Coastal Financial (CCB) 10-Q 7 Aug 23 2023 Q2 Quarterly report Financial data

Cover

Cover - shares	6 Months Ended
	Jun. 30, 2023	Aug. 03, 2023
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2023
Document Transition Report	false
Entity File Number	001-38589
Entity Registrant Name	COASTAL FINANCIAL CORPORATION
Entity Incorporation, State or Country Code	WA
Entity Tax Identification Number	56-2392007
Entity Address, Address Line One	5415 Evergreen Way
Entity Address, City or Town	Everett
Entity Address, State or Province	WA
Entity Address, Postal Zip Code	98203
City Area Code	425
Local Phone Number	257-9000
Title of 12(b) Security	Common Stock, no par value per share
Trading Symbol	CCB
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	true
Entity Ex Transition Period	true
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		13,301,679
Entity Central Index Key	0001437958
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q2
Amendment Flag	false

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 29,783	$ 32,722
Interest earning deposits with other banks (restricted cash of $0 at June 30, 2023 and December 31, 2022)	245,277	309,417
Investment securities, available for sale, at fair value	98,167	97,317
Investment securities, held to maturity, at amortized cost	12,563	1,036
Other investments	12,037	10,555
Loans held for sale	35,923	0
Loans receivable	3,007,553	2,627,256
Allowance for credit losses	(110,762)	(74,029)
Total loans receivable, net	2,896,791	2,553,227
CCBX credit enhancement asset	96,928	53,377
CCBX receivable	19,113	10,416
Premises and equipment, net	18,903	18,213
Operating lease right-of-use assets	6,216	5,018
Accrued interest receivable	21,581	17,815
Bank-owned life insurance, net	12,873	12,667
Deferred tax asset, net	25,764	18,458
Other assets	3,364	4,229
Total assets	3,535,283	3,144,467
LIABILITIES
Deposits	3,162,572	2,817,521
Principal amount $45,000 (less unamortized debt issuance costs of $931 and $1,001) at June 30, 2023 and December 31, 2022, respectively	44,069	43,999
Principal amount $3,609 (less unamortized debt issuance costs of $20 at June 30, 2023 and December 31, 2022)	3,589	3,588
Deferred compensation	547	616
Accrued interest payable	766	684
Operating lease liabilities	6,413	5,234
CCBX payable	27,714	20,419
Other liabilities	16,951	8,912
Total liabilities	3,262,621	2,900,973
SHAREHOLDERS’ EQUITY
Authorized: 25,000,000 shares at June 30, 2023 and December 31, 2022; issued and outstanding: zero shares at June 30, 2023 and December 31, 2022	0	0
Authorized: 300,000,000 shares at June 30, 2023 and December 31, 2022; 13,300,809 shares at June 30, 2023 issued and outstanding and 13,161,147 shares at December 31, 2022 issued and outstanding	128,315	125,830
Retained earnings	146,029	119,998
Accumulated other comprehensive loss, net of tax	(1,682)	(2,334)
Total shareholders’ equity	272,662	243,494
Total liabilities and shareholders’ equity	$ 3,535,283	$ 3,144,467

CONDENSED CONSOLIDATED BALANC_2

CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Restricted cash	$ 0	$ 0
Preferred stock, no par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	25,000,000	25,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, no par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	300,000,000	300,000,000
Voting Common Stock
Common stock, shares, issued (in shares)	13,300,809	13,161,147
Common stock, shares, outstanding (in shares)	13,300,809	13,161,147
Subordinated Debt
Principal amount	$ 45,000	$ 45,000
Unamortized debt issuance cost	931	1,001
Junior Subordinated Debentures
Principal amount	3,609	3,609
Unamortized debt issuance cost	$ 20	$ 20

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
INTEREST AND DIVIDEND INCOME
Interest and fees on loans	$ 80,199	$ 40,166	$ 146,630	$ 69,798
Interest on interest earning deposits with other banks	2,678	956	5,775	1,358
Interest on investment securities	653	563	1,206	634
Dividends on other investments	156	134	186	171
Total interest income	83,686	41,819	153,797	71,961
INTEREST EXPENSE
Interest on deposits	20,675	1,673	35,633	2,226
Interest on borrowed funds	661	260	1,323	581
Total interest expense	21,336	1,933	36,956	2,807
Net interest income	62,350	39,886	116,841	69,154
PROVISION FOR CREDIT LOSSES - LOANS	52,598	14,094	96,142	27,036
RECAPTURE FOR UNFUNDED COMMITMENTS	(345)	0	(192)	0
Net interest income after provision for credit losses - loans and unfunded commitments	10,097	25,792	20,891	42,118
NONINTEREST INCOME
Deposit service charges and fees	989	988	1,899	1,872
Loan referral fees	682	208	682	810
Gain on sales of loans, net	23	0	146	0
Unrealized (loss) gain on equity securities, net	155	0	194	0
Other income	234	396	533	784
Noninterest income, excluding BaaS program income and BaaS indemnification income	2,083	1,592	3,454	3,466
Total noninterest income	58,595	25,492	107,902	47,478
NONINTEREST EXPENSE
Salaries and employee benefits	16,309	12,238	31,884	23,323
Occupancy	1,143	1,083	2,362	2,219
Data processing and software licenses	1,972	1,546	3,812	3,050
Legal and professional expenses	4,645	1,002	7,707	1,710
Point of sale expense	814	409	1,567	657
Excise taxes	531	564	986	913
Federal Deposit Insurance Corporation ("FDIC") assessments	570	855	1,165	1,459
Director and staff expenses	519	377	1,145	721
Marketing	115	74	210	173
Other expense	1,722	1,318	2,612	2,795
Noninterest expense, excluding BaaS loan and BaaS fraud expense	28,340	19,466	53,450	37,020
BaaS loan and fraud expense	23,570	18,703	43,123	31,564
Total noninterest expense	51,910	38,169	96,573	68,584
Income before provision for income taxes	16,782	13,115	32,220	21,012
PROVISION FOR INCOME TAXES	3,876	2,939	6,923	4,606
NET INCOME	$ 12,906	$ 10,176	$ 25,297	$ 16,406
Basic earnings per common share (in usd per share)	$ 0.97	$ 0.79	$ 1.91	$ 1.27
Diluted earnings per common share (in usd per share)	$ 0.95	$ 0.76	$ 1.86	$ 1.22
Weighted average number of common shares outstanding:
Basic (in shares)	13,275,640	12,928,061	13,236,517	12,913,485
Diluted (in shares)	13,597,763	13,442,013	13,603,594	13,458,706
BaaS program income
NONINTEREST INCOME
Noninterest income	$ 3,948	$ 3,219	$ 7,523	$ 5,685
BaaS indemnification income
NONINTEREST INCOME
Noninterest income	52,564	20,681	96,925	38,327
Servicing and other BaaS fees | BaaS program income
NONINTEREST INCOME
Noninterest income	895	1,159	1,843	2,328
Transaction fees | BaaS program income
NONINTEREST INCOME
Noninterest income	1,052	814	1,969	1,307
Interchange fees | BaaS program income
NONINTEREST INCOME
Noninterest income	975	628	1,764	1,060
Reimbursement of expenses | BaaS program income
NONINTEREST INCOME
Noninterest income	1,026	618	1,947	990
BaaS credit enhancements | BaaS indemnification income
NONINTEREST INCOME
Noninterest income	51,027	14,207	93,389	27,282
BaaS fraud enhancements | BaaS indemnification income
NONINTEREST INCOME
Noninterest income	1,537	6,474	3,536	11,045
BaaS loan expense
NONINTEREST EXPENSE
BaaS loan and fraud expense	22,033	12,229	39,587	20,519
BaaS fraud expense
NONINTEREST EXPENSE
BaaS loan and fraud expense	$ 1,537	$ 6,474	$ 3,536	$ 11,045

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Statement of Comprehensive Income [Abstract]
NET INCOME	$ 12,906	$ 10,176	$ 25,297	$ 16,406
Securities available-for-sale
Unrealized holding income (loss) during the period	163	(1,351)	841	(1,701)
Income tax (expense) benefit related to unrealized holding gain/loss	(38)	282	(189)	353
OTHER COMPREHENSIVE INCOME (LOSS), net of tax	125	(1,069)	652	(1,348)
COMPREHENSIVE INCOME	$ 13,031	$ 9,107	$ 25,949	$ 15,058

CONDENSED CONSOLIDATED STATEM_3

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (UNAUDITED) - USD ($) $ in Thousands	Total	Revision of Prior Period, Accounting Standards Update, Adjustment	Common Stock	Retained Earnings	Retained Earnings Revision of Prior Period, Accounting Standards Update, Adjustment	Accumulated Other Comprehensive Income (Loss)
Beginning balance (in shares) at Dec. 31, 2021			12,875,315
Beginning balance at Dec. 31, 2021	$ 201,222		$ 121,845	$ 79,373		$ 4
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	16,406			16,406
Issuance of restricted stock awards (in shares)			10,396
Vesting of restricted stock units (in shares)			26,637
Exercise of stock options (in shares)			36,275
Exercise of stock options	277		$ 277
Stock-based compensation	1,104		$ 1,104
Other comprehensive income (loss), net of tax	(1,348)					(1,348)
Ending balance (in shares) at Jun. 30, 2022			12,948,623
Ending balance at Jun. 30, 2022	217,661		$ 123,226	95,779		(1,344)
Beginning balance (in shares) at Dec. 31, 2021			12,875,315
Beginning balance at Dec. 31, 2021	201,222		$ 121,845	79,373		4
Ending balance (in shares) at Dec. 31, 2022			13,161,147
Ending balance at Dec. 31, 2022	$ 243,494	$ 734	$ 125,830	119,998	$ 734	(2,334)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible Enumeration]	Accounting Standards Update 2016-13
Beginning balance (in shares) at Mar. 31, 2022			12,928,548
Beginning balance at Mar. 31, 2022	$ 207,920		$ 122,592	85,603		(275)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	10,176			10,176
Issuance of restricted stock awards (in shares)			10,396
Vesting of restricted stock units (in shares)			349
Exercise of stock options (in shares)			9,330
Exercise of stock options	69		$ 69
Stock-based compensation	565		$ 565
Other comprehensive income (loss), net of tax	(1,069)					(1,069)
Ending balance (in shares) at Jun. 30, 2022			12,948,623
Ending balance at Jun. 30, 2022	217,661		$ 123,226	95,779		(1,344)
Beginning balance (in shares) at Dec. 31, 2022			13,161,147
Beginning balance at Dec. 31, 2022	243,494	$ 734	$ 125,830	119,998	$ 734	(2,334)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	25,297			25,297
Issuance of restricted stock awards (in shares)			13,538
Vesting of restricted stock units (in shares)			46,020
Exercise of stock options (in shares)			80,104
Exercise of stock options	589		$ 589
Stock-based compensation	1,896		$ 1,896
Other comprehensive income (loss), net of tax	652					652
Ending balance (in shares) at Jun. 30, 2023			13,300,809
Ending balance at Jun. 30, 2023	272,662		$ 128,315	146,029		(1,682)
Beginning balance (in shares) at Mar. 31, 2023			13,281,533
Beginning balance at Mar. 31, 2023	258,763		$ 127,447	133,123		(1,807)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	12,906			12,906
Issuance of restricted stock awards (in shares)			13,538
Vesting of restricted stock units (in shares)			3,618
Exercise of stock options (in shares)			2,120
Exercise of stock options	22		$ 22
Stock-based compensation	846		$ 846
Other comprehensive income (loss), net of tax	125					125
Ending balance (in shares) at Jun. 30, 2023			13,300,809
Ending balance at Jun. 30, 2023	$ 272,662		$ 128,315	$ 146,029		$ (1,682)

CONDENSED CONSOLIDATED STATEM_4

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES
NET INCOME	$ 25,297	$ 16,406
Adjustments to reconcile net income to net cash provided by operating activities:
PROVISION FOR CREDIT LOSSES - LOANS	96,142	27,036
Depreciation and amortization	956	845
Loss on disposition of fixed assets	23	35
Decrease in operating lease right-of-use assets	461	540
Decrease in operating lease liabilities	(480)	(534)
Gain on sales of loans	(146)	0
Net discount accretion on investment securities	(13)	(37)
Unrealized holding loss on equity investment	(194)	0
Stock-based compensation	1,897	1,104
Increase in bank-owned life insurance value	(188)	(178)
Deferred tax benefit	(7,714)	(4,533)
Net change in CCBX receivable	(8,697)	(2,848)
Net change in CCBX credit enhancement asset	(39,086)	(22,003)
Net change in CCBX payable	7,295	10,217
Net change in other assets and liabilities	5,562	(5,238)
Total adjustments	55,818	4,406
Net cash provided by operating activities	81,115	20,812
CASH FLOWS FROM INVESTING ACTIVITIES
Purchase of investment securities available for sale	0	(134,912)
Purchase of investment securities held for investment	(11,576)	0
Change in other investments, net	(1,288)	(1,901)
Principal paydowns of investment securities available-for-sale	4	12
Principal paydowns of investment securities held-to-maturity	48	34
Maturities and calls of investment securities available-for-sale	0	60,000
Purchase of bank owned life insurance	(18)	(53)
Proceeds from sales of loans held for sale	154,061	20,059
Purchase of loans	(47,886)	(165,456)
Increase in loans receivable, net	(585,510)	(512,532)
Purchases of premises and equipment, net	(1,669)	(2,331)
Net cash used by investing activities	(493,834)	(737,080)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, NOW and money market, and savings	349,674	340,502
Net decrease in time deposits	(4,623)	(6,984)
Net repayment from long term FHLB borrowing	0	(24,999)
Proceeds from exercise of stock options	589	277
Net cash provided by financing activities	345,640	308,796
NET CHANGE IN CASH, DUE FROM BANKS AND RESTRICTED CASH	(67,079)	(407,472)
CASH, DUE FROM BANKS AND RESTRICTED CASH, beginning of year	342,139	813,161
CASH, DUE FROM BANKS AND RESTRICTED CASH, end of quarter	275,060	405,689
SUPPLEMENTAL SCHEDULE OF OPERATING AND INVESTING ACTIVITIES
Interest paid	36,874	2,834
Income taxes paid	5,195	5,247
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Fair value adjustment of securities available-for-sale, gross	841	(1,705)
Operating lease right-of-use assets	1,659	0
Operating lease liabilities	(1,659)	0
Transfer from loans to loans held for sale	189,838	80,058
Adjustment to retained earnings - adoption of ASU 2016-13, net of deferred tax	(272,662)	(217,661)
Retained Earnings
CASH FLOWS FROM OPERATING ACTIVITIES
NET INCOME	25,297	16,406
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Adjustment to retained earnings - adoption of ASU 2016-13, net of deferred tax	$ (146,029)	$ (95,779)

Description of Business and Sum

Description of Business and Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 2023
Accounting Policies [Abstract]
Description of Business and Summary of Significant Accounting Policies	Description of Business and Summary of Significant Accounting Policies Nature of operations - Coastal Financial Corporation (“Corporation” or “Company”) is a registered bank holding company whose wholly owned subsidiaries are Coastal Community Bank (“Bank”) and Arlington Olympic LLC (“LLC”). The Company is a Washington state corporation that was organized in 2003. The Bank was incorporated and commenced operations in 1997 and is a Washington state-chartered commercial bank that is a member bank of the Federal Reserve system. Arlington Olympic LLC was formed in 2019 and owns the Company’s Arlington branch site, which the Bank leases from the LLC. We are headquartered in Everett, Washington, which by population is the largest city in, and the county seat of, Snohomish County. The Company’s business is conducted through three reportable segments: CCBX, the community bank and treasury & administration. The CCBX segment provides Banking as a Service (“BaaS”) that allows our broker dealers and digital financial service partners to offer their customers banking services. Through CCBX’s partners the Company is able to offer banking services and products across the nation.The community bank segment includes all community banking activities with a primary focus on providing a wide range of banking products and services to consumers and small to medium-sized businesses, professionals, and individuals in the broader Puget Sound region in the state of Washington through its 14 branches in Snohomish, Island and King Counties, and through the Internet and its mobile banking application. The treasury & administration segment includes treasury management, overall administration and all other aspects of the Company. The Bank’s deposits are insured in whole or in part by the Federal Deposit Insurance Corporation. The community bank’s loans and deposits are primarily within the greater Puget Sound area, while CCBX loans and deposits are dependent upon the partner’s market. The Bank’s primary funding source is deposits from customers. The Bank is subject to regulation and supervision by the Board of Governors of the Federal Reserve System (the “Federal Reserve”) and the Washington State Department of Financial Institutions Division of Banks. The Federal Reserve also has regulatory and supervisory authority over the Company. Financial statement presentation - The accompanying unaudited interim condensed consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim reporting requirements and with instructions to Form 10-Q and Article 10 of Regulation S-X, and therefore do not include all the information and notes included in the annual consolidated financial statements in conformity with GAAP. These interim condensed consolidated financial statements and accompanying notes should be read in conjunction with the Company’s audited consolidated financial statements and accompanying notes included in the Company’s Annual report on Form 10-K as filed with the U.S. Securities and Exchange Commission (“SEC”) on March 16, 2023. Operating results for the three and six months ended June 30, 2023 are not necessarily indicative of the results that may be expected for the entire year. Amounts presented in the consolidated financial statements and footnote tables are rounded and presented in thousands of dollars except per-share amounts, which are presented in dollars. In the narrative footnote discussion, amounts are rounded to thousands and presented in dollars. In management’s opinion, all accounting adjustments necessary to accurately reflect the financial position and results of operations on the accompanying consolidated financial statements have been made. These adjustments include normal and recurring accruals considered necessary for a fair and accurate presentation. Principles of consolidation - The consolidated financial statements include the accounts of the Company, the Bank and the LLC. All significant intercompany accounts have been eliminated in consolidation. Estimates - The preparation of financial statements in conformity with GAAP 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 financial statements and the reported amounts of revenues and expenses during the reporting period. Management believes that its critical accounting policies include determining the allowance for credit losses, the valuation of the Company’s deferred tax assets, and fair value of financial instruments. Actual results could differ significantly from those estimates. Implementation of ASU 2016-13 - On January 1, 2023, the Company adopted ASU 2016-13, Financial Instruments — Credit Losses (Topic 326) : Measurement of Credit Losses on Financial Instruments, which replaces the incurred loss with an expected loss methodology that is referred to as the current expected credit loss (CECL) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized costs, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in certain leases. In addition, ASC 326 made changes to the accounting for available-for-sale debt securities. One such change is to require increases or decreases in credit losses be presented as an allowance rather than as a write-down on available-for-sale debt securities management does not intend to sell or believe it is more likely than not the Company will be required to sell the security before recovery of the amortized cost basis. The Company adopted ASC 326 using the modified retrospective method. Results for the reporting periods beginning after January 1, 2023 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. The day one CECL adjustment for community bank loans included a reduction of $310,000 to the community bank allowance in the first quarter of 2023 and a reduction of $340,000 related to the community bank unfunded commitment reserve in the first quarter of 2023. This was offset by an increase to the CCBX allowance for $4.2 million in the same period. With the mirror image approach accounting related to the credit enhancement for CCBX partner loans, there was a CECL day one increase to the indemnification asset in the amount of $4.5 million. Net, the day one impact to retained earnings for the Bank’s transition to CECL was an increase of $954,000 in the first quarter of 2023, excluding the impact of income taxes. Management has separately evaluated its held-to-maturity investment securities and determined that no loss reserves were required. Implementation of ASU 2022-02 - On January 1, 2023, the Company adopted ASU 2022-02, Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings ("TDR") and Vintage Disclosures. The ASU eliminated the accounting guidance for TDR loans by creditors while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty. Additionally, the ASU requires public business entities to disclose current-period gross write-offs by year of origination for financing receivables and net investments in leases. This ASU was effective upon adoption of ASU 2016-13 and was applied on a prospective basis. During the three and six months ended June 30, 2023, the Company did not have any loans that were modified to borrowers experiencing financial difficulty. Accounting policy update – Allowance for Credit Losses - effective January 1, 2023 with the adoption of ASU 2016-13 Loans and unfunded commitments The allowance for credit losses ("ACL") is an estimate of the expected credit losses on financial assets measured at amortized cost. The ACL is evaluated and calculated on a collective basis for those loans which share similar risk characteristics. At each reporting period, the Company evaluates whether the loans in a pool continue to exhibit similar risk characteristics as the other loans in the pool and whether it needs to evaluate the allowance on an individual basis. The Company must estimate expected credit losses over the loans’ contractual terms, adjusted for expected prepayments. In estimating the life of the loan, the Company cannot extend the contractual term of the loan for expected extensions, renewals, and modifications, unless the extension or renewal options are included in the contract at the reporting date and are not unconditionally cancellable by the Company. Because expected credit losses are estimated over the contractual life adjusted for estimated prepayments, determination of the life of the loan may significantly affect the ACL. The Company has chosen to segment its portfolio consistent with the manner in which it manages the risk of the type of credit. • Community Bank Portfolio: The ACL calculation is derived from loan segments utilizing loan level information and relevant available information from internal and external sources related to past events and current conditions. In addition, the Company incorporates a reasonable and supportable forecast. • CCBX Portfolio: The Bank calculates the ACL on loans on an aggregate basis based on each partner and product level, segmenting the risk inherent in the CCBX portfolio based on qualitative and quantitative trends in the portfolio. Also included in the ACL are qualitative reserves to cover losses that are expected, but in the Company’s assessment may not be adequately represented in the quantitative method. For example, factors that the Company considers include environmental business conditions, borrower’s financial condition, credit rating and the volume and severity of past due loans and non-accrual loans. Based on this analysis, the Company records a provision for credit losses to maintain the allowance at appropriate levels. Determining the amount of the allowance is considered a critical accounting estimate, as it requires significant judgment and the use of subjective measurements, including management’s assessment of overall portfolio quality. The Company maintains the allowance at an amount the Company believes is sufficient to provide for estimated losses expected to occur in the Company’s loan portfolio at each balance sheet date, and fluctuations in the provision for credit losses may result from management’s assessment of the adequacy of the allowance. Changes in these estimates and assumptions are possible and may have a material impact on the Company’s allowance, and therefore the Company’s financial position, liquidity or results of operations. The Company has elected to exclude accrued interest receivable from the amortized cost basis in its ACL calculation as accrued interest is written off in a timely manner when deemed uncollectable. For more information and discussion related to the allowance for credit losses on loans, see “ Note 4 - Loans and Allowance for Credit Losses” in the Consolidated Financial Statements. In addition to the ACL on loans held for investment, CECL requires a balance sheet liability for expected losses on unfunded commitments, which is recognized if both the following conditions are met: (1) the Company has a present contractual obligation to extend credit; and (2) the obligation is not unconditionally cancellable by the Company. Loan commitments may have a funded and unfunded portion, of which the liability for unfunded commitments is derived based upon the commitments to extend credit to a borrower (e.g., an estimate of expected credit losses is not established for unfunded portions of loan commitment that are unconditionally cancellable by the Company). The expected credit losses for funded portions are reported in the previously discussed ACL. The Company segments its unfunded commitment portfolio consistent with the ACL calculation, separating between unfunded lines and commitments to originate. The Company incorporates the probability of funding (i.e. estimate of utilization) for each segment and then utilizes the ACL loss rates for each segment on an aggregate basis to calculate the allowance for unfunded commitments Available-for-sale debt securities For available-for-sale debt securities with fair value below amortized cost, the security is considered impaired. When the Company does not intend to sell the debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, then the Company assesses the impairment for potential expected credit losses. Impairment related to a credit loss is measured using the discounted cash flow method. Credit loss recognition is limited to the fair value of the security. The impairment is recognized by establishing an ACL through provision for credit losses. Impairment related to noncredit factors is recognized in accumulated other comprehensive income, net of applicable taxes. The Company evaluates AFS security impairment on a quarterly basis. Held-to-maturity debt securities For held-to-maturity debt securities, expected losses are evaluated and calculated on a collective basis for those securities which share risk characteristics. The Company aggregates similar securities and reports the security portfolio segments based on shared risk characteristics. The only segment included in the held-to-maturity portfolio are U.S. Agency Residential Mortgage Backed Securities which have an expected zero credit loss. The following table illustrates the impact of ASU 2016-13: January 1, 2023 As reported Pre-ASC 326 Impact of Assets: Allowance for credit losses $ 77,881 $ 74,029 $ 3,852 CCBX credit enhancement asset 57,842 53,377 4,465 Deferred tax asset 18,238 18,458 (220) Liabilities: Unfunded commitment reserve 634 974 (340) Shareholders' Equity: Retained earnings 120,732 119,998 734 Subsequent Events - The Company has evaluated events and transactions subsequent to June 30, 2023 for potential recognition or disclosure. Reclassifications - Certain amounts reported in prior quarters' consolidated financial statements may have been reclassified to conform to the current presentation with no effect on stockholders’ equity or net income.

