0001562762-23-000140 | 10-K/A | XBRL Viewer | Uscb Financial Holdings INC

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Stockholders' Equity (Tables)	12 Months Ended
Stockholders' Equity (Tables)	Dec. 31, 2022
Stockholders' Equity [Abstract]
Schedule Of Dividends On Preferred Shares	2022 2021 Preferred stock - Class C: Non-voting, Non-cumulative, Perpetual: $ 1.00 par value; $ 1,000 per share liquidation preference; annual dividend rate of 4 % of liquidation preference paid quarterly. Quarterly dividend of $ 10.00 per share. $ - $ 1,494 Preferred stock - Class D: Non-voting, Non-cumulative, Perpetual: $ 1.00 par value; $ 5.00 per share liquidation preference; annual dividend rate of 4 % of par value paid quarterly. Quarterly dividend of $ 0.01 per share. - 348 Preferred stock - Class E: Non-voting, partially cumulative, Perpetual: $ 1.00 par value; $ 1,000 per share liquidation preference; annual dividend rate of 7 % of liquidation preferences paid quarterly. Quarterly dividend of $ 17.50 per share. - 235 Total dividends paid $ - $ 2,077

- Definition

Tabular disclosure of an entity's stock, including par or stated value per share, number and dollar amount of share subscriptions, shares authorized, shares issued, shares outstanding, number and dollar amount of shares held in an employee trust, dividend per share, total dividends, share conversion features, par value plus additional paid in capital, the value of treasury stock and other information necessary to a fair presentation, and EPS information. Stock by class includes common, convertible, and preferred stocks which are not redeemable or redeemable solely at the option of the issuer. Includes preferred stock with redemption features that are solely within the control of the issuer and mandatorily redeemable stock if redemption is required to occur only upon liquidation or termination of the reporting entity. If more than one issue is outstanding, state the title of each issue and the corresponding dollar amount; dollar amount of any shares subscribed but unissued and the deduction of subscriptions receivable there from; number of shares authorized, issued, and outstanding.

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+ Details

Investment Securities	12 Months Ended
Investment Securities	Dec. 31, 2022
Investments Securities [Abstract]
Investment Securities	2. INVESTMENT SECURITIES The following tables present a summary of the amortized cost, unrealized or unrecognized gains and losses, and fair value of investment securities at the dates indicated (in thousands): For the year ended December 31, 2022, there were 26 investment securities that were transferred from available-for- sale (“AFS”) to held-to-maturity (“HTM”) with an amortized cost basis and fair value amount of $ 74.4 million and $ 63.8 million, respectively. On the date of transfer, these securities had a total net unrealized loss of $ 10.6 million which was included in accumulated other comprehensive income (loss). 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 date of transfer is retained in accumulated other comprehensive income (“AOCI”) and in the carrying value of the held-to-maturity securities. Such amounts are amortized over the remaining life of the security. For the year ended December 31, 2022, total amortization out of AOCI for the net unrealized losses on securities transferred from AFS to HTM was $ 120 thousand and $ 108 thousand for year ended December 31, 2021. The following table presents the proceeds, realized gross gains and realized gross losses on sales and calls of AFS debt securities for the years ended December 31, 2022 and 2021 (in thousands): The amortized cost and fair value of investment securities, by contractual maturity, are shown below for the date indicated (in thousands). Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately. At December 31, 2022 and 2021, there were no securities to any one issuer, in an amount greater than 10% of total stockholders’ equity other than the United States Government and Government Agencies. All the collateralized mortgage obligations and mortgage-backed securities are issued by United States sponsored entities at December 31, 2022 and 2021. Information pertaining to investment securities with gross unrealized losses, aggregated by investment category and length of time that those individual securities have been in a continuous loss position, are presented as of the following dates (in thousands): The unrealized losses associated with $ 134.7 million of investment securities transferred from the AFS portfolio to the HTM portfolio represent unrealized losses since the date of purchase, independent of the impact associated with changes in the cost basis upon transfer between portfolios. The Company performs a review of the investments that have an unrealized loss to determine whether there have been any changes in the economic circumstance of the security issuer to indicate that the unrealized loss is impaired on an other- than-temporary (“OTTI”) basis. Management considers several factors in their analysis including (i) severity and duration of the impairment, (ii) credit rating of the 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 security before recovery, (iv) whether there have been any payment defaults and (v) underlying guarantor of the securities. At December 31, 2022, the Company had $ 53.7 million of unrealized losses on mortgage backed securities and collateralized mortgage obligations of government sponsored entities having a fair value of $ 294.6 million that were attributable to a combination of factors, including relative changes in interest rates since the time of purchase. The contractual cash flows for these securities are guaranteed by U.S. government agencies and U.S. government sponsored entities. The municipal bonds are of high credit quality and the declines in fair value are not due to credit quality. Based on the assessment of these mitigating factors, management believes that the unrealized losses on these debt security holdings are a function of changes in investment spreads and interest rate movements and not changes in credit quality. Management expects to recover the entire amortized cost basis of these securities. At December 31, 2022, the Company does not intend to sell debt securities that are in an unrealized loss position and it is not more than likely than not that the Company will be required to sell these securities before recovery of the amortized cost basis. Therefore, management does not consider any investment to be other than temporarily impaired at December 31, 2022. As of December 31, 2022, the Company maintains a master repurchase agreement with a public banking institution for up to $ 20.0 million fully guaranteed with investment securities upon withdrawal. Any amounts borrowed would be at a variable interest rate based on prevailing rates at the time funding is requested. At December 31, 2022, the Company did no t 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 authority to legally maintain public deposits from cities, municipalities, and the State of Florida. These public deposits are secured by securities pledged to the State of Florida at a ratio of 25 % of the average outstanding uninsured deposits. The Company must also maintain a minimum amount of pledged securities to be in the program. At December 31, 2022, the Company had eighteen securities with a fair value of $ 49.0 million pledged to the State of Florida under the public funds program. The Company held a total of $ 204.2 million in public funds at December 31, 2022. At December 31, 2021, the Company had eleven securities with a fair value of $ 20.4 million pledged to the State of Florida under the public funds program. The Company held a total of $ 37.3 million in public funds at December 31, 2021. December 31, 2022 Available-for-sale: Amortized Cost Unrealized Gains Unrealized Losses Fair Value U.S. Government Agency $ 10,177 $ - $ (1,522) $ 8,655 Collateralized mortgage obligations 118,951 - (23,410) 95,541 Mortgage-backed securities - Residential 73,838 - (12,959) 60,879 Mortgage-backed securities - Commercial 32,244 15 (4,305) 27,954 Municipal securities 25,084 - (6,601) 18,483 Bank subordinated debt securities 15,964 5 (1,050) 14,919 Corporate bonds 4,037 - (328) 3,709 $ 280,295 $ 20 $ (50,175) $ 230,140 Held-to-maturity: U.S. Government Agency $ 44,914 $ 25 $ (5,877) $ 39,062 U.S. Treasury 9,841 - (13) 9,828 Collateralized mortgage obligations 68,727 28 (7,830) 60,925 Mortgage-backed securities - Residential 42,685 372 (4,574) 38,483 Mortgage-backed securities - Commercial 11,442 - (665) 10,777 Corporate bonds 11,090 - (1,077) 10,013 $ 188,699 $ 425 $ (20,036) $ 169,088 December 31, 2021 Available-for-sale: Amortized Cost Unrealized Gains Unrealized Losses Fair Value U.S. Government Agency $ 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 $ 34,505 $ 14 $ (615) $ 33,904 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 Available-for-sale: 2022 2021 Proceeds from sales and call of securities $ 60,649 $ 51,974 Gross Gains $ 217 $ 545 Gross Losses (2,746) (331) Net realized gains (losses) $ (2,529) $ 214 Available-for-sale Held-to-maturity December 31, 2022: Amortized Cost Fair Value Amortized Cost Fair Value Due within one year $ - $ - $ 1,515 $ 1,475 Due after one year through five years 4,037 3,709 9,575 8,539 Due after five years through ten years 16,964 15,722 - - Due after ten years 24,084 17,680 - - U.S. Government Agency 10,177 8,655 44,914 39,061 U.S. Treasury - - 9,841 9,828 Collateralized mortgage obligations 118,951 95,541 68,727 60,925 Mortgage-backed securities - Residential 73,838 60,879 42,685 38,483 Mortgage-backed securities - Commercial 32,244 27,954 11,442 10,777 $ 280,295 $ 230,140 $ 188,699 $ 169,088 December 31, 2022 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 $ 11,407 (1,093) 36,310 (7,616) $ 47,717 $ (8,709) U.S. Treasury 9,828 (13) - - 9,828 $ (13) Collateralized mortgage obligations 16,500 (963) 139,965 (34,962) 156,465 $ (35,925) Mortgage-backed securities - Residential 5,059 (564) 91,742 (19,348) 96,801 $ (19,912) Mortgage-backed securities - Commercial 10,052 (1,173) 26,823 (5,300) 36,875 $ (6,473) Municipal securities - - 18,483 (6,601) 18,483 $ (6,601) Bank subordinated debt securities 11,295 (670) 2,619 (381) 13,914 $ (1,051) Corporate bonds 13,723 (926) - - 13,723 $ (926) $ 77,864 $ (5,402) $ 315,942 $ (74,208) $ 393,806 $ (79,610) 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 $ 25,951 $ (254) $ 15,477 $ (516) $ 41,428 $ (770) 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)

Premises And Equipment (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Property Plant And Equipment [Line Items]
Depreciation and amortization expense	$ 688	$ 1,000
Branch Sale And Relocation [Member]
Property Plant And Equipment [Line Items]
Depreciation and amortization expense	600
Elimination of assets	$ 600

Deposits (Schedule Of Deposits By Types) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
Noninterest-bearing deposits	$ 629,776	$ 605,425
Interest-bearing transaction accounts	66,675	55,878
Saving and money market deposits	915,853	703,856
Time deposits	216,977	225,220
Total deposits	$ 1,829,281	$ 1,590,379

Equity Based And Other Compensation Plans (Schedule Of Stock Options Valuation Assumptions) (Details) - Stock Option [Member]	12 Months Ended
	Dec. 31, 2022
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Risk-free interest rate	2.34%
Expected term	10 years
Expected stock price volatility	10.00%
Dividend yield	0.00%

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
Document and Entity Information - USD ($) $ in Millions	Dec. 31, 2022	Mar. 15, 2023	Jun. 30, 2022
Document and Entity Information [Abstract]
Document Type	10-K/A
Document Annual Report	true
Current Fiscal Year End Date	--12-31
Document Period End Date	Dec. 31, 2022
Document Transition Report	false
Document Fiscal Year Focus	2022
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		19,622,380
Amendment Flag	true
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]	Certain portions of the registrant’s Proxy Statement for the 2023 Annual Meeting of Shareholders (the “2023 Proxy Statement”) are incorporated by reference into Part III of this report.
Entity Public Float			$ 125.4
Auditor Name	Crowe LLP
Auditor Firm Id	173
Auditor Location	Fort Lauderdale, Florida
Amendment Description	EXPLANATORY NOTE This Amendment No. 1 (“Amendment No. 1”) to the Annual Report on Form 10-K of USCB Financial Holdings, Inc. (the “Company”, “we,” “our” or “us”) for the fiscal year ended December 31, 2022, as filed with the Securities and Exchange Commission (“SEC”) on March 24, 2023 (the “2022 Annual Report” or “Original Report”), is being filed (i) to correct an HTML conversion error in the stock performance graph included in Item 5 of Part II and (ii) to delete the logo of the independent registered public accounting firm that was inadvertently included on more pages than the audit report in the consolidated financial statements included in Item 8 of Part II (none of the financial data contained in the consolidated financial statements and the notes thereto set forth in Item 8 was revised or modified in any way). In accordance with Rule 12b-15 under the Securities Exchange Act of 1934, as amended, Item 5 and Item 8 of Part II of the 2022 Annual Report are hereby amended and restated in their entirety. In addition, pursuant to Rule 12b-15, the Company is including Item 15 of Part IV with this Amendment No. 1, solely to file the certifications required under Sections 302 and 906 of the Sarbanes-Oxley Act of 2002. This Amendment No. 1 does not affect any other portion of the 2022 Annual Report. Additionally, except as specifically referenced herein, this Amendment No. 1 does not reflect any event after March 24, 2023, the filing date of the 2022 Annual Report or modify disclosures affected by subsequent events. Terms used herein but not otherwise defined in Amendment No. 1 have such meaning ascribed to them in the Original Report.

Premises And Equipment	12 Months Ended
Premises And Equipment	Dec. 31, 2022
Premises And Equipment [Abstract]
Premises And Equipment	5. PREMISES AND EQUIPMENT A summary of premises and equipment are presented below as of December 31, 2022 and 2021 (in thousands): 2022 2021 Land $ 972 $ 972 Building 1,952 1,947 Furniture, fixtures and equipment 8,841 8,726 Computer hardware and software 4,575 4,552 Leasehold improvements 10,451 9,921 Premises and equipment, gross 26,791 26,118 Accumulated depreciation and amortization (21,528) (20,840) Premises and equipment, net $ 5,263 $ 5,278 Depreciation and amortization expense was $ 688 thousand and $ 1.0 million for the years ended December 31, 2022 and 2021, respectively. During 2021, the Company eliminated $ 0.6 million in assets due to the sale of one banking center and relocation of another banking center. The depreciation on these assets was $ 0.6 million with the remaining amount recognized as an immaterial loss.

Investment Securities (Schedule of Available-for-sale Securities and Held-to-maturity Securities Reconciliation) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Available-for-sale:
Amortized Cost	$ 280,295	$ 405,853
Unrealized Gains	20	2,982
Unrealized Losses	(50,175)	(7,293)
Fair Value	230,140	401,542
Held-to-maturity:
Amortized Cost	188,699	122,658
Unrealized Gains	425	14
Unrealized Losses	(20,036)	(2,515)
Fair Value	169,088	120,157
U.S. Government Agency [Member]
Available-for-sale:
Amortized Cost	10,177	10,564
Unrealized Gains		6
Unrealized Losses	(1,522)	(50)
Fair Value	8,655	10,520
Held-to-maturity:
Amortized Cost	44,914	34,505
Unrealized Gains	25	14
Unrealized Losses	(5,877)	(615)
Fair Value	39,062	33,904
U.S. Treasury [Member]
Held-to-maturity:
Amortized Cost	9,841
Unrealized Gains
Unrealized Losses	(13)
Fair Value	9,828
Collateralized Mortgage Obligations [Member]
Available-for-sale:
Amortized Cost	118,951	160,506
Unrealized Gains		22
Unrealized Losses	(23,410)	(3,699)
Fair Value	95,541	156,829
Held-to-maturity:
Amortized Cost	68,727	44,820
Unrealized Gains	28
Unrealized Losses	(7,830)	(1,021)
Fair Value	60,925	43,799
Mortgage-Backed Securities - Residential [Member]
Available-for-sale:
Amortized Cost	73,838	120,643
Unrealized Gains		228
Unrealized Losses	(12,959)	(2,029)
Fair Value	60,879	118,842
Held-to-maturity:
Amortized Cost	42,685	26,920
Unrealized Gains	372
Unrealized Losses	(4,574)	(568)
Fair Value	38,483	26,352
Mortgage-Backed Securities - Commercial [Member]
Available-for-sale:
Amortized Cost	32,244	49,905
Unrealized Gains	15	820
Unrealized Losses	(4,305)	(608)
Fair Value	27,954	50,117
Held-to-maturity:
Amortized Cost	11,442	3,103
Unrealized Gains
Unrealized Losses	(665)	(90)
Fair Value	10,777	3,013
Municipal Securities [Member]
Available-for-sale:
Amortized Cost	25,084	25,164
Unrealized Gains		6
Unrealized Losses	(6,601)	(894)
Fair Value	18,483	24,276
Bank Subordinated Debt Securities [Member]
Available-for-sale:
Amortized Cost	15,964	27,003
Unrealized Gains	5	1,418
Unrealized Losses	(1,050)	(13)
Fair Value	14,919	28,408
Corporate Bonds [Member]
Available-for-sale:
Amortized Cost	4,037	12,068
Unrealized Gains		482
Unrealized Losses	(328)
Fair Value	3,709	12,550
Held-to-maturity:
Amortized Cost	11,090	13,310
Unrealized Gains
Unrealized Losses	(1,077)	(221)
Fair Value	$ 10,013	$ 13,089

Deposits	12 Months Ended
Deposits	Dec. 31, 2022
Deposits [Abstract]
Deposits	7. DEPOSITS The following table presents deposits by type at December 31, 2022 and 2021 (in thousands): 2022 2021 Non-interest bearing deposits $ 629,776 $ 605,425 Interest-bearing transaction accounts 66,675 55,878 Saving and money market deposits 915,853 703,856 Time deposits 216,977 225,220 Total deposits $ 1,829,281 $ 1,590,379 Time deposits exceeding the FDIC deposit insurance limit of $250 thousand at December 31, 2022 and 2021 were $ 82.0 million and $ 119.4 million, respectively. At December 31, 2022, the scheduled maturities of time deposits were (in thousands): 2023 $ 182,647 2024 11,135 2025 1,998 2026 20,402 2027 549 Thereafter 246 $ 216,977 At December 31, 2022 and 2021, the aggregate amount of demand deposits reclassified to loans as overdrafts was $ 230 thousand and $ 247 thousand, respectively.

Stockholders' Equity (Schedule Of Dividends On Preferred Shares) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Class of Stock [Line Items]
Dividend paid		$ 2,077
Preferred Stock Class C [Member]
Class of Stock [Line Items]
Dividend paid		$ 1,494
Preferred stock, par value	$ 1.00	$ 1
Preferred stock, per share liquidation preference	$ 1,000	$ 1,000
Preferred stock, dividend rate, percentage	4.00%
Quarterly paid per share	$ 10.00
Preferred Stock Class D [Member]
Class of Stock [Line Items]
Dividend paid		$ 348
Preferred stock, par value	$ 1.00	$ 1
Preferred stock, per share liquidation preference	$ 5.00	$ 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
Preferred stock, par value	$ 1.00	$ 1
Preferred stock, per share liquidation preference	$ 1,000	$ 1,000
Preferred stock, dividend rate, percentage	7.00%
Quarterly paid per share	$ 17.50

Equity Based And Other Compensation Plans (Tables)	12 Months Ended
Equity Based And Other Compensation Plans (Tables)	Dec. 31, 2022
Equity Based And Other Compensation Plans [Abstract]
Schedule Of Stock Options Valuation Assumptions	Assumption 2022 Risk-free interest rate 2.34 % Expected term 10 years 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 (in thousands) Balance at January 1, 2022 959,667 $ 10.87 8.4 Granted 15,000 $ 14.03 Exercised (9,000) $ 11.35 Balance at December 31, 2022 965,667 $ 10.91 7.4 Exercisable at December 31, 2022 560,000 $ 10.18 6.4 $ 1,131 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

Stockholders' Equity (Narrative) (Details)				12 Months Ended
Stockholders' Equity (Narrative) (Details)	Dec. 21, 2021 shares	Jul. 27, 2021 USD ($) $ / shares shares	Jun. 16, 2021 $ / shares shares	Dec. 31, 2022 USD ($) $ / shares shares	Dec. 31, 2021 USD ($) $ / shares shares	Dec. 28, 2021 $ / shares	Apr. 05, 2021 USD ($)
Class of Stock [Line Items]
Common stock issued share price \| $ / shares				$ 1.00
Conversion of common stock shares issued				1,234,354
Net income \| $				$ 20,141,000	$ 21,077,000
Common stock, par value \| $ / shares				$ 1.00
Preferred stock, share outstanding				0
Subsidiaries [Member]
Class of Stock [Line Items]
Common stock issued share price \| $ / shares				$ 1.00
Common stock, par value \| $ / shares				$ 1.00		$ 1.00
Common Class A [Member]
Class of Stock [Line Items]
Common stock, shares issued				20,000,753	19,991,753
Stock issued	1,224,212
Conversion of common stock shares issued			1	10,278,072
Common stock, par value \| $ / shares			$ 1.00	$ 1.00	$ 1
Common stock, stock split conversion ratio					0.2
Common Class A [Member] \| IPO [Member]
Class of Stock [Line Items]
Stock issued		4,600,000
Proceeds from issuance of common stock \| $		$ 40,000,000.0
Common stock issued share price \| $ / shares		$ 10.00
Common Class B [Member]
Class of Stock [Line Items]
Common stock, shares issued				0	0
Common stock, par value \| $ / shares				$ 1.00	$ 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	0
Preferred stock, share outstanding				0	0
Preferred Stock Class D [Member]
Class of Stock [Line Items]
Preferred stock converted				11,061,552
Preferred stock, shares issued				0	0
Preferred stock, share outstanding				0	0
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	0
Preferred stock, share outstanding				0	0
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 \| $				$ 11,400,000	$ 102,800,000
Net income \| $				(89,600,000)
Preferred Stock [Member]
Class of Stock [Line Items]
Outstanding dividends \| $				0
Common Stock [Member]
Class of Stock [Line Items]
Outstanding dividends \| $				$ 0	$ 0

Off-Balance Sheet Arrangements (Schedule of Financials Instruments with Off-Balance Sheet Risk) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Financial instruments with off-balance sheet risk	$ 99,781	$ 141,297
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	95,461	134,877
Standby and Commercial Letters of Credit [Member]
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Financial instruments with off-balance sheet risk	$ 4,320	$ 6,420

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Cash flows from operating activities:
Net income	$ 20,141	$ 21,077
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	2,495	(160)
Depreciation and amortization	688	1,033
Amortization of premiums on securities, net	433	596
Accretion of deferred loan fees, net	(1,497)	(3,754)
Stock based compensation	523	287
Loss (Gain) on sale of available for sale securities	2,529	(214)
Gain on sale of loans held for sale	(891)	(1,626)
Gain on sale of premises and equipment, net		(983)
Increase in cash surrender value of bank owned life insurance	(1,061)	(759)
Decrease in deferred tax asset	6,945	6,600
Net change in operating assets and liabilities:
Accrued interest receivable	(1,571)	(428)
Other assets	(3,449)	(2,270)
Accrued interest and other liabilities	4,252	2,652
Net cash provided by operating activities	29,537	22,051
Cash flows from investing activities:
Purchase of investment securities held to maturity	(14,739)	(57,917)
Proceeds from maturities and pay-down of investment securities held to maturity	12,237	3,736
Purchase of investment securities available for sale	(53,113)	(258,767)
Proceeds from maturities and pay-down of investment securities available for sale	40,754	61,047
Proceeds from sales of investment securities available for sale	60,649	48,940
Proceeds from call of investment securities available for sale		3,034
Net increase in loans held for investment	(257,580)	(33,515)
Purchase of loans held for investment	(70,175)	(129,531)
Additions to premises and equipment	(673)	(633)
Proceeds from the sale of loans held for sale	12,821	16,980
Proceeds from the sale of property		1,652
Proceeds from the redemption of Federal Home Loan Bank stock	3,440	611
Purchase of Federal Home Loan Bank stock	(4,222)
Purchase of bank owned life insurance		(15,000)
Net cash used in investment activities	(270,601)	(359,363)
Cash flows from financing activities:
Proceeds from issuance of Class A common stock, net	102	39,826
Cash dividends paid		(2,077)
Net increase in deposits	238,902	316,977
Proceeds from Federal Home Loan Bank advances	126,000
Repayments on Federal Home Loan Bank advances	(116,000)
Net cash provided by financing activities	249,004	335,806
Net increase (decrease) in cash and cash equivalents	7,940	(1,506)
Cash and cash equivalents at beginning of year	46,228	47,734
Cash and cash equivalents at end of year	54,168	46,228
Supplemental disclosures of cash flow information:
Interest paid	7,306	4,286
Supplemental schedule of non-cash investing and financing activities:
Transfer of loans held for investment to loans held for sale	11,930	15,354
Transfer of investment securities from available-for-sale to held-to-maturity	63,798	68,667
Transfer of premises and equipment to assets held for sale		652
Lease liability arising from obtaining right-of-use assets	3,203	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

