SEGMENTS (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2025 USD ($) segment	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments | segment	4
Number of operating segments | segment	4
Goodwill allocation percentage	100.00%
Interest income	$ 158,415	$ 121,418	$ 94,373
Interest expense	98,530	81,113	67,739
Net interest income	59,885	40,305	26,634
Provision for credit losses	38,729	26,216	11,704
Net interest income after provision for credit losses	21,156	14,089	14,930
Noninterest income	224,914	217,312	176,772
Technology services expense	0	12,261	14,272
Electronic payment processing expense	17,809	19,878	18,327
Salaries and employee benefits expense	84,770	77,931	65,708
Professional services expense	15,461	15,813	13,077
Other loan origination and maintenance expense	18,565	13,770	9,433
Loss on extinguishment of debt	179	0	271
Depreciation and amortization	668	1,784	2,884
Other general and administrative costs	28,641	21,272	22,357
Net income before taxes	79,977	68,692	45,373
Income tax expense	19,465	17,839	(1,956)
Net income	60,512	50,853	47,329
Assets	2,744,819	2,059,912	1,429,513
Goodwill and intangibles	14,597	14,752	30,120
Amortization of intangible assets	$ 170	539	1,468
Minimum
Segment Reporting Information [Line Items]
Equity capital allocation percentage	0.00%
Maximum
Segment Reporting Information [Line Items]
Equity capital allocation percentage	25.00%
Operating Segments | Banking
Segment Reporting Information [Line Items]
Interest income	$ 105,287	69,576	34,349
Interest expense	43,080	29,855	16,625
Net interest income	62,207	39,721	17,724
Provision for credit losses	38,729	26,216	11,704
Net interest income after provision for credit losses	23,478	13,505	6,020
Noninterest income	136,306	136,080	92,129
Technology services expense		0	0
Electronic payment processing expense	0	0	0
Salaries and employee benefits expense	57,918	45,346	35,385
Professional services expense	5,127	3,941	2,903
Other loan origination and maintenance expense	25,253	20,385	9,373
Loss on extinguishment of debt	0		0
Depreciation and amortization	169	182	208
Other general and administrative costs	14,544	12,426	10,506
Net income before taxes	56,773	67,305	39,774
Income tax expense	15,510	15,308	11,647
Net income	41,263	51,997	28,127
Assets	1,769,573	1,238,899	683,202
Goodwill and intangibles	783	938	1,114
Amortization of intangible assets	170	176	197
Operating Segments | Alternative Lending
Segment Reporting Information [Line Items]
Interest income	28,956	15,073	8,198
Interest expense	9,188	3,539	4,035
Net interest income	19,768	11,534	4,163
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	19,768	11,534	4,163
Noninterest income	81,102	55,824	12,278
Technology services expense		0	0
Electronic payment processing expense	0	0	0
Salaries and employee benefits expense	1,439	1,202	0
Professional services expense	309	165	294
Other loan origination and maintenance expense	8,131	6,095	2,222
Loss on extinguishment of debt	0		0
Depreciation and amortization	0	0	0
Other general and administrative costs	2,510	172	117
Net income before taxes	88,481	59,724	13,808
Income tax expense	0	0	(150)
Net income	88,481	59,724	13,958
Assets	744,113	439,101	196,062
Goodwill and intangibles	0	0	0
Amortization of intangible assets	0	0	0
Operating Segments | Technology
Segment Reporting Information [Line Items]
Interest income		6	0
Interest expense		0	246
Net interest income		6	(246)
Provision for credit losses		0	0
Net interest income after provision for credit losses		6	(246)
Noninterest income		27,020	31,692
Technology services expense		12,575	14,794
Electronic payment processing expense		0	0
Salaries and employee benefits expense		8,690	8,989
Professional services expense		678	468
Other loan origination and maintenance expense		38	11
Loss on extinguishment of debt			0