Recent accounting standards

Recent accounting standards	6 Months Ended
	Jun. 30, 2023
Accounting Standards Update and Change in Accounting Principle [Abstract]
Recent accounting standards	Recent accounting standards Recent Accounting Guidance In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting

Investment Securities

Investment Securities	6 Months Ended
	Jun. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Investment Securities	Investment Securities The following table summarizes the amortized cost, fair value, and allowance for credit losses and the corresponding amounts of gross unrealized gains and losses of available-for-sale securities recognized in accumulated other comprehensive income (loss) and gross unrecognized gains and losses of held-to-maturity securities: Amortized Gross Gross Fair Allowance for Credit Losses (dollars in thousands; unaudited) June 30, 2023 Available-for-sale U.S. Treasury securities $ 99,981 $ — $ (2,110) $ 97,871 $ — U.S. Agency collateralized 50 — (3) 47 — Municipal bonds 250 — (1) 249 — Total available-for-sale 100,281 — (2,114) 98,167 — Held-to-maturity U.S. Agency residential 12,563 — (404) 12,159 — Total investment securities $ 112,844 $ — $ (2,518) $ 110,326 $ — Amortized Gross Gross Fair (dollars in thousands; unaudited) December 31, 2022 Available-for-sale U.S. Treasury securities $ 99,967 $ — $ (2,952) $ 97,015 U.S. Agency collateralized mortgage obligations 54 — (3) 51 U.S. Agency residential mortgage-backed securities 1 — — 1 Municipal bonds 250 — — 250 Total available-for-sale securities 100,272 — (2,955) 97,317 Held-to-maturity U.S. Agency residential mortgage-backed securities 1,036 — (120) 916 Total investment securities $ 101,308 $ — $ (3,075) $ 98,233 Accrued interest on available-for-sale securities was $711,000 and $723,000 at June 30, 2023 and December 31, 2022, respectively, accrued interest on held-to-maturity securities was $50,000 and $3,000 at June 30, 2023 and December 31, 2022, respectively. Accrued interest on securities is excluded from the balances in the preceding table of securities receivable, and is included in accrued interest receivable on the Company's consolidated balance sheets. The amortized cost and fair value of debt securities at June 30, 2023, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because issuers or the underlying borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Mortgage-backed securities and collateralized mortgage obligations are shown separately, since they are not due at a single maturity date. Available-for-Sale Held-to-Maturity Amortized Fair Amortized Fair (dollars in thousands; unaudited) June 30, 2023 Amounts maturing in One year or less $ 100,231 $ 98,120 $ — $ — 100,231 98,120 — — U.S. Agency residential mortgage-backed securities and collateralized mortgage obligations 50 47 12,563 12,159 $ 100,281 $ 98,167 $ 12,563 $ 12,159 Investments in debt securities with an amortized cost of $22.0 million at June 30, 2023 and $37.8 million as of December 31, 2022, were pledged to secure public deposits and for other purposes as required or permitted by law. During the six months ended June 30, 2023, one security matured for $590,000. During the six months ended June 30, 2023, three securities were purchased for $11.6 million. There were no sales of securities during the six months ended June 30, 2023 or 2022. There were ten securities with a $2.5 million unrealized loss as of June 30, 2023. There were six securities in an unrealized loss position as of December 31, 2022. The following table shows the investments’ gross unrealized losses and fair values, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position for which an allowance for credit losses has not been recorded: Less Than 12 Months 12 Months or Greater Total Fair Gross Fair Gross Fair Gross (dollars in thousands; unaudited) June 30, 2023 Available-for-sale U.S. Treasury securities $ — $ — $ 97,871 $ 2,110 $ 97,871 $ 2,110 U.S. Agency collateralized mortgage obligations — — 47 3 47 3 Municipals 249 1 — — 249 1 Total available-for-sale securities 249 1 97,918 2,113 98,167 2,114 Held-to-maturity U.S. Agency residential mortgage-backed securities 11,261 287 898 117 12,159 404 Total investment securities $ 11,510 $ 288 $ 98,816 $ 2,230 $ 110,326 $ 2,518

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	6 Months Ended
	Jun. 30, 2023
Receivables [Abstract]
Loans and Allowance for Credit Losses	Loans and Allowance for Credit Losses During the quarter ended June 30, 2023, $88.6 million in CCBX loans were transferred to loans held for sale, with $80.0 million in loans sold. A portion of these loans were sold at par and a portion were sold with a gain on sale of $23,000. As of June 30, 2023 $35.9 million in residential real estate secured lines of credit loans remain in loans held for sale. At December 31, 2022, there were no loans held for sale. The Company adopted the CECL methodology for measuring credit losses as of January 1, 2023. All disclosures as of and for the three and six months ended June 30, 2023 are presented in accordance with Topic 326. The Company did not recast comparative financial periods and has presented those disclosures under previously applicable GAAP. The composition of the loan portfolio is as follows as of the periods indicated: June 30, 2023 (dollars in thousands; unaudited) Community Bank Commercial and industrial loans $ 155,078 Real estate loans: Construction, land and land development loans 186,706 Residential real estate loans 211,966 Commercial real estate loans 1,164,088 Consumer and other loans: Other consumer and other loans 1,457 Gross Community Bank loans receivable 1,719,295 CCBX Commercial and industrial loans: Capital call lines $ 138,428 All other commercial & industrial loans 60,323 Real estate loans: Residential real estate loans 251,213 Consumer and other loans: Credit cards 379,642 Other consumer and other loans 465,360 Gross CCBX loans receivable 1,294,966 Total gross loans receivable 3,014,261 Net deferred origination fees and premiums (6,708) Loans receivable $ 3,007,553 December 31, 2022 Consolidated (dollars in thousands; unaudited) Commercial and industrial loans $ 312,628 Real estate loans: Construction, land, and land development 214,055 Residential real estate 449,157 Commercial real estate 1,048,752 Consumer and other loans 608,771 Gross loans receivable 2,633,363 Net deferred origination fees and premiums (6,107) Loans receivable $ 2,627,256 Accrued interest on loans, which is excluded from the balances in the preceding table of loans receivable, was $20.8 million and $17.0 million at June 30, 2023 and December 31, 2022, respectively, and was included in accrued interest receivable on the Company's consolidated balance sheets. Included in commercial and industrial loans as of June 30, 2023 and December 31, 2022, is $138.4 million and $146.0 million, respectively in capital call lines, provided to venture capital firms through one of our BaaS clients. These loans are secured by the capital call rights and are individually underwritten to the Bank’s credit standards by our BaaS client and the underwriting is reviewed and approved by the Bank on every line. Also included in commercial and industrial loans are Paycheck Protection Program (“PPP”) loans of $3.6 million at June 30, 2023 and $4.7 million at December 31, 2022. PPP loans are 100% guaranteed by the Small Business Administration (“SBA”). Consumer and other loans includes overdrafts of $2.3 million and $2.7 million at June 30, 2023 and December 31, 2022, respectively. Community bank overdrafts were $13,000 and $94,000 at June 30, 2023 and December 31, 2022, respectively and CCBX overdrafts were $2.2 million and $2.6 million at June 30, 2023 and December 31, 2022. The Company has pledged loans totaling $901.9 million and $220.1 million at June 30, 2023 and December 31, 2022, respectively, for borrowing lines at the FHLB and FRB. Additional loans were pledged during the first six months of 2023 to significantly increase the borrowing capacity of the Bank in the event of a liquidity crisis. The balance of SBA and USDA loans and participations sold and serviced for others totaled $9.4 million and $14.3 million at June 30, 2023 and December 31, 2022, respectively. The gross balance of Main Street Lending Program (“MSLP”) loans including participations to others, totaled $58.0 million at June 30, 2023 and December 31, 2022, with $3.1 million in MSLP loans on the balance sheet and included in commercial and industrial loans at June 30, 2023, and December 31, 2022. Servicing is retained on the gross balance. The Company, at times, purchases individual loans that meet its underwriting standards through the community bank at fair value as of the acquisition date. The Company held purchased loans with remaining balances that totaled The Company has purchased participation loans with remaining balances totaling $58.8 million and $63.9 million as of June 30, 2023 and December 31, 2022, respectively. These loans are included in the applicable loan category depending upon the collateral and purpose of the individual loan and underwritten to the Bank's credit standards. The Company purchased loans from a CCBX partner, at par, through agreements with that CCBX partner, and those loans had a remaining balance of $144.9 million as of June 30, 2023 and $157.4 million as of December 31, 2022. As of June 30, 2023, $134.2 million is included in consumer and other loans and $10.8 million is included in commercial and industrial loans, compared to $146.1 million in consumer and other loans and $11.3 million in commercial and industrial loans as of December 31, 2022. The following is a summary of the Company’s loan portfolio segments: Commercial and industrial loans – Commercial and industrial loans are secured by business assets including inventory, receivables and machinery and equipment of businesses located generally in the Company’s primary market area and capital calls on venture and investment funds. Also included in commercial and industrial loans are $60.3 million in unsecured CCBX partner loans. Loan types include PPP loans, revolving lines of credit, term loans, and loans secured by liquid collateral such as cash deposits or marketable securities. Also included in commercial and industrial loans are loans to other financial institutions. Risk arises primarily due to the difference between expected and actual cash flows of the borrowers. In addition, the recoverability of the Company’s investment in these loans is also dependent on other factors primarily dictated by the type of collateral securing these loans. The fair value of the collateral securing these loans may fluctuate as market conditions change. In the case of loans secured by accounts receivable, the recovery of the Company’s investment is dependent upon the borrower’s ability to collect amounts due from its customers. As of June 30, 2023, $138.4 million in outstanding CCBX capital call lines are included in commercial and industrial loans compared to $146.0 million at December 31, 2022. Capital call lines are provided to venture capital firms. These loans are secured by the capital call rights and are individually underwritten to the Bank’s credit standards by our CCBX partner and the underwriting is reviewed by the Bank on every line/loan. Construction, land and land development loans – The Company originates loans for the construction of 1-4 family, multifamily, and Commercial Real Estate (“CRE”) properties in the Company’s market area. Construction loans are considered to have higher risks due to construction completion and timing risk, the ultimate repayment being sensitive to interest rate changes, government regulation of real property and the availability of long-term financing. Additionally, economic conditions may impact the Company’s ability to recover its investment in construction loans, as adverse economic conditions may negatively impact the real estate market, which could affect the borrower’s ability to complete and sell the project. Additionally, the fair value of the underlying collateral may fluctuate as market conditions change. The Company occasionally originates land loans for the purpose of facilitating the ultimate construction of a home or commercial building. The primary risks include the borrower’s ability to pay and the inability of the Company to recover its investment due to a material decline in the fair value of the underlying collateral. Residential real estate loans – Residential real estate includes various types of loans for which the Company holds real property as collateral. Included in this segment are first and second lien single family loans, occasionally purchased by the Company to diversify its loan portfolio, and rental portfolios secured by one-to-four family homes. The primary risks of residential real estate loans include the borrower’s inability to pay, material decreases in the value of the collateral, and significant increases in interest rates which may make the loan unprofitable. As of June 30, 2023, $251.2 million in loans originated through CCBX partners are included in residential real estate loans, compared to $244.6 million at December 31, 2022. These home equity lines of credit are secured by residential real estate and are accessed by using a credit card. Home equity lines of credit are classified as residential real estate per regulatory guidelines. Commercial real estate (includes owner occupied and nonowner occupied) loans – Commercial real estate loans include various types of loans for which the Company holds real property as collateral. We have commercial mortgage loans collateralized by $356.0 million of owner-occupied real-estate and $478.2 million of non-owner-occupied real estate, as well as $319.0 million of multi-family residential loans and $11.0 million of farmland loans, as of June 30, 2023. The primary risks of commercial real estate loans include the borrower’s inability to pay, material decreases in the value of the collateralized real estate and significant increases in interest rates, which may make the real estate loan unprofitable. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. Consumer and other loans – The community bank originates a limited number of consumer loans, generally for banking customers only, which consist primarily of lines of credit, saving account secured loans, and auto loans. CCBX originates consumer loans including credit cards, consumer term loans and secured and unsecured lines of credit. This loan category includes overdrafts. Repayment of these loans is dependent on the borrower’s ability to pay and the fair value of the underlying collateral, if any. As of June 30, 2023, $845.0 million in CCBX loans are included in consumer and other loans compared to $607.0 million at December 31, 2022. Past Due and Nonaccrual Loans The following table illustrates an age analysis of past due loans as of the dates indicated: 30-89 90 Days Total Current Total 90 Days or (dollars in thousands; unaudited) June 30, 2023 Community Bank Commercial and industrial $ 97 $ — $ 97 $ 154,981 $ 155,078 $ — Real estate loans: Construction, land and land development — 66 66 186,640 186,706 — Residential real estate — 186 186 211,780 211,966 — Commercial real estate — 7,142 7,142 1,156,946 1,164,088 — Consumer and other loans 32 — 32 1,425 1,457 — Total community bank $ 129 $ 7,394 $ 7,523 $ 1,711,772 $ 1,719,295 $ — CCBX Commercial and industrial loans: Capital call lines $ — $ — $ — $ 138,428 $ 138,428 $ — All other commercial & industrial loans 1,575 808 2,383 57,940 60,323 808 Real estate loans: Residential real 2,378 1,722 4,100 $ 247,113 $ 251,213 1,722 Consumer and other loans: Credit cards 17,572 18,306 35,878 $ 343,764 $ 379,642 18,306 Other consumer and 21,656 5,492 27,148 438,212 465,360 5,492 Total CCBX $ 43,181 $ 26,328 $ 69,509 $ 1,225,457 $ 1,294,966 $ 26,328 Total community bank $ 43,310 $ 33,722 $ 77,032 $ 2,937,229 3,014,261 $ 26,328 Less net deferred origination fees and premiums (6,708) Loans receivable $ 3,007,553 Consolidated 30-89 90 Days Total Current Total 90 Days or (dollars in thousands; unaudited) December 31, 2022 Commercial and industrial loans $ 393 $ 486 $ 879 $ 311,749 $ 312,628 $ 404 Real estate loans: Construction, land and land development — 66 66 213,989 214,055 — Residential real estate 1,016 876 1,892 447,265 449,157 876 Commercial real estate 95 6,901 6,996 1,041,756 1,048,752 — Consumer and other loans 37,932 24,815 62,747 546,024 608,771 24,815 $ 39,436 $ 33,144 $ 72,580 $ 2,560,783 $ 2,633,363 $ 26,095 Less net deferred origination fees and premiums (6,107) Loans receivable $ 2,627,256 There were $26.3 million in loans past due 90 days or more and still accruing interest as of June 30, 2023, and $26.1 million as of December 31, 2022. This is attributed to loans originated through CCBX lending partners which continue to accrue interest up to 180 days past due. As of June 30, 2023 and December 31, 2022, $25.2 million and $25.5 million, respectively, of loans past due 90 days or more are covered by credit enhancements provided by our CCBX partners that protect the Bank against losses. The accrual of interest on community bank loans is discontinued when, in management’s opinion, the borrower may be unable to meet payments as they become due or when they are 90 days past due as to either principal or interest, unless they are well secured and in the process of collection. Installment/closed-end, and revolving/open-end consumer loans originated through CCBX lending partners will continue to accrue interest until 120 and 180 days past due, respectively and an allowance is recorded through provision expense for these expected losses. For installment/closed-end and revolving/open-end consumer loans originated through CCBX lending partners with balances outstanding beyond 120 days and 180 days past due, respectively, principal and capitalized interest outstanding is charged off against the allowance and accrued interest outstanding is reversed against interest income. These consumer loans are reported as nonperforming/substandard, 90 days or more days past due and still accruing. When loans are placed on nonaccrual status, all accrued interest is reversed from current period earnings. Payments received on nonaccrual loans are generally applied as a reduction to the loan principal balance. If the likelihood of further loss is removed, the Company will recognize interest on a cash basis only. Loans may be returned to accruing status if the Company believes that all remaining principal and interest is fully collectible and there has been at least six months of sustained repayment performance since the loan was placed on nonaccrual. An analysis of nonaccrual loans by category consisted of the following at the periods indicated: June 30, December 31, 2023 2022 Total Nonaccrual Nonaccrual with No ACL Total Nonaccrual (dollars in thousands; unaudited) Community Bank Commercial and industrial loans $ 5 $ 5 $ 113 Real estate loans: Construction, land and land development 66 66 66 Residential real estate 186 186 — Commercial real estate 7,142 7,142 6,901 Total nonaccrual loans $ 7,399 $ 7,399 $ 7,080 In some circumstances, the Company modifies loans in response to borrower financial difficulty, and generally provides for a temporary modification of loan repayment terms. In order for a modified loan to be considered for accrual status, the loan’s collateral coverage generally will be greater than or equal to 100% of the loan balance, the loan is current on payments, and the borrower must either prefund an interest reserve or demonstrate the ability to make payments from a verified source of cash flow for an extended period of time, usually at least six months in duration. No loans were modified for borrowers experiencing financial difficulty in the three and six months ended June 30, 2023 and 2022. Credit Quality and Credit Risk Federal regulations require that the Company periodically evaluate the risks inherent in its loan portfolio. In addition, the Company’s regulatory agencies have authority to identify problem loans and, if appropriate, require them to be reclassified. The Company establishes loan grades for loans at the origination of the loan. Changes to community bank loan grades are considered at the time new information about the performance of a loan becomes available, including the receipt of updated financial information from the borrower and after loan reviews. For consumer loans, the Bank follows the Federal Financial Institutions Examination Council’s Uniform Retail Credit Classification and Account Management Policy for subsequent classification in the event of payment delinquencies or default. Typically, an individual loan grade will not be changed from the prior period unless there is a specific indication of credit deterioration or improvement. Credit deterioration is evidenced by delinquency, direct communications with the borrower or other borrower information that becomes known to management. Credit improvements are evidenced by known facts regarding the borrower or the collateral property. The Company classifies some loans as Watch or Other Loans Especially Mentioned (“OLEM”). Loans classified as Watch are performing assets but have elements of risk that require more monitoring than other performing loans and are reported in the OLEM column in the following table. Loans classified as OLEM are assets that continue to perform but have shown deterioration in credit quality and require close monitoring. There are three classifications for problem loans: Substandard, Doubtful, and Loss. Substandard loans have one or more defined weaknesses and are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Revolving (open-ended loans, such as credit cards) and installment (closed end) consumer loans originated through CCBX partners continue to accrue interest until they are charged-off at 120 days past due for installment loans (primarily unsecured loans to consumers) and 180 days past due for revolving loans (primarily credit cards) and are classified as substandard. Doubtful loans have the weaknesses of loans classified as Substandard, with additional characteristics that suggest the weaknesses make collection or recovery in full after liquidation of collateral questionable on the basis of currently existing facts, conditions, and values. There is a high possibility of loss in loans classified as Doubtful. A loan classified as Loss is considered uncollectible and of such little value that continued classification of the credit as a loan is not warranted. If a loan or a portion thereof is classified as Loss, it must be charged-off, meaning the amount of the loss is charged against the allowance for credit losses, thereby reducing that reserve. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal of loan constitutes a current period origination. As of March 31, 2023 and December 31, 2022, based on the most recent analysis performed, the risk category of community bank loans by year of origination is as follows: Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of June 30, 2023 Commercial and industrial loans Risk rating Pass $ 11,366 $ 59,094 $ 16,891 $ 11,560 $ 14,313 $ 1,956 $ 35,414 $ 1,282 $ 151,876 Other Loan Especially Mentioned — — — 122 — — 3,075 — 3,197 Substandard — — — — — 5 — — 5 Doubtful — — — — — — — — — Total commercial and industrial $ 11,366 $ 59,094 $ 16,891 $ 11,682 $ 14,313 $ 1,961 $ 38,489 $ 1,282 $ 155,078 Current period gross write-offs $ — $ — $ — $ — $ — $ 46 $ — $ — $ 46 Real estate loans - Risk rating Pass $ 33,017 $ 64,143 $ 77,446 $ 3,329 $ 929 $ 1,640 $ 63 $ — $ 180,567 Other Loan Especially Mentioned — — — — — — — — — Substandard — — 3,148 2,325 — 66 600 — 6,139 Doubtful — — — — — — — — — Total real estate loans - $ 33,017 $ 64,143 $ 80,594 $ 5,654 $ 929 $ 1,706 $ 663 $ — $ 186,706 Current period gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) Real estate loans - Risk rating Pass $ 13,210 $ 44,823 $ 39,501 $ 30,636 $ 32,348 $ 25,474 $ 23,673 $ — $ 209,665 Other Loan Especially Mentioned — — 2,033 38 — 44 — — 2,115 Substandard — — — — — — 186 — 186 Doubtful — — — — — — — — — Total real estate loans - $ 13,210 $ 44,823 $ 41,534 $ 30,674 $ 32,348 $ 25,518 $ 23,859 $ — $ 211,966 Current period gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Real estate loans - Risk rating Pass $ 115,932 $ 286,253 $ 216,672 $ 147,000 $ 128,302 $ 238,734 $ 7,669 $ 1,749 $ 1,142,311 Other Loan Especially Mentioned — 3,288 2,212 178 511 7,528 87 — 13,804 Substandard — — — 923 6,901 — 149 — 7,973 Doubtful — — — — — — — — — Total real estate loans - $ 115,932 $ 289,541 $ 218,884 $ 148,101 $ 135,714 $ 246,262 $ 7,905 $ 1,749 $ 1,164,088 Current period gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) Consumer and other loans - Risk rating Pass $ 20 $ 299 $ 9 $ 697 $ 54 $ 229 $ 149 $ — $ 1,457 Other Loan Especially Mentioned — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total consumer and other $ 20 $ 299 $ 9 $ 697 $ 54 $ 229 $ 149 $ — $ 1,457 Current period gross write-offs $ 13 $ — $ — $ — $ — $ — $ — $ — $ 13 Total community bank loans receivable Risk rating Pass $ 173,545 $ 454,612 $ 350,519 $ 193,222 $ 175,946 $ 268,033 $ 66,968 $ 3,031 $ 1,685,876 Other Loan Especially Mentioned — 3,288 4,245 338 511 7,572 3,162 — 19,116 Substandard — — 3,148 3,248 6,901 71 935 — 14,303 Doubtful — — — — — — — — — Total community bank loans $ 173,545 $ 457,900 $ 357,912 $ 196,808 $ 183,358 $ 275,676 $ 71,065 $ 3,031 $ 1,719,295 Current period gross write-offs $ 13 $ — $ — $ — $ — $ 46 $ — $ — $ 59 The Company considers the performance of the CCBX loan portfolio and its impact on the allowance for credit losses. For CCBX loans, the Company also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the loans in CCBX based on payment activity: Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of June 30, 2023 Commercial and industrial loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 138,428 $ — $ 138,428 Nonperforming — — — — — — — — — Total commercial and industrial $ — $ — $ — $ — $ — $ — $ 138,428 $ — $ 138,428 Current period gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial and industrial loans - Payment performance Performing $ 43,964 $ 13,406 $ 68 $ 32 $ — $ — $ 2,045 $ — $ 59,515 Nonperforming 405 312 — — — — 91 — 808 Total commercial and industrial $ 44,369 $ 13,718 $ 68 $ 32 $ — $ — $ 2,136 $ — $ 60,323 Current period gross write-offs $ 124 $ 1,005 $ 12 $ — $ — $ — $ — $ — $ 1,141 Real estate loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 158,277 $ 91,214 $ 249,491 Nonperforming — — — — — — 1,722 — 1,722 Total real estate loans - $ — $ — $ — $ — $ — $ — $ 159,999 $ 91,214 $ 251,213 Current period gross write-offs $ — $ — $ — $ — $ — $ — $ 1,682 $ — $ 1,682 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) Consumer and other loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 361,251 $ 85 $ 361,336 Nonperforming — — — — — — 18,306 — 18,306 Total consumer and other $ — $ — $ — $ — $ — $ — $ 379,557 $ 85 $ 379,642 Current period gross write-offs $ — $ — $ — $ — $ — $ — $ 23,391 $ — $ 23,391 Consumer and other loans - Payment performance Performing $ 256,287 $ 161,341 $ 24,233 $ 202 $ 755 $ 512 $ 16,538 $ — $ 459,868 Nonperforming 657 2,560 706 15 19 17 1,518 — 5,492 Total consumer and other $ 256,944 $ 163,901 $ 24,939 $ 217 $ 774 $ 529 $ 18,056 $ — $ 465,360 Current period gross write-offs $ 1,888 $ 26,708 $ 7,673 $ 49 $ 182 $ 121 $ 3,572 $ — $ 40,193 Total CCBX loans receivable Payment performance Performing $ 300,251 $ 174,747 $ 24,301 $ 234 $ 755 $ 512 $ 676,539 $ 91,299 $ 1,268,638 Nonperforming 1,062 2,872 706 15 19 17 21,637 — 26,328 Total CCBX loans $ 301,313 $ 177,619 $ 25,007 $ 249 $ 774 $ 529 $ 698,176 $ 91,299 $ 1,294,966 Current period gross write-offs $ 2,012 $ 27,713 $ 7,685 $ 49 $ 182 $ 121 $ 28,645 $ — $ 66,407 Loans by credit quality risk rating are as follows as of the periods indicated: Pass Other Loans Sub- Doubtful Total (dollars in thousands; unaudited) December 31, 2022 Commercial and industrial loans $ 304,840 $ 7,219 $ 569 $ — $ 312,628 Real estate loans: Construction, land, and land development 206,304 7,685 66 — 214,055 Residential real estate 448,185 96 876 — 449,157 Commercial real estate 1,030,650 11,201 6,901 — 1,048,752 Consumer and other loans 583,956 — 24,815 — 608,771 $ 2,573,935 $ 26,201 $ 33,227 $ — 2,633,363 Less net deferred origination fees (6,107) Loans receivable $ 2,627,256 Allowance for Credit Losses ("ACL") On January 1, 2023, the Company adopted ASU 2016-13, which replaces the incurred loss methodology with an expected loss methodology that is referred to as CECL. See Note 1, Description of Business and Summary of Significant Accounting Policies. As a result of implementing CECL, there was a one-time adjustment to the 2023 opening allowance balance of $3.9 million. CCBX loans have a higher level of expected losses than our community bank loans, which is reflected in the factors for the allowance for credit losses. Agreements with our CCBX partners provide for a credit enhancement which protects the Bank by reimbursing most losses. In accordance with accounting guidance, we estimate and record a provision for expected losses for these CCBX loans and reclassified negative deposit accounts. When the provision for CCBX credit losses and provision for unfunded commitments are recorded, a credit enhancement asset is also recorded on the balance sheet through noninterest income (BaaS credit enhancements). Expected losses are recorded in the allowance for credit losses. The credit enhancement asset is reduced when credit enhancement payments are received from the CCBX partner or taken from the partner's cash reserve account. CCBX partners provide for credit enhancements that provide protection to the Bank from credit and fraud losses by reimbursing the Bank for the losses. If the partner is unable to fulfill their contracted obligations then the Bank could be exposed to the loss of the reimbursement and credit enhancement income. In accordance with the program agreement for one CCBX partner, the Company is responsible for credit losses on approximately 10% of a $180.5 million loan portfolio that are without credit enhancement reimbursements. At June 30, 2023, 10% of this portfolio represented $18.0 million in loans. The partner is responsible for reimbursing credit losses on approximately 90% of this portfolio and for fraud losses on 100% of this portfolio. The Company earns 100% of the interest income on the aforementioned $18.0 million of loans. The following tables summarize the allocation of the ACL, as well as the activity in the ACL attributed to various segments in the loan portfolio, as of and for the three and six months ended June 30, 2023 and the allocation and activity of the loans and allowance for loan losses ("ALLL ") attributed to the various segments in the loan portfolio for the three and six months ended June 30, 2022: Commercial Construction, Residential Commercial Consumer Unallocated Total (dollars in thousands; unaudited) Three Months Ended June 30, 2023 ACL balance, March 31, 2023 $ 8,651 $ 5,744 $ 6,986 $ 7,506 $ 60,236 $ — $ 89,123 Provision for credit losses or (recapture) 1,311 795 2,808 (554) 48,238 — 52,598 9,962 6,539 9,794 6,952 108,474 — 141,721 Loans charged-off (411) — (945) — (30,943) — (32,299) Recoveries of loans previously charged-off — — — — 1,340 — 1,340 Net charge-offs (411) — (945) — (29,603) — (30,959) ACL balance, June 30, 2023 $ 9,551 $ 6,539 $ 8,849 $ 6,952 $ 78,871 $ — $ 110,762 Six Months Ended June 30, 2023 ALLL balance, December 31, 2022 $ 4,831 $ 7,425 $ 4,142 $ 5,470 $ 50,996 $ 1,165 $ 74,029 Impact of adopting CECL (ASC 326) 1,428 (1,589) 1,623 1,240 2,315 (1,165) $ 3,852 Provision for credit losses or (recapture) 4,476 703 4,766 242 85,955 96,142 10,735 6,539 10,531 6,952 139,266 — 174,023 Loans charged-off (1,187) — (1,682) — (63,597) — (66,466) Recoveries of loans previously charged-off 3 — — — 3,202 — 3,205 Net charge-offs (1,184) — (1,682) — (60,395) — (63,261) ACL balance, June 30, 2023 $ 9,551 $ 6,539 $ 8,849 $ 6,952 $ 78,871 $ — $ 110,762 Three Months Ended June 30, 2022 ALLL balance, March 31, 2022 $ 3,514 $ 7,592 $ 5,758 $ 5,317 $ 15,114 $ 1,475 $ 38,770 Provision for loan losses or (recapture) 550 407 1,413 (577) 12,204 97 14,094 4,064 7,999 7,171 4,740 27,318 1,572 52,864 Loans charged-off (33) — — — (3,509) — (3,542) Recoveries of loans previously charged-off 35 — — — 1 — 36 Net (charge-offs) recoveries 2 — — — (3,508) — (3,506) Balance, June 30, 2022 $ 4,066 $ 7,999 $ 7,171 $ 4,740 $ 23,810 $ 1,572 $ 49,358 Six Months Ended June 30, 2022 ALLL Balance, December 31, 2021 $ 3,221 $ 6,984 $ 4,598 $ 6,590 $ 7,092 $ 147 $ 28,632 Provision for credit losses or (recapture) 846 1,015 2,573 (1,850) 23,027 1,425 27,036 4,067 7,999 7,171 4,740 30,119 1,572 55,668 Loans charged-off (38) — — — (6,312) — (6,350) Recoveries of loans previously charged-off 37 — — — 3 — 40 Net charge-offs (1) — — — (6,309) — (6,310) ALLL Balance, June 30, 2022 $ 4,066 $ 7,999 $ 7,171 $ 4,740 $ 23,810 $ 1,572 $ 49,358 The following table summarizes the allocation of the allowance for loan losses attributed to various segments in the loan portfolio as of December 31, 2022. Commercial Construction, Residential Commercial Consumer Unallocated Total (dollars in thousands; unaudited) As of December 31, 2022 ALLL amounts allocated to Individually evaluated for impairment $ 95 $ — $ — $ — $ — $ — $ 95 Collectively evaluated for impairment 4,736 7,425 4,142 5,470 50,996 1,165 73,934 ALLL balance, December 31, 2022 $ 4,831 $ 7,425 $ 4,142 $ 5,470 $ 50,996 $ 1,165 $ 74,029 Loans individually evaluated for $ 113 $ 66 $ — $ 6,901 $ — $ 7,080 Loans collectively evaluated for 312,515 213,989 449,157 1,041,851 608,771 2,626,283 Loans receivable balance, December 31, $ 312,628 $ 214,055 $ 449,157 $ 1,048,752 $ 608,771 $ 2,633,363 The following table presents the collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related ACL allocated to these loans: Real Estate Business Assets Total ACL (dollars in thousands; unaudited) June 30, 2023 Commercial and industrial loans $ — $ 5 $ 5 $ — Real estate loans: Construction, land and land development 66 — 66 — Residential real estate 186 — 186 — Commercial real estate 7,142 — 7,142 — Total $ 7,394 $ 5 $ 7,399 $ — The following table is a summary of information pertaining to impaired loans as of the period indicated. Loans originated through CCBX partners are reported using pool accounting and are not subject to impairment analysis, therefore CCBX loans are not included in this table. Unpaid Recorded Recorded Total Related (dollars in thousands; unaudited) December 31, 2022 Commercial and industrial loans $ 124 $ — $ 113 $ 113 $ 95 Real estate loans: Construction, land and land development 67 66 — 66 — Commercial real estate 6,901 6,901 — 6,901 — Total $ 7,092 $ 6,967 $ 113 $ 7,080 $ 95 The following tables summarize the Company’s average recorded investment and interest income recognized on impaired loans by loan class for the period indicated: Three Months Ended Six Months Ended June 30, 2022 June 30, 2022 Average Interest Income Average Interest Income (dollars in thousands; unaudited) Commercial and industrial loans $ 120 $ — $ 136 $ — Real estate loans: Construction, land and land development 13 — 9 — Residential real estate 54 — 54 — Total $ 187 $ — $ 199 $ —