Fair Value Measurements	12 Months Ended
Fair Value Measurements	Dec. 31, 2022
Fair Value Measurements [Abstract]
Fair Value Measurements	12. FAIR VALUE MEASUREMENTS Determination of Fair Value The Company uses fair value measurements to record fair-value adjustments to certain assets and liabilities and to determine fair value disclosures. In accordance with the fair value measurements accounting guidance, the fair value of a 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 participants at the measurement date. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company's various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation 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 an immediate settlement of the instrument. The fair value guidance provides a consistent definition of fair value, which focuses on exit price in an orderly transaction (that is, not a forced liquidation or distressed sale) between market participants at the measurement date under current market conditions. If there has been a significant decrease in the volume and level of activity for the asset or liability, a change in valuation technique or the use of multiple valuation techniques may be appropriate. In such instances, determining the price at which willing market participants would transact at the measurement date under current market conditions depends on the facts and circumstances and requires the use of significant judgment. The fair value is a reasonable point within the range that is most representative of fair value under current market conditions. Fair Value Hierarchy In accordance with this guidance, the Company groups its financial assets and financial liabilities generally measured at fair value in three levels, based on the markets in which the assets and liabilities are traded, and the reliability of the assumptions used to determine fair value. Level 1 - Valuation is based on quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. Level 1 assets and liabilities generally include debt and equity securities that are traded in an active exchange market. Valuations are obtained from readily available pricing sources for market transactions involving identical assets or liabilities. Level 2 - Valuation is based on inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly. The valuation may be based on quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the asset or liability. Level 3 - Valuation is based on unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which determination of fair value requires significant management judgment or estimation. A financial instrument's categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. Items Measured at Fair Value on a Recurring Basis Investment securities: When instruments are traded in secondary markets and quoted market prices do not exist for such securities, management generally relies on prices obtained from independent vendors or third-party broker -dealers. 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 third- party broker-dealers are classified within Level 2 of the hierarchy and often involve using quoted market prices for similar securities, pricing models or discounted cash flow analyses utilizing inputs observable in the market where available. Derivatives: The fair value of derivatives are measured with pricing provided by third-party participants and are classified within Level 2 of the hierarchy. The following table represents the Company's assets measured at fair value on a recurring basis at December 31, 2022 and 2021 for each of the fair value hierarchy levels (in thousands): Items Measured at Fair Value on a Non-recurring Basis Impaired Loans: At December 31, 2022 and 2021, in accordance with provisions of the loan impairment guidance, individual loans with a carrying amount of approximately $ 3.9 million and $ 4.4 million, respectively, were written down to their fair value of approximately $ 3.6 million and $ 4.0 million, respectively, resulting in an impairment charge of $ 294 thousand and $ 360 thousand, respectively, which was included in the allowance for credit losses at December 31, 2022 and 2021, respectively. Loans applicable to write-downs, or impaired loans, are estimated using the present value of expected cash flows or the appraised value of the underlying collateral discounted as necessary due to management's estimates of changes in economic conditions are considered a Level 3 valuation. Other Real Estate: Other real estate owned are valued at the lesser of the third-party appraisals less management's estimate of the costs to sell or the carrying cost of the other real estate owned. Appraisals generally use the market approach valuation technique and use market observable data to formulate an opinion of the fair value of the properties. However, the appraiser uses professional judgment in determining the fair value of the property and the Company may also adjust the value for changes in market conditions subsequent to the valuation date when current appraisals are not available. As a consequence of the carrying cost or the third-party appraisal and adjustments therein, the fair values of the properties are 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, 2022 and 2021 for each of the fair value hierarchy levels (in thousands): The following table presents quantified information about Level 3 fair value measurements for assets measured at fair value on a non-recurring basis at December 31, 2022 and 2021 (in thousands): There were no financial liabilities measured at fair value on a non-recurring basis at December 31, 2022 and 2021. Items Not Measured at Fair Value The carrying amounts and estimated fair values of financial instruments not carried at fair value, at December 31, 2022 and 2021 are as follows (in thousands): 2022 2021 Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total Investment securities available for sale: U.S. Government Agency $ - $ 8,655 $ - $ 8,655 $ - $ 10,520 $ - $ 10,520 Collateralized mortgage obligations - 95,541 - 95,541 - 156,829 - 156,829 Mortgage-backed securities - Residential - 60,879 - 60,879 - 118,842 - 118,842 Mortgage-backed securities - Commercial - 27,954 - 27,954 - 50,117 - 50,117 Municipal securities - 18,483 - 18,483 - 24,276 - 24,276 Bank subordinated debt securities - 14,919 - 14,919 - 28,408 - 28,408 Corporate bonds - 3,709 - 3,709 - 12,550 - 12,550 Total - 230,140 - 230,140 - 401,542 - 401,542 Derivative assets - 5,011 - 5,011 - 1,434 - 1,434 Total assets at fair value $ - $ 235,151 $ - $ 235,151 $ - $ 402,976 $ - $ 402,976 Derivative liabilities $ - $ 5,011 $ - $ 5,011 $ - $ 1,434 $ - $ 1,434 Total liabilities at fair value $ - $ 5,011 $ - $ 5,011 $ - $ 1,434 $ - $ 1,434 Level 1 Level 2 Level 3 Total December 31, 2022: Impaired loans $ - $ - $ 3,639 $ 3,639 December 31, 2021: Impaired loans $ - $ - $ 3,990 $ 3,990 Fair Value Valuation Technique(s) Unobservable Input(s) December 31, 2022: Residential real estate $ 3,500 Sales comparison approach Adj. for differences between comparable sales Commercial and industrial 41 Discounted cash flow Adj. for differences in net operating income expectations Other 98 Discounted cash flow Adj. for differences in net operating income expectations Total impaired loans $ 3,639 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 impaired loans $ 3,990 Fair Value Hierarchy Carrying Amount Level 1 Level 2 Level 3 Fair Value Amount December 31, 2022: Financial Assets: Cash and due from banks $ $6,605 $ $6,605 $ - $ - $ 6,605 Interest-bearing deposits in banks $ 47,563 $ 47,563 $ - $ - $ 47,563 Investment securities held to maturity $ 188,699 $ - $ 169,088 $ - $ 169,088 Loans held for investment, net $ 1,489,851 $ - $ - $ 1,436,877 $ 1,436,877 Accrued interest receivable $ 7,546 $ - $ 1,183 $ 6,363 $ 7,546 Financial Liabilities: Demand Deposits $ $629,776 $ $629,776 $ - $ - $ 629,776 Money market and savings accounts $ 915,853 $ 915,853 $ - $ - $ 915,853 Interest-bearing checking accounts $ 66,675 $ 66,675 $ - $ - $ 66,675 Time deposits $ 216,977 $ - $ - $ 211,406 $ 211,406 FHLB advances $ 46,000 $ - $ 44,547 $ - $ 44,547 Accrued interest payable $ 229 $ - $ 92 $ 137 $ 229 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

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Investment securities held to maturity, fair value	$ 169,088	$ 120,157
Loans held for investment, allowance	$ 17,487	$ 15,057
Preferred stock, share outstanding	0
Common stock, par value	$ 1.00
Preferred Stock Class C [Member]
Preferred stock, par value	1.00	$ 1
Preferred stock, per share liquidation preference	$ 1,000	$ 1,000
Preferred stock, shares authorized	52,748	52,748
Preferred stock, shares issued	0	0
Preferred stock, share outstanding	0	0
Preferred Stock Class D [Member]
Preferred stock, par value	$ 1.00	$ 1
Preferred stock, per share liquidation preference	$ 5.00	$ 5
Preferred stock, shares authorized	12,309,480	12,309,480
Preferred stock, shares issued	0	0
Preferred stock, share outstanding	0	0
Preferred Stock Class E [Member]
Preferred stock, par value	$ 1.00	$ 1
Preferred stock, per share liquidation preference	$ 1,000	$ 1,000
Preferred stock, shares authorized	3,185,024	3,185,024
Preferred stock, shares issued	0	0
Preferred stock, share outstanding	0	0
Common Class A [Member]
Common stock, par value	$ 1.00	$ 1
Common stock, shares authorized	45,000,000	45,000,000
Common stock, shares issued	20,000,753	19,991,753
Common stock, shares outstanding	20,000,753	19,991,753
Common Class B [Member]
Common stock, par value	$ 1.00	$ 1
Common stock, shares authorized	8,000,000	8,000,000
Common stock, shares issued	0	0
Common stock, shares outstanding	0	0

Related Party Transactions (Narrative) (Details) - Purchase Of Loan [Member] $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Related Party Transaction [Line Items]
Related party transaction amounts	$ 42,800
Related party transaction fee amount	$ 881

Investment Securities (Available-for-Sale Securities, Continuous Unrealized Loss Position, Fair Value) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	$ 77,864	$ 311,459
Less than 12 months, Unrealized Losses	(5,402)	(5,381)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	315,942	110,794
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	74,208	4,095
Debt Securities Available For Sale Unrealized Loss Position	393,806	422,253
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	79,610	9,476
U.S. Government Agency [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	11,407	25,951
Less than 12 months, Unrealized Losses	(1,093)	(254)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	36,310	15,477
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	7,616	516
Debt Securities Available For Sale Unrealized Loss Position	47,717	41,428
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	8,709	770
U.S. Treasury [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	9,828
Less than 12 months, Unrealized Losses	(13)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss
Debt Securities Available For Sale Unrealized Loss Position	9,828
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	13
Collateralized Mortgage Obligations [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	16,500	155,668
Less than 12 months, Unrealized Losses	(963)	(3,223)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	139,965	38,459
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	34,962	1,497
Debt Securities Available For Sale Unrealized Loss Position	156,465	194,127
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	35,925	4,720
Mortgage-Backed Securities - Residential [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	5,059	88,772
Less than 12 months, Unrealized Losses	(564)	(1,178)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	91,742	37,373
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	19,348	1,274
Debt Securities Available For Sale Unrealized Loss Position	96,801	126,145
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	19,912	2,452
Mortgage-Backed Securities - Commercial [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	10,052	25,289
Less than 12 months, Unrealized Losses	(1,173)	(318)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	26,823	7,507
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	5,300	309
Debt Securities Available For Sale Unrealized Loss Position	36,875	32,796
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	6,473	627
Municipal Securities [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value		11,292
Less than 12 months, Unrealized Losses		(395)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	18,483	11,978
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	6,601	499
Debt Securities Available For Sale Unrealized Loss Position	18,483	23,270
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	6,601	894
Bank Subordinated Debt Securities [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	11,295	4,487
Less than 12 months, Unrealized Losses	(670)	(13)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer	2,619
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss	381
Debt Securities Available For Sale Unrealized Loss Position	13,914	4,487
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	1,051	$ 13
Corporate Bond Securities [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Less than 12 months, Fair Value	13,723
Less than 12 months, Unrealized Losses	(926)
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer
Debt Securities Available For Sale Continuous Unrealized Loss Position 12 Months Or Longer Accumulated Loss
Debt Securities Available For Sale Unrealized Loss Position	13,723
Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss	$ 926

Borrowings (Tables)	12 Months Ended
Borrowings (Tables)	Dec. 31, 2022
Borrowings [Abstract]
Schedule Of Fixed Interest Rates And Expected Maturities	At December 31, 2022 Interest Rate Type of Rate Maturity Date Amount 2.05 % Fixed March 27, 2025 $ 10,000 1.07 % Fixed July 18, 2025 6,000 1.04 % Fixed July 30, 2024 5,000 0.81 % Fixed August 17, 2023 5,000 4.17 % Fixed January 13, 2023 20,000 $ 46,000 At December 31, 2021 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

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

+ References

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-URI https://asc.fasb.org/extlink&oid=114775985&loc=d3e28878-108400

Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-URI https://asc.fasb.org/extlink&oid=126973232&loc=d3e21475-112644

+ Details

Subsequent Events	12 Months Ended
Subsequent Events	Dec. 31, 2022
Subsequent Events [Abstract]
Subsequent Events	19. SUBSEQUENT EVENTS Management has evaluated subsequent events from January 1, 2023 through March 24, 2023, which is the date this Annual Report Form 10-K was available to be issued. Share Repurchase Program In February 2023 the Company repurchased 250,000 shares of USCB Financial Holdings Inc. Class A common stock at a price of $ 12.04 . Additionally, the Company repurchased 250,000 shares of USCB Financial Holdings Inc Class A Common stock at a price of $ 11.39 in March 2023. These repurchases were made thru the open market pursuant to the Company’s publicly announced repurchase program.

Income Taxes (Provision for Income Taxes) (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Deferred tax assets:
Net operating loss	$ 21,720,000	$ 28,819,000
Allowance for credit losses	4,432,000	3,816,000
Lease liability	3,648,000	3,595,000
Unrealized loss on available for sale securities	15,193,000	817,000
Deferred loan fees		400,000
Depreciable property	158,000	361,000
Stock option compensation	373,000	241,000
Accruals	723,000	600,000
Other, net		2,000
Deferred tax asset	46,247,000	38,651,000
Deferred tax liabilities:
Deferred loan costs	(28,000)
Lease right of use asset	(3,648,000)	(3,595,000)
Deferred expenses	(175,000)	(127,000)
Other, net	(36,000)
Deferred tax liability	(3,887,000)	(3,722,000)
Net deferred tax asset	$ 42,360,000	$ 34,929,000

Leases (Future Lease Payment Obligations And Reconciliation To Lease Liability II) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Total future minimum lease payments	$ 16,518
Less: interest component	(2,123)
Lease liability	$ 14,395	$ 14,185

Leases (Future Lease Payment Obligations And Reconciliation To Lease Liability) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Leases [Abstract]
2023	$ 3,158
2024	3,236
2025	3,312
2026	2,383
2027	951
Thereafter	3,478
Total future minimum lease payments	$ 16,518

Regulatory Matters (Narrative) (Details)	Dec. 31, 2022 $ / 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	$ 1.00
Subsidiaries [Member]
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Common stock, par value	$ 1.00	$ 1.00

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]
Balance at Dec. 31, 2020	$ 171,001	$ 32,077	$ 10,010	$ 177,755	$ (53,622)	$ 4,781
Balance, shares at Dec. 31, 2020		12,350,879	10,010,521
Net income	21,077				21,077
Other comprehensive loss	(7,297)					(7,297)
Dividends - preferred stock	(2,077)				(2,077)
Issuance of common stock - exercised options			$ 4,600
Issuance of common stock - exercised options, shares			4,600,000
Issuance of Class A common stock, net of offering costs of $6,048	39,826			35,226
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 Dec. 31, 2021	203,897		$ 19,992	310,666	(124,245)	(2,516)
Balance, shares at Dec. 31, 2021		0	19,991,753
Net income	20,141				20,141
Other comprehensive loss	(42,235)					(42,235)
Issuance of common stock - exercised options	$ 102		$ 9	93
Issuance of common stock - exercised options, shares	9,000		9,000
Stock based compensation	$ 523			523
Balance at Dec. 31, 2022	$ 182,428		$ 20,001	$ 311,282	$ (104,104)	$ (44,751)
Balance, shares at Dec. 31, 2022		0	20,000,753

Loans (Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
Loans (Impaired Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable Impaired [Line Items]
Impaired Loans with No Specific Allowance Recorded: Unpaid Principal Balance	$ 3,944	$ 5,717
Impaired Loans with Specific Allowance Recorded: Unpaid Principal Balance	3,933	4,350
Unpaid Principal Balance	7,877	10,067
Impaired Loans with Specific Allowance Recorded: Net Investment Balance	3,904	4,315
Impaired Loans with No Specific Allowance Recorded: Net Investment Balance	3,937	5,730
Net Investment Income	7,841	10,045
Valuation Allowance	294	360
Average Recorded Investment	8,520	9,937
Residential Real Estate [Member]
Financing Receivable Impaired [Line Items]
Impaired Loans with No Specific Allowance Recorded: Unpaid Principal Balance	3,551	5,021
Impaired Loans with Specific Allowance Recorded: Unpaid Principal Balance	3,655	3,985
Impaired Loans with Specific Allowance Recorded: Net Investment Balance	3,626	3,950
Impaired Loans with No Specific Allowance Recorded: Net Investment Balance	3,544	5,035
Valuation Allowance	155	178
Average Recorded Investment	7,626	8,791
Commercial Real Estate [Member]
Financing Receivable Impaired [Line Items]
Impaired Loans with No Specific Allowance Recorded: Unpaid Principal Balance	393	696
Impaired Loans with No Specific Allowance Recorded: Net Investment Balance	393	695
Average Recorded Investment	575	714
Commercial and Industrial [Member]
Financing Receivable Impaired [Line Items]
Impaired Loans with Specific Allowance Recorded: Unpaid Principal Balance	82	141
Impaired Loans with Specific Allowance Recorded: Net Investment Balance	82	141
Valuation Allowance	41	71
Average Recorded Investment	109	178
Consumer and Other [Member]
Financing Receivable Impaired [Line Items]
Impaired Loans with Specific Allowance Recorded: Unpaid Principal Balance	196	224
Impaired Loans with Specific Allowance Recorded: Net Investment Balance	196	224
Valuation Allowance	98	111
Average Recorded Investment	$ 210	$ 254

Summary of Significant Accounting Policies (Narrative) (Details) $ / shares in Units, $ in Thousands	1 Months Ended		12 Months Ended
	Dec. 31, 2021 USD ($) $ / shares shares	Jul. 31, 2020 shares	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($) Item $ / shares shares	Dec. 31, 2021 USD ($) $ / shares shares	Dec. 31, 2015 shares	Dec. 28, 2021 $ / shares	Jun. 16, 2021 $ / shares	Dec. 31, 2020 USD ($)
Significant Accounting Policies Disclosure [Line Items]
Loans outstanding	$ 1,190,081			$ 1,507,338	$ 1,190,081
Loans pledged as collateral	1,191,659			1,507,228	1,191,659
Deposits with right of offset	28,900			31,400	28,900
Federal Home Loan Bank stock, at cost	2,100			2,882	2,100
Bank owned life insurance	41,720			$ 42,781	41,720
Common stock, par value \| $ / shares				$ 1.00
Preferred Stock Shares Outstanding \| shares				0
Allowance for credit losses	15,057			$ 17,487	15,057				$ 15,086
Reserve on unfunded commitments	$ 141,297			$ 99,781	$ 141,297
Mortgage-Backed Securities - Commercial [Member] \| Asset Pledged As Collateral Without Right [Member]
Significant Accounting Policies Disclosure [Line Items]
Number of loans pledged as collateral \| Item				1
Loans pledged as collateral				$ 20,000
Scenario Forecast [Member] \| Unfunded Commitments [Member]
Significant Accounting Policies Disclosure [Line Items]
Allowance for credit losses			$ 2,000
Increase in allowance for credit losses			1,000
Increase in reserve on unfunded commitments			200
Reserve on unfunded commitments			$ 600
Common Class A [Member]
Significant Accounting Policies Disclosure [Line Items]
Common stock, stock split conversion ratio					0.2
Common stock, par value \| $ / shares	$ 1			$ 1.00	$ 1			$ 1.00
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				1,000,000	2,000,000
Subsidiaries [Member]
Significant Accounting Policies Disclosure [Line Items]
Common stock, par value \| $ / shares				$ 1.00			$ 1.00
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			$ 197,900	$ 156,400
Concentration risk percentage				13.10%
Loans Outstanding [Member] \| Customer Concentration Risk [Member] \| Ecuador, Honduras, Panama, and El Salvador [Member]
Significant Accounting Policies Disclosure [Line Items]
Loans outstanding	$ 47,900			$ 88,800	$ 47,900

Parent Company Condensed Financial Information (Schedule Of Cash Flow) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Cash flows from operating activities:
Net income	$ 20,141	$ 21,077
Net cash provided by operating activities	29,537	22,051
Cash flows from investing activities:
Net Cash Provided By Used In Investing Activities	(270,601)	(359,363)
Cash flows from financing activities:
Dividends paid		(2,077)
Net cash provided by financing activities	249,004	335,806
Net increase (decrease) in cash and cash equivalents	7,940	(1,506)
Cash and cash equivalents at beginning of year	46,228	47,734
Cash and cash equivalents at end of year	54,168	46,228
Parent Company [Member]
Cash flows from operating activities:
Net income	20,141
Equity in undistributed earnings of subsidiaries	(19,141)
Other
Net cash provided by operating activities	1,000
Cash flows from investing activities:
Capital contributions to subsidiary
Other
Net Cash Provided By Used In Investing Activities
Cash flows from financing activities:
Dividends paid
Proceeds from exercise of stock options	102
Repurchase of common stock
Net cash provided by financing activities	102
Net increase (decrease) in cash and cash equivalents	1,102
Cash and cash equivalents at beginning of year
Cash and cash equivalents at end of year	$ 1,102

Derivatives	12 Months Ended
Derivatives	Dec. 31, 2022
Derivatives [Abstract]
Derivatives	11. DERIVATIVES The Company utilizes interest rate swap agreements as part of its asset liability management strategy to help manage its interest rate risk position. The notional amount of the interest rate swaps do not represent amounts exchanged by the parties. The amounts exchanged are determined by reference to the notional amount and the other terms of the individual interest rate swap agreements. The Company enters into interest rate swaps with its loan customers. The Company had 15 and 18 interest rate swaps with loan customers with a notional amount of $ 33.9 million and $ 39.2 million at December 31, 2022 and 2021, respectively. These interest rate swaps have a maturity date between 2025 and 2051. The Company entered into corresponding and offsetting derivatives with third parties. The fair value of liability on these derivatives requires the Company to provide the counterparty with funds to be held as collateral which the Company reports as other assets under the Consolidated Balance Sheets. While these derivatives represent economic hedges, it does not qualify as hedges for accounting purposes. The following table reflects the Company’s customer related interest rate swaps for the dates indicated (in thousands): Fair Value Notional Amount Collateral Amount Balance Sheet Location Asset Liability December 31, 2022: Derivatives not designated as hedging instruments: Interest rate swaps related to customer loans $ 33,893 $ 1,278 Other assets/Other liabilities $ 5,011 $ 5,011 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

Off-Balance Sheet Arrangements (Tables)	12 Months Ended
Off-Balance Sheet Arrangements (Tables)	Dec. 31, 2022
Off-Balance Sheet Arrangements [Abstract]
Schedule of Financials Instruments with Off-Balance Sheet Risk	2022 2021 Commitments to grant loans and unfunded lines of credit $ 95,461 $ 134,877 Standby and commercial letters of credit 4,320 6,420 Total $ 99,781 $ 141,297

Loans (Aging Analysis of Accruing and Total Non-Accruing Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	$ 1,507,228	$ 1,190,469
Non-Accrual		1,190
Balances, end of period	1,507,228	1,191,659
Residential Real Estate [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	185,636	200,169
Non-Accrual		1,190
Balances, end of period	185,636	201,359
Residential Real Estate [Member] \| HELOC and Other [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	623	701
Balances, end of period	623	701
Residential Real Estate [Member] \| 1-4 Family Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	132,178	134,231
Non-Accrual		1,190
Balances, end of period	132,178	135,421
Residential Real Estate [Member] \| Condo Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	52,835	65,237
Balances, end of period	52,835	65,237
Commercial Real Estate [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	970,410	704,988
Balances, end of period	970,410	704,988
Commercial Real Estate [Member] \| Land and Construction [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	38,687	24,581
Balances, end of period	38,687	24,581
Commercial Real Estate [Member] \| Multifamily Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	176,820	127,489
Balances, end of period	176,820	127,489
Commercial Real Estate [Member] \| Condo Commercial [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	49,994	42,400
Balances, end of period	49,994	42,400
Commercial Real Estate [Member] \| Commercial Property [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	704,909	510,411
Balances, end of period	704,909	510,411
Commercial Real Estate [Member] \| Leasehold Improvements [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing		107
Balances, end of period		107
Commercial and Industrial [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	126,984	146,592
Balances, end of period	126,984	146,592
Commercial and Industrial [Member] \| Secured [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	121,680	98,141
Balances, end of period	121,680	98,141
Commercial and Industrial [Member] \| Unsecured [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	5,304	48,451
Balances, end of period	5,304	48,451
Foreign Banks [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	93,769	59,491
Balances, end of period	93,769	59,491
Consumer and Other [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total Accruing	130,429	79,229
Balances, end of period	130,429	79,229
Current [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	1,502,357	1,188,080
Current [Member] \| Residential Real Estate [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	182,053	198,886
Current [Member] \| Residential Real Estate [Member] \| HELOC and Other [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	623	701
Current [Member] \| Residential Real Estate [Member] \| 1-4 Family Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	131,120	133,942
Current [Member] \| Residential Real Estate [Member] \| Condo Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	50,310	64,243
Current [Member] \| Commercial Real Estate [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	970,385	704,552
Current [Member] \| Commercial Real Estate [Member] \| Land and Construction [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	38,687	24,581
Current [Member] \| Commercial Real Estate [Member] \| Multifamily Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	176,820	127,053
Current [Member] \| Commercial Real Estate [Member] \| Condo Commercial [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	49,994	42,400
Current [Member] \| Commercial Real Estate [Member] \| Commercial Property [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	704,884	510,411
Current [Member] \| Commercial Real Estate [Member] \| Leasehold Improvements [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing		107
Current [Member] \| Commercial and Industrial [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	125,981	146,182
Current [Member] \| Commercial and Industrial [Member] \| Secured [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	121,649	98,141
Current [Member] \| Commercial and Industrial [Member] \| Unsecured [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	4,332	48,041
Current [Member] \| Foreign Banks [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	93,769	59,491
Current [Member] \| Consumer and Other [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	130,169	78,969
Past Due 30-89 Days [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	4,871	2,389
Past Due 30-89 Days [Member] \| Residential Real Estate [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	3,583	1,283
Past Due 30-89 Days [Member] \| Residential Real Estate [Member] \| 1-4 Family Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	1,058	289
Past Due 30-89 Days [Member] \| Residential Real Estate [Member] \| Condo Residential [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	2,525	994
Past Due 30-89 Days [Member] \| Commercial Real Estate [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	25	436
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] \| Commercial Property [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	25
Past Due 30-89 Days [Member] \| Commercial and Industrial [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	1,003	410
Past Due 30-89 Days [Member] \| Commercial and Industrial [Member] \| Secured [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	31
Past Due 30-89 Days [Member] \| Commercial and Industrial [Member] \| Unsecured [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	972	410
Past Due 30-89 Days [Member] \| Consumer and Other [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Accruing	$ 260	$ 260

