total	$ 81,507

Stock Options and Warrants - Ad

Stock Options and Warrants - Additional Information (Details) $ / shares in Units, $ in Thousands	May 20, 2021shares	Jan. 01, 2020shares	Jul. 31, 2018shares	Mar. 31, 2022USD ($)$ / sharesshares	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)$ / 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
Vesting Period				4 years
Risk-free interest rate minimum				1.45%	0.70%
Risk-free interest rate maximum				1.76%	1.42%
Dividend yield rate				0.00%	0.00%
Estimated volatility rate				10.00%	10.00%
Expected lives of options				7 years 6 months	7 years 6 months
Stock-based compensation expense | $				$ 118,000	$ 69,000
Unrecognized compensation costs related non-vested stock | $				2,100
Total intrinsic value of outstanding in-the-money stock options | $				6,600
Total intrinsic value of outstanding in-the-money stock options | $						$ 5,800
Intrinsic value outstanding in-the-money exercisable stock options | $				4,100		$ 3,000
Intrinsic value of stock options exercised | $				$ 24,000	80,000
Contractual term				10 years
Weighted average remaining contractual life of stock warrants outstanding				1 year 3 months
Warrants Exercisable Year				10 years
Warrants expires date				Jul. 1, 2023
Directors, Executive Officers and Other Key Employees [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Expiration period				10 years
Vesting Period				5 years
RSAs
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stock-based compensation expense | $				$ 161,000	$ 0
Total unrecognized compensation cost related to nonvested restricted stock awards | $				$ 1,600
Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition				9 years 7 months 24 days
Minimum | Directors, Executive Officers and Other Key Employees [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Granted exercise price | $ / shares				$ 16.30		$ 16.30
Minimum | RSAs
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Vesting Period				2 years
Maximum | Directors, Executive Officers and Other Key Employees [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Granted exercise price | $ / shares				$ 25.76		$ 25.76
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				187,891
2017 Non-Employee Director Stock Option 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 five 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
2017 Non-Employee Director Stock Option Plan | Common Stock
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of shares authorized to grant			150,000
2017 Non-Employee Director Stock Option 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	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stock options grant	22,500	788,250
Weighted-average grant date fair value of options granted during the period	$ 6.75	$ 3.15
Underlying Options Shares
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Outstanding at beginning of period	1,220,428	660,251
Stock options grant	22,500	788,250
Forfeited during the period	(37,500)	(144,903)
Exercised during the period	(3,500)	(83,170)
Outstanding at the end of period	1,201,928	1,220,428
Options exercisable at end of period	452,738	361,758
Outstanding at beginning of period	$ 17.83	$ 14.37
Granted during the period	22.38	20.22
Forfeited during the period	24	17.55
Exercised during the period	15.65	13.48
Outstanding at the end of period	17.73	17.83
Options exercisable at end of period	14.12	13.59
Weighted-average grant date fair value of options granted during the period	$ 6.75	$ 3.15

Stock Options and Warrants - Sc

Stock Options and Warrants - Schedule of Weighted Average Remaining life (Details) - Underlying Options Shares - $ / shares	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Options Outstanding	1,201,928	1,220,428	660,251
Weighted Average Remaining Life (years)	7 years 6 months 18 days	8 years 1 month 9 days
Options Exercisable	452,738	361,758
$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	164,223	162,223
Weighted Average Remaining Life (years)	2 years 9 months 25 days	5 years 1 month 24 days
Options Exercisable	161,723	162,223
$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	493,955	496,955
Weighted Average Remaining Life (years)	7 years 2 months 23 days	7 years 5 months 23 days
Options Exercisable	291,015	199,535
$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	543,750	561,250
Weighted Average Remaining Life (years)	9 years 3 months 3 days	9 years 6 months 7 days

Stock Options and Warrants - _2

Stock Options and Warrants - Schedule of Nonvested Share Activity (Details) - $ / shares	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Share-based Payment Arrangement [Abstract]
Shares Nonvested at January 1,	858,670	262,670
Shares Granted during the period	22,500	788,250
Shares Vested during the period	(93,880)	(72,500)
Shares Forfeited during the period	(38,100)	(119,750)
Shares Nonvested at end of period	749,190	858,670
Weighted Average Grant Date Fair Value, Nonvested at the beginning of period	$ 3.15
Weighted Average Grant Date Fair Value Nonvested at January 1	3.15	$ 3.04
Weighted Average Grant Date Fair Value Granted during the period	6.75	3.15
Weighted Average Grant Date Fair Value 'Vested during the period	2.81	3.17
Weighted Average Grant Date Fair Value Forfeited during the period	3.76	2.88
Weighted Average Grant Date Fair Value Nonvested at end of period	$ 3.27	$ 3.15

