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Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Revenue    
Interest and fee income $ 136,553 $ 128,818
Insurance income, net 11,297 10,974
Other income 5,117 4,516
Total revenue 152,967 144,308
Expenses    
Provision for credit losses 57,992 46,423
Personnel 41,142 37,820
Occupancy 6,906 6,375
Marketing 5,406 4,315
Other 12,589 11,938
Total general and administrative expenses 66,043 60,448
Interest expense 19,771 17,504
Income before income taxes 9,161 19,933
Income taxes 2,154 4,728
Net income $ 7,007 $ 15,205
Net income per common share:    
Basic $ 0.73 $ 1.59
Diluted $ 0.7 $ 1.56
Weighted-average common shares outstanding:    
Basic 9,610,000 9,569,000
Diluted 10,025,000 9,746,000
Other comprehensive income (loss), net of tax    
Unrealized income (loss) on restricted AFS investments $ (296) $ 195
Income taxes on unrealized items 63 (42)
Other comprehensive income (loss), net of tax (233) 153
Total comprehensive income $ 6,774 $ 15,358