Document and Entity Information - USD ($)	12 Months Ended
Document and Entity Information - USD ($)	Dec. 31, 2018	Mar. 15, 2019	Jun. 30, 2018
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2018
Document Fiscal Year Focus	2018
Document Fiscal Period Focus	FY
Entity Registrant Name	Capital Bancorp Inc
Entity Central Index Key	0001419536
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Trading Symbol	cbnk
Entity Emerging Growth Company	true
Entity Small Business	true
Entity Ex Transition Period	true
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		13,711,365
Entity Public Float			$ 0
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Assets
Cash and due from banks	$ 10,431	$ 8,189
Interest bearing deposits at other financial institutions	22,007	40,356
Federal funds sold	2,285	3,766
Total cash and cash equivalents	34,723	52,311
Investment securities available for sale	46,932	54,029
Restricted investments	2,503	2,369
Loans held for sale	18,526	26,344
Loans receivable, net of allowance for loan losses of $11,308 and $10,033 at December 31, 2018 and 2017, respectively	988,960	877,387
Premises and equipment, net	2,975	2,601
Accrued interest receivable	4,462	3,867
Deferred income taxes	3,654	3,381
Foreclosed real estate	142	93
Prepaid income taxes	90	1,532
Other assets	2,091	2,095
Total assets	1,105,058	1,026,009
Deposits
Noninterest bearing, including related party balances of $11,214 and $18,316 for the periods ended December 31, 2018 and 2017, respectively	242,259	196,635
Interest bearing, including related party balances of $144,624 and $159,656 for the periods ended December 31, 2018 and 2017, respectively	712,981	708,264
Total deposits	955,240	904,899
Securities sold under agreements to repurchase	3,332	11,260
Federal funds purchased	2,000	0
Federal Home Loan Bank advances	2,000	2,000
Other borrowed funds	15,393	17,361
Accrued interest payable	1,565	1,084
Other liabilities	10,964	9,286
Total liabilities	990,494	945,890
Stockholders' equity
Preferred stock, $.01 par value; 1,000,000 shares authorized; no shares issued or outstanding at December 31, 2018 and 2017	0	0
Common stock, $.01 par value; 49,000,000 shares authorized; 13,672,479 and 11,537,196 issued and outstanding at December 31, 2018 and 2017, respectively	137	115
Additional paid-in capital	49,321	27,051
Retained earnings	65,701	53,200
Accumulated other comprehensive loss	(595)	(247)
Total stockholders' equity	114,564	80,119
Total liabilities and stockholders' equity	$ 1,105,058	$ 1,026,009

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Statement of Financial Position [Abstract]
Allowance for loan losses	$ 11,308	$ 10,033
Noninterest bearing deposits, related party	11,214	18,316
Interest bearing deposits, related party	$ 144,624	$ 159,656
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	49,000,000	49,000,000
Common stock, shares issued (in shares)	13,672,479	11,537,196
Common stock, shares outstanding (in shares)	13,672,479	11,537,196

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Interest income
Loans, including fees	$ 67,229	$ 54,996
Investment securities available for sale	1,041	1,068
Federal funds sold and other	857	602
Total interest income	69,127	56,666
Interest expense
Deposits, including $1,727 and $1,172 paid to related parties for the years ended December 31, 2018 and 2017, respectively	9,792	6,434
Borrowed funds	1,447	1,321
Total interest expense	11,239	7,755
Net interest income	57,888	48,911
Provision for loan losses	2,140	2,655
Net interest income after provision for loan losses	55,748	46,256
Noninterest income
Loss on sale of investment securities available for sale	(2)	0
Loss on sale of foreclosed real estate	(21)	(52)
Loss on disposal of premises and equipment	(276)	(77)
Other fees and charges	414	427
Total noninterest income	16,124	15,149
Noninterest expenses
Salaries and employee benefits	25,164	23,819
Occupancy and equipment	4,319	3,829
Professional fees	2,124	1,874
Data processing	14,184	9,621
Advertising	1,460	1,922
Loan processing	1,077	1,409
Other real estate expenses, net	28	32
Other operating	5,767	4,800
Total noninterest expenses	54,123	47,306
Income before income taxes	17,749	14,099
Income tax expense	4,982	6,990
Net income	$ 12,767	$ 7,109
Basic earnings per share (in dollars per share)	$ 1.05	$ 0.63
Diluted earnings per share (in dollars per share)	$ 1.02	$ 0.62
Weighted average common shares outstanding:
Basic (in shares)	12,116,459	11,261,132
Diluted (in shares)	12,462,138	11,428,000
Service charges on deposits
Noninterest income
Noninterest income	$ 484	$ 460
Credit card fees
Noninterest income
Noninterest income	6,048	4,014
Mortgage banking revenue
Noninterest income
Noninterest income	$ 9,477	$ 10,377

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Statement of Comprehensive Income [Abstract]
Net income	$ 12,767	$ 7,109
Other comprehensive income (loss)
Unrealized gain (loss) on investment securities available for sale	(479)	(302)
Reclassification of realized loss on sale of investments securities available for sale	2	0
Unrealized gain on cash flow hedging derivative	(1)	13
Other comprehensive income (loss)	(478)	(289)
Income tax (expense) benefit relating to the items above	130	114
Other comprehensive income (loss)	(348)	(175)
Total comprehensive income	$ 12,419	$ 6,934

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Loss	Initial public offering, common stock issued, net of costs and underwriting discount of $3.2 million	Initial public offering, common stock issued, net of costs and underwriting discount of $3.2 million Common Stock	Initial public offering, common stock issued, net of costs and underwriting discount of $3.2 million Additional Paid-in Capital
Beginning balance (in shares) at Dec. 31, 2016		11,144,696
Beginning balance at Dec. 31, 2016	$ 70,747	$ 111	$ 24,617	$ 46,050	$ (31)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	7,109			7,109
Unrealized loss on investment securities available for sale, net of income taxes	(183)				(183)
Unrealized gain on cash flow hedging derivative, net of income taxes	8				8
Reclassification of other comprehensive loss due to tax rate change	$ 0			41	(41)
Stock options exercised, including tax benefit (in shares)	358,332	358,332
Stock options exercised, including tax benefit	$ 1,668	$ 4	1,664
Shares issued as compensation (in shares)		102,660
Shares issued as compensation	776	$ 1	775
Stock-based compensation	506		506
Shares repurchased and retired (in shares)		(68,492)
Shares repurchased and retired	$ (512)	$ (1)	(511)
Ending balance (in shares) at Dec. 31, 2017	11,537,196	11,537,196
Ending balance at Dec. 31, 2017	$ 80,119	$ 115	27,051	53,200	(247)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	12,767			12,767
Unrealized loss on investment securities available for sale, net of income taxes	(346)				(346)
Unrealized gain on cash flow hedging derivative, net of income taxes	$ (2)				(2)
Stock options exercised, including tax benefit (in shares)	230,894	230,894
Stock options exercised, including tax benefit	$ 1,043	$ 2	1,307	(266)
Shares issued as compensation (in shares)		59,579
Shares issued as compensation	496	$ 1	495
Stock-based compensation	570		570
Shares sold (in shares)		16,000					1,834,310
Shares sold	198	$ 0	198			$ 19,764	$ 19	$ 19,745
Shares repurchased and retired (in shares)		(5,500)
Shares repurchased and retired	$ (45)	$ 0	(45)
Ending balance (in shares) at Dec. 31, 2018	13,672,479	13,672,479
Ending balance at Dec. 31, 2018	$ 114,564	$ 137	$ 49,321	$ 65,701	$ (595)

Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
Consolidated Statements of Cash Flows - USD ($)	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities
Net income	$ 12,767,000	$ 7,109,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	2,140,000	2,655,000
Provision for mortgage put-back reserve	106,000	115,000
Provision for off balance sheet reserves	152,000	100,000
Net amortization on investments	225,000	261,000
Depreciation	1,085,000	983,000
Stock-based compensation expense	570,000	506,000
Director and employee compensation paid in Company stock	496,000	776,000
Deferred income tax benefit	(141,000)	(239,000)
Amortization of debt issuance expense	32,000	34,000
Loss on sale of securities available for sale	2,000	0
Losses on sales of foreclosed real estate	21,000	52,000
Losses on disposal of premises and equipment	276,000	77,000
Mortgage banking revenue	(9,477,000)	(10,377,000)
Sales of loans held for sale	354,417,000	452,337,000
Originations of loans held for sale	(337,122,000)	(418,912,000)
Changes in assets and liabilities:
Accrued interest receivable	(595,000)	(654,000)
Prepaid income taxes and taxes payable	1,529,000	(393,000)
Other assets	4,000	913,000
Accrued interest payable	481,000	307,000
Other liabilities	1,334,000	(836,000)
Net cash provided by operating activities	28,302,000	34,814,000
Cash flows from investing activities
Purchases of securities available for sale	0	(12,810,000)
Proceeds from maturities, calls and principal paydowns of securities available for sale	6,044,000	6,203,000
Proceeds from sale of securities available for sale	345,000	0
Purchases of restricted investments	(134,000)	(76,000)
Increase in loans receivable	(114,140,000)	(126,290,000)
Net purchases of premises and equipment	(1,735,000)	(1,422,000)
Proceeds from sales of foreclosed real estate	357,000	1,026,000
Net cash used by investing activities	(109,263,000)	(133,369,000)
Net increase (decrease) in:
Noninterest bearing deposits	45,624,000	40,430,000
Interest bearing deposits	4,717,000	73,545,000
Securities sold under agreements to repurchase	(7,928,000)	1,601,000
Federal Home Loan Bank advances, net	0	(4,000,000)
Federal funds purchased	2,000,000	0
Other borrowed funds	(2,000,000)	0
Repurchase of common stock	(45,000)	(512,000)
Proceeds from exercise of stock options	1,043,000	1,668,000
Proceeds from shares sold	198,000	0
Proceeds from initial public offering, net	19,764,000	0
Net cash provided by financing activities	63,373,000	112,732,000
Net increase in cash and cash equivalents	(17,588,000)	14,177,000
Cash and cash equivalents, beginning of year	52,311,000	38,134,000
Cash and cash equivalents, end of year	34,723,000	52,311,000
Noncash investing and financing activities:
Loans transferred to foreclosed real estate	427,000	1,081,000
Change in unrealized gains on investments	(480,000)	(302,000)
Change in fair value of loans held for sale	4,000	225,000
Change in fair value of cash flow hedging derivative	(2,000)	13,000
Change in corporate tax rate	0	(1,386,000)
Cash paid during the period for:
Taxes	2,655,000	7,993,000
Interest	$ 10,758,000	$ 7,448,000

Nature of Business and Basis of Presentation

12 Months Ended

Dec. 31, 2018

Accounting Policies [Abstract]

Nature of Business and Basis of Presentation

Capital Bancorp, Inc. and Subsidiaries

Notes to Consolidated Financial Statements

December 31, 2018 and 2017

Note 1 - Nature of Business and Basis of Presentation

Nature of operations:

Capital Bancorp, Inc., is a Maryland corporation and bank holding company (the “Company”) for Capital Bank, N.A. (the “Bank”). The Company's primary operations are conducted by the Bank, which operates branches in Rockville, Columbia and North Bethesda, Maryland, Reston, Virginia, and the District of Columbia. The Bank is principally engaged in the business of investing in commercial, real estate, and credit card loans and attracting deposits. We conduct mortgage business through Church Street Mortgage, our residential mortgage banking arm; and credit card business through OpenSky®, a secured, digitally-driven nationwide credit card platform.

The Bank also originates residential mortgages for sale in the secondary market. The Company formed Church Street Capital, LLC (“Church Street Capital”) in 2014 to provide short-term secured real estate financing to Washington, D.C. area investors and developers that may not meet all Bank credit criteria.

In addition, the Company owns all of the stock of Capital Bancorp (MD) Statutory Trust I (the “Trust”). The Trust is a special purpose non-consolidated entity organized for the sole purpose of issuing trust preferred securities.

The Company completed its initial public offering (“IPO”) of 2,563,046 shares of its common stock at a price to the public of $12.50 per share, 1,834,310 shares of which were sold by the Company and 728,736 shares of which were sold by certain of the Company’s shareholders (the “selling shareholders”). The net proceeds to the Company from the IPO were $19.8 million after deducting the underwriting discount and offering expenses of $3.2 million. The Company did not receive any proceeds from the sales of shares by the selling shareholders.

Basis of presentation:

The accompanying consolidated financial statements include the activity of the Company and its wholly-owned subsidiaries, the Bank and Church Street Capital. All intercompany transactions have been eliminated in consolidation. The Company reports its activities as a single business segment. In determining the appropriateness of segment definition, the Company considers components of the business about which financial information is available and regularly evaluated relative to resource allocation and performance assessment. The accompanying consolidated financial statements have been prepared in accordance with accounting principals generally accepted in the United States of America (“GAAP”), and conform to general practices within the banking industry.

On August 15, 2018, the Company completed a four-for-one stock split of the Company's authorized, issued, and outstanding common stock, par value $.01 per share (the “Stock Split”). At the effective time of the Stock Split, each share of the Company's issued and outstanding common stock was automatically increased to four shares issued and outstanding. No fractional shares were issued in connection with the Stock Split. All share and share-related information presented in these consolidated financial statements have been retroactively adjusted to reflect the increased number of shares resulting from the Stock Split.

Significant Accounting Policies:

The preparation of consolidated financial statements in accordance with GAAP requires estimates and judgments that affect the reported amounts of assets, liabilities, revenues and expenses and related disclosures of contingent assets and liabilities. The basis of the estimates is on historical experience and on various other assumptions that are believed to be reasonable under current circumstances, results of which form the basis for making judgments about the carrying value of certain assets and liabilities that are not readily available from other sources. Estimates are evaluated on an ongoing basis. Actual results may differ from these estimates under different assumptions or conditions.

Cash and cash equivalents

For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest bearing deposits with banks and federal funds sold. Generally, federal funds are sold for one-day periods.

Investment securities

Investment securities are classified as available for sale and carried at fair value with unrealized gains and losses included in stockholders’ equity on an after-tax basis. Premiums and discounts on investment securities are amortized or accreted using the interest method. Changes in the fair value of debt securities available for sale are included in stockholder’s equity as unrealized gains and losses, net of the related tax effect. Unrealized losses are periodically reviewed to determine whether the loss represents an other than temporary impairment. Any unrealized losses judged to be other than a temporary impairment will be charged to income.

Loans held for sale

Mortgage loans originated and intended for sale are recorded at fair value, determined individually, as of the balance sheet date. Fair value is determined based on outstanding investor commitments, or in the absence of such commitments, based on current investor yield requirements. Gains and losses on loan sales are determined by the specific-identification method. The Company’s current practice is to sell residential mortgage loans on a servicing released basis, and, therefore, it has no intangible asset recorded for the value of such servicing. Interest on loans held for sale is credited to income based on the principal amounts outstanding.

Upon sale and delivery, loans are legally isolated from the Company and the Company has no ability to restrict or constrain the ability of third‑party investors to pledge or exchange the mortgage loans. The Company does not have the entitlement or ability to repurchase the mortgage loans or unilaterally cause third‑party investors to put the mortgage loans back to the Company. Unrealized and realized gains on loan sales are determined using the specific-identification method and are recognized through mortgage banking activity in the Consolidated Statements of Income.

The Company elected to measure loans held for sale at fair value to better align reported results with the underlying economic changes in value of the loans on the Company’s balance sheet.

Loans and the Allowance for Loan Losses

Loans are stated at the principal amount outstanding, adjusted for deferred origination fees, deferred origination costs, discounts on loans acquired, and the allowance for loan losses. Interest is accrued based on the loan principal balances and stated interest rates. Origination fees and costs are recognized as an adjustment to the related loan yield using approximate interest methods. The Company discontinues the accrual of interest when any portion of the principal and interest is 90 days past due and collateral is insufficient to discharge the debt in full. Generally, interest payments on nonaccrual loans are recorded as a reduction of the principal balance.

Loans are considered impaired when, based on current information, management believes the Company will not collect all principal and interest payments according to contractual terms. Generally, loans are reviewed for impairment when the risk grade for a loan is downgraded to a classified asset category. The loans are evaluated for appropriate classification, accrual, impairment, and troubled debt restructure status. If collection of principal is evaluated as doubtful, all payments are applied to principal. A modification of a loan is considered a TDR when a borrower is experiencing financial difficulty and the modification constitutes a concession. The Company may consider interest rate reductions, changes to payment terms, extensions of maturities and/or principal reductions.

Loans are generally charged-off in part or in full when management determines the loan to be uncollectible. Factors for charge-off that may be considered include: repayments deemed to be projected beyond reasonable time frames, client bankruptcy and lack of assets, and/or collateral deficiencies.

The allowance for loan losses is estimated to adequately provide for probable future losses on existing loans. The allowance consists of specific and general components. For loans that are classified as impaired, an allowance is established when the collateral value, if the loan is collateral dependent, or the discounted cash flows of the impaired loan is lower than the carrying value of that loan. The general component covers pools of nonclassified loans and is based on historical loss experience adjusted for qualitative factors. There may be an unallocated component of the allowance, which reflects the margin of imprecision inherent in the underlying assumptions used in the method for estimating specific and general losses in the portfolio. Actual loan performance may differ from those estimates. A loss is recognized as a charge to the allowance when management believes that collection of the loan is unlikely. Collections of loans previously charged off are added to the allowance at the time of recovery.

We determine the allowance for loan losses based on the accumulation of various components that are calculated independently in accordance with ASC 450 for pools of loans, ASC 310 for Troubled Debt Restructuring, and ASC 310 for individually evaluated loans. The process for determining an appropriate allowance for loan losses is based on a comprehensive, well-documented, and consistently applied analysis of the loan portfolio. The analysis considers all significant factors that affect the collectibility of the portfolio and supports the credit losses estimated by this process. It is important to recognize that the related process, methodology, and underlying assumptions require a substantial degree of judgment.

Premises and equipment

Premises and equipment are stated at cost less accumulated depreciation and amortization over two to seven years. Depreciation and amortization are computed using the straight-line method over the estimated useful lives of the related property. Leasehold improvements are amortized over the estimated useful lives of the improvements, approximately ten years, or the term of the lease, whichever is less. Expenditures for maintenance, repairs, and minor replacements are charged to noninterest expenses as incurred.

Derivative Financial Instruments

The Company enters into commitments to fund residential mortgage loans (interest rate locks) with the intention of selling them in the secondary market. The Company also enters into forward sales agreements for certain funded loans and loan commitments. The Company records unfunded commitments intended for loans held for sale and forward sales agreements at fair value with changes in fair value recorded as a component of mortgage banking revenue. Loans originated and intended for sale in the secondary market are carried at fair value. For pipeline loans which are not pre-sold to an investor, the Company manages the interest rate risk on rate lock commitments by entering into forward sale contracts, whereby the Company obtains the right to deliver securities to investors in the future at a specified price. Such contracts are accounted for as derivatives and are recorded at fair value as derivative assets or liabilities, with changes in fair value recorded in mortgage banking revenue.

The Company accounts for derivative instruments and hedging activities according to guidelines established in Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 815-10, Accounting for Derivative Instruments and Hedging Activities, as amended. The Company recognizes all derivatives as either assets or liabilities on the balance sheet and measures those instruments at fair value. Changes in fair value of derivatives designated and accounted for as cash flow hedges, to the extent they are effective as hedges, are recorded in other comprehensive income, net of deferred taxes. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.

Fair Value Measurements

Fair value is the price that would be received to sell an asset or paid to transfer a liability in the principal or most advantageous market for an asset or liability in an orderly transaction between market participants at the measurement date. The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market inputs. For financial instruments that are traded actively and have quoted market prices or observable market inputs, there is minimal subjectivity involved in measuring fair value. However, when quoted market prices or observable market inputs are not fully available, significant management judgment may be necessary to estimate fair value. In developing our fair value estimates, we maximize the use of observable inputs and minimize the use of unobservable inputs.

The fair value hierarchy defines Level 1 valuations as those based on quoted prices (unadjusted) for identical assets or liabilities in active markets. Level 2 valuations include inputs based on quoted prices for similar assets or liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. Level 3 valuations are based on at least one significant assumption not observable in the market, or significant management judgment or estimation, some of which may be internally developed.

Financial assets that are recorded at fair value on a recurring basis include investment securities available for sale, loans held for sale, and derivative financial instruments. Financial liabilities that are recorded at fair value on a recurring basis are comprised of derivative financial instruments. See the Fair Value note to our consolidated financial statements.

Income Taxes

Deferred tax assets and liabilities are determined based on the difference between the financial statement and tax bases of assets and liabilities, using enacted tax rates in effect for the year in which the differences are expected to reverse. Deferred tax assets are recognized when it is deemed more likely than not that the benefits of such deferred income taxes will be realized.

In December of 2017, President Trump signed the the Tax Cuts and Jobs Act of 2017, the (”Tax Act”) into law. While a reduction in the federal corporate income tax rate from 35% to 21% took effect in 2018, the enactment of the law in 2017 required the Company to revalue its deferred tax assets and liabilities as of December 31, 2017. This revaluation reduced the Company’s deferred tax asset by $1.4 million, which increased 2017 income tax expense by $1.4 million. Of this amount, $40 thousand of expense was attributable to the Company's net deferred tax asset for unrealized losses on available for sale securities and cash flow hedge. In addition to adjusting the deferred tax asset for this item, the Company recorded an adjustment to accumulated other comprehensive income with a transfer to retained earnings.

Earnings per share:

Earnings per share is computed by dividing net income available to common stockholders by the weighted average number of shares outstanding. Diluted earnings per share is computed by dividing net income by the weighted average number of common shares outstanding, adjusted for the dilutive effect of stock options and restricted stock using the treasury stock method. At December 31, 2018 and 2017, there were 7,000 and 246,500 stock options, respectively, that were not included in the calculation as their effect would have been anti-dilutive. The following is a reconciliation of the numerators and denominators used in computing basic and diluted earnings per common share as adjusted for the Stock Split:



	For the Years Ended December 31,
	2018					2017
(dollars in thousands, except per share information)	Income		Weighted Average Shares	Per Share Amount		Income		Weighted Average Shares	Per Share Amount
Basic EPS
Net income available to common stockholders	$	12,767	12,116,459	$	1.05	$	7,109	11,261,132	$	0.63
Effect of dilutive securities	—		345,679			—		166,868
Dilutive EPS per common share	$	12,767	12,462,138	$	1.02	$	7,109	11,428,000	$	0.62

Comprehensive income:

The Company reports as comprehensive income all changes in stockholders' equity during the year from sources other than stockholders. Other comprehensive income refers to all components (income, expenses, gains, and losses) of comprehensive income that are excluded from net income.

The Company's only two components of other comprehensive income are unrealized gains and losses on investment securities available for sale, net of income taxes, and unrealized gains and losses on cash flow hedges, net of income taxes. Information concerning the Company's accumulated other comprehensive income (loss) as of December 31, 2018, and 2017 are as follows (in thousands):



	For the Years Ended December 31,
(in thousands)	2018			2017
Unrealized losses on securities available for sale	$	(825	)	$	(348	)
Deferred tax benefit	227			97
Other comprehensive loss, net of tax	(598		)	(251		)
Unrealized gains on cash flow hedges	5			6
Deferred tax expense	(2		)	(2		)
Other comprehensive income, net of tax	3			4
Total accumulated comprehensive loss	$	(595	)	$	(247	)

Recently issued accounting pronouncements:

In May 2014, the FASB issued guidance to change the recognition of revenue from contracts with customers. The core principle of the new guidance is that an entity should recognize revenue to reflect the transfer of goods and services to customers in an amount equal to the consideration the entity receives or expects to receive. The guidance became effective for the Company on January 1, 2018.

The Company applied the guidance using a modified retrospective approach. The Company’s revenue is comprised of net interest income and noninterest income. The scope of the guidance explicitly excludes net interest income as well as many other revenues for financial assets and liabilities including loans, leases, securities, and derivatives. Accordingly, the majority of our revenues were not affected. The Company performed an assessment of our revenue contracts related to revenue streams that are within the scope of the standard. Our accounting policies did not change materially since the principles of revenue recognition from the Accounting Standards Update (“ASU”) are largely consistent with existing practices and guidance applied by our businesses. The Company has not identified material changes to the timing or amount of revenue recognition for deposit service charges, credit card fees and mortgage banking fees. Deposit service charges are based on customer transaction activity and are recognized either daily or monthly when the activity occurs. Credit card fees are recognized monthly according to guidance for receivables and deferred fees. Revenue for mortgage banking is recognized monthly within the scope of other guidance for transfers and servicing, and derivatives and hedging. As such, the Company does not consider the guidance to have a material effect on its financial statements.

In January 2016, the FASB amended the Financial Instruments topic of the ASC to address certain aspects of recognition, measurement, presentation, and disclosure of financial instruments. The amendment became effective January 1, 2018 and did not have a material effect on the financial statements. As discussed in Note 16, the Company measured the fair value of its loan portfolio using an exit price notion as of December 31, 2018.

In February 2016, the FASB amended the Leases topic of the ASC to revise certain aspects of recognition, measurement, presentation, and disclosure of leasing transactions. The amendments will be effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years.

