The Bancorp, Inc. (TBBK) 10-K 1 Mar 23 2022 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Feb. 21, 2023	Jun. 30, 2022
Document And Entity Information [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2022
Document Fiscal Period Focus	FY
Document Transition Report	false
Entity File Number	000-51018
Entity Registrant Name	The Bancorp, Inc.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	23-3016517
Entity Address, Address Line One	409 Silverside Road
Entity Address, City or Town	Wilmington
Entity Address, State or Province	DE
Entity Address, Postal Zip Code	19809
City Area Code	302
Local Phone Number	385-5000
Title of 12(b) Security	Common Stock, par value $1.00 per share
Trading Symbol	TBBK
Security Exchange Name	NASDAQ
Entity Filer Category	Large Accelerated Filer
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Shell Company	false
ICFR Auditor Attestation Flag	true
Entity Public Float			$ 1,080
Entity Common Stock, Shares Outstanding		55,585,866
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Entity Central Index Key	0001295401
Documents Incorporated by Reference	DOCUMENTS INCORPORATED BY REFERENCE Portions of the proxy statement for registrant’s 2023 Annual Meeting of Shareholders are incorporated by reference in Part III of this Form 10-K.
Auditor Firm ID	248
Auditor Location	Philadelphia, Pennsylvania
Auditor Name	GRANT THORNTON LLP

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands		Dec. 31, 2022	Dec. 31, 2021
Cash and cash equivalents
Cash and due from banks		$ 24,063	$ 5,382
Interest earning deposits at Federal Reserve Bank		864,126	596,402
Total cash and cash equivalents		888,189	601,784
Investment securities, available-for-sale, at fair value		766,016	953,709
Commercial loans, at fair value (includes $0 and $61.6 million of loans held for sale at lower of cost or fair value at December 31, 2022 and December 31, 2021, respectively)		589,143	1,388,416
Loans, net of deferred loan fees and costs	[1]	5,486,853	3,747,224
Allowance for credit losses		(22,374)	(17,806)
Loans, net		5,464,479	3,729,418
Federal Home Loan Bank, Atlantic Central Bankers Bank, and Federal Reserve Bank stock		12,629	1,663
Premises and equipment, net		18,401	16,156
Accrued interest receivable		32,005	17,871
Intangible assets, net		2,049	2,447
Other real estate owned		21,210	18,873
Deferred tax asset, net		19,703	12,667
Assets held-for-sale from discontinued operations		0	3,268
Other assets		89,176	96,967
Total assets		7,903,000	6,843,239
Deposits
Demand and interest checking		6,559,617	5,561,365
Savings and money market		140,496	415,546
Time deposits, $100,000 and over		330,000
Total deposits		7,030,113	5,976,911
Securities sold under agreements to repurchase		42	42
Senior debt		99,050	98,682
Subordinated debentures		13,401	13,401
Other long-term borrowings		10,028	39,521
Other liabilities		56,335	62,228
Total liabilities		7,208,969	6,190,785
SHAREHOLDERS' EQUITY
Common stock - authorized, 75,000,000 shares of $1.00 par value; 55,689,627 and 57,370,563 shares issued and outstanding at December 31, 2022 and December 31, 2021, respectively		55,690	57,371
Additional paid-in capital		299,279	349,686
Retained earnings		369,319	239,106
Accumulated other comprehensive (loss) income		(30,257)	6,291
Total shareholders' equity		694,031	652,454
Total liabilities and shareholders' equity		$ 7,903,000	$ 6,843,239
[1] The ending balance for loans in the unallocated column represents deferred costs and fees.

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Loans held for sale at lower of cost or fair value	$ 0	$ 61.6
SHAREHOLDERS' EQUITY
Common stock, authorized (in shares)	75,000,000	75,000,000
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, issued (in shares)	55,689,627	57,370,563
Common stock, outstanding	55,689,627	57,370,563

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Interest income
Loans, including fees	$ 275,837	$ 192,636	$ 170,960
Investment securities:
Taxable interest	25,598	28,661	37,822
Tax-exempt interest	98	103	115
Interest earning deposits	6,762	715	1,885
Total interest income	308,295	222,115	210,782
Interest expense
Deposits	51,136	5,623	13,281
Short-term borrowings	1,538	49	198
Long-term borrowings	1,004
Senior debt	5,118	5,118	1,913
Subordinated debentures	658	449	524
Total interest expense	59,454	11,239	15,916
Net interest income	248,841	210,876	194,866
Provision for credit losses	7,108	3,110	6,352
Net interest income after provision for credit losses	241,733	207,766	188,514
Non-interest income
Net realized and unrealized gains (losses) on commercial loans, at fair value	13,531	14,885	(3,874)
Change in value of investment in unconsolidated entity			(45)
Leasing related income	4,822	6,457	3,294
Other	1,159	1,227	3,676
Total non-interest income	105,683	104,749	84,617
Non-interest expense
Salaries and employee benefits	105,368	105,998	101,737
Depreciation and amortization	2,902	2,903	3,202
Rent and related occupancy cost	5,193	5,016	5,541
Data processing expense	4,972	4,664	4,712
Printing and supplies	428	371	514
Audit expense	1,526	1,469	1,061
Legal expense	3,878	6,848	5,141
Legal settlement	1,152
Amortization of intangible assets	398	398	556
FDIC insurance	3,270	5,586	9,808
Software	16,211	15,659	14,028
Insurance	5,026	3,896	2,818
Telecom and IT network communications	1,457	1,569	1,623
Consulting	1,262	1,426	1,361
Civil money penalty	1,750
Other	14,709	12,547	12,745
Total non-interest expense	169,502	168,350	164,847
Income from continuing operations before income taxes	177,914	144,165	108,284
Income tax expense	47,701	33,724	27,688
Net income from continuing operations	130,213	110,441	80,596
Discontinued operations
Income (loss) from discontinued operations before income taxes		288	(3,816)
Income tax expense (benefit)		76	(3,304)
Income (loss) from discontinued operations, net of tax		212	(512)
Net income	$ 130,213	$ 110,653	$ 80,084
Net income per share from continuing operations - basic	$ 2.30	$ 1.93	$ 1.40
Net income (loss) per share from discontinued operations - basic			(0.01)
Net income per share - basic	2.30	1.93	1.39
Net income per share from continuing operations - diluted	2.27	1.88	1.38
Net income (loss) per share from discontinued operations - diluted			(0.01)
Net income per share - diluted	$ 2.27	$ 1.88	$ 1.37
ACH, Card And Other Payment Processing Fees [Member]
Non-interest income
Fees	$ 8,935	$ 7,526	$ 7,101
Prepaid, Debit Card And Related Fees [Member]
Non-interest income
Fees	$ 77,236	$ 74,654	$ 74,465

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]
Net income	$ 130,213	$ 110,653	$ 80,084
Securities available-for-sale:
Change in net unrealized (losses) gains during the year	(49,888)	(15,679)	15,969
Reclassification adjustments for losses included in income	(4)	7
Amortization of losses previously held as available-for-sale			5
Other comprehensive (loss) income	(49,892)	(15,672)	15,974
Securities available-for-sale:
Change in net unrealized (losses) during the year	(13,343)	(4,257)	4,312
Reclassification adjustments for losses included in income	(1)	2
Amortization of losses previously held as available-for-sale			1
Income tax (benefit) expense related to items of other comprehensive (loss) income	(13,344)	(4,255)	4,313
Other comprehensive (loss) income, net of tax and reclassifications into net income	(36,548)	(11,417)	11,661
Comprehensive income	$ 93,665	$ 99,236	$ 91,745

CONSOLIDATED STATEMENT OF CHANG

CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings/(Accumulated Deficit) [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings/(Accumulated Deficit) [Member]	Accumulated Other Comprehensive Income/(Loss) [Member]	Total
Balance at Dec. 31, 2019	$ (2,373)	$ (2,373)	$ 56,841	$ 370,867	$ 50,742	$ 6,047	$ 484,497
Balance, shares at Dec. 31, 2019			56,840,521
Net income					80,084		80,084
Common stock issued from option exercises, net of tax benefits			$ 99	767			$ 866
Common stock issued from option exercises, net of tax benefits, shares			99,000				99,000
Common stock issued from restricted units, net of tax benefits			$ 611	(611)
Common stock issued from restricted units, net of tax benefits, shares			611,108
Stock-based compensation				6,429			$ 6,429
Other comprehensive loss net of reclassification adjustments and tax						11,661	11,661
Balance at Dec. 31, 2020			$ 57,551	377,452	128,453	17,708	581,164
Balance (in shares) at Dec. 31, 2020			57,550,629
Net income					110,653		110,653
Common stock issued from option exercises, net of tax benefits			$ 634	2,794			$ 3,428
Common stock issued from option exercises, net of tax benefits, shares			633,966				633,966
Common stock issued from restricted units, net of tax benefits			$ 1,021	(1,021)
Common stock issued from restricted units, net of tax benefits, shares			1,021,029
Stock-based compensation				8,626			$ 8,626
Common stock repurchases			$ (1,835)	(38,165)			(40,000)
Common stock repurchases, shares			(1,835,061)
Other comprehensive loss net of reclassification adjustments and tax						(11,417)	(11,417)
Balance at Dec. 31, 2021			$ 57,371	349,686	239,106	6,291	$ 652,454
Balance (in shares) at Dec. 31, 2021			57,370,563				57,370,563
Net income					130,213		$ 130,213
Common stock issued from option exercises, net of tax benefits			$ 58	262			$ 320
Common stock issued from option exercises, net of tax benefits, shares			58,531				58,531
Common stock issued from restricted units, net of tax benefits			$ 583	(583)
Common stock issued from restricted units, net of tax benefits, shares			582,789
Stock-based compensation				7,592			$ 7,592
Common stock repurchases			$ (2,322)	(57,678)			$ (60,000)
Common stock repurchases, shares			(2,322,256)				(2,322,256)
Other comprehensive loss net of reclassification adjustments and tax						(36,548)	$ (36,548)
Balance at Dec. 31, 2022			$ 55,690	$ 299,279	$ 369,319	$ (30,257)	$ 694,031
Balance (in shares) at Dec. 31, 2022			55,689,627				55,689,627

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Operating activities
Net income from continuing operations	$ 130,213	$ 110,441	$ 80,596
Net income (loss) from discontinued operations, net of tax		212	(512)
Adjustments to reconcile net income to net cash used in operating activities
Depreciation and amortization	3,300	3,301	3,758
Provision for credit losses	7,108	3,110	6,352
Net amortization of investment securities discounts/premiums	1,704	3,458	15,825
Stock-based compensation expense	7,592	8,626	6,429
Gain on commercial loans, at fair value	(18,635)	(12,929)	(1,684)
Deferred income tax expense (benefit)	5,870	1,402	(1,350)
(Gain) loss from discontinued operations	(4)	(1,546)	668
Loss on sale of other real estate owned		315
Fair value adjustment on investment in unconsolidated entity			45
Change in fair value of commercial loans, at fair value	6,065	1,510	3,567
Change in fair value of derivatives	(961)	(1,671)	1,991
Loss on sales of investment securities	6	7
(Increase) decrease in accrued interest receivable	(14,134)	2,587	(6,839)
(Increase) decrease in other assets	(1,802)	(17,030)	2,350
Change in fair value of discontinued assets held-for-sale		498
(Decrease) increase in other liabilities	(5,340)	(18,399)	9,489
Net cash provided by operating activities	120,982	83,892	120,685
Investing activities
Purchase of investment securities available-for-sale	(24,183)	(259,059)	(34,658)
Proceeds from redemptions and prepayments of securities available-for-sale	161,110	492,258	233,794
Net cash paid due to acquisitions, net of cash acquired			(3,920)
Sale of repossessed assets	1,800	910	14,727
Proceeds from sale of other real estate owned	2,343	300
Net increase in loans	(1,680,129)	(1,096,189)	(836,217)
Net decrease in discontinued loans held-for-sale		27,175	20,783
Commercial loans, at fair value drawn during the period	(66,067)	(127,765)	(721,590)
Payments on commercial loans, at fair value	782,157	645,330	88,727
Proceeds from sale of fixed assets			15
Purchases of premises and equipment	(5,134)	(1,549)	(3,738)
Change in receivable from investment in unconsolidated entity		18	48
Return of investment in unconsolidated entity		7,337	7,815
Decrease in discontinued assets held-for-sale	4	5,332	5,556
Net cash used in investing activities	(828,099)	(305,902)	(1,228,658)
Financing activities
Net increase in deposits	1,053,202	514,851	410,030
Net decrease in securities sold under agreements to repurchase			(40)
Proceeds of senior debt offering			98,160
Proceeds from the issuance of common stock options	320	3,428	866
Repurchases of common stock	(60,000)	(40,000)
Net cash provided by financing activities	993,522	478,279	509,016
Net increase (decrease) in cash and cash equivalents	286,405	256,269	(598,957)
Cash and cash equivalents, beginning of period	601,784	345,515	944,472
Cash and cash equivalents, end of period	888,189	601,784	345,515
Supplemental disclosure:
Interest paid	57,601	11,709	13,310
Taxes paid	37,787	44,341	23,040
Non-cash investing and financing activities
Transfer of loans from investment in unconsolidated entity upon its dissolution		22,926
Transfer of real estate owned from investment in unconsolidated entity upon its dissolution		2,145	3,780
Transfer of loans from discontinued operations	61,580
Transfers of real estate owned from discontinued operations	17,343
Loans settled in acquisition			3,961
Leased vehicles transferred to repossessed assets	$ 2,008	$ 1,009	$ 15,327

Organization And Nature Of Oper

Organization And Nature Of Operations	12 Months Ended
	Dec. 31, 2022
Organization And Nature Of Operations [Abstract]
Organization And Nature Of Operations	Note A —Organization and Nature of Operations The Bancorp, Inc. (the “Company”) is a Delaware corporation and a registered financial holding company. Its primary subsidiary is The Bancorp Bank, National Association (the “Bank”), which is wholly owned by the Company. The Bank is a nationally chartered commercial bank located in Sioux Falls, South Dakota and is a Federal Deposit Insurance Corporation (“FDIC”) insured institution. As a nationally chartered institution, the Company’s primary regulator is the Office of the Comptroller of the Currency (“OCC”). The Bank has two primary lines of business consisting of its national specialty lending segment and its payments segment. In the national specialty lending segment, the Bank makes the following types of loans: securities-backed lines of credit (“SBLOC”) and cash value of insurance-backed lines of credit (“IBLOC”), leases (direct lease financing), Small Business Administration (“SBA”) loans and non-SBA commercial real estate (“CRE”) bridge loans. Prior to 2020, the Company generated CRE bridge loans for sale into capital markets primarily through loan securitizations which issued commercial mortgage backed securities (“CMBS”). In the third quarter of 2020, the Company decided to retain the CRE bridge loans on its balance sheet and no future securitizations are currently planned. In the third quarter of 2021, the Company resumed originating CRE bridge loans (primarily for apartment buildings), after suspending the origination of such loans for most of 2020 and the first half of 2021. These new originations are classified as real estate bridge loans (“REBL”) and are accounted for at amortized cost, while prior CRE bridge loans originally generated for securitization continue to be accounted for at fair value. Additionally, in 2020, the Company began originating advisor financing loans to investment advisors for debt refinance, acquisition of other advisory firms or internal succession. While the national specialty lending segment generates the majority of the Company’s revenues, the payment segment also contributes significant revenues. In its payments segment, the Company provides payment and deposit services nationally, which include prepaid and debit card accounts, private label banking, deposit accounts to investment advisors’ customers, card payment and other payment processing services. Payment segment deposits fund the majority of the Company’s loans and securities and may be lower cost than other funding sources. Most of that segment’s revenues and deposits, and SBLOC and IBLOC loans, result from relationships with third parties which market such products. Concentrations of loans and deposits result based upon the cumulative account balances generated by those third parties. Similar concentrations result in revenues in prepaid, debit card and related fees. These concentrations may also be reflected in a lower cost of funds compared to other funding sources. The Company sweeps certain deposits off its balance sheet to other institutions through intermediaries. Such sweeps are utilized to optimize diversity within its funding structure by managing the percentage of individual client deposits to total deposits. The Company and the Bank are subject to regulation by certain state and federal agencies and, accordingly, they are examined periodically by those regulatory authorities. As a consequence of the extensive regulation of commercial banking activities, the Company’s and the Bank’s businesses may be affected by state and federal legislation and regulations.

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2022
Summary Of Significant Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	Note B—Summary of Significant Accounting Policies 1. Basis of Presentation The accounting and reporting policies of the Company conform to generally accepted accounting principles in the United States of America (“U.S. GAAP”) and predominant practices within the banking industry. The consolidated financial statements include the accounts of the Company and all its subsidiaries. All inter-company balances have been eliminated. Reclassifications have been made to the 2020 consolidated financial statements to conform to the 2021 and 2022 presentation. Specifically, the minimal service fees on deposit accounts which were shown separately on the income statement are now shown in other income. In the first quarter of 2021, the Company changed its presentation of treasury stock acquired through common stock repurchases. To simplify presentation, common stock repurchases previously shown separately as treasury stock, are now shown as reductions in common stock and additional paid-in capital . The Company performed a strategic evaluation of its businesses in the third quarter of 2014 and decided to discontinue its Philadelphia commercial lending operations to focus on its specialty finance lending. The Company has since disposed of the vast majority of related loans and other real estate owned. While in the process of disposition, financial results of the commercial lending operations were presented as separate from continuing operations on the consolidated statements of operations and assets of the commercial lending operations to be disposed of were presented as assets held-for-sale on the consolidated balance sheets. As disposition efforts concluded, discontinued loans of $ 61.6 million were reclassified to loans held for investment in the first quarter of 2022. Accordingly, these loans will be accounted for as such, and included in related tables. On the December 31, 2021 consolidated balance sheet, these discontinued loans were reclassified as loans held for sale in continuing operations and included within “Commercial loans, at fair value”. Discontinued other real estate owned of $ 17.3 million which constituted the remainder of discontinued assets was reclassified to the other real estate owned caption on the balance sheet. As noted above, in the first quarter of 2022, the loans previously in discontinued operations were reclassified to held for investment. In the second quarter of 2022, as a result of the loan reclassification, related valuation reserves were reversed as a credit to “Net realized and unrealized gains on commercial loans, at fair value” in the consolidated statement of operations, while the allowances for credit losses and loan commitments in the consolidated balance sheet were increased through a provision for credit losses. Accordingly, a $ 3.5 million credit to “Net realized and unrealized gains on commercial loans, at fair value” was offset by a provision for credit losses of $ 3.5 million with no net impact on income. Of the $ 3.5 million provision, $ 1.3 million increased the allowance for credit losses and $ 2.2 million increased the allowance for loan commitments recorded in other liabilities. These reclassification entries were made retroactive to the first quarter of 2022 and are reflected in year to date 2022 results . The Company’s non-SBA commercial real estate bridge loans, at fair value, are primarily collateralized by multi-family properties (apartment buildings), and to a lesser extent, by hotel and retail properties. These loans were originally generated for sale through securitizations. In 2020, the Company decided to retain these loans on its balance sheet as interest-earning assets and has resumed originating such loans, after ceasing originations for most of 2020 and the first half of 2021. These new originations are identified as REBL and are held for investment in the loan portfolio. Prior originations initially intended for securitizations continue to be accounted for at fair value, and are included in the balance sheet in “Commercial loans, at fair value.” The preparation of consolidated financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The principal estimates that are particularly susceptible to a significant change in the near term relate to the allowance for credit losses on loans and investment securities, loans measured at fair value and the realizability of deferred income taxes. 2. Cash and Cash Equivalents Cash and cash equivalents are defined as cash and amounts due from banks with an original maturity from date of purchase of three months or less and federal funds sold. The Company maintains balances in excess of insured limits at various financial institutions including the Federal Reserve Bank (“FRB”), the Federal Home Loan Bank (“FHLB”) and other private institutions. The Company does not believe these instruments carry a significant risk of loss, but cannot provide assurances that no losses could occur if these institutions were to become insolvent. The Company also funds cash in ATMs on cruise ships for use by certain of its card account holders, for which insurance is maintained. 3. Investment Securities Investments in debt and equity securities which management believes may be sold prior to maturity due to changes in interest rates, prepayment risk, liquidity requirements, or other factors, are classified as available-for-sale. Net unrealized gains for such securities, net of tax effect, are reported as other comprehensive income, through equity and are excluded from the determination of net income. The unrealized losses for available-for-sale securities are evaluated to determine if any component is attributable to credit loss versus market factors. If the present value of cash flows expected to be collected is less than the amortized cost basis, a provision for credit losses is recorded within the consolidated statement of operations. Subsequent improvement in credit may, unlike previous accounting, result in reversal of the credit charge in future periods. For available-for-sale debt securities in an unrealized loss position, the Company also assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. The Company does not engage in securities trading. Gains or losses on disposition of investment securities are based on the net proceeds and the adjusted carrying amount of the securities sold using the specific identification method . The Company evaluates whether an allowance for credit loss is required by considering primarily the following factors: (a) the extent to which the fair value is less than the amortized cost of the security, (b) changes in the financial condition, credit rating and near-term prospects of the issuer, (c) whether the issuer is current on contractually obligated interest and principal payments, (d) changes in the financial condition of the security’s underlying collateral and (e) the payment structure of the security. The Company’s determination of the best estimate of expected future cash flows, which is used to determine the credit loss amount, is a quantitative and qualitative process that incorporates information received from third-party sources along with internal assumptions and judgments regarding the future performance of the security. The Company concluded that the securities that are in an unrealized loss position are in a loss position because of changes in market interest rates after the securities were purchased. The Company’s unrealized loss for other debt securities, which include one single issuer trust preferred security, is primarily related to general market conditions, including a lack of liquidity in the market. The severity of the impact of fair value in relation to the carrying amounts of the individual investments is consistent with market developments. The Company’s analysis of each investment is performed at the security level. As a result of its quarterly review, the Company concluded that an allowance was not required to recognize credit losses in either 2022, 2021 or 2020. 4. Loans and Allowance for Credit Losses Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are classified as held for investment and are stated at amortized cost, net of unearned discounts, unearned loan fees and an allowance for credit losses. For loans held for investment at amortized cost, the Company, effective January 1, 2020, began to utilize a current expected credit loss, or CECL, approach to determine the allowance for credit losses. CECL accounting replaced the prior incurred loss model that recognized losses when it became probable that a credit loss would be incurred, with a new requirement to recognize lifetime expected credit losses immediately when a financial asset is originated or purchased. Accordingly, CECL requires loss estimates for the remaining estimated life of the financial asset using historical experience, current conditions, and reasonable and supportable forecasts. The allowance for credit losses is established through a provision for credit losses charged to expense. Loan principal considered to be uncollectible by management is charged against the allowance for credit losses. The allowance is an amount that management believes is appropriate and supportable to absorb current and future expected losses on existing loans that may become uncollectible. The evaluation takes into consideration historical losses by pools of loans with similar risk characteristics and qualitative factors such as portfolio performance and the potential impact of current economic conditions which may affect the borrowers’ ability to pay. For most pools, the historical loss ratio for each pool is multiplied by its outstanding balance and further multiplied by the estimated remaining average life of each pool. A qualitative factor determined according to the pool’s risk characteristics, is multiplied by the pool’s outstanding principal to comprise the second component of its allowance for credit losses. For loans previously classified in discontinued operations, discounted cash flow is utilized to determine the related allowance. For SBLOC and IBLOC pools, which have not experienced significant credit losses, probability of loss/loss given default considerations and qualitative factors are utilized. Additionally, the allowance includes allocations for specific loans which have been individually evaluated for an allowance for credit losses. Factors considered by management in determining the need for individual loan evaluation for a specific allowance include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not evaluated for an allowance for that reason alone. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record and the amount of the shortfall in relation to the principal and interest owed. The determination of the amount of the allowance calculated on individual loans considers either the present value of expected future cash flows discounted at the loan's effective interest rate or the estimated fair value of the collateral if the loan is collateral dependent. An allowance allocation is established for such loans in the amount their carrying value exceeds the present value of future cash flows; or, if collateral dependent, the amount their carrying value exceeds the collateral’s estimated fair value. The estimated fair values of substantially all of the Company's allowances on individual loans are measured based on the estimated fair value of the loan's collateral, and applicable loans are primarily found in two portfolios. First, for small business (“SBL”) commercial loans secured by real estate (primarily SBA), estimated fair values of collateral are determined primarily through third-party appraisals or evaluations. When a real estate secured loan is individually evaluated for a potential allowance for credit loss, a decision is made regarding whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations including the age of the most recent appraisal and the condition of the property. Appraised value, discounted by the estimated costs to sell the collateral, is considered to be the estimated fair value. For SBL commercial and industrial loans secured by non-real estate collateral, such as accounts receivable or inventory and equipment, estimated fair values are determined based on the borrower's financial statements, inventory reports, accounts receivable agings or equipment appraisals or invoices. Indications of value from these sources may be discounted based on the age of the financial information or the quality of the assets. Amounts guaranteed by the U.S. government are excluded from the Company’s allowance evaluations. Second, for leasing, fair values are determined utilizing authoritative industry sources such as Black Book. The CECL methodology and the loan analyses performed on individual loans described above comprise the components of the allowance for credit losses. On a quarterly basis, the allowance is adjusted to the total of those components through the provision for credit losses. The allowance for credit losses represents management's estimate of losses inherent in the loan and lease portfolio as of the consolidated balance sheet date and is recorded as a reduction to loans and leases. If the quarterly analysis of those two components exceeds the balance of the allowance for credit losses, the allowance is increased by the provision for credit losses. Loans deemed to be uncollectible are charged against the allowance for credit losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely. Because all identified losses are immediately charged off, no portion of the allowance for credit losses is restricted to any individual loan or groups of loans, and the entire allowance is available to absorb any and all loan losses. The evaluation of the adequacy of the allowance for credit losses includes, among other factors, an analysis of historical loss rates and qualitative judgments, applied to current loan totals over remaining estimated lives. However, actual future losses may vary compared to historical trends and estimated remaining lives may change over time. Actual losses on specified problem loans, may depend upon disposition of collateral for which actual sales prices may differ from appraisals. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available. Interest income is accrued as earned on a simple interest method. Accrual of interest is discontinued on a loan when management believes, after considering economic and business conditions and collection efforts, that the borrower’s financial condition is such that collection of interest is doubtful. When a loan is placed on non-accrual status, all accumulated accrued interest receivable applicable to periods prior to the current year is charged off to the allowance for credit losses. Interest that had accrued in the current year is reversed from current period income. Loans reported as having missed four or more consecutive monthly payments and still accruing interest must have both principal and accruing interest adequately secured and must be in the process of collection. Such loans are reported as 90 days delinquent and still accruing. For all loan types, the Company uses the method of reporting delinquencies which considers a loan past due or delinquent if a monthly payment has not been received by the close of business on the loan’s next due date. In the Company’s reporting, two missed payments are reflected as 30 to 59 day delinquencies and three missed payments are reflected as 60 to 89 day delinquencies. Loans which were originated from continuing operations and previously intended for sale in secondary markets, but which are now being held on the balance sheet as earning assets, are carried at estimated fair value and are excluded from the allowance analysis. Changes in fair value are recognized as unrealized gains or losses on commercial loans in the consolidated statements of operations. The Company originated and sold or securitized specific commercial mortgage loans in secondary markets through 2019, but in 2020 decided to retain these loans on its balance sheet. No further sales or securitizations are currently planned. These loans are accounted for under the fair value option and amounted to $ 589.1 million at December 31, 2022, and $ 1.39 billion at December 31, 2021. These loans are classified as commercial loans, at fair value. 5. Premises and Equipment Premises and equipment, including leasehold improvements, are stated at cost less accumulated depreciation. Depreciation expense is computed on the straight-line method over the useful lives of the assets. Leasehold improvements are depreciated over the shorter of the estimated useful lives of the improvements or the terms of the related leases. 6. Internal Use Software The Company capitalizes costs associated with internally developed and/or purchased software systems for new products and enhancements to existing products that have reached the application stage and meet recoverability tests. Capitalized costs include external direct costs of materials and services utilized in developing or obtaining internal use software and payroll and payroll related expenses for employees who are directly associated with, and devote time to, the internal use software project. Capitalization of such costs begins when the preliminary project stage is complete and ceases no later than the point at which the project is substantially complete and ready for its intended purpose. The carrying value of the Company’s software is periodically reviewed and a loss is recognized if the value of the estimated undiscounted cash flow benefit related to the asset falls below the unamortized cost. Amortization is provided using the straight-line method over the estimated useful life of the related software, which is generally seven years . As of December 31, 2022 and 2021, the Company had net capitalized software costs of approximately $ 5.6 million and $ 5.7 million, respectively. Net capitalized software is presented as part of other assets on the consolidated balance sheets. The Company recorded related amortization expense of approximately $ 2.0 million, $ 2.0 million and $ 2.4 million for the years ended December 31, 2022, 2021 and 2020, respectively. 7. Income Taxes The Company accounts for income taxes under the liability method whereby deferred tax assets and liabilities are determined based on the difference between their carrying values on the consolidated balance sheet and their tax basis as measured by the enacted tax rates which will be in effect when these differences reverse. Deferred tax expense (benefit) is the result of changes in deferred tax assets and liabilities. The Company recognizes the benefit of a tax position in the consolidated financial statements only after determining that the relevant tax authority would more likely than not sustain the position following an audit by the tax authority. For tax positions meeting the more likely than not threshold, the amount recognized in the consolidated financial statements is the largest benefit that has a greater than 50 percent likelihood of being realized upon ultimate settlement with the relevant tax authority. For these analyses, the Company may engage attorneys to provide opinions related to the positions. The Company applies this policy to all tax positions for which the statute of limitations remain open, but this application does not materially impact the Company’s consolidated balance sheet or consolidated statement of operations. Any interest or penalties related to uncertain tax positions are recognized in income tax expense (benefit) in the consolidated statement of operations. Deferred tax assets are recorded on the consolidated balance sheet at their net realizable value. The Company performs an assessment each reporting period to evaluate the amount of the deferred tax asset it is more likely than not to realize. Realization of deferred tax assets is dependent upon the amount of taxable income expected in future periods, as tax benefits require taxable income to be realized. If a valuation allowance is required, the deferred tax asset on the consolidated balance sheet is reduced via a corresponding income tax expense in the consolidated statement of operations. 8. Share-Based Compensation The Company recognizes compensation expense for stock options and restricted stock units (“RSUs”) in accordance with Accounting Standards Codification (“ASC”) 718, Stock Based Compensation . The fair value of the option or restricted stock unit (“RSU”) is generally measured on the grant date with compensation expense recognized over the service period, which is usually the stated vesting period. For options subject to a service condition, the Company utilizes the Black-Scholes option-pricing model to estimate the fair value on the date of grant. The Black-Scholes model takes into consideration the exercise price and expected life of the options, the current price of the underlying stock and its expected volatility, the expected dividends on the stock and the current risk-free interest rate for the expected life of the option. The Company’s estimate of the fair value of a stock option is based on expectations derived from historical experience and may not necessarily equate to its market value when fully vested. In accordance with ASC 718, the Company estimates the number of options for which the requisite service is expected to be rendered. 9. Other Real Estate Owned Other real estate owned is recorded at estimated fair market value less cost of disposal; which establishes a new cost basis or carrying value. When property is acquired, the excess, if any, of the loan balance over fair market value is charged to the allowance for credit losses. Periodically thereafter, the asset is reviewed for subsequent declines in the estimated fair market value against the carrying value. Subsequent declines, if any, and holding costs, as well as gains and losses on subsequent sale, are included in the consolidated statements of operations. T he Company had $ 21.2 million of other real estate owned at December 31, 2022 and at $ 18.9 million December 31, 2021. 10. Advertising Costs The Company expenses advertising and marketing costs as incurred. Advertising and marketing costs amounted to $ 1.2 million, $ 1.6 million and $ 1.3 million for the years ended December 31, 2022, 2021 and 2020, respectively. Advertising and marketing expense is reflected under “other” in the non-interest expense section of the consolidated statements of operations. 11. Earnings Per Share The Company calculates earnings per share under ASC 260, Earnings Per Share . Basic earnings per share exclude dilution and are computed by dividing income available to common shareholders by the weighted average common shares outstanding during the period. Diluted earnings per share takes into account the potential dilution that could occur if securities, including stock options and RSUs or other contracts to issue common stock were exercised and converted into common stock. Stock options are dilutive if exercise prices are less than current stock prices. RSUs are dilutive because they represent grants over vesting periods which do not require employees to pay exercise prices. The dilution shown in the tables below includes the potential dilution from both stock options and RSUs. The following tables show the Company’s earnings per share for the periods presented: Year ended December 31, 2022 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share Net earnings available to common shareholders $ 130,213 56,556,303 $ 2.30 Effect of dilutive securities Common stock options and restricted stock units — 712,643 ( 0.03 ) Diluted earnings per share Net earnings available to common shareholders $ 130,213 57,268,946 $ 2.27 Stock options for 480,104 shares, exercisable at prices between $ 6.87 and $ 18.81 per share, were outstanding at December 31, 2022 and included in the dilutive earnings per share computation because the exercise price per share was less than the average market price. Stock options for 100,000 shares were anti-dilutive and not included in the earnings per share calculation. Year ended December 31, 2021 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share from continuing operations Net earnings available to common shareholders $ 110,441 57,190,311 $ 1.93 Effect of dilutive securities Common stock options and restricted stock units — 1,640,126 ( 0.05 ) Diluted earnings per share Net earnings available to common shareholders $ 110,441 58,830,437 $ 1.88 Year ended December 31, 2021 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share from discontinued operations Net earnings available to common shareholders $ 212 57,190,311 $ — Effect of dilutive securities Common stock options and restricted stock units — 1,640,126 — Diluted earnings per share Net earnings available to common shareholders $ 212 58,830,437 $ — Year ended December 31, 2021 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share Net earnings available to common shareholders $ 110,653 57,190,311 $ 1.93 Effect of dilutive securities Common stock options and restricted stock units — 1,640,126 ( 0.05 ) Diluted earnings per share Net earnings available to common shareholders $ 110,653 58,830,437 $ 1.88 Stock options for 450,104 shares, exercisable at prices between $ 6.87 and $ 18.81 per share, were outstanding at December 31, 2021 and included in the dilutive earnings per share computation because the exercise price per share was less than the average market price. Stock options for 100,000 shares were anti-dilutive and not included in the earnings per share calculation. Year ended December 31, 2020 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share from continuing operations Net earnings available to common shareholders $ 80,596 57,474,612 $ 1.40 Effect of dilutive securities Common stock options and restricted stock units — 936,610 ( 0.02 ) Diluted earnings per share Net earnings available to common shareholders $ 80,596 58,411,222 $ 1.38 Year ended December 31, 2020 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic loss per share from discontinued operations Net loss $ ( 512 ) 57,474,612 $ ( 0.01 ) Effect of dilutive securities Common stock options and restricted stock units — 936,610 — Diluted loss per share Net loss $ ( 512 ) 58,411,222 $ ( 0.01 ) Year ended December 31, 2020 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share Net earnings available to common shareholders $ 80,084 57,474,612 $ 1.39 Effect of dilutive securities Common stock options and restricted stock units — 936,610 ( 0.02 ) Diluted earnings per share Net earnings available to common shareholders $ 80,084 58,411,222 $ 1.37 Stock options for 1,056,604 shares, exercisable at prices between $ 6.75 and $ 8.57 per share, were outstanding at December 31, 2020 and included in the dilutive earnings per share computation because the exercise price per share was less than the average market price. Stock options for 105,000 shares were anti-dilutive and not included in the earnings per share calculation. 12. Restrictions on Cash and Due from Banks Historically, the Bank has been required to maintain reserves against customer demand deposits by keeping cash on hand or balances with the FRB. As a result of the pandemic, the requirement for such reserves has been at least temporarily suspended. Accordingly, the amounts of those required reserves was approximately zero at both December 31, 2022 and 2021. 13. Other Identifiable Intangible Assets In May 2016, the Company purchased approximately $ 60.0 million of lease receivables which resulted in a customer list intangible of $ 3.4 million which is being amortized over a 10 -year period. Amortization expense is $ 340,000 per year ($ 1.1 million over the next five years). The gross carrying value is $ 3.4 million with respective accumulated amortization of $ 2.3 million and $ 1.9 million at December 31, 2022 and December 31, 2021. The purchase price allocation related to this intangible was finalized in 2017 and remained unchanged from the purchase price allocation recorded in 2016 when the purchase was made. In January 2020, the Company purchased McMahon Leasing and subsidiaries for approximately $ 8.7 million which resulted in $ 1.1 million of intangibles. The gross carrying value of $ 1.1 million of intangibles was comprised of a customer list intangible of $ 689,000 , goodwill of $ 263,000 and a trade name valuation of $ 135,000 . The customer list intangible is being amortized over a 12 year period and accumulated amortization was $ 172,000 at December 31, 2022. Amortization expense is $ 57,000 per year ($ 287,000 over the next five years). The gross carrying value and accumulated amortization related to the Company’s intangibles at December 31, 2022 and 2021 are presented below. December 31, 2022 2021 Gross Gross Carrying Accumulated Carrying Accumulated Amount Amortization Amount Amortization (in thousands) Customer list intangibles $ 4,093 $ 2,442 $ 4,093 $ 2,044 Goodwill 263 — 263 — Trade Name 135 — 135 — Total $ 4,491 $ 2,442 $ 4,491 $ 2,044 The approximate future annual amortization of both the Company’s intangible items are as follows (in thousands): Year ending December 31, 2023 $ 398 2024 398 2025 398 2026 173 2027 57 Thereafter 227 $ 1,651 14. Derivative Financial Instruments The Company has utilized derivatives to hedge interest rate risk on fixed rate loans which are accounted for and recorded on the consolidated balance sheets at fair value. Changes in the fair value of these derivatives, designated as fair value hedges, are recorded in earnings with and in the same consolidated income statement line item as changes in the fair value of the related hedged item, “Net realized and unrealized gains (losses) on commercial loans (at fair value)”. Related loans are no longer held-for-sale, but continue to be accounted for at their estimated fair value. As the Company is no longer originating fixed rate loans for sale, it is no longer entering into new hedges. The Company has left existing hedges in place to provide interest rate protection against a higher rate environment. 15. Common Stock Repurchase Program In 2020, the Company’s Board of Directors (“the “Board”) authorized a common stock repurchase program (the “2021 Common Stock Repurchase Program”) under which it purchased $ 10.0 million of shares in each quarter of 2021. The total of $ 40.0 million resulted in the repurchase of 1,835,061 shares of common stock at an average price of $ 21.80 per share. On October 20, 2021, the Board approved a revised stock repurchase program for 2022 (the “2022 Common Stock Repurchase Program”) under which it purchased $ 15.0 million of shares in each quarter of 2022. The total

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2022
Subsequent Events [Abstract]
Subsequent Events	Note C— Subsequent Events, The Company evaluated its December 31, 2022 consolidated financial statements for subsequent events through the date the consolidated financial statements were issued. Pursuant to a stock repurchase plan described in Note J, the Company repurchased 522,205 common shares in January 2023 through February 21, 2023, at a total cost of $ 16.6 million and an average price of $ 31.87 per share.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2022
Investment Securities [Abstract]
Investment Securities	Note D—Investment Securities In March 2020, the Company transferred the four securities previously comprising its held-to-maturity securities portfolio to available-for-sale. The interest rates for these securities utilize the LIBOR as a benchmark and were permitted to be transferred by a provision of ASU 2020-04, to maximize management and accounting flexibility as a result of the phase-out of LIBOR. The amortized cost, gross unrealized gains and losses and fair values of the Company’s investment securities classified as available-for-sale are summarized as follows (in thousands): Available-for-sale December 31, 2022 Gross Gross Amortized unrealized unrealized Fair cost gains losses value U.S. Government agency securities $ 29,859 $ 17 $ ( 1,495 ) $ 28,381 Asset-backed securities * 343,885 — ( 9,876 ) 334,009 Tax-exempt obligations of states and political subdivisions 3,560 — ( 61 ) 3,499 Taxable obligations of states and political subdivisions 45,668 52 ( 1,709 ) 44,011 Residential mortgage-backed securities 150,135 148 ( 10,463 ) 139,820 Collateralized mortgage obligation securities 43,858 — ( 2,075 ) 41,783 Commercial mortgage-backed securities 179,977 — ( 13,164 ) 166,813 Corporate debt securities 10,000 — ( 2,300 ) 7,700 $ 806,942 $ 217 $ ( 41,143 ) $ 766,016 December 31, 2022 Gross Gross Amortized unrealized unrealized Fair * Asset-backed securities as shown above cost gains losses value Federally insured student loan securities $ 8,488 $ — $ ( 144 ) $ 8,344 Collateralized loan obligation securities 335,397 — ( 9,732 ) 325,665 $ 343,885 $ — $ ( 9,876 ) $ 334,009 Available-for-sale December 31, 2021 Gross Gross Amortized unrealized unrealized Fair cost gains losses value U.S. Government agency securities $ 36,182 $ 1,167 $ ( 47 ) $ 37,302 Asset-backed securities * 360,332 327 ( 241 ) 360,418 Tax-exempt obligations of states and political subdivisions 3,559 172 — 3,731 Taxable obligations of states and political subdivisions 45,984 2,422 — 48,406 Residential mortgage-backed securities 179,778 4,804 ( 281 ) 184,301 Collateralized mortgage obligation securities 60,778 1,083 — 61,861 Commercial mortgage-backed securities 248,599 4,106 ( 1,629 ) 251,076 Corporate debt securities 10,000 — ( 3,386 ) 6,614 $ 945,212 $ 14,081 $ ( 5,584 ) $ 953,709 December 31, 2021 Gross Gross Amortized unrealized unrealized Fair * Asset-backed securities as shown above cost gains losses value Federally insured student loan securities $ 22,518 $ 13 $ ( 73 ) $ 22,458 Collateralized loan obligation securities 337,814 314 ( 168 ) 337,960 $ 360,332 $ 327 $ ( 241 ) $ 360,418 The amortized cost and fair value of the Company’s investment securities at December 31, 2022, by contractual maturity are shown below (in thousands). Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Available-for-sale Amortized Fair cost value Due before one year $ 17,722 $ 17,583 Due after one year through five years 143,612 136,899 Due after five years through ten years 236,414 228,035 Due after ten years 409,194 383,499 $ 806,942 $ 766,016 In 2020, the Company began pledging loans to collateralize its line of credit with the FHLB, as described in Note E and had no securities pledged against that line at December 31, 2022 and December 31, 2021. There were no gross realized gains on sales of securities for each of the years ended December 31, 2022, 2021 and 2020. R ealized losses on securities sales were $ 6,000 and $ 7,000 , respectively, for the years ended December 31, 2022 and December 31, 2021. There were no realized losses on securities sales for the year ended December 31, 2020. Investment securities fair values are based on a fair market value supplied by a third-party market data provider when available. If not available, prices provided by securities dealers with expertise in the securities being evaluated may also be utilized. When such market information is not available, fair values are based on the present value of cash flows, which discounts expected cash flows from principal and interest using yield to maturity at the measurement date. CECL accounting was adopted in 2020, and requires that an allowance for credit losses be established through a charge to the income statement to recognize credit deterioration. The charge may be reversed should credit improve in the future. Prior accounting required recognition of losses of other-than temporary-impairment, which could not be reversed in future periods. The Company periodically reviews its investment portfolio to determine whether an allowance for credit losses is warranted, based on evaluations of the creditworthiness of the issuers/guarantors, the underlying collateral if applicable and the continuing performance of the securities. The Company did no t recognize credit charges in 2022, 2021 or 2020. Investments in FHLB, Atlantic Central Bankers Bank (“ACBB”) , and Federal Reserve Bank stock are recorded at cost and amounted to $ 12.6 million at December 31, 2022 and $ 1.7 million at December 31, 2021. At those dates, ACBB stock amounted to $ 40,000 . The Bank’s conversion to a national charter required the purchase of $ 11.0 million of Federal Reserve Bank stock in September of 2022. The amount of FHLB stock required to be held is based on the amount of borrowings, and after repayment thereof, the stock may be redeemed . The table below indicates the length of time individual securities had been in a continuous unrealized loss position at December 31, 2022 (in thousands): Available-for-sale Less than 12 months 12 months or longer Total Number of securities Fair Value Unrealized losses Fair Value Unrealized losses Fair Value Unrealized losses Description of Securities U.S. Government agency securities 12 $ 19,523 $ ( 1,461 ) $ 2,269 $ ( 34 ) $ 21,792 $ ( 1,495 ) Asset-backed securities 55 125,938 ( 3,027 ) 208,071 ( 6,849 ) 334,009 ( 9,876 ) Tax-exempt obligations of states and political subdivisions 4 3,499 ( 61 ) — — 3,499 ( 61 ) Taxable obligations of states and political subdivisions 26 39,710 ( 1,709 ) — — 39,710 ( 1,709 ) Residential mortgage-backed securities 135 101,685 ( 6,198 ) 28,843 ( 4,265 ) 130,528 ( 10,463 ) Collateralized mortgage obligation securities 22 41,456 ( 2,057 ) 327 ( 18 ) 41,783 ( 2,075 ) Commercial mortgage-backed securities 43 124,953 ( 7,683 ) 41,860 ( 5,481 ) 166,813 ( 13,164 ) Corporate debt securities 1 — — 7,700 ( 2,300 ) 7,700 ( 2,300 ) Total unrealized loss position investment securities 298 $ 456,764 $ ( 22,196 ) $ 289,070 $ ( 18,947 ) $ 745,834 $ ( 41,143 ) The table below indicates the length of time individual securities had been in a continuous unrealized loss position at December 31, 2021 (in thousands): Available-for-sale Less than 12 months 12 months or longer Total Number of securities Fair Value Unrealized losses Fair Value Unrealized losses Fair Value Unrealized losses Description of Securities U.S. Government agency securities 2 $ — $ — $ 2,700 $ ( 47 ) $ 2,700 $ ( 47 ) Asset-backed securities 42 243,598 ( 235 ) 1,197 ( 6 ) 244,795 ( 241 ) Residential mortgage-backed securities 30 21,640 ( 159 ) 5,160 ( 122 ) 26,800 ( 281 ) Commercial mortgage-backed securities 12 3,334 ( 43 ) 91,355 ( 1,586 ) 94,689 ( 1,629 ) Corporate debt securities 1 — — 6,614 ( 3,386 ) 6,614 ( 3,386 ) Total unrealized loss position investment securities 87 $ 268,572 $ ( 437 ) $ 107,026 $ ( 5,147 ) $ 375,598 $ ( 5,584 ) The Company owns one single issuer trust preferred security issued by an insurance company. The security is not rated by any bond rating service. At December 31, 2022, it had a book value of $ 10.0 million and a fair value of $ 7.7 million. The Company has evaluated the securities in the above tables as of December 31, 2022 and has concluded that none of these securities required an allowance for credit loss. The Company evaluates whether an allowance for credit loss is required by considering primarily the following factors: (a) the extent to which the fair value is less than the amortized cost of the security, (b) changes in the financial condition, credit rating and near-term prospects of the issuer, (c) whether the issuer is current on contractually obligated interest and principal payments, (d) changes in the financial condition of the security’s underlying collateral and (e) the payment structure of the security. The Company’s determination of the best estimate of expected future cash flows, which is used to determine the credit loss amount, is a quantitative and qualitative process that incorporates information received from third-party sources along with internal assumptions and judgments regarding the future performance of the security. The Company concluded that the securities that are in an unrealized loss position are in a loss position because of changes in market interest rates after the securities were purchased. The Company’s unrealized loss for other debt securities, which include one single issuer trust preferred security, is primarily related to general market conditions, including a lack of liquidity in the market. The severity of the impact of fair value in relation to the carrying amounts of the individual investments is consistent with market developments. The Company’s analysis of each investment is performed at the security level. As a result of its review, the Company concluded that an allowance was not required to recognize credit losses.

