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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2022
Mar. 31, 2021
Cash flows from operating activities    
Net income $ 19,021 $ 12,117
Adjustments to reconcile net income to net cash:    
Net depreciation amortization and accretion 1,161 1,272
Provision for loan losses 3,400 950
Stock-based compensation 1,519 586
Net change in deferred loan fees 1,037 183
Deferred income tax (benefit) expense   715
Dividends earned on CRA fund (6) (9)
Unrealized (gain) loss on equity securities 106 41
Net change in:    
Accrued interest receivable (991) (733)
Accounts payable, accrued expenses and other liabilities 13,805 (18,908)
Third-party debit cardholder balances 15,245 6,972
Accrued interest payable (449) (149)
Receivable from global payments, net (22,265) (11,097)
Prepaid expenses and other assets (701) 7,958
Net cash provided by (used in) operating activities 30,882 (102)
Cash flows from investing activities    
Loan originations, purchases and payments, net (390,546) (101,649)
Redemptions of other investments   2
Purchases of other investments (3,991) (43)
Purchase of securities available-for-sale   (246,744)
Purchase of securities held-for-investment (95,822)  
Proceeds from paydowns and maturities of securities available-for-sale 28,352 25,243
Proceeds from paydowns of securities held-to-maturity 9,858 262
Purchase of premises and equipment, net (1,874) (774)
Net cash provided by (used in) investing activities (454,023) (323,703)
Cash flows from financing activities    
Proceeds from FHLB advances   50
Repayments of FHLB advances   (50)
Redemption of common stock for tax withholdings for restricted stock vesting (1,191) (2,101)
Redemption of subordinated debt (24,712)  
Proceeds from (repayments of) secured borrowings, net (139) (489)
Net increase (decrease) in deposits (496,209) 597,111
Net cash provided by (used in) financing activities (522,251) 594,521
Increase (decrease) in cash and cash equivalents (945,392) 270,716
Cash and cash equivalents at the beginning of the period 2,359,350 864,305
Cash and cash equivalents at the end of the period 1,413,958 1,135,021
Cash paid for:    
Interest 4,787 3,833
Income Taxes $ 2,725 $ 2,250