In February 2016, the FASB issued guidance on leases. The standard requires a lessee to recognize assets and liabilities on the balance sheet for leases with lease terms greater than 12 months, and is effective for fiscal years after December 15, 2018. In July 2018, new guidance was issued to provide an additional transition method that allow entities to not apply this new guidance in the comparative periods presented in the financial statements and instead recognize a cumulative effect adjustment to the beginning retained earnings at the date of application. The Company assessed this guidance and collected relevant terms for each of its lease agreements. The Company concluded that all of its leases will be classified as operating leases. The Company has estimated its Lease Liability and Right of Use Asset will be in the range of approximately $4.9 million to $5.2 million, with an expected reduction to retained earnings of approximately $50 thousand. The Company does not expect that the adoption of the new standard will have a material impact on its Consolidated Statements of Income.

In March 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify the implementation guidance on principal versus agent considerations and address how an entity should assess whether it is the principal or the agent in contracts that include three or more parties. The amendments became effective for the Company on January 1, 2018 and did not have a material effect on its financial statements.

In June 2016, the FASB issued guidance to change the accounting for credit losses and modify the impairment model for certain debt securities. The amendments will be effective for the Company for reporting periods beginning after December 15, 2019. Early adoption is permitted for all organizations for periods beginning after December 15, 2018.

The Company will apply the amendments to the ASU through a cumulative-effect adjustment to retained earnings as of the beginning of the year of adoption. While early adoption is permitted beginning in first quarter 2019, the Company does not expect to elect that option. The Company is evaluating the impact of the ASU on the consolidated financial statements. In addition to our allowance for loan losses, the Company will also record an allowance for credit losses on debt securities instead of applying the impairment model currently utilized. The amount of the adjustments will be impacted by each portfolio’s composition and credit quality at the adoption date as well as economic conditions and forecasts at that time.

In February 2017, the FASB amended the Other Income Topic of the ASC to clarify the scope of the guidance on nonfinancial asset derecognition as well as the accounting for partial sales of nonfinancial assets. The amendments conform the derecognition guidance on nonfinancial assets with the model for transactions in the new revenue standard. The amendments became effective for the Company on January 1, 2018 and did not have a material effect on its financial statements.

In March 2017, the FASB amended the Receivables topic of the ASC to eliminate the current diversity in practice with respect to the amortization period for certain purchased callable debt securities held at a premium. The amendments in this update shorten the amortization period for the premium to the earliest call date. This guidance is effective for the Company beginning after December 15, 2019. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements.

In May 2017, the FASB amended the requirements in the Compensation-Stock Compensation Topic of the ASC related to changes to the terms or conditions of a share-based payment award. The amendments provide guidance about which changes to the terms or conditions of a share-based payment award require an entity to apply modification accounting. The amendments were effective for the Company on January 1, 2018 and did not have a material effect on its financial statements.

In August 2017, the FASB amended the requirements of the Derivatives and Hedging Topic of the Accounting Standards Codification to improve the financial reporting of hedging relationships to better portray the economic results of an entity’s risk management activities in its financial statements. The amendments will be effective for the Company for interim and annual periods beginning after December 15, 2018. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements.

In February 2018, the FASB amended the Income Statement – Reporting Comprehensive Income Topic of the ASC. The amendments allow a reclassification from accumulated other comprehensive income to retained earnings for stranded tax effects resulting from the Tax Act. The Company has early adopted this pronouncement by retrospective application to each period in which the effect of the change in the tax rate under the Tax Act is recognized. The impact of the reclassification from other comprehensive income to retained earnings was included in the Statement of Changes in Stockholders’ Equity as of December 31, 2017.

In March 2018, the FASB updated the Income Taxes Topic of the ASC. The amendments incorporate recent SEC guidance related to the income tax accounting implications of the Tax Cuts and Jobs Act. The amendments were effective upon issuance and did not have a material effect on its financial statements.

In June 2018, the FASB amended the Compensation-Stock Compensation Topic of the Accounting Standards Codification. The amendments expand the scope of Topic 718 to include share-based payment transactions for acquiring goods and services from nonemployees. The amendments are effective for fiscal years beginning after December 15, 2018, including interim periods within that fiscal year. Early adoption is permitted, but no earlier than an entity’s adoption date of Topic 606. The Company does not expect these amendments to have a material effect on its financial statements.

In August 2018, the FASB amended the Fair Value Measurement Topic 820 disclosure framework. These amendments include additions, removals and modifications to the fair value disclosure requirements in Topic 820, and are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted on removed or modified disclosures. The Company does not expect these amendments to have a material effect on its financial statements.

Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company's financial position, results of operations or cash flows.

Reclassifications:

Certain reclassifications have been made to the amounts reported in prior periods to conform to the current period presentation. The reclassifications had no effect on net income or total stockholders' equity.

Investment Securities

12 Months Ended

Dec. 31, 2018

Investments, Debt and Equity Securities [Abstract]

Investment Securities

The amortized cost and estimated fair value of investment securities at December 31, 2018 and 2017 are summarized as follows (in thousands):



Investment Securities Available for Sale
	Amortized Cost		Unrealized Gains		Unrealized Losses			Fair Value
(in thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses			Fair Value
December 31, 2018
U.S. government-sponsored enterprises	$	17,496	$	—	$	(136	)	$	17,360
Municipal	517		—		(16		)	501
Corporate	2,908		28		(51		)	2,885
Mortgage-backed securities	26,836		46		(696		)	26,186
	$	47,757	$	74	$	(899	)	$	46,932

December 31, 2017
U.S. government-sponsored enterprises	$	17,489	$	1	$	(120	)	$	17,370
Municipal	518		—		(3		)	515
Corporate	3,060		67		(50		)	3,077
Mortgage-backed securities	33,310		179		(422		)	33,067
	$	54,377	$	247	$	(595	)	$	54,029

Proceeds from sales of securities sold during the year ended December 31, 2018, were $345 thousand and resulted in aggregate realized losses of $2 thousand. No securities were sold during the year ended December 31, 2017.

Information related to unrealized losses in the investment portfolio as of December 31, 2018 and 2017 are as follows (in thousands):



Investment Securities Unrealized Losses
	Less than 12 months					12 months or longer					Total
	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
(in thousands)	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
December 31, 2018
U.S. government-sponsored enterprises	$	496	$	(2	)	$	16,864	$	(134	)	$	17,360	$	(136	)
Municipal	—		—			501		(16		)	501		(16		)
Corporate	—		—			857		(51		)	857		(51		)
Mortgage-backed securities	2,294		(7		)	21,037		(689		)	23,331		(696		)
	$	2,790	$	(9	)	$	39,259	$	(890	)	$	42,049	$	(899	)

December 31, 2017
U.S. government-sponsored enterprises	$	8,967	$	(26	)	$	7,906	$	(94	)	$	16,873	$	(120	)
Municipal	515		(3		)	—		—			515		(3		)
Corporate	—		—			1,010		(50		)	1,010		(50		)
Mortgage-backed securities	11,204		(165		)	13,645		(257		)	24,849		(422		)
	$	20,686	$	(194	)	$	22,561	$	(401	)	$	43,247	$	(595	)

At December 31, 2018, there were nine U.S. government-sponsored enterprises securities, two corporate securities, fifteen mortgage-backed securities, and one municipal security that had been in a loss position for greater than twelve months. Management believes that all unrealized losses have resulted from temporary changes in the interest rates and current market conditions and not as a result of credit deterioration. Management has the ability and the intent to hold these investment securities until maturity or until they recover in value.

A summary of pledged securities at December 31, 2018 and 2017 are shown below:



Pledged Securities
	For the Years Ended December 31,
	2018				2017
(in thousands)	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Securities sold under agreements to repurchase	$	16,032	$	15,862	$	14,405	$	14,475
Federal Home Loan Bank advances	6,713		6,662		7,433		7,454
	$	22,745	$	22,524	$	21,838	$	21,929

Contractual maturities of U.S. government-sponsored enterprises and corporate securities at December 31, 2018 and 2017 are shown below. Actual maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.



Investment Securities - Contractual Maturities
	For the Years Ended December 31,
	2018				2017
(in thousands)	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Within one year	$	16,496	$	16,377	$	—	$	—
Over one to five years	1,000		983		17,489		17,370
Over five to ten years	2,000		2,028		2,518		2,582
Over ten years	1,425		1,358		1,060		1,010
Mortgage-backed securities⁽¹⁾	26,836		26,186		33,310		33,067
	$	47,757	$	46,932	$	54,377	$	54,029

_______________


⁽¹⁾	Mortgage-backed securities are due in monthly installments.

Loans Receivable

12 Months Ended

Dec. 31, 2018

Receivables [Abstract]

Loans Receivable

Major categories of loans are as follows:



Loan Categories
	For the Years Ended December 31,
(in thousands)	2018			2017
Real estate:
Residential	$	407,844		$	342,684
Commercial	278,691			259,853
Construction	157,586			144,932
Commercial	122,264			108,982
Credit card	34,673			31,507
Other consumer	1,202			1,053
	1,002,260			889,011
Deferred origination fees, net	(1,992		)	(1,591		)
Allowance for loan losses	(11,308		)	(10,033		)
Loans receivable, net	$	988,960		$	877,387

The Company makes loans to customers located primarily in the Washington, D.C. metropolitan area. Although the loan portfolio is diversified, its performance will be influenced by the regional economy. The Company’s loan categories are described below.

Residential Real Estate Loans. One-to-four family mortgage loans are primarily on owner-occupied primary residences and, to a lesser extent, investor owned residences. Residential loans are originated through the commercial sales teams and Church Street Mortgage division. Residential loans also include home equity lines of credit. One-to-four family residential loans have a relatively small balance spread between many individual borrowers compared to our other loan categories. Owner-occupied residential real estate loans usually have fixed rates for five or seven years and adjust on an annual basis after the initial term based on a typical maturity of 30 years. Investor residential real estate loans are based on 25-year terms with a balloon payment due after five years. The required minimum debt service coverage ratio is 1.15. Residential real estate loans have represented a stable and growing portion of our loan portfolio. The emphasis will continue to be on residential real estate lending.

Commercial Real Estate Loans. Commercial real estate loans are originated on owner-occupied and non-owner-occupied properties. These loans may be more adversely affected by conditions in the real estate markets or in the general economy. Commercial loans that are secured by owner-occupied commercial real estate and primarily collateralized by operating cash flows are also included in this category of loans. As of December 31, 2018, there were approximately $129.1 million of owner-occupied commercial real estate loans, representing approximately 46% of the commercial real estate portfolio. Commercial real estate loan terms are generally extended for 10 years or less and amortize generally over 25 years or less. The interest rates on commercial real estate loans have initial fixed rate terms that adjust typically at 5 years and origination fees are routinely charged for services. Personal guarantees from the principal owners of the business are generally required, supported by a review of the principal owners’ personal financial statements and global debt service obligations. The properties securing the portfolio are located primarily throughout the Company’s markets and are generally diverse in terms of type. This diversity helps reduce the exposure to adverse economic events that affect any single industry.

Construction Loans. Construction loans are offered within the Company’s Washington, D.C. and Baltimore, Maryland metropolitan operating areas to builders primarily for the construction of single-family homes and condominium and townhouse conversions or renovations and, to a lesser extent, to individuals. Construction loans typically have terms of 12 to 18 months with the goal of transitioning the borrowers to permanent financing or re-underwriting and selling into the secondary market through Church Street Mortgage. According to underwriting standards, the ratio of loan principal to collateral value, as established by an independent appraisal, cannot exceed 75% for investor-owned and 80% for owner-occupied properties. Semi-annual stress testing of the construction loan portfolio is conducted, and underlying real estate conditions are closely monitored as well as the borrower’s trends of sales valuations as compared to underwriting valuations as part of the ongoing risk management efforts. The borrowers’ progress in construction buildout is closely monitored and the original underwriting guidelines for construction milestones and completion timelines are strictly enforced.

Commercial Business Loans. In addition to other loan products, general commercial loans, including commercial lines of credit, working capital loans, term loans, equipment financing, letters of credit and other loan products are offered, primarily in target markets, and underwritten based on each borrower’s ability to service debt from income. These loans are primarily made based on the identified cash flows of the borrower and secondarily, on the underlying collateral provided by the borrower. Most commercial business loans are secured by a lien on general business assets including, among other things, available real estate, accounts receivable, promissory notes, inventory and equipment, and personal guaranties from the borrower or other principal are generally obtained.

Credit Cards. Through the OpenSky® credit card division, credit cards on a nationwide basis to under-banked populations and those looking to rebuild their credit scores are provided through a fully digital and mobile platform. Substantially all of the lines of credit are secured by a noninterest bearing demand account at the Bank in an amount equal to the full credit limit of the credit card. In addition, using a proprietary scoring model, which considers credit score and repayment history (typically a minimum of six months of on-time repayments, but ultimately determined on a case-by-case basis) the Bank has recently begun to offer certain customers an unsecured line in excess of their secured line of credit. Approximately $32.5 million and $29.4 million of the credit card balances were secured by savings deposits held by the Bank as of December 31, 2018 and 2017, respectively.

Other Consumer Loans. To a very limited extent and typically as an accommodation to existing customers, personal consumer loans such as term loans, car loans or boat loans are offered.

Loans acquired through acquisitions are recorded at estimated fair value on their purchase date with no carryover of the related allowance for loan losses. In estimating the fair value of loans acquired, certain factors were considered, including the remaining lives of the acquired loans, payment history, estimated prepayments, estimated loss ratios, estimated value of the underlying collateral, and the net present value of cash flows expected. Discounts on loans that were not considered impaired at acquisition were recorded as an accretable discount, which will be recognized in interest income over the terms of the related loans. For loans considered to be impaired, the difference between the contractually required payments and expected cash flows was recorded as a nonaccretable discount. The remaining nonaccretable discounts on loans acquired were $354 thousand and $601 thousand as of December 31, 2018 and 2017, respectively. Loans with nonaccretable discounts had a carrying value of $1.3 million and $1.5 million as of December 31, 2018 and 2017, respectively.

The activity in the accretable discounts on loans acquired was as follows:



Accretable Discounts on Loans Acquired
	For the Years Ended December 31,
(in thousands)	2018			2017
Accretable discount at beginning of period	$	543		$	676
Less: Accretion and payoff of loans	(105		)	(133		)
Accretable discount at end of period	$	438		$	543

The allowance for loan losses consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-impaired loans and is based on historical loss experience adjusted for current economic factors. The following tables present, by class and reserving methodology, the allocation of the allowance for loan losses and the gross investment in loans for the years ended December 31, 2018 and 2017.



Allowance for Loan Losses
(in thousands)			Provision for Loan Losses										Allowance for Loan Losses Ending Balance Evaluated for Impairment:				Outstanding Loan Balances Evaluated for Impairment:
December 31, 2018	Beginning Balance		Provision for Loan Losses			Charge-Offs			Recoveries		Ending Balance		Individually		Collectively		Individually		Collectively
Real estate:
Residential	$	3,137	$	522		$	(121	)	$	3	$	3,541	$	—	$	3,541	$	2,120	$	405,724
Commercial	2,860		13			(22		)	152		3,003		—		3,003		1,486		277,205
Construction	1,646		447			—			—		2,093		—		2,093		—		157,586
Commercial	1,497		194			(147		)	34		1,578		262		1,316		749		121,515
Credit card	885		963			(806		)	42		1,084		—		1,084		—		34,673
Other consumer	8		1			—			—		9		—		9		—		1,202
	$	10,033	$	2,140		$	(1,096	)	$	231	$	11,308	$	262	$	11,046	$	4,355	$	997,905

December 31, 2017
Real estate:
Residential	$	2,664	$	664		$	(191	)	$	—	$	3,137	$	—	$	3,137	$	1,766	$	340,918
Commercial	2,682		375			(312		)	115		2,860		—		2,860		4,293		255,560
Construction	1,591		55			—			—		1,646		—		1,646		627		144,305
Commercial	1,174		345			(25		)	3		1,497		60		1,437		1,544		107,438
Credit card	477		1,217			(1,124		)	315		885		—		885		—		31,507
Other consumer	9		(1		)	—			—		8		—		8		—		1,053
	$	8,597	$	2,655		$	(1,652	)	$	433	$	10,033	$	60	$	9,973	$	8,230	$	880,781

Past due loans, segregated by age and class of loans, as of December 31, 2018 and 2017 were as follows:



Loans Past Due	Loans 30-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Loans		Accruing Loans 90 or More days Past Due		Nonaccrual Loans

(in thousands)
December 31, 2018
Real estate:
Residential	$	1,070	$	2,081	$	3,151	$	404,693	$	407,844	$	235	$	2,207
Commercial	1,746		1,431		3,177		275,514		278,691		—		1,486
Construction	—		—		—		157,586		157,586		—		—
Commercial	612		398		1,010		121,254		122,264		—		749
Credit card	3,771		2		3,773		30,900		34,673		2		—
Other consumer	—		—		—		1,202		1,202		—		—
	$	7,199	$	3,912	$	11,111	$	991,149	$	1,002,260	$	237	$	4,442

Acquired loans included above	$	521	$	488	$	1,009	$	7,275	$	8,284	$	235	$	582

December 31, 2017
Real estate:
Residential	$	8,311	$	968	$	9,279	$	333,405	$	342,684	$	—	$	1,828
Commercial	128		333		461		259,392		259,853		—		1,648
Construction	—		280		280		144,652		144,932		280		499
Commercial	1,219		911		2,130		106,852		108,982		—		1,067
Credit card	2,982		85		3,067		28,440		31,507		85		—
Other consumer	—		—		—		1,053		1,053		—		—
	$	12,640	$	2,577	$	15,217	$	873,794	$	889,011	$	365	$	5,042

Acquired loans included above	$	208	$	635	$	843	$	9,526	$	10,368	$	—	$	1,367

Impaired loans include loans acquired on which management has recorded a nonaccretable discount. Impaired loans as of December 31, 2018 and 2017 were as follows:



Impaired Loans
	Unpaid contractual principal balance		Recorded investment with no allowance		Recorded investment with allowance		Total recorded investment		Related allowance		Average recorded investment		Interest recognized
(in thousands)
December 31, 2018
Real estate
Residential	$	2,411	$	2,120	$	—	$	2,120	$	—	$	2,564	$	28
Commercial	1,551		1,486		—		1,486		—		1,591		—
Construction	32		—		—		—		—		140		—
Commercial	856		363		386		749		262		1,270		—
	$	4,850	$	3,969	$	386	$	4,355	$	262	$	5,565	$	28

Acquired loans included above	$	775	$	497	$	—	$	497	$	—	$	—	$	—

December 31, 2017
Real estate
Residential	$	2,329	$	1,766	$	—	$	1,766	$	—	$	1,948	$	30
Commercial	4,677		4,293		—		4,293		—		4,407		169
Construction	659		627		—		627		—		880		24
Commercial	1,824		1,178		366		1,544		60		1,600		48
	$	9,489	$	7,864	$	366	$	8,230	$	60	$	8,835	$	271

Acquired loans included above	$	2,149	$	1,366	$	—	$	1,366	$	—	$	1,553	$	1

There were $221 thousand and $503 thousand, respectively, of loans secured by one to four family residential properties in the process of foreclosure as of December 31, 2018 and December 31, 2017.

Credit quality indicators

As part of the ongoing monitoring of the credit quality of the Company’s loan portfolio, management tracks certain credit quality indicators including trends related to the risk grade of loans, the level of classified loans, net charge-offs, nonperforming loans, and the general economic conditions in the Company’s market.

The Company utilizes a risk grading matrix to assign a risk grade to each of its loans. A description of the general characteristics of loans characterized as classified is as follows:

Special Mention

A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the Company’s credit position at some future date. Special mention loans are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification.

Borrowers may exhibit poor liquidity and leverage positions resulting from generally negative cash flow or negative trends in earnings. Access to alternative financing may be limited to finance companies for business borrowers and may be unavailable for commercial real estate borrowers.

Substandard

A substandard loan is inadequately protected by the current financial condition and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

Borrowers may exhibit recent or unexpected unprofitable operations, an inadequate debt service coverage ratio, or marginal liquidity and capitalization. These loans require more intense supervision by Company management.

Doubtful

A doubtful loan has all the weaknesses inherent as a substandard loan with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

The following table presents the balances of classified loans based on the risk grade. Classified loans include Special Mention, Substandard, and Doubtful loans:



Loan Classifications
(in thousands)	Pass⁽¹⁾		Special Mention		Substandard		Doubtful		Total
December 31, 2018
Real estate:
Residential	$	405,532	$	118	$	2,194	$	—	$	407,844
Commercial	274,247		2,958		1,486		—		278,691
Construction	154,643		843		2,100		—		157,586
Commercial	117,670		3,844		750		—		122,264
Credit card	34,673		—		—		—		34,673
Other consumer	1,202		—		—		—		1,202
Total	$	987,967	$	7,763	$	6,530	$	—	$	1,002,260

December 31, 2017
Real estate:
Residential	$	340,854	$	—	$	1,830	$	—	$	342,684
Commercial	251,292		6,175		2,386		—		259,853
Construction	144,433		—		499		—		144,932
Commercial	101,868		5,730		1,384		—		108,982
Credit card	31,507		—		—		—		31,507
Other consumer	1,053		—		—		—		1,053
Total	$	871,007	$	11,905	$	6,099	$	—	$	889,011

________________________

⁽¹⁾Classification includes loans graded exceptional, very good, good, satisfactory and pass/watch

Impaired loans also include certain loans that have been modified in troubled debt restructurings (“TDRs”) where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from the Company’s loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions. Certain TDRs are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months. The status of TDRs is as follows:



Troubled Debt Restructurings
	Number of Contracts	Recorded Investment
(dollars in thousands)	Number of Contracts	Performing		Nonperforming		Total
December 31, 2018
Real estate:
Residential	3	$	—	$	145	$	145
Commercial	1	—		139		139
Total	4	$	—	$	284	$	284

Acquired loans included above	3	$	—	$	145	$	145

December 31, 2017
Real estate:
Residential	5	$	—	$	254	$	254
Commercial	1	2,709		—		2,709
Commercial	3	510		338		848
Total	9	$	3,219	$	592	$	3,811

Acquired loans included above	4	$	—	$	151	$	151

During the year ended December 31, 2018, the Company had no new modified loans that were considered TDRs, and no defaulted loans over the last twelve months. Of the four loans designated as troubled debt restructing at December 31, 2018, three loans were due to changes in interest rates and payment terms, and one loan was due to a change in interest rate, payment terms and a principal reduction. At December 31, 2017, three loans were designated as troubled debt restructuring due to payment terms and extension of maturity, four loans due to changes in interest rates and payment terms, and two loans for extensions of maturity dates. There were three restructured loans charged off in the amount of $291 thousand, and two performing restructured loans paid off for $3.2 million during the year ended December 31, 2018.

Outstanding loan commitments were as follows:



Loan Commitments
	For the Years Ended December 31,
(in thousands)	2018		2017
Unused lines of credit
Commercial	$	52,083	$	46,580
Commercial real estate	8,980		7,530
Residential real estate	12,853		7,072
Home equity	27,243		25,395
Secured credit card	29,142		30,161
Personal	126		148
Construction commitments
Residential real estate	72,424		56,463
Commercial real estate	6,358		7,350
	$	209,209	$	180,699

Commitments to originate residential loans held for sale	$	647	$	4,138

Letters of credit	$	6,216	$	6,759

Lines of credit are agreements to lend to a customer as long as there is no violation of any condition of the contract. Lines of credit generally have variable interest rates. Such lines do not represent future cash requirements because it is unlikely that all customers will draw upon their lines in full at any time. Loan commitments generally have variable interest rates, fixed expiration dates, and may require payment of a fee. Letters of credit are conditional commitments issued by us to guarantee the performance of a customer to a third party. In the event of nonperformance by the customer in accordance with the terms of the agreement with the third party, we would be required to fund the commitment.

The Company's maximum exposure to credit loss in the event of nonperformance by the customer is the contractual amount of the credit commitment. Loan commitments and lines of credit are made on the same terms, including collateral, as outstanding loans. Management is not aware of any accounting loss to be incurred by funding these loan commitments. As of December 31, 2018 and December 31, 2017 respectively, the Company had an allowance for off-balance-sheet credit risk of $1,053 thousand and $901 thousand, recorded in other liabilities on the consolidated balance sheet.

The Company makes representations and warranties that loans sold to investors meet their program's guidelines and that the information provided by the borrowers is accurate and complete. In the event of a default on a loan sold, the investor may make a claim for losses due to document deficiencies, program compliance, early payment default, and fraud or borrower misrepresentations.

