USCB Financial (USCB) 10-K 24 Mar 22 2021 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Mar. 01, 2022
Document and Entity Information [Abstract]
Document Type	10-K
Document Annual Report	true
Current Fiscal Year End Date	--12-31
Document Period End Date	Dec. 31, 2021
Document Transition Report	false
Document Fiscal Year Focus	2021
Entity File Number	001-41196
Entity Registrant Name	USCB Financial Holdings, Inc.
Entity Incorporation State Country Code	FL
Entity Tax Identification Number	87-4070846
Entity Address Address Line 1	2301 NW 87th Avenue
Entity Address City Or Town	Doral
Entity Address State Or Province	FL
Entity Address Postal Zip Code	33172
City Area Code	305
Local Phone Number	715-5200
Security 12b Title	Class A Common Stock, $1.00 par value per share
Trading Symbol	USCB
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	true
Entity Ex Transition Period	false
Entity Shell Company	false
Entity Common Stock Shares Outstanding		20,000,753
Amendment Flag	false
Entity Central Index Key	0001901637
Document Fiscal Period Focus	FY
Entity Well Known Seasoned Issuer	No
Entity Voluntary Filers	No
Icfr Auditor Attestation Flag	false
Documents Incorporated By Reference [Text Block]	DOCUMENTS INCORPORATED BY REFERENCE Certain portions of the registrant’s Proxy Statement for the 2022 Annual Meeting of Shareholders (the “2022 Proxy Statement”) are incorporated by reference into Part III of this report.
Entity Public Float		$ 268.1
Auditor Name	Crowe LLP
Auditor Firm Id	173
Auditor Location	Fort Lauderdale, Florida

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2021	Dec. 31, 2020
Assets:
Cash and due from banks		$ 6,477	$ 9,828
Interest-bearing deposits in banks		39,751	37,906
Total cash & cash equivalents		46,228	47,734
Investment securities held to maturity (fair value $120,157)		122,658
Investment securities available for sale, at fair value		401,542	334,322
Federal Home Loan Bank stock, at cost		2,100	2,711
Loans held for investment, net of allowance of $15,057 and $15,086, respectively		1,175,024	1,023,418
Accrued interest receivable		5,975	5,547
Premises and equipment, net		5,278	6,347
Bank owned life insurance		41,720	25,961
Deferred tax asset, net		34,929	39,159
Lease right-of-use asset		14,185	14,513
Other assets		4,300	2,030
Total assets		1,853,939	1,501,742
Deposits:
Demand		605,425	442,467
Money market and savings accounts		703,856	527,373
Interest-bearing checking accounts		55,878	45,132
Time deposits over $250,000		119,401	104,140
Time deposits $250,000 or less		105,819	154,290
Total deposits		1,590,379	1,273,402
Federal Home Loan Bank advances		36,000	36,000
Lease liability		14,185	14,513
Accrued interest and other liabilities		9,478	6,826
Total liabilities		1,650,042	1,330,741
Commitments and contingencies (see Note 10 and 18)
Stockholders' Equity:
Additional paid-in capital on common stock	[1]	310,666	177,755
Accumulated deficit		(124,245)	(53,622)
Accumulated other comprehensive income (loss)		(2,516)	4,781
Total stockholders' equity		203,897	171,001
Total liabilities and stockholders' equity		1,853,939	1,501,742
Preferred Stock Class C [Member]
Stockholders' Equity:
Preferred stock			12,325
Preferred Stock Class D [Member]
Stockholders' Equity:
Preferred stock			12,291
Preferred Stock Class E [Member]
Stockholders' Equity:
Preferred stock			7,461
Common Class A [Member]
Stockholders' Equity:
Common stock	[1]	19,992	3,889
Common Class B [Member]
Stockholders' Equity:
Common stock			$ 6,121
[1]	(1) Note 13 "Stockholders' Equity" for further discussion

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / sharesshares
Investment securities held to maturity, fair value | $	$ 120,157
Loans held for investment, allowance | $	$ 15,057	$ 15,086
Preferred stock, share outstanding	0
Common stock, par value | $ / shares	$ 1
Preferred Stock Class C [Member]
Preferred stock, par value | $ / shares	1	$ 1
Preferred stock, per share liquidation preference | $ / shares	$ 1,000	$ 1,000
Preferred stock, shares authorized	52,748	52,748
Preferred stock, shares issued	0	52,748
Preferred stock, share outstanding	0	52,748
Preferred Stock Class D [Member]
Preferred stock, par value | $ / shares	$ 1	$ 1
Preferred stock, per share liquidation preference | $ / shares	$ 5	$ 5
Preferred stock, shares authorized	12,309,480	12,309,480
Preferred stock, shares issued	0	12,290,631
Preferred stock, share outstanding	0	12,290,631
Preferred Stock Class E [Member]
Preferred stock, par value | $ / shares	$ 1	$ 1
Preferred stock, per share liquidation preference | $ / shares	$ 1,000	$ 1,000
Preferred stock, shares authorized	3,185,024	3,185,024
Preferred stock, shares issued	0	7,500
Preferred stock, share outstanding	0	7,500
Common Class A [Member]
Common stock, par value | $ / shares	$ 1	$ 1
Common stock, shares authorized	45,000,000	45,000,000
Common stock, shares issued	19,991,753	3,889,469
Common stock, shares outstanding	19,991,753	3,889,469
Common stock, stock split conversion ratio	0.2	0.2
Common Class B [Member]
Common stock, par value | $ / shares	$ 1	$ 1
Common stock, shares authorized	8,000,000	8,000,000
Common stock, shares issued	0	6,121,052
Common stock, shares outstanding	0	6,121,052

Consolidated Statements of Oper

Consolidated Statements of Operations - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020
Interest income:
Loans, including fees		$ 48,730	$ 47,078
Investment securities		7,886	5,248
Interest-bearing deposits in financial institutions		106	307
Total interest income		56,722	52,633
Interest expense:
Interest-bearing deposits		59	158
Savings and money market accounts		2,082	3,095
Time deposits		1,531	4,709
Federal Home Loan Bank advances		554	1,074
Total interest expense		4,226	9,036
Net interest income before provision for credit losses		52,496	43,597
Provision for credit losses		160	(3,250)
Net interest income after provision for credit losses		52,656	40,347
Non-interest income:
Service fees		3,609	3,266
Gain on sale of securities available for sale, net		214	434
Gain on sale of loans held for sale, net		1,626	839
Gain on sale of premises and equipment, net		983
Loan settlement		2,500
Other non-interest income		1,766	1,558
Total non-interest income		10,698	6,097
Non-interest expense:
Salaries and employee benefits		21,438	19,204
Occupancy		5,257	5,656
Regulatory assessment and fees		783	691
Consulting and legal fees		1,454	1,045
Network and information technology services		1,466	1,536
Other operating		5,279	4,904
Total non -interest expense		35,677	33,036
Net income before income tax expense		27,677	13,408
Income tax expense		6,600	2,588
Net income		21,077	10,820
Preferred stock dividend		2,077	3,127
Exchange and redemption of preferred shares		89,585
Net income (loss) available to common stockholders		(70,585)	7,693
Common Class A [Member]
Non-interest expense:
Net income (loss) available to common stockholders		$ (70,585)	$ 7,693
Per share information:
Net income (loss) per share, basic	[1],[2]	$ (6.72)	$ 1.51
Net income (loss) per share, diluted	[1],[2]	$ (6.72)	$ 1.50
Common Class B [Member]
Non-interest expense:
Net income (loss) available to common stockholders			$ 7,693
Per share information:
Net income (loss) per share, basic	[1]	$ 0	$ 0.30
Net income (loss) per share, diluted	[1]	$ 0	$ 0.30
[1]	(1)
[2]	(2) common stock were adjusted to reflect the 1

Consolidated Statements of Op_2

Consolidated Statements of Operations (Parenthetical)	Dec. 21, 2021	Jun. 16, 2021	Dec. 31, 2021	Dec. 31, 2020
Common Class A [Member]
Common stock, stock split conversion ratio	5	0.2	0.2	0.2

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 21,077	$ 10,820
Other comprehensive income (loss):
Unrealized gain (loss) on investment securities	(9,561)	4,175
Amortization of net unrealized gains on securities transferred from available-for-sale to held-to-maturity	108
Reclassification adjustment for gain included in net income	(214)	(434)
Tax effect	2,370	(917)
Total other comprehensive income (loss), net of tax	(7,297)	2,824
Total comprehensive income	$ 13,780	$ 13,644

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Total	Preferred Stock [Member]	Common Stock [Member]	Additional Paid-In Capital On Common Stock [Member]	Accumulated Deficit [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Cumulative Effect Period Of Adoption Adjusted Balance [Member]	Cumulative Effect Period Of Adoption Adjusted Balance [Member]Preferred Stock [Member]	Cumulative Effect Period Of Adoption Adjusted Balance [Member]Common Stock [Member]	Cumulative Effect Period Of Adoption Adjusted Balance [Member]Additional Paid-In Capital On Common Stock [Member]	Cumulative Effect Period Of Adoption Adjusted Balance [Member]Accumulated Deficit [Member]	Cumulative Effect Period Of Adoption Adjusted Balance [Member]Accumulated Other Comprehensive Income (Loss) [Member]
Balance at at Dec. 31, 2019	$ 160,282	$ 32,077	$ 10,008	$ 177,555	$ (61,315)	$ 1,957
Balance, shares at at Dec. 31, 2019		12,350,879	10,008,521
Net income	10,820				10,820
Other comprehensive income	2,824					2,824
Dividends - preferred stock	(3,127)				(3,127)
Stock based compensation	187			187
Exercise of stock options	$ 15		$ 2	13
Exercise of stock options, shares	2,000		2,000
Balance at at Dec. 31, 2020	$ 171,001	$ 32,077	$ 25,568	162,197	(53,622)	4,781	$ 171,001	$ 32,077	$ 10,010	$ 177,755	$ (53,622)	$ 4,781
Balance, shares at at Dec. 31, 2020		12,350,879	25,568,147					12,350,879	10,010,521
Reverse stock split 1 for 5 Common A, shares			15,557,626
Reverse stock split 1 for 5 Common A			$ (15,558)	15,558
Net income	21,077				21,077
Other comprehensive income	(7,297)					(7,297)
Dividends - preferred stock	(2,077)				(2,077)
Issuance of Class A common stock, net of offering costs of $6,048	39,826		$ 4,600	35,226
Issuance of Class A common stock, net of offering costs of $6,048, shares			4,600,000
Exchange of preferred stock		$ (22,154)	$ 10,279	92,501	(80,626)
Exchange of preferred stock, shares		(11,109,025)	10,278,072
Redemption of preferred stock	(18,920)	$ (9,923)			(8,997)
Redemption of preferred stock		(1,241,854)
Exchange of Class B to Class A common stock			$ (4,897)	4,897
Exchange of Class B to Class A common stock, shares			(4,896,840)
Stock based compensation	287			287
Balance at at Dec. 31, 2021	$ 203,897		$ 19,992	$ 310,666	$ (124,245)	$ (2,516)
Balance, shares at at Dec. 31, 2021		0	19,991,753

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parentheticals) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)
Issuance of Class A common stock, offering costs	$ 6,174
Common Class A [Member]
Common stock, stock split conversion ratio	0.2

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Cash flows from operating activities:
Net income	$ 21,077	$ 10,820
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	(160)	3,250
Depreciation and amortization	1,033	1,272
Amortization of premiums on securities, net	596	358
Accretion of deferred loan fees, net	(3,754)	(2,661)
Stock based compensation	287	187
Gain on sale of available for sale securities	(214)	(434)
Gain on sale of loans held for sale	(1,626)	(839)
Gain on sale of premises and equipment, net	(983)
Increase in cash surrender value of bank owned life insurance	(759)	(712)
Decrease in deferred tax asset	6,600	2,588
Net change in operating assets and liabilities:
Accrued interest receivable	(428)	(1,998)
Other assets	(2,270)	473
Accrued interest and other liabilities	2,652	798
Net cash provided by operating activities	22,051	13,102
Cash flows from investing activities:
Purchase of investment securities held to maturity	(57,917)
Proceeds from maturities and pay-down of investment securities held to maturity	3,736
Purchase of investment securities available for sale	(258,767)	(253,993)
Proceeds from maturities and pay-down of investment securities available for sale	61,047	48,441
Proceeds from sales of investment securities available for sale	48,940	55,169
Proceeds from call of investment securities available for sale	3,034	2,140
Net increase in loans held for investment	(33,515)	(42,527)
Purchase of loans held for investment	(129,531)
Additions to premises and equipment	(633)	(347)
Proceeds from the sale of loans held for sale	16,980	9,295
Proceeds from the sale of property	1,652
Proceeds from the redemption of Federal Home Loan Bank stock	611	4,972
Purchase of Federal Home Loan Bank stock		(1,926)
Purchase of bank owned life insurance	(15,000)
Net cash used in investment activities	(359,363)	(178,776)
Cash flows from financing activities:
Proceeds from issuance of Class A common stock, net	39,826	15
Cash dividends paid	(2,077)	(3,127)
Net increase in deposits	316,977	255,779
Proceeds from Federal Home Loan Bank advances		79,000
Repayments on Federal Home Loan Bank advances		(154,000)
Net cash provided by financing activities	335,806	177,667
Net increase (decrease) in cash and cash equivalents	(1,506)	11,993
Cash and cash equivalents at beginning of year	47,734	35,741
Cash and cash equivalents at end of year	46,228	47,734
Supplemental disclosures of cash flow information:
Interest paid	4,286	8,844
Supplemental schedule of non-cash investing and financing activities:
Transfer of loans held for investment to loans held for sale	15,354	8,456
Transfer of investment securities from available-for-sale to held-to-maturity	68,667
Transfer of premises and equipment to assets held for sale	652
Lease liability arising from obtaining right-of-use assets	328
Preferred Stock Class C [Member]
Cash flows from financing activities:
Redemption of Preferred stock	(5,275)
Supplemental schedule of non-cash investing and financing activities:
Exchange of stock for Class A common stock	47,473
Preferred Stock Class D [Member]
Cash flows from financing activities:
Redemption of Preferred stock	(6,145)
Supplemental schedule of non-cash investing and financing activities:
Exchange of stock for Class A common stock	55,308
Preferred Stock Class E [Member]
Cash flows from financing activities:
Redemption of Preferred stock	(7,500)
Common Class B [Member]
Supplemental schedule of non-cash investing and financing activities:
Exchange of stock for Class A common stock	$ 4,897

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	1. Overview USCB Financial Holdings, Inc., a owned subsidiary, is a Florida in South Florida. In December 2021, USCB Financial stock of the Bank. Each of the outstanding shares of 1.00 its shareholders were $ 1.00 The Company’s 10 -year life Company approved to amend the 2015 Option plan authorizing the issuance of an additional 3,000,000 stock and extending 5 to reflect 1 for 5 1,000,000 holding company issuance of an additional 1,400,000 The Company’s as December 31, 2020. Principles of Consolidation Intercompany transactions been prepared in accordance with U.S. Generally Accepted Initial Public Offering and Exchange and Redemption On July 27, 2021, began trading exchange outstanding preferred shares. In December 2021, common December 31, “Stockholders’ Equity” for further information about the IPO and Use of Estimates In preparing the consolidated financial statements, management is required on available information that affect the amounts reported The coronavirus (“COVID-19”) their ability to fulfill associates and customers to conduct banking and other financial transactions. as of December 31, 2021, if there is a resurgence in the virus, the Company could experience further adverse effects on its business, impact the with its associates and customers they arise. While there was December 31, 2021, economic quantify the Actual results could differ from those estimates. Cash and Cash Equivalents The equivalents. For due from banks, and interest-bearing deposits in banks. Restricted Cash The Company may reports restricted cash within cash and cash equivalents. Interest-Bearing Deposits in Other Financial Institutions Interest-bearing deposits in other financial institutions consist other accounts. Investment Securities Debt securities ability to hold to accounts for them on a trade date basis. Debt securities that and recorded at amortized cost. Trading securities are Securities not classified unrealized gains and must be classified as trading and recorded at fair value Purchase premiums and discounts are amortized or accreted over held-to-maturity considered in determining the estimated life of in the Consolidated on the sale of securities are recorded on trade date and are determined Declines temporary management considers several factors in their analysis including of security including any downgrade, (iii) intent to sell the security, or if it is more likely than not that it will be required to sell the securities. Federal Home Loan Bank (FHLB) Stock The Bank is a member of the FHLB system. Members are required to of borrowings and asset, and 2020, 2.1 2.7 cash and stock dividends are reported as interest income. Loans Held for Investment and Allowance for Credit Loans held for investment (“loans”) are reported at their outstanding principal fees, unearned method. amortized, using the interest method or the straight-line If the non-accrual status as of for restoration to accrual status. or interest restoration principal and interest of the remaining contractual principal and interest or the loan becomes secured and in the process of collection. All interest accrued but not on these unpaid principal, which may change as conditions dictate. The Company has determined that the entire balance of payment is not received by due loans until the date the loan goes into nonaccrual The Company provides for loan losses through a provision for credit losses charged to operations. When management believes that a recoveries, if any, The ACL Management uses a disciplined the Company loans analyzed on a pooled basis. The ACL consists • • • • • Residential borrower’s credit, capacity including: current ratio and credit history. The Company relies on appraisals in determining the value of the property. analysis and the diversity of the residential portfolio. Commercial real estate Underwriting worthiness of the borrower. service, other rates in geographic location and loan to value. Land and construction analysis will include the time to develop, sell or lease the property. securing the commercial real estate loans are diverse in Commercial inventory, and receivables. the debt based The Company mitigates the risk in the commercial portfo Foreign Banks Latin America. Most of these loans are for trade capital and have a includes a credit analysis, peer comparison and current borrower and country and a review of authorized term, have limited exposure, and are geographically dispersed. Other collateralized underwritten based on the credit worthiness of the borrower. In management evaluates on factors which, in changes in prevailing economic conditions, historical loss experience, size of the loan portfolio and the overall credit worthiness The ACL the general component for the ACL account for each segment The loan segments are determined based on a ten year look back period. The Company applies time cycle. The environmental factors. To tracks historical non-recurring pool. Management believes the loan portfolio in the normal course of business. Qualitative following are the factors used to adjust the historical loss • • • • • • • • • Changes in these factors could could differ materially from the amounts estimated In addition sheet risk, such as letters Consolidated Operations. experience and with off-balance sheet risk. A loan is considered unable to agreement or when the loan in determining impairment include payment status, collateral value, and the probability of interest payments when due. classified as impaired. Impairment is measured on a loan by loan basis by either the present value flows discounted at the loan's effective loan investment in the loan (outstanding principal balance plus accrued interest, net of previous charge-offs, and net of deferred loan fees or cost), impairment is recognized through an allowance In insignificant period of time to the borrower that would not On March 27, of the United borrowers impacted considered a TDR if the loan was not more than 30 days past executed March December 31, 2022. Banking regulators issued similar guidance clarifying that a COVID-19 a TDR if the borrower was current on payments at the time the considered short-term. See Note 3 “Loans” for additional disclosures In addition to the are identified as reserve is provided under the accounting guidance for loan in a TDR are also individually analyzed for estimated impairment. The Company's charge-off policy is to review all impaired loans ability to collateral dependent, investment in the loan is charged off. Concentration of Credit Risks Credit perform as contracted and any collateral or security proved to be insufficient (whether on or off-balance sheet) arising from financial instruments exist in relation to certain concentration arises when to meet contractual obligations to be similarly affected by changes in economic or other conditions. The Company does not have a significant exposure to any individual customer Most of the Company's business activity is State of Florida. The Company's loan portfolio is concentrated largely in real estate and commercial loans in South Florida. Many of the Company's the South Florida real estate industry portfolio. At December 31, top ten lending relationships 156.4 141.5 concentration represented 13.1 % and 13.6 %, respectively, At December 31, 47.9 foreign concentration of 38.8 Salvador. 28.9 18.2 2021 and 2020, respectively. At various times during to the Company from institution. Premises and Equipment, net Land is Depreciation is computed are amortized over the lives of these assets were as follows: Building 40 Furniture, fixtures and equipment 3 25 Computer hardware and software 3 5 Leasehold improvements Maintenance When items are retired or are removed from the accounts and any resulting gains or losses Other Real Estate Owned Other real estate held for sale and are initially recorded at establishing a assets are carried at the lower of carrying amount or fair value less cost to sell. Subsequent write-downs are recognized as a valuation allowance with the offset recorded in the Consolidated Statements of other real estate owned expenses OREO financing has been arranged. Bank Owned Life Insurance Bank owned sheet date, which is typically At December 31, 2021, the Company maintained BOLI policies with value 41.7 beneficiary of these policies. Employee 401(k) Plan The expense is the amount of matching contributions. Income Taxes Income taxes are accounted for under the for the assets and and temporary differences are expected to be recovered or in tax rates is recognized in income in the period that includes Management is required to based on the considers taxable loss of temporary differences, and available tax planning The Company recognizes positions taken guidance on tax liabilities, if any, would Impairment of Long-Lived Assets The Company's long-lived changes in circumstances to be held and flows expected to be generated by the asset. If the carrying amount of an asset exceeds its estimated future cash flows, an impairment charge asset. Assets lower of disposal group classified as held for Consolidated Balance Sheets. Transfer of Financial Assets Transfers of over presumptively transferee obtains the transferred agreement to repurchase them before their maturity or Comprehensive Income (Loss) Under available-for-sale, are equity comprehensive available-for-sale to held-to-maturity are recorded to accumulated other comprehensive amortized over the remaining life of is reported as a component of comprehensive income Advertising Costs Advertising costs are expensed as incurred. Earnings per Common Share Basic earnings number additional potential common shares issuable under vested stock options. Basic and diluted earnings per share are updated to reflect the effect of stock splits as occurred. See Note 14 “Earnings Per Share” for additional information on earnings per common share. See Note 13 “Stockholders’ Equity” for further Interest Income Interest income is recognized as earned, based upon the principal Operating Segments While the Company monitors financial performance make resource allocations or performance decisions by Company Stock-Based Compensation Stock based compensation accounting guidance requires transactions be recognized in the accompanying Consolidated the grant covers performance-based awards, share appreciation rights, and The stock-based compensation accounting guidance and recognized compensation cost Scholes model is used to estimate the fair value of stock Loss Contingencies Loss liabilities when the of management, none of these actions, either individually or in the aggregate, is expected to have a material adverse effect on the Company’s Consolidated Financial Statements. Dividend Restrictions Banking Company or by the Company to the shareholders. Fair Value Measurements Fair values fully disclosed in Note judgment. Changes in assumptions or in market conditions Derivative Instruments Derivative financial instruments are to information. The interest rate agreement allowing Company will enter into a matching agreement with a swaps are other noninterest income. Revenue from Contracts with Customers Revenue from to receive for the and investment Deposit and other transaction-based fees, are the recognized when the service provided by the this standard that is received from sources other than deposit Cash Flow Statement The Company reports the net activity rather than gross activity in the Consolidated cash flows deposits, accrued interest payable, other liabilities, and proceeds Reclassifications Certain presentation. Reclassifications had no impact on the net income Recently Issued Accounting Standards – Not Yet Measurement of Credit Losses on Financial Instruments In June Losses on Financial Instruments. This accounting standard update (“ASU” or “Update”) credit under U.S. GAAP statement Company 2022. Early adoption is permitted for fiscal years beginning after December 15, 2019, including interim periods within those fiscal financial statements general economic conditions, evaluating the impact of ASU will lead to significant changes the ACL. software solution to assist with the CECL estimation process, Reference Rate Reform In Reference Rate Reform 2021-01 which provides optional the effects 2022. The ASU will have material effects on our business

