0001419536-26-000100 | 10-Q | XBRL Viewer

Print Document

Portfolio Loans Receivable and Allowance for Credit Losses - Schedule of Credit Losses for Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 54,660	$ 48,652
Provision for mortgage loan put-back reserve	3,014	2,246
Balance at end of period	54,680	48,454
Unfunded Commitments
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	1,379	1,191
Provision for mortgage loan put-back reserve	205	0
Balance at end of period	1,584	1,191
Mortgage Loan Put-Back Reserve
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	2,339	2,260
Provision for mortgage loan put-back reserve	16	16
Balance at end of period	$ 2,355	$ 2,276

Nature of Business and Basis of Presentation	3 Months Ended
Nature of Business and Basis of Presentation	Mar. 31, 2026
Accounting Policies [Abstract]
Nature of Business and Basis of Presentation	Note 1 - Nature of Business and Basis of Presentation Nature of operations: Capital Bancorp, Inc. is a Maryland corporation and the bank holding company (the “Company”) for Capital Bank, N.A. (the “Bank”). The Company's primary operations are conducted by the Bank, which is headquartered in Rockville, Maryland. The Company operates three additional divisions including, OpenSky™, Windsor Advantage, LLC (“Windsor Advantage™”) and Capital Bank Home Loans (“CBHL”). The Company serves businesses, not-for-profit associations, entrepreneurs and others throughout Washington D.C., Baltimore, other Maryland markets, Delaware, Florida, Illinois and North Carolina through seven commercial bank branches, one mortgage banking office, three loan production offices, three government loan servicing offices, and one credit card operations office. The Bank is principally engaged in providing commercial, real estate, and credit card loans along with other banking services, and attracting deposits. The Company issues credit cards through OpenSky™, a digitally-driven, nationwide credit card platform providing secured, partially secured, and unsecured credit solutions. Windsor Advantage™, a wholly-owned subsidiary of the Company, is a loan service provider that offers community banks and credit unions a comprehensive U.S. Small Business Administration (“SBA”) 7(a) and U.S. Department of Agriculture (“USDA”) lending platform. The Company originates residential mortgages for sale in the secondary market through CBHL, the Bank’s residential mortgage banking arm. In addition, the Company owns all of the stock of Capital Bancorp (MD) Statutory Trust I (the “Trust”). The Trust is a special purpose non-consolidated entity organized for the sole purpose of issuing trust preferred securities. Basis of presentation: The accompanying unaudited interim consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with rules and regulations of the Securities and Exchange Commission (“SEC”) and conform to general practices within the banking industry. The consolidated financial statements include the activity of the Company and its wholly-owned subsidiaries, the Bank, Windsor Advantage™, and Church Street Capital, LLC (“CSC”). The statements do not include all of the information and footnotes required by GAAP for complete financial statements. All adjustments have been made which, in the opinion of management, are necessary for a fair presentation of the results for the interim periods presented. Such adjustments are all of a normal and recurring nature. All significant inter-company accounts and transactions have been eliminated in consolidation. The results of operations for the three months ended March 31, 2026 are not necessarily indicative of the results that may be expected for the full year. These unaudited interim consolidated financial statements should be read in conjunction with the Company’s audited financial statements and the notes thereto as of December 31, 2025, included in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025. The Company reports its activities as four divisions and reporting segments: Commercial Banking, OpenSky™, Windsor Advantage™, and Capital Bank Home Loans. In determining the appropriateness of segment definition, the Company considers components of the business about which financial information is available and regularly evaluated relative to resource allocation and performance assessment. Significant accounting policies: The preparation of consolidated financial statements in accordance with GAAP requires estimates and judgments that affect the reported amounts of assets, liabilities, revenues and expenses and related disclosures of contingent assets and liabilities. The primary reference point for the estimates is on historical experience and assumptions believed to be reasonable regarding the value of certain assets and liabilities that are not readily available from other sources. Estimates are evaluated on an