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Commitments and Contingencies (Tables) | 6 Months Ended
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Jun. 30, 2026
Commitments and Contingencies Disclosure [Abstract] |
Schedule of Financial Instruments Contract Amount Represents Credit Risk | The following table presents commitments associated with outstanding commitments to extend credit for on-balance sheet loans, CCBX sold credit card receivable commitments, standby and commercial letters of credit and equity investment commitments as of the periods indicated:
(dollars in thousands; unaudited) |  | As of June 30, 2026 |  | As of December 31, 2025
Commitments to extend credit: |  |  |  |
Commercial and industrial loans |  | $ | 122,821 |  |  | $ | 90,281 |
Commercial and industrial loans – capital call lines |  | 590,962 |  |  | 519,135 |
Construction – commercial real estate loans |  | 31,946 |  |  | 58,562 |
Construction – residential real estate loans |  | 43,339 |  |  | 39,676 |
Residential real estate loans |  | 785,719 |  |  | 684,485 |
Commercial real estate loans |  | 38,576 |  |  | 28,108 |
Credit cards |  | 1,039,541 |  |  | 819,495 |
Consumer and other loans |  | 162,950 |  |  | 68,302 |
Commitments to extend credit |  | $ | 2,815,854 |  |  | $ | 2,308,044 |
CCBX sold receivable commitment |  | $ | 6,153,420 |  |  | $ | 4,170,246 |
Standby letters of credit |  | $ | 2,224 |  |  | $ | 1,042 |
Equity investment commitment |  | $ | 917 |  |  | $ | 1,125 |
Commitments to extend credit on CCBX loans are included in the table above and are summarized below:
(dollars in thousands) | As of June 30, 2026 |  | As of December 31, 2025
Commitments to extend credit: |  |  |
Commercial and industrial loans | $ | 18,364 |  |  | $ | 23,859 |
Commercial and industrial loans - capital call lines | 590,962 |  |  | 519,135 |
Residential real estate loans | 737,158 |  |  | 631,973 |
Credit cards, consumer and other loans | 1,192,148 |  |  | 874,245 |
Commitments to extend credit | $ | 2,538,632 |  |  | $ | 2,049,212 |
CCBX sold receivable commitment | $ | 6,153,420 |  |  | $ | 4,170,246 |
Schedule of CCBX Partners Maximum Aggregate Customer Loan Balances | We also limit CCBX partners to a maximum aggregate customer loan balance originated and held on our balance sheet, as shown in the table below.
(dollars in thousands) | Type of Lending |  | Maximum Portfolio Size
Commercial and industrial loans: |  |  |
Capital call lines | Business - Venture Capital |  | $ | 350,000 |
All other commercial & industrial loans | Business - Small Business |  | 509,897 |
Real estate loans: |  |  |
Home equity lines of credit | Home Equity - Secured Credit Cards |  | 356,250 |
Consumer and other loans: |  |  |
Credit cards | Credit Cards - Primarily Consumer |  | 1,208,750 |
Installment loans | Consumer |  | 1,660,103 |
Other consumer and other loans | Consumer - Secured Credit Builder & Unsecured consumer |  | 775,000 |
|  |  | 4,860,000 |

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