Live Oak Bancshares (LOB) 10-Q 6 Aug 24 2024 Q2 Quarterly report Financial data

Cover

Cover - shares	6 Months Ended
	Jun. 30, 2024	Aug. 05, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2024
Document Transition Report	false
Entity File Number	001-37497
Entity Registrant Name	LIVE OAK BANCSHARES, INC.
Entity Incorporation, State or Country Code	NC
Entity Tax Identification Number	26-4596286
Entity Address, Address Line One	1741 Tiburon Drive
Entity Address, City or Town	Wilmington
Entity Address, State or Province	NC
Entity Address, Postal Zip Code	28403
City Area Code	910
Local Phone Number	790-5867
Title of 12(b) Security	Voting Common Stock, no par value per share
Trading Symbol	LOB
Security Exchange Name	NYSE
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)		45,035,289
Entity Central Index Key	0001462120
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q2
Amendment Flag	false

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 615,449	$ 582,540
Certificates of deposit with other banks	250	250
Investment securities available-for-sale	1,151,195	1,126,160
Loans held for sale	363,632	387,037
Loans and leases held for investment (includes $363,017 and $388,036 measured at fair value, respectively)	9,172,134	8,633,847
Allowance for credit losses on loans and leases	(137,867)	(125,840)
Net loans and leases	9,034,267	8,508,007
Premises and equipment, net	267,864	257,881
Foreclosed assets	8,015	6,481
Servicing assets (includes $51,303 and $48,186 measured at fair value, respectively)	51,528	48,591
Other assets	376,370	354,476
Total assets	11,868,570	11,271,423
Deposits:
Noninterest-bearing	264,013	259,270
Interest-bearing	10,443,018	10,015,749
Total deposits	10,707,031	10,275,019
Borrowings	117,745	23,354
Other liabilities	82,745	70,384
Total liabilities	10,907,521	10,368,757
Shareholders’ equity
Preferred stock, no par value, 1,000,000 shares authorized, none issued or outstanding at June 30, 2024 and December 31, 2023	0	0
Retained earnings	695,172	642,817
Accumulated other comprehensive loss	(90,504)	(84,719)
Total shareholders’ equity	961,049	902,666
Total liabilities and shareholders’ equity	11,868,570	11,271,423
Class A Common Stock
Shareholders’ equity
Common stock	356,381	344,568
Class B Common Stock
Shareholders’ equity
Common stock	$ 0	$ 0

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Loans receivable, fair value	$ 9,194,914	$ 8,655,865
Servicing asset, fair value	51,303	48,186
Receivables Under The Fair Value Option
Loans receivable, fair value	$ 363,017	$ 388,036
Preferred Stock
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock authorized (in shares)	1,000,000	1,000,000
Preferred stock issued (in shares)	0	0
Preferred stock outstanding (in shares)	0	0
Class A Common Stock
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock authorized (in shares)	100,000,000	100,000,000
Common stock issued (in shares)	45,003,856	44,617,673
Common stock outstanding (in shares)	45,003,856	44,617,673
Class B Common Stock
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock authorized (in shares)	10,000,000	10,000,000
Common stock issued (in shares)	0	0
Common stock outstanding (in shares)	0	0

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest income
Loans and fees on loans	$ 181,840	$ 152,362	$ 357,850	$ 291,414
Investment securities, taxable	9,219	8,503	18,173	16,050
Other interest earning assets	7,389	8,847	14,845	13,664
Total interest income	198,448	169,712	390,868	321,128
Interest expense
Deposits	105,358	85,003	207,356	152,598
Borrowings	1,770	407	2,081	2,211
Total interest expense	107,128	85,410	209,437	154,809
Net interest income	91,320	84,302	181,431	166,319
Provision for credit losses	11,765	13,028	28,129	32,049
Net interest income after provision for credit losses	79,555	71,274	153,302	134,270
Noninterest income
Loan servicing revenue	7,347	6,687	14,971	13,067
Loan servicing asset revaluation	(2,878)	(2,831)	(5,622)	(2,475)
Net gains on sales of loans	14,395	10,804	25,897	20,979
Net gain (loss) on loans accounted for under the fair value option	172	1,728	(47)	(2,801)
Equity method investments (loss) income	(1,767)	(2,055)	(6,789)	(5,007)
Equity security investments gains (losses), net	161	121	(368)	198
Lease income	2,423	2,535	4,876	5,070
Management fee income	3,271	3,266	6,542	6,738
Other noninterest income	11,035	3,901	20,796	7,966
Total noninterest income	34,159	24,156	60,256	43,735
Noninterest expense
Salaries and employee benefits	46,255	43,066	93,530	87,831
Travel expense	2,328	2,770	4,766	5,181
Professional services expense	3,061	1,996	4,939	2,923
Advertising and marketing expense	3,004	3,009	6,696	6,612
Occupancy expense	2,388	2,205	4,635	4,130
Technology expense	7,996	8,005	15,719	15,734
Equipment expense	3,511	4,023	6,585	7,841
Other loan origination and maintenance expense	3,659	3,442	7,570	7,369
Renewable energy tax credit investment (recovery) impairment	170	0	(757)	69
FDIC insurance	2,649	5,061	5,849	8,464
Other expense	2,635	2,880	5,861	9,265
Total noninterest expense	77,656	76,457	155,393	155,419
Income before taxes	36,058	18,973	58,165	22,586
Income tax expense	9,095	1,429	3,616	4,644
Net income	$ 26,963	$ 17,544	$ 54,549	$ 17,942
Basic earnings per share (in dollars per share)	$ 0.60	$ 0.40	$ 1.22	$ 0.41
Diluted earnings per share (in dollars per share)	$ 0.59	$ 0.39	$ 1.20	$ 0.40

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income	$ 26,963	$ 17,544	$ 54,549	$ 17,942
Other comprehensive income (loss) before tax:
Net unrealized gain (loss) on investment securities available-for-sale during the period	964	(17,348)	(7,612)	(6,916)
Reclassification adjustment for gain on sale of securities available-for-sale included in net income	0	0	0	0
Other comprehensive income (loss) before tax	964	(17,348)	(7,612)	(6,916)
Income tax (expense) benefit	(231)	4,163	1,827	1,654
Other comprehensive income (loss), net of tax	733	(13,185)	(5,785)	(5,262)
Total comprehensive income	$ 27,696	$ 4,359	$ 48,764	$ 12,680

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Total	Adoption of ASU 2022-02	Class A Common Stock	Common stock	Common stock Class A Common Stock	Retained earnings	Retained earnings Adoption of ASU 2022-02	Accumulated other comprehensive (loss) income
Beginning balance (in shares) at Dec. 31, 2022					44,061,244
Beginning balance at Dec. 31, 2022	$ 811,033	$ 676		$ 330,854		$ 572,497	$ 676	$ (92,318)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	17,942					17,942
Other comprehensive income (loss)	(5,262)							(5,262)
Issuance of restricted stock (in shares)					201,019
Tax withholding related to vesting of restricted stock and other	(3,602)			(3,602)
Employee stock purchase program (in shares)					31,059
Employee stock purchase program	631			631
Stock option exercises (in shares)					58,393
Stock option exercises	664			664
Stock option based compensation expense	137			137
Restricted stock compensation expense	12,348			12,348
Transfer from retained earnings to other assets for pro rata portion of equity method investee stock compensation expense	578					578
Cash dividends	(2,657)					(2,657)
Ending balance (in shares) at Jun. 30, 2023					44,351,715
Ending balance at Jun. 30, 2023	832,488			341,032		589,036		(97,580)
Beginning balance (in shares) at Mar. 31, 2023					44,290,840
Beginning balance at Mar. 31, 2023	822,807			334,672		572,530		(84,395)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	17,544					17,544
Other comprehensive income (loss)	(13,185)							(13,185)
Issuance of restricted stock (in shares)					38,145
Tax withholding related to vesting of restricted stock and other	(249)			(249)
Stock option exercises (in shares)					22,730
Stock option exercises	297			297
Stock option based compensation expense	4			4
Restricted stock compensation expense	6,308			6,308
Transfer from retained earnings to other assets for pro rata portion of equity method investee stock compensation expense	292					292
Cash dividends	(1,330)					(1,330)
Ending balance (in shares) at Jun. 30, 2023					44,351,715
Ending balance at Jun. 30, 2023	832,488			341,032		589,036		(97,580)
Beginning balance (in shares) at Dec. 31, 2023			44,617,673		44,617,673
Beginning balance at Dec. 31, 2023	902,666			344,568		642,817		(84,719)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	54,549					54,549
Other comprehensive income (loss)	(5,785)							(5,785)
Issuance of restricted stock (in shares)					169,283
Tax withholding related to vesting of restricted stock and other	(3,394)			(3,394)
Employee stock purchase program (in shares)					18,485
Employee stock purchase program	702			702
Stock option exercises (in shares)					198,415
Stock option exercises	1,406			1,406
Restricted stock compensation expense	13,099			13,099
Transfer from retained earnings to other assets for pro rata portion of equity method investee stock compensation expense	501					501
Cash dividends	(2,695)					(2,695)
Ending balance (in shares) at Jun. 30, 2024			45,003,856		45,003,856
Ending balance at Jun. 30, 2024	961,049			356,381		695,172		(90,504)
Beginning balance (in shares) at Mar. 31, 2024					44,938,673
Beginning balance at Mar. 31, 2024	927,718			349,648		669,307		(91,237)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	26,963					26,963
Other comprehensive income (loss)	733							733
Issuance of restricted stock (in shares)					45,613
Tax withholding related to vesting of restricted stock and other	(337)			(337)
Stock option exercises (in shares)					19,570
Stock option exercises	277			277
Restricted stock compensation expense	6,793			6,793
Transfer from retained earnings to other assets for pro rata portion of equity method investee stock compensation expense	252					252
Cash dividends	(1,350)					(1,350)
Ending balance (in shares) at Jun. 30, 2024			45,003,856		45,003,856
Ending balance at Jun. 30, 2024	$ 961,049			$ 356,381		$ 695,172		$ (90,504)

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.03	$ 0.03	$ 0.06	$ 0.06

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Cash flows from operating activities
Net income	$ 54,549	$ 17,942
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	10,324	10,447
Provision for credit losses	28,129	32,049
(Accretion) amortization of (discount) premium on securities, net	(497)	132
Deferred tax benefit	(278)	(9,723)
Originations of loans held for sale	(467,005)	(425,441)
Proceeds from sales of loans held for sale	577,817	649,306
Net gains on sale of loans held for sale	(25,897)	(20,979)
Net loss on sale of foreclosed assets	9	0
Net loss on loans accounted for under fair value option	47	2,801
Net change in servicing assets	(2,937)	(4,719)
Net gain on disposal of long-lived asset	(6,663)	0
Net loss on disposal of property and equipment	177	402
Equity method investments loss (income)	6,789	5,007
Equity security investments losses (gains), net	368	(198)
Gain on equity warrant assets	(6,246)	0
Renewable energy tax credit investment (recovery) impairment	(757)	69
Stock option compensation expense	0	137
Restricted stock compensation expense	13,099	12,348
Stock based compensation excess tax benefit (deficiency)	988	(574)
Lease right-of-use assets and liabilities, net	195	(30)
Changes in assets and liabilities:
Other assets	(13,536)	20,429
Other liabilities	6,094	5,533
Net cash provided by operating activities	174,769	294,938
Cash flows from investing activities
Purchases of investment securities available-for-sale	(109,829)	(174,710)
Proceeds from maturities, calls, and principal paydown of investment securities available-for-sale	77,679	49,235
Proceeds from SBA reimbursement/sale of foreclosed assets, net	583	0
Loan and lease originations and principal collections, net	(613,385)	(689,804)
Proceeds from sale of long-lived asset	22,641	0
Purchases of equity security investments	(3,676)	(1,206)
Purchases of equity method investments	(1,872)	(4,323)
Proceeds from equity security investment	957	0
Proceeds from equity method investments	524	0
Proceeds from sale of premises and equipment	978	0
Purchases of premises and equipment, net	(38,882)	(16,968)
Net cash used by investing activities	(664,282)	(837,776)
Cash flows from financing activities
Net increase in deposits	432,012	994,183
Proceeds from borrowings	99,462	2,906,039
Repayment of borrowings	(5,071)	(2,960,925)
Stock option exercises	1,406	664
Employee stock purchase program	702	631
Withholding cash issued in lieu of restricted stock and other	(3,394)	(3,602)
Shareholder dividend distributions	(2,695)	(2,657)
Net cash provided by financing activities	522,422	934,333
Net increase in cash and cash equivalents	32,909	391,495
Cash and cash equivalents, beginning	582,540	416,636
Cash and cash equivalents, ending	615,449	808,131
Supplemental disclosures of cash flow information
Interest paid	209,811	153,724
Income tax paid, net	22,888	5,233
Supplemental disclosures of noncash investing and financing activities
Unrealized holding losses on investment securities available-for-sale, net of taxes	(5,785)	(5,262)
Transfers from loans and leases to foreclosed real estate and other repossessions or SBA receivable	2,125	14,908
Transfer from premises and equipment, net to other assets	18,540	0
Transfer of loans held for sale to loans and leases held for investment	108,048	56,852
Transfer of loans and leases held for investment to loans held for sale	178,482	284,081
Transfer from retained earnings to other assets for pro rata portion of equity method investee stock compensation expense	501	578
Accrued premises and equipment additions	1,193	0
Equity method investment commitments	1,508	7,721
Equity security investment commitments	$ 1,000	$ 0

Basis of Presentation

Basis of Presentation	6 Months Ended
	Jun. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation	Basis of Presentation Nature of Operations Live Oak Bancshares, Inc. (collectively with its subsidiaries including Live Oak Banking Company, the “Company”) is a bank holding company headquartered in Wilmington, North Carolina incorporated under the laws of the State of North Carolina in December 2008. The Company conducts business operations primarily through its commercial bank subsidiary, Live Oak Banking Company (the “Bank”). The Bank was organized and incorporated under the laws of the State of North Carolina on February 25, 2008 and commenced operations on May 12, 2008. The Bank specializes in providing lending and deposit related services to small businesses nationwide. A significant portion of the loans originated by the Bank are guaranteed by the Small Business Administration (“SBA”) under the 7(a) Loan Program and the U.S. Department of Agriculture’s ( “ USDA”) Rural Energy for America Program (“REAP”), Water and Environmental Program (“WEP”), Business & Industry ( “ B&I”) and Community Facilities loan programs. These loans are to small businesses and professionals with what the Bank believes are lower risk characteristics. Industries, or “verticals,” on which the Bank focuses its lending efforts are carefully selected. The Bank also lends more broadly to select borrowers outside of those verticals. The Company’s wholly owned material subsidiaries are the Bank, Government Loan Solutions, Inc. (“GLS”), Live Oak Grove, LLC (“Grove”), Live Oak Ventures, Inc. (“Live Oak Ventures”), and Canapi Advisors, LLC (“Canapi Advisors”). GLS is a management and technology consulting firm that advises and offers solutions and services to participants in the government guaranteed lending sector. GLS primarily provides services in connection with the settlement, accounting, and securitization processes for government guaranteed loans, including loans originated under the SBA 7(a) loan programs and USDA guaranteed loans. The Grove provides Company employees and business visitors with on-site dining. Live Oak Ventures’ purpose is investing in businesses that align with the Company's strategic initiative to be a leader in financial technology. Canapi Advisors provides investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. The Bank’s wholly owned subsidiaries are Live Oak Number One, Inc., Live Oak Clean Energy Financing LLC (“LOCEF”), Live Oak Private Wealth, LLC (“Live Oak Private Wealth”) and Tiburon Land Holdings, LLC (“TLH”). Live Oak Number One, Inc. holds properties foreclosed on by the Bank. LOCEF provides financing to entities for renewable energy applications. Live Oak Private Wealth provides high-net-worth individuals and families with strategic wealth and investment management services. TLH holds land adjacent to the Bank's headquarters consisting of wetlands and other protected property for the use and enjoyment of the Bank's employees and customers. The Company generates revenue primarily from net interest income and secondarily through the origination and sale of government guaranteed loans. Income from the retention of loans is comprised principally of interest income. Income from the sale of loans is comprised of loan servicing revenue and revaluation of related servicing rights along with net gains on sales of loans. Offsetting these revenues are the cost of funding sources, provision for credit losses, any costs related to foreclosed assets and other operating costs such as salaries and employee benefits, travel, professional services, advertising and marketing and tax expense. The Company also has less routinely generated gains and losses arising from its financial technology investments predominantly in its Fintech segment. General In the opinion of management, all adjustments necessary for a fair presentation of the financial position and results of operations for the periods presented have been included, and all intercompany transactions have been eliminated in consolidation. Results of operations for the three and six months ended June 30, 2024 are not necessarily indicative of the results of operations that may be expected for the year ending December 31, 2024. The Condensed Consolidated Balance Sheet as of December 31, 2023 has been derived from the audited consolidated financial statements contained in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2023, filed with the Securities Exchange Commission ( “ SEC ” ) on February 22, 2024 (SEC File No. 001-37497) (the “ 2023 Form 10-K ” ). A summary description of the significant accounting policies followed by the Company is set forth in Note 1 of the Notes to Consolidated Financial Statements in the Company’s 2023 Form 10-K. These Unaudited Condensed Consolidated Financial Statements should be read in conjunction with the audited consolidated financial statements and footnotes in the Company's 2023 Form 10-K. The preparation of financial statements in conformity with United States ( “ U.S. ” ) generally accepted accounting principles ( “ GAAP ” ) requires management to make estimates and assumptions that affect reported amounts of assets and liabilities and the reported amounts of revenues and expenses during the reporting period. Actual results could differ significantly from those estimates. Amounts in all tables in the Notes to Unaudited Condensed Consolidated Financial Statements have been presented in thousands, except percentage, time period, share and per share data or where otherwise indicated. Business Segments Operating segments are components of an enterprise about which separate financial information is available that is evaluated regularly by the chief operating decision maker in deciding how to allocate resources and in assessing performance. Management has determined that the Company has two reportable operating segments: Banking and Fintech, as discussed more fully in Note 11. Segments. Changes in Accounting Estimates During the second quarter of 2024, the Company made enhancements to the qualitative framework of the allowance for credit losses. The enhanced framework leverages quantifiable credit risk metrics as well as current and forecasted economic conditions to determine possible portfolio outcomes that are not captured in quantitatively modeled results. The framework continues to consider risk factors which include, but are not limited to, changes in lending policies, economic and business conditions, nature and volume of portfolio, volume and severity of past due loans, value of underlying collateral, concentrations, and prepayment speeds. The result of these changes was not material. During the third quarter of 2023, the Company changed the valuation techniques used to estimate the fair value of servicing rights and loans measured at fair value as a result of rising interest rates and their impacts on market conditions. The changes included aligning our net servicing income and loan fair value estimates with changes in forward interest rate curves. Loan fair value estimates were also revised to utilize market participant credit loss information. These revisions provide estimates that the Company believes are more representative of fair value while transitioning from unobservable inputs to those that are more observable. These estimate changes were implemented as of July 1, 2023 and resulted in one-time adjustments to increase the estimated value of the servicing asset by $13.7 million and loans measured at fair value by $1.3 million. This adjustment also increased noninterest income by a corresponding $15.0 million. These refinements have been accounted for as changes in accounting estimates under Financial Accounting Standards Board ( “ FASB ” ) Accounting Standards Codification ( “ ASC ” ) 250, Accounting Changes and Error Corrections , with prospective application beginning in the period of change. Long-Lived Asset Reclassified to Held for Sale During the second quarter of 2024, the Company sold an aircraft that was previously reclassified as held for sale. The $6.7 million gain on the sale of the aircraft is reflected in other income on the Condensed Consolidated Statements of Income. During the first quarter of 2024, the Company determined that retention of an idle building and accompanying land adjacent to its main campus was not best suited to serve future expansion plans. As a result of this determination, the Company entered into a purchase and sale agreement with a third party with expected total proceeds, net of estimated expenses, of $20.9 million. Accordingly, the $18.5 million carrying amount of the building and land, was considered held for sale, and reclassified from premises and equipment, net to other assets in the Unaudited Condensed Consolidated Balance Sheet. Any gain associated with the sale of the building will be recorded at the time of the sale.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	6 Months Ended
	Jun. 30, 2024
Accounting Policies [Abstract]
Recent Accounting Pronouncements	Recent Accounting Pronouncements In March 2020, the FASB issued Accounting Standards Update (“ASU”) No. 2020-04 “Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting” (“ASU 2020-04”). ASU 2020-04 provides optional guidance for a limited period of time to ease the potential burden in accounting for (or recognizing the effects of) reference rate reform on financial reporting. In December 2022, ASU 2022-06 “Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848” was issued deferring the sunset date of Topic 848. As subsequently amended, the guidance in the ASU can be applied by the Company through December 31, 2024. To address the discontinuance of LIBOR, the Company stopped originating variable LIBOR-based loans effective December 31, 2021 and started to negotiate loans using the preferred replacement index, the Secured Overnight Financing Rate (“SOFR”) or a relevant duration U.S. Treasury rate. As of March 31, 2024, the Company had transitioned all its LIBOR-based loan exposure to an alternative index. The application of the standard did not have a material effect on the Consolidated Financial Statements. In June 2022, the FASB issued ASU No. 2022-03 “Fair Value Measurement (Topic 820) Fair Value Measurement of Equity Securities Subject to Contractual Restrictions” (“ASU 2022-03”). ASU 2022-03 indicates a contractual sale restriction on equity securities should not be considered in measuring fair value, however, disclosure should be made about such restrictions. The Company adopted the standard on January 1, 2024 with no material effect on its Consolidated Financial Statements. In March 2023, the FASB issued ASU No. 2023-02 “Investments-Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method” (“ASU 2023-02”). ASU 2023-02 permits companies to account for tax equity investments, regardless of the tax credit program from which the income tax credits are received, using the proportional amortization method if certain conditions are met. The Company adopted the standard on January 1, 2024 with no material effect on its Consolidated Financial Statements. In October 2023, the FASB issued ASU No. 2023-06 “Disclosure Improvements - Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative” (“ASU 2023-06”). ASU 2023-06 amends the ASC to incorporate certain disclosure requirements from SEC Release No. 33-10532 - Disclosure Update and Simplification that was issued in 2018. The effective date for each amendment will be the date on which the SEC’s removal of that related disclosure from Regulation S-X or Regulation S-K becomes effective, with early adoption prohibited. The Company does not believe this standard will have a material impact on its Consolidated Financial Statements. In November 2023, the FASB issued ASU No. 2023-07 “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures” (“ASU 2023-07”). ASU 2023-07 improves reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses. The amendments in this standard will be effective for the Company for the fiscal year ended December 31, 2024 and subsequent interim periods. The amendments will be applied retrospectively to all prior periods in the Consolidated Financial Statements. The Company is currently evaluating the impact the amendments will have on the Consolidated Financial Statements and related disclosures. In December 2023, the FASB issued ASU No. 2023-09 “Income Taxes (Topic 740): Improvements to Income Tax Disclosures” (“ASU 2023-09”). ASU 2023-09 requires enhanced income tax disclosures primarily related to the rate reconciliation and income taxes paid information to provide more transparency by requiring (i) consistent categories and greater disaggregation of information in the rate reconciliation table and (ii) income taxes paid, net of refunds, to be disaggregated by jurisdiction based on an established threshold. The amendments in this standard will be effective for the Company on January 1, 2025. The Company is currently evaluating the impact the amendments will have the Consolidated Financial Statements and related disclosures. In March 2024, the FASB issued ASU 2024-01 “Compensation - Stock Compensation (Topic 718): Scope Application of Profits Interest and Similar Awards” (“ASU 2024-01”). ASU 2024-01 adds an illustrative example to clarify how an entity should determine whether a profits interest or similar award is within the scope of ASC 718. The amendments in this standard will be effective for the Company on January 1, 2025. The Company does not believe this standard will have a material impact on its Consolidated Financial Statements. In March 2024, the FASB issued ASU 2024-02 “Codification Improvements - Amendments to Remove References to the Concepts Statements” (“ASU 2024-02”). ASU 2024-02 removes references to various Concepts Statements in the Codification. The amendments in this standard will be effective for the Company on January 1, 2025. The Company does not believe this standard will have a material impact on its Consolidated Financial Statements.

