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