Loans

Loans	12 Months Ended
	Dec. 31, 2022
Loans [Abstract]
Loans	Note E — Loans The Company has several lending lines of business including: small business comprised primarily of SBA loans; direct lease financing primarily for commercial vehicles and to a lesser extent equipment; SBLOC collateralized by marketable securities; IBLOC collateralized by the cash value of eligible life insurance policies; and investment advisor financing for purposes of debt refinance, acquisition of another firm or internal succession . Prior to 2020, the Company also originated commercial real estate loans for sale into securitizations or to secondary government guaranteed loan markets. At origination, the Company elected fair value treatment for these loans as they were originally held-for-sale, to better reflect the economics of the transactions. Currently, the Company intends to hold these loans on its balance sheet, and thus no longer classifies these loans as held-for-sale. The Company continues to present these loans at fair value. At December 31, 2022 and 2021, the fair value of these loans was $ 589.1 million and $ 1.39 billion, respectively, and the amortized cost was $ 589.8 million and $ 1.39 billion, respectively. Included in the “Net realized and unrealized gains (losses) on commercial loans (at fair value)” in the consolidated statement of operations were net changes in fair value of such loans resulting in an unrealized loss of $ 6.1 million in 2022, an unrealized gain of $ 285,000 in 2021 and an unrealized loss of $ 3.6 million in 2020. These amounts include unrealized credit related losses of $ 7.7 million, $ 201,000 and $ 1.0 million, respectively, in 2022, 2021 and 2020. Interest earned on loans held at fair value during the period held is recorded in Interest Income – Loans, including fees in the consolidated statements of operations. Included in the $ 6.1 million loss in 2022 was a $ 4.0 million third quarter unrealized loss to reflect a write-down to a September 2022 appraisal, less estimated disposition costs, of a $ 9.5 million loan. The loan, collateralized by a movie theater, had been current and performing but missed its August 2022 payment, and the tenant ceased operations in that month. Additionally, during the third quarter of 2022, the parent company of the theater chain declared bankruptcy and filed a motion to reject the lease at the property. The loan was previously measured based on its scheduled contractual cash flows, discounted at a market rate. However, based on the events occurring during the third quarter and the likelihood of foreclosure, the estimated fair value of the loan at September 30, 2022 was determined to equal the fair value of the theater based on the aforementioned new appraisal, less the estimated cost of disposition. In the fourth quarter of 2022, foreclosure occurred, and the loan was transferred to other real estate owned. Accordingly, at December 31, 2022 the property was recorded at $ 4.7 in other real estate owned on the balance sheet based upon its new appraised value. The loan represented the only movie theater loan in the Company’s portfolios and was originated in 2015, before non-SBA commercial loan originations were primarily comprised of apartment building loans. Of the $ 2.11 billion of non-SBA commercial loans, at fair value and REBL loans which together comprise the non-SBA CRE portfolios, $ 2.02 billion are comprised of apartment building loans. In the third quarter of 2021, the Company resumed the origination of such loans which it also intends to hold for investment and which are accounted for at amortized cost. They are captioned as real estate bridge lending, (“REBL”) as they are transitional commercial mortgage loans which are made to improve and rehabilitate existing properties which already have cash flow. The Bank pledged the majority of its loans held for investment at amortized cost and commercial loans, at fair value to either the Federal Home Loan Bank or the Federal Reserve Bank for lines of credit with those institutions. The Federal Home Loan Bank line is periodically utilized to manage liquidity, but the Federal Reserve line had historically not been used prior to the pandemic. However, in light of the impact of the COVID-19 pandemic, the Federal Reserve has encouraged banks to utilize their lines to maximize the amount of funding available for credit markets. Accordingly, the Bank has periodically borrowed against its Federal Reserve line on an overnight basis. The amount of loans pledged varies and the collateral may be unpledged at any time to the extent the collateral exceeds advances. The lines are maintained consistent with the Bank’s liquidity policy which maximizes potential liquidity. At December 31, 2022, $ 2.00 billion of loans were pledged to the Federal Reserve and $ 1.30 billion of loans were pledged to the Federal Home Loan Bank. There were no balances against these lines at that date. Prior to 2020, the Company sponsored the structuring of commercial mortgage loan securitizations, and in 2020, the Company decided not to pursue additional securitizations. The loans previously sold to the commercial mortgage-backed securitizations were transitional commercial mortgage loans made to improve and rehabilitate existing properties which already have cash flow. Servicing rights were not retained. Each of the securitizations is considered a variable interest entity of which the Company is not the primary beneficiary. Further, true sale accounting has been applicable to each of the securitizations, as supported by a review performed by an independent third-party consultant. In each of the securitizations, the Company obtained a tranche of certificates which are accounted for as available-for-sale debt securities. The securities were recorded at fair value at acquisition, which was determined by an independent third-party based on the discounted cash flow method using unobservable (level 3) inputs. Of the six securities the Company owned resulting from these securitizations all have been repaid except those from CRE-2. As of December 31, 2022, the principal balance of the security the Company owned issued by CRE-2 was $ 12.6 million. Repayment is expected from the workout or disposition of commercial real estate collateral, after repayment of the one remaining senior tranche. The $ 12.6 million security has 50 % excess credit support; thus, losses of 50 % of remaining security balances would have to be incurred, prior to any loss on the Company’s security. Additionally, the commercial real estate collateral properties supporting the three remaining loans were re-appraised between 2020 and 2022. The updated appraised value is approximately $ 57.3 million, net of $ 1.7 million due to the servicer. The remaining principal to be repaid on all securities is approximately $ 58.1 million and, as noted, the security is scheduled to be repaid prior to 50 % of the outstanding securities. However, any future reappraisals could result in further decreases in collateral valuation. While available information indicates that the value of existing collateral will be adequate to repay the security, there can be no assurance that such valuations will be realized upon loan resolutions, and that deficiencies will not exceed the 50 % credit support. Of the remaining three loans, the property collateral for two of the loans is expected to be liquidated through sale. The third loan was originally extended two years to June of 2022 and terms have not yet been reached for another extension, thus putting the loan in maturity default. If not extended by the special servicer, the property will be foreclosed and sold. The property was appraised at $ 25.9 million July 2022 with total exposure in the security of $ 25.0 million. A recent broker opinion of property liquidation value was $ 20.9 million. The existing 50 % credit enhancement continues to provide repayment protection for the Company owned tranche while the servicer continues to advance interest, keeping the CRE-2 security current. The Company analyzes credit risk prior to making loans, on an individual loan basis. The Company considers relevant aspects of the borrowers’ financial position and cash flow, past borrower performance, management’s knowledge of market conditions, collateral and the ratio of the loan amount to estimated collateral value in making its credit determinations. For SBLOC the Company relies on the market value of the underlying securities collateral as adjusted by margin requirements, generally 50 % for equities and 80 % for investment grade securities. For IBLOC, the Company relies on the cash value of insurance policy collateral. Major classifications of loans, excluding commercial loans, at fair value, are as follows (in thousands): December 31, December 31, 2022 2021 SBL non-real estate $ 108,954 $ 147,722 SBL commercial mortgage 474,496 361,171 SBL construction 30,864 27,199 Small business loans 614,314 536,092 Direct lease financing 632,160 531,012 SBLOC / IBLOC * 2,332,469 1,929,581 Advisor financing ** 172,468 115,770 Real estate bridge lending 1,669,031 621,702 Other loans*** 61,679 5,014 5,482,121 3,739,171 Unamortized loan fees and costs 4,732 8,053 Total loans, net of unamortized loan fees and costs $ 5,486,853 $ 3,747,224 December 31, December 31, 2022 2021 SBL loans, including costs net of deferred fees of $ 7,327 and $ 5,345 for December 31, 2022 and December 31, 2021, respectively $ 621,641 $ 541,437 SBL loans included in commercial loans, at fair value 146,717 199,585 Total small business loans **** $ 768,358 $ 741,022 * Securities Backed Lines of Credit, or SBLOC, are collateralized by marketable securities, while Insurance Backed Lines of Credit, or IBLOC, are collateralized by the cash surrender value of life insurance policies. At December 31, 2022 and December 31, 2021, respectively, IBLOC loans amounted to $ 1.12 billion and $ 788.3 million. ** In 2020, the Bank began originating loans to investment advisors for purposes of debt refinance, acquisition of another firm or internal succession. Maximum loan amounts are subject to 70 % of the estimated business enterprise value, based on a third-party valuation, but may be increased depending upon the debt service coverage ratio. Personal guarantees and blanket business liens are obtained as appropriate. *** Included in the table above under Other loans are demand deposit overdrafts reclassified as loan balances totaling $ 2.6 million and $ 322,000 at December 31, 2022 and December 31, 2021, respectively. Estimated overdraft charge-offs and recoveries are reflected in the allowance for credit losses and have been immaterial. December 31, 2022 includes $ 50.4 million of balances previously included in discontinued assets, including $ 18.8 million of residential mortgage loans, with the balance comprised of commercial loans. **** The small business loans held at fair value are comprised of the government guaranteed portion of SBA 7a loans at the dates indicated (in thousands). The following table provides information about loans individually evaluated for credit loss at December 31, 2022 and 2021 (in thousands): December 31, 2022 Recorded investment Unpaid principal balance Related allowance Average recorded investment Interest income recognized Without an allowance recorded SBL non-real estate $ 400 $ 2,762 $ — $ 388 $ — SBL commercial mortgage — — — 45 — Direct lease financing — — — 52 — Legacy commercial real estate 3,552 3,552 — 1,421 150 Consumer - home equity 295 295 — 306 9 With an allowance recorded SBL non-real estate 974 974 ( 525 ) 1,237 7 SBL commercial mortgage 1,423 1,423 ( 441 ) 1,090 — SBL construction 3,386 3,386 ( 153 ) 1,245 — Direct lease financing 3,550 3,550 ( 933 ) 710 — Other loans 692 692 ( 15 ) 1,923 — Total SBL non-real estate 1,374 3,736 ( 525 ) 1,625 7 SBL commercial mortgage 1,423 1,423 ( 441 ) 1,135 — SBL construction 3,386 3,386 ( 153 ) 1,245 — Direct lease financing 3,550 3,550 ( 933 ) 762 — Legacy commercial real estate and Other loans 4,244 4,244 ( 15 ) 3,344 150 Consumer - home equity 295 295 — 306 9 $ 14,272 $ 16,634 $ ( 2,067 ) $ 8,417 $ 166 December 31, 2021 Recorded investment Unpaid principal balance Related allowance Average recorded investment Interest income recognized Without an allowance recorded SBL non-real estate $ 409 $ 3,414 $ — $ 412 $ 5 SBL commercial mortgage 223 246 — 1,717 — Direct lease financing 254 254 — 430 — Consumer - home equity 320 320 — 458 8 With an allowance recorded SBL non-real estate 1,478 1,478 ( 829 ) 2,267 13 SBL commercial mortgage 589 589 ( 115 ) 2,634 — SBL construction 710 710 ( 34 ) 711 — Direct lease financing — — — 132 — Consumer - other — — — 5 — Total SBL non-real estate 1,887 4,892 ( 829 ) 2,679 18 SBL commercial mortgage 812 835 ( 115 ) 4,351 — SBL construction 710 710 ( 34 ) 711 — Direct lease financing 254 254 — 562 — Consumer - other — — — 5 — Consumer - home equity 320 320 — 458 8 $ 3,983 $ 7,011 $ ( 978 ) $ 8,766 $ 26 The l oan r eview department recommend s n on-accrual status for loans to the surveillance committee, where interest income appears to be uncollectible or a protracted delay in collection becomes evident. The surveillance committee further vets and approves the non-accrual status. The following table summarizes non-accrual loans with and without an allowance for credit losses (“ACL”) as of the periods indicated (in thousands): December 31, 2022 December 31, 2021 Non-accrual loans with a related ACL Non-accrual loans without a related ACL Total non-accrual loans Total non-accrual loans SBL non-real estate $ 849 $ 400 $ 1,249 $ 1,313 SBL commercial mortgage 1,423 — 1,423 812 SBL construction 3,386 — 3,386 710 Direct leasing 3,550 — 3,550 254 Other loans 692 — 692 — Consumer - home equity — 56 56 72 $ 9,900 $ 456 $ 10,356 $ 3,161 The Company had $ 21.2 million of other real estate owned at December 31, 2022 , and $ 18.9 million of other real estate owned at December 31, 2021. The following table summarizes the Company’s non-accrual loans, loans past due 90 days or more, and other real estate owned at December 31, 2022, and 2021, respectively: December 31, 2022 2021 (in thousands) Non-accrual loans SBL non-real estate $ 1,249 $ 1,313 SBL commercial mortgage 1,423 812 SBL construction 3,386 710 Direct leasing 3,550 254 Other loans 692 — Consumer - home equity 56 72 Total non-accrual loans 10,356 3,161 Loans past due 90 days or more and still accruing 7,775 461 Total non-performing loans 18,131 3,622 Other real estate owned 21,210 18,873 Total non-performing assets $ 39,341 $ 22,495 Of the $ 10.4 million of nonaccrual loans at December 31, 2022, $ 3.1 million were guaranteed under various SBA loan programs, with the majority of such loans classified as nonaccrual in the fourth quarter of 2022. The majority of the balance of the nonaccrual increase in 2022, also occurred in the fourth quarter and reflected one leasing relationship for $ 3.1 million representing 78 vehicles. A specific reserve of $ 630,000 in the allowance for credit losses was established in that quarter based upon a deficiency between the carrying value and estimated market value of those vehicles. The increase in loans past due 90 days and still accruing reflects $ 2.0 million for an IBLOC loan which is in process of pay-off from the cash value of life insurance, and $ 878,000 from an SBLOC loan which was brought current in January 2023. To the extent that IBLOC loans become non-performing or are not repaid by borrowers, the Bank can utilize the cash value of related life insurance collateral for loan repayment. Similarly, marketable securities collateralizing SBLOC loans may be sold to repay those loans. Interest which would have been earned on loans classified as non-accrual at December 31, 2022 and 2021, was $ 224,000 and $ 186,000 , respectively. No income on non-accrual loans was recognized during 2022 or 2021. In 2022, $ 139,000 of SBL commercial mortgage, $ 109,000 of SBL construction, $ 100,000 of SBL non-real estate, and $ 23,000 of direct leasing were reversed from interest income, which represented interest accrued on loans placed into non-accrual status during the period. In 2021, $ 26,000 of SBL commercial mortgage, $ 8,000 of SBL non-real estate, and $ 5,000 of direct leasing were reversed from interest income, which represented interest accrued on loans placed into non-accrual status during the period. Material amounts of non-accrual interest reversals are charged to the allowance for credit losses, but such amounts were not material in either 2022 or 2021. The Company’s loans that were modified as of December 31, 2022 and 2021 and considered troubled debt restructurings are as follows (in thousands): December 31, 2022 December 31, 2021 Number Pre-modification recorded investment Post-modification recorded investment Number Pre-modification recorded investment Post-modification recorded investment SBL non-real estate 8 $ 650 $ 650 9 $ 1,231 $ 1,231 SBL commercial mortgage 1 834 834 — — — Legacy commercial real estate 1 3,552 3,552 — — — Consumer - home equity 1 239 239 1 248 248 Total (1) 11 $ 5,275 $ 5,275 10 $ 1,479 $ 1,479 (1) Troubled debt restructurings include non-accrual loans of $ 1.4 million and $ 656,000 at December 31, 2022 and December 31, 2021, respectively. The balances below provide information as to how the loans were modified as troubled debt restructured loans at December 31, 2022 and 2021 (in thousands): December 31, 2022 December 31, 2021 Adjusted interest rate Extended maturity Combined rate and maturity Adjusted interest rate Extended maturity Combined rate and maturity SBL non-real estate $ — $ — $ 650 $ — $ — $ 1,231 SBL commercial mortgage — — 834 — — — Legacy commercial real estate — — 3,552 — — — Consumer - home equity — — 239 — — 248 Total (1) $ — $ — $ 5,275 $ — $ — $ 1,479 (1) Troubled debt restructurings include non-accrual loans of $ 1.4 million and $ 656,000 at December 31, 2022 and December 31, 2021, respectively. The Company had no commitments to extend additional credit to loans classified as troubled debt restructurings as of either December 31, 2022 or 2021 . When loans are classified as troubled debt restructurings, the Company estimates the value of underlying collateral and repayment sources. A specific reserve in the allowance for credit losses is established if the collateral valuation, less estimated disposition costs, is lower than the recorded loan value. The amount of the specific reserve serves to increase the provision for credit losses in the quarter the loan is classified as a troubled debt restructuring . As of December 31, 2022, there were eleven troubled debt restructured loans with a balance of $ 5.3 million which had specific reserves of $ 637,000 . Substantially all of these reserves related to the non-guaranteed portion of SBA loans for start-up businesses. The following table summarizes loans that were restructured within the 12 months ended December 31, 2022 that have subsequently defaulted (in thousands). December 31, 2022 Number Pre-modification recorded investment SBL non-real estate 3 $ 1,029 Total 3 $ 1,029 Management estimates the allowance for credit losses using relevant available internal and external historical loan performance information, current economic conditions, and reasonable and supportable forecasts. Historical credit loss experience provides the initial basis for the estimation of expected credit losses over the estimated remaining life of the loans. The methodology used in the estimation of the allowance, which is performed at least quarterly, is designed to be responsive to changes in portfolio credit quality and the impact of current and future economic conditions on loan performance. The review of the appropriateness of the allowance is performed by the Chief Credit Officer and presented to the Audit Committee of the Company’s Board of Directors for their review. With the exception of SBLOC and IBLOC, which utilize probability of loss/loss given default, and the other loan category, which uses discounted cash flow to determine a reserve, the allowances for other categories are determined by establishing reserves on loan pools with similar risk characteristics based on a lifetime loss-rate model, or vintage analysis, as described in the following paragraph. Loans that do not share risk characteristics are evaluated on an individual basis. If foreclosure is believed to be probable or repayment is expected from the sale of the collateral, a reserve for deficiency is established within the allowance. Those reserves are estimated based on the difference between loan principal and the estimated fair value of the collateral, adjusted for estimated disposition costs . Except for SBLOC, IBLOC and other loans as noted above, for purposes of determining the pool-basis reserve, the loans not assigned an individual reserve are segregated by product type, to recognize differing risk characteristics within portfolio segments, and an average historical loss rate is calculated for each product type. Loss rates are computed by classifying net charge-offs by year of loan origin, and dividing into total originations for that specific year. This methodology is referred to as vintage analysis. The average loss rate is then projected over the estimated remaining loan lives unique to each loan pool, to determine estimated lifetime losses. For SBLOC and IBLOC, since significant losses have not been incurred, probability of loss/loss given default considerations are utilized. For the other loan category discounted cash flow is utilized to determine a reserve. For all loan pools the Company considers the need for an additional allowance based upon qualitative factors such as the Company’s current loan performance statistics as determined by pool. These qualitative factors are intended to account for forward looking expectations over a twelve to eighteen month period not reflected in historical loss rates and otherwise unaccounted for in the quantitative process. Accordingly, such factors may increase or decrease the allowance compared to historical loss rates as the Company’s forward looking expectations change. The qualitative factor percentages are applied against the pool balances as of the end of the period. Aside from the qualitative adjustments to account for forward looking expectations of loss over a twelve to eighteen month projection period, the balance of the allowance reverts directly to the Company’s quantitative analysis derived from its historical loss rates. The qualitative and historical loss rate component, together with the allowances on specific loans, comprise the total allowances for credit losses. A similar process is employed to calculate an allowance assigned to off-balance sheet commitments, which are comprised of unfunded loan commitments and letters of credit. That allowance for unfunded commitments is recorded in other liabilities. Even though portions of the allowance may be allocated to loans that have been individually measured for credit deterioration, the entire allowance is available for any credit that, in management’s judgment, should be charged off . At December 31, 2022, the allowance for off-balance sheet commitments amounted to $ 2.8 million and the allowance for credit losses amounted to $ 22.4 million for total allowances of $ 25.1 million. Of the $ 25.1 million, $ 10.0 million of allowances resulted from the Company’s historical charge-off ratios, $ 2.1 million from reserves on specific loans, with the balance comprised of the qualitative component. The $ 10.0 million resulted primarily from SBA non-real estate and leasing charge-offs. The higher proportion of qualitative reserve compared to charge-off history related reserves reflects that charge-offs have not been experienced in the Company’s largest loan portfolios consisting of SBLOC and IBLOC and real estate bridge lending. The absence of significant charge-offs reflects, at least in part, the nature of related collateral respectively consisting of marketable securities, the cash value of life insurance and workforce apartment buildings. As charge-offs are nonetheless possible, significant subjectivity is required to consider qualitative factors to derive the related component of the allowance. The Company ranks its qualitative factors in five levels: minimal, low, moderate, moderate-high and high risk. The individual qualitative factors for each portfolio segment have their own scale based on an analysis of that segment. A high risk ranking has the greatest impact on the allowance calculation with each level below having a lesser impact on a sliding scale. The qualitative factors used for each portfolio are described below in the description of each portfolio segment. When the Company adopted CECL as of January 1, 2020, the management assumption was that some degree of economic slowdown should be considered over the next eighteen months. That belief reflected the length of the current economic expansion and the relatively high level of unsustainable U.S. government deficit spending. Accordingly, certain of the Company’s qualitative factors were set at moderate as of January 1, 2020. Based on the uncertainty as to how the COVID-19 pandemic would impact the Company’s loan pools, the Company increased other qualitative factors to moderate and moderate high in 2020. In the second quarter of 2021, the Company reassessed these factors and reversed increases to moderate-high for certain pools, based upon increased vaccination rates and significant reopening of the economy. As a result of continuing economic uncertainty, including heightened inflation and increased risks of recession, the qualitative factors which had been set in anticipation of a downturn at January 1, 2020, were maintained through the third quarter of 2022. In the fourth quarter of 2022, as risks of a recession increased, the economic qualitative risk factor was increased for non-real estate SBL and leasing. The Company has not increased qualitative risk levels for SBLOC or IBLOC because of the nature of related collateral. SBLOC loans are subject to maximum loan to marketable securities value, and notwithstanding historic drops in the stock market in recent years, losses have not been realized. IBLOC loans are limited to borrowers with insurance companies which exceed credit requirements, and are limited to life insurance cash values. The Company also decided not to increase the economic factor for real estate bridge lending. While Federal Reserve rate increases directly increase real estate bridge loan floating rate borrowing costs, borrowers are required to purchase interest rate caps that will partially limit the increase in borrowing costs during the term of the loan. Additionally, there continues to be several additional mitigating factors within the multifamily sector that will continue to fuel demand. Higher interest rates are increasing the cost to purchase a home, which in turn is increasing the number of renters and subsequent demand for multifamily. The softening demand for new homes should continue to exacerbate the current housing shortage, and therefore continue to fuel demand for multifamily apartment homes. Additionally, higher rents in the multifamily sector are causing renters to be more price sensitive, which is driving demand for most of the apartment buildings within the company’s loan portfolio which management considers “workforce” housing. As a result, the REBL qualitative economic factor was not increased. Officers and lenders have considered potential risks resulting from inflation and identified a risk specific to the leasing function. Inflation in fuel prices poses a risk to the Company’s vehicle fleet leases, specifically for less fuel efficient vehicles for which demand and values may decrease. However, used vehicle prices are anticipated to be sustained for an additional twelve to eighteen months, impacted by chip shortages which may persist into 2024 . The economic qualitative factor is based on the estimated impact of economic conditions on the loan pools, as distinguished from the economic factors themselves, for the following reasons. The Company has not experienced charge-offs for either real estate bridge lending or similarly underwritten loans in its predecessor commercial loans, at fair value portfolio, despite stressed economic conditions. Additionally, there have been no losses for multi-family (apartment buildings) in the Company’s securitizations. Accordingly, the estimated credit losses for this pool were derived purely from industry loss information for multi-family housing. The estimated reserve on the multi-family portfolio is currently derived from that industry qualitative factor. Similarly, the Company’s charge-offs have been virtually non-existent for SBLOC and IBLOC notwithstanding stressed economic periods. Investment advisor loans were first offered in 2020 with limited performance history, during which charge-offs have not been experienced. For investment advisor loans, the nature of the underlying ultimate repayment source was considered, namely the fee-based advisory income streams resulting from investment portfolios under management and the impact changes in economic conditions would have on those payment streams. Additionally, the Company’s charge-off histories for small business loans, primarily SBA, and leases have not correlated with economic conditions, including trends in unemployment. While specific economic factors did not correlate with actual historical losses, multiple economic factors are considered. For the non-guaranteed portion of SBA loans, leases, real estate bridge lending and investment advisor financing the Company’s loss forecasting analysis included a review of industry statistics. However, the Company’s own charge-off history and average life estimates, for categories in which the Company has experienced charge-offs, was the primary quantitatively derived element in the forecasts. The qualitative component results from management’s qualitative assessments. In the second quarter of 2022, the Company adjusted its collateral qualitative factor for small business loans downward to account for an increasing percentage of government guaranteed balances in applicable pools. Additionally, in the second quarter of 2022, allowances on credit deteriorated loans were reduced. The largest reduction was $ 1.0 million which resulted when single family units from a construction loan were sold for higher than expected prices. That loan had been included in discontinued loans prior to first quarter 2022, when discontinued assets were reclassified to continuing operations. The Company no longer engages in new construction residential lending. Below are the portfolio segments used to pool loans with similar risk characteristics and align with the Company’s methodology for measuring expected credit losses. These pools have similar risk and collateral characteristics, and certain of these pools are broken down further in determining and applying the vintage loss estimates previously discussed. For instance, within the direct lease financing pool, government and public institution leases are considered separately. Additionally, the Company evaluates its loans under an internal loan risk rating system as a means of identifying problem loans. The special mention classification indicates weaknesses that may, if not cured, threaten the borrower’s future repayment ability. A substandard classification reflects an existing weakness indicating the possible inadequacy of net worth and other repayment sources. These classifications are used both by regulators and peers, as they have been correlated with an increased probability of credit losses. A summary of the Company’s primary portfolio pools and loans accordingly classified, by year of origination, at December 31, 2022 and December 31, 2021 is as follows (in thousands): As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving loans at amortized cost Total SBL non real estate Non-rated* $ 2,075 $ 4,266 $ 273 $ — $ — $ — $ — $ 6,614 Pass 32,402 30,388 13,432 5,599 3,931 4,555 — 90,307 Special mention — — — — 585 284 — 869 Substandard — — 320 242 15 642 — 1,219 Total SBL non-real estate 34,477 34,654 14,025 5,841 4,531 5,481 — 99,009 SBL commercial mortgage Non-rated 10,600 — — — — — — 10,600 Pass 116,647 97,968 64,388 64,692 42,461 68,193 — 454,349 Special mention — — — 1,853 — 630 — 2,483 Substandard — — 141 — 834 589 — 1,564 Total SBL commercial mortgage 127,247 97,968 64,529 66,545 43,295 69,412 — 468,996 SBL construction Pass 3,153 11,650 9,712 2,964 — — — 27,479 Substandard — 2,676 — — — 710 — 3,

Premises And Equipment

Premises And Equipment	12 Months Ended
	Dec. 31, 2022
Premises And Equipment [Abstract]
Premises And Equipment	Note F—Premises and Equipment Premises and equipment are as follows (in thousands): December 31, Estimated useful lives 2022 2021 Land - $ 1,732 $ 1,732 Buildings 39 years 3,436 3,436 Furniture, fixtures, and equipment 3 to 12 years 61,747 56,600 Leasehold improvements 6 to 10 years 11,331 11,331 78,246 73,099 Accumulated depreciation ( 59,845 ) ( 56,943 ) $ 18,401 $ 16,156 Depreciation expense for the years ended December 31, 2022, 2021 and 2020 was approximately $ 2.9 million, $ 2.9 million and $ 3.2 million, respectively.

Time Deposits

Time Deposits	12 Months Ended
	Dec. 31, 2022
Time Deposits [Abstract]
Time Deposits	Note G—Time Deposits At December 31, 2022, the scheduled maturities of time deposits (certificates of deposit) are as follows (in thousands): 2023 $ 330,000 2024 — 2025 — 2026 — 2027 — $ 330,000 There were no time deposits outstanding at December 31, 2021.

Variable Interest Entity (VIE)

Variable Interest Entity (VIE)	12 Months Ended
	Dec. 31, 2022
Variable Interest Entity [Abstract]
Variable Interest Entity (VIE)	Note H—Variable Interest Entity (“VIE”) VIE’s are entities that, by design, either (1) lack sufficient equity to permit the entity to finance its activities without additional subordinated financial support from other parties, or (2) have equity investors that do not have the ability to make significant decisions relating to the entity’s operations through voting rights, or do not have the obligation to absorb the expected losses, or do not have the right to receive the residual returns of the entity. The most common type of VIE is a special purpose entity (“SPE”). SPEs are commonly used in securitization transactions in order to isolate certain assets and distribute the cash flows from those assets to investors. The basic SPE structure involves a company selling assets to the SPE with the SPE funding the purchase of those assets by issuing securities to investors. The agreements that govern the transaction specify how the cash earned on the assets must be allocated to the SPE’s investors and other parties that have rights to those cash flows. SPEs are generally structured to insulate investors from claims on the SPE’s assets by creditors of other entities, including the creditors of the seller of the assets. The primary beneficiary of a VIE (i.e., the party that has a controlling financial interest) is required to consolidate the assets and liabilities of the VIE. The primary beneficiary is the party that has both (1) the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance; and (2) through its interests in the VIE, the obligation to absorb losses or the right to receive benefits from the VIE that could potentially be significant to the VIE. The following table shows the Company’s remaining interests in CRE2, which represent single securities purchased by the Company in the securitizations for which the Company generated all of the commercial mortgage-backed loan collateral (in thousands). December 31, 2022 Principal amount outstanding The Company's Assets held in interest Total assets Assets held in nonconsolidated in securitized held by consolidated VIEs with assets in securitization securitization continuing nonconsolidated VIEs (a) VIEs involvement VIEs (b) Commercial mortgage-backed securities CRE2 (c) $ 58,143 $ — $ 58,143 $ 12,574 CRE3 1,939 — 1,939 — CRE4 9,998 — 9,998 — CRE5 35,638 — 35,638 — CRE6 38,242 — 38,242 — December 31, 2021 Principal amount outstanding The Company's Assets held in interest Total assets Assets held in nonconsolidated in securitized held by consolidated VIEs with assets in securitization securitization continuing nonconsolidated VIEs (a) VIEs involvement VIEs Commercial mortgage-backed securities CRE2 $ 76,115 $ — $ 76,115 $ 12,574 CRE3 61,887 — 61,887 — CRE4 48,405 — 48,405 — CRE5 112,832 — 112,832 — CRE6 343,501 — 343,501 51,558 (a) Consists of commercial loans predominantly secured by real estate. (b) The Company’s security purchased from CRE6 was repaid in full during 2022. (c) The entire CRE1 security including the Company’s interests was repaid in full during 2021. As of December 31, 2022, the principal balance of the security purchased from CRE2 was $ 12.6 million. Repayment is expected from the workout or disposition of commercial real estate collateral, after repayment of the one remaining senior tranche. The Company’s $ 12.6 million security has 50 % excess credit support; thus, losses of 50 % of remaining security balances would have to be incurred, prior to any loss on the Company’s security. Additionally, the commercial real estate collateral properties supporting the three remaining loans were re-appraised between 2020 and 2022. The updated appraised value is approximately $ 57.3 million, net of $ 1.7 million due to the servicer. The remaining principal to be repaid on all securities is approximately $ 58.1 million and, as noted, the Company’s security is scheduled to be repaid prior to 50 % of the outstanding securities. However, any future reappraisals could result in further decreases in collateral valuation. While available information indicates that the value of existing collateral will be adequate to repay the security, there can be no assurance that such valuations will be realized upon loan resolutions, and that deficiencies will not exceed the 50 % credit support. Of the remaining three loans, the property collateral for two of the loans is expected to be liquidated through sale. The third loan was originally extended two years to June of 2022 and terms have not yet been reached for another extension, thus putting the loan in maturity default. If not extended by the special servicer, the property will be foreclosed and sold. The property was appraised at $ 25.9 million July 2022 with total exposure in the security of $ 25.0 million. A recent broker opinion of property liquidation value was $ 20.9 million. The existing 50 % credit enhancement continues to provide repayment protection for the Company owned tranche while the servicer continues to advance interest, keeping the CRE-2 securit y current .

Debt

Debt	12 Months Ended
	Dec. 31, 2022
Debt [Abstract]
Debt	Note I—Debt 1. Short-term borrowings The Bank has overnight borrowing capacity with the Federal Home Loan Bank of Pittsburgh which amounted to $ 1.10 billion at December 31, 2022, collateralized by loans. The Bank also had a $ 1.39 billion line with the FRB as of that date, also collateralized by loans. Borrowings under these arrangements have been made with one day terms with rates which vary daily. As of December 31, 2022, the Bank did no t have any borrowings outstanding on these lines. The details for such daily borrowings are presented below: As of or for the year ended December 31, 2022 2021 2020 (dollars in thousands) Short-term borrowings Balance at year-end $ — $ — $ — Average during the year 60,312 19,958 27,322 Maximum month-end balance 495,000 300,000 140,000 Weighted average rate during the year 2.55 % 0.25 % 0.72 % Rate at December 31 — — — 2. Securities sold under agreements to repurchase Securities sold under agreements to repurchase generally mature within 30 days from the date of the transactions. The detail of securities sold under agreements to repurchase is presented below: As of or for the year ended December 31, 2022 2021 2020 (dollars in thousands) Securities sold under repurchase agreements Balance at year-end $ 42 $ 42 $ 42 Average during the year 41 41 49 Maximum month-end balance 42 42 82 Weighted average rate during the year — — — Rate at December 31 — — — 3. Guaranteed preferred beneficiary interest in the Company’s subordinated debt As of December 31, 2022, the Company held two statutory business trusts: The Bancorp Capital Trust II and The Bancorp Capital Trust III. In each case, the Company owns all the common securities of the Trust. The Trusts issued preferred capital securities to investors and invested the proceeds in the Company through the purchase of junior subordinated debentures issued by the Company. These debentures are the sole assets of the Trusts. The $ 10.3 million of debentures issued to The Bancorp Capital Trust II and the $ 3.1 million of debentures issued to The Bancorp Capital Trust III were both issued on November 28, 2007 , mature on March 15, 2038 and bear a floating rate of interest equal to 3-month LIBOR plus 3.25 %. As of December 31, 2022, the Trusts qualify as VIEs under ASC 810, Consolidation . However, the Company is not considered the primary beneficiary and, therefore, the Trusts are not consolidated in the Company’s consolidated financial statements. The Trusts are accounted for under the equity method of accounting. 4. Senior debt On August 13, 2020, the Company issued $ 100.0 million of senior debt with a maturity date of August 15, 2025 , and a 4.75 % interest rate, with interest paid semi-annually on March 15 and September 15. The Senior Notes are the Company’s direct, unsecured and unsubordinated obligations and rank equal in priority with all of the Company’s existing and future unsecured and unsubordinated indebtedness and senior in right of payment to all of the Company’s existing and future subordinated indebtedness.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Dec. 31, 2022
Shareholders' Equity [Abstract]
Shareholders' Equity	Note J—Shareholders’ Equity In 2020, the Company’s Board of Directors (“the “Board”) authorized a common stock repurchase program (the “2021 Common Stock Repurchase Program ”). Under the 2021 Common Stock Repurchase Program, repurchased shares may be reissued for various corporate purposes. The Company was authorized and did repurchase $ 10.0 million in each quarter of 2021. During the twelve months ended December 31, 2021, the Company repurchased 1,835,061 shares of its common stock in the open market under the 2021 Common Stock Repurchase Program at an average cost of $ 21.80 per share. In the first quarter of 2021, the Company changed its presentation of treasury stock acquired through common stock repurchases. To simplify presentation, common stock repurchases previously shown separately as treasury stock are now shown as reductions in common stock and additional paid-in capital. On October 20, 2021, the Board approved a revised stock repurchase program for the 2022 fiscal year (the “2022 Common Stock Repurchase Program”). The Company was authorized and did repurchase $ 15.0 million in each quarter of 2022. During the twelve months ended December 31, 2022, the Company repurchased 2,322,256 shares of its common stock in the open market under the 2022 Common Stock Repurchase Program at an average cost of $ 25.84 per share. On October 26, 2022, the Board approved a revised stock repurchase program for the upcoming 2023 fiscal year (the “2023 Common Stock Repurchase Program”). The amount that the Company intends to repurchase has been increased to $ 25.0 million in value of the Company’s common stock per fiscal quarter in 2023, for a maximum amount of $ 100.0 million. Under the stock repurchase program, the Company intends to repurchase shares through open market purchases, privately-negotiated transactions, block purchases or otherwise in accordance with applicable federal securities laws, including Rule 10b-18 of the Securities Exchange Act of 1934 (“Exchange Act”).