Earnings Per Share

Earnings Per Share	6 Months Ended
	Jun. 30, 2024
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share Basic and diluted earnings per share are computed based on the weighted-average number of shares outstanding during each period. Diluted earnings per share reflects the potential dilution that could occur upon the exercise of stock options or upon the vesting of restricted stock grants, any of which would result in the issuance of common stock that would then share in the net income of the Company. Three Months Ended Six Months Ended 2024 2023 2024 2023 Basic earnings per share: Net income $ 26,963 $ 17,544 $ 54,549 $ 17,942 Weighted-average basic shares outstanding 44,974,942 44,327,474 44,868,625 44,242,785 Basic earnings per share $ 0.60 $ 0.40 $ 1.22 $ 0.41 Diluted earnings per share: Net income, for diluted earnings per share $ 26,963 $ 17,544 $ 54,549 $ 17,942 Total weighted-average basic shares outstanding 44,974,942 44,327,474 44,868,625 44,242,785 Add effect of dilutive stock options and restricted stock grants 550,140 507,615 714,521 657,538 Total weighted-average diluted shares outstanding 45,525,082 44,835,089 45,583,146 44,900,323 Diluted earnings per share $ 0.59 $ 0.39 $ 1.20 $ 0.40 Anti-dilutive stock options and restricted shares 945,063 2,096,220 702,331 2,096,220

Securities

Securities	6 Months Ended
	Jun. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Securities	Securities Available-for-Sale The carrying amount of securities and their approximate fair values are reflected in the following table: June 30, 2024 Amortized Cost Unrealized Gains Unrealized Losses Fair Value U.S. government agencies $ 12,088 $ — $ 316 $ 11,772 Mortgage-backed securities 1,255,002 670 119,242 1,136,430 Municipal bonds 3,189 — 196 2,993 Total $ 1,270,279 $ 670 $ 119,754 $ 1,151,195 December 31, 2023 Amortized Unrealized Unrealized Fair U.S. government agencies $ 17,809 $ 2 $ 282 $ 17,529 Mortgage-backed securities 1,216,624 466 111,498 1,105,592 Municipal bonds 3,200 — 161 3,039 Total $ 1,237,633 $ 468 $ 111,941 $ 1,126,160 During the three months ended June 30, 2024, one security totaling $155 thousand was settled and one security totaling $3.0 million matured. During the six months ended June 30, 2024, two securities totaling $14.8 million were settled, one security totaling $2.5 million was called and one security totaling $3.0 million matured. During the three and six months ended June 30, 2023, two mortgage-backed securities totaling $2.7 million were settled. Accrued interest receivable on available-for-sale securities totaled $3.7 million and $3.3 million at June 30, 2024 and December 31, 2023, respectively, and is included in other assets in the accompanying Unaudited Condensed Consolidated Balance Sheets. The following tables show debt securities available-for-sale in an unrealized loss position for which an allowance for credit losses has not been recorded, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position. Less Than 12 Months 12 Months or More Total June 30, 2024 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. government agencies $ — $ — $ 11,772 $ 316 $ 11,772 $ 316 Mortgage-backed securities 141,956 1,556 945,975 117,686 1,087,931 119,242 Municipal bonds — 2,993 196 2,993 196 Total $ 141,956 $ 1,556 $ 960,740 $ 118,198 $ 1,102,696 $ 119,754 Less Than 12 Months 12 Months or More Total December 31, 2023 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. government agencies $ — $ — $ 15,057 $ 282 $ 15,057 $ 282 Mortgage-backed securities 138,823 3,431 886,699 108,067 1,025,522 111,498 Municipal bonds — — 3,039 161 3,039 161 Total $ 138,823 $ 3,431 $ 904,795 $ 108,510 $ 1,043,618 $ 111,941 At June 30, 2024, there were 423 mortgage-backed securities, four U.S. government agencies and two municipal bonds in unrealized loss positions for greater than 12 months. There were 39 mortgage-backed securities in unrealized loss positions for less than 12 months. Unrealized losses at December 31, 2023 were comprised of 409 mortgage-backed securities, five U.S. government agencies and two municipal bonds in unrealized loss positions for greater than 12 months and 27 mortgage-backed securities in unrealized loss positions for less than 12 months. These unrealized losses are primarily the result of non-credit-related volatility in the market and market interest rates. Since none of the unrealized losses relate to the issuers' ability to honor redemption obligations, and the Company does not intend to sell the related securities and does not believe it is more likely than not that it will be required to sell the securities before recovery of amortized cost, none of the losses have been recognized in the Company’s Unaudited Condensed Consolidated Statements of Income. All mortgage-backed securities in the Company’s portfolio at June 30, 2024 and December 31, 2023 were backed by U.S. government sponsored enterprises (“GSEs”). The following is a summary of investment securities by maturity: June 30, 2024 Available-for-Sale Amortized Cost Fair Value U.S. government agencies Within one year $ 4,000 $ 3,924 One to five years 8,088 7,848 Total 12,088 11,772 Mortgage-backed securities Within one year 19,240 19,038 One to five years 176,763 166,444 Five to 10 years 221,724 196,487 After 10 years 837,275 754,461 Total 1,255,002 1,136,430 Municipal bonds Five to 10 years 3,092 2,908 After 10 years 97 85 Total 3,189 2,993 Total $ 1,270,279 $ 1,151,195 The table above reflects contractual maturities. Actual results will differ as the loans underlying the mortgage-backed securities may prepay sooner than scheduled. There were no investment securities pledged at June 30, 2024 or December 31, 2023. Equity Investments Equity investments, largely comprised of non-marketable equity investments, are generally accounted for under either the equity method or equity security accounting and are included in other assets in the accompanying Unaudited Condensed Consolidated Balance Sheets. The below tables provide additional information related to investments accounted for under these two methods. Equity Method Accounting The carrying amount and ownership percentage of each equity method investment at June 30, 2024 and December 31, 2023 is reflected in the following table: June 30, 2024 December 31, 2023 Amount Ownership % Amount Ownership % Apiture, Inc. $ 56,802 40.4 % $ 60,682 40.4 % Canapi Ventures SBIC Fund, LP (1) (5) 16,380 2.9 18,190 2.9 Canapi Ventures Fund, LP (2) (5) 1,980 1.5 2,267 1.5 Canapi Ventures Fund II, LP (3) (5) 7,175 1.6 7,232 1.6 Canapi Ventures SBIC Fund II, LP (4) (5) 7,551 2.9 7,611 2.9 Other (6) 24,639 Various 22,932 Various Total $ 114,527 $ 118,914 (1) Includes unfunded commitments of $4.8 million and $5.0 million as of June 30, 2024 and December 31, 2023, respectively. (2) Includes unfunded commitments of $536 thousand and $559 thousand as of June 30, 2024 and December 31, 2023, respectively. (3) Includes unfunded commitments of $6.2 million and $6.3 million as of June 30, 2024 and December 31, 2023, respectively. (4) Includes unfunded commitments of $7.0 million and $7.1 million as of June 30, 2024 and December 31, 2023, respectively. (5) Investee is accounted for under equity method due to the Company's participation as an investment advisor. (6) As of June 30, 2024, and December 31, 2023 Other investments include low income housing tax credit (“LIHTC”) in Estrella Landing Apartments LLC (“Estrella Landing”), in which the Company holds a 99.9% limited member interest. Also included in Other investments are solar income tax credit investments in Green Sun Tenant LLC (“Green Sun”), SVA 2021-2 TE Holdco LLC (“Sun Vest”), EG5 CSP1 Holding LLC (“HEP”) and HRE Lessee I, LLC ("Heelstone"), which the Company holds a 99.0% limited member interest in all investments. Also included are Cape Fear Collective Impact Opportunity 1 LLC (“Cape Fear Collective”), Cape Fear Collective Impact Opportunity 2 LLC (“Cape Fear Collective 2”) and OTR Fund I, LLC ("OTR") which the Company holds 91.0%, 32.3%, and 5.9% of limited member interests, respectively. As of June 30, 2024, Other investments also includes Capitala SBIC Fund VI, LP which the Company holds less than 1% limited partner interest, but does maintain potential participation through a lending relationship, with an unfunded commitment of $750 thousand. As of June 30, 2024, and December 31, 2023, there was an unfunded commitment of $6.4 million and $7.7 million, respectively, for Estrella Landing. Equity Security Accounting The carrying amount of the Company’s investments in non-marketable equity securities with no readily determinable fair value and amounts recognized in earnings on a cumulative basis as of June 30, 2024 and as of and for the six months ended June 30, 2024 and 2023 is reflected in the following table: As of and for the six month period ended Cumulative Adjustments June 30, 2024 June 30, 2023 Carrying value (1) $ 80,467 $ 77,586 Carrying value adjustments: Impairment $ — — — Upward changes for observable prices (2) 50,548 56 — Downward changes for observable prices (1,980) (369) — Net upward (downward) change $ 48,568 $ (313) $ — (1) Includes $2.7 million and $2.8 million in unfunded commitments as of June 30, 2024, and June 30, 2023, respectively. (2) Cumulative adjustments excludes $13.9 million in realized gains for sale of an investment in the second quarter of 2021. For the three and six months ended June 30, 2024, the Company recognized unrealized gains (losses) on all equity securities held at the reporting date of $31 thousand and $(269) thousand, respectively. For the three and six months ended June 30, 2023, the Company recognized unrealized losses on all equity securities held at the reporting date of $20 thousand and $4 thousand, respectively. Variable Interest Entities Variable interests are defined as contractual ownership or other interests in an entity that change with fluctuations in the fair value of an entity's net asset value (a “VIE”). The primary beneficiary consolidates the VIE. The primary beneficiary is defined as the enterprise that has both the power to direct the activities of the VIE that most significantly impact the entity's economic performance and the obligation to absorb losses or the right to receive benefits that could be significant to the VIE. Solar Renewable Energy Tax Credit Investments The Company has equity interests in several limited liability companies that own and operate solar renewable energy projects which are accounted for as equity method investments. Over the course of the investments, the Company will receive federal and state tax credits, tax-related benefits, and excess cash available for distribution, if any. The Company may be called to sell its interest in the limited partnerships through a call option once all investment tax credits have been recognized. Affordable Housing The Company has an equity investment in a limited liability company LIHTC that qualifies as an affordable housing project, managed by an unrelated general partner. The Company accounts for the investment under the proportional amortization method. Under this method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance as a component of income tax expense. The Company also has equity interests in two limited liability companies that invest in the acquisition, rehabilitation, or new construction of local qualified housing projects which are accounted for as equity method investments. Canapi Funds The Company’s limited partnership investments in the Canapi Funds focus on providing venture capital to new and emerging financial technology companies. After the initial commitment and over the course of the investment period, the Company will make capital contributions and receive profit and return of capital distributions as a result of fund performance until the funds wind down. Non-marketable and Other Equity Investments The Company also has limited interests in several non-marketable funds, including Small Business Investment Company (“SBIC”) and venture capital funds, which are generally accounted for as equity security investments. After the initial commitment and over the course of the investment period, the Company will make capital contributions and receive profit and return of capital distributions as a result of fund performance until the funds wind down. While the partnership agreements allow the Company to remove the general partner, this right is not deemed to be substantive as the general partner can only be removed for cause. All investments are generally non-redeemable and distributions are expected to be received through the liquidation of the underlying investments throughout the life of the investment fund. Investments may only be sold or transferred subject to the notice and approval provisions of the underlying investment agreement. All above investments meet the criteria of a VIE, however, the Company is not the primary beneficiary of the entities, as it does not have the power to direct the activities that most significantly impact the economic performance of the entities. The Company’s investment in the unconsolidated VIEs are carried in other assets and the Company’s unfunded capital and other commitments related to the unconsolidated VIEs are carried in other liabilities on the Unaudited Condensed Consolidated Balance Sheets. The Company’s maximum exposure to loss from unconsolidated VIEs includes the investment recorded on the Company’s Unaudited Condensed Consolidated Balance Sheets. For solar tax credit investments, the balance sheet figures are net of any impairment recognized, and includes previously recorded tax credits which remain subject to recapture by taxing authorities based on compliance features required to be met at the project level. While the Company believes the potential for loss from these investments is remote, the maximum exposure for solar tax credit investments was determined by assuming a scenario where related tax credits were recaptured. The following table provides a summary of the VIEs that the Company has not consolidated as of June 30, 2024 and December 31, 2023: June 30, 2024 Investment Carrying Amount Maximum Exposure to Loss Liability Recognized Classification Solar tax credit investments $ 7,196 $ 39,994 $ 1,008 Other assets (1) Affordable housing 15,411 16,235 6,444 Other assets & other liabilities (2) Canapi Funds 33,086 33,086 18,528 Other assets & other liabilities Non-marketable and other equity investments 9,775 9,775 3,445 Other assets & other liabilities December 31, 2023 Investment Carrying Amount Maximum Exposure to Loss Liability Recognized Classification Solar tax credit investments $ 6,714 $ 48,869 $ — Other assets (3) Affordable housing 15,611 15,611 7,715 Other assets & other liabilities (4) Canapi Funds 35,300 35,300 18,930 Other assets & other liabilities Non-marketable and other equity investments 8,840 8,840 2,321 Other assets & other liabilities (1) Maximum exposure to loss represents $7.2 million of current investments and a scenario in which related tax credits are recaptured, collectively totaling $32.8 million. (2) Maximum exposure to loss represents $15.4 million of investments and a scenario in which related tax credits are recaptured, collectively totaling $824 thousand. (3) Maximum exposure to loss represents $6.7 million of current investments and a scenario in which related tax credits are recaptured, collectively totaling $42.2 million. (4) Maximum exposure to loss represents $15.6 million of investments. As there are no tax credits allocated in 2023, there is no increase to the maximum exposure to loss related to recaptured tax credits on the $8.8 million LIHTC investment as of December 31, 2023.

Loans and Leases Held for Inves

Loans and Leases Held for Investment and Credit Quality	6 Months Ended
	Jun. 30, 2024
Receivables [Abstract]
Loans and Leases Held for Investment and Credit Quality	Loans and Leases Held for Investment and Credit Quality The following tables present total loans and leases held for investment and an aging analysis for the Company’s portfolio segments. Loans and leases are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Current or Less than 30 Days 30-89 Days 90 Days or More Past Due Total Past Due Total Carried at Amortized Loans Accounted for Under the Fair Value Option (1) Total Loans and Leases June 30, 2024 Commercial & Industrial Small Business Banking $ 2,102,720 $ 19,773 $ 65,790 $ 85,563 $ 2,188,283 $ 139,107 $ 2,327,390 Specialty Lending 1,173,583 9,031 — 9,031 1,182,614 5,098 1,187,712 Energy & Infrastructure 877,681 263 11,030 11,293 888,974 45,525 934,499 Paycheck Protection Program 4,064 — — — 4,064 — 4,064 Total 4,158,048 29,067 76,820 105,887 4,263,935 189,730 4,453,665 Construction & Development Small Business Banking 424,463 6,179 2,468 8,647 433,110 — 433,110 Specialty Lending 40,295 — — — 40,295 — 40,295 Energy & Infrastructure 11,001 — — — 11,001 — 11,001 Total 475,759 6,179 2,468 8,647 484,406 — 484,406 Commercial Real Estate Small Business Banking 2,569,139 15,584 28,525 44,109 2,613,248 117,191 2,730,439 Specialty Lending 688,585 8,500 — 8,500 697,085 — 697,085 Energy & Infrastructure 191,465 1,008 3,072 4,080 195,545 20,680 216,225 Total 3,449,189 25,092 31,597 56,689 3,505,878 137,871 3,643,749 Commercial Land Small Business Banking 574,748 1,066 1,864 2,930 577,678 35,416 613,094 Total 574,748 1,066 1,864 2,930 577,678 35,416 613,094 Total $ 8,657,744 $ 61,404 $ 112,749 $ 174,153 $ 8,831,897 $ 363,017 $ 9,194,914 Retained Loan Discount and Net Deferred Costs $ (22,780) Loans and Leases, Net $ 9,172,134 Guaranteed Balance $ 2,911,202 $ 30,122 $ 93,956 $ 124,078 $ 3,035,280 $ 76,644 $ 3,111,924 % Guaranteed 33.6% 49.1% 83.3% 71.2% 34.4% 21.1% 33.8% Current or Less than 30 Days 30-89 Days Past Due 90 Days or More Past Due Total Past Due Total Carried at Amortized Loans Accounted for Under the Fair Value Option (1) Total Loans and Leases December 31, 2023 Commercial & Industrial Small Business Banking $ 2,075,227 $ 16,570 $ 33,366 $ 49,936 $ 2,125,163 $ 151,887 $ 2,277,050 Specialty Lending 1,131,493 — — — 1,131,493 7,829 1,139,322 Energy & Infrastructure 842,907 2,806 4,044 6,850 849,757 46,185 895,942 Paycheck Protection Program 5,595 — — — 5,595 — 5,595 Total 4,055,222 19,376 37,410 56,786 4,112,008 205,901 4,317,909 Construction & Development Small Business Banking 413,349 1,745 — 1,745 415,094 — 415,094 Specialty Lending 47,419 — — — 47,419 — 47,419 Energy & Infrastructure 7,541 — — — 7,541 — 7,541 Total 468,309 1,745 — 1,745 470,054 — 470,054 Commercial Real Estate Small Business Banking 2,414,677 18,589 32,310 50,899 2,465,576 127,358 2,592,934 Specialty Lending 511,712 — 12,032 12,032 523,744 — 523,744 Energy & Infrastructure 158,613 — 3,072 3,072 161,685 17,751 179,436 Total 3,085,002 18,589 47,414 66,003 3,151,005 145,109 3,296,114 Commercial Land Small Business Banking 531,331 1,521 1,910 3,431 534,762 37,026 571,788 Total 531,331 1,521 1,910 3,431 534,762 37,026 571,788 Total $ 8,139,864 $ 41,231 $ 86,734 $ 127,965 $ 8,267,829 $ 388,036 $ 8,655,865 Retained Loan Discount and Net Deferred Costs $ (22,018) Loans and Leases, Net $ 8,633,847 Guaranteed Balance $ 2,877,105 $ 29,183 $ 61,107 $ 90,290 $ 2,967,395 $ 66,299 $ 3,033,694 % Guaranteed 35.3% 70.8% 70.5% 70.6% 35.9% 17.1% 35.0% (1) Retained portions of government guaranteed loans sold prior to January 1, 2021 are carried at fair value under FASB ASC Subtopic 825-10, Financial Instruments: Overall . See Note 9. Fair Value of Financial Instruments for additional information. Credit Quality Indicators The following tables present asset quality indicators by portfolio class and origination year. See Note 3. Loans and Leases Held for Investment and Credit Quality in the Company’s 2023 Form 10-K for additional discussion around the asset quality indicators that the Company uses to manage and monitor credit risk. Term Loans and Leases Amortized Cost Basis by Origination Year 2024 2023 2022 2021 2019 Prior Revolving Loans Revolving Loans Total (1) June 30, 2024 Small Business Banking Risk Grades 1 - 4 $ 436,371 $ 1,062,992 $ 1,408,497 $ 1,143,701 $ 593,527 $ 570,458 $ 78,309 $ 11,321 $ 5,305,176 Risk Grade 5 6,609 25,034 71,269 70,034 32,410 102,040 9,889 999 318,284 Risk Grades 6 - 8 — 12,251 53,912 43,325 31,135 44,121 3,945 170 188,859 Total 442,980 1,100,277 1,533,678 1,257,060 657,072 716,619 92,143 12,490 5,812,319 Specialty Lending Risk Grades 1 - 4 300,133 540,753 274,606 191,067 25,755 2,524 235,376 123,107 1,693,321 Risk Grade 5 — 11,402 72,552 35,664 36,225 7,886 33,564 5,854 203,147 Risk Grades 6 - 8 — 1,146 — 12,252 — — 3,352 6,776 23,526 Total 300,133 553,301 347,158 238,983 61,980 10,410 272,292 135,737 1,919,994 Energy & Infrastructure Risk Grades 1-4 75,942 404,239 210,587 94,360 42,211 73,019 15,058 — 915,416 Risk Grade 5 — — 17,868 108,517 — 26,016 — — 152,401 Risk Grades 6 - 8 — — 4,024 7,471 16,208 — — — 27,703 Total 75,942 404,239 232,479 210,348 58,419 99,035 15,058 — 1,095,520 Paycheck Protection Program Risk Grades 1 - 4 — — — 2,260 1,804 — — — 4,064 Total — — — 2,260 1,804 — — — 4,064 Total $ 819,055 $ 2,057,817 $ 2,113,315 $ 1,708,651 $ 779,275 $ 826,064 $ 379,493 $ 148,227 $ 8,831,897 Year-To-Date Gross Charge-offs Small Business Banking $ — $ 1,110 $ 4,818 $ 3,464 $ 53 $ 1,681 $ 899 $ 170 $ 12,195 Total $ — $ 1,110 $ 4,818 $ 3,464 $ 53 $ 1,681 $ 899 $ 170 $ 12,195 Term Loans and Leases Amortized Cost Basis by Origination Year 2023 2022 2021 2019 2018 Prior Revolving Loans Revolving Loans Total (1) December 31, 2023 Small Business Banking Risk Grades 1 - 4 $ 990,349 $ 1,470,824 $ 1,255,664 $ 660,926 $ 363,377 $ 296,132 $ 63,963 $ 11,047 $ 5,112,282 Risk Grade 5 7,744 72,913 60,115 37,390 42,095 50,705 7,174 1,407 279,543 Risk Grades 6 - 8 2,286 31,487 29,636 35,611 18,429 28,700 2,621 — 148,770 Total 1,000,379 1,575,224 1,345,415 733,927 423,901 375,537 73,758 12,454 5,540,595 Specialty Lending Risk Grades 1 - 4 640,596 337,880 226,170 21,286 9,103 112 210,460 58,441 1,504,048 Risk Grade 5 8,858 52,767 35,453 43,080 9,223 — 20,547 5,417 175,345 Risk Grades 6 - 8 — — 12,032 — — — 7,203 4,028 23,263 Total 649,454 390,647 273,655 64,366 18,326 112 238,210 67,886 1,702,656 Energy & Infrastructure Risk Grades 1 - 4 386,421 223,309 120,917 41,919 50,035 23,308 14,818 — 860,727 Risk Grade 5 — — 104,371 13,485 7,827 18,627 — — 144,310 Risk Grades 6 - 8 — 4,024 6,303 3,619 — — — — 13,946 Total 386,421 227,333 231,591 59,023 57,862 41,935 14,818 — 1,018,983 Paycheck Protection Program Risk Grades 1 - 4 — — 2,831 2,764 — — — — 5,595 Total — — 2,831 2,764 — — — — 5,595 Total $ 2,036,254 $ 2,193,204 $ 1,853,492 $ 860,080 $ 500,089 $ 417,584 $ 326,786 $ 80,340 $ 8,267,829 Current Period Gross Charge-offs Small Business Banking $ — $ 5,621 $ 6,435 $ 1,058 $ 1,225 $ 525 $ 1,097 $ — $ 15,961 Specialty Lending — — — — — — 7,966 — 7,966 Total $ — $ 5,621 $ 6,435 $ 1,058 $ 1,225 $ 525 $ 9,063 $ — $ 23,927 (1) Excludes $363.0 million and $388.0 million of loans accounted for under the fair value option as of June 30, 2024 and December 31, 2023, respectively. The following tables present guaranteed and unguaranteed loan and lease balances by asset quality indicator: June 30, 2024 Loan and Lease Balance (1) Guaranteed Balance Unguaranteed Balance % Guaranteed Risk Grades 1 - 4 $ 7,917,977 $ 2,624,641 $ 5,293,336 33.1 % Risk Grade 5 673,832 249,640 424,192 37.0 Risk Grades 6 - 8 240,088 160,999 79,089 67.1 Total $ 8,831,897 $ 3,035,280 $ 5,796,617 34.4 % December 31, 2023 Loan and Lease Balance (1) Guaranteed Balance Unguaranteed Balance % Guaranteed Risk Grades 1 - 4 $ 7,482,652 $ 2,622,558 $ 4,860,094 35.0 % Risk Grade 5 599,198 234,845 364,353 39.2 Risk Grades 6 - 8 185,979 109,992 75,987 59.1 Total $ 8,267,829 $ 2,967,395 $ 5,300,434 35.9 % (1) Excludes $363.0 million and $388.0 million of loans accounted for under the fair value option as of June 30, 2024 and December 31, 2023, respectively. Nonaccrual Loans and Leases As of June 30, 2024 and December 31, 2023 there were no loans greater than 90 days past due and still accruing. There was no interest income recognized on nonaccrual loans and leases during the three and six months ended June 30, 2024 and 2023. Accrued interest receivable on loans totaled $70.2 million and $63.5 million at June 30, 2024 and December 31, 2023 , respectively, and is included in other assets in the accompanying Unaudited Condensed Consolidated Balance Sheets. Nonaccrual loans and leases held for investment as of June 30, 2024 and December 31, 2023 are as follows: June 30, 2024 Loan and Lease Balance (1) Guaranteed Unguaranteed Balance Unguaranteed Commercial & Industrial Small Business Banking $ 71,734 $ 62,734 $ 9,000 $ 403 Energy & Infrastructure 11,030 7,141 3,889 2,178 Total 82,764 69,875 12,889 2,581 Construction & Development Small Business Banking 2,467 2,263 204 — Total 2,467 2,263 204 — Commercial Real Estate Small Business Banking 45,868 34,795 11,073 4,909 Specialty Lending 11,499 — 11,499 11,499 Energy & Infrastructure 11,378 10,275 1,103 831 Total 68,745 45,070 23,675 17,239 Commercial Land Small Business Banking 6,116 5,544 572 183 Total 6,116 5,544 572 183 Total $ 160,092 $ 122,752 $ 37,340 $ 20,003 December 31, 2023 Loan and Lease Balance (1) Guaranteed Unguaranteed Balance Unguaranteed Commercial & Industrial Small Business Banking $ 47,558 $ 39,018 $ 8,540 $ 407 Energy & Infrastructure 6,850 2,794 4,056 2,546 Total 54,408 41,812 12,596 2,953 Construction & Development Small Business Banking 1,745 1,309 436 — Total 1,745 1,309 436 — Commercial Real Estate Small Business Banking 57,140 44,426 12,714 8,199 Specialty Lending 12,032 — 12,032 12,032 Energy & Infrastructure 3,072 2,799 273 — Total 72,244 47,225 25,019 20,231 Commercial Land Small Business Banking 6,566 5,332 1,234 194 Total 6,566 5,332 1,234 194 Total $ 134,963 $ 95,678 $ 39,285 $ 23,378 (1) Excludes loans accounted for under the fair value option. See Note 9. Fair Value of Financial Instruments for additional information. When a loan or lease is placed on nonaccrual status, any accrued interest is reversed from loan interest income. The following table summarizes the amount of accrued interest reversed during the periods presented: Three Months Ended June 30, Six Months Ended June 30, 2024 2023 2024 2023 Commercial & Industrial $ 364 $ 833 $ 974 $ 1,697 Commercial Real Estate 219 285 338 871 Commercial Land 52 — 52 — Construction & Development — — 30 56 Total $ 635 $ 1,118 $ 1,394 $ 2,624 The following table presents the amortized cost basis of collateral-dependent loans and leases, which are individually evaluated to determine expected credit losses, as of June 30, 2024 and December 31, 2023: Total Collateral-Dependent Loans Unguaranteed Portion June 30, 2024 Real Estate Business Assets Other Real Estate Business Assets Other Allowance for Credit Losses Commercial & Industrial Small Business Banking $ 2,722 $ 13,841 $ — $ 418 $ 4,734 $ — $ 3,172 Energy & Infrastructure — 3,022 — — 227 — 62 Total 2,722 16,863 — 418 4,961 — 3,234 Commercial Real Estate Small Business Banking 22,510 — — 4,533 — — 142 Total 22,510 — — 4,533 — — 142 Commercial Land Small Business Banking 3,742 — — 2,240 — — — Total 3,742 — — 2,240 — — — Total $ 28,974 $ 16,863 $ — $ 7,191 $ 4,961 $ — $ 3,376 Total Collateral-Dependent Loans Unguaranteed Portion December 31, 2023 Real Estate Business Assets Other Real Estate Business Assets Other Allowance for Credit Losses Commercial & Industrial Small Business Banking $ 2,737 $ 2,426 $ — $ 421 $ 547 $ — $ 277 Specialty Lending — 4,711 — — 4,711 — — Energy & Infrastructure — 3,022 — — 227 — — Total 2,737 10,159 — 421 5,485 — 277 Commercial Real Estate Small Business Banking 21,211 — — 6,298 — — — Total 21,211 — — 6,298 — — — Commercial Land Small Business Banking 1,735 — — 200 — — — Total 1,735 — — 200 — — — Total $ 25,683 $ 10,159 $ — $ 6,919 $ 5,485 $ — $ 277 Allowance for Credit Losses - Loans and Leases See Note 1. Organization and Summary of Significant Accounting Policies of the Notes to the Consolidated Financial Statements in the Company’s 2023 Form 10-K for a description of the methodologies used to estimate the ACL. The following table details activity in the ACL by portfolio segment allowance for the periods presented: Three Months Ended Commercial Construction & Commercial Commercial Total June 30, 2024 Beginning Balance $ 98,552 $ 4,292 $ 31,369 $ 4,828 $ 139,041 Charge offs (8,415) (35) (105) (8) (8,563) Recoveries 57 — 253 — 310 Provision (Recovery) 17,972 (563) (7,977) (2,353) 7,079 Ending Balance $ 108,166 $ 3,694 $ 23,540 $ 2,467 $ 137,867 June 30, 2023 Beginning Balance $ 72,058 $ 6,954 $ 25,062 $ 4,168 $ 108,242 Charge offs (2,198) — (278) — (2,476) Recoveries 558 — 764 — 1,322 Provision (Recovery) 8,989 (526) 4,360 205 13,028 Ending Balance $ 79,407 $ 6,428 $ 29,908 $ 4,373 $ 120,116 Six Months Ended Commercial Construction & Commercial Commercial Total June 30, 2024 Beginning Balance $ 87,581 $ 4,717 $ 28,864 $ 4,678 $ 125,840 Charge offs (11,744) (338) (105) (8) (12,195) Recoveries 512 — 267 — 779 Provision (Recoveries) 31,817 (685) (5,486) (2,203) 23,443 Ending Balance $ 108,166 $ 3,694 $ 23,540 $ 2,467 $ 137,867 June 30, 2023 Beginning Balance $ 64,995 $ 5,101 $ 22,901 $ 3,569 $ 96,566 Adoption of ASU 2022-02 (25) (166) (83) (402) (676) Charge offs (8,476) — (692) — (9,168) Recoveries 581 — 764 — 1,345 Provision 22,332 1,493 7,018 1,206 32,049 Ending Balance $ 79,407 $ 6,428 $ 29,908 $ 4,373 $ 120,116 During the three months ended June 30, 2024, the ACL decreased primarily as a result of a decrease in specific reserves on loans individually evaluated for impairment. During the six months ended June 30, 2024, the ACL increased as a result of loan growth and changes in the macroeconomic outlook. Loss rates are adjusted for twelve month forecasted unemployment followed by a twelve-month straight-line reversion period. During the three and six months ended June 30, 2023, the ACL increased as a result of continued loan growth, combined with portfolio trends and changes in the macroeconomic outlook. Additionally, during the first quarter of 2023, certain assumptions were refined, drawing more heavily on internal data, in the calculations of PD, LGD, and prepayment rates. These refinements increased the ACL by $1.5 million during the six months ended June 30, 2023. Loss rates are adjusted for twelve month forecasted unemployment followed by a twelve-month straight-line reversion period. Loan Modifications for Borrowers Experiencing Financial Difficulty The Company may agree to modify the contractual terms of a loan to a borrower experiencing financial difficulty as a part of ongoing loss mitigation strategies. These modifications may result in an interest rate reduction, term extension, an other-than-insignificant payment delay, or a combination thereof. The Company typically does not offer principal forgiveness. The following tables summarize the amortized cost basis of loans that were modified during the three and six months ended June 30, 2024 and June 30, 2023, respectively: Three Months Ended June 30, 2024 Other-Than-Insignificant Term Extension Interest Rate Reduction Combination - Term Extension & Payment Delay % of Total Class of Small Business Banking $ 6,459 $ — $ — $ — 0.11 % Specialty Lending 2,333 — — — 0.12 Total $ 8,792 $ — $ — $ — 0.23 % Six Months Ended June 30, 2024 Other-Than-Insignificant Term Extension Interest Rate Reduction Combination - Term Extension & Payment Delay % of Total Class of Small Business Banking $ 6,459 $ — $ — $ — 0.11 % Specialty Lending 2,333 — — — 0.12 Total $ 8,792 $ — $ — $ — 0.23 % Three Months Ended June 30, 2023 Other-Than-Insignificant Term Extension Interest Rate Reduction Combination - Term Extension & Payment Delay % of Total Class of Small Business Banking $ — $ — $ — $ 361 0.01 % Specialty Lending — 4,427 — — 0.26 Total $ — $ 4,427 $ — $ 361 0.27 % Six Months Ended June 30, 2023 Other-Than-Insignificant Term Extension Interest Rate Reduction Combination - Term Extension & Payment Delay % of Total Class of Small Business Banking $ — $ — $ 3,436 $ 361 0.08 % Specialty Lending — 244 — 4,183 0.26 % Energy & Infrastructure — 13,517 — — 2.14 % Total $ — $ 13,761 $ 3,436 $ 4,544 2.48 % As of June 30, 2024, the Company had no commitments to lend additional funds to these borrowers. The following table presents an aging analysis of loans that were modified within the twelve months ended June 30, 2024: Current 30-89 Days 90 Days or More Past Due Total Past Due Small Business Banking $ 21,518 $ — $ — $ — Specialty Lending 2,333 — — — Total $ 23,851 $ — $ — $ — There was no financial impacts related to the loan modifications made to borrowers experiencing financial difficulty during the three and six months ended June 30, 2024. The following tables summarize the financial impacts of loan modifications made to borrowers experiencing financial difficulty during the prior periods presented: Three Months Ended June 30, 2023 Weighted Average Weighted Average Small Business Banking — % 161 Specialty Lending — 72 Six Months Ended June 30, 2023 Weighted Average Weighted Average Small Business Banking 1.45 % 161 Specialty Lending — 72 Energy & Infrastructure — 12 Additionally, there were no loans that were modified within the twelve months ended June 30, 2024 that subsequently defaulted during the periods presented.