Stock Options and Warrants - _3

Stock Options and Warrants - Schedule Of Stock Warrant Activity (Details) - Underlying Warrants - $ / shares	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Shares Underlying Warrants Outstanding at beginning of period	4,285	6,000
Shares Underlying Warrants Exercised		(1,715)
Shares Underlying Warrants Outstanding at end of period	4,285	4,285
Shares Underlying Warrants Exercisable at end of period	4,285	4,285
Weighted- Average Exercise Price, Outstanding at beginning of period	$ 11	$ 11
Weighted- Average Exercise Price, Exercised		11
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) - $ / shares	3 Months Ended	12 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Grant Date Fair Value, Nonvested at the beginning of period	$ 3.15
Weighted Average Grant Date Fair Value, Nonvested at the end of period		$ 3.15
RSAs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares Nonvested at beginning of period	77,882	49,750
Shares Granted during the period	28,132	49,750
Shares Nonvested at the end of period	77,882	49,750
Weighted Average Grant Date Fair Value, Nonvested at the beginning of period	$ 24
Weighted Average Grant Date Fair Value, Granted during the period	24.70	$ 24
Weighted Average Grant Date Fair Value, Nonvested at the end of period	$ 24.25	$ 24

Leases - Additional Information

Leases - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Jan. 01, 2022
Lessee, Lease, Description [Line Items]
Operating lease ROU asset	$ 10,700		$ 11,000
Operating lease liability	$ 10,629		$ 10,900
Weighted average discount rate	4.00%
Weighted average remaining lease term	9 years 2 months 12 days
Operating lease expense	$ 791,000	$ 300,000
Minimum
Lessee, Lease, Description [Line Items]
Operating leases term	6 months
Maximum
Lessee, Lease, Description [Line Items]
Operating leases term	120 months

Leases - Schedule of Lease Cost

Leases - Schedule of Lease Costs (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)
Leases [Abstract]
Operating lease cost	$ 600
Short-term lease cost	191
Total lease cost	$ 791

Leases - Contractual Maturity f

Leases - Contractual Maturity for Operating Leases (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Jan. 01, 2022
Leases [Abstract]
2022 (nine months remaining)	$ 1,197
2023	1,926
2024	2,144
2025	2,133
2026	2,179
2027 and thereafter	11,840
Total undiscounted lease liability	21,419
Discount on cash flows	(2,121)
Lease signed, but not yet commenced	(8,669)
Total operating lease liability	$ 10,629	$ 10,900

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 ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Total	$ 901,375	$ 620,304
Standby Letters of Credit
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Total	9,522	14,144
Commitments to Extend Credit
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Total	$ 891,853	$ 606,160