Earnings Per Share (Narrative) (Details) - shares	Dec. 31, 2022	Dec. 31, 2021
Common Class A [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Common stock, shares issued	20,000,753	19,991,753
Common stock, shares outstanding	20,000,753	19,991,753
Common Class B [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Common stock, shares issued	0	0
Common stock, shares outstanding	0	0

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, 2022	Dec. 31, 2021
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans fair value	$ 3,639	$ 3,990
Level 3 [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans fair value	3,639	3,990
Level 3 [Member] \| Residential Real Estate [Member] \| Sales Comparison Approach [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans fair value	3,500	3,807
Level 3 [Member] \| Commercial And Industrial [Member] \| Discounted Cash Flow [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans fair value	41	70
Level 3 [Member] \| Other [Member] \| Discounted Cash Flow [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans fair value	$ 98	$ 113

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) $ in Thousands	12 Months Ended
	Dec. 31, 2021 USD ($)
Issuance of Class A common stock, offering costs	$ 6,048

Related Party Transactions (Schedule Of Loans To And Deposits From Related Parties) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Related Party Transactions [Abstract]
Loans held for investment, net
Deposits	6,825	1,905
Interest income
Interest expense	$ 54	$ 16

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Interest income:
Loans, including fees	$ 60,825	$ 48,730
Investment securities	9,346	7,886
Interest-bearing deposits in financial institutions	929	106
Total interest income	71,100	56,722
Interest expense:
Interest-bearing deposits	86	59
Savings and money markets accounts	5,173	2,082
Time deposits	1,509	1,531
Federal Home Loan Bank advances	671	554
Total interest expense	7,439	4,226
Net interest income before provision for credit losses	63,661	52,496
Provision for credit losses	2,495	(160)
Net interest income after provision for credit losses	61,166	52,656
Non-interest income:
Service fees	4,010	3,609
Bank Owned life insurance income	1,061	759
Gain (loss) on sale of securities available for sale, net	(2,529)	214
Gain on sale of loans held for sale, net	891	1,626
Gain on sale of premises and equipment, net		983
Loan settlement	161	2,500
Other non-interest income	1,634	1,007
Total non-interest income	5,228	10,698
Non-interest expense:
Salaries and employee benefits	23,943	21,438
Occupancy	5,058	5,257
Regulatory assessment and fees	930	783
Consulting and legal fees	1,890	1,454
Network and information technology services	1,806	1,466
Audit and tax services fees	918	975
Other operating	4,764	4,304
Total non -interest expense	39,309	35,677
Net income before income tax expense	27,085	27,677
Income tax expense	6,944	6,600
Net income	20,141	21,077
Less: Preferred stock dividends		2,077
Less: Exchange and redemption of preferred shares		89,585
Net income (loss) available to common stockholders	20,141	(70,585)
Common Class A [Member]
Non-interest expense:
Net income (loss) available to common stockholders	$ 20,141	$ (70,585)
Per share information:
Net income (loss) per share, basic	$ 1.01	$ (6.72)
Net income (loss) per share, diluted	$ 1.00	$ (6.72)

Summary of Significant Accounting Policies	12 Months Ended
Summary of Significant Accounting Policies	Dec. 31, 2022
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Overview USCB Financial Holdings, Inc., a Florida corporation incorporated in 2021, is a bank holding company with one wholly owned subsidiary, U.S. Century Bank (the “Bank”), together referred to as “the Company”. The Bank, established in 2002, is a Florida state-chartered, non-member financial institution providing financial services through its banking centers located in South Florida. In December 2021, USCB Financial Holdings, Inc. acquired all issued and outstanding shares of the Class A common stock of the Bank. Each of the outstanding shares of the Bank’s common stock, par value $ 1.00 per share, formerly held by its shareholders were converted into and exchanged for one newly issued share of the Company’s common stock, par value $ 1.00 per share. The Bank owns a subsidiary, Florida Peninsula Title LLC, that offers our clients title insurance policies for real estate transactions closed at the Bank. Licensed in the State of Florida and approved by the Department of Insurance Regulation, Florida Peninsula tittle LLC began operations in 2021. Principles of Consolidation Intercompany transactions and balances are eliminated in consolidation. The Consolidated financial statements have been prepared in accordance with U.S. Generally Accepted Accounting Principles ("GAAP"). Initial Public Offering and Exchange and Redemption of Shares On July 27, 2021, the Company completed an initial public offering (the “IPO”) and its Class A voting common shares began trading on the Nasdaq Stock Market under ticker symbol “USCB”. Following the IPO, the Company completed an exchange of then outstanding preferred shares for Class A common shares and thereafter redeemed the remaining outstanding preferred shares. In December 2021, the Company reached agreements with the Class B common shareholders to receive Class A voting common stock in exchange for all outstanding Class B non-voting common stock in a 1 for 5 stock exchange. As of December 31, 2022, there were no issued and outstanding preferred shares or Class B common shares. See Note 13 “Stockholders’ Equity” for further information about the IPO and the exchange and redemption of shares. Risk and Uncertainties Current Banking Environment Industry events transpiring prior to the Company’s filing date, including bank failures, have led to uncertainty and concerns regarding the liquidity positions of the banking sector. These failures underscore the importance of maintaining access to diverse sources of funding. The Company’s deposit base includes a combination of consumer, commercial, and public funds deposits. The Company’s largest depositors include a mixture of government-related organizations and commercial clients without a high level of industry concentration. In response to these events, the Treasury Department, Federal Reserve, and FDIC jointly announced the Bank Term Funding Program (BTFP) on March 12, 2023. This program aims to enhance liquidity by allowing institutions to pledge certain securities at the par value of the securities, and at a borrowing rate of ten basis points over the one-year overnight index swap rate. The BTFP is available to eligible U.S. federally insured depository institutions, with advances having a term of up to one year and no prepayment penalties. As of the date of the release of the Audited Consolidated Financial Statements, the Company has not accessed the BTFP. Market conditions and external factors may unpredictably impact the competitive landscape for deposits in the banking industry. Additionally, the rising interest rate environment has increased competition for liquidity and the premium at which liquidity is available to meet funding needs. The Company believes its sources of liquidity are sufficient to meet its needs on the balance sheet date. An unexpected influx of withdrawals of deposits could adversely impact the Company's ability to rely on organic deposits to primarily fund its operations, potentially requiring greater reliance on secondary sources of liquidity to meet withdrawal demands or to fund continuing operations. These sources may include proceeds from FHLB advances, sales of investment securities and loans, federal funds lines of credit from correspondent banks, and out-of-market time deposits. Such reliance on secondary funding sources could increase the Company's overall cost of funding and thereby reduce net income. While the Company believes its current sources of liquidity are adequate to fund operations, there is no guarantee they will suffice to meet future liquidity demands. This may necessitate slowing or discontinuing loan growth, capital expenditures, or other investments, or liquidating assets. For further discussion of the Company's liquidity practices, see page 59 and 62 of this Annual Report on Form 10-K. Use of Estimates In preparing the consolidated financial statements, management is required to make estimates and assumptions based on available information that affect the amounts reported in the financial statements and the disclosures provided. The coronavirus (“COVID-19”) pandemic has negatively affected many of the Company’s clients and could still impair their ability to fulfill their financial obligations. The Company’s business is dependent upon the willingness and ability of its associates and customers to conduct banking and other financial transactions. While we believe conditions have improved as of December 31, 2022, if there is a resurgence in the virus, the Company could experience further adverse effects on its business, financial condition, results of operations and cash flows. While it is not possible to know the full extent of the impact the COVID-19 pandemic will have on the Company's future operations, the Company continues to communicate with its associates and customers to understand their challenges, which allows us to respond to their needs and issues as they arise. While there was not a material impact to the Company’s Consolidated Financial Statements as of and for the year ended December 31, 2022, future increases in the allowance for credit losses (“ACL”) may be required because of the potential economic downturn that a resurgence in the virus may cause and those ACL increases can be material. It is difficult to quantify the impact that COVID-19 will have on the estimates and assumptions used to prepare the financial statements. Actual results could differ from those estimates. Cash and Cash Equivalents The Company considers investments with a maturity of 90 days or less from its original purchase date to be cash equivalents. For the Consolidated Statements of Cash Flows, cash and cash equivalents include cash on hand, amounts due from banks, and interest-bearing deposits in banks. Restricted Cash The Company may be required to maintain funds at other banks to satisfy a loan participation agreement. The Company reports restricted cash within cash and cash equivalents. Interest-Bearing Deposits in Other Financial Institutions Interest-bearing deposits in other financial institutions consist of Federal Reserve Bank, Federal Home Loan Bank and other accounts. Investment Securities Debt securities are recorded at fair value except for those securities which the Company has the positive intent and ability to hold to maturity. Management determines the appropriate classification of its securities at the time of purchase and accounts for them on a trade date basis. Debt securities that management has the positive intent and ability to hold to maturity are classified as "held-to-maturity" and recorded at amortized cost. Trading securities are recorded at fair value with changes in fair value included in earnings. Securities not classified as held-to-maturity or trading are classified as "available-for-sale" and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income (loss). Equity investments must be recorded at fair value with changes in fair value included in earnings. Purchase premiums and discounts are amortized or accreted over the estimated life of the related available-for-sale or held-to-maturity security as an adjustment to yield using the effective interest method. Prepayments of principal are considered in determining the estimated life of the security. Such amortization and accretion are included in interest income in the Consolidated Statements of Operations. Dividend and interest income are recognized when earned. Gains and losses on the sale of securities are recorded on trade date and are determined on a specific identification basis. Declines in the fair value of available-for-sale debt securities below their cost that are deemed to be other-than- temporary are reflected in earnings as realized losses. In determining whether other-than-temporary impairment exists, management considers several factors in their analysis including (i) severity and duration of the impairment, (ii) credit rating 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 security before recovery, (iv) whether there have been any payment defaults and (v) underlying guarantor of the securities. Federal Home Loan Bank (FHLB) Stock The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted asset, and periodically evaluated for impairment based on ultimate recovery of par value. As of December 31, 2022 and 2021, FHLB stock amounted to $ 2.9 million and $ 2.1 million, respectively, with no impairment deemed necessary. Both cash and stock dividends are reported as interest income. Loans Held for Investment and Allowance for Credit Losses Loans held for investment (“loans”) are reported at their outstanding principal balance net of charge-offs, deferred loan fees, unearned income and the ACL. Interest income is generally recognized when income is earned using the interest method. Loan origination and commitment fees and the costs associated with the origination of loans are deferred and amortized, using the interest method or the straight-line method, over the life of the related loan. If the principal or interest on a commercial loan becomes due and unpaid for 90 days or more, the loan is placed on non-accrual status as of the date it becomes 90 days past due and remains in non -accrual status until it meets the criteria for restoration to accrual status. Residential loans, on the other hand, are placed on non-accrual status when the principal or interest becomes due and unpaid for 120 days or more and remains in non-accrual status until it meets the criteria for restoration to accrual status. Restoring a loan to accrual status is possible when the borrower resumes payment of all principal and interest payments for a period of six months and the Company has a documented expectation of repayment of the remaining contractual principal and interest or the loan becomes secured and in the process of collection. All interest accrued but not collected for loans that are placed on nonaccrual status is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, under which cash collections are applied to unpaid principal, which may change as conditions dictate. The Company has determined that the entire balance of a loan is contractually delinquent for all classes if the minimum payment is not received by the specified due date on the borrower's statement. Interest and fees continue to accrue on past due loans until the date the loan goes into nonaccrual status. The Company provides for loan losses through a provision for credit losses charged to operations. When management believes that a loan or a portion of the loan balance is uncollectible, that amount is charged against the ACL. Subsequent recoveries, if any, are credited to the ACL. The ACL reflects management's judgment of probable loan losses inherent in the portfolio at the balance sheet date. Management uses a disciplined process and methodology to establish the ACL each quarter. To determine the total ACL, the Company estimates the reserves needed for each segment of the portfolio, including loans analyzed individually and loans analyzed on a pooled basis. The ACL consists of the amount applicable to the following segments: • Residential real estate • Commercial real estate • Commercial and industrial • Foreign banks • Other loans (secured and unsecured consumer loans) Residential real estate loans are underwritten following the policies of the Company which includes a review of the borrower’s credit, capacity and the collateral securing the loan. The borrower’s ability to repay involves an analysis of factors including: current income, employment status, monthly payment of loan, current debt obligations, monthly debt to income ratio and credit history. The Company relies on appraisals in determining the value of the property. Risk is mitigated by this analysis and the diversity of the residential portfolio. Commercial real estate loans are secured by liens on commercial properties, land, construction and multifamily housing. Underwriting of commercial loans will analyze the key market and business factors to arrive at a decision on the credit worthiness of the borrower. The analysis may include the capacity of the borrower, income generated by property for debt service, other sources of repayment, sensitivity analysis to fluctuations in market conditions including vacancy and rental rates in geographic location and loan to value. Land and construction analysis will include the time to develop, sell or lease the property. Appraisals are used to determine the value of the underlying collateral. Risk is mitigated as the properties securing the commercial real estate loans are diverse in type, location, and loan structure. Commercial and industrial loans are secured by the business assets of the company and may include equipment, inventory, and receivables. The loans are underwritten based on the income capacity of the business, the ability to service the debt based on operating cash flows, the credit worthiness of the borrower, other sources of repayment and collateral. The Company mitigates the risk in the commercial portfolio through industry diversification. Foreign Banks loans are short term loans with international correspondent banking institutions primarily domiciled in Latin America. Most of these loans are for trade capital and have a life of less than one year. The Company’s credit review includes a credit analysis, peer comparison and current country risk overview. Annual re-evaluation of the risk rating of the borrower and country and a review of authorized signer within the Company. The risk is mitigated as these loans are short term, have limited exposure, and are geographically dispersed. Other loans are secured and unsecured consumer loans including personal loans, overdrafts and deposit account collateralized loans. Repayment of these loans are primarily from the personal income of the borrowers. Loans are underwritten based on the credit worthiness of the borrower. The risk on these loans is mitigated by small loan balances. In determining the balance of the ACL, loans are pooled by product segments with similar risk characteristics and management evaluates the ACL on each segment and as a whole to maintain the allowance at an adequate level based on factors which, in management's judgment, deserve current recognition in estimating credit losses. Such factors include changes in prevailing economic conditions, historical loss experience, delinquency trends, changes in the composition and size of the loan portfolio and the overall credit worthiness of the borrowers. The ACL consists of general and specific components. The following is how management determines the balance of the general component for the ACL account for each segment of the loans as described above. The loan segments are primarily grouped by collateral type with similar risk characteristics and a historical loss rate is determined based on a ten year look back period. The Company applies time weights to consider various stages of a credit cycle. The ACL calculation is based on the Company’s own net loss experience adjusted for certain qualitative and environmental factors. To estimate the impact of non-recurrent losses, management has developed a statistical study that tracks historical non-recurring losses at a loan level. This analysis is used to estimate an adjusted loss rate for each loan pool. Management believes the effect of these losses results in a loss rate that is more consistent with the behavior of the loan portfolio in the normal course of business. Qualitative factors are applied to historical loss rates based on management's experience and assessment. The following are the factors used to adjust the historical loss rates: • Loan quality review • Lending and credit management /staff expertise and practices • Economic and business conditions • Lending and credit underwriting policies and procedures • Problem loan levels and trends • Collateral concentrations • Large obligor concentration • New loan volumes • Combined loan to value (“CLTV”) qualitative adjustment for substandard accrual loan segment Changes in these factors could result in material adjustments to the ACL. The losses the Company may ultimately incur could differ materially from the amounts estimated in arriving at the ACL. In addition to the ACL, the Company also estimates probable losses related to financial instruments with off-balance sheet risk, such as letters of credit and unfunded loan commitments, and records these estimates in other liabilities on the Consolidated Balance Sheets with the offset recorded in non-interest expense on the Consolidated Statements of Operations. Financial instruments with off-balance sheet risk are subject to review on an aggregate basis. Past loss experience and any other pertinent information is reviewed, resulting in the estimation of the reserve for financial instruments with off-balance sheet risk. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement or when the loan is designated as a Troubled Debt Restructuring (“TDR”). Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Impairment is measured on a loan by loan basis by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable fair value, or the fair value of the collateral, if the loan is collateral dependent. If management determines that the value of the impaired loan is less than the recorded 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 estimate or a charge-off to the ACL. In situations where, due to a borrower's financial difficulties, management grants a concession for other than an insignificant period of time to the borrower that would not otherwise be granted, the loan is classified as a TDR. On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) was signed by the President of the United States. The CARES Act has certain provisions which encourage financial institutions to prudently work with borrowers impacted by COVID -19. Under these provisions, modifications deemed to be COVID -19 related would not be considered a TDR if the loan was not more than 30 days past due as of December 31, 2019. The deferral would need to be executed March 1, 2020 and the earlier of 60 days after the date of termination of the COVID-19 national emergency or December 31, 2020. Additional legislation was passed in December of 2020 that extended the TDR relief to January 1, 2022. Banking regulators issued similar guidance clarifying that a COVID-19 related modification should not be considered a TDR if the borrower was current on payments at the time the underlying loan modification program was implemented and considered short-term. See Note 3 “Loans” for additional disclosures of loans that were modified and not considered TDR. In addition to the allowance for the pooled portfolios, management has developed a separate allowance for loans that are identified as impaired through a TDR. These loans are excluded from the general component of the ACL, and a separate reserve is provided under the accounting guidance for loan impairment. Residential loans whose terms have been modified in a TDR are also individually analyzed for estimated impairment. The Company's charge-off policy is to review all impaired loans on a quarterly basis in order to monitor the Company's ability to collect them in full at maturity date and/or in accordance with terms of any restructurings. For loans which are collateral dependent, or deemed to be uncollectible, any shortfall in the fair value of the collateral relative to the recorded investment in the loan is charged off. Concentration of Credit Risks Credit risk represents the accounting loss that would be recognized at the reporting date if counterparties failed to perform as contracted and any collateral or security proved to be insufficient to cover the loss. Concentrations of credit risk (whether on or off-balance sheet) arising from financial instruments exist in relation to certain groups of customers. A group concentration arises when a number of counterparties have similar economic characteristics that would cause their ability 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 or counterparty. Most of the Company's business activity is with customers located within its primary market area, which is generally the 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 loan customers are engaged in real estate development. Circumstances, which negatively impact the South Florida real estate industry or the South Florida economy, in general, could adversely impact the Company's loan portfolio. At December 31, 2022 and 2021, the Company had a concentration of risk with loans outstanding to the Company’s top ten lending relationships totaling $ 197.9 million and $ 156.4 million, respectively. At December 31, 2022 and 2021, this concentration represented 13.1 %, of the net loans outstanding. For the period ended December 31, 2022 there was one commercial real estate loan note with an outstanding balance of $ 20 million collateralized by a 1 st lien commercial property located in New York State. At December 31, 2022, the Company also had a concentration of risk with loans outstanding totaling $ 88.8 million to foreign banks located in Ecuador, Dominican Republic, Honduras, and El Salvador. At December 31, 2021, the Company also had a concentration of risk with loans outstanding totaling $ 47.9 million to foreign banks located in Ecuador, Honduras, and El Salvador. These banks maintained deposits with right of offset totaling $ 31.4 million and $ 28.9 million at December 31, 2022 and 2021, respectively. At various times during the year, the Company has maintained deposits with other financial institutions. The exposure to the Company from these transactions is solely dependent upon daily balances and the financial strength of the respective institution. Premises and Equipment, net Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed on the straight-line method over the estimated useful life of the asset. Leasehold improvements are amortized over the remaining term of the applicable leases or their useful lives, whichever is shorter. Estimated useful lives of these assets were as follows: Building 40 years Furniture, fixtures and equipment 3 to 25 years Computer hardware and software 3 to 5 years Leasehold improvements Shorter of life or term of lease Maintenance and repairs are charged to expense as incurred while improvements and betterments are capitalized. When items are retired or are otherwise disposed of, the related costs and accumulated depreciation and amortization are removed from the accounts and any resulting gains or losses are credited or charged to income. Other Real Estate Owned Other real estate owned (“OREO”) consists of real estate property acquired through, or in lieu of, foreclosure that are held for sale and are initially recorded at the fair value of the property less estimated selling costs at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the 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 Operations. Carrying costs are charged to other real estate owned expenses in the accompanying Consolidated Statements of Operation. Gains or losses on sale of OREO are recognized when consideration has been exchanged, all closing conditions have been met and permanent financing has been arranged. Bank Owned Life Insurance Bank owned life insurance (“BOLI”) is carried at the amount that could be realized under the contract at the balance sheet date, which is typically cash surrender value. Changes in cash surrender value are recorded in non-interest income. At December 31, 2022, the Company maintained BOLI policies with five insurance carriers with a combined cash surrender value of $ 42.8 million. These policies cover certain present and former executives and officers, the Company is the beneficiary of these policies. Employee 401(k) Plan The Company has an employee 401(k) plan covering substantially all eligible employees. Employee 401(k) plan expense is the amount of matching contributions. Income Taxes Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Management is required to assess whether a valuation allowance should be established on the net deferred tax asset based on the consideration of all available evidence using a more likely than not standard. In its evaluation, Management considers taxable loss carry-back availability, expectation of sufficient taxable income, trends in earnings, the future reversal of temporary differences, and available tax planning strategies. The Company recognizes positions taken or expected to be taken in a tax return in accordance with existing accounting guidance on income taxes which prescribes a recognition threshold and measurement process. Interest and penalties on tax liabilities, if any, would be recorded in interest expense and other operating noninterest expense, respectively. Impairment of Long-Lived Assets The Company's long-lived assets, such as premises and equipment, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to estimated undiscounted future cash flows expected to be generated by the asset. If the carrying amount of an asset exceeds its estimated future cash flows, an impairment charge is recognized by the amount by which the carrying amount of the asset exceeds the fair value of the asset. Assets to be disposed of would be separately presented in the Consolidated Balance Sheets and reported at the lower of the carrying amount or fair value less costs to sell and are no longer depreciated. The assets and liabilities of a disposal group classified as held for sale would be presented separately in the appropriate asset and liability sections of the Consolidated Balance Sheets. Transfer of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (i) the assets have been isolated from the Company - put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (ii) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (iii) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets. Comprehensive Income (Loss) Under GAAP, certain changes in assets and liabilities, such as unrealized holding gains and losses on securities available-for-sale, are excluded from current period earnings and reported as a separate component of the stockholders’ equity section of the Consolidated Balance Sheets, such items, along with net income (loss), are components of comprehensive income (loss). Additionally, any unrealized gains or losses on transfers of investment securities from available-for-sale to held-to-maturity are recorded to accumulated other comprehensive income on the date of transfer and amortized over the remaining life of each security. The amortization of the unrealized gain or loss on transferred securities is reported as a component of comprehensive income (loss). See Note 2 “Investment Securities” for further discussion. Advertising Costs Advertising costs are expensed as incurred. Earnings per Common Share Basic earnings per common share is net income available to common stockholders divided by the weighted average number of common shares outstanding during the period. Diluted earnings per common share included the effect of 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 discussion on stock splits. Interest Income Interest income is recognized as earned, based upon the principal amount outstanding, on an accrual basis. Operating Segments While the Company monitors the revenue streams of the various products and services, operations are managed and financial performance is evaluated on a Company wide basis. Operating results of the individual products are not used to make resource allocations or performance decisions by Company management. Stock-Based Compensation Stock based compensation accounting guidance requires that the compensation cost relating to share-based payment transactions be recognized in the accompanying Consolidated Financial Statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock-based compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights, and employee share purchase plans. The stock-based compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees' service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black- Scholes model is used to estimate the fair value of stock options. Loss Contingencies Loss contingencies, including claims and legal actions arising in the normal course of business, are recorded as liabilities when the likelihood of loss is probable, and an amount or range of loss can be reasonably estimated. In the opinion 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. See Note 18 “Loss Contingencies” for further details. Dividend Restrictions Banking regulations require maintaining certain capital levels and may limit the dividends paid by the Bank to the Company or by the Company to the shareholders. Fair Value Measurements Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 12 “Fair Value Measurements”. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates. Derivative Instruments Derivative financial instruments are carried at fair value and reflect the estimated amount that would have been received to terminate these contracts at the reporting date based upon pricing or valuation models applied to current market information. The Company enters into interest rate swaps to provide commercial loan clients the ability to swap from a variable interest rate to a fixed rate. The Company enter into a floating-rate loan with a customer with a separately issued swap agreement allowing the customer to convert floating payments of the loan into a fixed interest rate. To mitigate risk, the Company will enter into a matching agreement with a third party to offset the exposure on the customer agreement. These swaps are not considered to be qualified hedging transactions and the unmatched unrealized gain or loss is recorded in other non-interest income. Revenue from Contracts with Customers Revenue from contracts with customers is recognized in an amount that reflects the consideration the Company expects to receive for the services the Company provides to its customers. The main revenue earned by the Company from loans and investment securities are excluded from the accounting standard update “Revenue from Contracts with Customers”. Deposit and service charge fees, consisting of primarily monthly maintenance fees, wire fees, ATM interchange fees and other transaction-based fees, are the most significant types of revenue within the accounting standard update. Revenue is recognized when the service provided by the Company is complete. The aggregate amount of revenue within the scope of this standard that is received from sources other than deposit service charges and fees is not material. Cash Flow Statement The Company reports the net activity rather than gross activity in the Consolidated Statements of Cash Flows. The net cash flows are reported for loans held for investment, accrued interest receivable, deferred tax asset, other assets, customer deposits, accrued interest payable, other liabilities, and proceeds from issuance of Class A common shares. Reclassifications Certain amounts in the Consolidated Financial Statements have been reclassified to conform to the current presentation. Reclassifications had no impact on the net income or stockholders’ equity of the Company. Recently Issued Accounting Standards – Not Yet Adopted Measurement of Credit Losses on Financial Instruments In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326); Measurement of Credit Losses on Financial Instruments. This accounting standard update (“ASU” or “Update”) on accounting for current expected credit losses on financial instruments (“CECL”) will replace the current probable incurred loss impairment methodology under U.S. GAAP with a methodology that reflects the expected credit losses. The Update is intended to provide financial statement users with more decision-useful information about expected credit losses. This Update is applicable to the Company on a modified retrospective basis for interim and annual periods in fiscal years beginning after December 15, 2022. The Company adopted this ASU on January 1, 2023. To date, the Company executed a detailed implementation plan through the adoption date, implemented a software solution to assist with the CECL estimation process, and has completed parallel run models, and finished a data gap analysis. The company expects its allowance for credit losses to increase in 2023 approximately $ 1.0 million to $ 2.0 million upon adoption of ASU 2016-13 compared to its allowance for loan losses at December 31, 2022. Reserve on unfunded commitments will also increase approximately $ 200 thousand to $ 600 thousand and it will be recognized as a liability on the Consolidated Balance Sheet. The Company reviewed it’s held-to-maturity debt securities and the allowance was deemed immaterial. The Company will initially apply the impact of the new guidance through a cumulative-effect adjustment to retained earnings as of January 1, 2023. Future adjustments to credit loss expectations will be recorded through the income statement as charges or credits to earnings. The disclosed estimates are subject to further refinement upon finalization of the Company’s review of the calculations, assumptions, methodologies and judgments. Internal controls over financial reporting relating to these new processes have been designed and implemented and are being evaluated. The Company is in the final stages of completing the formal governance and approval process. The ongoing impact to the Company’s results of operations in future periods will be influenced by the loan portfolio composition and by macroeconomic conditions and forecasts at each reporting date. Adoption of the standard on the first quarter of 2023 is expected to result in higher volatility in the quarterly provision for credit losses when compared to the Company’s historical results under the incurred loss model. Troubled Debt Restructurings and Vintage Disclosures In March 2022, the FASB issued ASU 2022-02, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. This accounting standard eliminates the accounting guidance for troubled debt restructurings by creditors in ASC 310-40, and it enhances disclosure requirements for some loan refinancings and restructurings involving borrowers experiencing financial difficulty. Specifically, rather than applying the troubled debt restructuring recognition and measurement guidance, creditors will evaluate all loan modifications to determine if they result in a new loan or a continuation of the existing loan. Losses associated with troubled debt restructurings should be incorporated in a creditor’s estimate of its allowance for credit losses. Additionally, public business entities are required to disclose current-period gross write-offs by year of origination for loan financing receivables and net investment in leases. Reference Rate Reform In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting. In January 2021, the FASB clarified the scope of this guidance with ASU 2021-01 which provides optional guidance for a limited period of time to ease the burden in accounting for (or recognizing the effects of) reference rate reform on financial reporting. This ASU is effective March 12, 2020 through December 31, 2024. The Company is evaluating the impact of this ASU and has not yet determined whether LIBOR transition and this ASU will have material effects on our business operations and consolidated financial statements.

