v3.26.1
SEGMENTS (Details)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2026
USD ($)
Jun. 30, 2025
USD ($)
Jun. 30, 2026
USD ($)
segment
Jun. 30, 2025
USD ($)
Dec. 31, 2025
USD ($)
Segment Reporting [Line Items]          
Goodwill allocation percentage 100.00%   100.00%    
Number of reportable segments | segment     4    
Number of operating segments | segment     4    
Interest income $ 46,294 $ 36,518 $ 92,535 $ 74,408  
Interest expense 31,330 22,595 60,345 46,552  
Net interest income 14,964 13,923 32,190 27,856  
Provision for credit losses 12,114 9,117 21,722 22,622  
Net interest income after provision for credit losses 2,850 4,806 10,468 5,234  
Noninterest income 60,117 56,275 113,848 108,673  
Salaries and employee benefits expense 23,234 23,135 46,330 44,451  
Electronic payment processing expense 4,719 4,428 8,840 8,875  
Professional services expense 3,181 4,304 5,784 7,739  
Other loan origination and maintenance expense 4,909 3,287 11,136 7,704  
Technology expense 2,921 2,996 5,874 5,724  
Other general and administrative costs 4,853 4,159 10,116 8,993  
Net income before taxes 19,150 18,772 36,236 30,421  
Income tax expense 4,539 5,069 8,224 7,351  
Net income 14,611 13,703 28,012 23,070  
Assets 3,184,881 2,126,217 3,184,881 2,126,217 $ 2,744,819
Goodwill and intangibles 14,526 14,672 14,526 14,672 $ 14,597
Amortization of intangible assets $ 35 43 $ 71 86  
Minimum          
Segment Reporting [Line Items]          
Equity capital allocation percentage 0.00%   0.00%    
Maximum          
Segment Reporting [Line Items]          
Equity capital allocation percentage 25.00%   25.00%    
Operating Segments | Banking          
Segment Reporting [Line Items]          
Interest income $ 41,803 24,213 $ 75,349 47,091  
Interest expense 18,897 9,651 34,475 19,789  
Net interest income 22,906 14,562 40,874 27,302  
Provision for credit losses 12,114 9,117 21,722 22,622  
Net interest income after provision for credit losses 10,792 5,445 19,152 4,680  
Noninterest income 53,255 37,685 97,548 70,491  
Salaries and employee benefits expense 17,804 16,350 33,049 29,199  
Electronic payment processing expense 0 0 0 0  
Professional services expense 1,374 1,824 2,110 2,567  
Other loan origination and maintenance expense 3,632 5,520 7,813 12,104  
Technology expense 1,479 1,330 2,900 2,524  
Other general and administrative costs 3,461 2,290 6,796 4,840  
Net income before taxes 36,297 15,816 64,032 23,937  
Income tax expense 8,722 3,551 16,256 5,645  
Net income 27,575 12,265 47,776 18,292  
Assets 2,476,045 1,372,995 2,476,045 1,372,995  
Goodwill and intangibles 713 858 713 858  
Amortization of intangible assets 35 43 71 86  
Operating Segments | Alternative Lending          
Segment Reporting [Line Items]          
Interest income 1,230 5,960 9,796 14,037  
Interest expense 1,689 1,610 3,838 4,031  
Net interest income (459) 4,350 5,958 10,006  
Provision for credit losses 0 0 0 0  
Net interest income after provision for credit losses (459) 4,350 5,958 10,006  
Noninterest income 2,319 13,147 6,222 33,458  
Salaries and employee benefits expense 84 250 391 656  
Electronic payment processing expense 0 0 0 0  
Professional services expense 77 99 191 166  
Other loan origination and maintenance expense 786 1,321 1,667 2,954  
Technology expense 258 776 737 1,414  
Other general and administrative costs 53 53 131 147  
Net income before taxes 602 14,998 9,063 38,127  
Income tax expense 0 0 0 0  
Net income 602 14,998 9,063 38,127  
Assets 372,916 413,702 372,916 413,702  
Goodwill and intangibles 0 0 0 0  