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Details) - USD ($)	Mar. 31, 2022	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Impaired loans with carrying value	$ 16,006,000	$ 15,372,000
Valuation allowances	312,000	307,000
Net fair value	15,700,000	15,100,000
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 ($)	Mar. 31, 2022	Dec. 31, 2021
Securities available for sale:
Total investment securities available for sale	$ 126,218,000	$ 26,432,000
Loans held for sale	0	0
State and Muncipal Securities
Securities available for sale:
Total investment securities available for sale	424,000	1,094,000
U.S. Treasury Bonds
Securities available for sale:
Total investment securities available for sale	101,082,000
Mortgage Backed Securities
Securities available for sale:
Total investment securities available for sale	761,000	811,000
Corporate Bonds
Securities available for sale:
Total investment securities available for sale	23,951,000	24,527,000
Fair Value, Recurring
Securities available for sale:
Total investment securities available for sale	126,218,000	26,432,000
Loans held for sale		2,844,441,000
Asset derivatives:
Asset derivatives	3,873,000	389,000
Liability derivatives:
Liability derivatives	3,909,000	389,000
Fair Value, Recurring | State and Muncipal Securities
Securities available for sale:
Total investment securities available for sale	424,000	1,094,000
Fair Value, Recurring | U.S. Treasury Bonds
Securities available for sale:
Total investment securities available for sale	101,082,000
Fair Value, Recurring | Mortgage Backed Securities
Securities available for sale:
Total investment securities available for sale	761,000	811,000
Fair Value, Recurring | Corporate Bonds
Securities available for sale:
Total investment securities available for sale	23,951,000	24,527,000
Fair Value, Recurring | Interest Rate Swaps
Asset derivatives:
Asset derivatives	3,872,000	389,000
Liability derivatives:
Liability derivatives	3,872,000	389,000
Fair Value, Recurring | Risk Participation Agreements
Asset derivatives:
Asset derivatives	1,000
Liability derivatives:
Liability derivatives	37,000
Fair Value, Recurring | Level 2 Inputs
Securities available for sale:
Total investment securities available for sale	126,218	26,432
Asset derivatives:
Asset derivatives	3,873,000	389,000
Liability derivatives:
Liability derivatives	3,909,000
Fair Value, Recurring | Level 2 Inputs | State and Muncipal Securities
Securities available for sale:
Total investment securities available for sale	424,000	1,094,000
Fair Value, Recurring | Level 2 Inputs | U.S. Treasury Bonds
Securities available for sale:
Total investment securities available for sale	101,082,000
Fair Value, Recurring | Level 2 Inputs | Mortgage Backed Securities
Securities available for sale:
Total investment securities available for sale	761,000	811
Fair Value, Recurring | Level 2 Inputs | Corporate Bonds
Securities available for sale:
Total investment securities available for sale	23,951	24,527
Fair Value, Recurring | Level 2 Inputs | Interest Rate Swaps
Asset derivatives:
Asset derivatives	3,872,000	389
Liability derivatives:
Liability derivatives	3,872,000	389,000
Fair Value, Recurring | Level 2 Inputs | Risk Participation Agreements
Asset derivatives:
Asset derivatives	1,000
Liability derivatives:
Liability derivatives	$ 37,000
Fair Value, Recurring | Level 2 Inputs | Pay-fixed Interest Rate Swaps
Liability derivatives:
Liability derivatives		389,000
Fair Value, Recurring | Fair Value, Inputs, Level 3 [Member]
Securities available for sale:
Loans held for sale		$ 2,844,441,000

Fair Value Measurements - Sum_2

Fair Value Measurements - Summary of Foreclosed Assets Remeasured and Recorded at Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Foreclosed assets remeasured subsequent to initial recognition:
Carrying value of foreclosed assets prior to remeasurement	$ 1,666	$ 1,676
Fair value of foreclosed assets remeasured subsequent to initial recognition	$ 1,666	$ 1,676

Fair Value Measurements - Sum_3

Fair Value Measurements - Summary of Estimated Fair Values and Carrying Values of Financial Instruments (Details) - USD ($)	Mar. 31, 2022	Dec. 31, 2021
Financial assets
Cash and cash equivalents	$ 371,320,000	$ 327,025,000
Interest bearing time deposits in other banks	132,000	131,000
Investment securities available for sale	126,218,000	26,432,000
Non-marketable securities	11,327,000	7,527,000
Accrued interest receivable	12,648,000	10,228,000
Bank-owned life insurance	26,671,000	26,528,000
Total assets	3,040,388,000	2,499,412,000
Loans, including held for sale, net	2,424,633,000	2,049,429,000
Financial liabilities
Deposits	2,587,169,000	2,141,199,000
Accrued interest payable	387,000	437,000
FHLB advances	50,000,000	50,000,000
Total liabilities	2,739,185,000	2,200,405,000
Carrying Value | Level 2 Inputs
Financial assets
Cash and cash equivalents	371,320,000	327,025,000
Interest bearing time deposits in other banks	132	131
Investment securities available for sale	126,218	26,432
Non-marketable securities	11,327	7,527
Accrued interest receivable	12,648	10,228
Bank-owned life insurance	26,671	26,528
Derivative instruments assets	3,873	389
Total assets	552,189	398,260
Financial liabilities
Deposits	2,587,169,000	2,141,199,000
Accrued interest payable	387,000	437,000
FHLB advances	50,000,000	50,000,000
Notes payable	81,507	1,000
Derivative instrument liabilities	3,909	389
Total liabilities	2,722,972	2,193,025
Carrying Value | Level 3 Inputs
Financial assets
Loans, including held for sale, net	2,424,633,000	2,049,429,000
Estimated Fair Value | Level 2 Inputs
Financial assets
Cash and cash equivalents	371,320,000	327,025,000
Interest bearing time deposits in other banks	132	131
Investment securities available for sale	126,218	26,432
Non-marketable securities	11,327	7,527
Accrued interest receivable	12,648	10,228
Bank-owned life insurance	26,671	26,528
Derivative instruments assets	3,873	389
Total assets	552,189	398,260
Financial liabilities
Deposits	2,587,827,000	2,141,999,000
Accrued interest payable	387,000	437,000
FHLB advances	50,000,000	50,000,000
Notes payable	81,507	1,000
Derivative instrument liabilities	3,909	389
Total liabilities	2,723,630	2,193,825
Estimated Fair Value | Level 3 Inputs
Financial assets
Loans, including held for sale, net	$ 2,391,904,000	$ 2,023,761,000

