v3.26.3
Segment Reporting - Summary of Financial Information of Reportable Segments and Reconciliation to Consolidated Financial Results (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Jun. 30, 2026
Dec. 31, 2025
Jun. 30, 2025
Dec. 31, 2024
ASSETS                
Cash and due from banks $ 803,551   $ 803,551     $ 736,970    
Intrabank assets 0   0     0    
Securities 44,720   44,720     48,247    
Loans held for sale 140,337   140,337     71,216    
Total loans receivable 4,185,529   4,185,529     3,749,531    
Allowance for credit losses (208,104) $ (173,813) (208,104) $ (173,813) $ (213,724) (169,530) $ (164,794) $ (176,994)
Other assets 310,394   310,394     305,003    
Total assets 5,276,427   5,276,427     4,741,437    
LIABILITIES                
Deposits 4,678,831   4,678,831     4,144,199    
Other Borrowings 48,150   48,150     48,036    
Intrabank liabilities 0   0     0    
Other liabilities 71,179   71,179     58,243    
Total liabilities 4,798,160   4,798,160     4,250,478    
Total interest income 121,183 109,027 351,418 321,731        
Interest (expense) income intrabank transfer 0 0 0 0        
Total interest expense 32,897 31,126 90,408 91,031        
Net interest income 88,286 77,901 261,010 230,700        
PROVISION FOR CREDIT LOSSES 46,019 56,598 189,574 144,590        
Net interest income after provision for credit losses - loans and unfunded commitments 42,267 21,303 71,436 86,110        
Service charges and fees 979 903 2,845 2,676        
Other income 38 470 1,216 1,225        
Total noninterest income 61,040 66,777 215,824 172,947        
Salaries and employee benefits 22,003 20,146 68,782 63,029        
Occupancy 932 952 2,681 2,901        
Data processing and software licenses 8,441 6,114 30,432 16,537        
Legal and professional expenses 7,792 3,957 20,991 15,807        
Credit enhancement receivable valuation adjustment 0 0 46,009 0        
Other expenses 5,831 4,036 15,947 11,965        
BaaS loan and fraud expense 39,844 34,967 124,564 104,754        
Total noninterest expense 84,843 70,172 309,406 214,993        
Net income/(loss) before income taxes 18,464 17,908 (22,146) 44,064        
Income taxes 4,676 4,316 (5,848) 9,714        
NET INCOME (LOSS) 13,788 13,592 (16,298) 34,350        
BaaS Program Income                
LIABILITIES                
Revenue from contract with customer 14,127 7,865 37,027 21,794        
BaaS indemnification income                
LIABILITIES                
Revenue from contract with customer 45,896 57,539 174,736 147,252        
BaaS loan expense                
LIABILITIES                
BaaS loan and fraud expense 35,715 32,840 113,064 97,830        
BaaS fraud expense                
LIABILITIES                
BaaS loan and fraud expense 4,129 2,127 11,500 6,924        
CCBX                
LIABILITIES                
Provision for unfunded commitments 319 0 342 602        
Operating Segments | Community Bank                
ASSETS                
Cash and due from banks 5,032   5,032     4,243    
Intrabank assets 0   0     0    
Securities 0   0     0    
Loans held for sale 0   0     0    
Total loans receivable 1,978,630   1,978,630     1,941,979    
Allowance for credit losses (16,094)   (16,094)     (18,231)    
Other assets 27,978   27,978     29,809    
Total assets 1,995,546   1,995,546     1,957,800    
LIABILITIES                
Deposits 1,637,324   1,637,324     1,586,359    
Other Borrowings 0   0     0    
Intrabank liabilities 353,994   353,994     366,216    
Other liabilities 4,228   4,228     5,225    
Total liabilities 1,995,546   1,995,546     1,957,800    
Total interest income 33,459 30,724 97,710 91,619        
Interest (expense) income intrabank transfer (3,420) (3,028) (10,976) (10,729)        
Total interest expense 6,320 7,136 17,548 20,523        
Net interest income 23,719 20,560 69,186 60,367        
PROVISION FOR CREDIT LOSSES 137 (107) (2,716) 184        
Net interest income after provision for credit losses - loans and unfunded commitments 23,582 20,667 71,902 60,183        
Service charges and fees 974 871 2,837 2,644        
Other income 126 134 395 464        
Total noninterest income 1,100 1,005 3,232 3,108        
Salaries and employee benefits 6,987 7,023 21,813 21,189        
Occupancy 798 801 2,367 2,449        
Data processing and software licenses 1,783 1,204 5,939 4,587        
Legal and professional expenses 422 399 1,243 1,143        
Credit enhancement receivable valuation adjustment 0 0 0 0        
Other expenses 1,089 1,500 3,057 4,540        
Total noninterest expense 11,079 10,927 34,419 33,908        
