Coastal Financial (CCB) 10-Q 9 May 24 2024 Q1 Quarterly report Financial data

Cover

Cover - shares	3 Months Ended
	Mar. 31, 2024	May 03, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
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	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		13,419,491
Entity Central Index Key	0001437958
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q1
Amendment Flag	false

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 32,790	$ 31,345
Interest earning deposits with other banks (restricted cash of $0 at March 31, 2024 and December 31, 2023)	482,338	451,783
Investment securities, available for sale, at fair value	41	99,504
Investment securities, held to maturity, at amortized cost	50,049	50,860
Other investments	10,583	10,227
Loans held for sale	797	0
Loans receivable	3,199,554	3,026,092
Allowance for credit losses	(139,258)	(116,958)
Total loans receivable, net	3,060,296	2,909,134
CCBX credit enhancement asset	137,276	107,921
CCBX receivable	10,369	9,088
Premises and equipment, net	22,995	22,090
Operating lease right-of-use assets	5,756	5,932
Accrued interest receivable	24,681	26,819
Bank-owned life insurance, net	12,991	12,870
Deferred tax asset, net	2,221	3,806
Other assets	12,075	11,987
Total assets	3,865,258	3,753,366
LIABILITIES
Deposits	3,462,979	3,360,363
Principal amount $45,000 (less unamortized debt issuance costs of $819 and $856) at March 31, 2024 and December 31, 2023, respectively	44,181	44,144
Principal amount $3,609 (less unamortized debt issuance costs of $19 at March 31, 2024 and December 31, 2023)	3,590	3,590
Deferred compensation	442	479
Accrued interest payable	1,061	892
Operating lease liabilities	5,946	6,124
CCBX payable	33,095	33,651
Other liabilities	10,255	9,145
Total liabilities	3,561,549	3,458,388
SHAREHOLDERS’ EQUITY
Authorized: 25,000,000 shares at March 31, 2024 and December 31, 2023; issued and outstanding: zero shares at March 31, 2024 and December 31, 2023	0	0
Authorized: 300,000,000 shares at March 31, 2024 and December 31, 2023; 13,407,320 shares at March 31, 2024 issued and outstanding and 13,304,339 shares at December 31, 2023 issued and outstanding	131,601	130,136
Retained earnings	172,110	165,311
Accumulated other comprehensive loss, net of tax	(2)	(469)
Total shareholders’ equity	303,709	294,978
Total liabilities and shareholders’ equity	$ 3,865,258	$ 3,753,366

CONDENSED CONSOLIDATED BALANC_2

CONDENSED CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
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
Common stock, shares, issued (in shares)	13,407,320	13,304,339
Common stock, shares, outstanding (in shares)	13,407,320	13,304,339
Subordinated Debt
Principal amount	$ 45,000	$ 45,000
Unamortized debt issuance cost	819	856
Junior Subordinated Debentures
Principal amount	3,609	3,609
Unamortized debt issuance cost	$ 19	$ 19

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
INTEREST AND DIVIDEND INCOME
Interest and fees on loans	$ 84,621	$ 66,431
Interest on interest earning deposits with other banks	4,780	3,097
Interest on investment securities	1,034	553
Dividends on other investments	37	30
Total interest income	90,472	70,111
INTEREST EXPENSE
Interest on deposits	28,867	14,958
Interest on borrowed funds	669	662
Total interest expense	29,536	15,620
Net interest income	60,936	54,491
PROVISION FOR CREDIT LOSSES	83,158	43,697
Net interest income/(expense) after provision for credit losses	(22,222)	10,794
NONINTEREST INCOME
Deposit service charges and fees	908	910
Loan referral fees	168	0
Gain on sales of loans, net	0	123
Unrealized gain (loss) on equity securities, net	15	39
Other income	308	299
Noninterest income, excluding BaaS program income and BaaS indemnification income	1,399	1,371
Total noninterest income	86,955	49,307
NONINTEREST EXPENSE
Salaries and employee benefits	17,984	15,575
Occupancy	1,518	1,219
Data processing and software licenses	2,892	1,840
Legal and professional expenses	3,672	3,062
Point of sale expense	869	753
Excise taxes	320	455
Federal Deposit Insurance Corporation ("FDIC") assessments	683	595
Director and staff expenses	400	626
Marketing	53	95
Other expense	1,867	890
Noninterest expense, excluding BaaS loan and BaaS fraud expense	30,258	25,110
BaaS loan and fraud expense	25,760	19,553
Total noninterest expense	56,018	44,663
Income before provision for income taxes	8,715	15,438
PROVISION FOR INCOME TAXES	1,915	3,047
NET INCOME	$ 6,800	$ 12,391
Basic earnings per common share (in usd per share)	$ 0.51	$ 0.94
Diluted earnings per common share (in usd per share)	$ 0.50	$ 0.91
Weighted average number of common shares outstanding:
Basic (in shares)	13,340,997	13,196,960
Diluted (in shares)	13,676,917	13,609,491
BaaS program income
NONINTEREST INCOME
Noninterest income	$ 4,825	$ 3,575
BaaS indemnification income
NONINTEREST INCOME
Noninterest income	80,731	44,361
Servicing and other BaaS fees | BaaS program income
NONINTEREST INCOME
Noninterest income	1,131	948
Transaction fees | BaaS program income
NONINTEREST INCOME
Noninterest income	1,122	917
Interchange fees | BaaS program income
NONINTEREST INCOME
Noninterest income	1,539	789
Reimbursement of expenses | BaaS program income
NONINTEREST INCOME
Noninterest income	1,033	921
BaaS credit enhancements | BaaS indemnification income
NONINTEREST INCOME
Noninterest income	79,808	42,362
BaaS fraud enhancements | BaaS indemnification income
NONINTEREST INCOME
Noninterest income	923	1,999
BaaS loan expense
NONINTEREST EXPENSE
BaaS loan and fraud expense	24,837	17,554
BaaS fraud expense
NONINTEREST EXPENSE
BaaS loan and fraud expense	$ 923	$ 1,999

CONDENSED CONSOLIDATED STATEM_2

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Statement of Comprehensive Income [Abstract]
NET INCOME	$ 6,800	$ 12,391
Securities available-for-sale
Unrealized holding income (loss) during the period	534	678
Income tax (expense) benefit related to unrealized holding gain/loss	(68)	(151)
OTHER COMPREHENSIVE INCOME (LOSS), net of tax	466	527
COMPREHENSIVE INCOME	$ 7,266	$ 12,918

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, 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	12,391			12,391
Vesting of restricted stock units (in shares)			42,402
Exercise of stock options (in shares)			77,984
Exercise of stock options	567		$ 567
Stock-based compensation	1,050		$ 1,050
Other comprehensive income (loss), net of tax	527					527
Ending balance (in shares) at Mar. 31, 2023			13,281,533
Ending balance at Mar. 31, 2023	258,763		$ 127,447	133,123		(1,807)
Beginning balance (in shares) at Dec. 31, 2023			13,304,339
Beginning balance at Dec. 31, 2023	294,978		$ 130,136	165,310		(468)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	6,800			6,800
Vesting of restricted stock units (in shares)			57,841
Exercise of stock options (in shares)			45,140
Exercise of stock options	285		$ 285
Stock-based compensation	1,180		$ 1,180
Other comprehensive income (loss), net of tax	466					466
Ending balance (in shares) at Mar. 31, 2024			13,407,320
Ending balance at Mar. 31, 2024	$ 303,709		$ 131,601	$ 172,110		$ (2)

CONDENSED CONSOLIDATED STATEM_4

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES
NET INCOME	$ 6,800	$ 12,391
Adjustments to reconcile net income to net cash provided by operating activities:
PROVISION FOR CREDIT LOSSES	83,158	43,697
Depreciation and amortization	882	466
Increase in operating lease right-of-use assets	196	206
Increase in operating lease liabilities	(198)	(212)
Gain on sales of loans	0	(123)
Net amortization (accretion) on investment securities	5	(6)
Unrealized holding (gain) loss on equity investment	(15)	(39)
Stock-based compensation	1,180	1,050
Increase in bank-owned life insurance value	(121)	(94)
Deferred tax benefit (expense)	1,517	(2,439)
Net change in CCBX receivable	(1,281)	(3,265)
Net change in CCBX credit enhancement asset	(29,355)	(18,553)
Net change in CCBX payable	(556)	10,375
Net change in other assets and liabilities	(312)	3,177
Total adjustments	55,100	34,240
Net cash provided by operating activities	61,900	46,631
CASH FLOWS FROM INVESTING ACTIVITIES
Change in other investments, net	(341)	(2,679)
Principal paydowns of investment securities available-for-sale	1	(752)
Principal paydowns of investment securities held-to-maturity	802	2
Maturities and calls of investment securities available-for-sale	100,000	9
Proceeds from sales of loans held for sale	100,492	74,050
Purchase of loans	(20,705)	(47,886)
Increase in loans receivable, net	(311,264)	(295,583)
Purchases of premises and equipment, net	(1,786)	(284)
Net cash used by investing activities	(132,801)	(273,123)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, money market, and savings	105,860	280,089
Net decrease in time deposits	(3,244)	(2,387)
Proceeds from exercise of stock options	285	567
Net cash provided by financing activities	102,901	278,269
NET CHANGE IN CASH, DUE FROM BANKS AND RESTRICTED CASH	32,000	51,777
CASH, DUE FROM BANKS AND RESTRICTED CASH, beginning of year	483,128	342,139
CASH, DUE FROM BANKS AND RESTRICTED CASH, end of quarter	515,128	393,916
SUPPLEMENTAL SCHEDULE OF OPERATING AND INVESTING ACTIVITIES
Interest paid	29,367	15,430
Income taxes paid	98	165
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Fair value adjustment of securities available-for-sale, gross	534	678
Operating lease right-of-use assets	20	69
Operating lease liabilities	(20)	(69)
Transfer from loans to loans held for sale	101,289	101,219
Adjustment to retained earnings - adoption of ASU 2016-13, net of deferred tax	(303,709)	(258,763)
Retained Earnings
CASH FLOWS FROM OPERATING ACTIVITIES
NET INCOME	6,800	12,391
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Adjustment to retained earnings - adoption of ASU 2016-13, net of deferred tax	$ (172,110)	$ (133,123)

Description of Business and Sum

Description of Business and Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2024
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. The Company operates through the Bank and is 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: The community bank, CCBX and treasury & administration. The community bank offers a full range of banking services to small and medium-sized businesses, professionals, and individuals throughout the greater Puget Sound region through its 14 branches in Snohomish, Island and King Counties, the Internet, and its mobile banking application. 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 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 (“FDIC”). The community bank’s loans and deposits are primarily within the greater Puget Sound region, 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 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 15, 2024. Operating results for the three months ended March 31, 2024 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. Subsequent Events - The Company has evaluated events and transactions subsequent to March 31, 2024 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	3 Months Ended
	Mar. 31, 2024
Accounting Standards Update and Change in Accounting Principle [Abstract]
Recent accounting standards	Recent accounting standards Recent Accounting Guidance In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures, to provide financial statement users with more disaggregated expense information about a public entity’s reportable segments. The ASU addresses the concern that more segment information is needed, including allowing the disclosure of multiple measures of segment profit or loss, requiring the disclosure of significant segment expenses, and requiring the qualitative disclosure of other segment items.This ASU is effective for all entities for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024.We are currently evaluating the impact of this ASU on our reporting.