Leases

Leases	6 Months Ended
	Jun. 30, 2024
Leases [Abstract]
Leases	Leases Lessor Equipment Leasing The Company may purchase new equipment for the purpose of leasing such equipment to customers within its verticals. Equipment purchased to fulfill commitments to commercial renewable energy projects is rented out under operating leases while leases of equipment outside of the renewable energy vertical are generally direct financing leases. Accordingly, leased assets under operating leases are included in premises and equipment, net while leased assets under direct financing leases are included in loans and leases held for investment in the accompanying Unaudited Condensed Consolidated Balance Sheets. Direct Financing Leases Interest income on direct financing leases is recognized when earned. Unearned interest is recognized over the lease term on a basis which results in a constant rate of return on the unrecovered lease investment. The term of each lease is generally 3 to 7 years which is consistent with the useful life of the equipment with no residual value. The net investment in direct finance leases included in loans and leases held for investment are as follows: June 30, 2024 December 31, 2023 Gross direct finance lease payments receivable $ 1,684 $ 2,335 Less – unearned interest (145) (218) Net investment in direct financing leases $ 1,539 $ 2,117 Future minimum lease payments to be received under finance leases are as follows: As of June 30, 2024 Amount 2024 $ 599 2025 968 2026 117 Total $ 1,684 Interest income of $48 thousand and $66 thousand was recognized in the three months ended June 30, 2024 and 2023, respectively. Interest income of $66 thousand and $139 thousand was recognized in the six months ended June 30, 2024 and 2023, respectively. Operating Leases The term of each operating lease is generally 10 to 15 years. The Company retains ownership of the equipment and associated tax benefits such as investment tax credits and accelerated depreciation. At the end of the lease term, the lessee has the option to renew the lease for two additional terms or purchase the equipment at the then-current fair market value. Rental revenue from operating leases is recognized on a straight-line basis over the term of the lease. Rental equipment is recorded at cost and depreciated to an estimated residual value on a straight-line basis over the estimated useful life. The useful lives generally range from 20 to 25 years and residual values generally range from 20% to 50%, however, they are subject to periodic evaluation. Changes in useful lives or residual values will impact depreciation expense and any gain or loss from the sale of used equipment. The estimated useful lives and residual values of the Company's leasing equipment are based on industry disposal experience and the Company's expectations for future sale prices. If the Company decides to sell or otherwise dispose of rental equipment, it is carried at the lower of cost or fair value less costs to sell or dispose. Repair and maintenance costs that do not extend the lives of the rental equipment are charged to equipment expense at the time the costs are incurred. As of June 30, 2024 and December 31, 2023, the Company had a net investment of $98.3 million and $104.0 million, respectively, in assets included in premises and equipment, net that are subject to operating leases. Of the net investment, the gross balance of the assets was $160.7 million and $162.3 million as of June 30, 2024 and December 31, 2023, respectively. Accumulated depreciation was $62.4 million and $58.3 million as of June 30, 2024 and December 31, 2023, respectively. Depreciation expense recognized on these assets was $2.4 million for the three months ended June 30, 2024 and 2023. Depreciation expense recognized on these assets was $4.7 million and $4.8 million for the six months ended June 30, 2024 and 2023, respectively. Lease income of $2.3 million and $2.4 million was recognized in the three months ended June 30, 2024 and 2023, respectively. Lease income of $4.7 million and $4.8 million was recognized in the six months ended June 30, 2024 and 2023, respectively. A maturity analysis of future minimum lease payments to be received under non-cancelable operating leases is as follows: As of June 30, 2024 Amount 2024 $ 4,981 2025 8,741 2026 8,721 2027 8,483 2028 3,837 Thereafter 9,708 Total $ 44,471
Leases	Leases Lessor Equipment Leasing The Company may purchase new equipment for the purpose of leasing such equipment to customers within its verticals. Equipment purchased to fulfill commitments to commercial renewable energy projects is rented out under operating leases while leases of equipment outside of the renewable energy vertical are generally direct financing leases. Accordingly, leased assets under operating leases are included in premises and equipment, net while leased assets under direct financing leases are included in loans and leases held for investment in the accompanying Unaudited Condensed Consolidated Balance Sheets. Direct Financing Leases Interest income on direct financing leases is recognized when earned. Unearned interest is recognized over the lease term on a basis which results in a constant rate of return on the unrecovered lease investment. The term of each lease is generally 3 to 7 years which is consistent with the useful life of the equipment with no residual value. The net investment in direct finance leases included in loans and leases held for investment are as follows: June 30, 2024 December 31, 2023 Gross direct finance lease payments receivable $ 1,684 $ 2,335 Less – unearned interest (145) (218) Net investment in direct financing leases $ 1,539 $ 2,117 Future minimum lease payments to be received under finance leases are as follows: As of June 30, 2024 Amount 2024 $ 599 2025 968 2026 117 Total $ 1,684 Interest income of $48 thousand and $66 thousand was recognized in the three months ended June 30, 2024 and 2023, respectively. Interest income of $66 thousand and $139 thousand was recognized in the six months ended June 30, 2024 and 2023, respectively. Operating Leases The term of each operating lease is generally 10 to 15 years. The Company retains ownership of the equipment and associated tax benefits such as investment tax credits and accelerated depreciation. At the end of the lease term, the lessee has the option to renew the lease for two additional terms or purchase the equipment at the then-current fair market value. Rental revenue from operating leases is recognized on a straight-line basis over the term of the lease. Rental equipment is recorded at cost and depreciated to an estimated residual value on a straight-line basis over the estimated useful life. The useful lives generally range from 20 to 25 years and residual values generally range from 20% to 50%, however, they are subject to periodic evaluation. Changes in useful lives or residual values will impact depreciation expense and any gain or loss from the sale of used equipment. The estimated useful lives and residual values of the Company's leasing equipment are based on industry disposal experience and the Company's expectations for future sale prices. If the Company decides to sell or otherwise dispose of rental equipment, it is carried at the lower of cost or fair value less costs to sell or dispose. Repair and maintenance costs that do not extend the lives of the rental equipment are charged to equipment expense at the time the costs are incurred. As of June 30, 2024 and December 31, 2023, the Company had a net investment of $98.3 million and $104.0 million, respectively, in assets included in premises and equipment, net that are subject to operating leases. Of the net investment, the gross balance of the assets was $160.7 million and $162.3 million as of June 30, 2024 and December 31, 2023, respectively. Accumulated depreciation was $62.4 million and $58.3 million as of June 30, 2024 and December 31, 2023, respectively. Depreciation expense recognized on these assets was $2.4 million for the three months ended June 30, 2024 and 2023. Depreciation expense recognized on these assets was $4.7 million and $4.8 million for the six months ended June 30, 2024 and 2023, respectively. Lease income of $2.3 million and $2.4 million was recognized in the three months ended June 30, 2024 and 2023, respectively. Lease income of $4.7 million and $4.8 million was recognized in the six months ended June 30, 2024 and 2023, respectively. A maturity analysis of future minimum lease payments to be received under non-cancelable operating leases is as follows: As of June 30, 2024 Amount 2024 $ 4,981 2025 8,741 2026 8,721 2027 8,483 2028 3,837 Thereafter 9,708 Total $ 44,471

Servicing Assets

Servicing Assets	6 Months Ended
	Jun. 30, 2024
Transfers and Servicing [Abstract]
Servicing Assets	Servicing Assets Loans serviced for others are not included in the accompanying Unaudited Condensed Consolidated Balance Sheets. The unpaid principal balance of loans serviced for others requiring recognition of a servicing asset was $3.26 billion and $3.09 billion at June 30, 2024 and December 31, 2023, respectively. The unpaid principal balance for all loans serviced for others was $4.29 billion and $4.24 billion at June 30, 2024 and December 31, 2023, respectively. The following table summarizes the activity pertaining to servicing rights measured at fair value: Three Months Ended Six Months Ended 2024 2023 2024 2023 Balance at beginning of period $ 48,962 $ 29,357 $ 48,186 $ 26,323 Additions, net 5,218 4,516 8,739 7,194 Fair value changes: Due to changes in valuation inputs or assumptions 701 (501) 922 2,123 Decay due to increases in principal paydowns or runoff (3,578) (2,330) (6,544) (4,598) Balance at end of period $ 51,303 $ 31,042 $ 51,303 $ 31,042 See Note 9. Fair Value of Financial Instruments for further details about servicing assets measured at fair value. The fair value of servicing rights was determined using a weighted average discount rate of 14.5% on June 30, 2024 and 17.3% on June 30, 2023. The fair value of servicing rights was determined using a weighted average prepayment speed of 15.7% on June 30, 2024 and 15.8% on June 30, 2023, with the actual rate depending on the stratification of the specific right. Changes to fair value are reported in loan servicing asset revaluation within the Unaudited Condensed Consolidated Statements of Income.

Borrowings

Borrowings	6 Months Ended
	Jun. 30, 2024
Debt Disclosure [Abstract]
Borrowings	Borrowings Total outstanding borrowings consisted of the following: June 30, December 31, Borrowings In March 2021, the Company entered into a 60-month term loan agreement of $50.0 million with a third party correspondent bank. The loan accrues interest at a fixed rate of 2.95% with a monthly payment sufficient to fully amortize the loan, with all remaining unpaid principal and interest due at maturity on March 30, 2026. The Company paid the Lender a non-refundable $325 thousand loan origination fee upon signing of the Note that is presented as a direct deduction from the carrying amount of the loan and will be amortized into interest expense over the life of the loan. $ 18,310 $ 23,354 In March 2024, the Company entered into a 60-month term loan agreement of $100.0 million with a third party correspondent bank. The loan accrues interest at a fixed rate of 5.95% with monthly interest payments until maturity on March 28, 2029, and $33.0 million of principal to be paid in year 4, and $67.0 million of principal to be paid in year 5. The Company paid the Lender a non-refundable $600 thousand loan origination fee upon signing of the Note that is represented as a direct deduction from the carrying amount of the loan and will be amortized into interest expense over the life of the loan. 99,435 — Total borrowings $ 117,745 $ 23,354 As of June 30, 2024 and December 31, 2023, the Company’s unused borrowing capacity was $3.62 billion and $3.68 billion, respectively, based upon securities and loans identified as available for collateral. Unused borrowing capacity consists of access through the Federal Reserve Bank's discount window, available lines of credit with the Federal Home Loan Bank and other correspondent banks, access to a repurchase agreement, and the Federal Reserve Bank's Bank Term Funding Program which ended March 11, 2024. If additional collateral is available, the Company's aggregate borrowing capacity with all of the above sources is $6.29 billion and $6.28 billion as of June 30, 2024 and December 31, 2023, respectively.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	6 Months Ended
	Jun. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value of Financial Instruments	Fair Value of Financial Instruments Fair Value Hierarchy There are three levels of inputs in the fair value hierarchy that may be used to measure fair value. Financial instruments are considered Level 1 when valuation can be based on quoted prices in active markets for identical assets or liabilities. Level 2 financial instruments are valued using quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or models using inputs that are observable or can be corroborated by observable market data of substantially the full term of the assets or liabilities. Financial instruments are considered Level 3 when their values are determined using pricing models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable and when determination of the fair value requires significant management judgment or estimation. Recurring Fair Value The table below provides a rollforward of the Level 3 equity warrant asset fair values: Three Months Ended June 30, Six Months Ended June 30, Equity Warrant Assets 2024 2023 2024 2023 Balance at beginning of period $ 8,700 $ 2,187 $ 2,874 $ 2,210 New equity warrant assets 123 91 493 244 Changes in fair value, net 585 194 6,246 18 Settlements (2,001) (221) (2,206) (221) Balance at end of period $ 7,407 $ 2,251 $ 7,407 $ 2,251 The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis. June 30, 2024 Total Level 1 Level 2 Level 3 Investment securities available-for-sale US government agencies $ 11,772 $ — $ 11,772 $ — Mortgage-backed securities 1,136,430 — 1,136,430 — Municipal bonds (1) 2,993 — 2,908 85 Loans held for investment 363,017 — — 363,017 Servicing assets (2) 51,303 — — 51,303 Mutual fund 1,011 — 1,011 — Equity warrant assets 7,407 — — 7,407 Total assets at fair value $ 1,573,933 $ — $ 1,152,121 $ 421,812 December 31, 2023 Total Level 1 Level 2 Level 3 Investment securities available-for-sale US government agencies $ 17,529 $ — $ 17,529 $ — Mortgage-backed securities 1,105,592 — 1,105,592 — Municipal bonds (1) 3,039 — 2,954 85 Loans held for investment 388,036 — — 388,036 Servicing assets (2) 48,186 — — 48,186 Mutual fund 1,645 — 1,645 — Equity warrant assets 2,874 — — 2,874 Total assets at fair value $ 1,566,901 $ — $ 1,127,720 $ 439,181 (1) During the three and six months ended June 30, 2024 there was no level 3 fair value adjustment gain or loss. During the three and six months ended June 30, 2023, the Company recorded a level 3 fair value adjustment gain of $1 thousand and loss of $9 thousand, respectively. (2) See Note 7 for a rollforward of recurring Level 3 fair values for servicing assets. For additional information on the valuation techniques and significant inputs for Level 2 and Level 3 assets and liabilities that are measured at fair value on a recurring basis, see Note 10. Fair Value of Financial Instruments in the Company’s 2023 Form 10-K. Additionally, see Note 1. Basis of Presentation of the accompanying Notes to the Unaudited Condensed Consolidated Financial Statements for information related to changes in valuation techniques for the Company's loan servicing assets and loans accounted for under the fair value option. Fair Value Option Until the first quarter of 2021, the Company had historically elected to account for retained participating interests of all government guaranteed loans under the fair value option in order to align the accounting presentation with the Company’s viewpoint of the economics of the loans. Interest income is recognized in the same manner on loans reported at fair value as on non-fair value loans, except in regard to origination fees and costs which are recognized immediately upon fair value election. Not electing fair value generally results in a larger discount being recorded on the date of the sale. This discount is subsequently accreted into interest income over the underlying loan’s remaining term using the effective interest method. Management made this change of election in alignment with its ongoing effort to reduce volatility and drive more predictable revenue. In accordance with GAAP, any loans for which fair value was previously elected continue to be measured as such. There were no loans accounted for under the fair value option that were 90 days or more past due and still accruing interest at June 30, 2024 or December 31, 2023. The unpaid principal balance of unguaranteed exposure for nonaccruals was $11.3 million and $9.1 million at June 30, 2024 and December 31, 2023, respectively. The following tables provide more information about the fair value carrying amount and the unpaid principal outstanding of loans accounted for under the fair value option at June 30, 2024 and December 31, 2023. June 30, 2024 Total Loans Nonaccruals 90 Days or More Past Due Fair Value Unpaid Difference Fair Value Unpaid Difference Fair Value Unpaid Difference Fair Value Option Elections Loans held for investment $ 363,017 $ 381,283 $ (18,266) $ 61,160 $ 63,489 $ (2,329) $ 50,735 $ 52,788 $ (2,053) December 31, 2023 Total Loans Nonaccruals 90 Days or More Past Due Fair Value Unpaid Difference Fair Value Unpaid Difference Fair Value Unpaid Difference Fair Value Option Elections Loans held for investment $ 388,036 $ 407,544 $ (19,508) $ 48,474 $ 50,749 $ (2,275) $ 36,490 $ 37,939 $ (1,449) The following table presents the net gains (losses) from changes in fair value. Three Months Ended June 30, Six Months Ended June 30, Gains (Losses) on Loans Accounted for under the Fair Value Option 2024 2023 2024 2023 Loans held for investment $ 172 $ 1,728 $ (47) $ (2,801) Losses related to borrower-specific credit risk were $0 for the three and six months ended June 30, 2024, respectively, and $291 thousand and $3.5 million for the three and six months ended June 30, 2023, respectively. The following tables summarize the activity pertaining to loans accounted for under the fair value option: Three Months Ended June 30, Six Months Ended June 30, Loans held for investment 2024 2023 2024 2023 Balance at beginning of period $ 379,222 $ 466,950 $ 388,036 $ 494,458 Repurchases 4,247 4,063 12,812 15,897 Fair value changes 172 1,728 (47) (2,801) Settlements (20,624) (30,960) (37,784) (65,773) Balance at end of period $ 363,017 $ 441,781 $ 363,017 $ 441,781 Non-Recurring Fair Value The tables below present the recorded amount of assets measured at fair value on a non-recurring basis. The Company has no liabilities recorded at fair value on a non-recurring basis. June 30, 2024 Total Level 1 Level 2 Level 3 Collateral-dependent loans $ 2,476 $ — $ — $ 2,476 Foreclosed assets 5,936 — — 5,936 Total assets at fair value $ 8,412 $ — $ — $ 8,412 December 31, 2023 Total Level 1 Level 2 Level 3 Collateral-dependent loans $ 4,503 $ — $ — $ 4,503 Foreclosed assets 6,481 — — 6,481 Total assets at fair value $ 10,984 $ — $ — $ 10,984 For additional information on the valuation techniques and significant inputs for Level 2 and Level 3 assets that are measured at fair value on a non-recurring basis, see Note 10. Fair Value of Financial Instruments in the Company’s 2023 Form 10-K. Level 3 Analysis For Level 3 assets measured at fair value on a recurring or non-recurring basis as of June 30, 2024 and December 31, 2023, the significant unobservable inputs used in the fair value measurements were as follows: June 30, 2024 Level 3 Assets with Significant Unobservable Inputs Fair Value Valuation Technique Significant Unobservable Inputs Range Weighted Average (1) Recurring fair value Municipal bond $ 85 Discounted expected cash flows Discount rate 7.0 % N/A Prepayment speed 5.0 % N/A Loans held for investment $ 363,017 Discounted expected cash flows Loss rate 0.0 % - 6.3 % 1.1 % Discount rate 7.1 % - 18.0 % 10.0 % Prepayment speed 14.4 % - 30.5 % 16.5 % Servicing assets $ 51,303 Discounted expected cash flows Discount rate 14.5 % 14.5 % Prepayment speed 11.8 % - 18.3 % 15.7 % Equity warrant assets $ 7,407 Black-Scholes option pricing model Volatility 13.1 % - 90.0 % 31.8 % Risk-free interest rate 4.3 % 4.3 % Marketability discount 5.0 % - 25.0 % 11.3 % Remaining life 3.4 - 12.0 years 5.4 years Non-recurring fair value Collateral-dependent loans $ 2,476 Discounted appraisals Appraisal adjustments (2) 10.0 % - 94.6 % 49.8 % Foreclosed assets $ 5,936 Discounted appraisals Appraisal adjustments (2) 10.0 % 10.0 % December 31, 2023 Level 3 Assets with Significant Unobservable Inputs Fair Value Valuation Technique Significant Unobservable Inputs Range Weighted Average (1) Recurring fair value Municipal bond $ 85 Discounted expected cash flows Discount rate 7.0 % N/A Prepayment speed 5.0 % N/A Loans held for investment $ 388,036 Discounted expected cash flows Loss rate 0.0 % - 7.4 % 1.2 % Discount rate 6.7 % - 18.0 % 9.6 % Prepayment speed 14.0% - 30.3% 16.0 % Servicing assets $ 48,186 Discounted expected cash flows Discount rate 14.5 % 14.5 % Prepayment speed 11.8% - 17.8% 15.3 % Equity warrant assets $ 2,874 Black-Scholes option pricing model Volatility 26.9 % - 90.0 % 35.8 % Risk-free interest rate 3.8 % - 3.9 % 3.9 % Marketability discount 20.0% - 25.0% 22.7 % Remaining life 3.9 - 10 years 7.6 years Non-recurring fair value Collateral-dependent loans $ 4,503 Discounted appraisals Appraisal adjustments (2) 10.0 % - 70.0 % 38.7 % Foreclosed assets $ 6,481 Discounted appraisals Appraisal adjustments (2) 10.0% - 17.4% 10.4 % (1) Weighted averages are determined by the relative fair value of the instruments or the relative contribution to the instruments fair value. (2) Appraisals may be adjusted by management for customized discounting criteria, estimated sales costs, and other qualitative adjustments. Estimated Fair Value of Other Financial Instruments GAAP also requires disclosure of the fair value of financial instruments carried at book value on the Unaudited Condensed Consolidated Balance Sheets. The carrying amounts and estimated fair values of the Company’s financial instruments not measured at fair value on a recurring or non-recurring basis are as follows: June 30, 2024 Carrying Amount Quoted Price Significant Significant Total Financial assets Cash and due from banks $ 615,449 $ 615,449 $ — $ — $ 615,449 Certificates of deposit with other banks 250 250 — — 250 Loans held for sale 363,632 — — 387,415 387,415 Loans and leases held for investment, net of allowance for credit losses on loans and leases 8,671,250 — — 8,978,176 8,978,176 Financial liabilities Deposits 10,707,031 — 10,444,354 — 10,444,354 Borrowings 117,745 — — 125,320 125,320 December 31, 2023 Carrying Amount Quoted Price Significant Significant Total Financial assets Cash and due from banks $ 582,540 $ 582,540 $ — $ — $ 582,540 Certificates of deposit with other banks 250 250 — — 250 Loans held for sale 387,037 — — 402,096 402,096 Loans and leases held for investment, net of allowance for credit losses on loans and leases 8,119,971 — — 8,600,046 8,600,046 Financial liabilities Deposits 10,275,019 — 10,080,182 — 10,080,182 Borrowings 23,354 — — 22,844 22,844

Commitments and Contingencies

Commitments and Contingencies	6 Months Ended
	Jun. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Litigation In the normal course of business, the Company is involved in various legal proceedings. Management believes that the outcome of such proceedings will not materially affect the financial position, results of operations or cash flows of the Company. Financial Instruments with Off-Balance-Sheet Risk The Company is party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. These instruments involve, to varying degrees, credit risk in excess of the amount recognized in the balance sheet. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as for on-balance-sheet instruments. A summary of the Company’s commitments is as follows: June 30, 2024 December 31, 2023 Commitments to extend credit (1) $ 3,264,580 $ 2,921,978 Standby letters of credit 5,821 20,487 Airplane purchase agreement commitments — 9,000 Total unfunded off-balance-sheet credit risk $ 3,270,401 $ 2,951,465 (1) Includes unfunded overdraft protection. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management’s credit evaluation of the party. Collateral held varies, but may include accounts receivable, inventory, property and equipment, residential real estate and income-producing commercial properties. Commitment letters are issued after approval of the loan by the Credit Department and generally expire ninety days after issuance. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. Collateral held varies as specified above and is required in instances which the Company deems necessary. The allowance for off-balance-sheet credit exposures was $10.4 million and $4.8 million at June 30, 2024 and December 31, 2023, respectively. During the three and six months ended June 30, 2024, the Company recorded $4.7 million and $5.6 million, respectively, in expense related to the allowance for off-balance sheet credit exposures. During the three and six months ended June 30, 2023, the Company recorded $482 thousand and $3.2 million, respectively, in expense related to the allowance for off-balance sheet credit exposures. Beginning in the second quarter of 2024, this expense was classified in the provision for credit losses. This expense has historically been classified in other expense and that classification remains unchanged for prior periods. Other Commitments The Company is in the final phase of constructing a new facility to accommodate expansion of its main campus. The total estimated cost to complete the construction program is approximately $38.9 million. At June 30, 2024, the Company has paid and was committed to approximately $37.5 million of the total estimated amount. As of June 30, 2024 and December 31, 2023, the Company recorded unfunded commitments to provide capital contributions for on-balance-sheet investments in the amount of $29.4 million and $29.0 million, respectively. Concentrations of Credit Risk The distribution of commitments to extend credit approximates the distribution of loans outstanding. The Company generally does not have a significant number of credits to any single borrower or group of related borrowers whereby their retained unguaranteed exposure exceeds $20.0 million, except for thirty-four relationships that have a retained unguaranteed exposure of $1.30 billion of which $811.8 million of the unguaranteed exposure has been disbursed. Additionally, the Company has future minimum lease payments receivable under non-cancelable operating leases totaling $44.5 million, of which no relationships exceed $20.0 million. The Company from time-to-time may have cash and cash equivalents on deposit with other financial institutions that exceed federally-insured limits. Geographic Concentration s The following table presents the geographic concentration of the Company's loan and lease portfolio at June 30, 2024: % of Total Geographic Regions (1) Midwest 12.6 % Northeast 17.7 Southeast 31.8 Southwest 12.1 West 25.8 Total 100.0 % (1) Concentrations are stated as a percentage of total unguaranteed loans held for investment. Midwest consists of ND, SD, NE, KS, MN, IA,WI, MO, IL, IN, MI and OH. Northeast consists of MD, DE, PA, NJ, NY, CT, RI, MA, VT, ME and NH. Southeast consists of AR, LA, MS, TN, AL, GA, FL, SC, KY, NC, VA, WV, DC, PR and VI. Southwest consists of AZ, NM, TX and OK. West consists of WA, OR, CA, NV, ID, MT, WY, CO, UT, AK and HI.

