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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES    
NET INCOME $ 20,758 $ 18,396
Adjustments to reconcile net income to net cash provided by operating activities:    
PROVISION FOR CREDIT LOSSES 87,992 145,483
Depreciation and amortization 3,221 1,965
Increase in operating lease right-of-use assets 430 419
Increase in operating lease liabilities (437) (425)
Net amortization on investment securities 13 3
Unrealized holding loss (gain) on equity investment, net 423 (24)
Stock-based compensation 4,534 2,279
Increase in bank-owned life insurance value (255) (244)
Deferred tax (benefit) expense (228) 1,516
Net change in CCBX receivable 1,129 (2,432)
Net change in CCBX credit enhancement asset 14,111 (41,175)
Net change in CCBX payable 3,768 (1,112)
Net change in other assets and liabilities 2,261 4,191
Total adjustments 116,962 110,444
Net cash provided by operating activities 137,720 128,840
CASH FLOWS FROM INVESTING ACTIVITIES    
Change in other investments, net (2,144) (413)
Principal paydowns of investment securities available-for-sale 3 4
Principal paydowns of investment securities held-to-maturity 1,729 1,679
Maturities and calls of investment securities available-for-sale 0 100,000
Purchase of bank owned life insurance (18) (18)
Proceeds from sales of loans held for sale 2,044,298 255,672
Purchase of loans 0 (20,705)
Increase in loans receivable, net (2,235,451) (640,176)
Purchases of premises and equipment, net (4,842) (4,408)
Net cash used by investing activities (196,425) (308,365)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase in demand deposits, money market, and savings 331,828 186,334
Net decrease in time deposits (3,589) (3,266)
Proceeds from exercise of stock options, net of shares withheld to cover 21 574
Net cash for shares held to cover on restricted stock vesting (2,381) 0
Proceeds from public offering, expense true-up 72 0
Net cash provided by financing activities 325,951 183,642
NET CHANGE IN CASH, DUE FROM BANKS AND RESTRICTED CASH 267,246 4,117
CASH, DUE FROM BANKS AND RESTRICTED CASH, beginning of year 452,513 483,128
CASH, DUE FROM BANKS AND RESTRICTED CASH, end of quarter 719,759 487,245
SUPPLEMENTAL SCHEDULE OF OPERATING AND INVESTING ACTIVITIES    
Interest paid 59,913 60,679
Income taxes paid 6,583 3,628
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS    
Fair value adjustment of securities available-for-sale, gross 0 535
Operating and finance lease right-of-use assets 102 122
Lease liabilities arising from obtaining right-of-use assets 102 122
Transfer from loans to loans held for sale $ 2,084,172 $ 255,672