CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Interest income
Debt securities available-for-sale	$ 924	$ 1,482	$ 1,518
Loans and fees on loans	146,274	110,892	84,001
Other interest earning assets	11,217	9,044	8,854
Total interest income	158,415	121,418	94,373
Interest expense
Deposits	41,894	28,690	15,849
Total 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
Dividend income	3,211	1,519	1,757
Net loss on loan servicing assets	(16,692)	(12,665)	(4,282)
Servicing income	22,850	20,087	18,289
Net gains on sales of loans	47,555	97,183	51,467
Net gain on residuals in securitizations	30,015	0	0
Net gain on loans under the fair value option	61,157	5,200	18,008
Technology and IT support income	0	19,643	24,916
Electronic payment processing income	43,849	46,049	42,855
Other noninterest income	32,969	40,296	23,762
Total noninterest income	224,914	217,312	176,772
Noninterest expense
Salaries and employee benefits expense	84,770	77,931	65,708
Technology services expense	0	12,261	14,272
Electronic payment processing expense	17,809	19,878	18,327
Professional services expense	15,461	15,813	13,077
Other loan origination and maintenance expense	18,565	13,770	9,433
Depreciation and amortization	668	1,784	2,884
Loss on extinguishment of debt	179	0	271
Other general and administrative costs	28,641	21,272	22,357
Total noninterest expense	166,093	162,709	146,329
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
Dividends to preferred shareholders	(2,335)	(1,600)	(1,454)
Net income available to common shareholders	$ 58,177	$ 49,253	$ 45,875
Earnings per Common Share:
Basic (in dollars per share)	$ 2.21	$ 1.97	$ 1.89
Diluted (in dollars per share)	$ 2.18	$ 1.96	$ 1.88
Notes and securitizations
Interest expense
Interest expense	$ 42,846	$ 45,454	$ 40,217
Bank and FHLB borrowings
Interest expense
Interest expense	$ 13,790	$ 6,969	$ 11,673