Segments

Segments	6 Months Ended
	Jun. 30, 2024
Segment Reporting [Abstract]
Segments	Segments The Company's management reporting process measures the performance of its operating segments based on internal operating structure, which is subject to change from time-to-time. Accordingly, the Company operates two reportable segments for management reporting purposes as discussed below: Banking - This segment specializes in providing financing services to small businesses nationwide in targeted industries and deposit-related services to small businesses, consumers and other customers nationwide. The primary source of revenue for this segment is net interest income and secondarily the origination and sale of government guaranteed loans. Fintech - This segment is involved in making strategic investments into emerging financial technology companies. The primary sources of revenue for this segment are principally gains and losses on equity method and equity security investments and management fees. The Fintech segment is comprised of the Company's direct wholly owned subsidiaries Live Oak Ventures and Canapi Advisors, and the investments held by those entities, as well as the Bank's investment in Apiture. The following tables provide financial information for the Company's segments. The information provided under the caption “Other” represents operations not considered to be reportable segments and/or general operating expenses of the Company, and includes the parent company, other non-bank subsidiaries and elimination adjustments to reconcile the results of the operating segments to the Unaudited Condensed Consolidated Financial Statements prepared in conformity with GAAP. Banking Fintech Other Consolidated As of and for the three months ended June 30, 2024 Interest income $ 198,368 $ 4 $ 76 $ 198,448 Interest expense 105,358 — 1,770 107,128 Net interest income (loss) 93,010 4 (1,694) 91,320 Provision for credit losses 11,765 — — 11,765 Noninterest income 32,189 1,164 806 34,159 Noninterest expense 73,049 2,721 1,886 77,656 Income tax expense (benefit) 10,195 (374) (726) 9,095 Net income (loss) $ 30,190 $ (1,179) $ (2,048) $ 26,963 Total assets $ 11,730,203 $ 137,029 $ 1,338 $ 11,868,570 As of and for the three months ended June 30, 2023 Interest income $ 169,586 $ 8 $ 118 $ 169,712 Interest expense 85,103 — 307 85,410 Net interest income (loss) 84,483 8 (189) 84,302 Provision for credit losses 13,028 — — 13,028 Noninterest income 21,488 1,998 670 24,156 Noninterest expense 71,916 2,707 1,834 76,457 Income tax expense (benefit) 1,404 26 (1) 1,429 Net income (loss) $ 19,623 $ (727) $ (1,352) $ 17,544 Total assets $ 10,642,872 $ 124,459 $ 51,865 $ 10,819,196 Banking Fintech Other Consolidated As of and for the six months ended June 30, 2024 Interest income $ 390,637 $ 27 $ 204 $ 390,868 Interest expense 207,356 — 2,081 209,437 Net interest income (loss) 183,281 27 (1,877) 181,431 Provision for credit losses 28,129 — — 28,129 Noninterest income 57,340 1,625 1,291 60,256 Noninterest expense 146,134 5,071 4,188 155,393 Income tax expense (benefit) 6,461 (868) (1,977) 3,616 Net income (loss) $ 59,897 $ (2,551) $ (2,797) $ 54,549 Total assets $ 11,730,203 $ 137,029 $ 1,338 $ 11,868,570 As of and for the six months ended June 30, 2023 Interest income $ 320,855 $ 20 $ 253 $ 321,128 Interest expense 154,180 — 629 154,809 Net interest income (loss) 166,675 20 (376) 166,319 Provision for credit losses 32,049 — — 32,049 Noninterest income 38,485 4,037 1,213 43,735 Noninterest expense 146,399 4,963 4,057 155,419 Income tax expense (benefit) 4,701 182 (239) 4,644 Net income (loss) $ 22,011 $ (1,088) $ (2,981) $ 17,942 Total assets $ 10,642,872 $ 124,459 $ 51,865 $ 10,819,196

Basis of Presentation (Policies

Basis of Presentation (Policies)	6 Months Ended
	Jun. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
General	General In the opinion of management, all adjustments necessary for a fair presentation of the financial position and results of operations for the periods presented have been included, and all intercompany transactions have been eliminated in consolidation. Results of operations for the three and six months ended June 30, 2024 are not necessarily indicative of the results of operations that may be expected for the year ending December 31, 2024. The Condensed Consolidated Balance Sheet as of December 31, 2023 has been derived from the audited consolidated financial statements contained in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2023, filed with the Securities Exchange Commission ( “ SEC ” ) on February 22, 2024 (SEC File No. 001-37497) (the “ 2023 Form 10-K ” ). A summary description of the significant accounting policies followed by the Company is set forth in Note 1 of the Notes to Consolidated Financial Statements in the Company’s 2023 Form 10-K. These Unaudited Condensed Consolidated Financial Statements should be read in conjunction with the audited consolidated financial statements and footnotes in the Company's 2023 Form 10-K. The preparation of financial statements in conformity with United States ( “ U.S. ” ) generally accepted accounting principles ( “ GAAP ” ) requires management to make estimates and assumptions that affect reported amounts of assets and liabilities and the reported amounts of revenues and expenses during the reporting period. Actual results could differ significantly from those estimates. Amounts in all tables in the Notes to Unaudited Condensed Consolidated Financial Statements have been presented in thousands, except percentage, time period, share and per share data or where otherwise indicated.
Business Segments	Business Segments
Recent Accounting Pronouncements	Recent Accounting Pronouncements In March 2020, the FASB issued Accounting Standards Update (“ASU”) No. 2020-04 “Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting” (“ASU 2020-04”). ASU 2020-04 provides optional guidance for a limited period of time to ease the potential burden in accounting for (or recognizing the effects of) reference rate reform on financial reporting. In December 2022, ASU 2022-06 “Reference Rate Reform (Topic 848): Deferral of the Sunset Date of Topic 848” was issued deferring the sunset date of Topic 848. As subsequently amended, the guidance in the ASU can be applied by the Company through December 31, 2024. To address the discontinuance of LIBOR, the Company stopped originating variable LIBOR-based loans effective December 31, 2021 and started to negotiate loans using the preferred replacement index, the Secured Overnight Financing Rate (“SOFR”) or a relevant duration U.S. Treasury rate. As of March 31, 2024, the Company had transitioned all its LIBOR-based loan exposure to an alternative index. The application of the standard did not have a material effect on the Consolidated Financial Statements. In June 2022, the FASB issued ASU No. 2022-03 “Fair Value Measurement (Topic 820) Fair Value Measurement of Equity Securities Subject to Contractual Restrictions” (“ASU 2022-03”). ASU 2022-03 indicates a contractual sale restriction on equity securities should not be considered in measuring fair value, however, disclosure should be made about such restrictions. The Company adopted the standard on January 1, 2024 with no material effect on its Consolidated Financial Statements. In March 2023, the FASB issued ASU No. 2023-02 “Investments-Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method” (“ASU 2023-02”). ASU 2023-02 permits companies to account for tax equity investments, regardless of the tax credit program from which the income tax credits are received, using the proportional amortization method if certain conditions are met. The Company adopted the standard on January 1, 2024 with no material effect on its Consolidated Financial Statements. In October 2023, the FASB issued ASU No. 2023-06 “Disclosure Improvements - Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative” (“ASU 2023-06”). ASU 2023-06 amends the ASC to incorporate certain disclosure requirements from SEC Release No. 33-10532 - Disclosure Update and Simplification that was issued in 2018. The effective date for each amendment will be the date on which the SEC’s removal of that related disclosure from Regulation S-X or Regulation S-K becomes effective, with early adoption prohibited. The Company does not believe this standard will have a material impact on its Consolidated Financial Statements. In November 2023, the FASB issued ASU No. 2023-07 “Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures” (“ASU 2023-07”). ASU 2023-07 improves reportable segment disclosure requirements, primarily through enhanced disclosures about significant segment expenses. The amendments in this standard will be effective for the Company for the fiscal year ended December 31, 2024 and subsequent interim periods. The amendments will be applied retrospectively to all prior periods in the Consolidated Financial Statements. The Company is currently evaluating the impact the amendments will have on the Consolidated Financial Statements and related disclosures. In December 2023, the FASB issued ASU No. 2023-09 “Income Taxes (Topic 740): Improvements to Income Tax Disclosures” (“ASU 2023-09”). ASU 2023-09 requires enhanced income tax disclosures primarily related to the rate reconciliation and income taxes paid information to provide more transparency by requiring (i) consistent categories and greater disaggregation of information in the rate reconciliation table and (ii) income taxes paid, net of refunds, to be disaggregated by jurisdiction based on an established threshold. The amendments in this standard will be effective for the Company on January 1, 2025. The Company is currently evaluating the impact the amendments will have the Consolidated Financial Statements and related disclosures. In March 2024, the FASB issued ASU 2024-01 “Compensation - Stock Compensation (Topic 718): Scope Application of Profits Interest and Similar Awards” (“ASU 2024-01”). ASU 2024-01 adds an illustrative example to clarify how an entity should determine whether a profits interest or similar award is within the scope of ASC 718. The amendments in this standard will be effective for the Company on January 1, 2025. The Company does not believe this standard will have a material impact on its Consolidated Financial Statements. In March 2024, the FASB issued ASU 2024-02 “Codification Improvements - Amendments to Remove References to the Concepts Statements” (“ASU 2024-02”). ASU 2024-02 removes references to various Concepts Statements in the Codification. The amendments in this standard will be effective for the Company on January 1, 2025. The Company does not believe this standard will have a material impact on its Consolidated Financial Statements.
Variable Interest Entities	Variable Interest Entities Variable interests are defined as contractual ownership or other interests in an entity that change with fluctuations in the fair value of an entity's net asset value (a “VIE”). The primary beneficiary consolidates the VIE. The primary beneficiary is defined as the enterprise that has both the power to direct the activities of the VIE that most significantly impact the entity's economic performance and the obligation to absorb losses or the right to receive benefits that could be significant to the VIE. Solar Renewable Energy Tax Credit Investments The Company has equity interests in several limited liability companies that own and operate solar renewable energy projects which are accounted for as equity method investments. Over the course of the investments, the Company will receive federal and state tax credits, tax-related benefits, and excess cash available for distribution, if any. The Company may be called to sell its interest in the limited partnerships through a call option once all investment tax credits have been recognized. Affordable Housing The Company has an equity investment in a limited liability company LIHTC that qualifies as an affordable housing project, managed by an unrelated general partner. The Company accounts for the investment under the proportional amortization method. Under this method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance as a component of income tax expense. The Company also has equity interests in two limited liability companies that invest in the acquisition, rehabilitation, or new construction of local qualified housing projects which are accounted for as equity method investments. Canapi Funds The Company’s limited partnership investments in the Canapi Funds focus on providing venture capital to new and emerging financial technology companies. After the initial commitment and over the course of the investment period, the Company will make capital contributions and receive profit and return of capital distributions as a result of fund performance until the funds wind down. Non-marketable and Other Equity Investments The Company also has limited interests in several non-marketable funds, including Small Business Investment Company (“SBIC”) and venture capital funds, which are generally accounted for as equity security investments. After the initial commitment and over the course of the investment period, the Company will make capital contributions and receive profit and return of capital distributions as a result of fund performance until the funds wind down. While the partnership agreements allow the Company to remove the general partner, this right is not deemed to be substantive as the general partner can only be removed for cause. All investments are generally non-redeemable and distributions are expected to be received through the liquidation of the underlying investments throughout the life of the investment fund. Investments may only be sold or transferred subject to the notice and approval provisions of the underlying investment agreement. All above investments meet the criteria of a VIE, however, the Company is not the primary beneficiary of the entities, as it does not have the power to direct the activities that most significantly impact the economic performance of the entities. The Company’s investment in the unconsolidated VIEs are carried in other assets and the Company’s unfunded capital and other commitments related to the unconsolidated VIEs are carried in other liabilities on the Unaudited Condensed Consolidated Balance Sheets. The Company’s maximum exposure to loss from unconsolidated VIEs includes the investment recorded on the Company’s Unaudited Condensed Consolidated Balance Sheets. For solar tax credit investments, the balance sheet figures are net of any impairment recognized, and includes previously recorded tax credits which remain subject to recapture by taxing authorities based on compliance features required to be met at the project level. While the Company believes the potential for loss from these investments is remote, the maximum exposure for solar tax credit investments was determined by assuming a scenario where related tax credits were recaptured.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2024
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Share	Basic and diluted earnings per share are computed based on the weighted-average number of shares outstanding during each period. Diluted earnings per share reflects the potential dilution that could occur upon the exercise of stock options or upon the vesting of restricted stock grants, any of which would result in the issuance of common stock that would then share in the net income of the Company. Three Months Ended Six Months Ended 2024 2023 2024 2023 Basic earnings per share: Net income $ 26,963 $ 17,544 $ 54,549 $ 17,942 Weighted-average basic shares outstanding 44,974,942 44,327,474 44,868,625 44,242,785 Basic earnings per share $ 0.60 $ 0.40 $ 1.22 $ 0.41 Diluted earnings per share: Net income, for diluted earnings per share $ 26,963 $ 17,544 $ 54,549 $ 17,942 Total weighted-average basic shares outstanding 44,974,942 44,327,474 44,868,625 44,242,785 Add effect of dilutive stock options and restricted stock grants 550,140 507,615 714,521 657,538 Total weighted-average diluted shares outstanding 45,525,082 44,835,089 45,583,146 44,900,323 Diluted earnings per share $ 0.59 $ 0.39 $ 1.20 $ 0.40 Anti-dilutive stock options and restricted shares 945,063 2,096,220 702,331 2,096,220

Securities (Tables)

Securities (Tables)	6 Months Ended
	Jun. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Summary of Carrying Amount and Fair Value of Securities	The carrying amount of securities and their approximate fair values are reflected in the following table: June 30, 2024 Amortized Cost Unrealized Gains Unrealized Losses Fair Value U.S. government agencies $ 12,088 $ — $ 316 $ 11,772 Mortgage-backed securities 1,255,002 670 119,242 1,136,430 Municipal bonds 3,189 — 196 2,993 Total $ 1,270,279 $ 670 $ 119,754 $ 1,151,195 December 31, 2023 Amortized Unrealized Unrealized Fair U.S. government agencies $ 17,809 $ 2 $ 282 $ 17,529 Mortgage-backed securities 1,216,624 466 111,498 1,105,592 Municipal bonds 3,200 — 161 3,039 Total $ 1,237,633 $ 468 $ 111,941 $ 1,126,160
Debt Securities Available-for-Sale in Unrealized Loss Position	The following tables show debt securities available-for-sale in an unrealized loss position for which an allowance for credit losses has not been recorded, aggregated by investment category and length of time that the individual securities have been in a continuous unrealized loss position. Less Than 12 Months 12 Months or More Total June 30, 2024 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. government agencies $ — $ — $ 11,772 $ 316 $ 11,772 $ 316 Mortgage-backed securities 141,956 1,556 945,975 117,686 1,087,931 119,242 Municipal bonds — 2,993 196 2,993 196 Total $ 141,956 $ 1,556 $ 960,740 $ 118,198 $ 1,102,696 $ 119,754 Less Than 12 Months 12 Months or More Total December 31, 2023 Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. government agencies $ — $ — $ 15,057 $ 282 $ 15,057 $ 282 Mortgage-backed securities 138,823 3,431 886,699 108,067 1,025,522 111,498 Municipal bonds — — 3,039 161 3,039 161 Total $ 138,823 $ 3,431 $ 904,795 $ 108,510 $ 1,043,618 $ 111,941
Summary of Investment Securities by Maturity	The following is a summary of investment securities by maturity: June 30, 2024 Available-for-Sale Amortized Cost Fair Value U.S. government agencies Within one year $ 4,000 $ 3,924 One to five years 8,088 7,848 Total 12,088 11,772 Mortgage-backed securities Within one year 19,240 19,038 One to five years 176,763 166,444 Five to 10 years 221,724 196,487 After 10 years 837,275 754,461 Total 1,255,002 1,136,430 Municipal bonds Five to 10 years 3,092 2,908 After 10 years 97 85 Total 3,189 2,993 Total $ 1,270,279 $ 1,151,195
Summary of Equity Method Investments	The carrying amount and ownership percentage of each equity method investment at June 30, 2024 and December 31, 2023 is reflected in the following table: June 30, 2024 December 31, 2023 Amount Ownership % Amount Ownership % Apiture, Inc. $ 56,802 40.4 % $ 60,682 40.4 % Canapi Ventures SBIC Fund, LP (1) (5) 16,380 2.9 18,190 2.9 Canapi Ventures Fund, LP (2) (5) 1,980 1.5 2,267 1.5 Canapi Ventures Fund II, LP (3) (5) 7,175 1.6 7,232 1.6 Canapi Ventures SBIC Fund II, LP (4) (5) 7,551 2.9 7,611 2.9 Other (6) 24,639 Various 22,932 Various Total $ 114,527 $ 118,914 (1) Includes unfunded commitments of $4.8 million and $5.0 million as of June 30, 2024 and December 31, 2023, respectively. (2) Includes unfunded commitments of $536 thousand and $559 thousand as of June 30, 2024 and December 31, 2023, respectively. (3) Includes unfunded commitments of $6.2 million and $6.3 million as of June 30, 2024 and December 31, 2023, respectively. (4) Includes unfunded commitments of $7.0 million and $7.1 million as of June 30, 2024 and December 31, 2023, respectively. (5) Investee is accounted for under equity method due to the Company's participation as an investment advisor. (6) As of June 30, 2024, and December 31, 2023 Other investments include low income housing tax credit (“LIHTC”) in Estrella Landing Apartments LLC (“Estrella Landing”), in which the Company holds a 99.9% limited member interest. Also included in Other investments are solar income tax credit investments in Green Sun Tenant LLC (“Green Sun”), SVA 2021-2 TE Holdco LLC (“Sun Vest”), EG5 CSP1 Holding LLC (“HEP”) and HRE Lessee I, LLC ("Heelstone"), which the Company holds a 99.0% limited member interest in all investments. Also included are Cape Fear Collective Impact Opportunity 1 LLC (“Cape Fear Collective”), Cape Fear Collective Impact Opportunity 2 LLC (“Cape Fear Collective 2”) and OTR Fund I, LLC ("OTR") which the Company holds 91.0%, 32.3%, and 5.9% of limited member interests, respectively. As of June 30, 2024, Other investments also includes Capitala SBIC Fund VI, LP which the Company holds less than 1% limited partner interest, but does maintain potential participation through a lending relationship, with an unfunded commitment of $750 thousand. As of June 30, 2024, and December 31, 2023, there was an unfunded commitment of $6.4 million and $7.7 million, respectively, for Estrella Landing.
Summary of Carrying Amount of Company Investments in Non Marketable Equity Securities with No Readily Determinable Fair Value and Amounts Recognized in Earnings	The carrying amount of the Company’s investments in non-marketable equity securities with no readily determinable fair value and amounts recognized in earnings on a cumulative basis as of June 30, 2024 and as of and for the six months ended June 30, 2024 and 2023 is reflected in the following table: As of and for the six month period ended Cumulative Adjustments June 30, 2024 June 30, 2023 Carrying value (1) $ 80,467 $ 77,586 Carrying value adjustments: Impairment $ — — — Upward changes for observable prices (2) 50,548 56 — Downward changes for observable prices (1,980) (369) — Net upward (downward) change $ 48,568 $ (313) $ — (1) Includes $2.7 million and $2.8 million in unfunded commitments as of June 30, 2024, and June 30, 2023, respectively. (2) Cumulative adjustments excludes $13.9 million in realized gains for sale of an investment in the second quarter of 2021.
Schedule of Variable Interest Entities	The following table provides a summary of the VIEs that the Company has not consolidated as of June 30, 2024 and December 31, 2023: June 30, 2024 Investment Carrying Amount Maximum Exposure to Loss Liability Recognized Classification Solar tax credit investments $ 7,196 $ 39,994 $ 1,008 Other assets (1) Affordable housing 15,411 16,235 6,444 Other assets & other liabilities (2) Canapi Funds 33,086 33,086 18,528 Other assets & other liabilities Non-marketable and other equity investments 9,775 9,775 3,445 Other assets & other liabilities December 31, 2023 Investment Carrying Amount Maximum Exposure to Loss Liability Recognized Classification Solar tax credit investments $ 6,714 $ 48,869 $ — Other assets (3) Affordable housing 15,611 15,611 7,715 Other assets & other liabilities (4) Canapi Funds 35,300 35,300 18,930 Other assets & other liabilities Non-marketable and other equity investments 8,840 8,840 2,321 Other assets & other liabilities (1) Maximum exposure to loss represents $7.2 million of current investments and a scenario in which related tax credits are recaptured, collectively totaling $32.8 million. (2) Maximum exposure to loss represents $15.4 million of investments and a scenario in which related tax credits are recaptured, collectively totaling $824 thousand. (3) Maximum exposure to loss represents $6.7 million of current investments and a scenario in which related tax credits are recaptured, collectively totaling $42.2 million. (4) Maximum exposure to loss represents $15.6 million of investments. As there are no tax credits allocated in 2023, there is no increase to the maximum exposure to loss related to recaptured tax credits on the $8.8 million LIHTC investment as of December 31, 2023.