Deposits

Deposits	6 Months Ended
	Jun. 30, 2023
Deposits [Abstract]
Deposits	Deposits The composition of consolidated deposits consisted of the following at the periods indicated: June 30, December 31, (dollars in thousands; unaudited) Demand, noninterest bearing $ 725,592 $ 775,012 NOW and money market 2,323,164 1,804,399 Savings 88,991 107,117 Total core deposits 3,137,747 2,686,528 Brokered deposits 1 101,546 Time deposits less than $250,000 17,437 21,942 Time deposits $250,000 and over 7,387 7,505 Total deposits $ 3,162,572 $ 2,817,521 The following table presents the maturity distribution of time deposits as of June 30, 2023: (dollars in thousands; unaudited) As of June 30, 2023 Twelve months $ 20,182 One to two years 2,248 Two to three years 1,499 Three to four years 255 Four to five years 640 Thereafter — $ 24,824

Leases

Leases	6 Months Ended
	Jun. 30, 2023
Leases [Abstract]
Leases	Leases The Company has committed to rent premises used in business operations under non-cancelable operating leases and determines if an arrangement meets the definition of a lease upon inception. Operating lease right-of-use (“ROU”) assets represent a right to use an underlying asset for the contractual lease term. Operating lease liabilities represent an obligation to make lease payments arising from the lease. An operating lease ROU asset and operating lease liability will be recognized for any new operating leases at the commencement of the new lease. The Company’s leases do not provide an implicit interest rate, therefore the Company used its incremental collateralized borrowing rates commensurate with the underlying lease terms to determine the present value of operating lease liabilities. The weighted average discount rate as of June 30, 2023 was 3.88%. The Company’s operating lease agreements contain both lease and non-lease components, which are generally accounted for separately. The Company’s lease agreements do not contain any residual value guarantees. Operating leases with terms of 12 months or less are not included in ROU assets and operating lease liabilities recorded in the Company’s consolidated balance sheet. Operating lease terms include options to extend when it is reasonably certain that the Company will exercise such options, determined on a lease-by-lease basis. At June 30, 2023, lease expiration dates ranged from 8 months to 21.7 years, with additional renewal options on certain leases typically ranging from 5 to 10 years. At June 30, 2023, the weighted average remaining lease term inclusive of renewal options that the Company is reasonably certain to renew for the Company’s operating leases was 9.5 years. Rental expense for operating leases is recognized on a straight-line basis over the lease term and amounted to $284,000 and $642,000, respectively, for the three and six months ended June 30, 2023, and $347,000 and $693,000 respectively, for the three and six months ended June 30, 2022. Variable lease components, such as inflation adjustments, are expensed as incurred and not included in ROU assets and operating lease liabilities. The following table presents the minimum annual lease payments under the terms of these leases, inclusive of renewal options that the Company is reasonably certain to renew, at June 30, 2023: (dollars in thousands; unaudited) June 30, July 1 to December 31, 2023 $ 499 2024 986 2025 943 2026 947 2027 895 2028 and thereafter 3,456 Total lease payments 7,726 Less: amounts representing interest 1,313 Present value of lease liabilities $ 6,413 The following table presents the components of total lease expense and operating cash flows for the three and six months ended June 30, 2023 and 2022: Three Months Ended Six Months Ended June 30, June 30, June 30, June 30, (dollars in thousands; unaudited) Lease expense: Operating lease expense $ 247 $ 320 $ 568 $ 675 Variable lease expense 52 45 104 87 Total lease expense (1) $ 299 $ 365 $ 672 $ 762 Cash paid: Cash paid reducing operating lease liabilities $ 313 $ 362 $ 692 $ 756 (1) Included in net occupancy expense in the Condensed Consolidated Statements of Income (unaudited).

Stock-Based Compensation

Stock-Based Compensation	6 Months Ended
	Jun. 30, 2023
Share-Based Payment Arrangement [Abstract]
Stock-Based Compensation	Stock-Based Compensation - Stock Options and Restricted Stock The 2018 Coastal Financial Corporation Omnibus Plan (2018 Plan) authorizes the Company to grant awards, including but not limited to, stock options, restricted stock units, and restricted stock awards, to eligible employees, directors or individuals that provide service to the Company, up to an aggregate of 500,000 shares of common stock. On May 24, 2021, the Company’s shareholders approved the First Amendment to the 2018 Plan, which increased the authorized plan shares by 600,000. The 2018 Plan replaced the 2006 Plan for new awards. Existing awards will vest under the terms granted and no further awards will be granted under these prior plans. Shares available to be granted under the 2018 plan were 433,297 at June 30, 2023. Stock Option Awards The fair value of each option award is estimated on the date of grant using the Black-Scholes option pricing model. Expected volatilities are based on historical volatility of the Company’s stock and other factors. The Company uses the vesting term and contractual life to determine the expected life. The risk-free interest rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect at the time of grant. Compensation expense related to unvested stock option awards is reversed at date of forfeiture . There were no new stock options granted in the six months ended June 30, 2023 and 2022. A summary of stock option activity under the 2018 Plan and 2006 Plan during the six months ended June 30, 2023 : Options Shares Weighted- Weighted- Aggregate (dollars in thousands, except per share amounts; unaudited) Outstanding at December 31, 2022 438,103 $ 8.79 4.1 $ 16,968 Granted — — Exercised (80,104) 7.35 $ 2,337 Expired — — Forfeited — — Outstanding at June 30, 2023 357,999 $ 9.11 3.9 $ 10,216 Vested or expected to vest at June 30, 2023 357,999 $ 9.11 3.9 $ 10,216 Exercisable at June 30, 2023 172,470 $ 8.68 3.7 $ 4,996 The total or aggregate intrinsic value (which is the amount by which the stock price exceeds the exercise price) of options exercised during the three and six months ended June 30, 2023 was $62,000 and $2.3 million, respectively. The total or aggregate intrinsic value of options exercised during the three and six months ended June 30, 2022 was $302,000 and $1.4 million, respectively. As of June 30, 2023, there was $922,000 of total unrecognized compensation cost related to nonvested stock options granted under the 2018 Plan and 2006 Plan. Total unrecognized compensation costs are adjusted for unvested forfeitures. The Company expects to recognize that cost over a remaining weighted-average period of approximately 4.1 years. Compensation expense recorded related to stock options was $60,000 and $200,000 respectively, for the three and six months ended June 30, 2023 and $68,000 and $188,000 respectively, for the three and six months ended June 30, 2022. Restricted Stock Units In the first quarter of 2023, the Company granted 73,611 restricted stock units ("RSUs") under the 2018 Plan to employees, which vest ratably over 4 years and 1,084 restricted stock units which vest ratably over 5 years. In the second quarter of 2023, the Company granted 9,827 restricted stock units to employees which vest ratably over 5 years. RSUs provide for an interest in Company common stock to the recipient, the underlying stock is not issued until certain conditions are met. Vesting requirements include time-based, performance-based, or market-based conditions. Recipients of RSUs do not pay any cash consideration to the Company for the units and the holders of the restricted units do not have voting rights. The fair value of time-based and performance-based units is equal to the fair market value of the Company’s common stock on the grant date. The fair value of market-based units is estimated on the grant date using the Monte Carlo simulation model. Compensation expense is recognized over the vesting period that the awards are based. RSUs are nonparticipating securities. As of June 30, 2023, there was $10.7 million of total unrecognized compensation cost related to nonvested RSUs. The Company expects to recognize that cost over the remaining weighted-average vesting period of approximately 4.2 years. Compensation expense recorded related to RSUs was $688,000 and $1.5 million respectively, for the three and six months ended June 30, 2023 and $453,000 and $827,000 respectively, for the three and six months ended June 30, 2022. A summary of the Company’s nonvested RSUs at June 30, 2023 and changes during the six month period is presented below: Nonvested shares - RSUs Shares Weighted- Total or Aggregate (dollars in thousands, except per share amounts; unaudited) Nonvested shares at December 31, 2022 380,151 $ 28.61 $ 7,187 Granted 84,522 $ 42.57 Forfeited (8,535) $ 38.41 Vested (46,020) $ 30.56 Nonvested shares at June 30, 2023 410,118 $ 31.07 $ 2,700 Restricted Stock Awards Employees There were no new restricted stock awards granted in the six months ended June 30, 2023. The fair value of restricted stock awards is equal to the fair value of the Company’s stock at the date of grant. Compensation expense is recognized over the vesting period that the awards are based. Restricted stock awards are participating securities. As of June 30, 2023, there was $41,000 of total unrecognized compensation cost related to nonvested restricted stock awards. The Company expects to recognize that cost over the remaining weighted-average vesting period of approximately 4.6 years. Compensation expense recorded related to restricted stock awards was $2,000 and $4,000 respectively, for the three and six months ended June 30, 2023 and $2,000 and $4,000 respectively, for the three and six months ended June 30, 2022. Director’s Stock Compensation Under the 2018 Plan, eligible directors are granted stock with a total market value of approximately $45,000, and the Board Chair is granted stock with a total market value of approximately $75,000. Committee chairs receive additional stock in an amount that varies depending upon the nature and frequency of the committee meetings. The audit committee chair receives additional stock with a market value of approximately $10,000, non-financial risk and compensation committee chairs receive additional stock with a market value of approximately $7,500, and the asset liability & investment, credit and nominating & governance chairs receive additional stock with a market value of approximately $5,000. Stock is granted as of each annual meeting date and vest one day prior to the next annual meeting date. During the vesting period, the grants are considered participating securities. As of June 30, 2023, there was $433,000 of total unrecognized compensation expense related to director restricted stock awards which the Company expects to recognize over the remaining average vesting period of approximately 11 months. Director compensation expense recorded related to the 2018 Plan totaled $96,000 and $192,000 respectively, for the three and six months ended June 30, 2023 and $60,000 and $98,000 respectively, for the three and six months ended June 30, 2022. A summary of the Company’s nonvested shares at June 30, 2023 and changes during the six-month period is presented below: Nonvested shares - RSAs Shares Weighted- Total or Aggregate (dollars in thousands, except per share amounts; unaudited) Nonvested shares at December 31, 2022 13,396 $ 32.94 $ 195 Granted 13,538 $ 35.10 Forfeited — $ — Vested (10,896) $ 36.41 Nonvested shares at June 30, 2023 16,038 $ 32.41 $ 84

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Jun. 30, 2023
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements The following tables present estimated fair values of the Company’s financial instruments as of the period indicated, whether or not recognized or recorded in the consolidated balance sheets at the period indicated: June 30, 2023 Fair Value Measurements Using Carrying Estimated Level 1 Level 2 Level 3 (dollars in thousands; unaudited) Financial assets Cash and due from banks $ 29,783 $ 29,783 $ 29,783 $ — $ — Interest earning deposits with other banks 245,277 245,277 245,277 — — Investment securities 110,730 110,326 97,871 12,455 — Other investments 12,037 12,037 — 9,465 2,572 Loans held for sale 35,923 35,923 — 35,923 Loans receivable 3,007,553 2,953,342 — — 2,953,342 Accrued interest receivable 21,581 21,581 — 21,581 — Financial liabilities Deposits $ 3,162,572 3,161,753 $ — $ 3,161,753 $ — Subordinated debt 44,069 42,861 — 42,861 — Junior subordinated debentures 3,589 3,489 — 3,489 — Accrued interest payable 766 766 — 766 — December 31, 2022 Fair Value Measurements Using Carrying Estimated Level 1 Level 2 Level 3 (dollars in thousands; unaudited) Financial assets Cash and due from banks $ 32,722 $ 32,722 $ 32,722 $ — $ — Interest earning deposits with other banks 309,417 309,417 309,417 — — Investment securities 98,353 98,233 97,015 1,218 — Other investments 10,555 10,555 — 7,983 2,572 Loans receivable, net 2,627,256 2,580,183 — — 2,580,183 Accrued interest receivable 17,815 17,815 — 17,815 — Financial liabilities Deposits $ 2,817,521 $ 2,816,602 $ — $ 2,816,602 $ — Subordinated debt 43,999 42,743 — 42,743 — Junior subordinated debentures 3,588 3,484 — 3,484 — Accrued interest payable 684 684 — 684 — The Company measures and discloses certain assets and liabilities at fair value. Fair value is defined as the price 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 (that is, not a forced liquidation or distressed sale). GAAP establishes a consistent framework for measuring fair value and disclosure requirements about fair value measurements. Among other things, the accounting standard requires the reporting entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company’s estimates for market assumptions. These two types of inputs create the following fair value hierarchy: • Level 1 – Quoted prices in active markets for identical instruments. An active market is a market in which transactions occur with sufficient frequency and volume to provide pricing information on an ongoing basis. A quoted price in an active market provides the most reliable evidence of fair value and shall be used to measure fair value whenever available. • Level 2 – Observable inputs other than Level 1 including quoted prices in active markets for similar instruments, quoted prices in less active markets for identical or similar instruments, or other observable inputs that can be corroborated by observable market data. • Level 3 – Unobservable inputs supported by little or no market activity for financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation; also includes observable inputs from nonbinding single dealer quotes not corroborated by observable market data. The estimated fair value amounts of financial instruments have been determined by the Company using available market information and appropriate valuation methodologies. However, considerable judgment is required to interpret data to develop the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize at a future date. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts. In addition, reasonable comparability between financial institutions may not be likely due to the wide range of permitted valuation techniques and numerous estimates that must be made given the absence of active secondary markets for certain financial instruments. This lack of uniform valuation methodologies also introduces a greater degree of subjectivity to these estimated fair values. Items measured at fair value on a recurring basis – The following fair value hierarchy table presents information about the Company’s assets that are measured at fair value on a recurring basis at the dates indicated: Level 1 Level 2 Level 3 Total (dollars in thousands; unaudited) June 30, 2023 Available-for-sale U.S. Treasury securities $ 97,871 $ — $ — $ 97,871 U.S. Agency collateralized mortgage obligations — 47 — 47 Municipals — 249 — 249 $ 97,871 $ 296 $ — $ 98,167 December 31, 2022 Available-for-sale U.S. Treasury securities $ 97,015 $ — $ — $ 97,015 U.S. Agency collateralized mortgage obligations — 51 — 51 U.S. Agency residential mortgage-backed securities — 1 — 1 Municipals — 250 — 250 $ 97,015 $ 302 $ — $ 97,317 The following methods were used to estimate the fair value of the class of financial instruments above: Investment securities - The fair value of securities is based on quoted market prices, pricing models, quoted prices of similar securities, independent pricing sources, and discounted cash flows. Limitations: The fair value estimates presented herein are based on pertinent information available to management as of June 30, 2023 and December 31, 2022. The factors used in the fair values estimates are subject to change subsequent to the dates the fair value estimates are completed, therefore, current estimates of fair value may differ significantly from the amounts presented herein. Items measured at fair value on a nonrecurring basis – The following table presents financial assets and liabilities measured at fair value on a nonrecurring basis and the level within the fair value hierarchy of the fair value measurements for those assets at the dates indicated: Level 1 Level 2 Level 3 Total (dollars in thousands; unaudited) June 30, 2023 Equity securities $ — $ — $ 2,572 $ 2,572 Total $ — $ — $ 2,572 $ 2,572 December 31, 2022 Impaired loans $ — $ — $ 7,080 $ 7,080 Equity securities — — 2,572 2,572 Total $ — $ — $ 9,652 $ 9,652 The amounts disclosed above represent the fair values at the time the nonrecurring fair value measurements were made, and not necessarily the fair value as of the dates reported on. Individually evaluated loans - Fair values for individually evaluated loans are estimated using the fair value of the collateral less selling costs if the loan results in a Level 3 classification. Individually evaluated loan amounts are initially valued at the lower of cost or fair value. Individually evaluated loans carried at fair value generally receive specific allocations of the allowance for credit losses. For collateral dependent real estate loans, fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Individually evaluated loans are evaluated on a quarterly basis for additional credit losses and adjusted accordingly. The estimated fair values of financial instruments disclosed above follow the guidance in ASU 2016-01 which prescribes an “exit price” approach in estimating and disclosing fair value of financial instruments incorporating discounts for credit, liquidity, and marketability factors. Valuation is measured based on the fair value of the underlying collateral or the discounted cash expected future cash flows. Subsequent changes in the value of loans are included within the provision for credit losses - loans in the same manner in which it initially was recognized or as a reduction in the provision that would otherwise be reported. Loans are evaluated quarterly to determine if valuation adjustments should be recorded. The need for valuation adjustments arises when observable market prices or current appraised values of collateral indicate a shortfall in collateral value compared to current carrying values of the related loan. If the Company determines that the value of the individually evaluated loan is less than the carrying value of the loan, the Company either establishes an reserve as a specific component of the allowance for credit losses or charges off that amount. These valuation adjustments are considered nonrecurring fair value adjustments. Equity securities – The Company measures equity securities without readily determinable fair values at cost less impairment (if any), plus or minus observable price changes from an identical or similar investment of the same issuer, with price changes recognized in earnings. Assets measured at fair value using significant unobservable inputs (Level 3) The following table presents the carrying value of equity securities without readily determinable fair values, as of June 30, 2023, with adjustments recorded during the periods presented for those securities with observable price changes, if applicable. These equity securities are included in other investments on the balance sheet. For the Three Months Ended For the Six Months Ended (dollars in thousands; unaudited) 2023 2022 2023 2022 Carrying value, beginning of period $ 2,572 $ 2,672 $ 2,572 $ 2,322 Purchases — — — 350 Observable price change — — — — Carrying value, end of period $ 2,572 $ 2,672 $ 2,572 $ 2,672 The following table provides a description of the valuation technique, unobservable inputs, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a nonrecurring basis at the date indicated: (unaudited) Valuation Technique Unobservable Inputs December 31, 2022 Weighted Average Rate Impaired loans Collateral valuations Discount to appraised value 8.0%

Earnings Per Common Share

Earnings Per Common Share	6 Months Ended
	Jun. 30, 2023
Earnings Per Share [Abstract]
Earnings Per Common Share	Earnings Per Common Share The following is a computation of basic and diluted earnings per common share at the periods indicated: Three Months Ended Six Months Ended June 30, 2023 June 30, 2022 June 30, 2023 June 30, 2022 (dollars in thousands, except earnings per share data; unaudited) Net Income $ 12,906 $ 10,176 $ 25,297 $ 16,406 Basic weighted average number common shares outstanding 13,275,640 12,928,061 13,236,517 12,913,485 Dilutive effect of equity-based awards 322,123 513,952 367,077 545,221 Diluted weighted average number common shares outstanding 13,597,763 13,442,013 13,603,594 13,458,706 Basic earnings per share $ 0.97 $ 0.79 $ 1.91 $ 1.27 Diluted earnings per share $ 0.95 $ 0.76 $ 1.86 $ 1.22 Antidilutive stock options and restricted stock outstanding 229,436 299,743 177,364 234,649 Under the two-class method, earnings available to common shareholders for the period are allocated between common shareholders and participating securities according to dividends declared (or accumulated) and participation rights in undistributed earnings, however the difference in the two-class method was not significant.

