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Consolidated Statements of Comprehensive Income - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Revenue    
Interest and fee income $ 150,296 $ 136,553
Insurance income, net 11,810 11,297
Other income 5,184 5,117
Total revenue 167,290 152,967
Expenses    
Provision for credit losses 64,868 57,992
Personnel 39,342 41,142
Occupancy 7,479 6,906
Marketing 4,181 5,406
Other 13,662 12,589
Total general and administrative expenses 64,664 66,043
Interest expense 22,923 19,771
Income before income taxes 14,835 9,161
Income taxes 3,434 2,154
Net income $ 11,401 $ 7,007
Net income per common share:    
Basic $ 1.24 $ 0.73
Diluted $ 1.18 $ 0.7
Weighted-average common shares outstanding:    
Basic 9,163 9,610
Diluted 9,662 10,025
Other comprehensive loss, net of tax    
Unrealized loss on restricted AFS investments $ (36) $ (296)
Income taxes on unrealized items 7 63
Other comprehensive loss, net of tax (29) (233)
Total comprehensive income $ 11,372 $ 6,774