v3.26.1
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, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Mar. 31, 2026
Dec. 31, 2025
Mar. 31, 2025
Dec. 31, 2024
ASSETS                
Cash and due from banks $ 1,008,448   $ 1,008,448     $ 736,970    
Intrabank assets 0   0     0    
Securities 45,245   45,245     48,247    
Loans held for sale 107,838   107,838     71,216    
Total loans receivable 4,208,270   4,208,270     3,749,531    
Allowance for credit losses (213,724) $ (164,794) (213,724) $ (164,794) $ (172,427) (169,530) $ (183,178) $ (176,994)
Other assets 300,075   300,075     305,003    
Total assets 5,456,152   5,456,152     4,741,437    
LIABILITIES                
Deposits 4,861,898   4,861,898     4,144,199    
Other Borrowings 48,112   48,112     48,036    
Intrabank liabilities 0   0     0    
Other liabilities 82,695   82,695     58,243    
Total liabilities 4,992,705   4,992,705     4,250,478    
Total interest income 118,554 107,797 230,235 212,704        
Interest (expense) income intrabank transfer 0 0 0 0        
Total interest expense 29,187 31,060 57,511 59,905        
Net interest income 89,367 76,737 172,724 152,799        
PROVISION FOR CREDIT LOSSES 92,157 32,211 143,555 87,992        
Net interest income after provision for credit losses - loans and unfunded commitments (2,790) 44,526 29,169 64,807        
Service charges and fees 1,016 913 1,866 1,773        
Other income 642 57 1,178 755        
Total noninterest income 88,707 42,693 154,784 106,170        
Salaries and employee benefits 23,615 21,450 46,779 42,967        
Occupancy 890 915 1,749 1,949        
Data processing and software licenses 14,348 5,541 21,991 10,423        
Legal and professional expenses 6,197 5,962 13,199 11,850        
Credit enhancement receivable valuation adjustment 46,009 0 46,009 0        
Other expenses 5,331 3,677 10,116 7,845        
BaaS loan and fraud expense 44,721 35,287 84,720 69,787        
Total noninterest expense 141,111 72,832 224,563 144,821        
Net income/(loss) before income taxes (55,194) 14,387 (40,610) 26,156        
Income taxes (13,089) 3,359 (10,524) 5,398        
NET (LOSS) INCOME (42,105) 11,028 (30,086) 20,758        
BaaS Program Income                
LIABILITIES                
Revenue from contract with customer 12,012 7,651 22,900 13,929        
BaaS indemnification income                
LIABILITIES                
Revenue from contract with customer 75,037 34,072 128,840 89,713        
BaaS loan expense                
LIABILITIES                
BaaS loan and fraud expense 40,409 32,483 77,349 64,990        
BaaS fraud expense                
LIABILITIES                
BaaS loan and fraud expense 4,312 2,804 7,371 4,797        
CCBX                
LIABILITIES                
Provision for unfunded commitments 12 (182) 23 602        
Operating Segments | Community Bank                
ASSETS                
Cash and due from banks 4,415   4,415     4,243    
Intrabank assets 0   0     0    
Securities 0   0     0    
Loans held for sale 0   0     0    
Total loans receivable 1,982,518   1,982,518     1,941,979    
Allowance for credit losses (15,723)   (15,723)     (18,231)    
Other assets 27,649   27,649     29,809    
Total assets 1,998,859   1,998,859     1,957,800    
LIABILITIES                
Deposits 1,574,166   1,574,166     1,586,359    
Other Borrowings 0   0     0    
Intrabank liabilities 416,575   416,575     366,216    
Other liabilities 8,118   8,118     5,225    
Total liabilities 1,998,859   1,998,859     1,957,800    
Total interest income 32,517 30,603 64,251 60,895        
Interest (expense) income intrabank transfer (3,931) (3,792) (7,556) (7,701)        
Total interest expense 5,657 6,783 11,228 13,387        
Net interest income 22,929 20,028 45,467 39,807        
PROVISION FOR CREDIT LOSSES (2,311) (216) (2,853) 291        
Net interest income after provision for credit losses - loans and unfunded commitments 25,240 20,244 48,320 39,516        
Service charges and fees 1,045 913 1,863 1,773        
Other income 155 174 269 332        
Total noninterest income 1,200 1,087 2,132 2,105        
Salaries and employee benefits 7,529 7,029 14,826 14,169        
Occupancy 757 818 1,569 1,649        
Data processing and software licenses 2,339 1,952 4,156 3,383        
Legal and professional expenses 377 700 821 744        
Credit enhancement receivable valuation adjustment 0 0 0 0        
Other expenses 956 2,114 1,968 3,043        
Total noninterest expense 11,958 12,613 23,340 22,988        