Loans and Leases Held for Inv_2

Loans and Leases Held for Investment and Credit Quality (Tables)	6 Months Ended
	Jun. 30, 2024
Receivables [Abstract]
Summary of Total Loans and Leases Held for Investment and Aging Analysis of Portfolio Segments	The following tables present total loans and leases held for investment and an aging analysis for the Company’s portfolio segments. Loans and leases are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Current or Less than 30 Days 30-89 Days 90 Days or More Past Due Total Past Due Total Carried at Amortized Loans Accounted for Under the Fair Value Option (1) Total Loans and Leases June 30, 2024 Commercial & Industrial Small Business Banking $ 2,102,720 $ 19,773 $ 65,790 $ 85,563 $ 2,188,283 $ 139,107 $ 2,327,390 Specialty Lending 1,173,583 9,031 — 9,031 1,182,614 5,098 1,187,712 Energy & Infrastructure 877,681 263 11,030 11,293 888,974 45,525 934,499 Paycheck Protection Program 4,064 — — — 4,064 — 4,064 Total 4,158,048 29,067 76,820 105,887 4,263,935 189,730 4,453,665 Construction & Development Small Business Banking 424,463 6,179 2,468 8,647 433,110 — 433,110 Specialty Lending 40,295 — — — 40,295 — 40,295 Energy & Infrastructure 11,001 — — — 11,001 — 11,001 Total 475,759 6,179 2,468 8,647 484,406 — 484,406 Commercial Real Estate Small Business Banking 2,569,139 15,584 28,525 44,109 2,613,248 117,191 2,730,439 Specialty Lending 688,585 8,500 — 8,500 697,085 — 697,085 Energy & Infrastructure 191,465 1,008 3,072 4,080 195,545 20,680 216,225 Total 3,449,189 25,092 31,597 56,689 3,505,878 137,871 3,643,749 Commercial Land Small Business Banking 574,748 1,066 1,864 2,930 577,678 35,416 613,094 Total 574,748 1,066 1,864 2,930 577,678 35,416 613,094 Total $ 8,657,744 $ 61,404 $ 112,749 $ 174,153 $ 8,831,897 $ 363,017 $ 9,194,914 Retained Loan Discount and Net Deferred Costs $ (22,780) Loans and Leases, Net $ 9,172,134 Guaranteed Balance $ 2,911,202 $ 30,122 $ 93,956 $ 124,078 $ 3,035,280 $ 76,644 $ 3,111,924 % Guaranteed 33.6% 49.1% 83.3% 71.2% 34.4% 21.1% 33.8% Current or Less than 30 Days 30-89 Days Past Due 90 Days or More Past Due Total Past Due Total Carried at Amortized Loans Accounted for Under the Fair Value Option (1) Total Loans and Leases December 31, 2023 Commercial & Industrial Small Business Banking $ 2,075,227 $ 16,570 $ 33,366 $ 49,936 $ 2,125,163 $ 151,887 $ 2,277,050 Specialty Lending 1,131,493 — — — 1,131,493 7,829 1,139,322 Energy & Infrastructure 842,907 2,806 4,044 6,850 849,757 46,185 895,942 Paycheck Protection Program 5,595 — — — 5,595 — 5,595 Total 4,055,222 19,376 37,410 56,786 4,112,008 205,901 4,317,909 Construction & Development Small Business Banking 413,349 1,745 — 1,745 415,094 — 415,094 Specialty Lending 47,419 — — — 47,419 — 47,419 Energy & Infrastructure 7,541 — — — 7,541 — 7,541 Total 468,309 1,745 — 1,745 470,054 — 470,054 Commercial Real Estate Small Business Banking 2,414,677 18,589 32,310 50,899 2,465,576 127,358 2,592,934 Specialty Lending 511,712 — 12,032 12,032 523,744 — 523,744 Energy & Infrastructure 158,613 — 3,072 3,072 161,685 17,751 179,436 Total 3,085,002 18,589 47,414 66,003 3,151,005 145,109 3,296,114 Commercial Land Small Business Banking 531,331 1,521 1,910 3,431 534,762 37,026 571,788 Total 531,331 1,521 1,910 3,431 534,762 37,026 571,788 Total $ 8,139,864 $ 41,231 $ 86,734 $ 127,965 $ 8,267,829 $ 388,036 $ 8,655,865 Retained Loan Discount and Net Deferred Costs $ (22,018) Loans and Leases, Net $ 8,633,847 Guaranteed Balance $ 2,877,105 $ 29,183 $ 61,107 $ 90,290 $ 2,967,395 $ 66,299 $ 3,033,694 % Guaranteed 35.3% 70.8% 70.5% 70.6% 35.9% 17.1% 35.0% (1) Retained portions of government guaranteed loans sold prior to January 1, 2021 are carried at fair value under FASB ASC Subtopic 825-10, Financial Instruments: Overall . See Note 9. Fair Value of Financial Instruments for additional information.
Summary of Asset Quality Indicators by Portfolio Class and Origination Year	The following tables present asset quality indicators by portfolio class and origination year. See Note 3. Loans and Leases Held for Investment and Credit Quality in the Company’s 2023 Form 10-K for additional discussion around the asset quality indicators that the Company uses to manage and monitor credit risk. Term Loans and Leases Amortized Cost Basis by Origination Year 2024 2023 2022 2021 2019 Prior Revolving Loans Revolving Loans Total (1) June 30, 2024 Small Business Banking Risk Grades 1 - 4 $ 436,371 $ 1,062,992 $ 1,408,497 $ 1,143,701 $ 593,527 $ 570,458 $ 78,309 $ 11,321 $ 5,305,176 Risk Grade 5 6,609 25,034 71,269 70,034 32,410 102,040 9,889 999 318,284 Risk Grades 6 - 8 — 12,251 53,912 43,325 31,135 44,121 3,945 170 188,859 Total 442,980 1,100,277 1,533,678 1,257,060 657,072 716,619 92,143 12,490 5,812,319 Specialty Lending Risk Grades 1 - 4 300,133 540,753 274,606 191,067 25,755 2,524 235,376 123,107 1,693,321 Risk Grade 5 — 11,402 72,552 35,664 36,225 7,886 33,564 5,854 203,147 Risk Grades 6 - 8 — 1,146 — 12,252 — — 3,352 6,776 23,526 Total 300,133 553,301 347,158 238,983 61,980 10,410 272,292 135,737 1,919,994 Energy & Infrastructure Risk Grades 1-4 75,942 404,239 210,587 94,360 42,211 73,019 15,058 — 915,416 Risk Grade 5 — — 17,868 108,517 — 26,016 — — 152,401 Risk Grades 6 - 8 — — 4,024 7,471 16,208 — — — 27,703 Total 75,942 404,239 232,479 210,348 58,419 99,035 15,058 — 1,095,520 Paycheck Protection Program Risk Grades 1 - 4 — — — 2,260 1,804 — — — 4,064 Total — — — 2,260 1,804 — — — 4,064 Total $ 819,055 $ 2,057,817 $ 2,113,315 $ 1,708,651 $ 779,275 $ 826,064 $ 379,493 $ 148,227 $ 8,831,897 Year-To-Date Gross Charge-offs Small Business Banking $ — $ 1,110 $ 4,818 $ 3,464 $ 53 $ 1,681 $ 899 $ 170 $ 12,195 Total $ — $ 1,110 $ 4,818 $ 3,464 $ 53 $ 1,681 $ 899 $ 170 $ 12,195 Term Loans and Leases Amortized Cost Basis by Origination Year 2023 2022 2021 2019 2018 Prior Revolving Loans Revolving Loans Total (1) December 31, 2023 Small Business Banking Risk Grades 1 - 4 $ 990,349 $ 1,470,824 $ 1,255,664 $ 660,926 $ 363,377 $ 296,132 $ 63,963 $ 11,047 $ 5,112,282 Risk Grade 5 7,744 72,913 60,115 37,390 42,095 50,705 7,174 1,407 279,543 Risk Grades 6 - 8 2,286 31,487 29,636 35,611 18,429 28,700 2,621 — 148,770 Total 1,000,379 1,575,224 1,345,415 733,927 423,901 375,537 73,758 12,454 5,540,595 Specialty Lending Risk Grades 1 - 4 640,596 337,880 226,170 21,286 9,103 112 210,460 58,441 1,504,048 Risk Grade 5 8,858 52,767 35,453 43,080 9,223 — 20,547 5,417 175,345 Risk Grades 6 - 8 — — 12,032 — — — 7,203 4,028 23,263 Total 649,454 390,647 273,655 64,366 18,326 112 238,210 67,886 1,702,656 Energy & Infrastructure Risk Grades 1 - 4 386,421 223,309 120,917 41,919 50,035 23,308 14,818 — 860,727 Risk Grade 5 — — 104,371 13,485 7,827 18,627 — — 144,310 Risk Grades 6 - 8 — 4,024 6,303 3,619 — — — — 13,946 Total 386,421 227,333 231,591 59,023 57,862 41,935 14,818 — 1,018,983 Paycheck Protection Program Risk Grades 1 - 4 — — 2,831 2,764 — — — — 5,595 Total — — 2,831 2,764 — — — — 5,595 Total $ 2,036,254 $ 2,193,204 $ 1,853,492 $ 860,080 $ 500,089 $ 417,584 $ 326,786 $ 80,340 $ 8,267,829 Current Period Gross Charge-offs Small Business Banking $ — $ 5,621 $ 6,435 $ 1,058 $ 1,225 $ 525 $ 1,097 $ — $ 15,961 Specialty Lending — — — — — — 7,966 — 7,966 Total $ — $ 5,621 $ 6,435 $ 1,058 $ 1,225 $ 525 $ 9,063 $ — $ 23,927 (1) Excludes $363.0 million and $388.0 million of loans accounted for under the fair value option as of June 30, 2024 and December 31, 2023, respectively. The following tables present guaranteed and unguaranteed loan and lease balances by asset quality indicator: June 30, 2024 Loan and Lease Balance (1) Guaranteed Balance Unguaranteed Balance % Guaranteed Risk Grades 1 - 4 $ 7,917,977 $ 2,624,641 $ 5,293,336 33.1 % Risk Grade 5 673,832 249,640 424,192 37.0 Risk Grades 6 - 8 240,088 160,999 79,089 67.1 Total $ 8,831,897 $ 3,035,280 $ 5,796,617 34.4 % December 31, 2023 Loan and Lease Balance (1) Guaranteed Balance Unguaranteed Balance % Guaranteed Risk Grades 1 - 4 $ 7,482,652 $ 2,622,558 $ 4,860,094 35.0 % Risk Grade 5 599,198 234,845 364,353 39.2 Risk Grades 6 - 8 185,979 109,992 75,987 59.1 Total $ 8,267,829 $ 2,967,395 $ 5,300,434 35.9 % (1) Excludes $363.0 million and $388.0 million of loans accounted for under the fair value option as of June 30, 2024 and December 31, 2023, respectively.
Nonaccrual Loans and Leases Held for Investment	Nonaccrual loans and leases held for investment as of June 30, 2024 and December 31, 2023 are as follows: June 30, 2024 Loan and Lease Balance (1) Guaranteed Unguaranteed Balance Unguaranteed Commercial & Industrial Small Business Banking $ 71,734 $ 62,734 $ 9,000 $ 403 Energy & Infrastructure 11,030 7,141 3,889 2,178 Total 82,764 69,875 12,889 2,581 Construction & Development Small Business Banking 2,467 2,263 204 — Total 2,467 2,263 204 — Commercial Real Estate Small Business Banking 45,868 34,795 11,073 4,909 Specialty Lending 11,499 — 11,499 11,499 Energy & Infrastructure 11,378 10,275 1,103 831 Total 68,745 45,070 23,675 17,239 Commercial Land Small Business Banking 6,116 5,544 572 183 Total 6,116 5,544 572 183 Total $ 160,092 $ 122,752 $ 37,340 $ 20,003 December 31, 2023 Loan and Lease Balance (1) Guaranteed Unguaranteed Balance Unguaranteed Commercial & Industrial Small Business Banking $ 47,558 $ 39,018 $ 8,540 $ 407 Energy & Infrastructure 6,850 2,794 4,056 2,546 Total 54,408 41,812 12,596 2,953 Construction & Development Small Business Banking 1,745 1,309 436 — Total 1,745 1,309 436 — Commercial Real Estate Small Business Banking 57,140 44,426 12,714 8,199 Specialty Lending 12,032 — 12,032 12,032 Energy & Infrastructure 3,072 2,799 273 — Total 72,244 47,225 25,019 20,231 Commercial Land Small Business Banking 6,566 5,332 1,234 194 Total 6,566 5,332 1,234 194 Total $ 134,963 $ 95,678 $ 39,285 $ 23,378 (1) Excludes loans accounted for under the fair value option. See Note 9. Fair Value of Financial Instruments for additional information. When a loan or lease is placed on nonaccrual status, any accrued interest is reversed from loan interest income. The following table summarizes the amount of accrued interest reversed during the periods presented: Three Months Ended June 30, Six Months Ended June 30, 2024 2023 2024 2023 Commercial & Industrial $ 364 $ 833 $ 974 $ 1,697 Commercial Real Estate 219 285 338 871 Commercial Land 52 — 52 — Construction & Development — — 30 56 Total $ 635 $ 1,118 $ 1,394 $ 2,624
Amortized Cost Basis of Collateral-Dependent Loans and Leases	The following table presents the amortized cost basis of collateral-dependent loans and leases, which are individually evaluated to determine expected credit losses, as of June 30, 2024 and December 31, 2023: Total Collateral-Dependent Loans Unguaranteed Portion June 30, 2024 Real Estate Business Assets Other Real Estate Business Assets Other Allowance for Credit Losses Commercial & Industrial Small Business Banking $ 2,722 $ 13,841 $ — $ 418 $ 4,734 $ — $ 3,172 Energy & Infrastructure — 3,022 — — 227 — 62 Total 2,722 16,863 — 418 4,961 — 3,234 Commercial Real Estate Small Business Banking 22,510 — — 4,533 — — 142 Total 22,510 — — 4,533 — — 142 Commercial Land Small Business Banking 3,742 — — 2,240 — — — Total 3,742 — — 2,240 — — — Total $ 28,974 $ 16,863 $ — $ 7,191 $ 4,961 $ — $ 3,376 Total Collateral-Dependent Loans Unguaranteed Portion December 31, 2023 Real Estate Business Assets Other Real Estate Business Assets Other Allowance for Credit Losses Commercial & Industrial Small Business Banking $ 2,737 $ 2,426 $ — $ 421 $ 547 $ — $ 277 Specialty Lending — 4,711 — — 4,711 — — Energy & Infrastructure — 3,022 — — 227 — — Total 2,737 10,159 — 421 5,485 — 277 Commercial Real Estate Small Business Banking 21,211 — — 6,298 — — — Total 21,211 — — 6,298 — — — Commercial Land Small Business Banking 1,735 — — 200 — — — Total 1,735 — — 200 — — — Total $ 25,683 $ 10,159 $ — $ 6,919 $ 5,485 $ — $ 277
Activity in the Allowance for Credit Losses ("ACL") by Portfolio Segment	The following table details activity in the ACL by portfolio segment allowance for the periods presented: Three Months Ended Commercial Construction & Commercial Commercial Total June 30, 2024 Beginning Balance $ 98,552 $ 4,292 $ 31,369 $ 4,828 $ 139,041 Charge offs (8,415) (35) (105) (8) (8,563) Recoveries 57 — 253 — 310 Provision (Recovery) 17,972 (563) (7,977) (2,353) 7,079 Ending Balance $ 108,166 $ 3,694 $ 23,540 $ 2,467 $ 137,867 June 30, 2023 Beginning Balance $ 72,058 $ 6,954 $ 25,062 $ 4,168 $ 108,242 Charge offs (2,198) — (278) — (2,476) Recoveries 558 — 764 — 1,322 Provision (Recovery) 8,989 (526) 4,360 205 13,028 Ending Balance $ 79,407 $ 6,428 $ 29,908 $ 4,373 $ 120,116 Six Months Ended Commercial Construction & Commercial Commercial Total June 30, 2024 Beginning Balance $ 87,581 $ 4,717 $ 28,864 $ 4,678 $ 125,840 Charge offs (11,744) (338) (105) (8) (12,195) Recoveries 512 — 267 — 779 Provision (Recoveries) 31,817 (685) (5,486) (2,203) 23,443 Ending Balance $ 108,166 $ 3,694 $ 23,540 $ 2,467 $ 137,867 June 30, 2023 Beginning Balance $ 64,995 $ 5,101 $ 22,901 $ 3,569 $ 96,566 Adoption of ASU 2022-02 (25) (166) (83) (402) (676) Charge offs (8,476) — (692) — (9,168) Recoveries 581 — 764 — 1,345 Provision 22,332 1,493 7,018 1,206 32,049 Ending Balance $ 79,407 $ 6,428 $ 29,908 $ 4,373 $ 120,116
Loans Modified	The following tables summarize the amortized cost basis of loans that were modified during the three and six months ended June 30, 2024 and June 30, 2023, respectively: Three Months Ended June 30, 2024 Other-Than-Insignificant Term Extension Interest Rate Reduction Combination - Term Extension & Payment Delay % of Total Class of Small Business Banking $ 6,459 $ — $ — $ — 0.11 % Specialty Lending 2,333 — — — 0.12 Total $ 8,792 $ — $ — $ — 0.23 % Six Months Ended June 30, 2024 Other-Than-Insignificant Term Extension Interest Rate Reduction Combination - Term Extension & Payment Delay % of Total Class of Small Business Banking $ 6,459 $ — $ — $ — 0.11 % Specialty Lending 2,333 — — — 0.12 Total $ 8,792 $ — $ — $ — 0.23 % Three Months Ended June 30, 2023 Other-Than-Insignificant Term Extension Interest Rate Reduction Combination - Term Extension & Payment Delay % of Total Class of Small Business Banking $ — $ — $ — $ 361 0.01 % Specialty Lending — 4,427 — — 0.26 Total $ — $ 4,427 $ — $ 361 0.27 % Six Months Ended June 30, 2023 Other-Than-Insignificant Term Extension Interest Rate Reduction Combination - Term Extension & Payment Delay % of Total Class of Small Business Banking $ — $ — $ 3,436 $ 361 0.08 % Specialty Lending — 244 — 4,183 0.26 % Energy & Infrastructure — 13,517 — — 2.14 % Total $ — $ 13,761 $ 3,436 $ 4,544 2.48 % The following table presents an aging analysis of loans that were modified within the twelve months ended June 30, 2024: Current 30-89 Days 90 Days or More Past Due Total Past Due Small Business Banking $ 21,518 $ — $ — $ — Specialty Lending 2,333 — — — Total $ 23,851 $ — $ — $ — The following tables summarize the financial impacts of loan modifications made to borrowers experiencing financial difficulty during the prior periods presented: Three Months Ended June 30, 2023 Weighted Average Weighted Average Small Business Banking — % 161 Specialty Lending — 72 Six Months Ended June 30, 2023 Weighted Average Weighted Average Small Business Banking 1.45 % 161 Specialty Lending — 72 Energy & Infrastructure — 12

Leases (Tables)

Leases (Tables)	6 Months Ended
	Jun. 30, 2024
Leases [Abstract]
Net Lease Investment Direct Finance Leases	The net investment in direct finance leases included in loans and leases held for investment are as follows: June 30, 2024 December 31, 2023 Gross direct finance lease payments receivable $ 1,684 $ 2,335 Less – unearned interest (145) (218) Net investment in direct financing leases $ 1,539 $ 2,117
Future Minimum Finance Lease Payments	Future minimum lease payments to be received under finance leases are as follows: As of June 30, 2024 Amount 2024 $ 599 2025 968 2026 117 Total $ 1,684
Maturity Analysis of Future Minimum Operating Lease Payments to be Received	A maturity analysis of future minimum lease payments to be received under non-cancelable operating leases is as follows: As of June 30, 2024 Amount 2024 $ 4,981 2025 8,741 2026 8,721 2027 8,483 2028 3,837 Thereafter 9,708 Total $ 44,471

Servicing Assets (Tables)

Servicing Assets (Tables)	6 Months Ended
	Jun. 30, 2024
Transfers and Servicing [Abstract]
Summary of Activity Pertaining to Servicing Rights	The following table summarizes the activity pertaining to servicing rights measured at fair value: Three Months Ended Six Months Ended 2024 2023 2024 2023 Balance at beginning of period $ 48,962 $ 29,357 $ 48,186 $ 26,323 Additions, net 5,218 4,516 8,739 7,194 Fair value changes: Due to changes in valuation inputs or assumptions 701 (501) 922 2,123 Decay due to increases in principal paydowns or runoff (3,578) (2,330) (6,544) (4,598) Balance at end of period $ 51,303 $ 31,042 $ 51,303 $ 31,042

Borrowings (Tables)

Borrowings (Tables)	6 Months Ended
	Jun. 30, 2024
Debt Disclosure [Abstract]
Total Outstanding Borrowings	Total outstanding borrowings consisted of the following: June 30, December 31, Borrowings In March 2021, the Company entered into a 60-month term loan agreement of $50.0 million with a third party correspondent bank. The loan accrues interest at a fixed rate of 2.95% with a monthly payment sufficient to fully amortize the loan, with all remaining unpaid principal and interest due at maturity on March 30, 2026. The Company paid the Lender a non-refundable $325 thousand loan origination fee upon signing of the Note that is presented as a direct deduction from the carrying amount of the loan and will be amortized into interest expense over the life of the loan. $ 18,310 $ 23,354 In March 2024, the Company entered into a 60-month term loan agreement of $100.0 million with a third party correspondent bank. The loan accrues interest at a fixed rate of 5.95% with monthly interest payments until maturity on March 28, 2029, and $33.0 million of principal to be paid in year 4, and $67.0 million of principal to be paid in year 5. The Company paid the Lender a non-refundable $600 thousand loan origination fee upon signing of the Note that is represented as a direct deduction from the carrying amount of the loan and will be amortized into interest expense over the life of the loan. 99,435 — Total borrowings $ 117,745 $ 23,354

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2024
Fair Value Disclosures [Abstract]
Rollforward of Level 3 Equity Warrant Asset Fair Values	The table below provides a rollforward of the Level 3 equity warrant asset fair values: Three Months Ended June 30, Six Months Ended June 30, Equity Warrant Assets 2024 2023 2024 2023 Balance at beginning of period $ 8,700 $ 2,187 $ 2,874 $ 2,210 New equity warrant assets 123 91 493 244 Changes in fair value, net 585 194 6,246 18 Settlements (2,001) (221) (2,206) (221) Balance at end of period $ 7,407 $ 2,251 $ 7,407 $ 2,251
Record Amount of Assets and Liabilities Measured at Fair Value on a Recurring Basis	The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis. June 30, 2024 Total Level 1 Level 2 Level 3 Investment securities available-for-sale US government agencies $ 11,772 $ — $ 11,772 $ — Mortgage-backed securities 1,136,430 — 1,136,430 — Municipal bonds (1) 2,993 — 2,908 85 Loans held for investment 363,017 — — 363,017 Servicing assets (2) 51,303 — — 51,303 Mutual fund 1,011 — 1,011 — Equity warrant assets 7,407 — — 7,407 Total assets at fair value $ 1,573,933 $ — $ 1,152,121 $ 421,812 December 31, 2023 Total Level 1 Level 2 Level 3 Investment securities available-for-sale US government agencies $ 17,529 $ — $ 17,529 $ — Mortgage-backed securities 1,105,592 — 1,105,592 — Municipal bonds (1) 3,039 — 2,954 85 Loans held for investment 388,036 — — 388,036 Servicing assets (2) 48,186 — — 48,186 Mutual fund 1,645 — 1,645 — Equity warrant assets 2,874 — — 2,874 Total assets at fair value $ 1,566,901 $ — $ 1,127,720 $ 439,181 (1) During the three and six months ended June 30, 2024 there was no level 3 fair value adjustment gain or loss. During the three and six months ended June 30, 2023, the Company recorded a level 3 fair value adjustment gain of $1 thousand and loss of $9 thousand, respectively. (2) See Note 7 for a rollforward of recurring Level 3 fair values for servicing assets.
Summary of Fair Value Carrying Amount and Unpaid Principal Outstanding of Loans Under Fair Value Option	The following tables provide more information about the fair value carrying amount and the unpaid principal outstanding of loans accounted for under the fair value option at June 30, 2024 and December 31, 2023. June 30, 2024 Total Loans Nonaccruals 90 Days or More Past Due Fair Value Unpaid Difference Fair Value Unpaid Difference Fair Value Unpaid Difference Fair Value Option Elections Loans held for investment $ 363,017 $ 381,283 $ (18,266) $ 61,160 $ 63,489 $ (2,329) $ 50,735 $ 52,788 $ (2,053) December 31, 2023 Total Loans Nonaccruals 90 Days or More Past Due Fair Value Unpaid Difference Fair Value Unpaid Difference Fair Value Unpaid Difference Fair Value Option Elections Loans held for investment $ 388,036 $ 407,544 $ (19,508) $ 48,474 $ 50,749 $ (2,275) $ 36,490 $ 37,939 $ (1,449) The following table presents the net gains (losses) from changes in fair value. Three Months Ended June 30, Six Months Ended June 30, Gains (Losses) on Loans Accounted for under the Fair Value Option 2024 2023 2024 2023 Loans held for investment $ 172 $ 1,728 $ (47) $ (2,801)
Summary of the Activity Pertaining to Loans Accounted for Under Fair Value Option	The following tables summarize the activity pertaining to loans accounted for under the fair value option: Three Months Ended June 30, Six Months Ended June 30, Loans held for investment 2024 2023 2024 2023 Balance at beginning of period $ 379,222 $ 466,950 $ 388,036 $ 494,458 Repurchases 4,247 4,063 12,812 15,897 Fair value changes 172 1,728 (47) (2,801) Settlements (20,624) (30,960) (37,784) (65,773) Balance at end of period $ 363,017 $ 441,781 $ 363,017 $ 441,781
Recorded Amount of Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis	The tables below present the recorded amount of assets measured at fair value on a non-recurring basis. The Company has no liabilities recorded at fair value on a non-recurring basis. June 30, 2024 Total Level 1 Level 2 Level 3 Collateral-dependent loans $ 2,476 $ — $ — $ 2,476 Foreclosed assets 5,936 — — 5,936 Total assets at fair value $ 8,412 $ — $ — $ 8,412 December 31, 2023 Total Level 1 Level 2 Level 3 Collateral-dependent loans $ 4,503 $ — $ — $ 4,503 Foreclosed assets 6,481 — — 6,481 Total assets at fair value $ 10,984 $ — $ — $ 10,984
Analysis of Level 3 Valuation Techniques	For Level 3 assets measured at fair value on a recurring or non-recurring basis as of June 30, 2024 and December 31, 2023, the significant unobservable inputs used in the fair value measurements were as follows: June 30, 2024 Level 3 Assets with Significant Unobservable Inputs Fair Value Valuation Technique Significant Unobservable Inputs Range Weighted Average (1) Recurring fair value Municipal bond $ 85 Discounted expected cash flows Discount rate 7.0 % N/A Prepayment speed 5.0 % N/A Loans held for investment $ 363,017 Discounted expected cash flows Loss rate 0.0 % - 6.3 % 1.1 % Discount rate 7.1 % - 18.0 % 10.0 % Prepayment speed 14.4 % - 30.5 % 16.5 % Servicing assets $ 51,303 Discounted expected cash flows Discount rate 14.5 % 14.5 % Prepayment speed 11.8 % - 18.3 % 15.7 % Equity warrant assets $ 7,407 Black-Scholes option pricing model Volatility 13.1 % - 90.0 % 31.8 % Risk-free interest rate 4.3 % 4.3 % Marketability discount 5.0 % - 25.0 % 11.3 % Remaining life 3.4 - 12.0 years 5.4 years Non-recurring fair value Collateral-dependent loans $ 2,476 Discounted appraisals Appraisal adjustments (2) 10.0 % - 94.6 % 49.8 % Foreclosed assets $ 5,936 Discounted appraisals Appraisal adjustments (2) 10.0 % 10.0 % December 31, 2023 Level 3 Assets with Significant Unobservable Inputs Fair Value Valuation Technique Significant Unobservable Inputs Range Weighted Average (1) Recurring fair value Municipal bond $ 85 Discounted expected cash flows Discount rate 7.0 % N/A Prepayment speed 5.0 % N/A Loans held for investment $ 388,036 Discounted expected cash flows Loss rate 0.0 % - 7.4 % 1.2 % Discount rate 6.7 % - 18.0 % 9.6 % Prepayment speed 14.0% - 30.3% 16.0 % Servicing assets $ 48,186 Discounted expected cash flows Discount rate 14.5 % 14.5 % Prepayment speed 11.8% - 17.8% 15.3 % Equity warrant assets $ 2,874 Black-Scholes option pricing model Volatility 26.9 % - 90.0 % 35.8 % Risk-free interest rate 3.8 % - 3.9 % 3.9 % Marketability discount 20.0% - 25.0% 22.7 % Remaining life 3.9 - 10 years 7.6 years Non-recurring fair value Collateral-dependent loans $ 4,503 Discounted appraisals Appraisal adjustments (2) 10.0 % - 70.0 % 38.7 % Foreclosed assets $ 6,481 Discounted appraisals Appraisal adjustments (2) 10.0% - 17.4% 10.4 % (1) Weighted averages are determined by the relative fair value of the instruments or the relative contribution to the instruments fair value. (2) Appraisals may be adjusted by management for customized discounting criteria, estimated sales costs, and other qualitative adjustments.
Carrying Amount and Estimated Fair Value of Financial Instruments	The carrying amounts and estimated fair values of the Company’s financial instruments not measured at fair value on a recurring or non-recurring basis are as follows: June 30, 2024 Carrying Amount Quoted Price Significant Significant Total Financial assets Cash and due from banks $ 615,449 $ 615,449 $ — $ — $ 615,449 Certificates of deposit with other banks 250 250 — — 250 Loans held for sale 363,632 — — 387,415 387,415 Loans and leases held for investment, net of allowance for credit losses on loans and leases 8,671,250 — — 8,978,176 8,978,176 Financial liabilities Deposits 10,707,031 — 10,444,354 — 10,444,354 Borrowings 117,745 — — 125,320 125,320 December 31, 2023 Carrying Amount Quoted Price Significant Significant Total Financial assets Cash and due from banks $ 582,540 $ 582,540 $ — $ — $ 582,540 Certificates of deposit with other banks 250 250 — — 250 Loans held for sale 387,037 — — 402,096 402,096 Loans and leases held for investment, net of allowance for credit losses on loans and leases 8,119,971 — — 8,600,046 8,600,046 Financial liabilities Deposits 10,275,019 — 10,080,182 — 10,080,182 Borrowings 23,354 — — 22,844 22,844

Commitments and Contingencies (

Commitments and Contingencies (Tables)	6 Months Ended
	Jun. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Summary of Commitments	A summary of the Company’s commitments is as follows: June 30, 2024 December 31, 2023 Commitments to extend credit (1) $ 3,264,580 $ 2,921,978 Standby letters of credit 5,821 20,487 Airplane purchase agreement commitments — 9,000 Total unfunded off-balance-sheet credit risk $ 3,270,401 $ 2,951,465 (1) Includes unfunded overdraft protection.
Schedules of Concentration of Risk, by Risk Factor	The following table presents the geographic concentration of the Company's loan and lease portfolio at June 30, 2024: % of Total Geographic Regions (1) Midwest 12.6 % Northeast 17.7 Southeast 31.8 Southwest 12.1 West 25.8 Total 100.0 % (1) Concentrations are stated as a percentage of total unguaranteed loans held for investment. Midwest consists of ND, SD, NE, KS, MN, IA,WI, MO, IL, IN, MI and OH. Northeast consists of MD, DE, PA, NJ, NY, CT, RI, MA, VT, ME and NH. Southeast consists of AR, LA, MS, TN, AL, GA, FL, SC, KY, NC, VA, WV, DC, PR and VI. Southwest consists of AZ, NM, TX and OK. West consists of WA, OR, CA, NV, ID, MT, WY, CO, UT, AK and HI.