The Company maintains a liability account for estimated reserves on off balance sheet items such as unfunded lines of credit. Activity for this accounts is as follows:



Off Balance Sheet Reserves
	For the Years Ended December 31,
(in thousands)	2018		2017
Balance at beginning of period	$	901	$	801
Add: Provision	152		100
Add: Recoveries	—		—
Less: Charge-offs	—		—
Balance at end of period	$	1,053	$	901

The Company maintains a reserve in other liabilities for potential losses on mortgage loans sold. Activity in this reserve is as follows for the periods presented:



Mortgage Loan Put-back Reserve
	For the Years Ended December 31,
(in thousands)	2018			2017
Balance at beginning of period	$	457		$	442
Add: Provision	106			115
Add: Recoveries	—			—
Less: Charge-offs	(62		)	(100		)
Balance at end of period	$	501		$	457

Derivative Financial Instruments	12 Months Ended
Derivative Financial Instruments	Dec. 31, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivative Financial Instruments	As part of its mortgage banking activities, the Company enters into interest rate lock commitments, which are commitments to originate loans whereby the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. The Company then either locks the loan and rate in with an investor and commits to deliver the loan if settlement occurs (Best Efforts) or commits to deliver the locked loan to an investor in a binding (Mandatory) delivery program. Certain loans under rate lock commitments are covered under forward sales contracts. Forward sales contracts are recorded at fair value with changes in fair value recorded in mortgage banking revenue. Interest rate lock commitments and commitments to deliver loans to investors are considered derivatives. The market value of interest rate lock commitments and best efforts contracts are not readily ascertainable with precision because they are not actively traded in stand-alone markets. The Company determines the fair value of rate lock commitments and delivery contracts by measuring the fair value of the underlying asset, which is impacted by current interest rates and takes into consideration the probability that the rate lock commitments will close or will be funded. At December 31, 2018 and 2017, the Company had open forward sales agreements with notional values of $25.0 million and $41.0 million, respectively. At December 31, 2018 and 2017, the Company had open mandatory delivery commitments of $4.3 million and $12.6 million, respectively. The open forward delivery sales agreements are composed of forward sales of loans. The fair values of the open forward sales agreements were $(253) thousand and $(42) thousand at December 31, 2018 and 2017, respectively. The fair values of the open mandatory delivery commitments were $59 thousand and $18 thousand at December 31, 2018 and 2017, respectively. Interest rate lock commitments totaled $32.9 million and $56.9 million at December 31, 2018 and 2017, respectively and included $1.8 million and $6.2 million of commitments that were made on a best efforts basis at December 31, 2018 and 2017, respectively. The fair values of these best efforts commitments were $31 thousand and $102 thousand at December 31, 2018 and 2017, respectively. The remaining hedged interest rate lock commitments totaling $31.1 million and $50.7 million at December 31, 2018 and 2017, had fair values of $234 thousand and $108 thousand, respectively. Loans held for sale include the portion of fair value remaining for hedged interest rate lock commitments related to closed loans, the fair value of open mandatory delivery commitments, and the fair value of best efforts commitments. On January 7, 2015, the Company entered into an interest rate swap transaction with a notional amount of $2 million. The swap qualifies as a derivative and is designated as a hedging instrument. The swap fixes the interest rate the Company will pay on the floating rate junior subordinated debentures for four years beginning on March 16, 2015. Based on the notional amount, the Company pays the counter-party quarterly interest at a fixed rate of 3.493% and the counter-party pays the Company interest at a rate of three‑month LIBOR plus 1.87%. As of December 31, 2018 and 2017, the swap had a fair value of $5 thousand and $7 thousand, respectively. The unrealized loss, net of income tax, has been recorded in other comprehensive income. Management believes there is no hedge ineffectiveness as of December 31, 2018.

Interest Bearing Deposits

12 Months Ended

Dec. 31, 2018

Deposits [Abstract]

Interest Bearing Deposits

Major categories of interest bearing deposits are as follows:



Interest Bearing Deposits
	At December 31,
(in thousands)	2018		2017
NOW accounts	$	85,747	$	74,663
Money market accounts	288,896		312,809
Savings	2,866		3,450
Certificates of deposit of $250,000 or more	99,412		74,930
Other time deposits	236,060		242,412
Total Interest Bearing Deposits	$	712,981	$	708,264

The aggregate amount of brokered certificates of deposit was $76.1 million and $72.5 million at December 31, 2018 and 2017, respectively. The aggregate amount of Certificate of Deposit Account Registry Service (“CDARS”) deposits was $45.1 million and $61.0 million at December 31, 2018 and 2017, respectively.

As of December 31, 2018, certificates of deposit mature as follows:



Maturities of Certificates of Deposit
(in thousands)
2019	$	241,195
2020	80,468
2021	12,924
2022	275
2023, and thereafter	610
	$	335,472

Borrowed Funds

12 Months Ended

Dec. 31, 2018

Debt Disclosure [Abstract]

Borrowed Funds

As of December 31, 2018 and 2017, the Company was indebted as follows.



Borrowed Funds
	2018					2017
(dollars in thousands)	Balance			Interest		Balance			Interest
Pacific Coast Bankers Bank	2,000			3.28	%	—			—	%
Total - Federal funds purchased	$	2,000				—

FHLB advance due March 25, 2019	$	2,000		4.26	%	$	2,000		4.26	%
Total - FHLB advances	$	2,000				$	2,000

Senior promissory note due July 31, 2019	—			—	%	2,000			5.50	%
Junior subordinated debentures due June 15, 2036	2,062			4.68	%	2,062			3.56	%
Other subordinated notes due December 1, 2025	13,500			6.95	%	13,500			6.95	%
Less: Unamortized debt issuance costs	(169		)			(201		)
Total - Other borrowed funds	$	15,393				$	17,361

Federal Home Loan Bank advances

The Federal Home Loan Bank advances require quarterly interest payments with principal and any remaining accrued interest due at maturity.

Senior promissory note

On July 30, 2014, the Company issued a $5,000,000 senior promissory note (the “Note”) with a maturity date of July 31, 2019. The Company repaid $3,000,000 on this note on July 30, 2016. On that date, the Note was amended and the interest rate was fixed at 5.00% through September 30, 2017. Effective October 1, 2017, the Note was again amended to fix the interest rate at 5.50% through March 31, 2018, and was paid off on March 30, 2018.

Junior subordinated debentures

In June 2006, the Company formed Capital Bancorp (MD) Statutory Trust I (the “Trust”) and on June 15, 2006, the Trust issued 2,000 floating Rate Capital Securities (the “Capital Securities”) with an aggregate liquidation value of $2,000,000 to a third party in a private placement. Concurrent with the issuance of the Capital Securities, the Trust issued trust common securities to the Company in the aggregate liquidation value of $62,000.

The proceeds of the issuance of the Capital Securities and trust common securities were invested in the Company’s Floating Rate Junior Subordinated Deferrable Interest Debentures (the “Floating Rate Debentures”). The Floating Rate Debentures for the Trust will mature on June 15, 2036, which may be shortened if certain conditions are met (including the Company having received prior approval of the Board of Governors of the Federal Reserve System and any other required regulatory approvals). These Floating Rate Debentures, which are the only assets of the Trust, are subordinate and junior in right of payment to all present and future senior indebtedness (as defined in the Indenture dated June 15, 2006) of the Company. The Floating Rate Debentures for the Trust accrue interest at a floating rate equal to the three-month LIBOR plus 1.87%, payable quarterly. As of December 31, 2018 and 2017, the rate for the Trust was 4.68% and 3.56%, respectively. The quarterly distributions on the Capital Securities will be paid at the same rate that interest is paid on the Floating Rate Debentures.

The Company has fully and unconditionally guaranteed the Trust’s obligation under the Capital Securities. The Trust must redeem the Capital Securities when the Floating Rate Debentures are paid at maturity or upon any earlier prepayment of the Floating Rate Debentures. The Floating Rate Debentures may be prepaid if certain events occur, including a change in the tax status or regulatory capital treatment of the Capital Securities, or a change in existing laws that requires the Trust to register as an investment company.

The junior subordinated debentures are treated as Tier 1 capital, to a limited extent, by the Federal Reserve.

Other subordinated notes

On November 24, 2015, the Company issued $13,500,000 of subordinated notes. The notes mature on December 1, 2025. The notes bear interest at 6.95% for the first five years, then adjust to the three‑month LIBOR plus 5.33% adjusted on March 1, June 1, September 1, and December 1 of each year. Interest is payable quarterly. There were related debt issuance costs incurred totaling $278,231. The costs are amortized to interest expense through the maturity date of the notes.

Available lines of credit

The Company has available lines of credit of $28,000,000 with other correspondent banks, and $2,000,000 was outstanding with Pacific Coast Bankers Bank at December 31, 2018, and paid off on January 2, 2019.

The Company may borrow up to 25% of its assets from the FHLB, based on collateral available to pledge to secure the borrowings. Borrowings from the FHLB are secured by a portion of the Company’s loan and/or investment portfolio. As of December 31, 2018 and 2017, the Company had pledged loans providing borrowing capacity of $235.2 million and $78.8 million, respectively. As of December 31, 2018 and 2017, the Company had pledged investment securities with a fair value of $6.7 million and $7.5 million, respectively, to the FHLB. As of December 31, 2018 and 2017, the Company had $185.6 million and $84.1 million, respectively, of available borrowing capacity from the FHLB.

As of December 31, 2018 and 2017, the Company had pledged commercial loans to the Federal Reserve Bank of Richmond to provide a borrowing capacity totaling $13.1 million and $17.9 million, respectively, under its discount window program. There were no advances outstanding under this facility as of December 31, 2018 and 2017.

Certificate of deposit funding through a financial network is limited to 15% of the Bank’s assets, or approximately $161.2 million and $152.4 million as of December 31, 2018 and 2017, respectively.

Related-Party Transactions

12 Months Ended

Dec. 31, 2018

Related-Party Transactions

Certain executive officers and directors of the Company and Bank, and companies with which they are affiliated, are clients of and have banking transactions with the Company in the ordinary course of business. These transactions are conducted on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with persons not related to the Company.

Activity in related-party loans during 2018 and 2017 is shown below:



Related Party Loans
(in thousands)	2018			2017
Balance at beginning of year	$	16,268		$	13,529
Add: New loans	2,093			34,386
Less: Amounts collected	(3,588		)	(36,447		)
Add (deduct): Relationship changes	(1,552		)	4,800
Balance at end of year	$	13,221		$	16,268

Deposits from officers and directors and their related interests were $155.8 million at December 31, 2018, and $178.0 million at December 31, 2017.

A director of the Company owns an interest in an entity from which the Company leases space for its Rockville, Maryland location. Payments made in accordance with the lease were $566 thousand and $555 thousand in 2018 and 2017, respectively.

Company directors, or their related interests, held $1.4 million of the senior promissory notes outstanding as of December 31, 2017. These notes were paid off on March 30, 2018.

Company directors, or their related interests, held $1.0 million of the convertible subordinated notes outstanding as of December 31, 2018 and 2017.

Company directors, or their related interests, held $4.5 million and $7.1 million of participation loans from the Bank as of December 31, 2018 and 2017, respectively. Company and Bank directors, or their related interests, held $2.0 million and $4.9 million of participation loans from Church Street Capital as of December 31, 2018 and 2017, respectively.

Income Taxes

12 Months Ended

Dec. 31, 2018

Income Tax Disclosure [Abstract]

Income Taxes

On December 22, 2017, the Tax Cuts and Jobs Act (the “2017 Tax Act”) became law. The 2017 Tax Act includes a number of changes to existing U.S. tax laws that impact the Company, most notably a reduction of the U.S. corporate income tax rate to 21 percent for tax years beginning after December 31, 2017.

The components of income tax expense are as follows:



Income Tax Expense
	For the Years Ended December 31,
(in thousands)	2018			2017
Current
Federal	$	3,696		$	4,612
State	1,427			1,231
Total Current Expense	5,123			5,843
Deferred tax benefit	(141		)	(239		)
Change in corporate income tax rate	—			1,386
Total Income Tax Expense	$	4,982		$	6,990

The components of the net deferred tax asset are:



Net Deferred Tax Asset
(in thousands)	2018	2017
Deferred tax assets
Allowance for loan and credit losses	3,384	3,003
Reserve for recourse on mortgage loans sold	138	125
Nonaccrual interest	63	268
Foreclosed real estate write-downs	3	8
Stock-based compensation	239	188
Long-term incentive program (LTIP)	189	77
Core deposit intangible	24	26
Unrealized loss on investment securities available for sale	227	97
Net operating loss carryforward	244	212
	4,511	4,004
Deferred tax liabilities
Unrealized gain on cash flow hedging derivative	2	2
Unrealized gain on loans held for sale	51	9
Accumulated depreciation	516	399
Deferred casualty gain	1	1
Other	43	—
	613	411
Net deferred tax asset before valuation allowance	3,898	3,593
Less: Valuation allowance	244	212
Net deferred tax asset	3,654	3,381

The differences between the federal income tax rate and the effective tax rate for the Company are reconciled as follows:



Reconciliation of Federal Tax Rate to the Effective Rate
	2018		2017
Statutory federal income tax rate	21.00	%	34.00	%
Increase (decrease) resulting from
State income taxes, net of federal income tax benefit	6.35		5.37
Nondeductible expenses	0.42		0.84
Tax exempt income	(0.04	)	(0.22	)
Change in corporate income tax rate	—		9.83
Other	0.34		(0.24	)
Effective Tax Rate	28.07	%	49.58	%

Deferred tax assets represent the future tax benefit of deductible differences and, if it is more likely than not that a tax asset will not be realized, a valuation allowance is required to reduce the net deferred tax assets to net realizable value. As of December 31, 2018, management has determined that it is more likely than not that the majority of the deferred tax asset from continuing operations will be realized. At December 31, 2018 and 2017, a valuation allowance of $244,376 and $212,367 was recognized, respectively, for a State of Maryland net operating loss carryforward that may not be realizable.

The Company does not have material uncertain tax positions and did not recognize any adjustments for unrecognized tax benefits. The Company remains subject to examination of income tax returns for the years ending after December 31, 2015.

Capital Standards

12 Months Ended

Dec. 31, 2018

Banking and Thrift [Abstract]

Capital Standards

The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory, and possible additional, discretionary actions by the regulators that, if undertaken, could have a direct material effect on the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

The Basel III Capital Rules became effective for the Bank on January 1, 2015 (subject to a phase‑in period for certain provisions). Quantitative measures established by the Basel III Capital Rules to ensure capital adequacy require the maintenance of minimum amounts and ratios (set forth in the following table) of Common Equity Tier 1 capital, Tier 1 capital, and Total capital (as defined in the regulations) to risk‑weighted assets (as defined), and of Tier 1 capital to adjusted quarterly average assets (as defined).

In connection with the adoption of the Basel III Capital Rules, the Bank elected to opt‑out of the requirement to include accumulated other comprehensive income in Common Equity Tier 1 capital. Common Equity Tier 1 capital for the Bank is reduced by goodwill and other intangible assets, net of associated deferred tax liabilities and subject to transition provisions.

Under the revised prompt corrective action requirements, as of January 1, 2015, insured depository institutions are required to meet the following in order to qualify as “well capitalized:” (1) a common equity Tier 1 risk‑based capital ratio of 6.5%; (2) a Tier 1 risk-based capital ratio of 8%; (3) a total risk‑based capital ratio of 10%; and (4) a Tier 1 leverage ratio of 5%. Management believes that, as of December 31, 2017, the Bank met all capital adequacy requirements under the Basel III Capital Rules on a fully phased‑in basis as if such requirements were fully in effect.

The implementation of the capital conservation buffer began on January 1, 2016, at the 0.625% level and will be phased in over a four-year period (increasing by that amount on each subsequent January 1, until it reaches 2.5% on January 1, 2019). The Basel III Capital Rules also provide for a “countercyclical capital buffer” that is applicable to only certain covered institutions and does not have any current applicability to the Bank.

The aforementioned capital conservation buffer is designed to absorb losses during periods of economic stress. Banking institutions with a ratio of Common Equity Tier 1 capital to risk‑weighted assets above the minimum but below the conservation buffer (or below the combined capital conservation buffer and countercyclical capital buffer, when the latter is applied) will face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall.

As of December 31, 2018 the most recent notification from the OCC has categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain ratios as set forth in the table. There have been no conditions or events since that notification that management believes have changed the Bank’s category.

The OCC, through formal or informal agreement, has the authority to require an institution to maintain higher capital ratios than those provided by statute, to be categorized as well capitalized under the regulatory framework for prompt corrective action.

The following table presents actual and required capital ratios as of December 31, 2018 and 2017 for the Bank under the Basel III Capital Rules. The minimum required capital amounts presented include the minimum required capital levels as of December 31, 2018 and 2017 based on the phase-in provisions of the Basel III Capital Rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules. Based on recent changes to the Federal Reserve’s definition of a “Small Bank Holding Company” that increased the threshold to $3 billion in assets, the Company is not currently subject to separate minimum capital measurements. At such time as the Company reaches the $3 billion asset level, it will again be subject to capital measurements independent of the Bank. For comparison purposes, the Company’s ratios are presented in the following table as well, all of which would have exceeded the “well-capitalized” level had the Company been subject to separate capital minimums.



Regulatory Capital
	Actual				Minimum Capital Adequacy				To Be Well Capitalized				Full Phase In of Basel III
(Dollar amounts in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2018
The Company
Tier 1 leverage ratio (to average assets)	$	117,220	10.76	%	$	43,575	4.000	%	N/A		N/A		$	43,575	4.00	%
Tier 1 capital (to risk-weighted assets)	117,220		12.95	%	71,259		7.875	%	N/A		N/A		76,914		8.50	%
Common equity tier 1 capital ratio (to risk-weighted assets)	115,158		12.73	%	57,686		6.375	%	N/A		N/A		63,341		7.00	%
Total capital ratio (to risk-weighted assets)	128,544		14.21	%	89,356		9.875	%	N/A		N/A		95,012		10.50	%

The Bank
Tier 1 leverage ratio (to average assets)	$	96,122	9.06	%	$	42,445	4.000	%	$	53,056	5.00	%	$	42,445	4.00	%
Tier 1 capital (to risk-weighted assets)	96,122		11.00	%	68,822		7.875	%	69,914		8.00	%	74,284		8.50	%
Common equity tier 1 capital ratio (to risk-weighted assets)	96,122		11.00	%	55,713		6.375	%	56,805		6.50	%	61,175		7.00	%
Total capital ratio (to risk-weighted assets)	107,061		12.25	%	86,301		9.875	%	87,393		10.00	%	91,763		10.50	%

December 31, 2017
The Company
Tier 1 leverage ratio (to average assets)	$	82,428	8.10	%	$	40,724	4.000	%	N/A		N/A		$	40,724	4.00	%
Tier 1 capital (to risk-weighted assets)	82,428		10.18	%	58,717		7.250	%	N/A		N/A		68,841		8.50	%
Common equity tier 1 capital ratio (to risk-weighted assets)	80,366		9.92	%	46,569		5.750	%	N/A		N/A		56,693		7.00	%
Total capital ratio (to risk-weighted assets)	92,562		11.43	%	74,915		9.250	%	N/A		N/A		85,039		10.50	%

The Bank
Tier 1 leverage ratio (to average assets)	$	86,150	8.55	%	$	40,316	4.000	%	$	50,395	5.00	%	$	40,316	4.00	%
Tier 1 capital (to risk-weighted assets)	86,150		10.78	%	57,928		7.250	%	63,920		8.00	%	67,915		8.50	%
Common equity tier 1 capital ratio (to risk-weighted assets)	86,150		10.78	%	45,943		5.750	%	51,935		6.50	%	55,930		7.00	%
Total capital ratio (to risk-weighted assets)	96,148		12.03	%	73,908		9.250	%	79,900		10.00	%	83,895		10.50	%

- Definition

The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.

+ References

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+ Details

Stock-Based Compensation

12 Months Ended

Dec. 31, 2018

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Stock-Based Compensation

Compensation cost is recognized for stock options and restricted stock awards issued to employees. Compensation cost is measured as the fair value of these awards on their date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used as the fair value of restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option awards and as the restriction period for restricted stock awards. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.

The expense recognition of employee stock option and restricted stock awards resulted in net expense of approximately $723,711 and $625,870 during the years ended December 31, 2018 and 2017, respectively.

All share and per common share amounts have been adjusted to reflect the Stock Split. Refer to Notes 1 and 21 for additional information.

Stock options:

In April 2002, the Company adopted a stock option plan. The plan provides for granting options to purchase shares of common stock to the directors and selected key employees of the Company and the Bank. The options granted to employees are intended to qualify as incentive stock options under Section 422 of the Internal Revenue Code. In August 2017, the Company’s stockholders approved an increase in the number of shares available for grant to 4,173,520, of which 542,215 are available for future grant at December 31, 2018. Option prices are equal to or greater than the estimated fair value of the common stock at the date of grant. Options outstanding vest over a four-year period, whereby 25% of the options become exercisable on each anniversary of the grant date.

Information with respect to options outstanding during the years ended December 31, 2018 and 2017 is as follows:



Stock Options Outstanding
	2018				2017
	Shares		Weighted Average Exercise Price		Shares		Weighted Average Exercise Price
Outstanding at beginning of year	1,363,444		$	8.01	1,599,976		$	6.36
Add: Granted	373,750		11.44		260,600		12.38
Less: Exercised	(230,894	)	5.67		(358,332	)	4.65
Less: Retired on exercise	(37,240	)	5.07		—		—
Less: Expired/cancelled/forfeited	(37,200	)	7.34		(138,800	)	5.87
Outstanding at end of year	1,431,860		$	9.38	1,363,444		$	8.01
Exercisable at end of year	643,610		$	7.78	644,472		$	6.47

The weighted average fair value of options granted during the years ended December 31, 2018 and 2017, was $2.56 and $2.68, respectively.

A summary of information about stock options outstanding is as follows:



Stock Option Summary
	Weighted Average Exercise Price		Average Remaining Life (years)	Outstanding Shares		Exercisable Shares
December 31, 2018
	$	6.63	1.0	283,886		268,886
	7.50		2.0	297,348		207,898
	8.50		3.0	222,276		103,176
	11.38		5.0	354,750		—
	12.38		4.0	266,600		63,650
	12.80		4.8	7,000		—
Total outstanding options	9.38		3.1	1,431,860		643,610
Intrinsic value on December 31, 2018				$	3,178,491	$	2,399,743

December 31, 2017
	$	5.00	1.0	211,952		211,952
	6.63		2.0	323,792		218,868
	7.50		3.0	328,900		154,100
	8.50		4.0	238,200		59,552
	12.38		5.0	260,600		—
Total outstanding options	8.01		2.6	1,363,444		644,472
Intrinsic value on December 31, 2017				$	5,951,363	$	4,271,277

The aggregate intrinsic value as presented in the preceding tables is calculated by determining the difference between the estimated fair value of the stock as of December 31, 2018 and 2017, and the exercise price of the option, then multiply by the number of options outstanding. Stock options with exercise prices greater than the estimated fair value of the stock are not included in this calculation.

At December 31, 2018, there was $1,382,842 of total unrecognized compensation expense related to stock options to be recognized over the next five years. At December 31, 2017, there was $996,283 of total unrecognized compensation expense related to nonvested stock options to be recognized over the next four years.

The intrinsic value of stock options exercised was $1.3 million and $1.2 million during the years ended December 31, 2018 and 2017, respectively.

The weighted average fair value of options granted during 2018 and 2017 were estimated using the Black-Scholes option-pricing model with the following weighted average assumptions:



Stock Option Pricing Assumptions
	2018	2017
Dividend yield	0.00%	0.00%
Risk free interest rate	2.53%	2.20%
Expected volatility	18.94%	18.94%
Expected life in years	5	5

Restricted stock:

The Company from time-to-time also grants shares of restricted stock to key employees. These awards help align the interests of these employees with the interests of the stockholders of the Company by providing economic value directly related to increases in the value of the Company’s stock. These awards typically hold service requirements over various vesting periods. The value of the stock awarded is established as the fair market value of the stock at the time of the grant. The Company recognizes expense, equal to the total value of such awards, ratably over the vesting period of the stock grants.

All restricted stock agreements are conditioned upon continued employment. Termination of employment prior to a vesting date, as described below, would terminate any interest in non-vested shares. All restricted shares will fully vest in the event of change in control of the Company.

Nonvested restricted stock for the years ended December 31, 2018 and 2017 is summarized in the following table.



Restricted Stock Summary
	2018				2017
	Shares		Weighted Average Grant-Date Fair Value		Shares		Weighted Average Grant-Date Fair Value
Nonvested at beginning of year	42,000		$	8.66	52,000		$	7.45
Add: Granted	12,000		12.38		10,000		12.38
Less: Vested	(16,000	)	7.50		(16,000	)	7.50
Less: Forfeited	—		—		(4,000	)	6.88
Nonvested at end of year	38,000		$	10.32	42,000		$	8.66

The vesting schedule of restricted shares as of December 31, 2018 is as follows:



Restricted Stock Vesting Schedule
Year		Shares
2019		18,500
2020		5,500
2021		5,500
2022		5,500
2023		3,000
		38,000

At December 31, 2018 there was $230 thousand of total unrecognized compensation expense related to nonvested restricted stock. At December 31, 2017, there was $244 thousand of total unrecognized compensation expense related to nonvested restricted stock.

Parent Company Financial Information

12 Months Ended

Dec. 31, 2018

Condensed Financial Information Disclosure [Abstract]

Parent Company Financial Information

The balance sheets as of December 31, 2018 and 2017 and statements of income and cash flows for the years then ended, for Capital Bancorp, Inc. (Parent only) are presented below. All share and per common share amounts have been adjusted to reflect the Stock Split. Refer to Note 1 for additional information.