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Assets:
Cash and due from banks	$ 6,605	$ 6,477
Interest-bearing deposits in banks	47,563	39,751
Total cash & cash equivalents	54,168	46,228
Investment securities held to maturity (fair value $169,088 and $120,157, respectively)	188,699	122,658
Investment securities available for sale, at fair value	230,140	401,542
Federal Home Loan Bank stock, at cost	2,882	2,100
Loans held for investment, net of allowance of $17,487 and $15,057, respectively	1,489,851	1,175,024
Accrued interest receivable	7,546	5,975
Premises and equipment, net	5,263	5,278
Bank owned life insurance	42,781	41,720
Deferred tax asset, net	42,360	34,929
Lease right-of-use asset	14,395	14,185
Other assets	7,749	4,300
Total assets	2,085,834	1,853,939
Deposits:
Demand	629,776	605,425
Money market and savings accounts	915,853	703,856
Interest-bearing checking accounts	66,675	55,878
Time deposits	216,977	225,220
Total deposits	1,829,281	1,590,379
Federal Home Loan Bank advances	46,000	36,000
Lease liability	14,395	14,185
Accrued interest and other liabilities	13,730	9,478
Total liabilities	1,903,406	1,650,042
Commitments and contingencies (see Note 10 and 18)
Stockholders' Equity:
Additional paid-in capital on common stock	311,282	310,666
Accumulated deficit	(104,104)	(124,245)
Accumulated other comprehensive income (loss)	(44,751)	(2,516)
Total stockholders' equity	182,428	203,897
Total liabilities and stockholders' equity	2,085,834	1,853,939
Preferred Stock Class C [Member]
Stockholders' Equity:
Preferred stock
Preferred Stock Class D [Member]
Stockholders' Equity:
Preferred stock
Preferred Stock Class E [Member]
Stockholders' Equity:
Preferred stock
Common Class A [Member]
Stockholders' Equity:
Common stock	20,001	19,992
Common Class B [Member]
Stockholders' Equity:
Common stock

Regulatory Matters	12 Months Ended
Regulatory Matters	Dec. 31, 2022
Regulatory Matters [Abstract]
Regulatory Matters	15. REGULATORY MATTERS Banks and bank holding companies are subject to regulatory capital requirements administered by federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Company and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Based on changes to the Federal Reserve’s definition of a “Small Bank Holding Company” that increased the threshold to $3.0 billion in assets in August 2018, the Company is not currently subject to separate minimum capital measurements. At such time when the Company reaches the $3.0 billion asset level, it will be subject to capital measurements independent of the Bank. The Bank has elected to permanently opt-out of the inclusion of accumulated other comprehensive income in the capital calculations, as permitted by the regulations. This opt-out will reduce the impact of market volatility on the Bank’s regulatory capital levels. The Bank is subject to the rules of the Basel III regulatory capital framework and related Dodd-Frank Wall Street Reform and Consumer Protection Act. The rules include the implementation of a 2.5 % capital conservation buffer that is added to the minimum requirements for capital adequacy purposes. Failure to maintain the required capital conservation buffer will limit the ability of the Bank to pay dividends, repurchase shares or pay discretionary bonuses. At December 31, 2022 and 2021, the capital ratios for the Bank were sufficient to meet the conservation buffer. Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If adequately capitalized, regulatory approval is required to accept brokered deposits. If undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. At December 31, 2022 and 2021, the most recent notification from the regulatory authorities categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. Failure to meet statutorily mandated capital guidelines could subject the Bank to a variety of enforcement remedies, including issuance of a capital directive, the termination of deposit insurance by the FDIC, a prohibition on accepting or renewing brokered deposits, limitations on the rates of interest that the Bank may pay on its deposits and other restrictions on its business. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events since the notification that management believes have changed the Bank’s category. Actual and required capital amounts and ratios are presented below for the Bank at December 31, 2022 and 2021 (in thousands, except ratios). The required amounts for capital adequacy shown do not include the capital conservation buffer previously discussed. Effective December 30, 2021, the Company acquired the Bank in a merger and reorganization through the formation of a bank holding company. Pursuant to this transaction, all of the outstanding shares of the Bank’s $ 1.00 par value common stock formerly held by its shareholders was converted into and exchanged for one newly issued share of the Company’s par value common stock, and the Bank became a subsidiary of the Company. See Note 13 “Stockholders’ Equity” for further details. The Company is limited in the amount of cash dividends that it may pay. Payment of dividends is generally limited to the Company’s net income of the current year combined with the Bank’s retained income of the preceding two years, as defined by state banking regulations. However, for any dividend declaration, the Company must consider additional factors such as the amount of current period net income, liquidity, asset quality, capital adequacy and economic conditions at the Bank. It is likely that these factors would further limit the amount of dividends which the Company could declare. In addition, bank regulators have the authority to prohibit banks from paying dividends if they deem such payment to be an unsafe or unsound practice. Actual Minimum Capital Requirements To be Well Capitalized Under Prompt Corrective Action Provisions Amount Ratio Amount Ratio Amount Ratio December 31, 2022: Total risk-based capital: $ 216,693 13.58 % $ 127,616 8.00 % $ 159,520 10.00 % Tier 1 risk-based capital: $ 198,909 12.47 % $ 95,712 6.00 % $ 127,616 8.00 % Common equity tier 1 capital: $ 198,909 12.47 % $ 71,784 4.50 % $ 103,688 6.50 % Leverage ratio: 198,909 9.56 % $ 83,210 4.00 % $ 104,012 5.00 % December 31, 2021: (1) Total risk-based capital $ 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 %

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

+ References + Details

Income Taxes (Statutory Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Income Taxes [Abstract]
Federal taxes at statutory rate	$ 5,688	$ 5,812
State income taxes, net of federal tax benefit	1,177	969
Bank owned life insurance	(269)	(186)
Other, net	348	5
Total	$ 6,944	$ 6,600

- Definition

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

+ References + Details

Related Party Transactions	12 Months Ended
Related Party Transactions	Dec. 31, 2022
Related Party Transactions [Abstract]
Related Party Transactions	16. RELATED PARTY TRANSACTIONS In the ordinary course of business, principal officers, directors, and affiliates may engage in transactions with the Company. The following table presents loans to and deposits from related parties included within the accompanying Consolidated Financial Statements at December 31, 2022 and 2021 (in thousands): Loan Purchases During 2022, the Bank purchased $ 42.8 million of loans from entities that are deemed to be related parties. The Bank paid those entities fees of $ 881 thousand. 2022 2021 Consolidated Balance Sheets: Loans held for investment, net $ - $ - Deposits $ 6,825 $ 1,905 Consolidated Statements of Operations: Interest income $ - $ - Interest expense $ 54 $ 16

Income Taxes (Components of Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Current:
Federal
State
Total current
Deferred:
Federal	5,462	5,314
State	1,482	1,286
Total deferred	6,944	6,600
Total	$ 6,944	$ 6,600

- Definition

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

+ References + Details

Equity Based And Other Compensation Plans	12 Months Ended
Equity Based And Other Compensation Plans	Dec. 31, 2022
Equity Based And Other Compensation Plans [Abstract]
Equity Based And Other Compensation Plans	9. EQUITY BASED AND OTHER COMPENSATION PLANS Employee 401(k) Plan The Company has an employee 401(k) plan (the “Plan”) covering substantially all eligible employees. The Plan includes a provision that the employer may contribute to the accounts of eligible employees for whom a salary deferral is made. There was $ 313 thousand and $ 296 thousand of Company contributions to the Plan during the years ended December 31, 2022 and 2021, respectively, and are included under salaries and employee benefits in the Consolidated Statements of Operations. Stock-Based Compensation Stock option balances, weighted average exercise price, and weighted average fair value of options granted for the year ended December 31, 2021 were adjusted to reflect the 1 for 5 reverse stock split on Class A common stock. Stock options are only exercisable to Class A common stock. See Note 13 “Stockholders’ Equity” for further discussion on stock split. In 2015, the Company's shareholders approved the 2015 Equity Incentive Plan (the “2015 Option Plan”), which authorized grants of options to purchase up to 2,000,000 shares of common stock. The 2015 Option Plan provided that vesting schedules will be determined upon issuance of options by the Board of Directors or compensation committee. Options granted under the 2015 Option Plan have a 10 -year life, in no event shall an option be exercisable after the expiration of 10 years from the grant date. The 2015 Option Plan has a 10 -year life and will terminate in 2025. In July 2020, the shareholders of the Company approved to amend the 2015 Option plan authorizing the issuance of an additional 3,000,000 shares of common stock and extending the life of the plan 5 additional years, terminating in 2030. The approved shares after being adjusted to reflect the 1 for 5 reverse stock split totaled 1,000,000 shares. In December 2021, the shareholders of the Company approved to amend the 2015 Option plan authorizing the issuance of an additional 1,400,000 shares of common stock. At December 31, 2022, there were 1,386,667 shares available for grant under the 2015 Option Plan. At December 31, 2021, there were 1,401,667 shares available for grant under the 2015 Option Plan. The Company recognizes compensation expense based on the estimated grant date fair value method using the Black- Scholes option pricing model and accounts for this expense using a prorated straight-line amortization method over the vesting period of the option. Stock based compensation expense is based on awards that the Company expects will ultimately vest, reduced by estimated forfeitures. Estimated forfeitures consider the voluntary termination trends as well as actual option forfeitures. The compensation expense is reported under salaries and employee benefits in the accompanying Consolidated Statements of Operations. Compensation expense totaling $ 523 thousand was recognized for the year ended December 31, 2022 and $ 287 thousand for the year ended December 31, 2021. There was no related tax benefit for the years ended December 31, 2022 and 2021. Unrecognized compensation cost remaining on stock-based compensation totaled $ 787 thousand and $ 1.3 million for the years ended December 31, 2022 and 2021, respectively . Cash flows resulting from excess tax benefits are required to be classified as a part of cash flows from operating activities. Excess tax benefits are realized tax benefits from tax deductions for exercised options in excess of the deferred tax asset attributable to the compensation cost for such options. The fair value of options granted was determined using the following weighted-average assumptions at December 31, 2022: Assumption 2022 Risk-free interest rate 2.34 % Expected term 10 years Expected stock price volatility 10 % Dividend yield 0 % The following table presents a summary of stock options for the years ended December 31, 2022 and 2021: Stock Options Weighted Average Exercise Price Weighted Average Remaining Contractual Years Aggregate Intrinsic Value (in thousands) Balance at January 1, 2022 959,667 $ 10.87 8.4 Granted 15,000 $ 14.03 Exercised (9,000) $ 11.35 Balance at December 31, 2022 965,667 $ 10.91 7.4 Exercisable at December 31, 2022 560,000 $ 10.18 6.4 $ 1,131 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 The aggregate intrinsic value in the table above represents the total pre-tax intrinsic value (the difference between the valuation of the Company’s stock and the exercise price, multiplied by the number of options considered in-the-money) that would have been received by the option holders had all option holders exercised their options. The weighted average fair value of options granted for the years ended December 31, 2022 and 2021 was $ 3.45 and $ 2.32 , respectively. There were no restricted stock awards outstanding as of December 31, 2021 or 2022. There are no equity compensation plans of the Company that have not been approved by the shareholders.

Parent Company Condensed Financial Information (Tables)	12 Months Ended
Parent Company Condensed Financial Information (Tables)	Dec. 31, 2022
Parent Company Condensed Financial Information [Abstract]
Schedule Of Condensed Balance Sheets	December 31, 2022 December 31, 2021 ASSETS: Cash and Cash Equivalents $ 1,102 $ - Investment in bank subsidiary 181,326 203,897 Other assets - - Total assets $ 182,428 $ 203,897 LIABILITIES AND STOCKHOLDERS' EQUITY: Other liabilities $ - $ - Stockholders' equity 182,428 203,897 Total liabilities and stockholders' equity $ 182,428 $ 203,897
Schedule Of Income Statement	December 31, 2022 December 31, 2021 INCOME: Dividends from subsidiaries $ 1,000 $ - Service fees from subsidiaries - - Total $ 1,000 $ - EXPENSE: Employee compensation and benefits - - Total - - Income before income taxes and undistributed subsidiary income 1,000 Provision (benefit) for income taxes - - Equity in undisbursed subsidiary income 19,141 Net Income $ 20,141 $ -
Schedule Of Cash Flow	December 31, 2022 December 31, 2021 Cash flows from operating activities: Net income $ 20,141 $ - Adjustments to reconcile net income to net cash provided by operating activities: - Equity in undistributed earnings of subsidiaries (19,141) - Other - Net cash provided by operating activities $ 1,000 $ - Cash flows from investing activities: Capital contributions to subsidiary - - Other - - Net cash used in investing activities - - Cash flows from financing activities: Dividends paid - - Proceeds from exercise of stock options 102 - Repurchase of common stock - - Net cash (used in) provided by financing activities 102 - Net increase (decrease) in cash and cash equivalents 1,102 - Cash and cash equivalents, beginning of period - - Cash and cash equivalents, end of period $ 1,102 $ -

Loans (Summary of Loans Held for Investment) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Accounts Notes And Loans Receivable [Line Items]
Total gross loans	$ 1,507,228	$ 1,191,659
Less: Unearned income	(110)	1,578
Total loans net of unearned income	1,507,338	1,190,081
Less: ACL	17,487	15,057
Total net loans	$ 1,489,851	$ 1,175,024
Percent of Total	100.00%	100.00%
Residential Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Total gross loans	$ 185,636	$ 201,359
Percent of Total	12.30%	16.90%
Commercial Real Estate [Member]
Accounts Notes And Loans Receivable [Line Items]
Total gross loans	$ 970,410	$ 704,988
Percent of Total	64.40%	59.20%
Commercial and Industrial [Member]
Accounts Notes And Loans Receivable [Line Items]
Total gross loans	$ 126,984	$ 146,592
Percent of Total	8.40%	12.30%
Foreign Banks [Member]
Accounts Notes And Loans Receivable [Line Items]
Total gross loans	$ 93,769	$ 59,491
Percent of Total	6.20%	5.00%
Consumer and Other [Member]
Accounts Notes And Loans Receivable [Line Items]
Total gross loans	$ 130,429	$ 79,229
Percent of Total	8.70%	6.60%

Derivatives (Narrative) (Details) - Interest Rate Swap [Member] $ in Millions	Dec. 31, 2022 USD ($) Item	Dec. 31, 2021 USD ($) Item
Derivatives Fair Value [Line Items]
Number of instruments with loan customers \| Item	15	18
Notional amount \| $	$ 33.9	$ 39.2

Loans (Loan Credit Exposures) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable Recorded Investment [Line Items]
Total Loans	$ 1,507,228	$ 1,191,659
Residential Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	185,636	201,359
Residential Real Estate [Member] \| HELOC and Other [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	623	701
Residential Real Estate [Member] \| 1-4 Family Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	132,178	135,421
Residential Real Estate [Member] \| Condo Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	52,835	65,237
Commercial Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	970,410	704,988
Commercial Real Estate [Member] \| Land and Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	38,687	24,581
Commercial Real Estate [Member] \| Multifamily Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	176,820	127,489
Commercial Real Estate [Member] \| Condo Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	49,994	42,400
Commercial Real Estate [Member] \| Commercial Property [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	704,909	510,411
Commercial Real Estate [Member] \| Leasehold Improvements [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans		107
Commercial and Industrial [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	126,984	146,592
Commercial and Industrial [Member] \| Secured [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	121,680	98,141
Commercial and Industrial [Member] \| Unsecured [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	5,304	48,451
Foreign Banks [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	93,769	59,491
Consumer and Other [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	130,429	79,229
Pass [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	1,503,280	1,184,662
Pass [Member] \| Residential Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	185,636	196,778
Pass [Member] \| Residential Real Estate [Member] \| HELOC and Other [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	623	701
Pass [Member] \| Residential Real Estate [Member] \| 1-4 Family Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	132,178	130,840
Pass [Member] \| Residential Real Estate [Member] \| Condo Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	52,835	65,237
Pass [Member] \| Commercial Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	967,465	703,349
Pass [Member] \| Commercial Real Estate [Member] \| Land and Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	38,687	24,581
Pass [Member] \| Commercial Real Estate [Member] \| Multifamily Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	176,820	127,489
Pass [Member] \| Commercial Real Estate [Member] \| Condo Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	49,601	41,983
Pass [Member] \| Commercial Real Estate [Member] \| Commercial Property [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	702,357	509,189
Pass [Member] \| Commercial Real Estate [Member] \| Leasehold Improvements [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans		107
Pass [Member] \| Commercial and Industrial [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	126,177	146,039
Pass [Member] \| Commercial and Industrial [Member] \| Secured [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	120,873	97,605
Pass [Member] \| Commercial and Industrial [Member] \| Unsecured [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	5,304	48,434
Pass [Member] \| Foreign Banks [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	93,769	59,491
Pass [Member] \| Consumer and Other [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	130,233	79,005
Special Mention [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans		1,222
Special Mention [Member] \| Commercial Property [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	3,948	5,775
Substandard [Member] \| Residential Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans		4,581
Substandard [Member] \| Residential Real Estate [Member] \| 1-4 Family Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans		4,581
Substandard [Member] \| Commercial Real Estate [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	2,945	417
Substandard [Member] \| Commercial Real Estate [Member] \| Condo Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	393	417
Substandard [Member] \| Commercial and Industrial [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	807	553
Substandard [Member] \| Commercial and Industrial [Member] \| Secured [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	807	536
Substandard [Member] \| Commercial and Industrial [Member] \| Unsecured [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans		17
Substandard [Member] \| Consumer and Other [Member]
Financing Receivable Recorded Investment [Line Items]
Total Loans	$ 196	$ 224

Stockholders' Equity	12 Months Ended
Stockholders' Equity	Dec. 31, 2022
Stockholders' Equity [Abstract]
Stockholders' Equity	13. STOCKHOLDERS’ EQUITY Common Stock On June 16, 2021, the Bank effected a 1 for 5 reverse stock split of all the Class A common stock $ 1.00 par value per share. As of the effective date of June 16, 2021, each five shares of the Company’s Class A common stock was combined into one fully paid share of Class A common stock. Any fractional shares resulting from this reverse stock split were rounded up to one whole share. The Bank has adjusted the Class A common stock, earnings per share and stock options adjusted for this 1 for 5 reverse stock split for all periods presented here. The Class B non-voting common stock was not adjusted but if sold or exchanged would be converted at the 1 for 5 reverse stock split of 5 Class B common stock for 1 share of Class A common stock. On July 27, 2021, the Bank completed the Initial Public Offering (“IPO”) of its Class A common stock, in which it issued and sold 4,600,000 shares of Class A common stock at a price of $ 10.00 per share. The Company received total net proceeds of $ 40.0 million after deducting underwriting discounts and expenses. On December 21, 2021, the Company entered into agreements with the Class B shareholders to exchange all outstanding Class B non-voting common stock for Class A voting common stock at a ratio of 5 to 1. On the same day, a total of 6,121,052 shares of Class B common stock was exchanged for 1,224,212 shares of Class A common stock. In December 2021, the Company acquired all the issued and outstanding shares of the Class A voting common stock of the Bank, which were the only issued and outstanding shares of the Bank’s capital stock, in a share exchange (the “Reorganization”) effected under the Florida Business Corporation Act. Each of the outstanding shares of the Bank’s common stock, par value $ 1.00 per share, formerly held by its shareholders was converted into and exchanged for one newly issued share of the Company’s common stock, par value $ 1.00 per share, and the Bank became the Company’s wholly-owned subsidiary. Prior to completing the bank holding company formation, the Company had no material assets and had not conducted any business or operations except for activities related to our organization and the Reorganization. In the Reorganization, each shareholder of the Bank received securities of the same class, having substantially the same designations, rights, powers, preferences, qualifications, limitations and restrictions, as those that the shareholder held in the Bank, and the Company’s current shareholders own the same percentages of its common stock as they previously owned of the Bank’s common stock. Preferred Stock On April 5, 2021, the Board authorized and approved the offer to repurchase all outstanding shares of Class E preferred stock at the liquidation value of $ 7.5 million along with declared dividends of $ 103 thousand. All Class E preferred stock shareholders approved the repurchase which the Company completed on April 26, 2021. The Company offered the Class C and Class D preferred stockholders the ability to exchange their shares for Class A common stock. The offer to exchange was voluntary and the preferred stockholders were given the option to convert 90 % of their preferred shares for Class A common stock with the remaining 10 % to be redeemed in the form of cash. The exchange ratio for the shares of Class A common stock issued in the exchange transaction was based upon the IPO price for shares of Class A common stock. During the year ended 2021, 47,473 shares of Class C preferred stock and 11,061,552 shares of Class D preferred stock converted into 10,278,072 shares of Class A common stock. The exchange of the Class C and Class D preferred shares had a total liquidation value of $ 102.8 million. The remaining unconverted shares of Class C preferred stock and Class D preferred stock totaling 1,234,354 shares were subsequently redeemed at liquidation value for $ 11.4 million. The fair value of consideration on the exchange and redemption of the Class C and Class D preferred shares exceeded the book value causing a one-time reduction in net income available to common stockholders of $ 89.6 million. As of December 31, 2022, there were no preferred shares and no outstanding dividends to be paid. Dividends The Board approved the following dividend amounts on the preferred shares for the years ended December 31, 2022 and 2021 (in thousands): 2022 2021 Preferred stock - Class C: Non-voting, Non-cumulative, Perpetual: $ 1.00 par value; $ 1,000 per share liquidation preference; annual dividend rate of 4 % of liquidation preference paid quarterly. Quarterly dividend of $ 10.00 per share. $ - $ 1,494 Preferred stock - Class D: Non-voting, Non-cumulative, Perpetual: $ 1.00 par value; $ 5.00 per share liquidation preference; annual dividend rate of 4 % of par value paid quarterly. Quarterly dividend of $ 0.01 per share. - 348 Preferred stock - Class E: Non-voting, partially cumulative, Perpetual: $ 1.00 par value; $ 1,000 per share liquidation preference; annual dividend rate of 7 % of liquidation preferences paid quarterly. Quarterly dividend of $ 17.50 per share. - 235 Total dividends paid $ - $ 2,077 Declaration of dividends by the Board is required before dividend payments are made. The dividend payment dates for Class C and Class D preferred shares were set by the Board while the Class E preferred shares had a set dividend payment date on the fifteenth of February, May, August, and November. No dividends were approved by the Board for the common stock classes for the years ended December 31, 2022 and 2021. Additionally, there were no dividends declared and unpaid at December 31, 2022 and 2021.