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2021
Investments Securities [Abstract]
Investment Securities	2. The following value of investment securities at the dates indicated (in For the year 28 sale 67.6 $ 68.7 1.1 impact to net income. Transfers of debt securities into the HTM category from the AFS category are made at fair value at the date of transfer. The unrealized gain or loss at the the carrying value of the held-to-maturity securities. Such amounts are amortized of December 31, HTM was $ 108 The following debt securities for the years ended December 31, 2021 and The indicated (in thousands). call or prepay separately. At December 31, stockholders’ equity obligations 2020. Information pertaining length of dates (in thousands): The unrealized 66.4 HTM portfolio during impact associated with changes in the cost basis upon The Company performs a review any changes in the than-temporary (“OTTI”) basis. Management considers several factors in their analysis including (i) severity and duration of the impairment, (ii) credit than not that it will be required to (v) underlying guarantor of the securities. The Company does not consider these in market recovery of required to sell the securities before maturity. As of December 31, 2021, the Company maintains a master repurchase agreement with a public banking institution for up 20.0 variable interest rate not have any securities pledged under this agreement. In 2018, the Company became a Qualified Public Depositor (“QPD”) with the State of Florida. As a QPD, the Company has the are Company must also maintain a minimum amount of At December 31, 2021, the eleven 20.4 of Florida under the public funds program. The Company held 37.3 At December 31, 2020, the Company had four 7.8 Florida under the public funds program. The Company held 14.1 December 31, 2021 Available-for-sale: Amortized Cost Unrealized Gains Unrealized Losses Fair Value U.S. Government Agency - SBA $ 10,564 $ 6 $ (50) $ 10,520 Collateralized mortgage obligations 160,506 22 (3,699) 156,829 Mortgage-backed securities - Residential 120,643 228 (2,029) 118,842 Mortgage-backed securities - Commercial 49,905 820 (608) 50,117 Municipal securities 25,164 6 (894) 24,276 Bank subordinated debt securities 27,003 1,418 (13) 28,408 Corporate bonds 12,068 482 - 12,550 $ 405,853 $ 2,982 $ (7,293) $ 401,542 Held-to-maturity: U.S. Government Agency - SBA $ 12,004 $ - $ (363) $ 11,641 U.S. Government Agency 22,501 14 (252) 22,263 Collateralized mortgage obligations 44,820 - (1,021) 43,799 Mortgage-backed securities - Residential 26,920 - (568) 26,352 Mortgage-backed securities - Commercial 3,103 - (90) 3,013 Corporate bonds 13,310 - (221) 13,089 $ 122,658 $ 14 $ (2,515) $ 120,157 December 31, 2020 Available-for-sale: Amortized Cost Unrealized Gains Unrealized Losses Fair Value U.S. Government Agency -SBA $ 1,488 $ 64 $ - $ 1,552 U.S. Government Agency 20,196 4 (168) 20,032 Collateralized mortgage obligations 104,426 386 (162) 104,650 Mortgage-backed securities - Residential 80,110 1,368 (177) 81,301 Mortgage-backed securities - Commercial 45,802 2,549 (20) 48,331 Municipal securities 24,230 39 (58) 24,211 Bank subordinated debt securities 24,004 631 (5) 24,630 Corporate bonds 27,733 1,882 - 29,615 $ 327,989 $ 6,923 $ (590) $ 334,322 Available-for-sale: 2021 2020 Proceeds from sales and call of securities $ 51,974 $ 57,309 Gross Gains $ 545 $ 862 Gross Losses (331) (428) Net realized gains $ 214 $ 434 Available-for-sale Held-to-maturity December 31, 2021: Amortized Cost Fair Value Amortized Cost Fair Value Due within one year $ 1,992 $ 2,036 $ 2,017 $ 2,013 Due after one year through five years 5,983 6,288 11,293 11,076 Due after five years through ten years 31,096 32,512 - - Due after ten years 25,164 24,398 - - U.S. Government Agency - SBA 10,564 10,520 12,004 11,641 U.S. Government Agency 22,501 22,263 Collateralized mortgage obligations 160,506 156,829 44,820 43,799 Mortgage-backed securities - Residential 120,643 118,842 26,920 26,352 Mortgage-backed securities - Commercial 49,905 50,117 3,103 3,013 $ 405,853 $ 401,542 $ 122,658 $ 120,157 December 31, 2021 Less than 12 months 12 months or more Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Government Agency - SBA $ 19,165 $ (146) $ - $ - $ 19,165 $ (146) U.S. Government Agency 6,786 (108) 15,477 (516) 22,263 (624) Collateralized mortgage obligations 155,668 (3,223) 38,459 (1,497) 194,127 (4,720) Mortgage-backed securities - Residential 88,772 (1,178) 37,373 (1,274) 126,145 (2,452) Mortgage-backed securities - Commercial 25,289 (318) 7,507 (309) 32,796 (627) Municipal securities 11,292 (395) 11,978 (499) 23,270 (894) Bank subordinated debt securities 4,487 (13) - - 4,487 (13) $ 311,459 $ (5,381) $ 110,794 $ (4,095) $ 422,253 $ (9,476) December 31, 2020 Less than 12 months 12 months or more Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Government Agency - SBA $ - $ - $ - $ - $ - $ - U.S. Government Agency 14,030 (168) - - 14,030 (168) Collateralized mortgage obligations 49,185 (162) - - 49,185 (162) Mortgage-backed securities - 41,611 (177) - - 41,611 (177) Mortgage-backed securities - 8,219 (20) - - 8,219 (20) Municipal securities 3,878 (58) - - 3,878 (58) Bank subordinated debt securities 995 (5) - - 995 (5) $ 117,918 $ (590) $ - $ - $ 117,918 $ (590)

Loans

Loans	12 Months Ended
	Dec. 31, 2021
Loans [Abstract]
Loans	90 Days and Still Accruing Total Accruing Non-Accrual Total Loans Residential real estate: Home equity line of credit and other $ 701 $ $ - $ 701 $ - $ 701 1-4 family residential 133,942 289 - 134,231 1,190 135,421 Condo residential 64,243 994 - 65,237 - 65,237 198,886 1,283 - 200,169 1,190 201,359 Commercial real estate: Land and construction 24,581 - 24,581 - 24,581 Multi family residential 127,053 436 - 127,489 - 127,489 Condo commercial 42,400 - 42,400 - 42,400 Commercial property 510,411 - 510,411 - 510,411 Leasehold improvements 107 - 107 - 107 704,552 436 - 704,988 - 704,988 Commercial and industrial: Secured 98,141 - - 98,141 - 98,141 Unsecured 48,041 410 - 48,451 - 48,451 146,182 410 - 146,592 - 146,592 Foreign banks 59,491 - - 59,491 - 59,491 Consumer and other 78,969 260 - 79,229 - 79,229 Total $ 1,188,080 $ 2,389 $ - $ 1,190,469 $ 1,190 $ 1,191,659 December 31, 2021 December 31, 2020 Unpaid Principal Balance Net Investment Balance Valuation Allowance Unpaid Principal Balance Net Investment Balance Valuation Allowance Impaired Loans with No Specific Allowance: Residential real estate $ 5,021 $ 5,035 $ - $ 5,100 $ 5,093 $ - Commercial real estate 696 695 - 733 732 - 5,717 5,730 - 5,833 5,825 - Impaired Loans with Specific Allowance: Residential real estate 3,985 3,950 178 5,339 5,302 220 Commercial and industrial 141 141 71 202 202 108 Consumer and other 224 224 111 278 278 125 4,350 4,315 360 5,819 5,782 453 Total $ 10,067 $ 10,045 $ 360 $ 11,652 $ 11,607 $ 453 2021 2020 Residential real estate $ 8,791 $ 6,869 Commercial real estate 714 1,722 Commercial and industrial 178 230 Consumer and other 254 56 Total $ 9,937 $ 8,877 December 31, 2021 December 31, 2020 Accrual Status Non-Accrual Status Total TDRs Accrual Status Non-Accrual Status Total TDRs Residential real estate $ 7,815 $ - $ 7,815 $ 8,884 $ 777 $ 9,661 Commercial real estate 696 - 696 733 - 733 Commercial and industrial 141 - 141 179 23 202 Consumer and other 224 - 224 278 - 278 Total $ 8,876 $ - $ 8,876 $ 10,074 $ 800 $ 10,874 Recorded Investment Prior to Modification Recorded Investment After Modification Number of Loans Total Modifications Number of Loans Total Modifications Residential real estate 6 $ 5,679 6 $ 5,679 Commercial real estate 1 451 1 451 Commercial and industrial 2 255 2 255 Consumer and other 1 279 1 275 10 $ 6,664 10 $ 6,660" id="sjs-B4">3. The following table is a summary of the distribution of At December 31, 2021 and 2020, the Company had $ 185.1 250.7 estate and residential mortgage loans pledged as collateral on lines of credit with the FHLB of Atlanta. At December 31, 2021 and 1.2 0 process of foreclosure. The Company was a participant loans. These had to be used towards payroll cost, mortgage interest, rent, utilities and other costs forgivable under specific criteria as determined by the SBA. 42.4 2021 104.8 loans had deferred loan fees of $ 1.5 1.8 The 4.5 3.1 December 31, Statements of Operations. The collateral type loan environmental factors that may cause estimated credit losses Changes thousands): Allowance for credit losses and the outstanding balances in thousands): Credit Quality Indicators The Company grades loans based on the estimated capability of the borrower to repay the contractual obligation of the loan agreement based payment periodically. The Company's internally assigned credit risk grades are as follows: Pass – Loans indicate different levels of satisfactory Special Mention close attention. If left uncorrected, these potential weaknesses prospects for the loan or of the institution’s Substandard – Loans classified as substandard are inadequately protected capacity of the obligator or of the collateral pledged, if weaknesses that jeopardize the liquidation of the debt. institution will sustain some loss if the deficiencies are Doubtful the added characteristic that the weaknesses make collection facts, conditions, and values, highly questionable and improbable. Loss – Loans classified as loss are considered uncollectible. Loan credit exposures by internally assigned grades are Loan Aging The Company The Company The following table include an aging analysis 2020 (in thousands): There was no Interest $ 5 47 There were no loans over 90 days past due and accruing Impaired Loans The following table includes applicable, on the basis of impairment methodology for the dates Net investment balance is the unpaid principal balance The following table presents the 2020 (in thousands): Interest income 415 and $ 446 Troubled Debt Restructuring A troubled concession for a borrower who is experiencing financial difficulty. The following table presents performing and non-performing The Company had 360 453 2021 18 thousand and $ 153 no The Company did not have any new TDR loans for the year ended December 31, 2021. For the year ended December 31, 2020, the Company had the following new TDR loans Modifications to combination to include more than one type of modification. As of December 31, 2021 and 2020, there were no defaults on loans which were modified as a TDR within months. CARES Act Modifications The interest Section 4013 of the CARES Act or under applicable interagency During the year ended December 31, 2020, the Company had modified 132 185.9 million. At December 31, 2020, two 777 two loans totaling $ 1.4 During COVID-19. At December 31, 2021, there was one 289 December 31, 2021 December 31, 2020 Total Percent of Total Total Percent of Total Residential Real Estate $ 201,359 16.9 % $ 232,754 22.3 % Commercial Real Estate 704,988 59.2 % 606,425 58.2 % Commercial and Industrial 146,592 12.3 % 157,330 15.1 % Foreign Banks 59,491 5.0 % 38,999 3.7 % Consumer and Other 79,229 6.6 % 5,507 0.5 % Total 1,191,659 100.0 % 1,041,015 99.8 % Less: Unearned income 1,578 2,511 Total 1,190,081 1,038,504 Less: Allowance for credit losses 15,057 15,086 Total $ 1,175,024 $ 1,023,418 Residential Real Estate Commercial Real Estate Commercial and Industrial Foreign Banks Consumer and Other Total December 31, 2021: Beginning balance $ 3,408 $ 9,453 $ 1,689 $ 348 $ 188 $ 15,086 Provision for credit losses (919) (695) 955 109 390 (160) Recoveries 238 149 5 392 Charge-offs (229) (18) (14) (261) Ending Balance $ 2,498 $ 8,758 $ 2,775 $ 457 $ 569 $ 15,057 December 31, 2020: Beginning balance $ 3,749 $ 6,591 $ 1,214 $ 332 $ 112 $ 11,998 Provision for credit losses (36) 2,861 321 16 88 3,250 Recoveries 168 1 307 18 494 Charge-offs (473) - (153) (30) (656) Ending Balance $ 3,408 $ 9,453 $ 1,689 $ 348 $ 188 $ 15,086 Residential Real Estate Commercial Real Estate Commercial and Industrial Foreign Banks Consumer and Other Total December 31, 2021: Allowance for credit losses: Individually evaluated for impairment $ 178 $ - $ 71 $ - $ 111 $ 360 Collectively evaluated for impairment 2,320 8,758 2,704 457 458 14,697 Balances, end of period $ 2,498 $ 8,758 $ 2,775 $ 457 $ 569 $ 15,057 Loans: Individually evaluated for impairment $ 9,006 $ 696 $ 141 $ - $ 224 $ 10,067 Collectively evaluated for impairment 192,353 704,292 146,451 59,491 79,005 1,181,592 Balances, end of period $ 201,359 $ 704,988 $ 146,592 $ 59,491 $ 79,229 $ 1,191,659 December 31, 2020: Allowance for credit losses: Individually evaluated for impairment $ 220 $ - $ 108 $ - $ 125 $ 453 Collectively evaluated for impairment 3,188 9,453 1,581 348 63 14,633 Balances, end of period $ 3,408 $ 9,453 $ 1,689 $ 348 $ 188 $ 15,086 Loans: Individually evaluated for impairment $ 10,439 $ 733 $ 202 $ - $ 278 $ 11,652 Collectively evaluated for impairment 222,315 605,692 157,128 38,999 5,229 1,029,363 Balances, end of period $ 232,754 $ 606,425 $ 157,330 $ 38,999 $ 5,507 $ 1,041,015 As of December 31, 2021 Pass Special Mention Substandard Doubtful Total Loans Residential real estate: Home equity line of credit ("HELOC") and other $ 701 $ - $ - $ - $ 701 1-4 family residential 130,840 - 4,581 - 135,421 Condo residential 65,237 - - - 65,237 196,778 - 4,581 - 201,359 Commercial real estate: Land and construction 24,581 - - - 24,581 Multi family residential 127,489 - - - 127,489 Condo commercial 41,983 - 417 - 42,400 Commercial property 509,189 1,222 - - 510,411 Leasehold improvements 107 - - - 107 703,349 1,222 417 - 704,988 Commercial and industrial: (1) Secured 97,605 - 536 - 98,141 Unsecured 48,434 - 17 - 48,451 146,039 - 553 - 146,592 Foreign banks 59,491 - - - 59,491 Consumer and other loans 79,005 - 224 - 79,229 Total $ 1,184,662 $ 1,222 $ 5,775 $ - $ 1,191,659 (1) As of December 31, 2020 Pass Special Mention Substandard Doubtful Total Loans Residential real estate: Home equity line of credit ("HELOC") and other $ 905 $ - $ - $ - $ 905 1-4 family residential 151,940 - 6,748 - 158,688 Condo residential 73,016 - 145 - 73,161 225,861 - 6,893 - 232,754 Commercial real estate: Land and construction 37,348 - - - 37,348 Multi family residential 111,047 - - - 111,047 Condo commercial 37,171 - 442 - 37,613 Commercial property 415,967 - 803 - 416,770 Leasehold improvements 3,647 - - - 3,647 605,180 - 1,245 - 606,425 Commercial and industrial: (1) Secured 44,255 - 202 - 44,457 Unsecured 112,842 - 31 - 112,873 157,097 - 233 - 157,330 Foreign banks 38,999 - - - 38,999 Consumer and other loans 5,229 - 278 - 5,507 Total $ 1,032,366 $ - $ 8,649 $ - $ 1,041,015 (1) Accruing As of December 31, 2021: Current Past Due 30- 89 Days Past Due > 90 Days and Still Accruing Total Accruing Non-Accrual Total Loans Residential real estate: Home equity line of credit and other $ 701 $ $ - $ 701 $ - $ 701 1-4 family residential 133,942 289 - 134,231 1,190 135,421 Condo residential 64,243 994 - 65,237 - 65,237 198,886 1,283 - 200,169 1,190 201,359 Commercial real estate: Land and construction 24,581 - 24,581 - 24,581 Multi family residential 127,053 436 - 127,489 - 127,489 Condo commercial 42,400 - 42,400 - 42,400 Commercial property 510,411 - 510,411 - 510,411 Leasehold improvements 107 - 107 - 107 704,552 436 - 704,988 - 704,988 Commercial and industrial: Secured 98,141 - - 98,141 - 98,141 Unsecured 48,041 410 - 48,451 - 48,451 146,182 410 - 146,592 - 146,592 Foreign banks 59,491 - - 59,491 - 59,491 Consumer and other 78,969 260 - 79,229 - 79,229 Total $ 1,188,080 $ 2,389 $ - $ 1,190,469 $ 1,190 $ 1,191,659 December 31, 2021 December 31, 2020 Unpaid Principal Balance Net Investment Balance Valuation Allowance Unpaid Principal Balance Net Investment Balance Valuation Allowance Impaired Loans with No Specific Allowance: Residential real estate $ 5,021 $ 5,035 $ - $ 5,100 $ 5,093 $ - Commercial real estate 696 695 - 733 732 - 5,717 5,730 - 5,833 5,825 - Impaired Loans with Specific Allowance: Residential real estate 3,985 3,950 178 5,339 5,302 220 Commercial and industrial 141 141 71 202 202 108 Consumer and other 224 224 111 278 278 125 4,350 4,315 360 5,819 5,782 453 Total $ 10,067 $ 10,045 $ 360 $ 11,652 $ 11,607 $ 453 2021 2020 Residential real estate $ 8,791 $ 6,869 Commercial real estate 714 1,722 Commercial and industrial 178 230 Consumer and other 254 56 Total $ 9,937 $ 8,877 December 31, 2021 December 31, 2020 Accrual Status Non-Accrual Status Total TDRs Accrual Status Non-Accrual Status Total TDRs Residential real estate $ 7,815 $ - $ 7,815 $ 8,884 $ 777 $ 9,661 Commercial real estate 696 - 696 733 - 733 Commercial and industrial 141 - 141 179 23 202 Consumer and other 224 - 224 278 - 278 Total $ 8,876 $ - $ 8,876 $ 10,074 $ 800 $ 10,874 Recorded Investment Prior to Modification Recorded Investment After Modification Number of Loans Total Modifications Number of Loans Total Modifications Residential real estate 6 $ 5,679 6 $ 5,679 Commercial real estate 1 451 1 451 Commercial and industrial 2 255 2 255 Consumer and other 1 279 1 275 10 $ 6,664 10 $ 6,660

