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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Operating activities      
Net (loss) income $ (35,168) $ 25,276 $ 8,417
Adjustments to reconcile net (loss) income to net cash provided by operating activities:      
Depreciation and amortization 6,192 8,460 5,748
Increase in cash surrender value of bank-owned life insurance (1,165) (1,100) (1,023)
Provision for credit losses 72,314 17,070 16,653
Share-based compensation expense 1,221 1,814 1,258
Loans originated for sale (574,017) (517,675) (328,146)
Proceeds from sale of loans originated for sale 537,937 510,002 342,684
Loss (gain) on sale of loans 8,313 (33,329) (20,997)
Loss (gain) on sale of other real estate owned 260 (27) 0
Decrease in fair value of loans held-for-sale 0 0 143
Loss (gain) on derivatives 0 4,771 (384)
Gain on prepayment of FHLB advances 0 (1,829) 0
Gain on termination of interest rate swaps 0 (2,904) 0
Gain on sale of premises and equipment 0 (149) 0
Net change in servicing asset 5,466 2,537 1,463
Net deferred income tax (18,096) (1,357) (4,353)
Net change in other assets 3,799 (3,932) (6,625)
Net change in other liabilities (3,607) 5,364 (3,158)
Net cash provided by operating activities 3,449 12,992 11,680
Investing activities      
Net loan activity, excluding sales and purchases (464,078) (201,768) (67,851)
Proceeds from sales of other real estate owned 547 623 0
Net proceeds from sales of portfolio loans 848,139 0 0
Maturities of securities available-for-sale 135,068 78,378 53,142
Purchase of securities available-for-sale (311,614) (193,944) (130,772)
Maturities and calls of securities held-to-maturity 33,116 31,957 19,104
Purchase of securities held-to-maturity (33,629) (53,977) (53,573)
Proceeds from bank owned life insurance 0 737 0
Purchase of premises and equipment (1,228) (2,592) (5,367)
Loans purchased (67,328) (142,001) (284,722)
Purchase of equity investments (10,312) (13,583) (4,464)
Net cash used in investing activities 128,681 (496,170) (474,503)
Financing activities      
Net (decrease) increase in deposits (93,393) 866,233 623,818
Cash dividends paid (2,087) (2,078) (2,156)
Repurchase of common stock (521) (283) (9,340)
Proceeds from advances from Federal Home Loan Bank 104,500 430,000 475,000
Repayment of advances from Federal Home Loan Bank (150,000) (750,000) (475,000)
Other, net (262) (182) (153)
Net cash used in by financing activities (141,763) 543,690 612,169
Net (decrease) increase in cash and cash equivalents (9,633) 60,512 149,346
Cash and cash equivalents, beginning of year 466,410 405,898 256,552
Cash and cash equivalents, end of year 456,777 466,410 405,898
Supplemental disclosures of cash flows information      
Cash paid during the year for interest 207,147 205,863 163,604
Cash paid during the year for taxes 99 684 939
Loan transferred to equity investment 5,000 0 0
Loans transferred to other real estate owned 3,166 523 375
Loans transferred to held-for-sale from portfolio 886,154 0 0
Cash dividends declared, not paid 521 520 519
Securities purchases settled in subsequent period $ 0 $ 0 $ 2,632