v3.25.2
Segment Reporting - Summary of Financial Information of Reportable Segments and Reconciliation to Consolidated Financial Results (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Mar. 31, 2025
Dec. 31, 2024
Mar. 31, 2024
Dec. 31, 2023
ASSETS                
Cash and Due from Banks $ 719,759   $ 719,759     $ 452,513    
Intrabank assets 0   0     0    
Securities 45,577   45,577     47,321    
Loans held for sale 60,474   60,474     20,600    
Total loans receivable 3,540,330   3,540,330     3,486,565    
Allowance for credit losses (164,794) $ (148,878) (164,794) $ (148,878) $ (183,178) (176,994) $ (139,941) $ (117,381)
Other assets 279,213   279,213     291,203    
Total assets 4,480,559   4,480,559     4,121,208    
LIABILITIES                
Deposits 3,913,571   3,913,571     3,585,332    
Other Borrowings 47,960   47,960     47,884    
Intrabank liabilities 0   0     0    
Other liabilities 57,319   57,319     49,288    
Total liabilities 4,018,850   4,018,850     3,682,504    
Total interest income 107,797 97,422 212,704 189,164        
Interest (expense) income intrabank transfer 0 0 0 0        
Total interest expense 31,060 31,250 59,905 60,786        
Net interest income 76,737 66,172 152,799 128,378        
PROVISION FOR CREDIT LOSSES 32,211 62,325 87,992 145,483        
Net interest income after provision for credit losses - loans and unfunded commitments 44,526 3,847 64,807 (17,105)        
Service charges and fees 913 946 1,773 1,854        
Other income 414 266 1,112 757        
Total noninterest income 42,693 69,138 106,170 155,314        
Salaries and employee benefits 21,401 16,973 42,883 34,913        
Occupancy 915 985 1,949 2,014        
Data processing and software licenses 5,541 3,977 10,423 7,455        
Legal and professional expenses 5,962 3,311 11,850 6,930        
Other expenses 3,726 1,923 7,929 5,336        
BaaS loan and fraud expense 35,287 30,795 69,787 57,825        
Total noninterest expense 72,832 57,964 144,821 114,473        
Net income/(loss) before income taxes 14,387 15,021 26,156 23,736        
Income taxes 3,359 3,425 5,398 5,340        
NET INCOME 11,028 11,596 20,758 18,396        
BaaS Program Income                
LIABILITIES                
Revenue from contract with customer 7,294 5,316 13,572 9,362        
BaaS indemnification income                
LIABILITIES                
Revenue from contract with customer 34,072 62,610 89,713 143,341        
BaaS loan expense                
LIABILITIES                
BaaS loan and fraud expense 32,483 29,011 64,990 55,118        
BaaS fraud expense                
LIABILITIES                
BaaS loan and fraud expense 2,804 1,784 4,797 2,707        
CCBX                
LIABILITIES                
Provision for unfunded commitments (182)   602          
Operating Segments | Community Bank                
ASSETS                
Cash and Due from Banks 5,229   5,229     4,510    
Intrabank assets 0   0     0    
Securities 0   0     0    
Loans held for sale 0   0     0    
Total loans receivable 1,860,050   1,860,050     1,882,988    
Allowance for credit losses (18,936)   (18,936)     (18,924)    
Other assets 28,667   28,667     28,272    
Total assets 1,875,010   1,875,010     1,896,846    
LIABILITIES                
Deposits 1,553,428   1,553,428     1,521,244    
Other Borrowings 0   0     0    
Intrabank liabilities 315,746   315,746     367,540    
Other liabilities 5,836   5,836     8,062    
Total liabilities 1,875,010   1,875,010     1,896,846    
Total interest income 30,603 30,741 60,895 60,793        
Interest (expense) income intrabank transfer (3,792) (5,836) (7,701) (11,435)        
Total interest expense 6,783 6,459 13,387 12,472        
Net interest income 20,028 18,446 39,807 36,886        
PROVISION FOR CREDIT LOSSES (216) (79) 291 1,931        
Net interest income after provision for credit losses - loans and unfunded commitments 20,244 18,525 39,516 34,955        
Service charges and fees 913 935 1,773 1,831        
Other income 174 129 332 415        
Total noninterest income 1,087 1,064 2,105 2,246        
Salaries and employee benefits 7,029 5,993 14,169 12,041        
Occupancy 818 904 1,649 1,726        
Data processing and software licenses 1,952 1,116 3,383 2,164        
Legal and professional expenses 700 31 744 50        
Other expenses 2,114 898 3,043 1,932        
Total noninterest expense 12,613 8,942 22,988 17,913        
Net income/(loss) before income taxes 8,718 10,647 18,633 19,288        
Income taxes 2,138 2,310 3,725 4,134        
NET INCOME 6,580 8,337 14,908 15,154        
Operating Segments | Community Bank | BaaS Program Income                
LIABILITIES                
Revenue from contract with customer 0 0 0 0        
Operating Segments | Community Bank | BaaS indemnification income                
LIABILITIES                
Revenue from contract with customer 0 0 0 0        
Operating Segments | Community Bank | BaaS loan expense                
LIABILITIES                