Segment Reporting

Segment Reporting	6 Months Ended
	Jun. 30, 2023
Segment Reporting [Abstract]
Segment Reporting	Segment Reporting As defined in ASC 280, Segment Reporting , an operating segment is a component of an enterprise that engages in business activities from which it may earn revenues and incur expenses, whose operating results are regularly reviewed by the enterprise’s chief operating decision makers to make decisions about resources to be allocated to the segment and assess its performance, and for which discrete financial information is available. We evaluate performance based on an internal performance measurement accounting system, which provides line of business results. This system uses various techniques to assign balance sheet and income statement amounts to the business segments, including allocations of income and expense. A primary objective of this measurement system and related internal financial reporting practices are to produce consistent results that reflect the underlying financial impact of the segments on the Company and to provide a basis of support for strategic decision making. The accounting policies applicable to our segments are those that apply to our preparation of the accompanying Consolidated Financial Statements. Based on these criteria, we have identified three segments: the community bank, CCBX, and treasury & administration. The community bank segment includes all community banking activities, with a primary focus of the community bank is on providing a wide range of banking products and services to consumers and small to medium sized businesses in the broader Puget Sound region in the state of Washington and through the Internet and our mobile banking application. We currently operate 14 full-service banking locations, 12 of which are located in Snohomish County, where we are the largest community bank by deposit market share, and two of which are located in neighboring counties (one in King County and one in Island County). The CCBX segment provides banking as a service (“BaaS”) that allows our broker-dealer and digital financial service partners to offer their customers banking services. The CCBX segment has 22 partners as of June 30, 2023. The treasury & administration segment includes investments, debt and other reporting items that are not specific to the community bank or CCBX segments. The management accounting policies and processes utilized in compiling segment financial information are highly subjective and, unlike financial accounting, are not based on authoritative guidance similar to GAAP. As a result, reported segments and the financial information of the reported segments are not necessarily comparable with similar information reported by other financial institutions. Additionally, because of the interrelationships of the various segments, the information presented is not indicative of how the segments would perform if they operated as independent entities. Changes in management structure or allocation methodologies and procedures may result in future changes to previously reported segment financial data. Furthermore, changes in management structure or allocation methodologies and procedures may result in changes in reported segment financial data. The Company continues to evaluate its methodology on allocating items to the Company’s various segments to support strategic business decisions by the Company’s executive leadership. Income and expenses that are specific to a segment are directly posted to each segment. Additionally, certain indirect expenses are allocated to each segment utilizing various metrics, such as number of employees, utilization of space, and allocations based on loan and deposit balances. We have implemented a transfer pricing process that credits or charges the community bank and CCBX segments with intrabank interest income or expense for the difference in average loans and average deposits, with the treasury & administration segment as the offset for those entries. Summarized financial information concerning the Company's reportable segments and the reconciliation to the consolidated financial results is shown in the following tables for the periods indicated: June 30, 2023 December 31, 2022 Community Bank CCBX Treasury & Administration Total Community Bank CCBX Treasury & Administration Total Assets (dollars in thousands; unaudited) Cash and Due from Banks $ 4,382 $ 7,179 $ 263,499 $ 275,060 $ 4,603 $ 12,899 $ 324,637 $ 342,139 Intrabank assets — 304,408 (304,408) — — 254,096 (254,096) — Securities — — 110,730 110,730 — — 98,353 98,353 Loans held for sale — 35,923 — 35,923 — — — — Total loans receivable 1,713,034 1,294,519 — 3,007,553 1,614,752 1,012,504 — 2,627,256 Allowance for credit losses (20,653) (90,109) — (110,762) (20,636) (53,393) — (74,029) All other assets 27,164 131,260 58,355 216,779 25,508 76,111 49,129 150,748 Total assets $ 1,723,927 $ 1,683,180 $ 128,176 $ 3,535,283 $ 1,624,227 $ 1,302,217 $ 218,023 $ 3,144,467 Liabilities Total deposits $ 1,509,458 $ 1,653,114 $ — $ 3,162,572 $ 1,538,218 $ 1,279,303 $ — $ 2,817,521 Total borrowings — — 47,658 47,658 — — 47,587 47,587 Intrabank liabilities 207,651 — (207,651) — 80,392 — (80,392) — All other liabilities 6,818 30,066 15,507 52,391 5,617 22,914 7,334 35,865 Total liabilities $ 1,723,927 $ 1,683,180 $ (144,486) $ 3,262,621 $ 1,624,227 $ 1,302,217 $ (25,471) $ 2,900,973 Three months ended June 30, 2023 Three months ended June 30, 2022 Community Bank CCBX Treasury & Administration Total Community Bank CCBX Treasury & Administration Total (dollars in thousands; unaudited) Net interest income, before $ 22,904 $ 36,620 $ 2,826 $ 62,350 $ 18,568 $ 19,926 $ 1,392 $ 39,886 Interest income (expense) (2,490) 3,487 (997) — 303 532 (835) — (Recapture)/Provision for (47) 52,645 — 52,598 108 13,986 — 14,094 (Recapture)/Provision for (340) (5) — (345) — — — — Noninterest income (1) 1,613 56,718 264 58,595 1,355 24,048 89 25,492 Noninterest expense 9,592 35,196 7,122 51,910 7,721 24,527 5,921 38,169 Net income before income taxes 12,822 8,989 (5,029) 16,782 12,397 5,993 (5,275) 13,115 Income taxes 2,949 2,089 (1,162) 3,876 2,777 1,344 (1,182) 2,939 Net Income $ 9,873 $ 6,900 $ (3,867) $ 12,906 $ 9,620 $ 4,649 $ (4,093) $ 10,176 (1) For the three months ended June 30, 2023, CCBX noninterest income includes credit enhancements of $51.0 million, fraud enhancements of $1.5 million, and BaaS program income of $3.9 million. For the three months ended June 30, 2022, CCBX noninterest income includes credit enhancements of $14.2 million, fraud enhancements of $6.5 million and BaaS program income of $3.2 million. Six Months Ended June 30, 2023 Six Months Ended June 30, 2022 Community Bank CCBX Treasury & Administration Total Community Bank CCBX Treasury & Administration Total (dollars in thousands; unaudited) Net interest income, before $ 44,582 $ 66,415 $ 5,844 $ 116,841 $ 35,773 $ 31,799 $ 1,582 $ 69,154 Interest income (expense) (3,569) 6,139 (2,570) — 431 730 (1,161) — Provision for credit 381 95,761 — 96,142 452 26,584 — 27,036 (Recapture)/Provision for (203) 11 — (192) — — — — Noninterest income (1) 2,704 104,798 400 107,902 2,912 44,389 177 47,478 Noninterest expense 18,685 63,634 14,254 96,573 15,367 42,934 10,283 68,584 Net income before income $ 24,854 $ 17,946 $ (10,580) $ 32,220 $ 23,297 $ 7,400 $ (9,685) $ 21,012 Income taxes 5,340 3,856 (2,273) 6,923 5,103 1,626 (2,123) 4,606 Net Income 19,514 14,090 (8,307) 25,297 18,194 5,774 (7,562) 16,406 (1) For the six months ended June 30, 2023, CCBX noninterest income includes credit enhancements of $93.4 million, fraud enhancements of $3.5 million and BaaS program income of $7.5 million. For the six months ended June 30, 2022, CCBX noninterest income includes credit enhancements of $27.3 million, fraud enhancements of $11.0 million and BaaS program income of $5.7 million.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Pay vs Performance Disclosure
NET INCOME	$ 12,906	$ 10,176	$ 25,297	$ 16,406

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Jun. 30, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Description of Business and S_2

Description of Business and Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2023
Accounting Policies [Abstract]
Nature of operations	Nature of operations - Coastal Financial Corporation (“Corporation” or “Company”) is a registered bank holding company whose wholly owned subsidiaries are Coastal Community Bank (“Bank”) and Arlington Olympic LLC (“LLC”). The Company is a Washington state corporation that was organized in 2003. The Bank was incorporated and commenced operations in 1997 and is a Washington state-chartered commercial bank that is a member bank of the Federal Reserve system. Arlington Olympic LLC was formed in 2019 and owns the Company’s Arlington branch site, which the Bank leases from the LLC. We are headquartered in Everett, Washington, which by population is the largest city in, and the county seat of, Snohomish County. The Company’s business is conducted through three reportable segments: CCBX, the community bank and treasury & administration. The CCBX segment provides Banking as a Service (“BaaS”) that allows our broker dealers and digital financial service partners to offer their customers banking services. Through CCBX’s partners the Company is able to offer banking services and products across the nation.The community bank segment includes all community banking activities with a primary focus on providing a wide range of banking products and services to consumers and small to medium-sized businesses, professionals, and individuals in the broader Puget Sound region in the state of Washington through its 14 branches in Snohomish, Island and King Counties, and through the Internet and its mobile banking application. The treasury & administration segment includes treasury management, overall administration and all other aspects of the Company. The Bank’s deposits are insured in whole or in part by the Federal Deposit Insurance Corporation. The community bank’s loans and deposits are primarily within the greater Puget Sound area, while CCBX loans and deposits are dependent upon the partner’s market. The Bank’s primary funding source is deposits from customers. The Bank is subject to regulation and supervision by the Board of Governors of the Federal Reserve System (the “Federal Reserve”) and the Washington State Department of Financial Institutions Division of Banks. The Federal Reserve also has regulatory and supervisory authority over the Company.
Financial statement presentation	Financial statement presentation - The accompanying unaudited interim condensed consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim reporting requirements and with instructions to Form 10-Q and Article 10 of Regulation S-X, and therefore do not include all the information and notes included in the annual consolidated financial statements in conformity with GAAP. These interim condensed consolidated financial statements and accompanying notes should be read in conjunction with the Company’s audited consolidated financial statements and accompanying notes included in the Company’s Annual report on Form 10-K as filed with the U.S. Securities and Exchange Commission (“SEC”) on March 16, 2023. Operating results for the three and six months ended June 30, 2023 are not necessarily indicative of the results that may be expected for the entire year. Amounts presented in the consolidated financial statements and footnote tables are rounded and presented in thousands of dollars except per-share amounts, which are presented in dollars. In the narrative footnote discussion, amounts are rounded to thousands and presented in dollars.
Principles of consolidation	Principles of consolidation - The consolidated financial statements include the accounts of the Company, the Bank and the LLC. All significant intercompany accounts have been eliminated in consolidation.
Estimates	Estimates - The preparation of financial statements in conformity with GAAP 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 financial statements and the reported amounts of revenues and expenses during the reporting period. Management believes that its critical accounting policies include determining the allowance for credit losses, the valuation of the Company’s deferred tax assets, and fair value of financial instruments. Actual results could differ significantly from those estimates.
Implementation of ASUs	Implementation of ASU 2016-13 - On January 1, 2023, the Company adopted ASU 2016-13, Financial Instruments — Credit Losses (Topic 326) : Measurement of Credit Losses on Financial Instruments, which replaces the incurred loss with an expected loss methodology that is referred to as the current expected credit loss (CECL) methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized costs, including loan receivables and held-to-maturity debt securities. It also applies to off-balance sheet credit exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees, and other similar instruments) and net investments in certain leases. In addition, ASC 326 made changes to the accounting for available-for-sale debt securities. One such change is to require increases or decreases in credit losses be presented as an allowance rather than as a write-down on available-for-sale debt securities management does not intend to sell or believe it is more likely than not the Company will be required to sell the security before recovery of the amortized cost basis. The Company adopted ASC 326 using the modified retrospective method. Results for the reporting periods beginning after January 1, 2023 are presented under ASC 326 while prior period amounts continue to be reported in accordance with previously applicable GAAP. The day one CECL adjustment for community bank loans included a reduction of $310,000 to the community bank allowance in the first quarter of 2023 and a reduction of $340,000 related to the community bank unfunded commitment reserve in the first quarter of 2023. This was offset by an increase to the CCBX allowance for $4.2 million in the same period. With the mirror image approach accounting related to the credit enhancement for CCBX partner loans, there was a CECL day one increase to the indemnification asset in the amount of $4.5 million. Net, the day one impact to retained earnings for the Bank’s transition to CECL was an increase of $954,000 in the first quarter of 2023, excluding the impact of income taxes. Management has separately evaluated its held-to-maturity investment securities and determined that no loss reserves were required. Implementation of ASU 2022-02 - On January 1, 2023, the Company adopted ASU 2022-02, Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings ("TDR") and Vintage Disclosures. The ASU eliminated the accounting guidance for TDR loans by creditors while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty. Additionally, the ASU requires public business entities to disclose current-period gross write-offs by year of origination for financing receivables and net investments in leases. This ASU was effective upon adoption of ASU 2016-13 and was applied on a prospective basis. During the three and six months ended June 30, 2023, the Company did not have any loans that were modified to borrowers experiencing financial difficulty. Accounting policy update – Allowance for Credit Losses - effective January 1, 2023 with the adoption of ASU 2016-13 Loans and unfunded commitments The allowance for credit losses ("ACL") is an estimate of the expected credit losses on financial assets measured at amortized cost. The ACL is evaluated and calculated on a collective basis for those loans which share similar risk characteristics. At each reporting period, the Company evaluates whether the loans in a pool continue to exhibit similar risk characteristics as the other loans in the pool and whether it needs to evaluate the allowance on an individual basis. The Company must estimate expected credit losses over the loans’ contractual terms, adjusted for expected prepayments. In estimating the life of the loan, the Company cannot extend the contractual term of the loan for expected extensions, renewals, and modifications, unless the extension or renewal options are included in the contract at the reporting date and are not unconditionally cancellable by the Company. Because expected credit losses are estimated over the contractual life adjusted for estimated prepayments, determination of the life of the loan may significantly affect the ACL. The Company has chosen to segment its portfolio consistent with the manner in which it manages the risk of the type of credit. • Community Bank Portfolio: The ACL calculation is derived from loan segments utilizing loan level information and relevant available information from internal and external sources related to past events and current conditions. In addition, the Company incorporates a reasonable and supportable forecast. • CCBX Portfolio: The Bank calculates the ACL on loans on an aggregate basis based on each partner and product level, segmenting the risk inherent in the CCBX portfolio based on qualitative and quantitative trends in the portfolio. Also included in the ACL are qualitative reserves to cover losses that are expected, but in the Company’s assessment may not be adequately represented in the quantitative method. For example, factors that the Company considers include environmental business conditions, borrower’s financial condition, credit rating and the volume and severity of past due loans and non-accrual loans. Based on this analysis, the Company records a provision for credit losses to maintain the allowance at appropriate levels. Determining the amount of the allowance is considered a critical accounting estimate, as it requires significant judgment and the use of subjective measurements, including management’s assessment of overall portfolio quality. The Company maintains the allowance at an amount the Company believes is sufficient to provide for estimated losses expected to occur in the Company’s loan portfolio at each balance sheet date, and fluctuations in the provision for credit losses may result from management’s assessment of the adequacy of the allowance. Changes in these estimates and assumptions are possible and may have a material impact on the Company’s allowance, and therefore the Company’s financial position, liquidity or results of operations. The Company has elected to exclude accrued interest receivable from the amortized cost basis in its ACL calculation as accrued interest is written off in a timely manner when deemed uncollectable. For more information and discussion related to the allowance for credit losses on loans, see “ Note 4 - Loans and Allowance for Credit Losses” in the Consolidated Financial Statements. In addition to the ACL on loans held for investment, CECL requires a balance sheet liability for expected losses on unfunded commitments, which is recognized if both the following conditions are met: (1) the Company has a present contractual obligation to extend credit; and (2) the obligation is not unconditionally cancellable by the Company. Loan commitments may have a funded and unfunded portion, of which the liability for unfunded commitments is derived based upon the commitments to extend credit to a borrower (e.g., an estimate of expected credit losses is not established for unfunded portions of loan commitment that are unconditionally cancellable by the Company). The expected credit losses for funded portions are reported in the previously discussed ACL. The Company segments its unfunded commitment portfolio consistent with the ACL calculation, separating between unfunded lines and commitments to originate. The Company incorporates the probability of funding (i.e. estimate of utilization) for each segment and then utilizes the ACL loss rates for each segment on an aggregate basis to calculate the allowance for unfunded commitments Available-for-sale debt securities For available-for-sale debt securities with fair value below amortized cost, the security is considered impaired. When the Company does not intend to sell the debt security, and it is more likely than not the Company will not have to sell the security before recovery of its cost basis, then the Company assesses the impairment for potential expected credit losses. Impairment related to a credit loss is measured using the discounted cash flow method. Credit loss recognition is limited to the fair value of the security. The impairment is recognized by establishing an ACL through provision for credit losses. Impairment related to noncredit factors is recognized in accumulated other comprehensive income, net of applicable taxes. The Company evaluates AFS security impairment on a quarterly basis. Held-to-maturity debt securities For held-to-maturity debt securities, expected losses are evaluated and calculated on a collective basis for those securities which share risk characteristics. The Company aggregates similar securities and reports the security portfolio segments based on shared risk characteristics. The only segment included in the held-to-maturity portfolio are U.S. Agency Residential Mortgage Backed Securities which have an expected zero credit loss. The following table illustrates the impact of ASU 2016-13: January 1, 2023 As reported Pre-ASC 326 Impact of Assets: Allowance for credit losses $ 77,881 $ 74,029 $ 3,852 CCBX credit enhancement asset 57,842 53,377 4,465 Deferred tax asset 18,238 18,458 (220) Liabilities: Unfunded commitment reserve 634 974 (340) Shareholders' Equity: Retained earnings 120,732 119,998 734
Subsequent Events	Subsequent Events - The Company has evaluated events and transactions subsequent to June 30, 2023 for potential recognition or disclosure.
Reclassifications	Reclassifications - Certain amounts reported in prior quarters' consolidated financial statements may have been reclassified to conform to the current presentation with no effect on stockholders’ equity or net income.
Recent Accounting Guidance Not Yet Effective	Recent Accounting Guidance In March 2020, the FASB issued ASU 2020-04, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting

Description of Business and S_3

Description of Business and Summary of Significant Accounting Policies (Tables)	6 Months Ended
	Jun. 30, 2023
Accounting Policies [Abstract]
Summary of Accounting Standards Update	The following table illustrates the impact of ASU 2016-13: January 1, 2023 As reported Pre-ASC 326 Impact of Assets: Allowance for credit losses $ 77,881 $ 74,029 $ 3,852 CCBX credit enhancement asset 57,842 53,377 4,465 Deferred tax asset 18,238 18,458 (220) Liabilities: Unfunded commitment reserve 634 974 (340) Shareholders' Equity: Retained earnings 120,732 119,998 734

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Jun. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Amortized Cost and Fair Values of Investments in Debt Securities	The following table summarizes the amortized cost, fair value, and allowance for credit losses and the corresponding amounts of gross unrealized gains and losses of available-for-sale securities recognized in accumulated other comprehensive income (loss) and gross unrecognized gains and losses of held-to-maturity securities: Amortized Gross Gross Fair Allowance for Credit Losses (dollars in thousands; unaudited) June 30, 2023 Available-for-sale U.S. Treasury securities $ 99,981 $ — $ (2,110) $ 97,871 $ — U.S. Agency collateralized 50 — (3) 47 — Municipal bonds 250 — (1) 249 — Total available-for-sale 100,281 — (2,114) 98,167 — Held-to-maturity U.S. Agency residential 12,563 — (404) 12,159 — Total investment securities $ 112,844 $ — $ (2,518) $ 110,326 $ — Amortized Gross Gross Fair (dollars in thousands; unaudited) December 31, 2022 Available-for-sale U.S. Treasury securities $ 99,967 $ — $ (2,952) $ 97,015 U.S. Agency collateralized mortgage obligations 54 — (3) 51 U.S. Agency residential mortgage-backed securities 1 — — 1 Municipal bonds 250 — — 250 Total available-for-sale securities 100,272 — (2,955) 97,317 Held-to-maturity U.S. Agency residential mortgage-backed securities 1,036 — (120) 916 Total investment securities $ 101,308 $ — $ (3,075) $ 98,233
Amortized Cost and Fair Value of Debt Securities by Contractual Maturity	Available-for-Sale Held-to-Maturity Amortized Fair Amortized Fair (dollars in thousands; unaudited) June 30, 2023 Amounts maturing in One year or less $ 100,231 $ 98,120 $ — $ — 100,231 98,120 — — U.S. Agency residential mortgage-backed securities and collateralized mortgage obligations 50 47 12,563 12,159 $ 100,281 $ 98,167 $ 12,563 $ 12,159
Summary of Investment Securities Continuous Unrealized Loss Position	The following table shows the investments’ gross unrealized losses and fair values, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position for which an allowance for credit losses has not been recorded: Less Than 12 Months 12 Months or Greater Total Fair Gross Fair Gross Fair Gross (dollars in thousands; unaudited) June 30, 2023 Available-for-sale U.S. Treasury securities $ — $ — $ 97,871 $ 2,110 $ 97,871 $ 2,110 U.S. Agency collateralized mortgage obligations — — 47 3 47 3 Municipals 249 1 — — 249 1 Total available-for-sale securities 249 1 97,918 2,113 98,167 2,114 Held-to-maturity U.S. Agency residential mortgage-backed securities 11,261 287 898 117 12,159 404 Total investment securities $ 11,510 $ 288 $ 98,816 $ 2,230 $ 110,326 $ 2,518