Benefit Plans

Benefit Plans	12 Months Ended
	Dec. 31, 2022
Benefit Plans [Abstract]
Benefit Plans	Note K—Benefit Plans 401 (k) Plan The Company maintains a 401(k) savings plan covering substantially all employees of the Company. Under the plan, the Company matches 50 % of the employee contributions for all participants, not to exceed 6 % of their salary. Contributions made by the Company were approximately $ 2.0 million, $ 1.6 million and $ 1.7 million for the years ended December 31, 2022, 2021 and 2020, respectively and are reflected in salaries and employee benefits in the consolidated statement of operations. Supplemental Executive Retirement Plan In 2005, the Company began contributing to a supplemental executive retirement plan for its former Chief Executive Officer that provides annual retirement benefits of $ 25,000 per month until death. There were $ 300,000 of disbursements under the plan in each of 2022, 2021 and 2020. The actuarial assumptions as of December 31, 2022, 2021 and 2020 reflected respective discount rates of 4.73 %, 2.12 % and 1.59 % with a monthly benefit of $ 25,000 . Projected payouts for each of the next two years are $ 300,000 per year, $ 274,000 , $ 262,000 , and $ 248,000 for years three, four, and five, respectively, and $ 1.0 million for the subsequent five years. The Company adjusts its related liability to actuarially derived estimates of lifetime payouts based upon actuarial tables as follows: SOA Pri-2012 Amount-Weighted White Collar Retiree Mortality Table with Mortality Improvement Scale MP-2021. The Company’s related expense was $ 300,000 , $ 300,000 and $ 465,000 , respectively, for the years ended December 31, 2022, 2021 and 2020. As of December 31, 2022, the Company had accrued $ 3.0 million for potential future payouts.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2022
Income Taxes [Abstract]
Income Taxes	Note L—Income Taxes The Company operates in the United States and is subject to corporate net income taxes for federal and state purposes. Tax expense is computed in total on combined continuing and discontinued operations, then separately for continuing operations which is subtracted from that total. The remainder is shown as tax expense for discontinued operations. The components of income tax expense included in the statements of continuing operations are as follows: For the years ended December 31, 2022 2021 2020 (in thousands) Current tax provision Federal $ 29,994 $ 22,364 $ 21,816 State 11,837 9,958 7,222 41,831 32,322 29,038 Deferred tax provision (benefit) Federal 5,206 1,564 ( 966 ) State 664 ( 162 ) ( 384 ) 5,870 1,402 ( 1,350 ) $ 47,701 $ 33,724 $ 27,688 The differences between applicable income tax expense (benefit) from continuing operations and the amounts computed by applying the statutory federal income tax rate of 21 % for 2022, 2021 and 2020, are as follows: For the years ended December 31, 2022 2021 2020 (in thousands) Computed tax expense at statutory rate $ 37,410 $ 30,275 $ 22,740 State taxes 9,499 7,704 5,363 Tax-exempt interest income ( 480 ) ( 566 ) ( 517 ) Meals and entertainment 6 24 24 Civil money penalty 368 — — Other net (deductible) nondeductible items ( 22 ) ( 3,762 ) 254 Valuation allowance - domestic — ( 1,446 ) 587 Other 920 1,495 ( 763 ) $ 47,701 $ 33,724 $ 27,688 Deferred income taxes are provided for the temporary difference between the financial reporting basis and the tax basis of the Company’s assets and liabilities. Cumulative temporary differences recognized in the financial statement of position are as follows: For the years ended December 31, 2022 2021 (in thousands) Deferred tax assets: Allowance for credit losses $ 5,283 $ 4,031 Non-accrual interest 2,076 1,613 Deferred compensation 625 697 State taxes 1,192 1,857 Nonqualified stock options 747 1,031 Capital loss limitations 8,158 4,158 Tax deductible goodwill 614 1,365 Partnership interest, Walnut St basis difference — 13,737 Operating lease liabilities 1,652 2,156 Fair value adjustment to investments — 817 Loan charges — 3,351 Unrealized losses on investment securities available-for-sale 10,668 — Other 222 544 Total gross deferred tax assets 31,237 35,357 Federal and state valuation allowance ( 8,158 ) ( 16,903 ) Deferred tax liabilities: Unrealized gains on investment securities available-for-sale — 2,207 Discount on Class A notes — 92 Depreciation 2,025 1,743 Right of use asset 1,314 1,745 Fair value adjustment to investments 37 — Total deferred tax liabilities 3,376 5,787 Net deferred tax asset $ 19,703 $ 12,667 Management assesses all available positive and negative evidence to determine whether it is more likely than not that the Company will be able to recognize the existing deferred tax assets. If that threshold is not met, a valuation allowance is established against the deferred tax asset. The federal and state valuation allowance at December 31, 2022 and 2021, respectively, was $ 8.2 million and $ 16.9 million and resulted from Walnut Street assets, primarily because related capital losses will likely be non-deductible. A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows: For the years ended December 31, 2022 2021 2020 (in thousands) Beginning balance at January 1 $ 338 $ 338 $ 338 Decreases in tax provisions for prior years ( 338 ) — — Gross unrecognized tax benefits at December 31 $ — $ 338 $ 338 Management does not believe these amounts will significantly increase or decrease within 12 months of December 31, 2022. The total amount of unrecognized tax benefits, if recognized, will impact the effective tax rate. Tax years after 2019 remain subject to examination by the federal authorities, and 2018 and after remain subject to examination by most state tax authorities. The Company recognizes interest accrued and penalties related to unrecognized tax benefits in income tax expense for all periods presented. To date, no amounts of interest or penalties relating to unrecognized tax benefits have been recorded. On December 27, 2020, the Consolidated Appropriations Act 2021 (the “Appropriations Act”) was enacted in response to the COVID-19 pandemic. The Appropriations Act, among other things, temporarily extends through December 31, 2025, certain expiring tax provisions. Additionally, the Appropriations Act enacts new provisions and extends certain provisions originated within the Coronavirus Aid, Relief, and Economic Security Act (the “CARES Act”), enacted on March 27, 2020. The legislation did not have a material impact on the Company’s tax position. On March 11, 2021 the American Rescue Plan Act of 2021, which includes certain business tax provisions, was signed into law. This legislation did not have a material impact on the Company’s tax provision. On August 16, 2022, the Inflation Reduction Act of 2022 (the “IRA”) was signed into law. The IRA made several changes to the U.S. tax code effective after December 31, 2022, including, but not limited to, a 15% minimum tax on large corporations with average annual financial statement income of more than $1.00 billion for a three tax-year period and a 1% excise tax on public company stock buybacks, which will be accounted for in treasury stock. We do not expect these changes to have a material impact on our provision for income taxes or financial statements.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2022
Stock-Based Compensation [Abstract]
Stock-Based Compensation	Note M—Stock-Based Compensation. The Company recognizes compensation expense for stock options and restricted stock units (RSUs) in accordance with Financial Accounting Standards Board (FASB) ASC 718, “Stock Based Compensation.” The expense of the option or RSU is generally measured at fair value at the grant date with compensation expense recognized over the service period, which is typically the vesting period. For option grants subject to a service condition, the Company utilizes the Black-Scholes option-pricing model to estimate the fair value of each option on the date of grant. The Black-Scholes model takes into consideration the exercise price and expected life of the options, the current price of the underlying stock and its expected volatility, the expected dividends on the stock and the current risk-free interest rate for the expected life of the option. The Company’s estimate of the fair value of a stock option is based on expectations derived from historical experience and may not necessarily equate to its market value when fully vested. In accordance with ASC 718, the Company estimates the number of options for which the requisite service is expected to be rendered . For RSUs, fair value is determined by the quoted price of the Company’s stock on Nasdaq as of the date of grant. At December 31, 2022, the Company had two active stock-based compensation plans. In May 2020, the Company adopted an Equity Incentive Plan (“2020 Plan”). Employees and directors of the Company and the Bank and consultants (with restrictions) are eligible to participate in the 2020 Plan. The option term may not exceed 10 years from the date of the grant. Any employee or consultant who possesses more than 10 percent of voting power of all classes of stock of the Company, or any parent or subsidiary, may not have options with terms exceeding f ive years from the date of grant. An aggregate of 3,300,000 shares of common stock were reserved for issuance under the 2020 Plan. Restricted stock units may also be granted under the 2020 Plan with conditions similar to those for options. In May 2018, the Company adopted an Equity Incentive Plan (“2018 Plan”). Employees and directors of the Company and the Bank and consultants (with restrictions) are eligible to participate in the 2018 Plan. The option term may not exceed 10 years from the date of the grant. Any employee or consultant who possesses more than 10 percent of voting power of all classes of stock of the Company, or any parent or subsidiary, may not have options with terms exceeding f ive years from the date of grant. An aggregate of 1,700,000 shares of common stock were reserved for issuance under the 2018 Plan, but none remain. Restricted stock units may also be granted under the 2018 Plan with conditions similar to those for options. The Company granted 100,000 stock options with a vesting period of four years during 2022 with a weighted average grant-date fair value of $ 14.01 . The Company granted 100,000 stock options with a vesting period of four years during 2021 with a weighted average grant-date fair value of $ 8.51 . The Company granted 300,000 stock options with a vesting period of four years during 2020 with a weighted average grant-date fair value of $ 3.02 . The total common stock options exercised in 2022, 2021 and 2020 were 58,531 , 633,966 and 99,000 , respectively. A summary of the Company’s stock options is presented below: Weighted-average remaining Weighted-average contractual Aggregate Options exercise price term (years) intrinsic value (in thousands except per share data) Outstanding at January 1, 2022 550,104 $ 9.67 7.17 $ 8,603,191 Granted 100,000 30.32 9.12 — Exercised ( 58,531 ) 9.48 — 1,321,525 Expired — — — — Forfeited ( 11,469 ) — — — Outstanding at December 31, 2022 580,104 13.25 7.48 8,968,660 Exercisable at December 31, 2022 238,828 $ 8.69 6.74 $ 4,701,983 The Company granted 260,693 RSUs in 2022, of which 219,311 have a vesting period of three years and 41,382 have a vesting period of one year . At issuance, the 260,693 RSUs granted in 2022 had a fair value of $ $ 28.61 per unit. The Company granted 313,697 RSUs in 2021 of which 261,073 have a vesting period of three years and 52,624 have a vesting period of one year . At issuance, the 313,697 RSUs granted in 2021 had a fair value of $ 18.81 per unit. The Company granted 1,531,702 RSUs in 2020, of which 1,387,602 have a vesting period of two years and nine months and 144,100 have a vesting period of one year . At issuance, the 1,531,702 RSUs granted in 2020 had a fair value of $ 6.87 per unit. A summary of the Company’s restricted stock units is presented below: Weighted-average Average remaining grant date contractual RSUs fair value term (years) Outstanding at January 1, 2022 1,030,124 $ 10.49 1.17 Granted 260,693 28.61 1.84 Vested ( 582,789 ) 10.11 — Forfeited ( 36,332 ) 15.21 — Outstanding at December 31, 2022 671,696 $ 17.78 1.00 A summary of the status of the Company’s non-vested options under the plans as of December 31, 2022, and changes during the year then ended, is presented below: Weighted-average grant date Options fair value Non-Vested at January 1, 2022 357,552 $ 4.63 Granted 100,000 14.01 Vested ( 116,276 ) 4.32 Expired — — Forfeited — — Non-Vested at December 31, 2022 341,276 $ 7.49 There were 641,320 options exercised and restricted stock units vested in 2022, 1,732,529 options exercised and restricted stock units vested in 2021 and 710,111 options exercised and restricted stock units vested in 2020. The total intrinsic value of the options exercised and stock units vested in 2022, 2021 and 2020 was $ 15.7 million, $ 35.5 million and $ 7.1 million, respectively. The total issuance date fair value of options that were exercised and restricted units which vested during the year ended December 31, 2022 was $ 6.1 million. As of December 31, 2022, there was a total of $ 8.1 million of unrecognized compensation cost related to unvested awards under share-based plans. This cost is expected to be recognized over a weighted average period of approximately 1.1 years. Related compensation expense for the years ended December 31, 2022, 2021 and 2020 was $ 7.6 million, $ 8.6 million and $ 6.4 million respectively, and the related tax benefits recognized were $ 1.6 million, $ 1.8 million and $ 1.4 million, respectively. For the years ended December 31, 2022, 2021 and 2020, the Company estimated the fair value of each stock option grant on the date of grant using the Black-Scholes options pricing model with the following weighted average assumptions: December 31, 2022 2021 2020 Risk-free interest rate 1.94 % 1.19 % 0.68 % Expected dividend yield — — — Expected volatility 45.1 % 45.6 % 45.2 % Expected lives (years) 6.3 6.3 6.3 Expected volatility is based on the historical volatility of the Company’s stock and peer group comparisons over the expected life of the grant. The risk-free rate for periods within the expected life of the option is based on the U.S. Treasury strip rate in effect at the time of the grant. The life of the option is based on historical factors which include the contractual term, vesting period, exercise behavior and employee terminations. In accordance with the ASC 718, Stock Based Compensation , stock based compensation expense for the year ended December 31, 2022 is based on awards that are ultimately expected to vest and has been reduced for estimated forfeitures. The Company estimated forfeitures using historical data based upon the groups identified by management.

Transactions With Affiliates

Transactions With Affiliates	12 Months Ended
	Dec. 31, 2022
Transactions With Affiliates [Abstract]
Transactions With Affiliates	Note N—Transactions with Affiliates The Bank did not maintain any deposits for various affiliated companies as of December 31, 2022 and December 31, 2021, respectively. The Bank has entered into lending transactions in the ordinary course of business with directors, executive officers, principal stockholders and affiliates of such persons. All loans were made on substantially the same terms, including interest rate and collateral, as those prevailing at the time for comparable loans with persons not related to the lender. At December 31, 2022, these loans were current as to principal and interest payments, and did not involve more than normal risk of collectability or present other unfavorable features. At December 31, 2022 and 2021, loans to these related parties amounted to $ 5.5 million and $ 5.2 million, respectively. Mr. Hersh Kozlov, a director of the Company, is a partner at Duane Morris LLP, an international law firm. The Company paid Duane Morris LLP $ 1.5 million in 2022, $ 1.9 million in 2021 and $ 1.7 million in 2020 for legal services.

Commitments And Contingencies

Commitments And Contingencies	12 Months Ended
	Dec. 31, 2022
Commitments And Contingencies [Abstract]
Commitments And Contingencies	Note O—Commitments and Contingencies 1. Operating Leases As part of its cost control efforts, the Company is actively managing its facilities. The lease for its Wilmington, Delaware operations facility and its Crofton, Maryland business leasing office expire in 2025. The lease for its Westmont (suburban Chicago), Illinois SBL office expires in 2026. The occupied New York and Norristown sites are, respectively, loan administration and leasing offices, and the leases will expire in 2024 and 2025, respectively. The Memphis, Tennessee SBL office lease expires in 2025. The Morrisville, North Carolina SBL loan office lease also expires in 2024. The Company also has leases for leasing business development offices in New Jersey that expire in 2023, and leases for SBL and leasing business development offices in Utah and Washington state that expire at various times through 2023. The Company’s lease in South Dakota for its prepaid and debit card division expires in 2023. The Company has signed a lease for office space to relocate those offices to a development under construction in Sioux Falls, South Dakota, with expected occupancy in 2023. These leases require the Company to pay the real estate taxes and insurance on the leased properties in addition to rent. The approximate future minimum annual rental payments, including any additional rents for escalation clauses, are as follows (in thousands): Year ending December 31, 2023 $ 3,402 2024 3,847 2025 2,925 2026 1,375 2027 1,374 Thereafter 16,478 $ 29,401 Rent and related expense for the years ended December 31, 2022, 2021 and 2020 were approximately $ 3.7 million, $ 3.6 million and $ 4.1 million net of sublease rentals of approximately $ 729,000 , $ 729,000 and $ 848,000 , respectively. 2. Legal Proceedings On June 12, 2019, the Bank was served with a qui tam lawsuit filed in the Superior Court of the State of Delaware, New Castle County. The Delaware Department of Justice intervened in the litigation. The case is titled The State of Delaware, Plaintiff, Ex rel. Russell S. Rogers, Plaintiff-Relator, v. The Bancorp Bank, Interactive Communications International, Inc., and InComm Financial Services, Inc., Defendants. The lawsuit alleges that the defendants violated the Delaware False Claims Act by not paying balances on certain open-loop “Vanilla” prepaid cards to the State of Delaware as unclaimed property. The complaint seeks actual and treble damages, statutory penalties, and attorneys’ fees. The Bank has filed an answer denying the allegations and continues to vigorously defend against the claims. The Bank and other defendants previously filed a motion to dismiss the action, but the motion was denied and the case is in preliminary stages of discovery. At this time, the Company is unable to determine whether the ultimate resolution of the matter will have a material adverse effect on the Company’s financial condition or operations. As previously disclosed, the Company received and responded to a non-public fact-finding inquiry from the SEC, which sought to determine if violations of the federal securities laws occurred. On October 9, 2019, the Company received a subpoena seeking records related generally to the Bank’s debit card issuance activity and gross dollar volume data, among other things. The Company responded to the subpoena and subsequent subpoenas issued to the Company. The SEC last requested information from the Company relating to this inquiry in September 2021. The SEC has not made any findings, or alleged any wrongdoing, with respect to this matter. Future costs related to responding to and cooperating with the SEC staff may be material, and could continue to be material at least through the completion of this matter. On January 12, 2021, three former employees of the Bank filed separate complaints against the Company in the Supreme Court of the State of New York, New York County. The Company subsequently removed all three lawsuits to the United States District Court for the Southern District of New York. The cases are captioned: John Edward Barker, Plaintiff v. The Bancorp, Inc., Defendant; Alexander John Kamai, Plaintiff v. The Bancorp, Inc., Defendant; and John Patrick McGlynn III, Plaintiff v. The Bancorp, Inc., Defendant. The lawsuits arise from the Bank’s termination of the plaintiffs’ employment in connection with the restructuring of its CMBS business. The plaintiffs sought damages in the following amounts: $ 4,135,142 (Barker), $ 901,088 (Kamai) and $ 2,909,627 (McGlynn). On June 11, 2021, the Company filed a consolidated motion to dismiss in each case. On February 25, 2022, the court granted the Company’s motion in part, dismissing McGlynn’s claims in entirety and most of Barker and Kamai’s claims. The sole claims remaining are Barker and Kamai’s breach of implied contract claims related to an unpaid bonus, for which they seek $ 2,000,000 and $ 300,000 , respectively. The Company is vigorously defending against these claims. On September 29, 2022, the Company filed a motion for summary judgment in both matters, which is still pending before the court. The Company is not yet able to determine whether the ultimate resolution of this matter will have a material adverse effect on the Company’s financial conditions or operations. On September 14, 2021, Cachet Financial Services (“Cachet”) filed an adversary proceeding against the Bank in the United States Bankruptcy Court for the Central District of California, titled Cachet Financial Services, Plaintiff v. The Bancorp Bank, et al., Defendants. The case was filed within the context of Cachet’s pending Chapter 11 bankruptcy case. The Bank previously served as the Originating Depository Financial Institution (“ODFI”) for ACH transactions in connection with Cachet’s payroll services business. The matter arises from the Bank’s termination of its Payroll Processing ODFI Agreement with Cachet on October 23, 2019, for safety and soundness reasons. The initial complaint alleges eight causes of action: (i) breach of contract; (ii) negligence; (iii) intentional interference with contract; (iv) conversion; (v) express indemnity; (vi) implied indemnity; (vii) accounting; and (viii) objection to the Bank’s proof of claim in the bankruptcy case. On November 4, 2021, the Bank filed a motion in the United States District Court for the Central District of California to withdraw the reference of the adversary proceeding to the bankruptcy court, which was denied in February 2023. On August 3, 2022, Cachet served the Bank with a First Amended Complaint wherein Cachet, among other things, withdraws its implied indemnity claim against the Bank and adds several defendants unaffiliated with the Bank and causes of action related to those parties. As to the Bank, Cachet seeks approximately $ 150 million in damages, an accounting and disallowance of the Bank’s proof of claim. The Bank is vigorously defending against these claims. On September 28, 2022, the Bank filed a partial motion to dismiss, seeking to dispose of the majority of Cachet’s claims against the Bank. The motion is still pending before the court. The Company is not yet able to determine whether the ultimate resolution of this matter will have a material adverse effect on the Company’s financial conditions or operations. In addition, the Company is a party to various routine legal proceedings arising out of the ordinary course of business. The Company believes that none of these actions, individually or in the aggregate, will have a material adverse effect on the Company’s financial condition or operations.

Financial Instruments With Off-

Financial Instruments With Off-Balance-Sheet Risk And Concentrations Of Credit Risk	12 Months Ended
	Dec. 31, 2022
Financial Instruments With Off-Balance-Sheet Risk And Concentrations Of Credit Risk [Abstract]
Financial Instruments With Off-Balance-Sheet Risk And Concentrations Of Credit Risk	Note P—Financial Instruments with Off-Balance-Sheet Risk and Concentrations of Credit Risk The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Such financial instruments are recorded in the consolidated financial statements when they become payable. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The contractual, or notional, amounts of those instruments reflect the extent of involvement the Company has in particular classes of financial instruments. The approximate contract amounts and maturity term of the Company’s unused credit commitments are as follows: December 31, 2022 2021 (in thousands) Financial instruments whose contract amounts represent credit risk Commitments to extend credit $ 1,980,154 $ 2,154,352 Standby letters of credit 1,698 1,698 $ 1,981,852 $ 2,156,050 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation. The vast majority of commitments to extend credit arise from security backed lines of credit (SBLOC) which are variable rate and which represent collateral values available to support additional extensions of credit, and not expected usage. Such commitments are normally based on the full amount of collateral in a customer’s investment account. The majority of such lines of credit have historically not been drawn upon. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Company holds residential or commercial real estate, accounts receivable, inventory and equipment as collateral supporting those commitments for which collateral is deemed necessary. The Company reduces any potential liability on its standby letters of credit based upon its estimate of the proceeds obtainable upon the liquidation of the collateral held. Fair values of unrecognized financial instruments, including commitments to extend credit and the fair value of letters of credit, are considered immaterial. The Company’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual or notional amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. CECL accounting guidance requires the establishment of an allowance for loss on such unfunded instruments. To establish that allowance, the Company generally utilizes the same methodologies as it does to establish allowances on outstanding loans, adjusted for estimated usage as appropriate.

Fair Value Of Financial Instrum

Fair Value Of Financial Instruments	12 Months Ended
	Dec. 31, 2022
Fair Value Of Financial Instruments [Abstract]
Fair Value Of Financial Instruments	Note Q—Fair Value of Financial Instruments ASC 825, Financial Instruments , requires disclosure of the estimated fair value of an entity’s assets and liabilities considered to be financial instruments. For the Company, as for most financial institutions, the majority of its assets and liabilities are considered to be financial instruments. However, many such instruments lack an available trading market as characterized by a willing buyer and willing seller engaging in an exchange transaction. Also, it is the Company’s general practice and intent to hold its financial instruments to maturity whether or not categorized as “available-for-sale” and not to engage in trading or sales activities although it sold loans in 2019 and prior years, and may do so in the future. For fair value disclosure purposes, the Company utilized the fair value measurement criteria of ASC 820 , Fair Value Measurements and Disclosures . ASC 820 , Fair Value Measurements and Disclosures , establishes a common definition for fair value to be applied to assets and liabilities. It clarifies that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. It also establishes a framework for measuring fair value and expands disclosures concerning fair value measurements. ASC 820 establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). Level 1 valuation is based on quoted market prices for identical assets or liabilities to which the Company has access at the measurement date. Level 2 valuation is based on other observable inputs for the asset or liability, either directly or indirectly. This includes quoted prices for similar assets in active or inactive markets, inputs other than quoted prices that are observable for the asset or liability such as yield curves, volatilities, prepayment speeds, credit risks, default rates, or inputs that are derived principally from, or corroborated through, observable market data by market-corroborated reports. Level 3 valuation is based on “unobservable inputs” that are the best information available in the circumstances. Assets classified as level 3 are only classified as such, when the observable inputs discussed above are not available, often as a result of thinly traded markets. A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. There were no transfers between levels in 2022 and 2021. Transfers between levels in prior years, resulted only from the availability or non-availability of third-party pricing for CRE securities from the Company’s securitizations, see Note E. For fair value disclosure purposes, the Company utilized certain value measurement criteria required under the ASC 820, “Fair Value Measurements and Disclosures,” as discussed below. Estimated fair values have been determined by the Company using the best available data and an estimation methodology it believes to be suitable for each category of financial instruments. Changes in the assumptions or methodologies used to estimate fair values may materially affect the estimated amounts. Also, there may not be reasonable comparability between institutions due to the wide range of permitted assumptions and methodologies in the absence of active markets. This lack of uniformity gives rise to a high degree of subjectivity in estimating financial instrument fair values. Cash and cash equivalents, which are comprised of cash and due from banks and the Company’s balance at the FRB, had recorded values of $ 888.2 million and $ 601.8 million at December 31, 2022 and 2021, respectively, which approximated fair values. Investment securities have estimated fair values based on quoted market prices or other observable inputs, if available. If observable inputs are not available, fair values are determined using unobservable (Level 3) inputs that are based on the best information available in the circumstances. For these investment securities, fair values are based on the present value of expected cash flows from principal and interest to maturity, or yield to call as appropriate, at the measurement date. Commercial loans, at fair value are comprised of commercial real estate bridge loans and SBA loans which had been previously originated for sale or securitization in the secondary market, and which are now being held on the balance sheet. Commercial real estate bridge loans and SBA loans are valued using a discounted cash flow analysis based upon pricing for similar loans where market indications of the sales price of such loans are not available, on a pooled basis. Loans, net of deferred loan fees and costs, have an estimated fair value using the present value of future cash flows. The discount rate used in these calculations is the estimated current market rate adjusted for borrower-specific credit risk. The carrying value of accrued interest approximates fair value. FHLB, Atlantic Central Bankers Bank, and Federal Reserve Bank stock are held as required by those respective institutions and are carried at cost. Each of these institutions require their correspondent banking institutions to hold stock as a condition of membership. While a fixed stock amount is required by each of these institutions, the Federal Home Loan Bank stock requirement increases or decreases with the level of borrowing activity. Assets held-for-sale from discontinued operations were recorded at the lower of cost basis or market value. For loans, market value was determined using the discounted cash flow approach which converts expected cash flows from the loan portfolio by unit of measurement to a present value estimate. Unit of measurement was determined by loan type and for significant loans on an individual loan basis. Loan fair values are based on “unobservable inputs” that are based on available information. Level 3 fair values are based on the present value of cash flows by unit of measurement. In the first quarter of 2022, discontinued loans were reclassified to loans held for investment, as efforts to sell the loans had concluded. Accordingly, these loans will be accounted for as such, and included in related tables. Discontinued other real estate owned which constituted the remainder of discontinued assets was reclassified to the other real estate owned caption on the consolidated balance sheet . Deposits (comprised of interest and non-interest-bearing checking accounts, savings, and certain types of money market accounts) are equal to the amount payable on demand at the reporting date (generally, their carrying amounts). The fair values of securities sold under agreements to repurchase and short-term borrowings are equal to their carrying amounts as they are overnight borrowings. There were no short-term borrowings outstanding at December 31, 2022 or 2021. Time deposits, when outstanding, senior debt and subordinated debentures have a fair value estimated using a discounted cash flow calculation that applies current interest rates to discount expected cash flows. There were $ 330.0 million time deposits outstanding at December 31, 2022 and $ 0 at December 31, 2021. Long term borrowings resulted from sold loans which did not qualify for true sale accounting. They are presented in the amount of principal of such loans. Interest rate swaps are either assets or liabilities and have a fair value which is estimated using models that use readily observable market inputs and a market standard methodology applied to the contractual terms of the derivatives, including the period to maturity and the applicable interest rate index. The fair value of commitments to extend credit is estimated based on the amount of unamortized deferred loan commitment fees. The fair value of letters of credit is based on the amount of unearned fees plus the estimated cost to terminate the letters of credit. Fair values of unrecognized financial instruments, including commitments to extend credit, and the fair value of letters of credit are considered immaterial. Fair value information for specific balance sheet categories is as follows. December 31, 2022 Quoted prices Significant in active other Significant markets for observable unobservable Carrying Estimated identical assets inputs inputs amount fair value (Level 1) (Level 2) (Level 3) (in thousands) Investment securities, available-for-sale $ 766,016 $ 766,016 $ — $ 745,993 $ 20,023 Federal Home Loan Bank, Atlantic Central Bankers Bank, and Federal Reserve Bank stock 12,629 12,629 — — 12,629 Commercial loans, at fair value 589,143 589,143 — — 589,143 Loans, net of deferred loan fees and costs 5,486,853 5,462,948 — — 5,462,948 Interest rate swaps, asset 408 408 — 408 — Demand and interest checking 6,559,617 6,559,617 — 6,559,617 — Savings and money market 140,496 140,496 — 140,496 — Senior debt 99,050 93,871 — 93,871 — Time deposits 330,000 330,000 — 330,000 — Subordinated debentures 13,401 10,067 — — 10,067 Securities sold under agreements to repurchase 42 42 42 — — December 31, 2021 Quoted prices Significant in active other Significant markets for observable unobservable Carrying Estimated identical assets inputs inputs amount fair value (Level 1) (Level 2) (Level 3) (in thousands) Investment securities, available-for-sale $ 953,709 $ 953,709 $ — $ 934,678 $ 19,031 Federal Home Loan Bank and Atlantic Central Bankers Bank stock 1,663 1,663 — — 1,663 Commercial loans, at fair value 1,388,416 1,388,416 — — 1,388,416 Loans, net of deferred loan fees and costs 3,747,224 3,745,548 — — 3,745,548 Assets held-for-sale from discontinued operations 3,268 3,268 — — 3,268 Interest rate swaps, liability 553 553 — 553 — Demand and interest checking 5,561,365 5,561,365 — 5,561,365 — Savings and money market 415,546 415,546 — 415,546 — Senior debt 98,682 101,980 — 101,980 — Subordinated debentures 13,401 8,815 — — 8,815 Securities sold under agreements to repurchase 42 42 42 — — The assets and liabilities measured at fair value on a recurring basis, segregated by fair value hierarchy, are summarized below (in thousands): Fair Value Measurements at Reporting Date Using Quoted prices in active Significant other Significant markets for identical observable unobservable Fair value assets inputs inputs December 31, 2022 (Level 1) (Level 2) (Level 3) Investment securities, available-for-sale U.S. Government agency securities $ 28,381 $ — $ 28,381 $ — Asset-backed securities 334,009 — 334,009 — Obligations of states and political subdivisions 47,510 — 47,510 — Residential mortgage-backed securities 139,820 — 139,820 — Collateralized mortgage obligation securities 41,783 — 41,783 — Commercial mortgage-backed securities 166,813 — 154,490 12,323 Corporate debt securities 7,700 — — 7,700 Total investment securities, available-for-sale 766,016 — 745,993 20,023 Commercial loans, at fair value 589,143 — — 589,143 Interest rate swaps, asset 408 — 408 — $ 1,355,567 $ — $ 746,401 $ 609,166 Fair Value Measurements at Reporting Date Using Quoted prices in active Significant other Significant markets for identical observable unobservable Fair value assets inputs inputs December 31, 2021 (Level 1) (Level 2) (Level 3) . Investment securities, available-for-sale U.S. Government agency securities $ 37,302 $ — $ 37,302 $ — Asset-backed securities 360,418 — 360,418 — Obligations of states and political subdivisions 52,137 — 52,137 — Residential mortgage-backed securities 184,301 — 184,301 — Collateralized mortgage obligation securities 61,861 — 61,861 — Commercial mortgage-backed securities 251,076 — 238,659 12,417 Corporate debt securities 6,614 — — 6,614 Total investment securities, available-for-sale 953,709 — 934,678 19,031 Commercial loans, at fair value 1,388,416 — — 1,388,416 Assets held-for-sale from discontinued operations 3,268 — — 3,268 Interest rate swaps, liability 553 — 553 — $ 2,344,840 $ — $ 934,125 $ 1,410,715 The Company’s Level 3 asset activity for the categories shown for the years 2022 and 2021 is as follows (in thousands): Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Available-for-sale Commercial loans, securities at fair value December 31, 2022 December 31, 2021 December 31, 2022 December 31, 2021 Beginning balance $ 19,031 $ 178,951 $ 1,388,416 $ 1,810,812 Transfers from investment in unconsolidated entity — — — 22,926 Transfers from assets held-for-sale from discontinued operations — — — 61,580 Transfers to loans, net — — ( 61,580 ) — Total net (losses) or gains (realized/unrealized) Included in earnings — ( 44 ) 12,570 13,214 Included in other comprehensive loss 992 ( 1,422 ) — — Purchases, issuances, sales and settlements Issuances — — 66,067 127,765 Settlements — ( 158,454 ) ( 816,330 ) ( 647,881 ) Ending balance $ 20,023 $ 19,031 $ 589,143 $ 1,388,416 Total losses year to date included in earnings attributable to the change in unrealized gains or losses relating to assets still held at the reporting date as shown above. $ — $ — $ ( 3,492 ) $ ( 2,133 ) Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Investment in Assets held-for-sale unconsolidated entity from discontinued operations December 31, 2022 December 31, 2021 December 31, 2022 December 31, 2021 Beginning balance $ — $ 31,294 $ 3,268 $ 113,650 Transfers to commercial loans, at fair value — ( 22,926 ) — ( 61,580 ) Transfers to other real estate owned — ( 2,145 ) — ( 17,343 ) Total (losses) or gains (realized/unrealized) Included in earnings — — — 1,102 Purchases, issuances, sales, settlements and charge-offs Issuances — — — 5,222 Sales — — — ( 2,020 ) Settlements — ( 6,223 ) ( 3,268 ) ( 35,750 ) Charge-offs — — — ( 13 ) Ending balance $ — $ — $ — $ 3,268 Total losses year to date included in earnings attributable to the change in unrealized gains or losses relating to assets still held at the reporting date as shown above. $ — $ — $ — $ 566 The Company’s other real estate owned activity is summarized below (in thousands) as of the dates indicated: December 31, 2022 December 31, 2021 Beginning balance $ 18,873 $ — Transfers from investment in unconsolidated entity — 2,145 Sales ( 2,343 ) ( 615 ) Transfers from commercial loans, at fair value 4,680 — Transfers from discontinued operations — 17,343 Ending balance $ 21,210 $ 18,873 Information related to fair values of level 3 balance sheet categories is as follows (dollars in thousands, except range and weighted average data). Fair value at Range at Weighted average at Level 3 instruments only December 31, 2022 Valuation techniques Unobservable inputs December 31, 2022 December 31, 2022 Commercial mortgage-backed investment security (a) $ 12,323 Discounted cash flow Discount rate 12.71 % 12.71 % Insurance liquidating trust preferred security (b) 7,700 Discounted cash flow Discount rate 11.50 % 11.50 % Federal Home Loan Bank, Atlantic Central Bankers Bank, and Federal Reserve Bank stock 12,629 Cost N/A N/A N/A Loans, net of deferred loan fees and costs (c) 5,462,948 Discounted cash flow Discount rate 5.65 %- 11.00 % 6.86 % Commercial - SBA (d) 146,717 Discounted cash flow Discount rate 5.57 %- 6.25 % 6.17 % Non-SBA CRE - fixed (e) 28,695 Discounted cash flow and appraisal Discount rate 8.36 %- 11.65 % 10.31 % Non-SBA CRE - floating (f) 413,731 Discounted cash flow Discount rate 7.07 %- 17.20 % 7.90 % Commercial loans, at fair value 589,143 Subordinated debentures (g) 10,067 Discounted cash flow Discount rate 11.50 % 11.50 % Other real estate owned (h) 21,210 Appraised value N/A N/A N/A Fair value at Range at Weighted average at Level 3 instruments only December 31, 2021 Valuation techniques Unobservable inputs December 31, 2021 December 31, 2021 Commercial mortgage-backed investment securities $ 12,417 Discounted cash flow Discount rate 8.00 % 8.00 % Insurance liquidating trust preferred security 6,614 Discounted cash flow Discount rate 7.00 % 7.00 % Federal Home Loan Bank and Atlantic Central Bankers Bank stock 1,663 Cost N/A N/A N/A Loans, net of deferred loan fees and costs 3,745,548 Discounted cash flow Discount rate 1.00 % - 7.00 % 3.70 % Commercial - SBA 199,585 Discounted cash flow Discount rate 1.04 % - 2.12 % $ 103.40 Non-SBA CRE - fixed 79,864 Discounted cash flow Discount rate 5.31 %- 7.43 % 6.26 % Non-SBA CRE - floating 1,047,387 Discounted cash flow Discount rate 3.96 %- 10.20 % 4.96 % Other loans 61,580 Discounted cash flow Discount rate 3.18 %- 6.80 % 4.36 % Commercial loans, at fair value 1,388,416 Assets held-for-sale from discontinued operations 3,268 Discounted cash flow Discount rate 3.18 %- 6.80 % 4.36 % Subordinated debentures 8,815 Discounted cash flow Discount rate 7.00 % 7.00 % Other real estate owned 18,873 Appraised value N/A N/A N/A The valuations for each of the instruments above, as of the balance sheet date, are sensitive to judgments, assumptions and uncertainties, changes in which could have a significant impact on such valuations. All weighted averages at December 31, 2022 were calculated using the discount rate for each individual security or loan weighted by its par value, except for SBA loans. For SBA loans, traders’ pricing indications for pools determined by date of loan origination were weighted. For commercial loans recorded at fair value and assets held-for-sale from discontinued operations, changes in fair value are reflected in the income statement. Changes in the fair value of securities which are unrelated to credit are recorded through equity. Changes in the value of subordinated debentures are a disclosure item, without impact on the financial statements. Changes in the fair value of loans recorded at amortized cost which are unrelated to credit are also a disclosure item, without impact on the financial statements. The notes below refer to the December 31, 2022 table. a) Commercial mortgage-backed investment security, consisting of a single Bank issued CRE security, is valued using discounted cash flow analysis. The discount rate and prepayment rate applied are based upon market observations and actual experience for comparable securities and implicitly assume market averages for defaults and loss severities. The security has significant credit enhancement, or protection from other tranches in the issue, which limits the valuation exposure to credit losses. Nonetheless, increases in expected loss severities on the loans underlying the issue could reduce its value. In market environments in which investors demand greater yield compensation for credit risk, the discount rate applied would ordinarily be higher and the valuation lower. Changes in prepayments and loss experience could also change the interest earned on this holding in future periods and impact its fair value. As a single security, the weighted average rate shown is the actual rate applied to the security. b) Insurance liquidating trust preferred security is a single debenture which is valued using discounted cash flow analysis. The discount rate used is based on the market rate on comparable relatively illiquid instruments and credit analysis. A change in the liquidating trust’s ability to repay the note, or an increase in interest rates, particularly for privately placed debentures, would affect the discount rate and thus the valuation. As a single security, the weighted average rate shown is the actual rate applied to the security. c) Loans, net of deferred fees and costs are valued using discounted cash flow analysis. Discount rates are based upon available information for estimated current origination rates for each loan type. Origination rates may fluctuate based upon changes in the risk free (Treasury) rate and credit experience for each loan type. d) Commercial-SBA Loans are comprised of the government guaranteed portion of SBA insured loans. Their valuation is based upon the yield derived from dealer pricing indications for guaranteed pools, adjusted for seasoning and prepayments. A limited number of broker/dealers originate the pooled securities for which the loans are purchased and as a result, prices can fluctuate based on such limited market demand, although the government guarantee has resulted in consistent historical demand. Valuations are impacted by prepayment assumptions resulting from both voluntary payoffs and defaults. Such assumptions for both poolable and seasoned loans are based on estimates arrived at using actual historical data for similar loans . e) Non-SBA CRE-fixed are fixed rate non-SBA commercial real estate mortgages. These loans are fair valued by a third party, based upon discounting at market rates for similar loans. Discount rates used in applying discounted cash flow analysis utilize input based upon loan terms, the general level of interest rates and the quality of the credit. Deterioration in loan performance or other credit weaknesses could result in fair value ranges which would be dependent upon potential buyers’ tolerance for such weaknesses and are difficult to estimate. The movie theater loan which was valued on the basis of an appraisal at September 30, 2022 was transferred to other real estate owned in the fourth quarter of 2022 and is discussed in Note E . f) Non-SBA CRE-floating are floating rate non-SBA loans, the vast majority of which are secured by multi-family properties (apartments). These are bridge loans designed to provide owners time and funding for property improvements and are generally valued using discounted cash flow analysis. The discount rate for the vast majority of these loans was based upon current origination rates for similar loans. Deterioration in loan performance or other credit weaknesses could result in fair value ranges which would be dependent upon potential buyers’ tolerance for such weaknesses and are difficult to estimate. At December 31, 2022, these loans were fair valued by a third party, based upon discounting at market rates for similar loans . g) Subordinated debentures are comprised of two subordinated notes issued by the Company, maturing in 2038 with a floating rate of 3-month LIBOR plus 3.25 %. These notes are valued using discounted cash flow analysis. The discount rate is based on the market rate for comparable relatively illiquid instruments. Changes in those market rates, or the credit of the Company could result in changes in the valuation. h) For other real estate owned, fair value is based upon appraisals of the underlying collateral by third party appraisers, reduced by 7 % to 10 % for estimated selling costs. Such appraisals reflect estimates of amounts realizable upon property sales based on the sale of comparable properties and other factors. Actual sales prices may vary based upon the identification of potential purchasers, changing conditions in local real estate markets and the level of interest rates required to finance purchases. Assets measured at fair value on a nonrecurring basis, segregated by fair value hierarchy, at December 31, 2022 and 2021 are summarized below (in thousands): Fair Value Measurements at Reporting Date Using Quoted prices in active Significant other Significant markets for identical observable unobservable Fair value assets inputs inputs (1) Description December 31, 2022 (Level 1) (Level 2) (Level 3) Collateral dependent loans (1) $ 12,205 $ — $ — $ 12,205 Other real estate owned 21,210 — — 21,210 Intangible assets 2,049 — — 2,049 $ 35,464 $ — $ — $ 35,464 Fair Value Measurements at Reporting Date Using Quoted prices in active Significant other Significant markets for identical observable unobservable Fair value assets inputs inputs (1) Description December 31, 2021 (Level 1) (Level 2) (Level 3) Collateral dependent loans (1) $ 3,005 $ — $ — $ 3,005 Other real estate owned 18,873 — — 18,873 Intangible assets 2,447 — — 2,447 $ 24,325 $ — $ — $ 24,325 (1) The method of valuation approach for the loans evaluated for an allowance for credit losses on an individual loan basis and also for other real estate owned was the market approach based upon appraisals of the underlying collateral by external appraisers, reduced by 7 % to 10 % for estimated selling costs. Intangible assets are valued based upon internal analyses. At December 31, 2022, principal on loans individually evaluated for an allowance for credit losses, and troubled debt restructurings that is accounted for on the basis of the value of underlying collateral, is shown in the above table at an estimated fair value of $ 12.2 million. To arrive at that fair value, related loan principal of $ 14.3 million was reduced by specific allowances of $ 2.1 million within the allowance for credit losses, as of that date, representing the deficiency between principal and estimated collateral values, which were reduced by estimated costs to sell. When the deficiency is deemed uncollectible, it is charged off by reducing the specific allowance and decreasing principal. Included in the loans individually evaluated for an allowance for credit losses at December 31, 2022, were troubled debt restructured loans with a balance of $ 5.3 million which had specific allowances of $ 637,000 . At December 31, 2021, principal on loans individually evaluated for an allowance for credit losses, and troubled debt restructurings that is accounted for on the basis of the value of underlying collateral, is shown in the above table at an estimated fair value of $ 3.0 million. To arrive at that fair value, related loan principal of $ 4.0 million was reduced by specific allowances of $ 1.0 million within the allowance for credit losses, as of that date, representing the deficiency between principal and estimated collateral values, which were reduced by estimated costs to sell. When the deficiency is deemed uncollectible, it is charged off by reducing the specific allowance and decreasing principal. Included in the loans individually evaluated for an allowance for credit losses at December 31, 2021, were troubled debt restructured loans with a balance of $ 1.5 million which had specific allowances of $ 476,000 . Valuation techniques consistent with the market and/or cost approach were used to measure fair value and primarily included observable inputs for the individual loans being evaluated such as recent sales of similar collateral or observable market data for operational or carrying costs. In cases where such inputs were unobservable, the loan balance is reflected within the Level 3 hierarchy. The Company had $ 21.2 million of other real estate owned at December 31, 2022 and $ 18.9 million other real estate owned at December 31, 2021 .

Derivatives

Derivatives	12 Months Ended
	Dec. 31, 2022
Derivatives [Abstract]
Derivatives	Note R –Derivatives The Company has utilized derivative instruments to assist in the management of interest rate sensitivity by modifying the repricing, maturity and option characteristics on certain commercial real estate loans held at fair value. These instruments are not accounted for as effective hedges. As of December 31, 2022, the Company had entered into one interest rate swap agreement with an aggregate notional amount of $ 6.8 million. Under that swap agreement the Company receives an adjustable rate of interest based upon LIBOR. The Company recorded a gain of $ 961,000 , a gain of $ 1.7 million and a loss of $ 2.0 million for the years ended December 31, 2022 and 2021 and 2020, respectively, to recognize the fair value of derivative instruments. Those amounts are recorded on the consolidated statements of operations under “Net realized and unrealized gains (losses) on commercial loans (at fair value)”. At December 31, 2022, the amount receivable by the Company under this swap agreement was $ 408,000 . At December 31, 2022 and 2021, the Company had minimum collateral posting thresholds with certain of its derivative counterparties and had posted cash collateral of $ 523,000 and $ 2.3 million, respectively. The maturity dates, notional amounts, interest rates paid and received and fair value of the Company’s remaining interest rate swap agreements as of December 31, 2022 are summarized below (dollars in thousands): December 31, 2022 Maturity date Notional amount Interest rate paid Interest rate received Fair value December 23, 2025 $ 6,800 2.16 % 4.73 % $ 408 Total $ 6,800 $ 408 The $ 408,000 fair value position of the outstanding derivatives at December 31, 2022 as detailed in the above table, was recorded in other assets on the consolidated balance sheet.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2022
Regulatory Matters [Abstract]
Regulatory Matters	Note S—Regulatory Matters It is the policy of the Federal Reserve that financial holding companies should pay cash dividends on common stock only from income available over the past year and only if prospective earnings retention is consistent with the organization’s expected future needs and financial condition. The policy provides that financial holding companies should not maintain a level of cash dividends that undermines the financial holding company’s ability to serve as a source of strength to its banking subsidiaries. Various federal and state statutory provisions limit the amount of dividends that subsidiary banks can pay to their holding companies without regulatory approval. Without the prior approval of the OCC, a dividend may not be paid if the total of all dividends declared by a bank in any calendar year is in excess of the current year’s net income combined with the retained net income of the two preceding years. Additionally, a dividend may not be paid in excess of a bank’s retained earnings. Moreover, an insured depository institution may not pay a dividend if the payment would cause it to be less than “adequately capitalized” under the prompt corrective action framework as defined in the Federal Deposit Insurance Act or if the institution is in default in the payment of an assessment due to the FDIC. Similarly, a banking organization that fails to satisfy regulatory minimum capital conservation buffer requirements will be subject to certain limitations, which include restrictions on capital distributions. In addition to these explicit limitations, federal and state regulatory agencies are authorized to prohibit a banking subsidiary or financial holding company from engaging in an unsafe or unsound practice. Depending upon the circumstances, the agencies could take the position that paying a dividend would constitute an unsafe or unsound banking practice. The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification of the Company and the Bank are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Moreover, capital requirements may be modified based upon regulatory rules or by regulatory discretion at any time reflecting a variety of factors including deterioration in asset quality. To be well capitalized under For capital prompt corrective Actual adequacy purposes action provisions Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) As of December 31, 2022 Total capital (to risk-weighted assets) The Bancorp, Inc. $ 747,372 13.87 % $ 431,203 >=8.00 N/A N/A The Bancorp Bank, National Association 829,540 15.42 % 430,483 8.00 538,103 >= 10.00 % Tier 1 capital (to risk-weighted assets) The Bancorp, Inc. 722,238 13.40 % 323,403 >=6.00 N/A N/A The Bancorp Bank, National Association 804,406 14.95 % 322,862 6.00 430,483 >= 8.00 % Tier 1 capital (to average assets) The Bancorp, Inc. 722,238 9.63 % 299,913 >=4.00 N/A N/A The Bancorp Bank, National Association 804,406 10.73 % 299,794 4.00 374,742 >= 5.00 % Common equity tier 1 (to risk-weighted assets) The Bancorp, Inc. 722,238 13.40 % 215,602 >=4.00 N/A N/A The Bancorp Bank, National Association 804,406 14.95 % 242,147 4.50 349,767 >= 6.50 % As of December 31, 2021 Total capital (to risk-weighted assets) The Bancorp, Inc. $ 661,656 15.13 % $ 349,923 >=8.00 N/A N/A The Bancorp Bank, National Association 695,450 15.88 % 349,897 8.00 437,371 >= 10.00 % Tier 1 capital (to risk-weighted assets) The Bancorp, Inc. 643,850 14.72 % 262,442 >=6.00 N/A N/A The Bancorp Bank, National Association 677,644 15.48 % 262,423 6.00 349,897 >= 8.00 % Tier 1 capital (to average assets) The Bancorp, Inc. 643,850 10.40 % 247,722 >=4.00 N/A N/A The Bancorp Bank, National Association 677,644 10.98 % 247,630 4.00 309,537 >= 5.00 % Common equity tier 1 (to risk-weighted assets) The Bancorp, Inc. 643,850 14.72 % 174,962 >=4.00 N/A N/A The Bancorp Bank, National Association 677,644 15.48 % 196,817 4.50 284,291 >= 6.50 % As of December 31, 2022, the Company and the Bank met all regulatory requirements for classification as well capitalized under the regulatory framework for prompt corrective action.

