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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Interest and dividend income:        
Loans, including fees $ 56,400 $ 52,886 $ 164,812 $ 161,338
Factored receivables, including fees 43,841 40,598 126,752 118,535
Securities 5,489 6,500 16,518 17,374
FHLB and other restricted stock 223 379 718 845
Cash deposits 2,987 7,712 11,611 18,945
Total interest income 108,940 108,075 320,411 317,037
Interest expense:        
Deposits 17,532 14,041 47,434 41,713
Subordinated notes 661 1,227 2,004 3,676
Junior subordinated debentures 1,049 1,172 3,078 3,518
Other borrowings 1,865 2,936 7,001 5,481
Total interest expense 21,107 19,376 59,517 54,388
Net interest income 87,833 88,699 260,894 262,649
Credit loss expense (benefit) 4,284 4,263 4,912 14,314
Net interest income after credit loss expense (benefit) 83,549 84,436 255,982 248,335
Noninterest income:        
Net gains (losses) on sale of loans 119 253 443 184
Insurance commissions 1,481 1,472 4,013 4,545
Other 1,728 2,643 6,520 7,115
Total noninterest income 21,448 17,497 58,022 49,663
Total noninterest income        
Salaries and employee benefits 60,192 55,447 178,792 165,637
Occupancy, furniture and equipment 7,862 8,701 24,443 24,902
FDIC insurance and other regulatory assessments 1,468 679 3,089 1,973
Professional fees 5,228 4,734 10,972 12,833
Amortization of intangible assets 2,956 3,600 8,756 9,193
Advertising and promotion 2,209 1,416 5,511 4,638
Communications and technology 12,295 12,422 36,854 38,623
Software amortization 2,868 1,484 7,725 4,015
Travel and entertainment 1,043 1,431 4,154 4,453
Other 7,593 5,732 24,431 17,093
Total noninterest expense 103,714 95,646 304,727 283,360
Net income before income tax expense 1,283 6,287 9,277 14,638
Income tax expense (425) 940 3,132 2,386
Net income 1,708 5,347 6,145 12,252
Dividends on preferred stock (801) (801) (2,404) (2,404)
Net income (loss) available to common stockholders $ 907 $ 4,546 $ 3,741 $ 9,848
Earnings per common share        
Basic (in dollars per share) $ 0.04 $ 0.19 $ 0.16 $ 0.42
Diluted (in dollars per share) $ 0.04 $ 0.19 $ 0.16 $ 0.42
Service charges on deposits        
Noninterest income:        
Revenue $ 1,847 $ 1,865 $ 5,185 $ 5,402
Card income        
Noninterest income:        
Revenue 1,968 2,135 5,687 6,088
Fee income        
Noninterest income:        
Revenue $ 14,305 $ 9,129 $ 36,174 $ 26,329