v3.25.3

Fair Value (Tables) | 9 Months Ended
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Sep. 30, 2025
Fair Value Disclosures [Abstract] |
Schedule of Financial Instruments Measured at Fair Value on a Recurring Basis | The Company has categorized its financial instruments measured at fair value on a recurring basis as of September 30, 2025 and December 31, 2024 as follows:
(in thousands) |  |  |  |  |  |  |  |
September 30, 2025 |  | Total |  | Quoted Prices in Active Markets for Identical Assets (Level 1) |  | Significant Other Observable Inputs (Level 2) |  | Significant Unobservable Inputs (Level 3)
Investment securities available-for-sale |  |  |  |  |  |  |  |
U.S. Treasuries |  | $ | 136,541 |  |  | $ | 136,541 |  |  | $ | — |  |  | $ | — |
Municipal |  | 13,779 |  |  | — |  |  | 13,779 |  |  | — |
Corporate |  | 4,792 |  |  | — |  |  | 4,792 |  |  | — |
Asset-backed securities |  | 5,208 |  |  | — |  |  | 5,208 |  |  | — |
Mortgage-backed securities |  | 72,320 |  |  | — |  |  | 72,320 |  |  | — |
Total |  | $ | 232,640 |  |  | $ | 136,541 |  |  | $ | 96,099 |  |  | $ | — |
Loans held for sale |  | $ | 19,679 |  |  | $ | — |  |  | $ | 19,679 |  |  | $ | — |
Loan servicing assets |  | $ | 2,070 |  |  | $ | — |  |  | $ | 2,070 |  |  | $ | — |
December 31, 2024 |  |  |  |  |  |  |  |
Investment securities available-for-sale |  |  |  |  |  |  |  |
U.S. Treasuries |  | $ | 126,835 |  |  | $ | 126,835 |  |  | $ | — |  |  | $ | — |
Municipal |  | 9,283 |  |  | — |  |  | 9,283 |  |  | — |
Corporate |  | 4,711 |  |  | — |  |  | 4,711 |  |  | — |
Asset-backed securities |  | 5,526 |  |  | — |  |  | 5,526 |  |  | — |
Mortgage-backed securities |  | 77,275 |  |  | — |  |  | 77,275 |  |  | — |
Total |  | $ | 223,630 |  |  | $ | 126,835 |  |  | $ | 96,795 |  |  | $ | — |
Loans held for sale |  | $ | 21,270 |  |  | $ | — |  |  | $ | 21,270 |  |  | $ | — |
Loan servicing assets |  | $ | 5,511 |  |  | $ | — |  |  | $ | 5,511 |  |  | $ | — |
Schedule of Fair Value of Loans Held for Sale | The following table reflects the difference between the fair value carrying amount of loans held for sale, measured at fair value under FASB ASC 825-10, and the aggregate unpaid principal amount the Company is contractually entitled to receive at maturity:
Fair Value of Loans Held for Sale |  |  |  |
(in thousands) |  | September 30, 2025 |  | December 31, 2024
Aggregate fair value |  | $ | 19,679 |  |  | $ | 21,270 |
Contractual principal |  | 13,779 |  |  | 16,721 |
Difference |  | $ | 5,900 |  |  | $ | 4,549 |
Schedule of Financial Instruments Measured at Fair Value on a Nonrecurring Basis | The Company has categorized its financial instruments measured at fair value on a nonrecurring basis as of September 30, 2025 and December 31, 2024 as follows:
(in thousands) |  | September 30, 2025 |  | December 31, 2024
Individually evaluated loans for credit loss, net |  |  |  |
Level 3 inputs |  | $ | 34,104 |  |  | $ | 25,521 |
Foreclosed real estate |  |  |  |
Level 3 inputs |  | 1,377 |  |  | — |
Total |  | $ | 35,481 |  |  | $ | 25,521 |
Schedule of Unobservable Inputs in Fair Value Measurements | The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at September 30, 2025 and December 31, 2024:
Unobservable Inputs |  |  |
| Valuation Technique |  | Unobservable Inputs |  | Range of Inputs
September 30, 2025 |  |
Individually evaluated loans | Appraised Value/Discounted Cash Flows |  | Discounts to appraisals or cash flows for estimated holding and/or selling costs |  | 0 to 30% 1
Foreclosed real estate | Appraised Value |  | Discounts to appraisals for estimated holding and/or selling costs |  | 0 to 30%
December 31, 2024 | Valuation Technique |  | Unobservable Inputs |  | Range of Inputs
Individually evaluated loans | Appraised Value/Discounted Cash Flows |  | Discounts to appraisals or cash flows for estimated holding and/or selling costs |  | 0 to 30%
(1)A discount rate of 63.4% was used for the acquired PCD loan that was evaluated as a measurement period adjustment to the Day-1 purchase accounting. All other individually evaluated loans used a range of 0 to 30%.
Schedule of Carrying Amount, Fair Value and Fair Value Hierarchy of Financial Instruments | The table below presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments.
| September 30, 2025 |  | December 31, 2024
(in thousands) | Carrying Amount |  | Fair Value |  | Carrying Amount |  | Fair Value
Financial assets |  |  |  |  |  |  |
Level 1 |  |  |  |  |  |  |
Cash and due from banks | $ | 25,724 |  |  | $ | 25,724 |  |  | $ | 25,433 |  |  | $ | 25,433 |
Interest-bearing deposits at other financial institutions | 163,078 |  |  | 163,078 |  |  | 179,841 |  |  | 179,841 |
Federal funds sold | 59 |  |  | 59 |  |  | 58 |  |  | 58 |
Level 2 |  |  |  |  |  |  |
Accrued interest receivable | $ | 19,011 |  |  | $ | 19,011 |  |  | $ | 16,664 |  |  | $ | 16,664 |
Level 3 |  |  |  |  |  |  |
Portfolio loans receivable, net | $ | 2,768,938 |  |  | $ | 2,709,594 |  |  | $ | 2,581,511 |  |  | $ | 2,499,578 |
Restricted investments | 7,057 |  |  | 7,057 |  |  | 4,479 |  |  | 4,479 |
Foreclosed real estate | 1,377 |  |  | 1,377 |  |  | — |  |  | — |
Financial liabilities |  |  |  |  |  |  |
Level 1 |  |  |  |  |  |  |
Noninterest-bearing deposits | $ | 857,543 |  |  | $ | 857,543 |  |  | $ | 810,928 |  |  | $ | 810,928 |
Level 2 |  |  |  |  |  |  |
Accrued interest payable | $ | 8,045 |  |  | $ | 8,045 |  |  | $ | 9,393 |  |  | $ | 9,393 |
Level 3 |  |  |  |  |  |  |
Interest-bearing deposits | $ | 2,054,510 |  |  | $ | 2,056,540 |  |  | $ | 1,951,011 |  |  | $ | 1,960,728 |
FHLB advances and other borrowed funds | 34,062 |  |  | 34,029 |  |  | 34,062 |  |  | 32,372 |

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- Definition Tabular disclosure of input and valuation technique used to measure fair value and change in valuation approach and technique for each separate class of asset and liability measured on recurring and nonrecurring basis. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (bbb)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 103 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (bbb)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 + Details
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- Definition Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3). + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 + Details
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- Definition Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3). + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 + Details
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