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Consolidated Statements of Comprehensive Income - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Revenue        
Interest and fee income $ 148,672 $ 133,932 $ 425,920 $ 390,648
Insurance income, net 11,391 7,422 34,187 28,903
Other income 5,424 4,984 15,789 14,120
Total revenue 165,487 146,338 475,896 433,671
Expenses        
Provision for credit losses 60,474 54,349 179,053 154,574
Personnel 39,517 38,323 119,243 113,240
Occupancy 7,160 6,551 20,977 19,075
Marketing 4,212 5,078 14,677 14,229
Other 13,179 12,516 38,159 36,508
Total general and administrative expenses 64,068 62,468 193,056 183,052
Interest expense 21,971 19,356 62,168 54,725
Income before income taxes 18,974 10,165 41,619 41,320
Income taxes 4,618 2,502 10,116 10,007
Net income $ 14,356 $ 7,663 $ 31,503 $ 31,313
Net income per common share:        
Basic $ 1.53 $ 0.79 $ 3.32 $ 3.25
Diluted $ 1.42 $ 0.76 $ 3.15 $ 3.16
Weighted-average common shares outstanding:        
Basic 9,370 9,683 9,493 9,622
Diluted 10,133 10,090 10,000 9,900
Other comprehensive income (loss), net of tax        
Unrealized income (loss) on restricted AFS investments $ (9) $ (61) $ (91) $ 362
Income taxes on unrealized items 1 13 19 (77)
Other comprehensive income (loss), net of tax (8) (48) (72) 285
Total comprehensive income $ 14,348 $ 7,615 $ 31,431 $ 31,598