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	6 Months Ended
	Jun. 30, 2023
Receivables [Abstract]
Composition of Loan Portfolio	The composition of the loan portfolio is as follows as of the periods indicated: June 30, 2023 (dollars in thousands; unaudited) Community Bank Commercial and industrial loans $ 155,078 Real estate loans: Construction, land and land development loans 186,706 Residential real estate loans 211,966 Commercial real estate loans 1,164,088 Consumer and other loans: Other consumer and other loans 1,457 Gross Community Bank loans receivable 1,719,295 CCBX Commercial and industrial loans: Capital call lines $ 138,428 All other commercial & industrial loans 60,323 Real estate loans: Residential real estate loans 251,213 Consumer and other loans: Credit cards 379,642 Other consumer and other loans 465,360 Gross CCBX loans receivable 1,294,966 Total gross loans receivable 3,014,261 Net deferred origination fees and premiums (6,708) Loans receivable $ 3,007,553 December 31, 2022 Consolidated (dollars in thousands; unaudited) Commercial and industrial loans $ 312,628 Real estate loans: Construction, land, and land development 214,055 Residential real estate 449,157 Commercial real estate 1,048,752 Consumer and other loans 608,771 Gross loans receivable 2,633,363 Net deferred origination fees and premiums (6,107) Loans receivable $ 2,627,256
Summary of an Age Analysis of Past Due Loans	The following table illustrates an age analysis of past due loans as of the dates indicated: 30-89 90 Days Total Current Total 90 Days or (dollars in thousands; unaudited) June 30, 2023 Community Bank Commercial and industrial $ 97 $ — $ 97 $ 154,981 $ 155,078 $ — Real estate loans: Construction, land and land development — 66 66 186,640 186,706 — Residential real estate — 186 186 211,780 211,966 — Commercial real estate — 7,142 7,142 1,156,946 1,164,088 — Consumer and other loans 32 — 32 1,425 1,457 — Total community bank $ 129 $ 7,394 $ 7,523 $ 1,711,772 $ 1,719,295 $ — CCBX Commercial and industrial loans: Capital call lines $ — $ — $ — $ 138,428 $ 138,428 $ — All other commercial & industrial loans 1,575 808 2,383 57,940 60,323 808 Real estate loans: Residential real 2,378 1,722 4,100 $ 247,113 $ 251,213 1,722 Consumer and other loans: Credit cards 17,572 18,306 35,878 $ 343,764 $ 379,642 18,306 Other consumer and 21,656 5,492 27,148 438,212 465,360 5,492 Total CCBX $ 43,181 $ 26,328 $ 69,509 $ 1,225,457 $ 1,294,966 $ 26,328 Total community bank $ 43,310 $ 33,722 $ 77,032 $ 2,937,229 3,014,261 $ 26,328 Less net deferred origination fees and premiums (6,708) Loans receivable $ 3,007,553 Consolidated 30-89 90 Days Total Current Total 90 Days or (dollars in thousands; unaudited) December 31, 2022 Commercial and industrial loans $ 393 $ 486 $ 879 $ 311,749 $ 312,628 $ 404 Real estate loans: Construction, land and land development — 66 66 213,989 214,055 — Residential real estate 1,016 876 1,892 447,265 449,157 876 Commercial real estate 95 6,901 6,996 1,041,756 1,048,752 — Consumer and other loans 37,932 24,815 62,747 546,024 608,771 24,815 $ 39,436 $ 33,144 $ 72,580 $ 2,560,783 $ 2,633,363 $ 26,095 Less net deferred origination fees and premiums (6,107) Loans receivable $ 2,627,256
Analysis of Nonaccrual Loans by Category	An analysis of nonaccrual loans by category consisted of the following at the periods indicated: June 30, December 31, 2023 2022 Total Nonaccrual Nonaccrual with No ACL Total Nonaccrual (dollars in thousands; unaudited) Community Bank Commercial and industrial loans $ 5 $ 5 $ 113 Real estate loans: Construction, land and land development 66 66 66 Residential real estate 186 186 — Commercial real estate 7,142 7,142 6,901 Total nonaccrual loans $ 7,399 $ 7,399 $ 7,080
Summary of Loans by Credit Quality Risk Rating	As of March 31, 2023 and December 31, 2022, based on the most recent analysis performed, the risk category of community bank loans by year of origination is as follows: Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of June 30, 2023 Commercial and industrial loans Risk rating Pass $ 11,366 $ 59,094 $ 16,891 $ 11,560 $ 14,313 $ 1,956 $ 35,414 $ 1,282 $ 151,876 Other Loan Especially Mentioned — — — 122 — — 3,075 — 3,197 Substandard — — — — — 5 — — 5 Doubtful — — — — — — — — — Total commercial and industrial $ 11,366 $ 59,094 $ 16,891 $ 11,682 $ 14,313 $ 1,961 $ 38,489 $ 1,282 $ 155,078 Current period gross write-offs $ — $ — $ — $ — $ — $ 46 $ — $ — $ 46 Real estate loans - Risk rating Pass $ 33,017 $ 64,143 $ 77,446 $ 3,329 $ 929 $ 1,640 $ 63 $ — $ 180,567 Other Loan Especially Mentioned — — — — — — — — — Substandard — — 3,148 2,325 — 66 600 — 6,139 Doubtful — — — — — — — — — Total real estate loans - $ 33,017 $ 64,143 $ 80,594 $ 5,654 $ 929 $ 1,706 $ 663 $ — $ 186,706 Current period gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) Real estate loans - Risk rating Pass $ 13,210 $ 44,823 $ 39,501 $ 30,636 $ 32,348 $ 25,474 $ 23,673 $ — $ 209,665 Other Loan Especially Mentioned — — 2,033 38 — 44 — — 2,115 Substandard — — — — — — 186 — 186 Doubtful — — — — — — — — — Total real estate loans - $ 13,210 $ 44,823 $ 41,534 $ 30,674 $ 32,348 $ 25,518 $ 23,859 $ — $ 211,966 Current period gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Real estate loans - Risk rating Pass $ 115,932 $ 286,253 $ 216,672 $ 147,000 $ 128,302 $ 238,734 $ 7,669 $ 1,749 $ 1,142,311 Other Loan Especially Mentioned — 3,288 2,212 178 511 7,528 87 — 13,804 Substandard — — — 923 6,901 — 149 — 7,973 Doubtful — — — — — — — — — Total real estate loans - $ 115,932 $ 289,541 $ 218,884 $ 148,101 $ 135,714 $ 246,262 $ 7,905 $ 1,749 $ 1,164,088 Current period gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) Consumer and other loans - Risk rating Pass $ 20 $ 299 $ 9 $ 697 $ 54 $ 229 $ 149 $ — $ 1,457 Other Loan Especially Mentioned — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total consumer and other $ 20 $ 299 $ 9 $ 697 $ 54 $ 229 $ 149 $ — $ 1,457 Current period gross write-offs $ 13 $ — $ — $ — $ — $ — $ — $ — $ 13 Total community bank loans receivable Risk rating Pass $ 173,545 $ 454,612 $ 350,519 $ 193,222 $ 175,946 $ 268,033 $ 66,968 $ 3,031 $ 1,685,876 Other Loan Especially Mentioned — 3,288 4,245 338 511 7,572 3,162 — 19,116 Substandard — — 3,148 3,248 6,901 71 935 — 14,303 Doubtful — — — — — — — — — Total community bank loans $ 173,545 $ 457,900 $ 357,912 $ 196,808 $ 183,358 $ 275,676 $ 71,065 $ 3,031 $ 1,719,295 Current period gross write-offs $ 13 $ — $ — $ — $ — $ 46 $ — $ — $ 59 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of June 30, 2023 Commercial and industrial loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 138,428 $ — $ 138,428 Nonperforming — — — — — — — — — Total commercial and industrial $ — $ — $ — $ — $ — $ — $ 138,428 $ — $ 138,428 Current period gross write-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial and industrial loans - Payment performance Performing $ 43,964 $ 13,406 $ 68 $ 32 $ — $ — $ 2,045 $ — $ 59,515 Nonperforming 405 312 — — — — 91 — 808 Total commercial and industrial $ 44,369 $ 13,718 $ 68 $ 32 $ — $ — $ 2,136 $ — $ 60,323 Current period gross write-offs $ 124 $ 1,005 $ 12 $ — $ — $ — $ — $ — $ 1,141 Real estate loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 158,277 $ 91,214 $ 249,491 Nonperforming — — — — — — 1,722 — 1,722 Total real estate loans - $ — $ — $ — $ — $ — $ — $ 159,999 $ 91,214 $ 251,213 Current period gross write-offs $ — $ — $ — $ — $ — $ — $ 1,682 $ — $ 1,682 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) Consumer and other loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 361,251 $ 85 $ 361,336 Nonperforming — — — — — — 18,306 — 18,306 Total consumer and other $ — $ — $ — $ — $ — $ — $ 379,557 $ 85 $ 379,642 Current period gross write-offs $ — $ — $ — $ — $ — $ — $ 23,391 $ — $ 23,391 Consumer and other loans - Payment performance Performing $ 256,287 $ 161,341 $ 24,233 $ 202 $ 755 $ 512 $ 16,538 $ — $ 459,868 Nonperforming 657 2,560 706 15 19 17 1,518 — 5,492 Total consumer and other $ 256,944 $ 163,901 $ 24,939 $ 217 $ 774 $ 529 $ 18,056 $ — $ 465,360 Current period gross write-offs $ 1,888 $ 26,708 $ 7,673 $ 49 $ 182 $ 121 $ 3,572 $ — $ 40,193 Total CCBX loans receivable Payment performance Performing $ 300,251 $ 174,747 $ 24,301 $ 234 $ 755 $ 512 $ 676,539 $ 91,299 $ 1,268,638 Nonperforming 1,062 2,872 706 15 19 17 21,637 — 26,328 Total CCBX loans $ 301,313 $ 177,619 $ 25,007 $ 249 $ 774 $ 529 $ 698,176 $ 91,299 $ 1,294,966 Current period gross write-offs $ 2,012 $ 27,713 $ 7,685 $ 49 $ 182 $ 121 $ 28,645 $ — $ 66,407 Loans by credit quality risk rating are as follows as of the periods indicated: Pass Other Loans Sub- Doubtful Total (dollars in thousands; unaudited) December 31, 2022 Commercial and industrial loans $ 304,840 $ 7,219 $ 569 $ — $ 312,628 Real estate loans: Construction, land, and land development 206,304 7,685 66 — 214,055 Residential real estate 448,185 96 876 — 449,157 Commercial real estate 1,030,650 11,201 6,901 — 1,048,752 Consumer and other loans 583,956 — 24,815 — 608,771 $ 2,573,935 $ 26,201 $ 33,227 $ — 2,633,363 Less net deferred origination fees (6,107) Loans receivable $ 2,627,256
Summary of Allocation of Allowance for Loan Loss as well as Activity in Allowance for Loan Loss Attributed to Various Segments in Loan	The following tables summarize the allocation of the ACL, as well as the activity in the ACL attributed to various segments in the loan portfolio, as of and for the three and six months ended June 30, 2023 and the allocation and activity of the loans and allowance for loan losses ("ALLL ") attributed to the various segments in the loan portfolio for the three and six months ended June 30, 2022: Commercial Construction, Residential Commercial Consumer Unallocated Total (dollars in thousands; unaudited) Three Months Ended June 30, 2023 ACL balance, March 31, 2023 $ 8,651 $ 5,744 $ 6,986 $ 7,506 $ 60,236 $ — $ 89,123 Provision for credit losses or (recapture) 1,311 795 2,808 (554) 48,238 — 52,598 9,962 6,539 9,794 6,952 108,474 — 141,721 Loans charged-off (411) — (945) — (30,943) — (32,299) Recoveries of loans previously charged-off — — — — 1,340 — 1,340 Net charge-offs (411) — (945) — (29,603) — (30,959) ACL balance, June 30, 2023 $ 9,551 $ 6,539 $ 8,849 $ 6,952 $ 78,871 $ — $ 110,762 Six Months Ended June 30, 2023 ALLL balance, December 31, 2022 $ 4,831 $ 7,425 $ 4,142 $ 5,470 $ 50,996 $ 1,165 $ 74,029 Impact of adopting CECL (ASC 326) 1,428 (1,589) 1,623 1,240 2,315 (1,165) $ 3,852 Provision for credit losses or (recapture) 4,476 703 4,766 242 85,955 96,142 10,735 6,539 10,531 6,952 139,266 — 174,023 Loans charged-off (1,187) — (1,682) — (63,597) — (66,466) Recoveries of loans previously charged-off 3 — — — 3,202 — 3,205 Net charge-offs (1,184) — (1,682) — (60,395) — (63,261) ACL balance, June 30, 2023 $ 9,551 $ 6,539 $ 8,849 $ 6,952 $ 78,871 $ — $ 110,762 Three Months Ended June 30, 2022 ALLL balance, March 31, 2022 $ 3,514 $ 7,592 $ 5,758 $ 5,317 $ 15,114 $ 1,475 $ 38,770 Provision for loan losses or (recapture) 550 407 1,413 (577) 12,204 97 14,094 4,064 7,999 7,171 4,740 27,318 1,572 52,864 Loans charged-off (33) — — — (3,509) — (3,542) Recoveries of loans previously charged-off 35 — — — 1 — 36 Net (charge-offs) recoveries 2 — — — (3,508) — (3,506) Balance, June 30, 2022 $ 4,066 $ 7,999 $ 7,171 $ 4,740 $ 23,810 $ 1,572 $ 49,358 Six Months Ended June 30, 2022 ALLL Balance, December 31, 2021 $ 3,221 $ 6,984 $ 4,598 $ 6,590 $ 7,092 $ 147 $ 28,632 Provision for credit losses or (recapture) 846 1,015 2,573 (1,850) 23,027 1,425 27,036 4,067 7,999 7,171 4,740 30,119 1,572 55,668 Loans charged-off (38) — — — (6,312) — (6,350) Recoveries of loans previously charged-off 37 — — — 3 — 40 Net charge-offs (1) — — — (6,309) — (6,310) ALLL Balance, June 30, 2022 $ 4,066 $ 7,999 $ 7,171 $ 4,740 $ 23,810 $ 1,572 $ 49,358 The following table summarizes the allocation of the allowance for loan losses attributed to various segments in the loan portfolio as of December 31, 2022. Commercial Construction, Residential Commercial Consumer Unallocated Total (dollars in thousands; unaudited) As of December 31, 2022 ALLL amounts allocated to Individually evaluated for impairment $ 95 $ — $ — $ — $ — $ — $ 95 Collectively evaluated for impairment 4,736 7,425 4,142 5,470 50,996 1,165 73,934 ALLL balance, December 31, 2022 $ 4,831 $ 7,425 $ 4,142 $ 5,470 $ 50,996 $ 1,165 $ 74,029 Loans individually evaluated for $ 113 $ 66 $ — $ 6,901 $ — $ 7,080 Loans collectively evaluated for 312,515 213,989 449,157 1,041,851 608,771 2,626,283 Loans receivable balance, December 31, $ 312,628 $ 214,055 $ 449,157 $ 1,048,752 $ 608,771 $ 2,633,363 The following table presents the collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related ACL allocated to these loans: Real Estate Business Assets Total ACL (dollars in thousands; unaudited) June 30, 2023 Commercial and industrial loans $ — $ 5 $ 5 $ — Real estate loans: Construction, land and land development 66 — 66 — Residential real estate 186 — 186 — Commercial real estate 7,142 — 7,142 — Total $ 7,394 $ 5 $ 7,399 $ —
Summary of Information Pertaining to Impaired Loans	The following table is a summary of information pertaining to impaired loans as of the period indicated. Loans originated through CCBX partners are reported using pool accounting and are not subject to impairment analysis, therefore CCBX loans are not included in this table. Unpaid Recorded Recorded Total Related (dollars in thousands; unaudited) December 31, 2022 Commercial and industrial loans $ 124 $ — $ 113 $ 113 $ 95 Real estate loans: Construction, land and land development 67 66 — 66 — Commercial real estate 6,901 6,901 — 6,901 — Total $ 7,092 $ 6,967 $ 113 $ 7,080 $ 95
Summary of Average Recorded Investment and Interest Income Recognized on Impaired Loans	The following tables summarize the Company’s average recorded investment and interest income recognized on impaired loans by loan class for the period indicated: Three Months Ended Six Months Ended June 30, 2022 June 30, 2022 Average Interest Income Average Interest Income (dollars in thousands; unaudited) Commercial and industrial loans $ 120 $ — $ 136 $ — Real estate loans: Construction, land and land development 13 — 9 — Residential real estate 54 — 54 — Total $ 187 $ — $ 199 $ —

Deposits (Tables)

Deposits (Tables)	6 Months Ended
	Jun. 30, 2023
Deposits [Abstract]
Composition of Consolidated Deposits	The composition of consolidated deposits consisted of the following at the periods indicated: June 30, December 31, (dollars in thousands; unaudited) Demand, noninterest bearing $ 725,592 $ 775,012 NOW and money market 2,323,164 1,804,399 Savings 88,991 107,117 Total core deposits 3,137,747 2,686,528 Brokered deposits 1 101,546 Time deposits less than $250,000 17,437 21,942 Time deposits $250,000 and over 7,387 7,505 Total deposits $ 3,162,572 $ 2,817,521
Schedule of Maturity Distribution of Time Deposits	The following table presents the maturity distribution of time deposits as of June 30, 2023: (dollars in thousands; unaudited) As of June 30, 2023 Twelve months $ 20,182 One to two years 2,248 Two to three years 1,499 Three to four years 255 Four to five years 640 Thereafter — $ 24,824

Leases (Tables)

Leases (Tables)	6 Months Ended
	Jun. 30, 2023
Leases [Abstract]
Summary of Minimum Annual Lease Payments under Lease Terms	The following table presents the minimum annual lease payments under the terms of these leases, inclusive of renewal options that the Company is reasonably certain to renew, at June 30, 2023: (dollars in thousands; unaudited) June 30, July 1 to December 31, 2023 $ 499 2024 986 2025 943 2026 947 2027 895 2028 and thereafter 3,456 Total lease payments 7,726 Less: amounts representing interest 1,313 Present value of lease liabilities $ 6,413
Summary of Components of Total Lease Expense and Operating Cash Flows	The following table presents the components of total lease expense and operating cash flows for the three and six months ended June 30, 2023 and 2022: Three Months Ended Six Months Ended June 30, June 30, June 30, June 30, (dollars in thousands; unaudited) Lease expense: Operating lease expense $ 247 $ 320 $ 568 $ 675 Variable lease expense 52 45 104 87 Total lease expense (1) $ 299 $ 365 $ 672 $ 762 Cash paid: Cash paid reducing operating lease liabilities $ 313 $ 362 $ 692 $ 756 (1) Included in net occupancy expense in the Condensed Consolidated Statements of Income (unaudited).

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	6 Months Ended
	Jun. 30, 2023
Share-Based Payment Arrangement [Abstract]
Summary of Stock Option Activity	A summary of stock option activity under the 2018 Plan and 2006 Plan during the six months ended June 30, 2023 : Options Shares Weighted- Weighted- Aggregate (dollars in thousands, except per share amounts; unaudited) Outstanding at December 31, 2022 438,103 $ 8.79 4.1 $ 16,968 Granted — — Exercised (80,104) 7.35 $ 2,337 Expired — — Forfeited — — Outstanding at June 30, 2023 357,999 $ 9.11 3.9 $ 10,216 Vested or expected to vest at June 30, 2023 357,999 $ 9.11 3.9 $ 10,216 Exercisable at June 30, 2023 172,470 $ 8.68 3.7 $ 4,996
Summary of Nonvested RSUs	A summary of the Company’s nonvested RSUs at June 30, 2023 and changes during the six month period is presented below: Nonvested shares - RSUs Shares Weighted- Total or Aggregate (dollars in thousands, except per share amounts; unaudited) Nonvested shares at December 31, 2022 380,151 $ 28.61 $ 7,187 Granted 84,522 $ 42.57 Forfeited (8,535) $ 38.41 Vested (46,020) $ 30.56 Nonvested shares at June 30, 2023 410,118 $ 31.07 $ 2,700 A summary of the Company’s nonvested shares at June 30, 2023 and changes during the six-month period is presented below: Nonvested shares - RSAs Shares Weighted- Total or Aggregate (dollars in thousands, except per share amounts; unaudited) Nonvested shares at December 31, 2022 13,396 $ 32.94 $ 195 Granted 13,538 $ 35.10 Forfeited — $ — Vested (10,896) $ 36.41 Nonvested shares at June 30, 2023 16,038 $ 32.41 $ 84

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2023
Fair Value Disclosures [Abstract]
Summary of Estimated Fair Values of Financial Instruments	The following tables present estimated fair values of the Company’s financial instruments as of the period indicated, whether or not recognized or recorded in the consolidated balance sheets at the period indicated: June 30, 2023 Fair Value Measurements Using Carrying Estimated Level 1 Level 2 Level 3 (dollars in thousands; unaudited) Financial assets Cash and due from banks $ 29,783 $ 29,783 $ 29,783 $ — $ — Interest earning deposits with other banks 245,277 245,277 245,277 — — Investment securities 110,730 110,326 97,871 12,455 — Other investments 12,037 12,037 — 9,465 2,572 Loans held for sale 35,923 35,923 — 35,923 Loans receivable 3,007,553 2,953,342 — — 2,953,342 Accrued interest receivable 21,581 21,581 — 21,581 — Financial liabilities Deposits $ 3,162,572 3,161,753 $ — $ 3,161,753 $ — Subordinated debt 44,069 42,861 — 42,861 — Junior subordinated debentures 3,589 3,489 — 3,489 — Accrued interest payable 766 766 — 766 — December 31, 2022 Fair Value Measurements Using Carrying Estimated Level 1 Level 2 Level 3 (dollars in thousands; unaudited) Financial assets Cash and due from banks $ 32,722 $ 32,722 $ 32,722 $ — $ — Interest earning deposits with other banks 309,417 309,417 309,417 — — Investment securities 98,353 98,233 97,015 1,218 — Other investments 10,555 10,555 — 7,983 2,572 Loans receivable, net 2,627,256 2,580,183 — — 2,580,183 Accrued interest receivable 17,815 17,815 — 17,815 — Financial liabilities Deposits $ 2,817,521 $ 2,816,602 $ — $ 2,816,602 $ — Subordinated debt 43,999 42,743 — 42,743 — Junior subordinated debentures 3,588 3,484 — 3,484 — Accrued interest payable 684 684 — 684 —
Summary of Assets Measured at Fair Value on Recurring Basis	Items measured at fair value on a recurring basis – The following fair value hierarchy table presents information about the Company’s assets that are measured at fair value on a recurring basis at the dates indicated: Level 1 Level 2 Level 3 Total (dollars in thousands; unaudited) June 30, 2023 Available-for-sale U.S. Treasury securities $ 97,871 $ — $ — $ 97,871 U.S. Agency collateralized mortgage obligations — 47 — 47 Municipals — 249 — 249 $ 97,871 $ 296 $ — $ 98,167 December 31, 2022 Available-for-sale U.S. Treasury securities $ 97,015 $ — $ — $ 97,015 U.S. Agency collateralized mortgage obligations — 51 — 51 U.S. Agency residential mortgage-backed securities — 1 — 1 Municipals — 250 — 250 $ 97,015 $ 302 $ — $ 97,317
Summary of Financial Assets and Liabilities Measured at Fair Value on Nonrecurring Basis	Items measured at fair value on a nonrecurring basis – The following table presents financial assets and liabilities measured at fair value on a nonrecurring basis and the level within the fair value hierarchy of the fair value measurements for those assets at the dates indicated: Level 1 Level 2 Level 3 Total (dollars in thousands; unaudited) June 30, 2023 Equity securities $ — $ — $ 2,572 $ 2,572 Total $ — $ — $ 2,572 $ 2,572 December 31, 2022 Impaired loans $ — $ — $ 7,080 $ 7,080 Equity securities — — 2,572 2,572 Total $ — $ — $ 9,652 $ 9,652
Summary of Carrying Value of Equity Securities Without Readily Determinable Fair Values	The following table presents the carrying value of equity securities without readily determinable fair values, as of June 30, 2023, with adjustments recorded during the periods presented for those securities with observable price changes, if applicable. These equity securities are included in other investments on the balance sheet. For the Three Months Ended For the Six Months Ended (dollars in thousands; unaudited) 2023 2022 2023 2022 Carrying value, beginning of period $ 2,572 $ 2,672 $ 2,572 $ 2,322 Purchases — — — 350 Observable price change — — — — Carrying value, end of period $ 2,572 $ 2,672 $ 2,572 $ 2,672
Summary of Assets and Liabilities Classified as Level 3 and Measured at Fair Value on Nonrecurring Basis	The following table provides a description of the valuation technique, unobservable inputs, and qualitative information about the unobservable inputs for the Company’s assets and liabilities classified as Level 3 and measured at fair value on a nonrecurring basis at the date indicated: (unaudited) Valuation Technique Unobservable Inputs December 31, 2022 Weighted Average Rate Impaired loans Collateral valuations Discount to appraised value 8.0%

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	6 Months Ended
	Jun. 30, 2023
Earnings Per Share [Abstract]
Schedule of Computation of Basic and Diluted Earnings Per Common Share	The following is a computation of basic and diluted earnings per common share at the periods indicated: Three Months Ended Six Months Ended June 30, 2023 June 30, 2022 June 30, 2023 June 30, 2022 (dollars in thousands, except earnings per share data; unaudited) Net Income $ 12,906 $ 10,176 $ 25,297 $ 16,406 Basic weighted average number common shares outstanding 13,275,640 12,928,061 13,236,517 12,913,485 Dilutive effect of equity-based awards 322,123 513,952 367,077 545,221 Diluted weighted average number common shares outstanding 13,597,763 13,442,013 13,603,594 13,458,706 Basic earnings per share $ 0.97 $ 0.79 $ 1.91 $ 1.27 Diluted earnings per share $ 0.95 $ 0.76 $ 1.86 $ 1.22 Antidilutive stock options and restricted stock outstanding 229,436 299,743 177,364 234,649

Segment Reporting (Tables)

Segment Reporting (Tables)	6 Months Ended
	Jun. 30, 2023
Segment Reporting [Abstract]
Summary of Financial Information of Reportable Segments and Reconciliation to Consolidated Financial Results	Summarized financial information concerning the Company's reportable segments and the reconciliation to the consolidated financial results is shown in the following tables for the periods indicated: June 30, 2023 December 31, 2022 Community Bank CCBX Treasury & Administration Total Community Bank CCBX Treasury & Administration Total Assets (dollars in thousands; unaudited) Cash and Due from Banks $ 4,382 $ 7,179 $ 263,499 $ 275,060 $ 4,603 $ 12,899 $ 324,637 $ 342,139 Intrabank assets — 304,408 (304,408) — — 254,096 (254,096) — Securities — — 110,730 110,730 — — 98,353 98,353 Loans held for sale — 35,923 — 35,923 — — — — Total loans receivable 1,713,034 1,294,519 — 3,007,553 1,614,752 1,012,504 — 2,627,256 Allowance for credit losses (20,653) (90,109) — (110,762) (20,636) (53,393) — (74,029) All other assets 27,164 131,260 58,355 216,779 25,508 76,111 49,129 150,748 Total assets $ 1,723,927 $ 1,683,180 $ 128,176 $ 3,535,283 $ 1,624,227 $ 1,302,217 $ 218,023 $ 3,144,467 Liabilities Total deposits $ 1,509,458 $ 1,653,114 $ — $ 3,162,572 $ 1,538,218 $ 1,279,303 $ — $ 2,817,521 Total borrowings — — 47,658 47,658 — — 47,587 47,587 Intrabank liabilities 207,651 — (207,651) — 80,392 — (80,392) — All other liabilities 6,818 30,066 15,507 52,391 5,617 22,914 7,334 35,865 Total liabilities $ 1,723,927 $ 1,683,180 $ (144,486) $ 3,262,621 $ 1,624,227 $ 1,302,217 $ (25,471) $ 2,900,973 Three months ended June 30, 2023 Three months ended June 30, 2022 Community Bank CCBX Treasury & Administration Total Community Bank CCBX Treasury & Administration Total (dollars in thousands; unaudited) Net interest income, before $ 22,904 $ 36,620 $ 2,826 $ 62,350 $ 18,568 $ 19,926 $ 1,392 $ 39,886 Interest income (expense) (2,490) 3,487 (997) — 303 532 (835) — (Recapture)/Provision for (47) 52,645 — 52,598 108 13,986 — 14,094 (Recapture)/Provision for (340) (5) — (345) — — — — Noninterest income (1) 1,613 56,718 264 58,595 1,355 24,048 89 25,492 Noninterest expense 9,592 35,196 7,122 51,910 7,721 24,527 5,921 38,169 Net income before income taxes 12,822 8,989 (5,029) 16,782 12,397 5,993 (5,275) 13,115 Income taxes 2,949 2,089 (1,162) 3,876 2,777 1,344 (1,182) 2,939 Net Income $ 9,873 $ 6,900 $ (3,867) $ 12,906 $ 9,620 $ 4,649 $ (4,093) $ 10,176 (1) For the three months ended June 30, 2023, CCBX noninterest income includes credit enhancements of $51.0 million, fraud enhancements of $1.5 million, and BaaS program income of $3.9 million. For the three months ended June 30, 2022, CCBX noninterest income includes credit enhancements of $14.2 million, fraud enhancements of $6.5 million and BaaS program income of $3.2 million. Six Months Ended June 30, 2023 Six Months Ended June 30, 2022 Community Bank CCBX Treasury & Administration Total Community Bank CCBX Treasury & Administration Total (dollars in thousands; unaudited) Net interest income, before $ 44,582 $ 66,415 $ 5,844 $ 116,841 $ 35,773 $ 31,799 $ 1,582 $ 69,154 Interest income (expense) (3,569) 6,139 (2,570) — 431 730 (1,161) — Provision for credit 381 95,761 — 96,142 452 26,584 — 27,036 (Recapture)/Provision for (203) 11 — (192) — — — — Noninterest income (1) 2,704 104,798 400 107,902 2,912 44,389 177 47,478 Noninterest expense 18,685 63,634 14,254 96,573 15,367 42,934 10,283 68,584 Net income before income $ 24,854 $ 17,946 $ (10,580) $ 32,220 $ 23,297 $ 7,400 $ (9,685) $ 21,012 Income taxes 5,340 3,856 (2,273) 6,923 5,103 1,626 (2,123) 4,606 Net Income 19,514 14,090 (8,307) 25,297 18,194 5,774 (7,562) 16,406 (1) For the six months ended June 30, 2023, CCBX noninterest income includes credit enhancements of $93.4 million, fraud enhancements of $3.5 million and BaaS program income of $7.5 million. For the six months ended June 30, 2022, CCBX noninterest income includes credit enhancements of $27.3 million, fraud enhancements of $11.0 million and BaaS program income of $5.7 million.