Net income/(loss) before income taxes 14,482 8,718 27,112 18,633        
Income taxes 3,731 2,138 5,649 3,725        
NET (LOSS) INCOME 10,751 6,580 21,463 14,908        
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 1,111   1,111     750    
Intrabank assets 989,920   989,920     633,600    
Securities 0   0     0    
Loans held for sale 107,838   107,838     71,216    
Total loans receivable 2,225,752   2,225,752     1,807,552    
Allowance for credit losses (198,001)   (198,001)     (151,299)    
Other assets 216,138   216,138     235,137    
Total assets 3,342,758   3,342,758     2,596,956    
LIABILITIES                
Deposits 3,287,732   3,287,732     2,557,840    
Other Borrowings 0   0     0    
Intrabank liabilities 0   0     0    
Other liabilities 55,026   55,026     39,116    
Total liabilities 3,342,758   3,342,758     2,596,956    
Total interest income 78,580 68,264 149,733 136,119        
Interest (expense) income intrabank transfer 5,962 7,825 14,118 13,910        
Total interest expense 22,386 23,617 44,485 45,198        
Net interest income 62,156 52,472 119,366 104,831        
PROVISION FOR CREDIT LOSSES 94,468 32,427 146,408 87,701        
Net interest income after provision for credit losses - loans and unfunded commitments (32,312) 20,045 (27,042) 17,130        
Service charges and fees (29) 0 3 0        
Other income 21 0 17 0        
Total noninterest income 87,041 41,723 151,760 103,642        
Salaries and employee benefits 12,050 8,766 23,577 16,741        
Occupancy 84 74 92 159        
Data processing and software licenses 10,323 3,843 15,358 5,582        
Legal and professional expenses 4,832 2,353 10,047 5,046        
Credit enhancement receivable valuation adjustment 46,009 0 46,009 0        
Other expenses 3,475 1,538 6,424 3,151        
Total noninterest expense 121,494 51,861 186,227 100,466        
Net income/(loss) before income taxes (66,765) 9,907 (61,509) 20,306        
Income taxes (15,587) 2,742 (14,369) 4,749        
NET (LOSS) INCOME (51,178) 7,165 (47,140) 15,557        
Operating Segments | CCBX | BaaS Program Income                
LIABILITIES                
Revenue from contract with customer 12,012 7,651 22,900 13,929        
Operating Segments | CCBX | BaaS indemnification income                
LIABILITIES                
Revenue from contract with customer 75,037 34,072 128,840 89,713        
Operating Segments | CCBX | BaaS loan expense                
LIABILITIES                
BaaS loan and fraud expense 40,409 32,483 77,349 64,990        
Operating Segments | CCBX | BaaS fraud expense                
LIABILITIES                
BaaS loan and fraud expense 4,312 2,804 7,371 4,797        
Operating Segments | Treasury & Administration                
ASSETS                
Cash and due from banks 1,002,922   1,002,922     731,977    
Intrabank assets (989,920)   (989,920)     (633,600)    
Securities 45,245   45,245     48,247    
Loans held for sale 0   0     0    
Total loans receivable 0   0     0    
Allowance for credit losses 0   0     0    
Other assets 56,288   56,288     40,057    
Total assets 114,535   114,535     186,681    
LIABILITIES                
Deposits 0   0     0    
Other Borrowings 48,112   48,112     48,036    
Intrabank liabilities (416,575)   (416,575)     (366,216)    
Other liabilities 19,551   19,551     13,902    
Total liabilities (348,912)   (348,912)     $ (304,278)    
Total interest income 7,457 8,930 16,251 15,690        
Interest (expense) income intrabank transfer (2,031) (4,033) (6,562) (6,209)        
Total interest expense 1,144 660 1,798 1,320        
Net interest income 4,282 4,237 7,891 8,161        
PROVISION FOR CREDIT LOSSES 0 0 0 0        
Net interest income after provision for credit losses - loans and unfunded commitments 4,282 4,237 7,891 8,161        
Service charges and fees 0 0 0 0        
Other income 466 (117) 892 423        
Total noninterest income 466 (117) 892 423        
Salaries and employee benefits 4,036 5,655 8,376 12,057        
Occupancy 49 23 88 141        
Data processing and software licenses 1,686 (254) 2,477 1,458        
Legal and professional expenses 988 2,909 2,331 6,060        
Credit enhancement receivable valuation adjustment 0 0 0 0        
Other expenses 900 25 1,724 1,651        
Total noninterest expense 7,659 8,358 14,996 21,367        
Net income/(loss) before income taxes (2,911) (4,238) (6,213) (12,783)        
Income taxes (1,233) (1,521) (1,804) (3,076)        
NET (LOSS) INCOME (1,678) (2,717) (4,409) (9,707)        
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