ongoing basis. Actual results may materially differ from these estimates under different assumptions or conditions. The Company’s significant accounting policies are described in the “Notes to the Consolidated Financial Statements” included in our Annual Report on Form 10-K for the year ended December 31, 2025. There have been no changes to our significant accounting policies during the three months ended March 31, 2026. Recently Issued Accounting Pronouncements: In November 2024, the FASB issued Accounting Standards Update 2024-03, "Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40)" ("ASU 2024-03"). ASU 2024-03 requires public entities to provide disaggregated disclosures, in the notes to the financial statements, of certain categories of expenses that are included in expense line items on the face of the income statement. ASU 2024-03 is effective for the Company for fiscal years beginning after December 15, 2026 and interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted. The Company will update its expense disclosures upon adoption. In September 2025, the FASB issued Accounting Standards Update 2025-06 “Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software” (“ASU 2025-06”). ASU 2025-06 makes targeted improvements to Subtopic 350-40 to increase the operability of the recognition guidance considering different methods of software development. ASU 2025-06 is effective for the Company for fiscal years beginning after December 15, 2027, and interim reporting periods in those years, with early adoption permitted. The Company will update its software capitalization policy upon adoption. In November 2025, the FASB issued Accounting Standards Update 2025-08 “Financial Instruments - Credit Losses (Topic 326): Purchased Loans” (“ASU 2025-08”), which expands the gross-up approach applied to purchased credit deteriorated (“PCD”) loans in an acquisition to certain purchased financial assets, including certain seasoned loans that do not meet the definition of PCD. Upon adoption of this guidance, qualifying seasoned loans acquired in future transactions would be recorded by grossing up the purchase price for the initial allowance for credit losses rather than recognizing the allowance through provision expense at acquisition. As a result, future acquisitions may not generate the same level of initial provision expense and related earnings volatility associated with the historical accounting treatment. The guidance would be effective for the Company for fiscal years beginning after December 15, 2026, with early adoption permitted, and is to be applied prospectively. The Company is currently evaluating the impact of this standard and has not elected early adoption. In November 2025, the FASB issued Accounting Standards Update 2025-09, “Derivatives and Hedging (Topic 815): Hedge Accounting Improvements” (“ASU 2025-09”). ASU 2025-09 is intended to clarify guidance on hedge accounting and to address several incremental hedge accounting issues arising from the global reference rate reform initiative. The guidance would be effective for the Company for fiscal years beginning after December 15, 2026, with early adoption permitted, and is to be applied prospectively. The Company is currently evaluating the impact of this standard and has not elected early adoption. In November 2025, the FASB issued Accounting Standards Update 2025-11, "Interim Reporting" ("ASU 2025-11"). ASU 2025-11 is intended to improve the navigability of the guidance in ASC 270, Interim Reporting, and establishes a principle under which an entity must disclose events since the end of the last annual reporting period that have a material impact on the entity. ASU 2025-11 is effective for the Company for interim periods within annual reporting periods beginning after December 15, 2027, with early adoption permitted. The Company is currently evaluating the impact the adoption of ASU 2025-11 may have on the Company’s consolidated financial statements. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company's financial position, results of operations or cash flows. Reclassifications: Certain reclassifications have been made to amounts reported in prior periods to conform to the current period presentation. The reclassifications had no material effect on net income or total stockholders' equity. Certain prior period amounts in the consolidated statements of changes in stockholders’ equity have been reclassified to conform to the current period presentation. These reclassifications were made within total stockholders’ equity and had no impact on previously reported net income, earnings per share, or total stockholders’ equity. Subsequent events: Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date. For further information on a subsequent event related to the Company’s quarterly dividend, refer to Note 11.