BaaS loan and fraud expense 0 0 0 0        
Operating Segments | Community Bank | BaaS fraud expense                
LIABILITIES                
BaaS loan and fraud expense 0 0 0 0        
Operating Segments | CCBX                
ASSETS                
Cash and Due from Banks 7   7     10,894    
Intrabank assets 600,724   600,724     411,768    
Securities 0   0     0    
Loans held for sale 60,474   60,474     20,600    
Total loans receivable 1,680,280   1,680,280     1,603,577    
Allowance for credit losses (145,858)   (145,858)     (158,070)    
Other assets 203,653   203,653     211,039    
Total assets 2,399,280   2,399,280     2,099,808    
LIABILITIES                
Deposits 2,360,143   2,360,143     2,064,088    
Other Borrowings 0   0     0    
Intrabank liabilities 0   0     0    
Other liabilities 39,137   39,137     35,720    
Total liabilities 2,399,280   2,399,280     2,099,808    
Total interest income 68,264 60,138 136,119 115,977        
Interest (expense) income intrabank transfer 7,825 8,299 13,910 16,450        
Total interest expense 23,617 24,119 45,198 46,973        
Net interest income 52,472 44,318 104,831 85,454        
PROVISION FOR CREDIT LOSSES 32,427 62,404 87,701 143,552        
Net interest income after provision for credit losses - loans and unfunded commitments 20,045 (18,086) 17,130 (58,098)        
Service charges and fees 0 11 0 23        
Other income 357 2 357 71        
Total noninterest income 41,723 67,939 103,642 152,797        
Salaries and employee benefits 8,766 7,047 16,741 14,398        
Occupancy 74 86 159 178        
Data processing and software licenses 3,843 1,235 5,582 2,198        
Legal and professional expenses 2,353 2,164 5,046 4,418        
Other expenses 1,538 1,032 3,151 1,833        
Total noninterest expense 51,861 42,359 100,466 80,850        
Net income/(loss) before income taxes 9,907 7,494 20,306 13,849        
Income taxes 2,742 2,074 4,749 3,655        
NET INCOME 7,165 5,420 15,557 10,194        
Operating Segments | CCBX | BaaS Program Income                
LIABILITIES                
Revenue from contract with customer 7,294 5,316 13,572 9,362        
Operating Segments | CCBX | BaaS indemnification income                
LIABILITIES                
Revenue from contract with customer 34,072 62,610 89,713 143,341        
Operating Segments | CCBX | BaaS loan expense                
LIABILITIES                
BaaS loan and fraud expense 32,483 29,011 64,990 55,118        
Operating Segments | CCBX | BaaS fraud expense                
LIABILITIES                
BaaS loan and fraud expense 2,804 1,784 4,797 2,707        
Operating Segments | Treasury & Administration                
ASSETS                
Cash and Due from Banks 714,523   714,523     437,109    
Intrabank assets (600,724)   (600,724)     (411,768)    
Securities 45,577   45,577     47,321    
Loans held for sale 0   0     0    
Total loans receivable 0   0     0    
Allowance for credit losses 0   0     0    
Other assets 46,893   46,893     51,892    
Total assets 206,269   206,269     124,554    
LIABILITIES                
Deposits 0   0     0    
Other Borrowings 47,960   47,960     47,884    
Intrabank liabilities (315,746)   (315,746)     (367,540)    
Other liabilities 12,346   12,346     5,506    
Total liabilities (255,440)   (255,440)     $ (314,150)    
Total interest income 8,930 6,543 15,690 12,394        
Interest (expense) income intrabank transfer (4,033) (2,463) (6,209) (5,015)        
Total interest expense 660 672 1,320 1,341        
Net interest income 4,237 3,408 8,161 6,038        
PROVISION FOR CREDIT LOSSES 0 0 0 0        
Net interest income after provision for credit losses - loans and unfunded commitments 4,237 3,408 8,161 6,038        
Service charges and fees 0 0 0 0        
Other income (117) 135 423 271        
Total noninterest income (117) 135 423 271        
Salaries and employee benefits 5,606 3,933 11,973 8,474        
Occupancy 23 (5) 141 110        
Data processing and software licenses (254) 1,626 1,458 3,093        
Legal and professional expenses 2,909 1,116 6,060 2,462        
Other expenses 74 (7) 1,735 1,571        
Total noninterest expense 8,358 6,663 21,367 15,710        
Net income/(loss) before income taxes (4,238) (3,120) (12,783) (9,401)        
Income taxes (1,521) (959) (3,076) (2,449)        
NET INCOME (2,717) (2,161) (9,707) (6,952)        
Operating Segments | Treasury & Administration | BaaS Program Income                
LIABILITIES                
Revenue from contract with customer 0 0 0 0        
Operating Segments | Treasury & Administration | BaaS indemnification income                
LIABILITIES                
Revenue from contract with customer 0 0 0 0        
Operating Segments | Treasury & Administration | BaaS loan expense                
LIABILITIES                
BaaS loan and fraud expense 0 0 0 0        
Operating Segments | Treasury & Administration | BaaS fraud expense                
LIABILITIES                
BaaS loan and fraud expense $ 0 $ 0 $ 0 $ 0