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SEGMENT REPORTING
 12 Months Ended
Dec. 31, 2025
Segment Reporting [Abstract]  
SEGMENT REPORTING SEGMENT REPORTING
We conduct our operations through a single business segment. Substantially all of our interest and fees on loans and long-lived assets relate to our operations. Pursuant to FASB ASC 280, Segment Reporting, operating segments represent components of an enterprise for which separate financial information is available that is regularly evaluated by the chief operating decision maker in determining how to allocate resources and in assessing performance. The chief operating decision maker uses a variety of measures to assess the performance of the business as a whole, depending on the nature of the activity. The Company generates revenue from several business channels. Those streams are organized by the types of partners we work with to reach our customers, with success principally measured based on interest and fees on loans, loan receivables, active accounts and other sales metrics. Detailed profitability information of the nature that could be used to allocate resources and assess the performance and operations for each sales platform individually, however, is not used by our chief operating decision maker. Expense activities, including funding costs, credit losses and operating expenses, are not measured for each platform but instead are managed for the Company as a whole.
The following table represents segment information for the years ended December 31, 2025 and 2024:
For the Year Ended December 31,
20252024
Interest income:
Loans$80,716 $70,185 
Taxable investment income14,447 15,122 
Non-taxable investment income143 144 
Total interest income95,306 85,451 
Interest expense:
Deposits37,047 36,830 
Borrowed funds10,875 11,071 
Total interest expense47,922 47,901 
Net interest income47,384 37,550 
Provision for (release of) credit losses2,123 (1,350)
Net interest income after provision for (release of) credit losses45,261 38,900 
Non-interest income:
Fees and service charges1,089 1,203 
Other income594 591 
Total non-interest income1,683 1,794 
Non-interest expense:
Compensation and benefits31,935 29,433 
Occupancy and equipment9,091 8,878 
Data processing5,994 5,648 
Other expense9,949 8,646 
Total non-interest expense56,969 52,605 
Loss before income tax expense(10,025)(11,911)
Income tax expense— — 
Net loss$(10,025)$(11,911)
Our segment assets represent our assets as presented on the Consolidated Balance Sheets.