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Cash flows from operating activities
Net income	$ 12,018	$ 13,932
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for credit losses	3,014	2,246
Provision for credit losses on unfunded commitments	205	0
Provision for mortgage put-back reserve, net	16	16
Net amortization (accretion) on investment securities available-for-sale	(92)	35
Premises and equipment depreciation	724	215
Lease asset amortization	433	419
Amortization of intangible assets	260	261
Increase in cash surrender value of BOLI	(383)	(379)
Net decrease (increase) in loan servicing assets	(141)	3,267
Executive long-term incentive plan expense	207	143
Stock-based compensation expense	512	407
Director and employee compensation paid in Company stock	255	78
Deferred income tax expense (benefit)	(436)	1
Decrease (increase) in valuation of loans held for sale carried at fair value	30	(63)
Proceeds from sales of loans held for sale	88,430	81,462
Originations of loans held for sale	(75,448)	(72,909)
Government lending revenue	(923)	(1,096)
Changes in assets and liabilities:
Accrued interest receivable	(100)	(2,794)
Taxes payable	3,461	4,037
Other assets	306	(1,601)
Accrued interest payable	199	602
Other liabilities	(10,771)	(5,698)
Net cash provided by operating activities	21,776	22,581
Cash flows from investing activities
Purchases of securities available-for-sale	(9,490)	(240)
Proceeds from calls and maturities of securities available-for-sale	8,326	13,374
Net purchases of restricted investments	(294)	(2,552)
Net increase in portfolio loans receivable	(69,968)	(71,467)
Net purchases of premises and equipment	(643)	(194)
Net cash used in investing activities	(72,069)	(61,079)
Net increase (decrease) in:
Noninterest-bearing deposits	18,936	1,296
Interest-bearing deposits	179,911	128,098
Dividends paid	(1,959)	(1,666)
Repurchase of common stock	(3,557)	(618)
Net proceeds from exercise of stock	708	43
Net cash provided by financing activities	194,039	127,153
Net increase in cash and cash equivalents	143,746	88,655
Cash and cash equivalents, beginning of year	255,565	205,332
Cash and cash equivalents, end of period	399,311	293,987
Noncash investing and financing activities:
Recognition of right-of-use lease asset and lease liability	3,174	0
Change in unrealized gains (losses) on investments	(814)	2,991
Goodwill measurement period adjustment	0	2,959
Cash paid during the period for:
Taxes	40	8
Interest	$ 18,373	$ 16,111

