Allowance for Credit and Loan Losses (Tables)

3 Months Ended

Mar. 31, 2025

Receivables [Abstract]

Schedule of Allowance for Loan Losses

The following tables represent, by loan portfolio segment, a summary of changes in the ACL on loans for the three months ended March 31, 2025 and 2024:

	Three Months Ended March 31, 2025
	Commercial		Real Estate		Mortgage Warehouse		Consumer		Total
Balance, beginning of period	$	30,953	$	2,715	$	—	$	18,312	$	51,980
Credit loss expense (recovery)	1,640		405		—		(502)		1,543
Charge-offs	(7)		(2)		—		(1,453)		(1,462)
Recoveries	54		49		—		490		593
Balance, end of period	$	32,640	$	3,167	$	—	$	16,847	$	52,654

	Three Months Ended March 31, 2024
	Commercial		Real Estate		Mortgage Warehouse		Consumer		Total
Balance, beginning of period	$	29,736	$	2,503	$	481	$	17,309	$	50,029
Credit loss expense (recovery)	606		147		178		(262)		669
Charge-offs	114		(1)		—		(823)		(710)
Recoveries	58		6		—		335		399
Balance, end of period	$	30,514	$	2,655	$	659	$	16,559	$	50,387

Financial Instruments with Off-Balance Sheet Risk

The following tables represent, by loan portfolio segment, a summary of changes in the activity in the liability for commitments to extend credit and standby letters of credit (please see note 14):

	Three Month Ended
	March 31, 2025							45382	March 31, 2024
		Balance, beginning of period		Credit loss expense (reversal)		Ending balance			Balance, beginning of period		Credit loss expense (reversal)		Ending balance
Commercial		$	1,385	$	(253)	$	1,132		$	—	$	—	$	—
Real Estate		61		11		72			64		(18)		46
Mortgage Warehouse		—		—		—			—		—		—
Consumer		703		93		796			551		153		704
Total		$	2,149	$	(149)	$	2,000		$	615	$	135	$	750

The following table represents the commitments to extend credit and standby letters of credit as of March 31, 2025 and December 31, 2024, respectively:

	March 31, 2025		December 31, 2024
Commitments to extend credit	$	1,046,675	$	1,018,302
Standby letters of credit	26,096		23,457
Total	$	1,072,771	$	1,041,759