Investment Securities

Investment Securities	3 Months Ended
	Mar. 31, 2024
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) March 31, 2024 Available-for-sale U.S. Treasury securities $ — $ — $ — $ — $ — U.S. Agency collateralized 44 — (3) 41 — Municipal bonds — — — — — Total available-for-sale 44 — (3) 41 — Held-to-maturity U.S. Agency residential 50,049 223 (522) 49,750 — Total investment securities $ 50,093 $ 223 $ (525) $ 49,791 $ — Amortized Gross Gross Fair Allowance for Credit Losses (dollars in thousands; unaudited) December 31, 2023 Available-for-sale U.S. Treasury securities $ 99,996 $ — $ (535) $ 99,461 $ — U.S. Agency collateralized 45 — (2) 43 — Total available-for-sale 100,041 — (537) 99,504 — Held-to-maturity U.S. Agency residential 50,860 467 (286) 51,041 — Total investment securities $ 150,901 $ 467 $ (823) $ 150,545 $ — Accrued interest on available-for-sale securities was less than $1,000 and $187,000 at March 31, 2024 and December 31, 2023, respectively, accrued interest on held-to-maturity securities was $230,000 and $14,000 at March 31, 2024 and December 31, 2023, 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 March 31, 2024, 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) March 31, 2024 Amounts maturing in One year or less $ — $ — $ — $ — — — — — U.S. Agency residential mortgage-backed securities and collateralized mortgage obligations 44 41 50,049 49,750 $ 44 $ 41 $ 50,049 $ 49,750 Investments in debt securities with an amortized cost of $21.5 million at March 31, 2024 and $21.8 million as of December 31, 2023, were pledged to secure public deposits and for other purposes as required or permitted by law and an additional $24.5 million and $25.0 million in securities were pledged for borrowing lines at March 31, 2024 and December 31, 2023, respectively. During the three months ended March 31, 2024, two securities matured. During the three months ended March 31, 2024, no securities were purchased. There were no sales of securities during the three months ended March 31, 2024 or 2023. There were thirteen securities with a $525,000 unrealized loss as of March 31, 2024. There were nine securities in an unrealized loss position as of December 31, 2023. 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) March 31, 2024 Available-for-sale U.S. Treasury securities $ — $ — $ — $ — $ — $ — U.S. Agency collateralized mortgage obligations — — 41 3 41 3 Total available-for-sale securities — — 41 3 41 3 Held-to-maturity U.S. Agency residential mortgage-backed securities 19,713 70 11,718 452 31,431 522 Total investment securities $ 19,713 $ 70 $ 11,759 $ 455 $ 31,472 $ 525 Management has evaluated the above securities and does not believe that any individual unrealized loss as of March 31, 2024, will be recognized into income. Unrealized losses have not been recognized into income because management does not intend to sell and does not expect it will be required to sell the investments. The decline is largely due to changes in market conditions and interest rates, rather than credit quality. The fair value is expected to recover as the underlying securities in the portfolio approach maturity date and market conditions improve. Management believes there is a high probability of collecting all contractual amounts due, because the majority of the securities in the portfolio are backed by government agencies or government sponsored enterprises. However, a recovery in value may not occur for some time, if at all, and may be delayed for greater than the one year time horizon or perhaps even until maturity. Based on management's analysis no allowance for credit losses was required on these securities.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2024
Receivables [Abstract]
Loans and Allowance for Credit Losses	Loans and Allowance for Credit Losses During the quarter ended March 31, 2024, $101.3 million in CCBX loans were transferred to loans held for sale, with $100.5 million in loans sold. The Company sells CCBX loans to manage loan portfolio size by partner and by loan category, with such limits established and documented in the relevant partner agreement. As of March 31, 2024 there were $797,000 loans held for sale and no loans were held for sale as of December 31, 2023. The composition of the loan portfolio is as follows as of the periods indicated: March 31, December 31, 2024 2023 (dollars in thousands; unaudited) Community Bank Commercial and industrial loans $ 154,395 $ 149,502 Real estate loans: Construction, land and land development loans 160,862 157,100 Residential real estate loans 231,157 225,391 Commercial real estate loans 1,342,489 1,303,533 Consumer and other loans: Other consumer and other loans 1,447 1,628 Gross Community Bank loans receivable 1,890,350 1,837,154 CCBX Commercial and industrial loans: Capital call lines $ 135,671 $ 87,494 All other commercial & industrial loans 47,160 54,298 Real estate loans: Residential real estate loans 265,148 238,035 Consumer and other loans: Credit cards 505,706 505,837 Other consumer and other loans 362,981 310,574 Gross CCBX loans receivable 1,316,666 1,196,238 Total gross loans receivable 3,207,016 3,033,392 Net deferred origination fees and premiums (7,462) (7,300) Loans receivable $ 3,199,554 $ 3,026,092 Accrued interest on loans, which is excluded from the balances in the preceding table of loans receivable, was $23.7 million and $25.6 million at March 31, 2024 and December 31, 2023, respectively, and was included in accrued interest receivable on the Company's consolidated balance sheets. Included in commercial and industrial loans as of March 31, 2024 and December 31, 2023, is $135.7 million and $87.5 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 by the Bank on every line/loan. Also included in commercial and industrial loans are Paycheck Protection Program (“PPP”) loans of $2.9 million at March 31, 2024 and $3.0 million at December 31, 2023. PPP loans are 100% guaranteed by the Small Business Administration (“SBA”). Consumer and other loans includes overdrafts of $1.3 million and $2.8 million at March 31, 2024 and December 31, 2023, respectively. Community bank overdrafts were $17,000 and $255,000 at March 31, 2024 and December 31, 2023, respectively and CCBX overdrafts were $1.3 million and $2.5 million at March 31, 2024 and December 31, 2023. The Company has pledged loans totaling $985.6 million at March 31, 2024 and $1.01 billion at December 31, 2023, for borrowing lines at the FHLB and FRB. Additional loans were pledged during the first six months of 2023 and continues to be pledged to increase and maintain the borrowing capacity of the Bank in the event of a liquidity crisis. The balance of SBA and United States Department of Agriculture ("USDA") loans and participations sold and serviced for others totaled $7.4 million and $8.7 million at March 31, 2024 and December 31, 2023, respectively. The gross balance of Main Street Lending Program (“MSLP”) loans participated and serviced for others, totaled $53.4 million at March 31, 2024 and December 31, 2023, with $2.8 million in MSLP loans on the balance sheet and included in commercial and industrial loans at March 31, 2024 and December 31, 2023. Servicing is retained on the gross balance. The Company, through the community bank, at times purchases individual loans at fair value as of the acquisition date. The Company held purchased loans with remaining balances that totaled $8.1 million as of March 31, 2024 and December 31, 2023. Unamortized premiums on these loans totaled $152,000 and $154,000 as of March 31, 2024 and December 31, 2023, respectively, and are amortized into interest income over the life of the loans. The Company, through the community bank, has purchased participation loans with remaining balances totaling $51.3 million and $53.5 million as of March 31, 2024 and December 31, 2023, 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, through the community bank, purchased loans from CCBX partners, at par, through agreements with those CCBX partners, and those loans had a remaining balance of $56.0 million as of March 31, 2024 and $46.5 million as of December 31, 2023. As of March 31, 2024, $50.7 million is included in consumer and other loans and $5.3 million is included in commercial and industrial loans, compared to $40.2 million in consumer and other loans and $6.3 million in commercial and industrial loans as of December 31, 2023. 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 $47.2 million in unsecured CCBX partner loans. Loan types include revolving lines of credit, term loans, PPP 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. Additionally, the Company issues letters of credit on behalf of its customers. 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 March 31, 2024, $135.7 million in outstanding CCBX capital call lines are included in commercial and industrial loans compared to $87.5 million at December 31, 2023. 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 March 31, 2024, $265.1 million in loans originated through CCBX partners are included in residential real estate loans, compared to $238.0 million at December 31, 2023. 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 totaling $386.7 million that are collateralized by owner-occupied real-estate and $575.6 million that are collateralized by non-owner-occupied real estate, as well as $369.4 million of multi-family residential loans and $10.9 million of farmland loans, as of March 31, 2024. 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 March 31, 2024, $868.7 million in CCBX loans are included in consumer and other loans compared to $816.4 million at December 31, 2023. Not included in this category is $265.1 million and $238.0 million as of March 31, 2024 and December 31, 2023, respectively, in home equity lines of credit that are secured by residential real estate and are accessed by using a credit card. These credit card accessed home equity lines of credit are classified as residential real estate per regulatory guidelines. 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) March 31, 2024 Community Bank Commercial and industrial $ — $ 1,445 $ 1,445 $ 152,950 $ 154,395 $ 1,445 Real estate loans: Construction, land and land development — — — 160,862 160,862 — Residential real estate 1,086 44 1,130 230,027 231,157 — Commercial real estate — 7,731 7,731 1,334,758 1,342,489 — Consumer and other loans 3 — 3 1,444 1,447 — Total community bank $ 1,089 $ 9,220 $ 10,309 $ 1,880,041 $ 1,890,350 $ 1,445 CCBX Commercial and industrial loans: Capital call lines $ — $ — $ — $ 135,671 $ 135,671 $ — All other commercial & industrial loans 3,069 1,793 4,862 42,298 47,160 1,793 Real estate loans: Residential real 3,079 1,796 4,875 $ 260,273 $ 265,148 1,796 Consumer and other loans: Credit cards 27,983 37,603 65,586 $ 440,120 $ 505,706 37,603 Other consumer and 23,400 5,731 29,131 333,850 362,981 5,731 Total CCBX $ 57,531 $ 46,923 $ 104,454 $ 1,212,212 $ 1,316,666 $ 46,923 Total Consolidated $ 58,620 $ 56,143 $ 114,763 $ 3,092,253 3,207,016 $ 48,368 Less net deferred origination fees and premiums (7,462) Loans receivable $ 3,199,554 30-89 90 Days Total Current Total 90 Days or (dollars in thousands; unaudited) December 31, 2023 Community Bank Commercial and industrial $ — $ — $ — $ 149,502 $ 149,502 $ — Real estate loans: Construction, land and land development — — — 157,100 157,100 — Residential real estate 44 — 44 225,347 225,391 — Commercial real estate — 7,145 7,145 1,296,388 1,303,533 — Consumer and other loans 2 — 2 1,626 1,628 — Total community bank $ 46 $ 7,145 $ 7,191 $ 1,829,963 $ 1,837,154 $ — CCBX Commercial and industrial loans: Capital call lines $ — $ — $ — $ 87,494 $ 87,494 $ — All other commercial & industrial loans 3,433 2,086 5,519 48,779 54,298 2,086 Real estate loans: Residential real 3,198 1,115 4,313 $ 233,722 $ 238,035 $ 1,115 Consumer and other loans: Credit cards 28,383 34,835 63,218 $ 442,619 $ 505,837 $ 34,835 Other consumer and 29,645 8,488 38,133 $ 272,441 $ 310,574 $ 8,488 Total CCBX 64,659 46,524 111,183 1,085,055 1,196,238 46,524 Total Consolidated 64,705 53,669 118,374 2,915,018 3,033,392 46,524 Less net deferred origination fees and premiums (7,300) Loans receivable $ 3,026,092 There were $48.4 million in loans past due 90 days or more and still accruing interest as of March 31, 2024, and $46.5 million as of December 31, 2023. This is attributed to loans originated through CCBX lending partners which continue to accrue interest up to 180 days past due. As of March 31, 2024 and December 31, 2023, $44.3 million 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: March 31, December 31, 2024 2023 Total Nonaccrual Nonaccrual with No ACL Nonaccrual with Total Nonaccrual Nonaccrual with No ACL (dollars in thousands; unaudited) Community Bank Commercial and industrial loans $ — $ — $ — $ — $ — Real estate loans: Construction, land and land — — — — — Residential real estate 212 212 — 170 170 Commercial real estate 7,731 830 6,901 7,145 7,145 Consumer and other loans — — — — — Total nonaccrual loans $ 7,943 $ 1,042 $ 6,901 $ 7,315 $ 7,315 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 community bank borrowers experiencing financial difficulty in the three months ended March 31, 2024 and 2023. The following table presents the CCBX loans at March 31, 2024 that were both experiencing financial difficulty and were modified during the twelve months prior to March 31, 2024 by class and by type of modification. The percentage of the loans that were modified to borrowers in financial distress as compared to the total of each class of loans is also presented below. Term Extension Interest Rate Reduction Principal Forgiveness & Payment Delay Principal Forgiveness, Payment Delay & Term Extension Total Total Class of Financing Receivable (dollars in thousands; unaudited) CCBX Commercial and industrial loans: All other commercial & industrial loans $ 1,314 $ — $ 260 $ 47 $ 1,621 3.44 % Consumer and other loans: Credit cards — 7,063 — — 7,063 1.40 Other consumer and other loans 10,055 — 7,463 5,041 22,559 6.21 Total $ 11,369 $ 7,063 $ 7,723 $ 5,088 $ 31,243 0.98 % The Company has committed to lend additional amounts totaling $589,000 to the borrowers included in the table above. The performance of loans modified is monitored to understand the effectiveness of the modification efforts. The following table presents the performance of such loans that have been modified in the last 12 months: 30-89 90 Days Total Past Due (dollars in thousands; unaudited) CCBX Commercial and industrial loans: All other commercial & industrial loans $ 242 $ 97 $ 339 Consumer and other loans: Credit cards 1,512 2,069 3,581 Other consumer and other loans 2,283 711 2,994 Total CCBX $ 4,037 $ 2,877 $ 6,914 The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the preceding 12 months ended March 31, 2024: Principal Forgiveness Weighted Average Interest Rate Reduction Weighted Average Term Extension (years) (dollars in thousands; unaudited) CCBX Commercial and industrial loans: All other commercial & industrial loans $ — — % 0.95 Real estate loans: Residential real estate loans 42 — n/a Consumer and other loans: Credit cards — 18.0 n/a Other consumer and other loans — — 0.97 Total CCBX $ 42 18.0 % 0.97 The following table presents the total of loans that had a payment default during the preceding 12 months ended March 31, 2024 and which were modified for borrowers experiencing financial difficulty in the twelve months prior to that default. Term Extension Interest Rate Reduction Principal Forgiveness & Payment Delay Principal Forgiveness, Payment Delay & Term Extension Total (dollars in thousands; unaudited) CCBX Commercial and industrial loans: All other commercial & industrial loans $ 777 $ — $ 189 $ 11 $ 977 Consumer and other loans: Credit cards — 5,291 — — 5,291 Other consumer and other loans 5,579 — 4,210 3,057 12,846 Total $ 6,356 $ 5,291 $ 4,399 $ 3,068 $ 19,114 Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged-off against the allowance for credit losses. Therefore, the loan balance is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount. 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. The following tables show the risk category of community bank loans by year of origination for the periods indicated, based on the most recent analysis performed as of each period end: Term Loans Amortized Cost Basis by Origination Year Community Bank 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of March 31, 2024 Commercial and industrial loans Risk rating Pass $ 5,867 $ 14,062 $ 55,194 $ 14,970 $ 9,580 $ 13,338 $ 36,764 $ 856 $ 150,631 Other Loan Especially Mentioned — — — — 105 — 3,659 — 3,764 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total commercial and industrial $ 5,867 $ 14,062 $ 55,194 $ 14,970 $ 9,685 $ 13,338 $ 40,423 $ 856 $ 154,395 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Real estate loans - Risk rating Pass $ 2,537 $ 99,547 $ 39,591 $ 14,757 $ 772 $ 2,239 $ 360 $ — $ 159,803 Other Loan Especially Mentioned — — — 459 — — 600 — 1,059 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total real estate loans - $ 2,537 $ 99,547 $ 39,591 $ 15,216 $ 772 $ 2,239 $ 960 $ — $ 160,862 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year Community Bank 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of March 31, 2024 Real estate loans - Risk rating Pass $ 6,802 $ 32,483 $ 41,545 $ 38,889 $ 29,091 $ 53,905 $ 24,795 $ 17 $ 227,527 Other Loan Especially Mentioned — — 1,094 2,013 22 39 250 — 3,418 Substandard — — — — — — 44 168 212 Doubtful — — — — — — — — — Total real estate loans - 6,802 32,483 42,639 40,902 29,113 53,944 25,089 185 231,157 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Real estate loans - Risk rating Pass $ 56,325 $ 241,523 $ 301,683 $ 223,012 $ 140,329 $ 348,428 $ 8,138 $ 1,704 $ 1,321,142 Other Loan Especially Mentioned — — 3,239 5,733 168 4,306 170 — 13,616 Substandard — — — — 830 6,901 — — 7,731 Doubtful — — — — — — — — — Total real estate loans - $ 56,325 $ 241,523 $ 304,922 $ 228,745 $ 141,327 $ 359,635 $ 8,308 $ 1,704 $ 1,342,489 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year Community Bank 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of March 31, 2024 Consumer and other loans - Risk rating Pass $ 93 $ 64 $ 239 $ 5 $ 670 $ 185 $ 191 $ — $ 1,447 Other Loan Especially Mentioned — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total consumer and other $ 93 $ 64 $ 239 $ 5 $ 670 $ 185 $ 191 $ — $ 1,447 Current period gross charge-offs $ 15 $ — $ — $ — $ — $ — $ — $ — $ 15 Total community bank loans receivable Risk rating Pass $ 71,624 $ 387,679 $ 438,252 $ 291,633 $ 180,442 $ 418,095 $ 70,248 $ 2,577 $ 1,860,550 Other Loan Especially Mentioned — — 4,333 8,205 295 4,345 4,679 — 21,857 Substandard — — — — 830 6,901 44 168 7,943 Doubtful — — — — — — — — — Total community bank loans $ 71,624 $ 387,679 $ 442,585 $ 299,838 $ 181,567 $ 429,341 $ 74,971 $ 2,745 $ 1,890,350 Current period gross charge-offs $ 15 $ — $ — $ — $ — $ — $ — $ — $ 15 Term Loans Amortized Cost Basis by Origination Year Community Bank 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of December 31, 2023 Commercial and industrial loans Risk rating Pass $ 15,882 $ 56,428 $ 15,566 $ 10,044 $ 12,429 $ 1,442 $ 33,412 $ 1,020 $ 146,223 Other Loan Especially Mentioned — — — 111 — — 3,168 — 3,279 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total commercial and industrial $ 15,882 $ 56,428 $ 15,566 $ 10,155 $ 12,429 $ 1,442 $ 36,580 $ 1,020 $ 149,502 Current period gross charge-offs $ — $ — $ — $ — $ — $ 46 $ — $ — $ 46 Real estate loans - Risk rating Pass $ 75,129 $ 49,275 $ 20,811 $ 2,859 $ 914 $ 1,598 $ — $ — $ 150,586 Other Loan Especially Mentioned — — 3,589 2,325 — — — — 5,914 Substandard — — — — — — 600 — 600 Doubtful — — — — — — — — — Total real estate loans - $ 75,129 $ 49,275 $ 24,400 $ 5,184 $ 914 $ 1,598 $ 600 $ — $ 157,100 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year Community Bank 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of December 31, 2023 Real estate loans - Risk rating Pass $ 32,352 $ 41,362 $ 39,137 $ 30,259 $ 31,982 $ 22,429 $ 24,396 $ 18 $ 221,935 Other Loan Especially Mentioned — 1,098 2,020 28 — 40 100 — 3,286 Substandard — — — — — — — 170 170 Doubtful — — — — — — — — — Total real estate loans - $ 32,352 $ 42,460 $ 41,157 $ 30,287 $ 31,982 $ 22,469 $ 24,496 $ 188 $ 225,391 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Real estate loans - Risk rating Pass $ 244,169 $ 303,329 $ 222,287 $ 144,602 $ 126,437 $ 233,482 $ 7,509 $ 1,719 $ 1,283,534 Other Loan Especially Mentioned — 3,257 5,891 171 506 2,099 100 — 12,024 Substandard — — — 924 6,900 — 151 — 7,975 Doubtful — — — — — — — — — Total real estate loans - $ 244,169 $ 306,586 $ 228,178 $ 145,697 $ 133,843 $ 235,581 $ 7,760 $ 1,719 $ 1,303,533 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year Community Bank 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of December 31, 2023 Consumer and other loans - Risk rating Pass $ 323 $ 272 $ 5 $ 679 $ 38 $ 164 $ 147 $ — $ 1,628 Other Loan Especially Mentioned — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total consumer and other $ 323 $ 272 $ 5 $ 679 $ 38 $ 164 $ 147 $ — $ 1,628 Current period gross charge-offs $ 18 $ — $ — $ — $ — $ — $ — $ — $ 18 Total community bank loans receivable Risk rating Pass $ 367,855 $ 450,666 $ 297,806 $ 188,443 $ 171,800 $ 259,115 $ 65,464 $ 2,757 $ 1,803,906 Other Loan Especially Mentioned — 4,355 11,500 2,635 506 2,139 3,368 — 24,503 Substandard — — — 924 6,900 — 751 170 8,745 Doubtful — — — — — — — — — Total community bank loans $ 367,855 $ 455,021 $ 309,306 $ 192,002 $ 179,206 $ 261,254 $ 69,583 $ 2,927 $ 1,837,154 Current period gross charge-offs $ 18 $ — $ — $ — $ — $ 46 $ — $ — $ 64 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 tables present the loans in CCBX based on payment activity for the periods indicated: Term Loans Amortized Cost Basis by Origination Year CCBX 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of March 31, 2024 Commercial and industrial loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 135,671 $ — $ 135,671 Nonperforming — — — — — — — — — Total commercial and industrial $ — $ — $ — $ — $ — $ — $ 135,671 $ — $ 135,671 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial and industrial loans - Payment performance Performing $ — $ 36,254 $ 5,867 $ 9 $ 10 $ — $ 3,227 $ — $ 45,367 Nonperforming — 1,185 162 — — — 446 — 1,793 Total commercial and industrial $ — $ 37,439 $ 6,029 $ 9 $ 10 $ — $ 3,673 $ — $ 47,160 Current period gross charge-offs $ 46 $ 3,770 $ 683 $ — $ — $ — $ 198 $ — $ 4,697 Real estate loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 242,333 $ 21,019 $ 263,352 Nonperforming — — — — — — 1,796 — 1,796 Total real estate loans - $ — $ — $ — $ — $ — $ — $ 244,129 $ 21,019 $ 265,148 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ 1,143 $ — $ 1,143 Term Loans Amortized Cost Basis by Origination Year CCBX 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of March 31, 2024 Consumer and other loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 468,038 $ 65 $ 468,103 Nonperforming — — — — — — 37,603 — 37,603 Total consumer and other $ — $ — $ — $ — $ — $ — $ 505,641 $ 65 $ 505,706 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ 31,705 $ — $ 31,705 Consumer and other loans - Payment performance Performing $ 111,255 $ 178,701 $ 40,740 $ 5,149 $ 91 $ 574 $ 20,740 $ — $ 357,250 Nonperforming — 3,062 1,545 421 — 23 680 — 5,731 Total consumer and other $ 111,255 $ 181,763 $ 42,285 $ 5,570 $ 91 $ 597 $ 21,420 $ — $ 362,981 Current period gross charge-offs $ 485 $ 11,542 $ 6,296 $ 1,594 $ 2 $ 71 $ 1,444 $ — $ 21,434 Total CCBX loans receivable Payment performance Performing $ 111,255 $ 214,955 $ 46,607 $ 5,158 $ 101 $ 574 $ 870,009 $ 21,084 $ 1,269,743 Nonperforming — 4,247 1,707 421 — 23 40,525 — 46,923 Total CCBX loans $ 111,255 $ 219,202 $ 48,314 $ 5,579 $ 101 $ 597 $ 910,534 $ 21,084 $ 1,316,666 Current period gross charge-offs $ 531 $ 15,312 $ 6,979 $ 1,594 $ 2 $ 71 $ 34,490 $ — $ 58,979 Term Loans Amortized Cost Basis by Origination Year CCBX 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of December 31, 2023 Commercial and industrial loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 87,494 $ — $ 87,494 Nonperforming — — — — — — — — — Total commercial and industrial $ — $ — $ — $ — $ — $ — $ 87,494 $ — $ 87,494 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial and industrial loans - Payment performance Performing $ 42,267 $ 6,835 $ 9 $ 11 $ — $ — $ 3,090 $ — $ 52,212 Nonperforming 1,333 277 —

Deposits

Deposits	3 Months Ended
	Mar. 31, 2024
Deposits [Abstract]
Deposits	Deposits The composition of consolidated deposits consisted of the following at the periods indicated: March 31, December 31, (dollars in thousands; unaudited) Demand, noninterest bearing $ 574,112 $ 625,202 Interest bearing demand and money market 2,799,667 2,640,240 Savings 74,085 76,562 Total core deposits 3,447,864 3,342,004 Brokered deposits 1 1 Time deposits less than $250,000 11,837 13,917 Time deposits $250,000 and over 3,277 4,441 Total deposits $ 3,462,979 $ 3,360,363 The following table presents the maturity distribution of time deposits as of March 31, 2024: (dollars in thousands; unaudited) As of March 31, 2024 Twelve months $ 10,721 One to two years 2,825 Two to three years 705 Three to four years 625 Four to five years 238 Thereafter — $ 15,114

Leases

Leases	3 Months Ended
	Mar. 31, 2024
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 March 31, 2024 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 March 31, 2024, lease expiration dates ranged from 8 months to 20.9 years, with additional renewal options on certain leases typically ranging from 1 to 10 years. At March 31, 2024, 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 9.3 years. Rental expense for operating leases is recognized on a straight-line basis over the lease term and amounted to $299,000 for the three months ended March 31, 2024, and $358,000 for the three months ended March 31, 2023. 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 March 31, 2024: (dollars in thousands; unaudited) March 31, April 1 to December 31, 2024 $ 775 2026 977 2027 977 2028 913 2029 692 2029 and thereafter 2,763 Total lease payments 7,097 Less: amounts representing interest 1,151 Present value of lease liabilities $ 5,946 The following table presents the components of total lease expense and operating cash flows for the three months ended March 31, 2024 and 2023: Three Months Ended March 31, March 31, (dollars in thousands; unaudited) Lease expense: Operating lease expense $ 255 $ 321 Variable lease expense 67 52 Total lease expense (1) $ 322 $ 373 Cash paid: Cash paid reducing operating lease liabilities $ 325 $ 379 (1) Included in net occupancy expense in the Condensed Consolidated Statements of Income (unaudited).