- Definition

The entire disclosure for shareholders' equity comprised of portions attributable to the parent entity and noncontrolling interest, including other comprehensive income. Includes, but is not limited to, balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings, accumulated balance for each classification of other comprehensive income and amount of comprehensive income.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-URI https://asc.fasb.org/topic&trid=2208762

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 13
-Subparagraph (b)
-URI https://asc.fasb.org/extlink&oid=126973232&loc=SL123496158-112644

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
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-SubTopic 10
-Section 50
-Paragraph 14
-Subparagraph (b)
-URI https://asc.fasb.org/extlink&oid=126973232&loc=SL123496171-112644

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI https://asc.fasb.org/extlink&oid=120397183&loc=d3e187085-122770

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 18
-Subparagraph (d)
-URI https://asc.fasb.org/extlink&oid=126973232&loc=SL123496189-112644

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 13
-Subparagraph (g)
-URI https://asc.fasb.org/extlink&oid=126973232&loc=SL123496158-112644

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
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+ Details

Deposits (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
Time deposits exceeding the FDIC insurance limit of $250 thousand	$ 82,000	$ 119,400
Reclassification of time deposits	$ 230	$ 247

Derivatives (Tables)	12 Months Ended
Derivatives (Tables)	Dec. 31, 2022
Derivatives [Abstract]
Summary of Interest Rate Swaps	Fair Value Notional Amount Collateral Amount Balance Sheet Location Asset Liability December 31, 2022: Derivatives not designated as hedging instruments: Interest rate swaps related to customer loans $ 33,893 $ 1,278 Other assets/Other liabilities $ 5,011 $ 5,011 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

Loans (Narrative) (Details) - USD ($)	12 Months Ended
Loans (Narrative) (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Accounts Notes And Loans Receivable [Line Items]
Loans pledged as collateral	$ 1,507,228,000	$ 1,191,659,000
Loans in process of foreclosure amount	0	1,200,000
Interest income recognized attributable to nonaccrual loans	0	0
Interest income		5,000
Interest income recognized on impaired loans	351,000	415,000
Allocated of specific allowance for TDR loans	294,000	360,000
Commitment to lend additional funds	0	0
Charge-offs	120,000	261,000
Total TDRs	7,877,000	8,876,000
Federal Home Loan Bank Advances [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans pledged as collateral	$ 338,100,000	$ 185,100,000
Financial Asset Past Due [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of Loans		0
CARES Act Modifications [Member]
Accounts Notes And Loans Receivable [Line Items]
Number of Loans	0	0
TDR Loans [Member]
Accounts Notes And Loans Receivable [Line Items]
Charge-offs		$ 18,000
Defaults on loans modified as TDR	0	0
Total TDRs	0	0
Paycheck Protection Program [Member]
Accounts Notes And Loans Receivable [Line Items]
Loan amount	1,300,000	42,400,000
Deferred loan fees	13,000	1,500,000
Loan fees	1,600,000	4,500,000
Commercial and Industrial [Member]
Accounts Notes And Loans Receivable [Line Items]
Loans pledged as collateral	126,984,000	146,592,000
Allocated of specific allowance for TDR loans	41,000	71,000
Charge-offs	104,000	18,000
Total TDRs	$ 82,000	$ 141,000

Fair Value Measurements (Carrying Amounts And Estimated Fair Values Of Financial Instruments Not Carried At Fair Value) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financial Assets:
Investment securities held to maturity	$ 169,088	$ 120,157
Carrying Amount [Member]
Financial Assets:
Cash and due from banks	6,605	6,477
Interest-bearing deposits in banks	47,563	39,751
Investment securities held to maturity	188,699	122,658
Loans held for investment, net	1,489,851	1,175,024
Accrued interest receivable	7,546	5,975
Financial Liabilities:
Demand deposits	629,776	605,425
Money market and savings accounts	915,853	703,856
Interest-bearing checking accounts	66,675	55,878
Time deposits	216,977	225,220
FHLB advances	46,000	36,000
Accrued interest payable	229	96
Fair Value [Member]
Financial Assets:
Cash and due from banks	6,605	6,477
Interest-bearing deposits in banks	47,563	39,751
Investment securities held to maturity	169,088	120,157
Loans held for investment, net	1,436,877	1,189,191
Accrued interest receivable	7,546	5,975
Financial Liabilities:
Demand deposits	629,776	605,425
Money market and savings accounts	915,853	703,856
Interest-bearing checking accounts	66,675	55,878
Time deposits	211,406	224,688
FHLB advances	44,547	36,479
Accrued interest payable	229	96
Fair Value [Member] \| Level 1 [Member]
Financial Assets:
Cash and due from banks	6,605	6,477
Interest-bearing deposits in banks	47,563	39,751
Financial Liabilities:
Demand deposits	629,776	605,425
Money market and savings accounts	915,853	703,856
Interest-bearing checking accounts	66,675	55,878
Fair Value [Member] \| Level 2 [Member]
Financial Assets:
Investment securities held to maturity	169,088	120,157
Accrued interest receivable	1,183	1,222
Financial Liabilities:
FHLB advances	44,547	36,479
Accrued interest payable	92	50
Fair Value [Member] \| Level 3 [Member]
Financial Assets:
Loans held for investment, net	1,436,877	1,189,191
Accrued interest receivable	6,363	4,753
Financial Liabilities:
Time deposits	211,406	224,688
Accrued interest payable	$ 137	$ 46

Borrowings	12 Months Ended
Borrowings	Dec. 31, 2022
Borrowings [Abstract]
Borrowings	8. BORROWINGS Borrowed funds consist of fixed rate advances from the FHLB. At December 31, 2022 FHLB advances were $ 46.0 million and at December 31, 2021 were $ 36 million. The following table presents the fixed interest rates and expected maturities of the FHLB advances at December 31, 2022 and 2021 (in thousands): The FHLB holds a blanket lien on the Company's loan portfolio that may be pledged as collateral for outstanding advances, subject to eligibility under the borrowing agreement. The Company may also choose to assign cash balances held at the FHLB as additional collateral. See Note 3 “Loans” for further discussion on pledged loans. At December 31, 2022 Interest Rate Type of Rate Maturity Date Amount 2.05 % Fixed March 27, 2025 $ 10,000 1.07 % Fixed July 18, 2025 6,000 1.04 % Fixed July 30, 2024 5,000 0.81 % Fixed August 17, 2023 5,000 4.17 % Fixed January 13, 2023 20,000 $ 46,000 At December 31, 2021 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

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

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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, 2022	Dec. 31, 2021
Earnings Per Share [Abstract]
Net income	$ 20,141	$ 21,077
Less: Preferred stock dividends		2,077
Less: Exchange and redemption of preferred shares		89,585
Net income (loss) available to common stockholders	$ 20,141	$ (70,585)

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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+ Details

Income Taxes	12 Months Ended
Income Taxes	Dec. 31, 2022
Income Taxes [Abstract]
Income Taxes	6. INCOME TAXES The Company’s provision for income taxes is presented in the following table for the years ended December 31, 2022 and 2021 (in thousands): The actual income tax expense for the years ended December 31, 2022 and 2021 differs from the statutory tax expense for the year (computed by applying the U.S. federal corporate tax rate of 21 % for 2022 and 2021 to income before provision for income taxes) as follows (in thousands): 2022 2021 Federal taxes at statutory rate $ 5,688 $ 5,812 State income taxes, net of federal tax benefit 1,177 $ 969 Bank owned life insurance (269) $ (186) Other, net 348 $ 5 Total tax expense $ 6,944 $ 6,600 The following table presents the deferred tax assets and deferred tax liabilities as of December 31, 2022 and 2021 (in thousands): 2022 2021 Deferred tax assets: Net operating loss $ 21,720 $ 28,819 Allowance for credit losses 4,432 3,816 Lease liability 3,648 3,595 Unrealized loss on available for sale securities 15,193 817 Deferred loan fees - 400 Depreciable property 158 361 Stock option compensation 373 241 Accruals 723 600 Other, net - 2 Deferred tax asset $ 46,247 $ 38,651 Deferred tax liability: Deferred loan cost (28) - Lease right of use asset (3,648) (3,595) Deferred expenses (175) (127) Other, net (36) - Deferred tax liability $ (3,887) $ (3,722) Net deferred tax asset $ 42,360 $ 34,929 At December 31, 2022 the Company had approximately $ 81.8 million of Federal and $ 104.5 million of State net operating loss carryforwards expiring in various amounts from 2031 to 2036. Their utilization is limited to future taxable earnings of the Company. In assessing the realizability of deferred tax assets, management considered whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income, and tax planning strategies in making this assessment. The U.S. Federal jurisdiction and Florida are the major tax jurisdictions where the Company files income tax returns. The Company is generally no longer subject to U.S. Federal or State examinations by tax authorities for years before 2019. For the years ended December 31, 2022 and 2021, the Company did no t have any unrecognized tax benefits as a result of tax positions taken during a prior period or during the current period. Additionally, no interest or penalties were recorded as a result of tax uncertainties. 2022 2021 Current: Federal $ - $ - State - $ - Total current - $ - Deferred: Federal 5,462 $ 5,314 State 1,482 $ 1,286 Total deferred 6,944 $ 6,600 Total tax expense $ 6,944 $ 6,600

- Definition

The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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+ Details

Loss Contingencies	12 Months Ended
Loss Contingencies	Dec. 31, 2022
Loss Contingencies [Abstract]
Loss Contingencies	18. LOSS CONTINGENCIES Loss contingencies, including claims and legal actions may arise in the ordinary course of business. In the opinion 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.

Subsequent Events (Narrative) (Details) - Subsequent Event [Member] - Common Class A [Member] - $ / shares	1 Months Ended
	Mar. 24, 2023	Feb. 28, 2023
Subsequent Event [Line Items]
Shares repurchased	250,000	250,000
Shares repurchased, cost per share	$ 11.39	$ 12.04

Leases (Tables)	12 Months Ended
Leases (Tables)	Dec. 31, 2022
Leases [Abstract]
ROU Assets And Leases Liabilities	2022 2021 ROU assets: Operating leases $ 14,395 $ 14,185 Lease liabilities: Operating leases $ 14,395 $ 14,185
Weighted Average Remaining Lease Term And Weighted Average Discount Rate	2022 2021 Weighted average remaining lease term (in years): Operating leases 6.98 8.28 Weighted average discount rate: Operating leases 2.94 % 2.32 %
Future Lease Payment Obligations And Reconciliation To Lease Liability	2023 $ 3,158 2024 3,236 2025 3,312 2026 2,383 2027 951 Thereafter 3,478 Total future minimum lease payments 16,518 Less: interest component (2,123) Total lease liability $ 14,395

Deposits (Tables)	12 Months Ended
Deposits (Tables)	Dec. 31, 2022
Deposits [Abstract]
Schedule Of Deposits By Types	2022 2021 Non-interest bearing deposits $ 629,776 $ 605,425 Interest-bearing transaction accounts 66,675 55,878 Saving and money market deposits 915,853 703,856 Time deposits 216,977 225,220 Total deposits $ 1,829,281 $ 1,590,379
Schedule Of Maturities Of Time Deposits	2023 $ 182,647 2024 11,135 2025 1,998 2026 20,402 2027 549 Thereafter 246 $ 216,977

- Definition

Tabular disclosure of type of deposit liability.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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-Name Regulation S-K (SK)
-Number 229
-Section 1406
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-Subparagraph (2)(i)(ii)

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Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
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+ Details

Leases	12 Months Ended
Leases	Dec. 31, 2022
Leases [Abstract]
Leases	4. LEASES The Company enters into leases in the normal course of business primarily for banking centers and back-office operations. As of December 31, 2022, the Company leased nine of the ten banking centers and the headquarter building. The Company is obligated under non-cancelable operating leases for these premises with expiration dates ranging from 2026 to 2036, many of these leases have extension clauses which the Company could exercise which would extend these dates. The Company has classified all leases as operating leases. Lease expense for operating leases are recognized on a straight-line basis over the lease term. Right-of-use (“ROU”) assets represent the right to use the underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. The Company elected the short-term lease recognition exemption for all leases that qualify, meaning those with terms under 12 months. ROU assets or lease liabilities are not to be recognized for short-term leases. ROU assets and lease liabilities are recognized at the lease commencement date based on the estimated present value of lease payments over the lease term. In the Company’s Consolidated Balance Sheets, ROU assets are reported under other assets while lease liabilities are classified under accrued interest and other liabilities. As most of the Company’s leases do not provide an implicit rate, the incremental borrowing rate based on the information available at commencement date is used. The Company’s incremental borrowing rate is based on the FHLB advance rate matching or nearing the lease term. The following table presents the ROU assets and lease liabilities as of December 31, 2022 and 2021 (in thousands): 2022 2021 ROU assets: Operating leases $ 14,395 $ 14,185 Lease liabilities: Operating leases $ 14,395 $ 14,185 The weighted average remaining lease term and weighted average discount rate as of December 31, 2022 and 2021: 2022 2021 Weighted average remaining lease term (in years): Operating leases 6.98 8.28 Weighted average discount rate: Operating leases 2.94 % 2.32 % Future lease payment obligations and a reconciliation to lease liability as of December 31, 2022 (in thousands): 2023 $ 3,158 2024 3,236 2025 3,312 2026 2,383 2027 951 Thereafter 3,478 Total future minimum lease payments 16,518 Less: interest component (2,123) Total lease liability $ 14,395

Fair Value Measurements (Tables)	12 Months Ended
Fair Value Measurements (Tables)	Dec. 31, 2022
Fair Value Measurements [Abstract]
Schedule Of Assets Measured At Fair Value On Recurring Basis	2022 2021 Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total Investment securities available for sale: U.S. Government Agency $ - $ 8,655 $ - $ 8,655 $ - $ 10,520 $ - $ 10,520 Collateralized mortgage obligations - 95,541 - 95,541 - 156,829 - 156,829 Mortgage-backed securities - Residential - 60,879 - 60,879 - 118,842 - 118,842 Mortgage-backed securities - Commercial - 27,954 - 27,954 - 50,117 - 50,117 Municipal securities - 18,483 - 18,483 - 24,276 - 24,276 Bank subordinated debt securities - 14,919 - 14,919 - 28,408 - 28,408 Corporate bonds - 3,709 - 3,709 - 12,550 - 12,550 Total - 230,140 - 230,140 - 401,542 - 401,542 Derivative assets - 5,011 - 5,011 - 1,434 - 1,434 Total assets at fair value $ - $ 235,151 $ - $ 235,151 $ - $ 402,976 $ - $ 402,976 Derivative liabilities $ - $ 5,011 $ - $ 5,011 $ - $ 1,434 $ - $ 1,434 Total liabilities at fair value $ - $ 5,011 $ - $ 5,011 $ - $ 1,434 $ - $ 1,434
Schedule Of Assets Measured At Fair Value On A Nonrecurring Basis	Level 1 Level 2 Level 3 Total December 31, 2022: Impaired loans $ - $ - $ 3,639 $ 3,639 December 31, 2021: Impaired loans $ - $ - $ 3,990 $ 3,990
Quantified Information About Level 3 Fair Value Measurements For Assets Measured At Fair Value On A Non-recurring Basis	Fair Value Valuation Technique(s) Unobservable Input(s) December 31, 2022: Residential real estate $ 3,500 Sales comparison approach Adj. for differences between comparable sales Commercial and industrial 41 Discounted cash flow Adj. for differences in net operating income expectations Other 98 Discounted cash flow Adj. for differences in net operating income expectations Total impaired loans $ 3,639 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 impaired loans $ 3,990
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, 2022: Financial Assets: Cash and due from banks $ $6,605 $ $6,605 $ - $ - $ 6,605 Interest-bearing deposits in banks $ 47,563 $ 47,563 $ - $ - $ 47,563 Investment securities held to maturity $ 188,699 $ - $ 169,088 $ - $ 169,088 Loans held for investment, net $ 1,489,851 $ - $ - $ 1,436,877 $ 1,436,877 Accrued interest receivable $ 7,546 $ - $ 1,183 $ 6,363 $ 7,546 Financial Liabilities: Demand Deposits $ $629,776 $ $629,776 $ - $ - $ 629,776 Money market and savings accounts $ 915,853 $ 915,853 $ - $ - $ 915,853 Interest-bearing checking accounts $ 66,675 $ 66,675 $ - $ - $ 66,675 Time deposits $ 216,977 $ - $ - $ 211,406 $ 211,406 FHLB advances $ 46,000 $ - $ 44,547 $ - $ 44,547 Accrued interest payable $ 229 $ - $ 92 $ 137 $ 229 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

Leases (ROU Assets And Leases Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
ROU Assets: Operating leases	$ 14,395	$ 14,185
Lease liabilities: Operating leases	$ 14,395	$ 14,185

Earnings Per Share	12 Months Ended
Earnings Per Share	Dec. 31, 2022
Earnings Per Share [Abstract]
Earnings Per Share	14. EARNINGS PER SHARE Earnings per share (“EPS”) for common stock is calculated using the two-class method required for participating securities. Basic EPS is calculated by dividing net income (loss) available to common stockholders by the weighted-average number of common shares outstanding for the period, without consideration for common stock equivalents. Diluted EPS is computed by dividing net income (loss) available to common stockholders by the weighted-average number of common shares outstanding for the period and the weighted-average number of dilutive common stock equivalents outstanding for the period determined using the treasury-stock method. For purposes of this calculation, common stock equivalents include common stock options and are only included in the calculation of diluted EPS when their effect is dilutive. In calculating EPS for the year ended December 31, 2022 and 2021, net income available to common stockholders was not allocated between Class A and Class B common stock since there was no issued and outstanding Class B common stock at year-end. The following table reflects the calculation of net income (loss) available to common stockholders for the years ended December 31, 2022 and 2021 (in thousands): 2022 2021 Net Income $ 20,141 $ 21,077 Less: Preferred stock dividends - 2,077 Less: Exchange and redemption of preferred shares - 89,585 Net income (loss) available to common stockholders $ 20,141 $ (70,585) The following table reflects the calculation of basic and diluted earnings (loss) per common share class for the years ended December 31, 2022 and 2021 (in thousands, except per share amounts): 2022 2021 Class A Class A Basic EPS Numerator: Net income (loss) available to common shares before allocation $ 20,141 $ (70,585) Multiply: % allocated on weighted avg. shares outstanding 100.0% 100.0% Net income (loss) available to common shares after allocation $ 20,141 $ (70,585) Denominator: Weighted average shares outstanding 19,999,323 10,507,530 Earnings (loss) per share, basic $ 1.01 $ (6.72) Diluted EPS Numerator: Net income (loss) available to common shares before allocation $ 20,141 $ (70,585) Multiply: % allocated on weighted avg. shares outstanding 100.0% 100.0% Net income (loss) available to common shares after allocation $ 20,141 $ (70,585) Denominator: Weighted average shares outstanding for basic EPS 19,999,323 10,507,530 Add: Dilutive effects of assumed exercises of stock options 177,515 - Weighted avg. shares including dilutive potential common shares 20,176,838 10,507,530 Earnings (loss) per share, diluted $ 1.00 $ (6.72) Anti-dilutive stock options excluded from diluted EPS 15,000 183,303 For the year ended 2021, the Company was in a net loss position after adjusting for the exchange and redemption of the Class C and Class D preferred shares, making basic net loss per share the same as diluted net loss per share as the inclusion of all potential common shares outstanding would have been antidilutive. See Note 13 “Stockholders’ Equity” for further discussion on the stock splits.