Depreciation and amortization		1,062	1,498
Other general and administrative costs		3,794	4,090
Net income before taxes		189	1,596
Income tax expense		103	229
Net income		86	1,367
Assets		23,317	23,403
Goodwill and intangibles		0	15,179
Amortization of intangible assets		350	466
Operating Segments | NSBF
Segment Reporting Information [Line Items]
Interest income	24,369	36,655	50,823
Interest expense	12,011	21,097	26,796
Net interest income	12,358	15,558	24,027
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	12,358	15,558	24,027
Noninterest income	(12,214)	(23,410)	25,142
Technology services expense		0	0
Electronic payment processing expense	0	0	0
Salaries and employee benefits expense	418	219	973
Professional services expense	1,775	2,482	1,508
Other loan origination and maintenance expense	14,263	16,069	24,327
Loss on extinguishment of debt	0		271
Depreciation and amortization	155	114	123
Other general and administrative costs	3,505	1,948	4,906
Net income before taxes	(19,972)	(28,684)	17,061
Income tax expense	0	0	0
Net income	(19,972)	(28,684)	17,061
Assets	410,234	479,896	633,206
Goodwill and intangibles	0	0	0
Amortization of intangible assets	0	0	0
Operating Segments | Payments
Segment Reporting Information [Line Items]
Interest income	3,712	2,362	2,087
Interest expense	4,372	2,984	3,577
Net interest income	(660)	(622)	(1,490)
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	(660)	(622)	(1,490)
Noninterest income	47,211	48,852	46,422
Technology services expense		0	0
Electronic payment processing expense	19,161	21,046	19,680
Salaries and employee benefits expense	8,245	7,188	7,152
Professional services expense	528	684	660
Other loan origination and maintenance expense	0	0	0
Loss on extinguishment of debt	179		0
Depreciation and amortization	344	356	1,021
Other general and administrative costs	1,792	2,757	3,087
Net income before taxes	16,302	16,199	13,332
Income tax expense	0	0	1,178
Net income	16,302	16,199	12,154
Assets	119,175	60,347	51,819
Goodwill and intangibles	13,814	13,814	13,827
Amortization of intangible assets	0	13	805
Elim
Segment Reporting Information [Line Items]
Interest income	(773)	(1,867)	(2,380)
Interest expense	(4,122)	(3,898)	(4,034)
Net interest income	3,349	2,031	1,654
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	3,349	2,031	1,654
Noninterest income	(77,371)	(55,061)	(75,028)
Technology services expense		0	0
Electronic payment processing expense	0	0	0
Salaries and employee benefits expense	7,295	3,041	0
Professional services expense	0	0	0
Other loan origination and maintenance expense	(84)	(95)	(71)
Loss on extinguishment of debt	0		0
Depreciation and amortization	0	0	0
Other general and administrative costs	(538)	(2,916)	(1,785)
Net income before taxes	(80,695)	(53,060)	(71,518)
Income tax expense	15,510	15,411	0
Net income	(96,205)	(68,471)	(71,518)
Assets	(688,384)	(605,643)	(481,443)
Elim | Banking
Segment Reporting Information [Line Items]
Interest income	(8)	(2)	0
Interest expense	(889)	(643)	(99)
Net interest income	881	641	99
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	881	641	99
Noninterest income	(29,250)	(28,068)	(26,091)
Technology services expense		0	0
Electronic payment processing expense	0	0	0
Salaries and employee benefits expense	(4,706)	(2,531)	0
Professional services expense	0	0	0
Other loan origination and maintenance expense	(14,778)	(14,060)	(7,133)
Loss on extinguishment of debt	0		0
Depreciation and amortization	0	0	0
Other general and administrative costs	(457)	(2,548)	(2,266)
Net income before taxes	(8,428)	(8,288)	(16,593)
Income tax expense	(15,510)	(15,308)	0
Net income	7,082	7,020	(16,593)
Assets	(45,506)	(29,932)	(29,136)
Elim | Alternative Lending
Segment Reporting Information [Line Items]
Interest income	(116)	(12)	(3)
Interest expense	0	0	0
