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Segment Reporting (Tables)
9 Months Ended
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