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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
CASH FLOWS FROM OPERATING ACTIVITIES    
NET INCOME $ 12,019 $ 9,730
Adjustments to reconcile net income to net cash provided by operating activities:    
PROVISION FOR CREDIT LOSSES 51,398 55,781
Depreciation and amortization 1,673 1,554
Loss on disposition of fixed assets 11 0
Decrease in operating lease right-of-use assets 269 204
Decrease in operating lease liabilities (274) (207)
Net amortization on investment securities 18 3
Unrealized holding loss (gain) on equity investment, net (126) (16)
Stock-based compensation 2,000 2,540
Increase in bank-owned life insurance value (134) (126)
Deferred tax expense 803 (311)
Net change in CCBX receivable (1,879) 1,453
Net change in CCBX credit enhancement asset (2,930) (1,487)
Net change in CCBX payable 918 220
Net change in other assets and liabilities 12,208 2,346
Total adjustments 63,955 61,954
Net cash provided by operating activities 75,974 71,684
CASH FLOWS FROM INVESTING ACTIVITIES    
Net increase in FRB and FHLB securities (470) 0
Change in equity investments, net (590) (1,773)
Principal paydowns of investment securities available-for-sale 1 1
Principal paydowns of investment securities held-to-maturity 2,059 326
Purchase of intangible assets (125) 0
Proceeds from sales of loans held for sale 3,278,965 744,618
Purchase of loans 16,080 0
Purchase of loan participations 9 0
Increase in loans receivable, net (3,507,313) (845,144)
Purchases of premises and equipment, net (1,841) (2,762)
Net cash used by investing activities (213,225) (104,734)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase in demand deposits, money market, and savings 897,056 207,737
Net decrease in time deposits (91) (1,840)
Proceeds from exercise of stock options, net of shares withheld to cover (61) (160)
Net cash for shares held to cover on restricted stock vesting (1,156) (970)
Proceeds from public offering, expense true-up 0 72
Net cash provided by financing activities 895,748 204,839
NET CHANGE IN CASH, DUE FROM BANKS AND RESTRICTED CASH 758,497 171,789
CASH, DUE FROM BANKS AND RESTRICTED CASH, beginning of year 736,970 452,513
CASH, DUE FROM BANKS AND RESTRICTED CASH, end of quarter 1,495,467 624,302
SUPPLEMENTAL SCHEDULE OF OPERATING AND INVESTING ACTIVITIES    
Interest paid 27,094 28,700
Income taxes paid 8 105
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS    
Lease liabilities arising from obtaining right-of-use assets 89 102
Transfer from loans to loans held for sale $ 3,331,789 $ 766,149