Significant Group Concentrati_2

Significant Group Concentrations of Credit Risk - Additional Information (Details) - USD ($)	Mar. 31, 2022	Dec. 31, 2021
Concentration Risk [Line Items]
Federal funds sold	$ 1,538,000	$ 292,000
Uninsured deposit	$ 244,300,000	$ 189,700,000

Employee Benefit Plans - Additi

Employee Benefit Plans - Additional Information (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Postemployment Benefits [Abstract]
Estimated fair value of cash obligation			$ 2,300,000
Increase in fair value of ESOP shares			$ 317,000
Number of shares held by ESOP	124,132
Unallocated shares	0
Plan released shares committed	11,361
Fair value of shares committed to be released	$ 266,000
Contributions to ESOP	330,000	$ 178,000
Administrative expense related to ESOP	$ 10,000	$ 0

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Dec. 31, 2021
Related Party Transactions [Abstract]
Aggregate amounts of loans to related parties	$ 596,000	$ 569,000
Loan originations to related parties	50,000
Repayments to related party loans	23,000
Related party unfunded commitments	$ 150,000	$ 0

Shareholders' Equity and Regula

Shareholders' Equity and Regulatory Matters - Additional Information (Details) - USD ($) $ / shares in Units, $ in Millions	Nov. 17, 2021	Nov. 09, 2021	Aug. 27, 2021	Aug. 27, 2021	Mar. 31, 2022	Jun. 30, 2021
Subsidiary, Sale of Stock [Line Items]
Repayments of Long-term Debt					$ 32.5
Senior Debt
Subsidiary, Sale of Stock [Line Items]
Repayments of Senior Debt					$ 19.5
Debt due date					Sep. 10, 2022
Subordinated Debt One
Subsidiary, Sale of Stock [Line Items]
Repayments of Subordinated Debt					$ 11
Debt due date					Jul. 29, 2022
Subordinated Debt Two
Subsidiary, Sale of Stock [Line Items]
Repayments of Subordinated Debt					$ 2
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			$ 70.5	$ 65.1		$ 5.4
IPO
Subsidiary, Sale of Stock [Line Items]
Share issued and sold		4,025,000
Shares issued, price per share		$ 25
Aggregate gross proceeds		$ 100.6
Aggregate net proceeds from issuance of common stock		92
Underwriting discounts and offering expenses		$ 8.6
IPO | RSAs
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		Mar. 31, 2022USD ($)	Dec. 31, 2021USD ($)
Banking Regulation, Tier One Risk-Based Capital [Abstract]
Total capital (to risk weighted assets), Actual, Amount		$ 379,530	$ 288,022
Total capital (to risk weighted assets), Actual, Ratio		13.2	13.5
Total capital (to risk weighted assets), For Capital Adequacy Purposes, Amount		$ 302,763	$ 223,444
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		$ 288,336	$ 212,804
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		$ 356,218	$ 268,727
Tier I capital (to risk weighted assets), Actual, Ratio		12.4	12.6
Tier I capital (to risk weighted assets), For Capital Adequacy Purposes, Amount		$ 245,086	$ 180,883
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		$ 230,669	$ 170,243
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]	$ 356,218	$ 268,727
Tier I capital (to average assets), Actual, Ratio	[2]	13.7	12.3
Tier I capital (to average assets), For Capital Adequacy Purposes, Amount	[2]	$ 104,281	$ 87,602
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]	$ 130,351	$ 109,503
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		$ 356,218	$ 268,727
Common equity tier 1 (to risk weighted assets), Actual, Ratio		12.4	12.6
Common equity tier 1 (to risk weighted assets), For Capital Adequacy Purposes, Amount		$ 201,835	$ 148,962
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		$ 187,418	$ 138,322
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)	Mar. 31, 2022	Dec. 31, 2021
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 ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Earnings Per Share [Abstract]
Net income available to common shareholders	$ 2,087	$ 5,096
Weighted-average shares outstanding for basic earnings per common share	13,385,324	6,280,854
Dilutive effect of stock compensation	369,702	83,817
Weighted-average shares outstanding for diluted earnings per common share	13,755,026	6,364,671

