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Allowance for Credit and Loan Losses (Tables) | 9 Months Ended
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Sep. 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 nine months ended September 30, 2025 and 2024:
|  | Three Months Ended September 30, 2025
|  | Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period |  | $ | 34,413 |  |  | $ | 3,229 |  |  | $ | — |  |  | $ | 16,757 |  |  | $ | 54,399 |
Credit loss expense (recovery) |  | 271 |  |  | (127) |  |  | — |  |  | (3,534) |  |  | (3,390) |
Charge-offs |  | (319) |  |  | (415) |  |  | — |  |  | (1,008) |  |  | (1,742) |
Recoveries |  | 25 |  |  | 395 |  |  | — |  |  | 491 |  |  | 911 |
Balance, end of period |  | $ | 34,390 |  |  | $ | 3,082 |  |  | $ | — |  |  | $ | 12,706 |  |  | $ | 50,178 |
|  | Three Months Ended September 30, 2024
|  | Commercial |  | Real Estate |  | Mortgage Warehouse |  | Consumer |  | Total
Balance, beginning of period |  | $ | 31,941 |  |  | $ | 2,588 |  |  | $ | 736 |  |  | $ | 16,950 |  |  | $ | 52,215 |
Credit loss expense (recovery) |  | 861 |  |  | 78 |  |  | 126 |  |  | (21) |  |  | 1,044 |
Charge-offs |  | (38) |  |  | (2) |  |  | — |  |  | (731) |  |  | (771) |
Recoveries |  | 90 |  |  | 11 |  |  | — |  |  | 292 |  |  | 393 |
Balance, end of period |  | $ | 32,854 |  |  | $ | 2,675 |  |  | $ | 862 |  |  | $ | 16,490 |  |  | $ | 52,881 |
| Nine Months Ended September 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 | 3,768 |  |  | 393 |  |  | — |  |  | (4,009) |  |  | 152 |
Charge-offs | (471) |  |  | (843) |  |  | — |  |  | (3,341) |  |  | (4,655) |
Recoveries | 140 |  |  | 817 |  |  | — |  |  | 1,744 |  |  | 2,701 |
Balance, end of period | $ | 34,390 |  |  | $ | 3,082 |  |  | $ | — |  |  | $ | 12,706 |  |  | $ | 50,178 |
| Nine Months Ended September 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 | 2,951 |  |  | 154 |  |  | 381 |  |  | 642 |  |  | 4,128 |
Charge-offs | (149) |  |  | (5) |  |  | — |  |  | (2,295) |  |  | (2,449) |
Recoveries | 316 |  |  | 23 |  |  | — |  |  | 834 |  |  | 1,173 |
Balance, end of period | $ | 32,854 |  |  | $ | 2,675 |  |  | $ | 862 |  |  | $ | 16,490 |  |  | $ | 52,881 |
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
| September 30, 2025 |  | September 30, 2024
|  | Balance, beginning of period |  | Credit loss expense (reversal) |  | Ending balance |  | Balance, beginning of period |  | Credit loss expense (reversal) |  | Ending balance
Commercial |  | $ | 1,545 |  |  | $ | (5) |  |  | $ | 1,540 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Real Estate |  | 98 |  |  | (2) |  |  | 96 |  |  | 41 |  |  | — |  |  | 41 |
Mortgage Warehouse |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer |  | 669 |  |  | (34) |  |  | 635 |  |  | 664 |  |  | — |  |  | 664 |
Total |  | $ | 2,312 |  |  | $ | (41) |  |  | $ | 2,271 |  |  | $ | 705 |  |  | $ | — |  |  | $ | 705 |
| Nine Months Ended
| September 30, 2025 |  | September 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 |  |  | 155 |  |  | 1,540 |  |  | $ | — |  |  | — |  |  | — |
Real Estate | 61 |  |  | 35 |  |  | 96 |  |  | 64 |  |  | (23) |  |  | 41 |
Mortgage Warehouse | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer | 703 |  |  | (68) |  |  | 635 |  |  | 551 |  |  | 113 |  |  | 664 |
Total | $ | 2,149 |  |  | $ | 122 |  |  | $ | 2,271 |  |  | $ | 615 |  |  | $ | 90 |  |  | $ | 705 |
The following table represents the commitments to extend credit and standby letters of credit as of September 30, 2025 and December 31, 2024, respectively:
|  | September 30, 2025 |  | December 31, 2024
Commitments to extend credit |  | $ | 1,165,657 |  |  | $ | 1,018,302 |
Standby letters of credit |  | 21,699 |  |  | 23,457 |
Total |  | $ | 1,187,356 |  |  | $ | 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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