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Segment Financial Information (Tables)

12 Months Ended

Dec. 31, 2025

Segment Financials Information [Abstract]

Schedule Of Segment Financials

	For the year ended December 31, 2025
					Credit Solutions
		Fintech			REBL			Institutional Banking			Commercial				Corporate			Total
Interest income		$	3,395		$	191,486		$	117,586		$	132,161			$	106,741		$	551,369
Interest allocation			254,317			(91,381)			(65,706)			(67,418)				(29,812)			—
Interest expense			154,200			—			4,480			40				17,138			175,858
Net interest income			103,512			100,105			47,400			64,703				59,791			375,511
Provision for credit losses(1)			169,294			(469)			(6)			8,965				(91)			177,693
Non-interest income(1)			310,555			6,649			348			8,306				2,475			328,333
Direct non-interest expense
Salaries and employee benefits			17,703			4,378			10,312			19,955				90,206			142,554
Data processing expense			1,392			171			2,070			8				1,323			4,964
Software			647			108			2,846			1,758				15,182			20,541
Other			10,952			5,041			1,330			7,809				29,923			55,055
Income before non-interest expense allocations			214,079			97,525			31,196			34,514				(74,277)			303,037
Non-interest expense allocations
Risk, financial crimes, and compliance			29,124			2,357			3,233			5,308				(40,022)			—
Information technology and operations			14,702			821			6,150			8,387				(30,060)			—
Other allocated expenses			16,439			3,331			6,903			7,870				(34,543)			—
Total non-interest expense allocations			60,265			6,509			16,286			21,565				(104,625)			—
Income before taxes			153,814			91,016			14,910			12,949				30,348			303,037
Income tax expense			37,979			22,473			3,681			3,197				7,494			74,824
Net income		$	115,835		$	68,543		$	11,229		$	9,752			$	22,854		$	228,213

⁽¹⁾Non-interest income of the Fintech segment includes $169.3 million of Fintech loan credit enhancement income related to the estimated recovery from a Fintech partner for losses on fintech loans where the measurement of the expected loan loss and credit enhancement are based on the same estimate. The remainder of Non-interest income for Fintech is $141.2 million Total fintech fees and $0.1 million of other.

	For the year ended December 31, 2024
					Credit Solutions
		Fintech			REBL			Institutional Banking			Commercial				Corporate			Total
Interest income		$	214		$	207,062		$	121,522		$	124,490			$	98,304		$	551,592
Interest allocation			261,484			(98,064)			(69,942)			(69,960)				(23,518)			—
Interest expense			156,271			—			3,962			35				15,083			175,351
Net interest income			105,427			108,998			47,618			54,495				59,703			376,241
Provision for credit losses(1)			30,651			2,159			763			6,416				(1,615)			38,374
Non-interest income(1)			147,574			3,264			211			5,541				924			157,514
Direct non-interest expense
Salaries and employee benefits			15,577			3,996			9,659			18,323				84,042			131,597
Data processing expense			1,552			169			2,329			7				1,609			5,666
Software			486			104			2,962			1,777				12,584			17,913
Other			9,203			4,719			2,093			7,698				24,336			48,049
Income before non-interest expense allocations			195,532			101,115			30,023			25,815				(60,329)			292,156
Non-interest expense allocations
Risk, financial crimes, and compliance			26,922			2,177			3,017			4,921				(37,037)			—
Information technology and operations			13,732			723			5,993			7,444				(27,892)			—
Other allocated expenses			15,814			3,021			6,574			7,070				(32,479)			—
Total non-interest expense allocations			56,468			5,921			15,584			19,435				(97,408)			—
Income before taxes			139,064			95,194			14,439			6,380				37,079			292,156
Income tax expense			35,516			24,312			3,688			1,629				9,471			74,616
Net income (loss)		$	103,548		$	70,882		$	10,751		$	4,751			$	27,608		$	217,540

⁽¹⁾Non-interest income of the Fintech segment includes $30.7 million of Fintech loan credit enhancement income related to the estimated recovery from a Fintech partner for losses on fintech loans where the measurement of the expected loan loss and credit enhancement are based on the same estimate. The remainder of Non-interest income for Fintech is $116.8 million total fintech fees and $0.1 million of other.

	For the year ended December 31, 2023
					Credit Solutions
		Fintech			REBL			Institutional Banking			Commercial				Corporate			Total
Interest income		$	110		$	194,419		$	136,069		$	102,596			$	76,313		$	509,507
Interest allocation			264,820			(97,941)			(84,807)			(68,487)				(13,585)			—
Interest expense			139,500			507			4,355			—				11,093			155,455
Net interest income			125,430			95,971			46,907			34,109				51,635			354,052
Provision for credit losses			—			1,529			(25)			7,222				9,604			18,330
Non-interest income			99,376			6,037			760			6,881				(960)			112,094
Direct non-interest expense
Salaries and employee benefits			13,666			3,607			9,680			16,480				77,622			121,055
Data processing expense			1,309			153			2,358			5				1,622			5,447
Software			552			99			2,951			1,341				12,406			17,349
Other			9,554			3,693			1,923			8,310				23,711			47,191
Income before non-interest expense allocations			199,725			92,927			30,780			7,632				(74,290)			256,774
Non-interest expense allocations
Risk, financial crimes, and compliance			25,803			1,221			1,741			2,473				(31,238)			—
Information technology and operations			13,189			805			6,928			6,488				(27,410)			—
Other allocated expenses			11,598			2,284			5,895			5,928				(25,705)			—
Total non-interest expense allocations			50,590			4,310			14,564			14,889				(84,353)			—
Income (loss) before taxes			149,135			88,617			16,216			(7,257)				10,063			256,774
Income tax expense (benefit)			37,449			22,252			4,072			(1,822)				2,527			64,478
Net income (loss)		$	111,686		$	66,365		$	12,144		$	(5,435)			$	7,536		$	192,296

	December 31, 2025
					Credit Solutions
		Fintech			REBL			Institutional Banking			Commercial				Corporate			Total
Total assets		$	1,177,306		$	2,362,489		$	1,981,479		$	1,762,882			$	2,068,269		$	9,352,425
Total liabilities		$	7,377,441		$	1,817		$	269,743		$	5,591			$	1,008,037		$	8,662,629

	December 31, 2024
					Credit Solutions
		Fintech			REBL			Institutional Banking			Commercial				Corporate			Total
Total assets		$	518,371		$	2,300,817		$	1,855,016		$	1,676,241			$	2,377,098		$	8,727,543
Total liabilities		$	6,885,456		$	2,116		$	434,283		$	8,309			$	607,596		$	7,937,760

X

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

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No definition available.

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