Investment Securities (Narrative) (Details)	12 Months Ended
Investment Securities (Narrative) (Details)	Dec. 31, 2022 USD ($) Item	Dec. 31, 2021 USD ($) Item
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Amortized cost	$ 280,295,000	$ 405,853,000
Fair Value	230,140,000	401,542,000
Pledged under public funds, fair value	204,200,000	37,300,000
Asset Pledged As Collateral With Right [Member] \| Securities Sold Under Agreements To Repurchase [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Repurchase agreement with a public banking institution	$ 20,000,000.0	$ 0
Florida [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Number of securities pledged under agreement \| Item	18	11
Ratio of outstanding uninsured deposits for public deposits secured by securities pledged	25.00%
Pledged under public funds, fair value	$ 49,000,000.0	$ 20,400,000
Corporate Bond Securities [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Amortized cost	4,037,000	12,068,000
Fair Value	3,709,000	12,550,000
Mortgage Backed Securities and Collateralized Mortgage Obligations of Government Sponsored Entities [Member]
Debt Securities, Available-for-sale and Held-to-maturity [Line Items]
Fair Value	294,600,000
Unrealized losses	$ 53,700,000
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	26
Amortized cost	$ 74,400,000
Fair Value	63,800,000
Net unrealized gain	10,600,000
Unrealized losses	134,700,000
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	$ 120,000	$ 108,000

Leases (Weighted Average Remaining Lease Term And Weighted Average Discount Rate) (Details)	Dec. 31, 2022	Dec. 31, 2021
Leases [Abstract]
Weighed average remaining lease term: Operating leases (in years)	6 years 11 months 23 days	8 years 3 months 10 days
Weighted average discount rate: Operating leases	2.94%	2.32%

Income Taxes (Narrative) (Details) - USD ($)	12 Months Ended
Income Taxes (Narrative) (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Income Tax Disclosure [Line Items]
Federal statutory 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	81,800,000
State And Local Jurisdiction [Member]
Income Tax Disclosure [Line Items]
Net operating loss carryforwards	$ 104,500,000

Premises And Equipment (Tables)	12 Months Ended
Premises And Equipment (Tables)	Dec. 31, 2022
Premises And Equipment [Abstract]
Summary Of Premises And Equipment	2022 2021 Land $ 972 $ 972 Building 1,952 1,947 Furniture, fixtures and equipment 8,841 8,726 Computer hardware and software 4,575 4,552 Leasehold improvements 10,451 9,921 Premises and equipment, gross 26,791 26,118 Accumulated depreciation and amortization (21,528) (20,840) Premises and equipment, net $ 5,263 $ 5,278

Loans	12 Months Ended
Loans	Dec. 31, 2022
Loans [Abstract]
Loans	3. LOANS The following table is a summary of the distribution of loans held for investment by type (in thousands): At December 31, 2022 and 2021, the Company had $ 338.1 million and $ 185.1 million, respectively, of commercial real estate and residential mortgage loans pledged as collateral on lines of credit with the FHLB and the Federal Reserve Bank of Atlanta. At December 31, 2022 and 2021 the Company had no loans and one loan for $ 1.2 million, respectively, in the process of foreclosure. The Company was a participant of the Small Business Administration’s (“SBA”) Paycheck Protection Program (“PPP”) loans. These loans were designed to provide a direct incentive for small businesses to keep their workers on payroll and had to be used towards payroll cost, mortgage interest, rent, utilities and other costs related to COVID-19. These loans are forgivable under specific criteria as determined by the SBA. The Company had PPP loans of $ 1.3 million at December 31, 2022 and $ 42.4 million at December 31, 2021, which are categorized as commercial and industrial loans. These PPP loans had deferred loan fees of $ 13 thousand at December 31, 2022 and $ 1.5 million at December 31, 2021. The Company recognized $ 1.6 million and $ 4.5 million in PPP loan fees and interest income for the years ended December 31, 2022 and 2021, respectively, which is reported under loans, including fees within the Consolidated Statements of Operations. The Company segments the portfolio by pools grouping loans that share similar risk characteristics and employing collateral type and lien position to group loans according to risk. The Company determines historical loss rates for each loan pool based on its own loss experience. In estimating credit losses, the Company also considers qualitative and environmental factors that may cause estimated credit losses for the loan portfolio to differ from historical losses. Changes in the allowance for credit losses for the years ended December 31, 2022 and 2021 are as follows (in thousands): Allowance for credit losses and the outstanding balances in loans as of December 31, 2022 and 2021 are as follows (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 on relevant information which may include: current financial information on the borrower, historical payment experience, credit documentation and other current economic trends. Internal credit risk grades are evaluated periodically. The Company's internally assigned credit risk grades are as follows: Pass – Loans indicate different levels of satisfactory financial condition and performance. Special Mention – Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Substandard – Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligator or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful – Loans classified as doubtful have all the weaknesses inherent in those classified at substandard, with the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loss – Loans classified as loss are considered uncollectible. Loan credit exposures by internally assigned grades are presented below for the periods indicated (in thousands): Loan Aging The Company also considers the performance of loans in grading and in evaluating the credit quality of the loan portfolio. The Company analyzes credit quality and loan grades based on payment performance and the aging status of the loan. The following table include an aging analysis of accruing loans and total non-accruing loans as of December 31, 2022 and 2021 (in thousands): There was no interest income recognized attributable to nonaccrual loans outstanding at December 31, 2022 and 2021. Interest income on these loans for the years ended December 31, 2022 and 2021, would have been approximately $ 0 thousand and $ 5 thousand, respectively, had these loans performed in accordance with their original terms. There were no loans over 90 days past due and accruing as of December 31, 2022 and 2021. Impaired Loans The following table includes the unpaid principal balances for impaired loans with the associated allowance amount, if applicable, on the basis of impairment methodology for the dates indicated (in thousands): Net investment balance is the unpaid principal balance of the loan adjusted for the remaining net deferred loan fees. The following table presents the average recorded investment balance on impaired loans as of December 31, 2022 and 2021 (in thousands): Interest income recognized on impaired loans for the years ended December 31, 2022 and 2021 was $ 351 thousand and $ 415 thousand, respectively. Troubled Debt Restructuring A troubled debt restructuring (“TDR”) occurs when the Company has agreed to a loan modification in the form of a concession for a borrower who is experiencing financial difficulty. The following table presents performing and non-performing TDRs for the dates indicated (in thousands): The Company had allocated $ 294 thousand and $ 360 thousand of specific allowance for TDR loans at December 31, 2022 and 2021, respectively. Charge-offs on TDR loans for the years ended December 31, 2022 and 2021 was $ 0 thousand and $ 18 thousand, respectively. There was no commitment to lend additional funds to these TDR customers. The Company did no t have any new TDR loans, loan modifications, no r defaults for the years ended December 31, 2022 and December 31, 2021. During the year ended December 31, 2022 and 2021, the Company did no t modify any new loans to borrowers impacted by COVID-19. At December 31, 2022, there was no loan past due that was modified in 2021. December 31, 2022 December 31, 2021 Total Percent of Total Total Percent of Total Residential Real Estate $ 185,636 12.3 % $ 201,359 16.9 % Commercial Real Estate 970,410 64.4 % 704,988 59.2 % Commercial and Industrial 126,984 8.4 % 146,592 12.3 % Foreign Banks 93,769 6.2 % 59,491 5.0 % Consumer and Other 130,429 8.7 % 79,229 6.6 % Total gross loans 1,507,228 100.0 % 1,191,659 100.0 % Less: Unearned income (110) 1,578 Total loans net of unearned income 1,507,338 1,190,081 Less: Allowance for credit losses 17,487 15,057 Total net loans $ 1,489,851 $ 1,175,024 Residential Real Estate Commercial Real Estate Commercial and Industrial Foreign Banks Consumer and Other Total December 31, 2022: Beginning balance $ 2,498 $ 8,758 $ 2,775 $ 457 $ 569 $ 15,057 Provision for credit losses (1,179) 1,385 1,474 263 552 2,495 Recoveries 33 - 18 - 4 55 Charge-offs - - (104) - (16) (120) Ending Balance $ 1,352 $ 10,143 $ 4,163 $ 720 $ 1,109 $ 17,487 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 Residential Real Estate Commercial Real Estate Commercial and Industrial Foreign Banks Consumer and Other Total December 31, 2022: Allowance for credit losses: Individually evaluated for impairment $ 155 $ - $ 41 $ - $ 98 $ 294 Collectively evaluated for impairment 1,197 10,143 4,122 720 1,011 17,193 Balances, end of period $ 1,352 $ 10,143 $ 4,163 $ 720 $ 1,109 $ 17,487 Loans: Individually evaluated for impairment $ 7,206 $ 393 $ 82 $ - $ 196 $ 7,877 Collectively evaluated for impairment 178,430 970,017 126,902 93,769 130,233 1,499,351 Balances, end of period $ 185,636 $ 970,410 $ 126,984 $ 93,769 $ 130,429 $ 1,507,228 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 As of December 31, 2022 Pass Special Mention Substandard Doubtful Total Loans Residential real estate: Home equity line of credit ("HELOC") and other $ 623 $ - $ - $ - $ 623 1-4 family residential 132,178 - - - 132,178 Condo residential 52,835 - - - 52,835 185,636 - - - 185,636 Commercial real estate: Land and construction 38,687 - - - 38,687 Multi family residential 176,820 - - - 176,820 Condo commercial 49,601 - 393 - 49,994 Commercial property 702,357 - 2,552 - 704,909 Leasehold improvements - - - - - 967,465 - 2,945 - 970,410 Commercial and industrial: (1) Secured 120,873 - 807 - 121,680 Unsecured 5,304 - - - 5,304 126,177 - 807 - 126,984 Foreign banks 93,769 - - - 93,769 Consumer and other loans 130,233 - 196 - 130,429 Total $ 1,503,280 $ - $ 3,948 $ - $ 1,507,228 (1) All outstanding PPP loans were internally graded pass. 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) All outstanding PPP loans were internally graded pass. Accruing As of December 31, 2022: 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 $ 623 $ - $ - $ 623 $ - $ 623 1-4 family residential 131,120 1,058 - 132,178 - 132,178 Condo residential 50,310 2,525 - 52,835 - 52,835 182,053 3,583 - 185,636 - 185,636 Commercial real estate: Land and construction 38,687 - - 38,687 - 38,687 Multi family residential 176,820 - - 176,820 - 176,820 Condo commercial 49,994 - - 49,994 - 49,994 Commercial property 704,884 25 - 704,909 - 704,909 Leasehold improvements - - - - - - 970,385 25 - 970,410 - 970,410 Commercial and industrial: Secured 121,649 31 - 121,680 - 121,680 Unsecured 4,332 972 - 5,304 - 5,304 125,981 1,003 - 126,984 - 126,984 Foreign banks 93,769 - - 93,769 - 93,769 Consumer and other 130,169 260 - 130,429 - 130,429 Total $ 1,502,357 $ 4,871 $ - $ 1,507,228 $ - $ 1,507,228 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, 2022 December 31, 2021 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 $ 3,551 $ 3,544 $ - $ 5,021 $ 5,035 $ - Commercial real estate 393 393 - 696 695 - 3,944 3,937 - 5,717 5,730 - Impaired Loans with Specific Allowance: Residential real estate 3,655 3,626 155 3,985 3,950 178 Commercial and industrial 82 82 41 141 141 71 Consumer and other 196 196 98 224 224 111 3,933 3,904 294 4,350 4,315 360 Total $ 7,877 $ 7,841 $ 294 $ 10,067 $ 10,045 $ 360 2022 2021 Residential real estate $ 7,626 $ 8,791 Commercial real estate 575 714 Commercial and industrial 109 178 Consumer and other 210 254 Total $ 8,520 $ 9,937 December 31, 2022 December 31, 2021 Accrual Status Non-Accrual Status Total TDRs Accrual Status Non-Accrual Status Total TDRs Residential real estate $ 7,206 $ - $ 7,206 $ 7,815 $ - $ 7,815 Commercial real estate 393 - 393 696 - 696 Commercial and industrial 82 - 82 141 - 141 Consumer and other 196 - 196 224 - 224 Total $ 7,877 $ - $ 7,877 $ 8,876 $ - $ 8,876

Deposits (Schedule Of Maturities Of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits [Abstract]
2023	$ 182,647
2024	11,135
2025	1,998
2026	20,402
2027	549
Thereafter	246
Total deposits	$ 216,977	$ 225,220

Equity Based And Other Compensation Plans (Schedule Of Stock Options Activity) (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) $ / shares shares	Dec. 31, 2021 USD ($) $ / shares shares	Dec. 31, 2020 $ / shares shares
Equity Based And Other Compensation Plans [Abstract]
Stock Options, Balance at the beginning \| shares	959,667	339,667
Stock Options, Granted \| shares	15,000	620,000
Stock Options, Exercised \| shares	(9,000)
Stock Options, Balance at the ending \| shares	965,667	959,667	339,667
Stock Options, Exercisable \| shares	560,000	319,667
Weighted Average Exercise Price, Balance at the beginning \| $ / shares	$ 10.87	$ 9.37
Weighted Average Exercise Price, Granted \| $ / shares	14.03	11.69
Weighted Average Exercise Price, Exercised \| $ / shares	11.35
Weighted Average Exercise Price, Balance at the ending \| $ / shares	10.91	10.87	$ 9.37
Weighted Average Exercise Price, Exercisable \| $ / shares	$ 10.18	$ 9.07
Weighted Average Remaining Contractual Years	7 years 4 months 24 days	8 years 4 months 24 days	7 years 1 month 6 days
Weighted Average Remaining Contractual Years, Exercisable	6 years 4 months 24 days	6 years
Aggregate Intrinsic Value, Exercisable \| $	$ 1,131	$ 663
Common Class A [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stockholders' Equity Note, Stock Split, Conversion Ratio		0.2

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, 2022	Dec. 31, 2021
Basic EPS
Net income (loss) available to common shares before allocation	$ 20,141	$ (70,585)
Common Class A [Member]
Basic EPS
Net income (loss) available to common shares before allocation	$ 20,141	$ (70,585)
Multiply: % allocated on weighted average shares outstanding	100.00%	100.00%
Net Income (loss) available to common shares after allocation	$ 20,141	$ (70,585)
Weighted average shares outstanding	19,999,323	10,507,530
Earnings (loss) per share, basic	$ 1.01	$ (6.72)
Diluted EPS
Add: Dilutive effects of assumed exercises of stock options	177,515	0
Weighted avg. share including dilutive potential common shares	20,176,838	10,507,530
Earnings (loss) per share, diluted	$ 1.00	$ (6.72)
Anti-dilutive stock options excluded from diluted EPS calculation	15,000	183,303