Leases

Leases	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Leases	4. The operations. As of The Company 2022 to 2036, many of these leases have extension dates. The Company straight-line basis over lease elected the short-term ROU assets or lease liabilities are not to be recognized ROU assets and of lease payments other assets while lease liabilities are classified under As information available advance rate matching or nearing the lease term. The following table presents the ROU assets and lease liabilities 2021 2020 ROU assets: Operating leases $ 14,185 $ 14,513 Lease liabilities: Operating leases $ 14,185 $ 14,513 The weighted average remaining lease term and weighted average 2021 2020 Weighted average remaining lease term (in years): Operating leases 8.28 9.13 Weighted average discount rate: Operating leases 2.32 % 2.49 % Future lease payment obligations and a reconciliation to lease 2022 $ 2,837 2023 2,471 2024 2,540 2025 2,606 2026 1,675 Thereafter 3,968 Total 16,097 Less: interest component (1,912) Total $ 14,185

Premises And Equipment

Premises And Equipment	12 Months Ended
	Dec. 31, 2021
Premises And Equipment [Abstract]
Premises And Equipment	5. A summary of premises and equipment are presented 2021 2020 Land $ 972 $ 1,372 Building 1,947 2,625 Furniture, fixtures and equipment 8,726 9,080 Computer hardware and software 4,552 4,471 Leasehold improvements 9,921 9,650 Premises and equipment, gross 26,118 27,198 Accumulated depreciation and amortization (20,840) (20,851) Premises and equipment, net $ 5,278 $ 6,347 Depreciation and amortization 1.0 1.3 2020, respectively. 0.6 relocation 0.6 recognized as an immaterial loss. The Company eliminated $ 0.5

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
Income Taxes [Abstract]
Income Taxes	6. The Company’s provision and 2020 (in thousands): The actual income for the year (computed by applying the 21 % for 2021 and 2020 to for income taxes) as follows (in thousands): 2021 2020 Federal taxes at statutory rate $ 5,812 $ 2,815 State income taxes, net of federal tax benefit 969 469 Bank owned life insurance (186) (174) Other, net 5 (522) Total $ 6,600 $ 2,588 The following table presents thousands): 2021 2020 Deferred tax assets: Net operating loss $ 28,819 $ 35,506 Allowance for credit losses 3,816 3,824 Lease liability 3,595 3,617 Unrealized loss on available for sale securities 817 - Deferred loan fees 400 636 Depreciable property 361 285 Stock option compensation 241 169 Accruals 600 349 Other, net 2 7 Deferred tax asset 38,651 44,393 Deferred tax liability: Unrealized gain on available for sale securities - (1,553) Lease right of use asset (3,595) (3,617) Deferred expenses (127) (64) Deferred tax liability (3,722) (5,234) Net deferred tax asset $ 34,929 $ 39,159 The Company has approximately $ 109.5 132.2 expiring in various amounts from 2031 to 2036. Their utilization In assessing the portion or upon the generation of Management considers the scheduled reversal strategies in making this assessment. The U.S. The Company is generally no longer subject to U.S. Federal or For no t have result of no recorded as a result of tax uncertainties. 2021 2020 Current: Federal $ - $ - State - - Total - - Deferred: Federal 5,314 2,074 State 1,286 514 Total 6,600 2,588 Total $ 6,600 $ 2,588

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposits	7. The following table presents deposits by type at December 31, 2021 2020 Non-interest bearing deposits $ 605,425 $ 442,467 Interest-bearing transaction accounts 55,878 45,132 Saving and money market deposits 703,856 527,373 Time deposits 225,220 258,430 Total $ 1,590,379 $ 1,273,402 Time approximately $ 119.4 104.1 At December 31, 2021, the scheduled maturities of time deposits 2022 $ 184,495 2023 15,111 2024 4,164 2025 1,172 2026 20,271 Thereafter 7 $ 225,220 At December 31, $ 247 224

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2021
Borrowings [Abstract]
Borrowings	8. Borrowed funds consist of fixed rate advances from the FHLB. At December 31, 2021 and 2020, FHLB advances were $ 36.0 The following table presents 31, 2021 and 2020 (in thousands): Interest Rate Type of Rate Maturity Date Amount 0.81% Fixed August 17, 2023 $ 5,000 1.04% Fixed July 30, 2024 5,000 2.05% Fixed March 27, 2025 10,000 1.91% Fixed March 28, 2025 5,000 1.81% Fixed April 17, 2025 5,000 1.07% Fixed July 18, 2025 6,000 $ 36,000 The advances, subject held at the FHLB as additional collateral. See Note 3 “Loans”

Equity Based And Other Compensa

Equity Based And Other Compensation Plans	12 Months Ended
	Dec. 31, 2021
Equity Based And Other Compensation Plans [Abstract]
Equity Based And Other Compensation Plans	9. Employee 401(k) Plan The Company has an a provision There was $ 296 282 2021 and Operations. Stock-Based Compensation Stock option years ended December 31, 2021 and 1 for 5 Stock options are only exercisable stock split. In authorized grants 2,000,000 2015 Option vesting Options 10 -year expiration of 10 10 -year life and will terminate in 2025. In July 2020, the 3,000,000 5 shares 1 for 5 1,000,000 shareholders of the Company approved to amend the 1,400,000 shares of common stock. At December 31, 2021, there were 1,401,667 2020, there were 621,667 shares available for grant under the 2015 Option Plan 1 for 5 The Company recognizes compensation expense based Scholes vesting ultimately vest, actual option forfeitures. The Statements 287 December 31, 2021 187 no years ended December 31, 2021 and 2020. Unrecognized compensation cost remaining 1.3 0.1 years ended December 31, 2021 and 2020. Cash activities. Excess tax benefits tax asset attributable to the compensation cost for such The fair value of options 2021: Assumption 2021 Risk-free interest rate Expected term 10 Expected stock price volatility 10 % Dividend yield 0 % The following table presents a summary of stock options Stock Options Weighted Average Exercise Price Weighted Average Remaining Contractual Years Aggregate Intrinsic Value Balance at January 1, 2021 339,667 $ 9.37 7.1 Granted 620,000 $ 11.69 Balance at December 31, 2021 959,667 $ 10.87 8.4 Exercisable at December 31, 2021 319,667 $ 9.07 6.0 $ 663 Balance at January 1, 2020 (1) 365,667 $ 9.30 8.5 Exercised (2,000) $ 7.50 Forfeited (24,000) $ 8.17 Balance at December 31, 2020 339,667 $ 9.37 7.1 Exercisable at December 31, 2020 242,333 $ 8.71 6.6 $ 208 (1) Note 13 "Stockholders' Equity" for further discussion The aggregate intrinsic value in valuation of the Company’s stock and the exercise price, multiplied by would have been received by the option holders had all option The weighted average 2.32 $ 0.00 , respectively.

Off-Balance Sheet Arrangements

Off-Balance Sheet Arrangements	12 Months Ended
	Dec. 31, 2021
Off-Balance Sheet Arrangements [Abstract]
Off-Balance Sheet Arrangements	10. The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business in order to meet the financial instruments include letters of amount recognized in the Company’s Consolidated Balance Sheets. The Company uses the commitments and conditional obligations as it does for on-balance-sheet The Company's exposure for unused lines of credit, and standby letters of credit A December 31, 2021 and 2020 (in thousands): 2021 2020 Commitments to grant loans and unfunded lines of credit $ 134,877 $ 107,553 Standby and commercial letters of credit 6,420 1,813 Total $ 141,297 $ 109,366 Commitments to established in the contract. Commitments generally have Unfunded lines of customers. These lines of not be drawn upon to the total extent to which the Company Standby performance of a arrangements. Essentially all letters of credit have fixed maturity dates and many of them expire without being drawn upon, they do not generally present a significant liquidity risk

Derivatives

Derivatives	12 Months Ended
	Dec. 31, 2021
Derivatives [Abstract]
Derivatives	11. The Company utilizes interest rate swap agreements its interest parties. The amounts exchanged are interest rate swap agreements. The Company enters into interest rate swaps with its loan customers. The Company had 18 15 with loan customers with 39.2 30.6 These interest offsetting derivatives counterparty with funds to Sheets. While these derivatives represent economic hedges, The following table reflects the Company’s customer Fair Value Notional Amount Collateral Amount Balance Sheet Location Asset Liability December 31, 2021: Derivatives not designated as hedging instruments: Interest rate swaps related to customer loans $ 39,156 $ 1,260 Other assets/Other liabilities $ 1,434 $ 1,434 December 31, 2020: Derivatives not designated as hedging instruments: Interest rate swaps related to customer loans $ 30,611 $ 260 Other assets/Other liabilities $ 500 $ 500

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2021
Fair Value Measurements [Abstract]
Fair Value Measurements	12. Determination of Fair Value The Company determine fair value financial instrument is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market However, in where quoted techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in The fair (that is, market conditions. change in the depends on the facts within the range that is most representative of fair value under Fair Value Hierarchy In accordance with at fair assumptions used to determine fair value. Level 1 entity has equity securities that sources for market transactions involving identical assets Level 2 asset liabilities; quoted by observable market data for substantially the full term of the Level 3 significant whose value well as instruments for which determination of fair value A significant to the fair value measurement. Items Measured at Fair Value Investment securities: such securities, Management reviews pricing methodologies provided by the vendors and third-party broker-dealers in order to determine if observable market information is being utilized. Securities measured with pricing provided by independent vendors or party broker-dealers securities, pricing models or discounted cash flow analyses Derivatives: classified within Level 2 of the hierarchy. The following table represents and 2020 for each of the fair value hierarchy levels (in thousands): Items Measured at Fair Value Impaired Loans: At December individual loans 4.4 5.8 their 4.0 5.4 $ 360 453 2021 and 2020, respectively. expected estimates of changes in economic conditions are considered Other Real estimate of valuation technique the appraiser the value for changes in a consequence of the carrying cost or the considered a Level 3 valuation. The following table represents the Company’s assets measured at fair value on a non-recurring basis at December 31, 2021 and 2020 for each of the fair value hierarchy levels The following table presents value on a non-recurring basis at December 31, 2021 and 2020 There were no Items Not Measured at Fair Value The carrying amounts and estimated fair values of financial instruments not carried at fair value, at December 31, 2021 and 2020 are as follows (in thousands): 2021 2020 Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total Investment securities available for sale: U.S. Government Agency - SBA $ - $ 10,520 $ - $ 10,520 $ - $ 1,552 $ - $ 1,552 U.S. Government Agency - - - - - 20,032 - 20,032 Collateralized mortgage obligations - 156,829 - 156,829 - 104,650 - 104,650 Mortgage-backed securities - Residential - 118,842 - 118,842 - 81,301 - 81,301 Mortgage-backed securities - Commercial - 50,117 - 50,117 - 48,331 - 48,331 Municipal Securities - 24,276 - 24,276 - 24,211 - 24,211 Bank subordinated debt securities - 28,408 - 28,408 - 24,630 - 24,630 Corporate Bond - 12,550 - 12,550 - 29,615 - 29,615 Total - 401,542 - 401,542 - 334,322 - 334,322 Derivative assets - 1,434 - 1,434 - 500 - 500 Total assets at fair value $ - $ 402,976 $ - $ 402,976 $ - $ 334,822 $ - $ 334,822 Derivative liabilities $ - $ 1,434 $ - $ 1,434 $ - $ 500 $ - $ 500 Total liabilities at fair value $ - $ 1,434 $ - $ 1,434 $ - $ 500 $ - $ 500 Level 1 Level 2 Level 3 Total December 31, 2021: Impaired loans $ - $ - $ 3,990 $ 3,990 December 31, 2020: Impaired loans $ - $ - $ 5,366 $ 5,366 Fair Value Valuation Techniqu Unobservable Input(s) December 31, 2021: Residential real estate $ 3,807 Sales comparison approach Adj. for differences between comparable sales Commercial and industrial 70 Discounted cash flow Adj. for differences in net operating income expectations Other 113 Discounted cash flow Adj. for differences in net operating income expectations Total $ 3,990 December 31, 2020: Residential real estate $ 5,119 Sales comparison approach Adj. for differences between comparable sales Commercial and industrial 94 Discounted cash flow Adj. for differences in net operating income expectations Other 153 Discounted cash flow Adj. for differences in net operating income expectations Total $ 5,366 Fair Value Hierarchy Carrying Amount Level 1 Level 2 Level 3 Fair Value Amount December 31, 2021: Financial Assets: Cash and due from banks $ 6,477 $ 6,477 $ - $ - $ 6,477 Interest-bearing deposits in banks $ 39,751 $ 39,751 $ - $ - $ 39,751 Investment securities held to maturity $ 122,658 $ - $ 120,157 $ - $ 120,157 Loans held for investment, net $ 1,175,024 $ - $ - $ 1,189,191 $ 1,189,191 Accrued interest receivable $ 5,975 $ - $ 1,222 $ 4,753 $ 5,975 Financial Liabilities: Demand Deposits $ 605,425 $ 605,425 $ - $ - $ 605,425 Money market and savings accounts $ 703,856 $ 703,856 $ - $ - $ 703,856 Interest-bearing checking accounts $ 55,878 $ 55,878 $ - $ - $ 55,878 Time deposits $ 225,220 $ - $ - $ 224,688 $ 224,688 FHLB advances $ 36,000 $ - $ 36,479 $ - $ 36,479 Accrued interest payable $ 96 $ - $ 50 $ 46 $ 96 December 31, 2020: Financial Assets: Cash and due from banks $ 9,828 $ 9,828 $ - $ - $ 9,828 Interest-bearing deposits in banks $ 37,906 $ 37,906 $ - $ - $ 37,906 Loans held for investment, net $ 1,023,418 $ - $ - $ 1,046,782 $ 1,046,782 Accrued interest receivable $ 5,547 $ - $ 874 $ 4,673 $ 5,547 Financial Liabilities: Demand Deposits $ 442,467 $ 442,467 $ - $ - $ 442,467 Money market and savings accounts $ 527,373 $ 527,373 $ - $ - $ 527,373 Interest-bearing checking accounts $ 45,132 $ 45,132 $ - $ - $ 45,132 Time deposits $ 258,430 $ - $ - $ 259,857 $ 259,857 FHLB advances $ 36,000 $ - $ 37,543 $ - $ 37,543 Accrued interest payable $ 156 $ - $ 49 $ 107 $ 156

Stockholders' Equity

Stockholders' Equity	12 Months Ended
	Dec. 31, 2021
Stockholders' Equity [Abstract]
Stockholders' Equity	13. Common Stock The rights conversion rights. have no transferred. On June 16, 2021, the Company effected a 1 for 5 1.00 As of one to one whole share. The Company has adjusted the Class A for this 1 for 5 would be converted at the 1 for 5 1 dividends declared by The 1 for 5 Operations, and Consolidated Statements of Changes On July issued and 4,600,000 10.00 net proceeds of $ 40.0 On outstanding Class 5 total of 6,121,052 1,224,212 In December 2021, the Class A voting the Bank’s capital Each of the outstanding 1.00 was converted into and 1.00 and Company organization and the Reorganization. In the same designations, held previously owned of the Bank’s common stock. Preferred Stock On April 5, 2021, stock at 7.5 103 shareholders approved the repurchase which the Company The Company offered the common stock. The offer 90 % of 10 % exchange ratio for the shares of for shares of Class A common stock. During the year ended December 31, 2021, 47,473 11,061,552 D preferred stock 10,278,072 preferred 102.8 stock 1,234,354 $ 11.4 The fair value of the 89.6 December 31, 2021, there were no no Dividends The Board approved and 2020 (in thousands): 2021 2020 Preferred stock - Class C: Non-voting, Non-cumulative, Perpetual: $ 1.00 1,000 per share liquidation preference; annual dividend rate of 4 % of liquidation preference paid quarterly. Quarterly dividend of $ 10.00 $ 1,494 $ 2,110 Preferred stock - Class D: Non-voting, Non-cumulative, Perpetual: $ 1.00 5.00 per share liquidation preference; annual dividend rate of 4 % of par value paid quarterly. Quarterly dividend of $ 0.01 348 492 Preferred stock - Class E: Non-voting, partially cumulative, Perpetual: $ 1.00 $ 1,000 7 % of liquidation preferences paid quarterly. Quarterly dividend of $ 17.50 235 525 Total $ 2,077 $ 3,127 Declaration of dividends by the Board is required before dividend payments are made. The dividend payment dates for Class C and date on the fifteenth of February, No 2020. Additionally, there no

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Earnings Per Share	14. Earnings securities. Basic EPS number of common shares outstanding for computed by shares outstanding for the period determined using the treasury-stock method. For common stock options and are only included in the calculation In allocated between Class A and at year-end. In calculating EPS for the as if all shares per 1 for 5 reverse stockholders be adjusted to give effect for Class A stock splits. Therefore, the income allocated to Class B common shares was calculated based on their 20 % per share equivalent to Class A common shares. The following table December 31, 2021 and 2020 (in thousands): 2021 2020 Net Income $ 21,077 $ 10,820 Less: Preferred stock dividends 2,077 3,127 Less: Exchange and redemption of preferred shares 89,585 - Net income (loss) available to common stockholders $ (70,585) $ 7,693 The following ended December 31, 2021 and 2020 (in thousands, except 2021 2020 Class A Class B Class A Class B (1) Basic EPS Numerator: Net income (loss) available to common shares before allocation $ (70,585) $ - $ 7,693 $ 7,693 Multiply: % allocated on weighted avg. shares outstanding 100.0% - % 76.1% 23.9% Net income (loss) available to common shares after allocation $ (70,585) $ - $ 5,854 $ 1,839 Denominator: Weighted average shares outstanding 10,507,530 - 3,887,480 6,121,052 Earnings (loss) per share, basic $ (6.72) $ - $ 1.51 $ 0.30 Diluted EPS Numerator: Net income (loss) available to common shares before allocation $ (70,585) $ - $ 7,693 $ 7,693 Multiply: % allocated on weighted avg. shares outstanding 100.0% - % 76.1% 23.9% Net income (loss) available to common shares after allocation $ (70,585) $ - $ 5,854 $ 1,839 Denominator: Weighted average shares outstanding for basic EPS 10,507,530 - 3,887,480 6,121,052 Add: Dilutive effects of assumed exercises of stock options - - 23,810 - Weighted avg. shares including dilutive potential common shares 10,507,530 - 3,911,290 6,121,052 Earnings (loss) per share, diluted $ (6.72) $ - $ 1.50 $ 0.30 Anti-dilutive stock options excluded from diluted EPS 183,303 - 75,666 - (1) of shares outstanding. The allocation also assumes 0.20 1,224,212 For the year redemption of the Class C and Class D preferred share as the inclusion of all potential common shares outstanding See Note 13 “Stockholders’ Equity” for further discussion