Condensed Financial Information

Condensed Financial Information-Parent Only	12 Months Ended
	Dec. 31, 2022
Condensed Financial Information-Parent Only [Abstract]
Condensed Financial Information-Parent Only	Note T—Condensed Financial Information—Parent Only Condensed Balance Sheets December 31, 2022 2021 (in thousands) Assets Cash and due from banks $ 18,712 $ 68,383 Investment in subsidiaries 776,199 686,248 Other assets 13,016 11,324 Total assets $ 807,927 $ 765,955 Liabilities and stockholders' equity Other liabilities $ 1,445 $ 1,418 Senior debt 99,050 98,682 Subordinated debentures 13,401 13,401 Stockholders' equity 694,031 652,454 Total liabilities and stockholders' equity $ 807,927 $ 765,955 Condensed Statements of Operations For the year ended December 31, 2022 2021 2020 (in thousands) Income Other income $ 10 $ — $ 1 Total income 10 — 1 Expense Interest on subordinated debentures 657 449 524 Interest on senior debt 5,118 5,118 1,913 Non-interest expense 8,520 9,266 7,486 Total expense 14,295 14,833 9,923 Income tax benefit ( 2,999 ) ( 3,114 ) — Equity in undistributed income of subsidiaries 141,499 122,372 90,006 Net income available to common shareholders $ 130,213 $ 110,653 $ 80,084 Condensed Statements of Cash Flows Year ended December 31, 2022 2021 2020 (in thousands) Operating activities Net income $ 130,213 $ 110,653 $ 80,084 Net amortization of investment securities discounts/premiums 368 368 — (Increase) decrease in other assets ( 1,692 ) ( 3,164 ) 484 Increase (decrease) in other liabilities 27 ( 423 ) 1,810 Stock based compensation expense 7,592 8,626 6,429 Equity in undistributed income ( 141,499 ) ( 122,372 ) ( 90,006 ) Net cash used in operating activities ( 4,991 ) ( 6,312 ) ( 1,199 ) Investing activities Contribution from subsidiary 15,000 — — Net cash provided by investing activities 15,000 — — Financing activities Proceeds from the exercise of common stock options 320 3,428 866 Proceeds of senior debt offering — — 98,314 Repurchases of common stock ( 60,000 ) ( 40,000 ) — Net cash (used in) provided by financing activities ( 59,680 ) ( 36,572 ) 99,180 Net (decrease) increase in cash and cash equivalents ( 49,671 ) ( 42,884 ) 97,981 Cash and cash equivalents, beginning of year 68,383 111,267 13,286 Cash and cash equivalents, end of year $ 18,712 $ 68,383 $ 111,267

Segment Financials

Segment Financials	12 Months Ended
	Dec. 31, 2022
Segment Financials [Abstract]
Segment Financials	Note U—Segment Financials The Company performed a strategic evaluation of its businesses in the third quarter of 2014. As a result of the evaluation, the Company decided to discontinue its Philadelphia commercial lending operations, as described in Note V- Discontinued Operations. The shift from a traditional bank balance sheet led the Company to evaluate its remaining business structure. Based on the continuing operations of the Company, it was determined that there would be four segments of the business: specialty finance, payments, corporate and discontinued operations. On January 1, 2022, discontinued operations was combined into the corporate segment. The chief decision maker for these segments is the Chief Executive Officer. Specialty finance includes small business (primarily SBA loans), direct lease financing, security and insurance backed lines of credit, investment advisor financing, real estate bridge lending and deposits generated by those business lines. In 2019, specialty finance included commercial mortgage loan sales and securitizations, prior to their cessation in 2020. Payments include prepaid and debit cards, card payments, ACH processing and deposits generated by those business lines. Corporate includes the Company’s investment portfolio, corporate overhead and non-allocated expenses. In the tables below the Company allocated cost of funds in the interest allocation line . These operating segments reflect the way the Company views its current operations. For the year ended December 31, 2022 Specialty finance Payments Corporate Discontinued operations Total (in thousands) Interest income $ 273,392 $ 113 $ 34,790 $ — $ 308,295 Interest allocation ( 55,680 ) 56,064 ( 384 ) — — Interest expense 3,083 42,883 13,488 — 59,454 Net interest income 214,629 13,294 20,918 — 248,841 Provision for credit losses 7,108 — — — 7,108 Non-interest income 15,371 86,313 3,999 — 105,683 Non-interest expense 71,878 69,261 28,363 — 169,502 Income (loss) before taxes 151,014 30,346 ( 3,446 ) — 177,914 Income tax expense — — 47,701 — 47,701 Net income (loss) $ 151,014 $ 30,346 $ ( 51,147 ) $ — $ 130,213 For the year ended December 31, 2021 Specialty finance Payments Corporate Discontinued operations Total (in thousands) Interest income $ 191,867 $ — $ 30,248 $ — $ 222,115 Interest allocation ( 17,217 ) 20,634 ( 3,417 ) — — Interest expense 963 4,162 6,114 — 11,239 Net interest income 173,687 16,472 20,717 — 210,876 Provision for credit losses 3,110 — — — 3,110 Non-interest income 22,331 82,343 75 — 104,749 Non-interest expense 67,263 69,716 31,371 — 168,350 Income (loss) from continuing operations before taxes 125,645 29,099 ( 10,579 ) — 144,165 Income tax expense — — 33,724 — 33,724 Income (loss) from continuing operations 125,645 29,099 ( 44,303 ) — 110,441 Income from discontinued operations — — — 212 212 Net income (loss) $ 125,645 $ 29,099 $ ( 44,303 ) $ 212 $ 110,653 For the year ended December 31, 2020 Specialty finance Payments Corporate Discontinued operations Total (in thousands) Interest income $ 170,847 $ — $ 39,935 $ — $ 210,782 Interest allocation ( 29,255 ) 36,890 ( 7,635 ) — — Interest expense 1,024 8,690 6,202 — 15,916 Net interest income 140,568 28,200 26,098 — 194,866 Provision for credit losses 6,352 — — — 6,352 Non-interest income 678 83,751 188 — 84,617 Non-interest expense 68,244 68,379 28,224 — 164,847 Income (loss) from continuing operations before taxes 66,650 43,572 ( 1,938 ) — 108,284 Income tax expense — — 27,688 — 27,688 Income (loss) from continuing operations 66,650 43,572 ( 29,626 ) — 80,596 Loss from discontinued operations — — — ( 512 ) ( 512 ) Net income (loss) $ 66,650 $ 43,572 $ ( 29,626 ) $ ( 512 ) $ 80,084 December 31, 2022 Specialty finance Payments Corporate Discontinued operations Total (in thousands) Total assets $ 6,042,765 $ 57,894 $ 1,802,341 $ — $ 7,903,000 Total liabilities $ 321,335 $ 6,101,539 $ 786,095 $ — $ 7,208,969 December 31, 2021 Specialty finance Payments Corporate Discontinued operations Total (in thousands) Total assets $ 5,099,388 $ 41,593 $ 1,698,990 $ 3,268 $ 6,843,239 Total liabilities $ 329,372 $ 5,312,115 $ 549,298 $ — $ 6,190,785

Discontinued Operations

Discontinued Operations	12 Months Ended
	Dec. 31, 2022
Discontinued Operations [Abstract]
Discontinued Operations	Note V—Discontinued Operations The Company performed a strategic evaluation of its businesses in the third quarter of 2014 and decided to discontinue its Philadelphia commercial lending operations to focus on its specialty finance lending. The Company has since disposed of the vast majority of related loans and other real estate owned. While in the process of disposition, financial results of the commercial lending operations were presented as separate from continuing operations on the consolidated statements of operations and assets of the commercial lending operations to be disposed of were presented as assets held-for-sale on the consolidated balance sheets. As disposition efforts were winding down, discontinued loans of $ 61.6 million were reclassified to loans held for investment in the first quarter of 2022. These loans will accordingly be accounted for as such, and included in related tables as management continues related collections. While classified as discontinued operations loans were recorded at the lower of their cost or fair value. Fair value was determined using a discounted cash flow analysis where projections of cash flows were developed in consideration of internal loan review analysis and default/prepayment assumptions for smaller pools of loans. Those credit and collateral related assumptions were subject to uncertainty. Discontinued other real estate owned of $ 17.3 million which constituted the remainder of discontinued assets was reclassified to the other real estate owned caption on the balance sheet. The following table presents financial results of the commercial lending business included in net income (loss) from discontinued operations for the twelve months ended December 31, 2022, 2021 and 2020. The majority of non-interest expense is comprised of loan related charges including charge-offs, realized and unrealized gains and losses, other real estate loan charges and attorney fees. For the year ended December 31, 2022 2021 2020 (in thousands) Interest income $ — $ 3,096 $ 4,222 Interest expense — — — Net interest income — 3,096 4,222 Non-interest income — 99 21 Non-interest expense — 2,907 8,059 Income (loss) before taxes — 288 ( 3,816 ) Income tax expense (benefit) — 76 ( 3,304 ) Net income (loss) $ — $ 212 $ ( 512 ) December 31, December 31, 2022 2021 (in thousands) Commercial loans, at fair value $ — $ 2,907 Other real estate owned — 361 Total assets $ — $ 3,268 Non-interest expense for the years ended December 31, 2022, 2021 and 2020, reflected no activity for 2022, a gain of $ 1.5 million for 2021, and losses of $ 520,000 for 2020, for fair value and realized gains (losses) on loans. For those respective years, it also reflected respective expenses and losses of $ 0 , $ 2.8 million and $ 5.5 million related to other real estate owned. Discontinued operations loans are recorded at the lower of their cost or fair value. Fair value is determined using a discounted cash flow analysis where projections of cash flows are developed in consideration of internal loan review analysis and default/prepayment assumptions for smaller pools of loans. These credit and collateral related assumptions are subject to uncertainty.

Summary Of Significant Accoun_2

Summary Of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2022
Summary Of Significant Accounting Policies [Abstract]
Basis Of Presentation	1. Basis of Presentation The accounting and reporting policies of the Company conform to generally accepted accounting principles in the United States of America (“U.S. GAAP”) and predominant practices within the banking industry. The consolidated financial statements include the accounts of the Company and all its subsidiaries. All inter-company balances have been eliminated. Reclassifications have been made to the 2020 consolidated financial statements to conform to the 2021 and 2022 presentation. Specifically, the minimal service fees on deposit accounts which were shown separately on the income statement are now shown in other income. In the first quarter of 2021, the Company changed its presentation of treasury stock acquired through common stock repurchases. To simplify presentation, common stock repurchases previously shown separately as treasury stock, are now shown as reductions in common stock and additional paid-in capital . The Company performed a strategic evaluation of its businesses in the third quarter of 2014 and decided to discontinue its Philadelphia commercial lending operations to focus on its specialty finance lending. The Company has since disposed of the vast majority of related loans and other real estate owned. While in the process of disposition, financial results of the commercial lending operations were presented as separate from continuing operations on the consolidated statements of operations and assets of the commercial lending operations to be disposed of were presented as assets held-for-sale on the consolidated balance sheets. As disposition efforts concluded, discontinued loans of $ 61.6 million were reclassified to loans held for investment in the first quarter of 2022. Accordingly, these loans will be accounted for as such, and included in related tables. On the December 31, 2021 consolidated balance sheet, these discontinued loans were reclassified as loans held for sale in continuing operations and included within “Commercial loans, at fair value”. Discontinued other real estate owned of $ 17.3 million which constituted the remainder of discontinued assets was reclassified to the other real estate owned caption on the balance sheet. As noted above, in the first quarter of 2022, the loans previously in discontinued operations were reclassified to held for investment. In the second quarter of 2022, as a result of the loan reclassification, related valuation reserves were reversed as a credit to “Net realized and unrealized gains on commercial loans, at fair value” in the consolidated statement of operations, while the allowances for credit losses and loan commitments in the consolidated balance sheet were increased through a provision for credit losses. Accordingly, a $ 3.5 million credit to “Net realized and unrealized gains on commercial loans, at fair value” was offset by a provision for credit losses of $ 3.5 million with no net impact on income. Of the $ 3.5 million provision, $ 1.3 million increased the allowance for credit losses and $ 2.2 million increased the allowance for loan commitments recorded in other liabilities. These reclassification entries were made retroactive to the first quarter of 2022 and are reflected in year to date 2022 results . The Company’s non-SBA commercial real estate bridge loans, at fair value, are primarily collateralized by multi-family properties (apartment buildings), and to a lesser extent, by hotel and retail properties. These loans were originally generated for sale through securitizations. In 2020, the Company decided to retain these loans on its balance sheet as interest-earning assets and has resumed originating such loans, after ceasing originations for most of 2020 and the first half of 2021. These new originations are identified as REBL and are held for investment in the loan portfolio. Prior originations initially intended for securitizations continue to be accounted for at fair value, and are included in the balance sheet in “Commercial loans, at fair value.” The preparation of consolidated financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The principal estimates that are particularly susceptible to a significant change in the near term relate to the allowance for credit losses on loans and investment securities, loans measured at fair value and the realizability of deferred income taxes.
Cash And Cash Equivalents	2. Cash and Cash Equivalents Cash and cash equivalents are defined as cash and amounts due from banks with an original maturity from date of purchase of three months or less and federal funds sold. The Company maintains balances in excess of insured limits at various financial institutions including the Federal Reserve Bank (“FRB”), the Federal Home Loan Bank (“FHLB”) and other private institutions. The Company does not believe these instruments carry a significant risk of loss, but cannot provide assurances that no losses could occur if these institutions were to become insolvent. The Company also funds cash in ATMs on cruise ships for use by certain of its card account holders, for which insurance is maintained.
Investment Securities	3. Investment Securities Investments in debt and equity securities which management believes may be sold prior to maturity due to changes in interest rates, prepayment risk, liquidity requirements, or other factors, are classified as available-for-sale. Net unrealized gains for such securities, net of tax effect, are reported as other comprehensive income, through equity and are excluded from the determination of net income. The unrealized losses for available-for-sale securities are evaluated to determine if any component is attributable to credit loss versus market factors. If the present value of cash flows expected to be collected is less than the amortized cost basis, a provision for credit losses is recorded within the consolidated statement of operations. Subsequent improvement in credit may, unlike previous accounting, result in reversal of the credit charge in future periods. For available-for-sale debt securities in an unrealized loss position, the Company also assesses whether it intends to sell, or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. The Company does not engage in securities trading. Gains or losses on disposition of investment securities are based on the net proceeds and the adjusted carrying amount of the securities sold using the specific identification method . The Company evaluates whether an allowance for credit loss is required by considering primarily the following factors: (a) the extent to which the fair value is less than the amortized cost of the security, (b) changes in the financial condition, credit rating and near-term prospects of the issuer, (c) whether the issuer is current on contractually obligated interest and principal payments, (d) changes in the financial condition of the security’s underlying collateral and (e) the payment structure of the security. The Company’s determination of the best estimate of expected future cash flows, which is used to determine the credit loss amount, is a quantitative and qualitative process that incorporates information received from third-party sources along with internal assumptions and judgments regarding the future performance of the security. The Company concluded that the securities that are in an unrealized loss position are in a loss position because of changes in market interest rates after the securities were purchased. The Company’s unrealized loss for other debt securities, which include one single issuer trust preferred security, is primarily related to general market conditions, including a lack of liquidity in the market. The severity of the impact of fair value in relation to the carrying amounts of the individual investments is consistent with market developments. The Company’s analysis of each investment is performed at the security level. As a result of its quarterly review, the Company concluded that an allowance was not required to recognize credit losses in either 2022, 2021 or 2020.
Loans And Allowance For Credit Losses	4. Loans and Allowance for Credit Losses Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are classified as held for investment and are stated at amortized cost, net of unearned discounts, unearned loan fees and an allowance for credit losses. For loans held for investment at amortized cost, the Company, effective January 1, 2020, began to utilize a current expected credit loss, or CECL, approach to determine the allowance for credit losses. CECL accounting replaced the prior incurred loss model that recognized losses when it became probable that a credit loss would be incurred, with a new requirement to recognize lifetime expected credit losses immediately when a financial asset is originated or purchased. Accordingly, CECL requires loss estimates for the remaining estimated life of the financial asset using historical experience, current conditions, and reasonable and supportable forecasts. The allowance for credit losses is established through a provision for credit losses charged to expense. Loan principal considered to be uncollectible by management is charged against the allowance for credit losses. The allowance is an amount that management believes is appropriate and supportable to absorb current and future expected losses on existing loans that may become uncollectible. The evaluation takes into consideration historical losses by pools of loans with similar risk characteristics and qualitative factors such as portfolio performance and the potential impact of current economic conditions which may affect the borrowers’ ability to pay. For most pools, the historical loss ratio for each pool is multiplied by its outstanding balance and further multiplied by the estimated remaining average life of each pool. A qualitative factor determined according to the pool’s risk characteristics, is multiplied by the pool’s outstanding principal to comprise the second component of its allowance for credit losses. For loans previously classified in discontinued operations, discounted cash flow is utilized to determine the related allowance. For SBLOC and IBLOC pools, which have not experienced significant credit losses, probability of loss/loss given default considerations and qualitative factors are utilized. Additionally, the allowance includes allocations for specific loans which have been individually evaluated for an allowance for credit losses. Factors considered by management in determining the need for individual loan evaluation for a specific allowance include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not evaluated for an allowance for that reason alone. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record and the amount of the shortfall in relation to the principal and interest owed. The determination of the amount of the allowance calculated on individual loans considers either the present value of expected future cash flows discounted at the loan's effective interest rate or the estimated fair value of the collateral if the loan is collateral dependent. An allowance allocation is established for such loans in the amount their carrying value exceeds the present value of future cash flows; or, if collateral dependent, the amount their carrying value exceeds the collateral’s estimated fair value. The estimated fair values of substantially all of the Company's allowances on individual loans are measured based on the estimated fair value of the loan's collateral, and applicable loans are primarily found in two portfolios. First, for small business (“SBL”) commercial loans secured by real estate (primarily SBA), estimated fair values of collateral are determined primarily through third-party appraisals or evaluations. When a real estate secured loan is individually evaluated for a potential allowance for credit loss, a decision is made regarding whether an updated certified appraisal of the real estate is necessary. This decision is based on various considerations including the age of the most recent appraisal and the condition of the property. Appraised value, discounted by the estimated costs to sell the collateral, is considered to be the estimated fair value. For SBL commercial and industrial loans secured by non-real estate collateral, such as accounts receivable or inventory and equipment, estimated fair values are determined based on the borrower's financial statements, inventory reports, accounts receivable agings or equipment appraisals or invoices. Indications of value from these sources may be discounted based on the age of the financial information or the quality of the assets. Amounts guaranteed by the U.S. government are excluded from the Company’s allowance evaluations. Second, for leasing, fair values are determined utilizing authoritative industry sources such as Black Book. The CECL methodology and the loan analyses performed on individual loans described above comprise the components of the allowance for credit losses. On a quarterly basis, the allowance is adjusted to the total of those components through the provision for credit losses. The allowance for credit losses represents management's estimate of losses inherent in the loan and lease portfolio as of the consolidated balance sheet date and is recorded as a reduction to loans and leases. If the quarterly analysis of those two components exceeds the balance of the allowance for credit losses, the allowance is increased by the provision for credit losses. Loans deemed to be uncollectible are charged against the allowance for credit losses, and subsequent recoveries, if any, are credited to the allowance. All, or part, of the principal balance of loans receivable are charged off to the allowance as soon as it is determined that the repayment of all, or part, of the principal balance is highly unlikely. Because all identified losses are immediately charged off, no portion of the allowance for credit losses is restricted to any individual loan or groups of loans, and the entire allowance is available to absorb any and all loan losses. The evaluation of the adequacy of the allowance for credit losses includes, among other factors, an analysis of historical loss rates and qualitative judgments, applied to current loan totals over remaining estimated lives. However, actual future losses may vary compared to historical trends and estimated remaining lives may change over time. Actual losses on specified problem loans, may depend upon disposition of collateral for which actual sales prices may differ from appraisals. This evaluation is inherently subjective as it requires material estimates that may be susceptible to significant revision as more information becomes available. Interest income is accrued as earned on a simple interest method. Accrual of interest is discontinued on a loan when management believes, after considering economic and business conditions and collection efforts, that the borrower’s financial condition is such that collection of interest is doubtful. When a loan is placed on non-accrual status, all accumulated accrued interest receivable applicable to periods prior to the current year is charged off to the allowance for credit losses. Interest that had accrued in the current year is reversed from current period income. Loans reported as having missed four or more consecutive monthly payments and still accruing interest must have both principal and accruing interest adequately secured and must be in the process of collection. Such loans are reported as 90 days delinquent and still accruing. For all loan types, the Company uses the method of reporting delinquencies which considers a loan past due or delinquent if a monthly payment has not been received by the close of business on the loan’s next due date. In the Company’s reporting, two missed payments are reflected as 30 to 59 day delinquencies and three missed payments are reflected as 60 to 89 day delinquencies. Loans which were originated from continuing operations and previously intended for sale in secondary markets, but which are now being held on the balance sheet as earning assets, are carried at estimated fair value and are excluded from the allowance analysis. Changes in fair value are recognized as unrealized gains or losses on commercial loans in the consolidated statements of operations. The Company originated and sold or securitized specific commercial mortgage loans in secondary markets through 2019, but in 2020 decided to retain these loans on its balance sheet. No further sales or securitizations are currently planned. These loans are accounted for under the fair value option and amounted to $ 589.1 million at December 31, 2022, and $ 1.39 billion at December 31, 2021. These loans are classified as commercial loans, at fair value.
Premises And Equipment	5. Premises and Equipment Premises and equipment, including leasehold improvements, are stated at cost less accumulated depreciation. Depreciation expense is computed on the straight-line method over the useful lives of the assets. Leasehold improvements are depreciated over the shorter of the estimated useful lives of the improvements or the terms of the related leases.
Internal Use Software	6. Internal Use Software The Company capitalizes costs associated with internally developed and/or purchased software systems for new products and enhancements to existing products that have reached the application stage and meet recoverability tests. Capitalized costs include external direct costs of materials and services utilized in developing or obtaining internal use software and payroll and payroll related expenses for employees who are directly associated with, and devote time to, the internal use software project. Capitalization of such costs begins when the preliminary project stage is complete and ceases no later than the point at which the project is substantially complete and ready for its intended purpose. The carrying value of the Company’s software is periodically reviewed and a loss is recognized if the value of the estimated undiscounted cash flow benefit related to the asset falls below the unamortized cost. Amortization is provided using the straight-line method over the estimated useful life of the related software, which is generally seven years . As of December 31, 2022 and 2021, the Company had net capitalized software costs of approximately $ 5.6 million and $ 5.7 million, respectively. Net capitalized software is presented as part of other assets on the consolidated balance sheets. The Company recorded related amortization expense of approximately $ 2.0 million, $ 2.0 million and $ 2.4 million for the years ended December 31, 2022, 2021 and 2020, respectively.
Income Taxes	7. Income Taxes The Company accounts for income taxes under the liability method whereby deferred tax assets and liabilities are determined based on the difference between their carrying values on the consolidated balance sheet and their tax basis as measured by the enacted tax rates which will be in effect when these differences reverse. Deferred tax expense (benefit) is the result of changes in deferred tax assets and liabilities. The Company recognizes the benefit of a tax position in the consolidated financial statements only after determining that the relevant tax authority would more likely than not sustain the position following an audit by the tax authority. For tax positions meeting the more likely than not threshold, the amount recognized in the consolidated financial statements is the largest benefit that has a greater than 50 percent likelihood of being realized upon ultimate settlement with the relevant tax authority. For these analyses, the Company may engage attorneys to provide opinions related to the positions. The Company applies this policy to all tax positions for which the statute of limitations remain open, but this application does not materially impact the Company’s consolidated balance sheet or consolidated statement of operations. Any interest or penalties related to uncertain tax positions are recognized in income tax expense (benefit) in the consolidated statement of operations. Deferred tax assets are recorded on the consolidated balance sheet at their net realizable value. The Company performs an assessment each reporting period to evaluate the amount of the deferred tax asset it is more likely than not to realize. Realization of deferred tax assets is dependent upon the amount of taxable income expected in future periods, as tax benefits require taxable income to be realized. If a valuation allowance is required, the deferred tax asset on the consolidated balance sheet is reduced via a corresponding income tax expense in the consolidated statement of operations.
Share-Based Compensation	8. Share-Based Compensation The Company recognizes compensation expense for stock options and restricted stock units (“RSUs”) in accordance with Accounting Standards Codification (“ASC”) 718, Stock Based Compensation . The fair value of the option or restricted stock unit (“RSU”) is generally measured on the grant date with compensation expense recognized over the service period, which is usually the stated vesting period. For options subject to a service condition, the Company utilizes the Black-Scholes option-pricing model to estimate the fair value on the date of grant. The Black-Scholes model takes into consideration the exercise price and expected life of the options, the current price of the underlying stock and its expected volatility, the expected dividends on the stock and the current risk-free interest rate for the expected life of the option. The Company’s estimate of the fair value of a stock option is based on expectations derived from historical experience and may not necessarily equate to its market value when fully vested. In accordance with ASC 718, the Company estimates the number of options for which the requisite service is expected to be rendered.
Other Real Estate Owned	9. Other Real Estate Owned Other real estate owned is recorded at estimated fair market value less cost of disposal; which establishes a new cost basis or carrying value. When property is acquired, the excess, if any, of the loan balance over fair market value is charged to the allowance for credit losses. Periodically thereafter, the asset is reviewed for subsequent declines in the estimated fair market value against the carrying value. Subsequent declines, if any, and holding costs, as well as gains and losses on subsequent sale, are included in the consolidated statements of operations. T he Company had $ 21.2 million of other real estate owned at December 31, 2022 and at $ 18.9 million December 31, 2021.
Advertising Costs	10. Advertising Costs The Company expenses advertising and marketing costs as incurred. Advertising and marketing costs amounted to $ 1.2 million, $ 1.6 million and $ 1.3 million for the years ended December 31, 2022, 2021 and 2020, respectively. Advertising and marketing expense is reflected under “other” in the non-interest expense section of the consolidated statements of operations.
Earnings Per Share	11. Earnings Per Share The Company calculates earnings per share under ASC 260, Earnings Per Share . Basic earnings per share exclude dilution and are computed by dividing income available to common shareholders by the weighted average common shares outstanding during the period. Diluted earnings per share takes into account the potential dilution that could occur if securities, including stock options and RSUs or other contracts to issue common stock were exercised and converted into common stock. Stock options are dilutive if exercise prices are less than current stock prices. RSUs are dilutive because they represent grants over vesting periods which do not require employees to pay exercise prices. The dilution shown in the tables below includes the potential dilution from both stock options and RSUs. The following tables show the Company’s earnings per share for the periods presented: Year ended December 31, 2022 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share Net earnings available to common shareholders $ 130,213 56,556,303 $ 2.30 Effect of dilutive securities Common stock options and restricted stock units — 712,643 ( 0.03 ) Diluted earnings per share Net earnings available to common shareholders $ 130,213 57,268,946 $ 2.27 Stock options for 480,104 shares, exercisable at prices between $ 6.87 and $ 18.81 per share, were outstanding at December 31, 2022 and included in the dilutive earnings per share computation because the exercise price per share was less than the average market price. Stock options for 100,000 shares were anti-dilutive and not included in the earnings per share calculation. Year ended December 31, 2021 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share from continuing operations Net earnings available to common shareholders $ 110,441 57,190,311 $ 1.93 Effect of dilutive securities Common stock options and restricted stock units — 1,640,126 ( 0.05 ) Diluted earnings per share Net earnings available to common shareholders $ 110,441 58,830,437 $ 1.88 Year ended December 31, 2021 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share from discontinued operations Net earnings available to common shareholders $ 212 57,190,311 $ — Effect of dilutive securities Common stock options and restricted stock units — 1,640,126 — Diluted earnings per share Net earnings available to common shareholders $ 212 58,830,437 $ — Year ended December 31, 2021 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share Net earnings available to common shareholders $ 110,653 57,190,311 $ 1.93 Effect of dilutive securities Common stock options and restricted stock units — 1,640,126 ( 0.05 ) Diluted earnings per share Net earnings available to common shareholders $ 110,653 58,830,437 $ 1.88 Stock options for 450,104 shares, exercisable at prices between $ 6.87 and $ 18.81 per share, were outstanding at December 31, 2021 and included in the dilutive earnings per share computation because the exercise price per share was less than the average market price. Stock options for 100,000 shares were anti-dilutive and not included in the earnings per share calculation. Year ended December 31, 2020 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share from continuing operations Net earnings available to common shareholders $ 80,596 57,474,612 $ 1.40 Effect of dilutive securities Common stock options and restricted stock units — 936,610 ( 0.02 ) Diluted earnings per share Net earnings available to common shareholders $ 80,596 58,411,222 $ 1.38 Year ended December 31, 2020 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic loss per share from discontinued operations Net loss $ ( 512 ) 57,474,612 $ ( 0.01 ) Effect of dilutive securities Common stock options and restricted stock units — 936,610 — Diluted loss per share Net loss $ ( 512 ) 58,411,222 $ ( 0.01 ) Year ended December 31, 2020 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share Net earnings available to common shareholders $ 80,084 57,474,612 $ 1.39 Effect of dilutive securities Common stock options and restricted stock units — 936,610 ( 0.02 ) Diluted earnings per share Net earnings available to common shareholders $ 80,084 58,411,222 $ 1.37 Stock options for 1,056,604 shares, exercisable at prices between $ 6.75 and $ 8.57 per share, were outstanding at December 31, 2020 and included in the dilutive earnings per share computation because the exercise price per share was less than the average market price. Stock options for 105,000 shares were anti-dilutive and not included in the earnings per share calculation.
Restrictions On Cash And Due From Banks	12. Restrictions on Cash and Due from Banks Historically, the Bank has been required to maintain reserves against customer demand deposits by keeping cash on hand or balances with the FRB. As a result of the pandemic, the requirement for such reserves has been at least temporarily suspended. Accordingly, the amounts of those required reserves was approximately zero at both December 31, 2022 and 2021.
Other Identifiable Intangible Assets	13. Other Identifiable Intangible Assets In May 2016, the Company purchased approximately $ 60.0 million of lease receivables which resulted in a customer list intangible of $ 3.4 million which is being amortized over a 10 -year period. Amortization expense is $ 340,000 per year ($ 1.1 million over the next five years). The gross carrying value is $ 3.4 million with respective accumulated amortization of $ 2.3 million and $ 1.9 million at December 31, 2022 and December 31, 2021. The purchase price allocation related to this intangible was finalized in 2017 and remained unchanged from the purchase price allocation recorded in 2016 when the purchase was made. In January 2020, the Company purchased McMahon Leasing and subsidiaries for approximately $ 8.7 million which resulted in $ 1.1 million of intangibles. The gross carrying value of $ 1.1 million of intangibles was comprised of a customer list intangible of $ 689,000 , goodwill of $ 263,000 and a trade name valuation of $ 135,000 . The customer list intangible is being amortized over a 12 year period and accumulated amortization was $ 172,000 at December 31, 2022. Amortization expense is $ 57,000 per year ($ 287,000 over the next five years). The gross carrying value and accumulated amortization related to the Company’s intangibles at December 31, 2022 and 2021 are presented below. December 31, 2022 2021 Gross Gross Carrying Accumulated Carrying Accumulated Amount Amortization Amount Amortization (in thousands) Customer list intangibles $ 4,093 $ 2,442 $ 4,093 $ 2,044 Goodwill 263 — 263 — Trade Name 135 — 135 — Total $ 4,491 $ 2,442 $ 4,491 $ 2,044 The approximate future annual amortization of both the Company’s intangible items are as follows (in thousands): Year ending December 31, 2023 $ 398 2024 398 2025 398 2026 173 2027 57 Thereafter 227 $ 1,651
Derivative Financial Instruments	14. Derivative Financial Instruments The Company has utilized derivatives to hedge interest rate risk on fixed rate loans which are accounted for and recorded on the consolidated balance sheets at fair value. Changes in the fair value of these derivatives, designated as fair value hedges, are recorded in earnings with and in the same consolidated income statement line item as changes in the fair value of the related hedged item, “Net realized and unrealized gains (losses) on commercial loans (at fair value)”. Related loans are no longer held-for-sale, but continue to be accounted for at their estimated fair value. As the Company is no longer originating fixed rate loans for sale, it is no longer entering into new hedges. The Company has left existing hedges in place to provide interest rate protection against a higher rate environment.
Common Stock Repurchase Program	15. Common Stock Repurchase Program In 2020, the Company’s Board of Directors (“the “Board”) authorized a common stock repurchase program (the “2021 Common Stock Repurchase Program”) under which it purchased $ 10.0 million of shares in each quarter of 2021. The total of $ 40.0 million resulted in the repurchase of 1,835,061 shares of common stock at an average price of $ 21.80 per share. On October 20, 2021, the Board approved a revised stock repurchase program for 2022 (the “2022 Common Stock Repurchase Program”) under which it purchased $ 15.0 million of shares in each quarter of 2022. The total of $ 60.0 million resulted in the repurchase of 2,322,256 shares of common stock at an average price of $ 25.84 per share. On October 26, 2022, the Board approved a revised stock repurchase program for 2023 (the “2023 Common Stock Repurchase Program”) under which the Company may repurchase shares for up to $ 25.0 million per quarter in 2023, for a maximum amount of $ 100.0 million. Under the stock repurchase program, the Company intends to repurchase shares through open market purchases, privately-negotiated transactions, block purchases or otherwise in accordance with applicable federal securities laws, including Rule 10b-18 of the Securities Exchange Act of 1934 (“Exchange Act”). Under the 2023 Common Stock Repurchase Program, repurchased shares may be reissued for various corporate purposes, and the program can be terminated at any time.
Long-Term Borrowings	16. Long-term Borrowings The $ 10.0 million and $ 39.5 million respectively outstanding for long-term borrowings at December 31, 2022 and 2021, reflected the proceeds from two loans at the December 21, 2021 date which were sold, in which the Company retained a participating interest that did not qualify for sale accounting. In 2022, one of the loans was repaid.
Revenue Recognition	17. Revenue Recognition The Company’s revenue streams that are in the scope of Accounting Standards Codification (“ASC”) 606 include prepaid and debit card, card payment, interchange, a utomated clearing house (“ACH”) and deposit processing and other fees. The Company recognizes revenue when the performance obligations related to the transfer of goods or services under the terms of a contract are satisfied. Some obligations are satisfied at a point in time while others are satisfied over a period of time. Revenue is recognized as the amount of consideration to which the Company expects to be entitled to in exchange for transferring goods or services to a customer. When consideration includes a variable component, the amount of consideration attributable to variability is included in the transaction price only to the extent it is probable that significant revenue recognized will not be reversed when uncertainty associated with the variable consideration is subsequently resolved. The Company’s contracts generally do not contain terms that require significant judgment to determine the variability impacting the transaction price. A performance obligation is deemed satisfied when the control over goods or services is transferred to the customer. Control is transferred to a customer either at a point in time or over time. To determine when control is transferred at a point in time, the Company considers indicators, including but not limited to the right to payment for the asset, transfer of significant risk and rewards of ownership of the asset and acceptance of the asset by the customer. When control is transferred over a period of time, for different performance obligations, either the input or output method is used to measure progress for the transfer. The measure of progress used to assess completion of the performance obligation varies between performance obligations and may be based on time throughout the period of service or on the value of goods and services transferred to the customer. As each distinct service or activity is performed, the Company transfers control to the customer based on the services performed as the customer simultaneously receives the benefits of those services. This timing of revenue recognition aligns with the resolution of any uncertainty related to variable consideration. Costs incurred to obtain a revenue producing contract generally are expensed when incurred as a practical expedient as the contractual period for the majority of contracts is one year or less. The fees on those revenue streams are generally assessed and collected as the transaction occurs, or on a monthly or quarterly basis. The Company has completed its review of the contracts and other agreements that are within the scope of revenue guidance and did not identify any material changes to the timing or amount of revenue recognition. The Company’s accounting policies did not change materially since the principles of revenue recognition in Accounting Standards Update (“ ASU” or “Update”) 2014-09, “ Revenue from Contracts with Customers ” are largely consistent with previous practices already implemented and applied by the Company. The vast majority of the Company’s services related to its revenues are performed, earned and recognized monthly. The majority of fees the Company earns result from contractual transaction fees paid by third-party sponsors to the Company and monthly service fees. Additionally, the Company earns interchange fees paid through settlement with associations such as Visa, which are also determined on a per transaction basis. The Company records this revenue net of costs such as association fees and interchange transaction charges. The Company also earns monthly fees for the use of its cash in payroll card sponsor ATMs for payroll cardholders. Fees earned by the Company from processing card payments, or from processing ACH payments or other payments are also determined primarily on a per transaction basis. Prepaid and debit card fees primarily include fees for services related to reconciliation, fraud detection, regulatory compliance and other services which are performed and earned daily or monthly and are also billed and collected on a monthly basis. Accordingly, there is no significant component of the services the Company performs or related revenues which are deferred. The Company earns transactional and/or interchange fees on prepaid and debit card accounts when transactions occur and revenue is billed and collected monthly or quarterly. Certain volume or transaction based interchange expenses paid to payment networks such as Visa, reduce revenue which is presented net on the income statement. Card payment and ACH processing fees include transaction fees earned for processing merchant transactions. Revenue is recognized when a cardholder’s transaction is approved and settled, or monthly. ACH processing fees are earned on a per item basis as the transactions are processed for third party clients and are also billed and collected monthly. Service charges on deposit accounts include fees and other charges the Company receives to provide various services, including but not limited to, account maintenance, check writing, wire transfer and other services normally associated with deposit accounts. Revenue for these services is recognized monthly as the services are performed. The Company’s customer contracts do not typically have performance obligations and fees are collected and earned when the transaction occurs. The Company may, from time to time, waive certain fees for customers but generally does not reduce the transaction price to reflect variability for future reversals due to the insignificance of the amounts. Waiver of fees reduces the revenue in the period the waiver is granted to the customer.
Leases	18. Leases The Company determines if an arrangement is a lease at inception. Operating lease right-of-use (“ROU”) assets and operating lease liabilities are included in the Company’s consolidated financial statements. ROU assets represent the Company’s right-of-use of an underlying asset for the lease term, and lease liabilities represent the Company’s obligation to make lease payments pursuant to the Company’s leases. The ROU assets and liabilities are recognized at commencement of the lease based on the present value of lease payments over the lease term. To determine the present value of lease payments, the Company uses its incremental borrowing rate. The lease term may include options to extend or terminate the lease when it is reasonably certain that the Company will exercise that option. Lease expense is recognized on a straight-line basis over the lease term.
Risks And Uncertainties	19. Risks and Uncertainties ASC 275 addresses disclosures when it is reasonably possible that estimates in the financial statements may change in future periods. The ultimate severity of the economic impact of COVID-19 pandemic and virus variants is not known. However, those risks, which could affect loan performance, have been reduced as a result of increased vaccination rates, the significant reopening of the economy and the termination of the Company’s COVID-19 related loan payment deferrals, with related borrowers having resumed making payments in the fourth quarter of 2021.
Senior Debt	20. Senior Debt On August 13, 2020, the Company issued $ 100 million of senior debt with a maturity date of August 15, 2025 , and a 4.75 % interest rate, with interest paid semi-annually on March 15 and September 15. The Senior Notes are the Company’s direct, unsecured and unsubordinated obligations and rank equal in priority with all of the Company’s existing and future unsecured and unsubordinated indebtedness and senior in right of payment to all of the Company’s existing and future subordinated indebtedness.
Recent Accounting Pronouncements	21. Recent Accounting Pronouncements In June 2016, the Financial Accounting Standards Board (“FASB”) issued an update ASU 2016-13 – “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments.” The Update changed the accounting for credit losses on loans and debt securities. For loans and held-to-maturity debt securities, the Update requires a current expected credit loss (“CECL”) approach to determine the allowance for credit losses. CECL requires loss estimates for the remaining estimated life of the financial asset using historical experience, current conditions, and reasonable and supportable forecasts. Also, the Update eliminates the existing guidance for purchased credit impaired loans, but requires an allowance for purchased financial assets with more than insignificant deterioration since origination. In addition, the Update modifies the other-than-temporary impairment model for available-for-sale debt securities to require an allowance for credit losses instead of a direct write-down, which allows for reversal of credit losses in future periods based on improvements in credit. The guidance was effective in the first quarter of 2020 with a cumulative-effect adjustment to retained earnings as of the beginning of the year of adoption. As a result of the Company’s adoption of the guidance in the first quarter of 2020, it recorded a $ 2.4 million charge to retained earnings and an $ 834,000 deferred tax asset, with a corresponding $ 2.6 million increase in the allowance for credit losses and a $ 569,000 increase to other liabilities. The $ 569,000 reflected an allowance on unfunded commitments. In March 2020, the FASB issued ASU 2020-04 which addressed optional expedients and exceptions for applying GAAP to contract modifications and hedging relationships, resulting from the phase-out of the London Inter-Bank Offered Rate (“LIBOR”) reference rate. To maximize management and accounting flexibility for holders of instruments using LIBOR as a benchmark, the guidance permitted a one-time transfer of such instruments from held-to-maturity to available-for-sale. The Company made such a transfer of four LIBOR-based securities, which comprised its held-to-maturity portfolio, in the first quarter of 2020. The Company discontinued LIBOR-based originations in 2021; however, certain financial instruments outstanding are indexed to LIBOR, including non-SBA commercial loans, at fair value, which amounted to $ 354.7 million at December 31, 2022. However, these loans are short-term and are generally expected to be repaid by the June 2023 LIBOR end date. At December 31, 2022, the Company owned $ 12.6 million of LIBOR based securities purchased from previous securitizations, which are also expected to mature before June 2023. When the Company resumed originating non-SBA commercial loans in the third quarter of 2021, which are identified separately under real estate bridge lending, it utilized the secured overnight financing rate (“SOFR”) as the index. In addition, the Company owns collateralized loan obligations (“CLOs”) and U.S. government agency adjustable-rate mortgages which utilize LIBOR based pricing. CLOs, which amounted to $ 335.4 million at December 31, 2022, generally have language regarding an index alternative should LIBOR no longer be available. U.S. government agencies generally have the ability to adjust interest rate indices as necessary on impacted LIBOR based securities, which amounted to $ 58.5 million at December 31, 2022. There is less clarity for the Company’s student loan securities of $ 8.5 million and its subordinated debentures payable of $ 13.4 million at that date, and for which industry standards continue to be considered by trustees and other governing bodies. The Company’s derivative, the notional amount for which totaled $ 6.8 million at December 31, 2022, is an interest rate swap that is documented under a bilateral agreement which contains LIBOR fallback provisions by virtue of counterparty adherence to the 2020 International Swaps and Derivatives Association, Inc.’s LIBOR Fallbacks Protocol. The Company continues to assess the potential impact of the phase-out of LIBOR on all affected accounts and any other potential impacts, and related accounting guidance. In October 2020, the FASB issued ASU 2020-08 which addressed non-refundable fees and other costs related to receivables. This ASU clarifies that an entity should amortize any premium, if applicable, to the next call date, which is the first date when a call option at a specified price becomes exercisable. The amendments in this ASU are effective for fiscal years beginning after December 15, 2020. The Company had previously amortized fees through the next call date and will continue to do so; accordingly, there is no impact on the financial statements. In August 2021, the FASB issued ASU 2021-06. This ASU adds new quarterly disclosures and expands certain annual disclosures to quarterly reporting. Amendments within this ASU are effective for fiscal years ending after December 15, 2021 and the Company will present the quarterly disclosures in “Management’s Discussion and Analysis of Financial Condition and Results of Operations” as specified in the ASU. In March 2022, the FASB issued ASU 2022-02, Financial Instruments-Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures. ASU 2022-02 addresses areas identified by the FASB as part of its post-implementation review of the credit losses standard (ASU 2016-13) that introduced the CECL model. The amendments eliminate the accounting guidance for troubled debt restructurings by creditors that have adopted the CECL model and enhance the disclosure requirements for loan refinancings and restructurings made with borrowers experiencing financial difficulty. The effective date is January 1, 2023. The Company does not expect it will have a material impact on the consolidated financial statements. On March 31, 2022, the Securities and Exchange Commission (“SEC”) issued Staff Accounting Bulletin Number 121 (“SAB 121”). In SAB 121, the SEC staff expressed the views of its staff regarding the accounting for obligations to safeguard crypto-assets an entity holds for platform users. As the Company neither holds crypto-assets or recognizes such assets as loan collateral, this release will not impact its consolidated financial statements or disclosures .