Description of Business and S_4

Description of Business and Summary of Significant Accounting Policies - Additional Information (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2023 USD ($) branch segment	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Jun. 30, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Number of reportable segments | segment	3
Number of branches | branch	14
Increase (reduction) in allowance	$ 110,762	$ 89,123	$ 74,029	$ 49,358	$ 38,770	$ 28,632
Impact related to adoption of CECL	272,662	258,763	243,494	217,661	207,920	201,222
Retained Earnings
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Impact related to adoption of CECL	$ 146,029	133,123	119,998	$ 95,779	$ 85,603	$ 79,373
Accounting Standards Update 2016-13
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Increase (reduction) in allowance		(310)	$ 3,852
Unfunded commitment reserve, reduction		340
Accounting Standards Update 2016-13 | CCBX
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Increase (reduction) in allowance		4,200
Increase in indemnification asset		4,500
Accounting Standards Update 2016-13 | Retained Earnings
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Impact related to adoption of CECL		$ 954

Description of Business and S_5

Description of Business and Summary of Significant Accounting Policies - Summary of Accounting Standards Update (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Jan. 01, 2023	Dec. 31, 2022
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
CCBX credit enhancement asset	$ 96,928		$ 53,377
Deferred tax asset, net	25,764		18,458
Retained earnings	$ 146,029		119,998
Accounting Standards Update 2016-13
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses		$ 77,881
CCBX credit enhancement asset		57,842
Deferred tax asset, net		18,238
Unfunded commitment reserve		634
Retained earnings		120,732
Accounting Standards Update 2016-13 | Pre-ASC 326 Adoption
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses			74,029
CCBX credit enhancement asset			53,377
Deferred tax asset, net			18,458
Unfunded commitment reserve			974
Retained earnings			$ 119,998
Accounting Standards Update 2016-13 | Impact of ASC 326 Adoption
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Allowance for credit losses		3,852
CCBX credit enhancement asset		4,465
Deferred tax asset, net		(220)
Unfunded commitment reserve		(340)
Retained earnings		$ 734

Investments Securities - Amorti

Investments Securities - Amortized Cost and Fair Values of Investments in Debt Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Available-for-sale
Amortized Cost	$ 100,281	$ 100,272
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2,114)	(2,955)
Fair Value	98,167	97,317
Allowance for Credit Losses	0
Debt Securities, Held-to-maturity, Fair Value to Amortized Cost [Abstract]
Amortized Cost	12,563
Fair Value	12,159
Amortized Cost	112,844	101,308
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2,518)	(3,075)
Fair Value	110,326	98,233
Allowance for Credit Losses	0
U.S. Treasury securities
Available-for-sale
Amortized Cost	99,981	99,967
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(2,110)	(2,952)
Fair Value	97,871	97,015
Allowance for Credit Losses	0
U.S. Agency collateralized mortgage obligations
Available-for-sale
Amortized Cost	50	54
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(3)	(3)
Fair Value	47	51
Allowance for Credit Losses	0
Municipal bonds
Available-for-sale
Amortized Cost	250	250
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(1)	0
Fair Value	249	250
Allowance for Credit Losses	0
U.S. Agency residential mortgage-backed securities
Available-for-sale
Amortized Cost		1
Gross Unrealized Gains		0
Gross Unrealized Losses		0
Fair Value		1
Debt Securities, Held-to-maturity, Fair Value to Amortized Cost [Abstract]
Amortized Cost	12,563	1,036
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(404)	(120)
Fair Value	12,159	$ 916
Allowance for Credit Losses	$ 0

Investments Securities - Amor_2

Investments Securities - Amortized Cost and Fair Value of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Amortized Cost
One year or less	$ 100,231
Total AFS Debt Securities	100,231
Amortized Cost	100,281	$ 100,272
Fair Value
One year or less	98,120
Total AFS Debt Securities	98,120
Fair Value	98,167	$ 97,317
Amortized Cost
One year or less	0
Total HTM Debt Securities	0
Amortized Cost	12,563
Fair Value
One year or less	0
Total HTM Debt Securities	0
Fair Value	12,159
U.S. Agency residential mortgage-backed securities and collateralized mortgage obligations
Amortized Cost
Without single maturity date	50
Fair Value
Without single maturity date	47
Amortized Cost
Without single maturity date	12,563
Fair Value
Without single maturity	$ 12,159

Investments Securities - Additi

Investments Securities - Additional Information (Details)	6 Months Ended
	Jun. 30, 2023 USD ($) security	Jun. 30, 2022 USD ($)	Dec. 31, 2022 USD ($) investment
Net Investment Income [Line Items]
Available-for-sale securities, accrued interest	$ 711,000		$ 723,000
Held-to-maturity securities, accrued interest	50,000		3,000
Investments in debt securities with amortized cost pledged to secure public deposits	$ 22,000,000		$ 37,800,000
Number of securities matured | security	1
Debt security, matured value	$ 590,000
Purchase of securities	0	$ 134,912,000
Sale of securities	$ 0	$ 0
Number of securities in unrealized loss position	10		6
Gross unrealized losses for investment securities	$ 2,518,000
Maturity of time horizon	1 year
U.S. Treasury Bills
Net Investment Income [Line Items]
Number of securities purchased | security	3
Purchase of securities	$ 11,600,000

Investments Securities - Summar

Investments Securities - Summary of Investment Securities Continuous Unrealized Loss Position (Details) $ in Thousands	Jun. 30, 2023 USD ($)
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss [Abstract]
Available-for-sale, Less Than 12 Months, Fair Value	$ 249
Available-for-sale, Less Than 12 Months, Gross Unrealized Losses	1
Available-for-sale, 12 Months or Greater, Fair Value	97,918
Available-for-sale, 12 Months or Greater, Gross Unrealized Losses	2,113
Available-for-Sale, Total Fair Value	98,167
Available-for-Sale, Total Gross Unrealized Losses	2,114
Debt Securities, Held-to-Maturity, Unrealized Loss Position, Accumulated Loss [Abstract]
Total investment securities, Less Than 12 Months, Fair Value	11,510
Total investment securities, Less Than 12 Months, Gross Unrealized Losses	288
Total investment securities, 12 Months or Greater, Fair Value	98,816
Total investment securities, 12 Months or Greater, Gross Unrealized Losses	2,230
Total investment securities, Total Fair Value	110,326
Total investment securities, Total Gross Unrealized Losses	2,518
U.S. Treasury securities
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss [Abstract]
Available-for-sale, Less Than 12 Months, Fair Value	0
Available-for-sale, Less Than 12 Months, Gross Unrealized Losses	0
Available-for-sale, 12 Months or Greater, Fair Value	97,871
Available-for-sale, 12 Months or Greater, Gross Unrealized Losses	2,110
Available-for-Sale, Total Fair Value	97,871
Available-for-Sale, Total Gross Unrealized Losses	2,110
U.S. Agency collateralized mortgage obligations
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss [Abstract]
Available-for-sale, Less Than 12 Months, Fair Value	0
Available-for-sale, Less Than 12 Months, Gross Unrealized Losses	0
Available-for-sale, 12 Months or Greater, Fair Value	47
Available-for-sale, 12 Months or Greater, Gross Unrealized Losses	3
Available-for-Sale, Total Fair Value	47
Available-for-Sale, Total Gross Unrealized Losses	3
Municipal bonds
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss [Abstract]
Available-for-sale, Less Than 12 Months, Fair Value	249
Available-for-sale, Less Than 12 Months, Gross Unrealized Losses	1
Available-for-sale, 12 Months or Greater, Fair Value	0
Available-for-sale, 12 Months or Greater, Gross Unrealized Losses	0
Available-for-Sale, Total Fair Value	249
Available-for-Sale, Total Gross Unrealized Losses	1
U.S. Agency residential mortgage-backed securities
Debt Securities, Held-to-Maturity, Unrealized Loss Position, Accumulated Loss [Abstract]
Held-to-maturity, Less Than 12 Months, Fair Value	11,261
Held-to-maturity, Less Than 12 Months, Gross Unrealized Losses	287
Held-to-maturity, 12 Months or Greater, Fair Value	898
Held-to-maturity, 12 Months or Greater, Gross Unrealized Losses	117
Held-to-Maturity, Total Fair Value	12,159
Held-to-Maturity, Total Gross Unrealized Losses	$ 404

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses - Additional Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023 USD ($) loan	Jun. 30, 2022 USD ($) loan	Jun. 30, 2023 USD ($) loan	Jun. 30, 2022 USD ($) loan	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Transfer from loans to loans held for sale			$ 189,838	$ 80,058
Gain on sales of loans, net	$ 23	$ 0	146	$ 0
Loans held for sale	35,923		35,923			$ 0
Accrued interest on loans	20,800		20,800			17,000
Pledged loans	2,896,791		2,896,791			2,553,227
Balance of SBA and USDA loans and participations sold and serviced	9,400		9,400			14,300
Balance of main street lending program loans and participations serviced	58,000		58,000			58,000
Purchased loans	9,300		9,300			9,600
Unamortized premium	162		162			167
Purchased participation loans	58,800		58,800			63,900
90 Days or More Past Due and Still Accruing	$ 26,328		$ 26,328			26,095
Threshold period for past due loans (in days)	90 days		90 days
Accounts receivable, noncurrent, 90 days or more past due, still accruing						26,100
Number of loans restructured as troubled debt restructurings | loan	0	0	0	0
Allowance for credit losses	$ 110,762	$ 49,358	$ 110,762	$ 49,358	$ 89,123	74,029	$ 38,770	$ 28,632
Loans receivable	3,007,553		3,007,553			2,627,256
Owner-Occupied Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Commercial real estate loans	356,000		356,000
Non-Owner-Occupied Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Commercial real estate loans	478,200		478,200
Multi-Family Residential Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Commercial real estate loans	319,000		319,000
Farmland Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Commercial real estate loans	11,000		11,000
Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses					(310)	3,852
CCBX
Financing Receivable, Allowance for Credit Loss [Line Items]
Accounts receivable, noncurrent, 90 days or more past due, amount covered by credit enhancements	$ 25,200		$ 25,200			25,500
Company's responsibility for credit losses (in percent)	10%		10%
Loans receivable	$ 180,500		$ 180,500
Amount of loans that company is responsible for credit loss	$ 18,000		$ 18,000
Partner's responsibility for credit losses (in percent)	90%		90%
Partner's responsibility for fraud losses (in percentage)	100%		100%
Percentage of revenue earned by company on loans they are responsible for credit losses	100%		100%
Minimum
Financing Receivable, Allowance for Credit Loss [Line Items]
Sustained repayment performance period of loan placed on nonaccrual			6 months
Percentage of collateral coverage to loan balance			100%
Loan repayment extended period of time			6 months
Asset Pledged as Collateral
Financing Receivable, Allowance for Credit Loss [Line Items]
Pledged loans	$ 901,900		$ 901,900			220,100
Commercial and industrial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Capital call lines, provided to venture capital firms	138,400		138,400			146,000
Balance of main street lending program loans and participations serviced	3,100		3,100			3,100
Allowance for credit losses	9,551	4,066	9,551	4,066	8,651	4,831	3,514	3,221
Loans receivable	155,078		155,078
Commercial and industrial loans | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses						1,428
Consumer and other loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Overdrafts included in loans	2,300		2,300			2,700
90 Days or More Past Due and Still Accruing						24,815
Allowance for credit losses	78,871	$ 23,810	78,871	$ 23,810	$ 60,236	50,996	$ 15,114	$ 7,092
Loans receivable	1,457		1,457
Consumer and other loans | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses						2,315
Community Bank
Financing Receivable, Allowance for Credit Loss [Line Items]
Overdrafts included in loans	13		13			94
CCBX
Financing Receivable, Allowance for Credit Loss [Line Items]
Overdrafts included in loans	$ 2,200		$ 2,200			2,600
Threshold period for past due loans (in days)	180 days		180 days
Consumer Portfolio Segment | Installment/Closed-End Consumer Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Threshold period for past due loans (in days)	120 days		120 days
Threshold period for past due loans, charge off (in days)	120 days		120 days
Consumer Portfolio Segment | Revolving/Open-End Consumer Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Threshold period for past due loans (in days)	180 days		180 days
Threshold period for past due loans, charge off (in days)	180 days		180 days
CCBX Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Transfer from loans to loans held for sale	$ 88,600
Proceeds from sales of loans held for sale	80,000
Loans held for sale	35,900		$ 35,900
Consumer and other loans	845,000		845,000			607,000
Commercial and industrial loans	10,800		10,800			11,300
Residential real estate loans	251,200		251,200			244,600
CCBX Loans | Consumer Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Purchased loans	144,900		144,900			157,400
Consumer and other loans	134,200		134,200			146,100
Unsecured CCBX Partner Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Commercial and industrial loans	60,300		60,300
CARES Act Paycheck Protection Program | Commercial and industrial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance of SBA and USDA loans and participations serviced	3,600		$ 3,600			4,700
Small Business Administration | Commercial and industrial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Percentage of unsecured, guaranteed and loan			100%
Capital call lines
Financing Receivable, Allowance for Credit Loss [Line Items]
Commercial and industrial loans	$ 138,400		$ 138,400			$ 146,000

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses - Composition of Loan Portfolio (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	$ 3,014,261	$ 2,633,363
Net deferred origination fees and premiums	(6,708)	(6,107)
Loans receivable	3,007,553	2,627,256
Commercial and industrial loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable		312,628
Construction, land, and land development
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable		214,055
Real Estate Portfolio Segment | Residential real estate
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable		449,157
Loans receivable	211,966
Real Estate Portfolio Segment | Commercial real estate
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable		1,048,752
Loans receivable	1,164,088
Consumer and other loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable		$ 608,771
Loans receivable	1,457
Community Bank
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	1,719,295
Community Bank | Commercial and industrial loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	155,078
Community Bank | Construction, land, and land development
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	186,706
Community Bank | Real Estate Portfolio Segment | Residential real estate
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	211,966
Community Bank | Real Estate Portfolio Segment | Commercial real estate
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	1,164,088
Community Bank | Consumer and other loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	1,457
CCBX
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	1,294,966
CCBX | Commercial and industrial loans | Capital call lines
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	138,428
CCBX | Commercial and industrial loans | All other commercial & industrial loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	60,323
CCBX | Real Estate Portfolio Segment | Residential real estate
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	251,213
CCBX | Consumer and other loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	465,360
CCBX | Consumer and other loans | Credit Card
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	$ 379,642

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses - Summary of an Age Analysis of Past Due Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	$ 3,014,261	$ 2,633,363
90 Days or More Past Due and Still Accruing	26,328	26,095
Net deferred origination fees and premiums	(6,708)	(6,107)
Loans receivable	3,007,553	2,627,256
30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	43,310	39,436
90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	33,722	33,144
Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	77,032	72,580
Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	2,937,229	2,560,783
Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		312,628
90 Days or More Past Due and Still Accruing		404
Commercial and industrial loans | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		393
Commercial and industrial loans | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		486
Commercial and industrial loans | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		879
Commercial and industrial loans | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		311,749
Construction, land, and land development
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		214,055
90 Days or More Past Due and Still Accruing		0
Construction, land, and land development | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		0
Construction, land, and land development | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		66
Construction, land, and land development | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		66
Construction, land, and land development | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		213,989
Real Estate Portfolio Segment | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		449,157
90 Days or More Past Due and Still Accruing		876
Loans receivable	211,966
Real Estate Portfolio Segment | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		1,048,752
90 Days or More Past Due and Still Accruing		0
Loans receivable	1,164,088
Real Estate Portfolio Segment | 30-89 Days Past Due | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		1,016
Real Estate Portfolio Segment | 30-89 Days Past Due | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		95
Real Estate Portfolio Segment | 90 Days or More Past Due | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		876
Real Estate Portfolio Segment | 90 Days or More Past Due | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		6,901
Real Estate Portfolio Segment | Total Past Due | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		1,892
Real Estate Portfolio Segment | Total Past Due | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		6,996
Real Estate Portfolio Segment | Current | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		447,265
Real Estate Portfolio Segment | Current | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		1,041,756
Consumer and other loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		608,771
90 Days or More Past Due and Still Accruing		24,815
Loans receivable	1,457
Consumer and other loans | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		37,932
Consumer and other loans | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		24,815
Consumer and other loans | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		62,747
Consumer and other loans | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable		$ 546,024
Community Bank
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,719,295
90 Days or More Past Due and Still Accruing	0
Community Bank | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	129
Community Bank | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	7,394
Community Bank | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	7,523
Community Bank | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,711,772
Community Bank | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	155,078
90 Days or More Past Due and Still Accruing	0
Community Bank | Commercial and industrial loans | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	97
Community Bank | Commercial and industrial loans | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0
Community Bank | Commercial and industrial loans | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	97
Community Bank | Commercial and industrial loans | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	154,981
Community Bank | Construction, land, and land development
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	186,706
90 Days or More Past Due and Still Accruing	0
Community Bank | Construction, land, and land development | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0
Community Bank | Construction, land, and land development | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	66
Community Bank | Construction, land, and land development | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	66
Community Bank | Construction, land, and land development | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	186,640
Community Bank | Real Estate Portfolio Segment | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	211,966
90 Days or More Past Due and Still Accruing	0
Community Bank | Real Estate Portfolio Segment | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,164,088
90 Days or More Past Due and Still Accruing	0
Community Bank | Real Estate Portfolio Segment | 30-89 Days Past Due | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0
Community Bank | Real Estate Portfolio Segment | 30-89 Days Past Due | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0
Community Bank | Real Estate Portfolio Segment | 90 Days or More Past Due | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	186
Community Bank | Real Estate Portfolio Segment | 90 Days or More Past Due | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	7,142
Community Bank | Real Estate Portfolio Segment | Total Past Due | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	186
Community Bank | Real Estate Portfolio Segment | Total Past Due | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	7,142
Community Bank | Real Estate Portfolio Segment | Current | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	211,780
Community Bank | Real Estate Portfolio Segment | Current | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,156,946
Community Bank | Consumer and other loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,457
90 Days or More Past Due and Still Accruing	0
Community Bank | Consumer and other loans | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	32
Community Bank | Consumer and other loans | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0
Community Bank | Consumer and other loans | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	32
Community Bank | Consumer and other loans | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,425
CCBX
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,294,966
90 Days or More Past Due and Still Accruing	26,328
CCBX | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	43,181
CCBX | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	26,328
CCBX | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	69,509
CCBX | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,225,457
CCBX | Commercial and industrial loans | Capital call lines
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	138,428
90 Days or More Past Due and Still Accruing	0
CCBX | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	60,323
90 Days or More Past Due and Still Accruing	808
CCBX | Commercial and industrial loans | 30-89 Days Past Due | Capital call lines
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0
CCBX | Commercial and industrial loans | 30-89 Days Past Due | CCBX Other Commercial and Industrial Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,575
CCBX | Commercial and industrial loans | 90 Days or More Past Due | Capital call lines
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0
CCBX | Commercial and industrial loans | 90 Days or More Past Due | CCBX Other Commercial and Industrial Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	808
CCBX | Commercial and industrial loans | Total Past Due | Capital call lines
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0
CCBX | Commercial and industrial loans | Total Past Due | CCBX Other Commercial and Industrial Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	2,383
CCBX | Commercial and industrial loans | Current | Capital call lines
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	138,428
CCBX | Commercial and industrial loans | Current | CCBX Other Commercial and Industrial Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	57,940
CCBX | Real Estate Portfolio Segment | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	251,213
90 Days or More Past Due and Still Accruing	1,722
CCBX | Real Estate Portfolio Segment | 30-89 Days Past Due | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	2,378
CCBX | Real Estate Portfolio Segment | 90 Days or More Past Due | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,722
CCBX | Real Estate Portfolio Segment | Total Past Due | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	4,100
CCBX | Real Estate Portfolio Segment | Current | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	247,113
CCBX | Consumer and other loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	465,360
CCBX | Consumer and other loans | Credit Card
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	379,642
90 Days or More Past Due and Still Accruing	18,306
CCBX | Consumer and other loans | Other Consumer and Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	465,360
90 Days or More Past Due and Still Accruing	5,492
CCBX | Consumer and other loans | 30-89 Days Past Due | Credit Card
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	17,572
CCBX | Consumer and other loans | 30-89 Days Past Due | Other Consumer and Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	21,656
CCBX | Consumer and other loans | 90 Days or More Past Due | Credit Card
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	18,306
CCBX | Consumer and other loans | 90 Days or More Past Due | Other Consumer and Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	5,492
CCBX | Consumer and other loans | Total Past Due | Credit Card
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	35,878
CCBX | Consumer and other loans | Total Past Due | Other Consumer and Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	27,148
CCBX | Consumer and other loans | Current | Credit Card
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	343,764
CCBX | Consumer and other loans | Current | Other Consumer and Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	$ 438,212

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses - Analysis of Nonaccrual Loans by Category (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Real Estate Portfolio Segment | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Total nonaccrual loans	$ 186	$ 0
Community Bank
Financing Receivable Recorded Investment Past Due [Line Items]
Total nonaccrual loans	7,399	7,080
Nonaccrual with No ACL	7,399
Community Bank | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Total nonaccrual loans	5	113
Nonaccrual with No ACL	5
Community Bank | Real Estate Portfolio Segment | Construction, land, and land development
Financing Receivable Recorded Investment Past Due [Line Items]
Total nonaccrual loans	66	66
Nonaccrual with No ACL	66
Community Bank | Real Estate Portfolio Segment | Residential real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Nonaccrual with No ACL	186
Community Bank | Real Estate Portfolio Segment | Commercial real estate
Financing Receivable Recorded Investment Past Due [Line Items]
Total nonaccrual loans	7,142	$ 6,901
Nonaccrual with No ACL	$ 7,142