Stock-Based Compensation

Stock-Based Compensation	3 Months Ended
	Mar. 31, 2024
Share-Based Payment Arrangement [Abstract]
Stock-Based Compensation	Stock-Based Compensation Stock Options and Restricted Stock The 2018 Coastal Financial Corporation Omnibus Plan (the "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 366,465 at March 31, 2024. 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 three months ended March 31, 2024 and 2023. A summary of stock option activity under the 2018 Plan and 2006 Plan during the three months ended March 31, 2024: Options Number of Shares Weighted- Weighted- Aggregate (dollars in thousands, except per share amounts; unaudited) Outstanding at December 31, 2023 354,969 $ 9.11 3.3 $ 12,531 Granted — — Exercised (45,140) 7.98 $ 1,394 Expired — — Forfeited (760) 10.02 Outstanding at March 31, 2024 309,069 $ 9.27 3.2 $ 9,148 Vested or expected to vest at March 31, 2024 309,069 $ 9.27 3.2 $ 9,148 Exercisable at March 31, 2024 182,611 $ 8.92 2.9 $ 5,469 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 months ended March 31, 2024 was $1.4 million. The total or aggregate intrinsic value of options exercised during the three months ended March 31, 2023 was $2.3 million. As of March 31, 2024, there was $686,000 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 3.2 years. Compensation expense recorded related to stock options was $114,000 for the three months ended March 31, 2024 and $140,000 for the three months ended March 31, 2023. Restricted Stock Units In the first quarter of 2024, the Company granted 76,473 restricted stock units ("RSUs") under the 2018 Plan to employees, which vest ratably over 4 years and 3,174 RSUs 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 March 31, 2024, there was $10.9 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 4.7 years. Compensation expense recorded related to RSUs was $945,000 for the three months ended March 31, 2024 and $812,000 for the three months ended March 31, 2023. A summary of the Company’s nonvested RSUs at March 31, 2024 and changes during the three month period is presented below: Nonvested shares - RSUs Number of Shares Weighted- (dollars in thousands, except per share amounts; unaudited) Nonvested shares at December 31, 2023 409,271 $ 31.22 Granted 79,647 $ 38.06 Forfeited or expired (12,168) $ 36.40 Vested (57,841) $ 33.36 Nonvested shares at March 31, 2024 418,909 $ 32.07 Restricted Stock Awards Employees There were no new restricted stock awards granted in the three months ended March 31, 2024. 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 March 31, 2024, there was $34,000 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 3.8 years. Compensation expense recorded related to restricted stock awards was $2,000 for the three months ended March 31, 2024 and March 31, 2023. 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 all other committee 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 March 31, 2024, there was $76,000 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 0.2 years. Director compensation expense recorded related to the 2018 Plan totaled $118,000 for the three months ended March 31, 2024 and $96,000 for the three months ended March 31, 2023. A summary of the Company’s nonvested shares at March 31, 2024 and changes during the three-month period is presented below: Nonvested shares - RSAs Number of Shares Weighted- (dollars in thousands, except per share amounts; unaudited) Nonvested shares at December 31, 2023 16,038 $ 32.41 Granted — $ — Forfeited — $ — Vested (500) $ 17.81 Nonvested shares at March 31, 2024 15,538 $ 32.88

Fair Value Measurements

Fair Value Measurements	3 Months Ended
	Mar. 31, 2024
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: March 31, 2024 Fair Value Measurements Using Carrying Estimated Level 1 Level 2 Level 3 (dollars in thousands; unaudited) Financial assets Cash and due from banks $ 32,790 $ 32,790 $ 32,790 $ — $ — Interest earning deposits with other banks 482,338 482,338 482,338 — — Investment securities 50,090 49,791 — 49,791 — Other investments 10,583 10,583 — 7,961 2,622 Loans receivable 3,199,554 3,102,679 — — 3,102,679 Accrued interest receivable 24,681 24,681 — 24,681 — Financial liabilities Deposits $ 3,462,979 3,462,458 $ — $ 3,462,458 $ — Subordinated debt 44,181 43,572 — 43,572 — Junior subordinated debentures 3,590 3,498 — 3,498 — Accrued interest payable 1,061 1,061 — 1,061 — December 31, 2023 Fair Value Measurements Using Carrying Estimated Level 1 Level 2 Level 3 (dollars in thousands; unaudited) Financial assets Cash and due from banks $ 31,345 $ 31,345 $ 31,345 $ — $ — Interest earning deposits with other banks 451,783 451,783 451,783 — — Investment securities 150,364 150,545 99,461 51,084 — Other investments 10,227 10,227 — 7,605 2,622 Loans receivable, net 3,026,092 2,936,917 — — 2,936,917 Accrued interest receivable 26,819 26,819 — 26,819 — Financial liabilities Deposits $ 3,360,363 $ 3,359,867 $ — $ 3,359,867 $ — Subordinated debt 44,144 43,908 — 43,908 — Junior subordinated debentures 3,590 3,491 — 3,491 — Accrued interest payable 892 892 — 892 — 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) March 31, 2024 Available-for-sale U.S. Treasury securities $ — $ — $ — $ — U.S. Agency collateralized mortgage obligations — 41 — 41 Municipals — — — — $ — $ 41 $ — $ 41 December 31, 2023 Available-for-sale U.S. Treasury securities $ 99,461 $ — $ — $ 99,461 U.S. Agency collateralized mortgage obligations — 43 — 43 U.S. Agency residential mortgage-backed securities — — — — Municipals — — — — $ 99,461 $ 43 $ — $ 99,504 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 March 31, 2024 and December 31, 2023. 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) March 31, 2024 Collateral dependent loans $ — $ — $ 6,847 $ 6,847 Equity securities $ — $ — $ 2,622 $ 2,622 Total $ — $ — $ 9,469 $ 9,469 December 31, 2023 Collateral dependent loans $ — $ — $ 7,315 $ 7,315 Equity securities — — 2,622 2,622 Total $ — $ — $ 9,937 $ 9,937 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 March 31, 2024, 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. • As of March 31, 2024 and December 31, 2023, we had a $2.2 million equity interest in a specialized bank technology company. • We had a $350,000 equity interest in a technology company as of March 31, 2024 and December 31, 2023. • We had a $50,000 equity interest in an additional technology company as of March 31, 2024 and December 31, 2023. For the Three Months Ended (dollars in thousands; unaudited) 2024 2023 Carrying value, beginning of period $ 2,622 $ 2,572 Purchases — — Observable price change — — Carrying value, end of period $ 2,622 $ 2,572 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 March 31, 2024 Weighted Average Rate December 31, 2023 Weighted Average Rate Collateral dependent loans Collateral valuations Discount to appraised value 8.1% 8.0%

Earnings Per Common Share

Earnings Per Common Share	3 Months Ended
	Mar. 31, 2024
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 March 31, 2024 March 31, 2023 (dollars in thousands, except earnings per share data; unaudited) Net Income $ 6,800 $ 12,391 Basic weighted average number common shares outstanding 13,340,997 13,196,960 Dilutive effect of equity-based awards 335,920 412,531 Diluted weighted average number common shares outstanding 13,676,917 13,609,491 Basic earnings per share $ 0.51 $ 0.94 Diluted earnings per share $ 0.50 $ 0.91 Antidilutive stock options and restricted stock outstanding 153,659 124,714 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	3 Months Ended
	Mar. 31, 2024
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 21 partners as of March 31, 2024. 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: March 31, 2024 December 31, 2023 Community Bank CCBX Treasury & Administration Consolidated Community Bank CCBX Treasury & Administration Consolidated Assets (dollars in thousands; unaudited) Cash and Due from Banks $ 4,711 $ 10,358 $ 500,059 $ 515,128 $ 4,702 $ 9,601 $ 468,825 $ 483,128 Intrabank assets — 690,310 (690,310) — — 653,178 (653,178) — Securities — — 50,090 50,090 — — 150,364 150,364 Loans held for sale — 797 — 797 — — — — Total loans receivable 1,883,282 1,316,272 — 3,199,554 1,830,154 1,195,938 — 3,026,092 Allowance for credit losses (21,384) (117,874) — (139,258) (21,595) (95,363) — (116,958) All other assets 29,643 165,796 43,508 238,947 30,169 136,931 43,640 210,740 Total assets $ 1,896,252 $ 2,065,659 $ (96,653) $ 3,865,258 $ 1,843,430 $ 1,900,285 $ 9,651 $ 3,753,366 Liabilities Total deposits $ 1,434,030 $ 2,028,949 $ — $ 3,462,979 $ 1,497,601 $ 1,862,762 $ — $ 3,360,363 Total borrowings — — 47,771 47,771 — — 47,734 47,734 Intrabank liabilities 452,861 — (452,861) — 338,614 — (338,614) — All other liabilities 9,361 36,710 4,728 50,799 7,215 37,523 5,553 50,291 Total liabilities $ 1,896,252 $ 2,065,659 $ (400,362) $ 3,561,549 $ 1,843,430 $ 1,900,285 $ (285,327) $ 3,458,388 Three months ended March 31, 2024 Three months ended March 31, 2023 Community Bank CCBX Treasury & Administration Consolidated Community Bank CCBX Treasury & Administration Consolidated (dollars in thousands; unaudited) INTEREST INCOME AND EXPENSE Interest income $ 30,052 $ 54,569 $ 5,851 $ — $ 90,472 $ 24,211 $ 42,220 $ 3,680 $ 70,111 Interest (expense) income (5,599) 8,151 (2,552) — — (1,079) 2,652 (1,573) — Interest expense 6,013 22,854 669 29,536 2,534 12,424 662 15,620 Net interest income 18,440 39,866 2,630 60,936 20,598 32,448 1,445 54,491 (Recapture)/Provision for (199) 79,717 — 79,518 428 43,116 — 43,544 Provision for 2,209 1,431 — 3,640 137 16 — 153 Net interest income/(expense) after 16,430 (41,282) 2,630 (22,222) 20,033 (10,684) 1,445 10,794 NONINTEREST INCOME Deposit service charges and fees 896 12 — 908 899 11 — 910 Other income 285 68 138 491 191 133 137 461 BaaS program income — 4,825 — 4,825 — 3,575 — 3,575 BaaS indemnification income — 80,731 — 80,731 — 44,361 — 44,361 Noninterest income (1) 1,181 85,636 138 86,955 1,090 48,080 137 49,307 NONINTEREST EXPENSE Salaries and employee benefits 6,045 7,351 4,588 17,984 5,854 5,383 4,338 15,575 Occupancy 844 101 573 1,518 1,034 86 99 1,219 Data processing and software licenses 1,025 903 964 2,892 919 535 386 1,840 Legal and professional expenses 18 2,255 1,399 3,672 254 1,768 1,040 3,062 Other expense 1,035 1,578 1,579 4,192 1,031 1,114 1,269 3,414 BaaS loan expense — 24,837 — 24,837 — 17,554 — 17,554 BaaS fraud expense — 923 — 923 — 1,999 — 1,999 Total noninterest expense 8,967 8,967 37,948 9,103 56,018 9,092 28,439 7,132 44,663 Net income/(loss) before income taxes 8,644 6,406 (6,335) 8,715 12,031 8,957 (5,550) 15,438 Income taxes 1,822 1,581 (1,488) 1,915 2,375 1,768 (1,096) 3,047 Net income/(loss) $ 6,822 $ 4,825 $ (4,847) $ 6,800 $ 9,656 $ 7,189 $ (4,454) $ 12,391

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Pay vs Performance Disclosure
NET INCOME	$ 6,800	$ 12,391

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Mar. 31, 2024
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)	3 Months Ended
	Mar. 31, 2024
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. The Company operates through the Bank and is 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: The community bank, CCBX and treasury & administration. The community bank offers a full range of banking services to small and medium-sized businesses, professionals, and individuals throughout the greater Puget Sound region through its 14 branches in Snohomish, Island and King Counties, the Internet, and its mobile banking application. 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 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 (“FDIC”). The community bank’s loans and deposits are primarily within the greater Puget Sound region, 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 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 15, 2024. Operating results for the three months ended March 31, 2024 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
Estimates	Estimates
Subsequent Events	Subsequent Events
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 November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures, to provide financial statement users with more disaggregated expense information about a public entity’s reportable segments. The ASU addresses the concern that more segment information is needed, including allowing the disclosure of multiple measures of segment profit or loss, requiring the disclosure of significant segment expenses, and requiring the qualitative disclosure of other segment items.This ASU is effective for all entities for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024.We are currently evaluating the impact of this ASU on our reporting.

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2024
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) March 31, 2024 Available-for-sale U.S. Treasury securities $ — $ — $ — $ — $ — U.S. Agency collateralized 44 — (3) 41 — Municipal bonds — — — — — Total available-for-sale 44 — (3) 41 — Held-to-maturity U.S. Agency residential 50,049 223 (522) 49,750 — Total investment securities $ 50,093 $ 223 $ (525) $ 49,791 $ — Amortized Gross Gross Fair Allowance for Credit Losses (dollars in thousands; unaudited) December 31, 2023 Available-for-sale U.S. Treasury securities $ 99,996 $ — $ (535) $ 99,461 $ — U.S. Agency collateralized 45 — (2) 43 — Total available-for-sale 100,041 — (537) 99,504 — Held-to-maturity U.S. Agency residential 50,860 467 (286) 51,041 — Total investment securities $ 150,901 $ 467 $ (823) $ 150,545 $ —
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) March 31, 2024 Amounts maturing in One year or less $ — $ — $ — $ — — — — — U.S. Agency residential mortgage-backed securities and collateralized mortgage obligations 44 41 50,049 49,750 $ 44 $ 41 $ 50,049 $ 49,750
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) March 31, 2024 Available-for-sale U.S. Treasury securities $ — $ — $ — $ — $ — $ — U.S. Agency collateralized mortgage obligations — — 41 3 41 3 Total available-for-sale securities — — 41 3 41 3 Held-to-maturity U.S. Agency residential mortgage-backed securities 19,713 70 11,718 452 31,431 522 Total investment securities $ 19,713 $ 70 $ 11,759 $ 455 $ 31,472 $ 525