Parent Company Only Balance Sheets

(in thousands)	2018			2017
Assets
Cash and cash equivalents	$	3,768		$	798
Investment in Bank	95,524			85,898
Investment in Church Street Capital	3,284			3,092
Investment in Trust	62			62
Loans receivable, net of allowance for loan losses of $208 and $44 at December 31, 2018 and 2017, respectively	27,032			7,208
Accrued interest receivable	106			83
Due from subsidiaries	54			—
Prepaid income taxes	90			135
Deferred income taxes	18			18
Other assets	134			537
	$	130,072		$	97,831

Liabilities and Stockholders’ Equity
Borrowed funds	$	15,393		$	17,361
Accrued interest payable	81			82
Due to subsidiaries	—			94
Other liabilities	34			175
	15,508			17,712
Stockholders’ equity
Common stock	137			115
Additional paid-in capital	49,321			27,051
Retained earnings	65,701			53,200
Accumulated other comprehensive loss	(595		)	(247		)
Total stockholders’ equity	114,564			80,119
	$	130,072		$	97,831



Parent Company Only Statements of Income

(in thousands)	2018			2017
Interest and dividend revenue	$	577		$	342
Dividend from Bank	4,250			2,450
Total interest and dividend revenue	4,827			2,792
Interest expense	1,071			1,148
Net interest income	3,756			1,644
Provision for loan losses	164			—
Net interest income after provision for loan losses	3,592			1,644
Noninterest income	8			3
Noninterest expenses	(248		)	(137		)
Income before income taxes	3,352			1,510
Income tax benefit	188			308
Income before undistributed net income of subsidiaries	3,540			1,818
Equity in undistributed net income of subsidiaries	9,227			5,291
Net income	$	12,767		$	7,109



Parent Company Only Statements of Cash Flows
(in thousands)	2018			2017
Cash flows from operating activities
Net Income	12,767			7,109
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	164			—
Equity in undistributed income-subsidiary	(9,227		)	(6,380		)
(Increase) decrease in receivable from subsidiary bank	(148		)	144
Stock-based compensation expense	570			506
Director and employee compensation paid in Company stock	496			776
Deferred income tax benefit	(141		)	(239		)
Amortization of debt issuance costs	32			34
Changes in assets and liabilities:
Accrued interest receivable	(23		)	(26		)
Prepaid income taxes and taxes payable	45			69
Other assets	(169		)	(443		)
Accrued interest payable	(1		)	—
Other liabilities	—			18
Net cash provided by operating activities	4,365			1,568

Cash flows from investing activities
Net increase in loans receivable	(19,988		)	(3,558		)
Capital injections to subsidiaries	(367		)	80
Net cash provided by investing activities	(20,355		)	(3,478		)

Cash flows from financing activities
Repayment of debt	(2,000		)	—
Repurchase of common stock	(45		)	(512		)
Proceeds from exercise of stock options	1,043			1,668
Proceeds from shares sold	198			—
Proceeds from initial public offering, net	19,764			—
Net cash provided by financing activities	18,960			1,156

Net increase (decrease) in cash and cash equivalents	2,970			(754		)

Cash and cash equivalents, beginning of year	798			1,552

Cash and cash equivalents, end of year	$	3,768		$	798

Fair Value

12 Months Ended

Dec. 31, 2018

Fair Value Disclosures [Abstract]

Fair Value

accepted accounting principles define fair value, establish a framework for measuring fair value, recommend disclosures about fair value, and establish a hierarchy for determining fair value measurement. The hierarchy includes three levels and is based upon the valuation techniques used to measure assets and liabilities. The three levels are as follows:

Level 1 - Inputs to the valuation method are quoted prices (unadjusted) for identical assets or liabilities in active markets;

Level 2 - Inputs to the valuation method include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument; and

Level 3 - Inputs to the valuation method are unobservable and significant to the fair value measurement.

Fair value measurements on a recurring basis

Investment securities available for sale - The fair values of the Company's investment securities available for sale are provided by an independent pricing service. The fair values of the Company's securities are determined based on quoted prices for similar securities under Level 2 inputs.

Loans held for sale - The fair value of loans held for sale is determined using Level 2 inputs of quoted prices for a similar asset, adjusted for specific attributes of that loan.

Derivative financial instruments - Derivative instruments used to hedge residential mortgage loans held for sale and the related interest rate lock commitments include forward commitments to sell mortgage loans and are reported at fair value utilizing Level 2 inputs. The fair values of derivative financial instruments are based on derivative market data inputs as of the valuation date and the underlying value of mortgage loans for rate lock commitments.

The interest rate swap is reported at fair value utilizing Level 2 inputs. The Company obtains dealer quotations to value its swap. For purposes of potential valuation adjustments to its derivative position, the Company evaluates the credit risk of its counterparty. Accordingly, the Company has considered factors such as the likelihood of default by the counterparty and the remaining contractual life, among other things, in determining if any fair value adjustment related to credit risk is required.

The Company has categorized its financial instruments measured at fair value on a recurring basis as of December 31, 2018 and December 31, 2017 as follows:



Fair Value of Financial Instruments
(in thousands)	Total		Level 1 Inputs		Level 2 Inputs		Level 3 Inputs
December 31, 2018	Total		Level 1 Inputs		Level 2 Inputs		Level 3 Inputs
Investment securities available for sale
U.S. government-sponsored enterprises	$	17,360	$	—	$	17,360	$	—
Municipal	501		—		501		—
Corporate	2,885		—		2,885		—
Mortgage-backed securities	26,186		—		26,186		—
	$	46,932	$	—	$	46,932	$	—
Loans held for sale	$	18,526	$	—	$	18,526	$	—
Derivative assets	$	112	$	—	$	112	$	—
Derivative liabilities	$	253	$	—	$	253	$	—

December 31, 2017
Investment securities available for sale
U.S. government-sponsored enterprises	$	17,370	$	—	$	17,370	$	—
Municipal	516		—		516		—
Corporate	3,076		—		3,076		—
Mortgage-backed securities	33,067		—		33,067		—
	$	54,028	$	—	$	54,028	$	—
Loans held for sale	$	26,344	$	—	$	26,344	$	—
Derivative assets	$	100	$	—	$	100	$	—
Derivative liabilities	$	42	$	—	$	42	$	—

Financial instruments recorded using FASB ASC 825-10

Under FASB ASC 825-10, the Company may elect to report most financial instruments and certain other items at fair value on an instrument-by-instrument basis with changes in fair value reported in net income. After the initial adoption, the election is made at the acquisition of an eligible financial asset, financial liability or firm commitment or when certain specified reconsideration events occur. The fair value election, with respect to an item, may not be revoked once an election is made.

The following table reflects the difference between the fair value carrying amount of loans held for sale, measured at fair value under FASB ASC 825-10, and the aggregate unpaid principal amount the Company is contractually entitled to receive at maturity:



Fair Value of Loans Held for Sale
(in thousands)
	2018		2017
Loans held for sale
Aggregate fair value	$	18,526	$	26,344
Contractual principal	17,822		25,637
Difference	$	704	$	707

As of December 31, 2018 and December 31, 2017, the Company elected to account for loans held for sale at fair value to eliminate the mismatch that would occur by recording changes in market value on derivative instruments used to hedge loans held for sale while carrying the loans at the lower of cost or market.

Fair value measurements on a nonrecurring basis

Impaired loans - The Company has measured impairment generally based on the fair value of the loan's collateral and discounted cash flow analysis. Fair value is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the expected proceeds. These assets are included as Level 3 fair values. As of December 31, 2018 and December 31, 2017, the fair values consist of loan balances of $4.4 million and $8.2 million, with valuation allowances of $262 thousand and $60 thousand, respectively.

Foreclosed real estate - The Company's foreclosed real estate is measured at fair value less cost to sell. Fair value was determined based on offers and/or appraisals. Cost to sell the real estate was based on standard market factors. The Company has categorized its foreclosed real estate as Level 3.



Fair Value of Impaired Loans and Foreclosed Real Estate
(in thousands)
	2018		2017
Impaired loans
Level 1 Inputs	$	—	$	—
Level 2 Inputs	—		—
Level 3 Inputs	4,093		8,170
Total	$	4,093	$	8,170

Foreclosed real estate
Level 1 Inputs	$	—	$	—
Level 2 Inputs	—		—
Level 3 Inputs	142		93
Total	$	142	$	93

The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at December 31, 2018 and 2017:



	Inputs
	Valuation Technique	Unobservable Inputs	General Range of Inputs
	Valuation Technique	Unobservable Inputs	General Range of Inputs
Impaired Loans	Appraised Value/Discounted Cash Flows	Discounts to appraisals or cash flows for estimated holding and/or selling costs	0 - 25%
Foreclosed Real Estate	Appraised Value/Comparable Sales	Discounts to appraisals for estimated holding and/or selling costs	0 - 25%

Fair value of financial instruments

Fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practical to estimate the value is based upon the characteristics of the instruments and relevant market information. Financial instruments include cash, evidence of ownership in an entity, or contracts that convey or impose on an entity that contractual right or obligation to either receive or deliver cash for another financial instrument.

The information used to determine fair value is highly subjective and judgmental in nature and, therefore, the results may not be precise. Subjective factors include, among other things, estimates of cash flows, risk characteristics, credit quality, and interest rates, all of which are subject to change. Since the fair value is estimated as of the balance sheet date, the amounts that will actually be realized or paid upon settlement or maturity on these various instruments could be significantly different.

During the first quarter of 2018, the Company adopted ASU 2016-01, “Recognition and Measurement of Financial Assets and Liabilities.” The amendments included within this standard, which are applied prospectively, require the Company to disclose fair value of financial instruments measured at amortized cost on the balance sheet and to measure that fair value using an exit price notion. Prior to adopting the amendments included in the standard, the Company was allowed to measure fair value under an entry price notion. The entry price notion previously applied by the Company used a discounted cash flows technique to calculate the present value of expected future cash flows for a financial instrument. The exit price notion uses the same approach, but also incorporates other factors, such as enhanced credit risk, illiquidity risk, and market factors that sometimes exist in exit prices in dislocated markets.

As of December 31, 2018, the technique used by the Company to estimate the exit price of the loan portfolio consists of similar procedures to those used as of December 31, 2017, but with added emphasis on both illiquidity risk and credit risk not captured by the previously applied entry price notion. The fair value of the Company’s loan portfolio has always included a credit risk assumption in the determination of the fair value of its loans. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The Company’s loan portfolio is initially fair valued using a segmented approach. The Company divides its loan portfolio into the following categories: variable rate loans, impaired loans, and all other loans. The results are then adjusted to account for credit risk as described above. However, under the new guidance, the Company believes a further credit risk discount must be applied through the use of a discounted cash flow model to compensate for illiquidity risk, based on certain assumptions included within the discounted cash flow model, primarily the use of discount rates that better capture inherent credit risk over the lifetime of a loan. This consideration of enhanced credit risk provides an estimated exit price for the Company’s loan portfolio.

For variable-rate loans that reprice frequently and have no significant change in credit risk, fair values approximate carrying values. Fair values for impaired loans are estimated using discounted cash flow models or based on the fair value of the underlying collateral.

The fair value of cash and cash equivalents, interest bearing deposits at other financial institutions, federal funds sold and restricted investments is the carrying amount. Restricted stock includes equity of the Federal Reserve and other banker’s banks.

The fair value of noninterest bearing deposits and securities sold under agreements to repurchase is the carrying amount.

The fair value of checking and savings deposits, and money market accounts, is the amount payable on demand at the reporting date. Fair value of fixed maturity term accounts and individual retirement accounts is estimated using rates currently offered for accounts of similar remaining maturities.

The fair value of certificates of deposit in other financial institutions is estimated based on interest rates currently offered for deposits of similar remaining maturities.

The fair value of borrowings is estimated by discounting the value of contractual cash flows using current market rates for borrowings with similar terms and remaining maturities.

The fair value of outstanding loan commitments, unused lines of credit, and letters of credit are not included in the table since the carrying value generally approximates fair value. These instruments generate fees that approximate those currently charged to originate similar commitments.

The table below presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments (in thousands).



Fair Value of Financial Assets and Liabilities
	December 31, 2018				December 31, 2017
(in thousands)	Carrying Amount		Fair Value		Carrying Amount		Fair Value
Financial assets
Level 1
Cash and due from banks	$	10,431	$	10,431	$	8,189	$	8,189
Interest bearing deposits at other financial institutions	22,007		22,007		40,356		40,356
Federal funds sold	2,285		2,285		3,766		3,766
Restricted investments	2,503		2,503		2,369		2,369
Level 3
Loans receivable, net	$	988,960	$	979,058	$	877,387	$	872,446

Financial liabilities
Level 1
Noninterest bearing deposits	$	242,259	$	242,259	$	196,635	$	196,635
Securities sold under agreements to repurchase	3,332		3,332		11,260		11,260
Level 3
Interest bearing deposits	712,981		711,876		708,264		702,930
FHLB advances and other borrowed funds	19,393		19,447		19,361		19,413

- 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

Litigation	12 Months Ended
Litigation	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
Litigation	Litigation The Bank, along with two other banking institutions, is a defendant in a lawsuit currently pending in the Circuit Court for Montgomery County, Maryland (Case No. 426478V). The three counts pled are (i) aiding and abetting fraudulent misrepresentation, (ii) aiding and abetting fraudulent concealment and (iii) abetting constructive fraud. The three defendants filed motions for summary judgment, which were each denied by the Circuit Court in mid-March 2019. The trial for this matter has been set for April 29, 2019 and mediation is scheduled for April 9, 2019. The Bank and the other named defendants dispute plaintiff’s allegations, as well as plaintiff’s statements of the underlying factual circumstances, and believe these claims are without merit. The defendants plan to vigorously defend this case. The Bank has insurance policies that will provide coverage on this case, and the related insurance carrier has been advised of these claims. However, if the case is not settled and goes to trial where there is a finding of fraud, the Bank’s insurance carrier has issued a reservation of rights letter and may deny coverage. At this time, the Company cannot predict the outcome of this legal proceeding or estimate its impact on the Company’s financial condition or results of operations. However, based on discussions with outside legal counsel regarding the merits of this lawsuit, management believes there is a reasonable possibility that if there is an adverse judgment entered against the Bank, such judgment may be up to $4.0 million. In addition to the lawsuit described above, the Company is involved in legal proceedings occurring in the ordinary course of business. Based on an assessment of the merits of the lawsuit described above by litigation counsel, management believes that neither the lawsuit described above nor any legal proceedings occurring in the ordinary course of business, individually or in the aggregate, will have a material adverse impact on the results of operations or financial condition of the Company.

Quarterly Results of Operations (unaudited)

12 Months Ended

Dec. 31, 2018

Quarterly Financial Information Disclosure [Abstract]

Quarterly Results of Operations (unaudited)

The following table presents condensed unaudited information relating to quarterly periods in 2018 and 2017. All share and per common share amounts have been adjusted to reflect the Stock Split. Refer to Note 1 for additional information.



Quarterly Results of Operations
(in thousands)
	2018								2017
	Dec 31		Sep 30		Jun 30		Mar 31		Dec 31			Sep 30		Jun 30		Mar 31
Interest Income	$	18,238	$	17,447	$	16,778	$	16,664	$	14,679		$	15,003	$	14,211	$	12,773
Interest Expense	3,348		2,955		2,657		2,279		2,117			2,044		1,866		1,728
Net Interest Income	14,890		14,492		14,121		14,385		12,562			12,959		12,345		11,045
Provision for Loan Losses	500		495		630		515		785			700		620		550
Noninterest Income	3,466		4,240		4,340		4,078		3,024			4,901		4,342		2,883
Noninterest Expense	13,094		13,900		13,529		13,600		13,385			12,180		11,387		10,355
Income Before Provision for Income Taxes	4,762		4,337		4,302		4,348		1,416			4,980		4,680		3,023
Provision for Income Taxes	1,276		1,190		1,158		1,358		2,062			1,941		1,822		1,164
Net Income (Loss)	$	3,486	$	3,147	$	3,144	$	2,990	$	(646	)	$	3,039	$	2,858	$	1,859

Basic earnings (losses) per common share	$	0.26	$	0.27	$	0.26	$	0.26	$	(0.06	)	$	0.27	$	0.26	$	0.17
Diluted earnings (losses) per common share	$	0.25	$	0.26	$	0.26	$	0.25	$	(0.06	)	$	0.27	$	0.25	$	0.17

Nature of Business and Basis of Presentation (Policies)	12 Months Ended
Nature of Business and Basis of Presentation (Policies)	Dec. 31, 2018
Accounting Policies [Abstract]
Nature of operations	Nature of operations: Capital Bancorp, Inc., is a Maryland corporation and bank holding company (the “Company”) for Capital Bank, N.A. (the “Bank”). The Company's primary operations are conducted by the Bank, which operates branches in Rockville, Columbia and North Bethesda, Maryland, Reston, Virginia, and the District of Columbia. The Bank is principally engaged in the business of investing in commercial, real estate, and credit card loans and attracting deposits. We conduct mortgage business through Church Street Mortgage, our residential mortgage banking arm; and credit card business through OpenSky®, a secured, digitally-driven nationwide credit card platform. The Bank also originates residential mortgages for sale in the secondary market. The Company formed Church Street Capital, LLC (“Church Street Capital”) in 2014 to provide short-term secured real estate financing to Washington, D.C. area investors and developers that may not meet all Bank credit criteria.
Basis of presentation	Basis of presentation: The accompanying consolidated financial statements include the activity of the Company and its wholly-owned subsidiaries, the Bank and Church Street Capital. All intercompany transactions have been eliminated in consolidation. The Company reports its activities as a single business segment. In determining the appropriateness of segment definition, the Company considers components of the business about which financial information is available and regularly evaluated relative to resource allocation and performance assessment. The accompanying consolidated financial statements have been prepared in accordance with accounting principals generally accepted in the United States of America (“GAAP”), and conform to general practices within the banking industry.
Cash and cash equivalents	Cash and cash equivalents For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest bearing deposits with banks and federal funds sold. Generally, federal funds are sold for one-day periods.
Investment securities	Investment securities Investment securities are classified as available for sale and carried at fair value with unrealized gains and losses included in stockholders’ equity on an after-tax basis. Premiums and discounts on investment securities are amortized or accreted using the interest method. Changes in the fair value of debt securities available for sale are included in stockholder’s equity as unrealized gains and losses, net of the related tax effect. Unrealized losses are periodically reviewed to determine whether the loss represents an other than temporary impairment. Any unrealized losses judged to be other than a temporary impairment will be charged to income.
Loans held for sale	Loans held for sale Mortgage loans originated and intended for sale are recorded at fair value, determined individually, as of the balance sheet date. Fair value is determined based on outstanding investor commitments, or in the absence of such commitments, based on current investor yield requirements. Gains and losses on loan sales are determined by the specific-identification method. The Company’s current practice is to sell residential mortgage loans on a servicing released basis, and, therefore, it has no intangible asset recorded for the value of such servicing. Interest on loans held for sale is credited to income based on the principal amounts outstanding. Upon sale and delivery, loans are legally isolated from the Company and the Company has no ability to restrict or constrain the ability of third‑party investors to pledge or exchange the mortgage loans. The Company does not have the entitlement or ability to repurchase the mortgage loans or unilaterally cause third‑party investors to put the mortgage loans back to the Company. Unrealized and realized gains on loan sales are determined using the specific-identification method and are recognized through mortgage banking activity in the Consolidated Statements of Income. The Company elected to measure loans held for sale at fair value to better align reported results with the underlying economic changes in value of the loans on the Company’s balance sheet.
Loans and Allowance for Loan Losses	Loans and the Allowance for Loan Losses Loans are stated at the principal amount outstanding, adjusted for deferred origination fees, deferred origination costs, discounts on loans acquired, and the allowance for loan losses. Interest is accrued based on the loan principal balances and stated interest rates. Origination fees and costs are recognized as an adjustment to the related loan yield using approximate interest methods. The Company discontinues the accrual of interest when any portion of the principal and interest is 90 days past due and collateral is insufficient to discharge the debt in full. Generally, interest payments on nonaccrual loans are recorded as a reduction of the principal balance. Loans are considered impaired when, based on current information, management believes the Company will not collect all principal and interest payments according to contractual terms. Generally, loans are reviewed for impairment when the risk grade for a loan is downgraded to a classified asset category. The loans are evaluated for appropriate classification, accrual, impairment, and troubled debt restructure status. If collection of principal is evaluated as doubtful, all payments are applied to principal. A modification of a loan is considered a TDR when a borrower is experiencing financial difficulty and the modification constitutes a concession. The Company may consider interest rate reductions, changes to payment terms, extensions of maturities and/or principal reductions. Loans are generally charged-off in part or in full when management determines the loan to be uncollectible. Factors for charge-off that may be considered include: repayments deemed to be projected beyond reasonable time frames, client bankruptcy and lack of assets, and/or collateral deficiencies. The allowance for loan losses is estimated to adequately provide for probable future losses on existing loans. The allowance consists of specific and general components. For loans that are classified as impaired, an allowance is established when the collateral value, if the loan is collateral dependent, or the discounted cash flows of the impaired loan is lower than the carrying value of that loan. The general component covers pools of nonclassified loans and is based on historical loss experience adjusted for qualitative factors. There may be an unallocated component of the allowance, which reflects the margin of imprecision inherent in the underlying assumptions used in the method for estimating specific and general losses in the portfolio. Actual loan performance may differ from those estimates. A loss is recognized as a charge to the allowance when management believes that collection of the loan is unlikely. Collections of loans previously charged off are added to the allowance at the time of recovery. We determine the allowance for loan losses based on the accumulation of various components that are calculated independently in accordance with ASC 450 for pools of loans, ASC 310 for Troubled Debt Restructuring, and ASC 310 for individually evaluated loans. The process for determining an appropriate allowance for loan losses is based on a comprehensive, well-documented, and consistently applied analysis of the loan portfolio. The analysis considers all significant factors that affect the collectibility of the portfolio and supports the credit losses estimated by this process. It is important to recognize that the related process, methodology, and underlying assumptions require a substantial degree of judgment.
Premises and equipment	Premises and equipment Premises and equipment are stated at cost less accumulated depreciation and amortization over two to seven years. Depreciation and amortization are computed using the straight-line method over the estimated useful lives of the related property. Leasehold improvements are amortized over the estimated useful lives of the improvements, approximately ten years, or the term of the lease, whichever is less. Expenditures for maintenance, repairs, and minor replacements are charged to noninterest expenses as incurred.
Derivative Financial Instruments	Derivative Financial Instruments The Company enters into commitments to fund residential mortgage loans (interest rate locks) with the intention of selling them in the secondary market. The Company also enters into forward sales agreements for certain funded loans and loan commitments. The Company records unfunded commitments intended for loans held for sale and forward sales agreements at fair value with changes in fair value recorded as a component of mortgage banking revenue. Loans originated and intended for sale in the secondary market are carried at fair value. For pipeline loans which are not pre-sold to an investor, the Company manages the interest rate risk on rate lock commitments by entering into forward sale contracts, whereby the Company obtains the right to deliver securities to investors in the future at a specified price. Such contracts are accounted for as derivatives and are recorded at fair value as derivative assets or liabilities, with changes in fair value recorded in mortgage banking revenue. The Company accounts for derivative instruments and hedging activities according to guidelines established in Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 815-10, Accounting for Derivative Instruments and Hedging Activities, as amended. The Company recognizes all derivatives as either assets or liabilities on the balance sheet and measures those instruments at fair value. Changes in fair value of derivatives designated and accounted for as cash flow hedges, to the extent they are effective as hedges, are recorded in other comprehensive income, net of deferred taxes. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.
Fair Value Measurements	Fair Value Measurements Fair value is the price that would be received to sell an asset or paid to transfer a liability in the principal or most advantageous market for an asset or liability in an orderly transaction between market participants at the measurement date. The degree of management judgment involved in determining the fair value of a financial instrument is dependent upon the availability of quoted market prices or observable market inputs. For financial instruments that are traded actively and have quoted market prices or observable market inputs, there is minimal subjectivity involved in measuring fair value. However, when quoted market prices or observable market inputs are not fully available, significant management judgment may be necessary to estimate fair value. In developing our fair value estimates, we maximize the use of observable inputs and minimize the use of unobservable inputs. The fair value hierarchy defines Level 1 valuations as those based on quoted prices (unadjusted) for identical assets or liabilities in active markets. Level 2 valuations include inputs based on quoted prices for similar assets or liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. Level 3 valuations are based on at least one significant assumption not observable in the market, or significant management judgment or estimation, some of which may be internally developed. Financial assets that are recorded at fair value on a recurring basis include investment securities available for sale, loans held for sale, and derivative financial instruments. Financial liabilities that are recorded at fair value on a recurring basis are comprised of derivative financial instruments. See the Fair Value note to our consolidated financial statements.
Income Taxes	Income Taxes Deferred tax assets and liabilities are determined based on the difference between the financial statement and tax bases of assets and liabilities, using enacted tax rates in effect for the year in which the differences are expected to reverse. Deferred tax assets are recognized when it is deemed more likely than not that the benefits of such deferred income taxes will be realized.
Earnings per share	Earnings per share: Earnings per share is computed by dividing net income available to common stockholders by the weighted average number of shares outstanding. Diluted earnings per share is computed by dividing net income by the weighted average number of common shares outstanding, adjusted for the dilutive effect of stock options and restricted stock using the treasury stock method.
Comprehensive income	Comprehensive income: The Company reports as comprehensive income all changes in stockholders' equity during the year from sources other than stockholders. Other comprehensive income refers to all components (income, expenses, gains, and losses) of comprehensive income that are excluded from net income. The Company's only two components of other comprehensive income are unrealized gains and losses on investment securities available for sale, net of income taxes, and unrealized gains and losses on cash flow hedges, net of income taxes.
Recently issued accounting pronouncements	Recently issued accounting pronouncements: In May 2014, the FASB issued guidance to change the recognition of revenue from contracts with customers. The core principle of the new guidance is that an entity should recognize revenue to reflect the transfer of goods and services to customers in an amount equal to the consideration the entity receives or expects to receive. The guidance became effective for the Company on January 1, 2018. The Company applied the guidance using a modified retrospective approach. The Company’s revenue is comprised of net interest income and noninterest income. The scope of the guidance explicitly excludes net interest income as well as many other revenues for financial assets and liabilities including loans, leases, securities, and derivatives. Accordingly, the majority of our revenues were not affected. The Company performed an assessment of our revenue contracts related to revenue streams that are within the scope of the standard. Our accounting policies did not change materially since the principles of revenue recognition from the Accounting Standards Update (“ASU”) are largely consistent with existing practices and guidance applied by our businesses. The Company has not identified material changes to the timing or amount of revenue recognition for deposit service charges, credit card fees and mortgage banking fees. Deposit service charges are based on customer transaction activity and are recognized either daily or monthly when the activity occurs. Credit card fees are recognized monthly according to guidance for receivables and deferred fees. Revenue for mortgage banking is recognized monthly within the scope of other guidance for transfers and servicing, and derivatives and hedging. As such, the Company does not consider the guidance to have a material effect on its financial statements. In January 2016, the FASB amended the Financial Instruments topic of the ASC to address certain aspects of recognition, measurement, presentation, and disclosure of financial instruments. The amendment became effective January 1, 2018 and did not have a material effect on the financial statements. As discussed in Note 16, the Company measured the fair value of its loan portfolio using an exit price notion as of December 31, 2018. In February 2016, the FASB amended the Leases topic of the ASC to revise certain aspects of recognition, measurement, presentation, and disclosure of leasing transactions. The amendments will be effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. In February 2016, the FASB issued guidance on leases. The standard requires a lessee to recognize assets and liabilities on the balance sheet for leases with lease terms greater than 12 months, and is effective for fiscal years after December 15, 2018. In July 2018, new guidance was issued to provide an additional transition method that allow entities to not apply this new guidance in the comparative periods presented in the financial statements and instead recognize a cumulative effect adjustment to the beginning retained earnings at the date of application. The Company assessed this guidance and collected relevant terms for each of its lease agreements. The Company concluded that all of its leases will be classified as operating leases. The Company has estimated its Lease Liability and Right of Use Asset will be in the range of approximately $4.9 million to $5.2 million, with an expected reduction to retained earnings of approximately $50 thousand. The Company does not expect that the adoption of the new standard will have a material impact on its Consolidated Statements of Income. In March 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify the implementation guidance on principal versus agent considerations and address how an entity should assess whether it is the principal or the agent in contracts that include three or more parties. The amendments became effective for the Company on January 1, 2018 and did not have a material effect on its financial statements. In June 2016, the FASB issued guidance to change the accounting for credit losses and modify the impairment model for certain debt securities. The amendments will be effective for the Company for reporting periods beginning after December 15, 2019. Early adoption is permitted for all organizations for periods beginning after December 15, 2018. The Company will apply the amendments to the ASU through a cumulative-effect adjustment to retained earnings as of the beginning of the year of adoption. While early adoption is permitted beginning in first quarter 2019, the Company does not expect to elect that option. The Company is evaluating the impact of the ASU on the consolidated financial statements. In addition to our allowance for loan losses, the Company will also record an allowance for credit losses on debt securities instead of applying the impairment model currently utilized. The amount of the adjustments will be impacted by each portfolio’s composition and credit quality at the adoption date as well as economic conditions and forecasts at that time. In February 2017, the FASB amended the Other Income Topic of the ASC to clarify the scope of the guidance on nonfinancial asset derecognition as well as the accounting for partial sales of nonfinancial assets. The amendments conform the derecognition guidance on nonfinancial assets with the model for transactions in the new revenue standard. The amendments became effective for the Company on January 1, 2018 and did not have a material effect on its financial statements. In March 2017, the FASB amended the Receivables topic of the ASC to eliminate the current diversity in practice with respect to the amortization period for certain purchased callable debt securities held at a premium. The amendments in this update shorten the amortization period for the premium to the earliest call date. This guidance is effective for the Company beginning after December 15, 2019. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements. In May 2017, the FASB amended the requirements in the Compensation-Stock Compensation Topic of the ASC related to changes to the terms or conditions of a share-based payment award. The amendments provide guidance about which changes to the terms or conditions of a share-based payment award require an entity to apply modification accounting. The amendments were effective for the Company on January 1, 2018 and did not have a material effect on its financial statements. In August 2017, the FASB amended the requirements of the Derivatives and Hedging Topic of the Accounting Standards Codification to improve the financial reporting of hedging relationships to better portray the economic results of an entity’s risk management activities in its financial statements. The amendments will be effective for the Company for interim and annual periods beginning after December 15, 2018. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements. In February 2018, the FASB amended the Income Statement – Reporting Comprehensive Income Topic of the ASC. The amendments allow a reclassification from accumulated other comprehensive income to retained earnings for stranded tax effects resulting from the Tax Act. The Company has early adopted this pronouncement by retrospective application to each period in which the effect of the change in the tax rate under the Tax Act is recognized. The impact of the reclassification from other comprehensive income to retained earnings was included in the Statement of Changes in Stockholders’ Equity as of December 31, 2017. In March 2018, the FASB updated the Income Taxes Topic of the ASC. The amendments incorporate recent SEC guidance related to the income tax accounting implications of the Tax Cuts and Jobs Act. The amendments were effective upon issuance and did not have a material effect on its financial statements. In June 2018, the FASB amended the Compensation-Stock Compensation Topic of the Accounting Standards Codification. The amendments expand the scope of Topic 718 to include share-based payment transactions for acquiring goods and services from nonemployees. The amendments are effective for fiscal years beginning after December 15, 2018, including interim periods within that fiscal year. Early adoption is permitted, but no earlier than an entity’s adoption date of Topic 606. The Company does not expect these amendments to have a material effect on its financial statements. In August 2018, the FASB amended the Fair Value Measurement Topic 820 disclosure framework. These amendments include additions, removals and modifications to the fair value disclosure requirements in Topic 820, and are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted on removed or modified disclosures. The Company does not expect these amendments to have a material effect on its financial statements. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company's financial position, results of operations or cash flows.
Reclassifications	Reclassifications: Certain reclassifications have been made to the amounts reported in prior periods to conform to the current period presentation. The reclassifications had no effect on net income or total stockholders' equity.