Amortization of intangible assets 0 0 0 0  
Operating Segments | NSBF          
Segment Reporting [Line Items]          
Interest income 3,326 6,390 7,526 13,350  
Interest expense 1,928 3,181 4,053 6,547  
Net interest income 1,398 3,209 3,473 6,803  
Provision for credit losses 0 0 0 0  
Net interest income after provision for credit losses 1,398 3,209 3,473 6,803  
Noninterest income (3,374) (2,035) (6,959) (5,283)  
Salaries and employee benefits expense 125 155 250 242  
Electronic payment processing expense 0 0 0 0  
Professional services expense 227 365 533 967  
Other loan origination and maintenance expense 5,661 3,468 9,305 6,725  
Technology expense 310 218 587 501  
Other general and administrative costs 1,039 742 2,646 1,813  
Net income before taxes (9,338) (3,774) (16,807) (8,728)  
Income tax expense 0 0 0 0  
Net income (9,338) (3,774) (16,807) (8,728)  
Assets 347,955 438,939 347,955 438,939  
Goodwill and intangibles 0 0 0 0  
Amortization of intangible assets 0 0 0 0  
Operating Segments | Payments          
Segment Reporting [Line Items]          
Interest income 1,822 569 3,624 1,135  
Interest expense 2,153 653 4,300 1,282  
Net interest income (331) (84) (676) (147)  
Provision for credit losses 0 0 0 0  
Net interest income after provision for credit losses (331) (84) (676) (147)  
Noninterest income 11,417 12,616 22,299 24,028  
Salaries and employee benefits expense 1,985 2,755 3,852 4,501  
Electronic payment processing expense 5,034 4,765 9,483 9,566  
Professional services expense 96 144 198 182  
Other loan origination and maintenance expense 0 0 0 0  
Technology expense 121 228 219 407  
Other general and administrative costs 319 474 702 884  
Net income before taxes 3,531 4,166 7,169 8,341  
Income tax expense 0 0 0 (3)  
Net income 3,531 4,166 7,169 8,344  
Assets 125,063 72,685 125,063 72,685  
Goodwill and intangibles 13,813 13,814 13,813 13,814  
Amortization of intangible assets 0 0 0 0  
Elim          
Segment Reporting [Line Items]          
Interest income (115) (103) (243) (518)  
Interest expense (1,854) (589) (3,687) (1,487)  
Net interest income 1,739 486 3,444 969  
Provision for credit losses 0 0 0 0  
Net interest income after provision for credit losses 1,739 486 3,444 969  
Noninterest income (10,859) (20,965) (16,789) (44,879)  
Salaries and employee benefits expense 1,985 2,430 3,880 3,452  
Electronic payment processing expense 0 0 0 0  
Professional services expense 0 0 0 0  
Other loan origination and maintenance expense (4) (22) (23) (44)  
Technology expense 0 0 0 0  
Other general and administrative costs 580 (169) 1,195 (323)  
Net income before taxes (11,681) (22,718) (18,397) (46,995)  
Income tax expense 8,722 0 16,256 5,645  
Net income (20,403) (22,718) (34,653) (52,640)  
Assets (599,841) (611,732) (599,841) (611,732)  
Elim | Banking          
Segment Reporting [Line Items]          
Interest income 2 (2) 0 (4)  
Interest expense (255) (211) (516) (399)  
Net interest income 257 209 516 395  
Provision for credit losses 0 0 0 0  
Net interest income after provision for credit losses 257 209 516 395  
Noninterest income (5,189) (6,999) (7,705) (14,310)  
Salaries and employee benefits expense (1,436) (1,525) (2,540) (2,311)  
Electronic payment processing expense 0 0 0 0  
Professional services expense 0 0 0 0  
Other loan origination and maintenance expense 0 (3,671) 0 (7,459)  
Technology expense 0 0 0 0  
Other general and administrative costs (910) (107) (1,838) (197)  
Net income before taxes (2,586) (1,487) (2,811) (3,948)  