Segments - Schedule of Financial Information by Reportable Segment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Segment Reporting Information [Line Items]
Interest income	$ 67,970	$ 62,760
Interest expense	18,572	16,713
Net interest income	49,398	46,047
Provision for credit losses	3,014	2,246
Provision for credit losses on unfunded commitments	205	0
Net interest income after provision for credit losses	46,179	43,801
Noninterest income
Loan servicing rights (government guaranteed)	497	472
Other (loss) income	957	1,602
Total noninterest income	13,373	12,549
Noninterest expenses
Salaries and employee benefits	20,317	18,067
Occupancy and equipment	3,562	2,910
Professional fees	4,965	2,112
Data processing	7,767	7,112
Advertising	1,466	1,779
Loan processing	1,383	743
Merger-related expenses	0	1,266
Operational and other card fraud related losses	690	903
Regulatory assessment expenses	941	889
Other operating	2,590	2,272
Total noninterest expenses	43,681	38,053
Net income (loss) before taxes	15,871	18,297
Total assets	3,808,467	3,349,805	$ 3,606,207
Service charges on deposits
Noninterest income
Noninterest income	403	258
Credit card fees
Noninterest income
Noninterest income	4,692	3,722
Mortgage banking revenue
Noninterest income
Noninterest income	1,556	1,831
Government lending revenue
Noninterest income
Noninterest income	923	1,096
Government loan servicing revenue
Noninterest income
Noninterest income	4,345	3,568
Noninterest expenses
Gross revenue	5,600	4,600
Servicing fees	1,300	1,000
Commercial Bank
Segment Reporting Information [Line Items]
Interest income	52,732	48,164
Interest expense	18,472	16,649
Net interest income	34,260	31,515
Provision for credit losses	344	446
Provision for credit losses on unfunded commitments	205
Net interest income after provision for credit losses	33,711	31,069
Noninterest income
Loan servicing rights (government guaranteed)	497	472
Other (loss) income	707	1,423
Total noninterest income	1,684	2,474
Noninterest expenses
Salaries and employee benefits	12,090	10,626
Occupancy and equipment	1,870	1,577
Professional fees	2,468	1,151
Data processing	545	440
Advertising	718	718
Loan processing	1,076	477
Merger-related expenses		1,266
Operational and other card fraud related losses	65	31
Regulatory assessment expenses	598	865
Other operating	1,140	1,409
Total noninterest expenses	20,570	18,560
Net income (loss) before taxes	14,825	14,983
Total assets	$ 3,624,207	$ 3,192,327	3,407,326
Return on assets	1.66%	1.90%
Efficiency ratio	57.20%	54.60%
Commercial Bank \| Service charges on deposits
Noninterest income
Noninterest income	$ 403	$ 258
Commercial Bank \| Credit card fees
Noninterest income
Noninterest income	0	0
Commercial Bank \| Mortgage banking revenue
Noninterest income
Noninterest income	416	263
Commercial Bank \| Government lending revenue
Noninterest income
Noninterest income	923	1,096
Commercial Bank \| Government loan servicing revenue
Noninterest income
Noninterest income	(1,262)	(1,038)
OpenSky™
Segment Reporting Information [Line Items]
Interest income	15,061	14,444
Interest expense	0	0
Net interest income	15,061	14,444
Provision for credit losses	2,670	1,800
Provision for credit losses on unfunded commitments	0
Net interest income after provision for credit losses	12,391	12,644
Noninterest income
Loan servicing rights (government guaranteed)	0	0
Other (loss) income	12	11
Total noninterest income	4,704	3,733
Noninterest expenses
Salaries and employee benefits	3,887	3,345
Occupancy and equipment	1,118	488
Professional fees	1,861	591
Data processing	7,107	6,582
Advertising	592	874
Loan processing	47	19
Merger-related expenses		0
Operational and other card fraud related losses	625	872
Regulatory assessment expenses	215	15
Other operating	715	516
Total noninterest expenses	16,167	13,302
Net income (loss) before taxes	928	3,075
Total assets	135,414	119,636	140,914
OpenSky™ \| Service charges on deposits
Noninterest income
Noninterest income	0	0
OpenSky™ \| Credit card fees
Noninterest income
Noninterest income	4,692	3,722
OpenSky™ \| Mortgage banking revenue
Noninterest income
Noninterest income	0	0
OpenSky™ \| Government lending revenue
Noninterest income
Noninterest income	0	0
OpenSky™ \| Government loan servicing revenue
Noninterest income
Noninterest income	0	0
Windsor Advantage™
Segment Reporting Information [Line Items]
Interest income	0	0
Interest expense	0	0
Net interest income	0	0
Provision for credit losses	0	0
Provision for credit losses on unfunded commitments	0
Net interest income after provision for credit losses	0	0
Noninterest income
Loan servicing rights (government guaranteed)	0	0
Other (loss) income	0	0
Total noninterest income	5,607	4,606
Noninterest expenses
Salaries and employee benefits	2,664	2,406
Occupancy and equipment	392	711
Professional fees	278	120
Data processing	59	53
Advertising	60	104
Loan processing	22	7
Merger-related expenses		0
Operational and other card fraud related losses	0	0
Regulatory assessment expenses	66	5
Other operating	605	254
Total noninterest expenses	4,146	3,660
Net income (loss) before taxes	1,461	946
Total assets	28,535	23,750	25,993
Windsor Advantage™ \| Service charges on deposits
Noninterest income
Noninterest income	0	0
Windsor Advantage™ \| Credit card fees
Noninterest income
Noninterest income	0	0
Windsor Advantage™ \| Mortgage banking revenue
Noninterest income
Noninterest income	0	0
Windsor Advantage™ \| Government lending revenue
Noninterest income
Noninterest income	0	0
Windsor Advantage™ \| Government loan servicing revenue
Noninterest income
Noninterest income	5,607	4,606
CBHL
Segment Reporting Information [Line Items]
Interest income	177	152
Interest expense	100	64
Net interest income	77	88
Provision for credit losses	0	0
Provision for credit losses on unfunded commitments	0
Net interest income after provision for credit losses	77	88
Noninterest income
Loan servicing rights (government guaranteed)	0	0
Other (loss) income	238	168
Total noninterest income	1,378	1,736
Noninterest expenses
Salaries and employee benefits	1,676	1,690
Occupancy and equipment	182	134
Professional fees	358	250
Data processing	56	37
Advertising	96	83
Loan processing	238	240
Merger-related expenses		0
Operational and other card fraud related losses	0	0
Regulatory assessment expenses	62	4
Other operating	130	93
Total noninterest expenses	2,798	2,531
Net income (loss) before taxes	(1,343)	(707)
Total assets	20,311	14,092	$ 31,974
CBHL \| Service charges on deposits
Noninterest income
Noninterest income	0	0
CBHL \| Credit card fees
Noninterest income
Noninterest income	0	0
CBHL \| Mortgage banking revenue
Noninterest income
Noninterest income	1,140	1,568
CBHL \| Government lending revenue
Noninterest income
Noninterest income	0	0
CBHL \| Government loan servicing revenue
Noninterest income
Noninterest income	$ 0	$ 0