Summary Of Significant Accoun_3

Summary Of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2022
Summary Of Significant Accounting Policies [Abstract]
Earnings Per Share	The following tables show the Company’s earnings per share for the periods presented: Year ended December 31, 2022 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share Net earnings available to common shareholders $ 130,213 56,556,303 $ 2.30 Effect of dilutive securities Common stock options and restricted stock units — 712,643 ( 0.03 ) Diluted earnings per share Net earnings available to common shareholders $ 130,213 57,268,946 $ 2.27 Stock options for 480,104 shares, exercisable at prices between $ 6.87 and $ 18.81 per share, were outstanding at December 31, 2022 and included in the dilutive earnings per share computation because the exercise price per share was less than the average market price. Stock options for 100,000 shares were anti-dilutive and not included in the earnings per share calculation. Year ended December 31, 2021 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share from continuing operations Net earnings available to common shareholders $ 110,441 57,190,311 $ 1.93 Effect of dilutive securities Common stock options and restricted stock units — 1,640,126 ( 0.05 ) Diluted earnings per share Net earnings available to common shareholders $ 110,441 58,830,437 $ 1.88 Year ended December 31, 2021 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share from discontinued operations Net earnings available to common shareholders $ 212 57,190,311 $ — Effect of dilutive securities Common stock options and restricted stock units — 1,640,126 — Diluted earnings per share Net earnings available to common shareholders $ 212 58,830,437 $ — Year ended December 31, 2021 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share Net earnings available to common shareholders $ 110,653 57,190,311 $ 1.93 Effect of dilutive securities Common stock options and restricted stock units — 1,640,126 ( 0.05 ) Diluted earnings per share Net earnings available to common shareholders $ 110,653 58,830,437 $ 1.88 Stock options for 450,104 shares, exercisable at prices between $ 6.87 and $ 18.81 per share, were outstanding at December 31, 2021 and included in the dilutive earnings per share computation because the exercise price per share was less than the average market price. Stock options for 100,000 shares were anti-dilutive and not included in the earnings per share calculation. Year ended December 31, 2020 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share from continuing operations Net earnings available to common shareholders $ 80,596 57,474,612 $ 1.40 Effect of dilutive securities Common stock options and restricted stock units — 936,610 ( 0.02 ) Diluted earnings per share Net earnings available to common shareholders $ 80,596 58,411,222 $ 1.38 Year ended December 31, 2020 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic loss per share from discontinued operations Net loss $ ( 512 ) 57,474,612 $ ( 0.01 ) Effect of dilutive securities Common stock options and restricted stock units — 936,610 — Diluted loss per share Net loss $ ( 512 ) 58,411,222 $ ( 0.01 ) Year ended December 31, 2020 Income Shares Per share (numerator) (denominator) amount (dollars in thousands except per share data) Basic earnings per share Net earnings available to common shareholders $ 80,084 57,474,612 $ 1.39 Effect of dilutive securities Common stock options and restricted stock units — 936,610 ( 0.02 ) Diluted earnings per share Net earnings available to common shareholders $ 80,084 58,411,222 $ 1.37
Summary Of Gross Carrying Value And Accumulated Amortization Related To The Company's Intangible Items	December 31, 2022 2021 Gross Gross Carrying Accumulated Carrying Accumulated Amount Amortization Amount Amortization (in thousands) Customer list intangibles $ 4,093 $ 2,442 $ 4,093 $ 2,044 Goodwill 263 — 263 — Trade Name 135 — 135 — Total $ 4,491 $ 2,442 $ 4,491 $ 2,044
Schedule Of Approximate Future Annual Amortization Of The Company's Intangible Items	Year ending December 31, 2023 $ 398 2024 398 2025 398 2026 173 2027 57 Thereafter 227 $ 1,651

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2022
Investment Securities [Abstract]
Schedule Of Investment Securities Classified As Available-for-sale And Held-to-maturity	Available-for-sale December 31, 2022 Gross Gross Amortized unrealized unrealized Fair cost gains losses value U.S. Government agency securities $ 29,859 $ 17 $ ( 1,495 ) $ 28,381 Asset-backed securities * 343,885 — ( 9,876 ) 334,009 Tax-exempt obligations of states and political subdivisions 3,560 — ( 61 ) 3,499 Taxable obligations of states and political subdivisions 45,668 52 ( 1,709 ) 44,011 Residential mortgage-backed securities 150,135 148 ( 10,463 ) 139,820 Collateralized mortgage obligation securities 43,858 — ( 2,075 ) 41,783 Commercial mortgage-backed securities 179,977 — ( 13,164 ) 166,813 Corporate debt securities 10,000 — ( 2,300 ) 7,700 $ 806,942 $ 217 $ ( 41,143 ) $ 766,016 December 31, 2022 Gross Gross Amortized unrealized unrealized Fair * Asset-backed securities as shown above cost gains losses value Federally insured student loan securities $ 8,488 $ — $ ( 144 ) $ 8,344 Collateralized loan obligation securities 335,397 — ( 9,732 ) 325,665 $ 343,885 $ — $ ( 9,876 ) $ 334,009 Available-for-sale December 31, 2021 Gross Gross Amortized unrealized unrealized Fair cost gains losses value U.S. Government agency securities $ 36,182 $ 1,167 $ ( 47 ) $ 37,302 Asset-backed securities * 360,332 327 ( 241 ) 360,418 Tax-exempt obligations of states and political subdivisions 3,559 172 — 3,731 Taxable obligations of states and political subdivisions 45,984 2,422 — 48,406 Residential mortgage-backed securities 179,778 4,804 ( 281 ) 184,301 Collateralized mortgage obligation securities 60,778 1,083 — 61,861 Commercial mortgage-backed securities 248,599 4,106 ( 1,629 ) 251,076 Corporate debt securities 10,000 — ( 3,386 ) 6,614 $ 945,212 $ 14,081 $ ( 5,584 ) $ 953,709 December 31, 2021 Gross Gross Amortized unrealized unrealized Fair * Asset-backed securities as shown above cost gains losses value Federally insured student loan securities $ 22,518 $ 13 $ ( 73 ) $ 22,458 Collateralized loan obligation securities 337,814 314 ( 168 ) 337,960 $ 360,332 $ 327 $ ( 241 ) $ 360,418
Amortized Cost And Fair Value Of Investment Securities By Contractual Maturity	Available-for-sale Amortized Fair cost value Due before one year $ 17,722 $ 17,583 Due after one year through five years 143,612 136,899 Due after five years through ten years 236,414 228,035 Due after ten years 409,194 383,499 $ 806,942 $ 766,016
Available-for-sale And Held-to-maturity Securities, Continuous Unrealized Loss Position	The table below indicates the length of time individual securities had been in a continuous unrealized loss position at December 31, 2022 (in thousands): Available-for-sale Less than 12 months 12 months or longer Total Number of securities Fair Value Unrealized losses Fair Value Unrealized losses Fair Value Unrealized losses Description of Securities U.S. Government agency securities 12 $ 19,523 $ ( 1,461 ) $ 2,269 $ ( 34 ) $ 21,792 $ ( 1,495 ) Asset-backed securities 55 125,938 ( 3,027 ) 208,071 ( 6,849 ) 334,009 ( 9,876 ) Tax-exempt obligations of states and political subdivisions 4 3,499 ( 61 ) — — 3,499 ( 61 ) Taxable obligations of states and political subdivisions 26 39,710 ( 1,709 ) — — 39,710 ( 1,709 ) Residential mortgage-backed securities 135 101,685 ( 6,198 ) 28,843 ( 4,265 ) 130,528 ( 10,463 ) Collateralized mortgage obligation securities 22 41,456 ( 2,057 ) 327 ( 18 ) 41,783 ( 2,075 ) Commercial mortgage-backed securities 43 124,953 ( 7,683 ) 41,860 ( 5,481 ) 166,813 ( 13,164 ) Corporate debt securities 1 — — 7,700 ( 2,300 ) 7,700 ( 2,300 ) Total unrealized loss position investment securities 298 $ 456,764 $ ( 22,196 ) $ 289,070 $ ( 18,947 ) $ 745,834 $ ( 41,143 ) The table below indicates the length of time individual securities had been in a continuous unrealized loss position at December 31, 2021 (in thousands): Available-for-sale Less than 12 months 12 months or longer Total Number of securities Fair Value Unrealized losses Fair Value Unrealized losses Fair Value Unrealized losses Description of Securities U.S. Government agency securities 2 $ — $ — $ 2,700 $ ( 47 ) $ 2,700 $ ( 47 ) Asset-backed securities 42 243,598 ( 235 ) 1,197 ( 6 ) 244,795 ( 241 ) Residential mortgage-backed securities 30 21,640 ( 159 ) 5,160 ( 122 ) 26,800 ( 281 ) Commercial mortgage-backed securities 12 3,334 ( 43 ) 91,355 ( 1,586 ) 94,689 ( 1,629 ) Corporate debt securities 1 — — 6,614 ( 3,386 ) 6,614 ( 3,386 ) Total unrealized loss position investment securities 87 $ 268,572 $ ( 437 ) $ 107,026 $ ( 5,147 ) $ 375,598 $ ( 5,584 )

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2022
Loans [Abstract]
Major Classifications Of Loans	December 31, December 31, 2022 2021 SBL non-real estate $ 108,954 $ 147,722 SBL commercial mortgage 474,496 361,171 SBL construction 30,864 27,199 Small business loans 614,314 536,092 Direct lease financing 632,160 531,012 SBLOC / IBLOC * 2,332,469 1,929,581 Advisor financing ** 172,468 115,770 Real estate bridge lending 1,669,031 621,702 Other loans*** 61,679 5,014 5,482,121 3,739,171 Unamortized loan fees and costs 4,732 8,053 Total loans, net of unamortized loan fees and costs $ 5,486,853 $ 3,747,224 December 31, December 31, 2022 2021 SBL loans, including costs net of deferred fees of $ 7,327 and $ 5,345 for December 31, 2022 and December 31, 2021, respectively $ 621,641 $ 541,437 SBL loans included in commercial loans, at fair value 146,717 199,585 Total small business loans **** $ 768,358 $ 741,022 * Securities Backed Lines of Credit, or SBLOC, are collateralized by marketable securities, while Insurance Backed Lines of Credit, or IBLOC, are collateralized by the cash surrender value of life insurance policies. At December 31, 2022 and December 31, 2021, respectively, IBLOC loans amounted to $ 1.12 billion and $ 788.3 million. ** In 2020, the Bank began originating loans to investment advisors for purposes of debt refinance, acquisition of another firm or internal succession. Maximum loan amounts are subject to 70 % of the estimated business enterprise value, based on a third-party valuation, but may be increased depending upon the debt service coverage ratio. Personal guarantees and blanket business liens are obtained as appropriate. *** Included in the table above under Other loans are demand deposit overdrafts reclassified as loan balances totaling $ 2.6 million and $ 322,000 at December 31, 2022 and December 31, 2021, respectively. Estimated overdraft charge-offs and recoveries are reflected in the allowance for credit losses and have been immaterial. December 31, 2022 includes $ 50.4 million of balances previously included in discontinued assets, including $ 18.8 million of residential mortgage loans, with the balance comprised of commercial loans. **** The small business loans held at fair value are comprised of the government guaranteed portion of SBA 7a loans at the dates indicated (in thousands).
Impaired Loans	December 31, 2022 Recorded investment Unpaid principal balance Related allowance Average recorded investment Interest income recognized Without an allowance recorded SBL non-real estate $ 400 $ 2,762 $ — $ 388 $ — SBL commercial mortgage — — — 45 — Direct lease financing — — — 52 — Legacy commercial real estate 3,552 3,552 — 1,421 150 Consumer - home equity 295 295 — 306 9 With an allowance recorded SBL non-real estate 974 974 ( 525 ) 1,237 7 SBL commercial mortgage 1,423 1,423 ( 441 ) 1,090 — SBL construction 3,386 3,386 ( 153 ) 1,245 — Direct lease financing 3,550 3,550 ( 933 ) 710 — Other loans 692 692 ( 15 ) 1,923 — Total SBL non-real estate 1,374 3,736 ( 525 ) 1,625 7 SBL commercial mortgage 1,423 1,423 ( 441 ) 1,135 — SBL construction 3,386 3,386 ( 153 ) 1,245 — Direct lease financing 3,550 3,550 ( 933 ) 762 — Legacy commercial real estate and Other loans 4,244 4,244 ( 15 ) 3,344 150 Consumer - home equity 295 295 — 306 9 $ 14,272 $ 16,634 $ ( 2,067 ) $ 8,417 $ 166 December 31, 2021 Recorded investment Unpaid principal balance Related allowance Average recorded investment Interest income recognized Without an allowance recorded SBL non-real estate $ 409 $ 3,414 $ — $ 412 $ 5 SBL commercial mortgage 223 246 — 1,717 — Direct lease financing 254 254 — 430 — Consumer - home equity 320 320 — 458 8 With an allowance recorded SBL non-real estate 1,478 1,478 ( 829 ) 2,267 13 SBL commercial mortgage 589 589 ( 115 ) 2,634 — SBL construction 710 710 ( 34 ) 711 — Direct lease financing — — — 132 — Consumer - other — — — 5 — Total SBL non-real estate 1,887 4,892 ( 829 ) 2,679 18 SBL commercial mortgage 812 835 ( 115 ) 4,351 — SBL construction 710 710 ( 34 ) 711 — Direct lease financing 254 254 — 562 — Consumer - other — — — 5 — Consumer - home equity 320 320 — 458 8 $ 3,983 $ 7,011 $ ( 978 ) $ 8,766 $ 26
Summary Of Non-Accrual Loans With And Without Allowance For Credit Losses	December 31, 2022 December 31, 2021 Non-accrual loans with a related ACL Non-accrual loans without a related ACL Total non-accrual loans Total non-accrual loans SBL non-real estate $ 849 $ 400 $ 1,249 $ 1,313 SBL commercial mortgage 1,423 — 1,423 812 SBL construction 3,386 — 3,386 710 Direct leasing 3,550 — 3,550 254 Other loans 692 — 692 — Consumer - home equity — 56 56 72 $ 9,900 $ 456 $ 10,356 $ 3,161
Non-accrual Loans, Loans Past Due 90 Days And Other Real Estate Owned And Delinquent Loans By Loan Category	December 31, 2022 2021 (in thousands) Non-accrual loans SBL non-real estate $ 1,249 $ 1,313 SBL commercial mortgage 1,423 812 SBL construction 3,386 710 Direct leasing 3,550 254 Other loans 692 — Consumer - home equity 56 72 Total non-accrual loans 10,356 3,161 Loans past due 90 days or more and still accruing 7,775 461 Total non-performing loans 18,131 3,622 Other real estate owned 21,210 18,873 Total non-performing assets $ 39,341 $ 22,495
Loans Modified And Considered Troubled Debt Restructurings	December 31, 2022 December 31, 2021 Number Pre-modification recorded investment Post-modification recorded investment Number Pre-modification recorded investment Post-modification recorded investment SBL non-real estate 8 $ 650 $ 650 9 $ 1,231 $ 1,231 SBL commercial mortgage 1 834 834 — — — Legacy commercial real estate 1 3,552 3,552 — — — Consumer - home equity 1 239 239 1 248 248 Total (1) 11 $ 5,275 $ 5,275 10 $ 1,479 $ 1,479 (1) Troubled debt restructurings include non-accrual loans of $ 1.4 million and $ 656,000 at December 31, 2022 and December 31, 2021, respectively.
Loans Modified As Troubled Debt Restructurings	December 31, 2022 December 31, 2021 Adjusted interest rate Extended maturity Combined rate and maturity Adjusted interest rate Extended maturity Combined rate and maturity SBL non-real estate $ — $ — $ 650 $ — $ — $ 1,231 SBL commercial mortgage — — 834 — — — Legacy commercial real estate — — 3,552 — — — Consumer - home equity — — 239 — — 248 Total (1) $ — $ — $ 5,275 $ — $ — $ 1,479 (1) Troubled debt restructurings include non-accrual loans of $ 1.4 million and $ 656,000 at December 31, 2022 and December 31, 2021, respectively.
Summary Of Restructured Loans Within The Last Twelve Months That Have Subsequently Defaulted	December 31, 2022 Number Pre-modification recorded investment SBL non-real estate 3 $ 1,029 Total 3 $ 1,029
Summary Of Gross Loans Held For Investment By Year Of Origination And Internally Assigned Credit Grade	As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving loans at amortized cost Total SBL non real estate Non-rated* $ 2,075 $ 4,266 $ 273 $ — $ — $ — $ — $ 6,614 Pass 32,402 30,388 13,432 5,599 3,931 4,555 — 90,307 Special mention — — — — 585 284 — 869 Substandard — — 320 242 15 642 — 1,219 Total SBL non-real estate 34,477 34,654 14,025 5,841 4,531 5,481 — 99,009 SBL commercial mortgage Non-rated 10,600 — — — — — — 10,600 Pass 116,647 97,968 64,388 64,692 42,461 68,193 — 454,349 Special mention — — — 1,853 — 630 — 2,483 Substandard — — 141 — 834 589 — 1,564 Total SBL commercial mortgage 127,247 97,968 64,529 66,545 43,295 69,412 — 468,996 SBL construction Pass 3,153 11,650 9,712 2,964 — — — 27,479 Substandard — 2,676 — — — 710 — 3,386 Total SBL construction 3,153 14,326 9,712 2,964 — 710 — 30,865 Direct lease financing Non-rated 73,424 30,900 8,245 1,153 429 108 — 114,259 Pass 254,063 129,763 71,043 38,038 13,722 4,291 — 510,920 Special mention — — 61 — — — — 61 Substandard 2,854 2,324 1,658 84 — — — 6,920 Total direct lease financing 330,341 162,987 81,007 39,275 14,151 4,399 — 632,160 SBLOC Non-rated — — — — — — 4,284 4,284 Pass — — — — — — 1,205,098 1,205,098 Total SBLOC — — — — — — 1,209,382 1,209,382 IBLOC Non-rated — — — — — — 555,219 555,219 Pass — — — — — — 567,868 567,868 Total IBLOC — — — — — — 1,123,087 1,123,087 Advisor financing Non-rated 3,318 909 — — — — — 4,227 Pass 68,078 64,498 35,665 — — — — 168,241 Total advisor financing 71,396 65,407 35,665 — — — — 172,468 Real estate bridge lending Pass 1,009,708 659,323 — — — — — 1,669,031 Total real estate bridge lending 1,009,708 659,323 — — — — — 1,669,031 Other loans Non-rated 4,374 29 37 — — 16,326 488 21,254 Pass 264 366 2,611 2,750 2,820 41,571 1,187 51,569 Special mention — — — — — 3,552 — 3,552 Substandard — — — — — 692 56 748 Total other loans** 4,638 395 2,648 2,750 2,820 62,141 1,731 77,123 $ 1,580,960 $ 1,035,060 $ 207,586 $ 117,375 $ 64,797 $ 142,143 $ 2,334,200 $ 5,482,121 Unamortized loan fees and costs — — — — — — — 4,732 Total $ 5,486,853 * Included in the SBL non real estate non-rated total of $ 6.6 million, were $ 4.5 million of Paycheck Protection Program, or (“PPP”) loans which are government guaranteed. ** Included in Other loans are $ 15.4 million of SBA loans purchased for CRA purposes as of December 31, 2022. These loans are classified as SBL in the Company’s loan table which classify loans by type, as opposed to risk characteristics. As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving loans at amortized cost Total SBL non real estate Non-rated* $ 39,318 $ 7,257 $ — $ — $ — $ — $ — $ 46,575 Pass 34,172 15,934 8,794 8,988 5,088 9,809 — 82,785 Special mention — — 99 666 — 859 — 1,624 Substandard — — — 18 848 895 — 1,761 Total SBL non-real estate 73,490 23,191 8,893 9,672 5,936 11,563 — 132,745 SBL commercial mortgage Non-rated 10,963 — — — — — — 10,963 Pass 79,166 57,554 75,290 43,820 37,607 46,016 — 339,453 Special mention — 141 1,853 — — 247 — 2,241 Substandard — — — — — 812 — 812 Total SBL commercial mortgage 90,129 57,695 77,143 43,820 37,607 47,075 — 353,469 SBL construction Pass 6,869 12,629 1,880 5,111 — — — 26,489 Substandard — — — — — 710 — 710 Total SBL construction 6,869 12,629 1,880 5,111 — 710 — 27,199 . Direct lease financing Non-rated 56,152 13,271 1,933 1,115 355 104 — 72,930 Pass 214,780 145,256 58,337 26,662 8,574 2,105 — 455,714 Special mention — — — 22 38 — — 60 Substandard 526 1,679 38 22 31 12 — 2,308 Total direct lease financing 271,458 160,206 60,308 27,821 8,998 2,221 — 531,012 SBLOC Non-rated — — — — — — 3,176 3,176 Pass — — — — — — 1,138,140 1,138,140 Total SBLOC — — — — — — 1,141,316 1,141,316 IBLOC Non-rated — — — — — — 346,604 346,604 Pass — — — — — — 441,661 441,661 Total IBLOC — — — — — — 788,265 788,265 Advisor financing Non-rated 38,330 258 — — — — — 38,588 Pass 33,776 43,406 — — — — — 77,182 Total advisor financing 72,106 43,664 — — — — — 115,770 Real estate bridge lending Pass 621,702 — — — — — — 621,702 Total real estate bridge lending 621,702 — — — — — — 621,702 Other loans Non-rated 396 152 — — — 216 656 1,420 Pass 373 113 3,081 4,553 5,212 11,604 1,264 26,200 Substandard — — — — — — 73 73 Total other loans** 769 265 3,081 4,553 5,212 11,820 1,993 27,693 Total $ 1,136,523 $ 297,650 $ 151,305 $ 90,977 $ 57,753 $ 73,389 $ 1,931,574 $ 3,739,171 Unamortized loan fees and costs — — — — — — — 8,053 Total $ 3,747,224 * Included in the SBL non real estate non-rated total of $ 46.6 million, were $ 44.8 million of PPP loans which are government guaranteed. ** Included in Other loans are $ 22.7 million of SBA loans purchased for CRA purposes as of December 31, 2021. These loans are classified as SBL in the Company’s loan table which classify loans by type, as opposed to risk characteristics.
Changes In Allowance For Loan And Lease Losses By Loan Category	December 31, 2022 SBL non-real estate SBL commercial mortgage SBL construction Direct lease financing SBLOC / IBLOC Advisor financing Real estate bridge lending Other loans Unallocated** Total Beginning balance 1/1/2022 $ 5,415 $ 2,952 $ 432 $ 5,817 $ 964 $ 868 $ 1,181 $ 177 $ — $ 17,806 Charge-offs ( 885 ) — — ( 576 ) — — — — — ( 1,461 ) Recoveries 140 — — 124 — — — 24 — 288 Provision (credit)* 358 ( 367 ) 133 2,607 203 425 1,940 442 — 5,741 Ending balance $ 5,028 $ 2,585 $ 565 $ 7,972 $ 1,167 $ 1,293 $ 3,121 $ 643 $ — $ 22,374 Ending balance: Individually evaluated for expected credit loss $ 525 $ 441 $ 153 $ 933 $ — $ — $ — $ 15 $ — $ 2,067 Ending balance: Collectively evaluated for expected credit loss $ 4,503 $ 2,144 $ 412 $ 7,039 $ 1,167 $ 1,293 $ 3,121 $ 628 $ — $ 20,307 Loans: Ending balance** $ 108,954 $ 474,496 $ 30,864 $ 632,160 $ 2,332,469 $ 172,468 $ 1,669,031 $ 61,679 $ 4,732 $ 5,486,853 Ending balance: Individually evaluated for expected credit loss $ 1,374 $ 1,423 $ 3,386 $ 3,550 $ — $ — $ — $ 4,539 $ — $ 14,272 Ending balance: Collectively evaluated for expected credit loss $ 107,580 $ 473,073 $ 27,478 $ 628,610 $ 2,332,469 $ 172,468 $ 1,669,031 $ 57,140 $ 4,732 $ 5,472,581 December 31, 2021 SBL non-real estate SBL commercial mortgage SBL construction Direct lease financing SBLOC / IBLOC Advisor financing Real estate bridge lending Other loans Unallocated** Total Beginning balance 1/1/2021 $ 5,060 $ 3,315 $ 328 $ 6,043 $ 775 $ 362 $ — $ 199 $ — $ 16,082 Charge-offs ( 1,138 ) ( 417 ) — ( 412 ) ( 15 ) — — ( 24 ) — ( 2,006 ) Recoveries 51 9 — 58 — — — 1,099 — 1,217 Provision (credit)* 1,442 45 104 128 204 506 1,181 ( 1,097 ) — 2,513 Ending balance $ 5,415 $ 2,952 $ 432 $ 5,817 $ 964 $ 868 $ 1,181 $ 177 $ — $ 17,806 Ending balance: Individually evaluated for expected credit loss $ 829 $ 115 $ 34 $ — $ — $ — $ — $ — $ — $ 978 Ending balance: Collectively evaluated for expected credit loss $ 4,586 $ 2,837 $ 398 $ 5,817 $ 964 $ 868 $ 1,181 $ 177 $ — $ 16,828 Loans: Ending balance** $ 147,722 $ 361,171 $ 27,199 $ 531,012 $ 1,929,581 $ 115,770 $ 621,702 $ 5,014 $ 8,053 $ 3,747,224 Ending balance: Individually evaluated for expected credit loss $ 1,887 $ 812 $ 710 $ 254 $ — $ — $ — $ 320 $ — $ 3,983 Ending balance: Collectively evaluated for expected credit loss $ 145,835 $ 360,359 $ 26,489 $ 530,758 $ 1,929,581 $ 115,770 $ 621,702 $ 4,694 $ 8,053 $ 3,743,241 * The amount shown as the provision for the period, reflects the provision for credit losses for loans, while the income statement provision for credit losses includes the provision for unfunded commitments of $ 1.4 million and $ 597,000 for the years ended December 31, 2022, and 2021, respectively. ** The ending balance for loans in the unallocated column represents deferred costs and fees.
Schedule Of Net Charge-offs, Classified By Year Of The Loan Origination	As of December 31, 2022 2022 2021 2020 2019 2018 Prior Total SBL non-real estate Current period charge-offs $ — $ — $ ( 17 ) $ — $ — $ ( 868 ) $ ( 885 ) Current period recoveries — — 2 — 8 130 140 Current period SBL non-real estate net charge-offs — — ( 15 ) — 8 ( 738 ) ( 745 ) SBL commercial mortgage Current period charge-offs — — — — — — — Current period recoveries — — — — — — — Current period SBL commercial mortgage net charge-offs — — — — — — — SBL construction Current period charge-offs — — — — — — — Current period recoveries — — — — — — — Current period SBL construction net charge-offs — — — — — — — Direct lease financing Current period charge-offs ( 93 ) ( 308 ) ( 150 ) ( 25 ) — — ( 576 ) Current period recoveries — 1 117 6 — — 124 Current period direct lease financing net charge-offs ( 93 ) ( 307 ) ( 33 ) ( 19 ) — — ( 452 ) SBLOC Current period charge-offs — — — — — — — Current period recoveries — — — — — — — Current period SBLOC net charge-offs — — — — — — — IBLOC Current period charge-offs — — — — — — — Current period recoveries — — — — — — — Current period IBLOC net charge-offs — — — — — — — Advisor financing Current period charge-offs — — — — — — — Current period recoveries — — — — — — — Current period advisor financing net charge-offs — — — — — — — Real estate bridge loans Current period charge-offs — — — — — — — Current period recoveries — — — — — — — Current period real estate bridge loans net charge-offs — — — — — — — Other loans Current period charge-offs — — — — — — — Current period recoveries — — — — — 24 24 Current period other loans net charge-offs — — — — — 24 24 Total Current period charge-offs ( 93 ) ( 308 ) ( 167 ) ( 25 ) — ( 868 ) ( 1,461 ) Current period recoveries — 1 119 6 8 154 288 Current period net charge-offs $ ( 93 ) $ ( 307 ) $ ( 48 ) $ ( 19 ) $ 8 $ ( 714 ) $ ( 1,173 )
Scheduled Undiscounted Cash Flows Of Direct Financing Leases	2023 $ 183,098 2024 133,711 2025 119,383 2026 56,862 2027 22,653 2028 and thereafter 3,102 Total undiscounted cash flows 518,809 Residual value * 182,301 Difference between undiscounted cash flows and discounted cash flows ( 68,950 ) Present value of lease payments recorded as lease receivables $ 632,160 * Of the $ 182,301,000 , $ 30,246,000 is not guaranteed by the lessee or other guarantors.
Delinquent Loans By Loan Category	December 31, 2022 30-59 Days 60-89 Days 90+ Days Total Total past due past due still accruing Non-accrual past due Current loans SBL non-real estate $ 1,312 $ 543 $ 346 $ 1,249 $ 3,450 $ 105,504 $ 108,954 SBL commercial mortgage 1,853 5 297 1,423 3,578 470,918 474,496 SBL construction — — — 3,386 3,386 27,478 30,864 Direct lease financing 4,035 2,053 539 3,550 10,177 621,983 632,160 SBLOC / IBLOC 14,782 343 2,869 — 17,994 2,314,475 2,332,469 Advisor financing — — — — — 172,468 172,468 Real estate bridge lending — — — — — 1,669,031 1,669,031 Other loans 330 90 3,724 748 4,892 56,787 61,679 Unamortized loan fees and costs — — — — — 4,732 4,732 $ 22,312 $ 3,034 $ 7,775 $ 10,356 $ 43,477 $ 5,443,376 $ 5,486,853 December 31, 2021 30-59 Days 60-89 Days 90+ Days Total Total past due past due still accruing Non-accrual past due Current loans SBL non-real estate $ 1,375 $ 3,138 $ 441 $ 1,313 $ 6,267 $ 141,455 $ 147,722 SBL commercial mortgage — 220 — 812 1,032 360,139 361,171 SBL construction — — — 710 710 26,489 27,199 Direct lease financing 1,833 692 20 254 2,799 528,213 531,012 SBLOC / IBLOC 5,985 289 — — 6,274 1,923,307 1,929,581 Advisor financing — — — — — 115,770 115,770 Real estate bridge lending — — — — — 621,702 621,702 Other loans — — — 72 72 4,942 5,014 Unamortized loan fees and costs — — — — — 8,053 8,053 $ 9,193 $ 4,339 $ 461 $ 3,161 $ 17,154 $ 3,730,070 $ 3,747,224

Premises And Equipment (Tables)

Premises And Equipment (Tables)	12 Months Ended
	Dec. 31, 2022
Premises And Equipment [Abstract]
Premises And Equipment	December 31, Estimated useful lives 2022 2021 Land - $ 1,732 $ 1,732 Buildings 39 years 3,436 3,436 Furniture, fixtures, and equipment 3 to 12 years 61,747 56,600 Leasehold improvements 6 to 10 years 11,331 11,331 78,246 73,099 Accumulated depreciation ( 59,845 ) ( 56,943 ) $ 18,401 $ 16,156

Time Deposits (Tables)

Time Deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Time Deposits [Abstract]
Scheduled Maturities Of Time Deposits	2023 $ 330,000 2024 — 2025 — 2026 — 2027 — $ 330,000

Variable Interest Entity (VIE)

Variable Interest Entity (VIE) (Tables)	12 Months Ended
	Dec. 31, 2022
Variable Interest Entity [Abstract]
Schedule Of The Total Unpaid Principal Amount Of Assets Held In Private Label Securitization Entities, Including Those In Which The Company Has Continuing Involvement	December 31, 2022 Principal amount outstanding The Company's Assets held in interest Total assets Assets held in nonconsolidated in securitized held by consolidated VIEs with assets in securitization securitization continuing nonconsolidated VIEs (a) VIEs involvement VIEs (b) Commercial mortgage-backed securities CRE2 (c) $ 58,143 $ — $ 58,143 $ 12,574 CRE3 1,939 — 1,939 — CRE4 9,998 — 9,998 — CRE5 35,638 — 35,638 — CRE6 38,242 — 38,242 — December 31, 2021 Principal amount outstanding The Company's Assets held in interest Total assets Assets held in nonconsolidated in securitized held by consolidated VIEs with assets in securitization securitization continuing nonconsolidated VIEs (a) VIEs involvement VIEs Commercial mortgage-backed securities CRE2 $ 76,115 $ — $ 76,115 $ 12,574 CRE3 61,887 — 61,887 — CRE4 48,405 — 48,405 — CRE5 112,832 — 112,832 — CRE6 343,501 — 343,501 51,558 (a) Consists of commercial loans predominantly secured by real estate. (b) The Company’s security purchased from CRE6 was repaid in full during 2022. (c) The entire CRE1 security including the Company’s interests was repaid in full during 2021. As of December 31, 2022, the principal balance of the security purchased from CRE2 was $ 12.6 million. Repayment is expected from the workout or disposition of commercial real estate collateral, after repayment of the one remaining senior tranche. The Company’s $ 12.6 million security has 50 % excess credit support; thus, losses of 50 % of remaining security balances would have to be incurred, prior to any loss on the Company’s security. Additionally, the commercial real estate collateral properties supporting the three remaining loans were re-appraised between 2020 and 2022. The updated appraised value is approximately $ 57.3 million, net of $ 1.7 million due to the servicer. The remaining principal to be repaid on all securities is approximately $ 58.1 million and, as noted, the Company’s security is scheduled to be repaid prior to 50 % of the outstanding securities. However, any future reappraisals could result in further decreases in collateral valuation. While available information indicates that the value of existing collateral will be adequate to repay the security, there can be no assurance that such valuations will be realized upon loan resolutions, and that deficiencies will not exceed the 50 % credit support. Of the remaining three loans, the property collateral for two of the loans is expected to be liquidated through sale. The third loan was originally extended two years to June of 2022 and terms have not yet been reached for another extension, thus putting the loan in maturity default. If not extended by the special servicer, the property will be foreclosed and sold. The property was appraised at $ 25.9 million July 2022 with total exposure in the security of $ 25.0 million. A recent broker opinion of property liquidation value was $ 20.9 million. The existing 50 % credit enhancement continues to provide repayment protection for the Company owned tranche while the servicer continues to advance interest, keeping the CRE-2 securit y current .

Debt (Tables)

Debt (Tables)	12 Months Ended
	Dec. 31, 2022
Debt [Abstract]
Schedule Of Short-term Debt	As of or for the year ended December 31, 2022 2021 2020 (dollars in thousands) Short-term borrowings Balance at year-end $ — $ — $ — Average during the year 60,312 19,958 27,322 Maximum month-end balance 495,000 300,000 140,000 Weighted average rate during the year 2.55 % 0.25 % 0.72 % Rate at December 31 — — —
Schedule Of Securities Sold Under Agreements To Repurchase	As of or for the year ended December 31, 2022 2021 2020 (dollars in thousands) Securities sold under repurchase agreements Balance at year-end $ 42 $ 42 $ 42 Average during the year 41 41 49 Maximum month-end balance 42 42 82 Weighted average rate during the year — — — Rate at December 31 — — —

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Taxes [Abstract]
Schedule Of Components Of The Income Taxes (Benefit)	For the years ended December 31, 2022 2021 2020 (in thousands) Current tax provision Federal $ 29,994 $ 22,364 $ 21,816 State 11,837 9,958 7,222 41,831 32,322 29,038 Deferred tax provision (benefit) Federal 5,206 1,564 ( 966 ) State 664 ( 162 ) ( 384 ) 5,870 1,402 ( 1,350 ) $ 47,701 $ 33,724 $ 27,688
Schedule Of Income Tax Expenses And Statutory Federal Income Tax Rate	For the years ended December 31, 2022 2021 2020 (in thousands) Computed tax expense at statutory rate $ 37,410 $ 30,275 $ 22,740 State taxes 9,499 7,704 5,363 Tax-exempt interest income ( 480 ) ( 566 ) ( 517 ) Meals and entertainment 6 24 24 Civil money penalty 368 — — Other net (deductible) nondeductible items ( 22 ) ( 3,762 ) 254 Valuation allowance - domestic — ( 1,446 ) 587 Other 920 1,495 ( 763 ) $ 47,701 $ 33,724 $ 27,688
Schedule Of Deferred Tax Assets And Liabilities	For the years ended December 31, 2022 2021 (in thousands) Deferred tax assets: Allowance for credit losses $ 5,283 $ 4,031 Non-accrual interest 2,076 1,613 Deferred compensation 625 697 State taxes 1,192 1,857 Nonqualified stock options 747 1,031 Capital loss limitations 8,158 4,158 Tax deductible goodwill 614 1,365 Partnership interest, Walnut St basis difference — 13,737 Operating lease liabilities 1,652 2,156 Fair value adjustment to investments — 817 Loan charges — 3,351 Unrealized losses on investment securities available-for-sale 10,668 — Other 222 544 Total gross deferred tax assets 31,237 35,357 Federal and state valuation allowance ( 8,158 ) ( 16,903 ) Deferred tax liabilities: Unrealized gains on investment securities available-for-sale — 2,207 Discount on Class A notes — 92 Depreciation 2,025 1,743 Right of use asset 1,314 1,745 Fair value adjustment to investments 37 — Total deferred tax liabilities 3,376 5,787 Net deferred tax asset $ 19,703 $ 12,667
Reconciliation Of Unrecognized Tax Benefits	For the years ended December 31, 2022 2021 2020 (in thousands) Beginning balance at January 1 $ 338 $ 338 $ 338 Decreases in tax provisions for prior years ( 338 ) — — Gross unrecognized tax benefits at December 31 $ — $ 338 $ 338

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2022
Stock-Based Compensation [Abstract]
Summary Of Status Of Company's Equity Compensations Plans	Weighted-average remaining Weighted-average contractual Aggregate Options exercise price term (years) intrinsic value (in thousands except per share data) Outstanding at January 1, 2022 550,104 $ 9.67 7.17 $ 8,603,191 Granted 100,000 30.32 9.12 — Exercised ( 58,531 ) 9.48 — 1,321,525 Expired — — — — Forfeited ( 11,469 ) — — — Outstanding at December 31, 2022 580,104 13.25 7.48 8,968,660 Exercisable at December 31, 2022 238,828 $ 8.69 6.74 $ 4,701,983
Summary Of Restricted Stock Units	Weighted-average Average remaining grant date contractual RSUs fair value term (years) Outstanding at January 1, 2022 1,030,124 $ 10.49 1.17 Granted 260,693 28.61 1.84 Vested ( 582,789 ) 10.11 — Forfeited ( 36,332 ) 15.21 — Outstanding at December 31, 2022 671,696 $ 17.78 1.00
Schedule Of Nonvested Options Status	Weighted-average grant date Options fair value Non-Vested at January 1, 2022 357,552 $ 4.63 Granted 100,000 14.01 Vested ( 116,276 ) 4.32 Expired — — Forfeited — — Non-Vested at December 31, 2022 341,276 $ 7.49
Fair Value Of Grant On Date Of Grant Using The Black-Scholes Options Pricing Model	December 31, 2022 2021 2020 Risk-free interest rate 1.94 % 1.19 % 0.68 % Expected dividend yield — — — Expected volatility 45.1 % 45.6 % 45.2 % Expected lives (years) 6.3 6.3 6.3

Commitments And Contingencies (

Commitments And Contingencies (Tables)	12 Months Ended
	Dec. 31, 2022
Commitments And Contingencies [Abstract]
Schedule Of Future Minimum Annual Rental Payments	Year ending December 31, 2023 $ 3,402 2024 3,847 2025 2,925 2026 1,375 2027 1,374 Thereafter 16,478 $ 29,401

Financial Instruments With Of_2

Financial Instruments With Off-Balance-Sheet Risk And Concentrations Of Credit Risk (Tables)	12 Months Ended
	Dec. 31, 2022
Financial Instruments With Off-Balance-Sheet Risk And Concentrations Of Credit Risk [Abstract]
Schedule Of Contract Amounts And Maturity Term Of Credit Commitment	December 31, 2022 2021 (in thousands) Financial instruments whose contract amounts represent credit risk Commitments to extend credit $ 1,980,154 $ 2,154,352 Standby letters of credit 1,698 1,698 $ 1,981,852 $ 2,156,050