Income tax expense (8,722) 0 (16,256) (5,645)  
Net income 6,136 (1,487) 13,445 1,697  
Assets (11,358) (38,485) (11,358) (38,485)  
Elim | Alternative Lending          
Segment Reporting [Line Items]          
Interest income (68) (23) (110) (33)  
Interest expense 0 0 0 0  
Net interest income (68) (23) (110) (33)  
Provision for credit losses 0 0 0 0  
Net interest income after provision for credit losses (68) (23) (110) (33)  
Noninterest income 0 0 0 0  
Salaries and employee benefits expense (82) (250) (391) (656)  
Electronic payment processing expense 0 0 0 0  
Professional services expense 0 0 0 0  
Other loan origination and maintenance expense (524) (1,045) (1,045) (2,181)  
Technology expense 0 0 0 0  
Other general and administrative costs 0 0 0 (43)  
Net income before taxes 538 1,272 1,326 2,847  
Income tax expense 0 0 0 0  
Net income 538 1,272 1,326 2,847  
Assets (22,952) (69,549) (22,952) (69,549)  
Elim | NSBF          
Segment Reporting [Line Items]          
Interest income (105) (134) (227) (256)  
Interest expense 0 0 0 0  
Net interest income (105) (134) (227) (256)  
Provision for credit losses 0 0 0 0  
Net interest income after provision for credit losses (105) (134) (227) (256)  
Noninterest income 0 0 0 0  
Salaries and employee benefits expense (125) 61 (250) 231  
Electronic payment processing expense 0 0 0 0  
Professional services expense 0 0 0 0  
Other loan origination and maintenance expense (4,658) (2,261) (6,626) (4,620)  
Technology expense 0 0 0 0  
Other general and administrative costs 0 (1) 0 (3)  
Net income before taxes 4,678 2,067 6,649 4,136  
Income tax expense 0 0 0 0  
Net income 4,678 2,067 6,649 4,136  
Assets (46,595) (61,517) (46,595) (61,517)  
Elim | Payments          
Segment Reporting [Line Items]          
Interest income (1,822) (555) (3,624) (1,108)  
Interest expense 0 (16) 0 (33)  
Net interest income (1,822) (539) (3,624) (1,075)  
Provision for credit losses 0 0 0 0  
Net interest income after provision for credit losses (1,822) (539) (3,624) (1,075)  
Noninterest income (383) (671) (725) (1,274)  
Salaries and employee benefits expense (343) (717) (699) (717)  
Electronic payment processing expense (384) (421) (725) (775)  
Professional services expense 0 0 0 0  
Other loan origination and maintenance expense 0 0 0 0  
Technology expense 0 0 0 0  
Other general and administrative costs (85) (90) (157) (182)  
Net income before taxes (1,393) 18 (2,768) (675)  
Income tax expense 0 0 0 0  
Net income (1,393) 18 (2,768) (675)  
Assets (99,412) (45,364) (99,412) (45,364)  
Corporate & Other          
Segment Reporting [Line Items]          
Interest income 221 203 444 714  
Interest expense 8,772 8,316 17,882 16,822  
Net interest income (8,551) (8,113) (17,438) (16,108)  
Provision for credit losses 0 0 0 0  
Net interest income after provision for credit losses (8,551) (8,113) (17,438) (16,108)  
Noninterest income 12,931 23,497 19,957 46,442  
Salaries and employee benefits expense 3,237 3,626 8,788 9,854  
Electronic payment processing expense 69 84 82 84  
Professional services expense 1,407 1,872 2,752 3,857  
Other loan origination and maintenance expense 16 (23) 45 225  
Technology expense 753 444 1,431 878  
Other general and administrative costs 396 967 641 2,057  
Net income before taxes (1,498) 8,414 (11,220) 13,379  
Income tax expense (4,183) 1,518 (8,032) 1,709  
Net income 2,685 6,896 (3,188) 11,670  
Assets 643,060 654,543 643,060 654,543  
Goodwill and intangibles 0 0 0 0  
Amortization of intangible assets $ 0 $ 0 $ 0 $ 0