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2021
Regulatory Matters [Abstract]
Regulatory Matters	15. Banks and banking discretionary actions financial Company and the and capital weightings, and other factors. Based on changes to the Federal Reserve’s definition of a “Small Bank to $3.0 billion in assets At such time when the Company reaches the of the Bank. The Bank has calculations, as permitted by the regulations. This capital levels. The Bank is and Consumer Protection 2.5 % capital conservation the minimum requirements limit the ability of 2020, the capital ratios for the Bank were sufficient Prompt undercapitalized, represent overall financial condition. If If required. At December 31, well capitalized guidelines termination of deposit rates of capitalized, an institution in the Bank’s category. Actual December 31, include the capital conservation buffer previously Actual Minimum Capital Requirements To be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio December 31, 2021: Total $ 186,735 14.92 % $ 100,125 8.00 % $ 125,157 10.00 % Tier 1 risk-based capital $ 171,484 13.70 % $ 75,094 6.00 % $ 100,125 8.00 % Common equity tier 1 capital $ 171,484 13.70 % $ 56,321 4.50 % $ 81,352 6.50 % Leverage ratio $ 171,484 9.55 % $ 71,825 4.00 % $ 89,781 5.00 % December 31, 2020: Total $ 139,326 14.24 % $ 78,260 8.00 % $ 97,825 10.00 % Tier 1 risk-based capital $ 127,061 12.99 % $ 58,695 6.00 % $ 78,260 8.00 % Common equity tier 1 capital $ 94,984 9.71 % $ 44,021 4.50 % $ 63,587 6.50 % Leverage ratio $ 127,061 8.61 % $ 59,053 4.00 % $ 73,817 5.00 % As disclose on the statements of operations or statements Effective December 28, 2021, the Company acquired the Bank in a merger and a bank holding company. 1.00 stock formerly par value common details. The Company the Company’s defined by state banking regulations. However, for any dividend declaration, the Company must consider such as the amount Bank. It is likely that bank regulators have unsound practice.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2021
Related Party Transactions [Abstract]
Related Party Transactions	16. In Company. Consolidated Financial Statements at December 31, 2021 2021 2020 Consolidated Balance Sheets: Loans held for investment, net $ - $ - Deposits $ 1,905 $ 1,793 Consolidated Statements of Operations: Interest income $ - $ - Interest expense $ 16 $ 23

Parent Company Condensed Financ

Parent Company Condensed Financial Information	12 Months Ended
	Dec. 31, 2021
Parent Company Condensed Financial Information [Abstract]
Parent Company Condensed Financial Information	17. In December Bank. The thousands): December 31, 2021 December 31, 2020 ASSETS: Investment in bank subsidiary $ 203,897 $ - Other assets - - Total $ 203,897 $ - LIABILITIES AND STOCKHOLDERS' EQUITY: Other liabilities $ - $ - Stockholders' equity 203,897 - Total $ 203,897 $ - At December 31, 2021, there was no activity between the parent bank holding company and on the statements of operations or statements of cash flows.

Loss Contingencies

Loss Contingencies	12 Months Ended
	Dec. 31, 2021
Loss Contingencies [Abstract]
Loss Contingencies	18. Loss contingencies, management, none on the Company’s

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2021
Subsequent Events [Abstract]
Subsequent Events	19. Management has Form 10-K was available to be issued. Share Repurchase Program On January 750,000 stock. Under basis from program program will be funded from the Company’s

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2021
Summary of Significant Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation Intercompany transactions been prepared in accordance with U.S. Generally Accepted
Initial Public Offering and Exchange and Redemption of Shares	Initial Public Offering and Exchange and Redemption On July 27, 2021, began trading exchange outstanding preferred shares. In December 2021, common December 31, “Stockholders’ Equity” for further information about the IPO and
Use of Estimates	Use of Estimates In preparing the consolidated financial statements, management is required on available information that affect the amounts reported The coronavirus (“COVID-19”) their ability to fulfill associates and customers to conduct banking and other financial transactions. as of December 31, 2021, if there is a resurgence in the virus, the Company could experience further adverse effects on its business, impact the with its associates and customers they arise. While there was December 31, 2021, economic quantify the Actual results could differ from those estimates.
Cash And Cash Equivalents	Cash and Cash Equivalents The equivalents. For due from banks, and interest-bearing deposits in banks.
Restricted Cash	Restricted Cash The Company may reports restricted cash within cash and cash equivalents.
Interest-Bearing Deposits in Other Financial Institutions	Interest-Bearing Deposits in Other Financial Institutions Interest-bearing deposits in other financial institutions consist other accounts.
Investment Securities	Investment Securities Debt securities ability to hold to accounts for them on a trade date basis. Debt securities that and recorded at amortized cost. Trading securities are Securities not classified unrealized gains and must be classified as trading and recorded at fair value Purchase premiums and discounts are amortized or accreted over held-to-maturity considered in determining the estimated life of in the Consolidated on the sale of securities are recorded on trade date and are determined Declines temporary management considers several factors in their analysis including of security including any downgrade, (iii) intent to sell the security, or if it is more likely than not that it will be required to sell the securities.
Federal Home Loan Bank Stock	Federal Home Loan Bank (FHLB) Stock The Bank is a member of the FHLB system. Members are required to of borrowings and asset, and 2020, 2.1 2.7 cash and stock dividends are reported as interest income.
Loans Held for Investment and Allowance for Credit Losses	Loans Held for Investment and Allowance for Credit Loans held for investment (“loans”) are reported at their outstanding principal fees, unearned method. amortized, using the interest method or the straight-line If the non-accrual status as of for restoration to accrual status. or interest restoration principal and interest of the remaining contractual principal and interest or the loan becomes secured and in the process of collection. All interest accrued but not on these unpaid principal, which may change as conditions dictate. The Company has determined that the entire balance of payment is not received by due loans until the date the loan goes into nonaccrual The Company provides for loan losses through a provision for credit losses charged to operations. When management believes that a recoveries, if any, The ACL Management uses a disciplined the Company loans analyzed on a pooled basis. The ACL consists • • • • • Residential borrower’s credit, capacity including: current ratio and credit history. The Company relies on appraisals in determining the value of the property. analysis and the diversity of the residential portfolio. Commercial real estate Underwriting worthiness of the borrower. service, other rates in geographic location and loan to value. Land and construction analysis will include the time to develop, sell or lease the property. securing the commercial real estate loans are diverse in Commercial inventory, and receivables. the debt based The Company mitigates the risk in the commercial portfo Foreign Banks Latin America. Most of these loans are for trade capital and have a includes a credit analysis, peer comparison and current borrower and country and a review of authorized term, have limited exposure, and are geographically dispersed. Other collateralized underwritten based on the credit worthiness of the borrower. In management evaluates on factors which, in changes in prevailing economic conditions, historical loss experience, size of the loan portfolio and the overall credit worthiness The ACL the general component for the ACL account for each segment The loan segments are determined based on a ten year look back period. The Company applies time cycle. The environmental factors. To tracks historical non-recurring pool. Management believes the loan portfolio in the normal course of business. Qualitative following are the factors used to adjust the historical loss • • • • • • • • • Changes in these factors could could differ materially from the amounts estimated In addition sheet risk, such as letters Consolidated Operations. experience and with off-balance sheet risk. A loan is considered unable to agreement or when the loan in determining impairment include payment status, collateral value, and the probability of interest payments when due. classified as impaired. Impairment is measured on a loan by loan basis by either the present value flows discounted at the loan's effective loan investment in the loan (outstanding principal balance plus accrued interest, net of previous charge-offs, and net of deferred loan fees or cost), impairment is recognized through an allowance In insignificant period of time to the borrower that would not On March 27, of the United borrowers impacted considered a TDR if the loan was not more than 30 days past executed March December 31, 2022. Banking regulators issued similar guidance clarifying that a COVID-19 a TDR if the borrower was current on payments at the time the considered short-term. See Note 3 “Loans” for additional disclosures In addition to the are identified as reserve is provided under the accounting guidance for loan in a TDR are also individually analyzed for estimated impairment. The Company's charge-off policy is to review all impaired loans ability to collateral dependent, investment in the loan is charged off. Concentration of Credit Risks Credit perform as contracted and any collateral or security proved to be insufficient (whether on or off-balance sheet) arising from financial instruments exist in relation to certain concentration arises when to meet contractual obligations to be similarly affected by changes in economic or other conditions. The Company does not have a significant exposure to any individual customer Most of the Company's business activity is State of Florida. The Company's loan portfolio is concentrated largely in real estate and commercial loans in South Florida. Many of the Company's the South Florida real estate industry portfolio. At December 31, top ten lending relationships 156.4 141.5 concentration represented 13.1 % and 13.6 %, respectively, At December 31, 47.9 foreign concentration of 38.8 Salvador. 28.9 18.2 2021 and 2020, respectively. At various times during to the Company from institution. Premises and Equipment, net Land is Depreciation is computed are amortized over the lives of these assets were as follows: Building 40 Furniture, fixtures and equipment 3 25 Computer hardware and software 3 5 Leasehold improvements
Concentration of Credit Risks	Concentration of Credit Risks Credit perform as contracted and any collateral or security proved to be insufficient (whether on or off-balance sheet) arising from financial instruments exist in relation to certain concentration arises when to meet contractual obligations to be similarly affected by changes in economic or other conditions. The Company does not have a significant exposure to any individual customer Most of the Company's business activity is State of Florida. The Company's loan portfolio is concentrated largely in real estate and commercial loans in South Florida. Many of the Company's the South Florida real estate industry portfolio. At December 31, top ten lending relationships 156.4 141.5 concentration represented 13.1 % and 13.6 %, respectively, At December 31, 47.9 foreign concentration of 38.8 Salvador. 28.9 18.2 2021 and 2020, respectively. At various times during to the Company from institution.
Premises and Equipment, net	Premises and Equipment, net Land is Depreciation is computed are amortized over the lives of these assets were as follows: Building 40 Furniture, fixtures and equipment 3 25 Computer hardware and software 3 5 Leasehold improvements Maintenance When items are retired or are removed from the accounts and any resulting gains or losses Other Real Estate Owned Other real estate held for sale and are initially recorded at establishing a assets are carried at the lower of carrying amount or fair value less cost to sell. Subsequent write-downs are recognized as a valuation allowance with the offset recorded in the Consolidated Statements of other real estate owned expenses OREO financing has been arranged. Bank Owned Life Insurance Bank owned sheet date, which is typically At December 31, 2021, the Company maintained BOLI policies with value 41.7 beneficiary of these policies. Employee 401(k) Plan The expense is the amount of matching contributions. Income Taxes Income taxes are accounted for under the for the assets and and temporary differences are expected to be recovered or in tax rates is recognized in income in the period that includes Management is required to based on the considers taxable loss of temporary differences, and available tax planning The Company recognizes positions taken guidance on tax liabilities, if any, would Impairment of Long-Lived Assets The Company's long-lived changes in circumstances to be held and flows expected to be generated by the asset. If the carrying amount of an asset exceeds its estimated future cash flows, an impairment charge asset. Assets lower of disposal group classified as held for Consolidated Balance Sheets.
Other Real Estate Owned	Other Real Estate Owned Other real estate held for sale and are initially recorded at establishing a assets are carried at the lower of carrying amount or fair value less cost to sell. Subsequent write-downs are recognized as a valuation allowance with the offset recorded in the Consolidated Statements of other real estate owned expenses OREO financing has been arranged.
Bank Owned Life Insurance	Bank Owned Life Insurance Bank owned sheet date, which is typically At December 31, 2021, the Company maintained BOLI policies with value 41.7 beneficiary of these policies.
Employee 401(k) Plan	Employee 401(k) Plan The expense is the amount of matching contributions.
Income Taxes	Income Taxes Income taxes are accounted for under the for the assets and and temporary differences are expected to be recovered or in tax rates is recognized in income in the period that includes Management is required to based on the considers taxable loss of temporary differences, and available tax planning The Company recognizes positions taken guidance on tax liabilities, if any, would
Impairment of Long-Lived Assets	Impairment of Long-Lived Assets The Company's long-lived changes in circumstances to be held and flows expected to be generated by the asset. If the carrying amount of an asset exceeds its estimated future cash flows, an impairment charge asset. Assets lower of disposal group classified as held for Consolidated Balance Sheets.
Transfers of Financial Assets	Transfer of Financial Assets Transfers of over presumptively transferee obtains the transferred agreement to repurchase them before their maturity or
Comprehensive Income (Loss)	Comprehensive Income (Loss) Under available-for-sale, are equity comprehensive available-for-sale to held-to-maturity are recorded to accumulated other comprehensive amortized over the remaining life of is reported as a component of comprehensive income
Advertising Costs	Advertising Costs Advertising costs are expensed as incurred.
Earnings per Common Share	Earnings per Common Share Basic earnings number additional potential common shares issuable under vested stock options. Basic and diluted earnings per share are updated to reflect the effect of stock splits as occurred. See Note 14 “Earnings Per Share” for additional information on earnings per common share. See Note 13 “Stockholders’ Equity” for further
Interest Income	Interest Income Interest income is recognized as earned, based upon the principal
Operating Segments	Operating Segments While the Company monitors financial performance make resource allocations or performance decisions by Company
Stock-Based Compensation	Stock-Based Compensation Stock based compensation accounting guidance requires transactions be recognized in the accompanying Consolidated the grant covers performance-based awards, share appreciation rights, and The stock-based compensation accounting guidance and recognized compensation cost Scholes model is used to estimate the fair value of stock
Loss Contingencies	Loss Contingencies Loss liabilities when the of management, none of these actions, either individually or in the aggregate, is expected to have a material adverse effect on the Company’s Consolidated Financial Statements. Dividend Restrictions Banking Company or by the Company to the shareholders. Fair Value Measurements Fair values fully disclosed in Note judgment. Changes in assumptions or in market conditions Derivative Instruments Derivative financial instruments are to information. The interest rate agreement allowing Company will enter into a matching agreement with a swaps are other noninterest income. Revenue from Contracts with Customers Revenue from to receive for the and investment Deposit and other transaction-based fees, are the recognized when the service provided by the this standard that is received from sources other than deposit Cash Flow Statement The Company reports the net activity rather than gross activity in the Consolidated cash flows deposits, accrued interest payable, other liabilities, and proceeds Reclassifications Certain presentation. Reclassifications had no impact on the net income Recently Issued Accounting Standards – Not Yet Measurement of Credit Losses on Financial Instruments In June Losses on Financial Instruments. This accounting standard update (“ASU” or “Update”) credit under U.S. GAAP statement Company 2022. Early adoption is permitted for fiscal years beginning after December 15, 2019, including interim periods within those
Dividend Restrictions	Dividend Restrictions Banking Company or by the Company to the shareholders.
Fair Value Measurements	Fair Value Measurements Fair values fully disclosed in Note judgment. Changes in assumptions or in market conditions
Derivatives Instruments	Derivative Instruments Derivative financial instruments are to information. The interest rate agreement allowing Company will enter into a matching agreement with a swaps are other noninterest income.
Revenue From Contract With Customers	Revenue from Contracts with Customers Revenue from to receive for the and investment Deposit and other transaction-based fees, are the recognized when the service provided by the this standard that is received from sources other than deposit
Cash Flow Statement	Cash Flow Statement The Company reports the net activity rather than gross activity in the Consolidated cash flows deposits, accrued interest payable, other liabilities, and proceeds
Reclassifications	Reclassifications Certain presentation. Reclassifications had no impact on the net income
Recently Issued Accounting Standards	Recently Issued Accounting Standards – Not Yet Measurement of Credit Losses on Financial Instruments In June Losses on Financial Instruments. This accounting standard update (“ASU” or “Update”) credit under U.S. GAAP statement Company 2022. Early adoption is permitted for fiscal years beginning after December 15, 2019, including interim periods within those fiscal financial statements general economic conditions, evaluating the impact of ASU will lead to significant changes the ACL. software solution to assist with the CECL estimation process, Reference Rate Reform In Reference Rate Reform 2021-01 which provides optional the effects 2022. The ASU will have material effects on our business

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2021
Investments Securities [Abstract]
Schedule of Available-for-sale Securities and Held-to-maturity Securities Reconciliation	December 31, 2021 Available-for-sale: Amortized Cost Unrealized Gains Unrealized Losses Fair Value U.S. Government Agency - SBA $ 10,564 $ 6 $ (50) $ 10,520 Collateralized mortgage obligations 160,506 22 (3,699) 156,829 Mortgage-backed securities - Residential 120,643 228 (2,029) 118,842 Mortgage-backed securities - Commercial 49,905 820 (608) 50,117 Municipal securities 25,164 6 (894) 24,276 Bank subordinated debt securities 27,003 1,418 (13) 28,408 Corporate bonds 12,068 482 - 12,550 $ 405,853 $ 2,982 $ (7,293) $ 401,542 Held-to-maturity: U.S. Government Agency - SBA $ 12,004 $ - $ (363) $ 11,641 U.S. Government Agency 22,501 14 (252) 22,263 Collateralized mortgage obligations 44,820 - (1,021) 43,799 Mortgage-backed securities - Residential 26,920 - (568) 26,352 Mortgage-backed securities - Commercial 3,103 - (90) 3,013 Corporate bonds 13,310 - (221) 13,089 $ 122,658 $ 14 $ (2,515) $ 120,157 December 31, 2020 Available-for-sale: Amortized Cost Unrealized Gains Unrealized Losses Fair Value U.S. Government Agency -SBA $ 1,488 $ 64 $ - $ 1,552 U.S. Government Agency 20,196 4 (168) 20,032 Collateralized mortgage obligations 104,426 386 (162) 104,650 Mortgage-backed securities - Residential 80,110 1,368 (177) 81,301 Mortgage-backed securities - Commercial 45,802 2,549 (20) 48,331 Municipal securities 24,230 39 (58) 24,211 Bank subordinated debt securities 24,004 631 (5) 24,630 Corporate bonds 27,733 1,882 - 29,615 $ 327,989 $ 6,923 $ (590) $ 334,322
Schedule of Realized Gains and Losses	Available-for-sale: 2021 2020 Proceeds from sales and call of securities $ 51,974 $ 57,309 Gross Gains $ 545 $ 862 Gross Losses (331) (428) Net realized gains $ 214 $ 434
Amortized Cost and Fair Value of Investment Securities by Contractual Maturity Date	Available-for-sale Held-to-maturity December 31, 2021: Amortized Cost Fair Value Amortized Cost Fair Value Due within one year $ 1,992 $ 2,036 $ 2,017 $ 2,013 Due after one year through five years 5,983 6,288 11,293 11,076 Due after five years through ten years 31,096 32,512 - - Due after ten years 25,164 24,398 - - U.S. Government Agency - SBA 10,564 10,520 12,004 11,641 U.S. Government Agency 22,501 22,263 Collateralized mortgage obligations 160,506 156,829 44,820 43,799 Mortgage-backed securities - Residential 120,643 118,842 26,920 26,352 Mortgage-backed securities - Commercial 49,905 50,117 3,103 3,013 $ 405,853 $ 401,542 $ 122,658 $ 120,157
Debt Securities Available For Sale Unrealized Loss Position Fair Value [Table Text Block]	December 31, 2021 Less than 12 months 12 months or more Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Government Agency - SBA $ 19,165 $ (146) $ - $ - $ 19,165 $ (146) U.S. Government Agency 6,786 (108) 15,477 (516) 22,263 (624) Collateralized mortgage obligations 155,668 (3,223) 38,459 (1,497) 194,127 (4,720) Mortgage-backed securities - Residential 88,772 (1,178) 37,373 (1,274) 126,145 (2,452) Mortgage-backed securities - Commercial 25,289 (318) 7,507 (309) 32,796 (627) Municipal securities 11,292 (395) 11,978 (499) 23,270 (894) Bank subordinated debt securities 4,487 (13) - - 4,487 (13) $ 311,459 $ (5,381) $ 110,794 $ (4,095) $ 422,253 $ (9,476) December 31, 2020 Less than 12 months 12 months or more Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Government Agency - SBA $ - $ - $ - $ - $ - $ - U.S. Government Agency 14,030 (168) - - 14,030 (168) Collateralized mortgage obligations 49,185 (162) - - 49,185 (162) Mortgage-backed securities - 41,611 (177) - - 41,611 (177) Mortgage-backed securities - 8,219 (20) - - 8,219 (20) Municipal securities 3,878 (58) - - 3,878 (58) Bank subordinated debt securities 995 (5) - - 995 (5) $ 117,918 $ (590) $ - $ - $ 117,918 $ (590)