Fair Value Of Financial Instr_2

Fair Value Of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Carrying Amount And Estimated Fair Value Of Assets And Liabilities	December 31, 2022 Quoted prices Significant in active other Significant markets for observable unobservable Carrying Estimated identical assets inputs inputs amount fair value (Level 1) (Level 2) (Level 3) (in thousands) Investment securities, available-for-sale $ 766,016 $ 766,016 $ — $ 745,993 $ 20,023 Federal Home Loan Bank, Atlantic Central Bankers Bank, and Federal Reserve Bank stock 12,629 12,629 — — 12,629 Commercial loans, at fair value 589,143 589,143 — — 589,143 Loans, net of deferred loan fees and costs 5,486,853 5,462,948 — — 5,462,948 Interest rate swaps, asset 408 408 — 408 — Demand and interest checking 6,559,617 6,559,617 — 6,559,617 — Savings and money market 140,496 140,496 — 140,496 — Senior debt 99,050 93,871 — 93,871 — Time deposits 330,000 330,000 — 330,000 — Subordinated debentures 13,401 10,067 — — 10,067 Securities sold under agreements to repurchase 42 42 42 — — December 31, 2021 Quoted prices Significant in active other Significant markets for observable unobservable Carrying Estimated identical assets inputs inputs amount fair value (Level 1) (Level 2) (Level 3) (in thousands) Investment securities, available-for-sale $ 953,709 $ 953,709 $ — $ 934,678 $ 19,031 Federal Home Loan Bank and Atlantic Central Bankers Bank stock 1,663 1,663 — — 1,663 Commercial loans, at fair value 1,388,416 1,388,416 — — 1,388,416 Loans, net of deferred loan fees and costs 3,747,224 3,745,548 — — 3,745,548 Assets held-for-sale from discontinued operations 3,268 3,268 — — 3,268 Interest rate swaps, liability 553 553 — 553 — Demand and interest checking 5,561,365 5,561,365 — 5,561,365 — Savings and money market 415,546 415,546 — 415,546 — Senior debt 98,682 101,980 — 101,980 — Subordinated debentures 13,401 8,815 — — 8,815 Securities sold under agreements to repurchase 42 42 42 — —
Changes In Company's Level 3 Assets	The Company’s Level 3 asset activity for the categories shown for the years 2022 and 2021 is as follows (in thousands): Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Available-for-sale Commercial loans, securities at fair value December 31, 2022 December 31, 2021 December 31, 2022 December 31, 2021 Beginning balance $ 19,031 $ 178,951 $ 1,388,416 $ 1,810,812 Transfers from investment in unconsolidated entity — — — 22,926 Transfers from assets held-for-sale from discontinued operations — — — 61,580 Transfers to loans, net — — ( 61,580 ) — Total net (losses) or gains (realized/unrealized) Included in earnings — ( 44 ) 12,570 13,214 Included in other comprehensive loss 992 ( 1,422 ) — — Purchases, issuances, sales and settlements Issuances — — 66,067 127,765 Settlements — ( 158,454 ) ( 816,330 ) ( 647,881 ) Ending balance $ 20,023 $ 19,031 $ 589,143 $ 1,388,416 Total losses year to date included in earnings attributable to the change in unrealized gains or losses relating to assets still held at the reporting date as shown above. $ — $ — $ ( 3,492 ) $ ( 2,133 ) Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Investment in Assets held-for-sale unconsolidated entity from discontinued operations December 31, 2022 December 31, 2021 December 31, 2022 December 31, 2021 Beginning balance $ — $ 31,294 $ 3,268 $ 113,650 Transfers to commercial loans, at fair value — ( 22,926 ) — ( 61,580 ) Transfers to other real estate owned — ( 2,145 ) — ( 17,343 ) Total (losses) or gains (realized/unrealized) Included in earnings — — — 1,102 Purchases, issuances, sales, settlements and charge-offs Issuances — — — 5,222 Sales — — — ( 2,020 ) Settlements — ( 6,223 ) ( 3,268 ) ( 35,750 ) Charge-offs — — — ( 13 ) Ending balance $ — $ — $ — $ 3,268 Total losses year to date included in earnings attributable to the change in unrealized gains or losses relating to assets still held at the reporting date as shown above. $ — $ — $ — $ 566
Schedule Of Other Real Estate Owned	December 31, 2022 December 31, 2021 Beginning balance $ 18,873 $ — Transfers from investment in unconsolidated entity — 2,145 Sales ( 2,343 ) ( 615 ) Transfers from commercial loans, at fair value 4,680 — Transfers from discontinued operations — 17,343 Ending balance $ 21,210 $ 18,873
Fair Value Inputs, Assets, Quantitative Information	Fair value at Range at Weighted average at Level 3 instruments only December 31, 2022 Valuation techniques Unobservable inputs December 31, 2022 December 31, 2022 Commercial mortgage-backed investment security (a) $ 12,323 Discounted cash flow Discount rate 12.71 % 12.71 % Insurance liquidating trust preferred security (b) 7,700 Discounted cash flow Discount rate 11.50 % 11.50 % Federal Home Loan Bank, Atlantic Central Bankers Bank, and Federal Reserve Bank stock 12,629 Cost N/A N/A N/A Loans, net of deferred loan fees and costs (c) 5,462,948 Discounted cash flow Discount rate 5.65 %- 11.00 % 6.86 % Commercial - SBA (d) 146,717 Discounted cash flow Discount rate 5.57 %- 6.25 % 6.17 % Non-SBA CRE - fixed (e) 28,695 Discounted cash flow and appraisal Discount rate 8.36 %- 11.65 % 10.31 % Non-SBA CRE - floating (f) 413,731 Discounted cash flow Discount rate 7.07 %- 17.20 % 7.90 % Commercial loans, at fair value 589,143 Subordinated debentures (g) 10,067 Discounted cash flow Discount rate 11.50 % 11.50 % Other real estate owned (h) 21,210 Appraised value N/A N/A N/A Fair value at Range at Weighted average at Level 3 instruments only December 31, 2021 Valuation techniques Unobservable inputs December 31, 2021 December 31, 2021 Commercial mortgage-backed investment securities $ 12,417 Discounted cash flow Discount rate 8.00 % 8.00 % Insurance liquidating trust preferred security 6,614 Discounted cash flow Discount rate 7.00 % 7.00 % Federal Home Loan Bank and Atlantic Central Bankers Bank stock 1,663 Cost N/A N/A N/A Loans, net of deferred loan fees and costs 3,745,548 Discounted cash flow Discount rate 1.00 % - 7.00 % 3.70 % Commercial - SBA 199,585 Discounted cash flow Discount rate 1.04 % - 2.12 % $ 103.40 Non-SBA CRE - fixed 79,864 Discounted cash flow Discount rate 5.31 %- 7.43 % 6.26 % Non-SBA CRE - floating 1,047,387 Discounted cash flow Discount rate 3.96 %- 10.20 % 4.96 % Other loans 61,580 Discounted cash flow Discount rate 3.18 %- 6.80 % 4.36 % Commercial loans, at fair value 1,388,416 Assets held-for-sale from discontinued operations 3,268 Discounted cash flow Discount rate 3.18 %- 6.80 % 4.36 % Subordinated debentures 8,815 Discounted cash flow Discount rate 7.00 % 7.00 % Other real estate owned 18,873 Appraised value N/A N/A N/A The valuations for each of the instruments above, as of the balance sheet date, are sensitive to judgments, assumptions and uncertainties, changes in which could have a significant impact on such valuations. All weighted averages at December 31, 2022 were calculated using the discount rate for each individual security or loan weighted by its par value, except for SBA loans. For SBA loans, traders’ pricing indications for pools determined by date of loan origination were weighted. For commercial loans recorded at fair value and assets held-for-sale from discontinued operations, changes in fair value are reflected in the income statement. Changes in the fair value of securities which are unrelated to credit are recorded through equity. Changes in the value of subordinated debentures are a disclosure item, without impact on the financial statements. Changes in the fair value of loans recorded at amortized cost which are unrelated to credit are also a disclosure item, without impact on the financial statements. The notes below refer to the December 31, 2022 table. a) Commercial mortgage-backed investment security, consisting of a single Bank issued CRE security, is valued using discounted cash flow analysis. The discount rate and prepayment rate applied are based upon market observations and actual experience for comparable securities and implicitly assume market averages for defaults and loss severities. The security has significant credit enhancement, or protection from other tranches in the issue, which limits the valuation exposure to credit losses. Nonetheless, increases in expected loss severities on the loans underlying the issue could reduce its value. In market environments in which investors demand greater yield compensation for credit risk, the discount rate applied would ordinarily be higher and the valuation lower. Changes in prepayments and loss experience could also change the interest earned on this holding in future periods and impact its fair value. As a single security, the weighted average rate shown is the actual rate applied to the security. b) Insurance liquidating trust preferred security is a single debenture which is valued using discounted cash flow analysis. The discount rate used is based on the market rate on comparable relatively illiquid instruments and credit analysis. A change in the liquidating trust’s ability to repay the note, or an increase in interest rates, particularly for privately placed debentures, would affect the discount rate and thus the valuation. As a single security, the weighted average rate shown is the actual rate applied to the security. c) Loans, net of deferred fees and costs are valued using discounted cash flow analysis. Discount rates are based upon available information for estimated current origination rates for each loan type. Origination rates may fluctuate based upon changes in the risk free (Treasury) rate and credit experience for each loan type. d) Commercial-SBA Loans are comprised of the government guaranteed portion of SBA insured loans. Their valuation is based upon the yield derived from dealer pricing indications for guaranteed pools, adjusted for seasoning and prepayments. A limited number of broker/dealers originate the pooled securities for which the loans are purchased and as a result, prices can fluctuate based on such limited market demand, although the government guarantee has resulted in consistent historical demand. Valuations are impacted by prepayment assumptions resulting from both voluntary payoffs and defaults. Such assumptions for both poolable and seasoned loans are based on estimates arrived at using actual historical data for similar loans . e) Non-SBA CRE-fixed are fixed rate non-SBA commercial real estate mortgages. These loans are fair valued by a third party, based upon discounting at market rates for similar loans. Discount rates used in applying discounted cash flow analysis utilize input based upon loan terms, the general level of interest rates and the quality of the credit. Deterioration in loan performance or other credit weaknesses could result in fair value ranges which would be dependent upon potential buyers’ tolerance for such weaknesses and are difficult to estimate. The movie theater loan which was valued on the basis of an appraisal at September 30, 2022 was transferred to other real estate owned in the fourth quarter of 2022 and is discussed in Note E . f) Non-SBA CRE-floating are floating rate non-SBA loans, the vast majority of which are secured by multi-family properties (apartments). These are bridge loans designed to provide owners time and funding for property improvements and are generally valued using discounted cash flow analysis. The discount rate for the vast majority of these loans was based upon current origination rates for similar loans. Deterioration in loan performance or other credit weaknesses could result in fair value ranges which would be dependent upon potential buyers’ tolerance for such weaknesses and are difficult to estimate. At December 31, 2022, these loans were fair valued by a third party, based upon discounting at market rates for similar loans . g) Subordinated debentures are comprised of two subordinated notes issued by the Company, maturing in 2038 with a floating rate of 3-month LIBOR plus 3.25 %. These notes are valued using discounted cash flow analysis. The discount rate is based on the market rate for comparable relatively illiquid instruments. Changes in those market rates, or the credit of the Company could result in changes in the valuation. h) For other real estate owned, fair value is based upon appraisals of the underlying collateral by third party appraisers, reduced by 7 % to 10 % for estimated selling costs. Such appraisals reflect estimates of amounts realizable upon property sales based on the sale of comparable properties and other factors. Actual sales prices may vary based upon the identification of potential purchasers, changing conditions in local real estate markets and the level of interest rates required to finance purchases.
Fair Value, Measurements, Recurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Measured At Fair Value On A Recurring And Nonrecurring Basis	Fair Value Measurements at Reporting Date Using Quoted prices in active Significant other Significant markets for identical observable unobservable Fair value assets inputs inputs December 31, 2022 (Level 1) (Level 2) (Level 3) Investment securities, available-for-sale U.S. Government agency securities $ 28,381 $ — $ 28,381 $ — Asset-backed securities 334,009 — 334,009 — Obligations of states and political subdivisions 47,510 — 47,510 — Residential mortgage-backed securities 139,820 — 139,820 — Collateralized mortgage obligation securities 41,783 — 41,783 — Commercial mortgage-backed securities 166,813 — 154,490 12,323 Corporate debt securities 7,700 — — 7,700 Total investment securities, available-for-sale 766,016 — 745,993 20,023 Commercial loans, at fair value 589,143 — — 589,143 Interest rate swaps, asset 408 — 408 — $ 1,355,567 $ — $ 746,401 $ 609,166 Fair Value Measurements at Reporting Date Using Quoted prices in active Significant other Significant markets for identical observable unobservable Fair value assets inputs inputs December 31, 2021 (Level 1) (Level 2) (Level 3) . Investment securities, available-for-sale U.S. Government agency securities $ 37,302 $ — $ 37,302 $ — Asset-backed securities 360,418 — 360,418 — Obligations of states and political subdivisions 52,137 — 52,137 — Residential mortgage-backed securities 184,301 — 184,301 — Collateralized mortgage obligation securities 61,861 — 61,861 — Commercial mortgage-backed securities 251,076 — 238,659 12,417 Corporate debt securities 6,614 — — 6,614 Total investment securities, available-for-sale 953,709 — 934,678 19,031 Commercial loans, at fair value 1,388,416 — — 1,388,416 Assets held-for-sale from discontinued operations 3,268 — — 3,268 Interest rate swaps, liability 553 — 553 — $ 2,344,840 $ — $ 934,125 $ 1,410,715
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets Measured At Fair Value On A Recurring And Nonrecurring Basis	Fair Value Measurements at Reporting Date Using Quoted prices in active Significant other Significant markets for identical observable unobservable Fair value assets inputs inputs (1) Description December 31, 2022 (Level 1) (Level 2) (Level 3) Collateral dependent loans (1) $ 12,205 $ — $ — $ 12,205 Other real estate owned 21,210 — — 21,210 Intangible assets 2,049 — — 2,049 $ 35,464 $ — $ — $ 35,464 Fair Value Measurements at Reporting Date Using Quoted prices in active Significant other Significant markets for identical observable unobservable Fair value assets inputs inputs (1) Description December 31, 2021 (Level 1) (Level 2) (Level 3) Collateral dependent loans (1) $ 3,005 $ — $ — $ 3,005 Other real estate owned 18,873 — — 18,873 Intangible assets 2,447 — — 2,447 $ 24,325 $ — $ — $ 24,325 (1) The method of valuation approach for the loans evaluated for an allowance for credit losses on an individual loan basis and also for other real estate owned was the market approach based upon appraisals of the underlying collateral by external appraisers, reduced by 7 % to 10 % for estimated selling costs. Intangible assets are valued based upon internal analyses.

Derivatives (Tables)

Derivatives (Tables)	12 Months Ended
	Dec. 31, 2022
Derivatives [Abstract]
Summary Of Derivatives	December 31, 2022 Maturity date Notional amount Interest rate paid Interest rate received Fair value December 23, 2025 $ 6,800 2.16 % 4.73 % $ 408 Total $ 6,800 $ 408

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2022
Regulatory Matters [Abstract]
Schedule Of Regulatory Capital Amounts	To be well capitalized under For capital prompt corrective Actual adequacy purposes action provisions Amount Ratio Amount Ratio Amount Ratio (dollars in thousands) As of December 31, 2022 Total capital (to risk-weighted assets) The Bancorp, Inc. $ 747,372 13.87 % $ 431,203 >=8.00 N/A N/A The Bancorp Bank, National Association 829,540 15.42 % 430,483 8.00 538,103 >= 10.00 % Tier 1 capital (to risk-weighted assets) The Bancorp, Inc. 722,238 13.40 % 323,403 >=6.00 N/A N/A The Bancorp Bank, National Association 804,406 14.95 % 322,862 6.00 430,483 >= 8.00 % Tier 1 capital (to average assets) The Bancorp, Inc. 722,238 9.63 % 299,913 >=4.00 N/A N/A The Bancorp Bank, National Association 804,406 10.73 % 299,794 4.00 374,742 >= 5.00 % Common equity tier 1 (to risk-weighted assets) The Bancorp, Inc. 722,238 13.40 % 215,602 >=4.00 N/A N/A The Bancorp Bank, National Association 804,406 14.95 % 242,147 4.50 349,767 >= 6.50 % As of December 31, 2021 Total capital (to risk-weighted assets) The Bancorp, Inc. $ 661,656 15.13 % $ 349,923 >=8.00 N/A N/A The Bancorp Bank, National Association 695,450 15.88 % 349,897 8.00 437,371 >= 10.00 % Tier 1 capital (to risk-weighted assets) The Bancorp, Inc. 643,850 14.72 % 262,442 >=6.00 N/A N/A The Bancorp Bank, National Association 677,644 15.48 % 262,423 6.00 349,897 >= 8.00 % Tier 1 capital (to average assets) The Bancorp, Inc. 643,850 10.40 % 247,722 >=4.00 N/A N/A The Bancorp Bank, National Association 677,644 10.98 % 247,630 4.00 309,537 >= 5.00 % Common equity tier 1 (to risk-weighted assets) The Bancorp, Inc. 643,850 14.72 % 174,962 >=4.00 N/A N/A The Bancorp Bank, National Association 677,644 15.48 % 196,817 4.50 284,291 >= 6.50 %

Condensed Financial Informati_2

Condensed Financial Information-Parent Only (Tables)	12 Months Ended
	Dec. 31, 2022
Condensed Financial Information-Parent Only [Abstract]
Schedule Of Condensed Balance Sheet	December 31, 2022 2021 (in thousands) Assets Cash and due from banks $ 18,712 $ 68,383 Investment in subsidiaries 776,199 686,248 Other assets 13,016 11,324 Total assets $ 807,927 $ 765,955 Liabilities and stockholders' equity Other liabilities $ 1,445 $ 1,418 Senior debt 99,050 98,682 Subordinated debentures 13,401 13,401 Stockholders' equity 694,031 652,454 Total liabilities and stockholders' equity $ 807,927 $ 765,955
Schedule Of Condensed Statements Of Operations	For the year ended December 31, 2022 2021 2020 (in thousands) Income Other income $ 10 $ — $ 1 Total income 10 — 1 Expense Interest on subordinated debentures 657 449 524 Interest on senior debt 5,118 5,118 1,913 Non-interest expense 8,520 9,266 7,486 Total expense 14,295 14,833 9,923 Income tax benefit ( 2,999 ) ( 3,114 ) — Equity in undistributed income of subsidiaries 141,499 122,372 90,006 Net income available to common shareholders $ 130,213 $ 110,653 $ 80,084
Schedule Of Condensed Cash Flow Statement	Year ended December 31, 2022 2021 2020 (in thousands) Operating activities Net income $ 130,213 $ 110,653 $ 80,084 Net amortization of investment securities discounts/premiums 368 368 — (Increase) decrease in other assets ( 1,692 ) ( 3,164 ) 484 Increase (decrease) in other liabilities 27 ( 423 ) 1,810 Stock based compensation expense 7,592 8,626 6,429 Equity in undistributed income ( 141,499 ) ( 122,372 ) ( 90,006 ) Net cash used in operating activities ( 4,991 ) ( 6,312 ) ( 1,199 ) Investing activities Contribution from subsidiary 15,000 — — Net cash provided by investing activities 15,000 — — Financing activities Proceeds from the exercise of common stock options 320 3,428 866 Proceeds of senior debt offering — — 98,314 Repurchases of common stock ( 60,000 ) ( 40,000 ) — Net cash (used in) provided by financing activities ( 59,680 ) ( 36,572 ) 99,180 Net (decrease) increase in cash and cash equivalents ( 49,671 ) ( 42,884 ) 97,981 Cash and cash equivalents, beginning of year 68,383 111,267 13,286 Cash and cash equivalents, end of year $ 18,712 $ 68,383 $ 111,267

Segment Financials (Tables)

Segment Financials (Tables)	12 Months Ended
	Dec. 31, 2022
Segment Financials [Abstract]
Schedule Of Segment Financials	For the year ended December 31, 2022 Specialty finance Payments Corporate Discontinued operations Total (in thousands) Interest income $ 273,392 $ 113 $ 34,790 $ — $ 308,295 Interest allocation ( 55,680 ) 56,064 ( 384 ) — — Interest expense 3,083 42,883 13,488 — 59,454 Net interest income 214,629 13,294 20,918 — 248,841 Provision for credit losses 7,108 — — — 7,108 Non-interest income 15,371 86,313 3,999 — 105,683 Non-interest expense 71,878 69,261 28,363 — 169,502 Income (loss) before taxes 151,014 30,346 ( 3,446 ) — 177,914 Income tax expense — — 47,701 — 47,701 Net income (loss) $ 151,014 $ 30,346 $ ( 51,147 ) $ — $ 130,213 For the year ended December 31, 2021 Specialty finance Payments Corporate Discontinued operations Total (in thousands) Interest income $ 191,867 $ — $ 30,248 $ — $ 222,115 Interest allocation ( 17,217 ) 20,634 ( 3,417 ) — — Interest expense 963 4,162 6,114 — 11,239 Net interest income 173,687 16,472 20,717 — 210,876 Provision for credit losses 3,110 — — — 3,110 Non-interest income 22,331 82,343 75 — 104,749 Non-interest expense 67,263 69,716 31,371 — 168,350 Income (loss) from continuing operations before taxes 125,645 29,099 ( 10,579 ) — 144,165 Income tax expense — — 33,724 — 33,724 Income (loss) from continuing operations 125,645 29,099 ( 44,303 ) — 110,441 Income from discontinued operations — — — 212 212 Net income (loss) $ 125,645 $ 29,099 $ ( 44,303 ) $ 212 $ 110,653 For the year ended December 31, 2020 Specialty finance Payments Corporate Discontinued operations Total (in thousands) Interest income $ 170,847 $ — $ 39,935 $ — $ 210,782 Interest allocation ( 29,255 ) 36,890 ( 7,635 ) — — Interest expense 1,024 8,690 6,202 — 15,916 Net interest income 140,568 28,200 26,098 — 194,866 Provision for credit losses 6,352 — — — 6,352 Non-interest income 678 83,751 188 — 84,617 Non-interest expense 68,244 68,379 28,224 — 164,847 Income (loss) from continuing operations before taxes 66,650 43,572 ( 1,938 ) — 108,284 Income tax expense — — 27,688 — 27,688 Income (loss) from continuing operations 66,650 43,572 ( 29,626 ) — 80,596 Loss from discontinued operations — — — ( 512 ) ( 512 ) Net income (loss) $ 66,650 $ 43,572 $ ( 29,626 ) $ ( 512 ) $ 80,084 December 31, 2022 Specialty finance Payments Corporate Discontinued operations Total (in thousands) Total assets $ 6,042,765 $ 57,894 $ 1,802,341 $ — $ 7,903,000 Total liabilities $ 321,335 $ 6,101,539 $ 786,095 $ — $ 7,208,969 December 31, 2021 Specialty finance Payments Corporate Discontinued operations Total (in thousands) Total assets $ 5,099,388 $ 41,593 $ 1,698,990 $ 3,268 $ 6,843,239 Total liabilities $ 329,372 $ 5,312,115 $ 549,298 $ — $ 6,190,785

Discontinued Operations (Tables

Discontinued Operations (Tables)	12 Months Ended
	Dec. 31, 2022
Discontinued Operations [Abstract]
Financial Results Of The Commercial Lending Business Included In Net Income (Loss) From Discontinued Operations	For the year ended December 31, 2022 2021 2020 (in thousands) Interest income $ — $ 3,096 $ 4,222 Interest expense — — — Net interest income — 3,096 4,222 Non-interest income — 99 21 Non-interest expense — 2,907 8,059 Income (loss) before taxes — 288 ( 3,816 ) Income tax expense (benefit) — 76 ( 3,304 ) Net income (loss) $ — $ 212 $ ( 512 ) December 31, December 31, 2022 2021 (in thousands) Commercial loans, at fair value $ — $ 2,907 Other real estate owned — 361 Total assets $ — $ 3,268

Organization And Nature Of Op_2

Organization And Nature Of Operations (Details)	12 Months Ended
	Dec. 31, 2022 item
Organization And Nature Of Operations [Abstract]
Number of primary lines of business	2

Summary Of Significant Accoun_4

Summary Of Significant Accounting Policies (Narrative) (Details)	1 Months Ended		3 Months Ended								12 Months Ended
	Jan. 31, 2020 USD ($)	May 31, 2016 USD ($)	Dec. 31, 2022 USD ($) shares	Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($) loan shares	Sep. 30, 2021 USD ($)	Jun. 30, 2021 USD ($)	Mar. 31, 2021 USD ($)	Dec. 31, 2022 USD ($) loan $ / shares shares	Dec. 31, 2021 USD ($) $ / shares loan shares	Dec. 31, 2020 USD ($) $ / shares shares	Dec. 31, 2023 USD ($)	Sep. 30, 2023 USD ($)	Jun. 30, 2023 USD ($)	Mar. 31, 2023 USD ($)	Oct. 26, 2022 USD ($)	Aug. 13, 2020 USD ($)	Mar. 31, 2020 USD ($)
Accounting Policies [Line Items]
Notional Amount			$ 6,800,000								$ 6,800,000
Loans held for investment			5,464,479,000				$ 3,729,418,000				5,464,479,000	$ 3,729,418,000
Other real estate owned			21,210,000				18,873,000				21,210,000	18,873,000	$ 0
Net realized and unrealized gains (losses) on commercial loans, at fair value											13,531,000	14,885,000	(3,874,000)
Provision for credit losses											7,108,000	3,110,000	6,352,000
Loans held for sale			$ 589,100,000,000				$ 1,390,000,000				589,100,000,000	1,390,000,000
Advertising costs											$ 1,200,000	$ 1,600,000	$ 1,300,000
Stock options included in dilutive earnings per share, due to exercise price per share being less than average market price | shares			480,104				450,104				480,104	450,104	1,056,604
Minimum exercisable prices (in dollars per share) | $ / shares											$ 6.87	$ 6.87	$ 6.75
Maximum exercisable prices (in dollars per share) | $ / shares											$ 18.81	$ 18.81	$ 8.57
Restricted cash and cash equivalents			$ 0				$ 0				$ 0	$ 0
Anti-dilutive shares not included in earnings per share calculation | shares											100,000	100,000	105,000
Amortization of intangible assets											$ 398,000	$ 398,000	$ 556,000
Amortization expense per year			398,000								398,000
Accumulated Amortization			2,442,000				2,044,000				2,442,000	2,044,000
Finite-Lived Intangible Assets, Gross			4,491,000				4,491,000				4,491,000	4,491,000
Stock Repurchase Program, Authorized Amount			15,000,000	$ 15,000,000	$ 15,000,000	$ 15,000,000					15,000,000
Cost of repurchased share			15,000,000	$ 15,000,000	$ 15,000,000	15,000,000	$ 10,000,000	$ 10,000,000	$ 10,000,000	$ 10,000,000	$ 60,000,000	$ 40,000,000
Purchase of treasury shares (in shares) | shares											2,322,256	1,835,061
Share repurchased during period, shares | shares											2,322,256
Number Of Loans Sold | loan							2					2
Long-term borrowings			10,000,000				$ 39,500,000				$ 10,000,000	$ 39,500,000
Number Of Loans Repaid | loan											1
Average cost of repurchased stock (in dollars per share) | $ / shares											$ 25.84	$ 21.80
Retained earnings			369,319,000				239,106,000				$ 369,319,000	$ 239,106,000
Deferred Tax Assets, Gross			31,237,000				35,357,000				31,237,000	35,357,000
Other liabilities			56,335,000				62,228,000				56,335,000	62,228,000
Purchase of lease receivables											$ 53,300,000
Common Stock Repurchase Program, 2023 [Member]
Accounting Policies [Line Items]
Stock Repurchase Program, Authorized Amount																		$ 100,000,000
Forecast [Member] | Common Stock Repurchase Program, 2023 [Member]
Accounting Policies [Line Items]
Stock Repurchase Program, Authorized Amount														$ 25,000,000	$ 25,000,000	$ 25,000,000	$ 25,000,000
Senior Debt [Member]
Accounting Policies [Line Items]
Debt instrument, face amount																			$ 100,000,000
Debt instrument, maturity date											Aug. 15, 2025
Interest rate (in hundredths)																			4.75%
McMahon Leasing [Member]
Accounting Policies [Line Items]
Goodwill	$ 263,000
Payments to Acquire Businesses, Gross	8,700,000
Finite-lived Intangible Assets Acquired	1,100,000
Internal Use Software [Member]
Accounting Policies [Line Items]
Estimated useful life											7 years
Total capitalized software costs			5,600,000				5,700,000				$ 5,600,000	5,700,000
Amortization of intangible assets											2,000,000	2,000,000	$ 2,400,000
Customer List Intangibles [Member]
Accounting Policies [Line Items]
Estimated useful life		10 years
Acquired finite lived intangible assets accumulated amortization			2,300,000				1,900,000				2,300,000	1,900,000
Amortization expense per year			340,000								340,000
Accumulated Amortization			2,442,000				2,044,000				2,442,000	2,044,000
Finite-Lived Intangible Assets, Gross			4,093,000				4,093,000				4,093,000	4,093,000
Amortization Expense Over Next Five Years											1,100,000
Finite-lived Intangible Assets Acquired		$ 3,400,000									$ 3,400,000	3,400,000
Purchase of lease receivables		$ 60,000,000
Customer List Intangibles [Member] | McMahon Leasing [Member]
Accounting Policies [Line Items]
Estimated useful life											12 years
Amortization expense per year			57,000								$ 57,000
Accumulated Amortization			172,000								172,000
Finite-Lived Intangible Assets, Gross	689,000
Amortization Expense Over Next Five Years											287,000
Trade Names [Member]
Accounting Policies [Line Items]
Finite-Lived Intangible Assets, Gross			135,000				135,000				135,000	135,000
Trade Names [Member] | McMahon Leasing [Member]
Accounting Policies [Line Items]
Finite-lived Intangible Assets Acquired	$ 135,000
Fair Value, Measurements, Recurring [Member]
Accounting Policies [Line Items]
Loans held for sale			589,143,000				$ 1,388,416,000				589,143,000	$ 1,388,416,000
Disposition Efforts, Reclassified [Member]
Accounting Policies [Line Items]
Loans held for investment						61,600,000
Other real estate owned			17,300,000			17,300,000					17,300,000
Commercial Portfolio Segment [Member] | Disposition Efforts, Reclassified [Member]
Accounting Policies [Line Items]
Net realized and unrealized gains (losses) on commercial loans, at fair value						3,500,000
Increase in allowance for credit losses						1,300,000
Provision for credit losses						3,500,000
Allowance for loan commitments						$ 2,200,000
Accounting Standards Update 2016-13 [Member]
Accounting Policies [Line Items]
Retained earnings																				$ 2,400,000
Deferred Tax Assets, Gross																				834,000
Allowance for credit losses																				2,600,000
Other liabilities																				(569,000)
Reserve on unfunded commitments																				$ 569,000
Accounting Standards Update 2020-04 [Member]
Accounting Policies [Line Items]
Notional Amount			6,800,000								6,800,000
Subordinated Debt			13,400,000								13,400,000
Securities Purchased From Previous Securitizations			12,600,000								12,600,000
Collateralized Loan Obligations And U.S. Government Agency Adjustable-Rate Mortgages Which Utilize LIBOR			335,400,000								335,400,000
U.S. Government Agencies With Adjustable Interest Rate Indices			58,500,000								58,500,000
Accounting Standards Update 2020-04 [Member] | Certain Financial Instruments Indexed To LIBOR [Member]
Accounting Policies [Line Items]
Loans			354,700,000,000								354,700,000,000
Accounting Standards Update 2020-04 [Member] | Student Loan [Member]
Accounting Policies [Line Items]
Loans			$ 8,500,000								$ 8,500,000

Summary Of Significant Accoun_5

Summary Of Significant Accounting Policies (Earnings Per Share) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income (numerator) [Abstract]
Net income	$ 130,213	$ 110,653	$ 80,084
Diluted earnings (loss) per share, Net income (loss) available to common shareholders	$ 130,213	$ 110,653	$ 80,084
Shares (denominator) [Abstract]
Basic earnings per share (in shares)	56,556,303	57,190,311	57,474,612
Effect of dilutive securities, Common stock options and restricted stock units (in shares)	712,643	1,640,126	936,610
Diluted earnings (loss) per share, Net income (loss) available to common shareholders (in shares)	57,268,946	58,830,437	58,411,222
Per share amount [Abstract]
Basic earnings per share (in dollars per share)	$ 2.30	$ 1.93	$ 1.39
Effect of dilutive securities, Common stock options and restricted stock units (in dollars per share)	(0.03)	(0.05)	(0.02)
Net income per share - diluted	$ 2.27	$ 1.88	$ 1.37
Continuing Operations [Member]
Income (numerator) [Abstract]
Net income		$ 110,441	$ 80,596
Diluted earnings (loss) per share, Net income (loss) available to common shareholders		$ 110,441	$ 80,596
Shares (denominator) [Abstract]
Basic earnings per share (in shares)		57,190,311	57,474,612
Effect of dilutive securities, Common stock options and restricted stock units (in shares)		1,640,126	936,610
Diluted earnings (loss) per share, Net income (loss) available to common shareholders (in shares)		58,830,437	58,411,222
Per share amount [Abstract]
Basic earnings per share (in dollars per share)		$ 1.93	$ 1.40
Effect of dilutive securities, Common stock options and restricted stock units (in dollars per share)		(0.05)	(0.02)
Net income per share - diluted		$ 1.88	$ 1.38
Discontinued Operations [Member]
Income (numerator) [Abstract]
Net income		$ 212	$ (512)
Diluted earnings (loss) per share, Net income (loss) available to common shareholders		$ 212	$ (512)
Shares (denominator) [Abstract]
Basic earnings per share (in shares)		57,190,311	57,474,612
Effect of dilutive securities, Common stock options and restricted stock units (in shares)		1,640,126	936,610
Diluted earnings (loss) per share, Net income (loss) available to common shareholders (in shares)		58,830,437	58,411,222
Per share amount [Abstract]
Basic earnings per share (in dollars per share)			$ (0.01)
Net income per share - diluted			$ (0.01)

Summary Of Significant Accoun_6

Summary Of Significant Accounting Policies (Summary Of Gross Carrying Value And Accumulated Amortization Related To The Company's Intangible Items) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 4,491	$ 4,491
Accumulated Amortization	2,442	2,044
Goodwill [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	263	263
Customer List Intangibles [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	4,093	4,093
Accumulated Amortization	2,442	2,044
Trade Names [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 135	$ 135

Summary Of Significant Accoun_7

Summary Of Significant Accounting Policies (Schedule Of Approximate Future Annual Amortization Of The Company's Intangible Items) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Summary Of Significant Accounting Policies [Abstract]
2023	$ 398
2024	398
2025	398
2026	173
2027	57
Thereafter	227
Approximate future annual amortization of intangible items	$ 1,651

Subsequent Events (Details)

Subsequent Events (Details) - USD ($) $ / shares in Units, $ in Millions	2 Months Ended	3 Months Ended								12 Months Ended
	Feb. 21, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2022	Dec. 31, 2021
Subsequent Event [Line Items]
Repurchase of shares										2,322,256	1,835,061
Cost of repurchased share		$ 15	$ 15	$ 15	$ 15	$ 10	$ 10	$ 10	$ 10	$ 60	$ 40
Average cost of repurchased stock (in dollars per share)										$ 25.84	$ 21.80
Subsequent Event [Member]
Subsequent Event [Line Items]
Repurchase of shares	522,205
Cost of repurchased share	$ 16.6
Average cost of repurchased stock (in dollars per share)	$ 31.87

Investment Securities (Narrativ

Investment Securities (Narrative) (Details) - USD ($)	1 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Investment in Federal Home Loan and Atlantic Central Bankers Bank stock recorded at cost		$ 12,600,000	$ 1,700,000
Investment securities pledged as collateral		0	0
Gross gains on sales of securities		0	0	$ 0
Gross losses on sales of securities		6,000	7,000	0
Recognized credit charges		0	$ 0	$ 0
Required Federal Reserve stock purchase	$ 11,000,000
Single Issuers [Member]
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Book value		10,000,000
Fair value		7,700,000
Atlantic Central Bankers Bank [Member]
Debt Securities, Available-for-sale, Allowance for Credit Loss [Line Items]
Investment stock amount		$ 40,000

Investment Securities (Schedule

Investment Securities (Schedule Of Investment Securities Classified As Available-for-sale And Held-to-maturity) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Available-for-sale [Abstract]
Total	$ 806,942	$ 945,212
Gross unrealized gains	217	14,081
Gross unrealized losses	(41,143)	(5,584)
Investment securities available-for-sale	766,016	953,709
U.S. Government Agency Securities [Member]
Available-for-sale [Abstract]
Total	29,859	36,182
Gross unrealized gains	17	1,167
Gross unrealized losses	(1,495)	(47)
Investment securities available-for-sale	28,381	37,302
Asset-backed Securities [Member]
Available-for-sale [Abstract]
Total	343,885	360,332
Gross unrealized gains		327
Gross unrealized losses	(9,876)	(241)
Investment securities available-for-sale	334,009	360,418
Federally insured student loan securities [Member]
Available-for-sale [Abstract]
Total	8,488	22,518
Gross unrealized gains		13
Gross unrealized losses	(144)	(73)
Investment securities available-for-sale	8,344	22,458
Collateralized Loan Obligations Securities [Member]
Available-for-sale [Abstract]
Total	335,397	337,814
Gross unrealized gains		314
Gross unrealized losses	(9,732)	(168)
Investment securities available-for-sale	325,665	337,960
Tax-exempt Obligations Of States And Political Subdivisions [Member]
Available-for-sale [Abstract]
Total	3,560	3,559
Gross unrealized gains		172
Gross unrealized losses	(61)
Investment securities available-for-sale	3,499	3,731
Taxable Obligations Of States And Political Subdivisions [Member]
Available-for-sale [Abstract]
Total	45,668	45,984
Gross unrealized gains	52	2,422
Gross unrealized losses	(1,709)
Investment securities available-for-sale	44,011	48,406
Residential Mortgage-backed Securities [Member]
Available-for-sale [Abstract]
Total	150,135	179,778
Gross unrealized gains	148	4,804
Gross unrealized losses	(10,463)	(281)
Investment securities available-for-sale	139,820	184,301
Collateralized Mortgage Obligation Securities [Member]
Available-for-sale [Abstract]
Total	43,858	60,778
Gross unrealized gains		1,083
Gross unrealized losses	(2,075)
Investment securities available-for-sale	41,783	61,861
Commercial Mortgage-backed Securities [Member]
Available-for-sale [Abstract]
Total	179,977	248,599
Gross unrealized gains		4,106
Gross unrealized losses	(13,164)	(1,629)
Investment securities available-for-sale	166,813	251,076
Corporate Debt Securities [Member]
Available-for-sale [Abstract]
Total	10,000	10,000
Gross unrealized losses	(2,300)	(3,386)
Investment securities available-for-sale	$ 7,700	$ 6,614

Investment Securities (Amortize

Investment Securities (Amortized Cost And Fair Value Of Investment Securities By Contractual Maturity) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Available-for-sale, Amortized cost [Abstract]
Due before one year	$ 17,722
Due after one year through five years	143,612
Due after five years through ten years	236,414
Due after ten years	409,194
Total	806,942	$ 945,212
Available-for-sale, Fair value [Abstract]
Due before one year	17,583
Due after one year through five years	136,899
Due after five years through ten years	228,035
Due after ten years	383,499
Total investment securities, available-for-sale	$ 766,016	$ 953,709

Investment Securities (Availabl

Investment Securities (Available-for-sale And Held-to-maturity Securities, Continuous Unrealized Loss Position) (Details) $ in Thousands	Dec. 31, 2022 USD ($) security	Dec. 31, 2021 USD ($) security
Available-for-sale, continuous unrealized loss position [Abstract]
Number of securities | security	298	87
Available-for-sale, continuous unrealized loss position, Fair Value [Abstract]
Less than 12 months, Fair Value	$ 456,764	$ 268,572
12 months or longer, Fair Value	289,070	107,026
Total, Fair Value	745,834	375,598
Available-for-sale, continuous unrealized loss position, Unrealized losses [Abstract]
Less than 12 months, Unrealized losses	(22,196)	(437)
12 months or longer, Unrealized losses	(18,947)	(5,147)
Total, Unrealized losses	$ (41,143)	$ (5,584)
U.S. Government Agency Securities [Member]
Available-for-sale, continuous unrealized loss position [Abstract]
Number of securities | security	12	2
Available-for-sale, continuous unrealized loss position, Fair Value [Abstract]
Less than 12 months, Fair Value	$ 19,523
12 months or longer, Fair Value	2,269	$ 2,700
Total, Fair Value	21,792	2,700
Available-for-sale, continuous unrealized loss position, Unrealized losses [Abstract]
Less than 12 months, Unrealized losses	(1,461)
12 months or longer, Unrealized losses	(34)	(47)
Total, Unrealized losses	$ (1,495)	$ (47)
Asset-backed Securities [Member]
Available-for-sale, continuous unrealized loss position [Abstract]
Number of securities | security	55	42
Available-for-sale, continuous unrealized loss position, Fair Value [Abstract]
Less than 12 months, Fair Value	$ 125,938	$ 243,598
12 months or longer, Fair Value	208,071	1,197
Total, Fair Value	334,009	244,795
Available-for-sale, continuous unrealized loss position, Unrealized losses [Abstract]
Less than 12 months, Unrealized losses	(3,027)	(235)
12 months or longer, Unrealized losses	(6,849)	(6)
Total, Unrealized losses	$ (9,876)	$ (241)
Tax-exempt Obligations Of States And Political Subdivisions [Member]
Available-for-sale, continuous unrealized loss position [Abstract]
Number of securities | security	4
Available-for-sale, continuous unrealized loss position, Fair Value [Abstract]
Less than 12 months, Fair Value	$ 3,499
Total, Fair Value	3,499
Available-for-sale, continuous unrealized loss position, Unrealized losses [Abstract]
Less than 12 months, Unrealized losses	(61)
Total, Unrealized losses	$ (61)
Taxable Obligations Of States And Political Subdivisions [Member]
Available-for-sale, continuous unrealized loss position [Abstract]
Number of securities | security	26
Available-for-sale, continuous unrealized loss position, Fair Value [Abstract]
Less than 12 months, Fair Value	$ 39,710
Total, Fair Value	39,710
Available-for-sale, continuous unrealized loss position, Unrealized losses [Abstract]
Less than 12 months, Unrealized losses	(1,709)
Total, Unrealized losses	$ (1,709)
Residential Mortgage-backed Securities [Member]
Available-for-sale, continuous unrealized loss position [Abstract]
Number of securities | security	135	30
Available-for-sale, continuous unrealized loss position, Fair Value [Abstract]
Less than 12 months, Fair Value	$ 101,685	$ 21,640
12 months or longer, Fair Value	28,843	5,160
Total, Fair Value	130,528	26,800
Available-for-sale, continuous unrealized loss position, Unrealized losses [Abstract]
Less than 12 months, Unrealized losses	(6,198)	(159)
12 months or longer, Unrealized losses	(4,265)	(122)
Total, Unrealized losses	$ (10,463)	$ (281)
Collateralized Mortgage Obligation Securities [Member]
Available-for-sale, continuous unrealized loss position [Abstract]
Number of securities | security	22
Available-for-sale, continuous unrealized loss position, Fair Value [Abstract]
Less than 12 months, Fair Value	$ 41,456
12 months or longer, Fair Value	327
Total, Fair Value	41,783
Available-for-sale, continuous unrealized loss position, Unrealized losses [Abstract]
Less than 12 months, Unrealized losses	(2,057)
12 months or longer, Unrealized losses	(18)
Total, Unrealized losses	$ (2,075)
Commercial Mortgage-backed Securities [Member]
Available-for-sale, continuous unrealized loss position [Abstract]
Number of securities | security	43	12
Available-for-sale, continuous unrealized loss position, Fair Value [Abstract]
Less than 12 months, Fair Value	$ 124,953	$ 3,334
12 months or longer, Fair Value	41,860	91,355
Total, Fair Value	166,813	94,689
Available-for-sale, continuous unrealized loss position, Unrealized losses [Abstract]
Less than 12 months, Unrealized losses	(7,683)	(43)
12 months or longer, Unrealized losses	(5,481)	(1,586)
Total, Unrealized losses	$ (13,164)	$ (1,629)
Corporate Debt Securities [Member]
Available-for-sale, continuous unrealized loss position [Abstract]
Number of securities | security	1	1
Available-for-sale, continuous unrealized loss position, Fair Value [Abstract]
12 months or longer, Fair Value	$ 7,700	$ 6,614
Total, Fair Value	7,700	6,614
Available-for-sale, continuous unrealized loss position, Unrealized losses [Abstract]
12 months or longer, Unrealized losses	(2,300)	(3,386)
Total, Unrealized losses	$ (2,300)	$ (3,386)

Loans (Narrative) (Details)

Loans (Narrative) (Details)		1 Months Ended	3 Months Ended			12 Months Ended
		Jul. 31, 2022 USD ($)	Dec. 31, 2022 USD ($) item loan	Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)	Dec. 31, 2022 USD ($) loan item	Dec. 31, 2021 USD ($) loan	Dec. 31, 2020 USD ($)	Dec. 31, 2019 item
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for sale			$ 589,100,000,000			$ 589,100,000,000	$ 1,390,000,000
Loans available for sale, unpaid principal amount			589,800,000			589,800,000	1,390,000,000
Gains (losses) recognized from changes in fair value						(6,100,000)	285,000	$ (3,600,000)
Loans Receivable, Gross			5,482,121,000			5,482,121,000	3,739,171,000
Unrealized loss to reflect write-down				$ 4,000,000
Changes in fair value related to instrument-specific credit risk						7,700,000	201,000	1,000,000
Balance against these lines			0			0
Loan, disposition costs				$ 9,500,000
Number of securities securitized | item									6
Other real estate owned			$ 21,210,000			$ 21,210,000	$ 18,873,000	0
Number of troubled debt restructured loans | loan						11	10
Interest which would have been earned on loans classified as non-accrual						$ 224,000	$ 186,000
Non-accrual loans, income						$ 0	$ 0
Commitments to lend additional funds to loan customers whose terms have been modified in troubled debt restructurings, number of loans | loan			0			0	0
Troubled debt restructured loans balance						$ 5,275,000	$ 1,479,000
Financing receivable, troubled debt restructured loans, reserves			$ 637,000			637,000
Assets			$ 7,903,000,000			7,903,000,000	6,843,239,000
Purchase of lease receivables						53,300,000
Number Of Leasing Relationships | item			1
Increase In Nonaccrual Balance			$ 3,100,000
Number Of Vehicles That Represent Nonaccrual Increase | item			78
Specific Reserve In Allowance For Credit Loss Established Based On Deficiency			$ 630,000
Remaining balance of PPP loan reimbursed			4,500,000			$ 4,500,000
Percent of credit enhancement						50%
Loans past due 90 days or more and still accruing			7,775,000			$ 7,775,000	461,000
Total non-accrual loans			10,356,000			10,356,000	3,161,000
Total loans, gross			5,482,121,000			5,482,121,000	3,739,171,000
Allowance for credit losses on off-balance sheet credit			2,800,000			2,800,000
Allowance for off-balance sheet commitments			2,800,000			2,800,000
Allowance for credit loss			22,374,000			22,374,000	17,806,000	16,082,000
Total allowance			25,100,000			25,100,000
Charge-offs						1,461,000	2,006,000
Federal Reserve Bank Advances [Member] | Asset Pledged as Collateral without Right [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			2,000,000,000			2,000,000,000
Federal Home Loan Bank Advances [Member] | Asset Pledged as Collateral without Right [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			1,300,000,000			$ 1,300,000,000
Equities [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Market value of the underlying securities collateral as adjusted by margin requirements, percent						50
Investment Grade Securities [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Market value of the underlying securities collateral as adjusted by margin requirements, percent						80
Equity Securities [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, advanced rate calculation, percentage						50%
Debt Securities [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, advanced rate calculation, percentage						80%
CRE2 [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			12,600,000			$ 12,600,000
Percent Of Excess Credit Support						50%
Number of senior tranches remaining | item						1
Percent of remaining security balances incurred, prior to any loss						50%
SBL Commercial Mortgage [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			468,996,000			$ 468,996,000	353,469,000
Number of troubled debt restructured loans | loan						1
Nonaccrual loans, Income Reversed						$ 139,000	26,000
Troubled debt restructured loans balance						834,000
Total non-accrual loans			1,423,000			1,423,000	812,000
Total loans, gross			474,496,000			474,496,000	361,171,000
Allowance for credit loss			2,585,000			2,585,000	2,952,000	3,315,000
Charge-offs							417,000
SBL Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			30,865,000			30,865,000	27,199,000
Nonaccrual loans, Income Reversed						109,000
Total non-accrual loans			3,386,000			3,386,000	710,000
Total loans, gross			30,864,000			30,864,000	27,199,000
Allowance for credit loss			565,000			565,000	432,000	328,000
SBA Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			6,600,000			6,600,000	46,600,000
Total non-accrual loans			3,100,000			3,100,000
SBL Loan - PPP, Including Other Institutions [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			15,100,000			15,100,000
SBLOC [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gains (losses) recognized from changes in fair value								0
Loans Receivable, Gross			1,209,382,000			1,209,382,000	1,141,316,000
Loans past due 90 days or more and still accruing			878,000			878,000
Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Reduction from loans sold					$ 1,000,000
Advisor Financing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			172,468,000			172,468,000	115,770,000
Total loans, gross	[1]		172,468,000			$ 172,468,000	115,770,000
Loan Amount, Loan-To-Value Ratio						70%
Allowance for credit loss			1,293,000			$ 1,293,000	868,000	362,000
Property Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Other real estate owned			4,700,000			4,700,000
SBA Non Real Estate And Leasing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, troubled debt restructured loans, reserves			2,100,000			2,100,000
Charge-offs						10,000,000
SBL Non-Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			99,009,000			$ 99,009,000	$ 132,745,000
Number of troubled debt restructured loans | loan						8	9
Nonaccrual loans, Income Reversed						$ 100,000	$ 8,000
Troubled debt restructured loans balance						650,000	1,231,000
Total non-accrual loans			1,249,000			1,249,000	1,313,000
Total loans, gross			108,954,000			108,954,000	147,722,000
Allowance for credit loss			5,028,000			5,028,000	5,415,000	5,060,000
Charge-offs						885,000	1,138,000
Direct Lease Financing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			632,160,000			632,160,000	531,012,000
Nonaccrual loans, Income Reversed						23,000	5,000
Total non-accrual loans			3,550,000			3,550,000	254,000
Total loans, gross			632,160,000			632,160,000	531,012,000
Allowance for credit loss			7,972,000			7,972,000	5,817,000	$ 6,043,000
Charge-offs						576,000	412,000
IBLOC [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			1,123,087,000			1,123,087,000	788,265,000
Loans past due 90 days or more and still accruing			2,000,000			2,000,000
Total loans, gross			1,120,000,000			1,120,000,000	788,300,000
Real Estate Bridge Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount over which subsequent reviewed are performed						10,000,000
Loans Receivable, Gross			1,669,031,000			1,669,031,000	621,702,000
Total loans, gross			1,669,031,000			1,669,031,000	621,702,000
Allowance for credit loss			3,121,000			3,121,000	1,181,000
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			$ 2,110,000,000			$ 2,110,000,000
Number of securities securitized | loan			3			3
Loan Term, Extension Period						2 years
Excess credit support percent						50%
Percent of remaining security balances incurred, prior to any loss						50%
Remaining loans expected to be liquidated through sale | loan						2
Assets			$ 57,300,000			$ 57,300,000
Due To Servicer			1,700,000			1,700,000
Remaining Principal Amount To Be Repaid On Securities			58,100,000			58,100,000
Total exposure in security		$ 25,000,000
Foreclosed property		$ 25,900,000	20,900,000			20,900,000
Commercial Loan [Member] | Apartment Building Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans Receivable, Gross			2,020,000,000			2,020,000,000
Receivables Acquired with Deteriorated Credit Quality [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans acquired with deteriorated credit quality			0			0	0
Financial Asset Acquired and No Credit Deterioration [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Purchase of lease receivables						46,000,000
Estimated Fair Value [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for sale			$ 589,143,000			$ 589,143,000	$ 1,388,416,000
[1] In 2020, the Bank began originating loans to investment advisors for purposes of debt refinance, acquisition of another firm or internal succession. Maximum loan amounts are subject to 70 % of the estimated business enterprise value, based on a third-party valuation, but may be increased depending upon the debt service coverage ratio. Personal guarantees and blanket business liens are obtained as appropriate.