Segments (Tables)

Segments (Tables)	6 Months Ended
	Jun. 30, 2024
Segment Reporting [Abstract]
Schedule of Segment Information	The following tables provide financial information for the Company's segments. The information provided under the caption “Other” represents operations not considered to be reportable segments and/or general operating expenses of the Company, and includes the parent company, other non-bank subsidiaries and elimination adjustments to reconcile the results of the operating segments to the Unaudited Condensed Consolidated Financial Statements prepared in conformity with GAAP. Banking Fintech Other Consolidated As of and for the three months ended June 30, 2024 Interest income $ 198,368 $ 4 $ 76 $ 198,448 Interest expense 105,358 — 1,770 107,128 Net interest income (loss) 93,010 4 (1,694) 91,320 Provision for credit losses 11,765 — — 11,765 Noninterest income 32,189 1,164 806 34,159 Noninterest expense 73,049 2,721 1,886 77,656 Income tax expense (benefit) 10,195 (374) (726) 9,095 Net income (loss) $ 30,190 $ (1,179) $ (2,048) $ 26,963 Total assets $ 11,730,203 $ 137,029 $ 1,338 $ 11,868,570 As of and for the three months ended June 30, 2023 Interest income $ 169,586 $ 8 $ 118 $ 169,712 Interest expense 85,103 — 307 85,410 Net interest income (loss) 84,483 8 (189) 84,302 Provision for credit losses 13,028 — — 13,028 Noninterest income 21,488 1,998 670 24,156 Noninterest expense 71,916 2,707 1,834 76,457 Income tax expense (benefit) 1,404 26 (1) 1,429 Net income (loss) $ 19,623 $ (727) $ (1,352) $ 17,544 Total assets $ 10,642,872 $ 124,459 $ 51,865 $ 10,819,196 Banking Fintech Other Consolidated As of and for the six months ended June 30, 2024 Interest income $ 390,637 $ 27 $ 204 $ 390,868 Interest expense 207,356 — 2,081 209,437 Net interest income (loss) 183,281 27 (1,877) 181,431 Provision for credit losses 28,129 — — 28,129 Noninterest income 57,340 1,625 1,291 60,256 Noninterest expense 146,134 5,071 4,188 155,393 Income tax expense (benefit) 6,461 (868) (1,977) 3,616 Net income (loss) $ 59,897 $ (2,551) $ (2,797) $ 54,549 Total assets $ 11,730,203 $ 137,029 $ 1,338 $ 11,868,570 As of and for the six months ended June 30, 2023 Interest income $ 320,855 $ 20 $ 253 $ 321,128 Interest expense 154,180 — 629 154,809 Net interest income (loss) 166,675 20 (376) 166,319 Provision for credit losses 32,049 — — 32,049 Noninterest income 38,485 4,037 1,213 43,735 Noninterest expense 146,399 4,963 4,057 155,419 Income tax expense (benefit) 4,701 182 (239) 4,644 Net income (loss) $ 22,011 $ (1,088) $ (2,981) $ 17,942 Total assets $ 10,642,872 $ 124,459 $ 51,865 $ 10,819,196

Basis of Presentation (Details)

Basis of Presentation (Details) $ in Thousands		3 Months Ended				6 Months Ended
	Jul. 01, 2023 USD ($)	Jun. 30, 2024 USD ($)	Mar. 31, 2024 USD ($)	Sep. 30, 2023 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) segment	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Allowance for Loan Losses:
Number of reportable segments | segment						2
Total Loans and Leases		$ 9,194,914				$ 9,194,914		$ 8,655,865
Noninterest income		34,159			$ 24,156	60,256	$ 43,735
Gain (loss) on sale of property and equipment						(177)	(402)
Proceeds from sale of premises and equipment						978	$ 0
Premises and equipment, net		267,864				267,864		257,881
Air Transportation Equipment
Allowance for Loan Losses:
Proceeds from sale of premises and equipment			$ 20,900
Premises and equipment, net			$ 18,500
Air Transportation Equipment | Disposal Group, Disposed of by Sale, Not Discontinued Operations
Allowance for Loan Losses:
Gain (loss) on sale of property and equipment		6,700
Receivables Under The Fair Value Option
Allowance for Loan Losses:
Total Loans and Leases		$ 363,017				$ 363,017		$ 388,036
Change in Accounting Method Accounted for as Change in Estimate
Allowance for Loan Losses:
Increase in servicing assets	$ 13,700
Noninterest income				$ 15,000
Change in Accounting Method Accounted for as Change in Estimate | Receivables Under The Fair Value Option
Allowance for Loan Losses:
Total Loans and Leases	$ 1,300

Earnings Per Share - Computatio

Earnings Per Share - Computation of Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Basic earnings per share:
Net income	$ 26,963	$ 17,544	$ 54,549	$ 17,942
Weighted-average basic shares outstanding (in shares)	44,974,942	44,327,474	44,868,625	44,242,785
Basic earnings per share (in dollars per share)	$ 0.60	$ 0.40	$ 1.22	$ 0.41
Diluted earnings per share:
Net income, for diluted earnings per share	$ 26,963	$ 17,544	$ 54,549	$ 17,942
Total weighted-average basic shares outstanding (in shares)	44,974,942	44,327,474	44,868,625	44,242,785
Add effect of dilutive stock options and restricted stock grants (in shares)	550,140	507,615	714,521	657,538
Total weighted-average diluted shares outstanding (in shares)	45,525,082	44,835,089	45,583,146	44,900,323
Diluted earnings per share (in dollars per share)	$ 0.59	$ 0.39	$ 1.20	$ 0.40
Anti-dilutive stock options and restricted shares (in shares)	945,063	2,096,220	702,331	2,096,220

Securities - Carrying Amount an

Securities - Carrying Amount and Fair Value of Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	$ 1,270,279	$ 1,237,633
Unrealized Gains	670	468
Unrealized Losses	119,754	111,941
Fair Value	1,151,195	1,126,160
U.S. government agencies
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	12,088	17,809
Unrealized Gains	0	2
Unrealized Losses	316	282
Fair Value	11,772	17,529
Mortgage-backed securities
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	1,255,002	1,216,624
Unrealized Gains	670	466
Unrealized Losses	119,242	111,498
Fair Value	1,136,430	1,105,592
Municipal bonds
Debt Securities, Available-for-Sale [Line Items]
Amortized Cost	3,189	3,200
Unrealized Gains	0	0
Unrealized Losses	196	161
Fair Value	$ 2,993	$ 3,039

Securities - Narrative (Details

Securities - Narrative (Details)	3 Months Ended		6 Months Ended
	Jun. 30, 2024 USD ($) security	Jun. 30, 2023 USD ($) security	Jun. 30, 2024 USD ($) security	Jun. 30, 2023 USD ($) security	Dec. 31, 2023 USD ($) security
Debt Securities, Available-for-Sale [Line Items]
Accrued interest receivable on available-for-sale securities | $	$ 3,700,000		$ 3,700,000		$ 3,300,000
Unrealized gain (loss) on equity securities | $	31,000	$ 20,000	(269,000)	$ 4,000
Collateral Pledged
Debt Securities, Available-for-Sale [Line Items]
Debt securities, available-for-sale, restricted | $	$ 0		$ 0		$ 0
Sale Of Available-for-Sale Securities
Debt Securities, Available-for-Sale [Line Items]
Number of investment securities sold	1	2	2	2
Proceeds from sale of investment securities | $	$ 155,000	$ 2,700,000	$ 14,800,000	$ 2,700,000
Called Available-for-Sale Securities
Debt Securities, Available-for-Sale [Line Items]
Number of investment securities sold			1
Proceeds from sale of investment securities | $			$ 2,500,000
Maturities Of Available-for-Sale Securities
Debt Securities, Available-for-Sale [Line Items]
Number of investment securities sold	1		1
Proceeds from sale of investment securities | $	$ 3,000,000		$ 3,000,000
Mortgage-backed securities
Debt Securities, Available-for-Sale [Line Items]
Number of securities in unrealized loss portions for longer than 12 months	423		423		409
Number of securities in unrealized loss positions for less than 12 months	39		39		27
U.S. government agencies
Debt Securities, Available-for-Sale [Line Items]
Number of securities in unrealized loss portions for longer than 12 months	4		4		5
Municipal bonds
Debt Securities, Available-for-Sale [Line Items]
Number of securities in unrealized loss portions for longer than 12 months	2		2		2

Securities - Debt Securities Av

Securities - Debt Securities Available-for-Sale in Unrealized Loss Position (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-Sale [Line Items]
Securities in unrealized loss position, less than 12 months, fair value	$ 141,956	$ 138,823
Securities in unrealized loss position, less than 12 months, unrealized losses	1,556	3,431
Securities in unrealized loss position, 12 months or more, fair value	960,740	904,795
Securities in unrealized loss position, 12 months or more, unrealized losses	118,198	108,510
Securities in unrealized loss position, total, fair value	1,102,696	1,043,618
Securities in unrealized loss position, total, unrealized losses	119,754	111,941
U.S. government agencies
Debt Securities, Available-for-Sale [Line Items]
Securities in unrealized loss position, less than 12 months, fair value	0	0
Securities in unrealized loss position, less than 12 months, unrealized losses	0	0
Securities in unrealized loss position, 12 months or more, fair value	11,772	15,057
Securities in unrealized loss position, 12 months or more, unrealized losses	316	282
Securities in unrealized loss position, total, fair value	11,772	15,057
Securities in unrealized loss position, total, unrealized losses	316	282
Mortgage-backed securities
Debt Securities, Available-for-Sale [Line Items]
Securities in unrealized loss position, less than 12 months, fair value	141,956	138,823
Securities in unrealized loss position, less than 12 months, unrealized losses	1,556	3,431
Securities in unrealized loss position, 12 months or more, fair value	945,975	886,699
Securities in unrealized loss position, 12 months or more, unrealized losses	117,686	108,067
Securities in unrealized loss position, total, fair value	1,087,931	1,025,522
Securities in unrealized loss position, total, unrealized losses	119,242	111,498
Municipal bonds
Debt Securities, Available-for-Sale [Line Items]
Securities in unrealized loss position, less than 12 months, fair value		0
Securities in unrealized loss position, less than 12 months, unrealized losses	0	0
Securities in unrealized loss position, 12 months or more, fair value	2,993	3,039
Securities in unrealized loss position, 12 months or more, unrealized losses	196	161
Securities in unrealized loss position, total, fair value	2,993	3,039
Securities in unrealized loss position, total, unrealized losses	$ 196	$ 161

Securities - Summary of Investm

Securities - Summary of Investment Securities by Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Amortized Cost
Amortized Cost	$ 1,270,279	$ 1,237,633
Fair Value
Fair Value	1,151,195	1,126,160
U.S. government agencies
Amortized Cost
Within one year	4,000
One to five years	8,088
Amortized Cost	12,088	17,809
Fair Value
Within one year	3,924
One to five years	7,848
Fair Value	11,772	17,529
Mortgage-backed securities
Amortized Cost
Within one year	19,240
One to five years	176,763
Five to 10 years	221,724
After 10 years	837,275
Amortized Cost	1,255,002	1,216,624
Fair Value
Within one year	19,038
One to five years	166,444
Five to 10 years	196,487
After 10 years	754,461
Fair Value	1,136,430	1,105,592
Municipal bonds
Amortized Cost
Five to 10 years	3,092
After 10 years	97
Amortized Cost	3,189	3,200
Fair Value
Five to 10 years	2,908
After 10 years	85
Fair Value	$ 2,993	$ 3,039

Securities - Carrying and Owner

Securities - Carrying and Ownership Percentage of Each Equity Method Investment (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Schedule Of Equity Method Investments [Line Items]
Amount	$ 114,527	$ 118,914
Apiture, Inc.
Schedule Of Equity Method Investments [Line Items]
Amount	$ 56,802	$ 60,682
Ownership %	40.40%	40.40%
Canapi Ventures SBIC Fund, LP
Schedule Of Equity Method Investments [Line Items]
Amount	$ 16,380	$ 18,190
Ownership %	2.90%	2.90%
Canapi Ventures Fund, LP
Schedule Of Equity Method Investments [Line Items]
Amount	$ 1,980	$ 2,267
Ownership %	1.50%	1.50%
Canapi Ventures Fund II, LP
Schedule Of Equity Method Investments [Line Items]
Amount	$ 7,175	$ 7,232
Ownership %	1.60%	1.60%
Canapi Ventures SBIC Fund II, LP
Schedule Of Equity Method Investments [Line Items]
Amount	$ 7,551	$ 7,611
Ownership %	2.90%	2.90%
Other
Schedule Of Equity Method Investments [Line Items]
Amount	$ 24,639	$ 22,932
Ownership %, description	Various	Various

Securities - Carrying and Own_2

Securities - Carrying and Ownership Percentage of Each Equity Method Investment Narrative (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Estrella Landing
Schedule Of Equity Method Investments [Line Items]
Equity method investments, committed amount of investment	$ 6,400	$ 7,700
Ownership %	99.90%	99.90%
Green Sun, Sun Vest, HEP, And Heelstone
Schedule Of Equity Method Investments [Line Items]
Ownership %	99%	99%
Cape Fear Collective
Schedule Of Equity Method Investments [Line Items]
Ownership %	91%	91%
Cape Fear Collective 2
Schedule Of Equity Method Investments [Line Items]
Ownership %	32.30%	32.30%
OTR Fund I, LLC
Schedule Of Equity Method Investments [Line Items]
Ownership %	5.90%	5.90%
Capitala SBIC Fund VI, LP
Schedule Of Equity Method Investments [Line Items]
Equity method investments, committed amount of investment	$ 750
Ownership %	1%
Canapi Ventures SBIC Fund, LP
Schedule Of Equity Method Investments [Line Items]
Equity method investments, committed amount of investment	$ 4,800	$ 5,000
Canapi Ventures Fund, LP
Schedule Of Equity Method Investments [Line Items]
Equity method investments, committed amount of investment	536	559
Canapi Ventures Fund II, LP
Schedule Of Equity Method Investments [Line Items]
Equity method investments, committed amount of investment	6,200	6,300
Canapi Ventures SBIC Fund II, LP
Schedule Of Equity Method Investments [Line Items]
Equity method investments, committed amount of investment	$ 7,000	$ 7,100

Securities - Carrying Amount of

Securities - Carrying Amount of Company Investments in Non Marketable Equity Securities with No Readily Determinable Fair Value and Amounts Recognized in Earnings (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Carrying value	$ 80,467	$ 77,586
Cumulative Adjustments
Impairment	0
Upward changes for observable prices	50,548
Downward changes for observable prices	(1,980)
Net upward (downward) change	48,568
Annual amount
Impairment	0	0
Upward changes for observable prices	56	0
Downward changes for observable prices	(369)	0
Net upward (downward) change	$ (313)	$ 0

Securities - Carrying Amount _2

Securities - Carrying Amount of Company Investments in Non Marketable Equity Securities with No Readily Determinable Fair Value and Amounts Recognized in Earnings Narrative (Details) - USD ($) $ in Millions	3 Months Ended
	Jun. 30, 2021	Jun. 30, 2024	Jun. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Equity security investments, committed amount		$ 2.7	$ 2.8
Realized cash gains for sale of investment	$ 13.9

Securities - Summary of Variabl

Securities - Summary of Variable Interest Entities Not Consolidated (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Schedule Of Equity Method Investments [Line Items]
Liability Recognized	$ 10,907,521	$ 10,368,757
Variable Interest Entity, Not Primary Beneficiary | Solar tax credit investments
Schedule Of Equity Method Investments [Line Items]
Investment Carrying Amount	7,196	6,714
Maximum Exposure to Loss	39,994	48,869
Liability Recognized	1,008	0
Variable Interest Entity, Not Primary Beneficiary | Affordable housing
Schedule Of Equity Method Investments [Line Items]
Investment Carrying Amount	15,411	15,611
Maximum Exposure to Loss	16,235	15,611
Liability Recognized	6,444	7,715
Variable Interest Entity, Not Primary Beneficiary | Canapi Funds
Schedule Of Equity Method Investments [Line Items]
Investment Carrying Amount	33,086	35,300
Maximum Exposure to Loss	33,086	35,300
Liability Recognized	18,528	18,930
Variable Interest Entity, Not Primary Beneficiary | Non-marketable and other equity investments
Schedule Of Equity Method Investments [Line Items]
Investment Carrying Amount	9,775	8,840
Maximum Exposure to Loss	9,775	8,840
Liability Recognized	$ 3,445	$ 2,321

Securities - Summary of Varia_2

Securities - Summary of Variable Interest Entities Not Consolidated Narrative (Details) - Variable Interest Entity, Not Primary Beneficiary - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Solar tax credit investments
Schedule Of Equity Method Investments [Line Items]
Investment Carrying Amount	$ 7,196	$ 6,714
Investment tax credit recapture	32,800	42,200
Affordable housing
Schedule Of Equity Method Investments [Line Items]
Investment Carrying Amount	15,411	15,611
Investment tax credit recapture	$ 824
LIHTC investment		$ 8,800

Loans and Leases Held for Inv_3

Loans and Leases Held for Investment and Credit Quality - Summary of Total Loans and Leases Held for Investment and Aging Analysis of Portfolio Segments (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	$ 9,194,914	$ 8,655,865
Retained Loan Discount and Net Deferred Costs	(22,780)	(22,018)
Total	9,172,134	8,633,847
Receivables Not Under the Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	8,831,897	8,267,829
Receivables Not Under the Fair Value Option | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	5,812,319	5,540,595
Receivables Not Under the Fair Value Option | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	1,919,994	1,702,656
Receivables Not Under the Fair Value Option | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	1,095,520	1,018,983
Receivables Not Under the Fair Value Option | Paycheck Protection Program
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	4,064	5,595
Receivables Under The Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	363,017	388,036
Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	174,153	127,965
Current or Less than 30 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	8,657,744	8,139,864
30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	61,404	41,231
90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	112,749	86,734
Guaranteed Balance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 3,111,924	$ 3,033,694
Total Carried at Amortized Cost (in percent)	34.40%	35.90%
Loans Accounted for Under the Fair Value Option (in percent)	21.10%	17.10%
Total Loans and Leases (in percent)	33.80%	35%
Guaranteed Balance | Receivables Not Under the Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 3,035,280	$ 2,967,395
Guaranteed Balance | Receivables Under The Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 76,644	$ 66,299
Guaranteed Balance | Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due (in percent)	71.20%	70.60%
Guaranteed Balance | Total Past Due | Receivables Not Under the Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 124,078	$ 90,290
Guaranteed Balance | Current or Less than 30 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due (in percent)	33.60%	35.30%
Guaranteed Balance | Current or Less than 30 Days Past Due | Receivables Not Under the Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 2,911,202	$ 2,877,105
Guaranteed Balance | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due (in percent)	49.10%	70.80%
Guaranteed Balance | 30-89 Days Past Due | Receivables Not Under the Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 30,122	$ 29,183
Guaranteed Balance | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due (in percent)	83.30%	70.50%
Guaranteed Balance | 90 Days or More Past Due | Receivables Not Under the Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 93,956	$ 61,107
Commercial & Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	4,453,665	4,317,909
Commercial & Industrial | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	2,327,390	2,277,050
Commercial & Industrial | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	1,187,712	1,139,322
Commercial & Industrial | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	934,499	895,942
Commercial & Industrial | Paycheck Protection Program
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	4,064	5,595
Commercial & Industrial | Receivables Not Under the Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	4,263,935	4,112,008
Commercial & Industrial | Receivables Not Under the Fair Value Option | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	2,188,283	2,125,163
Commercial & Industrial | Receivables Not Under the Fair Value Option | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	1,182,614	1,131,493
Commercial & Industrial | Receivables Not Under the Fair Value Option | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	888,974	849,757
Commercial & Industrial | Receivables Not Under the Fair Value Option | Paycheck Protection Program
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	4,064	5,595
Commercial & Industrial | Receivables Under The Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	189,730	205,901
Commercial & Industrial | Receivables Under The Fair Value Option | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	139,107	151,887
Commercial & Industrial | Receivables Under The Fair Value Option | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	5,098	7,829
Commercial & Industrial | Receivables Under The Fair Value Option | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	45,525	46,185
Commercial & Industrial | Receivables Under The Fair Value Option | Paycheck Protection Program
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Commercial & Industrial | Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	105,887	56,786
Commercial & Industrial | Total Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	85,563	49,936
Commercial & Industrial | Total Past Due | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	9,031	0
Commercial & Industrial | Total Past Due | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	11,293	6,850
Commercial & Industrial | Total Past Due | Paycheck Protection Program
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Commercial & Industrial | Current or Less than 30 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	4,158,048	4,055,222
Commercial & Industrial | Current or Less than 30 Days Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	2,102,720	2,075,227
Commercial & Industrial | Current or Less than 30 Days Past Due | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	1,173,583	1,131,493
Commercial & Industrial | Current or Less than 30 Days Past Due | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	877,681	842,907
Commercial & Industrial | Current or Less than 30 Days Past Due | Paycheck Protection Program
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	4,064	5,595
Commercial & Industrial | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	29,067	19,376
Commercial & Industrial | 30-89 Days Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	19,773	16,570
Commercial & Industrial | 30-89 Days Past Due | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	9,031	0
Commercial & Industrial | 30-89 Days Past Due | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	263	2,806
Commercial & Industrial | 30-89 Days Past Due | Paycheck Protection Program
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Commercial & Industrial | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	76,820	37,410
Commercial & Industrial | 90 Days or More Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	65,790	33,366
Commercial & Industrial | 90 Days or More Past Due | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Commercial & Industrial | 90 Days or More Past Due | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	11,030	4,044
Commercial & Industrial | 90 Days or More Past Due | Paycheck Protection Program
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Construction & Development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	484,406	470,054
Construction & Development | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	433,110	415,094
Construction & Development | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	40,295	47,419
Construction & Development | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	11,001	7,541
Construction & Development | Receivables Not Under the Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	484,406	470,054
Construction & Development | Receivables Not Under the Fair Value Option | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	433,110	415,094
Construction & Development | Receivables Not Under the Fair Value Option | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	40,295	47,419
Construction & Development | Receivables Not Under the Fair Value Option | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	11,001	7,541
Construction & Development | Receivables Under The Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Construction & Development | Receivables Under The Fair Value Option | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Construction & Development | Receivables Under The Fair Value Option | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Construction & Development | Receivables Under The Fair Value Option | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Construction & Development | Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	8,647	1,745
Construction & Development | Total Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	8,647	1,745
Construction & Development | Total Past Due | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Construction & Development | Total Past Due | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Construction & Development | Current or Less than 30 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	475,759	468,309
Construction & Development | Current or Less than 30 Days Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	424,463	413,349
Construction & Development | Current or Less than 30 Days Past Due | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	40,295	47,419
Construction & Development | Current or Less than 30 Days Past Due | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	11,001	7,541
Construction & Development | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	6,179	1,745
Construction & Development | 30-89 Days Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	6,179	1,745
Construction & Development | 30-89 Days Past Due | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Construction & Development | 30-89 Days Past Due | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Construction & Development | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	2,468	0
Construction & Development | 90 Days or More Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	2,468	0
Construction & Development | 90 Days or More Past Due | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Construction & Development | 90 Days or More Past Due | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	3,643,749	3,296,114
Commercial Real Estate | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	2,730,439	2,592,934
Commercial Real Estate | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	697,085	523,744
Commercial Real Estate | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	216,225	179,436
Commercial Real Estate | Receivables Not Under the Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	3,505,878	3,151,005
Commercial Real Estate | Receivables Not Under the Fair Value Option | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	2,613,248	2,465,576
Commercial Real Estate | Receivables Not Under the Fair Value Option | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	697,085	523,744
Commercial Real Estate | Receivables Not Under the Fair Value Option | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	195,545	161,685
Commercial Real Estate | Receivables Under The Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	137,871	145,109
Commercial Real Estate | Receivables Under The Fair Value Option | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	117,191	127,358
Commercial Real Estate | Receivables Under The Fair Value Option | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	0
Commercial Real Estate | Receivables Under The Fair Value Option | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	20,680	17,751
Commercial Real Estate | Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	56,689	66,003
Commercial Real Estate | Total Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	44,109	50,899
Commercial Real Estate | Total Past Due | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	8,500	12,032
Commercial Real Estate | Total Past Due | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	4,080	3,072
Commercial Real Estate | Current or Less than 30 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	3,449,189	3,085,002
Commercial Real Estate | Current or Less than 30 Days Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	2,569,139	2,414,677
Commercial Real Estate | Current or Less than 30 Days Past Due | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	688,585	511,712
Commercial Real Estate | Current or Less than 30 Days Past Due | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	191,465	158,613
Commercial Real Estate | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	25,092	18,589
Commercial Real Estate | 30-89 Days Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	15,584	18,589
Commercial Real Estate | 30-89 Days Past Due | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	8,500	0
Commercial Real Estate | 30-89 Days Past Due | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	1,008	0
Commercial Real Estate | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	31,597	47,414
Commercial Real Estate | 90 Days or More Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	28,525	32,310
Commercial Real Estate | 90 Days or More Past Due | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	0	12,032
Commercial Real Estate | 90 Days or More Past Due | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	3,072	3,072
Commercial Land
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	613,094	571,788
Commercial Land | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	613,094	571,788
Commercial Land | Receivables Not Under the Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	577,678	534,762
Commercial Land | Receivables Not Under the Fair Value Option | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	577,678	534,762
Commercial Land | Receivables Under The Fair Value Option
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	35,416	37,026
Commercial Land | Receivables Under The Fair Value Option | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	35,416	37,026
Commercial Land | Total Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	2,930	3,431
Commercial Land | Total Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	2,930	3,431
Commercial Land | Current or Less than 30 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	574,748	531,331
Commercial Land | Current or Less than 30 Days Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	574,748	531,331
Commercial Land | 30-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	1,066	1,521
Commercial Land | 30-89 Days Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	1,066	1,521
Commercial Land | 90 Days or More Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	1,864	1,910
Commercial Land | 90 Days or More Past Due | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Loans and Leases	$ 1,864	$ 1,910