Summary of Significant Accounting Policies (Policy)	12 Months Ended
Summary of Significant Accounting Policies (Policy)	Dec. 31, 2022
Summary of Significant Accounting Policies [Abstract]
Principles of Consolidation	Principles of Consolidation Intercompany transactions and balances are eliminated in consolidation. The Consolidated financial statements have been prepared in accordance with U.S. Generally Accepted Accounting Principles ("GAAP").
Initial Public Offering and Exchange and Redemption of Shares	Initial Public Offering and Exchange and Redemption of Shares On July 27, 2021, the Company completed an initial public offering (the “IPO”) and its Class A voting common shares began trading on the Nasdaq Stock Market under ticker symbol “USCB”. Following the IPO, the Company completed an exchange of then outstanding preferred shares for Class A common shares and thereafter redeemed the remaining outstanding preferred shares. In December 2021, the Company reached agreements with the Class B common shareholders to receive Class A voting common stock in exchange for all outstanding Class B non-voting common stock in a 1 for 5 stock exchange. As of December 31, 2022, there were no issued and outstanding preferred shares or Class B common shares. See Note 13 “Stockholders’ Equity” for further information about the IPO and the exchange and redemption of shares.
Risks and Uncertainties	Risk and Uncertainties Current Banking Environment Industry events transpiring prior to the Company’s filing date, including bank failures, have led to uncertainty and concerns regarding the liquidity positions of the banking sector. These failures underscore the importance of maintaining access to diverse sources of funding. The Company’s deposit base includes a combination of consumer, commercial, and public funds deposits. The Company’s largest depositors include a mixture of government-related organizations and commercial clients without a high level of industry concentration. In response to these events, the Treasury Department, Federal Reserve, and FDIC jointly announced the Bank Term Funding Program (BTFP) on March 12, 2023. This program aims to enhance liquidity by allowing institutions to pledge certain securities at the par value of the securities, and at a borrowing rate of ten basis points over the one-year overnight index swap rate. The BTFP is available to eligible U.S. federally insured depository institutions, with advances having a term of up to one year and no prepayment penalties. As of the date of the release of the Audited Consolidated Financial Statements, the Company has not accessed the BTFP. Market conditions and external factors may unpredictably impact the competitive landscape for deposits in the banking industry. Additionally, the rising interest rate environment has increased competition for liquidity and the premium at which liquidity is available to meet funding needs. The Company believes its sources of liquidity are sufficient to meet its needs on the balance sheet date. An unexpected influx of withdrawals of deposits could adversely impact the Company's ability to rely on organic deposits to primarily fund its operations, potentially requiring greater reliance on secondary sources of liquidity to meet withdrawal demands or to fund continuing operations. These sources may include proceeds from FHLB advances, sales of investment securities and loans, federal funds lines of credit from correspondent banks, and out-of-market time deposits. Such reliance on secondary funding sources could increase the Company's overall cost of funding and thereby reduce net income. While the Company believes its current sources of liquidity are adequate to fund operations, there is no guarantee they will suffice to meet future liquidity demands. This may necessitate slowing or discontinuing loan growth, capital expenditures, or other investments, or liquidating assets. For further discussion of the Company's liquidity practices, see page 59 and 62 of this Annual Report on Form 10-K. Use of Estimates In preparing the consolidated financial statements, management is required to make estimates and assumptions based on available information that affect the amounts reported in the financial statements and the disclosures provided. The coronavirus (“COVID-19”) pandemic has negatively affected many of the Company’s clients and could still impair their ability to fulfill their financial obligations. The Company’s business is dependent upon the willingness and ability of its associates and customers to conduct banking and other financial transactions. While we believe conditions have improved as of December 31, 2022, if there is a resurgence in the virus, the Company could experience further adverse effects on its business, financial condition, results of operations and cash flows. While it is not possible to know the full extent of the impact the COVID-19 pandemic will have on the Company's future operations, the Company continues to communicate with its associates and customers to understand their challenges, which allows us to respond to their needs and issues as they arise. While there was not a material impact to the Company’s Consolidated Financial Statements as of and for the year ended December 31, 2022, future increases in the allowance for credit losses (“ACL”) may be required because of the potential economic downturn that a resurgence in the virus may cause and those ACL increases can be material. It is difficult to quantify the impact that COVID-19 will have on the estimates and assumptions used to prepare the financial statements. Actual results could differ from those estimates. Cash and Cash Equivalents The Company considers investments with a maturity of 90 days or less from its original purchase date to be cash equivalents. For the Consolidated Statements of Cash Flows, cash and cash equivalents include cash on hand, amounts due from banks, and interest-bearing deposits in banks. Restricted Cash The Company may be required to maintain funds at other banks to satisfy a loan participation agreement. The Company reports restricted cash within cash and cash equivalents. Interest-Bearing Deposits in Other Financial Institutions Interest-bearing deposits in other financial institutions consist of Federal Reserve Bank, Federal Home Loan Bank and other accounts. Investment Securities Debt securities are recorded at fair value except for those securities which the Company has the positive intent and ability to hold to maturity. Management determines the appropriate classification of its securities at the time of purchase and accounts for them on a trade date basis. Debt securities that management has the positive intent and ability to hold to maturity are classified as "held-to-maturity" and recorded at amortized cost. Trading securities are recorded at fair value with changes in fair value included in earnings. Securities not classified as held-to-maturity or trading are classified as "available-for-sale" and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income (loss). Equity investments must be recorded at fair value with changes in fair value included in earnings.
Use of Estimates	Use of Estimates In preparing the consolidated financial statements, management is required to make estimates and assumptions based on available information that affect the amounts reported in the financial statements and the disclosures provided. The coronavirus (“COVID-19”) pandemic has negatively affected many of the Company’s clients and could still impair their ability to fulfill their financial obligations. The Company’s business is dependent upon the willingness and ability of its associates and customers to conduct banking and other financial transactions. While we believe conditions have improved as of December 31, 2022, if there is a resurgence in the virus, the Company could experience further adverse effects on its business, financial condition, results of operations and cash flows. While it is not possible to know the full extent of the impact the COVID-19 pandemic will have on the Company's future operations, the Company continues to communicate with its associates and customers to understand their challenges, which allows us to respond to their needs and issues as they arise. While there was not a material impact to the Company’s Consolidated Financial Statements as of and for the year ended December 31, 2022, future increases in the allowance for credit losses (“ACL”) may be required because of the potential economic downturn that a resurgence in the virus may cause and those ACL increases can be material. It is difficult to quantify the impact that COVID-19 will have on the estimates and assumptions used to prepare the financial statements. Actual results could differ from those estimates.
Cash And Cash Equivalents	Cash and Cash Equivalents The Company considers investments with a maturity of 90 days or less from its original purchase date to be cash equivalents. For the Consolidated Statements of Cash Flows, cash and cash equivalents include cash on hand, amounts due from banks, and interest-bearing deposits in banks.
Restricted Cash	Restricted Cash The Company may be required to maintain funds at other banks to satisfy a loan participation agreement. The Company 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 of Federal Reserve Bank, Federal Home Loan Bank and other accounts.
Investment Securities	Investment Securities Debt securities are recorded at fair value except for those securities which the Company has the positive intent and ability to hold to maturity. Management determines the appropriate classification of its securities at the time of purchase and accounts for them on a trade date basis. Debt securities that management has the positive intent and ability to hold to maturity are classified as "held-to-maturity" and recorded at amortized cost. Trading securities are recorded at fair value with changes in fair value included in earnings. Securities not classified as held-to-maturity or trading are classified as "available-for-sale" and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income (loss). Equity investments must be recorded at fair value with changes in fair value included in earnings. Purchase premiums and discounts are amortized or accreted over the estimated life of the related available-for-sale or held-to-maturity security as an adjustment to yield using the effective interest method. Prepayments of principal are considered in determining the estimated life of the security. Such amortization and accretion are included in interest income in the Consolidated Statements of Operations. Dividend and interest income are recognized when earned. Gains and losses on the sale of securities are recorded on trade date and are determined on a specific identification basis. Declines in the fair value of available-for-sale debt securities below their cost that are deemed to be other-than- temporary are reflected in earnings as realized losses. In determining whether other-than-temporary impairment exists, management considers several factors in their analysis including (i) severity and duration of the impairment, (ii) credit rating 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 security before recovery, (iv) whether there have been any payment defaults and (v) underlying guarantor of 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 own a certain amount of stock based on the level of borrowings and other factors and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted asset, and periodically evaluated for impairment based on ultimate recovery of par value. As of December 31, 2022 and 2021, FHLB stock amounted to $ 2.9 million and $ 2.1 million, respectively, with no impairment deemed necessary. Both 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 Losses Loans held for investment (“loans”) are reported at their outstanding principal balance net of charge-offs, deferred loan fees, unearned income and the ACL. Interest income is generally recognized when income is earned using the interest method. Loan origination and commitment fees and the costs associated with the origination of loans are deferred and amortized, using the interest method or the straight-line method, over the life of the related loan. If the principal or interest on a commercial loan becomes due and unpaid for 90 days or more, the loan is placed on non-accrual status as of the date it becomes 90 days past due and remains in non -accrual status until it meets the criteria for restoration to accrual status. Residential loans, on the other hand, are placed on non-accrual status when the principal or interest becomes due and unpaid for 120 days or more and remains in non-accrual status until it meets the criteria for restoration to accrual status. Restoring a loan to accrual status is possible when the borrower resumes payment of all principal and interest payments for a period of six months and the Company has a documented expectation of repayment of the remaining contractual principal and interest or the loan becomes secured and in the process of collection. All interest accrued but not collected for loans that are placed on nonaccrual status is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, under which cash collections are applied to unpaid principal, which may change as conditions dictate. The Company has determined that the entire balance of a loan is contractually delinquent for all classes if the minimum payment is not received by the specified due date on the borrower's statement. Interest and fees continue to accrue on past due loans until the date the loan goes into nonaccrual status. The Company provides for loan losses through a provision for credit losses charged to operations. When management believes that a loan or a portion of the loan balance is uncollectible, that amount is charged against the ACL. Subsequent recoveries, if any, are credited to the ACL. The ACL reflects management's judgment of probable loan losses inherent in the portfolio at the balance sheet date. Management uses a disciplined process and methodology to establish the ACL each quarter. To determine the total ACL, the Company estimates the reserves needed for each segment of the portfolio, including loans analyzed individually and loans analyzed on a pooled basis. The ACL consists of the amount applicable to the following segments: • Residential real estate • Commercial real estate • Commercial and industrial • Foreign banks • Other loans (secured and unsecured consumer loans) Residential real estate loans are underwritten following the policies of the Company which includes a review of the borrower’s credit, capacity and the collateral securing the loan. The borrower’s ability to repay involves an analysis of factors including: current income, employment status, monthly payment of loan, current debt obligations, monthly debt to income ratio and credit history. The Company relies on appraisals in determining the value of the property. Risk is mitigated by this analysis and the diversity of the residential portfolio. Commercial real estate loans are secured by liens on commercial properties, land, construction and multifamily housing. Underwriting of commercial loans will analyze the key market and business factors to arrive at a decision on the credit worthiness of the borrower. The analysis may include the capacity of the borrower, income generated by property for debt service, other sources of repayment, sensitivity analysis to fluctuations in market conditions including vacancy and rental rates in geographic location and loan to value. Land and construction analysis will include the time to develop, sell or lease the property. Appraisals are used to determine the value of the underlying collateral. Risk is mitigated as the properties securing the commercial real estate loans are diverse in type, location, and loan structure. Commercial and industrial loans are secured by the business assets of the company and may include equipment, inventory, and receivables. The loans are underwritten based on the income capacity of the business, the ability to service the debt based on operating cash flows, the credit worthiness of the borrower, other sources of repayment and collateral. The Company mitigates the risk in the commercial portfolio through industry diversification. Foreign Banks loans are short term loans with international correspondent banking institutions primarily domiciled in Latin America. Most of these loans are for trade capital and have a life of less than one year. The Company’s credit review includes a credit analysis, peer comparison and current country risk overview. Annual re-evaluation of the risk rating of the borrower and country and a review of authorized signer within the Company. The risk is mitigated as these loans are short term, have limited exposure, and are geographically dispersed. Other loans are secured and unsecured consumer loans including personal loans, overdrafts and deposit account collateralized loans. Repayment of these loans are primarily from the personal income of the borrowers. Loans are underwritten based on the credit worthiness of the borrower. The risk on these loans is mitigated by small loan balances. In determining the balance of the ACL, loans are pooled by product segments with similar risk characteristics and management evaluates the ACL on each segment and as a whole to maintain the allowance at an adequate level based on factors which, in management's judgment, deserve current recognition in estimating credit losses. Such factors include changes in prevailing economic conditions, historical loss experience, delinquency trends, changes in the composition and size of the loan portfolio and the overall credit worthiness of the borrowers. The ACL consists of general and specific components. The following is how management determines the balance of the general component for the ACL account for each segment of the loans as described above. The loan segments are primarily grouped by collateral type with similar risk characteristics and a historical loss rate is determined based on a ten year look back period. The Company applies time weights to consider various stages of a credit cycle. The ACL calculation is based on the Company’s own net loss experience adjusted for certain qualitative and environmental factors. To estimate the impact of non-recurrent losses, management has developed a statistical study that tracks historical non-recurring losses at a loan level. This analysis is used to estimate an adjusted loss rate for each loan pool. Management believes the effect of these losses results in a loss rate that is more consistent with the behavior of the loan portfolio in the normal course of business. Qualitative factors are applied to historical loss rates based on management's experience and assessment. The following are the factors used to adjust the historical loss rates: • Loan quality review • Lending and credit management /staff expertise and practices • Economic and business conditions • Lending and credit underwriting policies and procedures • Problem loan levels and trends • Collateral concentrations • Large obligor concentration • New loan volumes • Combined loan to value (“CLTV”) qualitative adjustment for substandard accrual loan segment Changes in these factors could result in material adjustments to the ACL. The losses the Company may ultimately incur could differ materially from the amounts estimated in arriving at the ACL. In addition to the ACL, the Company also estimates probable losses related to financial instruments with off-balance sheet risk, such as letters of credit and unfunded loan commitments, and records these estimates in other liabilities on the Consolidated Balance Sheets with the offset recorded in non-interest expense on the Consolidated Statements of Operations. Financial instruments with off-balance sheet risk are subject to review on an aggregate basis. Past loss experience and any other pertinent information is reviewed, resulting in the estimation of the reserve for financial instruments with off-balance sheet risk. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement or when the loan is designated as a Troubled Debt Restructuring (“TDR”). Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Impairment is measured on a loan by loan basis by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable fair value, or the fair value of the collateral, if the loan is collateral dependent. If management determines that the value of the impaired loan is less than the recorded 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 estimate or a charge-off to the ACL. In situations where, due to a borrower's financial difficulties, management grants a concession for other than an insignificant period of time to the borrower that would not otherwise be granted, the loan is classified as a TDR. On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) was signed by the President of the United States. The CARES Act has certain provisions which encourage financial institutions to prudently work with borrowers impacted by COVID -19. Under these provisions, modifications deemed to be COVID -19 related would not be considered a TDR if the loan was not more than 30 days past due as of December 31, 2019. The deferral would need to be executed March 1, 2020 and the earlier of 60 days after the date of termination of the COVID-19 national emergency or December 31, 2020. Additional legislation was passed in December of 2020 that extended the TDR relief to January 1, 2022. Banking regulators issued similar guidance clarifying that a COVID-19 related modification should not be considered a TDR if the borrower was current on payments at the time the underlying loan modification program was implemented and considered short-term. See Note 3 “Loans” for additional disclosures of loans that were modified and not considered TDR. In addition to the allowance for the pooled portfolios, management has developed a separate allowance for loans that are identified as impaired through a TDR. These loans are excluded from the general component of the ACL, and a separate reserve is provided under the accounting guidance for loan impairment. Residential loans whose terms have been modified in a TDR are also individually analyzed for estimated impairment. The Company's charge-off policy is to review all impaired loans on a quarterly basis in order to monitor the Company's ability to collect them in full at maturity date and/or in accordance with terms of any restructurings. For loans which are collateral dependent, or deemed to be uncollectible, any shortfall in the fair value of the collateral relative to the recorded investment in the loan is charged off.
Concentration of Credit Risks	Concentration of Credit Risks Credit risk represents the accounting loss that would be recognized at the reporting date if counterparties failed to perform as contracted and any collateral or security proved to be insufficient to cover the loss. Concentrations of credit risk (whether on or off-balance sheet) arising from financial instruments exist in relation to certain groups of customers. A group concentration arises when a number of counterparties have similar economic characteristics that would cause their ability 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 or counterparty. Most of the Company's business activity is with customers located within its primary market area, which is generally the 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 loan customers are engaged in real estate development. Circumstances, which negatively impact the South Florida real estate industry or the South Florida economy, in general, could adversely impact the Company's loan portfolio. At December 31, 2022 and 2021, the Company had a concentration of risk with loans outstanding to the Company’s top ten lending relationships totaling $ 197.9 million and $ 156.4 million, respectively. At December 31, 2022 and 2021, this concentration represented 13.1 %, of the net loans outstanding. For the period ended December 31, 2022 there was one commercial real estate loan note with an outstanding balance of $ 20 million collateralized by a 1 st lien commercial property located in New York State. At December 31, 2022, the Company also had a concentration of risk with loans outstanding totaling $ 88.8 million to foreign banks located in Ecuador, Dominican Republic, Honduras, and El Salvador. At December 31, 2021, the Company also had a concentration of risk with loans outstanding totaling $ 47.9 million to foreign banks located in Ecuador, Honduras, and El Salvador. These banks maintained deposits with right of offset totaling $ 31.4 million and $ 28.9 million at December 31, 2022 and 2021, respectively. At various times during the year, the Company has maintained deposits with other financial institutions. The exposure to the Company from these transactions is solely dependent upon daily balances and the financial strength of the respective institution.
Premises and Equipment, net	Premises and Equipment, net Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed on the straight-line method over the estimated useful life of the asset. Leasehold improvements are amortized over the remaining term of the applicable leases or their useful lives, whichever is shorter. Estimated useful lives of these assets were as follows: Building 40 years Furniture, fixtures and equipment 3 to 25 years Computer hardware and software 3 to 5 years Leasehold improvements Shorter of life or term of lease Maintenance and repairs are charged to expense as incurred while improvements and betterments are capitalized. When items are retired or are otherwise disposed of, the related costs and accumulated depreciation and amortization are removed from the accounts and any resulting gains or losses are credited or charged to income.
Other Real Estate Owned	Other Real Estate Owned Other real estate owned (“OREO”) consists of real estate property acquired through, or in lieu of, foreclosure that are held for sale and are initially recorded at the fair value of the property less estimated selling costs at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the 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 Operations. Carrying costs are charged to other real estate owned expenses in the accompanying Consolidated Statements of Operation. Gains or losses on sale of OREO are recognized when consideration has been exchanged, all closing conditions have been met and permanent financing has been arranged.
Bank Owned Life Insurance	Bank Owned Life Insurance Bank owned life insurance (“BOLI”) is carried at the amount that could be realized under the contract at the balance sheet date, which is typically cash surrender value. Changes in cash surrender value are recorded in non-interest income. At December 31, 2022, the Company maintained BOLI policies with five insurance carriers with a combined cash surrender value of $ 42.8 million. These policies cover certain present and former executives and officers, the Company is the beneficiary of these policies.
Employee 401(k) Plan	Employee 401(k) Plan The Company has an employee 401(k) plan covering substantially all eligible employees. Employee 401(k) plan expense is the amount of matching contributions.
Income Taxes	Income Taxes Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Management is required to assess whether a valuation allowance should be established on the net deferred tax asset based on the consideration of all available evidence using a more likely than not standard. In its evaluation, Management considers taxable loss carry-back availability, expectation of sufficient taxable income, trends in earnings, the future reversal of temporary differences, and available tax planning strategies. The Company recognizes positions taken or expected to be taken in a tax return in accordance with existing accounting guidance on income taxes which prescribes a recognition threshold and measurement process. Interest and penalties on tax liabilities, if any, would be recorded in interest expense and other operating noninterest expense, respectively.
Impairment of Long-Lived Assets	Impairment of Long-Lived Assets The Company's long-lived assets, such as premises and equipment, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to estimated undiscounted future cash flows expected to be generated by the asset. If the carrying amount of an asset exceeds its estimated future cash flows, an impairment charge is recognized by the amount by which the carrying amount of the asset exceeds the fair value of the asset. Assets to be disposed of would be separately presented in the Consolidated Balance Sheets and reported at the lower of the carrying amount or fair value less costs to sell and are no longer depreciated. The assets and liabilities of a disposal group classified as held for sale would be presented separately in the appropriate asset and liability sections of the Consolidated Balance Sheets.
Transfers of Financial Assets	Transfer of Financial Assets Transfers of financial assets are accounted for as sales, when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (i) the assets have been isolated from the Company - put presumptively beyond the reach of the transferor and its creditors, even in bankruptcy or other receivership, (ii) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (iii) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity or the ability to unilaterally cause the holder to return specific assets.
Comprehensive Income (Loss)	Comprehensive Income (Loss) Under GAAP, certain changes in assets and liabilities, such as unrealized holding gains and losses on securities available-for-sale, are excluded from current period earnings and reported as a separate component of the stockholders’ equity section of the Consolidated Balance Sheets, such items, along with net income (loss), are components of comprehensive income (loss). Additionally, any unrealized gains or losses on transfers of investment securities from available-for-sale to held-to-maturity are recorded to accumulated other comprehensive income on the date of transfer and amortized over the remaining life of each security. The amortization of the unrealized gain or loss on transferred securities is reported as a component of comprehensive income (loss). See Note 2 “Investment Securities” for further discussion.
Advertising Costs	Advertising Costs Advertising costs are expensed as incurred.
Earnings per Common Share	Earnings per Common Share Basic earnings per common share is net income available to common stockholders divided by the weighted average number of common shares outstanding during the period. Diluted earnings per common share included the effect of 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 discussion on stock splits.
Interest Income	Interest Income Interest income is recognized as earned, based upon the principal amount outstanding, on an accrual basis.
Operating Segments	Operating Segments While the Company monitors the revenue streams of the various products and services, operations are managed and financial performance is evaluated on a Company wide basis. Operating results of the individual products are not used to make resource allocations or performance decisions by Company management.
Stock-Based Compensation	Stock-Based Compensation Stock based compensation accounting guidance requires that the compensation cost relating to share-based payment transactions be recognized in the accompanying Consolidated Financial Statements. That cost will be measured based on the grant date fair value of the equity or liability instruments issued. The stock-based compensation accounting guidance covers a wide range of share-based compensation arrangements including stock options, restricted share plans, performance-based awards, share appreciation rights, and employee share purchase plans. The stock-based compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over the employees' service period, generally defined as the vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. A Black- Scholes model is used to estimate the fair value of stock options.
Loss Contingencies	Loss Contingencies Loss contingencies, including claims and legal actions arising in the normal course of business, are recorded as liabilities when the likelihood of loss is probable, and an amount or range of loss can be reasonably estimated. In the opinion 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. See Note 18 “Loss Contingencies” for further details.
Dividend Restrictions	Dividend Restrictions Banking regulations require maintaining certain capital levels and may limit the dividends paid by the Bank to the Company or by the Company to the shareholders.
Fair Value Measurements	Fair Value Measurements Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 12 “Fair Value Measurements”. Fair value estimates involve uncertainties and matters of significant judgment. Changes in assumptions or in market conditions could significantly affect the estimates.
Derivatives Instruments	Derivative Instruments Derivative financial instruments are carried at fair value and reflect the estimated amount that would have been received to terminate these contracts at the reporting date based upon pricing or valuation models applied to current market information. The Company enters into interest rate swaps to provide commercial loan clients the ability to swap from a variable interest rate to a fixed rate. The Company enter into a floating-rate loan with a customer with a separately issued swap agreement allowing the customer to convert floating payments of the loan into a fixed interest rate. To mitigate risk, the Company will enter into a matching agreement with a third party to offset the exposure on the customer agreement. These swaps are not considered to be qualified hedging transactions and the unmatched unrealized gain or loss is recorded in other non-interest income.
Revenue From Contract With Customers	Revenue from Contracts with Customers Revenue from contracts with customers is recognized in an amount that reflects the consideration the Company expects to receive for the services the Company provides to its customers. The main revenue earned by the Company from loans and investment securities are excluded from the accounting standard update “Revenue from Contracts with Customers”. Deposit and service charge fees, consisting of primarily monthly maintenance fees, wire fees, ATM interchange fees and other transaction-based fees, are the most significant types of revenue within the accounting standard update. Revenue is recognized when the service provided by the Company is complete. The aggregate amount of revenue within the scope of this standard that is received from sources other than deposit service charges and fees is not material.
Cash Flow Statement	Cash Flow Statement The Company reports the net activity rather than gross activity in the Consolidated Statements of Cash Flows. The net cash flows are reported for loans held for investment, accrued interest receivable, deferred tax asset, other assets, customer deposits, accrued interest payable, other liabilities, and proceeds from issuance of Class A common shares.
Reclassifications	Reclassifications Certain amounts in the Consolidated Financial Statements have been reclassified to conform to the current presentation. Reclassifications had no impact on the net income or stockholders’ equity of the Company.
Recently Issued Accounting Standards - Not Yet Adopted	Recently Issued Accounting Standards – Not Yet Adopted Measurement of Credit Losses on Financial Instruments In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326); Measurement of Credit Losses on Financial Instruments. This accounting standard update (“ASU” or “Update”) on accounting for current expected credit losses on financial instruments (“CECL”) will replace the current probable incurred loss impairment methodology under U.S. GAAP with a methodology that reflects the expected credit losses. The Update is intended to provide financial statement users with more decision-useful information about expected credit losses. This Update is applicable to the Company on a modified retrospective basis for interim and annual periods in fiscal years beginning after December 15, 2022. The Company adopted this ASU on January 1, 2023. To date, the Company executed a detailed implementation plan through the adoption date, implemented a software solution to assist with the CECL estimation process, and has completed parallel run models, and finished a data gap analysis. The company expects its allowance for credit losses to increase in 2023 approximately $ 1.0 million to $ 2.0 million upon adoption of ASU 2016-13 compared to its allowance for loan losses at December 31, 2022. Reserve on unfunded commitments will also increase approximately $ 200 thousand to $ 600 thousand and it will be recognized as a liability on the Consolidated Balance Sheet. The Company reviewed it’s held-to-maturity debt securities and the allowance was deemed immaterial. The Company will initially apply the impact of the new guidance through a cumulative-effect adjustment to retained earnings as of January 1, 2023. Future adjustments to credit loss expectations will be recorded through the income statement as charges or credits to earnings. The disclosed estimates are subject to further refinement upon finalization of the Company’s review of the calculations, assumptions, methodologies and judgments. Internal controls over financial reporting relating to these new processes have been designed and implemented and are being evaluated. The Company is in the final stages of completing the formal governance and approval process. The ongoing impact to the Company’s results of operations in future periods will be influenced by the loan portfolio composition and by macroeconomic conditions and forecasts at each reporting date. Adoption of the standard on the first quarter of 2023 is expected to result in higher volatility in the quarterly provision for credit losses when compared to the Company’s historical results under the incurred loss model. Troubled Debt Restructurings and Vintage Disclosures In March 2022, the FASB issued ASU 2022-02, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. This accounting standard eliminates the accounting guidance for troubled debt restructurings by creditors in ASC 310-40, and it enhances disclosure requirements for some loan refinancings and restructurings involving borrowers experiencing financial difficulty. Specifically, rather than applying the troubled debt restructuring recognition and measurement guidance, creditors will evaluate all loan modifications to determine if they result in a new loan or a continuation of the existing loan. Losses associated with troubled debt restructurings should be incorporated in a creditor’s estimate of its allowance for credit losses. Additionally, public business entities are required to disclose current-period gross write-offs by year of origination for loan financing receivables and net investment in leases. Reference Rate Reform In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting. In January 2021, the FASB clarified the scope of this guidance with ASU 2021-01 which provides optional guidance for a limited period of time to ease the burden in accounting for (or recognizing the effects of) reference rate reform on financial reporting. This ASU is effective March 12, 2020 through December 31, 2024. The Company is evaluating the impact of this ASU and has not yet determined whether LIBOR transition and this ASU will have material effects on our business operations and consolidated financial statements.

Loans (Tables)	12 Months Ended
Loans (Tables)	Dec. 31, 2022
Loans [Abstract]
Summary of Loans Held for Investment	December 31, 2022 December 31, 2021 Total Percent of Total Total Percent of Total Residential Real Estate $ 185,636 12.3 % $ 201,359 16.9 % Commercial Real Estate 970,410 64.4 % 704,988 59.2 % Commercial and Industrial 126,984 8.4 % 146,592 12.3 % Foreign Banks 93,769 6.2 % 59,491 5.0 % Consumer and Other 130,429 8.7 % 79,229 6.6 % Total gross loans 1,507,228 100.0 % 1,191,659 100.0 % Less: Unearned income (110) 1,578 Total loans net of unearned income 1,507,338 1,190,081 Less: Allowance for credit losses 17,487 15,057 Total net loans $ 1,489,851 $ 1,175,024
Allowance for Credit Losses	Residential Real Estate Commercial Real Estate Commercial and Industrial Foreign Banks Consumer and Other Total December 31, 2022: Beginning balance $ 2,498 $ 8,758 $ 2,775 $ 457 $ 569 $ 15,057 Provision for credit losses (1,179) 1,385 1,474 263 552 2,495 Recoveries 33 - 18 - 4 55 Charge-offs - - (104) - (16) (120) Ending Balance $ 1,352 $ 10,143 $ 4,163 $ 720 $ 1,109 $ 17,487 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 Residential Real Estate Commercial Real Estate Commercial and Industrial Foreign Banks Consumer and Other Total December 31, 2022: Allowance for credit losses: Individually evaluated for impairment $ 155 $ - $ 41 $ - $ 98 $ 294 Collectively evaluated for impairment 1,197 10,143 4,122 720 1,011 17,193 Balances, end of period $ 1,352 $ 10,143 $ 4,163 $ 720 $ 1,109 $ 17,487 Loans: Individually evaluated for impairment $ 7,206 $ 393 $ 82 $ - $ 196 $ 7,877 Collectively evaluated for impairment 178,430 970,017 126,902 93,769 130,233 1,499,351 Balances, end of period $ 185,636 $ 970,410 $ 126,984 $ 93,769 $ 130,429 $ 1,507,228 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
Loan Credit Exposures	As of December 31, 2022 Pass Special Mention Substandard Doubtful Total Loans Residential real estate: Home equity line of credit ("HELOC") and other $ 623 $ - $ - $ - $ 623 1-4 family residential 132,178 - - - 132,178 Condo residential 52,835 - - - 52,835 185,636 - - - 185,636 Commercial real estate: Land and construction 38,687 - - - 38,687 Multi family residential 176,820 - - - 176,820 Condo commercial 49,601 - 393 - 49,994 Commercial property 702,357 - 2,552 - 704,909 Leasehold improvements - - - - - 967,465 - 2,945 - 970,410 Commercial and industrial: (1) Secured 120,873 - 807 - 121,680 Unsecured 5,304 - - - 5,304 126,177 - 807 - 126,984 Foreign banks 93,769 - - - 93,769 Consumer and other loans 130,233 - 196 - 130,429 Total $ 1,503,280 $ - $ 3,948 $ - $ 1,507,228 (1) All outstanding PPP loans were internally graded pass. 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) All outstanding PPP loans were internally graded pass.
Aging Analysis of Accruing and Total Non-Accruing Loans	Accruing As of December 31, 2022: 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 $ 623 $ - $ - $ 623 $ - $ 623 1-4 family residential 131,120 1,058 - 132,178 - 132,178 Condo residential 50,310 2,525 - 52,835 - 52,835 182,053 3,583 - 185,636 - 185,636 Commercial real estate: Land and construction 38,687 - - 38,687 - 38,687 Multi family residential 176,820 - - 176,820 - 176,820 Condo commercial 49,994 - - 49,994 - 49,994 Commercial property 704,884 25 - 704,909 - 704,909 Leasehold improvements - - - - - - 970,385 25 - 970,410 - 970,410 Commercial and industrial: Secured 121,649 31 - 121,680 - 121,680 Unsecured 4,332 972 - 5,304 - 5,304 125,981 1,003 - 126,984 - 126,984 Foreign banks 93,769 - - 93,769 - 93,769 Consumer and other 130,169 260 - 130,429 - 130,429 Total $ 1,502,357 $ 4,871 $ - $ 1,507,228 $ - $ 1,507,228 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
Impaired Loans	December 31, 2022 December 31, 2021 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 $ 3,551 $ 3,544 $ - $ 5,021 $ 5,035 $ - Commercial real estate 393 393 - 696 695 - 3,944 3,937 - 5,717 5,730 - Impaired Loans with Specific Allowance: Residential real estate 3,655 3,626 155 3,985 3,950 178 Commercial and industrial 82 82 41 141 141 71 Consumer and other 196 196 98 224 224 111 3,933 3,904 294 4,350 4,315 360 Total $ 7,877 $ 7,841 $ 294 $ 10,067 $ 10,045 $ 360 2022 2021 Residential real estate $ 7,626 $ 8,791 Commercial real estate 575 714 Commercial and industrial 109 178 Consumer and other 210 254 Total $ 8,520 $ 9,937
Performing and Non-Performing Troubled Debt Restructurings	December 31, 2022 December 31, 2021 Accrual Status Non-Accrual Status Total TDRs Accrual Status Non-Accrual Status Total TDRs Residential real estate $ 7,206 $ - $ 7,206 $ 7,815 $ - $ 7,815 Commercial real estate 393 - 393 696 - 696 Commercial and industrial 82 - 82 141 - 141 Consumer and other 196 - 196 224 - 224 Total $ 7,877 $ - $ 7,877 $ 8,876 $ - $ 8,876

Off-Balance Sheet Arrangements	12 Months Ended
Off-Balance Sheet Arrangements	Dec. 31, 2022
Off-Balance Sheet Arrangements [Abstract]
Off-Balance Sheet Arrangements	10. OFF-BALANCE SHEET ARRANGEMENTS 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 needs of its customers and to reduce its own exposure to fluctuations in interest rates. These financial instruments include unfunded commitments under lines of credit, commitments to extend credit, standby and commercial letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the Company’s Consolidated Balance Sheets. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instruments for unused lines of credit, and standby letters of credit is represented by the contractual amount of these commitments. A summary of the amounts of the Company's financial instruments with off-balance sheet risk are shown below at December 31, 2022 and 2021 (in thousands): 2022 2021 Commitments to grant loans and unfunded lines of credit $ 95,461 $ 134,877 Standby and commercial letters of credit 4,320 6,420 Total $ 99,781 $ 141,297 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses. Unfunded lines of credit and revolving credit lines are commitments for possible future extensions of credit to existing customers. These lines of credit are uncollateralized and usually do not contain a specified maturity date and ultimately may not be drawn upon to the total extent to which the Company is committed. Standby and commercial letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those letters of credit are primarily issued to support public and private borrowing 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 to the Company.