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2021
Loans [Abstract]
Summary of Loans Held for Investment	December 31, 2021 December 31, 2020 Total Percent of Total Total Percent of Total Residential Real Estate $ 201,359 16.9 % $ 232,754 22.3 % Commercial Real Estate 704,988 59.2 % 606,425 58.2 % Commercial and Industrial 146,592 12.3 % 157,330 15.1 % Foreign Banks 59,491 5.0 % 38,999 3.7 % Consumer and Other 79,229 6.6 % 5,507 0.5 % Total 1,191,659 100.0 % 1,041,015 99.8 % Less: Unearned income 1,578 2,511 Total 1,190,081 1,038,504 Less: Allowance for credit losses 15,057 15,086 Total $ 1,175,024 $ 1,023,418
Allowance for Credit Losses	Residential Real Estate Commercial Real Estate Commercial and Industrial Foreign Banks Consumer and Other Total December 31, 2021: Beginning balance $ 3,408 $ 9,453 $ 1,689 $ 348 $ 188 $ 15,086 Provision for credit losses (919) (695) 955 109 390 (160) Recoveries 238 149 5 392 Charge-offs (229) (18) (14) (261) Ending Balance $ 2,498 $ 8,758 $ 2,775 $ 457 $ 569 $ 15,057 December 31, 2020: Beginning balance $ 3,749 $ 6,591 $ 1,214 $ 332 $ 112 $ 11,998 Provision for credit losses (36) 2,861 321 16 88 3,250 Recoveries 168 1 307 18 494 Charge-offs (473) - (153) (30) (656) Ending Balance $ 3,408 $ 9,453 $ 1,689 $ 348 $ 188 $ 15,086 Residential Real Estate Commercial Real Estate Commercial and Industrial Foreign Banks Consumer and Other Total December 31, 2021: Allowance for credit losses: Individually evaluated for impairment $ 178 $ - $ 71 $ - $ 111 $ 360 Collectively evaluated for impairment 2,320 8,758 2,704 457 458 14,697 Balances, end of period $ 2,498 $ 8,758 $ 2,775 $ 457 $ 569 $ 15,057 Loans: Individually evaluated for impairment $ 9,006 $ 696 $ 141 $ - $ 224 $ 10,067 Collectively evaluated for impairment 192,353 704,292 146,451 59,491 79,005 1,181,592 Balances, end of period $ 201,359 $ 704,988 $ 146,592 $ 59,491 $ 79,229 $ 1,191,659 December 31, 2020: Allowance for credit losses: Individually evaluated for impairment $ 220 $ - $ 108 $ - $ 125 $ 453 Collectively evaluated for impairment 3,188 9,453 1,581 348 63 14,633 Balances, end of period $ 3,408 $ 9,453 $ 1,689 $ 348 $ 188 $ 15,086 Loans: Individually evaluated for impairment $ 10,439 $ 733 $ 202 $ - $ 278 $ 11,652 Collectively evaluated for impairment 222,315 605,692 157,128 38,999 5,229 1,029,363 Balances, end of period $ 232,754 $ 606,425 $ 157,330 $ 38,999 $ 5,507 $ 1,041,015
Loan Credit Exposures	As of December 31, 2021 Pass Special Mention Substandard Doubtful Total Loans Residential real estate: Home equity line of credit ("HELOC") and other $ 701 $ - $ - $ - $ 701 1-4 family residential 130,840 - 4,581 - 135,421 Condo residential 65,237 - - - 65,237 196,778 - 4,581 - 201,359 Commercial real estate: Land and construction 24,581 - - - 24,581 Multi family residential 127,489 - - - 127,489 Condo commercial 41,983 - 417 - 42,400 Commercial property 509,189 1,222 - - 510,411 Leasehold improvements 107 - - - 107 703,349 1,222 417 - 704,988 Commercial and industrial: (1) Secured 97,605 - 536 - 98,141 Unsecured 48,434 - 17 - 48,451 146,039 - 553 - 146,592 Foreign banks 59,491 - - - 59,491 Consumer and other loans 79,005 - 224 - 79,229 Total $ 1,184,662 $ 1,222 $ 5,775 $ - $ 1,191,659 (1) As of December 31, 2020 Pass Special Mention Substandard Doubtful Total Loans Residential real estate: Home equity line of credit ("HELOC") and other $ 905 $ - $ - $ - $ 905 1-4 family residential 151,940 - 6,748 - 158,688 Condo residential 73,016 - 145 - 73,161 225,861 - 6,893 - 232,754 Commercial real estate: Land and construction 37,348 - - - 37,348 Multi family residential 111,047 - - - 111,047 Condo commercial 37,171 - 442 - 37,613 Commercial property 415,967 - 803 - 416,770 Leasehold improvements 3,647 - - - 3,647 605,180 - 1,245 - 606,425 Commercial and industrial: (1) Secured 44,255 - 202 - 44,457 Unsecured 112,842 - 31 - 112,873 157,097 - 233 - 157,330 Foreign banks 38,999 - - - 38,999 Consumer and other loans 5,229 - 278 - 5,507 Total $ 1,032,366 $ - $ 8,649 $ - $ 1,041,015 (1)
Aging Analysis of Accruing and Total Non-Accruing Loans	Accruing As of December 31, 2021: Current Past Due 30- 89 Days Past Due > 90 Days and Still Accruing Total Accruing Non-Accrual Total Loans Residential real estate: Home equity line of credit and other $ 701 $ $ - $ 701 $ - $ 701 1-4 family residential 133,942 289 - 134,231 1,190 135,421 Condo residential 64,243 994 - 65,237 - 65,237 198,886 1,283 - 200,169 1,190 201,359 Commercial real estate: Land and construction 24,581 - 24,581 - 24,581 Multi family residential 127,053 436 - 127,489 - 127,489 Condo commercial 42,400 - 42,400 - 42,400 Commercial property 510,411 - 510,411 - 510,411 Leasehold improvements 107 - 107 - 107 704,552 436 - 704,988 - 704,988 Commercial and industrial: Secured 98,141 - - 98,141 - 98,141 Unsecured 48,041 410 - 48,451 - 48,451 146,182 410 - 146,592 - 146,592 Foreign banks 59,491 - - 59,491 - 59,491 Consumer and other 78,969 260 - 79,229 - 79,229 Total $ 1,188,080 $ 2,389 $ - $ 1,190,469 $ 1,190 $ 1,191,659 Accruing As of December 31, 2020: Current Past Due 30-89 Days Past Due > 90 Days and Still Accruing Total Accruing Non-Accrual Total Loans Residential real estate: Home equity line of credit and other $ 905 $ - $ - $ 905 $ - $ 905 1-4 family residential 154,779 2,354 - 157,133 1,555 158,688 Condo residential 72,625 536 - 73,161 73,161 228,309 2,890 - 231,199 1,555 232,754 Commercial real estate: Land and construction 37,348 - - 37,348 - 37,348 Multi family residential 111,047 - - 111,047 - 111,047 Condo commercial 37,475 138 - 37,613 - 37,613 Commercial property 416,770 - - 416,770 - 416,770 Leasehold improvements 3,647 - - 3,647 - 3,647 606,287 138 - 606,425 - 606,425 Commercial and industrial: Secured 44,378 56 - 44,434 23 44,457 Unsecured 112,873 - - 112,873 - 112,873 157,251 56 - 157,307 23 157,330 Foreign banks 38,999 - - 38,999 - 38,999 Consumer and other 5,198 309 - 5,507 - 5,507 Total $ 1,036,044 $ 3,393 $ - $ 1,039,437 $ 1,578 $ 1,041,015
Impaired Loans	December 31, 2021 December 31, 2020 Unpaid Principal Balance Net Investment Balance Valuation Allowance Unpaid Principal Balance Net Investment Balance Valuation Allowance Impaired Loans with No Specific Allowance: Residential real estate $ 5,021 $ 5,035 $ - $ 5,100 $ 5,093 $ - Commercial real estate 696 695 - 733 732 - 5,717 5,730 - 5,833 5,825 - Impaired Loans with Specific Allowance: Residential real estate 3,985 3,950 178 5,339 5,302 220 Commercial and industrial 141 141 71 202 202 108 Consumer and other 224 224 111 278 278 125 4,350 4,315 360 5,819 5,782 453 Total $ 10,067 $ 10,045 $ 360 $ 11,652 $ 11,607 $ 453 2021 2020 Residential real estate $ 8,791 $ 6,869 Commercial real estate 714 1,722 Commercial and industrial 178 230 Consumer and other 254 56 Total $ 9,937 $ 8,877
Performing and Non-Performing Troubled Debt Restructurings	December 31, 2021 December 31, 2020 Accrual Status Non-Accrual Status Total TDRs Accrual Status Non-Accrual Status Total TDRs Residential real estate $ 7,815 $ - $ 7,815 $ 8,884 $ 777 $ 9,661 Commercial real estate 696 - 696 733 - 733 Commercial and industrial 141 - 141 179 23 202 Consumer and other 224 - 224 278 - 278 Total $ 8,876 $ - $ 8,876 $ 10,074 $ 800 $ 10,874
Troubled Debt Restructuring Loans	Recorded Investment Prior to Modification Recorded Investment After Modification Number of Loans Total Modifications Number of Loans Total Modifications Residential real estate 6 $ 5,679 6 $ 5,679 Commercial real estate 1 451 1 451 Commercial and industrial 2 255 2 255 Consumer and other 1 279 1 275 10 $ 6,664 10 $ 6,660

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
ROU Assets And Leases Liabilities	2021 2020 ROU assets: Operating leases $ 14,185 $ 14,513 Lease liabilities: Operating leases $ 14,185 $ 14,513
Weighted Average Remaining Lease Term And Weighted Average Discount Rate	2021 2020 Weighted average remaining lease term (in years): Operating leases 8.28 9.13 Weighted average discount rate: Operating leases 2.32 % 2.49 %
Future Lease Payment Obligations And Reconciliation To Lease Liability	2022 $ 2,837 2023 2,471 2024 2,540 2025 2,606 2026 1,675 Thereafter 3,968 Total 16,097 Less: interest component (1,912) Total $ 14,185

Premises And Equipment (Tables)

Premises And Equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Premises And Equipment [Abstract]
Summary Of Premises And Equipment	2021 2020 Land $ 972 $ 1,372 Building 1,947 2,625 Furniture, fixtures and equipment 8,726 9,080 Computer hardware and software 4,552 4,471 Leasehold improvements 9,921 9,650 Premises and equipment, gross 26,118 27,198 Accumulated depreciation and amortization (20,840) (20,851) Premises and equipment, net $ 5,278 $ 6,347

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Taxes [Abstract]
Components of Income Tax Expense	2021 2020 Current: Federal $ - $ - State - - Total - - Deferred: Federal 5,314 2,074 State 1,286 514 Total 6,600 2,588 Total $ 6,600 $ 2,588
Statutory Tax Expense	2021 2020 Federal taxes at statutory rate $ 5,812 $ 2,815 State income taxes, net of federal tax benefit 969 469 Bank owned life insurance (186) (174) Other, net 5 (522) Total $ 6,600 $ 2,588
Provision for Income Taxes	2021 2020 Deferred tax assets: Net operating loss $ 28,819 $ 35,506 Allowance for credit losses 3,816 3,824 Lease liability 3,595 3,617 Unrealized loss on available for sale securities 817 - Deferred loan fees 400 636 Depreciable property 361 285 Stock option compensation 241 169 Accruals 600 349 Other, net 2 7 Deferred tax asset 38,651 44,393 Deferred tax liability: Unrealized gain on available for sale securities - (1,553) Lease right of use asset (3,595) (3,617) Deferred expenses (127) (64) Deferred tax liability (3,722) (5,234) Net deferred tax asset $ 34,929 $ 39,159

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Schedule Of Deposits By Types	2021 2020 Non-interest bearing deposits $ 605,425 $ 442,467 Interest-bearing transaction accounts 55,878 45,132 Saving and money market deposits 703,856 527,373 Time deposits 225,220 258,430 Total $ 1,590,379 $ 1,273,402
Schedule Of Maturities Of Time Deposits	2022 $ 184,495 2023 15,111 2024 4,164 2025 1,172 2026 20,271 Thereafter 7 $ 225,220

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
Borrowings [Abstract]
Schedule Of Fixed Interest Rates And Expected Maturities	Interest Rate Type of Rate Maturity Date Amount 0.81% Fixed August 17, 2023 $ 5,000 1.04% Fixed July 30, 2024 5,000 2.05% Fixed March 27, 2025 10,000 1.91% Fixed March 28, 2025 5,000 1.81% Fixed April 17, 2025 5,000 1.07% Fixed July 18, 2025 6,000 $ 36,000

Equity Based And Other Compen_2

Equity Based And Other Compensation Plans (Tables)	12 Months Ended
	Dec. 31, 2021
Equity Based And Other Compensation Plans [Abstract]
Schedule Of Stock Options Valuation Assumptions	Assumption 2021 Risk-free interest rate Expected term 10 Expected stock price volatility 10 % Dividend yield 0 %
Schedule Of Stock Options Activity	Stock Options Weighted Average Exercise Price Weighted Average Remaining Contractual Years Aggregate Intrinsic Value Balance at January 1, 2021 339,667 $ 9.37 7.1 Granted 620,000 $ 11.69 Balance at December 31, 2021 959,667 $ 10.87 8.4 Exercisable at December 31, 2021 319,667 $ 9.07 6.0 $ 663 Balance at January 1, 2020 (1) 365,667 $ 9.30 8.5 Exercised (2,000) $ 7.50 Forfeited (24,000) $ 8.17 Balance at December 31, 2020 339,667 $ 9.37 7.1 Exercisable at December 31, 2020 242,333 $ 8.71 6.6 $ 208 (1) Note 13 "Stockholders' Equity" for further discussion

Off-Balance Sheet Arrangements

Off-Balance Sheet Arrangements (Tables)	12 Months Ended
	Dec. 31, 2021
Off-Balance Sheet Arrangements [Abstract]
Schedule of Financials Instruments with Off-Balance Sheet Risk	2021 2020 Commitments to grant loans and unfunded lines of credit $ 134,877 $ 107,553 Standby and commercial letters of credit 6,420 1,813 Total $ 141,297 $ 109,366

Derivatives (Tables)

Derivatives (Tables)	12 Months Ended
	Dec. 31, 2021
Derivatives [Abstract]
Summary of Interest Rate Swaps	Fair Value Notional Amount Collateral Amount Balance Sheet Location Asset Liability December 31, 2021: Derivatives not designated as hedging instruments: Interest rate swaps related to customer loans $ 39,156 $ 1,260 Other assets/Other liabilities $ 1,434 $ 1,434 December 31, 2020: Derivatives not designated as hedging instruments: Interest rate swaps related to customer loans $ 30,611 $ 260 Other assets/Other liabilities $ 500 $ 500

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2021
Fair Value Measurements [Abstract]
Schedule Of Assets Measured At Fair Value On Recurring Basis	2021 2020 Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total Investment securities available for sale: U.S. Government Agency - SBA $ - $ 10,520 $ - $ 10,520 $ - $ 1,552 $ - $ 1,552 U.S. Government Agency - - - - - 20,032 - 20,032 Collateralized mortgage obligations - 156,829 - 156,829 - 104,650 - 104,650 Mortgage-backed securities - Residential - 118,842 - 118,842 - 81,301 - 81,301 Mortgage-backed securities - Commercial - 50,117 - 50,117 - 48,331 - 48,331 Municipal Securities - 24,276 - 24,276 - 24,211 - 24,211 Bank subordinated debt securities - 28,408 - 28,408 - 24,630 - 24,630 Corporate Bond - 12,550 - 12,550 - 29,615 - 29,615 Total - 401,542 - 401,542 - 334,322 - 334,322 Derivative assets - 1,434 - 1,434 - 500 - 500 Total assets at fair value $ - $ 402,976 $ - $ 402,976 $ - $ 334,822 $ - $ 334,822 Derivative liabilities $ - $ 1,434 $ - $ 1,434 $ - $ 500 $ - $ 500 Total liabilities at fair value $ - $ 1,434 $ - $ 1,434 $ - $ 500 $ - $ 500
Schedule Of Assets Measured At Fair Value On A Nonrecurring Basis	Level 1 Level 2 Level 3 Total December 31, 2021: Impaired loans $ - $ - $ 3,990 $ 3,990 December 31, 2020: Impaired loans $ - $ - $ 5,366 $ 5,366
Quantified Information About Level 3 Fair Value Measurements For Assets Measured At Fair Value On A Non-recurring Basis	Fair Value Valuation Techniqu Unobservable Input(s) December 31, 2021: Residential real estate $ 3,807 Sales comparison approach Adj. for differences between comparable sales Commercial and industrial 70 Discounted cash flow Adj. for differences in net operating income expectations Other 113 Discounted cash flow Adj. for differences in net operating income expectations Total $ 3,990 December 31, 2020: Residential real estate $ 5,119 Sales comparison approach Adj. for differences between comparable sales Commercial and industrial 94 Discounted cash flow Adj. for differences in net operating income expectations Other 153 Discounted cash flow Adj. for differences in net operating income expectations Total $ 5,366
Carrying Amounts And Estimated Fair Values Of Financial Instruments Not Carried At Fair Value	Fair Value Hierarchy Carrying Amount Level 1 Level 2 Level 3 Fair Value Amount December 31, 2021: Financial Assets: Cash and due from banks $ 6,477 $ 6,477 $ - $ - $ 6,477 Interest-bearing deposits in banks $ 39,751 $ 39,751 $ - $ - $ 39,751 Investment securities held to maturity $ 122,658 $ - $ 120,157 $ - $ 120,157 Loans held for investment, net $ 1,175,024 $ - $ - $ 1,189,191 $ 1,189,191 Accrued interest receivable $ 5,975 $ - $ 1,222 $ 4,753 $ 5,975 Financial Liabilities: Demand Deposits $ 605,425 $ 605,425 $ - $ - $ 605,425 Money market and savings accounts $ 703,856 $ 703,856 $ - $ - $ 703,856 Interest-bearing checking accounts $ 55,878 $ 55,878 $ - $ - $ 55,878 Time deposits $ 225,220 $ - $ - $ 224,688 $ 224,688 FHLB advances $ 36,000 $ - $ 36,479 $ - $ 36,479 Accrued interest payable $ 96 $ - $ 50 $ 46 $ 96 December 31, 2020: Financial Assets: Cash and due from banks $ 9,828 $ 9,828 $ - $ - $ 9,828 Interest-bearing deposits in banks $ 37,906 $ 37,906 $ - $ - $ 37,906 Loans held for investment, net $ 1,023,418 $ - $ - $ 1,046,782 $ 1,046,782 Accrued interest receivable $ 5,547 $ - $ 874 $ 4,673 $ 5,547 Financial Liabilities: Demand Deposits $ 442,467 $ 442,467 $ - $ - $ 442,467 Money market and savings accounts $ 527,373 $ 527,373 $ - $ - $ 527,373 Interest-bearing checking accounts $ 45,132 $ 45,132 $ - $ - $ 45,132 Time deposits $ 258,430 $ - $ - $ 259,857 $ 259,857 FHLB advances $ 36,000 $ - $ 37,543 $ - $ 37,543 Accrued interest payable $ 156 $ - $ 49 $ 107 $ 156