Loans and Leases Held for Inv_4

Loans and Leases Held for Investment and Credit Quality - Summary of Asset Quality Indicators by Portfolio Class and Origination Year (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Total loans held for investment
Total	$ 9,194,914		$ 9,194,914		$ 8,655,865
Year-To-Date Gross Charge-offs
Current fiscal year					0
Fiscal year before current fiscal year					5,621
Two years before current fiscal year					6,435
Three years before current fiscal year					1,058
Four years before current fiscal year					1,225
Prior					525
Revolving Loans Amortized Cost Basis					9,063
Revolving Loans Converted to Term					0
Charge offs	8,563	$ 2,476	12,195	$ 9,168	23,927
Small Business Banking
Year-To-Date Gross Charge-offs
Current fiscal year					0
Fiscal year before current fiscal year					5,621
Two years before current fiscal year					6,435
Three years before current fiscal year					1,058
Four years before current fiscal year					1,225
Prior					525
Revolving Loans Amortized Cost Basis					1,097
Revolving Loans Converted to Term					0
Charge offs					15,961
Specialty Lending
Year-To-Date Gross Charge-offs
Current fiscal year					0
Fiscal year before current fiscal year					0
Two years before current fiscal year					0
Three years before current fiscal year					0
Four years before current fiscal year					0
Prior					0
Revolving Loans Amortized Cost Basis					7,966
Revolving Loans Converted to Term					0
Charge offs					7,966
Receivables Not Under the Fair Value Option
Total loans held for investment
Current fiscal year	819,055		819,055		2,036,254
Fiscal year before current fiscal year	2,057,817		2,057,817		2,193,204
Two years before current fiscal year	2,113,315		2,113,315		1,853,492
Three years before current fiscal year	1,708,651		1,708,651		860,080
Four years before current fiscal year	779,275		779,275		500,089
Prior	826,064		826,064		417,584
Revolving Loans Amortized Cost Basis	379,493		379,493		326,786
Revolving Loans Converted to Term	148,227		148,227		80,340
Total	8,831,897		8,831,897		8,267,829
Year-To-Date Gross Charge-offs
Current fiscal year			0
Fiscal year before current fiscal year			1,110
Two years before current fiscal year			4,818
Three years before current fiscal year			3,464
Four years before current fiscal year			53
Prior			1,681
Revolving Loans Amortized Cost Basis			899
Revolving Loans Converted to Term			170
Charge offs			12,195
Receivables Not Under the Fair Value Option | Small Business Banking
Total loans held for investment
Current fiscal year	442,980		442,980		1,000,379
Fiscal year before current fiscal year	1,100,277		1,100,277		1,575,224
Two years before current fiscal year	1,533,678		1,533,678		1,345,415
Three years before current fiscal year	1,257,060		1,257,060		733,927
Four years before current fiscal year	657,072		657,072		423,901
Prior	716,619		716,619		375,537
Revolving Loans Amortized Cost Basis	92,143		92,143		73,758
Revolving Loans Converted to Term	12,490		12,490		12,454
Total	5,812,319		5,812,319		5,540,595
Year-To-Date Gross Charge-offs
Current fiscal year			0
Fiscal year before current fiscal year			1,110
Two years before current fiscal year			4,818
Three years before current fiscal year			3,464
Four years before current fiscal year			53
Prior			1,681
Revolving Loans Amortized Cost Basis			899
Revolving Loans Converted to Term			170
Charge offs			12,195
Receivables Not Under the Fair Value Option | Specialty Lending
Total loans held for investment
Current fiscal year	300,133		300,133		649,454
Fiscal year before current fiscal year	553,301		553,301		390,647
Two years before current fiscal year	347,158		347,158		273,655
Three years before current fiscal year	238,983		238,983		64,366
Four years before current fiscal year	61,980		61,980		18,326
Prior	10,410		10,410		112
Revolving Loans Amortized Cost Basis	272,292		272,292		238,210
Revolving Loans Converted to Term	135,737		135,737		67,886
Total	1,919,994		1,919,994		1,702,656
Receivables Not Under the Fair Value Option | Energy & Infrastructure
Total loans held for investment
Current fiscal year	75,942		75,942		386,421
Fiscal year before current fiscal year	404,239		404,239		227,333
Two years before current fiscal year	232,479		232,479		231,591
Three years before current fiscal year	210,348		210,348		59,023
Four years before current fiscal year	58,419		58,419		57,862
Prior	99,035		99,035		41,935
Revolving Loans Amortized Cost Basis	15,058		15,058		14,818
Revolving Loans Converted to Term	0		0		0
Total	1,095,520		1,095,520		1,018,983
Receivables Not Under the Fair Value Option | Paycheck Protection Program
Total loans held for investment
Current fiscal year	0		0		0
Fiscal year before current fiscal year	0		0		0
Two years before current fiscal year	0		0		2,831
Three years before current fiscal year	2,260		2,260		2,764
Four years before current fiscal year	1,804		1,804		0
Prior	0		0		0
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	4,064		4,064		5,595
Risk Grades 1 - 4 | Receivables Not Under the Fair Value Option | Small Business Banking
Total loans held for investment
Current fiscal year	436,371		436,371		990,349
Fiscal year before current fiscal year	1,062,992		1,062,992		1,470,824
Two years before current fiscal year	1,408,497		1,408,497		1,255,664
Three years before current fiscal year	1,143,701		1,143,701		660,926
Four years before current fiscal year	593,527		593,527		363,377
Prior	570,458		570,458		296,132
Revolving Loans Amortized Cost Basis	78,309		78,309		63,963
Revolving Loans Converted to Term	11,321		11,321		11,047
Total	5,305,176		5,305,176		5,112,282
Risk Grades 1 - 4 | Receivables Not Under the Fair Value Option | Specialty Lending
Total loans held for investment
Current fiscal year	300,133		300,133		640,596
Fiscal year before current fiscal year	540,753		540,753		337,880
Two years before current fiscal year	274,606		274,606		226,170
Three years before current fiscal year	191,067		191,067		21,286
Four years before current fiscal year	25,755		25,755		9,103
Prior	2,524		2,524		112
Revolving Loans Amortized Cost Basis	235,376		235,376		210,460
Revolving Loans Converted to Term	123,107		123,107		58,441
Total	1,693,321		1,693,321		1,504,048
Risk Grades 1 - 4 | Receivables Not Under the Fair Value Option | Energy & Infrastructure
Total loans held for investment
Current fiscal year	75,942		75,942		386,421
Fiscal year before current fiscal year	404,239		404,239		223,309
Two years before current fiscal year	210,587		210,587		120,917
Three years before current fiscal year	94,360		94,360		41,919
Four years before current fiscal year	42,211		42,211		50,035
Prior	73,019		73,019		23,308
Revolving Loans Amortized Cost Basis	15,058		15,058		14,818
Revolving Loans Converted to Term	0		0		0
Total	915,416		915,416		860,727
Risk Grades 1 - 4 | Receivables Not Under the Fair Value Option | Paycheck Protection Program
Total loans held for investment
Current fiscal year	0		0		0
Fiscal year before current fiscal year	0		0		0
Two years before current fiscal year	0		0		2,831
Three years before current fiscal year	2,260		2,260		2,764
Four years before current fiscal year	1,804		1,804		0
Prior	0		0		0
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	4,064		4,064		5,595
Risk Grade 5 | Receivables Not Under the Fair Value Option | Small Business Banking
Total loans held for investment
Current fiscal year	6,609		6,609		7,744
Fiscal year before current fiscal year	25,034		25,034		72,913
Two years before current fiscal year	71,269		71,269		60,115
Three years before current fiscal year	70,034		70,034		37,390
Four years before current fiscal year	32,410		32,410		42,095
Prior	102,040		102,040		50,705
Revolving Loans Amortized Cost Basis	9,889		9,889		7,174
Revolving Loans Converted to Term	999		999		1,407
Total	318,284		318,284		279,543
Risk Grade 5 | Receivables Not Under the Fair Value Option | Specialty Lending
Total loans held for investment
Current fiscal year	0		0		8,858
Fiscal year before current fiscal year	11,402		11,402		52,767
Two years before current fiscal year	72,552		72,552		35,453
Three years before current fiscal year	35,664		35,664		43,080
Four years before current fiscal year	36,225		36,225		9,223
Prior	7,886		7,886		0
Revolving Loans Amortized Cost Basis	33,564		33,564		20,547
Revolving Loans Converted to Term	5,854		5,854		5,417
Total	203,147		203,147		175,345
Risk Grade 5 | Receivables Not Under the Fair Value Option | Energy & Infrastructure
Total loans held for investment
Current fiscal year	0		0		0
Fiscal year before current fiscal year	0		0		0
Two years before current fiscal year	17,868		17,868		104,371
Three years before current fiscal year	108,517		108,517		13,485
Four years before current fiscal year	0		0		7,827
Prior	26,016		26,016		18,627
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	152,401		152,401		144,310
Risk Grades 6 - 8 | Receivables Not Under the Fair Value Option | Small Business Banking
Total loans held for investment
Current fiscal year	0		0		2,286
Fiscal year before current fiscal year	12,251		12,251		31,487
Two years before current fiscal year	53,912		53,912		29,636
Three years before current fiscal year	43,325		43,325		35,611
Four years before current fiscal year	31,135		31,135		18,429
Prior	44,121		44,121		28,700
Revolving Loans Amortized Cost Basis	3,945		3,945		2,621
Revolving Loans Converted to Term	170		170		0
Total	188,859		188,859		148,770
Risk Grades 6 - 8 | Receivables Not Under the Fair Value Option | Specialty Lending
Total loans held for investment
Current fiscal year	0		0		0
Fiscal year before current fiscal year	1,146		1,146		0
Two years before current fiscal year	0		0		12,032
Three years before current fiscal year	12,252		12,252		0
Four years before current fiscal year	0		0		0
Prior	0		0		0
Revolving Loans Amortized Cost Basis	3,352		3,352		7,203
Revolving Loans Converted to Term	6,776		6,776		4,028
Total	23,526		23,526		23,263
Risk Grades 6 - 8 | Receivables Not Under the Fair Value Option | Energy & Infrastructure
Total loans held for investment
Current fiscal year	0		0		0
Fiscal year before current fiscal year	0		0		4,024
Two years before current fiscal year	4,024		4,024		6,303
Three years before current fiscal year	7,471		7,471		3,619
Four years before current fiscal year	16,208		16,208		0
Prior	0		0		0
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loans Converted to Term	0		0		0
Total	$ 27,703		$ 27,703		$ 13,946

Loans and Leases Held for Inv_5

Loans and Leases Held for Investment and Credit Quality - Summary of Asset Quality Indicators by Portfolio Class and Origination Year Narrative (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Financing Receivable Recorded Investment [Line Items]
Total Loans and Leases	$ 9,194,914	$ 8,655,865
Receivables Under The Fair Value Option
Financing Receivable Recorded Investment [Line Items]
Total Loans and Leases	$ 363,017	$ 388,036

Loans and Leases Held for Inv_6

Loans and Leases Held for Investment and Credit Quality - Summary of Guaranteed and Unguaranteed Loan and Lease Balance by Asset Quality Indicator (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2024	Dec. 31, 2023
Financing Receivable Recorded Investment [Line Items]
Total carried at amortized cost	$ 8,831,897	$ 8,267,829
Guaranteed Balance
Financing Receivable Recorded Investment [Line Items]
Total carried at amortized cost	3,035,280	2,967,395
Unguaranteed Balance
Financing Receivable Recorded Investment [Line Items]
Total carried at amortized cost	$ 5,796,617	$ 5,300,434
% Guaranteed
Financing Receivable Recorded Investment [Line Items]
% Guaranteed	34.40%	35.90%
Risk Grades 1 - 4
Financing Receivable Recorded Investment [Line Items]
Total carried at amortized cost	$ 7,917,977	$ 7,482,652
Risk Grades 1 - 4 | Guaranteed Balance
Financing Receivable Recorded Investment [Line Items]
Total carried at amortized cost	2,624,641	2,622,558
Risk Grades 1 - 4 | Unguaranteed Balance
Financing Receivable Recorded Investment [Line Items]
Total carried at amortized cost	$ 5,293,336	$ 4,860,094
Risk Grades 1 - 4 | % Guaranteed
Financing Receivable Recorded Investment [Line Items]
% Guaranteed	33.10%	35%
Risk Grade 5
Financing Receivable Recorded Investment [Line Items]
Total carried at amortized cost	$ 673,832	$ 599,198
Risk Grade 5 | Guaranteed Balance
Financing Receivable Recorded Investment [Line Items]
Total carried at amortized cost	249,640	234,845
Risk Grade 5 | Unguaranteed Balance
Financing Receivable Recorded Investment [Line Items]
Total carried at amortized cost	$ 424,192	$ 364,353
Risk Grade 5 | % Guaranteed
Financing Receivable Recorded Investment [Line Items]
% Guaranteed	37%	39.20%
Risk Grades 6 - 8
Financing Receivable Recorded Investment [Line Items]
Total carried at amortized cost	$ 240,088	$ 185,979
Risk Grades 6 - 8 | Guaranteed Balance
Financing Receivable Recorded Investment [Line Items]
Total carried at amortized cost	160,999	109,992
Risk Grades 6 - 8 | Unguaranteed Balance
Financing Receivable Recorded Investment [Line Items]
Total carried at amortized cost	$ 79,089	$ 75,987
Risk Grades 6 - 8 | % Guaranteed
Financing Receivable Recorded Investment [Line Items]
% Guaranteed	67.10%	59.10%

Loans and Leases Held for Inv_7

Loans and Leases Held for Investment and Credit Quality - Additional Information (Details) - USD ($)	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2024	Dec. 31, 2023
Allowance for Loan Losses:
Loans greater than 90 days past due and still accruing		$ 0	$ 0
Accrued interest receivable on loans		$ 70,200,000	$ 63,500,000
Change in Accounting Method Accounted for as Change in Estimate
Allowance for Loan Losses:
Increases (decrease) in allowance for credit loss ("ACL")	$ 1,500,000

Loans and Leases Held for Inv_8

Loans and Leases Held for Investment and Credit Quality - Nonaccrual Loans and Leases Held for Investment (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	$ 160,092	$ 134,963
Guaranteed Balance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	122,752	95,678
Unguaranteed Balance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	37,340	39,285
Unguaranteed Exposure with No ACL
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unguaranteed Exposure with No ACL	20,003	23,378
Commercial & Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	82,764	54,408
Commercial & Industrial | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	71,734	47,558
Commercial & Industrial | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	11,030	6,850
Commercial & Industrial | Guaranteed Balance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	69,875	41,812
Commercial & Industrial | Guaranteed Balance | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	62,734	39,018
Commercial & Industrial | Guaranteed Balance | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	7,141	2,794
Commercial & Industrial | Unguaranteed Balance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	12,889	12,596
Commercial & Industrial | Unguaranteed Balance | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	9,000	8,540
Commercial & Industrial | Unguaranteed Balance | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	3,889	4,056
Commercial & Industrial | Unguaranteed Exposure with No ACL
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unguaranteed Exposure with No ACL	2,581	2,953
Commercial & Industrial | Unguaranteed Exposure with No ACL | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unguaranteed Exposure with No ACL	403	407
Commercial & Industrial | Unguaranteed Exposure with No ACL | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unguaranteed Exposure with No ACL	2,178	2,546
Construction & Development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	2,467	1,745
Construction & Development | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	2,467	1,745
Construction & Development | Guaranteed Balance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	2,263	1,309
Construction & Development | Guaranteed Balance | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	2,263	1,309
Construction & Development | Unguaranteed Balance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	204	436
Construction & Development | Unguaranteed Balance | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	204	436
Construction & Development | Unguaranteed Exposure with No ACL
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unguaranteed Exposure with No ACL	0	0
Construction & Development | Unguaranteed Exposure with No ACL | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unguaranteed Exposure with No ACL	0	0
Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	68,745	72,244
Commercial Real Estate | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	45,868	57,140
Commercial Real Estate | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	11,499	12,032
Commercial Real Estate | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	11,378	3,072
Commercial Real Estate | Guaranteed Balance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	45,070	47,225
Commercial Real Estate | Guaranteed Balance | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	34,795	44,426
Commercial Real Estate | Guaranteed Balance | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	0	0
Commercial Real Estate | Guaranteed Balance | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	10,275	2,799
Commercial Real Estate | Unguaranteed Balance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	23,675	25,019
Commercial Real Estate | Unguaranteed Balance | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	11,073	12,714
Commercial Real Estate | Unguaranteed Balance | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	11,499	12,032
Commercial Real Estate | Unguaranteed Balance | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	1,103	273
Commercial Real Estate | Unguaranteed Exposure with No ACL
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unguaranteed Exposure with No ACL	17,239	20,231
Commercial Real Estate | Unguaranteed Exposure with No ACL | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unguaranteed Exposure with No ACL	4,909	8,199
Commercial Real Estate | Unguaranteed Exposure with No ACL | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unguaranteed Exposure with No ACL	11,499	12,032
Commercial Real Estate | Unguaranteed Exposure with No ACL | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unguaranteed Exposure with No ACL	831	0
Commercial Land
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	6,116	6,566
Commercial Land | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	6,116	6,566
Commercial Land | Guaranteed Balance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	5,544	5,332
Commercial Land | Guaranteed Balance | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	5,544	5,332
Commercial Land | Unguaranteed Balance
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	572	1,234
Commercial Land | Unguaranteed Balance | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loan and lease balance	572	1,234
Commercial Land | Unguaranteed Exposure with No ACL
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unguaranteed Exposure with No ACL	183	194
Commercial Land | Unguaranteed Exposure with No ACL | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unguaranteed Exposure with No ACL	$ 183	$ 194

Loans and Leases Held for Inv_9

Loans and Leases Held for Investment and Credit Quality - Accrued Interest Reversed (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accrued interest reversed	$ 635	$ 1,118	$ 1,394	$ 2,624
Commercial & Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accrued interest reversed	364	833	974	1,697
Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accrued interest reversed	219	285	338	871
Commercial Land
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accrued interest reversed	52	0	52	0
Construction & Development
Financing Receivable, Recorded Investment, Past Due [Line Items]
Accrued interest reversed	$ 0	$ 0	$ 30	$ 56

Loans and Leases Held for In_10

Loans and Leases Held for Investment and Credit Quality - Amortized Cost Basis of Collateral-Dependent Loans and Leases (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	$ 8,831,897	$ 8,267,829
Collateral Dependent Loans, Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	28,974	25,683
Collateral Dependent Loans, Business Assets
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	16,863	10,159
Collateral Dependent Loans, Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Unguaranteed Portion, Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	7,191	6,919
Unguaranteed Portion, Business Assets
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	4,961	5,485
Unguaranteed Portion, Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Unguaranteed Portion
Financing Receivable, Recorded Investment, Past Due [Line Items]
Allowance for Credit Losses	3,376	277
Commercial & Industrial | Collateral Dependent Loans, Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	2,722	2,737
Commercial & Industrial | Collateral Dependent Loans, Real Estate | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	2,722	2,737
Commercial & Industrial | Collateral Dependent Loans, Real Estate | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable		0
Commercial & Industrial | Collateral Dependent Loans, Real Estate | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial & Industrial | Collateral Dependent Loans, Business Assets
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	16,863	10,159
Commercial & Industrial | Collateral Dependent Loans, Business Assets | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	13,841	2,426
Commercial & Industrial | Collateral Dependent Loans, Business Assets | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable		4,711
Commercial & Industrial | Collateral Dependent Loans, Business Assets | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	3,022	3,022
Commercial & Industrial | Collateral Dependent Loans, Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial & Industrial | Collateral Dependent Loans, Other | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial & Industrial | Collateral Dependent Loans, Other | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable		0
Commercial & Industrial | Collateral Dependent Loans, Other | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial & Industrial | Unguaranteed Portion, Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	418	421
Commercial & Industrial | Unguaranteed Portion, Real Estate | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	418	421
Commercial & Industrial | Unguaranteed Portion, Real Estate | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable		0
Commercial & Industrial | Unguaranteed Portion, Real Estate | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial & Industrial | Unguaranteed Portion, Business Assets
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	4,961	5,485
Commercial & Industrial | Unguaranteed Portion, Business Assets | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	4,734	547
Commercial & Industrial | Unguaranteed Portion, Business Assets | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable		4,711
Commercial & Industrial | Unguaranteed Portion, Business Assets | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	227	227
Commercial & Industrial | Unguaranteed Portion, Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial & Industrial | Unguaranteed Portion, Other | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial & Industrial | Unguaranteed Portion, Other | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable		0
Commercial & Industrial | Unguaranteed Portion, Other | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial & Industrial | Unguaranteed Portion
Financing Receivable, Recorded Investment, Past Due [Line Items]
Allowance for Credit Losses	3,234	277
Commercial & Industrial | Unguaranteed Portion | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Allowance for Credit Losses	3,172	277
Commercial & Industrial | Unguaranteed Portion | Specialty Lending
Financing Receivable, Recorded Investment, Past Due [Line Items]
Allowance for Credit Losses		0
Commercial & Industrial | Unguaranteed Portion | Energy & Infrastructure
Financing Receivable, Recorded Investment, Past Due [Line Items]
Allowance for Credit Losses	62	0
Commercial Real Estate | Collateral Dependent Loans, Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	22,510	21,211
Commercial Real Estate | Collateral Dependent Loans, Real Estate | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	22,510	21,211
Commercial Real Estate | Collateral Dependent Loans, Business Assets
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Real Estate | Collateral Dependent Loans, Business Assets | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Real Estate | Collateral Dependent Loans, Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Real Estate | Collateral Dependent Loans, Other | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Real Estate | Unguaranteed Portion, Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	4,533	6,298
Commercial Real Estate | Unguaranteed Portion, Real Estate | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	4,533	6,298
Commercial Real Estate | Unguaranteed Portion, Business Assets
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Real Estate | Unguaranteed Portion, Business Assets | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Real Estate | Unguaranteed Portion, Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Real Estate | Unguaranteed Portion, Other | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Real Estate | Unguaranteed Portion
Financing Receivable, Recorded Investment, Past Due [Line Items]
Allowance for Credit Losses	142	0
Commercial Real Estate | Unguaranteed Portion | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Allowance for Credit Losses	142	0
Commercial Land | Collateral Dependent Loans, Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	3,742	1,735
Commercial Land | Collateral Dependent Loans, Real Estate | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	3,742	1,735
Commercial Land | Collateral Dependent Loans, Business Assets
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Land | Collateral Dependent Loans, Business Assets | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Land | Collateral Dependent Loans, Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Land | Collateral Dependent Loans, Other | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Land | Unguaranteed Portion, Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	2,240	200
Commercial Land | Unguaranteed Portion, Real Estate | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	2,240	200
Commercial Land | Unguaranteed Portion, Business Assets
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Land | Unguaranteed Portion, Business Assets | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Land | Unguaranteed Portion, Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Land | Unguaranteed Portion, Other | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total loans and leases receivable	0	0
Commercial Land | Unguaranteed Portion
Financing Receivable, Recorded Investment, Past Due [Line Items]
Allowance for Credit Losses	0	0
Commercial Land | Unguaranteed Portion | Small Business Banking
Financing Receivable, Recorded Investment, Past Due [Line Items]
Allowance for Credit Losses	$ 0	$ 0

Loans and Leases Held for In_11

Loans and Leases Held for Investment and Credit Quality - Activity in the Allowance for Credit Losses ("ACL") by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	$ 139,041	$ 108,242	$ 125,840	$ 96,566	$ 96,566
Charge offs	(8,563)	(2,476)	(12,195)	(9,168)	(23,927)
Recoveries	310	1,322	779	1,345
Provision (Recovery)	7,079	13,028	23,443	32,049
Ending Balance	137,867	120,116	137,867	120,116	125,840
Adoption of ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				(676)	(676)
Commercial & Industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	98,552	72,058	87,581	64,995	64,995
Charge offs	(8,415)	(2,198)	(11,744)	(8,476)
Recoveries	57	558	512	581
Provision (Recovery)	17,972	8,989	31,817	22,332
Ending Balance	108,166	79,407	108,166	79,407	87,581
Commercial & Industrial | Adoption of ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				(25)	(25)
Construction & Development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	4,292	6,954	4,717	5,101	5,101
Charge offs	(35)	0	(338)	0
Recoveries	0	0	0	0
Provision (Recovery)	(563)	(526)	(685)	1,493
Ending Balance	3,694	6,428	3,694	6,428	4,717
Construction & Development | Adoption of ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				(166)	(166)
Commercial Real Estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	31,369	25,062	28,864	22,901	22,901
Charge offs	(105)	(278)	(105)	(692)
Recoveries	253	764	267	764
Provision (Recovery)	(7,977)	4,360	(5,486)	7,018
Ending Balance	23,540	29,908	23,540	29,908	28,864
Commercial Real Estate | Adoption of ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				(83)	(83)
Commercial Land
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance	4,828	4,168	4,678	3,569	3,569
Charge offs	(8)	0	(8)	0
Recoveries	0	0	0	0
Provision (Recovery)	(2,353)	205	(2,203)	1,206
Ending Balance	$ 2,467	$ 4,373	$ 2,467	4,373	4,678
Commercial Land | Adoption of ASU 2022-02
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				$ (402)	$ (402)

