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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Interest income      
Loans, including fees $ 458,817 $ 436,649 $ 275,837
Investment securities:      
Taxable interest 66,262 39,078 25,598
Tax-exempt interest 187 153 98
Interest-earning deposits 26,326 33,627 6,762
Total interest income 551,592 509,507 308,295
Interest expense      
Deposits 164,372 148,529 51,136
Short-term borrowings 2,469 271 1,538
Long-term borrowings 2,420 507 1,004
Senior debt 4,935 5,027 5,118
Subordinated debentures 1,155 1,121 658
Total interest expense 175,351 155,455 59,454
Net interest income 376,241 354,052 248,841
Provision for credit losses on non-consumer fintech loans 9,319 8,465 5,741
Provision for consumer fintech loans 19,619    
Provision (reversal) for unfunded commitments (596) (135) 1,367
Provision (reversal) for credit loss on security (1,000) 10,000  
Net interest income after provision (reversal) for credit losses 348,899 335,722 241,733
Non-interest income      
Fees 116,798 99,239 86,171
Net realized and unrealized gains on commercial loans, at fair value 2,732 3,745 13,531
Leasing related income 3,921 6,324 4,822
Consumer fintech loan credit enhancement 19,619    
Other 3,412 2,786 1,159
Total non-interest income 146,482 112,094 105,683
Non-interest expense      
Salaries and employee benefits 131,597 121,055 105,368
Depreciation 4,155 3,074 2,902
Rent and related occupancy cost 6,746 5,980 5,193
Data processing expense 5,666 5,447 4,972
Audit expense 1,484 1,620 1,526
Legal expense 3,081 3,850 3,878
Legal settlements 284   1,152
FDIC insurance 3,579 2,957 3,270
Software 17,913 17,349 16,211
Insurance 5,195 5,139 5,026
Telecom and IT network communications 1,227 1,316 1,457
Consulting 1,852 1,938 1,262
Write-downs and other losses on other real estate owned   1,315  
Civil money penalty     1,750
Other 20,446 20,002 15,535
Total non-interest expense 203,225 191,042 169,502
Income before income taxes 292,156 256,774 177,914
Income tax expense 74,616 64,478 47,701
Net income $ 217,540 $ 192,296 $ 130,213
Net income per share - basic $ 4.35 $ 3.52 $ 2.30
Net income per share - diluted $ 4.29 $ 3.49 $ 2.27
Weighted average shares - basic 50,063,620 54,506,065 56,556,303
Weighted average shares - diluted 50,713,140 55,053,497 57,268,946
ACH, Card And Other Payment Processing Fees [Member]      
Non-interest income      
Fees $ 14,596 $ 9,822 $ 8,935
Prepaid, Debit Card And Related Fees [Member]      
Non-interest income      
Fees 97,413 $ 89,417 $ 77,236
Consumer Credit Fintech Fees [Member]      
Non-interest income      
Fees $ 4,789