CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2025	Jun. 30, 2024
Operating activities
Net income	$ 116,994	$ 110,115
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation	2,229	1,976
Provision for credit losses on non-consumer fintech loans	2,368	3,840
Provision for credit losses on consumer fintech loans	89,101
Provision reversal for unfunded commitments	(253)	(419)
Net accretion of investment securities discounts/premiums	(2,812)	(458)
Stock-based compensation expense	9,766	7,158
Realized gains on commercial loans, at fair value	(705)	(1,883)
Gain on sale of fixed assets	(7)	(14)
Change in fair value of derivatives		284
Loss on sales/calls of investment securities		2
Decrease (increase) in accrued interest receivable	1,106	(7,355)
Decrease (increase) in other assets	19,127	(15,907)
Increase in consumer fintech loan credit enhancement receivables	(14,073)
Decrease in other liabilities	(4,425)	(4,794)
Net cash provided by operating activities	218,416	92,545
Investing activities
Purchase of investment securities available-for-sale	(53,071)	(913,050)
Proceeds from redemptions and prepayments of securities available-for-sale	125,978	85,238
Capitalized investment in other real estate owned	(1,756)
Sale of repossessed assets	2,600	7,030
Net increase in loans	(503,461)	(292,929)
Commercial loans, at fair value drawn during the period	(2,953)
Payments on commercial loans, at fair value	41,174	68,460
Proceeds from sale of fixed assets	121	70
Purchases of premises and equipment	(1,272)	(3,243)
Net cash used in investing activities	(392,640)	(1,048,424)
Financing activities
Net increase in deposits	19,889	474,778
Net decrease in securities sold under agreements to repurchase		(42)
Repurchases of common stock and excise tax	(75,523)	(151,353)
Net cash (used in) provided by financing activities	(55,634)	323,383
Net decrease in cash and cash equivalents	(229,858)	(632,496)
Cash and cash equivalents, beginning of period	570,123	1,038,090
Cash and cash equivalents, end of period	340,265	405,594
Supplemental disclosure:
Interest paid	95,231	84,880
Taxes paid	33,904	51,428
Transfers to other real estate owned from commercial loans, at fair value, and loans, net	2,273	40,912
Leased vehicles transferred to repossessed assets	$ 2,395	$ 6,151