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses - Summary of Risk Category of Loans by Class of Loans (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	$ 3,007,553	$ 2,627,256
Total Community Bank Loans Portfolio Segment
Financing Receivable, Credit Quality Indicator [Line Items]
2023	173,545
2023, current period gross write-offs	13
2022	457,900
2022, current period gross write-offs	0
2021	357,912
2021, current period gross write-offs	0
2020	196,808
2020, current period gross write-offs	0
2019	183,358
2019, current period gross write-offs	0
Prior	275,676
Prior, current period gross write-offs	46
Revolving Loans Amortized Cost Basis	71,065
Revolving Loans Amortized Cost Basis, current period gross write-offs	0
Revolving Loans Converted To Term	3,031
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	1,719,295
Total, current period gross write-offs	59
Total Community Bank Loans Portfolio Segment | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2023	173,545
2022	454,612
2021	350,519
2020	193,222
2019	175,946
Prior	268,033
Revolving Loans Amortized Cost Basis	66,968
Revolving Loans Converted To Term	3,031
Loans receivable	1,685,876
Total Community Bank Loans Portfolio Segment | Other Loan Especially Mentioned
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	3,288
2021	4,245
2020	338
2019	511
Prior	7,572
Revolving Loans Amortized Cost Basis	3,162
Revolving Loans Converted To Term	0
Loans receivable	19,116
Total Community Bank Loans Portfolio Segment | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	3,148
2020	3,248
2019	6,901
Prior	71
Revolving Loans Amortized Cost Basis	935
Revolving Loans Converted To Term	0
Loans receivable	14,303
Total Community Bank Loans Portfolio Segment | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted To Term	0
Loans receivable	0
Commercial and industrial loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	11,366
2023, current period gross write-offs	0
2022	59,094
2022, current period gross write-offs	0
2021	16,891
2021, current period gross write-offs	0
2020	11,682
2020, current period gross write-offs	0
2019	14,313
2019, current period gross write-offs	0
Prior	1,961
Prior, current period gross write-offs	46
Revolving Loans Amortized Cost Basis	38,489
Revolving Loans Amortized Cost Basis, current period gross write-offs	0
Revolving Loans Converted To Term	1,282
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	155,078
Total, current period gross write-offs	46
Commercial and industrial loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2023	11,366
2022	59,094
2021	16,891
2020	11,560
2019	14,313
Prior	1,956
Revolving Loans Amortized Cost Basis	35,414
Revolving Loans Converted To Term	1,282
Loans receivable	151,876
Commercial and industrial loans | Other Loan Especially Mentioned
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	122
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	3,075
Loans receivable	3,197
Commercial and industrial loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	5
Revolving Loans Amortized Cost Basis	0
Loans receivable	5
Commercial and industrial loans | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Loans receivable	0
Real Estate Portfolio Segment | Construction, land, and land development
Financing Receivable, Credit Quality Indicator [Line Items]
2023	33,017
2023, current period gross write-offs	0
2022	64,143
2022, current period gross write-offs	0
2021	80,594
2021, current period gross write-offs	0
2020	5,654
2020, current period gross write-offs	0
2019	929
2019, current period gross write-offs	0
Prior	1,706
Prior, current period gross write-offs	0
Revolving Loans Amortized Cost Basis	663
Revolving Loans Amortized Cost Basis, current period gross write-offs	0
Revolving Loans Converted To Term	0
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	186,706
Total, current period gross write-offs	0
Real Estate Portfolio Segment | Construction, land, and land development | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2023	33,017
2022	64,143
2021	77,446
2020	3,329
2019	929
Prior	1,640
Revolving Loans Amortized Cost Basis	63
Loans receivable	180,567
Real Estate Portfolio Segment | Construction, land, and land development | Other Loan Especially Mentioned
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Loans receivable	0
Real Estate Portfolio Segment | Construction, land, and land development | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	3,148
2020	2,325
2019	0
Prior	66
Revolving Loans Amortized Cost Basis	600
Loans receivable	6,139
Real Estate Portfolio Segment | Construction, land, and land development | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Loans receivable	0
Real Estate Portfolio Segment | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2023	13,210
2023, current period gross write-offs	0
2022	44,823
2022, current period gross write-offs	0
2021	41,534
2021, current period gross write-offs	0
2020	30,674
2020, current period gross write-offs	0
2019	32,348
2019, current period gross write-offs	0
Prior	25,518
Prior, current period gross write-offs	0
Revolving Loans Amortized Cost Basis	23,859
Revolving Loans Amortized Cost Basis, current period gross write-offs	0
Revolving Loans Converted To Term	0
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	211,966
Total, current period gross write-offs	0
Real Estate Portfolio Segment | Residential real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2023	13,210
2022	44,823
2021	39,501
2020	30,636
2019	32,348
Prior	25,474
Revolving Loans Amortized Cost Basis	23,673
Loans receivable	209,665
Real Estate Portfolio Segment | Residential real estate | Other Loan Especially Mentioned
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	2,033
2020	38
2019	0
Prior	44
Revolving Loans Amortized Cost Basis	0
Loans receivable	2,115
Real Estate Portfolio Segment | Residential real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	186
Loans receivable	186
Real Estate Portfolio Segment | Residential real estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Loans receivable	0
Real Estate Portfolio Segment | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2023	115,932
2023, current period gross write-offs	0
2022	289,541
2022, current period gross write-offs	0
2021	218,884
2021, current period gross write-offs	0
2020	148,101
2020, current period gross write-offs	0
2019	135,714
2019, current period gross write-offs	0
Prior	246,262
Prior, current period gross write-offs	0
Revolving Loans Amortized Cost Basis	7,905
Revolving Loans Amortized Cost Basis, current period gross write-offs	0
Revolving Loans Converted To Term	1,749
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	1,164,088
Total, current period gross write-offs	0
Real Estate Portfolio Segment | Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2023	115,932
2022	286,253
2021	216,672
2020	147,000
2019	128,302
Prior	238,734
Revolving Loans Amortized Cost Basis	7,669
Revolving Loans Converted To Term	1,749
Loans receivable	1,142,311
Real Estate Portfolio Segment | Commercial real estate | Other Loan Especially Mentioned
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	3,288
2021	2,212
2020	178
2019	511
Prior	7,528
Revolving Loans Amortized Cost Basis	87
Loans receivable	13,804
Real Estate Portfolio Segment | Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	923
2019	6,901
Prior	0
Revolving Loans Amortized Cost Basis	149
Loans receivable	7,973
Real Estate Portfolio Segment | Commercial real estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Loans receivable	0
Consumer and other loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	20
2023, current period gross write-offs	13
2022	299
2022, current period gross write-offs	0
2021	9
2021, current period gross write-offs	0
2020	697
2020, current period gross write-offs	0
2019	54
2019, current period gross write-offs	0
Prior	229
Prior, current period gross write-offs	0
Revolving Loans Amortized Cost Basis	149
Revolving Loans Amortized Cost Basis, current period gross write-offs	0
Revolving Loans Converted To Term	0
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	1,457
Total, current period gross write-offs	13
Consumer and other loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
2023	20
2022	299
2021	9
2020	697
2019	54
Prior	229
Revolving Loans Amortized Cost Basis	149
Loans receivable	1,457
Consumer and other loans | Other Loan Especially Mentioned
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Loans receivable	0
Consumer and other loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Loans receivable	0
Consumer and other loans | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Loans receivable	$ 0

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses - Summary of Amortized Cost of CCBX Loans (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2023	Dec. 31, 2022
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	$ 3,007,553	$ 2,627,256
Total CCBX Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	301,313
2023, current period gross write-offs	2,012
2022	177,619
2022, current period gross write-offs	27,713
2021	25,007
2021, current period gross write-offs	7,685
2020	249
2020, current period gross write-offs	49
2019	774
2019, current period gross write-offs	182
Prior	529
Prior, current period gross write-offs	121
Revolving Loans Amortized Cost Basis	698,176
Revolving Loans Amortized Cost Basis, current period gross write-offs	28,645
Revolving Loans Converted To Term	91,299
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	1,294,966
Total, current period gross write-offs	66,407
Commercial and industrial loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	11,366
2023, current period gross write-offs	0
2022	59,094
2022, current period gross write-offs	0
2021	16,891
2021, current period gross write-offs	0
2020	11,682
2020, current period gross write-offs	0
2019	14,313
2019, current period gross write-offs	0
Prior	1,961
Prior, current period gross write-offs	46
Revolving Loans Amortized Cost Basis	38,489
Revolving Loans Amortized Cost Basis, current period gross write-offs	0
Revolving Loans Converted To Term	1,282
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	155,078
Total, current period gross write-offs	46
Commercial and industrial loans | Capital call lines | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2023, current period gross write-offs	0
2022	0
2022, current period gross write-offs	0
2021	0
2021, current period gross write-offs	0
2020	0
2020, current period gross write-offs	0
2019	0
2019, current period gross write-offs	0
Prior	0
Prior, current period gross write-offs	0
Revolving Loans Amortized Cost Basis	138,428
Revolving Loans Amortized Cost Basis, current period gross write-offs	0
Revolving Loans Converted To Term	0
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	138,428
Total, current period gross write-offs	0
Commercial and industrial loans | CCBX Other Commercial and Industrial Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	44,369
2023, current period gross write-offs	124
2022	13,718
2022, current period gross write-offs	1,005
2021	68
2021, current period gross write-offs	12
2020	32
2020, current period gross write-offs	0
2019	0
2019, current period gross write-offs	0
Prior	0
Prior, current period gross write-offs	0
Revolving Loans Amortized Cost Basis	2,136
Revolving Loans Amortized Cost Basis, current period gross write-offs	0
Revolving Loans Converted To Term	0
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	60,323
Total, current period gross write-offs	1,141
Real Estate Portfolio Segment | Residential real estate
Financing Receivable, Credit Quality Indicator [Line Items]
2023	13,210
2023, current period gross write-offs	0
2022	44,823
2022, current period gross write-offs	0
2021	41,534
2021, current period gross write-offs	0
2020	30,674
2020, current period gross write-offs	0
2019	32,348
2019, current period gross write-offs	0
Prior	25,518
Prior, current period gross write-offs	0
Revolving Loans Amortized Cost Basis	23,859
Revolving Loans Amortized Cost Basis, current period gross write-offs	0
Revolving Loans Converted To Term	0
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	211,966
Total, current period gross write-offs	0
Real Estate Portfolio Segment | Residential real estate | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2023, current period gross write-offs	0
2022	0
2022, current period gross write-offs	0
2021	0
2021, current period gross write-offs	0
2020	0
2020, current period gross write-offs	0
2019	0
2019, current period gross write-offs	0
Prior	0
Prior, current period gross write-offs	0
Revolving Loans Amortized Cost Basis	159,999
Revolving Loans Amortized Cost Basis, current period gross write-offs	1,682
Revolving Loans Converted To Term	91,214
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	251,213
Total, current period gross write-offs	1,682
Consumer and other loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	20
2023, current period gross write-offs	13
2022	299
2022, current period gross write-offs	0
2021	9
2021, current period gross write-offs	0
2020	697
2020, current period gross write-offs	0
2019	54
2019, current period gross write-offs	0
Prior	229
Prior, current period gross write-offs	0
Revolving Loans Amortized Cost Basis	149
Revolving Loans Amortized Cost Basis, current period gross write-offs	0
Revolving Loans Converted To Term	0
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	1,457
Total, current period gross write-offs	13
Consumer and other loans | Credit Card | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2023, current period gross write-offs	0
2022	0
2022, current period gross write-offs	0
2021	0
2021, current period gross write-offs	0
2020	0
2020, current period gross write-offs	0
2019	0
2019, current period gross write-offs	0
Prior	0
Prior, current period gross write-offs	0
Revolving Loans Amortized Cost Basis	379,557
Revolving Loans Amortized Cost Basis, current period gross write-offs	23,391
Revolving Loans Converted To Term	85
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	379,642
Total, current period gross write-offs	23,391
Consumer and other loans | Other Consumer and Other Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	256,944
2023, current period gross write-offs	1,888
2022	163,901
2022, current period gross write-offs	26,708
2021	24,939
2021, current period gross write-offs	7,673
2020	217
2020, current period gross write-offs	49
2019	774
2019, current period gross write-offs	182
Prior	529
Prior, current period gross write-offs	121
Revolving Loans Amortized Cost Basis	18,056
Revolving Loans Amortized Cost Basis, current period gross write-offs	3,572
Revolving Loans Converted To Term	0
Revolving Loans Converted To Term, current period gross write-offs	0
Loans receivable	465,360
Total, current period gross write-offs	40,193
Performing Financial Instruments | Total CCBX Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	300,251
2022	174,747
2021	24,301
2020	234
2019	755
Prior	512
Revolving Loans Amortized Cost Basis	676,539
Revolving Loans Converted To Term	91,299
Loans receivable	1,268,638
Performing Financial Instruments | Commercial and industrial loans | Capital call lines | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	138,428
Revolving Loans Converted To Term	0
Loans receivable	138,428
Performing Financial Instruments | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	43,964
2022	13,406
2021	68
2020	32
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	2,045
Revolving Loans Converted To Term	0
Loans receivable	59,515
Performing Financial Instruments | Real Estate Portfolio Segment | Residential real estate | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	158,277
Revolving Loans Converted To Term	91,214
Loans receivable	249,491
Performing Financial Instruments | Consumer and other loans | Credit Card | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	361,251
Revolving Loans Converted To Term	85
Loans receivable	361,336
Performing Financial Instruments | Consumer and other loans | Other Consumer and Other Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	256,287
2022	161,341
2021	24,233
2020	202
2019	755
Prior	512
Revolving Loans Amortized Cost Basis	16,538
Revolving Loans Converted To Term	0
Loans receivable	459,868
Nonperforming Financial Instruments | Total CCBX Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	1,062
2022	2,872
2021	706
2020	15
2019	19
Prior	17
Revolving Loans Amortized Cost Basis	21,637
Revolving Loans Converted To Term	0
Loans receivable	26,328
Nonperforming Financial Instruments | Commercial and industrial loans | Capital call lines | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted To Term	0
Loans receivable	0
Nonperforming Financial Instruments | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	405
2022	312
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	91
Revolving Loans Converted To Term	0
Loans receivable	808
Nonperforming Financial Instruments | Real Estate Portfolio Segment | Residential real estate | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	1,722
Revolving Loans Converted To Term	0
Loans receivable	1,722
Nonperforming Financial Instruments | Consumer and other loans | Credit Card | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	0
2022	0
2021	0
2020	0
2019	0
Prior	0
Revolving Loans Amortized Cost Basis	18,306
Revolving Loans Converted To Term	0
Loans receivable	18,306
Nonperforming Financial Instruments | Consumer and other loans | Other Consumer and Other Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2023	657
2022	2,560
2021	706
2020	15
2019	19
Prior	17
Revolving Loans Amortized Cost Basis	1,518
Revolving Loans Converted To Term	0
Loans receivable	$ 5,492

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses - Summary of Loans by Credit Quality Risk Rating (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable	$ 3,014,261	$ 2,633,363
Net deferred origination fees and premiums	(6,708)	(6,107)
Loans receivable	3,007,553	2,627,256
Commercial and industrial loans
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		312,628
Loans receivable	155,078
Construction, land, and land development
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		214,055
Real Estate Portfolio Segment | Residential real estate
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		449,157
Loans receivable	211,966
Real Estate Portfolio Segment | Commercial real estate
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		1,048,752
Loans receivable	1,164,088
Consumer and other loans
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		608,771
Loans receivable	1,457
Pass
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		2,573,935
Pass | Commercial and industrial loans
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		304,840
Loans receivable	151,876
Pass | Construction, land, and land development
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		206,304
Pass | Real Estate Portfolio Segment | Residential real estate
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		448,185
Loans receivable	209,665
Pass | Real Estate Portfolio Segment | Commercial real estate
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		1,030,650
Loans receivable	1,142,311
Pass | Consumer and other loans
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		583,956
Loans receivable	1,457
Other Loans Especially Mentioned
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		26,201
Other Loans Especially Mentioned | Commercial and industrial loans
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		7,219
Other Loans Especially Mentioned | Construction, land, and land development
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		7,685
Other Loans Especially Mentioned | Real Estate Portfolio Segment | Residential real estate
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		96
Other Loans Especially Mentioned | Real Estate Portfolio Segment | Commercial real estate
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		11,201
Other Loans Especially Mentioned | Consumer and other loans
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		0
Sub- Standard
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		33,227
Sub- Standard | Commercial and industrial loans
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		569
Loans receivable	5
Sub- Standard | Construction, land, and land development
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		66
Sub- Standard | Real Estate Portfolio Segment | Residential real estate
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		876
Loans receivable	186
Sub- Standard | Real Estate Portfolio Segment | Commercial real estate
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		6,901
Loans receivable	7,973
Sub- Standard | Consumer and other loans
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		24,815
Loans receivable	0
Doubtful
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		0
Doubtful | Commercial and industrial loans
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		0
Loans receivable	0
Doubtful | Construction, land, and land development
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		0
Doubtful | Real Estate Portfolio Segment | Residential real estate
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		0
Loans receivable	0
Doubtful | Real Estate Portfolio Segment | Commercial real estate
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		0
Loans receivable	0
Doubtful | Consumer and other loans
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable		$ 0
Loans receivable	0
Other Loan Especially Mentioned | Commercial and industrial loans
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	3,197
Other Loan Especially Mentioned | Real Estate Portfolio Segment | Residential real estate
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	2,115
Other Loan Especially Mentioned | Real Estate Portfolio Segment | Commercial real estate
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	13,804
Other Loan Especially Mentioned | Consumer and other loans
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	$ 0

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses - Summary of Allocation of Allowance for Loan Loss as well as Activity in Allowance for Loan Loss Attributed to Various Segments in Loan (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	$ 89,123	$ 38,770	$ 74,029	$ 28,632
Provision for credit losses or (recapture)	52,598	14,094	96,142	27,036
Loans receivable allowance including provision losses or (recapture)	141,721	52,864	174,023	55,668
Loans charged-off	(32,299)	(3,542)	(66,466)	(6,350)
Recoveries of loans previously charged-off	1,340	36	3,205	40
Net charge-offs	(30,959)	(3,506)	(63,261)	(6,310)
Ending ALLL Balance	110,762	49,358	110,762	49,358
Accounting Standards Update 2016-13
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	(310)		3,852
Commercial and industrial loans
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	8,651	3,514	4,831	3,221
Provision for credit losses or (recapture)	1,311	550	4,476	846
Loans receivable allowance including provision losses or (recapture)	9,962	4,064	10,735	4,067
Loans charged-off	(411)	(33)	(1,187)	(38)
Recoveries of loans previously charged-off	0	35	3	37
Net charge-offs	(411)	2	(1,184)	(1)
Ending ALLL Balance	9,551	4,066	9,551	4,066
Commercial and industrial loans | Accounting Standards Update 2016-13
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance			1,428
Construction, land, and land development
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	5,744	7,592	7,425	6,984
Provision for credit losses or (recapture)	795	407	703	1,015
Loans receivable allowance including provision losses or (recapture)	6,539	7,999	6,539	7,999
Loans charged-off	0	0	0	0
Recoveries of loans previously charged-off	0	0	0	0
Net charge-offs	0	0	0	0
Ending ALLL Balance	6,539	7,999	6,539	7,999
Construction, land, and land development | Accounting Standards Update 2016-13
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance			(1,589)
Real Estate Portfolio Segment | Residential real estate
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	6,986	5,758	4,142	4,598
Provision for credit losses or (recapture)	2,808	1,413	4,766	2,573
Loans receivable allowance including provision losses or (recapture)	9,794	7,171	10,531	7,171
Loans charged-off	(945)	0	(1,682)	0
Recoveries of loans previously charged-off	0	0	0	0
Net charge-offs	(945)	0	(1,682)	0
Ending ALLL Balance	8,849	7,171	8,849	7,171
Real Estate Portfolio Segment | Residential real estate | Accounting Standards Update 2016-13
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance			1,623
Real Estate Portfolio Segment | Commercial real estate
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	7,506	5,317	5,470	6,590
Provision for credit losses or (recapture)	(554)	(577)	242	(1,850)
Loans receivable allowance including provision losses or (recapture)	6,952	4,740	6,952	4,740
Loans charged-off	0	0	0	0
Recoveries of loans previously charged-off	0	0	0	0
Net charge-offs	0	0	0	0
Ending ALLL Balance	6,952	4,740	6,952	4,740
Real Estate Portfolio Segment | Commercial real estate | Accounting Standards Update 2016-13
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance			1,240
Consumer and other loans
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	60,236	15,114	50,996	7,092
Provision for credit losses or (recapture)	48,238	12,204	85,955	23,027
Loans receivable allowance including provision losses or (recapture)	108,474	27,318	139,266	30,119
Loans charged-off	(30,943)	(3,509)	(63,597)	(6,312)
Recoveries of loans previously charged-off	1,340	1	3,202	3
Net charge-offs	(29,603)	(3,508)	(60,395)	(6,309)
Ending ALLL Balance	78,871	23,810	78,871	23,810
Consumer and other loans | Accounting Standards Update 2016-13
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance			2,315
Unallocated
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	0	1,475	1,165	147
Provision for credit losses or (recapture)	0	97		1,425
Loans receivable allowance including provision losses or (recapture)	0	1,572	0	1,572
Loans charged-off	0	0	0	0
Recoveries of loans previously charged-off	0	0	0	0
Net charge-offs	0	0	0	0
Ending ALLL Balance	$ 0	$ 1,572	0	$ 1,572
Unallocated | Accounting Standards Update 2016-13
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance			$ (1,165)

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses - Summary of Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated			$ 95
Collectively evaluated			73,934
ALLL balance, December 31, 2022	$ 110,762	$ 89,123	74,029	$ 49,358	$ 38,770	$ 28,632
Loans individually evaluated			7,080
Loans collectively evaluated			2,626,283
Gross loans receivable	3,014,261		2,633,363
Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
ALLL balance, December 31, 2022	0
Loans individually evaluated	7,399
Real Estate | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	7,394
Business Assets | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	5
Commercial and industrial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated			95
Collectively evaluated			4,736
ALLL balance, December 31, 2022	9,551	8,651	4,831	4,066	3,514	3,221
Loans individually evaluated			113
Loans collectively evaluated			312,515
Gross loans receivable			312,628
Commercial and industrial loans | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
ALLL balance, December 31, 2022	0
Loans individually evaluated	5
Commercial and industrial loans | Real Estate | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	0
Commercial and industrial loans | Business Assets | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	5
Real Estate Portfolio Segment | Construction, land, and land development | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
ALLL balance, December 31, 2022	0
Loans individually evaluated	66
Real Estate Portfolio Segment | Construction, land, and land development | Real Estate | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	66
Real Estate Portfolio Segment | Construction, land, and land development | Business Assets | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	0
Real Estate Portfolio Segment | Residential real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated			0
Collectively evaluated			4,142
ALLL balance, December 31, 2022	8,849	6,986	4,142	7,171	5,758	4,598
Loans individually evaluated			0
Loans collectively evaluated			449,157
Gross loans receivable			449,157
Real Estate Portfolio Segment | Residential real estate | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
ALLL balance, December 31, 2022	0
Loans individually evaluated	186
Real Estate Portfolio Segment | Residential real estate | Real Estate | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	186
Real Estate Portfolio Segment | Residential real estate | Business Assets | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	0
Real Estate Portfolio Segment | Commercial real estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated			0
Collectively evaluated			5,470
ALLL balance, December 31, 2022	6,952	7,506	5,470	4,740	5,317	6,590
Loans individually evaluated			6,901
Loans collectively evaluated			1,041,851
Gross loans receivable			1,048,752
Real Estate Portfolio Segment | Commercial real estate | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
ALLL balance, December 31, 2022	0
Loans individually evaluated	7,142
Real Estate Portfolio Segment | Commercial real estate | Real Estate | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	7,142
Real Estate Portfolio Segment | Commercial real estate | Business Assets | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	0
Construction, land, and land development
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated			0
Collectively evaluated			7,425
ALLL balance, December 31, 2022	6,539	5,744	7,425	7,999	7,592	6,984
Loans individually evaluated			66
Loans collectively evaluated			213,989
Gross loans receivable			214,055
Consumer and other loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated			0
Collectively evaluated			50,996
ALLL balance, December 31, 2022	78,871	60,236	50,996	23,810	15,114	7,092
Loans individually evaluated			0
Loans collectively evaluated			608,771
Gross loans receivable			608,771
Unallocated
Financing Receivable, Allowance for Credit Loss [Line Items]
Individually evaluated			0
Collectively evaluated			1,165
ALLL balance, December 31, 2022	$ 0	$ 0	$ 1,165	$ 1,572	$ 1,475	$ 147