Stockholders' Equity (Tables)

Stockholders' Equity (Tables)	12 Months Ended
	Dec. 31, 2021
Stockholders' Equity [Abstract]
Schedule Of Dividends On Preferred Shares	2021 2020 Preferred stock - Class C: Non-voting, Non-cumulative, Perpetual: $ 1.00 1,000 per share liquidation preference; annual dividend rate of 4 % of liquidation preference paid quarterly. Quarterly dividend of $ 10.00 $ 1,494 $ 2,110 Preferred stock - Class D: Non-voting, Non-cumulative, Perpetual: $ 1.00 5.00 per share liquidation preference; annual dividend rate of 4 % of par value paid quarterly. Quarterly dividend of $ 0.01 348 492 Preferred stock - Class E: Non-voting, partially cumulative, Perpetual: $ 1.00 $ 1,000 7 % of liquidation preferences paid quarterly. Quarterly dividend of $ 17.50 235 525 Total $ 2,077 $ 3,127

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Calculation Of Net Income (Loss) Available To Common Stockholders Before Being Allocable Between Class A And Class B Common Shares	2021 2020 Net Income $ 21,077 $ 10,820 Less: Preferred stock dividends 2,077 3,127 Less: Exchange and redemption of preferred shares 89,585 - Net income (loss) available to common stockholders $ (70,585) $ 7,693
Calculation Of Basic And Diluted Earnings (Loss) Per Common Share Class	2021 2020 Class A Class B Class A Class B (1) Basic EPS Numerator: Net income (loss) available to common shares before allocation $ (70,585) $ - $ 7,693 $ 7,693 Multiply: % allocated on weighted avg. shares outstanding 100.0% - % 76.1% 23.9% Net income (loss) available to common shares after allocation $ (70,585) $ - $ 5,854 $ 1,839 Denominator: Weighted average shares outstanding 10,507,530 - 3,887,480 6,121,052 Earnings (loss) per share, basic $ (6.72) $ - $ 1.51 $ 0.30 Diluted EPS Numerator: Net income (loss) available to common shares before allocation $ (70,585) $ - $ 7,693 $ 7,693 Multiply: % allocated on weighted avg. shares outstanding 100.0% - % 76.1% 23.9% Net income (loss) available to common shares after allocation $ (70,585) $ - $ 5,854 $ 1,839 Denominator: Weighted average shares outstanding for basic EPS 10,507,530 - 3,887,480 6,121,052 Add: Dilutive effects of assumed exercises of stock options - - 23,810 - Weighted avg. shares including dilutive potential common shares 10,507,530 - 3,911,290 6,121,052 Earnings (loss) per share, diluted $ (6.72) $ - $ 1.50 $ 0.30 Anti-dilutive stock options excluded from diluted EPS 183,303 - 75,666 - (1) of shares outstanding. The allocation also assumes 0.20 1,224,212

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2021
Regulatory Matters [Abstract]
Schedule Of Actual Capital Amounts And Ratios	Actual Minimum Capital Requirements To be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio December 31, 2021: Total $ 186,735 14.92 % $ 100,125 8.00 % $ 125,157 10.00 % Tier 1 risk-based capital $ 171,484 13.70 % $ 75,094 6.00 % $ 100,125 8.00 % Common equity tier 1 capital $ 171,484 13.70 % $ 56,321 4.50 % $ 81,352 6.50 % Leverage ratio $ 171,484 9.55 % $ 71,825 4.00 % $ 89,781 5.00 % December 31, 2020: Total $ 139,326 14.24 % $ 78,260 8.00 % $ 97,825 10.00 % Tier 1 risk-based capital $ 127,061 12.99 % $ 58,695 6.00 % $ 78,260 8.00 % Common equity tier 1 capital $ 94,984 9.71 % $ 44,021 4.50 % $ 63,587 6.50 % Leverage ratio $ 127,061 8.61 % $ 59,053 4.00 % $ 73,817 5.00 %

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2021
Related Party Transactions [Abstract]
Schedule Of Loans To And Deposits From Related Parties	2021 2020 Consolidated Balance Sheets: Loans held for investment, net $ - $ - Deposits $ 1,905 $ 1,793 Consolidated Statements of Operations: Interest income $ - $ - Interest expense $ 16 $ 23

Parent Company Condensed Fina_2

Parent Company Condensed Financial Information (Tables)	12 Months Ended
	Dec. 31, 2021
Parent Company Condensed Financial Information [Abstract]
Schedule Of Condensed Balance Sheets	December 31, 2021 December 31, 2020 ASSETS: Investment in bank subsidiary $ 203,897 $ - Other assets - - Total $ 203,897 $ - LIABILITIES AND STOCKHOLDERS' EQUITY: Other liabilities $ - $ - Stockholders' equity 203,897 - Total $ 203,897 $ -

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Narrative) (Details) $ / shares in Units, $ in Thousands	Dec. 21, 2021	Jun. 16, 2021$ / sharesshares	Dec. 31, 2021USD ($)$ / sharesshares	Jul. 31, 2020shares	Dec. 31, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / shares	Dec. 31, 2015shares	Dec. 28, 2021$ / shares
Significant Accounting Policies Disclosure [Line Items]
Loans outstanding			$ 1,190,081		$ 1,190,081	$ 1,038,504
Deposits with right of offset			28,900		28,900	18,200
Federal Home Loan Bank stock, at cost			2,100		2,100	2,711
Bank owned life insurance			$ 41,720		$ 41,720	$ 25,961
Common stock, par value | $ / shares			$ 1		$ 1
Preferred Stock Shares Outstanding | shares			0		0
Common Class A [Member]
Significant Accounting Policies Disclosure [Line Items]
Common stock, par value | $ / shares		$ 1	$ 1		$ 1	$ 1
Common stock, stock split conversion ratio	5	0.2			0.2	0.2
2015 Option Plan [Member]
Significant Accounting Policies Disclosure [Line Items]
Expiration period							10 years
Number of additional shares authorized | shares			1,400,000	3,000,000
Extended life of option plan				5 years
Number of shares authorized | shares		1,000,000					2,000,000
Subsidiaries [Member]
Significant Accounting Policies Disclosure [Line Items]
Common stock, par value | $ / shares			$ 1		$ 1			$ 1
Building [Member]
Significant Accounting Policies Disclosure [Line Items]
Estimated useful Life					40 years
Furniture, Fixtures And Equipment [Member] | Maximum [Member]
Significant Accounting Policies Disclosure [Line Items]
Estimated useful Life					25 years
Furniture, Fixtures And Equipment [Member] | Minimum [Member]
Significant Accounting Policies Disclosure [Line Items]
Estimated useful Life					3 years
Computer Equipment [Member] | Maximum [Member]
Significant Accounting Policies Disclosure [Line Items]
Estimated useful Life					5 years
Computer Equipment [Member] | Minimum [Member]
Significant Accounting Policies Disclosure [Line Items]
Estimated useful Life					3 years
Loans Outstanding [Member] | Customer Concentration Risk [Member] | Top Ten Lending Relationships [Member]
Significant Accounting Policies Disclosure [Line Items]
Loans outstanding			$ 156,400		$ 156,400	$ 141,500
Concentration risk percentage					13.10%	13.60%
Loans Outstanding [Member] | Customer Concentration Risk [Member] | Ecuador, Honduras, Panama, and El Salvador [Member]
Significant Accounting Policies Disclosure [Line Items]
Loans outstanding			$ 47,900		$ 47,900	$ 38,800

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Item	Dec. 31, 2020USD ($)Item
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Amortized cost	$ 405,853	$ 327,989
Fair Value	401,542	334,322
Pledged und public funds, fair value	20,000
Florida [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Pledged und public funds, fair value	37,300	14,100
Corporate Bond Securities [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Amortized cost	12,068	27,733
Fair Value	$ 12,550	$ 29,615
Corporate Bond Securities [Member] | Florida [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Number of investment securities | Item	11	4
Pledged und public funds, fair value	$ 20,400	$ 7,800
Investment Securities Transferred from Available-for-Sale to Held-to-Maturity [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Number of investment securities | Item	28
Amortized cost	$ 67,600
Fair Value	68,700
Net unrealized gain	1,100
Unrealized losses	66,400
Investment Securities Transferred from Available-for-Sale to Held-to-Maturity [Member] | Corporate Bond Securities [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Amortized cost	$ 108

Investment Securities (Schedule

Investment Securities (Schedule of Available-for-sale Securities and Held-to-maturity Securities Reconciliation) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Available-for-sale:
Amortized Cost	$ 405,853	$ 327,989
Unrealized Gains	2,982	6,923
Unrealized Losses	(7,293)	(590)
Fair Value	401,542	334,322
Held-to-maturity:
Amortized Cost	122,658
Unrealized Gains	14
Unrealized Losses	(2,515)
Fair Value	120,157
U.S. Government Agency - SBA [Member]
Available-for-sale:
Amortized Cost	10,564	1,488
Unrealized Gains	6	64
Unrealized Losses	(50)
Fair Value	10,520	1,552
Held-to-maturity:
Amortized Cost	12,004
Unrealized Gains
Unrealized Losses	(363)
Fair Value	11,641
U.S. Government Agency [Member]
Available-for-sale:
Amortized Cost		20,196
Unrealized Gains		4
Unrealized Losses		(168)
Fair Value		20,032
Held-to-maturity:
Amortized Cost	22,501
Unrealized Gains	14
Unrealized Losses	(252)
Fair Value	22,263
Collateralized Mortgage Obligations [Member]
Available-for-sale:
Amortized Cost	160,506	104,426
Unrealized Gains	22	386
Unrealized Losses	(3,699)	(162)
Fair Value	156,829	104,650
Held-to-maturity:
Amortized Cost	44,820
Unrealized Gains
Unrealized Losses	(1,021)
Fair Value	43,799
Mortgage-Backed Securities - Residential [Member]
Available-for-sale:
Amortized Cost	120,643	80,110
Unrealized Gains	228	1,368
Unrealized Losses	(2,029)	(177)
Fair Value	118,842	81,301
Held-to-maturity:
Amortized Cost	26,920
Unrealized Gains
Unrealized Losses	(568)
Fair Value	26,352
Mortgage-Backed Securities - Commercial [Member]
Available-for-sale:
Amortized Cost	49,905	45,802
Unrealized Gains	820	2,549
Unrealized Losses	(608)	(20)
Fair Value	50,117	48,331
Held-to-maturity:
Amortized Cost	3,103
Unrealized Gains
Unrealized Losses	(90)
Fair Value	3,013
Municipal Securities [Member]
Available-for-sale:
Amortized Cost	25,164	24,230
Unrealized Gains	6	39
Unrealized Losses	(894)	(58)
Fair Value	24,276	24,211
Bank Subordinated Debt Securities [Member]
Available-for-sale:
Amortized Cost	27,003	24,004
Unrealized Gains	1,418	631
Unrealized Losses	(13)	(5)
Fair Value	28,408	24,630
Corporate Bonds [Member]
Available-for-sale:
Amortized Cost	12,068	27,733
Unrealized Gains	482	1,882
Unrealized Losses
Fair Value	12,550	$ 29,615
Held-to-maturity:
Amortized Cost	13,310
Unrealized Gains
Unrealized Losses	(221)
Fair Value	$ 13,089

Investment Securities (Schedu_2

Investment Securities (Schedule of Realized Gains and Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Investments Securities [Abstract]
Proceeds from sales and call of securities	$ 51,974	$ 57,309
Gross Gains	545	862
Gross Losses	(331)	(428)
Net realized gains (losses)	$ 214	$ 434

Investment Securities (Amortize

Investment Securities (Amortized Cost and Fair Value of Investment Securities by Contractual Maturity Date) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Available-for-sale, Amortized Cost:
Due within one year	$ 1,992
Due after one year through five years	5,983
Due after five years through ten years	31,096
Due after ten years	25,164
Amortized Cost	405,853	$ 327,989
Available-for-sale, Fair Value:
Due within one year	2,036
Due after one year through five years	6,288
Due after five years through ten years	32,512
Due after ten years	24,398
Fair Value	401,542	334,322
Held-to-maturity, Amortized Cost:
Due within one year	2,017
Due after one year through five years	11,293
Amortized Cost	122,658
Held-to-maturity, Fair Value:
Due within one year	2,013
Due after one year through five years	11,076
Fair Value	120,157
U.S. Government Agency - SBA [Member]
Available-for-sale, Amortized Cost:
Without single maturity date	10,564
Amortized Cost	10,564	1,488
Available-for-sale, Fair Value:
Without single maturity date	10,520
Fair Value	10,520	1,552
Held-to-maturity, Amortized Cost:
Without single maturity date	12,004
Held-to-maturity, Fair Value:
Without single maturity date	11,641
Fair Value	11,641
U.S. Government Agency [Member]
Available-for-sale, Amortized Cost:
Amortized Cost		20,196
Available-for-sale, Fair Value:
Fair Value		20,032
Held-to-maturity, Amortized Cost:
Without single maturity date	22,501
Held-to-maturity, Fair Value:
Without single maturity date	22,263
Fair Value	22,263
Collateralized Mortgage Obligations [Member]
Available-for-sale, Amortized Cost:
Without single maturity date	160,506
Amortized Cost	160,506	104,426
Available-for-sale, Fair Value:
Without single maturity date	156,829
Fair Value	156,829	104,650
Held-to-maturity, Amortized Cost:
Without single maturity date	44,820
Held-to-maturity, Fair Value:
Without single maturity date	43,799
Fair Value	43,799
Mortgage-Backed Securities - Residential [Member]
Available-for-sale, Amortized Cost:
Without single maturity date	120,643
Amortized Cost	120,643	80,110
Available-for-sale, Fair Value:
Without single maturity date	118,842
Fair Value	118,842	81,301
Held-to-maturity, Amortized Cost:
Without single maturity date	26,920
Held-to-maturity, Fair Value:
Without single maturity date	26,352
Fair Value	26,352
Mortgage-Backed Securities - Commercial [Member]
Available-for-sale, Amortized Cost:
Without single maturity date	49,905
Amortized Cost	49,905	45,802
Available-for-sale, Fair Value:
Without single maturity date	50,117
Fair Value	50,117	$ 48,331
Held-to-maturity, Amortized Cost:
Without single maturity date	3,103
Held-to-maturity, Fair Value:
Without single maturity date	3,013
Fair Value	$ 3,013

Investment Securities (Availabl

Investment Securities (Available-for-Sale Securities, Continuous Unrealized Loss Position, Fair Value) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	$ 311,459	$ 117,918
Less than 12 months, Unrealized Losses	(5,381)	(590)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	110,794
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	4,095
Debt Securities Available For Sale Unrealized Loss Position	422,253	117,918
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	9,476	590
U.S. Government Agency - SBA [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	19,165
Less than 12 months, Unrealized Losses	(146)
Debt Securities Available For Sale Unrealized Loss Position	19,165
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	146
U.S. Government Agency [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	6,786	14,030
Less than 12 months, Unrealized Losses	(108)	(168)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	15,477
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	516
Debt Securities Available For Sale Unrealized Loss Position	22,263	14,030
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	624	168
Collateralized Mortgage Obligations [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	155,668	49,185
Less than 12 months, Unrealized Losses	(3,223)	(162)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	38,459
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	1,497
Debt Securities Available For Sale Unrealized Loss Position	194,127	49,185
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	4,720	162
Mortgage-Backed Securities - Residential [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	88,772	41,611
Less than 12 months, Unrealized Losses	(1,178)	(177)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	37,373
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	1,274
Debt Securities Available For Sale Unrealized Loss Position	126,145	41,611
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	2,452	177
Mortgage-Backed Securities - Commercial [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	25,289	8,219
Less than 12 months, Unrealized Losses	(318)	(20)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	7,507
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	309
Debt Securities Available For Sale Unrealized Loss Position	32,796	8,219
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	627	20
Municipal Securities [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	11,292	3,878
Less than 12 months, Unrealized Losses	(395)	(58)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	11,978
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	499
Debt Securities Available For Sale Unrealized Loss Position	23,270	3,878
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	894	58
Bank Subordinated Debt Securities [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	4,487	995
Less than 12 months, Unrealized Losses	(13)	(5)
Debt Securities Available For Sale Unrealized Loss Position	4,487	995
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	$ 13	$ 5

Loans (Narrative) (Details)

Loans (Narrative) (Details)	12 Months Ended
	Dec. 31, 2021USD ($)Item	Dec. 31, 2020USD ($)Item
Accounts Notes And Loans Receivable [Line Items]
Loans pledged as collateral	$ 185,100,000	$ 250,700,000
Loans in process of foreclosure amount	1,200,000	0
Interest income recognized attributable to nonaccrual loans	0	0
Interest income	5,000	47,000
Interest income recognized on impaired loans	415,000	446,000
Allocated of specfic allowance for TDR loans	360,000	453,000
Commitment to lend additional funds	0	0
Charge-offs	$ 261,000	656,000
Number of Loans | Item	10
Total TDRs	$ 8,876,000	$ 10,874,000
CARES Act Modifications [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Item		132
Total TDRs		$ 185,900,000
CARES Act Modifications [Member] | Financial Asset, Non-Accrual [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Item		2
Total TDRs		$ 777,000
CARES Act Modifications [Member] | Financial Asset Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of Loans | Item	1	2
Total TDRs	$ 289,000	$ 1,400,000
TDR Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Charge-offs	18,000	153,000
Paycheck Protection Program [Member]
Accounts Notes And Loans Receivable [Line Items]
Loan amount	42,400,000	104,800,000
Deferred loan fees	1,500,000	1,800,000
Loan fees	4,500,000	3,100,000
Commercial and Industrial [Member]
Accounts Notes And Loans Receivable [Line Items]
Allocated of specfic allowance for TDR loans	71,000	108,000
Charge-offs	$ 18,000	153,000
Number of Loans | Item	2
Total TDRs	$ 141,000	$ 202,000

Loans (Summary of Loans Held fo

Loans (Summary of Loans Held for Investment) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts Notes And Loans Receivable [Line Items]
Total gross loans	$ 1,191,659	$ 1,041,015
Less: Unearned income	1,578	2,511
Total loans net of unearned income	1,190,081	1,038,504
Less: ACL	15,057	15,086
Total net loans	$ 1,175,024	$ 1,023,418
Percent of Total	100.00%	99.80%
Residential Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Total gross loans	$ 201,359	$ 232,754
Percent of Total	16.90%	22.30%
Commercial Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Total gross loans	$ 704,988	$ 606,425
Percent of Total	59.20%	58.20%
Commercial and Industrial [Member]
Accounts Notes And Loans Receivable [Line Items]
Total gross loans	$ 146,592	$ 157,330
Percent of Total	12.30%	15.10%
Foreign Banks [Member]
Accounts Notes And Loans Receivable [Line Items]
Total gross loans	$ 59,491	$ 38,999
Percent of Total	5.00%	3.70%
Consumer and Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Total gross loans	$ 79,229	$ 5,507
Percent of Total	6.60%	0.50%