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2024
Receivables [Abstract]
Composition of Loan Portfolio	The composition of the loan portfolio is as follows as of the periods indicated: March 31, December 31, 2024 2023 (dollars in thousands; unaudited) Community Bank Commercial and industrial loans $ 154,395 $ 149,502 Real estate loans: Construction, land and land development loans 160,862 157,100 Residential real estate loans 231,157 225,391 Commercial real estate loans 1,342,489 1,303,533 Consumer and other loans: Other consumer and other loans 1,447 1,628 Gross Community Bank loans receivable 1,890,350 1,837,154 CCBX Commercial and industrial loans: Capital call lines $ 135,671 $ 87,494 All other commercial & industrial loans 47,160 54,298 Real estate loans: Residential real estate loans 265,148 238,035 Consumer and other loans: Credit cards 505,706 505,837 Other consumer and other loans 362,981 310,574 Gross CCBX loans receivable 1,316,666 1,196,238 Total gross loans receivable 3,207,016 3,033,392 Net deferred origination fees and premiums (7,462) (7,300) Loans receivable $ 3,199,554 $ 3,026,092
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) March 31, 2024 Community Bank Commercial and industrial $ — $ 1,445 $ 1,445 $ 152,950 $ 154,395 $ 1,445 Real estate loans: Construction, land and land development — — — 160,862 160,862 — Residential real estate 1,086 44 1,130 230,027 231,157 — Commercial real estate — 7,731 7,731 1,334,758 1,342,489 — Consumer and other loans 3 — 3 1,444 1,447 — Total community bank $ 1,089 $ 9,220 $ 10,309 $ 1,880,041 $ 1,890,350 $ 1,445 CCBX Commercial and industrial loans: Capital call lines $ — $ — $ — $ 135,671 $ 135,671 $ — All other commercial & industrial loans 3,069 1,793 4,862 42,298 47,160 1,793 Real estate loans: Residential real 3,079 1,796 4,875 $ 260,273 $ 265,148 1,796 Consumer and other loans: Credit cards 27,983 37,603 65,586 $ 440,120 $ 505,706 37,603 Other consumer and 23,400 5,731 29,131 333,850 362,981 5,731 Total CCBX $ 57,531 $ 46,923 $ 104,454 $ 1,212,212 $ 1,316,666 $ 46,923 Total Consolidated $ 58,620 $ 56,143 $ 114,763 $ 3,092,253 3,207,016 $ 48,368 Less net deferred origination fees and premiums (7,462) Loans receivable $ 3,199,554 30-89 90 Days Total Current Total 90 Days or (dollars in thousands; unaudited) December 31, 2023 Community Bank Commercial and industrial $ — $ — $ — $ 149,502 $ 149,502 $ — Real estate loans: Construction, land and land development — — — 157,100 157,100 — Residential real estate 44 — 44 225,347 225,391 — Commercial real estate — 7,145 7,145 1,296,388 1,303,533 — Consumer and other loans 2 — 2 1,626 1,628 — Total community bank $ 46 $ 7,145 $ 7,191 $ 1,829,963 $ 1,837,154 $ — CCBX Commercial and industrial loans: Capital call lines $ — $ — $ — $ 87,494 $ 87,494 $ — All other commercial & industrial loans 3,433 2,086 5,519 48,779 54,298 2,086 Real estate loans: Residential real 3,198 1,115 4,313 $ 233,722 $ 238,035 $ 1,115 Consumer and other loans: Credit cards 28,383 34,835 63,218 $ 442,619 $ 505,837 $ 34,835 Other consumer and 29,645 8,488 38,133 $ 272,441 $ 310,574 $ 8,488 Total CCBX 64,659 46,524 111,183 1,085,055 1,196,238 46,524 Total Consolidated 64,705 53,669 118,374 2,915,018 3,033,392 46,524 Less net deferred origination fees and premiums (7,300) Loans receivable $ 3,026,092
Analysis of Nonaccrual Loans by Category	An analysis of nonaccrual loans by category consisted of the following at the periods indicated: March 31, December 31, 2024 2023 Total Nonaccrual Nonaccrual with No ACL Nonaccrual with Total Nonaccrual Nonaccrual with No ACL (dollars in thousands; unaudited) Community Bank Commercial and industrial loans $ — $ — $ — $ — $ — Real estate loans: Construction, land and land — — — — — Residential real estate 212 212 — 170 170 Commercial real estate 7,731 830 6,901 7,145 7,145 Consumer and other loans — — — — — Total nonaccrual loans $ 7,943 $ 1,042 $ 6,901 $ 7,315 $ 7,315
Financing Receivable, Modified	The following table presents the CCBX loans at March 31, 2024 that were both experiencing financial difficulty and were modified during the twelve months prior to March 31, 2024 by class and by type of modification. The percentage of the loans that were modified to borrowers in financial distress as compared to the total of each class of loans is also presented below. Term Extension Interest Rate Reduction Principal Forgiveness & Payment Delay Principal Forgiveness, Payment Delay & Term Extension Total Total Class of Financing Receivable (dollars in thousands; unaudited) CCBX Commercial and industrial loans: All other commercial & industrial loans $ 1,314 $ — $ 260 $ 47 $ 1,621 3.44 % Consumer and other loans: Credit cards — 7,063 — — 7,063 1.40 Other consumer and other loans 10,055 — 7,463 5,041 22,559 6.21 Total $ 11,369 $ 7,063 $ 7,723 $ 5,088 $ 31,243 0.98 % 30-89 90 Days Total Past Due (dollars in thousands; unaudited) CCBX Commercial and industrial loans: All other commercial & industrial loans $ 242 $ 97 $ 339 Consumer and other loans: Credit cards 1,512 2,069 3,581 Other consumer and other loans 2,283 711 2,994 Total CCBX $ 4,037 $ 2,877 $ 6,914 The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the preceding 12 months ended March 31, 2024: Principal Forgiveness Weighted Average Interest Rate Reduction Weighted Average Term Extension (years) (dollars in thousands; unaudited) CCBX Commercial and industrial loans: All other commercial & industrial loans $ — — % 0.95 Real estate loans: Residential real estate loans 42 — n/a Consumer and other loans: Credit cards — 18.0 n/a Other consumer and other loans — — 0.97 Total CCBX $ 42 18.0 % 0.97 The following table presents the total of loans that had a payment default during the preceding 12 months ended March 31, 2024 and which were modified for borrowers experiencing financial difficulty in the twelve months prior to that default. Term Extension Interest Rate Reduction Principal Forgiveness & Payment Delay Principal Forgiveness, Payment Delay & Term Extension Total (dollars in thousands; unaudited) CCBX Commercial and industrial loans: All other commercial & industrial loans $ 777 $ — $ 189 $ 11 $ 977 Consumer and other loans: Credit cards — 5,291 — — 5,291 Other consumer and other loans 5,579 — 4,210 3,057 12,846 Total $ 6,356 $ 5,291 $ 4,399 $ 3,068 $ 19,114
Summary of Loans by Credit Quality Risk Rating	he following tables show the risk category of community bank loans by year of origination for the periods indicated, based on the most recent analysis performed as of each period end: Term Loans Amortized Cost Basis by Origination Year Community Bank 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of March 31, 2024 Commercial and industrial loans Risk rating Pass $ 5,867 $ 14,062 $ 55,194 $ 14,970 $ 9,580 $ 13,338 $ 36,764 $ 856 $ 150,631 Other Loan Especially Mentioned — — — — 105 — 3,659 — 3,764 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total commercial and industrial $ 5,867 $ 14,062 $ 55,194 $ 14,970 $ 9,685 $ 13,338 $ 40,423 $ 856 $ 154,395 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Real estate loans - Risk rating Pass $ 2,537 $ 99,547 $ 39,591 $ 14,757 $ 772 $ 2,239 $ 360 $ — $ 159,803 Other Loan Especially Mentioned — — — 459 — — 600 — 1,059 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total real estate loans - $ 2,537 $ 99,547 $ 39,591 $ 15,216 $ 772 $ 2,239 $ 960 $ — $ 160,862 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year Community Bank 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of March 31, 2024 Real estate loans - Risk rating Pass $ 6,802 $ 32,483 $ 41,545 $ 38,889 $ 29,091 $ 53,905 $ 24,795 $ 17 $ 227,527 Other Loan Especially Mentioned — — 1,094 2,013 22 39 250 — 3,418 Substandard — — — — — — 44 168 212 Doubtful — — — — — — — — — Total real estate loans - 6,802 32,483 42,639 40,902 29,113 53,944 25,089 185 231,157 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Real estate loans - Risk rating Pass $ 56,325 $ 241,523 $ 301,683 $ 223,012 $ 140,329 $ 348,428 $ 8,138 $ 1,704 $ 1,321,142 Other Loan Especially Mentioned — — 3,239 5,733 168 4,306 170 — 13,616 Substandard — — — — 830 6,901 — — 7,731 Doubtful — — — — — — — — — Total real estate loans - $ 56,325 $ 241,523 $ 304,922 $ 228,745 $ 141,327 $ 359,635 $ 8,308 $ 1,704 $ 1,342,489 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year Community Bank 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of March 31, 2024 Consumer and other loans - Risk rating Pass $ 93 $ 64 $ 239 $ 5 $ 670 $ 185 $ 191 $ — $ 1,447 Other Loan Especially Mentioned — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total consumer and other $ 93 $ 64 $ 239 $ 5 $ 670 $ 185 $ 191 $ — $ 1,447 Current period gross charge-offs $ 15 $ — $ — $ — $ — $ — $ — $ — $ 15 Total community bank loans receivable Risk rating Pass $ 71,624 $ 387,679 $ 438,252 $ 291,633 $ 180,442 $ 418,095 $ 70,248 $ 2,577 $ 1,860,550 Other Loan Especially Mentioned — — 4,333 8,205 295 4,345 4,679 — 21,857 Substandard — — — — 830 6,901 44 168 7,943 Doubtful — — — — — — — — — Total community bank loans $ 71,624 $ 387,679 $ 442,585 $ 299,838 $ 181,567 $ 429,341 $ 74,971 $ 2,745 $ 1,890,350 Current period gross charge-offs $ 15 $ — $ — $ — $ — $ — $ — $ — $ 15 Term Loans Amortized Cost Basis by Origination Year Community Bank 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of December 31, 2023 Commercial and industrial loans Risk rating Pass $ 15,882 $ 56,428 $ 15,566 $ 10,044 $ 12,429 $ 1,442 $ 33,412 $ 1,020 $ 146,223 Other Loan Especially Mentioned — — — 111 — — 3,168 — 3,279 Substandard — — — — — — — — — Doubtful — — — — — — — — — Total commercial and industrial $ 15,882 $ 56,428 $ 15,566 $ 10,155 $ 12,429 $ 1,442 $ 36,580 $ 1,020 $ 149,502 Current period gross charge-offs $ — $ — $ — $ — $ — $ 46 $ — $ — $ 46 Real estate loans - Risk rating Pass $ 75,129 $ 49,275 $ 20,811 $ 2,859 $ 914 $ 1,598 $ — $ — $ 150,586 Other Loan Especially Mentioned — — 3,589 2,325 — — — — 5,914 Substandard — — — — — — 600 — 600 Doubtful — — — — — — — — — Total real estate loans - $ 75,129 $ 49,275 $ 24,400 $ 5,184 $ 914 $ 1,598 $ 600 $ — $ 157,100 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year Community Bank 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of December 31, 2023 Real estate loans - Risk rating Pass $ 32,352 $ 41,362 $ 39,137 $ 30,259 $ 31,982 $ 22,429 $ 24,396 $ 18 $ 221,935 Other Loan Especially Mentioned — 1,098 2,020 28 — 40 100 — 3,286 Substandard — — — — — — — 170 170 Doubtful — — — — — — — — — Total real estate loans - $ 32,352 $ 42,460 $ 41,157 $ 30,287 $ 31,982 $ 22,469 $ 24,496 $ 188 $ 225,391 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Real estate loans - Risk rating Pass $ 244,169 $ 303,329 $ 222,287 $ 144,602 $ 126,437 $ 233,482 $ 7,509 $ 1,719 $ 1,283,534 Other Loan Especially Mentioned — 3,257 5,891 171 506 2,099 100 — 12,024 Substandard — — — 924 6,900 — 151 — 7,975 Doubtful — — — — — — — — — Total real estate loans - $ 244,169 $ 306,586 $ 228,178 $ 145,697 $ 133,843 $ 235,581 $ 7,760 $ 1,719 $ 1,303,533 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Term Loans Amortized Cost Basis by Origination Year Community Bank 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of December 31, 2023 Consumer and other loans - Risk rating Pass $ 323 $ 272 $ 5 $ 679 $ 38 $ 164 $ 147 $ — $ 1,628 Other Loan Especially Mentioned — — — — — — — — — Substandard — — — — — — — — — Doubtful — — — — — — — — — Total consumer and other $ 323 $ 272 $ 5 $ 679 $ 38 $ 164 $ 147 $ — $ 1,628 Current period gross charge-offs $ 18 $ — $ — $ — $ — $ — $ — $ — $ 18 Total community bank loans receivable Risk rating Pass $ 367,855 $ 450,666 $ 297,806 $ 188,443 $ 171,800 $ 259,115 $ 65,464 $ 2,757 $ 1,803,906 Other Loan Especially Mentioned — 4,355 11,500 2,635 506 2,139 3,368 — 24,503 Substandard — — — 924 6,900 — 751 170 8,745 Doubtful — — — — — — — — — Total community bank loans $ 367,855 $ 455,021 $ 309,306 $ 192,002 $ 179,206 $ 261,254 $ 69,583 $ 2,927 $ 1,837,154 Current period gross charge-offs $ 18 $ — $ — $ — $ — $ 46 $ — $ — $ 64 Term Loans Amortized Cost Basis by Origination Year CCBX 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of March 31, 2024 Commercial and industrial loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 135,671 $ — $ 135,671 Nonperforming — — — — — — — — — Total commercial and industrial $ — $ — $ — $ — $ — $ — $ 135,671 $ — $ 135,671 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial and industrial loans - Payment performance Performing $ — $ 36,254 $ 5,867 $ 9 $ 10 $ — $ 3,227 $ — $ 45,367 Nonperforming — 1,185 162 — — — 446 — 1,793 Total commercial and industrial $ — $ 37,439 $ 6,029 $ 9 $ 10 $ — $ 3,673 $ — $ 47,160 Current period gross charge-offs $ 46 $ 3,770 $ 683 $ — $ — $ — $ 198 $ — $ 4,697 Real estate loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 242,333 $ 21,019 $ 263,352 Nonperforming — — — — — — 1,796 — 1,796 Total real estate loans - $ — $ — $ — $ — $ — $ — $ 244,129 $ 21,019 $ 265,148 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ 1,143 $ — $ 1,143 Term Loans Amortized Cost Basis by Origination Year CCBX 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of March 31, 2024 Consumer and other loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 468,038 $ 65 $ 468,103 Nonperforming — — — — — — 37,603 — 37,603 Total consumer and other $ — $ — $ — $ — $ — $ — $ 505,641 $ 65 $ 505,706 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ 31,705 $ — $ 31,705 Consumer and other loans - Payment performance Performing $ 111,255 $ 178,701 $ 40,740 $ 5,149 $ 91 $ 574 $ 20,740 $ — $ 357,250 Nonperforming — 3,062 1,545 421 — 23 680 — 5,731 Total consumer and other $ 111,255 $ 181,763 $ 42,285 $ 5,570 $ 91 $ 597 $ 21,420 $ — $ 362,981 Current period gross charge-offs $ 485 $ 11,542 $ 6,296 $ 1,594 $ 2 $ 71 $ 1,444 $ — $ 21,434 Total CCBX loans receivable Payment performance Performing $ 111,255 $ 214,955 $ 46,607 $ 5,158 $ 101 $ 574 $ 870,009 $ 21,084 $ 1,269,743 Nonperforming — 4,247 1,707 421 — 23 40,525 — 46,923 Total CCBX loans $ 111,255 $ 219,202 $ 48,314 $ 5,579 $ 101 $ 597 $ 910,534 $ 21,084 $ 1,316,666 Current period gross charge-offs $ 531 $ 15,312 $ 6,979 $ 1,594 $ 2 $ 71 $ 34,490 $ — $ 58,979 Term Loans Amortized Cost Basis by Origination Year CCBX 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of December 31, 2023 Commercial and industrial loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 87,494 $ — $ 87,494 Nonperforming — — — — — — — — — Total commercial and industrial $ — $ — $ — $ — $ — $ — $ 87,494 $ — $ 87,494 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ — $ — $ — Commercial and industrial loans - Payment performance Performing $ 42,267 $ 6,835 $ 9 $ 11 $ — $ — $ 3,090 $ — $ 52,212 Nonperforming 1,333 277 — — — — 476 — 2,086 Total commercial and industrial $ 43,600 $ 7,112 $ 9 $ 11 $ — $ — $ 3,566 $ — $ 54,298 Current period gross charge-offs $ 3,848 $ 2,502 $ 15 $ 16 $ — $ — $ 224 $ — $ 6,605 Real estate loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 212,435 $ 24,485 $ 236,920 Nonperforming — — — — — — 1,115 — 1,115 Total real estate loans - $ — $ — $ — $ — $ — $ — $ 213,550 $ 24,485 $ 238,035 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ 4,641 $ — $ 4,641 Term Loans Amortized Cost Basis by Origination Year CCBX 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted To Term Total (dollars in thousands; unaudited) As of December 31, 2023 Consumer and other loans - Payment performance Performing $ — $ — $ — $ — $ — $ — $ 469,049 $ 1,953 $ 471,002 Nonperforming — — — — — — 33,655 1,180 34,835 Total consumer and other $ — $ — $ — $ — $ — $ — $ 502,704 $ 3,133 $ 505,837 Current period gross charge-offs $ — $ — $ — $ — $ — $ — $ 61,358 $ — $ 61,358 Consumer and other loans - Payment performance Performing $ 216,024 $ 50,732 $ 6,888 $ 98 $ 418 $ 317 $ 27,609 $ — $ 302,086 Nonperforming 4,229 3,074 477 — 7 10 691 — 8,488 Total consumer and other $ 220,253 $ 53,806 $ 7,365 $ 98 $ 425 $ 327 $ 28,300 $ — $ 310,574 Current period gross charge-offs $ 17,815 $ 43,115 $ 11,574 $ 84 $ 346 $ 217 $ 6,178 $ — $ 79,329 Total CCBX loans receivable Payment performance Performing $ 258,291 $ 57,567 $ 6,897 $ 109 $ 418 $ 317 $ 799,677 $ 26,438 $ 1,149,714 Nonperforming 5,562 3,351 477 — 7 10 35,937 1,180 46,524 Total CCBX loans $ 263,853 $ 60,918 $ 7,374 $ 109 $ 425 $ 327 $ 835,614 $ 27,618 $ 1,196,238 Current period gross charge-offs $ 21,663 $ 45,617 $ 11,589 $ 100 $ 346 $ 217 $ 72,401 $ — $ 151,933
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 months ended March 31, 2024 and for the three months ended March 31, 2023: Commercial Construction, Residential Commercial Consumer Unallocated Total (dollars in thousands; unaudited) Three Months Ended March 31, 2024 ACL balance, December 31, 2023 $ 8,877 $ 6,386 $ 13,049 $ 7,441 $ 81,205 $ — $ 116,958 Provision for credit losses or (recapture) 6,411 165 2,742 62 70,138 — 79,518 15,288 6,551 15,791 7,503 151,343 — 196,476 Loans charged-off (4,697) — (1,143) — (53,154) — (58,994) Recoveries of loans previously charged-off 199 — 2 — 1,575 — 1,776 Net charge-offs (4,498) — (1,141) — (51,579) — (57,218) ACL balance, March 31, 2024 $ 10,790 $ 6,551 $ 14,650 $ 7,503 $ 99,764 $ — $ 139,258 Three Months Ended March 31, 2023 ACL 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) 3,165 (92) 1,958 796 37,717 — 43,544 9,424 5,744 7,723 7,506 91,028 — 121,425 Loans charged-off (776) — (737) — (32,654) — (34,167) Recoveries of loans previously charged-off 3 — — — 1,862 — 1,865 Net (charge-offs) recoveries (773) — (737) — (30,792) — (32,302) ACL Balance, March 31, 2023 $ 8,651 $ 5,744 $ 6,986 $ 7,506 $ 60,236 $ — $ 89,123 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 as of the dates indicated: Real Estate Total ACL (dollars in thousands; unaudited) March 31, 2024 Real estate loans: Residential real estate $ 212 $ 212 $ — Commercial real estate 7,731 7,731 1,096 Total $ 7,943 $ 7,943 $ 1,096 Real Estate Total ACL (dollars in thousands; unaudited) December 31, 2023 Real estate loans: Residential real estate $ 170 $ 170 $ — Commercial real estate 7,145 7,145 — Total $ 7,315 $ 7,315 $ —

Deposits (Tables)

Deposits (Tables)	3 Months Ended
	Mar. 31, 2024
Deposits [Abstract]
Composition of Consolidated Deposits	The composition of consolidated deposits consisted of the following at the periods indicated: March 31, December 31, (dollars in thousands; unaudited) Demand, noninterest bearing $ 574,112 $ 625,202 Interest bearing demand and money market 2,799,667 2,640,240 Savings 74,085 76,562 Total core deposits 3,447,864 3,342,004 Brokered deposits 1 1 Time deposits less than $250,000 11,837 13,917 Time deposits $250,000 and over 3,277 4,441 Total deposits $ 3,462,979 $ 3,360,363
Schedule of Maturity Distribution of Time Deposits	The following table presents the maturity distribution of time deposits as of March 31, 2024: (dollars in thousands; unaudited) As of March 31, 2024 Twelve months $ 10,721 One to two years 2,825 Two to three years 705 Three to four years 625 Four to five years 238 Thereafter — $ 15,114

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2024
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 March 31, 2024: (dollars in thousands; unaudited) March 31, April 1 to December 31, 2024 $ 775 2026 977 2027 977 2028 913 2029 692 2029 and thereafter 2,763 Total lease payments 7,097 Less: amounts representing interest 1,151 Present value of lease liabilities $ 5,946
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 months ended March 31, 2024 and 2023: Three Months Ended March 31, March 31, (dollars in thousands; unaudited) Lease expense: Operating lease expense $ 255 $ 321 Variable lease expense 67 52 Total lease expense (1) $ 322 $ 373 Cash paid: Cash paid reducing operating lease liabilities $ 325 $ 379 (1) Included in net occupancy expense in the Condensed Consolidated Statements of Income (unaudited).

