CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
INTEREST AND DIVIDEND INCOME
Interest and fees on loans	$ 90,944	$ 80,199	$ 175,565	$ 146,630
Interest on interest earning deposits with other banks	5,683	2,678	10,463	5,775
Interest on investment securities	686	653	1,720	1,206
Dividends on other investments	174	156	211	186
Total interest income	97,487	83,686	187,959	153,797
INTEREST EXPENSE
Interest on deposits	30,578	20,675	59,445	35,633
Interest on borrowed funds	672	661	1,341	1,323
Total interest expense	31,250	21,336	60,786	36,956
Net interest income	66,237	62,350	127,173	116,841
PROVISION FOR CREDIT LOSSES	62,325	52,253	145,483	95,950
Net interest income/(expense) after provision for credit losses	3,912	10,097	(18,310)	20,891
NONINTEREST INCOME
Deposit service charges and fees	946	989	1,854	1,899
Loan referral fees	0	682	168	682
Gain on sales of loans, net	0	23	0	146
Unrealized gain (loss) on equity securities, net	9	155	24	194
Other income	257	234	565	533
Noninterest income, excluding BaaS program income and BaaS indemnification income	1,212	2,083	2,611	3,454
Total noninterest income	69,918	58,595	156,873	107,902
NONINTEREST EXPENSE
Salaries and employee benefits	17,005	16,309	34,989	31,884
Occupancy	1,686	1,143	3,204	2,362
Data processing and software licenses	2,924	1,972	5,816	3,812
Legal and professional expenses	3,631	4,645	7,303	7,707
Point of sale expense	852	814	1,721	1,567
Excise taxes	(706)	531	(386)	986
Federal Deposit Insurance Corporation ("FDIC") assessments	690	570	1,373	1,165
Director and staff expenses	470	519	870	1,145
Marketing	14	115	67	210
Other expense	1,383	1,722	3,250	2,612
Noninterest expense, excluding BaaS loan and BaaS fraud expense	27,949	28,340	58,207	53,450
BaaS loan and fraud expense	30,860	23,570	56,620	43,123
Total noninterest expense	58,809	51,910	114,827	96,573
Income before provision for income taxes	15,021	16,782	23,736	32,220
PROVISION FOR INCOME TAXES	3,425	3,876	5,340	6,923
NET INCOME	$ 11,596	$ 12,906	$ 18,396	$ 25,297
Basic earnings per common share (in usd per share)	$ 0.86	$ 0.97	$ 1.38	$ 1.91
Diluted earnings per common share (in usd per share)	$ 0.84	$ 0.95	$ 1.34	$ 1.86
Weighted average number of common shares outstanding:
Basic (in shares)	13,412,667	13,275,640	13,376,832	13,236,517
Diluted (in shares)	13,736,508	13,597,763	13,706,713	13,603,594
BaaS program income
NONINTEREST INCOME
Noninterest income	$ 6,096	$ 3,948	$ 10,921	$ 7,523
BaaS indemnification income
NONINTEREST INCOME
Noninterest income	62,610	52,564	143,341	96,925
Servicing and other BaaS fees | BaaS program income
NONINTEREST INCOME
Noninterest income	1,525	895	2,656	1,843
Transaction fees | BaaS program income
NONINTEREST INCOME
Noninterest income	1,309	1,052	2,431	1,969
Interchange fees | BaaS program income
NONINTEREST INCOME
Noninterest income	1,625	975	3,164	1,764
Reimbursement of expenses | BaaS program income
NONINTEREST INCOME
Noninterest income	1,637	1,026	2,670	1,947
BaaS credit enhancements | BaaS indemnification income
NONINTEREST INCOME
Noninterest income	60,826	51,027	140,634	93,389
BaaS fraud enhancements | BaaS indemnification income
NONINTEREST INCOME
Noninterest income	1,784	1,537	2,707	3,536
BaaS loan expense
NONINTEREST EXPENSE
BaaS loan and fraud expense	29,076	22,033	53,913	39,587
BaaS fraud expense
NONINTEREST EXPENSE
BaaS loan and fraud expense	$ 1,784	$ 1,537	$ 2,707	$ 3,536