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Segment Information (Tables)

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

Schedule of CODM Reviews to Allocate Recourses to the Bank

The following table presents financial measures the CODM reviews to allocate recourses to the Bank as of the dates or for the periods indicated:

						As of or For the Year Ended December 31,
($ in thousands)						2025						2024						2023
Revenue
Interest income						$	197,536					$	180,817					$	151,177
Interest expense						93,658						92,200						62,673
Net interest income						103,878						88,617						88,504
Gain on sale of loans						4,617						3,752						3,570
Other income						7,219						7,341						7,113
Total revenue, net of interest expense						115,714						99,710						99,187
Expenses
Provision (reversal) for credit losses						4,028						3,401						(132)
Salaries and employee benefits						36,551						35,661						34,572
Premises expense						7,029						6,865						5,740
Depreciation expense						2,213						2,252						2,184
Other expense						13,405						15,245						13,561
Total expense						63,226						63,424						55,925
Income before income taxes						52,488						36,286						43,262
Income taxes						15,035						10,476						12,557
Net income						$	37,453					$	25,810					$	30,705
Earnings per share, diluted						$	2.58					$	1.74					$	2.12
Return on average assets						1.15		%				0.90		%				1.20		%
Return on average shareholders' equity						9.93		%				7.26		%				9.02		%
Net interest margin						3.29		%				3.17		%				3.57		%
Loans held-for-investment growth percentage						7.3		%				13.2		%				13.6		%
Total deposits growth percentage						6.9		%				11.2		%				14.9		%
Tier 1 leverage ratio (consolidated)						11.89		%				12.45		%				13.43		%
ACL on loans to loans held-for-investment						1.18		%				1.16		%				1.19		%

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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

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- References

No definition available.

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