Summary of Significant Accounting Policies (Tables)

12 Months Ended

Dec. 31, 2025

Accounting Policies [Abstract]

Schedule of Intangible Assets

The table below presents the intangible assets as of the dates presented:


		December 31,
(Dollars in thousands)		2025				2024
Brand-related intellectual property		$	13,475			$	14,575
Home improvement contractor relationships			4,226				4,571
Total intangible assets		$	17,701			$	19,146

Summary of the Calculation of Basic and Diluted EPS

The table below presents the calculation of basic and diluted EPS.


		Year Ended December 31,
(Dollars in thousands, except share and per share data)		2025				2024				2023
Net income attributable to common stockholders		$	43,044			$	35,878			$	55,079
Weighted average common shares outstanding applicable to basic EPS			22,774,561				22,546,051				22,510,435
Effect of restricted stock grants			474,767				516,694				461,098
Effect of dilutive stock options			264,909				214,882				142,216
Effect of performance stock unit grants			733,551				327,866				134,574
Adjusted weighted average common shares outstanding applicable to diluted EPS		$	24,247,788			$	23,605,493			$	23,248,323
Basic earnings per share		$	1.89			$	1.59			$	2.45
Diluted earnings per share			1.78				1.52				2.37

Summary of Bank's Actual Capital Amounts and Ratios, and the Regulatory Minimum Ratios


		Regulatory								December 31,
(Dollars in thousands)		Adequately Capitalized				Well-Capitalized				2025				2024
Common equity tier 1 capital										$	356,038			$	322,229
Tier 1 capital											455,467				391,016
Total capital											487,292				422,139
Average assets											2,558,754				2,493,857
Risk-weighted assets											2,472,328				2,429,349
Leverage ratio (1)			4.0	%			5.0	%			17.8	%			15.7	%
Common equity tier 1 capital ratio (2)			4.5				6.5				14.4				13.3
Tier 1 capital ratio (3)			6.0				8.0				18.4				16.1
Total capital ratio (3)			8.0				10.0				19.7				17.4

(1)

Calculated by dividing Tier 1 capital by average assets.

(2)

Calculated by subtracting preferred stock or non-controlling interest from Tier 1 capital and dividing by risk-weighted assets.

(3)

Calculated by dividing Tier 1 or total capital by risk-weighted assets.