Loans (Allowance for Credit Los

Loans (Allowance for Credit Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	$ 15,086	$ 11,998
Provision for credit losses	(160)	3,250
Recoveries	392	494
Charge-offs	(261)	(656)
Ending balance	15,057	15,086
Allowance for Credit Losses:
Individually evaluated for impairment	360	453
Collectively evaluated for impairment	14,697	14,633
Balances, end of period	15,057	15,086
Loans:
Individually evaluated for impairment	10,067	11,652
Collectively evaluated for impairment	1,181,592	1,029,363
Balances, end of period	1,191,659	1,041,015
Residential Real Estate [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	3,408	3,749
Provision for credit losses	(919)	(36)
Recoveries	238	168
Charge-offs	(229)	(473)
Ending balance	2,498	3,408
Allowance for Credit Losses:
Individually evaluated for impairment	178	220
Collectively evaluated for impairment	2,320	3,188
Balances, end of period	2,498	3,408
Loans:
Individually evaluated for impairment	9,006	10,439
Collectively evaluated for impairment	192,353	222,315
Balances, end of period	201,359	232,754
Commercial Real Estate [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	9,453	6,591
Provision for credit losses	(695)	2,861
Recoveries		1
Charge-offs
Ending balance	8,758	9,453
Allowance for Credit Losses:
Collectively evaluated for impairment	8,758	9,453
Balances, end of period	8,758	9,453
Loans:
Individually evaluated for impairment	696	733
Collectively evaluated for impairment	704,292	605,692
Balances, end of period	704,988	606,425
Commercial and Industrial [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	1,689	1,214
Provision for credit losses	955	321
Recoveries	149	307
Charge-offs	(18)	(153)
Ending balance	2,775	1,689
Allowance for Credit Losses:
Individually evaluated for impairment	71	108
Collectively evaluated for impairment	2,704	1,581
Balances, end of period	2,775	1,689
Loans:
Individually evaluated for impairment	141	202
Collectively evaluated for impairment	146,451	157,128
Balances, end of period	146,592	157,330
Foreign Banks [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	348	332
Provision for credit losses	109	16
Ending balance	457	348
Allowance for Credit Losses:
Collectively evaluated for impairment	457	348
Balances, end of period	457	348
Loans:
Collectively evaluated for impairment	59,491	38,999
Balances, end of period	59,491	38,999
Consumer and Other [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	188	112
Provision for credit losses	390	88
Recoveries	5	18
Charge-offs	(14)	(30)
Ending balance	569	188
Allowance for Credit Losses:
Individually evaluated for impairment	111	125
Collectively evaluated for impairment	458	63
Balances, end of period	569	188
Loans:
Individually evaluated for impairment	224	278
Collectively evaluated for impairment	79,005	5,229
Balances, end of period	$ 79,229	$ 5,507

Loans (Loan Credit Exposures) (

Loans (Loan Credit Exposures) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable Recorded Investment [Line Items]
Total Loans	$ 1,191,659	$ 1,041,015
Residential Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	201,359	232,754
Residential Real Estate [Member] | HELOC and Other [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	701	905
Residential Real Estate [Member] | 1-4 Family Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	135,421	158,688
Residential Real Estate [Member] | Condo Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	65,237	73,161
Commercial Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	704,988	606,425
Commercial Real Estate [Member] | Land and Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	24,581	37,348
Commercial Real Estate [Member] | Multifamily Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	127,489	111,047
Commercial Real Estate [Member] | Condo Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	42,400	37,613
Commercial Real Estate [Member] | Commercial Property [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	510,411	416,770
Commercial Real Estate [Member] | Leasehold Improvements [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	107	3,647
Commercial and Industrial [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	146,592	157,330
Commercial and Industrial [Member] | Secured [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	98,141	44,457
Commercial and Industrial [Member] | Unsecured [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	48,451	112,873
Foreign Banks [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	59,491	38,999
Consumer and Other [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	79,229	5,507
Pass [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	1,184,662	1,032,366
Pass [Member] | Residential Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	196,778	225,861
Pass [Member] | Residential Real Estate [Member] | HELOC and Other [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	701	905
Pass [Member] | Residential Real Estate [Member] | 1-4 Family Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	130,840	151,940
Pass [Member] | Residential Real Estate [Member] | Condo Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	65,237	73,016
Pass [Member] | Commercial Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	703,349	605,180
Pass [Member] | Commercial Real Estate [Member] | Land and Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	24,581	37,348
Pass [Member] | Commercial Real Estate [Member] | Multifamily Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	127,489	111,047
Pass [Member] | Commercial Real Estate [Member] | Condo Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	41,983	37,171
Pass [Member] | Commercial Real Estate [Member] | Commercial Property [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	509,189	415,967
Pass [Member] | Commercial Real Estate [Member] | Leasehold Improvements [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	107	3,647
Pass [Member] | Commercial and Industrial [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	146,039	157,097
Pass [Member] | Commercial and Industrial [Member] | Secured [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	97,605	44,255
Pass [Member] | Commercial and Industrial [Member] | Unsecured [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	48,434	112,842
Pass [Member] | Foreign Banks [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	59,491	38,999
Pass [Member] | Consumer and Other [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	79,005	5,229
Special Mention [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	1,222
Special Mention [Member] | Commercial Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	1,222
Special Mention [Member] | Commercial Real Estate [Member] | Commercial Property [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	1,222
Substandard [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	5,775	8,649
Substandard [Member] | Residential Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	4,581	6,893
Substandard [Member] | Residential Real Estate [Member] | 1-4 Family Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	4,581	6,748
Substandard [Member] | Residential Real Estate [Member] | Condo Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans		145
Substandard [Member] | Commercial Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	417	1,245
Substandard [Member] | Commercial Real Estate [Member] | Condo Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	417	442
Substandard [Member] | Commercial Real Estate [Member] | Commercial Property [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans		803
Substandard [Member] | Commercial and Industrial [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	553	233
Substandard [Member] | Commercial and Industrial [Member] | Secured [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	536	202
Substandard [Member] | Commercial and Industrial [Member] | Unsecured [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	17	31
Substandard [Member] | Consumer and Other [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	$ 224	$ 278

Loans (Aging Analysis of Accrui

Loans (Aging Analysis of Accruing and Total Non-Accruing Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	$ 1,190,469	$ 1,039,437
Non-Accrual	1,190	1,578
Balances, end of period	1,191,659	1,041,015
Residential Real Estate [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	200,169	231,199
Non-Accrual	1,190	1,555
Balances, end of period	201,359	232,754
Residential Real Estate [Member] | HELOC and Other [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	701	905
Balances, end of period	701	905
Residential Real Estate [Member] | 1-4 Family Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	134,231	157,133
Non-Accrual	1,190	1,555
Balances, end of period	135,421	158,688
Residential Real Estate [Member] | Condo Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	65,237	73,161
Balances, end of period	65,237	73,161
Commercial Real Estate [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	704,988	606,425
Balances, end of period	704,988	606,425
Commercial Real Estate [Member] | Land and Construction [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	24,581	37,348
Balances, end of period	24,581	37,348
Commercial Real Estate [Member] | Multifamily Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	127,489	111,047
Balances, end of period	127,489	111,047
Commercial Real Estate [Member] | Condo Commercial [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	42,400	37,613
Balances, end of period	42,400	37,613
Commercial Real Estate [Member] | Commercial Property [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	510,411	416,770
Balances, end of period	510,411	416,770
Commercial Real Estate [Member] | Leasehold Improvements [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	107	3,647
Balances, end of period	107	3,647
Commercial and Industrial [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	146,592	157,307
Non-Accrual		23
Balances, end of period	146,592	157,330
Commercial and Industrial [Member] | Secured [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	98,141	44,434
Non-Accrual		23
Balances, end of period	98,141	44,457
Commercial and Industrial [Member] | Unsecured [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	48,451	112,873
Balances, end of period	48,451	112,873
Foreign Banks [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	59,491	38,999
Balances, end of period	59,491	38,999
Consumer and Other [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	79,229	5,507
Balances, end of period	79,229	5,507
Current [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	1,188,080	1,036,044
Current [Member] | Residential Real Estate [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	198,886	228,309
Current [Member] | Residential Real Estate [Member] | HELOC and Other [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	701	905
Current [Member] | Residential Real Estate [Member] | 1-4 Family Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	133,942	154,779
Current [Member] | Residential Real Estate [Member] | Condo Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	64,243	72,625
Current [Member] | Commercial Real Estate [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	704,552	606,287
Current [Member] | Commercial Real Estate [Member] | Land and Construction [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	24,581	37,348
Current [Member] | Commercial Real Estate [Member] | Multifamily Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	127,053	111,047
Current [Member] | Commercial Real Estate [Member] | Condo Commercial [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	42,400	37,475
Current [Member] | Commercial Real Estate [Member] | Commercial Property [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	510,411	416,770
Current [Member] | Commercial Real Estate [Member] | Leasehold Improvements [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	107	3,647
Current [Member] | Commercial and Industrial [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	146,182	157,251
Current [Member] | Commercial and Industrial [Member] | Secured [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	98,141	44,378
Current [Member] | Commercial and Industrial [Member] | Unsecured [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	48,041	112,873
Current [Member] | Foreign Banks [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	59,491	38,999
Current [Member] | Consumer and Other [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	78,969	5,198
Past Due 30-89 Days [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	2,389	3,393
Past Due 30-89 Days [Member] | Residential Real Estate [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	1,283	2,890
Past Due 30-89 Days [Member] | Residential Real Estate [Member] | 1-4 Family Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	289	2,354
Past Due 30-89 Days [Member] | Residential Real Estate [Member] | Condo Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	994	536
Past Due 30-89 Days [Member] | Commercial Real Estate [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	436	138
Past Due 30-89 Days [Member] | Commercial Real Estate [Member] | Multifamily Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	436
Past Due 30-89 Days [Member] | Commercial Real Estate [Member] | Condo Commercial [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing		138
Past Due 30-89 Days [Member] | Commercial and Industrial [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	410	56
Past Due 30-89 Days [Member] | Commercial and Industrial [Member] | Secured [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing		56
Past Due 30-89 Days [Member] | Commercial and Industrial [Member] | Unsecured [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	410
Past Due 30-89 Days [Member] | Consumer and Other [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	$ 260	$ 309

Loans (Impaired Loans) (Details

Loans (Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable Impaired [Line Items]
Impaired Loans with No Specific Allowance Recorded: Unpaid Principal Balance	$ 5,717	$ 5,833
Impaired Loans with Specific Allowance Recorded: Unpaid Principal Balance	4,350	5,819
Unpaid Principal Balance	10,067	11,652
Impaired Loans with Specific Allowance Recorded: Net Investment Balance	4,315	5,782
Impaired Loans with No Specific Allowance Recorded: Net Investment Balance	5,730	5,825
Net Investment Income	10,045	11,607
Valuation Allowance	360	453
Average Recorded Investment	9,937	8,877
Residential Real Estate [Member]
Financing Receivable Impaired [Line Items]
Impaired Loans with No Specific Allowance Recorded: Unpaid Principal Balance	5,021	5,100
Impaired Loans with Specific Allowance Recorded: Unpaid Principal Balance	3,985	5,339
Impaired Loans with Specific Allowance Recorded: Net Investment Balance	3,950	5,302
Impaired Loans with No Specific Allowance Recorded: Net Investment Balance	5,035	5,093
Valuation Allowance	178	220
Average Recorded Investment	8,791	6,869
Commercial Real Estate [Member]
Financing Receivable Impaired [Line Items]
Impaired Loans with No Specific Allowance Recorded: Unpaid Principal Balance	696	733
Impaired Loans with No Specific Allowance Recorded: Net Investment Balance	695	732
Average Recorded Investment	714	1,722
Commercial and Industrial [Member]
Financing Receivable Impaired [Line Items]
Impaired Loans with Specific Allowance Recorded: Unpaid Principal Balance	141	202
Impaired Loans with Specific Allowance Recorded: Net Investment Balance	141	202
Valuation Allowance	71	108
Average Recorded Investment	178	230
Consumer and Other [Member]
Financing Receivable Impaired [Line Items]
Impaired Loans with Specific Allowance Recorded: Unpaid Principal Balance	224	278
Impaired Loans with Specific Allowance Recorded: Net Investment Balance	224	278
Valuation Allowance	111	125
Average Recorded Investment	$ 254	$ 56

Loans (Performing and Non-Perfo

Loans (Performing and Non-Performing Troubled Debt Restructurings) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	$ 8,876	$ 10,874
Residential Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	7,815	9,661
Commercial Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	696	733
Commercial and Industrial [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	141	202
Consumer and Other [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	224	278
Performing Financing Receivable [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	8,876	10,074
Performing Financing Receivable [Member] | Residential Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	7,815	8,884
Performing Financing Receivable [Member] | Commercial Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	696	733
Performing Financing Receivable [Member] | Commercial and Industrial [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	141	179
Performing Financing Receivable [Member] | Consumer and Other [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	$ 224	278
Nonperforming Financing Receivable [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs		800
Nonperforming Financing Receivable [Member] | Residential Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs		777
Nonperforming Financing Receivable [Member] | Commercial and Industrial [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs		$ 23

Loans (Troubled Debt Restructur

Loans (Troubled Debt Restructuring Loans) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)Item
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | Item	10
Recorded Investment Prior to Modification	$ 6,664
Recorded Investment After Modification	$ 6,660
Residential Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | Item	6
Recorded Investment Prior to Modification	$ 5,679
Recorded Investment After Modification	$ 5,679
Commercial Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | Item	1
Recorded Investment Prior to Modification	$ 451
Recorded Investment After Modification	$ 451
Commercial and Industrial [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | Item	2
Recorded Investment Prior to Modification	$ 255
Recorded Investment After Modification	$ 255
Consumer and Other [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | Item	1
Recorded Investment Prior to Modification	$ 279
Recorded Investment After Modification	$ 275

Leases (ROU Assets And Leases L

Leases (ROU Assets And Leases Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
ROU Assets: Operating leases	$ 14,185	$ 14,513
Lease liabilities: Operating leases	$ 14,185	$ 14,513

Leases (Weighted Average Remain

Leases (Weighted Average Remaining Lease Term And Weighted Average Discount Rate) (Details)	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Weighed average remaining lease term: Operating leases (in years)	8 years 3 months 10 days	9 years 1 month 17 days
Weighted average discount rate: Operating leases	2.32%	2.49%

Leases (Future Lease Payment Ob

Leases (Future Lease Payment Obligations And Reconciliation To Lease Liability) (Details) $ in Thousands	Dec. 31, 2021USD ($)
Leases [Abstract]
2022	$ 2,837
2023	2,471
2024	2,540
2025	2,606
2026	1,675
Thereafter	3,968
Total future minimum lease payments	$ 16,097

Leases (Future Lease Payment _2

Leases (Future Lease Payment Obligations And Reconciliation To Lease Liability II) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Leases [Abstract]
Total future minimum lease payments	$ 16,097
Less: interest component	(1,912)
Lease liability	$ 14,185	$ 14,513

Premises And Equipment (Narrati

Premises And Equipment (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Property Plant And Equipment [Line Items]
Depreciation and amortization expense	$ 1	$ 1.3
Elimination of assets		$ 0.5
Branch Sale And Relocation [Member]
Property Plant And Equipment [Line Items]
Depreciation and amortization expense	0.6
Elimination of assets	$ 0.6

Premises And Equipment (Summary

Premises And Equipment (Summary Of Premises And Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 26,118	$ 27,198
Accumulated depreciation and amortization	(20,840)	(20,851)
Premises and equipment, net	5,278	6,347
Land [Member]
Property Plant And Equipment [Line Items]
Premises and equipment, gross	972	1,372
Building [Member]
Property Plant And Equipment [Line Items]
Premises and equipment, gross	1,947	2,625
Furniture, Fixtures And Equipment [Member]
Property Plant And Equipment [Line Items]
Premises and equipment, gross	8,726	9,080
Computer Hardware And Software [Member]
Property Plant And Equipment [Line Items]
Premises and equipment, gross	4,552	4,471
Leasehold Improvements [Member]
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 9,921	$ 9,650

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Line Items]
Federal staturoy income tax rate	21.00%	21.00%
Unrecognized tax benefits	$ 0	$ 0
Interest or penalties	0	$ 0
Domestic Country [Member]
Income Tax Disclosure [Line Items]
Net operating loss carryforwards	109,500,000
State And Local Jurisdiction [Member]
Income Tax Disclosure [Line Items]
Net operating loss carryforwards	$ 132,200,000

Income Taxes (Components of Inc

Income Taxes (Components of Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Current:
Federal
State
Total current
Deferred:
Federal	5,314	2,074
State	1,286	514
Total deferred	6,600	2,588
Total	$ 6,600	$ 2,588

Income Taxes (Statutory Tax Exp

Income Taxes (Statutory Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Income Taxes [Abstract]
Federal taxes at statutory rate	$ 5,812	$ 2,815
State income taxes, net of federal tax benefit	969	469
Bank owned life insurance	(186)	(174)
Other, net	5	(522)
Total	$ 6,600	$ 2,588

Income Taxes (Provision for Inc

Income Taxes (Provision for Income Taxes) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred tax assets:
Net operating loss	$ 28,819	$ 35,506
Allowance for credit losses	3,816	3,824
Lease liability	3,595	3,617
Unrealized loss on available for sale securities	817
Deferred loan fees	400	636
Depreciable property	361	285
Stock option compensation	241	169
Accrual	600	349
Other, net	2	7
Deferred tax asset	38,651	44,393
Deferred tax liabilities:
Unrealized gain on available for sale securities		(1,553)
Lease right of use asset	(3,595)	(3,617)
Deferred expenses	(127)	(64)
Deferred tax liability	(3,722)	(5,234)
Net deferred tax asset	$ 34,929	$ 39,159

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
Time deposits exceeding the FDIC insurance limit of $250 thousand	$ 119,400	$ 104,100
Reclassification of time deposits	$ 247	$ 224

Deposits (Schedule Of Deposits

Deposits (Schedule Of Deposits By Types) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
Noninterest-bearing deposits	$ 605,425	$ 442,467
Interest-bearing transaction accounts	55,878	45,132
Saving and money market deposits	703,856	527,373
Time deposits	225,220	258,430
Total deposits	$ 1,590,379	$ 1,273,402

Deposits (Schedule Of Maturitie

Deposits (Schedule Of Maturities Of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
2022	$ 184,495
2023	15,111
2024	4,164
2025	1,172
2026	20,271
Thereafter	7
Total deposits	$ 225,220	$ 258,430

Borrowings (Narrative) (Details

Borrowings (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Borrowings [Abstract]
Borrowed funds, fixed rate advances from FHLB	$ 36,000	$ 36,000

Borrowings (Schedule Of Fixed I

Borrowings (Schedule Of Fixed Interest Rates And Expected Maturities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Debt Instrument [Line Items]
Amount	$ 36,000	$ 36,000
FHLB, Fixed Rate 0.81% [Member]
Debt Instrument [Line Items]
Interest Rate	0.81%
Maturity Date	Aug. 17, 2023
Amount	$ 5,000
FHLB, Fixed Rate 1.04% [Member]
Debt Instrument [Line Items]
Interest Rate	1.04%
Maturity Date	Jul. 30, 2024
Amount	$ 5,000
FHLB, Fixed Rate 2.05% [Member]
Debt Instrument [Line Items]
Interest Rate	2.05%
Maturity Date	Mar. 27, 2025
Amount	$ 10,000
FHLB, Fixed Rate 1.91% [Member]
Debt Instrument [Line Items]
Interest Rate	1.91%
Maturity Date	Mar. 28, 2025
Amount	$ 5,000
FHLB, Fixed Rate 1.81% [Member]
Debt Instrument [Line Items]
Interest Rate	1.81%
Maturity Date	Apr. 17, 2025
Amount	$ 5,000
FHLB, Fixed Rate 1.07% [Member]
Debt Instrument [Line Items]
Interest Rate	1.07%
Maturity Date	Jul. 18, 2025
Amount	$ 6,000

Equity Based And Other Compen_3

Equity Based And Other Compensation Plans (Narrative) (Details)	Dec. 21, 2021	Jun. 16, 2021shares	Dec. 31, 2021USD ($)shares	Jul. 31, 2020shares	Dec. 31, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / sharesshares	Dec. 31, 2015shares
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Contributions to the 401(k) plan					$ 296,000	$ 282,000
2015 Option Plan [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of shares authorized | shares		1,000,000					2,000,000
Exercisable term, years							10 years
Expiration period							10 years
Number of additional shares authorized | shares			1,400,000	3,000,000
Extended life of option plan				5 years
Number of shares available for grant | shares			1,401,667		1,401,667	621,667
Compensation expense					$ 287,000	$ 187,000
Tax benefit from compensation expense					0	0
Unrecognized compensation cost			$ 1,300,000		$ 1,300,000	$ 100,000
Weighted average fair value of options granted | $ / shares					$ 2.32	$ 0
Common Class A [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stockholders' Equity Note, Stock Split, Conversion Ratio	5	0.2			0.2	0.2

Equity Based And Other Compen_4

Equity Based And Other Compensation Plans (Schedule Of Stock Options Valuation Assumptions) (Details) - Stock Option [Member]	12 Months Ended
	Dec. 31, 2021
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Risk-free interest rate	1.49%
Expected term	10 years
Expected stock price volatility	10.00%
Dividend yield	0.00%