Loans (Narrative II) (Details)

Loans (Narrative II) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021
Loans by categories [Abstract]
Loans, net of deferred loan costs	[1]	$ 5,486,853	$ 3,747,224
Percentage of loan portfolio review coverage (in hundredths)		50%
Review threshold for independent loan review		$ 1,000
SBL Non-Real Estate [Member]
Loans by categories [Abstract]
Loans, net of deferred loan costs	[1]	108,954	147,722
SBL Commercial Mortgage [Member]
Loans by categories [Abstract]
Loans, net of deferred loan costs	[1]	474,496	361,171
SBL Construction [Member]
Loans by categories [Abstract]
Loans, net of deferred loan costs	[1]	30,864	27,199
SBA Loan [Member]
Loans by categories [Abstract]
Review threshold balance		$ 1,500
Percentage of loan portfolio review coverage (in hundredths)		73%
SBA Loan [Member] | Scenario, Plan [Member]
Loans by categories [Abstract]
Threshold amount of commercial and construction loans and leases subject to loan review		60%
Direct Lease Financing [Member]
Loans by categories [Abstract]
Loans, net of deferred loan costs	[1]	$ 632,160	531,012
Percentage of loan portfolio review coverage (in hundredths)		41%
Review threshold for independent loan review		$ 1,500
Direct Lease Financing [Member] | Scenario, Plan [Member]
Loans by categories [Abstract]
Threshold amount of leases subject to loan review		35%
Commercial Mortgage Backed Securities, Floating Rate For CLOs [Member]
Loans by categories [Abstract]
Threshold amount of leases subject to loan review		60%
Percentage of loan portfolio review coverage (in hundredths)		100%
Commercial Mortgage Backed Securities, Fixed Rate Loan [Member]
Loans by categories [Abstract]
Percentage of loan portfolio review coverage (in hundredths)		100%
SBLOC/IBLOC [Member]
Loans by categories [Abstract]
Loans, net of deferred loan costs	[1]	$ 2,332,469	1,929,581
Security Backed Lines Of Credit [Member]
Loans by categories [Abstract]
Threshold amount of commercial and construction loans and leases subject to loan review		40%
Percentage of loan portfolio review coverage (in hundredths)		46%
Insurance Backed Lines of Credit [Member]
Loans by categories [Abstract]
Threshold amount of commercial and construction loans and leases subject to loan review		40%
Percentage of loan portfolio review coverage (in hundredths)		50%
Advisor Financing [Member]
Loans by categories [Abstract]
Loans, net of deferred loan costs	[1]	$ 172,468	115,770
Threshold amount of leases subject to loan review		50%
Percentage of loan portfolio review coverage (in hundredths)		96%
Other Specialty Lending [Member]
Loans by categories [Abstract]
Percentage of loan portfolio review coverage (in hundredths)		100%
Other Specialty Lending [Member] | Scenario, Plan [Member]
Loans by categories [Abstract]
Threshold amount of commercial and construction loans and leases subject to loan review		100%
Home Equity Line Of Credit [Member]
Loans by categories [Abstract]
Percentage of loan portfolio review coverage (in hundredths)		72%
Unamortized Loan Fees And Costs [Member]
Loans by categories [Abstract]
Loans, net of deferred loan costs		$ 4,732	$ 8,053
[1] The ending balance for loans in the unallocated column represents deferred costs and fees.

Loans (Major Classifications Of

Loans (Major Classifications Of Loans) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021
Major classifications of loans [Abstract]
Total loans, gross		$ 5,482,121	$ 3,739,171
Unamortized loan fees and costs		4,732	8,053
Total loans, including unamortized loan fees and costs	[1]	5,486,853	3,747,224
Demand deposit overdrafts reclassified as loan balances		2,600	322
SBL Non-Real Estate [Member]
Major classifications of loans [Abstract]
Total loans, gross		108,954	147,722
Total loans, including unamortized loan fees and costs	[1]	108,954	147,722
SBL Commercial Mortgage [Member]
Major classifications of loans [Abstract]
Total loans, gross		474,496	361,171
Total loans, including unamortized loan fees and costs	[1]	474,496	361,171
SBL Construction [Member]
Major classifications of loans [Abstract]
Total loans, gross		30,864	27,199
Total loans, including unamortized loan fees and costs	[1]	30,864	27,199
Small Business Loans [Member]
Major classifications of loans [Abstract]
Total loans, gross		614,314	536,092
Direct Lease Financing [Member]
Major classifications of loans [Abstract]
Total loans, gross		632,160	531,012
Total loans, including unamortized loan fees and costs	[1]	632,160	531,012
SBLOC/IBLOC [Member]
Major classifications of loans [Abstract]
Total loans, gross	[2]	2,332,469	1,929,581
Total loans, including unamortized loan fees and costs	[1]	2,332,469	1,929,581
Advisor Financing [Member]
Major classifications of loans [Abstract]
Total loans, gross	[3]	172,468	115,770
Total loans, including unamortized loan fees and costs	[1]	$ 172,468	115,770
Loan amount, loan-to-value ratio		70%
Real Estate Bridge Loans [Member]
Major classifications of loans [Abstract]
Total loans, gross		$ 1,669,031	621,702
Total loans, including unamortized loan fees and costs	[1]	1,669,031	621,702
Other Loans [Member]
Major classifications of loans [Abstract]
Total loans, gross	[4]	61,679	5,014
Total loans, including unamortized loan fees and costs	[1]	61,679	5,014
Other Loans - Discontinued Assets [Member]
Major classifications of loans [Abstract]
Demand deposit overdrafts reclassified as loan balances		50,400
Other Loans - Discontinued Assets Of Residential Mortgage Loans [Member]
Major classifications of loans [Abstract]
Demand deposit overdrafts reclassified as loan balances		18,800
IBLOC [Member]
Major classifications of loans [Abstract]
Total loans, gross		$ 1,120,000	$ 788,300
[1] The ending balance for loans in the unallocated column represents deferred costs and fees. Securities Backed Lines of Credit, or SBLOC, are collateralized by marketable securities, while Insurance Backed Lines of Credit, or IBLOC, are collateralized by the cash surrender value of life insurance policies. At December 31, 2022 and December 31, 2021, respectively, IBLOC loans amounted to $ 1.12 billion and $ 788.3 million. In 2020, the Bank began originating loans to investment advisors for purposes of debt refinance, acquisition of another firm or internal succession. Maximum loan amounts are subject to 70 % of the estimated business enterprise value, based on a third-party valuation, but may be increased depending upon the debt service coverage ratio. Personal guarantees and blanket business liens are obtained as appropriate. Included in the table above under Other loans are demand deposit overdrafts reclassified as loan balances totaling $ 2.6 million and $ 322,000 at December 31, 2022 and December 31, 2021, respectively. Estimated overdraft charge-offs and recoveries are reflected in the allowance for credit losses and have been immaterial. December 31, 2022 includes $ 50.4 million of balances previously included in discontinued assets, including $ 18.8 million of residential mortgage loans, with the balance comprised of commercial loans.

Loans (Schedule Of Small Busine

Loans (Schedule Of Small Business Administration Loans and Held For Sale) (Details) - USD ($) $ in Thousands		Dec. 31, 2022	Dec. 31, 2021
Loans [Abstract]
SBL loans, including costs net of deferred fees of $7,327 and $5,345 for December 31, 2022 and December 31, 2021, respectively		$ 621,641	$ 541,437
SBL loans included in commercial loans at fair value		146,717	199,585
Total small business loans	[1]	768,358	741,022
SBL deferred fees and costs		$ 7,327	$ 5,345
[1] The small business loans held at fair value are comprised of the government guaranteed portion of SBA 7a loans at the dates indicated (in thousands).

Loans (Impaired Loans) (Details

Loans (Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
With an allowance recorded [Abstract]
Related allowance	$ (2,067)	$ (978)
Total allowance recorded [Abstract]
Recorded investment	14,272	3,983
Unpaid principal balance	16,634	7,011
Average recorded investment	8,417	8,766
Interest income recognized	166	26
SBL Non-Real Estate [Member]
Without an allowance recorded [Abstract]
Recorded investment	400	409
Unpaid principal balance	2,762	3,414
Average recorded investment	388	412
Interest income recognized		5
With an allowance recorded [Abstract]
Recorded investment	974	1,478
Unpaid principal balance	974	1,478
Related allowance	(525)	(829)
Average recorded investment	1,237	2,267
Interest income recognized	7	13
Total allowance recorded [Abstract]
Recorded investment	1,374	1,887
Unpaid principal balance	3,736	4,892
Average recorded investment	1,625	2,679
Interest income recognized	7	18
SBL Commercial Mortgage [Member]
Without an allowance recorded [Abstract]
Recorded investment		223
Unpaid principal balance		246
Average recorded investment	45	1,717
With an allowance recorded [Abstract]
Recorded investment	1,423	589
Unpaid principal balance	1,423	589
Related allowance	(441)	(115)
Average recorded investment	1,090	2,634
Total allowance recorded [Abstract]
Recorded investment	1,423	812
Unpaid principal balance	1,423	835
Average recorded investment	1,135	4,351
SBL Construction [Member]
With an allowance recorded [Abstract]
Recorded investment	3,386	710
Unpaid principal balance	3,386	710
Related allowance	(153)	(34)
Average recorded investment	1,245	711
Total allowance recorded [Abstract]
Recorded investment	3,386	710
Unpaid principal balance	3,386	710
Average recorded investment	1,245	711
Direct Lease Financing [Member]
Without an allowance recorded [Abstract]
Recorded investment		254
Unpaid principal balance		254
Average recorded investment	52	430
With an allowance recorded [Abstract]
Recorded investment	3,550
Unpaid principal balance	3,550
Related allowance	(933)
Average recorded investment	710	132
Total allowance recorded [Abstract]
Recorded investment	3,550	254
Unpaid principal balance	3,550	254
Average recorded investment	762	562
Consumer - Other [Member]
With an allowance recorded [Abstract]
Average recorded investment		5
Total allowance recorded [Abstract]
Average recorded investment		5
Legacy Commerial Real Estate [Member]
Without an allowance recorded [Abstract]
Recorded investment	3,552
Unpaid principal balance	3,552
Average recorded investment	1,421
Interest income recognized	150
Other Loans [Member]
With an allowance recorded [Abstract]
Recorded investment	692
Unpaid principal balance	692
Related allowance	(15)
Average recorded investment	1,923
Legacy Commerial Real Estate And Other Loans [Member]
With an allowance recorded [Abstract]
Related allowance	(15)
Total allowance recorded [Abstract]
Recorded investment	4,244
Unpaid principal balance	4,244
Average recorded investment	3,344
Interest income recognized	150
Consumer - Home Equity [Member]
Without an allowance recorded [Abstract]
Recorded investment	295	320
Unpaid principal balance	295	320
Average recorded investment	306	458
Interest income recognized	9	8
Total allowance recorded [Abstract]
Recorded investment	295	320
Unpaid principal balance	295	320
Average recorded investment	306	458
Interest income recognized	$ 9	$ 8

Loans (Summary Of Non-Accrual L

Loans (Summary Of Non-Accrual Loans With And Without Allowance For Credit Losses) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Nonaccrual [Line Items]
Non-accrual loans with a related ACL	$ 9,900
Non-accrual loans without a related ACL	456
Total non-accrual loans	10,356	$ 3,161
SBL Non-Real Estate [Member]
Financing Receivable, Nonaccrual [Line Items]
Non-accrual loans with a related ACL	849
Non-accrual loans without a related ACL	400
Total non-accrual loans	1,249	1,313
SBL Commercial Mortgage [Member]
Financing Receivable, Nonaccrual [Line Items]
Non-accrual loans with a related ACL	1,423
Total non-accrual loans	1,423	812
SBL Construction [Member]
Financing Receivable, Nonaccrual [Line Items]
Non-accrual loans with a related ACL	3,386
Total non-accrual loans	3,386	710
Direct Lease Financing [Member]
Financing Receivable, Nonaccrual [Line Items]
Non-accrual loans with a related ACL	3,550
Total non-accrual loans	3,550	254
Consumer - Home Equity [Member]
Financing Receivable, Nonaccrual [Line Items]
Non-accrual loans without a related ACL	56
Total non-accrual loans	56	$ 72
Other Loans [Member]
Financing Receivable, Nonaccrual [Line Items]
Non-accrual loans with a related ACL	692
Total non-accrual loans	$ 692

Loans (Non-accrual Loans, Loans

Loans (Non-accrual Loans, Loans Past Due 90 Days And Other Real Estate Owned And Delinquent Loans By Loan Category) (Details) - USD ($) $ in Thousands		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financing Receivables Past Due and Other Real Estate Owned [Line Items]
Total non-accrual loans		$ 10,356	$ 3,161
Loans past due 90 days or more and still accruing		7,775	461
Total non-performing loans		5,482,121	3,739,171
Other real estate owned		21,210	18,873	$ 0
Total non-performing assets		39,341	22,495
Non-Performing Loans [Member]
Financing Receivables Past Due and Other Real Estate Owned [Line Items]
Total non-performing loans		18,131	3,622
SBL Non-Real Estate [Member]
Financing Receivables Past Due and Other Real Estate Owned [Line Items]
Total non-accrual loans		1,249	1,313
Total non-performing loans		108,954	147,722
SBL Commercial Mortgage [Member]
Financing Receivables Past Due and Other Real Estate Owned [Line Items]
Total non-accrual loans		1,423	812
Total non-performing loans		474,496	361,171
SBL Construction [Member]
Financing Receivables Past Due and Other Real Estate Owned [Line Items]
Total non-accrual loans		3,386	710
Total non-performing loans		30,864	27,199
Direct Lease Financing [Member]
Financing Receivables Past Due and Other Real Estate Owned [Line Items]
Total non-accrual loans		3,550	254
Total non-performing loans		632,160	531,012
Other Loans [Member]
Financing Receivables Past Due and Other Real Estate Owned [Line Items]
Total non-accrual loans		692
Total non-performing loans	[1]	61,679	5,014
Consumer - Home Equity [Member]
Financing Receivables Past Due and Other Real Estate Owned [Line Items]
Total non-accrual loans		$ 56	$ 72
[1] Included in the table above under Other loans are demand deposit overdrafts reclassified as loan balances totaling $ 2.6 million and $ 322,000 at December 31, 2022 and December 31, 2021, respectively. Estimated overdraft charge-offs and recoveries are reflected in the allowance for credit losses and have been immaterial. December 31, 2022 includes $ 50.4 million of balances previously included in discontinued assets, including $ 18.8 million of residential mortgage loans, with the balance comprised of commercial loans.

Loans (Loans Modified And Consi

Loans (Loans Modified And Considered Troubled Debt Restructurings) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan
Financing Receivable, Modifications [Line Items]
Number | loan	11	10
Pre-modification recorded investment	$ 5,275	$ 1,479
Post-modification recorded investment	5,275	1,479
Troubled debt restructurings including nonaccrual loans	$ 1,400	$ 656
Two Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Number | loan	3
Pre-modification recorded investment	$ 1,029
SBL Non-Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number | loan	8	9
Pre-modification recorded investment	$ 650	$ 1,231
Post-modification recorded investment	$ 650	$ 1,231
SBL Non-Real Estate [Member] | Two Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Number | loan	3
Pre-modification recorded investment	$ 1,029
SBL Commercial Mortgage [Member]
Financing Receivable, Modifications [Line Items]
Number | loan	1
Pre-modification recorded investment	$ 834
Post-modification recorded investment	$ 834
Legacy Commerial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number | loan	1
Pre-modification recorded investment	$ 3,552
Post-modification recorded investment	$ 3,552
Consumer - Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number | loan	1	1
Pre-modification recorded investment	$ 239	$ 248
Post-modification recorded investment	$ 239	$ 248

Loans (Loans Modified As Troubl

Loans (Loans Modified As Troubled Debt Restructurings) (Details) - USD ($) $ in Thousands		Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Modifications [Line Items]
Combined rate and maturity	[1]	$ 5,275	$ 1,479
Troubled debt restructurings including nonaccrual loans		1,400	656
SBL Non-Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Combined rate and maturity		650	1,231
SBL Commercial Mortgage [Member]
Financing Receivable, Modifications [Line Items]
Combined rate and maturity		834
Legacy Commerial Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Combined rate and maturity		3,552
Consumer - Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Combined rate and maturity		$ 239	$ 248
[1] Troubled debt restructurings include non-accrual loans of $ 1.4 million and $ 656,000 at December 31, 2022 and December 31, 2021, respectively.

Loans (Summary Of Gross Loans H

Loans (Summary Of Gross Loans Held For Investment By Year Of Origination And Internally Assigned Credit Grade) (Details) - USD ($) $ in Thousands		Dec. 31, 2022		Dec. 31, 2021
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		$ 1,580,960		$ 1,136,523
Fiscal Year Before Latest Fiscal Year		1,035,060		297,650
Two Years Before Latest Fiscal Year		207,586		151,305
Three Years Before Latest Fiscal Year		117,375		90,977
Four Years Before Latest Fiscal Year		64,797		57,753
Prior		142,143		73,389
Revolving loans at amortized cost		2,334,200		1,931,574
Total		5,482,121		3,739,171
Unamortized loan fees and costs		4,732		8,053
Total loans, including unamortized loan fees and costs	[1]	5,486,853		3,747,224
SBL Non-Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		34,477		73,490
Fiscal Year Before Latest Fiscal Year		34,654		23,191
Two Years Before Latest Fiscal Year		14,025		8,893
Three Years Before Latest Fiscal Year		5,841		9,672
Four Years Before Latest Fiscal Year		4,531		5,936
Prior		5,481		11,563
Total		99,009		132,745
Total loans, including unamortized loan fees and costs	[1]	108,954		147,722
SBL Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		127,247		90,129
Fiscal Year Before Latest Fiscal Year		97,968		57,695
Two Years Before Latest Fiscal Year		64,529		77,143
Three Years Before Latest Fiscal Year		66,545		43,820
Four Years Before Latest Fiscal Year		43,295		37,607
Prior		69,412		47,075
Total		468,996		353,469
Total loans, including unamortized loan fees and costs	[1]	474,496		361,171
SBL Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		3,153		6,869
Fiscal Year Before Latest Fiscal Year		14,326		12,629
Two Years Before Latest Fiscal Year		9,712		1,880
Three Years Before Latest Fiscal Year		2,964		5,111
Prior		710		710
Total		30,865		27,199
Total loans, including unamortized loan fees and costs	[1]	30,864		27,199
Direct Lease Financing [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		330,341		271,458
Fiscal Year Before Latest Fiscal Year		162,987		160,206
Two Years Before Latest Fiscal Year		81,007		60,308
Three Years Before Latest Fiscal Year		39,275		27,821
Four Years Before Latest Fiscal Year		14,151		8,998
Prior		4,399		2,221
Total		632,160		531,012
Total loans, including unamortized loan fees and costs	[1]	632,160		531,012
SBLOC [Member]
Financing Receivable, Recorded Investment [Line Items]
Revolving loans at amortized cost		1,209,382		1,141,316
Total		1,209,382		1,141,316
IBLOC [Member]
Financing Receivable, Recorded Investment [Line Items]
Revolving loans at amortized cost		1,123,087		788,265
Total		1,123,087		788,265
Advisor Financing [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		71,396		72,106
Fiscal Year Before Latest Fiscal Year		65,407		43,664
Two Years Before Latest Fiscal Year		35,665
Total		172,468		115,770
Total loans, including unamortized loan fees and costs	[1]	172,468		115,770
Real Estate Bridge Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		1,009,708		621,702
Fiscal Year Before Latest Fiscal Year		659,323
Total		1,669,031		621,702
Total loans, including unamortized loan fees and costs	[1]	1,669,031		621,702
Other Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		4,638	[2]	769	[3]
Fiscal Year Before Latest Fiscal Year		395	[2]	265	[3]
Two Years Before Latest Fiscal Year		2,648	[2]	3,081	[3]
Three Years Before Latest Fiscal Year		2,750	[2]	4,553	[3]
Four Years Before Latest Fiscal Year		2,820	[2]	5,212	[3]
Prior		62,141	[2]	11,820	[3]
Revolving loans at amortized cost		1,731	[2]	1,993	[3]
Total		77,123	[2]	27,693	[3]
Total loans, including unamortized loan fees and costs	[1]	61,679		5,014
SBA Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Total		6,600		46,600
SBA Loan PPP [Member]
Financing Receivable, Recorded Investment [Line Items]
Total		4,500
SBL CRA [Member]
Financing Receivable, Recorded Investment [Line Items]
Total		15,400		22,700
Non-Rated [Member] | SBL Non-Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		2,075	[4]	39,318	[5]
Fiscal Year Before Latest Fiscal Year		4,266	[4]	7,257	[5]
Two Years Before Latest Fiscal Year	[4]	273
Total		6,614	[4]	46,575	[5]
Non-Rated [Member] | SBL Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		10,600		10,963
Total		10,600		10,963
Non-Rated [Member] | Direct Lease Financing [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		73,424		56,152
Fiscal Year Before Latest Fiscal Year		30,900		13,271
Two Years Before Latest Fiscal Year		8,245		1,933
Three Years Before Latest Fiscal Year		1,153		1,115
Four Years Before Latest Fiscal Year		429		355
Prior		108		104
Total		114,259		72,930
Non-Rated [Member] | SBLOC [Member]
Financing Receivable, Recorded Investment [Line Items]
Revolving loans at amortized cost		4,284		3,176
Total		4,284		3,176
Non-Rated [Member] | IBLOC [Member]
Financing Receivable, Recorded Investment [Line Items]
Revolving loans at amortized cost		555,219		346,604
Total		555,219		346,604
Non-Rated [Member] | Advisor Financing [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		3,318		38,330
Fiscal Year Before Latest Fiscal Year		909		258
Total		4,227		38,588
Non-Rated [Member] | Other Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		4,374		396
Fiscal Year Before Latest Fiscal Year		29		152
Two Years Before Latest Fiscal Year		37
Prior		16,326		216
Revolving loans at amortized cost		488		656
Total		21,254		1,420
Non-Rated [Member] | SBA Loan PPP [Member]
Financing Receivable, Recorded Investment [Line Items]
Total				44,800
Pass [Member] | SBL Non-Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		32,402		34,172
Fiscal Year Before Latest Fiscal Year		30,388		15,934
Two Years Before Latest Fiscal Year		13,432		8,794
Three Years Before Latest Fiscal Year		5,599		8,988
Four Years Before Latest Fiscal Year		3,931		5,088
Prior		4,555		9,809
Total		90,307		82,785
Pass [Member] | SBL Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		116,647		79,166
Fiscal Year Before Latest Fiscal Year		97,968		57,554
Two Years Before Latest Fiscal Year		64,388		75,290
Three Years Before Latest Fiscal Year		64,692		43,820
Four Years Before Latest Fiscal Year		42,461		37,607
Prior		68,193		46,016
Total		454,349		339,453
Pass [Member] | SBL Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		3,153		6,869
Fiscal Year Before Latest Fiscal Year		11,650		12,629
Two Years Before Latest Fiscal Year		9,712		1,880
Three Years Before Latest Fiscal Year		2,964		5,111
Total		27,479		26,489
Pass [Member] | Direct Lease Financing [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		254,063		214,780
Fiscal Year Before Latest Fiscal Year		129,763		145,256
Two Years Before Latest Fiscal Year		71,043		58,337
Three Years Before Latest Fiscal Year		38,038		26,662
Four Years Before Latest Fiscal Year		13,722		8,574
Prior		4,291		2,105
Total		510,920		455,714
Pass [Member] | SBLOC [Member]
Financing Receivable, Recorded Investment [Line Items]
Revolving loans at amortized cost		1,205,098		1,138,140
Total		1,205,098		1,138,140
Pass [Member] | IBLOC [Member]
Financing Receivable, Recorded Investment [Line Items]
Revolving loans at amortized cost		567,868		441,661
Total		567,868		441,661
Pass [Member] | Advisor Financing [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		68,078		33,776
Fiscal Year Before Latest Fiscal Year		64,498		43,406
Two Years Before Latest Fiscal Year		35,665
Total		168,241		77,182
Pass [Member] | Real Estate Bridge Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		1,009,708		621,702
Fiscal Year Before Latest Fiscal Year		659,323
Total		1,669,031		621,702
Pass [Member] | Other Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		264		373
Fiscal Year Before Latest Fiscal Year		366		113
Two Years Before Latest Fiscal Year		2,611		3,081
Three Years Before Latest Fiscal Year		2,750		4,553
Four Years Before Latest Fiscal Year		2,820		5,212
Prior		41,571		11,604
Revolving loans at amortized cost		1,187		1,264
Total		51,569		26,200
Special Mention [Member] | SBL Non-Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Two Years Before Latest Fiscal Year				99
Three Years Before Latest Fiscal Year				666
Four Years Before Latest Fiscal Year		585
Prior		284		859
Total		869		1,624
Special Mention [Member] | SBL Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Fiscal Year Before Latest Fiscal Year				141
Two Years Before Latest Fiscal Year				1,853
Three Years Before Latest Fiscal Year		1,853
Prior		630		247
Total		2,483		2,241
Special Mention [Member] | Direct Lease Financing [Member]
Financing Receivable, Recorded Investment [Line Items]
Two Years Before Latest Fiscal Year		61
Three Years Before Latest Fiscal Year				22
Four Years Before Latest Fiscal Year				38
Total		61		60
Special Mention [Member] | Other Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Prior		3,552
Total		3,552
Substandard [Member] | SBL Non-Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Two Years Before Latest Fiscal Year		320
Three Years Before Latest Fiscal Year		242		18
Four Years Before Latest Fiscal Year		15		848
Prior		642		895
Total		1,219		1,761
Substandard [Member] | SBL Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Two Years Before Latest Fiscal Year		141
Four Years Before Latest Fiscal Year		834
Prior		589		812
Total		1,564		812
Substandard [Member] | SBL Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Fiscal Year Before Latest Fiscal Year		2,676
Prior		710		710
Total		3,386		710
Substandard [Member] | Direct Lease Financing [Member]
Financing Receivable, Recorded Investment [Line Items]
Current Fiscal Year		2,854		526
Fiscal Year Before Latest Fiscal Year		2,324		1,679
Two Years Before Latest Fiscal Year		1,658		38
Three Years Before Latest Fiscal Year		84		22
Four Years Before Latest Fiscal Year				31
Prior				12
Total		6,920		2,308
Substandard [Member] | Other Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Prior		692
Revolving loans at amortized cost		56		73
Total		$ 748		$ 73
[1] The ending balance for loans in the unallocated column represents deferred costs and fees. Included in Other loans are $ 15.4 million of SBA loans purchased for CRA purposes as of December 31, 2022. These loans are classified as SBL in the Company’s loan table which classify loans by type, as opposed to risk characteristics. Included in Other loans are $ 22.7 million of SBA loans purchased for CRA purposes as of December 31, 2021. These loans are classified as SBL in the Company’s loan table which classify loans by type, as opposed to risk characteristics. Included in the SBL non real estate non-rated total of $ 6.6 million, were $ 4.5 million of Paycheck Protection Program, or (“PPP”) loans which are government guaranteed. Included in the SBL non real estate non-rated total of $ 46.6 million, were $ 44.8 million of PPP loans which are government guaranteed.

Loans (Changes In Allowance For

Loans (Changes In Allowance For Loan And Lease Losses By Loan Category) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021
Changes in allowance for loan and lease losses by loan category [Abstract]
Beginning balance		$ 17,806	$ 16,082
Charge-offs		(1,461)	(2,006)
Recoveries		288	1,217
Provision (credit)	[1]	5,741	2,513
Ending balance		22,374	17,806
Ending balance: Individually evaluated for expected credit loss		2,067	978
Ending balance: Collectively evaluated for expected credit loss		20,307	16,828
Loans [Abstract]
Loans: Ending Balance	[2]	5,486,853	3,747,224
Ending balance: Individually evaluated for expected credit loss		14,272	3,983
Ending balance: Collectively evaluated for expected credit loss		5,472,581	3,743,241
SBL Non-Real Estate [Member]
Changes in allowance for loan and lease losses by loan category [Abstract]
Beginning balance		5,415	5,060
Charge-offs		(885)	(1,138)
Recoveries		140	51
Provision (credit)	[1]	358	1,442
Ending balance		5,028	5,415
Ending balance: Individually evaluated for expected credit loss		525	829
Ending balance: Collectively evaluated for expected credit loss		4,503	4,586
Loans [Abstract]
Loans: Ending Balance	[2]	108,954	147,722
Ending balance: Individually evaluated for expected credit loss		1,374	1,887
Ending balance: Collectively evaluated for expected credit loss		107,580	145,835
SBL Commercial Mortgage [Member]
Changes in allowance for loan and lease losses by loan category [Abstract]
Beginning balance		2,952	3,315
Charge-offs			(417)
Recoveries			9
Provision (credit)	[1]	(367)	45
Ending balance		2,585	2,952
Ending balance: Individually evaluated for expected credit loss		441	115
Ending balance: Collectively evaluated for expected credit loss		2,144	2,837
Loans [Abstract]
Loans: Ending Balance	[2]	474,496	361,171
Ending balance: Individually evaluated for expected credit loss		1,423	812
Ending balance: Collectively evaluated for expected credit loss		473,073	360,359
SBL Construction [Member]
Changes in allowance for loan and lease losses by loan category [Abstract]
Beginning balance		432	328
Provision (credit)	[1]	133	104
Ending balance		565	432
Ending balance: Individually evaluated for expected credit loss		153	34
Ending balance: Collectively evaluated for expected credit loss		412	398
Loans [Abstract]
Loans: Ending Balance	[2]	30,864	27,199
Ending balance: Individually evaluated for expected credit loss		3,386	710
Ending balance: Collectively evaluated for expected credit loss		27,478	26,489
Direct Lease Financing [Member]
Changes in allowance for loan and lease losses by loan category [Abstract]
Beginning balance		5,817	6,043
Charge-offs		(576)	(412)
Recoveries		124	58
Provision (credit)	[1]	2,607	128
Ending balance		7,972	5,817
Ending balance: Individually evaluated for expected credit loss		933
Ending balance: Collectively evaluated for expected credit loss		7,039	5,817
Loans [Abstract]
Loans: Ending Balance	[2]	632,160	531,012
Ending balance: Individually evaluated for expected credit loss		3,550	254
Ending balance: Collectively evaluated for expected credit loss		628,610	530,758
SBLOC/IBLOC [Member]
Changes in allowance for loan and lease losses by loan category [Abstract]
Beginning balance		964	775
Charge-offs			(15)
Provision (credit)	[1]	203	204
Ending balance		1,167	964
Ending balance: Collectively evaluated for expected credit loss		1,167	964
Loans [Abstract]
Loans: Ending Balance	[2]	2,332,469	1,929,581
Ending balance: Collectively evaluated for expected credit loss		2,332,469	1,929,581
Advisor Financing [Member]
Changes in allowance for loan and lease losses by loan category [Abstract]
Beginning balance		868	362
Provision (credit)	[1]	425	506
Ending balance		1,293	868
Ending balance: Collectively evaluated for expected credit loss		1,293	868
Loans [Abstract]
Loans: Ending Balance	[2]	172,468	115,770
Ending balance: Collectively evaluated for expected credit loss		172,468	115,770
Real Estate Bridge Loans [Member]
Changes in allowance for loan and lease losses by loan category [Abstract]
Beginning balance		1,181
Provision (credit)	[1]	1,940	1,181
Ending balance		3,121	1,181
Ending balance: Collectively evaluated for expected credit loss		3,121	1,181
Loans [Abstract]
Loans: Ending Balance	[2]	1,669,031	621,702
Ending balance: Collectively evaluated for expected credit loss		1,669,031	621,702
Other Loans [Member]
Changes in allowance for loan and lease losses by loan category [Abstract]
Beginning balance		177	199
Charge-offs			(24)
Recoveries		24	1,099
Provision (credit)	[1]	442	(1,097)
Ending balance		643	177
Ending balance: Individually evaluated for expected credit loss		15
Ending balance: Collectively evaluated for expected credit loss		628	177
Loans [Abstract]
Loans: Ending Balance	[2]	61,679	5,014
Ending balance: Individually evaluated for expected credit loss		4,539	320
Ending balance: Collectively evaluated for expected credit loss		57,140	4,694
Unallocated [Member]
Loans [Abstract]
Loans: Ending Balance	[2]	4,732	8,053
Ending balance: Collectively evaluated for expected credit loss		4,732	8,053
Unfunded Loan Commitment [Member]
Changes in allowance for loan and lease losses by loan category [Abstract]
Provision (credit)		$ 1,400	$ 597
[1] The amount shown as the provision for the period, reflects the provision for credit losses for loans, while the income statement provision for credit losses includes the provision for unfunded commitments of $ 1.4 million and $ 597,000 for the years ended December 31, 2022, and 2021, respectively. The ending balance for loans in the unallocated column represents deferred costs and fees.

Loans (Net Charge-Offs, By Year

Loans (Net Charge-Offs, By Year Of Origination) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year, Current Period Charge-Offs	$ (93)
Financing Receivable, Year One, Originated, Current Fiscal Year, Current Period Net Charge Offs	(93)
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Charge-Offs	(308)
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Recoveries	1
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Net Charge Offs	(307)
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Charge-Offs	(167)
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Recoveries	119
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Net Charge-Offs	(48)
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Charge-Offs	(25)
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Recoveries	6
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Net Charges	(19)
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Recoveries	8
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Net Charge	8
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Charge-Offs	(868)
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Recoveries	154
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Net Charge-Offs	(714)
Charge-offs	(1,461)	$ (2,006)
Recoveries	288	1,217
Net Charge-Offs	(1,173)
SBL Non-Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Charge-Offs	(17)
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Recoveries	2
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Net Charge-Offs	(15)
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Recoveries	8
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Net Charge	8
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Charge-Offs	(868)
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Recoveries	130
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Net Charge-Offs	(738)
Charge-offs	(885)	(1,138)
Recoveries	140	51
Net Charge-Offs	(745)
SBL Commercial Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Charge-offs		(417)
Recoveries		9
Direct Lease Financing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Year One, Originated, Current Fiscal Year, Current Period Charge-Offs	(93)
Financing Receivable, Year One, Originated, Current Fiscal Year, Current Period Net Charge Offs	(93)
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Charge-Offs	(308)
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Recoveries	1
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Net Charge Offs	(307)
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Charge-Offs	(150)
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Recoveries	117
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Net Charge-Offs	(33)
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Charge-Offs	(25)
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Recoveries	6
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Net Charges	(19)
Charge-offs	(576)	(412)
Recoveries	124	58
Net Charge-Offs	(452)
Other Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Recoveries	24
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Net Charge-Offs	24
Charge-offs		(24)
Recoveries	24	$ 1,099
Net Charge-Offs	$ 24

Loans (Scheduled Undiscounted C

Loans (Scheduled Undiscounted Cash Flows Of Direct Financing Leases) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Recent Accounting Pronouncements [Abstract]
2023	$ 183,098
2024	133,711
2025	119,383
2026	56,862
2027	22,653
2028 and thereafter	3,102
Total undiscounted cash flows	518,809
Residual value	182,301	[1]
Difference between undiscounted cash flows and discounted cash flows	(68,950)
Present value of lease payments recorded as lease receivables	632,160
Direct residual value not guaranteed	$ 30,246
[1] Of the $ 182,301,000 , $ 30,246,000 is not guaranteed by the lessee or other guarantors.

Loans (Delinquent Loans By Loan

Loans (Delinquent Loans By Loan Category) (Details) - USD ($) $ in Thousands		Dec. 31, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual		$ 10,356	$ 3,161
Loans Receivable, Gross		5,482,121	3,739,171
Total loans, including unamortized loan fees and costs	[1]	5,486,853	3,747,224
30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		22,312	9,193
60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		3,034	4,339
90+ Days Still Accruing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		7,775	461
Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		43,477	17,154
Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		5,443,376	3,730,070
SBL Non-Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual		1,249	1,313
Loans Receivable, Gross		99,009	132,745
Total loans, including unamortized loan fees and costs	[1]	108,954	147,722
SBL Non-Real Estate [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		1,312	1,375
SBL Non-Real Estate [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		543	3,138
SBL Non-Real Estate [Member] | 90+ Days Still Accruing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		346	441
SBL Non-Real Estate [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		3,450	6,267
SBL Non-Real Estate [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		105,504	141,455
SBL Commercial Mortgage [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual		1,423	812
Loans Receivable, Gross		468,996	353,469
Total loans, including unamortized loan fees and costs	[1]	474,496	361,171
SBL Commercial Mortgage [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		1,853
SBL Commercial Mortgage [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		5	220
SBL Commercial Mortgage [Member] | 90+ Days Still Accruing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		297
SBL Commercial Mortgage [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		3,578	1,032
SBL Commercial Mortgage [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		470,918	360,139
SBL Construction [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual		3,386	710
Loans Receivable, Gross		30,865	27,199
Total loans, including unamortized loan fees and costs	[1]	30,864	27,199
SBL Construction [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		3,386	710
SBL Construction [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		27,478	26,489
Direct Lease Financing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual		3,550	254
Loans Receivable, Gross		632,160	531,012
Total loans, including unamortized loan fees and costs	[1]	632,160	531,012
Direct Lease Financing [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		4,035	1,833
Direct Lease Financing [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		2,053	692
Direct Lease Financing [Member] | 90+ Days Still Accruing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		539	20
Direct Lease Financing [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		10,177	2,799
Direct Lease Financing [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		621,983	528,213
SBLOC/IBLOC [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, including unamortized loan fees and costs	[1]	2,332,469	1,929,581
SBLOC/IBLOC [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		14,782	5,985
SBLOC/IBLOC [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		343	289
SBLOC/IBLOC [Member] | 90+ Days Still Accruing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		2,869
SBLOC/IBLOC [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		17,994	6,274
SBLOC/IBLOC [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		2,314,475	1,923,307
Advisor Financing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		172,468	115,770
Total loans, including unamortized loan fees and costs	[1]	172,468	115,770
Advisor Financing [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		172,468	115,770
Real Estate Bridge Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		1,669,031	621,702
Total loans, including unamortized loan fees and costs	[1]	1,669,031	621,702
Real Estate Bridge Loans [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		1,669,031	621,702
Other Loans II [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non-accrual		748	72
Total loans, including unamortized loan fees and costs		61,679	5,014
Other Loans II [Member] | 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		330
Other Loans II [Member] | 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		90
Other Loans II [Member] | 90+ Days Still Accruing [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		3,724
Other Loans II [Member] | Total Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		4,892	72
Other Loans II [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		56,787	4,942
Unamortized Loan Fees And Costs [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans, including unamortized loan fees and costs		4,732	8,053
Unamortized Loan Fees And Costs [Member] | Current [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans Receivable, Gross		$ 4,732	$ 8,053
[1] The ending balance for loans in the unallocated column represents deferred costs and fees.

Premises And Equipment (Narrati

Premises And Equipment (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Premises And Equipment [Abstract]
Depreciation	$ 2.9	$ 2.9	$ 3.2

Premises And Equipment (Premise

Premises And Equipment (Premises And Equipment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Property, Plant and Equipment [Line Items]
Premises and equipment, Gross	$ 78,246	$ 73,099
Accumulated depreciation	(59,845)	(56,943)
Premises and equipment, net	18,401	16,156
Land [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, Gross	$ 1,732	1,732
Buildings [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	39 years
Premises and equipment, Gross	$ 3,436	3,436
Furniture, Fixtures, and Equipment [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, Gross	$ 61,747	56,600
Furniture, Fixtures, and Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	12 years
Furniture, Fixtures, and Equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	3 years
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Premises and equipment, Gross	$ 11,331	$ 11,331
Leasehold Improvements [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	10 years
Leasehold Improvements [Member] | Minimum [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives	6 years

Time Deposits (Details)

Time Deposits (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Time Deposits [Abstract]
2023	$ 330,000,000
Total	$ 330,000,000	$ 0

Variable Interest Entity (VIE_2

Variable Interest Entity (VIE) (Schedule Of The Total Unpaid Principal Amount Of Assets Held In Private Label Securitization Entities, Including Those In Which The Company Has Continuing Involvement) (Details) - USD ($) $ in Thousands		1 Months Ended	12 Months Ended
		Jul. 31, 2022	Dec. 31, 2022		Dec. 31, 2021
Variable Interest Entity [Line Items]
Total assets			$ 7,903,000		$ 6,843,239
Transfers from investment in unconsolidated entity			0		2,145
CRE2 [Member]
Variable Interest Entity [Line Items]
Total assets		$ 25,900	57,300
The Company's interest in securitized assets in nonconsolidated VIEs			12,574	[1],[2]	12,574
Remaining principal amount to be repaid on securities			58,100
Due To Servicer			$ 1,700
Percent of excess credit support		50%	50%
Total Exposure In Security		$ 25,000
CRE2 [Member] | Variable Interest Entity, Not Primary Beneficiary [Member]
Variable Interest Entity [Line Items]
Total assets			$ 58,143	[2]	76,115
CRE3 [Member] | Variable Interest Entity, Not Primary Beneficiary [Member]
Variable Interest Entity [Line Items]
Total assets			1,939		61,887
CRE4 [Member] | Variable Interest Entity, Not Primary Beneficiary [Member]
Variable Interest Entity [Line Items]
Total assets			9,998		48,405
CRE5 [Member] | Variable Interest Entity, Not Primary Beneficiary [Member]
Variable Interest Entity [Line Items]
Total assets			35,638		112,832
CRE6 [Member]
Variable Interest Entity [Line Items]
The Company's interest in securitized assets in nonconsolidated VIEs					51,558
CRE6 [Member] | Variable Interest Entity, Not Primary Beneficiary [Member]
Variable Interest Entity [Line Items]
Total assets			38,242		343,501
Variable Interest Entity [Member] | CRE2 [Member]
Variable Interest Entity [Line Items]
Total assets	[3]		58,143	[2]	76,115
Variable Interest Entity [Member] | CRE3 [Member]
Variable Interest Entity [Line Items]
Total assets	[3]		1,939		61,887
Variable Interest Entity [Member] | CRE4 [Member]
Variable Interest Entity [Line Items]
Total assets	[3]		9,998		48,405
Variable Interest Entity [Member] | CRE5 [Member]
Variable Interest Entity [Line Items]
Total assets	[3]		35,638		112,832
Variable Interest Entity [Member] | CRE6 [Member]
Variable Interest Entity [Line Items]
Total assets	[3]		38,242		$ 343,501
Commercial Loan [Member]
Variable Interest Entity [Line Items]
Total assets			57,300
Remaining principal amount to be repaid on securities			58,100
Due To Servicer			1,700
Total Exposure In Security		25,000
Foreclosed property		$ 25,900	$ 20,900
[1] The Company’s security purchased from CRE6 was repaid in full during 2022. The entire CRE1 security including the Company’s interests was repaid in full during 2021. As of December 31, 2022, the principal balance of the security purchased from CRE2 was $ 12.6 million. Repayment is expected from the workout or disposition of commercial real estate collateral, after repayment of the one remaining senior tranche. The Company’s $ 12.6 million security has 50 % excess credit support; thus, losses of 50 % of remaining security balances would have to be incurred, prior to any loss on the Company’s security. Additionally, the commercial real estate collateral properties supporting the three remaining loans were re-appraised between 2020 and 2022. The updated appraised value is approximately $ 57.3 million, net of $ 1.7 million due to the servicer. The remaining principal to be repaid on all securities is approximately $ 58.1 million and, as noted, the Company’s security is scheduled to be repaid prior to 50 % of the outstanding securities. However, any future reappraisals could result in further decreases in collateral valuation. While available information indicates that the value of existing collateral will be adequate to repay the security, there can be no assurance that such valuations will be realized upon loan resolutions, and that deficiencies will not exceed the 50 % credit support. Of the remaining three loans, the property collateral for two of the loans is expected to be liquidated through sale. The third loan was originally extended two years to June of 2022 and terms have not yet been reached for another extension, thus putting the loan in maturity default. If not extended by the special servicer, the property will be foreclosed and sold. The property was appraised at $ 25.9 million July 2022 with total exposure in the security of $ 25.0 million. A recent broker opinion of property liquidation value was $ 20.9 million. The existing 50 % credit enhancement continues to provide repayment protection for the Company owned tranche while the servicer continues to advance interest, keeping the CRE-2 securit y current . Consists of commercial loans predominantly secured by real estate.