Nature of Business and Basis of Presentation (Tables)

12 Months Ended

Dec. 31, 2018

Accounting Policies [Abstract]

Schedule of Earnings Per Share, Basic and Diluted

The following is a reconciliation of the numerators and denominators used in computing basic and diluted earnings per common share as adjusted for the Stock Split:



	For the Years Ended December 31,
	2018					2017
(dollars in thousands, except per share information)	Income		Weighted Average Shares	Per Share Amount		Income		Weighted Average Shares	Per Share Amount
Basic EPS
Net income available to common stockholders	$	12,767	12,116,459	$	1.05	$	7,109	11,261,132	$	0.63
Effect of dilutive securities	—		345,679			—		166,868
Dilutive EPS per common share	$	12,767	12,462,138	$	1.02	$	7,109	11,428,000	$	0.62

Schedule of Accumulated Other Comprehensive Income (Loss)

Information concerning the Company's accumulated other comprehensive income (loss) as of December 31, 2018, and 2017 are as follows (in thousands):



	For the Years Ended December 31,
(in thousands)	2018			2017
Unrealized losses on securities available for sale	$	(825	)	$	(348	)
Deferred tax benefit	227			97
Other comprehensive loss, net of tax	(598		)	(251		)
Unrealized gains on cash flow hedges	5			6
Deferred tax expense	(2		)	(2		)
Other comprehensive income, net of tax	3			4
Total accumulated comprehensive loss	$	(595	)	$	(247	)

Investment Securities (Tables)

12 Months Ended

Dec. 31, 2018

Investments, Debt and Equity Securities [Abstract]

Unrealized Gain (Loss) on Investments

The amortized cost and estimated fair value of investment securities at December 31, 2018 and 2017 are summarized as follows (in thousands):



Investment Securities Available for Sale
	Amortized Cost		Unrealized Gains		Unrealized Losses			Fair Value
(in thousands)	Amortized Cost		Unrealized Gains		Unrealized Losses			Fair Value
December 31, 2018
U.S. government-sponsored enterprises	$	17,496	$	—	$	(136	)	$	17,360
Municipal	517		—		(16		)	501
Corporate	2,908		28		(51		)	2,885
Mortgage-backed securities	26,836		46		(696		)	26,186
	$	47,757	$	74	$	(899	)	$	46,932

December 31, 2017
U.S. government-sponsored enterprises	$	17,489	$	1	$	(120	)	$	17,370
Municipal	518		—		(3		)	515
Corporate	3,060		67		(50		)	3,077
Mortgage-backed securities	33,310		179		(422		)	33,067
	$	54,377	$	247	$	(595	)	$	54,029

Schedule of Investment Portfolio in Continuous Unrealized Loss Position, Fair Value

Information related to unrealized losses in the investment portfolio as of December 31, 2018 and 2017 are as follows (in thousands):



Investment Securities Unrealized Losses
	Less than 12 months					12 months or longer					Total
	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
(in thousands)	Fair Value		Unrealized Losses			Fair Value		Unrealized Losses			Fair Value		Unrealized Losses
December 31, 2018
U.S. government-sponsored enterprises	$	496	$	(2	)	$	16,864	$	(134	)	$	17,360	$	(136	)
Municipal	—		—			501		(16		)	501		(16		)
Corporate	—		—			857		(51		)	857		(51		)
Mortgage-backed securities	2,294		(7		)	21,037		(689		)	23,331		(696		)
	$	2,790	$	(9	)	$	39,259	$	(890	)	$	42,049	$	(899	)

December 31, 2017
U.S. government-sponsored enterprises	$	8,967	$	(26	)	$	7,906	$	(94	)	$	16,873	$	(120	)
Municipal	515		(3		)	—		—			515		(3		)
Corporate	—		—			1,010		(50		)	1,010		(50		)
Mortgage-backed securities	11,204		(165		)	13,645		(257		)	24,849		(422		)
	$	20,686	$	(194	)	$	22,561	$	(401	)	$	43,247	$	(595	)

Schedule Of Pledged Securities

A summary of pledged securities at December 31, 2018 and 2017 are shown below:



Pledged Securities
	For the Years Ended December 31,
	2018				2017
(in thousands)	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Securities sold under agreements to repurchase	$	16,032	$	15,862	$	14,405	$	14,475
Federal Home Loan Bank advances	6,713		6,662		7,433		7,454
	$	22,745	$	22,524	$	21,838	$	21,929

Investments Classified by Contractual Maturity Date



Investment Securities - Contractual Maturities
	For the Years Ended December 31,
	2018				2017
(in thousands)	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Within one year	$	16,496	$	16,377	$	—	$	—
Over one to five years	1,000		983		17,489		17,370
Over five to ten years	2,000		2,028		2,518		2,582
Over ten years	1,425		1,358		1,060		1,010
Mortgage-backed securities⁽¹⁾	26,836		26,186		33,310		33,067
	$	47,757	$	46,932	$	54,377	$	54,029

_______________


⁽¹⁾	Mortgage-backed securities are due in monthly installments.

Loans Receivable (Tables)

12 Months Ended

Dec. 31, 2018

Receivables [Abstract]

Schedule of Loans Receivable

Major categories of loans are as follows:



Loan Categories
	For the Years Ended December 31,
(in thousands)	2018			2017
Real estate:
Residential	$	407,844		$	342,684
Commercial	278,691			259,853
Construction	157,586			144,932
Commercial	122,264			108,982
Credit card	34,673			31,507
Other consumer	1,202			1,053
	1,002,260			889,011
Deferred origination fees, net	(1,992		)	(1,591		)
Allowance for loan losses	(11,308		)	(10,033		)
Loans receivable, net	$	988,960		$	877,387

Schedule Of Activity In Accretable Discounts On Loans Acquired

The activity in the accretable discounts on loans acquired was as follows:



Accretable Discounts on Loans Acquired
	For the Years Ended December 31,
(in thousands)	2018			2017
Accretable discount at beginning of period	$	543		$	676
Less: Accretion and payoff of loans	(105		)	(133		)
Accretable discount at end of period	$	438		$	543

Allowance for Credit Losses on Loans Receivables



Allowance for Loan Losses
(in thousands)			Provision for Loan Losses										Allowance for Loan Losses Ending Balance Evaluated for Impairment:				Outstanding Loan Balances Evaluated for Impairment:
December 31, 2018	Beginning Balance		Provision for Loan Losses			Charge-Offs			Recoveries		Ending Balance		Individually		Collectively		Individually		Collectively
Real estate:
Residential	$	3,137	$	522		$	(121	)	$	3	$	3,541	$	—	$	3,541	$	2,120	$	405,724
Commercial	2,860		13			(22		)	152		3,003		—		3,003		1,486		277,205
Construction	1,646		447			—			—		2,093		—		2,093		—		157,586
Commercial	1,497		194			(147		)	34		1,578		262		1,316		749		121,515
Credit card	885		963			(806		)	42		1,084		—		1,084		—		34,673
Other consumer	8		1			—			—		9		—		9		—		1,202
	$	10,033	$	2,140		$	(1,096	)	$	231	$	11,308	$	262	$	11,046	$	4,355	$	997,905

December 31, 2017
Real estate:
Residential	$	2,664	$	664		$	(191	)	$	—	$	3,137	$	—	$	3,137	$	1,766	$	340,918
Commercial	2,682		375			(312		)	115		2,860		—		2,860		4,293		255,560
Construction	1,591		55			—			—		1,646		—		1,646		627		144,305
Commercial	1,174		345			(25		)	3		1,497		60		1,437		1,544		107,438
Credit card	477		1,217			(1,124		)	315		885		—		885		—		31,507
Other consumer	9		(1		)	—			—		8		—		8		—		1,053
	$	8,597	$	2,655		$	(1,652	)	$	433	$	10,033	$	60	$	9,973	$	8,230	$	880,781

Past Due Loans Receivables

Past due loans, segregated by age and class of loans, as of December 31, 2018 and 2017 were as follows:



Loans Past Due	Loans 30-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Loans		Accruing Loans 90 or More days Past Due		Nonaccrual Loans

(in thousands)
December 31, 2018
Real estate:
Residential	$	1,070	$	2,081	$	3,151	$	404,693	$	407,844	$	235	$	2,207
Commercial	1,746		1,431		3,177		275,514		278,691		—		1,486
Construction	—		—		—		157,586		157,586		—		—
Commercial	612		398		1,010		121,254		122,264		—		749
Credit card	3,771		2		3,773		30,900		34,673		2		—
Other consumer	—		—		—		1,202		1,202		—		—
	$	7,199	$	3,912	$	11,111	$	991,149	$	1,002,260	$	237	$	4,442

Acquired loans included above	$	521	$	488	$	1,009	$	7,275	$	8,284	$	235	$	582

December 31, 2017
Real estate:
Residential	$	8,311	$	968	$	9,279	$	333,405	$	342,684	$	—	$	1,828
Commercial	128		333		461		259,392		259,853		—		1,648
Construction	—		280		280		144,652		144,932		280		499
Commercial	1,219		911		2,130		106,852		108,982		—		1,067
Credit card	2,982		85		3,067		28,440		31,507		85		—
Other consumer	—		—		—		1,053		1,053		—		—
	$	12,640	$	2,577	$	15,217	$	873,794	$	889,011	$	365	$	5,042

Acquired loans included above	$	208	$	635	$	843	$	9,526	$	10,368	$	—	$	1,367

Impaired Loans Receivables

Impaired loans include loans acquired on which management has recorded a nonaccretable discount. Impaired loans as of December 31, 2018 and 2017 were as follows:



Impaired Loans
	Unpaid contractual principal balance		Recorded investment with no allowance		Recorded investment with allowance		Total recorded investment		Related allowance		Average recorded investment		Interest recognized
(in thousands)
December 31, 2018
Real estate
Residential	$	2,411	$	2,120	$	—	$	2,120	$	—	$	2,564	$	28
Commercial	1,551		1,486		—		1,486		—		1,591		—
Construction	32		—		—		—		—		140		—
Commercial	856		363		386		749		262		1,270		—
	$	4,850	$	3,969	$	386	$	4,355	$	262	$	5,565	$	28

Acquired loans included above	$	775	$	497	$	—	$	497	$	—	$	—	$	—

December 31, 2017
Real estate
Residential	$	2,329	$	1,766	$	—	$	1,766	$	—	$	1,948	$	30
Commercial	4,677		4,293		—		4,293		—		4,407		169
Construction	659		627		—		627		—		880		24
Commercial	1,824		1,178		366		1,544		60		1,600		48
	$	9,489	$	7,864	$	366	$	8,230	$	60	$	8,835	$	271

Acquired loans included above	$	2,149	$	1,366	$	—	$	1,366	$	—	$	1,553	$	1

Loans Receivables Credit Quality Indicators

The following table presents the balances of classified loans based on the risk grade. Classified loans include Special Mention, Substandard, and Doubtful loans:



Loan Classifications
(in thousands)	Pass⁽¹⁾		Special Mention		Substandard		Doubtful		Total
December 31, 2018
Real estate:
Residential	$	405,532	$	118	$	2,194	$	—	$	407,844
Commercial	274,247		2,958		1,486		—		278,691
Construction	154,643		843		2,100		—		157,586
Commercial	117,670		3,844		750		—		122,264
Credit card	34,673		—		—		—		34,673
Other consumer	1,202		—		—		—		1,202
Total	$	987,967	$	7,763	$	6,530	$	—	$	1,002,260

December 31, 2017
Real estate:
Residential	$	340,854	$	—	$	1,830	$	—	$	342,684
Commercial	251,292		6,175		2,386		—		259,853
Construction	144,433		—		499		—		144,932
Commercial	101,868		5,730		1,384		—		108,982
Credit card	31,507		—		—		—		31,507
Other consumer	1,053		—		—		—		1,053
Total	$	871,007	$	11,905	$	6,099	$	—	$	889,011

________________________

⁽¹⁾Classification includes loans graded exceptional, very good, good, satisfactory and pass/watch

Troubled Debt Restructurings on Loans Receivables

The status of TDRs is as follows:



Troubled Debt Restructurings
	Number of Contracts	Recorded Investment
(dollars in thousands)	Number of Contracts	Performing		Nonperforming		Total
December 31, 2018
Real estate:
Residential	3	$	—	$	145	$	145
Commercial	1	—		139		139
Total	4	$	—	$	284	$	284

Acquired loans included above	3	$	—	$	145	$	145

December 31, 2017
Real estate:
Residential	5	$	—	$	254	$	254
Commercial	1	2,709		—		2,709
Commercial	3	510		338		848
Total	9	$	3,219	$	592	$	3,811

Acquired loans included above	4	$	—	$	151	$	151

Schedule Of Outstanding Loan Commitments

Outstanding loan commitments were as follows:



Loan Commitments
	For the Years Ended December 31,
(in thousands)	2018		2017
Unused lines of credit
Commercial	$	52,083	$	46,580
Commercial real estate	8,980		7,530
Residential real estate	12,853		7,072
Home equity	27,243		25,395
Secured credit card	29,142		30,161
Personal	126		148
Construction commitments
Residential real estate	72,424		56,463
Commercial real estate	6,358		7,350
	$	209,209	$	180,699

Commitments to originate residential loans held for sale	$	647	$	4,138

Letters of credit	$	6,216	$	6,759

Schedule of Credit Losses for Financing Receivables

The Company maintains a liability account for estimated reserves on off balance sheet items such as unfunded lines of credit. Activity for this accounts is as follows:



Off Balance Sheet Reserves
	For the Years Ended December 31,
(in thousands)	2018		2017
Balance at beginning of period	$	901	$	801
Add: Provision	152		100
Add: Recoveries	—		—
Less: Charge-offs	—		—
Balance at end of period	$	1,053	$	901

The Company maintains a reserve in other liabilities for potential losses on mortgage loans sold. Activity in this reserve is as follows for the periods presented:



Mortgage Loan Put-back Reserve
	For the Years Ended December 31,
(in thousands)	2018			2017
Balance at beginning of period	$	457		$	442
Add: Provision	106			115
Add: Recoveries	—			—
Less: Charge-offs	(62		)	(100		)
Balance at end of period	$	501		$	457

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2018

Income Tax Disclosure [Abstract]

Schedule of Components of Income Tax Expense (Benefit)

The components of income tax expense are as follows:



Income Tax Expense
	For the Years Ended December 31,
(in thousands)	2018			2017
Current
Federal	$	3,696		$	4,612
State	1,427			1,231
Total Current Expense	5,123			5,843
Deferred tax benefit	(141		)	(239		)
Change in corporate income tax rate	—			1,386
Total Income Tax Expense	$	4,982		$	6,990

Schedule of Deferred Tax Assets and Liabilities

The components of the net deferred tax asset are:



Net Deferred Tax Asset
(in thousands)	2018	2017
Deferred tax assets
Allowance for loan and credit losses	3,384	3,003
Reserve for recourse on mortgage loans sold	138	125
Nonaccrual interest	63	268
Foreclosed real estate write-downs	3	8
Stock-based compensation	239	188
Long-term incentive program (LTIP)	189	77
Core deposit intangible	24	26
Unrealized loss on investment securities available for sale	227	97
Net operating loss carryforward	244	212
	4,511	4,004
Deferred tax liabilities
Unrealized gain on cash flow hedging derivative	2	2
Unrealized gain on loans held for sale	51	9
Accumulated depreciation	516	399
Deferred casualty gain	1	1
Other	43	—
	613	411
Net deferred tax asset before valuation allowance	3,898	3,593
Less: Valuation allowance	244	212
Net deferred tax asset	3,654	3,381

Schedule of Effective Income Tax Rate Reconciliation

The differences between the federal income tax rate and the effective tax rate for the Company are reconciled as follows:



Reconciliation of Federal Tax Rate to the Effective Rate
	2018		2017
Statutory federal income tax rate	21.00	%	34.00	%
Increase (decrease) resulting from
State income taxes, net of federal income tax benefit	6.35		5.37
Nondeductible expenses	0.42		0.84
Tax exempt income	(0.04	)	(0.22	)
Change in corporate income tax rate	—		9.83
Other	0.34		(0.24	)
Effective Tax Rate	28.07	%	49.58	%

Capital Standards (Tables)

12 Months Ended

Dec. 31, 2018

Banking and Thrift [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations



Regulatory Capital
	Actual				Minimum Capital Adequacy				To Be Well Capitalized				Full Phase In of Basel III
(Dollar amounts in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2018
The Company
Tier 1 leverage ratio (to average assets)	$	117,220	10.76	%	$	43,575	4.000	%	N/A		N/A		$	43,575	4.00	%
Tier 1 capital (to risk-weighted assets)	117,220		12.95	%	71,259		7.875	%	N/A		N/A		76,914		8.50	%
Common equity tier 1 capital ratio (to risk-weighted assets)	115,158		12.73	%	57,686		6.375	%	N/A		N/A		63,341		7.00	%
Total capital ratio (to risk-weighted assets)	128,544		14.21	%	89,356		9.875	%	N/A		N/A		95,012		10.50	%

The Bank
Tier 1 leverage ratio (to average assets)	$	96,122	9.06	%	$	42,445	4.000	%	$	53,056	5.00	%	$	42,445	4.00	%
Tier 1 capital (to risk-weighted assets)	96,122		11.00	%	68,822		7.875	%	69,914		8.00	%	74,284		8.50	%
Common equity tier 1 capital ratio (to risk-weighted assets)	96,122		11.00	%	55,713		6.375	%	56,805		6.50	%	61,175		7.00	%
Total capital ratio (to risk-weighted assets)	107,061		12.25	%	86,301		9.875	%	87,393		10.00	%	91,763		10.50	%

December 31, 2017
The Company
Tier 1 leverage ratio (to average assets)	$	82,428	8.10	%	$	40,724	4.000	%	N/A		N/A		$	40,724	4.00	%
Tier 1 capital (to risk-weighted assets)	82,428		10.18	%	58,717		7.250	%	N/A		N/A		68,841		8.50	%
Common equity tier 1 capital ratio (to risk-weighted assets)	80,366		9.92	%	46,569		5.750	%	N/A		N/A		56,693		7.00	%
Total capital ratio (to risk-weighted assets)	92,562		11.43	%	74,915		9.250	%	N/A		N/A		85,039		10.50	%

The Bank
Tier 1 leverage ratio (to average assets)	$	86,150	8.55	%	$	40,316	4.000	%	$	50,395	5.00	%	$	40,316	4.00	%
Tier 1 capital (to risk-weighted assets)	86,150		10.78	%	57,928		7.250	%	63,920		8.00	%	67,915		8.50	%
Common equity tier 1 capital ratio (to risk-weighted assets)	86,150		10.78	%	45,943		5.750	%	51,935		6.50	%	55,930		7.00	%
Total capital ratio (to risk-weighted assets)	96,148		12.03	%	73,908		9.250	%	79,900		10.00	%	83,895		10.50	%

Stock-Based Compensation (Tables)

12 Months Ended

Dec. 31, 2018

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Share-based Compensation, Stock Options, Activity

Information with respect to options outstanding during the years ended December 31, 2018 and 2017 is as follows:



Stock Options Outstanding
	2018				2017
	Shares		Weighted Average Exercise Price		Shares		Weighted Average Exercise Price
Outstanding at beginning of year	1,363,444		$	8.01	1,599,976		$	6.36
Add: Granted	373,750		11.44		260,600		12.38
Less: Exercised	(230,894	)	5.67		(358,332	)	4.65
Less: Retired on exercise	(37,240	)	5.07		—		—
Less: Expired/cancelled/forfeited	(37,200	)	7.34		(138,800	)	5.87
Outstanding at end of year	1,431,860		$	9.38	1,363,444		$	8.01
Exercisable at end of year	643,610		$	7.78	644,472		$	6.47

Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding and Exercisable

A summary of information about stock options outstanding is as follows:



Stock Option Summary
	Weighted Average Exercise Price		Average Remaining Life (years)	Outstanding Shares		Exercisable Shares
December 31, 2018
	$	6.63	1.0	283,886		268,886
	7.50		2.0	297,348		207,898
	8.50		3.0	222,276		103,176
	11.38		5.0	354,750		—
	12.38		4.0	266,600		63,650
	12.80		4.8	7,000		—
Total outstanding options	9.38		3.1	1,431,860		643,610
Intrinsic value on December 31, 2018				$	3,178,491	$	2,399,743

December 31, 2017
	$	5.00	1.0	211,952		211,952
	6.63		2.0	323,792		218,868
	7.50		3.0	328,900		154,100
	8.50		4.0	238,200		59,552
	12.38		5.0	260,600		—
Total outstanding options	8.01		2.6	1,363,444		644,472
Intrinsic value on December 31, 2017				$	5,951,363	$	4,271,277

Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions

The weighted average fair value of options granted during 2018 and 2017 were estimated using the Black-Scholes option-pricing model with the following weighted average assumptions:



Stock Option Pricing Assumptions
	2018	2017
Dividend yield	0.00%	0.00%
Risk free interest rate	2.53%	2.20%
Expected volatility	18.94%	18.94%
Expected life in years	5	5

Schedule of Share-based Compensation, Restricted Stock Units Award Activity

Nonvested restricted stock for the years ended December 31, 2018 and 2017 is summarized in the following table.