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2024
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 three months ended March 31, 2024: Options Number of Shares Weighted- Weighted- Aggregate (dollars in thousands, except per share amounts; unaudited) Outstanding at December 31, 2023 354,969 $ 9.11 3.3 $ 12,531 Granted — — Exercised (45,140) 7.98 $ 1,394 Expired — — Forfeited (760) 10.02 Outstanding at March 31, 2024 309,069 $ 9.27 3.2 $ 9,148 Vested or expected to vest at March 31, 2024 309,069 $ 9.27 3.2 $ 9,148 Exercisable at March 31, 2024 182,611 $ 8.92 2.9 $ 5,469
Summary of Nonvested RSUs	A summary of the Company’s nonvested RSUs at March 31, 2024 and changes during the three month period is presented below: Nonvested shares - RSUs Number of Shares Weighted- (dollars in thousands, except per share amounts; unaudited) Nonvested shares at December 31, 2023 409,271 $ 31.22 Granted 79,647 $ 38.06 Forfeited or expired (12,168) $ 36.40 Vested (57,841) $ 33.36 Nonvested shares at March 31, 2024 418,909 $ 32.07 A summary of the Company’s nonvested shares at March 31, 2024 and changes during the three-month period is presented below: Nonvested shares - RSAs Number of Shares Weighted- (dollars in thousands, except per share amounts; unaudited) Nonvested shares at December 31, 2023 16,038 $ 32.41 Granted — $ — Forfeited — $ — Vested (500) $ 17.81 Nonvested shares at March 31, 2024 15,538 $ 32.88

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2024
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: March 31, 2024 Fair Value Measurements Using Carrying Estimated Level 1 Level 2 Level 3 (dollars in thousands; unaudited) Financial assets Cash and due from banks $ 32,790 $ 32,790 $ 32,790 $ — $ — Interest earning deposits with other banks 482,338 482,338 482,338 — — Investment securities 50,090 49,791 — 49,791 — Other investments 10,583 10,583 — 7,961 2,622 Loans receivable 3,199,554 3,102,679 — — 3,102,679 Accrued interest receivable 24,681 24,681 — 24,681 — Financial liabilities Deposits $ 3,462,979 3,462,458 $ — $ 3,462,458 $ — Subordinated debt 44,181 43,572 — 43,572 — Junior subordinated debentures 3,590 3,498 — 3,498 — Accrued interest payable 1,061 1,061 — 1,061 — December 31, 2023 Fair Value Measurements Using Carrying Estimated Level 1 Level 2 Level 3 (dollars in thousands; unaudited) Financial assets Cash and due from banks $ 31,345 $ 31,345 $ 31,345 $ — $ — Interest earning deposits with other banks 451,783 451,783 451,783 — — Investment securities 150,364 150,545 99,461 51,084 — Other investments 10,227 10,227 — 7,605 2,622 Loans receivable, net 3,026,092 2,936,917 — — 2,936,917 Accrued interest receivable 26,819 26,819 — 26,819 — Financial liabilities Deposits $ 3,360,363 $ 3,359,867 $ — $ 3,359,867 $ — Subordinated debt 44,144 43,908 — 43,908 — Junior subordinated debentures 3,590 3,491 — 3,491 — Accrued interest payable 892 892 — 892 —
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) March 31, 2024 Available-for-sale U.S. Treasury securities $ — $ — $ — $ — U.S. Agency collateralized mortgage obligations — 41 — 41 Municipals — — — — $ — $ 41 $ — $ 41 December 31, 2023 Available-for-sale U.S. Treasury securities $ 99,461 $ — $ — $ 99,461 U.S. Agency collateralized mortgage obligations — 43 — 43 U.S. Agency residential mortgage-backed securities — — — — Municipals — — — — $ 99,461 $ 43 $ — $ 99,504
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) March 31, 2024 Collateral dependent loans $ — $ — $ 6,847 $ 6,847 Equity securities $ — $ — $ 2,622 $ 2,622 Total $ — $ — $ 9,469 $ 9,469 December 31, 2023 Collateral dependent loans $ — $ — $ 7,315 $ 7,315 Equity securities — — 2,622 2,622 Total $ — $ — $ 9,937 $ 9,937
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 March 31, 2024, 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. • As of March 31, 2024 and December 31, 2023, we had a $2.2 million equity interest in a specialized bank technology company. • We had a $350,000 equity interest in a technology company as of March 31, 2024 and December 31, 2023. • We had a $50,000 equity interest in an additional technology company as of March 31, 2024 and December 31, 2023. For the Three Months Ended (dollars in thousands; unaudited) 2024 2023 Carrying value, beginning of period $ 2,622 $ 2,572 Purchases — — Observable price change — — Carrying value, end of period $ 2,622 $ 2,572
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 March 31, 2024 Weighted Average Rate December 31, 2023 Weighted Average Rate Collateral dependent loans Collateral valuations Discount to appraised value 8.1% 8.0%

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2024
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 March 31, 2024 March 31, 2023 (dollars in thousands, except earnings per share data; unaudited) Net Income $ 6,800 $ 12,391 Basic weighted average number common shares outstanding 13,340,997 13,196,960 Dilutive effect of equity-based awards 335,920 412,531 Diluted weighted average number common shares outstanding 13,676,917 13,609,491 Basic earnings per share $ 0.51 $ 0.94 Diluted earnings per share $ 0.50 $ 0.91 Antidilutive stock options and restricted stock outstanding 153,659 124,714

Segment Reporting (Tables)

Segment Reporting (Tables)	3 Months Ended
	Mar. 31, 2024
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: March 31, 2024 December 31, 2023 Community Bank CCBX Treasury & Administration Consolidated Community Bank CCBX Treasury & Administration Consolidated Assets (dollars in thousands; unaudited) Cash and Due from Banks $ 4,711 $ 10,358 $ 500,059 $ 515,128 $ 4,702 $ 9,601 $ 468,825 $ 483,128 Intrabank assets — 690,310 (690,310) — — 653,178 (653,178) — Securities — — 50,090 50,090 — — 150,364 150,364 Loans held for sale — 797 — 797 — — — — Total loans receivable 1,883,282 1,316,272 — 3,199,554 1,830,154 1,195,938 — 3,026,092 Allowance for credit losses (21,384) (117,874) — (139,258) (21,595) (95,363) — (116,958) All other assets 29,643 165,796 43,508 238,947 30,169 136,931 43,640 210,740 Total assets $ 1,896,252 $ 2,065,659 $ (96,653) $ 3,865,258 $ 1,843,430 $ 1,900,285 $ 9,651 $ 3,753,366 Liabilities Total deposits $ 1,434,030 $ 2,028,949 $ — $ 3,462,979 $ 1,497,601 $ 1,862,762 $ — $ 3,360,363 Total borrowings — — 47,771 47,771 — — 47,734 47,734 Intrabank liabilities 452,861 — (452,861) — 338,614 — (338,614) — All other liabilities 9,361 36,710 4,728 50,799 7,215 37,523 5,553 50,291 Total liabilities $ 1,896,252 $ 2,065,659 $ (400,362) $ 3,561,549 $ 1,843,430 $ 1,900,285 $ (285,327) $ 3,458,388 Three months ended March 31, 2024 Three months ended March 31, 2023 Community Bank CCBX Treasury & Administration Consolidated Community Bank CCBX Treasury & Administration Consolidated (dollars in thousands; unaudited) INTEREST INCOME AND EXPENSE Interest income $ 30,052 $ 54,569 $ 5,851 $ — $ 90,472 $ 24,211 $ 42,220 $ 3,680 $ 70,111 Interest (expense) income (5,599) 8,151 (2,552) — — (1,079) 2,652 (1,573) — Interest expense 6,013 22,854 669 29,536 2,534 12,424 662 15,620 Net interest income 18,440 39,866 2,630 60,936 20,598 32,448 1,445 54,491 (Recapture)/Provision for (199) 79,717 — 79,518 428 43,116 — 43,544 Provision for 2,209 1,431 — 3,640 137 16 — 153 Net interest income/(expense) after 16,430 (41,282) 2,630 (22,222) 20,033 (10,684) 1,445 10,794 NONINTEREST INCOME Deposit service charges and fees 896 12 — 908 899 11 — 910 Other income 285 68 138 491 191 133 137 461 BaaS program income — 4,825 — 4,825 — 3,575 — 3,575 BaaS indemnification income — 80,731 — 80,731 — 44,361 — 44,361 Noninterest income (1) 1,181 85,636 138 86,955 1,090 48,080 137 49,307 NONINTEREST EXPENSE Salaries and employee benefits 6,045 7,351 4,588 17,984 5,854 5,383 4,338 15,575 Occupancy 844 101 573 1,518 1,034 86 99 1,219 Data processing and software licenses 1,025 903 964 2,892 919 535 386 1,840 Legal and professional expenses 18 2,255 1,399 3,672 254 1,768 1,040 3,062 Other expense 1,035 1,578 1,579 4,192 1,031 1,114 1,269 3,414 BaaS loan expense — 24,837 — 24,837 — 17,554 — 17,554 BaaS fraud expense — 923 — 923 — 1,999 — 1,999 Total noninterest expense 8,967 8,967 37,948 9,103 56,018 9,092 28,439 7,132 44,663 Net income/(loss) before income taxes 8,644 6,406 (6,335) 8,715 12,031 8,957 (5,550) 15,438 Income taxes 1,822 1,581 (1,488) 1,915 2,375 1,768 (1,096) 3,047 Net income/(loss) $ 6,822 $ 4,825 $ (4,847) $ 6,800 $ 9,656 $ 7,189 $ (4,454) $ 12,391

Description of Business and S_3

Description of Business and Summary of Significant Accounting Policies - Additional Information (Details)	3 Months Ended
	Mar. 31, 2024 branch segment
Accounting Policies [Abstract]
Number of reportable segments | segment	3
Number of branches | branch	14

Investments Securities - Amorti

Investments Securities - Amortized Cost and Fair Values of Investments in Debt Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Available-for-sale
Amortized Cost	$ 44	$ 100,041
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(3)	(537)
Fair Value	41	99,504
Allowance for Credit Losses	0	0
Debt Securities, Held-to-maturity, Fair Value to Amortized Cost [Abstract]
Amortized Cost	50,049
Fair Value	49,750
Amortized Cost	50,093	150,901
Gross Unrealized Gains	223	467
Gross Unrealized Losses	(525)	(823)
Fair Value	49,791	150,545
Allowance for Credit Losses	0	0
U.S. Treasury securities
Available-for-sale
Amortized Cost	0	99,996
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	(535)
Fair Value	0	99,461
Allowance for Credit Losses	0	0
U.S. Agency collateralized mortgage obligations
Available-for-sale
Amortized Cost	44	45
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(3)	(2)
Fair Value	41	43
Allowance for Credit Losses	0	0
Municipal bonds
Available-for-sale
Amortized Cost	0
Gross Unrealized Gains	0
Gross Unrealized Losses	0
Fair Value	0
Allowance for Credit Losses	0
U.S. Agency residential mortgage-backed securities
Debt Securities, Held-to-maturity, Fair Value to Amortized Cost [Abstract]
Amortized Cost	50,049	50,860
Gross Unrealized Gains	223	467
Gross Unrealized Losses	(522)	(286)
Fair Value	49,750	51,041
Allowance for Credit Losses	$ 0	$ 0

Investments Securities - Amor_2

Investments Securities - Amortized Cost and Fair Value of Debt Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized Cost
One year or less	$ 0
Total AFS Debt Securities	0
Amortized Cost	44	$ 100,041
Fair Value
One year or less	0
Total AFS Debt Securities	0
Fair Value	41	$ 99,504
Amortized Cost
One year or less	0
Total HTM Debt Securities	0
Amortized Cost	50,049
Fair Value
One year or less	0
Total HTM Debt Securities	0
Fair Value	49,750
U.S. Agency residential mortgage-backed securities and collateralized mortgage obligations
Amortized Cost
Without single maturity date	44
Fair Value
Without single maturity date	41
Amortized Cost
Without single maturity date	50,049
Fair Value
Without single maturity	$ 49,750

Investments Securities - Additi

Investments Securities - Additional Information (Details)	3 Months Ended
	Mar. 31, 2024 USD ($) security	Mar. 31, 2023 USD ($)	Dec. 31, 2023 USD ($) investment
Investments, Debt and Equity Securities [Abstract]
Available-for-sale securities, accrued interest			$ 187,000
Held-to-maturity securities, accrued interest	$ 230,000		14,000
Investments in debt securities with amortized cost pledged to secure public deposits	21,500,000		21,800,000
Investment securities pledged to secure debt	$ 24,500,000		$ 25,000,000
Number of securities matured | security	2
Number of securities purchased | security	0
Sale of securities	$ 0	$ 0
Number of securities in unrealized loss position	13		9
Gross unrealized losses for investment securities	$ 525,000
Maturity of time horizon	1 year

Investments Securities - Summar

Investments Securities - Summary of Investment Securities Continuous Unrealized Loss Position (Details) $ in Thousands	Mar. 31, 2024 USD ($)
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	41
Available-for-sale, 12 Months or Greater, Gross Unrealized Losses	3
Available-for-Sale, Total Fair Value	41
Available-for-Sale, Total Gross Unrealized Losses	3
Debt Securities, Held-to-Maturity, Unrealized Loss Position, Accumulated Loss [Abstract]
Total investment securities, Less Than 12 Months, Fair Value	19,713
Total investment securities, Less Than 12 Months, Gross Unrealized Losses	70
Total investment securities, 12 Months or Greater, Fair Value	11,759
Total investment securities, 12 Months or Greater, Gross Unrealized Losses	455
Total investment securities, Total Fair Value	31,472
Total investment securities, Total Gross Unrealized Losses	525
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	0
Available-for-sale, 12 Months or Greater, Gross Unrealized Losses	0
Available-for-Sale, Total Fair Value	0
Available-for-Sale, Total Gross Unrealized Losses	0
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	41
Available-for-sale, 12 Months or Greater, Gross Unrealized Losses	3
Available-for-Sale, Total Fair Value	41
Available-for-Sale, Total Gross Unrealized Losses	3
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	19,713
Held-to-maturity, Less Than 12 Months, Gross Unrealized Losses	70
Held-to-maturity, 12 Months or Greater, Fair Value	11,718
Held-to-maturity, 12 Months or Greater, Gross Unrealized Losses	452
Held-to-Maturity, Total Fair Value	31,431
Held-to-Maturity, Total Gross Unrealized Losses	$ 522

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses - Additional Information (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($) loan	Mar. 31, 2023 USD ($) loan	Apr. 01, 2024 USD ($)	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Financing Receivable, Allowance for Credit Loss [Line Items]
Transfer from loans to loans held for sale	$ 101,289	$ 101,219
Gain on sales of loans, net	0	$ 123
Loans held for sale	797			$ 0
Accrued interest on loans	23,700			25,600
Pledged loans	3,060,296			2,909,134
Balance of SBA and USDA loans and participations sold and serviced	7,400			8,700
Balance of main street lending program loans and participations serviced	53,400			53,400
Purchased loans				8,100
Unamortized premium	152			154
Purchased participation loans	51,300			53,500
90 Days or More Past Due and Still Accruing	$ 48,368			46,524
Threshold period for past due loans (in days)	90 days
Accounts receivable, noncurrent, 90 days or more past due, still accruing				46,500
Number of loans restructured as troubled debt restructurings | loan	0	0
Allowance for credit losses	$ 139,258	$ 89,123		116,958	$ 74,029
Loans receivable	3,199,554			3,026,092
Owner-Occupied Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Commercial real estate loans	386,700
Non-Owner-Occupied Real Estate
Financing Receivable, Allowance for Credit Loss [Line Items]
Commercial real estate loans	575,600
Multi-Family Residential Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Commercial real estate loans	369,400
Farmland Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Commercial real estate loans	10,900
Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses					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	$ 44,300
Company's responsibility for credit losses (in percent)	10%
Loans receivable	$ 317,800
Amount of loans that company is responsible for credit loss	$ 32,000
CCBX | Subsequent Event
Financing Receivable, Allowance for Credit Loss [Line Items]
Company's responsibility for credit losses (in percent)			5%
Amount of loans that company is responsible for credit loss			$ 16,000
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	$ 985,600			1,010,000
Commercial And Industrial Loans Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Capital call lines, provided to venture capital firms	135,700			87,500
Balance of main street lending program loans and participations serviced	2,800			2,800
Allowance for credit losses	10,790	8,651		8,877	4,831
Loans receivable	154,395			149,502
Commercial And Industrial Loans Portfolio Segment [Member] | Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses					1,428
Consumer And Other Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Overdrafts included in loans	1,300			2,800
Allowance for credit losses	99,764	$ 60,236		81,205	50,996
Loans receivable	1,447			1,628
Consumer And Other Loans [Member] | 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	17			255
CCBX
Financing Receivable, Allowance for Credit Loss [Line Items]
Overdrafts included in loans	$ 1,300			2,500
Threshold period for past due loans (in 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
Threshold period for past due loans, charge off (in 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
Threshold period for past due loans, charge off (in days)	180 days
CCBX Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Transfer from loans to loans held for sale	$ 101,300
Proceeds from sales of loans held for sale	100,500
Consumer and other loans	868,700			816,400
Commercial and industrial loans	5,300			6,300
Residential real estate loans	265,100			238,000
CCBX Loans | Consumer Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Purchased loans	56,000			46,500
Consumer and other loans	50,700			40,200
Unsecured CCBX Partner Loan
Financing Receivable, Allowance for Credit Loss [Line Items]
Commercial and industrial loans	47,200
CARES Act Paycheck Protection Program | Commercial And Industrial Loans Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Balance of SBA and USDA loans and participations serviced	$ 2,900			3,000
Small Business Administration | Commercial And Industrial Loans Portfolio Segment [Member]
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	$ 135,700			$ 87,500

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses - Composition of Loan Portfolio (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	$ 3,207,016	$ 3,033,392
Financing Receivable, Unamortized Loan Cost (Fee) and Purchase Premium (Discount)	(7,462)	(7,300)
Loans receivable	3,199,554	3,026,092
Construction, land and land development loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable
Real Estate Portfolio Segment | Residential real estate loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Loans receivable	231,157	225,391
Real Estate Portfolio Segment | Commercial real estate loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Loans receivable	1,342,489	1,303,533
Consumer And Other Loans [Member]
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Loans receivable	1,447	1,628
Community Bank
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	1,890,350	1,837,154
Community Bank | Commercial and industrial loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	154,395	149,502
Community Bank | Construction, land and land development loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	160,862	157,100
Community Bank | Real Estate Portfolio Segment | Residential real estate loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	231,157	225,391
Community Bank | Real Estate Portfolio Segment | Commercial real estate loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	1,342,489	1,303,533
Community Bank | Consumer And Other Loans [Member]
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	1,447	1,628
CCBX
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	1,316,666	1,196,238
CCBX | Commercial and industrial loans | Capital call lines
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	135,671	87,494
CCBX | Commercial and industrial loans | All other commercial & industrial loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	47,160	54,298
CCBX | Real Estate Portfolio Segment | Residential real estate loans
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	265,148	238,035
CCBX | Consumer And Other Loans [Member]
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	362,981	310,574
CCBX | Consumer And Other Loans [Member] | Credit Card
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Line Items]
Gross loans receivable	$ 505,706	$ 505,837