Debt (Narrative) (Details)

Debt (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) item	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Aug. 13, 2020 USD ($)	Nov. 28, 2007 USD ($)
Debt Instrument [Line Items]
Unsecured lines of credit	$ 0
Overnight borrowing capacity with the federal home loan bank	1,100,000
Line with Federal Reserve Bank	1,390,000,000
Borrowings outstanding on lines with the Federal Reserve Bank
Maturity period	30 days
Number of statutory business trusts established | item	2
Debentures issued	$ 13,401,000	$ 13,401,000
Senior Debt [Member]
Debt Instrument [Line Items]
Debt instrument, face amount				$ 100,000,000
Debenture maturity date	Aug. 15, 2025
Interest rate (in hundredths)				4.75%
The Bancorp Capital Trust II [Member]
Debt Instrument [Line Items]
Debentures issued					$ 10,300,000
Debenture issuance date	Nov. 28, 2007
Debenture maturity date	Mar. 15, 2038
Interest rate (in hundredths)	3.25%
The Bancorp Capital Trust III [Member]
Debt Instrument [Line Items]
Debentures issued					$ 3,100,000
Debenture issuance date	Nov. 28, 2007
Debenture maturity date	Mar. 15, 2038
Interest rate (in hundredths)	3.25%

Debt (Schedule Of Short-term De

Debt (Schedule Of Short-term Debt) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Debt [Abstract]
Balance at year-end
Average during the year	60,312	19,958	27,322
Maximum month-end balance	$ 495,000	$ 300,000	$ 140,000
Weighted average rate during the year (in hundredths)	2.55%	0.25%	0.72%

Debt (Schedule Of Securities So

Debt (Schedule Of Securities Sold Under Agreements To Repurchase) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Debt [Abstract]
Balance at year-end	$ 42	$ 42	$ 42
Average during the year	41	41	49
Maximum month-end balance	$ 42	$ 42	$ 82

Shareholders' Equity (Details)

Shareholders' Equity (Details) - USD ($) $ / shares in Units, $ in Millions	2 Months Ended	3 Months Ended								12 Months Ended
	Feb. 21, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Oct. 26, 2022
Equity, Class of Treasury Stock [Line Items]
Amount per quarter planned for stock repurchase		$ 15	$ 15	$ 15	$ 15					$ 15
Cost of repurchased share		15	15	15	15	$ 10	$ 10	$ 10	$ 10	$ 60	$ 40
Share repurchased during period, shares										2,322,256
Average cost of repurchased stock (in dollars per share)										$ 25.84	$ 21.80
Stock Repurchase Program, Authorized Amount		$ 15	$ 15	$ 15	$ 15					$ 15
Subsequent Event [Member]
Equity, Class of Treasury Stock [Line Items]
Cost of repurchased share	$ 16.6
Average cost of repurchased stock (in dollars per share)	$ 31.87
Common Stock Repurchase Program, 2023 [Member]
Equity, Class of Treasury Stock [Line Items]
Amount per quarter planned for stock repurchase																$ 100
Stock Repurchase Program, Authorized Amount																$ 100
Common Stock Repurchase Program, 2023 [Member] | Forecast [Member]
Equity, Class of Treasury Stock [Line Items]
Amount per quarter planned for stock repurchase												$ 25	$ 25	$ 25	$ 25
Stock Repurchase Program, Authorized Amount												$ 25	$ 25	$ 25	$ 25

Benefit Plans (Details)

Benefit Plans (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Benefit Plans [Abstract]
Employer contribution (in hundredths)	50%
Maximum annual contribution per employee (in hundredths)	6%
Contributions made by employer	$ 2,000,000	$ 1,600,000	$ 1,700,000
Retirement benefits paid per month	25,000
Disbursements under plan	$ 300,000	$ 300,000	$ 300,000
Actuarial assumption discount rate	4.73%	2.12%	1.59%
Actuarial assumption monthly benefit	$ 25,000
Actuarial Assumption, Projected Payouts, Year One	300,000
Actuarial Assumption, Projected Payouts, Year Two	300,000
Actuarial Assumption, Projected Payouts, Year Three	274,000
Actuarial Assumption, Projected Payouts, Year Four	262,000
Actuarial Assumption, Projected Payouts, Year Five	248,000
Actuarial Assumption, Projected Payouts, After Five Years	1,000,000
Retirement plan expense	300,000	$ 300,000	$ 465,000
Accrued potential future payouts	$ 3,000,000

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Taxes [Abstract]
Statutory federal income tax rate	21%	21%	21%
Federal and state valuation allowance	$ 8,158	$ 16,903
Interest or penalties relating to unrecognized tax benefits recorded	$ 0

Income Taxes (Schedule Of Compo

Income Taxes (Schedule Of Components Of The Income Taxes (Benefit)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Taxes [Abstract]
Current tax provision: Federal	$ 29,994	$ 22,364	$ 21,816
Current tax provision: State	11,837	9,958	7,222
Current tax provision	41,831	32,322	29,038
Deferred tax provision (benefit): Federal	5,206	1,564	(966)
Deferred tax provision (benefit): State	664	(162)	(384)
Deferred tax provision (benefit)	5,870	1,402	(1,350)
Income Tax Expense (Benefit), Total	$ 47,701	$ 33,724	$ 27,688

Income Taxes (Schedule Of Incom

Income Taxes (Schedule Of Income Tax Expenses And Statutory Federal Income Tax Rate) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Taxes [Abstract]
Computed tax expense at statutory rate	$ 37,410	$ 30,275	$ 22,740
State taxes	9,499	7,704	5,363
Tax-exempt interest income	(480)	(566)	(517)
Meals and entertainment	6	24	24
Civil money penalty	368
Other net (deductible) nondeductible items	(22)	(3,762)	254
Valuation allowance - domestic		(1,446)	587
Other	920	1,495	(763)
Income Tax Expense (Benefit), Total	$ 47,701	$ 33,724	$ 27,688

Income Taxes (Schedule Of Defer

Income Taxes (Schedule Of Deferred Tax Assets And Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Income Taxes [Abstract]
Deferred tax assets: Allowance for credit losses	$ 5,283	$ 4,031
Deferred tax assets: Non-accrual interest	2,076	1,613
Deferred tax assets: Deferred compensation	625	697
Deferred tax assets: State taxes	1,192	1,857
Deferred tax assets: Nonqualified stock options	747	1,031
Deferred tax assets: Capital loss limitations	8,158	4,158
Deferred tax assets: Tax deductible goodwill	614	1,365
Deferred tax assets: Partnership interest, Walnut St basis difference		13,737
Deferred tax assets: Operating lease liabilities	1,652	2,156
Deferred tax assets: Fair value adjustment to investments		817
Deferred tax assets: Loan charges		3,351
Deferred tax assets: Unrealized gains on investment securities available-for-sale	10,668
Deferred tax assets: Other	222	544
Total gross deferred tax assets	31,237	35,357
Federal and state valuation allowance	(8,158)	(16,903)
Deferred tax liabilities: Unrealized gains on investment securities available-for-sale		2,207
Deferred tax liabilities: Discount on Class A notes		92
Deferred tax liabilities: Depreciation	2,025	1,743
Deferred tax liabilities: Right of use asset	1,314	1,745
Deferred tax liabilities: Fair value adjustment to investments	37
Total deferred tax liabilities	3,376	5,787
Net deferred tax asset	$ 19,703	$ 12,667

Income Taxes (Reconciliation Of

Income Taxes (Reconciliation Of Unrecognized Tax Benefits) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income Taxes [Abstract]
Beginning balance at January 1	$ 338	$ 338	$ 338
Decreases in tax provisions for prior years	(338)
Gross unrecognized tax benefits at December 31		$ 338	$ 338

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	100,000	100,000	300,000
Options Granted (in dollars per share)	$ 14.01	$ 8.51	$ 3.02
Stock option exercised (in shares)	58,531	633,966	99,000
Options exercised and vested in period, total intrinsic value	641,320	1,732,529	710,111
Intrinsic value of options exercised	$ 15.7	$ 35.5	$ 7.1
Fair value of options vested during the year	6.1
Unrecognized compensation cost related to unvested awards under share-based plans	$ 8.1
Cost expected to be recognized over a weighted average period	1 year 1 month 6 days
Stock-based compensation expense, tax benefits recognized	$ 1.6	1.8	1.4
Share-based Payment Arrangement, Expense	$ 7.6	$ 8.6	$ 6.4
The 2020 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of voting power (in hundredths)	10%
Term of option if an employee or consultant possesses more than 10 percent of voting power	5 years
Number of common stock reserved for issuance (in shares)	3,300,000
The 2018 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of voting power (in hundredths)	10%
Term of option if an employee or consultant possesses more than 10 percent of voting power	5 years
Number of common stock reserved for issuance (in shares)	1,700,000
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	260,693	313,697	1,531,702
Granted (in dollars per share)	$ 28.61	$ 18.81	$ 6.87
Restricted Stock Units (RSUs) [Member] | Share-based Payment Arrangement, Tranche One [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	3 years	3 years	2 years 9 months
Granted (in shares)	219,311	261,073	1,387,602
Restricted Stock Units (RSUs) [Member] | Share-based Payment Arrangement, Tranche Two [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	1 year	1 year	1 year
Granted (in shares)	41,382	52,624	144,100
Non Vested Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	100,000
Granted (in dollars per share)	$ 14.01
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period	4 years	4 years	4 years
Maximum [Member] | The 2020 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Option expiration period	10 years
Maximum [Member] | The 2018 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Option expiration period	10 years

Stock-Based Compensation (Summa

Stock-Based Compensation (Summary Of Status Of Company's Equity Compensations Plans) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Shares
Granted (in shares)	100,000	100,000	300,000
Exercised (in shares)	(58,531)	(633,966)	(99,000)
Weighted-average remaining contractual term (years)
Granted	9 years 1 month 13 days
Outstanding	7 years 5 months 23 days	7 years 2 months 1 day
Exercisable, end of period	6 years 8 months 26 days
Equity Compensations Plans [Member]
Shares
Outstanding, beginning of period (in shares)	550,104
Granted (in shares)	100,000
Exercised (in shares)	(58,531)
Forfeited (in shares)	(11,469)
Outstanding, end of period (in shares)	580,104	550,104
Exercisable, end of period (in shares)	238,828
Weighted average exercise price
Outstanding, beginning of period (in dollars per share)	$ 9.67
Granted (in dollars per share)	30.32
Exercised (in dollars per share)	9.48
Outstanding, end of period (in dollars per share)	13.25	$ 9.67
Exercisable, end of period (in dollars per share)	$ 8.69
Aggregate intrinsic value
Outstanding, beginning of period	$ 8,603,191
Exercised	1,321,525
Outstanding, end of period	8,968,660	$ 8,603,191
Exercisable, end of period	$ 4,701,983

Stock-Based Compensation (Sum_2

Stock-Based Compensation (Summary Of Restricted Stock Units) (Details) - Restricted Stock Units (RSUs) [Member] - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Shares [Roll Forward]
Outstanding, beginning of period (in shares)	1,030,124
Granted (in shares)	260,693	313,697	1,531,702
Vested (in shares)	(582,789)
Forfeited (in shares)	(36,332)
Outstanding, end of period (in shares)	671,696	1,030,124
Weighted-average grant date fair value
Outstanding, beginning of period (in dollars per share)	$ 10.49
Granted (in dollars per share)	28.61	$ 18.81	$ 6.87
Vested (in dollars per share)	10.11
Forfeited (in dollars per share)	15.21
Outstanding, end of period (in dollars per share)	$ 17.78	$ 10.49
Average remaining contractual term (years) [Abstract]
Average remaining contractual term (years), Granted	1 year 10 months 2 days
Average remaining contractual term (years), Outstanding	1 year	1 year 2 months 1 day

Stock-Based Compensation (Sum_3

Stock-Based Compensation (Summary Of Non-Vested Options) (Details) - Non Vested Options [Member]	12 Months Ended
	Dec. 31, 2022 $ / shares shares
Shares [Roll Forward]
Outstanding, beginning of period (in shares) | shares	357,552
Granted (in shares) | shares	100,000
Vested (in shares) | shares	(116,276)
Outstanding, end of period (in shares) | shares	341,276
Weighted-average grant date fair value
Outstanding, beginning of period (in dollars per share) | $ / shares	$ 4.63
Granted (in dollars per share) | $ / shares	14.01
Vested (in dollars per share) | $ / shares	4.32
Outstanding, end of period (in dollars per share) | $ / shares	$ 7.49

Stock-Based Compensation (Fair

Stock-Based Compensation (Fair Value Of Grant On Date Of Grant Using The Black-Scholes Options Pricing Model) (Details)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Stock-Based Compensation [Abstract]
Risk-free interest rate (in hundredths)	1.94%	1.19%	0.68%
Expected volatility (in hundredths)	45.10%	45.60%	45.20%
Expected lives (years)	6 years 3 months 18 days	6 years 3 months 18 days	6 years 3 months 18 days

Transactions With Affiliates (D

Transactions With Affiliates (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Directors, Executive Officers, Principal Stockholders And Affiliates [Member]
Related Party Transaction [Line Items]
Due from related parties	$ 5.5	$ 5.2
Duane Morris LLP [Member]
Related Party Transaction [Line Items]
Payment for legal services	$ 1.5	$ 1.9	$ 1.7

Commitments And Contingencies_2

Commitments And Contingencies (Narrative) (Details) - USD ($)				12 Months Ended
	Feb. 25, 2022	Sep. 14, 2021	Jan. 12, 2021	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Rent expense				$ 3,700,000	$ 3,600,000	$ 4,100,000
Sublease Income				$ 729,000	$ 729,000	$ 848,000
Barker [Member]
Loss Contingency, Damages Sought, Value	$ 2,000,000		$ 4,135,142
Kamai [Member]
Loss Contingency, Damages Sought, Value	$ 300,000		901,088
McGlynn [Member]
Loss Contingency, Damages Sought, Value			$ 2,909,627
Cachet [Member]
Loss Contingency, Damages Sought, Value		$ 150,000,000

Commitments And Contingencies_3

Commitments And Contingencies (Schedule Of Future Minimum Annual Rental Payments) (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Commitments And Contingencies [Abstract]
2023	$ 3,402
2024	3,847
2025	2,925
2026	1,375
2027	1,374
Thereafter	16,478
Approximate future minimum annual rental payments	$ 29,401

Financial Instruments With Of_3

Financial Instruments With Off-Balance-Sheet Risk And Concentrations Of Credit Risk (Schedule Of Contract Amounts And Maturity Term Of Credit Commitment) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability	$ 1,981,852	$ 2,156,050
Commitments To Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability	1,980,154	2,154,352
Standby Letters Of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability	$ 1,698	$ 1,698

Fair Value Of Financial Instr_3

Fair Value Of Financial Instruments (Narrative) (Details) - USD ($)		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Aug. 13, 2020
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value, transfers between three levels		$ 0	$ 0
Cash and cash equivalents		888,200,000	601,800,000
Balance of impaired loans		14,272,000	3,983,000
Short-term Debt		0	0
Time deposits		330,000,000	0
Collateral dependent loans			3,000,000
Specific reserves and other write downs on impaired loans		2,067,000	978,000
Troubled debt restructured loans balance		5,275,000	1,479,000
Troubled debt restructured loans, specific reserve		637,000	476,000
Other real estate owned		$ 21,210,000	18,873,000	$ 0
Senior Debt [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Interest rate (in hundredths)					4.75%
Minimum [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated selling costs		7%
Maximum [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated selling costs		10%
Fair Value, Measurements, Nonrecurring [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Collateral dependent loans	[1]	$ 12,205,000	3,005,000
Other real estate owned		$ 21,210,000	$ 18,873,000
Fair Value, Measurements, Nonrecurring [Member] | Minimum [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated selling costs		7%
Fair Value, Measurements, Nonrecurring [Member] | Maximum [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Estimated selling costs		10%
[1] The method of valuation approach for the loans evaluated for an allowance for credit losses on an individual loan basis and also for other real estate owned was the market approach based upon appraisals of the underlying collateral by external appraisers, reduced by 7 % to 10 % for estimated selling costs. Intangible assets are valued based upon internal analyses.

Fair Value Of Financial Instr_4

Fair Value Of Financial Instruments (Carrying Amount And Estimated Fair Value Of Assets And Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Carrying amount and estimated fair value of assets and liabilities [Abstract]
Investment securities available-for-sale	$ 766,016	$ 953,709
Commercial loans, at fair value	589,100,000	1,390,000
Quoted Prices In Active Markets For Identical Assets (Level 1) [Member]
Carrying amount and estimated fair value of assets and liabilities [Abstract]
Securities sold under agreements to repurchase	42	42
Significant Other Observable Inputs (Level 2) [Member]
Carrying amount and estimated fair value of assets and liabilities [Abstract]
Investment securities available-for-sale	745,993	934,678
Interest rate swaps, asset	408
Interest rate swaps, liability		553
Demand and interest checking	6,559,617	5,561,365
Savings and money market	140,496	415,546
Senior debt	93,871	101,980
Time deposits	330,000
Significant Unobservable Inputs (Level 3) [Member]
Carrying amount and estimated fair value of assets and liabilities [Abstract]
Investment securities available-for-sale	20,023	19,031
Federal Home Loan Bank and Atlantic Central Bankers Bank stock	12,629	1,663
Commercial loans, at fair value	589,143	1,388,416
Loans, net of deferred loan fees and costs	5,462,948	3,745,548
Assets held-for-sale from discontinued operations		3,268
Subordinated debentures	10,067	8,815
Carrying Amount [Member]
Carrying amount and estimated fair value of assets and liabilities [Abstract]
Investment securities available-for-sale	766,016	953,709
Federal Home Loan Bank and Atlantic Central Bankers Bank stock	12,629	1,663
Commercial loans, at fair value	589,143	1,388,416
Loans, net of deferred loan fees and costs	5,486,853	3,747,224
Assets held-for-sale from discontinued operations		3,268
Interest rate swaps, asset	408
Interest rate swaps, liability		553
Demand and interest checking	6,559,617	5,561,365
Savings and money market	140,496	415,546
Senior debt	99,050	98,682
Time deposits	330,000
Subordinated debentures	13,401	13,401
Securities sold under agreements to repurchase	42	42
Estimated Fair Value [Member]
Carrying amount and estimated fair value of assets and liabilities [Abstract]
Investment securities available-for-sale	766,016	953,709
Federal Home Loan Bank and Atlantic Central Bankers Bank stock	12,629	1,663
Commercial loans, at fair value	589,143	1,388,416
Loans, net of deferred loan fees and costs	5,462,948	3,745,548
Assets held-for-sale from discontinued operations		3,268
Interest rate swaps, asset	408
Interest rate swaps, liability		553
Demand and interest checking	6,559,617	5,561,365
Savings and money market	140,496	415,546
Senior debt	93,871	101,980
Time deposits	330,000
Subordinated debentures	10,067	8,815
Securities sold under agreements to repurchase	$ 42	$ 42

Fair Value Of Financial Instr_5

Fair Value Of Financial Instruments (Assets Measured At Fair Value On A Recurring And Nonrecurring Basis) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Assets measured at fair value on a recurring basis [Abstract]
Total investment securities, available-for-sale		$ 766,016	$ 953,709
Commercial loans, at fair value		589,100,000	1,390,000
Assets measured on a nonrecurring basis [Abstract]
Collateral dependent loans			3,000
Other real estate owned		21,210	18,873	$ 0
Fair Value, Measurements, Recurring [Member]
Assets measured at fair value on a recurring basis [Abstract]
U.S. Government agency securities		28,381	37,302
Asset-backed securities		334,009	360,418
Obligations of states and political subdivisions		47,510	52,137
Residential mortgage-backed securities		139,820	184,301
Collateralized mortgage obligation securities		41,783	61,861
Commercial mortgage-backed securities		166,813	251,076
Corporate debt securities		7,700	6,614
Total investment securities, available-for-sale		766,016	953,709
Commercial loans, at fair value		589,143	1,388,416
Assets held-for-sale from discontinued operations			3,268
Interest rate swaps, asset		408
Interest rate swaps, liability			553
Total assets		1,355,567	2,344,840
Fair Value, Measurements, Nonrecurring [Member]
Assets measured on a nonrecurring basis [Abstract]
Collateral dependent loans	[1]	12,205	3,005
Other real estate owned		21,210	18,873
Intangible assets		2,049	2,447
Assets nonrecurring		35,464	24,325
Significant Other Observable Inputs (Level 2) [Member]
Assets measured at fair value on a recurring basis [Abstract]
Total investment securities, available-for-sale		745,993	934,678
Interest rate swaps, asset		408
Interest rate swaps, liability			553
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member]
Assets measured at fair value on a recurring basis [Abstract]
U.S. Government agency securities		28,381	37,302
Asset-backed securities		334,009	360,418
Obligations of states and political subdivisions		47,510	52,137
Residential mortgage-backed securities		139,820	184,301
Collateralized mortgage obligation securities		41,783	61,861
Commercial mortgage-backed securities		154,490	238,659
Total investment securities, available-for-sale		745,993	934,678
Interest rate swaps, asset		408
Interest rate swaps, liability			553
Total assets		746,401	934,125
Significant Unobservable Inputs (Level 3) [Member]
Assets measured at fair value on a recurring basis [Abstract]
Total investment securities, available-for-sale		20,023	19,031
Commercial loans, at fair value		589,143	1,388,416
Assets held-for-sale from discontinued operations			3,268
Assets measured on a nonrecurring basis [Abstract]
Other real estate owned		21,210	18,873
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member]
Assets measured at fair value on a recurring basis [Abstract]
Commercial mortgage-backed securities		12,323	12,417
Corporate debt securities		7,700	6,614
Total investment securities, available-for-sale		20,023	19,031
Commercial loans, at fair value		589,143	1,388,416
Assets held-for-sale from discontinued operations			3,268
Total assets		609,166	1,410,715
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Nonrecurring [Member]
Assets measured on a nonrecurring basis [Abstract]
Collateral dependent loans	[1]	12,205	3,005
Other real estate owned		21,210	18,873
Intangible assets		2,049	2,447
Assets nonrecurring		$ 35,464	$ 24,325
Minimum [Member]
Assets measured on a nonrecurring basis [Abstract]
Estimated Selling Costs		7%
Minimum [Member] | Fair Value, Measurements, Nonrecurring [Member]
Assets measured on a nonrecurring basis [Abstract]
Estimated Selling Costs		7%
Maximum [Member]
Assets measured on a nonrecurring basis [Abstract]
Estimated Selling Costs		10%
Maximum [Member] | Fair Value, Measurements, Nonrecurring [Member]
Assets measured on a nonrecurring basis [Abstract]
Estimated Selling Costs		10%
[1] The method of valuation approach for the loans evaluated for an allowance for credit losses on an individual loan basis and also for other real estate owned was the market approach based upon appraisals of the underlying collateral by external appraisers, reduced by 7 % to 10 % for estimated selling costs. Intangible assets are valued based upon internal analyses.

Fair Value Of Financial Instr_6

Fair Value Of Financial Instruments (Changes In Company's Level 3 Assets) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Assets Held-For-Sale From Discontinued Operations [Member]
Changes in Company's Level 3 assets [Roll Forward]
Beginning balance	$ 3,268	$ 113,650
Total (losses) or gains (realized/unrealized) Included in earnings		1,102
Purchases, issuances, sales, settlements and charge-offs
Issuances		5,222
Sales		(2,020)
Settlements	(3,268)	(35,750)
Charge-offs		(13)
Ending balance		3,268
The amount of total gains or (losses) for the period included in earnings attributable to the change in unrealized gains or losses relating to assets still held at the reporting date		566
Investment In Unconsolidated Entity [Member]
Changes in Company's Level 3 assets [Roll Forward]
Beginning balance		31,294
Purchases, issuances, sales, settlements and charge-offs
Settlements		(6,223)
Available-For-Sale Securities [Member]
Changes in Company's Level 3 assets [Roll Forward]
Beginning balance	19,031	178,951
Total (losses) or gains (realized/unrealized) Included in earnings		(44)
Total (losses) or gains (realized/unrealized) Included in other comprehensive loss	992	(1,422)
Purchases, issuances, sales, settlements and charge-offs
Settlements		(158,454)
Ending balance	20,023	19,031
Commercial Loans Held for Sale [Member]
Changes in Company's Level 3 assets [Roll Forward]
Beginning balance	1,388,416	1,810,812
Transfers from investment in unconsolidated entity		22,926
Transfer from assets held-for-sale from discontinued operations		61,580
Transfers to loans, net	(61,580)
Total (losses) or gains (realized/unrealized) Included in earnings	12,570	13,214
Purchases, issuances, sales, settlements and charge-offs
Issuances	66,067	127,765
Settlements	(816,330)	(647,881)
Ending balance	589,143	1,388,416
The amount of total gains or (losses) for the period included in earnings attributable to the change in unrealized gains or losses relating to assets still held at the reporting date	$ (3,492)	(2,133)
Commercial Loans At Fair Value [Member] | Assets Held-For-Sale From Discontinued Operations [Member]
Changes in Company's Level 3 assets [Roll Forward]
Transfers out of level 3		(61,580)
Commercial Loans At Fair Value [Member] | Investment In Unconsolidated Entity [Member]
Changes in Company's Level 3 assets [Roll Forward]
Transfers out of level 3		(22,926)
Other Real Estate Owned [Member] | Assets Held-For-Sale From Discontinued Operations [Member]
Changes in Company's Level 3 assets [Roll Forward]
Transfers out of level 3		(17,343)
Other Real Estate Owned [Member] | Investment In Unconsolidated Entity [Member]
Changes in Company's Level 3 assets [Roll Forward]
Transfers out of level 3		$ (2,145)

Fair Value Of Financial Instr_7

Fair Value Of Financial Instruments (Schedule Of Other Real Estate Owned) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Fair Value Of Financial Instruments [Abstract]
Beginning balance	$ 18,873	$ 0
Transfers from investment in unconsolidated entity	0	2,145
Sales	(2,343)	(615)
Transfers from commercial loans, at fair value	4,680	0
Transfer from discontinued operations	0	17,343
Ending balance	$ 21,210	$ 18,873

Fair Value Of Financial Instr_8

Fair Value Of Financial Instruments (Fair Value Inputs, Assets, Quantitative Information) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) item	Dec. 31, 2021 USD ($) item	Dec. 31, 2020 USD ($)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available-for-sale | $	$ 766,016	$ 953,709
Commercial loans held for sale | $	589,100,000	1,390,000
Other real estate owned | $	21,210	18,873	$ 0
Notes Receivable Gross | $	$ 5,482,121	$ 3,739,171
Subordinated Debentures [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Number Of Debt Instruments	2
London Interbank Offered Rate (LIBOR) [Member] | Subordinated Debentures [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt Instrument, Basis Spread on Variable Rate	3.25%
Minimum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans, net of deferred loan fees and costs, measurement input	0.0565	0.0100
Assets held-for-sale from discontinued operations, measurement input		0.0318
Maximum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans, net of deferred loan fees and costs, measurement input	0.1100	0.0700
Assets held-for-sale from discontinued operations, measurement input		0.0680
Weighted Average [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans, net of deferred loan fees and costs, measurement input	0.0686	0.0370
Assets held-for-sale from discontinued operations, measurement input		0.0436
Subordinated debentures, measurement input	0.1150	0.0700
Commercial Mortgage-backed Securities [Member] | Minimum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available-for-sale, measurement input	0.1271	0.0800
Commercial Mortgage-backed Securities [Member] | Weighted Average [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available-for-sale, measurement input	0.1271	0.0800
Insurance Liquidating Trust Preferred Security [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available-for-sale, measurement input		0.0700
Insurance Liquidating Trust Preferred Security [Member] | Weighted Average [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available-for-sale, measurement input	0.1150	0.0700
Commercial - SBA [Member] | Minimum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input	0.0557
Commercial - SBA [Member] | Minimum [Member] | Measurement Input, Offered Price [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input		0.0104
Commercial - SBA [Member] | Maximum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input	0.0625
Commercial - SBA [Member] | Maximum [Member] | Measurement Input, Offered Price [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input		0.0212
Commercial - SBA [Member] | Weighted Average [Member] | Measurement Input, Offered Price [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input	6.17	103.40
Non-SBA CRE - Fixed [Member] | Minimum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input	0.0836
Non-SBA CRE - Fixed [Member] | Maximum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input	0.1165
Non-SBA CRE - Fixed [Member] | Weighted Average [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input		0.0626
Non-SBA CRE - Floating [Member] | Minimum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input	0.0707
Non-SBA CRE - Floating [Member] | Maximum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input	0.1720
Non-SBA CRE - Floating [Member] | Weighted Average [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input		0.0496
Other Loans [Member] | Minimum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input		0.0318
Other Loans [Member] | Maximum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input		0.0680
Other Loans [Member] | Weighted Average [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input		0.0436
Commercial - Fixed [Member] | Minimum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input		0.0531
Commercial - Fixed [Member] | Maximum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input		0.0743
Commercial - Fixed [Member] | Weighted Average [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input	0.1031
Commercial - Floating [Member] | Minimum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input		0.0396
Commercial - Floating [Member] | Maximum [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input		0.1020
Commercial - Floating [Member] | Weighted Average [Member] | Measurement Input, Discount Rate [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale, measurement input	0.0790
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available-for-sale | $	$ 20,023	$ 19,031
Federal Home Loan Bank And Atlantic Central Bankers Bank stock | $	12,629	1,663
Loans, net of deferred loan fees and costs | $	5,462,948	3,745,548
Commercial loans held for sale | $	589,143	1,388,416
Assets held-for-sale from discontinued operations | $		3,268
Subordinated debentures | $	10,067	8,815
Other real estate owned | $	21,210	18,873
Significant Unobservable Inputs (Level 3) [Member] | Commercial Mortgage-backed Securities [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available-for-sale | $	12,323	12,417
Significant Unobservable Inputs (Level 3) [Member] | Insurance Liquidating Trust Preferred Security [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available-for-sale | $	7,700	6,614
Significant Unobservable Inputs (Level 3) [Member] | Commercial - SBA [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale | $	146,717	199,585
Significant Unobservable Inputs (Level 3) [Member] | Other Loans [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale | $		61,580
Significant Unobservable Inputs (Level 3) [Member] | Commercial - Fixed [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale | $	28,695	79,864
Significant Unobservable Inputs (Level 3) [Member] | Commercial - Floating [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Commercial loans held for sale | $	$ 413,731	$ 1,047,387

Derivatives (Narrative) (Detail

Derivatives (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) agreement	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Derivative [Line Items]
Notional Amount	$ 6,800
Cash collateral	$ 523	$ 2,300
Interest Rate Swap [Member]
Derivative [Line Items]
Number of interest rate swap agreements | agreement	1
Fair value adjustment on derivatives, gain	$ 961	$ 1,700
Fair value adjustment on derivatives, loss			$ 2,000
Receivable under agreements	$ 408

Derivatives (Summary Of Derivat

Derivatives (Summary Of Derivatives) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Derivative [Line Items]
Notional Amount	$ 6,800
Fair Value	$ 408
December 24, 2025 [Member]
Derivative [Line Items]
Maturity Date	Dec. 23, 2025
Notional Amount	$ 6,800
Interest rate paid (in hundredths)	2.16%
Interest rate received (in hundredths)	4.73%
Fair Value	$ 408

Regulatory Matters (Schedule Of

Regulatory Matters (Schedule Of Regulatory Capital Amounts) (Details) $ in Thousands	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
The Bancorp, Inc. [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 capital (to average assets): Actual Amount	$ 722,238	$ 643,850
Tier 1 capital (to average assets): For capital adequacy purposes	$ 299,913	$ 247,722
Tier 1 capital to average assets ratio	0.0963	0.1040
Tier 1 capital (to risk-weighted assets): Actual Amount	$ 722,238	$ 643,850
Tier 1 capital (to risk-weighted assets): For capital adequacy purposes	$ 323,403	$ 262,442
Tier 1 capital to risk-weighted assets ratio	0.1340	0.1472
Total capital (to risk-weighted assets): Actual Amount	$ 747,372	$ 661,656
Total capital (to risk-weighted assets): For capital adequacy purposes	$ 431,203	$ 349,923
Total capital to risk-weighted assets ratio	0.1387	0.1513
The Bancorp Bank, National Association [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 capital (to average assets): Actual Amount	$ 804,406	$ 677,644
Tier 1 capital (to average assets): For capital adequacy purposes	299,794	247,630
Tier 1 capital (to average assets): To be well capitalized under prompt corrective action provisions	$ 374,742	$ 309,537
Tier 1 capital to average assets ratio	0.1073	0.1098
Tier 1 capital (to average assets): For capital adequacy purposes (in hundredths)	0.0400	0.0400
Tier 1 capital (to risk-weighted assets): Actual Amount	$ 804,406	$ 677,644
Tier 1 capital (to risk-weighted assets): For capital adequacy purposes	322,862	262,423
Tier 1 capital (to risk-weighted assets): To be well capitalized under prompt corrective action provisions	$ 430,483	$ 349,897
Tier 1 capital to risk-weighted assets ratio	0.1495	0.1548
Tier 1 capital (to risk-weighted assets): For capital adequacy purposes (in hundredths)	0.0600	0.0600
Total capital (to risk-weighted assets): Actual Amount	$ 829,540	$ 695,450
Total capital (to risk-weighted assets): For capital adequacy purposes	430,483	349,897
Total capital (to risk-weighted assets): To be well capitalized under prompt corrective action provisions	$ 538,103	$ 437,371
Total capital to risk-weighted assets ratio	0.1542	0.1588
Total capital (to risk-weighted assets): For capital adequacy purposes (in hundredths)	0.0800	0.0800
Common Equity [Member] | The Bancorp, Inc. [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 capital (to risk-weighted assets): Actual Amount	$ 722,238	$ 643,850
Tier 1 capital (to risk-weighted assets): For capital adequacy purposes	$ 215,602	$ 174,962
Tier 1 capital to risk-weighted assets ratio	0.1340	0.1472
Tier 1 capital (to risk-weighted assets): For capital adequacy purposes (in hundredths)	0.0400	0.0400
Common Equity [Member] | The Bancorp Bank, National Association [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 capital (to risk-weighted assets): Actual Amount	$ 804,406	$ 677,644
Tier 1 capital (to risk-weighted assets): For capital adequacy purposes	242,147	196,817
Tier 1 capital (to risk-weighted assets): To be well capitalized under prompt corrective action provisions	$ 349,767	$ 284,291
Tier 1 capital to risk-weighted assets ratio	0.1495	0.1548
Tier 1 capital (to risk-weighted assets): For capital adequacy purposes (in hundredths)	0.0450	0.0450
Tier 1 capital to risk-weighted assets ratio "Well capitalized" institution (under FDIC regulations-Basel III)	0.0650	0.0650
Minimum [Member] | The Bancorp, Inc. [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 capital (to average assets): For capital adequacy purposes (in hundredths)	0.0400	0.0400
Tier 1 capital (to risk-weighted assets): For capital adequacy purposes (in hundredths)	0.0600	0.0600
Total capital (to risk-weighted assets): For capital adequacy purposes (in hundredths)	0.0800	0.0800
Minimum [Member] | The Bancorp Bank, National Association [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 capital to average assets ratio "Well capitalized" institution (under FDIC regulations-Basel III)	0.0500	0.0500
Tier 1 capital to risk-weighted assets ratio "Well capitalized" institution (under FDIC regulations-Basel III)	0.0800	0.0800
Total capital to risk-weighted assets ratio "Well capitalized" institution (under federal regulations-Basel III)	0.1000	0.1000

Condensed Financial Informati_3

Condensed Financial Information-Parent Only (Schedule Of Condensed Balance Sheet) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 24,063	$ 5,382
Other assets	89,176	96,967
Total assets	7,903,000	6,843,239
Liabilities and stockholders' equity
Other liabilities	56,335	62,228
Senior debt	99,050	98,682
Stockholders' equity	694,031	652,454	$ 581,164	$ 484,497
Total liabilities and shareholders' equity	7,903,000	6,843,239
The Bancorp, Inc. [Member]
Assets
Cash and due from banks	18,712	68,383
Investment in subsidiaries	776,199	686,248
Other assets	13,016	11,324
Total assets	807,927	765,955
Liabilities and stockholders' equity
Other liabilities	1,445	1,418
Senior debt	99,050	98,682
Subordinated debenture	13,401	13,401
Stockholders' equity	694,031	652,454
Total liabilities and shareholders' equity	$ 807,927	$ 765,955

Condensed Financial Informati_4

Condensed Financial Information-Parent Only (Schedule Of Condensed Statements Of Operations) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Expense
Interest on subordinated debentures	$ 658	$ 449	$ 524
Interest on senior debt	1,004
Non-interest expense	169,502	168,350	164,847
Income before income tax	177,914	144,165	108,284
Income tax expense	47,701	33,724	27,688
Net income	130,213	110,653	80,084
The Bancorp, Inc. [Member]
Income
Other income	10		1
Total income	10		1
Expense
Interest on subordinated debentures	657	449	524
Interest on senior debt	5,118	5,118	1,913
Non-interest expense	8,520	9,266	7,486
Total expense	14,295	14,833	9,923
Income tax expense	(2,999)	(3,114)
Equity in undistributed income of subsidiaries	141,499	122,372	90,006
Net income	$ 130,213	$ 110,653	$ 80,084

Condensed Financial Informati_5

Condensed Financial Information-Parent Only (Schedule Of Condensed Cash Flow Statement) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Operating activities
Net income	$ 130,213	$ 110,653	$ 80,084
Net amortization of investment securities discounts/premiums	1,704	3,458	15,825
(Increase) decrease in other assets	(1,802)	(17,030)	2,350
Increase (decrease) in other liabilities	(5,340)	(18,399)	9,489
Stock-based compensation expense	7,592	8,626	6,429
Net cash provided by operating activities	120,982	83,892	120,685
Investing activities
Net cash used in investing activities	(828,099)	(305,902)	(1,228,658)
Financing activities
Proceeds from the exercise of common stock options	320	3,428	866
Proceeds of senior debt offering			98,160
Repurchases of common stock	(60,000)	(40,000)
Net cash provided by financing activities	993,522	478,279	509,016
Net increase (decrease) in cash and cash equivalents	286,405	256,269	(598,957)
Cash and cash equivalents, beginning of period	601,784
Cash and cash equivalents, end of period	888,189	601,784
The Bancorp, Inc. [Member]
Operating activities
Net income	130,213	110,653	80,084
Net amortization of investment securities discounts/premiums	368	368
(Increase) decrease in other assets	(1,692)	(3,164)	484
Increase (decrease) in other liabilities	27	(423)	1,810
Stock-based compensation expense	7,592	8,626	6,429
Equity in undistributed income	(141,499)	(122,372)	(90,006)
Net cash provided by operating activities	(4,991)	(6,312)	(1,199)
Investing activities
Contribution from subsidiary	15,000
Net cash used in investing activities	15,000
Financing activities
Proceeds from the exercise of common stock options	320	3,428	866
Proceeds of senior debt offering			98,314
Repurchases of common stock	(60,000)	(40,000)
Net cash provided by financing activities	(59,680)	(36,572)	99,180
Net increase (decrease) in cash and cash equivalents	(49,671)	(42,884)	97,981
Cash and cash equivalents, beginning of period	68,383	111,267	13,286
Cash and cash equivalents, end of period	$ 18,712	$ 68,383	$ 111,267

Segment Financials (Narrative)

Segment Financials (Narrative) (Details)	12 Months Ended
	Dec. 31, 2022 segment
Segment Financials [Abstract]
Continuing operation segments	4

Segment Financials (Schedule Of

Segment Financials (Schedule Of Segment Financials) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Segment Reporting Information [Line Items]
Interest income	$ 308,295	$ 222,115	$ 210,782
Interest expense	59,454	11,239	15,916
Net interest income	248,841	210,876	194,866
Provision for credit losses	7,108	3,110	6,352
Non-interest income	105,683	104,749	84,617
Non-interest expense	169,502	168,350	164,847
Income before income tax	177,914	144,165	108,284
Income tax expense	47,701	33,724	27,688
Net income from continuing operations	130,213	110,441	80,596
Income (Loss) from discontinued operations		212	(512)
Net income	130,213	110,653	80,084
Total assets	7,903,000	6,843,239
Total liabilities	7,208,969	6,190,785
Specialty Finance [Member]
Segment Reporting Information [Line Items]
Interest income	273,392	191,867	170,847
Interest allocation	(55,680)	(17,217)	(29,255)
Interest expense	3,083	963	1,024
Net interest income	214,629	173,687	140,568
Provision for credit losses	7,108	3,110	6,352
Non-interest income	15,371	22,331	678
Non-interest expense	71,878	67,263	68,244
Income before income tax	151,014	125,645	66,650
Net income from continuing operations		125,645	66,650
Net income	151,014	125,645	66,650
Total assets	6,042,765	5,099,388
Total liabilities	321,335	329,372
Payments [Member]
Segment Reporting Information [Line Items]
Interest income	113
Interest allocation	56,064	20,634	36,890
Interest expense	42,883	4,162	8,690
Net interest income	13,294	16,472	28,200
Non-interest income	86,313	82,343	83,751
Non-interest expense	69,261	69,716	68,379
Income before income tax	30,346	29,099	43,572
Net income from continuing operations		29,099	43,572
Net income	30,346	29,099	43,572
Total assets	57,894	41,593
Total liabilities	6,101,539	5,312,115
Corporate [Member]
Segment Reporting Information [Line Items]
Interest income	34,790	30,248	39,935
Interest allocation	(384)	(3,417)	(7,635)
Interest expense	13,488	6,114	6,202
Net interest income	20,918	20,717	26,098
Non-interest income	3,999	75	188
Non-interest expense	28,363	31,371	28,224
Income before income tax	(3,446)	(10,579)	(1,938)
Income tax expense	47,701	33,724	27,688
Net income from continuing operations		(44,303)	(29,626)
Net income	(51,147)	(44,303)	(29,626)
Total assets	1,802,341	1,698,990
Total liabilities	$ 786,095	549,298
Discontinued Operations [Member]
Segment Reporting Information [Line Items]
Income (Loss) from discontinued operations		212	(512)
Net income		212	$ (512)
Total assets		$ 3,268

Discontinued Operations (Narrat

Discontinued Operations (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Mar. 31, 2022
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Fair value adjustments	$ 0	$ 1,500,000	$ 520,000
Other real estate owned expenses and losses	0	2,800,000	5,500,000
Loans held for investment	5,464,479,000	3,729,418,000
Other real estate owned	21,210,000	$ 18,873,000	$ 0
Disposition Efforts, Reclassified [Member]
Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Line Items]
Loans held for investment				$ 61,600,000
Other real estate owned	$ 17,300,000			$ 17,300,000

Discontinued Operations (Financ

Discontinued Operations (Financial Results Of The Commercial Lending Business Included In Net Income (Loss) From Discontinued Operations) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2022
Discontinued Operations [Abstract]
Interest income	$ 3,096	$ 4,222
Net interest income	3,096	4,222
Non-interest income	99	21
Non-interest expense	2,907	8,059
Loss before taxes	288	(3,816)
Income tax expense (benefit)	76	(3,304)
Net loss	212	$ (512)
Commercial loans, at fair value	2,907
Other real estate owned	361
Total assets	$ 3,268		$ 0