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses - Summary of Information Pertaining to Impaired Loans (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Financing Receivable Impaired [Line Items]
Unpaid Contractual Principal Balance	$ 7,092
Recorded Investment With No Allowance	6,967
Recorded Investment With Allowance	113
Total Recorded Investment	7,080
Related Allowance	95
Commercial and industrial loans
Financing Receivable Impaired [Line Items]
Unpaid Contractual Principal Balance	124
Recorded Investment With No Allowance	0
Recorded Investment With Allowance	113
Total Recorded Investment	113
Related Allowance	95
Construction, land, and land development
Financing Receivable Impaired [Line Items]
Unpaid Contractual Principal Balance	67
Recorded Investment With No Allowance	66
Recorded Investment With Allowance	0
Total Recorded Investment	66
Related Allowance	0
Real Estate Portfolio Segment | Commercial real estate
Financing Receivable Impaired [Line Items]
Unpaid Contractual Principal Balance	6,901
Recorded Investment With No Allowance	6,901
Recorded Investment With Allowance	0
Total Recorded Investment	6,901
Related Allowance	$ 0

Loans and Allowance for Cred_13

Loans and Allowance for Credit Losses - Summary of Average Recorded Investment and Interest Income Recognized on Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2022
Financing Receivable Impaired [Line Items]
Average Recorded Investment	$ 187	$ 199
Interest Income Recognized	0	0
Commercial and industrial loans
Financing Receivable Impaired [Line Items]
Average Recorded Investment	120	136
Interest Income Recognized	0	0
Construction, land, and land development
Financing Receivable Impaired [Line Items]
Average Recorded Investment	13	9
Interest Income Recognized	0	0
Real Estate Portfolio Segment | Residential real estate
Financing Receivable Impaired [Line Items]
Average Recorded Investment	54	54
Interest Income Recognized	$ 0	$ 0

Deposits - Composition of Conso

Deposits - Composition of Consolidated Deposits (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Deposits [Abstract]
Demand, noninterest bearing	$ 725,592	$ 775,012
NOW and money market	2,323,164	1,804,399
Savings	88,991	107,117
Total core deposits	3,137,747	2,686,528
Brokered deposits	1	101,546
Time deposits less than $250,000	17,437	21,942
Time deposits $250,000 and over	7,387	7,505
Total deposits	$ 3,162,572	$ 2,817,521

Deposits - Schedule of Maturity

Deposits - Schedule of Maturity Distribution of Time Deposits (Details) $ in Thousands	Jun. 30, 2023 USD ($)
Time Deposits, Fiscal Year Maturity [Abstract]
Twelve months	$ 20,182
One to two years	2,248
Two to three years	1,499
Three to four years	255
Four to five years	640
Thereafter	0
Total time deposits	$ 24,824

Deposits - Additional Informati

Deposits - Additional Information (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Deposit Liability [Line Items]
Deposits	$ 3,162,572	$ 2,817,521
Reciprocal NOW and Money Market Accounts
Deposit Liability [Line Items]
Deposits	$ 240,300

Leases - Additional Information

Leases - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Lessee Lease Description [Line Items]
Weighted average discount rate	3.88%		3.88%
Operating leases weighted-average remaining lease term	9 years 6 months		9 years 6 months
Operating lease rental expense	$ 284	$ 347	$ 642	$ 693
Minimum
Lessee Lease Description [Line Items]
Operating leases lease term	8 months		8 months
Lessee, operating lease, renewal term	5 years		5 years
Maximum
Lessee Lease Description [Line Items]
Operating leases lease term	21 years 8 months 12 days		21 years 8 months 12 days
Lessee, operating lease, renewal term	10 years		10 years

Leases - Summary of Minimum Ann

Leases - Summary of Minimum Annual Lease Payments under Lease Terms (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
July 1 to December 31, 2023	$ 499
2024	986
2025	943
2026	947
2027	895
2028 and thereafter	3,456
Total lease payments	7,726
Less: amounts representing interest	1,313
Operating lease liabilities	$ 6,413	$ 5,234

Leases - Summary of Components

Leases - Summary of Components of Total Lease Expense and Operating Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Lease expense:
Operating lease expense	$ 247	$ 320	$ 568	$ 675
Variable lease expense	52	45	104	87
Total lease expense	299	365	672	762
Cash paid:
Cash paid reducing operating lease liabilities	$ 313	$ 362	$ 692	$ 756

Stock-Based Compensation - Addi

Stock-Based Compensation - Additional Information (Details) - USD ($)		3 Months Ended			6 Months Ended		12 Months Ended
	May 24, 2021	Jun. 30, 2023	Mar. 31, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2018
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options granted in period (in shares)					0
Total intrinsic or aggregate value of options exercise price		$ 62,000		$ 302,000	$ 2,300,000	$ 1,400,000
Total unrecognized compensation cost related to nonvested stock options granted		922,000			922,000
Stock-based compensation					$ 1,897,000	1,104,000
Stock Option Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost related to nonvested stock options/ RSA granted, weighted-average period					4 years 1 month 6 days
Stock-based compensation		60,000		68,000	$ 200,000	188,000
Restricted Stock Units (RSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total unrecognized compensation cost related to nonvested stock options granted		10,700,000			$ 10,700,000
Unrecognized compensation cost related to nonvested stock options/ RSA granted, weighted-average period					4 years 2 months 12 days
Stock-based compensation		688,000		453,000	$ 1,500,000	827,000
Granted (in shares)					84,522,000
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options granted in period (in shares)					0
Unrecognized compensation cost related to nonvested stock options/ RSA granted, weighted-average period					4 years 7 months 6 days
Stock-based compensation		2,000		2,000	$ 4,000	$ 4,000
Total unrecognized compensation cost related to nonvested restricted stock awards		$ 41,000			$ 41,000
2018 Omnibus Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Aggregate shares of common stock authorized (in shares)	600,000
Shares available to be granted (in shares)		433,297			433,297
Stock options granted in period (in shares)					0	0
Award vesting period		5 years
2018 Omnibus Incentive Plan | Share-Based Payment Arrangement, Tranche One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			4 years
2018 Omnibus Incentive Plan | Share-Based Payment Arrangement, Tranche Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period			5 years
2018 Omnibus Incentive Plan | Restricted Stock Units (RSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)		9,827
2018 Omnibus Incentive Plan | Restricted Stock Units (RSUs) | Share-Based Payment Arrangement, Tranche One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)			73,611
2018 Omnibus Incentive Plan | Restricted Stock Units (RSUs) | Share-Based Payment Arrangement, Tranche Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)			1,084
2018 Omnibus Incentive Plan | Restricted Stock | Director
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Market value of shares grants per year					$ 45,000
2018 Omnibus Incentive Plan | Restricted Stock | Board Chair
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Market value of shares grants per year					75,000
2018 Omnibus Incentive Plan | Restricted Stock | Committee Chairs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Market value of shares grants per year					10,000
2018 Omnibus Incentive Plan | Restricted Stock | Non-Financial Risk and Compensation Committee Chair
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Market value of shares grants per year					7,500
2018 Omnibus Incentive Plan | Restricted Stock | Asset Liability & Investment, Credit and Nominating & Governance Chair
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Market value of shares grants per year					$ 5,000
2006 Plan and the Directors' Stock Bonus Plan (2006 Plan)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Aggregate shares of common stock authorized (in shares)							0
Directors Stock Compensation Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost related to nonvested stock options/ RSA granted, weighted-average period					11 months
Directors Stock Compensation Plan | Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation		$ 96,000		$ 60,000	$ 192,000	$ 98,000
Granted (in shares)					13,538,000
Directors Stock Compensation Plan | Restricted Stock | Director
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total unrecognized compensation cost related to nonvested stock options granted		$ 433,000			$ 433,000
Maximum | 2018 Omnibus Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Aggregate shares of common stock authorized (in shares)							500,000

Stock-Based Compensation - Summ

Stock-Based Compensation - Summary of Stock Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	6 Months Ended		12 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Shares
Granted (in shares)	0
Weighted- Average Exercise Price
Granted (in dollars per share)	$ 0
2018 Omnibus Incentive Plan
Shares
Outstanding, beginning of period (in shares)	438,103
Granted (in shares)	0	0
Exercised (in shares)	(80,104)
Expired (in shares)	0
Forfeited or expired (in shares)	0
Outstanding, end of period (in shares)	357,999		438,103
Vested or expected to vest, end of period (in shares)	357,999
Exercisable, end of period (in shares)	172,470
Weighted- Average Exercise Price
Outstanding, beginning of period (in dollars per share)	$ 8.79
Exercised (in dollars per share)	7.35
Expired (in dollars per share)	0
Forfeited or expired (in dollars per share)	0
Outstanding, end of period (in dollars per share)	9.11		$ 8.79
Vested or expected to vest, end of period (in dollars per share)	9.11
Exercisable, end of period (in dollars per share)	$ 8.68
Additional Disclosures
Weighted average remaining contractual term, outstanding, beginning of period	3 years 10 months 24 days		4 years 1 month 6 days
Weighted average remaining contractual term, outstanding, beginning of period	3 years 10 months 24 days		4 years 1 month 6 days
Weighted average remaining contractual term, vested or expected to vest, end of period	3 years 10 months 24 days
Weighted average remaining contractual term, exercisable, end of period	3 years 8 months 12 days
Aggregate intrinsic value, outstanding, beginning of period (in dollars)	$ 16,968
Aggregate intrinsic value, outstanding, end of period (in dollars)	10,216		$ 16,968
Aggregate intrinsic value, vested or expected to vest, end of period (in dollars)	10,216
Aggregate intrinsic value, exercisable, end of period (in dollars)	$ 4,996

Stock-Based Compensation - Su_2

Stock-Based Compensation - Summary of Nonvested Shares (Details) $ / shares in Units, $ in Thousands	6 Months Ended
	Jun. 30, 2023 USD ($) $ / shares shares	Dec. 31, 2022 USD ($)
Restricted Stock Units (RSUs)
Shares
Outstanding, beginning of period (in shares) | shares	380,151,000
Granted (in shares) | shares	84,522,000
Forfeited (in shares) | shares	(8,535,000)
Vested (in shares) | shares	(46,020,000)
Outstanding, end of period (in shares) | shares	410,118,000
Weighted- Average Grant Date Fair Value
Outstanding, beginning of period (in dollars per share) | $ / shares	$ 28.61
Granted (in dollars per share) | $ / shares	42.57
Forfeited (in dollars per share) | $ / shares	38.41
Vested (in dollars per share) | $ / shares	30.56
Outstanding, end of period (in dollars per share) | $ / shares	$ 31.07
Total or Aggregate intrinsic value, end of period (in dollars) | $	$ 2,700	$ 7,187
Restricted Stock | Directors Stock Compensation Plan
Shares
Outstanding, beginning of period (in shares) | shares	13,396,000
Granted (in shares) | shares	13,538,000
Forfeited (in shares) | shares	0
Vested (in shares) | shares	(10,896,000)
Outstanding, end of period (in shares) | shares	16,038,000
Weighted- Average Grant Date Fair Value
Outstanding, beginning of period (in dollars per share) | $ / shares	$ 32.94
Granted (in dollars per share) | $ / shares	35.10
Forfeited (in dollars per share) | $ / shares	0
Vested (in dollars per share) | $ / shares	36.41
Outstanding, end of period (in dollars per share) | $ / shares	$ 32.41
Total or Aggregate intrinsic value, end of period (in dollars) | $	$ 84	$ 195

Fair Value Measurements - Summa

Fair Value Measurements - Summary of Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Carrying Value
Financial assets
Cash and due from banks	$ 29,783	$ 32,722
Interest earning deposits with other banks	245,277	309,417
Investment securities	110,730	98,353
Other investments	12,037	10,555
Loans held for sale	35,923
Loans receivable	3,007,553	2,627,256
Accrued interest receivable	21,581	17,815
Financial liabilities
Deposits	3,162,572	2,817,521
Subordinated debt	44,069	43,999
Junior subordinated debentures	3,589	3,588
Accrued interest payable	766	684
Estimated Fair Value
Financial assets
Cash and due from banks	29,783	32,722
Interest earning deposits with other banks	245,277	309,417
Investment securities	110,326	98,233
Other investments	12,037	10,555
Loans held for sale	35,923
Loans receivable	2,953,342	2,580,183
Accrued interest receivable	21,581	17,815
Financial liabilities
Deposits	3,161,753	2,816,602
Subordinated debt	42,861	42,743
Junior subordinated debentures	3,489	3,484
Accrued interest payable	766	684
Estimated Fair Value | Level 1
Financial assets
Cash and due from banks	29,783	32,722
Interest earning deposits with other banks	245,277	309,417
Investment securities	97,871	97,015
Other investments	0	0
Loans held for sale	0
Loans receivable	0	0
Accrued interest receivable	0	0
Financial liabilities
Deposits	0	0
Subordinated debt	0	0
Junior subordinated debentures	0	0
Accrued interest payable	0	0
Estimated Fair Value | Level 2
Financial assets
Cash and due from banks	0	0
Interest earning deposits with other banks	0	0
Investment securities	12,455	1,218
Other investments	9,465	7,983
Loans held for sale	35,923
Loans receivable	0	0
Accrued interest receivable	21,581	17,815
Financial liabilities
Deposits	3,161,753	2,816,602
Subordinated debt	42,861	42,743
Junior subordinated debentures	3,489	3,484
Accrued interest payable	766	684
Estimated Fair Value | Level 3
Financial assets
Cash and due from banks	0	0
Interest earning deposits with other banks	0	0
Investment securities	0	0
Other investments	2,572	2,572
Loans held for sale
Loans receivable	2,953,342	2,580,183
Accrued interest receivable	0	0
Financial liabilities
Deposits	0	0
Subordinated debt	0	0
Junior subordinated debentures	0	0
Accrued interest payable	$ 0	$ 0

Fair Value Measurements - Sum_2

Fair Value Measurements - Summary of Assets Measured at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	$ 98,167	$ 97,317
Estimated Fair Value | Recurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	98,167	97,317
Estimated Fair Value | Recurring | U.S. Treasury securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	97,871	97,015
Estimated Fair Value | Recurring | U.S. Agency collateralized mortgage obligations
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	47	51
Estimated Fair Value | Recurring | U.S. Agency residential mortgage-backed securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value		1
Estimated Fair Value | Recurring | Municipals
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	249	250
Estimated Fair Value | Recurring | Level 1
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	97,871	97,015
Estimated Fair Value | Recurring | Level 1 | U.S. Treasury securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	97,871	97,015
Estimated Fair Value | Recurring | Level 1 | U.S. Agency collateralized mortgage obligations
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	0	0
Estimated Fair Value | Recurring | Level 1 | U.S. Agency residential mortgage-backed securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value		0
Estimated Fair Value | Recurring | Level 1 | Municipals
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	0	0
Estimated Fair Value | Recurring | Level 2
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	296	302
Estimated Fair Value | Recurring | Level 2 | U.S. Treasury securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	0	0
Estimated Fair Value | Recurring | Level 2 | U.S. Agency collateralized mortgage obligations
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	47	51
Estimated Fair Value | Recurring | Level 2 | U.S. Agency residential mortgage-backed securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value		1
Estimated Fair Value | Recurring | Level 2 | Municipals
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	249	250
Estimated Fair Value | Recurring | Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	0	0
Estimated Fair Value | Recurring | Level 3 | U.S. Treasury securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	0	0
Estimated Fair Value | Recurring | Level 3 | U.S. Agency collateralized mortgage obligations
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	0	0
Estimated Fair Value | Recurring | Level 3 | U.S. Agency residential mortgage-backed securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value		0
Estimated Fair Value | Recurring | Level 3 | Municipals
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	$ 0	$ 0

Fair Value Measurements - Sum_3

Fair Value Measurements - Summary of Financial Assets and Liabilities Measured at Fair Value on Nonrecurring Basis (Details) - Nonrecurring - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	$ 2,572	$ 9,652
Impaired loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value		7,080
Equity securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	2,572	2,572
Level 1
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	0	0
Level 1 | Impaired loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value		0
Level 1 | Equity securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	0	0
Level 2
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	0	0
Level 2 | Impaired loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value		0
Level 2 | Equity securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	0	0
Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	2,572	9,652
Level 3 | Impaired loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value		7,080
Level 3 | Equity securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	$ 2,572	$ 2,572

Fair Value Measurements - Sum_4

Fair Value Measurements - Summary of Carrying Value of Equity Securities Without Readily Determinable Fair Values (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Purchases	$ 0	$ 0	$ 0	$ 350
Level 3
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Carrying value, beginning of period	2,572	2,672	2,572	2,322
Observable price change	0	0	0	0
Carrying value, end of period	$ 2,572	$ 2,672	$ 2,572	$ 2,672

Fair Value Measurements - Sum_5

Fair Value Measurements - Summary of Assets and Liabilities Classified as Level 3 and Measured at Fair Value on Nonrecurring Basis (Details)	12 Months Ended
	Dec. 31, 2022
Level 3 | Measurement Input, Discount Rate | Valuation, Market Approach
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Impaired loans, measurement input	8%

Earnings Per Common Share - Sch

Earnings Per Common Share - Schedule of Computation of Basic and Diluted Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Net Income (Loss) Available to Common Stockholders, Diluted [Abstract]
Net Income	$ 12,906	$ 10,176	$ 25,297	$ 16,406
Basic weighted average number common shares outstanding (in shares)	13,275,640	12,928,061	13,236,517	12,913,485
Dilutive effect of equity-based awards (in shares)	322,123	513,952	367,077	545,221
Diluted weighted average number common shares outstanding (in shares)	13,597,763	13,442,013	13,603,594	13,458,706
Basic earnings per share (in usd per share)	$ 0.97	$ 0.79	$ 1.91	$ 1.27
Diluted earnings per share (in usd per share)	$ 0.95	$ 0.76	$ 1.86	$ 1.22
Stock Options and Restricted Stock
Net Income (Loss) Available to Common Stockholders, Diluted [Abstract]
Antidilutive stock options and restricted stock outstanding (in shares)	229,436	299,743	177,364	234,649

Segment Reporting - Additional

Segment Reporting - Additional Information (Details)	6 Months Ended
	Jun. 30, 2023 location segment partner
Segment Reporting Information [Line Items]
Number of operating segments | segment	3
Number of reportable segments | segment	3
Number of Full-Service Banking Locations	14
CCBX
Segment Reporting Information [Line Items]
Number of Partners | partner	22
Snohomish County
Segment Reporting Information [Line Items]
Number of Full-Service Banking Locations	12
King County
Segment Reporting Information [Line Items]
Number of Full-Service Banking Locations	1
Island County
Segment Reporting Information [Line Items]
Number of Full-Service Banking Locations	1

Segment Reporting - Summary of

Segment Reporting - Summary of Financial Information of Reportable Segments and Reconciliation to Consolidated Financial Results (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash and Due from Banks	$ 29,783		$ 29,783			$ 32,722
Loans held for sale	35,923		35,923			0
Total loans receivable, post-adoption	3,007,553		3,007,553			2,627,256
Allowance for credit losses	(110,762)	$ (49,358)	(110,762)	$ (49,358)	$ (89,123)	(74,029)	$ (38,770)	$ (28,632)
Other assets	3,364		3,364			4,229
Total assets	3,535,283		3,535,283			3,144,467
LIABILITIES
Deposits	3,162,572		3,162,572			2,817,521
Other liabilities	16,951		16,951			8,912
Total liabilities	3,262,621		3,262,621			2,900,973
Net interest income, before intrabank transfer	62,350	39,886	116,841	69,154
PROVISION FOR CREDIT LOSSES - LOANS	52,598	14,094	96,142	27,036
(Recapture)/Provision for unfunded commitments	(345)	0	(192)	0
Noninterest income	58,595	25,492	107,902	47,478
Noninterest expense	51,910	38,169	96,573	68,584
Net income before income taxes	16,782	13,115	32,220	21,012
Income taxes	3,876	2,939	6,923	4,606
NET INCOME	12,906	10,176	25,297	16,406
CCBX | Credit Enhancements
LIABILITIES
Revenue not from contracts with customer	51,000	14,200	93,400	27,300
CCBX | Fraud Enhancements
LIABILITIES
Revenue not from contracts with customer	1,500	6,500	3,500	11,000
CCBX | BaaS Program Income
LIABILITIES
Revenue from contract with customer	3,900	3,200	7,500	5,700
Operating Segments
ASSETS
Cash and Due from Banks	275,060		275,060			342,139
Intrabank assets	0		0			0
Securities	110,730		110,730			98,353
Loans held for sale	35,923		35,923			0
Total loans receivable, post-adoption	3,007,553		3,007,553			2,627,256
Allowance for credit losses	(110,762)		(110,762)			(74,029)
Other assets	216,779		216,779			150,748
Total assets	3,535,283		3,535,283			3,144,467
LIABILITIES
Deposits	3,162,572		3,162,572			2,817,521
Other Borrowings	47,658		47,658			47,587
Intrabank liabilities	0		0			0
Other liabilities	52,391		52,391			35,865
Total liabilities	3,262,621		3,262,621			2,900,973
Net interest income, before intrabank transfer	62,350	39,886	116,841	69,154
Interest income (expense) intrabank transfer	0	0	0	0
PROVISION FOR CREDIT LOSSES - LOANS	52,598	14,094	96,142	27,036
(Recapture)/Provision for unfunded commitments	(345)	0	(192)	0
Noninterest income	58,595	25,492	107,902	47,478
Noninterest expense	51,910	38,169	96,573	68,584
Net income before income taxes	16,782	13,115	32,220	21,012
Income taxes	3,876	2,939	6,923	4,606
NET INCOME	12,906	10,176	25,297	16,406
Operating Segments | Community Bank
ASSETS
Cash and Due from Banks	4,382		4,382			4,603
Intrabank assets	0		0			0
Securities	0		0			0
Loans held for sale	0		0			0
Total loans receivable, post-adoption	1,713,034		1,713,034			1,614,752
Allowance for credit losses	(20,653)		(20,653)			(20,636)
Other assets	27,164		27,164			25,508
Total assets	1,723,927		1,723,927			1,624,227
LIABILITIES
Deposits	1,509,458		1,509,458			1,538,218
Other Borrowings	0		0			0
Intrabank liabilities	207,651		207,651			80,392
Other liabilities	6,818		6,818			5,617
Total liabilities	1,723,927		1,723,927			1,624,227
Net interest income, before intrabank transfer	22,904	18,568	44,582	35,773
Interest income (expense) intrabank transfer	(2,490)	303	(3,569)	431
PROVISION FOR CREDIT LOSSES - LOANS	(47)	108	381	452
(Recapture)/Provision for unfunded commitments	(340)	0	(203)	0
Noninterest income	1,613	1,355	2,704	2,912
Noninterest expense	9,592	7,721	18,685	15,367
Net income before income taxes	12,822	12,397	24,854	23,297
Income taxes	2,949	2,777	5,340	5,103
NET INCOME	9,873	9,620	19,514	18,194
Operating Segments | CCBX
ASSETS
Cash and Due from Banks	7,179		7,179			12,899
Intrabank assets	304,408		304,408			254,096
Securities	0		0			0
Loans held for sale	35,923		35,923			0
Total loans receivable, post-adoption	1,294,519		1,294,519			1,012,504
Allowance for credit losses	(90,109)		(90,109)			(53,393)
Other assets	131,260		131,260			76,111
Total assets	1,683,180		1,683,180			1,302,217
LIABILITIES
Deposits	1,653,114		1,653,114			1,279,303
Other Borrowings	0		0			0
Intrabank liabilities	0		0			0
Other liabilities	30,066		30,066			22,914
Total liabilities	1,683,180		1,683,180			1,302,217
Net interest income, before intrabank transfer	36,620	19,926	66,415	31,799
Interest income (expense) intrabank transfer	3,487	532	6,139	730
PROVISION FOR CREDIT LOSSES - LOANS	52,645	13,986	95,761	26,584
(Recapture)/Provision for unfunded commitments	(5)	0	11	0
Noninterest income	56,718	24,048	104,798	44,389
Noninterest expense	35,196	24,527	63,634	42,934
Net income before income taxes	8,989	5,993	17,946	7,400
Income taxes	2,089	1,344	3,856	1,626
NET INCOME	6,900	4,649	14,090	5,774
Operating Segments | Treasury & Administration
ASSETS
Cash and Due from Banks	263,499		263,499			324,637
Intrabank assets	(304,408)		(304,408)			(254,096)
Securities	110,730		110,730			98,353
Loans held for sale	0		0			0
Total loans receivable, post-adoption	0		0			0
Allowance for credit losses	0		0			0
Other assets	58,355		58,355			49,129
Total assets	128,176		128,176			218,023
LIABILITIES
Deposits	0		0			0
Other Borrowings	47,658		47,658			47,587
Intrabank liabilities	(207,651)		(207,651)			(80,392)
Other liabilities	15,507		15,507			7,334
Total liabilities	(144,486)		(144,486)			$ (25,471)
Net interest income, before intrabank transfer	2,826	1,392	5,844	1,582
Interest income (expense) intrabank transfer	(997)	(835)	(2,570)	(1,161)
PROVISION FOR CREDIT LOSSES - LOANS	0	0	0	0
(Recapture)/Provision for unfunded commitments	0	0	0	0
Noninterest income	264	89	400	177
Noninterest expense	7,122	5,921	14,254	10,283
Net income before income taxes	(5,029)	(5,275)	(10,580)	(9,685)
Income taxes	(1,162)	(1,182)	(2,273)	(2,123)
NET INCOME	$ (3,867)	$ (4,093)	$ (8,307)	$ (7,562)