Derivative Financial Instrume_3

Derivative Financial Instruments - Additional Information (Details) - USD ($)	Feb. 18, 2021	Mar. 31, 2022	Dec. 31, 2021
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		$ 51,000
Collateral for derivative financial instruments		$ 730,000	$ 730,000

Derivative Financial Instrume_4

Derivative Financial Instruments - Schedule of Outstanding Notional Balances and Fair Values of Outstanding Derivative Positions (Details) - USD ($) $ in Thousands		3 Months Ended	12 Months Ended
		Mar. 31, 2022	Dec. 31, 2021
Derivatives Fair Value [Line Items]
Contract maturity date		Sep. 4, 2025
Pay Fixed Interest Rate Swap
Derivatives Fair Value [Line Items]
Pay Rate	[1],[2]	0.20%	0.20%
Remaining Term	[1],[3]	3 years 4 months 24 days	3 years 8 months 12 days
Pay Fixed Interest Rate Swap | Designated as Hedging Instrument
Derivatives Fair Value [Line Items]
Receive rate index description	[1],[2]	USD FedFunds-H.15	USD FedFunds-H.15
Risk Participation Agreements Purchased
Derivatives Fair Value [Line Items]
Outstanding Notional Balance		$ 11,739
Asset Derivative Fair Value		$ 1
Remaining Term	[3]	3 years
Risk Participation Agreements Sold
Derivatives Fair Value [Line Items]
Outstanding Notional Balance		$ 30,000
Liability Derivative Fair Value		$ 37
Remaining Term	[3]	5 years
Commercial Loan Interest Rate Swaps
Derivatives Fair Value [Line Items]
Outstanding Notional Balance		$ 324,819	$ 155,174
Asset Derivative Fair Value		3,873	389
Liability Derivative Fair Value		3,909	389
Commercial Loan Interest Rate Swaps | Loan Customer Counterparty | Not Designated as Hedging Instrument
Derivatives Fair Value [Line Items]
Outstanding Notional Balance		141,540	77,587
Liability Derivative Fair Value		$ 3,872	$ 389
Receive Rate	[2]	4.48%	4.21%
Remaining Term	[3]	5 years 4 months 24 days	7 years 7 months 6 days
Commercial Loan Interest Rate Swaps | Financial Institution Counterparty | Not Designated as Hedging Instrument
Derivatives Fair Value [Line Items]
Outstanding Notional Balance		$ 141,540	$ 77,587
Asset Derivative Fair Value		$ 3,872	$ 389
Pay Rate	[2]	4.48%	4.21%
Remaining Term	[3]	5 years 4 months 24 days	7 years 7 months 6 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 ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Dec. 31, 2020
Finite-Lived Intangible Assets [Line Items]
Goodwill	$ 18,034,000		$ 18,034,000
Intangible assets	1,252,000		$ 1,292,000
Heritage Bancorp Inc
Finite-Lived Intangible Assets [Line Items]
Goodwill				$ 18,033,880
Core Deposits
Finite-Lived Intangible Assets [Line Items]
Amortization expense	$ 40,000	$ 40,000
Weighted average life	7 years 9 months
Core Deposits | Heritage Bancorp Inc
Finite-Lived Intangible Assets [Line Items]
Intangible assets				$ 1,615,002

Goodwill and Core Deposit Int_4

Goodwill and Core Deposit Intangible, Net - Schedule of Amortization of Core Deposit Intangible (Details) - Core Deposits $ in Thousands	Mar. 31, 2022USD ($)
Finite-Lived Intangible Assets [Line Items]
2022 (nine months remaining)	$ 121
2023	162
2024	162
2025	162
2026	162
2027 and thereafter	483
Total	$ 1,252