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LOANS AND LEASES, NET - Allowance for Loan Losses and Recorded Investment in Loans (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Sep. 30, 2024
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | $ 45,336 |  |
Provision (Reversal) | 12,032 | $ 9,890 |
Ending Balance | 48,977 |  | $ 45,336
Total Committed Loans |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 45,336 | 49,705 | 49,705
Provision (Reversal) | 12,214 | 9,566 |
Charge-offs | (9,676) | (6,870) |
Recoveries | 1,103 | 1,384 |
Ending Balance | 48,977 | 53,785 | 45,336
Unfunded commitments |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 695 | 272 | 272
Provision (Reversal) | (182) | 324 |
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Ending Balance | 513 | 596 | 695
Total Loans |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 46,031 | 49,977 | 49,977
Provision (Reversal) | 12,032 | 9,890 |
Charge-offs | (9,676) | (6,870) |
Recoveries | 1,103 | 1,384 |
Ending Balance | 49,490 | 54,381 | 46,031
National Lending | Term lending |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 30,394 | 25,686 | 25,686
Provision (Reversal) | 7,289 | 5,822 |
Charge-offs | (8,375) | (5,121) |
Recoveries | 617 | 626 |
Ending Balance | 29,925 | 27,013 | 30,394
National Lending | Asset-based lending |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 1,356 | 2,738 | 2,738
Provision (Reversal) | 406 | (1,510) |
Charge-offs | 0 | 0 |
Recoveries | 0 | 142 |
Ending Balance | 1,762 | 1,370 | 1,356
National Lending | Factoring |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 5,757 | 6,566 | 6,566
Provision (Reversal) | (170) | 751 |
Charge-offs | (74) | (23) |
Recoveries | 252 | 139 |
Ending Balance | 5,765 | 7,433 | 5,757
National Lending | Lease financing |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 1,189 | 3,302 | 3,302
Provision (Reversal) | (247) | 766 |
Charge-offs | (63) | (153) |
Recoveries | 2 |  |
Ending Balance | 881 | 4,008 | 1,189
National Lending | Lease financing, net of adjustments |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Recoveries |  | 93 |
National Lending | Insurance premium finance |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 0 | 2,637 | 2,637
Provision (Reversal) | 91 | (239) |
Charge-offs | (93) | (365) |
Recoveries | 2 | 90 |
Ending Balance | 0 | 2,123 | 0
National Lending | SBA/USDA |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 3,273 | 2,962 | 2,962
Provision (Reversal) | 831 | 327 |
Charge-offs | (297) | 0 |
Recoveries | 0 | 0 |
Ending Balance | 3,807 | 3,289 | 3,273
National Lending | Other commercial finance |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 607 | 3,089 | 3,089
Provision (Reversal) | (186) | 223 |
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Ending Balance | 421 | 3,312 | 607
National Lending | Commercial finance |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 42,576 | 46,980 | 46,980
Provision (Reversal) | 8,014 | 6,140 |
Charge-offs | (8,902) | (5,662) |
Recoveries | 873 | 1,090 |
Ending Balance | 42,561 | 48,548 | 42,576
National Lending | Consumer finance |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 2,240 | 2,346 | 2,346
Provision (Reversal) | 2,792 | 2,097 |
Charge-offs | (33) | (63) |
Recoveries | 2 | 0 |
Ending Balance | 5,001 | 4,380 | 2,240
National Lending | Tax services |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 2 | 2 | 2
Provision (Reversal) | 1,301 | 1,356 |
Charge-offs | (741) | (1,145) |
Recoveries | 228 | 294 |
Ending Balance | 790 | 507 | 2
National Lending | Warehouse finance |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |
Beginning Balance | 518 | 377 | 377
Provision (Reversal) | 107 | (27) |
Charge-offs | 0 | 0 |
Recoveries | 0 | 0 |
Ending Balance | $ 625 | $ 350 | $ 518

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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