Fair Value Measurements (Schedule Of Assets Measured At Fair Value On Recurring And Nonrecurring Basis) (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale, at fair value	$ 230,140,000	$ 401,542,000
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	230,140,000	401,542,000
Derivative assets	5,011,000	1,434,000
Total assets at fair value	235,151,000	402,976,000
Derivative liabilities	5,011,000	1,434,000
Total liabilities at fair value	5,011,000	1,434,000
U.S. Treasury [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	8,655,000	10,520,000
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	95,541,000	156,829,000
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	60,879,000	118,842,000
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	27,954,000	50,117,000
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	18,483,000	24,276,000
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	14,919,000	28,408,000
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	3,709,000	12,550,000
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	3,639,000	3,990,000
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	230,140,000	401,542,000
Derivative assets	5,011,000	1,434,000
Total assets at fair value	235,151,000	402,976,000
Derivative liabilities	5,011,000	1,434,000
Total liabilities at fair value	5,011,000	1,434,000
Level 2 [Member] \| U.S. Treasury [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	8,655,000	10,520,000
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	95,541,000	156,829,000
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	60,879,000	118,842,000
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	27,954,000	50,117,000
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	18,483,000	24,276,000
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	14,919,000	28,408,000
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	3,709,000	12,550,000
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	3,639,000	3,990,000
Total liabilities at fair value	$ 0	$ 0

Regulatory Matters (Schedule Of Actual Capital Amounts And Ratios) (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Compliance With Regulatory Capital Requirements Under Banking Regulations [Line Items]
Total risk-based capital, Actual, Amount	$ 216,693	$ 186,735
Total risk-based capital, Actual, Ratio	0.1358	0.1492
Total risk-based capital, Minimum Capital Requirement, Amount	$ 127,616	$ 100,125
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	$ 159,520	$ 125,157
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	$ 198,909	$ 171,484
Tier 1 risk-based capital, Actual, Ratio	0.1247	0.1370
Tier 1 risk-based capital, Minimum Capital Requirement, Amount	$ 95,712	$ 75,094
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	$ 127,616	$ 100,125
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	$ 198,909	$ 171,484
Common equity tier 1 capital, Actual, Ratio	0.1247	0.1370
Common equity tier 1 capital, Minimum Capital Requirement, Amount	$ 71,784	$ 56,321
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	$ 103,688	$ 81,352
Common equity tier 1 capital, To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.0650	0.0650
Leverage ratio, Actual, Amount	$ 198,909	$ 171,484
Leverage ratio, Actual, Ratio	0.0956	0.0955
Leverage ratio, Minimum Capital Requirement, Amount	$ 83,210	$ 71,825
Leverage ratio, Minimum Capital Requirement, Ratio	0.0400	0.0400
Leverage ratio, To be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 104,012	$ 89,781
Leverage ratio, To be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	0.0500	0.0500

Fair Value Measurements (Narrative) (Details) - USD ($)	12 Months Ended
Fair Value Measurements (Narrative) (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans carrying amount	$ 1,489,851,000	$ 1,175,024,000
Impaired loan impairment charge	120,000	261,000
Fair Value, Nonrecurring [Member] \| Impaired Loans [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans carrying amount	3,900,000	4,400,000
Impaired loans fair value	3,639,000	3,990,000
Impaired loan impairment charge	294,000	360,000
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	3,639,000	3,990,000
Financial liabilities measured at fair value	$ 0	$ 0

Investment Securities (Tables)	12 Months Ended
Investment Securities (Tables)	Dec. 31, 2022
Investments Securities [Abstract]
Schedule of Available-for-sale Securities and Held-to-maturity Securities Reconciliation	December 31, 2022 Available-for-sale: Amortized Cost Unrealized Gains Unrealized Losses Fair Value U.S. Government Agency $ 10,177 $ - $ (1,522) $ 8,655 Collateralized mortgage obligations 118,951 - (23,410) 95,541 Mortgage-backed securities - Residential 73,838 - (12,959) 60,879 Mortgage-backed securities - Commercial 32,244 15 (4,305) 27,954 Municipal securities 25,084 - (6,601) 18,483 Bank subordinated debt securities 15,964 5 (1,050) 14,919 Corporate bonds 4,037 - (328) 3,709 $ 280,295 $ 20 $ (50,175) $ 230,140 Held-to-maturity: U.S. Government Agency $ 44,914 $ 25 $ (5,877) $ 39,062 U.S. Treasury 9,841 - (13) 9,828 Collateralized mortgage obligations 68,727 28 (7,830) 60,925 Mortgage-backed securities - Residential 42,685 372 (4,574) 38,483 Mortgage-backed securities - Commercial 11,442 - (665) 10,777 Corporate bonds 11,090 - (1,077) 10,013 $ 188,699 $ 425 $ (20,036) $ 169,088 December 31, 2021 Available-for-sale: Amortized Cost Unrealized Gains Unrealized Losses Fair Value U.S. Government Agency $ 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 $ 34,505 $ 14 $ (615) $ 33,904 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
Schedule of Realized Gains and Losses	Available-for-sale: 2022 2021 Proceeds from sales and call of securities $ 60,649 $ 51,974 Gross Gains $ 217 $ 545 Gross Losses (2,746) (331) Net realized gains (losses) $ (2,529) $ 214
Amortized Cost and Fair Value of Investment Securities by Contractual Maturity Date	Available-for-sale Held-to-maturity December 31, 2022: Amortized Cost Fair Value Amortized Cost Fair Value Due within one year $ - $ - $ 1,515 $ 1,475 Due after one year through five years 4,037 3,709 9,575 8,539 Due after five years through ten years 16,964 15,722 - - Due after ten years 24,084 17,680 - - U.S. Government Agency 10,177 8,655 44,914 39,061 U.S. Treasury - - 9,841 9,828 Collateralized mortgage obligations 118,951 95,541 68,727 60,925 Mortgage-backed securities - Residential 73,838 60,879 42,685 38,483 Mortgage-backed securities - Commercial 32,244 27,954 11,442 10,777 $ 280,295 $ 230,140 $ 188,699 $ 169,088
Debt Securities Available For Sale Unrealized Loss Position Fair Value [Table Text Block]	December 31, 2022 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 $ 11,407 (1,093) 36,310 (7,616) $ 47,717 $ (8,709) U.S. Treasury 9,828 (13) - - 9,828 $ (13) Collateralized mortgage obligations 16,500 (963) 139,965 (34,962) 156,465 $ (35,925) Mortgage-backed securities - Residential 5,059 (564) 91,742 (19,348) 96,801 $ (19,912) Mortgage-backed securities - Commercial 10,052 (1,173) 26,823 (5,300) 36,875 $ (6,473) Municipal securities - - 18,483 (6,601) 18,483 $ (6,601) Bank subordinated debt securities 11,295 (670) 2,619 (381) 13,914 $ (1,051) Corporate bonds 13,723 (926) - - 13,723 $ (926) $ 77,864 $ (5,402) $ 315,942 $ (74,208) $ 393,806 $ (79,610) 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 $ 25,951 $ (254) $ 15,477 $ (516) $ 41,428 $ (770) 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)

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Consolidated Statements of Comprehensive Income (Loss) [Abstract]
Net income	$ 20,141	$ 21,077
Other comprehensive income (loss):
Unrealized loss on investment securities	(59,260)	(9,561)
Amortization of net unrealized gains on securities transferred from available-for-sale to held-to-maturity	120	108
Reclassification adjustment for (gain) loss included in net income	2,529	(214)
Tax effect	14,376	2,370
Total other comprehensive loss, net of tax	(42,235)	(7,297)
Total comprehensive income (loss)	$ (22,094)	$ 13,780

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

Borrowings (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Borrowings [Abstract]
Borrowed funds, fixed rate advances from FHLB	$ 46,000	$ 36,000

Premises And Equipment (Summary Of Premises And Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 26,791	$ 26,118
Accumulated depreciation and amortization	(21,528)	(20,840)
Premises and equipment, net	5,263	5,278
Land [Member]
Property Plant And Equipment [Line Items]
Premises and equipment, gross	972	972
Building [Member]
Property Plant And Equipment [Line Items]
Premises and equipment, gross	1,952	1,947
Furniture, Fixtures And Equipment [Member]
Property Plant And Equipment [Line Items]
Premises and equipment, gross	8,841	8,726
Computer Hardware And Software [Member]
Property Plant And Equipment [Line Items]
Premises and equipment, gross	4,575	4,552
Leasehold Improvements [Member]
Property Plant And Equipment [Line Items]
Premises and equipment, gross	$ 10,451	$ 9,921

Investment Securities (Amortized Cost and Fair Value of Investment Securities by Contractual Maturity Date) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Available-for-sale, Amortized Cost:
Due within one year
Due after one year through five years	4,037
Due after five years through ten years	16,964
Due after ten years	24,084
Amortized Cost	280,295	$ 405,853
Available-for-sale, Fair Value:
Due within one year
Due after one year through five years	3,709
Due after five years through ten years	15,722
Due after ten years	17,680
Fair Value	230,140	401,542
Held-to-maturity, Amortized Cost:
Due within one year	1,515
Due after one year through five years	9,575
Amortized Cost	188,699	122,658
Held-to-maturity, Fair Value:
Due within one year	1,475
Due after one year through five years	8,539
Fair Value	169,088	120,157
U.S. Government Agency [Member]
Available-for-sale, Amortized Cost:
Without single maturity date	10,177
Amortized Cost	10,177	10,564
Available-for-sale, Fair Value:
Without single maturity date	8,655
Fair Value	8,655	10,520
Held-to-maturity, Amortized Cost:
Without single maturity date	44,914
Held-to-maturity, Fair Value:
Without single maturity date	39,061
Fair Value	39,062	33,904
U.S. Treasury [Member]
Held-to-maturity, Amortized Cost:
Without single maturity date	9,841
Held-to-maturity, Fair Value:
Without single maturity date	9,828
Fair Value	9,828
Collateralized Mortgage Obligations [Member]
Available-for-sale, Amortized Cost:
Without single maturity date	118,951
Amortized Cost	118,951	160,506
Available-for-sale, Fair Value:
Without single maturity date	95,541
Fair Value	95,541	156,829
Held-to-maturity, Amortized Cost:
Without single maturity date	68,727
Held-to-maturity, Fair Value:
Without single maturity date	60,925
Fair Value	60,925	43,799
Mortgage-Backed Securities - Residential [Member]
Available-for-sale, Amortized Cost:
Without single maturity date	73,838
Amortized Cost	73,838	120,643
Available-for-sale, Fair Value:
Without single maturity date	60,879
Fair Value	60,879	118,842
Held-to-maturity, Amortized Cost:
Without single maturity date	42,685
Held-to-maturity, Fair Value:
Without single maturity date	38,483
Fair Value	38,483	26,352
Mortgage-Backed Securities - Commercial [Member]
Available-for-sale, Amortized Cost:
Without single maturity date	32,244
Amortized Cost	32,244	49,905
Available-for-sale, Fair Value:
Without single maturity date	27,954
Fair Value	27,954	50,117
Held-to-maturity, Amortized Cost:
Without single maturity date	11,442
Held-to-maturity, Fair Value:
Without single maturity date	10,777
Fair Value	$ 10,777	$ 3,013

Earnings Per Share (Tables)	12 Months Ended
Earnings Per Share (Tables)	Dec. 31, 2022
Earnings Per Share [Abstract]
Calculation Of Net Income (Loss) Available To Common Stockholders Before Being Allocable Between Class A And Class B Common Shares	2022 2021 Net Income $ 20,141 $ 21,077 Less: Preferred stock dividends - 2,077 Less: Exchange and redemption of preferred shares - 89,585 Net income (loss) available to common stockholders $ 20,141 $ (70,585)
Calculation Of Basic And Diluted Earnings (Loss) Per Common Share Class	2022 2021 Class A Class A Basic EPS Numerator: Net income (loss) available to common shares before allocation $ 20,141 $ (70,585) Multiply: % allocated on weighted avg. shares outstanding 100.0% 100.0% Net income (loss) available to common shares after allocation $ 20,141 $ (70,585) Denominator: Weighted average shares outstanding 19,999,323 10,507,530 Earnings (loss) per share, basic $ 1.01 $ (6.72) Diluted EPS Numerator: Net income (loss) available to common shares before allocation $ 20,141 $ (70,585) Multiply: % allocated on weighted avg. shares outstanding 100.0% 100.0% Net income (loss) available to common shares after allocation $ 20,141 $ (70,585) Denominator: Weighted average shares outstanding for basic EPS 19,999,323 10,507,530 Add: Dilutive effects of assumed exercises of stock options 177,515 - Weighted avg. shares including dilutive potential common shares 20,176,838 10,507,530 Earnings (loss) per share, diluted $ 1.00 $ (6.72) Anti-dilutive stock options excluded from diluted EPS 15,000 183,303

Derivatives (Summary of Interest Rate Swaps) (Details) - Interest Rate Swap [Member] - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Derivatives Fair Value [Line Items]
Notional Amount	$ 33,900	$ 39,200
Not Designated as Hedging Instrument [Member] \| Customer Loans [Member]
Derivatives Fair Value [Line Items]
Notional Amount	33,893	39,156
Collateral Amount	1,278	1,260
Asset	$ 5,011	$ 1,434
Derivative Asset Statement Of Financial Position Extensible Enumeration	Other Assets	Other Assets
Liability	$ 5,011	$ 1,434
Derivative Liability Statement Of Financial Position Extensible Enumeration	Accrued Interest And Other Liabilities	Accrued Interest And Other Liabilities

Income Taxes (Tables)	12 Months Ended
Income Taxes (Tables)	Dec. 31, 2022
Income Taxes [Abstract]
Components of Income Tax Expense	2022 2021 Current: Federal $ - $ - State - $ - Total current - $ - Deferred: Federal 5,462 $ 5,314 State 1,482 $ 1,286 Total deferred 6,944 $ 6,600 Total tax expense $ 6,944 $ 6,600
Statutory Tax Expense	2022 2021 Federal taxes at statutory rate $ 5,688 $ 5,812 State income taxes, net of federal tax benefit 1,177 $ 969 Bank owned life insurance (269) $ (186) Other, net 348 $ 5 Total tax expense $ 6,944 $ 6,600
Provision for Income Taxes	2022 2021 Deferred tax assets: Net operating loss $ 21,720 $ 28,819 Allowance for credit losses 4,432 3,816 Lease liability 3,648 3,595 Unrealized loss on available for sale securities 15,193 817 Deferred loan fees - 400 Depreciable property 158 361 Stock option compensation 373 241 Accruals 723 600 Other, net - 2 Deferred tax asset $ 46,247 $ 38,651 Deferred tax liability: Deferred loan cost (28) - Lease right of use asset (3,648) (3,595) Deferred expenses (175) (127) Other, net (36) - Deferred tax liability $ (3,887) $ (3,722) Net deferred tax asset $ 42,360 $ 34,929

Parent Company Condensed Financial Information	12 Months Ended
Parent Company Condensed Financial Information	Dec. 31, 2022
Parent Company Condensed Financial Information [Abstract]
Parent Company Condensed Financial Information	17. PARENT COMPANY CONDENSED FINANCIAL INFORMATION In December 2021, USCB Financial Holdings, Inc. was formed as the parent bank holding company of U.S. Century Bank. The condensed balance sheet is presented below for USCB Financial Holdings, Inc. at the dates indicated (in thousands): December 31, 2022 December 31, 2021 ASSETS: Cash and Cash Equivalents $ 1,102 $ - Investment in bank subsidiary 181,326 203,897 Other assets - - Total assets $ 182,428 $ 203,897 LIABILITIES AND STOCKHOLDERS' EQUITY: Other liabilities $ - $ - Stockholders' equity 182,428 203,897 Total liabilities and stockholders' equity $ 182,428 $ 203,897 December 31, 2022 December 31, 2021 INCOME: Dividends from subsidiaries $ 1,000 $ - Service fees from subsidiaries - - Total $ 1,000 $ - EXPENSE: Employee compensation and benefits - - Total - - Income before income taxes and undistributed subsidiary income 1,000 Provision (benefit) for income taxes - - Equity in undisbursed subsidiary income 19,141 Net Income $ 20,141 $ - December 31, 2022 December 31, 2021 Cash flows from operating activities: Net income $ 20,141 $ - Adjustments to reconcile net income to net cash provided by operating activities: - Equity in undistributed earnings of subsidiaries (19,141) - Other - Net cash provided by operating activities $ 1,000 $ - Cash flows from investing activities: Capital contributions to subsidiary - - Other - - Net cash used in investing activities - - Cash flows from financing activities: Dividends paid - - Proceeds from exercise of stock options 102 - Repurchase of common stock - - Net cash (used in) provided by financing activities 102 - Net increase (decrease) in cash and cash equivalents 1,102 - Cash and cash equivalents, beginning of period - - Cash and cash equivalents, end of period $ 1,102 $ - The condensed income statement is presented below for USCB Financial Holdings, Inc. at the dates indicated (in thousands): The condensed cash flow is presented below for USCB Financial Holdings, Inc. at the dates indicated (in thousands):

Investment Securities (Schedule of Realized Gains and Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Investments Securities [Abstract]
Proceeds from sales and call of securities	$ 60,649	$ 51,974
Gross Gains	217	545
Gross Losses	(2,746)	(331)
Net realized gains (losses)	$ (2,529)	$ 214

Borrowings (Schedule Of Fixed Interest Rates And Expected Maturities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Debt Instrument [Line Items]
Amount	$ 46,000	$ 36,000
FHLB, Fixed Rate 0.81% [Member]
Debt Instrument [Line Items]
Interest Rate	0.81%	0.81%
Maturity Date	Aug. 17, 2023	Aug. 17, 2023
Amount	$ 5,000	$ 5,000
FHLB, Fixed Rate 1.04% [Member]
Debt Instrument [Line Items]
Interest Rate	1.04%	1.04%
Maturity Date	Jul. 30, 2024	Jul. 30, 2024
Amount	$ 5,000	$ 5,000
FHLB, Fixed Rate 2.05% [Member]
Debt Instrument [Line Items]
Interest Rate	2.05%	2.05%
Maturity Date	Mar. 27, 2025	Mar. 27, 2025
Amount	$ 10,000	$ 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%	1.07%
Maturity Date	Jul. 18, 2025	Jul. 18, 2025
Amount	$ 6,000	$ 6,000
FHLB, Fixed Rate 4.17% [Member]
Debt Instrument [Line Items]
Interest Rate	4.17%
Maturity Date	Jan. 13, 2023
Amount	$ 20,000

Loans (Performing and Non-Performing Troubled Debt Restructurings) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	$ 7,877	$ 8,876
Residential Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	7,206	7,815
Commercial Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	393	696
Commercial and Industrial [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	82	141
Consumer and Other [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	196	224
Performing Financing Receivable [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	7,877	8,876
Performing Financing Receivable [Member] \| Residential Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	7,206	7,815
Performing Financing Receivable [Member] \| Commercial Real Estate [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	393	696
Performing Financing Receivable [Member] \| Commercial and Industrial [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	82	141
Performing Financing Receivable [Member] \| Consumer and Other [Member]
Financing Receivable, Troubled Debt Restructuring [Line Items]
Total TDRs	$ 196	$ 224

Loans (Allowance for Credit Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	$ 15,057	$ 15,086
Provision for credit losses	2,495	(160)
Recoveries	55	392
Charge-offs	(120)	(261)
Ending balance	17,487	15,057
Allowance for Credit Losses:
Individually evaluated for impairment	294	360
Collectively evaluated for impairment	17,193	14,697
Balances, end of period	17,487	15,057
Loans:
Individually evaluated for impairment	7,877	10,067
Collectively evaluated for impairment	1,499,351	1,181,592
Balances, end of period	1,507,228	1,191,659
Residential Real Estate [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	2,498	3,408
Provision for credit losses	(1,179)	(919)
Recoveries	33	238
Charge-offs		(229)
Ending balance	1,352	2,498
Allowance for Credit Losses:
Individually evaluated for impairment	155	178
Collectively evaluated for impairment	1,197	2,320
Balances, end of period	1,352	2,498
Loans:
Individually evaluated for impairment	7,206	9,006
Collectively evaluated for impairment	178,430	192,353
Balances, end of period	185,636	201,359
Commercial Real Estate [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	8,758	9,453
Provision for credit losses	1,385	(695)
Ending balance	10,143	8,758
Allowance for Credit Losses:
Collectively evaluated for impairment	10,143	8,758
Balances, end of period	10,143	8,758
Loans:
Individually evaluated for impairment	393	696
Collectively evaluated for impairment	970,017	704,292
Balances, end of period	970,410	704,988
Commercial and Industrial [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	2,775	1,689
Provision for credit losses	1,474	955
Recoveries	18	149
Charge-offs	(104)	(18)
Ending balance	4,163	2,775
Allowance for Credit Losses:
Individually evaluated for impairment	41	71
Collectively evaluated for impairment	4,122	2,704
Balances, end of period	4,163	2,775
Loans:
Individually evaluated for impairment	82	141
Collectively evaluated for impairment	126,902	146,451
Balances, end of period	126,984	146,592
Foreign Banks [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	457	348
Provision for credit losses	263	109
Ending balance	720	457
Allowance for Credit Losses:
Collectively evaluated for impairment	720	457
Balances, end of period	720	457
Loans:
Collectively evaluated for impairment	93,769	59,491
Balances, end of period	93,769	59,491
Consumer and Other [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Beginning balance	569	188
Provision for credit losses	552	390
Recoveries	4	5
Charge-offs	(16)	(14)
Ending balance	1,109	569
Allowance for Credit Losses:
Individually evaluated for impairment	98	111
Collectively evaluated for impairment	1,011	458
Balances, end of period	1,109	569
Loans:
Individually evaluated for impairment	196	224
Collectively evaluated for impairment	130,233	79,005
Balances, end of period	$ 130,429	$ 79,229

Equity Based And Other Compensation Plans (Narrative) (Details)	1 Months Ended		12 Months Ended
	Dec. 31, 2021 USD ($) Item shares	Jul. 31, 2020 shares	Dec. 31, 2022 USD ($) Item $ / shares shares	Dec. 31, 2021 USD ($) Item $ / shares shares	Dec. 31, 2015 shares
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Contributions to the 401(k) plan \| $			$ 313,000	$ 296,000
Number of equity compensation plans not approved by shareholders \| Item	0		0	0
Restricted Stock [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Awards outstanding \| shares	0		0	0
2015 Option Plan [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Number of shares authorized \| shares	1,000,000			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		1,386,667	1,401,667
Compensation expense \| $			$ 523,000	$ 287,000
Tax benefit from compensation expense \| $			0	0
Unrecognized compensation cost \| $	$ 1,300,000		$ 787,000	$ 1,300,000
Weighted average fair value of options granted \| $ / shares			$ 3.45	$ 2.32
Common Class A [Member]
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]
Stockholders' Equity Note, Stock Split, Conversion Ratio				0.2

Related Party Transactions (Tables)	12 Months Ended
Related Party Transactions (Tables)	Dec. 31, 2022
Related Party Transactions [Abstract]
Schedule Of Loans To And Deposits From Related Parties	2022 2021 Consolidated Balance Sheets: Loans held for investment, net $ - $ - Deposits $ 6,825 $ 1,905 Consolidated Statements of Operations: Interest income $ - $ - Interest expense $ 54 $ 16

Regulatory Matters (Tables)	12 Months Ended
Regulatory Matters (Tables)	Dec. 31, 2022
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, 2022: Total risk-based capital: $ 216,693 13.58 % $ 127,616 8.00 % $ 159,520 10.00 % Tier 1 risk-based capital: $ 198,909 12.47 % $ 95,712 6.00 % $ 127,616 8.00 % Common equity tier 1 capital: $ 198,909 12.47 % $ 71,784 4.50 % $ 103,688 6.50 % Leverage ratio: 198,909 9.56 % $ 83,210 4.00 % $ 104,012 5.00 % December 31, 2021: (1) Total risk-based capital $ 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 %

Parent Company Condensed Financial Information (Schedule Of Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Condensed Balance Sheet Statements Captions [Line Items]
Cash and Cash Equivalents	$ 54,168	$ 46,228
Other assets	7,749	4,300
Total assets	2,085,834	1,853,939
Stockholders' equity	182,428	203,897	$ 171,001
Total liabilities and stockholders' equity	2,085,834	1,853,939
Parent Company [Member]
Condensed Balance Sheet Statements Captions [Line Items]
Cash and Cash Equivalents	1,102
Investment in bank subsidiary	181,326	203,897
Other assets
Total assets	182,428	203,897
Other liabilities
Stockholders' equity	182,428	203,897
Total liabilities and stockholders' equity	$ 182,428	$ 203,897

- Definition

Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.

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- Definition

Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.

+ References + Details

- Definition

Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.

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+ Details

Parent Company Condensed Financial Information (Schedule Of Income Statement) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
EXPENSES:
Employee compensation and benefits	$ 23,943	$ 21,438
Net income before income tax expense	27,085	27,677
Provision (benefit) for income taxes	6,944	6,600
Net income	20,141	21,077
Parent Company [Member]
INCOME:
Dividends from subsidiaries	1,000
Service fees from subsidiaries
Total	1,000
EXPENSES:
Employee compensation and benefits
Total
Net income before income tax expense	1,000
Provision (benefit) for income taxes
Equity in undisbursed subsidiary income	19,141
Net income	$ 20,141