Restricted Stock Summary
	2018				2017
	Shares		Weighted Average Grant-Date Fair Value		Shares		Weighted Average Grant-Date Fair Value
Nonvested at beginning of year	42,000		$	8.66	52,000		$	7.45
Add: Granted	12,000		12.38		10,000		12.38
Less: Vested	(16,000	)	7.50		(16,000	)	7.50
Less: Forfeited	—		—		(4,000	)	6.88
Nonvested at end of year	38,000		$	10.32	42,000		$	8.66

Share Based Compensation, Restricted Stock, Vesting Schedule

The vesting schedule of restricted shares as of December 31, 2018 is as follows:



Restricted Stock Vesting Schedule
Year		Shares
2019		18,500
2020		5,500
2021		5,500
2022		5,500
2023		3,000
		38,000

Parent Company Financial Information (Tables)

12 Months Ended

Dec. 31, 2018

Condensed Financial Information Disclosure [Abstract]

Condensed Financial Statements



Parent Company Only Balance Sheets

(in thousands)	2018			2017
Assets
Cash and cash equivalents	$	3,768		$	798
Investment in Bank	95,524			85,898
Investment in Church Street Capital	3,284			3,092
Investment in Trust	62			62
Loans receivable, net of allowance for loan losses of $208 and $44 at December 31, 2018 and 2017, respectively	27,032			7,208
Accrued interest receivable	106			83
Due from subsidiaries	54			—
Prepaid income taxes	90			135
Deferred income taxes	18			18
Other assets	134			537
	$	130,072		$	97,831

Liabilities and Stockholders’ Equity
Borrowed funds	$	15,393		$	17,361
Accrued interest payable	81			82
Due to subsidiaries	—			94
Other liabilities	34			175
	15,508			17,712
Stockholders’ equity
Common stock	137			115
Additional paid-in capital	49,321			27,051
Retained earnings	65,701			53,200
Accumulated other comprehensive loss	(595		)	(247		)
Total stockholders’ equity	114,564			80,119
	$	130,072		$	97,831



Parent Company Only Statements of Income

(in thousands)	2018			2017
Interest and dividend revenue	$	577		$	342
Dividend from Bank	4,250			2,450
Total interest and dividend revenue	4,827			2,792
Interest expense	1,071			1,148
Net interest income	3,756			1,644
Provision for loan losses	164			—
Net interest income after provision for loan losses	3,592			1,644
Noninterest income	8			3
Noninterest expenses	(248		)	(137		)
Income before income taxes	3,352			1,510
Income tax benefit	188			308
Income before undistributed net income of subsidiaries	3,540			1,818
Equity in undistributed net income of subsidiaries	9,227			5,291
Net income	$	12,767		$	7,109



Parent Company Only Statements of Cash Flows
(in thousands)	2018			2017
Cash flows from operating activities
Net Income	12,767			7,109
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	164			—
Equity in undistributed income-subsidiary	(9,227		)	(6,380		)
(Increase) decrease in receivable from subsidiary bank	(148		)	144
Stock-based compensation expense	570			506
Director and employee compensation paid in Company stock	496			776
Deferred income tax benefit	(141		)	(239		)
Amortization of debt issuance costs	32			34
Changes in assets and liabilities:
Accrued interest receivable	(23		)	(26		)
Prepaid income taxes and taxes payable	45			69
Other assets	(169		)	(443		)
Accrued interest payable	(1		)	—
Other liabilities	—			18
Net cash provided by operating activities	4,365			1,568

Cash flows from investing activities
Net increase in loans receivable	(19,988		)	(3,558		)
Capital injections to subsidiaries	(367		)	80
Net cash provided by investing activities	(20,355		)	(3,478		)

Cash flows from financing activities
Repayment of debt	(2,000		)	—
Repurchase of common stock	(45		)	(512		)
Proceeds from exercise of stock options	1,043			1,668
Proceeds from shares sold	198			—
Proceeds from initial public offering, net	19,764			—
Net cash provided by financing activities	18,960			1,156

Net increase (decrease) in cash and cash equivalents	2,970			(754		)

Cash and cash equivalents, beginning of year	798			1,552

Cash and cash equivalents, end of year	$	3,768		$	798

Fair Value (Tables)

12 Months Ended

Dec. 31, 2018

Fair Value Disclosures [Abstract]

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis

The Company has categorized its financial instruments measured at fair value on a recurring basis as of December 31, 2018 and December 31, 2017 as follows:



Fair Value of Financial Instruments
(in thousands)	Total		Level 1 Inputs		Level 2 Inputs		Level 3 Inputs
December 31, 2018	Total		Level 1 Inputs		Level 2 Inputs		Level 3 Inputs
Investment securities available for sale
U.S. government-sponsored enterprises	$	17,360	$	—	$	17,360	$	—
Municipal	501		—		501		—
Corporate	2,885		—		2,885		—
Mortgage-backed securities	26,186		—		26,186		—
	$	46,932	$	—	$	46,932	$	—
Loans held for sale	$	18,526	$	—	$	18,526	$	—
Derivative assets	$	112	$	—	$	112	$	—
Derivative liabilities	$	253	$	—	$	253	$	—

December 31, 2017
Investment securities available for sale
U.S. government-sponsored enterprises	$	17,370	$	—	$	17,370	$	—
Municipal	516		—		516		—
Corporate	3,076		—		3,076		—
Mortgage-backed securities	33,067		—		33,067		—
	$	54,028	$	—	$	54,028	$	—
Loans held for sale	$	26,344	$	—	$	26,344	$	—
Derivative assets	$	100	$	—	$	100	$	—
Derivative liabilities	$	42	$	—	$	42	$	—

Schedule Of Fair Value Of Loans Held For Sale



Fair Value of Loans Held for Sale
(in thousands)
	2018		2017
Loans held for sale
Aggregate fair value	$	18,526	$	26,344
Contractual principal	17,822		25,637
Difference	$	704	$	707

Fair Value Measurements, Nonrecurring



Fair Value of Impaired Loans and Foreclosed Real Estate
(in thousands)
	2018		2017
Impaired loans
Level 1 Inputs	$	—	$	—
Level 2 Inputs	—		—
Level 3 Inputs	4,093		8,170
Total	$	4,093	$	8,170

Foreclosed real estate
Level 1 Inputs	$	—	$	—
Level 2 Inputs	—		—
Level 3 Inputs	142		93
Total	$	142	$	93

Fair Value Measurement Inputs and Valuation Techniques

The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at December 31, 2018 and 2017:



	Inputs
	Valuation Technique	Unobservable Inputs	General Range of Inputs
	Valuation Technique	Unobservable Inputs	General Range of Inputs
Impaired Loans	Appraised Value/Discounted Cash Flows	Discounts to appraisals or cash flows for estimated holding and/or selling costs	0 - 25%
Foreclosed Real Estate	Appraised Value/Comparable Sales	Discounts to appraisals for estimated holding and/or selling costs	0 - 25%

Fair Value Measurements, Recurring and Nonrecurring

The table below presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments (in thousands).



Fair Value of Financial Assets and Liabilities
	December 31, 2018				December 31, 2017
(in thousands)	Carrying Amount		Fair Value		Carrying Amount		Fair Value
Financial assets
Level 1
Cash and due from banks	$	10,431	$	10,431	$	8,189	$	8,189
Interest bearing deposits at other financial institutions	22,007		22,007		40,356		40,356
Federal funds sold	2,285		2,285		3,766		3,766
Restricted investments	2,503		2,503		2,369		2,369
Level 3
Loans receivable, net	$	988,960	$	979,058	$	877,387	$	872,446

Financial liabilities
Level 1
Noninterest bearing deposits	$	242,259	$	242,259	$	196,635	$	196,635
Securities sold under agreements to repurchase	3,332		3,332		11,260		11,260
Level 3
Interest bearing deposits	712,981		711,876		708,264		702,930
FHLB advances and other borrowed funds	19,393		19,447		19,361		19,413

Quarterly Results of Operations (unaudited) (Tables)

12 Months Ended

Dec. 31, 2018

Quarterly Financial Information Disclosure [Abstract]

Quarterly Financial Information



Quarterly Results of Operations
(in thousands)
	2018								2017
	Dec 31		Sep 30		Jun 30		Mar 31		Dec 31			Sep 30		Jun 30		Mar 31
Interest Income	$	18,238	$	17,447	$	16,778	$	16,664	$	14,679		$	15,003	$	14,211	$	12,773
Interest Expense	3,348		2,955		2,657		2,279		2,117			2,044		1,866		1,728
Net Interest Income	14,890		14,492		14,121		14,385		12,562			12,959		12,345		11,045
Provision for Loan Losses	500		495		630		515		785			700		620		550
Noninterest Income	3,466		4,240		4,340		4,078		3,024			4,901		4,342		2,883
Noninterest Expense	13,094		13,900		13,529		13,600		13,385			12,180		11,387		10,355
Income Before Provision for Income Taxes	4,762		4,337		4,302		4,348		1,416			4,980		4,680		3,023
Provision for Income Taxes	1,276		1,190		1,158		1,358		2,062			1,941		1,822		1,164
Net Income (Loss)	$	3,486	$	3,147	$	3,144	$	2,990	$	(646	)	$	3,039	$	2,858	$	1,859

Basic earnings (losses) per common share	$	0.26	$	0.27	$	0.26	$	0.26	$	(0.06	)	$	0.27	$	0.26	$	0.17
Diluted earnings (losses) per common share	$	0.25	$	0.26	$	0.26	$	0.25	$	(0.06	)	$	0.27	$	0.25	$	0.17

Nature of Business and Basis of Presentation - Initial Public Offering (Details) - Common Stock - IPO - USD ($) $ / shares in Units, $ in Millions		12 Months Ended
	Sep. 28, 2018	Dec. 31, 2018
Subsidiary, Sale of Stock [Line Items]
Number of shares issued in transaction (in shares)	2,563,046
Sale of stock, price per share (in dollars per share)	$ 12.50
Sale of stock, consideration received	$ 19.8
Underwriting discount and offering costs	$ (3.2)	$ (3.2)
Parent Company
Subsidiary, Sale of Stock [Line Items]
Number of shares issued in transaction (in shares)	1,834,310
Affiliated Entity \| Selling Shareholders
Subsidiary, Sale of Stock [Line Items]
Number of shares issued in transaction (in shares)	728,736

Nature of Business and Basis of Presentation - Additional Information (Details) $ / shares in Units, $ in Thousands		1 Months Ended	12 Months Ended
	Aug. 15, 2018 $ / shares	Dec. 31, 2017 USD ($) $ / shares	Dec. 31, 2018 $ / shares	Dec. 31, 2017 USD ($) $ / shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock, par value (in dollars per share) \| $ / shares	$ 0.01	$ 0.01	$ 0.01	$ 0.01
Change in enacted tax rate, amount		$ 1,400
Tax Cuts and Jobs Act of 2017, change in tax rate, income tax expense				$ 1,400
Tax Cuts and Jobs Act Of 2017, change in tax rate, deferred tax asset, income tax expense		$ 40
Common Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock split, conversion ratio	4
Leasehold improvements
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Useful Lives			10 years

Nature of Business and Basis of Presentation - Earnings per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Basic EPS
Net income									$ 12,767	$ 7,109
Weighted average number of shares outstanding, basic (in shares)									12,116,459	11,261,132
Basic earnings per share (in dollars per share)	$ 0.26	$ 0.27	$ 0.26	$ 0.26	$ (0.06)	$ 0.27	$ 0.26	$ 0.17	$ 1.05	$ 0.63
Effect of dilutive securities (in shares)									345,679	166,868
Weighted average number of shares outstanding, diluted (in shares)									12,462,138	11,428,000
Diluted earnings per share (in dollars per share)	$ 0.25	$ 0.26	$ 0.26	$ 0.25	$ (0.06)	$ 0.27	$ 0.25	$ 0.17	$ 1.02	$ 0.62
Stock Options
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)									7,000	246,500

Nature of Business and Basis of Presentation - Comprehensive Income (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Accumulated Other Comprehensive Income (Loss) [Line Items]
Total accumulated comprehensive loss	$ (595)	$ (247)
Accumulated Net Investment Gain (Loss) Attributable to Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive income (loss) before tax	(825)	(348)
Deferred tax benefit (expense)	227	97
Total accumulated comprehensive loss	(598)	(251)
Accumulated Net Gain (Loss) from Cash Flow Hedges Attributable to Parent
Accumulated Other Comprehensive Income (Loss) [Line Items]
Other comprehensive income (loss) before tax	5	6
Deferred tax benefit (expense)	(2)	(2)
Total accumulated comprehensive loss	3	4
Accumulated Other Comprehensive Loss
Accumulated Other Comprehensive Income (Loss) [Line Items]
Total accumulated comprehensive loss	$ (595)	$ (247)

Nature of Business and Basis of Presentation - New Accounting Pronouncements (Details) - USD ($) $ in Thousands	Jan. 01, 2019	Dec. 31, 2018	Dec. 31, 2017
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Retained earnings (accumulated deficit)		$ 65,701	$ 53,200
Subsequent Event \| Minimum \| Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Operating lease, liability	$ 4,900
Operating lease, right-of-use asset	5,000
Subsequent Event \| Maximum \| Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Operating lease, liability	5,200
Operating lease, right-of-use asset	5,500
Retained earnings (accumulated deficit)	$ (50)

Investment Securities - Amortized cost to Estimated Fair Value (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 47,757,000	$ 54,377,000
Unrealized Gains	74,000	247,000
Unrealized Losses	(899,000)	(595,000)
Fair Value	46,932,000	54,029,000
Proceeds from sale of securities available for sale	345,000	0
Debt securities, available-for-sale, realized gain	2,000
U.S. government-sponsored enterprises
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	17,496,000	17,489,000
Unrealized Gains	0	1,000
Unrealized Losses	(136,000)	(120,000)
Fair Value	17,360,000	17,370,000
Municipal
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	517,000	518,000
Unrealized Gains	0	0
Unrealized Losses	(16,000)	(3,000)
Fair Value	501,000	515,000
Corporate
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	2,908,000	3,060,000
Unrealized Gains	28,000	67,000
Unrealized Losses	(51,000)	(50,000)
Fair Value	2,885,000	3,077,000
Mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	26,836,000	33,310,000
Unrealized Gains	46,000	179,000
Unrealized Losses	(696,000)	(422,000)
Fair Value	$ 26,186,000	$ 33,067,000

Investment Securities - Unrealized Losses (Details) $ in Thousands	Dec. 31, 2018 USD ($) security	Dec. 31, 2017 USD ($)
Fair Value
AFS, Less than 12 Months, Fair Value	$ 2,790	$ 20,686
AFS,12 Months or Longer, Fair Value	39,259	22,561
AFS,Total, Fair Value	42,049	43,247
Unrealized Losses
AFS, Less than 12 months, Unrealized Losses	(9)	(194)
AFS, 12 months or longer, Unrealized Losses	(890)	(401)
AFS, Total, Unrealized Losses	(899)	(595)
U.S. government-sponsored enterprises
Fair Value
AFS, Less than 12 Months, Fair Value	496	8,967
AFS,12 Months or Longer, Fair Value	16,864	7,906
AFS,Total, Fair Value	17,360	16,873
Unrealized Losses
AFS, Less than 12 months, Unrealized Losses	(2)	(26)
AFS, 12 months or longer, Unrealized Losses	(134)	(94)
AFS, Total, Unrealized Losses	$ (136)	(120)
Number of securities in a loss position for greater than twelve months \| security	9
Municipal
Fair Value
AFS, Less than 12 Months, Fair Value	$ 0	515
AFS,12 Months or Longer, Fair Value	501	0
AFS,Total, Fair Value	501	515
Unrealized Losses
AFS, Less than 12 months, Unrealized Losses	0	(3)
AFS, 12 months or longer, Unrealized Losses	(16)	0
AFS, Total, Unrealized Losses	$ (16)	(3)
Number of securities in a loss position for greater than twelve months \| security	1
Corporate
Fair Value
AFS, Less than 12 Months, Fair Value	$ 0	0
AFS,12 Months or Longer, Fair Value	857	1,010
AFS,Total, Fair Value	857	1,010
Unrealized Losses
AFS, Less than 12 months, Unrealized Losses	0	0
AFS, 12 months or longer, Unrealized Losses	(51)	(50)
AFS, Total, Unrealized Losses	$ (51)	(50)
Number of securities in a loss position for greater than twelve months \| security	2
Mortgage-backed securities
Fair Value
AFS, Less than 12 Months, Fair Value	$ 2,294	11,204
AFS,12 Months or Longer, Fair Value	21,037	13,645
AFS,Total, Fair Value	23,331	24,849
Unrealized Losses
AFS, Less than 12 months, Unrealized Losses	(7)	(165)
AFS, 12 months or longer, Unrealized Losses	(689)	(257)
AFS, Total, Unrealized Losses	$ (696)	$ (422)
Number of securities in a loss position for greater than twelve months \| security	15

Investment Securities - Pledged Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Amortized Cost
Assets Sold under Agreements to Repurchase [Line Items]
Securities pledged	$ 22,745	$ 21,838
Fair Value
Assets Sold under Agreements to Repurchase [Line Items]
Securities pledged	22,524	21,929
Securities sold under agreements to repurchase \| Amortized Cost
Assets Sold under Agreements to Repurchase [Line Items]
Securities pledged	16,032	14,405
Securities sold under agreements to repurchase \| Fair Value
Assets Sold under Agreements to Repurchase [Line Items]
Securities pledged	15,862	14,475
Federal Home Loan Bank advances \| Amortized Cost
Assets Sold under Agreements to Repurchase [Line Items]
Securities pledged	6,713	7,433
Federal Home Loan Bank advances \| Fair Value
Assets Sold under Agreements to Repurchase [Line Items]
Securities pledged	$ 6,662	$ 7,454

Investment Securities - by Maturity Dates (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Amortized Cost
AFS Debt Maturities, Within one year, Amortized Cost	$ 16,496	$ 0
AFS Debt Maturities, Over one to five years, Amortized Cost	1,000	17,489
AFS Debt Maturities, Over five to ten years, Amortized Cost	2,000	2,518
AFS Debt Maturities, Over ten years, Amortized Cost	1,425	1,060
Amortized Cost	47,757	54,377
Fair Value
AFS Debt Maturities, Within one year, Fair Value	16,377	0
AFS Debt Maturities, Over one to five years, Fair Value	983	17,370
AFS Debt Maturities, Over five to ten years, Fair Value	2,028	2,582
AFS Debt Maturities, Over ten years, Fair Value	1,358	1,010
Fair Value	46,932	54,029
Mortgage-backed securities
Amortized Cost
Amortized Cost	26,836	33,310
Fair Value
Fair Value	$ 26,186	$ 33,067

Loans Receivable - Classification of Loans (Details)	12 Months Ended
Loans Receivable - Classification of Loans (Details)	Dec. 31, 2018 USD ($)	Dec. 31, 2017 USD ($)	Dec. 31, 2016 USD ($)
Loans and Leases Receivable Disclosure [Line Items]
Loans receivable, gross	$ 1,002,260,000	$ 889,011,000
Deferred origination fees, net	(1,992,000)	(1,591,000)
Allowance for loan losses	(11,308,000)	(10,033,000)	$ (8,597,000)
Loans receivable, net	988,960,000	877,387,000
Residential \| Real estate:
Loans and Leases Receivable Disclosure [Line Items]
Loans receivable, gross	407,844,000	342,684,000
Allowance for loan losses	(3,541,000)	(3,137,000)	(2,664,000)
Commercial
Loans and Leases Receivable Disclosure [Line Items]
Loans receivable, gross	122,264,000	108,982,000
Allowance for loan losses	(1,578,000)	(1,497,000)	(1,174,000)
Commercial \| Real estate:
Loans and Leases Receivable Disclosure [Line Items]
Loans receivable, gross	278,691,000	259,853,000
Allowance for loan losses	$ (3,003,000)	(2,860,000)	(2,682,000)
Fixed interest rate term	5 years
Initial commitment term	10 years
Amortization period	25 years
Construction \| Real estate:
Loans and Leases Receivable Disclosure [Line Items]
Loans receivable, gross	$ 157,586,000	144,932,000
Allowance for loan losses	(2,093,000)	(1,646,000)	(1,591,000)
Consumer \| Credit card
Loans and Leases Receivable Disclosure [Line Items]
Loans receivable, gross	34,673,000	31,507,000
Allowance for loan losses	(1,084,000)	(885,000)	(477,000)
Consumer \| Credit card \| Savings Deposits
Loans and Leases Receivable Disclosure [Line Items]
Loans receivable, gross	$ 32,500,000	29,400,000
Repayment history used for scoring model	6 months
Consumer \| Other consumer
Loans and Leases Receivable Disclosure [Line Items]
Loans receivable, gross	$ 1,202,000	1,053,000
Allowance for loan losses	$ (9,000)	$ (8,000)	$ (9,000)
Minimum \| Construction \| Real estate:
Loans and Leases Receivable Disclosure [Line Items]
Initial commitment term	12 months
Maximum \| Construction \| Real estate:
Loans and Leases Receivable Disclosure [Line Items]
Initial commitment term	18 months
Owner Occupied Real Estate \| Residential \| Real estate:
Loans and Leases Receivable Disclosure [Line Items]
Initial commitment term	30 years
Owner Occupied Real Estate \| Commercial \| Real estate:
Loans and Leases Receivable Disclosure [Line Items]
Loans receivable, gross	$ 129,100,000
Percent of real estate portfolio	46.00%
Owner Occupied Real Estate \| Construction \| Real estate:
Loans and Leases Receivable Disclosure [Line Items]
Loan principal to collateral value ratio, percent	80.00%
Owner Occupied Real Estate \| Minimum \| Residential \| Real estate:
Loans and Leases Receivable Disclosure [Line Items]
Fixed interest rate term	5 years
Owner Occupied Real Estate \| Maximum \| Residential \| Real estate:
Loans and Leases Receivable Disclosure [Line Items]
Fixed interest rate term	7 years
Investor Real Estate \| Residential \| Real estate:
Loans and Leases Receivable Disclosure [Line Items]
Initial commitment term	25 years
Balloon payment period	5 years
Covenant compliance, debt service coverage ratio	1.15
Investor Real Estate \| Construction \| Real estate:
Loans and Leases Receivable Disclosure [Line Items]
Loan principal to collateral value ratio, percent	75.00%

Loans Receivable - Accretable Discount (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Remaining nonaccretable discount	$ 354	$ 601
Loans receivable, net	1,300	1,500
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Accretable discount at beginning of period	543	676
Less: Accretion and payoff of loans	(105)	(133)
Accretable discount at end of period	$ 438	$ 543

