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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
INTEREST INCOME:      
Loans, including fees $ 388,064 $ 325,148 $ 221,075
Taxable investment securities 17,370 19,260 11,384
Federal Home Loan Bank stock and other 27,552 11,655 11,725
Total interest income 432,986 356,063 244,184
INTEREST EXPENSE:      
Deposits 102,096 51,481 6,757
Securities sold under agreements to repurchase and other short-term borrowings 546 574 397
Federal Home Loan Bank advances 18,190 15,230 339
Total interest expense 120,832 67,285 7,493
NET INTEREST INCOME 312,154 288,778 236,691
Provision for expected credit loss expense for on-balance sheet exposures (loans and investment securities) 54,376 47,624 22,348
NET INTEREST INCOME AFTER PROVISION 257,778 241,154 214,343
NONINTEREST INCOME:      
Mortgage banking income 5,438 3,542 6,196
Program fees 17,818 15,582 16,172
Increase in cash surrender value of bank owned life insurance 3,208 2,719 2,526
Death benefits in excess of cash surrender value of life insurance   1,728  
Total noninterest income 72,650 71,457 89,810
NONINTEREST EXPENSE:      
Salaries and employee benefits 118,650 115,869 111,240
Technology, equipment, and communication 30,690 29,107 28,954
Occupancy 13,856 13,967 13,014
Marketing and development 9,439 8,446 6,875
FDIC insurance expense 3,012 2,728 1,668
Interchange related expense 5,845 5,965 4,773
Legal and professional fees 3,489 3,204 4,024
Merger expense 41 2,160  
Other 17,703 17,952 16,760
Total noninterest expense 202,725 199,398 187,308
INCOME BEFORE INCOME TAX EXPENSE 127,703 113,213 116,845
INCOME TAX EXPENSE 26,332 22,839 25,739
NET INCOME 101,371 90,374 91,106
Service charges on deposit accounts      
NONINTEREST INCOME:      
Revenue under 606 14,186 13,855 13,426
Net refund transfer fees      
NONINTEREST INCOME:      
Revenue under 606 15,356 15,748 17,080
Interchange fee income      
NONINTEREST INCOME:      
Revenue under 606 12,967 13,057 13,125
Net losses on other real estate owned      
NONINTEREST INCOME:      
Revenue under 606 (206) (211) (211)
Contract termination fee      
NONINTEREST INCOME:      
Revenue under 606   1,728 5,000
Legal settlement      
NONINTEREST INCOME:      
Revenue under 606     13,000
Other      
NONINTEREST INCOME:      
Revenue under 606 $ 3,883 $ 5,437 $ 3,496
Class A Common Stock      
BASIC EARNINGS PER SHARE:      
Basic earnings per share (in dollars per share) $ 5.24 $ 4.64 $ 4.6
DILUTED EARNINGS PER SHARE:      
Diluted earnings per share (in dollars per share) 5.21 4.62 4.59
Class B Common Stock      
BASIC EARNINGS PER SHARE:      
Basic earnings per share (in dollars per share) 4.76 4.21 4.19
DILUTED EARNINGS PER SHARE:      
Diluted earnings per share (in dollars per share) $ 4.74 $ 4.2 $ 4.17