v3.26.1
Summary of Significant Accounting Policies (Tables)
 6 Months Ended
Jun. 30, 2026
Accounting Policies [Abstract]  
Schedule of other income
                    
   Three Months Ended   Six Months Ended 
   June 30,   June 30, 
   2026   2025   2026   2025 
   (In thousands)   (In thousands) 
Origination and servicing fees from third party receivables  $1,438  $1,384   $2,725   $2,815 
Other   1,839    18    4,165    28 
Other income for the period  $3,277  $1,402   $6,890   $2,843 
Schedule of supplemental balance sheet information related to leases
          
   June 30,   December 31, 
   2026   2025 
   (In thousands) 
Operating Leases          
Operating lease right-of-use assets  $53,225   $53,225 
Less: Accumulated amortization right-of-use assets   (38,620)   (36,281)
Operating lease right-of-use assets, net  $14,605   $16,944 
           
Operating lease liabilities  $(16,765)  $(19,236)
           
Finance Leases          
Property and equipment, at cost  $4,589   $4,097 
Less: Accumulated depreciation   (3,869)   (3,684)
Property and equipment, net  $720   $413 
           
Finance lease liabilities  $(743)  $(428)
           
Weighted Average Discount Rate          
Operating lease   5.0%    5.0% 
Finance lease   6.6%    6.4% 
Schedule of maturities of lease liabilities
          
(In thousands)  Operating   Finance 
Year Ending December 31,  Lease   Lease 
2026 (excluding the six months ended June 30, 2026)  $2,814   $206 
2027   5,756    355 
2028   5,937    234 
2029   4,331    10 
2030   1,171    – 
2031   719    – 
Thereafter   50    – 
Total undiscounted lease payments   20,778    805 
Less amounts representing interest   (4,013)   (62)
Lease Liability  $16,765   $743 
Schedule of lease cost
                    
   Three Months Ended   Six Months Ended 
   June 30,   June 30, 
   2026   2025   2026   2025 
   (In thousands)   (In thousands) 
Operating lease cost  $1,317   $1,310   $2,637   $2,621 
Finance lease cost   103    55    207    110 
Total lease cost  $1,420   $1,365   $2,844   $2,731 
Schedule of supplemental cash flow information related to leases
                    
   Three Months Ended   Six Months Ended 
   June 30,   June 30, 
   2026   2025   2026   2025 
Cash paid for amounts included in the measurement of lease liabilities:  (In thousands)   (In thousands) 
Operating cash flows from operating leases  $1,317   $1,310   $2,637   $2,621 
Operating cash flows from finance leases   89    47    177    94 
Financing cash flows from finance leases   14    7    30    15 
Schedule of stock option activity
             
           Weighted
   Number of   Weighted   Average
   Shares   Average   Remaining
   (in thousands)   Exercise Price   Contractual Term
Options outstanding at the beginning of period   6,123   $6.41   N/A
Granted   –    –   N/A
Exercised   (157)   3.46   N/A
Forfeited   –    –   N/A
Options outstanding at the end of period   5,966   $6.48   2.78 years
              
Options exercisable at the end of period   4,536   $5.95   1.71 years
Schedule of price distribution of stock options outstanding and exercisable
                    
   Number of shares as of   Number of shares as of 
   June 30, 2026   December 31, 2025 
   Outstanding   Exercisable   Outstanding   Exercisable 
Range of exercise prices:  (In thousands)   (In thousands) 
$2.00 - $2.99   1,068    1,068    1,098    1,098 
$3.00 - $3.99   785    785    897    897 
$4.00 - $4.99   1,130    1,130    1,145    1,145 
$8.00 - $8.99   1,430    –    1,430    – 
$10.00 - $10.99   1,553    1,553    1,553    1,253 
Total shares   5,966    4,536    6,123    4,393 
Schedule of purchase of our common stock
                    
   Six Months Ended 
   June 30, 2026   June 30, 2025 
   Shares   Avg. Price   Shares   Avg. Price 
Open market purchases   22,736   $9.79    76,880   $9.72 
Shares redeemed upon net exercise of stock options   257,756   $9.04    449,772   $9.76 
Other   120,000   $9.51    –   $– 
Total stock purchases   400,492   $9.22    526,652   $9.76