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Significant Accounting Policies (Tables)

9 Months Ended

Sep. 30, 2025

Accounting Policies [Abstract]

Summary of Operating Revenues

Below is detail of operating revenues (in thousands):

		For the Three Months Ended,								For the Nine Months Ended
		September 30, 2025				September 30, 2024				September 30, 2025				September 30, 2024
Service based revenue, net
Processing and overdraft service fees, net		$	129,195			$	58,659			$	326,106			$	152,850
Tips			-				18,296				7,496				49,284
Subscriptions			9,950				6,333				24,820				18,127
Other			84				102				251				342
Transaction based revenue, net
Interchange revenue, net			6,115				4,960				18,012				14,444
ATM revenue, net			718				747				2,257				2,317
Other			4,663				3,392				11,519				8,872
Total operating revenues, net		$	150,725			$	92,489			$	390,461			$	246,236

Schedule of Earnings Per Share Basic And Diluted

The following table sets forth the computation of the Company’s basic and diluted net income per share attributable to holders of common stock (in thousands, except share data):

		For the Three Months Ended						For the Nine Months Ended
		September 30, 2025			September 30, 2024			September 30, 2025			September 30, 2024
Numerator
Net income attributed to common stockholders—basic and diluted		$	92,072		$	466		$	129,924		$	41,067
Denominator
Weighted-average shares of common stock—basic			13,457,671			12,639,294			13,317,504			12,426,122
Dilutive effect of stock options			198,532			258,809			194,928			255,565
Dilutive effect of RSU			869,098			1,034,549			980,395			905,690
Weighted-average shares of common stock—diluted			14,525,301			13,932,652			14,492,827			13,587,377
Net income per share
Basic		$	6.84		$	0.04		$	9.76		$	3.30
Diluted		$	6.34		$	0.03		$	8.96		$	3.02

Summary of Computation of Diluted Net Income Per Share

The following potentially dilutive shares were excluded from the computation of diluted net income per share for the periods presented because including them would have been antidilutive:

		For the Three Months Ended						For the Nine Months Ended
		September 30, 2025			September 30, 2024			September 30, 2025			September 30, 2024
Equity incentive awards			412,857			86,354			474,176			613,956
Total			412,857			86,354			474,176			613,956

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Revenue recognition.

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Tabular disclosure of securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) in the future that were not included in the computation of diluted EPS because to do so would increase EPS amounts or decrease loss per share amounts for the period presented, by antidilutive securities.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482662/260-10-50-1

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Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 260
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482662/260-10-50-1

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