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	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	$ 3,207,016	$ 3,033,392
90 Days or More Past Due and Still Accruing	48,368	46,524
Financing Receivable, Unamortized Loan Cost (Fee) and Purchase Premium (Discount)	(7,462)	(7,300)
Loans receivable	3,199,554	3,026,092
30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	58,620	64,705
90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	56,143	53,669
Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	114,763	118,374
Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	3,092,253	2,915,018
Construction, land and land development loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable
90 Days or More Past Due and Still Accruing
Construction, land and land development loans | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable
Construction, land and land development loans | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable
Construction, land and land development loans | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable
Construction, land and land development loans | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable
Real Estate Portfolio Segment | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans receivable	231,157	225,391
Real Estate Portfolio Segment | Commercial real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Loans receivable	1,342,489	1,303,533
Consumer And Other Loans [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Loans receivable	1,447	1,628
Community Bank
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,890,350	1,837,154
90 Days or More Past Due and Still Accruing	1,445	0
Community Bank | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,089	46
Community Bank | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	9,220	7,145
Community Bank | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	10,309	7,191
Community Bank | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,880,041	1,829,963
Community Bank | Commercial and industrial loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	154,395	149,502
90 Days or More Past Due and Still Accruing	1,445	0
Community Bank | Commercial and industrial loans | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0	0
Community Bank | Commercial and industrial loans | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,445	0
Community Bank | Commercial and industrial loans | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,445	0
Community Bank | Commercial and industrial loans | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	152,950	149,502
Community Bank | Construction, land and land development loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	160,862	157,100
90 Days or More Past Due and Still Accruing	0	0
Community Bank | Construction, land and land development loans | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0	0
Community Bank | Construction, land and land development loans | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0	0
Community Bank | Construction, land and land development loans | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0	0
Community Bank | Construction, land and land development loans | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	160,862	157,100
Community Bank | Real Estate Portfolio Segment | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	231,157	225,391
90 Days or More Past Due and Still Accruing	0	0
Community Bank | Real Estate Portfolio Segment | Commercial real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,342,489	1,303,533
90 Days or More Past Due and Still Accruing	0	0
Community Bank | Real Estate Portfolio Segment | 30-89 Days Past Due | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,086	44
Community Bank | Real Estate Portfolio Segment | 30-89 Days Past Due | Commercial real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0	0
Community Bank | Real Estate Portfolio Segment | 90 Days or More Past Due | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	44	0
Community Bank | Real Estate Portfolio Segment | 90 Days or More Past Due | Commercial real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	7,731	7,145
Community Bank | Real Estate Portfolio Segment | Total Past Due | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,130	44
Community Bank | Real Estate Portfolio Segment | Total Past Due | Commercial real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	7,731	7,145
Community Bank | Real Estate Portfolio Segment | Current | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	230,027	225,347
Community Bank | Real Estate Portfolio Segment | Current | Commercial real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,334,758	1,296,388
Community Bank | Consumer And Other Loans [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,447	1,628
90 Days or More Past Due and Still Accruing	0	0
Community Bank | Consumer And Other Loans [Member] | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	3	2
Community Bank | Consumer And Other Loans [Member] | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0	0
Community Bank | Consumer And Other Loans [Member] | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	3	2
Community Bank | Consumer And Other Loans [Member] | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,444	1,626
CCBX
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,316,666	1,196,238
90 Days or More Past Due and Still Accruing	46,923	46,524
CCBX | 30-89 Days Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	57,531	64,659
CCBX | 90 Days or More Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	46,923	46,524
CCBX | Total Past Due
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	104,454	111,183
CCBX | Current
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,212,212	1,085,055
CCBX | Commercial and industrial loans | Capital call lines
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	135,671	87,494
90 Days or More Past Due and Still Accruing	0	0
CCBX | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	47,160	54,298
90 Days or More Past Due and Still Accruing	1,793	2,086
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	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	3,069	3,433
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	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	1,793	2,086
CCBX | Commercial and industrial loans | Total Past Due | Capital call lines
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	0	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	4,862	5,519
CCBX | Commercial and industrial loans | Current | Capital call lines
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	135,671	87,494
CCBX | Commercial and industrial loans | Current | CCBX Other Commercial and Industrial Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	42,298	48,779
CCBX | Real Estate Portfolio Segment | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	265,148	238,035
90 Days or More Past Due and Still Accruing	1,796	1,115
CCBX | Real Estate Portfolio Segment | 30-89 Days Past Due | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	3,079	3,198
CCBX | Real Estate Portfolio Segment | 90 Days or More Past Due | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	1,796	1,115
CCBX | Real Estate Portfolio Segment | Total Past Due | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	4,875	4,313
CCBX | Real Estate Portfolio Segment | Current | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	260,273	233,722
CCBX | Consumer And Other Loans [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	362,981	310,574
CCBX | Consumer And Other Loans [Member] | Credit Card
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	505,706	505,837
90 Days or More Past Due and Still Accruing	37,603	34,835
CCBX | Consumer And Other Loans [Member] | Other Consumer and Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	362,981	310,574
90 Days or More Past Due and Still Accruing	5,731	8,488
CCBX | Consumer And Other Loans [Member] | 30-89 Days Past Due | Credit Card
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	27,983	28,383
CCBX | Consumer And Other Loans [Member] | 30-89 Days Past Due | Other Consumer and Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	23,400	29,645
CCBX | Consumer And Other Loans [Member] | 90 Days or More Past Due | Credit Card
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	37,603	34,835
CCBX | Consumer And Other Loans [Member] | 90 Days or More Past Due | Other Consumer and Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	5,731	8,488
CCBX | Consumer And Other Loans [Member] | Total Past Due | Credit Card
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	65,586	63,218
CCBX | Consumer And Other Loans [Member] | Total Past Due | Other Consumer and Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	29,131	38,133
CCBX | Consumer And Other Loans [Member] | Current | Credit Card
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	440,120	442,619
CCBX | Consumer And Other Loans [Member] | Current | Other Consumer and Other Loans
Financing Receivable Recorded Investment Past Due [Line Items]
Gross loans receivable	$ 333,850	$ 272,441

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses - Analysis of Nonaccrual Loans by Category (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Real Estate Portfolio Segment | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Total nonaccrual loans	$ 212	$ 170
Community Bank
Financing Receivable Recorded Investment Past Due [Line Items]
Total nonaccrual loans	7,943	7,315
Nonaccrual with No ACL	1,042	7,315
Nonaccrual with ACL	6,901
Community Bank | Commercial And Industrial Loans Portfolio Segment [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total nonaccrual loans	0	0
Nonaccrual with No ACL	0	0
Nonaccrual with ACL	0
Community Bank | Real Estate Portfolio Segment | Construction, land and land development loans
Financing Receivable Recorded Investment Past Due [Line Items]
Total nonaccrual loans	0	0
Nonaccrual with No ACL	0	0
Nonaccrual with ACL	0
Community Bank | Real Estate Portfolio Segment | Residential real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Nonaccrual with No ACL	212	170
Nonaccrual with ACL	0
Community Bank | Real Estate Portfolio Segment | Commercial real estate loans
Financing Receivable Recorded Investment Past Due [Line Items]
Total nonaccrual loans	7,731	7,145
Nonaccrual with No ACL	830	7,145
Nonaccrual with ACL	6,901
Community Bank | Consumer And Other Loans [Member]
Financing Receivable Recorded Investment Past Due [Line Items]
Total nonaccrual loans	0	0
Nonaccrual with No ACL	0	$ 0
Nonaccrual with ACL	$ 0

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses - Loans Experiencing Financial Difficulty and Modified (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2024 USD ($)
Financing Receivable, Modified [Line Items]
Additional amount committed to lend	$ 589
CCBX
Financing Receivable, Modified [Line Items]
Total	$ 31,243
Total Class of Financing Receivable	0.98%
Weighted Average Interest Rate Reduction	18%
Weighted Average Term Extension (years)	11 months 19 days
Total	$ 19,114
CCBX | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans
Financing Receivable, Modified [Line Items]
Total	$ 1,621
Total Class of Financing Receivable	3.44%
Weighted Average Interest Rate Reduction	0%
Weighted Average Term Extension (years)	11 months 12 days
Total	$ 977
CCBX | Real Estate Portfolio Segment | Residential real estate loans
Financing Receivable, Modified [Line Items]
Weighted Average Interest Rate Reduction	0%
CCBX | Consumer And Other Loans [Member] | Credit Card
Financing Receivable, Modified [Line Items]
Total	$ 7,063
Total Class of Financing Receivable	1.40%
Weighted Average Interest Rate Reduction	18%
Total	$ 5,291
CCBX | Consumer And Other Loans [Member] | Other Consumer and Other Loans
Financing Receivable, Modified [Line Items]
Total	$ 22,559
Total Class of Financing Receivable	6.21%
Weighted Average Interest Rate Reduction	0%
Weighted Average Term Extension (years)	11 months 19 days
Total	$ 12,846
CCBX | Principal Forgiveness
Financing Receivable, Modified [Line Items]
Total	42
CCBX | Principal Forgiveness | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Total	4,037
CCBX | Principal Forgiveness | 90 Days or More Past Due
Financing Receivable, Modified [Line Items]
Total	2,877
CCBX | Principal Forgiveness | Total Past Due
Financing Receivable, Modified [Line Items]
Total	6,914
CCBX | Principal Forgiveness | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans
Financing Receivable, Modified [Line Items]
Total	0
CCBX | Principal Forgiveness | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Total	242
CCBX | Principal Forgiveness | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans | 90 Days or More Past Due
Financing Receivable, Modified [Line Items]
Total	97
CCBX | Principal Forgiveness | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans | Total Past Due
Financing Receivable, Modified [Line Items]
Total	339
CCBX | Principal Forgiveness | Real Estate Portfolio Segment | Residential real estate loans
Financing Receivable, Modified [Line Items]
Total	42
CCBX | Principal Forgiveness | Consumer And Other Loans [Member] | Credit Card
Financing Receivable, Modified [Line Items]
Total	0
CCBX | Principal Forgiveness | Consumer And Other Loans [Member] | Credit Card | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Total	1,512
CCBX | Principal Forgiveness | Consumer And Other Loans [Member] | Credit Card | 90 Days or More Past Due
Financing Receivable, Modified [Line Items]
Total	2,069
CCBX | Principal Forgiveness | Consumer And Other Loans [Member] | Credit Card | Total Past Due
Financing Receivable, Modified [Line Items]
Total	3,581
CCBX | Principal Forgiveness | Consumer And Other Loans [Member] | Other Consumer and Other Loans
Financing Receivable, Modified [Line Items]
Total	0
CCBX | Principal Forgiveness | Consumer And Other Loans [Member] | Other Consumer and Other Loans | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Total	2,283
CCBX | Principal Forgiveness | Consumer And Other Loans [Member] | Other Consumer and Other Loans | 90 Days or More Past Due
Financing Receivable, Modified [Line Items]
Total	711
CCBX | Principal Forgiveness | Consumer And Other Loans [Member] | Other Consumer and Other Loans | Total Past Due
Financing Receivable, Modified [Line Items]
Total	2,994
CCBX | Term Extension
Financing Receivable, Modified [Line Items]
Total	11,369
Total	6,356
CCBX | Term Extension | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans
Financing Receivable, Modified [Line Items]
Total	1,314
Total	777
CCBX | Term Extension | Consumer And Other Loans [Member] | Credit Card
Financing Receivable, Modified [Line Items]
Total	0
Total	0
CCBX | Term Extension | Consumer And Other Loans [Member] | Other Consumer and Other Loans
Financing Receivable, Modified [Line Items]
Total	10,055
Total	5,579
CCBX | Interest Rate Reduction
Financing Receivable, Modified [Line Items]
Total	7,063
Total	5,291
CCBX | Interest Rate Reduction | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans
Financing Receivable, Modified [Line Items]
Total	0
Total	0
CCBX | Interest Rate Reduction | Consumer And Other Loans [Member] | Credit Card
Financing Receivable, Modified [Line Items]
Total	7,063
Total	5,291
CCBX | Interest Rate Reduction | Consumer And Other Loans [Member] | Other Consumer and Other Loans
Financing Receivable, Modified [Line Items]
Total	0
Total	0
CCBX | Principal Forgiveness & Payment Delay
Financing Receivable, Modified [Line Items]
Total	7,723
Total	4,399
CCBX | Principal Forgiveness & Payment Delay | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans
Financing Receivable, Modified [Line Items]
Total	260
Total	189
CCBX | Principal Forgiveness & Payment Delay | Consumer And Other Loans [Member] | Credit Card
Financing Receivable, Modified [Line Items]
Total	0
Total	0
CCBX | Principal Forgiveness & Payment Delay | Consumer And Other Loans [Member] | Other Consumer and Other Loans
Financing Receivable, Modified [Line Items]
Total	7,463
Total	4,210
CCBX | Principal Forgiveness, Payment Delay & Term Extension
Financing Receivable, Modified [Line Items]
Total	5,088
Total	3,068
CCBX | Principal Forgiveness, Payment Delay & Term Extension | Commercial and industrial loans | CCBX Other Commercial and Industrial Loans
Financing Receivable, Modified [Line Items]
Total	47
Total	11
CCBX | Principal Forgiveness, Payment Delay & Term Extension | Consumer And Other Loans [Member] | Credit Card
Financing Receivable, Modified [Line Items]
Total	0
Total	0
CCBX | Principal Forgiveness, Payment Delay & Term Extension | Consumer And Other Loans [Member] | Other Consumer and Other Loans
Financing Receivable, Modified [Line Items]
Total	5,041
Total	$ 3,057

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses - Summary of Risk Category of Loans by Class of Loans (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	$ 3,199,554	$ 3,026,092
Total Community Bank Loans Portfolio Segment
Financing Receivable, Credit Quality Indicator [Line Items]
2024	71,624	367,855
2023, current period gross write-offs	15	18
2023	387,679	455,021
2022, current period gross write-offs	0	0
2022	442,585	309,306
2021, current period gross write-offs	0	0
2021	299,838	192,002
2020, current period gross write-offs	0	0
2020	181,567	179,206
2019, current period gross write-offs	0	0
Prior	429,341	261,254
Prior, current period gross write-offs	0	46
Revolving Loans Amortized Cost Basis	74,971	69,583
Revolving Loans Amortized Cost Basis, current period gross write-offs	0	0
Revolving Loans Converted To Term	2,745	2,927
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	1,890,350	1,837,154
Total, current period gross write-offs	15	64
Total Community Bank Loans Portfolio Segment | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	71,624	367,855
2023	387,679	450,666
2022	438,252	297,806
2021	291,633	188,443
2020	180,442	171,800
Prior	418,095	259,115
Revolving Loans Amortized Cost Basis	70,248	65,464
Revolving Loans Converted To Term	2,577	2,757
Loans receivable	1,860,550	1,803,906
Total Community Bank Loans Portfolio Segment | Other Loan Especially Mentioned
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	4,355
2022	4,333	11,500
2021	8,205	2,635
2020	295	506
Prior	4,345	2,139
Revolving Loans Amortized Cost Basis	4,679	3,368
Revolving Loans Converted To Term	0	0
Loans receivable	21,857	24,503
Total Community Bank Loans Portfolio Segment | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	924
2020	830	6,900
Prior	6,901	0
Revolving Loans Amortized Cost Basis	44	751
Revolving Loans Converted To Term	168	170
Loans receivable	7,943	8,745
Total Community Bank Loans Portfolio Segment | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted To Term	0	0
Loans receivable	0	0
Commercial And Industrial Loans Portfolio Segment [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	5,867	15,882
2023, current period gross write-offs	0	0
2023	14,062	56,428
2022, current period gross write-offs	0	0
2022	55,194	15,566
2021, current period gross write-offs	0	0
2021	14,970	10,155
2020, current period gross write-offs	0	0
2020	9,685	12,429
2019, current period gross write-offs	0	0
Prior	13,338	1,442
Prior, current period gross write-offs	0	46
Revolving Loans Amortized Cost Basis	40,423	36,580
Revolving Loans Amortized Cost Basis, current period gross write-offs	0	0
Revolving Loans Converted To Term	856	1,020
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	154,395	149,502
Total, current period gross write-offs	0	46
Commercial And Industrial Loans Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	5,867	15,882
2023	14,062	56,428
2022	55,194	15,566
2021	14,970	10,044
2020	9,580	12,429
Prior	13,338	1,442
Revolving Loans Amortized Cost Basis	36,764	33,412
Revolving Loans Converted To Term	856	1,020
Loans receivable	150,631	146,223
Commercial And Industrial Loans Portfolio Segment [Member] | Other Loan Especially Mentioned
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	111
2020	105	0
Prior	0	0
Revolving Loans Amortized Cost Basis	3,659	3,168
Revolving Loans Converted To Term	0	0
Loans receivable	3,764	3,279
Commercial And Industrial Loans Portfolio Segment [Member] | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted To Term	0	0
Loans receivable	0	0
Commercial And Industrial Loans Portfolio Segment [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted To Term	0	0
Loans receivable	0	0
Real Estate Portfolio Segment | Construction, land and land development loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	2,537	75,129
2023, current period gross write-offs	0	0
2023	99,547	49,275
2022, current period gross write-offs	0	0
2022	39,591	24,400
2021, current period gross write-offs	0	0
2021	15,216	5,184
2020, current period gross write-offs	0	0
2020	772	914
2019, current period gross write-offs	0	0
Prior	2,239	1,598
Prior, current period gross write-offs	0	0
Revolving Loans Amortized Cost Basis	960	600
Revolving Loans Amortized Cost Basis, current period gross write-offs	0	0
Revolving Loans Converted To Term	0	0
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	160,862	157,100
Total, current period gross write-offs	0	0
Real Estate Portfolio Segment | Construction, land and land development loans | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	2,537	75,129
2023	99,547	49,275
2022	39,591	20,811
2021	14,757	2,859
2020	772	914
Prior	2,239	1,598
Revolving Loans Amortized Cost Basis	360	0
Revolving Loans Converted To Term	0	0
Loans receivable	159,803	150,586
Real Estate Portfolio Segment | Construction, land and land development loans | Other Loan Especially Mentioned
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	3,589
2021	459	2,325
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	600	0
Revolving Loans Converted To Term	0	0
Loans receivable	1,059	5,914
Real Estate Portfolio Segment | Construction, land and land development loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	600
Revolving Loans Converted To Term	0	0
Loans receivable	0	600
Real Estate Portfolio Segment | Construction, land and land development loans | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted To Term	0	0
Loans receivable	0	0
Real Estate Portfolio Segment | Residential real estate loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	6,802	32,352
2023, current period gross write-offs	0	0
2023	32,483	42,460
2022, current period gross write-offs	0	0
2022	42,639	41,157
2021, current period gross write-offs	0	0
2021	40,902	30,287
2020, current period gross write-offs	0	0
2020	29,113	31,982
2019, current period gross write-offs	0	0
Prior	53,944	22,469
Prior, current period gross write-offs	0	0
Revolving Loans Amortized Cost Basis	25,089	24,496
Revolving Loans Amortized Cost Basis, current period gross write-offs	0	0
Revolving Loans Converted To Term	185	188
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	231,157	225,391
Total, current period gross write-offs	0	0
Real Estate Portfolio Segment | Residential real estate loans | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	6,802	32,352
2023	32,483	41,362
2022	41,545	39,137
2021	38,889	30,259
2020	29,091	31,982
Prior	53,905	22,429
Revolving Loans Amortized Cost Basis	24,795	24,396
Revolving Loans Converted To Term	17	18
Loans receivable	227,527	221,935
Real Estate Portfolio Segment | Residential real estate loans | Other Loan Especially Mentioned
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	1,098
2022	1,094	2,020
2021	2,013	28
2020	22	0
Prior	39	40
Revolving Loans Amortized Cost Basis	250	100
Revolving Loans Converted To Term	0	0
Loans receivable	3,418	3,286
Real Estate Portfolio Segment | Residential real estate loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	44	0
Revolving Loans Converted To Term	168	170
Loans receivable	212	170
Real Estate Portfolio Segment | Residential real estate loans | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted To Term	0	0
Loans receivable	0	0
Real Estate Portfolio Segment | Commercial real estate loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	56,325	244,169
2023, current period gross write-offs	0	0
2023	241,523	306,586
2022, current period gross write-offs	0	0
2022	304,922	228,178
2021, current period gross write-offs	0	0
2021	228,745	145,697
2020, current period gross write-offs	0	0
2020	141,327	133,843
2019, current period gross write-offs	0	0
Prior	359,635	235,581
Prior, current period gross write-offs	0	0
Revolving Loans Amortized Cost Basis	8,308	7,760
Revolving Loans Amortized Cost Basis, current period gross write-offs	0	0
Revolving Loans Converted To Term	1,704	1,719
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	1,342,489	1,303,533
Total, current period gross write-offs	0	0
Real Estate Portfolio Segment | Commercial real estate loans | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	56,325	244,169
2023	241,523	303,329
2022	301,683	222,287
2021	223,012	144,602
2020	140,329	126,437
Prior	348,428	233,482
Revolving Loans Amortized Cost Basis	8,138	7,509
Revolving Loans Converted To Term	1,704	1,719
Loans receivable	1,321,142	1,283,534
Real Estate Portfolio Segment | Commercial real estate loans | Other Loan Especially Mentioned
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	3,257
2022	3,239	5,891
2021	5,733	171
2020	168	506
Prior	4,306	2,099
Revolving Loans Amortized Cost Basis	170	100
Revolving Loans Converted To Term	0	0
Loans receivable	13,616	12,024
Real Estate Portfolio Segment | Commercial real estate loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	924
2020	830	6,900
Prior	6,901	0
Revolving Loans Amortized Cost Basis	0	151
Revolving Loans Converted To Term	0	0
Loans receivable	7,731	7,975
Real Estate Portfolio Segment | Commercial real estate loans | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted To Term	0	0
Loans receivable	0	0
Consumer And Other Loans [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	93	323
2023, current period gross write-offs	15	18
2023	64	272
2022, current period gross write-offs	0	0
2022	239	5
2021, current period gross write-offs	0	0
2021	5	679
2020, current period gross write-offs	0	0
2020	670	38
2019, current period gross write-offs	0	0
Prior	185	164
Prior, current period gross write-offs	0	0
Revolving Loans Amortized Cost Basis	191	147
Revolving Loans Amortized Cost Basis, current period gross write-offs	0	0
Revolving Loans Converted To Term	0	0
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	1,447	1,628
Total, current period gross write-offs	15	18
Consumer And Other Loans [Member] | Pass [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	93	323
2023	64	272
2022	239	5
2021	5	679
2020	670	38
Prior	185	164
Revolving Loans Amortized Cost Basis	191	147
Revolving Loans Converted To Term	0	0
Loans receivable	1,447	1,628
Consumer And Other Loans [Member] | Other Loan Especially Mentioned
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted To Term	0	0
Loans receivable	0	0
Consumer And Other Loans [Member] | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted To Term	0	0
Loans receivable	0	0
Consumer And Other Loans [Member] | Doubtful [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted To Term	0	0
Loans receivable	$ 0	$ 0