Equity Based And Other Compen_5

Equity Based And Other Compensation Plans (Schedule Of Stock Options Activity) (Details) $ / shares in Units, $ in Thousands	Dec. 21, 2021	Jun. 16, 2021	Dec. 31, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / sharesshares	Dec. 31, 2019$ / sharesshares
Equity Based And Other Compensation Plans [Abstract]
Stock Options, Balance at the beginning | shares			339,667	365,667
Stock Options, Granted | shares			620,000
Stock Options, Exercised | shares				(2,000)
Stock Options, Forfeited | shares				(24,000)
Stock Options, Balance at the ending | shares			959,667	339,667	365,667
Stock Options, Exercisable | shares			319,667	242,333
Weighted Average Exercise Price, Balance at the beginning | $ / shares			$ 9.37	$ 9.30
Weighted Average Exercise Price, Granted | $ / shares			11.69
Weighted Average Exercise Price, Exercised | $ / shares				7.50
Weighted Average Exercise Price, Forfeited | $ / shares				8.17
Weighted Average Exercise Price, Balance at the ending | $ / shares			10.87	9.37	$ 9.30
Weighted Average Exercise Price, Exercisable | $ / shares			$ 9.07	$ 8.71
Weighted Average Remaining Contractual Years			8 years 4 months 24 days	7 years 1 month 6 days	8 years 6 months
Weighted Average Remaining Contractual Years, Exercisable			6 years	6 years 7 months 6 days
Aggregate Intrinsic Value, Exercisable | $			$ 663	$ 208
Common Class A [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stockholders' Equity Note, Stock Split, Conversion Ratio	5	0.2	0.2	0.2

Off-Balance Sheet Arrangement_2

Off-Balance Sheet Arrangements (Schedule of Financials Instruments with Off-Balance Sheet Risk) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Financial instruments with off-balance sheet risk	$ 141,297	$ 109,366
Commitments to Grant Loans and Unfunded Lines of Credit
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Financial instruments with off-balance sheet risk	134,877	107,553
Standby and Commercial Letters of Credit [Member]
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Financial instruments with off-balance sheet risk	$ 6,420	$ 1,813

Derivatives (Narrative) (Detail

Derivatives (Narrative) (Details) - Interest Rate Swap [Member] $ in Millions	Dec. 31, 2021USD ($)Item	Dec. 31, 2020USD ($)Item
Derivatives Fair Value [Line Items]
Number of instruments with loan customers | Item	18	15
Notional amount | $	$ 39.2	$ 30.6

Derivatives (Summary of Interes

Derivatives (Summary of Interest Rate Swaps) (Details) - Interest Rate Swap [Member] - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Derivatives Fair Value [Line Items]
Notional Amount	$ 39,200	$ 30,600
Not Designated as Hedging Instrument [Member] | Customer Loans [Member]
Derivatives Fair Value [Line Items]
Notional Amount	39,156	30,611
Collateral Amount	1,260	260
Not Designated as Hedging Instrument [Member] | Other Assets [Member] | Customer Loans [Member]
Derivatives Fair Value [Line Items]
Asset	1,434	500
Not Designated as Hedging Instrument [Member] | Other Liabilities [Member] | Customer Loans [Member]
Derivatives Fair Value [Line Items]
Liability	$ 1,434	$ 500

Fair Value Measurements (Narrat

Fair Value Measurements (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans carrying amount	$ 1,175,024,000	$ 1,023,418,000
Impaired loan impairment charge	261,000	656,000
Fair Value, Nonrecurring [Member] | Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans carrying amount	4,400,000	5,800,000
Impaired loans fair value	3,990,000	5,366,000
Impaired loan impairment charge	360,000	453,000
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans fair value	3,990,000	5,366,000
Financial liabilities measured at fair value	$ 0	$ 0

Fair Value Measurements (Schedu

Fair Value Measurements (Schedule Of Assets Measured At Fair Value On Recurring And Nonrecurring Basis) (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	$ 401,542,000	$ 334,322,000
Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	401,542,000	334,322,000
Derivative assets	1,434,000	500,000
Total assets at fair value	402,976,000	334,822,000
Derivative liabilities	1,434,000	500,000
Total liabilities at fair value	1,434,000	500,000
U.S. Government Agency - SBA [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	10,520,000	1,552,000
U.S. Government Agency [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value		20,032,000
Collateralized Mortgage Obligations [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	156,829,000	104,650,000
Mortgage-Backed Securities - Residential [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	118,842,000	81,301,000
Mortgage-Backed Securities - Commercial [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	50,117,000	48,331,000
Municipal Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	24,276,000	24,211,000
Bank Subordinated Debt Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	28,408,000	24,630,000
Corporate Bonds [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	12,550,000	29,615,000
Impaired Loans [Member] | Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	3,990,000	5,366,000
Level 1 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Derivative assets
Total assets at fair value
Derivative liabilities
Total liabilities at fair value
Level 1 [Member] | U.S. Government Agency - SBA [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 1 [Member] | U.S. Government Agency [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 1 [Member] | Collateralized Mortgage Obligations [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 1 [Member] | Mortgage-Backed Securities - Residential [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 1 [Member] | Mortgage-Backed Securities - Commercial [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 1 [Member] | Municipal Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 1 [Member] | Bank Subordinated Debt Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 1 [Member] | Corporate Bonds [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 1 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value
Level 2 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	401,542,000	334,322,000
Derivative assets	1,434,000	500,000
Total assets at fair value	402,976,000	334,822,000
Derivative liabilities	1,434,000	500,000
Total liabilities at fair value	1,434,000	500,000
Level 2 [Member] | U.S. Government Agency - SBA [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	10,520,000	1,552,000
Level 2 [Member] | U.S. Government Agency [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value		20,032,000
Level 2 [Member] | Collateralized Mortgage Obligations [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	156,829,000	104,650,000
Level 2 [Member] | Mortgage-Backed Securities - Residential [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	118,842,000	81,301,000
Level 2 [Member] | Mortgage-Backed Securities - Commercial [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	50,117,000	48,331,000
Level 2 [Member] | Municipal Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	24,276,000	24,211,000
Level 2 [Member] | Bank Subordinated Debt Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	28,408,000	24,630,000
Level 2 [Member] | Corporate Bonds [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	12,550,000	29,615,000
Level 2 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value
Level 3 [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Derivative assets
Total assets at fair value
Derivative liabilities
Total liabilities at fair value
Level 3 [Member] | U.S. Government Agency - SBA [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 3 [Member] | U.S. Government Agency [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 3 [Member] | Collateralized Mortgage Obligations [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 3 [Member] | Mortgage-Backed Securities - Residential [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 3 [Member] | Mortgage-Backed Securities - Commercial [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 3 [Member] | Municipal Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 3 [Member] | Bank Subordinated Debt Securities [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 3 [Member] | Corporate Bonds [Member] | Fair Value, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value
Level 3 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	3,990,000	5,366,000
Total liabilities at fair value	$ 0	$ 0

Fair Value Measurements (Quanti

Fair Value Measurements (Quantified Information About Level 3 Fair Value Measurements For Assets Measured At Fair Value On A Non-recurring Basis) (Details) - Fair Value, Nonrecurring [Member] - Impaired Loans [Member] - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans fair value	$ 3,990	$ 5,366
Level 3 [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans fair value	3,990	5,366
Level 3 [Member] | Residential Real Estate [Member] | Sales Comparison Approach [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans fair value	3,807	5,119
Level 3 [Member] | Commercial And Industrial [Member] | Discounted Cash Flow [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans fair value	70	94
Level 3 [Member] | Other [Member] | Discounted Cash Flow [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans fair value	$ 113	$ 153

Fair Value Measurements (Carryi

Fair Value Measurements (Carrying Amounts And Estimated Fair Values Of Financial Instruments Not Carried At Fair Value) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial Assets:
Investment securities held to maturity	$ 120,157
Carrying Amount [Member]
Financial Assets:
Cash and due from banks	6,477	$ 9,828
Interest-bearing deposits in banks	39,751	37,906
Investment securities held to maturity	122,658
Loans held for investment, net	1,175,024	1,023,418
Accrued interest receivable	5,975	5,547
Financial Liabilities:
Demand deposits	605,425	442,467
Money market and savings accounts	703,856	527,373
Interest-bearing checking accounts	55,878	45,132
Time deposits	225,220	258,430
FHLB advances	36,000	36,000
Accrued interes payable	96	156
Fair Value [Member]
Financial Assets:
Cash and due from banks	6,477	9,828
Interest-bearing deposits in banks	39,751	37,906
Investment securities held to maturity	120,157
Loans held for investment, net	1,189,191	1,046,782
Accrued interest receivable	5,975	5,547
Financial Liabilities:
Demand deposits	605,425	442,467
Money market and savings accounts	703,856	527,373
Interest-bearing checking accounts	55,878	45,132
Time deposits	224,688	259,857
FHLB advances	36,479	37,543
Accrued interes payable	96	156
Fair Value [Member] | Level 1 [Member]
Financial Assets:
Cash and due from banks	6,477	9,828
Interest-bearing deposits in banks	39,751	37,906
Investment securities held to maturity
Loans held for investment, net
Accrued interest receivable
Financial Liabilities:
Demand deposits	605,425	442,467
Money market and savings accounts	703,856	527,373
Interest-bearing checking accounts	55,878	45,132
Time deposits
FHLB advances
Accrued interes payable
Fair Value [Member] | Level 2 [Member]
Financial Assets:
Cash and due from banks
Interest-bearing deposits in banks
Investment securities held to maturity	120,157
Loans held for investment, net
Accrued interest receivable	1,222	874
Financial Liabilities:
Demand deposits
Money market and savings accounts
Interest-bearing checking accounts
Time deposits
FHLB advances	36,479	37,543
Accrued interes payable	50	49
Fair Value [Member] | Level 3 [Member]
Financial Assets:
Cash and due from banks
Interest-bearing deposits in banks
Investment securities held to maturity
Loans held for investment, net	1,189,191	1,046,782
Accrued interest receivable	4,753	4,673
Financial Liabilities:
Demand deposits
Money market and savings accounts
Interest-bearing checking accounts
Time deposits	224,688	259,857
FHLB advances
Accrued interes payable	$ 46	$ 107

Stockholders' Equity (Narrative

Stockholders' Equity (Narrative) (Details)	Dec. 21, 2021shares	Jul. 27, 2021USD ($)$ / sharesshares	Jun. 16, 2021$ / sharesshares	Dec. 31, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / sharesshares	Mar. 24, 2022USD ($)shares	Dec. 28, 2021$ / shares	Apr. 05, 2021USD ($)
Class of Stock [Line Items]
Common stock issued share price | $ / shares				$ 1
Net income | $				$ 21,077,000	$ 10,820,000
Common stock, par value | $ / shares				$ 1
Preferred stock, share outstanding				0
Subsidiaries [Member]
Class of Stock [Line Items]
Common stock issued share price | $ / shares				$ 1
Common stock, par value | $ / shares				$ 1			$ 1
Common Class A [Member]
Class of Stock [Line Items]
Common stock, shares issued				19,991,753	3,889,469
Stock issued	1,224,212
Conversion of common stock shares issued			1	10,278,072
Common stock, par value | $ / shares			$ 1	$ 1	$ 1
Common stock, stock split conversion ratio	5		0.2	0.2	0.2
Common Class A [Member] | IPO [Member]
Class of Stock [Line Items]
Stock issued		4,600,000
Proceeds from issuance of common stock | $		$ 40,000,000
Common stock issued share price | $ / shares		$ 10
Common Class B [Member]
Class of Stock [Line Items]
Common stock, shares issued				0	6,121,052
Common stock, par value | $ / shares				$ 1	$ 1
Conversion of stock, converted from	6,121,052
Preferred Stock Class C [Member]
Class of Stock [Line Items]
Preferred stock converted				47,473
Preferred stock, shares issued				0	52,748
Preferred stock, share outstanding				0	52,748
Preferred Stock Class D [Member]
Class of Stock [Line Items]
Preferred stock converted				11,061,552
Preferred stock, shares issued				0	12,290,631
Preferred stock, share outstanding				0	12,290,631
Preferred Stock Class E [Member]
Class of Stock [Line Items]
Preferred shares total liquidation value | $								$ 7,500,000
Outstanding dividends | $								$ 103,000,000
Preferred stock, shares issued				0	7,500
Preferred stock, share outstanding				0	7,500
Class C Preferred Stock And Class D Preferred Stock [Member]
Class of Stock [Line Items]
Preferred stock conversion ratio				0.90
Preferred stock remaining conversion ratio to be redeemed in form of the cash				10.00%
Preferred shares total liquidation value | $				$ 102,800,000
Net income | $				(89,600,000)
Class C Preferred Stock And Class D Preferred Stock [Member] | Subsequent Event [Member]
Class of Stock [Line Items]
Preferred stock converted						1,234,354
Preferred shares total liquidation value | $						$ 11,400,000
Preferred Stock [Member]
Class of Stock [Line Items]
Outstanding dividends | $				0
Common Stock [Member]
Class of Stock [Line Items]
Outstanding dividends | $				$ 0	$ 0

Stockholders' Equity (Schedule

Stockholders' Equity (Schedule Of Dividends On Preferred Shares) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Class of Stock [Line Items]
Dividend paid	$ 2,077	$ 3,127
Preferred Stock Class C [Member]
Class of Stock [Line Items]
Dividend paid	$ 1,494	$ 2,110
Preferred stock, par value	$ 1	$ 1
Preferred stock, per share liquidation preference	$ 1,000	$ 1,000
Preferred stock, dividend rate, percentage	4.00%
Quarterly paid per share	$ 10
Preferred Stock Class D [Member]
Class of Stock [Line Items]
Dividend paid	$ 348	$ 492
Preferred stock, par value	$ 1	$ 1
Preferred stock, per share liquidation preference	$ 5	$ 5
Preferred stock, dividend rate, percentage	4.00%
Quarterly paid per share	$ 0.01
Preferred Stock Class E [Member]
Class of Stock [Line Items]
Dividend paid	$ 235	$ 525
Preferred stock, par value	$ 1	$ 1
Preferred stock, per share liquidation preference	$ 1,000	$ 1,000
Preferred stock, dividend rate, percentage	7.00%
Quarterly paid per share	$ 17.50

Earnings Per Share (Narrative)

Earnings Per Share (Narrative) (Details)	Dec. 21, 2021	Jun. 16, 2021	Dec. 31, 2021	Dec. 31, 2020
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Percent used to calculate income allocation			20.00%
Common Class A [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Common stock, stock split conversion ratio	5	0.2	0.2	0.2

Earnings Per Share (Calculation

Earnings Per Share (Calculation Of Net Income (Loss) Available To Common Stockholders Before Being Allocable Between Class A And Class B Common Shares) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Earnings Per Share [Abstract]
Net income	$ 21,077	$ 10,820
Less: Preferred stock dividends	2,077	3,127
Less: Exchange and redemption of preferred shares	89,585
Net income (loss) available to common stockholders	$ (70,585)	$ 7,693

Earnings Per Share (Calculati_2

Earnings Per Share (Calculation Of Basic And Diluted Earnings (Loss) Per Common Share Class) (Details) - USD ($) $ / shares in Units, $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2020
Basic EPS
Net income (loss) available to common shares before allocation		$ (70,585)	$ 7,693
Common Class A [Member]
Basic EPS
Net income (loss) available to common shares before allocation		$ (70,585)	$ 7,693
Multiply: % allocated on weighted average shares outstanding		100.00%	76.10%
Net Income (loss) available to common shares after allocation		$ (70,585)	$ 5,854
Weighted average shares outstanding		10,507,530	3,887,480
Earnings (loss) per share, basic	[1],[2]	$ (6.72)	$ 1.51
Diluted EPS
Add: Dilutive effects of assumed exercises of stock options		0	23,810
Weighted ave. share including dilutive potential common shares		10,507,530	3,911,290
Earnings (loss) per share, diluted	[1],[2]	$ (6.72)	$ 1.50
Anti-dilutive stock options excluded from diluted EPS calculation		183,303	75,666
Common Class B [Member]
Basic EPS
Net income (loss) available to common shares before allocation			$ 7,693
Multiply: % allocated on weighted average shares outstanding			23.90%
Net Income (loss) available to common shares after allocation			$ 1,839
Weighted average shares outstanding		0	6,121,052
Earnings (loss) per share, basic	[1]	$ 0	$ 0.30
Diluted EPS
Add: Dilutive effects of assumed exercises of stock options		0	0
Weighted ave. share including dilutive potential common shares		0	6,121,052
Earnings (loss) per share, diluted	[1]	$ 0	$ 0.30
Anti-dilutive stock options excluded from diluted EPS calculation		0	0
Common stock shares converted			1,224,212
Common stock shares price per share			$ 0.20
[1]	(1)
[2]	(2) common stock were adjusted to reflect the 1

Regulatory Matters (Narrative)

Regulatory Matters (Narrative) (Details)	Dec. 31, 2021$ / shares	Dec. 28, 2021$ / shares
Regulatory Matters [Abstract]
Capital conservation buffer, percent	0.025
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Common stock, par value	$ 1
Subsidiaries [Member]
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Common stock, par value	$ 1	$ 1

Regulatory Matters (Schedule Of

Regulatory Matters (Schedule Of Actual Capital Amounts And Ratios) (Details) $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Regulatory Matters [Abstract]
Total risk-based capital, Actual, Amount	$ 186,735	$ 139,326
Total risk-based capital, Actual, Ratio	0.1492	0.1424
Total risk-based capital, Minimum Capital Requirement, Amount	$ 100,125	$ 78,260
Total risk-based capital, Minimum Capital Requirement, Ratio	0.0800	0.0800
Total risk-based capital, To be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 125,157	$ 97,825
Total risk-based capital, To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.1000	0.1000
Tier 1 risk-based capital, Actual, Amount	$ 171,484	$ 127,061
Tier 1 risk-based capital, Actual, Ratio	0.1370	0.1299
Tier 1 risk-based capital, Minimum Capital Requirement, Amount	$ 75,094	$ 58,695
Tier 1 risk-based capital, Minimum Capital Requirement, Ratio	0.0600	0.0600
Tier 1 risk-based capital, To be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 100,125	$ 78,260
Tier 1 risk-based capital, To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.0800	0.0800
Common equity tier 1 capital, Actual, Amount	$ 171,484	$ 94,984
Common equity tier 1 capital, Actual, Ratio	0.1370	0.0971
Common equity tier 1 capital, Minimum Capital Requirement, Amount	$ 56,321	$ 44,021
Common equity tier 1 capital, Minimum Capital Requirement, Ratio	0.0450	0.0450
Common equity tier 1 capital, To be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 81,352	$ 63,587
Common equity tier 1 capital, To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.0650	0.0650
Leverage ratio, Actual, Amount	$ 171,484	$ 127,061
Leverage ratio, Actual, Ratio	0.0955	0.0861
Leverage ratio, Minimum Capital Requirement, Amount	$ 71,825	$ 59,053
Leverage ratio, Minimum Capital Requirement, Ratio	0.0400	0.0400
Leverage ratio, To be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 89,781	$ 73,817
Leverage ratio, To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.0500	0.0500

Related Party Transactions (Sch

Related Party Transactions (Schedule Of Loans To And Deposits From Related Parties) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Related Party Transactions [Abstract]
Loans held for investment, net
Deposits	1,905	1,793
Interest income
Interest expense	$ 16	$ 23

Parent Company Condensed Fina_3

Parent Company Condensed Financial Information (Schedule Of Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Condensed Balance Sheet Statements Captions [Line Items]
Other assets	$ 4,300	$ 2,030
Total assets	1,853,939	1,501,742
Stockholders' equity	203,897	171,001	$ 160,282
Total liabilities and stockholders' equity	1,853,939	1,501,742
Parent Company [Member]
Condensed Balance Sheet Statements Captions [Line Items]
Investment in bank subsidiary	203,897
Other assets
Total assets	203,897
Other liabilities
Stockholders' equity	203,897
Total liabilities and stockholders' equity	$ 203,897

Subsequent Events (Narrative) (

Subsequent Events (Narrative) (Details)	Jan. 24, 2022shares
Subsequent Event [Member]
Subsequent Event [Line Items]
Share repurchase program, amount of shares	750,000