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v3.25.3

Segment Reporting (Tables) | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Summary of Segment Profit or Loss | The CODM either reviews or is otherwise regularly provided with amounts for the following measures in the Company’s financial results for the periods indicated:
|  | Three Months Ended September 30, |  |  | Nine Months Ended September 30, |
Dollars in thousands |  | 2025 |  |  | 2024 |  |  | 2025 |  |  | 2024 |
Interest income |  | $ | 138,173 |  |  | $ | 124,533 |  |  | $ | 395,186 |  |  | $ | 363,087 |
Fee income |  |  | 10,499 |  |  |  | 9,399 |  |  |  | 30,734 |  |  |  | 27,561 |
Insurance income, net |  |  | 11,391 |  |  |  | 7,422 |  |  |  | 34,187 |  |  |  | 28,903 |
Other income |  |  | 5,424 |  |  |  | 4,984 |  |  |  | 15,789 |  |  |  | 14,120 |
Provision for credit losses |  |  | 60,474 |  |  |  | 54,349 |  |  |  | 179,053 |  |  |  | 154,574 |
Share-based compensation expense |  |  | 2,760 |  |  |  | 3,724 |  |  |  | 9,059 |  |  |  | 8,824 |
Depreciation and amortization expense |  |  | 2,849 |  |  |  | 2,301 |  |  |  | 7,546 |  |  |  | 6,834 |
Interest expense |  |  | 21,971 |  |  |  | 19,356 |  |  |  | 62,168 |  |  |  | 54,725 |
Income tax expense |  |  | 4,618 |  |  |  | 2,502 |  |  |  | 10,116 |  |  |  | 10,007 |

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-25 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
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