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses - Summary of Amortized Cost of CCBX Loans (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2024	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable	$ 3,199,554	$ 3,026,092
Total CCBX Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	111,255	263,853
2023, current period gross write-offs	531	21,663
2023	219,202	60,918
2022, current period gross write-offs	15,312	45,617
2022	48,314	7,374
2021, current period gross write-offs	6,979	11,589
2021	5,579	109
2020, current period gross write-offs	1,594	100
2020	101	425
2019, current period gross write-offs	2	346
Prior	597	327
Prior, current period gross write-offs	71	217
Revolving Loans Amortized Cost Basis	910,534	835,614
Revolving Loans Amortized Cost Basis, current period gross write-offs	34,490	72,401
Revolving Loans Converted To Term	21,084	27,618
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	1,316,666	1,196,238
Total, current period gross write-offs	58,979	151,933
Commercial And Industrial Loans Portfolio Segment [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	5,867	15,882
2023, current period gross write-offs	0	0
2023	14,062	56,428
2022, current period gross write-offs	0	0
2022	55,194	15,566
2021, current period gross write-offs	0	0
2021	14,970	10,155
2020, current period gross write-offs	0	0
2020	9,685	12,429
2019, current period gross write-offs	0	0
Prior	13,338	1,442
Prior, current period gross write-offs	0	46
Revolving Loans Amortized Cost Basis	40,423	36,580
Revolving Loans Amortized Cost Basis, current period gross write-offs	0	0
Revolving Loans Converted To Term	856	1,020
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	154,395	149,502
Total, current period gross write-offs	0	46
Commercial And Industrial Loans Portfolio Segment [Member] | Capital call lines | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023, current period gross write-offs	0	0
2023	0	0
2022, current period gross write-offs	0	0
2022	0	0
2021, current period gross write-offs	0	0
2021	0	0
2020, current period gross write-offs	0	0
2020	0	0
2019, current period gross write-offs	0	0
Prior	0	0
Prior, current period gross write-offs	0	0
Revolving Loans Amortized Cost Basis	135,671	87,494
Revolving Loans Amortized Cost Basis, current period gross write-offs	0	0
Revolving Loans Converted To Term	0	0
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	135,671	87,494
Total, current period gross write-offs	0	0
Commercial And Industrial Loans Portfolio Segment [Member] | CCBX Other Commercial and Industrial Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	43,600
2023, current period gross write-offs	46	3,848
2023	37,439	7,112
2022, current period gross write-offs	3,770	2,502
2022	6,029	9
2021, current period gross write-offs	683	15
2021	9	11
2020, current period gross write-offs	0	16
2020	10	0
2019, current period gross write-offs	0	0
Prior	0	0
Prior, current period gross write-offs	0	0
Revolving Loans Amortized Cost Basis	3,673	3,566
Revolving Loans Amortized Cost Basis, current period gross write-offs	198	224
Revolving Loans Converted To Term	0	0
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	47,160	54,298
Total, current period gross write-offs	4,697	6,605
Real Estate Portfolio Segment | Residential real estate loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	6,802	32,352
2023, current period gross write-offs	0	0
2023	32,483	42,460
2022, current period gross write-offs	0	0
2022	42,639	41,157
2021, current period gross write-offs	0	0
2021	40,902	30,287
2020, current period gross write-offs	0	0
2020	29,113	31,982
2019, current period gross write-offs	0	0
Prior	53,944	22,469
Prior, current period gross write-offs	0	0
Revolving Loans Amortized Cost Basis	25,089	24,496
Revolving Loans Amortized Cost Basis, current period gross write-offs	0	0
Revolving Loans Converted To Term	185	188
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	231,157	225,391
Total, current period gross write-offs	0	0
Real Estate Portfolio Segment | Residential real estate loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023, current period gross write-offs	0	0
2023	0	0
2022, current period gross write-offs	0	0
2022	0	0
2021, current period gross write-offs	0	0
2021	0	0
2020, current period gross write-offs	0	0
2020	0	0
2019, current period gross write-offs	0	0
Prior	0	0
Prior, current period gross write-offs	0	0
Revolving Loans Amortized Cost Basis	244,129	213,550
Revolving Loans Amortized Cost Basis, current period gross write-offs	1,143	4,641
Revolving Loans Converted To Term	21,019	24,485
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	265,148	238,035
Total, current period gross write-offs	1,143	4,641
Consumer And Other Loans [Member]
Financing Receivable, Credit Quality Indicator [Line Items]
2024	93	323
2023, current period gross write-offs	15	18
2023	64	272
2022, current period gross write-offs	0	0
2022	239	5
2021, current period gross write-offs	0	0
2021	5	679
2020, current period gross write-offs	0	0
2020	670	38
2019, current period gross write-offs	0	0
Prior	185	164
Prior, current period gross write-offs	0	0
Revolving Loans Amortized Cost Basis	191	147
Revolving Loans Amortized Cost Basis, current period gross write-offs	0	0
Revolving Loans Converted To Term	0	0
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	1,447	1,628
Total, current period gross write-offs	15	18
Consumer And Other Loans [Member] | Credit Card | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023, current period gross write-offs	0	0
2023	0	0
2022, current period gross write-offs	0	0
2022	0	0
2021, current period gross write-offs	0	0
2021	0	0
2020, current period gross write-offs	0	0
2020	0	0
2019, current period gross write-offs	0	0
Prior	0	0
Prior, current period gross write-offs	0	0
Revolving Loans Amortized Cost Basis	505,641	502,704
Revolving Loans Amortized Cost Basis, current period gross write-offs	31,705	61,358
Revolving Loans Converted To Term	65	3,133
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	505,706	505,837
Total, current period gross write-offs	31,705	61,358
Consumer And Other Loans [Member] | Other Consumer and Other Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	111,255	220,253
2023, current period gross write-offs	485	17,815
2023	181,763	53,806
2022, current period gross write-offs	11,542	43,115
2022	42,285	7,365
2021, current period gross write-offs	6,296	11,574
2021	5,570	98
2020, current period gross write-offs	1,594	84
2020	91	425
2019, current period gross write-offs	2	346
Prior	597	327
Prior, current period gross write-offs	71	217
Revolving Loans Amortized Cost Basis	21,420	28,300
Revolving Loans Amortized Cost Basis, current period gross write-offs	1,444	6,178
Revolving Loans Converted To Term	0	0
Revolving Loans Converted To Term, current period gross write-offs	0	0
Loans receivable	362,981	310,574
Total, current period gross write-offs	21,434	79,329
Performing Financial Instruments | Total CCBX Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	111,255	258,291
2023	214,955	57,567
2022	46,607	6,897
2021	5,158	109
2020	101	418
Prior	574	317
Revolving Loans Amortized Cost Basis	870,009	799,677
Revolving Loans Converted To Term	21,084	26,438
Loans receivable	1,269,743	1,149,714
Performing Financial Instruments | Commercial And Industrial Loans Portfolio Segment [Member] | Capital call lines | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	135,671	87,494
Revolving Loans Converted To Term	0	0
Loans receivable	135,671	87,494
Performing Financial Instruments | Commercial And Industrial Loans Portfolio Segment [Member] | CCBX Other Commercial and Industrial Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	42,267
2023	36,254	6,835
2022	5,867	9
2021	9	11
2020	10	0
Prior	0	0
Revolving Loans Amortized Cost Basis	3,227	3,090
Revolving Loans Converted To Term	0	0
Loans receivable	45,367	52,212
Performing Financial Instruments | Real Estate Portfolio Segment | Residential real estate loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	242,333	212,435
Revolving Loans Converted To Term	21,019	24,485
Loans receivable	263,352	236,920
Performing Financial Instruments | Consumer And Other Loans [Member] | Credit Card | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	468,038	469,049
Revolving Loans Converted To Term	65	1,953
Loans receivable	468,103	471,002
Performing Financial Instruments | Consumer And Other Loans [Member] | Other Consumer and Other Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	111,255	216,024
2023	178,701	50,732
2022	40,740	6,888
2021	5,149	98
2020	91	418
Prior	574	317
Revolving Loans Amortized Cost Basis	20,740	27,609
Revolving Loans Converted To Term	0	0
Loans receivable	357,250	302,086
Nonperforming Financial Instruments | Total CCBX Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	5,562
2023	4,247	3,351
2022	1,707	477
2021	421	0
2020	0	7
Prior	23	10
Revolving Loans Amortized Cost Basis	40,525	35,937
Revolving Loans Converted To Term	0	1,180
Loans receivable	46,923	46,524
Nonperforming Financial Instruments | Commercial And Industrial Loans Portfolio Segment [Member] | Capital call lines | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted To Term	0	0
Loans receivable	0	0
Nonperforming Financial Instruments | Commercial And Industrial Loans Portfolio Segment [Member] | CCBX Other Commercial and Industrial Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	1,333
2023	1,185	277
2022	162	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	446	476
Revolving Loans Converted To Term	0	0
Loans receivable	1,793	2,086
Nonperforming Financial Instruments | Real Estate Portfolio Segment | Residential real estate loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	1,796	1,115
Revolving Loans Converted To Term	0	0
Loans receivable	1,796	1,115
Nonperforming Financial Instruments | Consumer And Other Loans [Member] | Credit Card | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	0
2023	0	0
2022	0	0
2021	0	0
2020	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	37,603	33,655
Revolving Loans Converted To Term	0	1,180
Loans receivable	37,603	34,835
Nonperforming Financial Instruments | Consumer And Other Loans [Member] | Other Consumer and Other Loans | CCBX Loans
Financing Receivable, Credit Quality Indicator [Line Items]
2024	0	4,229
2023	3,062	3,074
2022	1,545	477
2021	421	0
2020	0	7
Prior	23	10
Revolving Loans Amortized Cost Basis	680	691
Revolving Loans Converted To Term	0	0
Loans receivable	$ 5,731	$ 8,488

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses - Summary of Loans by Credit Quality Risk Rating (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable	$ 3,207,016	$ 3,033,392
Financing Receivable, Unamortized Loan Cost (Fee) and Purchase Premium (Discount)	(7,462)	(7,300)
Loans receivable	3,199,554	3,026,092
Commercial And Industrial Loans Portfolio Segment [Member]
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	154,395	149,502
Construction, land and land development loans
Loans And Leases Receivable Disclosure [Line Items]
Gross loans receivable
Real Estate Portfolio Segment | Residential real estate loans
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	231,157	225,391
Real Estate Portfolio Segment | Commercial real estate loans
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	1,342,489	1,303,533
Consumer And Other Loans [Member]
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	1,447	1,628
Pass [Member] | Commercial And Industrial Loans Portfolio Segment [Member]
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	150,631	146,223
Pass [Member] | Real Estate Portfolio Segment | Residential real estate loans
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	227,527	221,935
Pass [Member] | Real Estate Portfolio Segment | Commercial real estate loans
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	1,321,142	1,283,534
Pass [Member] | Consumer And Other Loans [Member]
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	1,447	1,628
Substandard [Member] | Commercial And Industrial Loans Portfolio Segment [Member]
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	0	0
Substandard [Member] | Real Estate Portfolio Segment | Residential real estate loans
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	212	170
Substandard [Member] | Real Estate Portfolio Segment | Commercial real estate loans
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	7,731	7,975
Substandard [Member] | Consumer And Other Loans [Member]
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	0	0
Doubtful [Member] | Commercial And Industrial Loans Portfolio Segment [Member]
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	0	0
Doubtful [Member] | Real Estate Portfolio Segment | Residential real estate loans
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	0	0
Doubtful [Member] | Real Estate Portfolio Segment | Commercial real estate loans
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	0	0
Doubtful [Member] | Consumer And Other Loans [Member]
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	0	0
Other Loan Especially Mentioned | Commercial And Industrial Loans Portfolio Segment [Member]
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	3,764	3,279
Other Loan Especially Mentioned | Real Estate Portfolio Segment | Residential real estate loans
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	3,418	3,286
Other Loan Especially Mentioned | Real Estate Portfolio Segment | Commercial real estate loans
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	13,616	12,024
Other Loan Especially Mentioned | Consumer And Other Loans [Member]
Loans And Leases Receivable Disclosure [Line Items]
Loans receivable	$ 0	$ 0

Loans and Allowance for Cred_11

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
	Mar. 31, 2024	Mar. 31, 2023
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	$ 116,958	$ 74,029
Provision for credit losses or (recapture)	79,518	43,544
Loans receivable allowance including provision losses or (recapture)	196,476	121,425
Loans charged-off	(58,994)	(34,167)
Recoveries of loans previously charged-off	1,776	1,865
Net charge-offs	(57,218)	(32,302)
Ending ALLL Balance	139,258	89,123
Accounting Standards Update 2016-13
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance		3,852
Commercial And Industrial Loans Portfolio Segment [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	8,877	4,831
Provision for credit losses or (recapture)	6,411	3,165
Loans receivable allowance including provision losses or (recapture)	15,288	9,424
Loans charged-off	(4,697)	(776)
Recoveries of loans previously charged-off	199	3
Net charge-offs	(4,498)	(773)
Ending ALLL Balance	10,790	8,651
Commercial And Industrial Loans Portfolio Segment [Member] | 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 loans
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	6,386	7,425
Provision for credit losses or (recapture)	165	(92)
Loans receivable allowance including provision losses or (recapture)	6,551	5,744
Loans charged-off	0	0
Recoveries of loans previously charged-off	0	0
Net charge-offs	0	0
Ending ALLL Balance	6,551	5,744
Construction, land and land development loans | 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 loans
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	13,049	4,142
Provision for credit losses or (recapture)	2,742	1,958
Loans receivable allowance including provision losses or (recapture)	15,791	7,723
Loans charged-off	(1,143)	(737)
Recoveries of loans previously charged-off	2	0
Net charge-offs	(1,141)	(737)
Ending ALLL Balance	14,650	6,986
Real Estate Portfolio Segment | Residential real estate loans | 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 loans
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	7,441	5,470
Provision for credit losses or (recapture)	62	796
Loans receivable allowance including provision losses or (recapture)	7,503	7,506
Loans charged-off	0	0
Recoveries of loans previously charged-off	0	0
Net charge-offs	0	0
Ending ALLL Balance	7,503	7,506
Real Estate Portfolio Segment | Commercial real estate loans | 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 [Member]
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
ALLL beginning balance	81,205	50,996
Provision for credit losses or (recapture)	70,138	37,717
Loans receivable allowance including provision losses or (recapture)	151,343	91,028
Loans charged-off	(53,154)	(32,654)
Recoveries of loans previously charged-off	1,575	1,862
Net charge-offs	(51,579)	(30,792)
Ending ALLL Balance	99,764	60,236
Consumer And Other Loans [Member] | 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	1,165
Provision for credit losses or (recapture)	0	0
Loans receivable allowance including provision losses or (recapture)	0	0
Loans charged-off	0	0
Recoveries of loans previously charged-off	0	0
Net charge-offs	0	0
Ending ALLL Balance	$ 0	0
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_12

Loans and Allowance for Credit Losses - Summary of Collateral Dependent Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses	$ (139,258)	$ (116,958)	$ (89,123)	$ (74,029)
Gross loans receivable	3,207,016	3,033,392
Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses	(1,096)	0
Loans individually evaluated	7,943	7,315
Real Estate | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	7,943	7,315
Commercial And Industrial Loans Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses	(10,790)	(8,877)	(8,651)	(4,831)
Real Estate Portfolio Segment | Residential real estate loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses	(14,650)	(13,049)	(6,986)	(4,142)
Real Estate Portfolio Segment | Residential real estate loans | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses	0	0
Loans individually evaluated	212	170
Real Estate Portfolio Segment | Residential real estate loans | Real Estate | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	212	170
Real Estate Portfolio Segment | Commercial real estate loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses	(7,503)	(7,441)	(7,506)	(5,470)
Real Estate Portfolio Segment | Commercial real estate loans | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses	(1,096)	0
Loans individually evaluated	7,731	7,145
Real Estate Portfolio Segment | Commercial real estate loans | Real Estate | Collateral Dependent Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Loans individually evaluated	7,731	7,145
Construction, land and land development loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses	(6,551)	(6,386)	(5,744)	(7,425)
Gross loans receivable
Consumer And Other Loans [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses	(99,764)	(81,205)	(60,236)	(50,996)
Unallocated
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for credit losses	$ 0	$ 0	$ 0	$ (1,165)