Net income/(loss) before income taxes 13,603 10,745 40,715 29,383        
Income taxes 2,264 2,085 7,913 5,809        
NET INCOME (LOSS) 11,339 8,660 32,802 23,574        
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 809   809     750    
Intrabank assets 709,024   709,024     633,600    
Securities 0   0     0    
Loans held for sale 140,337   140,337     71,216    
Total loans receivable 2,206,899   2,206,899     1,807,552    
Allowance for credit losses (192,010)   (192,010)     (151,299)    
Other assets 219,850   219,850     235,137    
Total assets 3,084,909   3,084,909     2,596,956    
LIABILITIES                
Deposits 3,041,507   3,041,507     2,557,840    
Other Borrowings 0   0     0    
Intrabank liabilities 0   0     0    
Other liabilities 43,402   43,402     39,116    
Total liabilities 3,084,909   3,084,909     2,596,956    
Total interest income 79,623 69,643 229,356 205,762        
Interest (expense) income intrabank transfer 5,578 6,768 19,696 20,678        
Total interest expense 24,611 23,330 69,096 68,528        
Net interest income 60,590 53,081 179,956 157,912        
PROVISION FOR CREDIT LOSSES 45,882 56,705 192,290 144,406        
Net interest income after provision for credit losses - loans and unfunded commitments 14,708 (3,624) (12,334) 13,506        
Service charges and fees 5 32 8 32        
Other income 2 5 19 5        
Total noninterest income 60,030 65,441 211,790 169,083        
Salaries and employee benefits 11,058 9,334 34,635 26,075        
Occupancy 84 84 176 243        
Data processing and software licenses 5,599 4,047 20,957 9,629        
Legal and professional expenses 5,886 1,754 15,933 6,800        
Credit enhancement receivable valuation adjustment 0 0 46,009 0        
Other expenses 3,954 1,573 10,378 4,724        
Total noninterest expense 66,425 51,759 252,652 152,225        
Net income/(loss) before income taxes 8,313 10,058 (53,196) 30,364        
Income taxes 3,238 2,834 (11,131) 7,583        
NET INCOME (LOSS) 5,075 7,224 (42,065) 22,781        
Operating Segments | CCBX | BaaS Program Income                
LIABILITIES                
Revenue from contract with customer 14,127 7,865 37,027 21,794        
Operating Segments | CCBX | BaaS indemnification income                
LIABILITIES                
Revenue from contract with customer 45,896 57,539 174,736 147,252        
Operating Segments | CCBX | BaaS loan expense                
LIABILITIES                
BaaS loan and fraud expense 35,715 32,840 113,064 97,830        
Operating Segments | CCBX | BaaS fraud expense                
LIABILITIES                
BaaS loan and fraud expense 4,129 2,127 11,500 6,924        
Operating Segments | Treasury & Administration                
ASSETS                
Cash and due from banks 797,710   797,710     731,977    
Intrabank assets (709,024)   (709,024)     (633,600)    
Securities 44,720   44,720     48,247    
Loans held for sale 0   0     0    
Total loans receivable 0   0     0    
Allowance for credit losses 0   0     0    
Other assets 62,566   62,566     40,057    
Total assets 195,972   195,972     186,681    
LIABILITIES                
Deposits 0   0     0    
Other Borrowings 48,150   48,150     48,036    
Intrabank liabilities (353,994)   (353,994)     (366,216)    
Other liabilities 23,549   23,549     13,902    
Total liabilities (282,295)   (282,295)     $ (304,278)    
Total interest income 8,101 8,660 24,352 24,350        
Interest (expense) income intrabank transfer (2,158) (3,740) (8,720) (9,949)        
Total interest expense 1,966 660 3,764 1,980        
Net interest income 3,977 4,260 11,868 12,421        
PROVISION FOR CREDIT LOSSES 0 0 0 0        
Net interest income after provision for credit losses - loans and unfunded commitments 3,977 4,260 11,868 12,421        
Service charges and fees 0 0 0 0        
Other income (90) 331 802 756        
Total noninterest income (90) 331 802 756        
Salaries and employee benefits 3,958 3,789 12,334 15,765        
Occupancy 50 67 138 209        
Data processing and software licenses 1,059 863 3,536 2,321        
Legal and professional expenses 1,484 1,804 3,815 7,864        
Credit enhancement receivable valuation adjustment 0 0 0 0        
Other expenses 788 963 2,512 2,701        
Total noninterest expense 7,339 7,486 22,335 28,860        
Net income/(loss) before income taxes (3,452) (2,895) (9,665) (15,683)        
Income taxes (826) (603) (2,630) (3,678)        
NET INCOME (LOSS) (2,626) (2,292) (7,035) (12,005)        
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