Loans Receivable - Allowance for Loan Losses (Details) - USD ($)	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of year				$ 10,033,000				$ 8,597,000	$ 10,033,000	$ 8,597,000
Provision for loan losses	$ 500,000	$ 495,000	$ 630,000	515,000	$ 785,000	$ 700,000	$ 620,000	550,000	2,140,000	2,655,000
Charge-Offs									(1,096,000)	(1,652,000)
Recoveries									231,000	433,000
Balance at end of year	11,308,000				10,033,000				11,308,000	10,033,000
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Individually	262,000				60,000				262,000	60,000
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Collectively	11,046,000				9,973,000				11,046,000	9,973,000
Outstanding Loan Balances Evaluated for Impairment - Individually	4,355,000				8,230,000				4,355,000	8,230,000
Outstanding Loan Balances Evaluated for Impairment - Collectively	997,905,000				880,781,000				997,905,000	880,781,000
Consumer \| Other consumer
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of year				8,000				9,000	8,000	9,000
Provision for loan losses									1,000	(1,000)
Charge-Offs									0	0
Recoveries									0	0
Balance at end of year	9,000				8,000				9,000	8,000
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Individually	0				0				0	0
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Collectively	9,000				8,000				9,000	8,000
Outstanding Loan Balances Evaluated for Impairment - Individually	0				0				0	0
Outstanding Loan Balances Evaluated for Impairment - Collectively	1,202,000				1,053,000				1,202,000	1,053,000
Consumer \| Credit card
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of year				885,000				477,000	885,000	477,000
Provision for loan losses									963,000	1,217,000
Charge-Offs									(806,000)	(1,124,000)
Recoveries									42,000	315,000
Balance at end of year	1,084,000				885,000				1,084,000	885,000
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Individually	0				0				0	0
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Collectively	1,084,000				885,000				1,084,000	885,000
Outstanding Loan Balances Evaluated for Impairment - Individually	0				0				0	0
Outstanding Loan Balances Evaluated for Impairment - Collectively	34,673,000				31,507,000				34,673,000	31,507,000
Construction \| Real estate:
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of year				1,646,000				1,591,000	1,646,000	1,591,000
Provision for loan losses									447,000	55,000
Charge-Offs									0	0
Recoveries									0	0
Balance at end of year	2,093,000				1,646,000				2,093,000	1,646,000
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Individually	0				0				0	0
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Collectively	2,093,000				1,646,000				2,093,000	1,646,000
Outstanding Loan Balances Evaluated for Impairment - Individually	0				627,000				0	627,000
Outstanding Loan Balances Evaluated for Impairment - Collectively	157,586,000				144,305,000				157,586,000	144,305,000
Commercial
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of year				1,497,000				1,174,000	1,497,000	1,174,000
Provision for loan losses									194,000	345,000
Charge-Offs									(147,000)	(25,000)
Recoveries									34,000	3,000
Balance at end of year	1,578,000				1,497,000				1,578,000	1,497,000
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Individually	262,000				60,000				262,000	60,000
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Collectively	1,316,000				1,437,000				1,316,000	1,437,000
Outstanding Loan Balances Evaluated for Impairment - Individually	749,000				1,544,000				749,000	1,544,000
Outstanding Loan Balances Evaluated for Impairment - Collectively	121,515,000				107,438,000				121,515,000	107,438,000
Commercial \| Real estate:
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of year				2,860,000				2,682,000	2,860,000	2,682,000
Provision for loan losses									13,000	375,000
Charge-Offs									(22,000)	(312,000)
Recoveries									152,000	115,000
Balance at end of year	3,003,000				2,860,000				3,003,000	2,860,000
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Individually	0				0				0	0
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Collectively	3,003,000				2,860,000				3,003,000	2,860,000
Outstanding Loan Balances Evaluated for Impairment - Individually	1,486,000				4,293,000				1,486,000	4,293,000
Outstanding Loan Balances Evaluated for Impairment - Collectively	277,205,000				255,560,000				277,205,000	255,560,000
Residential \| Real estate:
Allowance for Loan and Lease Losses [Roll Forward]
Balance at beginning of year				$ 3,137,000				$ 2,664,000	3,137,000	2,664,000
Provision for loan losses									522,000	664,000
Charge-Offs									(121,000)	(191,000)
Recoveries									3,000	0
Balance at end of year	3,541,000				3,137,000				3,541,000	3,137,000
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Individually	0				0				0	0
Allowance for Loan Losses Ending Balance Evaluated for Impairment - Collectively	3,541,000				3,137,000				3,541,000	3,137,000
Outstanding Loan Balances Evaluated for Impairment - Individually	2,120,000				1,766,000				2,120,000	1,766,000
Outstanding Loan Balances Evaluated for Impairment - Collectively	$ 405,724,000				$ 340,918,000				$ 405,724,000	$ 340,918,000

Loans Receivable - Past Due Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	$ 11,111	$ 15,217
Current Loans	991,149	873,794
Total Loans	1,002,260	889,011
Accruing Loans 90 or More days Past Due	237	365
Nonaccrual Loans	4,442	5,042
Residential Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans	221	503
Loans 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	7,199	12,640
Loans 90 or More Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	3,912	2,577
Acquired loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	1,009	843
Current Loans	7,275	9,526
Total Loans	8,284	10,368
Accruing Loans 90 or More days Past Due	235	0
Nonaccrual Loans	582	1,367
Acquired loans \| Loans 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	521	208
Acquired loans \| Loans 90 or More Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	488	635
Residential \| Real estate:
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	3,151	9,279
Current Loans	404,693	333,405
Total Loans	407,844	342,684
Accruing Loans 90 or More days Past Due	235	0
Nonaccrual Loans	2,207	1,828
Residential \| Real estate: \| Loans 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	1,070	8,311
Residential \| Real estate: \| Loans 90 or More Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	2,081	968
Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	1,010	2,130
Current Loans	121,254	106,852
Total Loans	122,264	108,982
Accruing Loans 90 or More days Past Due	0	0
Nonaccrual Loans	749	1,067
Commercial \| Loans 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	612	1,219
Commercial \| Loans 90 or More Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	398	911
Commercial \| Real estate:
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	3,177	461
Current Loans	275,514	259,392
Total Loans	278,691	259,853
Accruing Loans 90 or More days Past Due	0	0
Nonaccrual Loans	1,486	1,648
Commercial \| Real estate: \| Loans 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	1,746	128
Commercial \| Real estate: \| Loans 90 or More Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	1,431	333
Construction \| Real estate:
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	0	280
Current Loans	157,586	144,652
Total Loans	157,586	144,932
Accruing Loans 90 or More days Past Due	0	280
Nonaccrual Loans	0	499
Construction \| Real estate: \| Loans 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	0	0
Construction \| Real estate: \| Loans 90 or More Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	0	280
Consumer \| Credit card
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	3,773	3,067
Current Loans	30,900	28,440
Total Loans	34,673	31,507
Accruing Loans 90 or More days Past Due	2	85
Nonaccrual Loans	0	0
Consumer \| Credit card \| Loans 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	3,771	2,982
Consumer \| Credit card \| Loans 90 or More Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	2	85
Consumer \| Other consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	0	0
Current Loans	1,202	1,053
Total Loans	1,202	1,053
Accruing Loans 90 or More days Past Due	0	0
Nonaccrual Loans	0	0
Consumer \| Other consumer \| Loans 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	0	0
Consumer \| Other consumer \| Loans 90 or More Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past Due Loans	$ 0	$ 0

Loans Receivable - Impaired Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	$ 4,850	$ 9,489
Recorded Investment With No Allowance	3,969	7,864
Recorded Investment With Allowance	386	366
Total Recorded Investment	4,355	8,230
Related Allowance	262	60
Average Recorded Investment	5,565	8,835
Interest Recognized	28	271
Acquired loans
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	775	2,149
Recorded Investment With No Allowance	497	1,366
Recorded Investment With Allowance	0	0
Total Recorded Investment	497	1,366
Related Allowance	0	0
Average Recorded Investment	0	1,553
Interest Recognized	0	1
Residential \| Real estate:
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	2,411	2,329
Recorded Investment With No Allowance	2,120	1,766
Recorded Investment With Allowance	0	0
Total Recorded Investment	2,120	1,766
Related Allowance	0	0
Average Recorded Investment	2,564	1,948
Interest Recognized	28	30
Commercial
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	856	1,824
Recorded Investment With No Allowance	363	1,178
Recorded Investment With Allowance	386	366
Total Recorded Investment	749	1,544
Related Allowance	262	60
Average Recorded Investment	1,270	1,600
Interest Recognized	0	48
Commercial \| Real estate:
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	1,551	4,677
Recorded Investment With No Allowance	1,486	4,293
Recorded Investment With Allowance	0	0
Total Recorded Investment	1,486	4,293
Related Allowance	0	0
Average Recorded Investment	1,591	4,407
Interest Recognized	0	169
Construction \| Real estate:
Financing Receivable, Impaired [Line Items]
Unpaid Contractual Principal Balance	32	659
Recorded Investment With No Allowance	0	627
Recorded Investment With Allowance	0	0
Total Recorded Investment	0	627
Related Allowance	0	0
Average Recorded Investment	140	880
Interest Recognized	$ 0	$ 24

Loans Receivable - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment [Line Items]
Classified loans	$ 1,002,260	$ 889,011
Pass
Financing Receivable, Recorded Investment [Line Items]
Classified loans	987,967	871,007
Special Mention
Financing Receivable, Recorded Investment [Line Items]
Classified loans	7,763	11,905
Substandard
Financing Receivable, Recorded Investment [Line Items]
Classified loans	6,530	6,099
Doubtful
Financing Receivable, Recorded Investment [Line Items]
Classified loans	0	0
Residential \| Real estate:
Financing Receivable, Recorded Investment [Line Items]
Classified loans	407,844	342,684
Residential \| Real estate: \| Pass
Financing Receivable, Recorded Investment [Line Items]
Classified loans	405,532	340,854
Residential \| Real estate: \| Special Mention
Financing Receivable, Recorded Investment [Line Items]
Classified loans	118	0
Residential \| Real estate: \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Classified loans	2,194	1,830
Residential \| Real estate: \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Classified loans	0	0
Commercial
Financing Receivable, Recorded Investment [Line Items]
Classified loans	122,264	108,982
Commercial \| Pass
Financing Receivable, Recorded Investment [Line Items]
Classified loans	117,670	101,868
Commercial \| Special Mention
Financing Receivable, Recorded Investment [Line Items]
Classified loans	3,844	5,730
Commercial \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Classified loans	750	1,384
Commercial \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Classified loans	0	0
Commercial \| Real estate:
Financing Receivable, Recorded Investment [Line Items]
Classified loans	278,691	259,853
Commercial \| Real estate: \| Pass
Financing Receivable, Recorded Investment [Line Items]
Classified loans	274,247	251,292
Commercial \| Real estate: \| Special Mention
Financing Receivable, Recorded Investment [Line Items]
Classified loans	2,958	6,175
Commercial \| Real estate: \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Classified loans	1,486	2,386
Commercial \| Real estate: \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Classified loans	0	0
Construction \| Real estate:
Financing Receivable, Recorded Investment [Line Items]
Classified loans	157,586	144,932
Construction \| Real estate: \| Pass
Financing Receivable, Recorded Investment [Line Items]
Classified loans	154,643	144,433
Construction \| Real estate: \| Special Mention
Financing Receivable, Recorded Investment [Line Items]
Classified loans	843	0
Construction \| Real estate: \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Classified loans	2,100	499
Construction \| Real estate: \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Classified loans	0	0
Consumer \| Credit card
Financing Receivable, Recorded Investment [Line Items]
Classified loans	34,673	31,507
Consumer \| Credit card \| Pass
Financing Receivable, Recorded Investment [Line Items]
Classified loans	34,673	31,507
Consumer \| Credit card \| Special Mention
Financing Receivable, Recorded Investment [Line Items]
Classified loans	0	0
Consumer \| Credit card \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Classified loans	0	0
Consumer \| Credit card \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Classified loans	0	0
Consumer \| Other consumer
Financing Receivable, Recorded Investment [Line Items]
Classified loans	1,202	1,053
Consumer \| Other consumer \| Pass
Financing Receivable, Recorded Investment [Line Items]
Classified loans	1,202	1,053
Consumer \| Other consumer \| Special Mention
Financing Receivable, Recorded Investment [Line Items]
Classified loans	0	0
Consumer \| Other consumer \| Substandard
Financing Receivable, Recorded Investment [Line Items]
Classified loans	0	0
Consumer \| Other consumer \| Doubtful
Financing Receivable, Recorded Investment [Line Items]
Classified loans	$ 0	$ 0

Loans Receivable - Trouble Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018 USD ($) contract	Dec. 31, 2017 USD ($) contract
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	4	9
Performing	$ 284	$ 3,811
Number of loans charged off \| contract	3
Charged off loan amount	$ 291
Acquired loans
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	3	4
Performing	$ 145	$ 151
Residential \| Real estate:
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	3	5
Performing	$ 145	$ 254
Commercial
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	1	3
Performing	$ 139	$ 848
Commercial \| Real estate:
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract		1
Performing		$ 2,709
Performing
Financing Receivable, Modifications [Line Items]
Performing	$ 0	3,219
Number of loans paid off \| contract	2
Loans paid off, amount	$ 3,200
Performing \| Acquired loans
Financing Receivable, Modifications [Line Items]
Performing	0	0
Performing \| Residential \| Real estate:
Financing Receivable, Modifications [Line Items]
Performing	0	0
Performing \| Commercial
Financing Receivable, Modifications [Line Items]
Performing	0	510
Performing \| Commercial \| Real estate:
Financing Receivable, Modifications [Line Items]
Performing		2,709
Nonperforming
Financing Receivable, Modifications [Line Items]
Performing	284	592
Nonperforming \| Acquired loans
Financing Receivable, Modifications [Line Items]
Performing	145	151
Nonperforming \| Residential \| Real estate:
Financing Receivable, Modifications [Line Items]
Performing	145	254
Nonperforming \| Commercial
Financing Receivable, Modifications [Line Items]
Performing	$ 139	338
Nonperforming \| Commercial \| Real estate:
Financing Receivable, Modifications [Line Items]
Performing		$ 0

Loans Receivable - Outstanding Loan Commitments (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Off-balance sheet risk, allowance	$ 1,053	$ 901
Commitments to Extend Credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	209,209	180,699
Letters of credit	6,216	6,759
Commitments to Extend Credit \| Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	52,083	46,580
Commitments to Extend Credit \| Commercial real estate \| Real estate:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	8,980	7,530
Commitments to Extend Credit \| Commercial real estate \| Construction commitments
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	6,358	7,350
Commitments to Extend Credit \| Residential real estate \| Real estate:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	12,853	7,072
Commitments to Extend Credit \| Residential real estate \| Construction commitments
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	72,424	56,463
Commitments to Extend Credit \| Residential real estate \| Loans Held For Sale
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	647	4,138
Commitments to Extend Credit \| Consumer \| Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	27,243	25,395
Commitments to Extend Credit \| Consumer \| Secured credit card
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	29,142	30,161
Commitments to Extend Credit \| Consumer \| Personal
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	$ 126	$ 148

Loans Receivable - Activity in Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of year				$ 10,033				$ 8,597	$ 10,033	$ 8,597
Provision charged to operating expense	$ 500	$ 495	$ 630	515	$ 785	$ 700	$ 620	550	2,140	2,655
Recoveries									231	433
Balance at end of year	11,308				10,033				11,308	10,033
Mortgage Loans Sold
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of year				457				442	457	442
Provision charged to operating expense									106	115
Recoveries									0	0
Charge-offs									(62)	(100)
Balance at end of year	501				457				501	457
Unfunded Lines of Credit
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance at beginning of year				$ 901				$ 801	901	801
Provision charged to operating expense									152	100
Recoveries									0	0
Charge-offs									0	0
Balance at end of year	$ 1,053				$ 901				$ 1,053	$ 901

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 8,594	$ 7,503
Less: Accumulated depreciation and amortization	5,619	4,902
Premises and equipment, net	2,975	2,601
Depreciation and amortization expense	1,085	983
Leasehold improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	1,686	1,065
Furniture and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	4,430	4,107
Vehicle
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	54	54
Software
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	2,405	2,163
Construction in progress
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 19	$ 114

Derivative Financial Instruments (Details) - USD ($)		12 Months Ended
Derivative Financial Instruments (Details) - USD ($)	Jan. 07, 2015	Dec. 31, 2018	Dec. 31, 2017
Interest Rate Swap
Derivatives, Fair Value [Line Items]
Notional amount	$ 2,000,000
Fair value of derivative		$ 5,000	$ 7,000
Derivative, term of contract	4 years
Derivative, fixed interest rate	3.493%
Hedge ineffectiveness on derivative		0
Interest Rate Swap \| London Interbank Offered Rate (LIBOR)
Derivatives, Fair Value [Line Items]
Derivative, basis spread on variable rate	1.87%
Forward Contracts \| Forward Sales Agreement
Derivatives, Fair Value [Line Items]
Notional amount		25,000,000	41,000,000
Liability, notional amount		4,300,000	12,600,000
Fair value of derivative		(253,000)	(42,000)
Liability, fair value of derivative		59,000	18,000
Interest Rate Lock Commitments \| Interest Rate Contract
Derivatives, Fair Value [Line Items]
Notional amount		32,900,000	56,900,000
Best Efforts Basis \| Interest Rate Lock Commitments \| Interest Rate Contract
Derivatives, Fair Value [Line Items]
Notional amount		1,800,000	6,200,000
Fair value of derivative		31,000	102,000
Designated as Hedging Instrument \| Excluding Best Efforts Basis Commitments \| Interest Rate Lock Commitments \| Interest Rate Contract
Derivatives, Fair Value [Line Items]
Notional amount		31,100,000	50,700,000
Fair value of derivative		$ 234,000	$ 108,000

Interest Bearing Deposits - Major Categories (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Deposits [Abstract]
NOW accounts	$ 85,747	$ 74,663
Money market accounts	288,896	312,809
Savings	2,866	3,450
Certificates of deposit of $250,000 or more	99,412	74,930
Other time deposits	236,060	242,412
Total Interest Bearing Deposits	712,981	708,264
Certificates of deposits, brokered	76,100	72,500
Certificate of Deposit Account Registry Service	$ 45,100	$ 61,000

Interest Bearing Deposits - Maturities (Details) $ in Thousands	Dec. 31, 2018 USD ($)
Deposits [Abstract]
2019	$ 241,195
2020	80,468
2021	12,924
2022	275
2023, and thereafter	610
Certificates of deposit	$ 335,472

Securities Sold Under Agreements to Repurchase (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Amortized Cost
Assets Sold under Agreements to Repurchase [Line Items]
Investment securities pledged to secure the underlying agreements at year end:	$ 22,745	$ 21,838
Fair Value
Assets Sold under Agreements to Repurchase [Line Items]
Investment securities pledged to secure the underlying agreements at year end:	22,524	21,929
Securities sold under agreements to repurchase
Assets Sold under Agreements to Repurchase [Line Items]
Average amount outstanding	$ 10,596	$ 9,684
Average rate paid during the year	1.38%	0.15%
Maximum amount outstanding at month end	$ 12,445	$ 12,472
Securities sold under agreements to repurchase \| Amortized Cost
Assets Sold under Agreements to Repurchase [Line Items]
Investment securities pledged to secure the underlying agreements at year end:	16,032	14,405
Securities sold under agreements to repurchase \| Fair Value
Assets Sold under Agreements to Repurchase [Line Items]
Investment securities pledged to secure the underlying agreements at year end:	$ 15,862	$ 14,475

Borrowed Funds - Schedule of Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Oct. 01, 2017	Jul. 30, 2016	Nov. 24, 2015
Debt Instrument [Line Items]
Total - Federal funds purchased	$ 2,000	$ 0
Total - FHLB advances	2,000	$ 2,000
Interest
Less: Unamortized debt issuance costs	(169)	$ (201)
Total - Other borrowed funds	15,393	17,361
FHLB advance due March 25, 2019
Debt Instrument [Line Items]
Total - FHLB advances	$ 2,000	$ 2,000
Interest	4.26%	4.26%
Senior Notes \| Senior promissory note due July 31, 2019
Debt Instrument [Line Items]
Interest	0.00%	5.50%	5.50%	5.00%
Long-term debt, gross	$ 0	$ 2,000
Junior Subordinated Debt \| Junior subordinated debentures due June 15, 2036
Debt Instrument [Line Items]
Interest	4.68%	3.56%
Long-term debt, gross	$ 2,062	$ 2,062
Senior Subordinated Notes \| Other subordinated notes due December 1, 2025
Debt Instrument [Line Items]
Interest	6.95%	6.95%			6.95%
Long-term debt, gross	$ 13,500	$ 13,500
Pacific Coast Bankers Bank \| Line of Credit
Debt Instrument [Line Items]
Total - Federal funds purchased	$ 2,000	$ 0
Interest	3.28%	0.00%

Borrowed Funds - Additional Information (Details) - USD ($)		12 Months Ended
	Nov. 24, 2015	Dec. 31, 2018	Dec. 31, 2017	Oct. 01, 2017	Jul. 30, 2016	Jun. 15, 2016	Jul. 30, 2014
Debt Instrument [Line Items]
Interest rate
Federal funds purchased		$ 2,000,000	$ 0
Federal home loan bank advances		$ 2,000,000	$ 2,000,000
Senior Notes \| Senior promissory note due July 31, 2019
Debt Instrument [Line Items]
Face amount							$ 5,000,000
Repurchased amount					$ 3,000,000
Interest rate		0.00%	5.50%	5.50%	5.00%
Junior Subordinated Debt \| Junior subordinated debentures due June 15, 2036
Debt Instrument [Line Items]
Interest rate		4.68%	3.56%
Junior Subordinated Debt \| Junior subordinated debentures due June 15, 2036 \| London Interbank Offered Rate (LIBOR)
Debt Instrument [Line Items]
Basis spread on variable rate		1.87%
Senior Subordinated Notes \| Other subordinated notes due December 1, 2025
Debt Instrument [Line Items]
Face amount	$ 13,500,000
Interest rate	6.95%	6.95%	6.95%
Basis spread on variable rate	5.33%
Debt issuance costs	$ 278,231
Line of Credit
Debt Instrument [Line Items]
Maximum borrowing capacity		$ 28,000,000
Capital Securities \| Junior Subordinated Debt \| Junior subordinated debentures due June 15, 2036
Debt Instrument [Line Items]
Face amount						$ 2,000,000
Securities issued (in shares)						2,000
Common Securities \| Junior Subordinated Debt \| Junior subordinated debentures due June 15, 2036
Debt Instrument [Line Items]
Face amount						$ 62,000
Federal Home Loan Bank \| Line of Credit
Debt Instrument [Line Items]
FHLB maximum borrowing capacity, percent of assets		25.00%
FHLB available borrowing capacity		$ 185,600,000	$ 84,100,000
Pacific Coast Bankers Bank \| Line of Credit
Debt Instrument [Line Items]
Interest rate		3.28%	0.00%
Federal funds purchased		$ 2,000,000	$ 0
Financial Network \| Certificates of Deposit
Debt Instrument [Line Items]
Maximum borrowing capacity		$ 161,200,000	152,400,000
Maximum borrowing capacity, percent of assets		15.00%
Pledged Loans \| Federal Home Loan Bank \| Line of Credit
Debt Instrument [Line Items]
Current borrowing capacity		$ 235,200,000	78,800,000
Pledged Loans \| Federal Reserve Bank Of Richmond \| Line of Credit
Debt Instrument [Line Items]
Current borrowing capacity		13,100,000	17,900,000
Federal home loan bank advances		0	0
Collateral Pledged \| Federal Home Loan Bank \| Line of Credit
Debt Instrument [Line Items]
Investments at fair value		$ 6,700,000	$ 7,500,000

Related-Party Transactions - Activity in Related Party Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance at beginning of year	$ 16,268	$ 13,529
Add: New loans	2,093	34,386
Less: Amounts collected	(3,588)	(36,447)
Add (deduct): Relationship changes	(1,552)	4,800
Balance at end of year	$ 13,221	$ 16,268

Related-Party Transactions - Additional Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Officers and Directors
Related Party Transaction [Line Items]
Related party deposits	$ 155,800	$ 178,000
Director
Related Party Transaction [Line Items]
Notes payable, related parties	4,500	7,100
Director \| Lease Payments
Related Party Transaction [Line Items]
Expenses from transactions with related party	566	555
Senior Promissory Notes \| Director
Related Party Transaction [Line Items]
Notes payable, related parties		1,400
Convertible Subordinated Notes \| Director
Related Party Transaction [Line Items]
Notes payable, related parties	1,000	1,000
Church Street Capital \| Director
Related Party Transaction [Line Items]
Due to subsidiaries	$ 2,000	$ 4,900

Income Taxes - Components of Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Current
Federal									$ 3,696	$ 4,612
State									1,427	1,231
Total Current Expense									5,123	5,843
Deferred tax benefit									(141)	(239)
Change in corporate income tax rate									0	1,386
Total Income Tax Expense	$ 1,276	$ 1,190	$ 1,158	$ 1,358	$ 2,062	$ 1,941	$ 1,822	$ 1,164	$ 4,982	$ 6,990

Income Taxes - Components of Net Deferred Tax Asset (Details) - USD ($)	Dec. 31, 2018	Dec. 31, 2017
Deferred tax assets
Allowance for loan and credit losses	$ 3,384,000	$ 3,003,000
Reserve for recourse on mortgage loans sold	138,000	125,000
Nonaccrual interest	63,000	268,000
Foreclosed real estate write-downs	3,000	8,000
Stock-based compensation	239,000	188,000
Long-term incentive program (LTIP)	189,000	77,000
Core deposit intangible	24,000	26,000
Unrealized loss on investment securities available for sale	227,000	97,000
Net operating loss carryforward	244,000	212,000
Deferred tax assets, gross	4,511,000	4,004,000
Deferred tax liabilities
Unrealized gain on cash flow hedging derivative	2,000	2,000
Unrealized gain on loans held for sale	51,000	9,000
Accumulated depreciation	516,000	399,000
Deferred casualty gain	1,000	1,000
Other	43,000	0
Deferred tax liabilities, gross	613,000	411,000
Net deferred tax asset before valuation allowance	3,898,000	3,593,000
Less: Valuation allowance	244,376	212,367
Net deferred tax asset	$ 3,654,000	$ 3,381,000

Income Taxes - Reconciliation of Federal Tax Rate to the Effective Rate (Details)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Statutory federal income tax rate	21.00%	34.00%
State income taxes, net of federal income tax benefit	6.35%	5.37%
Nondeductible expenses	0.42%	0.84%
Tax exempt income	(0.04%)	(0.22%)
Change in corporate income tax rate	0.00%	9.83%
Other	0.34%	(0.24%)
Effective Tax Rate	28.07%	49.58%