Deposits - Composition of Conso

Deposits - Composition of Consolidated Deposits (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Deposits [Abstract]
Demand, noninterest bearing	$ 574,112	$ 625,202
Interest bearing demand and money market	2,799,667	2,640,240
Savings	74,085	76,562
Total core deposits	3,447,864	3,342,004
Brokered deposits	1	1
Time deposits less than $250,000	11,837	13,917
Time deposits $250,000 and over	3,277	4,441
Total deposits	$ 3,462,979	$ 3,360,363

Deposits - Schedule of Maturity

Deposits - Schedule of Maturity Distribution of Time Deposits (Details) $ in Thousands	Mar. 31, 2024 USD ($)
Time Deposits, Fiscal Year Maturity [Abstract]
Twelve months	$ 10,721
One to two years	2,825
Two to three years	705
Three to four years	625
Four to five years	238
Thereafter	0
Total time deposits	$ 15,114

Deposits - Additional Informati

Deposits - Additional Information (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Deposit Liability [Line Items]
Deposits	$ 3,462,979	$ 3,360,363
Reciprocal NOW and Money Market Accounts
Deposit Liability [Line Items]
Deposits	$ 336,800

Leases - Additional Information

Leases - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Lessee Lease Description [Line Items]
Weighted average discount rate	3.88%
Operating leases weighted-average remaining lease term	9 years 3 months 18 days
Operating lease rental expense	$ 299	$ 358
Minimum
Lessee Lease Description [Line Items]
Operating leases lease term	8 months
Lessee, operating lease, renewal term	1 year
Maximum
Lessee Lease Description [Line Items]
Operating leases lease term	20 years 10 months 24 days
Lessee, operating lease, renewal term	10 years

Leases - Summary of Minimum Ann

Leases - Summary of Minimum Annual Lease Payments under Lease Terms (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Lessee, Operating Lease, Liability, Payment, Due [Abstract]
April 1 to December 31, 2024	$ 775
2026	977
2027	977
2028	913
2029	692
2029 and thereafter	2,763
Total lease payments	7,097
Less: amounts representing interest	1,151
Operating lease liabilities	$ 5,946	$ 6,124

Leases - Summary of Components

Leases - Summary of Components of Total Lease Expense and Operating Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Lease expense:
Operating lease expense	$ 255	$ 321
Variable lease expense	67	52
Total lease expense	322	373
Cash paid:
Cash paid reducing operating lease liabilities	$ 325	$ 379

Stock-Based Compensation - Addi

Stock-Based Compensation - Additional Information (Details) - USD ($)		3 Months Ended			9 Months Ended
	May 24, 2021	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023	Sep. 30, 2019
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		$ 1,400,000		$ 2,300,000
Total unrecognized compensation cost related to nonvested stock options granted		686,000
Stock-based compensation		$ 1,180,000		1,050,000
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		3 years 2 months 12 days
Stock-based compensation		$ 114,000		140,000
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		$ 10,900,000
Unrecognized compensation cost related to nonvested stock options/ RSA granted, weighted-average period		4 years 8 months 12 days
Stock-based compensation		$ 945,000		$ 812,000
Granted (in shares)		79,647,000
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		3 years 9 months 18 days
Stock-based compensation		$ 2,000
Total unrecognized compensation cost related to nonvested restricted stock awards		$ 34,000
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)		366,465
Stock options granted in period (in shares)		0		0
Total intrinsic or aggregate value of options exercise price		$ 1,394,000
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 Payment Arrangement, Tranche One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)			76,473
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)			3,174
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		2 months 12 days
Directors Stock Compensation Plan | Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation		$ 118,000		$ 96,000
Granted (in shares)		0
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		$ 76,000
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	3 Months Ended		9 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Sep. 30, 2023
Number of Shares
Granted (in shares)	0
Weighted- Average Exercise Price
Granted (in dollars per share)	$ 0
Additional Disclosures
Aggregate intrinsic value, exercised (in dollars)	$ 1,400	$ 2,300
2018 Omnibus Incentive Plan
Number of Shares
Outstanding, beginning of period (in shares)	354,969
Granted (in shares)	0	0
Exercised (in shares)	(45,140)
Expired (in shares)	0
Forfeited or expired (in shares)	(760)
Outstanding, end of period (in shares)	309,069
Vested or expected to vest, end of period (in shares)	309,069
Exercisable, end of period (in shares)	182,611
Weighted- Average Exercise Price
Outstanding, beginning of period (in dollars per share)	$ 9.11
Exercised (in dollars per share)	7.98
Expired (in dollars per share)	0
Forfeited or expired (in dollars per share)	10.02
Outstanding, end of period (in dollars per share)	9.27
Vested or expected to vest, end of period (in dollars per share)	9.27
Exercisable, end of period (in dollars per share)	$ 8.92
Additional Disclosures
Weighted average remaining contractual term, outstanding, beginning of period	3 years 2 months 12 days		3 years 3 months 18 days
Weighted average remaining contractual term, outstanding, beginning of period	3 years 2 months 12 days		3 years 3 months 18 days
Weighted average remaining contractual term, vested or expected to vest, end of period	3 years 2 months 12 days
Weighted average remaining contractual term, exercisable, end of period	2 years 10 months 24 days
Aggregate intrinsic value, outstanding, beginning of period (in dollars)	$ 12,531
Aggregate intrinsic value, exercised (in dollars)	1,394
Aggregate intrinsic value, outstanding, end of period (in dollars)	9,148
Aggregate intrinsic value, vested or expected to vest, end of period (in dollars)	9,148
Aggregate intrinsic value, exercisable, end of period (in dollars)	$ 5,469

Stock-Based Compensation - Su_2

Stock-Based Compensation - Summary of Nonvested Shares (Details)	3 Months Ended
	Mar. 31, 2024 $ / shares shares
Restricted Stock Units (RSUs)
Number of Shares
Outstanding, beginning of period (in shares) | shares	409,271,000
Granted (in shares) | shares	79,647,000
Forfeited (in shares) | shares	(12,168,000)
Vested (in shares) | shares	(57,841,000)
Outstanding, end of period (in shares) | shares	418,909,000
Weighted- Average Grant Date Fair Value
Outstanding, beginning of period (in dollars per share) | $ / shares	$ 31.22
Granted (in dollars per share) | $ / shares	38.06
Forfeited (in dollars per share) | $ / shares	36.40
Vested (in dollars per share) | $ / shares	33.36
Outstanding, end of period (in dollars per share) | $ / shares	$ 32.07
Restricted Stock | Directors Stock Compensation Plan
Number of Shares
Outstanding, beginning of period (in shares) | shares	16,038,000
Granted (in shares) | shares	0
Forfeited (in shares) | shares	0
Vested (in shares) | shares	(500,000)
Outstanding, end of period (in shares) | shares	15,538,000
Weighted- Average Grant Date Fair Value
Outstanding, beginning of period (in dollars per share) | $ / shares	$ 32.41
Granted (in dollars per share) | $ / shares	0
Forfeited (in dollars per share) | $ / shares	0
Vested (in dollars per share) | $ / shares	17.81
Outstanding, end of period (in dollars per share) | $ / shares	$ 32.88

Fair Value Measurements - Summa

Fair Value Measurements - Summary of Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Financial assets
Investment securities	$ 50,090	$ 150,364
Carrying Value
Financial assets
Cash and due from banks	32,790	31,345
Interest earning deposits with other banks	482,338	451,783
Investment securities	50,090	150,364
Other investments	10,583	10,227
Loans receivable	3,199,554	3,026,092
Accrued interest receivable	24,681	26,819
Financial liabilities
Deposits	3,462,979	3,360,363
Subordinated debt	44,181	44,144
Junior subordinated debentures	3,590	3,590
Accrued interest payable	1,061	892
Estimated Fair Value
Financial assets
Cash and due from banks	32,790	31,345
Interest earning deposits with other banks	482,338	451,783
Investment securities	49,791	150,545
Other investments	10,583	10,227
Loans receivable	3,102,679	2,936,917
Accrued interest receivable	24,681	26,819
Financial liabilities
Deposits	3,462,458	3,359,867
Subordinated debt	43,572	43,908
Junior subordinated debentures	3,498	3,491
Accrued interest payable	1,061	892
Estimated Fair Value | Level 1
Financial assets
Cash and due from banks	32,790	31,345
Interest earning deposits with other banks	482,338	451,783
Investment securities	0	99,461
Other investments	0	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	49,791	51,084
Other investments	7,961	7,605
Loans receivable	0	0
Accrued interest receivable	24,681	26,819
Financial liabilities
Deposits	3,462,458	3,359,867
Subordinated debt	43,572	43,908
Junior subordinated debentures	3,498	3,491
Accrued interest payable	1,061	892
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	2,622	2,622
Loans receivable	3,102,679	2,936,917
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	Mar. 31, 2024	Dec. 31, 2023
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	$ 41	$ 99,504
Estimated Fair Value | Recurring
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	41	99,504
Estimated Fair Value | Recurring | U.S. Treasury securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	0	99,461
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	41	43
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		0
Estimated Fair Value | Recurring | Municipals
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	0	0
Estimated Fair Value | Recurring | Level 1
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	0	99,461
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	0	99,461
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	41	43
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	41	43
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		0
Estimated Fair Value | Recurring | Level 2 | Municipals
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Fair Value	0	0
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	Mar. 31, 2024	Dec. 31, 2023
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	$ 9,469	$ 9,937
Collateral dependent loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	6,847	7,315
Equity securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	2,622	2,622
Level 1
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	0	0
Level 1 | Collateral dependent loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	0	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 | Collateral dependent loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	0	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	9,469	9,937
Level 3 | Collateral dependent loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	6,847	7,315
Level 3 | Equity securities
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis [Line Items]
Total Fair Value	$ 2,622	$ 2,622

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
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Specialized Bank Technology Company
Equity Securities Without Readily Determinable Fair Value [Line Items]
Equity interest	$ 2,200		$ 2,200
Technology Company
Equity Securities Without Readily Determinable Fair Value [Line Items]
Equity interest	350		350
Additional Technology Company
Equity Securities Without Readily Determinable Fair Value [Line Items]
Equity interest	50		$ 50
Level 3
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Carrying value, beginning of period	2,622	$ 2,572
Purchases	0	0
Observable price change	0	0
Carrying value, end of period	$ 2,622	$ 2,572

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)	3 Months Ended	9 Months Ended
	Mar. 31, 2024	Sep. 30, 2023
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	8.10%	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
	Mar. 31, 2024	Mar. 31, 2023
Net Income (Loss) Available to Common Stockholders, Diluted [Abstract]
Net Income	$ 6,800	$ 12,391
Basic weighted average number common shares outstanding (in shares)	13,340,997	13,196,960
Dilutive effect of equity-based awards (in shares)	335,920	412,531
Diluted weighted average number common shares outstanding (in shares)	13,676,917	13,609,491
Basic earnings per share (in usd per share)	$ 0.51	$ 0.94
Diluted earnings per share (in usd per share)	$ 0.50	$ 0.91
Stock Options and Restricted Stock
Net Income (Loss) Available to Common Stockholders, Diluted [Abstract]
Antidilutive stock options and restricted stock outstanding (in shares)	153,659	124,714

Segment Reporting - Additional

Segment Reporting - Additional Information (Details)	3 Months Ended
	Mar. 31, 2024 segment location partner
Segment Reporting Information [Line Items]
Number of operating segments | segment	3
Number of reportable segments | segment	3
CCBX
Segment Reporting Information [Line Items]
Number of Partners | partner	21
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
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and Due from Banks	$ 515,128		$ 483,128
Intrabank assets	0		0
Securities	50,090		150,364
Loans held for sale	797		0
Total loans receivable	3,199,554		3,026,092
Allowance for credit losses	(139,258)	$ (89,123)	(116,958)	$ (74,029)
Other assets	238,947		210,740
Total assets	3,865,258		3,753,366
LIABILITIES
Deposits	3,462,979		3,360,363
Other Borrowings	47,771		47,734
Intrabank liabilities	0		0
Other liabilities	50,799		50,291
Total liabilities	3,561,549		3,458,388
Total interest income	90,472	70,111
Interest (expense) income intrabank transfer	0	0
Total interest expense	29,536	15,620
Net interest income	60,936	54,491
Provision for credit losses	79,518	43,544
Provision for unfunded commitments	3,640	153
Net interest income after provision for credit losses - loans and unfunded commitments	(22,222)	10,794
Deposit service charges and fees	908	910
Other income	491	461
Total noninterest income	86,955	49,307
Salaries and employee benefits	17,984	15,575
Occupancy	1,518	1,219
Data processing and software licenses	2,892	1,840
Legal and professional expenses	3,672	3,062
Other expenses	4,192	3,414
BaaS loan and fraud expense	25,760	19,553
Total noninterest expense	56,018	44,663
Net income/(loss) before income taxes	8,715	15,438
Income taxes	1,915	3,047
NET INCOME	6,800	12,391
BaaS Program Income
LIABILITIES
Revenue from contract with customer	4,825	3,575
BaaS indemnification income
LIABILITIES
Revenue from contract with customer	80,731	44,361
BaaS loan expense
LIABILITIES
BaaS loan and fraud expense	24,837	17,554
BaaS fraud expense
LIABILITIES
BaaS loan and fraud expense	923	1,999
Operating Segments | Community Bank
ASSETS
Cash and Due from Banks	4,711		4,702
Intrabank assets	0		0
Securities	0		0
Loans held for sale	0		0
Total loans receivable	1,883,282		1,830,154
Allowance for credit losses	(21,384)		(21,595)
Other assets	29,643		30,169
Total assets	1,896,252		1,843,430
LIABILITIES
Deposits	1,434,030		1,497,601
Other Borrowings	0		0
Intrabank liabilities	452,861		338,614
Other liabilities	9,361		7,215
Total liabilities	1,896,252		1,843,430
Total interest income	30,052	24,211
Interest (expense) income intrabank transfer	(5,599)	(1,079)
Total interest expense	6,013	2,534
Net interest income	18,440	20,598
Provision for credit losses	(199)	428
Provision for unfunded commitments	2,209	137
Net interest income after provision for credit losses - loans and unfunded commitments	16,430	20,033
Deposit service charges and fees	896	899
Other income	285	191
Total noninterest income	1,181	1,090
Salaries and employee benefits	6,045	5,854
Occupancy	844	1,034
Data processing and software licenses	1,025	919
Legal and professional expenses	18	254
Other expenses	1,035	1,031
Total noninterest expense	8,967	9,092
Net income/(loss) before income taxes	8,644	12,031
Income taxes	1,822	2,375
NET INCOME	6,822	9,656
Operating Segments | Community Bank | BaaS Program Income
LIABILITIES
Revenue from contract with customer	0	0
Operating Segments | Community Bank | BaaS indemnification income
LIABILITIES
Revenue from contract with customer	0	0
Operating Segments | Community Bank | BaaS loan expense
LIABILITIES
BaaS loan and fraud expense	0	0
Operating Segments | Community Bank | BaaS fraud expense
LIABILITIES
BaaS loan and fraud expense	0	0
Operating Segments | CCBX
ASSETS
Cash and Due from Banks	10,358		9,601
Intrabank assets	690,310		653,178
Securities	0		0
Loans held for sale	797		0
Total loans receivable	1,316,272		1,195,938
Allowance for credit losses	(117,874)		(95,363)
Other assets	165,796		136,931
Total assets	2,065,659		1,900,285
LIABILITIES
Deposits	2,028,949		1,862,762
Other Borrowings	0		0
Intrabank liabilities	0		0
Other liabilities	36,710		37,523
Total liabilities	2,065,659		1,900,285
Total interest income	54,569	42,220
Interest (expense) income intrabank transfer	8,151	2,652
Total interest expense	22,854	12,424
Net interest income	39,866	32,448
Provision for credit losses	79,717	43,116
Provision for unfunded commitments	1,431	16
Net interest income after provision for credit losses - loans and unfunded commitments	(41,282)	(10,684)
Deposit service charges and fees	12	11
Other income	68	133
Total noninterest income	85,636	48,080
Salaries and employee benefits	7,351	5,383
Occupancy	101	86
Data processing and software licenses	903	535
Legal and professional expenses	2,255	1,768
Other expenses	1,578	1,114
Total noninterest expense	37,948	28,439
Net income/(loss) before income taxes	6,406	8,957
Income taxes	1,581	1,768
NET INCOME	4,825	7,189
Operating Segments | CCBX | BaaS Program Income
LIABILITIES
Revenue from contract with customer	4,825	3,575
Operating Segments | CCBX | BaaS indemnification income
LIABILITIES
Revenue from contract with customer	80,731	44,361
Operating Segments | CCBX | BaaS loan expense
LIABILITIES
BaaS loan and fraud expense	24,837	17,554
Operating Segments | CCBX | BaaS fraud expense
LIABILITIES
BaaS loan and fraud expense	923	1,999
Operating Segments | Treasury & Administration
ASSETS
Cash and Due from Banks	500,059		468,825
Intrabank assets	(690,310)		(653,178)
Securities	50,090		150,364
Loans held for sale	0		0
Total loans receivable	0		0
Allowance for credit losses	0		0
Other assets	43,508		43,640
Total assets	(96,653)		9,651
LIABILITIES
Deposits	0		0
Other Borrowings	47,771		47,734
Intrabank liabilities	(452,861)		(338,614)
Other liabilities	4,728		5,553
Total liabilities	(400,362)		$ (285,327)
Total interest income	5,851	3,680
Interest (expense) income intrabank transfer	(2,552)	(1,573)
Total interest expense	669	662
Net interest income	2,630	1,445
Provision for credit losses	0	0
Provision for unfunded commitments	0	0
Net interest income after provision for credit losses - loans and unfunded commitments	2,630	1,445
Deposit service charges and fees	0	0
Other income	138	137
Total noninterest income	138	137
Salaries and employee benefits	4,588	4,338
Occupancy	573	99
Data processing and software licenses	964	386
Legal and professional expenses	1,399	1,040
Other expenses	1,579	1,269
Total noninterest expense	9,103	7,132
Net income/(loss) before income taxes	(6,335)	(5,550)
Income taxes	(1,488)	(1,096)
NET INCOME	(4,847)	(4,454)
Operating Segments | Treasury & Administration | BaaS Program Income
LIABILITIES
Revenue from contract with customer	0	0
Operating Segments | Treasury & Administration | BaaS indemnification income
LIABILITIES
Revenue from contract with customer	0	0
Operating Segments | Treasury & Administration | BaaS loan expense
LIABILITIES
BaaS loan and fraud expense	0	0
Operating Segments | Treasury & Administration | BaaS fraud expense
LIABILITIES
BaaS loan and fraud expense	$ 0	$ 0

Uncategorized Items - ck1437958

Label	Element	Value
Accounting Standards Update [Extensible Enumeration]	us-gaap_AccountingStandardsUpdateExtensibleList	Accounting Standards Update 2016-13 [Member]