Loans and Leases Held for In_12

Loans and Leases Held for Investment and Credit Quality - Loan Modifications for Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable Modifications [Line Items]
% of Total Class of Financing Receivable	0.23%	0.27%	0.23%	2.48%
Small Business Banking
Financing Receivable Modifications [Line Items]
% of Total Class of Financing Receivable	0.11%	0.01%	0.11%	0.08%
Specialty Lending
Financing Receivable Modifications [Line Items]
% of Total Class of Financing Receivable	0.12%	0.26%	0.12%	0.26%
Energy & Infrastructure
Financing Receivable Modifications [Line Items]
% of Total Class of Financing Receivable				2.14%
Other-Than-Insignificant Payment Delay
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period	$ 8,792	$ 0	$ 8,792	$ 0
Other-Than-Insignificant Payment Delay | Small Business Banking
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period	6,459	0	6,459	0
Other-Than-Insignificant Payment Delay | Specialty Lending
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period	2,333	0	2,333	0
Other-Than-Insignificant Payment Delay | Energy & Infrastructure
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period				0
Term Extension
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period	0	4,427	0	13,761
Term Extension | Small Business Banking
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period	0	0	0	0
Term Extension | Specialty Lending
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period	0	4,427	0	244
Term Extension | Energy & Infrastructure
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period				13,517
Interest Rate Reduction
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period	0	0	0	3,436
Interest Rate Reduction | Small Business Banking
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period	0	0	0	3,436
Interest Rate Reduction | Specialty Lending
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period	0	0	0	0
Interest Rate Reduction | Energy & Infrastructure
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period				0
Combination - Term Extension & Payment Delay
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period	0	361	0	4,544
Combination - Term Extension & Payment Delay | Small Business Banking
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period	0	361	0	361
Combination - Term Extension & Payment Delay | Specialty Lending
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period	$ 0	$ 0	$ 0	4,183
Combination - Term Extension & Payment Delay | Energy & Infrastructure
Financing Receivable Modifications [Line Items]
Amortized cost basis of loans modified during period				$ 0

Loans and Leases Held for In_13

Loans and Leases Held for Investment and Credit Quality - Adoption of ASU 2022-02 (Details) $ in Thousands	Jun. 30, 2024 USD ($)
Financing Receivable Modifications [Line Items]
Total	$ 0
Current
Financing Receivable Modifications [Line Items]
Total	23,851
30-89 Days Past Due
Financing Receivable Modifications [Line Items]
Total	0
90 Days or More Past Due
Financing Receivable Modifications [Line Items]
Total	0
Small Business Banking
Financing Receivable Modifications [Line Items]
Total	0
Small Business Banking | Current
Financing Receivable Modifications [Line Items]
Total	21,518
Small Business Banking | 30-89 Days Past Due
Financing Receivable Modifications [Line Items]
Total	0
Small Business Banking | 90 Days or More Past Due
Financing Receivable Modifications [Line Items]
Total	0
Specialty Lending
Financing Receivable Modifications [Line Items]
Total	0
Specialty Lending | Current
Financing Receivable Modifications [Line Items]
Total	2,333
Specialty Lending | 30-89 Days Past Due
Financing Receivable Modifications [Line Items]
Total	0
Specialty Lending | 90 Days or More Past Due
Financing Receivable Modifications [Line Items]
Total	$ 0

Loans and Leases Held for In_14

Loans and Leases Held for Investment and Credit Quality - Financial Effect of Loan Modifications (Details)	3 Months Ended	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2023
Small Business Banking
Financing Receivable Modifications [Line Items]
Weighted Average Interest Rate Reduction	0%	1.45%
Weighted Average Term Extension (in Months)	161 months	161 months
Specialty Lending
Financing Receivable Modifications [Line Items]
Weighted Average Interest Rate Reduction	0%	0%
Weighted Average Term Extension (in Months)	72 months	72 months
Energy & Infrastructure
Financing Receivable Modifications [Line Items]
Weighted Average Interest Rate Reduction		0%
Weighted Average Term Extension (in Months)		12 months

Leases - Additional Information

Leases - Additional Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) term	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Lessor Lease Description [Line Items]
Direct financing lease, interest income	$ 48	$ 66	$ 66	$ 139
Number of additional terms | term			2
Net investment in assets included in premises and equipment that are subject to operating leases	98,300		$ 98,300		$ 104,000
Premises and equipment, gross	160,700		160,700		162,300
Premises and equipment, accumulated depreciation	62,400		62,400		$ 58,300
Premises and equipment, depreciation expense	2,400	2,400	4,700	4,800
Lease income	$ 2,300	$ 2,400	$ 4,700	$ 4,800
Minimum
Lessor Lease Description [Line Items]
Financing lease, term of contract (in years)	3 years		3 years
Operating lease, term of contract (in years)	10 years		10 years
Useful life (in years)	20 years		20 years
Residual value (in percent)	20%		20%
Maximum
Lessor Lease Description [Line Items]
Financing lease, term of contract (in years)	7 years		7 years
Operating lease, term of contract (in years)	15 years		15 years
Useful life (in years)	25 years		25 years
Residual value (in percent)	50%		50%

Leases - Direct Financing Lease

Leases - Direct Financing Leases (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Leases [Abstract]
Gross direct finance lease payments receivable	$ 1,684	$ 2,335
Less – unearned interest	(145)	(218)
Net investment in direct financing leases	$ 1,539	$ 2,117

Leases - Finance Lease Maturity

Leases - Finance Lease Maturity (Details) $ in Thousands	Jun. 30, 2024 USD ($)
Leases [Abstract]
2024	$ 599
2025	968
2026	117
Total	$ 1,684

Leases - Maturity Analysis of F

Leases - Maturity Analysis of Future Minimum Operating Lease Payments to be Received (Details) $ in Thousands	Jun. 30, 2024 USD ($)
Leases [Abstract]
2024	$ 4,981
2025	8,741
2026	8,721
2027	8,483
2028	3,837
Thereafter	9,708
Total	$ 44,471

Servicing Assets - Narrative (D

Servicing Assets - Narrative (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Servicing Assets at Fair Value [Line Items]
Unpaid principal balance of loans serviced for others requiring recognition of a servicing asset	$ 3,260,000		$ 3,090,000
Unpaid principal balances of loan serviced for others	4,290,000		$ 4,240,000
Commercial Loan
Servicing Assets at Fair Value [Line Items]
Servicing asset at amortized cost	$ 225
Weighted Average
Servicing Assets at Fair Value [Line Items]
Discount rate (in percent)	14.50%	17.30%
Prepayment rate (in percent)	15.70%	15.80%

Servicing Assets - Summary of A

Servicing Assets - Summary of Activity Pertaining to Servicing Rights (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Servicing Asset at Fair Value, Amount [Roll Forward]
Balance at beginning of period	$ 48,962	$ 29,357	$ 48,186	$ 26,323
Additions, net	5,218	4,516	8,739	7,194
Fair value changes:
Due to changes in valuation inputs or assumptions	701	(501)	922	2,123
Decay due to increases in principal paydowns or runoff	(3,578)	(2,330)	(6,544)	(4,598)
Balance at end of period	$ 51,303	$ 31,042	$ 51,303	$ 31,042

Borrowings - Total Outstanding

Borrowings - Total Outstanding Borrowings (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Borrowings	$ 117,745	$ 23,354
Third Party Correspondent Bank | 2021 Term Loan
Debt Instrument [Line Items]
Borrowings	18,310	23,354
Third Party Correspondent Bank | 2024 Term Loan
Debt Instrument [Line Items]
Borrowings	$ 99,435	$ 0

Borrowings - Total Outstandin_2

Borrowings - Total Outstanding Borrowings Line Descriptions (Details) - Third Party Correspondent Bank - USD ($) $ in Thousands	1 Months Ended
	Mar. 31, 2024	Mar. 31, 2021
2021 Term Loan
Debt Instrument [Line Items]
Debt instrument term (in months)		60 months
Debt instrument face amount		$ 50,000
Debt instrument fixed interest rate (in percent)		2.95%
Debt instrument, maturity date		Mar. 30, 2026
Non-refundable loan origination fee		$ 325
2024 Term Loan
Debt Instrument [Line Items]
Debt instrument term (in months)	60 months
Debt instrument face amount	$ 100,000
Debt instrument fixed interest rate (in percent)	5.95%
Debt instrument, maturity date	Mar. 28, 2029
Non-refundable loan origination fee	$ 600
Principal to be paid in year 4	33,000
Principal to be paid in year 5	$ 67,000

Borrowings - Narrative (Details

Borrowings - Narrative (Details) - USD ($) $ in Millions	Jun. 30, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Unused borrowing capacity		$ 3,680
Third Party Correspondent Bank
Debt Instrument [Line Items]
Line of credit, maximum borrowing capacity	$ 6,290	$ 6,280
Securities and Loans Identified As Available For Collateral
Debt Instrument [Line Items]
Unused borrowing capacity	$ 3,620

Fair Value of Financial Instr_3

Fair Value of Financial Instruments - Rollforward of Level 3 Equity Warrant Asset Fair Values (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]
Balance at beginning of period	$ 8,700	$ 2,187	$ 2,874	$ 2,210
New equity warrant assets	123	91	493	244
Changes in fair value, net	585	194	6,246	18
Settlements	(2,001)	(221)	(2,206)	(221)
Balance at end of period	$ 7,407	$ 2,251	$ 7,407	$ 2,251

Fair Value of Financial Instr_4

Fair Value of Financial Instruments - Recorded Amount of Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 1,151,195		$ 1,126,160
Servicing asset, fair value	51,303	$ 48,962	48,186	$ 31,042	$ 29,357	$ 26,323
U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	11,772		17,529
Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	1,136,430		1,105,592
Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	2,993		3,039
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans and leases held for investment, net of allowance for credit losses on loans and leases	363,017		388,036
Servicing asset, fair value	51,303		48,186
Equity warrant assets	7,407		2,874
Total assets at fair value	1,573,933		1,566,901
Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans and leases held for investment, net of allowance for credit losses on loans and leases	0		0
Servicing asset, fair value	0		0
Equity warrant assets	0		0
Total assets at fair value	0		0
Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans and leases held for investment, net of allowance for credit losses on loans and leases	0		0
Servicing asset, fair value	0		0
Equity warrant assets	0		0
Total assets at fair value	1,152,121		1,127,720
Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans and leases held for investment, net of allowance for credit losses on loans and leases	363,017		388,036
Servicing asset, fair value	51,303		48,186
Equity warrant assets	7,407		2,874
Total assets at fair value	421,812		439,181
Recurring | U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	11,772		17,529
Recurring | U.S. government agencies | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0		0
Recurring | U.S. government agencies | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	11,772		17,529
Recurring | U.S. government agencies | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0		0
Recurring | Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	1,136,430		1,105,592
Recurring | Mortgage-backed securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0		0
Recurring | Mortgage-backed securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	1,136,430		1,105,592
Recurring | Mortgage-backed securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0		0
Recurring | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	2,993		3,039
Recurring | Municipal bonds | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0		0
Recurring | Municipal bonds | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	2,908		2,954
Recurring | Municipal bonds | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	85		85
Recurring | Mutual fund
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mutual fund	1,011		1,645
Recurring | Mutual fund | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mutual fund	0		0
Recurring | Mutual fund | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mutual fund	1,011		1,645
Recurring | Mutual fund | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mutual fund	$ 0		$ 0

Fair Value of Financial Instr_5

Fair Value of Financial Instruments - Recorded Amount of Assets and Liabilities Measured at Fair Value on a Recurring Basis Footnotes (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2023
Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value adjustment gain	$ 1	$ 9

Fair Value of Financial Instr_6

Fair Value of Financial Instruments - Additional Information (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Fair value option that were 90 days or more past due and still accruing	$ 0		$ 0		$ 0
Unpaid principal balance of unguaranteed exposure for nonaccruals	11,300,000		11,300,000		$ 9,100,000
Gains (losses) related to borrower-specific credit risk	$ 0	$ (291,000)	$ 0	$ (3,500,000)

Fair Value of Financial Instr_7

Fair Value of Financial Instruments - Summary of Fair Value Carrying Amount and Unpaid Principal Outstanding of Loans Under Fair Value Option (Details) - Loans held for investment - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Fair Value Option Quantitative Disclosures [Line Items]
Total Loans, Fair Value Carrying Amount	$ 363,017	$ 388,036
Total Loans, Unpaid Principal Balance	381,283	407,544
Total Loans, Difference	(18,266)	(19,508)
Nonaccruals, Fair Value Carrying Amount	61,160	48,474
Nonaccruals, Unpaid Principal Balance	63,489	50,749
Nonaccruals, Difference	(2,329)	(2,275)
90 Days or More Past Due, Fair Value Carrying Amount	50,735	36,490
90 Days or More Past Due, Unpaid Principal Balance	52,788	37,939
90 Days or More Past Due, Difference	$ (2,053)	$ (1,449)

Fair Value of Financial Instr_8

Fair Value of Financial Instruments - Schedule of Net Gains (Losses) from Changes in Fair Value (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Fair Value Option Quantitative Disclosures [Line Items]
Gains (Losses) on Loans Accounted for under the Fair Value Option	$ 172	$ 1,728	$ (47)	$ (2,801)
Loans held for investment
Fair Value Option Quantitative Disclosures [Line Items]
Gains (Losses) on Loans Accounted for under the Fair Value Option	$ 172	$ 1,728	$ (47)	$ (2,801)

Fair Value of Financial Instr_9

Fair Value of Financial Instruments - Summary of the Activity Pertaining to Loans Accounted for Under Fair Value Option (Details) - Loans held for investment - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of period	$ 379,222	$ 466,950	$ 388,036	$ 494,458
Repurchases	4,247	4,063	12,812	15,897
Fair value changes	172	1,728	(47)	(2,801)
Settlements	(20,624)	(30,960)	(37,784)	(65,773)
Balance at end of period	$ 363,017	$ 441,781	$ 363,017	$ 441,781

Fair Value of Financial Inst_10

Fair Value of Financial Instruments - Recorded Amount of Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Foreclosed assets	$ 8,015	$ 6,481
Non-recurring fair value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	2,476	4,503
Foreclosed assets	5,936	6,481
Total assets at fair value	8,412	10,984
Non-recurring fair value | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	0	0
Foreclosed assets	0	0
Total assets at fair value	0	0
Non-recurring fair value | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	0	0
Foreclosed assets	0	0
Total assets at fair value	0	0
Non-recurring fair value | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral-dependent loans	2,476	4,503
Foreclosed assets	5,936	6,481
Total assets at fair value	$ 8,412	$ 10,984

Fair Value of Financial Inst_11

Fair Value of Financial Instruments - Analysis of Level 3 Valuation Techniques (Details) $ in Thousands	Jun. 30, 2024 USD ($)	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Jun. 30, 2023 USD ($)	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Servicing asset, fair value	$ 51,303	$ 48,962	$ 48,186	$ 31,042	$ 29,357	$ 26,323
Loans held for investment
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Loans held for investment, fair value	363,017		388,036
Recurring fair value
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Asset, fair value	1,573,933		1,566,901
Servicing asset, fair value	51,303		48,186
Recurring fair value | Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Asset, fair value	421,812		439,181
Servicing asset, fair value	51,303		48,186
Recurring fair value | Level 3 | Loans held for investment
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Asset, fair value			388,036
Loans held for investment, fair value	363,017
Recurring fair value | Level 3 | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Asset, fair value	7,407		2,874
Non-recurring fair value
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Asset, fair value	8,412		10,984
Non-recurring fair value | Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Asset, fair value	8,412		10,984
Non-recurring fair value | Level 3 | Collateral-dependent loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Asset, fair value	2,476		4,503
Non-recurring fair value | Level 3 | Foreclosed assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Asset, fair value	$ 5,936		$ 6,481
Discounted expected cash flows | Discount rate | Recurring fair value
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Measurement input	0.070		0.070
Servicing asset, measurement input	0.145		0.145
Discounted expected cash flows | Prepayment speed | Recurring fair value
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Measurement input	0.050		0.050
Discounted appraisals | Discount rate | Non-recurring fair value | Foreclosed assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Foreclosed assets, measurement input	0.100
Minimum | Discounted expected cash flows | Discount rate | Recurring fair value | Loans held for investment
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Loans held for investment, measurement input	0.071		0.067
Minimum | Discounted expected cash flows | Loss rate | Recurring fair value | Loans held for investment
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Loans held for investment, measurement input	0		0
Minimum | Discounted expected cash flows | Prepayment speed | Recurring fair value
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Servicing asset, measurement input	0.118		0.118
Minimum | Discounted expected cash flows | Prepayment speed | Recurring fair value | Loans held for investment
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Loans held for investment, measurement input	0.144		0.140
Minimum | Black-Scholes option pricing model | Discount rate | Recurring fair value | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Equity warrant assets, measurement input	0.250		0.200
Minimum | Black-Scholes option pricing model | Volatility | Recurring fair value | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Equity warrant assets, measurement input	0.131		0.269
Minimum | Black-Scholes option pricing model | Risk-free interest rate | Recurring fair value | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Equity warrant assets, measurement input	0.043		0.038
Minimum | Black-Scholes option pricing model | Remaining life | Recurring fair value | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Equity warrant assets, remaining life	3 years 4 months 24 days		3 years 10 months 24 days
Minimum | Discounted appraisals | Discount rate | Non-recurring fair value | Collateral-dependent loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Collateral-dependent loans, measurement input	0.100		0.100
Minimum | Discounted appraisals | Discount rate | Non-recurring fair value | Foreclosed assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Foreclosed assets, measurement input			0.100
Maximum | Discounted expected cash flows | Discount rate | Recurring fair value | Loans held for investment
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Loans held for investment, measurement input	0.180		0.180
Maximum | Discounted expected cash flows | Loss rate | Recurring fair value | Loans held for investment
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Loans held for investment, measurement input	0.063		0.074
Maximum | Discounted expected cash flows | Prepayment speed | Recurring fair value
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Servicing asset, measurement input	0.183		0.178
Maximum | Discounted expected cash flows | Prepayment speed | Recurring fair value | Loans held for investment
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Loans held for investment, measurement input	0.305		0.303
Maximum | Black-Scholes option pricing model | Discount rate | Recurring fair value | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Equity warrant assets, measurement input	0.050		0.250
Maximum | Black-Scholes option pricing model | Volatility | Recurring fair value | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Equity warrant assets, measurement input	0.900		0.900
Maximum | Black-Scholes option pricing model | Risk-free interest rate | Recurring fair value | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Equity warrant assets, measurement input			0.039
Maximum | Black-Scholes option pricing model | Remaining life | Recurring fair value | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Equity warrant assets, remaining life	12 years		10 years
Maximum | Discounted appraisals | Discount rate | Non-recurring fair value | Collateral-dependent loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Collateral-dependent loans, measurement input	0.946		0.700
Maximum | Discounted appraisals | Discount rate | Non-recurring fair value | Foreclosed assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Foreclosed assets, measurement input			0.174
Weighted Average | Discounted expected cash flows | Discount rate | Recurring fair value
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Servicing asset, measurement input	0.145		0.145
Weighted Average | Discounted expected cash flows | Discount rate | Recurring fair value | Loans held for investment
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Loans held for investment, measurement input	0.100		0.096
Weighted Average | Discounted expected cash flows | Loss rate | Recurring fair value | Loans held for investment
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Loans held for investment, measurement input	0.011		0.012
Weighted Average | Discounted expected cash flows | Prepayment speed | Recurring fair value
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Servicing asset, measurement input	0.157		0.153
Weighted Average | Discounted expected cash flows | Prepayment speed | Recurring fair value | Loans held for investment
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Loans held for investment, measurement input	0.165		0.160
Weighted Average | Black-Scholes option pricing model | Discount rate | Recurring fair value | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Equity warrant assets, measurement input	0.113		0.227
Weighted Average | Black-Scholes option pricing model | Volatility | Recurring fair value | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Equity warrant assets, measurement input	0.318		0.358
Weighted Average | Black-Scholes option pricing model | Risk-free interest rate | Recurring fair value | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Equity warrant assets, measurement input	0.043		0.039
Weighted Average | Black-Scholes option pricing model | Remaining life | Recurring fair value | Equity warrant assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Equity warrant assets, remaining life	5 years 4 months 24 days		7 years 7 months 6 days
Weighted Average | Discounted appraisals | Discount rate | Non-recurring fair value | Collateral-dependent loans
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Collateral-dependent loans, measurement input	0.498		0.387
Weighted Average | Discounted appraisals | Discount rate | Non-recurring fair value | Foreclosed assets
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Foreclosed assets, measurement input	0.100		0.104
Municipal bonds | Recurring fair value | Level 3
Fair Value Assets And Liabilities Measured On Recurring And Nonrecurring Basis Valuation Techniques [Line Items]
Asset, fair value	$ 85		$ 85

Fair Value of Financial Inst_12

Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Value of Financial Instruments (Detail) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Financial assets
Cash and due from banks	$ 615,449	$ 582,540
Certificates of deposit with other banks	250	250
Carrying Amount
Financial assets
Cash and due from banks	615,449	582,540
Certificates of deposit with other banks	250	250
Loans held for sale	363,632	387,037
Loans and leases held for investment, net of allowance for credit losses on loans and leases	8,671,250	8,119,971
Financial liabilities
Deposits	10,707,031	10,275,019
Borrowings	117,745	23,354
Estimate of Fair Value Measurement
Financial assets
Cash and due from banks	615,449	582,540
Certificates of deposit with other banks	250	250
Loans held for sale	387,415	402,096
Loans and leases held for investment, net of allowance for credit losses on loans and leases	8,978,176	8,600,046
Financial liabilities
Deposits	10,444,354	10,080,182
Borrowings	125,320	22,844
Level 1 | Estimate of Fair Value Measurement
Financial assets
Cash and due from banks	615,449	582,540
Certificates of deposit with other banks	250	250
Loans held for sale	0	0
Loans and leases held for investment, net of allowance for credit losses on loans and leases	0	0
Financial liabilities
Deposits	0	0
Borrowings	0	0
Level 2 | Estimate of Fair Value Measurement
Financial assets
Cash and due from banks	0	0
Certificates of deposit with other banks	0	0
Loans held for sale	0	0
Loans and leases held for investment, net of allowance for credit losses on loans and leases	0	0
Financial liabilities
Deposits	10,444,354	10,080,182
Borrowings	0	0
Level 3 | Estimate of Fair Value Measurement
Financial assets
Cash and due from banks	0	0
Certificates of deposit with other banks	0	0
Loans held for sale	387,415	402,096
Loans and leases held for investment, net of allowance for credit losses on loans and leases	8,978,176	8,600,046
Financial liabilities
Deposits	0	0
Borrowings	$ 125,320	$ 22,844

Commitments and Contingencies -

Commitments and Contingencies - Summary of Commitments (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Total unfunded off-balance-sheet credit risk	$ 3,270,401	$ 2,951,465
Commitments to extend credit
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Total unfunded off-balance-sheet credit risk	3,264,580	2,921,978
Standby letters of credit
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Total unfunded off-balance-sheet credit risk	5,821	20,487
Airplane purchase agreement commitments
Fair Value Off Balance Sheet Risks Disclosure Information [Line Items]
Total unfunded off-balance-sheet credit risk	$ 0	$ 9,000

Commitments and Contingencies_2

Commitments and Contingencies - Additional Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) relationship	Jun. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Concentration Risk [Line Items]
Commitment letters expiration period (in days)			90 days
Allowance for off balance sheet credit exposures	$ 10,400		$ 10,400		$ 4,800
Allowance for off balance sheet credit exposures expense	4,700	$ 482	5,600	$ 3,200
Estimated cost to construct new facility	38,900		38,900
Construction costs payable	37,500		37,500
Commitments for on-balance-sheet investments	29,400		29,400		$ 29,000
Maximum retained credit exposure			20,000
Future minimum lease payments receivable under non-cancelable operating leases	44,471		$ 44,471
Thirty Four Relationships
Concentration Risk [Line Items]
Number of relationships that have retained unguaranteed exposure | relationship			34
Retained credit exposure			$ 1,300,000
Retained exposure, amount disbursed			811,800
No Relationships | Maximum
Concentration Risk [Line Items]
Future minimum lease payments receivable under non-cancelable operating leases	$ 20,000		$ 20,000

Commitments and Contingencies_3

Commitments and Contingencies - Geographic Concentrations (Details) - Financing Receivable - Geographic Concentration Risk	6 Months Ended
	Jun. 30, 2024
Concentration Risk [Line Items]
Concentration risk, percentage	100%
Midwest
Concentration Risk [Line Items]
Concentration risk, percentage	12.60%
Northeast
Concentration Risk [Line Items]
Concentration risk, percentage	17.70%
Southeast
Concentration Risk [Line Items]
Concentration risk, percentage	31.80%
Southwest
Concentration Risk [Line Items]
Concentration risk, percentage	12.10%
West
Concentration Risk [Line Items]
Concentration risk, percentage	25.80%

Segments - Narrative (Details)

Segments - Narrative (Details)	6 Months Ended
	Jun. 30, 2024 segment
Segment Reporting [Abstract]
Number of reportable segments	2

Segments - Schedule of Segment

Segments - Schedule of Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Dec. 31, 2023
Segment Reporting Information [Line Items]
Interest income	$ 198,448	$ 169,712	$ 390,868	$ 321,128
Interest expense	107,128	85,410	209,437	154,809
Net interest income (loss)	91,320	84,302	181,431	166,319
Provision for credit losses	11,765	13,028	28,129	32,049
Noninterest income	34,159	24,156	60,256	43,735
Noninterest expense	77,656	76,457	155,393	155,419
Income tax expense (benefit)	9,095	1,429	3,616	4,644
Net income	26,963	17,544	54,549	17,942
Total assets	11,868,570	10,819,196	11,868,570	10,819,196	$ 11,271,423
Operating Segments | Banking
Segment Reporting Information [Line Items]
Interest income	198,368	169,586	390,637	320,855
Interest expense	105,358	85,103	207,356	154,180
Net interest income (loss)	93,010	84,483	183,281	166,675
Provision for credit losses	11,765	13,028	28,129	32,049
Noninterest income	32,189	21,488	57,340	38,485
Noninterest expense	73,049	71,916	146,134	146,399
Income tax expense (benefit)	10,195	1,404	6,461	4,701
Net income	30,190	19,623	59,897	22,011
Total assets	11,730,203	10,642,872	11,730,203	10,642,872
Operating Segments | Fintech
Segment Reporting Information [Line Items]
Interest income	4	8	27	20
Interest expense	0	0	0	0
Net interest income (loss)	4	8	27	20
Provision for credit losses	0	0	0	0
Noninterest income	1,164	1,998	1,625	4,037
Noninterest expense	2,721	2,707	5,071	4,963
Income tax expense (benefit)	(374)	26	(868)	182
Net income	(1,179)	(727)	(2,551)	(1,088)
Total assets	137,029	124,459	137,029	124,459
Other
Segment Reporting Information [Line Items]
Interest income	76	118	204	253
Interest expense	1,770	307	2,081	629
Net interest income (loss)	(1,694)	(189)	(1,877)	(376)
Provision for credit losses	0	0	0	0
Noninterest income	806	670	1,291	1,213
Noninterest expense	1,886	1,834	4,188	4,057
Income tax expense (benefit)	(726)	(1)	(1,977)	(239)
Net income	(2,048)	(1,352)	(2,797)	(2,981)
Total assets	$ 1,338	$ 51,865	$ 1,338	$ 51,865