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Mortgage Servicing Rights

6 Months Ended

Jun. 30, 2026

Transfers and Servicing [Abstract]

Mortgage Servicing Rights

Note 10 — Mortgage Servicing Rights

Mortgage loans sold with servicing retained are not included in the Consolidated Balance Sheets. The Company has elected to record its mortgage servicing rights using the fair value measurement method. Fair value adjustments recorded at the end of the current period reflect valuation changes from the prior period-end.

The following table presents the Company's mortgage servicing rights, unpaid principal balance of loans serviced for GNMA by Century and BPC MC Trust, a related party (see Note 17 — Related Party Transactions), and significant assumptions used in determining the fair value of servicing rights as of June 30, 2026 and December 31, 2025:

		Mortgage Servicing Rights				UPB Serviced				Weighted Average Discount Rate				Weighted Average Conditional Prepayment Rate
		($ in thousands)
June 30, 2026
GNMA loans		$	14,160			$	872,458				8.0	%			5.9	%
BPC MC Trust loans			147				112,237				15.0				39.0
Total		$	14,307			$	984,695				8.8				9.6
December 31, 2025
GNMA loans		$	12,748			$	820,070				8.0				5.6
BPC MC Trust loans			215				128,047				15.0				36.5
Total		$	12,963			$	948,117				8.9				9.7

The following table presents the Company's mortgage servicing rights activity for the three and six months ended June 30, 2026 and 2025:

		Three Months Ended June 30,								Six Months Ended June 30,
		2026				2025				2026				2025
		(In thousands)
Balance at the beginning of period		$	12,645			$	12,631			$	12,963			$	13,712
Additions			536				451				555				451
Fair value adjustments			1,126				(142	)			789				(1,223	)
Balance at the end of period		$	14,307			$	12,940			$	14,307			$	12,940

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- Definition

The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.

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