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v3.25.4

Federal Home Loan Bank Advances and Other Borrowings | 12 Months Ended
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Dec. 31, 2025
Advance from Federal Home Loan Bank [Abstract] |
Federal Home Loan Bank Advances and Other Borrowings | Federal Home Loan Bank Advances and Other Borrowings FHLB Advances The Company had an overnight FHLB advance of $34.0 million at December 31, 2025. At December 31, 2024, the Company had no FHLB advances. The following table presents financial data of FHLB advances as of the dates or for the periods indicated:
|  | As of or For the Year Ended December 31,
($ in thousands) |  | 2025 |  | 2024 |  | 2023
Weighted-average interest rate at end of year |  | 4.02 | % |  | — | % |  | 5.63 | %
Average interest rate during the year |  | 4.56 | % |  | 5.69 | % |  | 5.51 | %
Average balance |  | $ | 29,762 |  |  | $ | 27,746 |  |  | $ | 8,189 |
Maximum amount outstanding at any month-end |  | $ | 96,000 |  |  | $ | 50,000 |  |  | $ | 39,000 |
Balance at end of year |  | $ | 34,000 |  |  | $ | — |  |  | $ | 39,000 |
Advances paid early are subject to a prepayment penalty. At December 31, 2025 and 2024, loans pledged to secure FHLB advances were $1.12 billion and $977.6 million, respectively. The Company’s investment in capital stock of the FHLB of San Francisco totaled $14.8 million and $13.9 million, respectively, at December 31, 2025 and 2024. The Company had additional borrowing capacity of $840.6 million and $722.4 million, respectively, from the FHLB as of December 31, 2025 and 2024. Federal Reserve Discount Window The Company had $841.6 million of unused borrowing capacity from the Federal Reserve Discount Window, to which the Company pledged loans with a carrying value of $1.05 billion with no outstanding borrowings at December 31, 2025. At December 31, 2024, the Company had $586.5 million of unused borrowing capacity from the Federal Reserve Discount Window, to which the Company pledged loans with a carrying value of $724.0 million with no outstanding borrowings. Overnight Federal Funds Lines The Company maintains overnight federal funds lines with correspondent financial institutions. The Company had no borrowings and unused borrowing capacity of $65.0 million at December 31, 2025. At December 31, 2024, the Company an overnight borrowing of $15.0 million with an interest rate of 4.65% and unused borrowing capacity of $50.0 million

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- Definition The entire disclosure for borrowing from the Federal Home Loan Bank, including: (i) general description; (ii) title and nature of obligation; (iii) interest rate; (iv) payment terms; (v) maturity dates by year; (vi) collateral requirements; (vii) restrictive covenants; (viii) priority; (ix) conversion or redemption features; (x) carrying value of assets pledged as collateral; (xi) combined aggregate maturities for next five years; (xii) unused or available balances. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 942 -SubTopic 210 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(13)(3)(a)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 942 -SubTopic 470 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147478878/942-470-45-1 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 942 -SubTopic 470 -Section 50 -Paragraph 3 -Publisher FASB -URI https://asc.fasb.org/1943274/2147477734/942-470-50-3 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 50 -Paragraph 1 -SubTopic 10 -Topic 470 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481544/470-10-50-1 + Details
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