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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Cash flows from operating activities      
Net income $ 66,686 $ 77,268 $ 59,425
Adjustments to reconcile net income to net cash:      
Net depreciation, amortization, and accretion (11,412) 7,142 9,712
Provision for credit losses 6,257 12,283 10,116
Stock-based compensation 8,899 9,765 7,836
Other, net (2,986) (75) 225
Deferred income tax (benefit) expense (2,798) (2,800) (4,000)
Net change in:      
Receivable from global payments, net 87,648 (2,043) (45,741)
Third-party debit cardholder balances (10,178) (401) 1,732
Other assets (4,089) (30,019) 3,407
Other liabilities 10,432 (28,694) 43,179
Net cash provided by (used in) operating activities 148,459 42,426 85,891
Cash flows from investing activities      
Loan originations, purchases and payments, net (395,390) (789,736) (1,113,963)
Redemptions of FRB and FHLB Stock 48,348 152,400 20,030
Purchases of FRB and FHLB Stock (40,018) (169,256) (30,142)
Purchase of securities available-for-sale (72,810) (46,809) (33,776)
Purchase of securities held-for-investment   (24,595) (173,625)
Proceeds from paydowns and maturities of securities available-for-sale 53,166 42,342 76,728
Proceeds from paydowns and maturities of securities held-to-maturity 39,724 65,954 44,643
Purchase of premises and equipment, net (2,631) (5,749) (19,245)
Net cash provided by (used in) investing activities (369,611) (775,449) (1,229,350)
Cash flows from financing activities      
Proceeds from (repayments of) federal funds purchased, net 111,000 (51,000) 150,000
Proceeds from (repayments of) FHLB advances, net (200,000)    
Proceeds from (repayments of) FHLB advances, net   340,000 100,000
Proceeds from exercise of stock options     194
Redemption of common stock for tax withholdings for restricted stock vesting (4,582) (3,170) (1,559)
Redemption of subordinated debt     (24,712)
Proceeds from (repayments of) secured and other borrowings, net (144) (140) (24,736)
Net increase (decrease) in deposits 245,681 459,380 (1,157,660)
Net cash provided by (used in) financing activities 151,955 745,070 (958,473)
Increase (decrease) in cash and cash equivalents (69,197) 12,047 (2,101,932)
Cash and cash equivalents at the beginning of the period 269,465 257,418 2,359,350
Cash and cash equivalents at the end of the period 200,268 269,465 257,418
Cash paid for:      
Interest 215,380 151,403 31,599
Income Taxes $ 34,795 $ 36,171 $ 35,304