Capital Standards (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Tier 1 leverage ratio (to average assets)
Tier One Leverage Capital	$ 117,220	$ 82,428
Tier One Leverage Capital to Average Assets	10.76%	8.10%
Tier One Leverage Capital Required for Capital Adequacy	$ 43,575	$ 40,724
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%	4.00%
Tier One Leverage Capital Full Phase In Of Base III	$ 43,575	$ 40,724
Tier One Leverage Capital Full Phase In Of Base III To Average Assets	4.00%	4.00%
Tier 1 capital (to risk-weighted assets)
Tier One Risk Based Capital	$ 117,220	$ 82,428
Tier One Risk Based Capital to Risk Weighted Assets	12.95%	10.18%
Tier One Risk Based Capital Required for Capital Adequacy	$ 71,259	$ 58,717
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	7.875%	7.25%
Tier One Risk Based Capital Full Phase In Of Base III	$ 76,914	$ 68,841
Tier One Risk Based Capital Full Phase In Of Base III To Risk Weighted Assets	8.50%	8.50%
Common equity tier 1 capital ratio (to risk-weighted assets)
Common Equity Tier One Capital	$ 115,158	$ 80,366
Common Equity Tier One Capital Ratio	12.73%	9.92%
Common Equity Tier One Capital Required for Capital Adequacy	$ 57,686	$ 46,569
Common Equity Tier One Capital Required For Capital Adequacy To Risk Weighted Assets	6.375%	5.75%
Common Equity Tier One Capital Full Phase In Of Base III	$ 63,341	$ 56,693
Common Equity Tier One Capital Full PHase In Of Base III To Risk Weighted Assets	7.00%	7.00%
Total capital ratio (to risk-weighted assets)
Capital	$ 128,544	$ 92,562
Capital to Risk Weighted Assets	14.21%	11.43%
Capital Required for Capital Adequacy	$ 89,356	$ 74,915
Capital Required for Capital Adequacy to Risk Weighted Assets	9.875%	9.25%
Capital Full Phase In Of Base III	$ 95,012	$ 85,039
Capital Full Phase In Of Base III To Risk Weighted Assets	10.50%	10.50%
The Bank
Tier 1 leverage ratio (to average assets)
Tier One Leverage Capital	$ 96,122	$ 86,150
Tier One Leverage Capital to Average Assets	9.06%	8.55%
Tier One Leverage Capital Required for Capital Adequacy	$ 42,445	$ 40,316
Tier One Leverage Capital Required for Capital Adequacy to Average Assets	4.00%	4.00%
Tier One Leverage Capital Required to be Well Capitalized	$ 53,056	$ 50,395
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%
Tier One Leverage Capital Full Phase In Of Base III	$ 42,445	$ 40,316
Tier One Leverage Capital Full Phase In Of Base III To Average Assets	4.00%	4.00%
Tier 1 capital (to risk-weighted assets)
Tier One Risk Based Capital	$ 96,122	$ 86,150
Tier One Risk Based Capital to Risk Weighted Assets	11.00%	10.78%
Tier One Risk Based Capital Required for Capital Adequacy	$ 68,822	$ 57,928
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	7.875%	7.25%
Tier One Risk Based Capital Required to be Well Capitalized	$ 69,914	$ 63,920
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	8.00%	8.00%
Tier One Risk Based Capital Full Phase In Of Base III	$ 74,284	$ 67,915
Tier One Risk Based Capital Full Phase In Of Base III To Risk Weighted Assets	8.50%	8.50%
Common equity tier 1 capital ratio (to risk-weighted assets)
Common Equity Tier One Capital	$ 96,122	$ 86,150
Common Equity Tier One Capital Ratio	11.00%	10.78%
Common Equity Tier One Capital Required for Capital Adequacy	$ 55,713	$ 45,943
Common Equity Tier One Capital Required For Capital Adequacy To Risk Weighted Assets	6.375%	5.75%
Common Equity Tier One Capital Required to be Well-Capitalized	$ 56,805	$ 51,935
Common Equity Tier One Capital To Be Well Capitalized To Risk Weighted Assets	6.50%	6.50%
Common Equity Tier One Capital Full Phase In Of Base III	$ 61,175	$ 55,930
Common Equity Tier One Capital Full PHase In Of Base III To Risk Weighted Assets	7.00%	7.00%
Total capital ratio (to risk-weighted assets)
Capital	$ 107,061	$ 96,148
Capital to Risk Weighted Assets	12.25%	12.03%
Capital Required for Capital Adequacy	$ 86,301	$ 73,908
Capital Required for Capital Adequacy to Risk Weighted Assets	9.875%	9.25%
Capital Required to be Well Capitalized	$ 87,393	$ 79,900
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%
Capital Full Phase In Of Base III	$ 91,763	$ 83,895
Capital Full Phase In Of Base III To Risk Weighted Assets	10.50%	10.50%

Stock-Based Compensation - Additional Information (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Aug. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation expense	$ 723,711	$ 625,870
Weighted average grant date fair value	$ 2.56	$ 2.68
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)			4,173,520
Number of shares available for grant (in shares)	542,215
Award vesting period	4 years
Awards exercisable each anniversary of grant date, percent	25.00%
Unrecognized compensation expense	$ 1,382,842	$ 996,283
Unrecognized compensation expense period for recognition	5 years	4 years
Exercises in period, intrinsic value	$ 1,300,000	$ 1,200,000
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense (awards other than options)	$ 230,000	$ 244,000

Stock-Based Compensation - Stock Options Outstanding (Details) - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Outstanding at beginning of year (in shares)	1,363,444	1,599,976
Add: Granted (in shares)	373,750	260,600
Less: Exercised (in shares)	(230,894)	(358,332)
Less: Retired on exercise (in shares)	(37,240)	0
Less: Expired/cancelled/forfeited (in shares)	(37,200)	(138,800)
Outstanding at end of year (in shares)	1,431,860	1,363,444
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Outstanding at beginning of year (in dollars per share)	$ 8.01	$ 6.36
Add: Granted (in dollars per share)	11.44	12.38
Less: Exercised (in dollars per share)	5.67	4.65
Less: Retired on exercise (in dollars per share)	5.07	0.00
Less: Expired/cancelled/forfeited (in dollars per share)	7.34	5.87
Outstanding at end of year (in dollars per share)	$ 9.38	$ 8.01
Exercisable at end of year (in shares)	643,610	644,472
Exercisable at end of year (in dollars per share)	$ 7.78	$ 6.47

Stock-Based Compensation - Stock Option Summary (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price (in dollars per share)	$ 9.38	$ 8.01	$ 6.36
Average Remaining Life (years)	3 years 1 month 6 days
Outstanding Shares (in shares)	1,431,860	1,363,444	1,599,976
Exercisable Shares (in shares)	643,610	644,472
Outstanding Shares, intrinsic value	$ 3,178,491	$ 5,951,363
Exercisable Shares, intrinsic value	$ 2,399,743	$ 4,271,277
Exercise Price Range 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price (in dollars per share)	$ 6.63	$ 5.00
Average Remaining Life (years)	1 year	1 year
Outstanding Shares (in shares)	283,886	211,952
Exercisable Shares (in shares)	268,886	211,952
Exercise Price Range 2
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price (in dollars per share)	$ 7.50	$ 6.63
Average Remaining Life (years)	2 years	2 years
Outstanding Shares (in shares)	297,348	323,792
Exercisable Shares (in shares)	207,898	218,868
Exercise Price Range 3
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price (in dollars per share)	$ 8.50	$ 7.50
Average Remaining Life (years)	3 years	3 years
Outstanding Shares (in shares)	222,276	328,900
Exercisable Shares (in shares)	103,176	154,100
Exercise Price Range 4
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price (in dollars per share)	$ 11.38	$ 8.50
Average Remaining Life (years)	5 years	4 years
Outstanding Shares (in shares)	354,750	238,200
Exercisable Shares (in shares)	0	59,552
Exercise Price Range 5
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price (in dollars per share)	$ 12.38	$ 12.38
Average Remaining Life (years)	4 years	5 years
Outstanding Shares (in shares)	266,600	260,600
Exercisable Shares (in shares)	63,650	0
Exercise Price Range 6
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted Average Exercise Price (in dollars per share)	$ 12.80	$ 8.01
Average Remaining Life (years)	4 years 9 months 18 days	2 years 7 months 6 days
Outstanding Shares (in shares)	7,000	1,363,444
Exercisable Shares (in shares)	0	644,472

Stock-Based Compensation - Stock Option Pricing Assumptions (Details)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Dividend yield	0.00%	0.00%
Risk free interest rate	2.53%	2.20%
Expected volatility	18.94%	18.94%
Expected life in years	5 years	5 years

Stock-Based Compensation - Restricted Stock Summary (Details) - Restricted Stock - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Nonvested at beginning of year (in shares)	42,000	52,000
Add: Granted (in shares)	12,000	10,000
Less: Vested (in shares)	(16,000)	(16,000)
Less: Forfeited (in shares)	0	(4,000)
Nonvested at end of year (in shares)	38,000	42,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]
Nonvested at beginning of year (in dollars per share)	$ 8.66	$ 7.45
Add: Granted (in dollars per share)	12.38	12.38
Less: Vested (in dollars per share)	7.50	7.50
Less: Forfeited (in dollars per share)	0.00	6.88
Nonvested at end of year (in dollars per share)	$ 10.32	$ 8.66

Stock-Based Compensation - Restricted Stock Vesting Schedule (Details) - Restricted Stock - shares	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
2019	18,500
2020	5,500
2021	5,500
2022	5,500
2023	3,000
Nonvested restricted stock	38,000	42,000	52,000

Parent Company Financial Information - Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Assets
Cash and cash equivalents	$ 34,723	$ 52,311	$ 38,134
Loans receivable, net of allowance for loan losses of $208 and $44 at December 31, 2018 and 2017, respectively	988,960	877,387
Allowance for loan losses	11,308	10,033	8,597
Accrued interest receivable	4,462	3,867
Prepaid income taxes	90	1,532
Deferred income taxes	3,654	3,381
Other assets	2,091	2,095
Total assets	1,105,058	1,026,009
Liabilities
Other Borrowings	15,393	17,361
Accrued interest payable	1,565	1,084
Other liabilities	10,964	9,286
Total liabilities	990,494	945,890
Stockholders' equity
Common Stock, Value, Issued	137	115
Additional paid-in capital	49,321	27,051
Retained earnings	65,701	53,200
Accumulated other comprehensive loss	(595)	(247)
Total stockholders' equity	114,564	80,119	70,747
Liabilities and Equity	1,105,058	1,026,009
Parent Company
Assets
Cash and cash equivalents	3,768	798	$ 1,552
Loans receivable, net of allowance for loan losses of $208 and $44 at December 31, 2018 and 2017, respectively	27,032	7,208
Allowance for loan losses	208	44
Accrued interest receivable	106	83
Due from subsidiaries	54	0
Prepaid income taxes	90	135
Deferred income taxes	18	18
Other assets	134	537
Total assets	130,072	97,831
Liabilities
Other Borrowings	15,393	17,361
Accrued interest payable	81	82
Due to subsidiaries	0	94
Other liabilities	34	175
Total liabilities	15,508	17,712
Stockholders' equity
Common Stock, Value, Issued	137	115
Additional paid-in capital	49,321	27,051
Retained earnings	65,701	53,200
Accumulated other comprehensive loss	(595)	(247)
Total stockholders' equity	114,564	80,119
Liabilities and Equity	130,072	97,831
Bank \| Parent Company
Assets
Investment	95,524	85,898
Church Street Capital \| Parent Company
Assets
Investment	3,284	3,092
Trust \| Parent Company
Assets
Investment	$ 62	$ 62

Parent Company Financial Information - Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Condensed Income Statements, Captions [Line Items]
Total interest income	$ 18,238	$ 17,447	$ 16,778	$ 16,664	$ 14,679	$ 15,003	$ 14,211	$ 12,773	$ 69,127	$ 56,666
Interest expense	3,348	2,955	2,657	2,279	2,117	2,044	1,866	1,728	11,239	7,755
Net interest income	14,890	14,492	14,121	14,385	12,562	12,959	12,345	11,045	57,888	48,911
Provision for loan losses	500	495	630	515	785	700	620	550	2,140	2,655
Net interest income after provision for loan losses									55,748	46,256
Noninterest Income	3,466	4,240	4,340	4,078	3,024	4,901	4,342	2,883	16,124	15,149
Noninterest Expense	13,094	13,900	13,529	13,600	13,385	12,180	11,387	10,355	54,123	47,306
Income before income taxes	4,762	4,337	4,302	4,348	1,416	4,980	4,680	3,023	17,749	14,099
Income tax benefit	(1,276)	(1,190)	(1,158)	(1,358)	(2,062)	(1,941)	(1,822)	(1,164)	(4,982)	(6,990)
Net income	$ 3,486	$ 3,147	$ 3,144	$ 2,990	$ (646)	$ 3,039	$ 2,858	$ 1,859	12,767	7,109
Parent Company
Condensed Income Statements, Captions [Line Items]
Interest and dividend revenue									577	342
Total interest income									4,827	2,792
Interest expense									1,071	1,148
Net interest income									3,756	1,644
Provision for loan losses									164	0
Net interest income after provision for loan losses									3,592	1,644
Noninterest Income									8	3
Noninterest Expense									(248)	(137)
Income before income taxes									3,352	1,510
Income tax benefit									188	308
Income before undistributed net income of subsidiaries									3,540	1,818
Equity in undistributed net income of subsidiaries									9,227	5,291
Net income									12,767	7,109
Bank \| Parent Company
Condensed Income Statements, Captions [Line Items]
Dividend									$ 4,250	$ 2,450

Parent Company Financial Information - Statements of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities
Net income	$ 3,486	$ 3,147	$ 3,144	$ 2,990	$ (646)	$ 3,039	$ 2,858	$ 1,859	$ 12,767	$ 7,109
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	500	$ 495	$ 630	515	785	$ 700	$ 620	550	2,140	2,655
Stock-based compensation expense									570	506
Director and employee compensation paid in Company stock									(141)	(239)
Amortization of debt issuance expense									32	34
Changes in assets and liabilities:
Accrued interest receivable									(595)	(654)
Prepaid income taxes and taxes payable									1,529	(393)
Other assets									4	913
Accrued interest payable									481	307
Other liabilities									1,334	(836)
Net cash provided by operating activities									28,302	34,814
Cash flows from investing activities
Net cash used by investing activities									(109,263)	(133,369)
Cash flows from financing activities
Repurchase of common stock									(45)	(512)
Proceeds from exercise of stock options									1,043	1,668
Proceeds from shares sold									198	0
Proceeds from initial public offering, net									19,764	0
Net cash provided by financing activities									63,373	112,732
Net increase in cash and cash equivalents									(17,588)	14,177
Cash and cash equivalents, beginning of year				52,311				38,134	52,311	38,134
Cash and cash equivalents, end of year	34,723				52,311				34,723	52,311
Parent Company
Cash flows from operating activities
Net income									12,767	7,109
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses									164	0
Equity in undistributed income-subsidiary									(9,227)	(6,380)
(Increase) decrease in receivable from subsidiary bank									(148)	144
Stock-based compensation expense									570	506
Director and employee compensation paid in Company stock									496	776
Deferred income tax benefit									(141)	(239)
Amortization of debt issuance expense									32	34
Changes in assets and liabilities:
Accrued interest receivable									(23)	(26)
Prepaid income taxes and taxes payable									45	69
Other assets									(169)	(443)
Accrued interest payable									(1)	0
Other liabilities									0	18
Net cash provided by operating activities									4,365	1,568
Cash flows from investing activities
Net increase in loans receivable									(19,988)	(3,558)
Capital injections to subsidiaries									(367)	80
Net cash used by investing activities									(20,355)	(3,478)
Cash flows from financing activities
Repayment of debt									(2,000)	0
Repurchase of common stock									(45)	(512)
Proceeds from exercise of stock options									1,043	1,668
Proceeds from shares sold									198	0
Proceeds from initial public offering, net									19,764	0
Net cash provided by financing activities									18,960	1,156
Net increase in cash and cash equivalents									2,970	(754)
Cash and cash equivalents, beginning of year				$ 798				$ 1,552	798	1,552
Cash and cash equivalents, end of year	$ 3,768				$ 798				$ 3,768	$ 798

Fair Value - Financial Instruments Measured at FV on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	$ 46,932	$ 54,029
Loans held for sale	18,526	26,344
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	46,932	54,028
Loans held for sale	18,526	26,344
Derivative assets	112	100
Derivative liabilities	253	42
Fair Value, Measurements, Recurring \| Level 1 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	0	0
Loans held for sale	0	0
Derivative assets	0	0
Derivative liabilities	0	0
Fair Value, Measurements, Recurring \| Level 2 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	46,932	54,028
Loans held for sale	18,526	26,344
Derivative assets	112	100
Derivative liabilities	253	42
Fair Value, Measurements, Recurring \| Level 3 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	0	0
Loans held for sale	0	0
Derivative assets	0	0
Derivative liabilities	0	0
U.S. government-sponsored enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	17,360	17,370
U.S. government-sponsored enterprises \| Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	17,360	17,370
U.S. government-sponsored enterprises \| Fair Value, Measurements, Recurring \| Level 1 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	0	0
U.S. government-sponsored enterprises \| Fair Value, Measurements, Recurring \| Level 2 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	17,360	17,370
U.S. government-sponsored enterprises \| Fair Value, Measurements, Recurring \| Level 3 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	0	0
Municipal
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	501	515
Municipal \| Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	501	516
Municipal \| Fair Value, Measurements, Recurring \| Level 1 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	0	0
Municipal \| Fair Value, Measurements, Recurring \| Level 2 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	501	516
Municipal \| Fair Value, Measurements, Recurring \| Level 3 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	0	0
Corporate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	2,885	3,077
Corporate \| Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	2,885	3,076
Corporate \| Fair Value, Measurements, Recurring \| Level 1 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	0	0
Corporate \| Fair Value, Measurements, Recurring \| Level 2 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	2,885	3,076
Corporate \| Fair Value, Measurements, Recurring \| Level 3 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	0	0
Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	26,186	33,067
Mortgage-backed securities \| Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	26,186	33,067
Mortgage-backed securities \| Fair Value, Measurements, Recurring \| Level 1 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	0	0
Mortgage-backed securities \| Fair Value, Measurements, Recurring \| Level 2 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	26,186	33,067
Mortgage-backed securities \| Fair Value, Measurements, Recurring \| Level 3 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Investment securities available for sale	$ 0	$ 0

Fair Value - Impaired Loans and Foreclosed Real Estate (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, net	$ 386	$ 366
Impaired loans, valuation allowance	262	60
Impaired loans	4,355	8,230
Foreclosed real estate	142	93
Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	4,093	8,170
Foreclosed real estate	142	93
Fair Value, Measurements, Nonrecurring \| Level 1 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Foreclosed real estate	0	0
Fair Value, Measurements, Nonrecurring \| Level 2 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Foreclosed real estate	0	0
Fair Value, Measurements, Nonrecurring \| Level 3 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, net	4,400	8,200
Impaired loans, valuation allowance	262	60
Impaired loans	4,093	8,170
Foreclosed real estate	$ 142	$ 93
Minimum \| Level 3 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, discounts to appraisals or cash flows for estimated holding and/or selling costs, percent	0.00%
Foreclosed real estate, discounts to appraisals for estimated holding and/or selling costs, percent	0.00%
Maximum \| Level 3 Inputs
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, discounts to appraisals or cash flows for estimated holding and/or selling costs, percent	25.00%
Foreclosed real estate, discounts to appraisals for estimated holding and/or selling costs, percent	25.00%

Fair Value - Financial Instruments Carrying Amount, FV and Placement (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financial assets
Cash and due from banks	$ 10,431	$ 8,189
Interest bearing deposits at other financial institutions	22,007	40,356
Federal funds sold	2,285	3,766
Contractual principal \| Level 1 Inputs
Financial assets
Cash and due from banks	10,431	8,189
Interest bearing deposits at other financial institutions	22,007	40,356
Federal funds sold	2,285	3,766
Restricted investments	2,503	2,369
Financial liabilities
Noninterest bearing deposits	242,259	196,635
Securities sold under agreements to repurchase	3,332	11,260
Contractual principal \| Level 3 Inputs
Financial assets
Loans receivable, net	988,960	877,387
Financial liabilities
Interest bearing deposits	712,981	708,264
FHLB advances and other borrowed funds	19,393	19,361
Aggregate fair value \| Level 1 Inputs
Financial assets
Cash and due from banks	10,431	8,189
Interest bearing deposits at other financial institutions	22,007	40,356
Federal funds sold	2,285	3,766
Restricted investments	2,503	2,369
Financial liabilities
Noninterest bearing deposits	242,259	196,635
Securities sold under agreements to repurchase	3,332	11,260
Aggregate fair value \| Level 3 Inputs
Financial assets
Loans receivable, net	979,058	872,446
Financial liabilities
Interest bearing deposits	711,876	702,930
FHLB advances and other borrowed funds	$ 19,447	$ 19,413

Lease Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
Lease Commitments (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Commitments and Contingencies Disclosure [Abstract]
2019	$ 1,089
2020	1,204
2021	1,187
2022	824
2023	712
After 2023	420
Total minimum rental commitment	5,436
Rent expense	$ 1,500	$ 1,400

Litigation (Details) - Lawsuit Pending In Circuit Court For Montgomery County, Maryland (Case No. 426478V) - Pending Litigation	12 Months Ended
	Dec. 31, 2018 USD ($) bank defendant count
Loss Contingencies [Line Items]
Number of other banking institutions, defendants \| bank	2
Number of pending claims \| count	3
Number of defendants \| defendant	3
Estimate of possible loss \| $	$ 4,000,000.0

Quarterly Results of Operations (unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2018	Dec. 31, 2017
Quarterly Financial Information Disclosure [Abstract]
Interest Income	$ 18,238	$ 17,447	$ 16,778	$ 16,664	$ 14,679	$ 15,003	$ 14,211	$ 12,773	$ 69,127	$ 56,666
Interest Expense	3,348	2,955	2,657	2,279	2,117	2,044	1,866	1,728	11,239	7,755
Net interest income	14,890	14,492	14,121	14,385	12,562	12,959	12,345	11,045	57,888	48,911
Provision for loan losses	500	495	630	515	785	700	620	550	2,140	2,655
Noninterest Income	3,466	4,240	4,340	4,078	3,024	4,901	4,342	2,883	16,124	15,149
Noninterest Expense	13,094	13,900	13,529	13,600	13,385	12,180	11,387	10,355	54,123	47,306
Income before income taxes	4,762	4,337	4,302	4,348	1,416	4,980	4,680	3,023	17,749	14,099
Provision for Income Taxes	1,276	1,190	1,158	1,358	2,062	1,941	1,822	1,164	4,982	6,990
Net income	$ 3,486	$ 3,147	$ 3,144	$ 2,990	$ (646)	$ 3,039	$ 2,858	$ 1,859	$ 12,767	$ 7,109
Basic earnings per share (in dollars per share)	$ 0.26	$ 0.27	$ 0.26	$ 0.26	$ (0.06)	$ 0.27	$ 0.26	$ 0.17	$ 1.05	$ 0.63
Diluted earnings per share (in dollars per share)	$ 0.25	$ 0.26	$ 0.26	$ 0.25	$ (0.06)	$ 0.27	$ 0.25	$ 0.17	$ 1.02	$ 0.62

Consolidated Statements of Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Income Statement [Abstract]
Deposits, related party	$ 1,727	$ 1,172

Cash and Cash Equivalents	12 Months Ended
Cash and Cash Equivalents	Dec. 31, 2018
Cash and Cash Equivalents [Abstract]
Cash and Cash Equivalents	Cash and Cash Equivalents Cash and cash equivalents include cash and due from banks, interest bearing deposits and federal funds sold. The Bank is required by regulation to maintain an average cash reserve balance based on a percentage of deposits. At December 31, 2018 and 2017, the requirements were satisfied by amounts on deposits with the Federal Reserve Bank and cash on hand.

Retirement Plan	12 Months Ended
Retirement Plan	Dec. 31, 2018
Retirement Benefits [Abstract]
Retirement Plan	Retirement Plan The Company provides a defined contribution plan qualifying under Section 401(k) of the Internal Revenue Code to eligible employees. The Company contributes 3% of eligible compensation on behalf of all full‑time employees up to limits prescribed by the Internal Revenue Code. The Company’s contribution to the plan was $553,224 in 2018 and $527,031 in 2017.

Subsequent Events	12 Months Ended
Subsequent Events	Dec. 31, 2018
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date.

Retirement Plan (Details) - USD ($)	12 Months Ended
Retirement Plan (Details) - USD ($)	Dec. 31, 2018	Dec. 31, 2017
Retirement Benefits [Abstract]
Company's contribution, percent of eligible compensation	3.00%
Company's contribution to the plan	$ 553,224	$ 527,031

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - USD ($) $ in Millions		12 Months Ended
	Sep. 28, 2018	Dec. 31, 2018
IPO \| Common Stock
Underwriting discount and offering costs	$ 3.2	$ 3.2

Fair Value - Loans Held For Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	$ 18,526	$ 26,344
Aggregate fair value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	18,526	26,344
Contractual principal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	17,822	25,637
Difference
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	$ 704	$ 707