Net interest income	(116)	(12)	(3)
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	(116)	(12)	(3)
Noninterest income	0	0	0
Technology services expense		0	0
Electronic payment processing expense	0	0	0
Salaries and employee benefits expense	(1,439)	(1,202)	0
Professional services expense	0	0	0
Other loan origination and maintenance expense	(5,551)	(4,044)	(1,469)
Loss on extinguishment of debt	0		0
Depreciation and amortization	0	0	0
Other general and administrative costs	(82)	0	0
Net income before taxes	6,956	5,234	1,466
Income tax expense	0	0	0
Net income	6,956	5,234	1,466
Assets	(141,549)	(97,352)	(51,820)
Elim | Technology
Segment Reporting Information [Line Items]
Interest income		(6)	0
Interest expense		0	(246)
Net interest income		(6)	246
Provision for credit losses		0	0
Net interest income after provision for credit losses		(6)	246
Noninterest income		(7,139)	(6,660)
Technology services expense		(314)	(522)
Electronic payment processing expense		0	0
Salaries and employee benefits expense		0	0
Professional services expense		0	0
Other loan origination and maintenance expense		0	0
Loss on extinguishment of debt			0
Depreciation and amortization		0	0
Other general and administrative costs		(271)	(236)
Net income before taxes		(6,560)	(5,656)
Income tax expense		(103)	0
Net income		(6,457)	(5,656)
Assets		(1,393)	(884)
Elim | NSBF
Segment Reporting Information [Line Items]
Interest income	(509)	(421)	(75)
Interest expense	0	0	0
Net interest income	(509)	(421)	(75)
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	(509)	(421)	(75)
Noninterest income	0	0	0
Technology services expense		0	0
Electronic payment processing expense	0	0	0
Salaries and employee benefits expense	55	682	0
Professional services expense	0	0	0
Other loan origination and maintenance expense	(8,824)	(11,020)	(18,100)
Loss on extinguishment of debt	0		0
Depreciation and amortization	0	0	0
Other general and administrative costs	(3)	(11)	(24)
Net income before taxes	8,263	9,928	18,049
Income tax expense	0	0	0
Net income	8,263	9,928	18,049
Assets	(68,629)	(55,488)	(97,683)
Elim | Payments
Segment Reporting Information [Line Items]
Interest income	(3,671)	(2,310)	(2,053)
Interest expense	(66)	(77)	(132)
Net interest income	(3,605)	(2,233)	(1,921)
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	(3,605)	(2,233)	(1,921)
Noninterest income	(2,517)	(2,028)	(2,893)
Technology services expense		0	0
Electronic payment processing expense	(1,517)	(1,168)	(1,353)
Salaries and employee benefits expense	(1,205)	11	0
Professional services expense	0	0	0
Other loan origination and maintenance expense	0	0	0
Loss on extinguishment of debt	0		0
Depreciation and amortization	0	0	0
Other general and administrative costs	(292)	(1,769)	(1,910)
Net income before taxes	(3,108)	(1,335)	(1,551)
Income tax expense	0	0	0
Net income	(3,108)	(1,335)	(1,551)
Assets	(98,332)	(36,707)	(27,154)
Corporate & Other
Segment Reporting Information [Line Items]
Interest income	1,168	2,364	3,427
Interest expense	34,956	28,256	20,971
Net interest income	(33,788)	(25,892)	(17,544)
Provision for credit losses	0	0	0
Net interest income after provision for credit losses	(33,788)	(25,892)	(17,544)
Noninterest income	81,647	65,242	79,781
Technology services expense		0	0
Electronic payment processing expense	165	0	0
Salaries and employee benefits expense	16,750	15,285	13,209
Professional services expense	7,722	7,863	7,244
Other loan origination and maintenance expense	155	402	273
Loss on extinguishment of debt	0		0
Depreciation and amortization	0	70	34
Other general and administrative costs	7,662	7,690	5,872
Net income before taxes	15,405	8,040	35,605
Income tax expense	3,955	2,428	(14,860)
Net income	11,450	5,612	50,465
Assets	744,124	644,867	529,941
Goodwill and intangibles	0	0	0
Amortization of intangible assets	$ 0	$ 0	$ 0