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Allowance for Credit and Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2025
Receivables [Abstract] |
Schedule of Allowance for Loan Losses | The following tables represent, by loan portfolio segment, a summary of changes in the ACL on loans for the three and six months ended June 30, 2025 and 2024:
|  | Three Months Ended June 30, 2025
|  | Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period |  | $ | 32,640 |  |  | $ | 3,167 |  |  | $ | — |  |  | $ | 16,847 |  |  | $ | 52,654 |
Credit loss expense (recovery) |  | 1,857 |  |  | 114 |  |  | — |  |  | 28 |  |  | 1,999 |
Charge-offs |  | (144) |  |  | (425) |  |  | — |  |  | (879) |  |  | (1,448) |
Recoveries |  | 60 |  |  | 373 |  |  | — |  |  | 761 |  |  | 1,194 |
Balance, end of period |  | $ | 34,413 |  |  | $ | 3,229 |  |  | $ | — |  |  | $ | 16,757 |  |  | $ | 54,399 |
|  | Three Months Ended June 30, 2024
|  | Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period |  | $ | 30,514 |  |  | $ | 2,655 |  |  | $ | 659 |  |  | $ | 16,559 |  |  | $ | 50,387 |
Credit loss expense (recovery) |  | 1,484 |  |  | (71) |  |  | 77 |  |  | 925 |  |  | 2,415 |
Charge-offs |  | (111) |  |  | (1) |  |  | — |  |  | (741) |  |  | (853) |
Recoveries |  | 54 |  |  | 5 |  |  | — |  |  | 207 |  |  | 266 |
Balance, end of period |  | $ | 31,941 |  |  | $ | 2,588 |  |  | $ | 736 |  |  | $ | 16,950 |  |  | $ | 52,215 |
| Six Months Ended June 30, 2025
| Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period | $ | 30,953 |  |  | $ | 2,715 |  |  | $ | — |  |  | $ | 18,312 |  |  | $ | 51,980 |
Provision for credit losses on loans | 3,497 |  |  | 519 |  |  | — |  |  | (474) |  |  | 3,542 |
Charge-offs | (152) |  |  | (427) |  |  | — |  |  | (2,332) |  |  | (2,911) |
Recoveries | 115 |  |  | 422 |  |  | — |  |  | 1,251 |  |  | 1,788 |
Balance, end of period | $ | 34,413 |  |  | $ | 3,229 |  |  | $ | — |  |  | $ | 16,757 |  |  | $ | 54,399 |
| Six Months Ended June 30, 2024
| Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period | $ | 29,736 |  |  | $ | 2,503 |  |  | $ | 481 |  |  | $ | 17,309 |  |  | $ | 50,029 |
Provision for credit losses on loans | 2,090 |  |  | 76 |  |  | 255 |  |  | 663 |  |  | 3,084 |
Charge-offs | 3 |  |  | (2) |  |  | — |  |  | (1,564) |  |  | (1,563) |
Recoveries | 112 |  |  | 11 |  |  | — |  |  | 542 |  |  | 665 |
Balance, end of period | $ | 31,941 |  |  | $ | 2,588 |  |  | $ | 736 |  |  | $ | 16,950 |  |  | $ | 52,215 |
Financial Instruments with Off-Balance Sheet Risk | The following tables represent, by loan portfolio segment, a summary of changes in the activity in the liability for commitments to extend credit and standby letters of credit (please see note 14):
| Three Months Ended
| June 30, 2025 | 45382 | June 30, 2024
|  | Balance, beginning of period |  | Credit loss expense (reversal) |  | Ending balance |  | Balance, beginning of period |  | Credit loss expense (reversal) |  | Ending balance
Commercial |  | $ | 1,132 |  |  | $ | 411 |  |  | $ | 1,543 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Real Estate |  | 72 |  |  | 27 |  |  | 99 |  |  | 46 |  |  | (5) |  |  | 41 |
Mortgage Warehouse |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer |  | 796 |  |  | (127) |  |  | 669 |  |  | 704 |  |  | (40) |  |  | 664 |
Total |  | $ | 2,000 |  |  | $ | 311 |  |  | $ | 2,311 |  |  | $ | 750 |  |  | $ | (45) |  |  | $ | 705 |
| Six Months Ended
| June 30, 2025 |  | June 30, 2024
| Balance, beginning of period |  | Credit loss expense (reversal) |  | Ending balance |  | Balance, beginning of period |  | Credit loss expense (reversal) |  | Ending balance
Commercial | $ | 1,385 |  |  | 158 |  |  | 1,543 |  |  | $ | — |  |  | — |  |  | — |
Real Estate | 61 |  |  | 38 |  |  | 99 |  |  | 64 |  |  | (23) |  |  | 41 |
Mortgage Warehouse | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer | 703 |  |  | (34) |  |  | 669 |  |  | 551 |  |  | 113 |  |  | 664 |
Total | $ | 2,149 |  |  | $ | 162 |  |  | $ | 2,311 |  |  | $ | 615 |  |  | $ | 90 |  |  | $ | 705 |
The following table represents the commitments to extend credit and standby letters of credit as of June 30, 2025 and December 31, 2024, respectively:
|  | June 30, 2025 |  | December 31, 2024
Commitments to extend credit |  | $ | 1,069,729 |  |  | $ | 1,018,302 |
Standby letters of credit |  | 26,286 |  |  | 23,457 |
Total |  | $ | 1,096,015 |  |  | $ | 1,041,759 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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- Definition Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined) which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 10 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-10 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 942 -SubTopic 825 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478898/942-825-50-1 Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-11 + Details
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