Derivative Financial Instruments - Schedule of Notional Amount and Estimated Fair Value of Derivatives (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Included in other assets:
Notional Amount	$ 206,492	$ 188,859
Estimated Fair Value	6,265	5,941
Included in other liabilities:
Notional Amount	17,663	8,500
Estimated Fair Value	147	30
Mortgage origination commitments
Included in other assets:
Notional Amount	195,492	176,106
Estimated Fair Value	6,235	5,892
Open forward delivery sales agreements (hedge MTM)
Included in other assets:
Notional Amount	11,000	0
Estimated Fair Value	30	0
Included in other liabilities:
Notional Amount	0	8,500
Estimated Fair Value	0	30
Open mandatory delivery commitments
Included in other assets:
Notional Amount	0	7,981
Estimated Fair Value	0	31
Included in other liabilities:
Notional Amount	8,447	0
Estimated Fair Value	93	0
Open forward delivery sales agreements (pipeline hedge)
Included in other assets:
Notional Amount	0	4,772
Estimated Fair Value	0	18
Included in other liabilities:
Notional Amount	9,216	0
Estimated Fair Value	$ 54	$ 0

Leases

3 Months Ended

Mar. 31, 2026

Leases [Abstract]

Leases

The Company’s primary leasing activities relate to certain real estate leases entered into in support of the Company’s branch operations and back office operations. The Company leases five of its full service branches and seven other locations for corporate/administration activities, operations, and loan production. All property leases under lease agreements have been designated as operating leases. The Company does not have leases designated as finance leases.

The Company determines if an arrangement is a lease at inception. Operating lease Right of Use (“ROU”) assets are included in premises and equipment, and operating lease liabilities are included as other liabilities in the consolidated balance sheets. ROU assets represent the right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As the Company's leases do not provide an implicit rate, the Company uses its incremental borrowing rate based on the information available at commencement date in determining the present value of lease payments. The historical weighted average discount rate was 4.70% at March 31, 2026 and 5.08% at December 31, 2025. The operating lease ROU asset also includes any lease pre-payments. The Company's lease terms may include options to extend or terminate the lease when it is reasonably certain that the Company will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term. The Company has lease agreements with lease and non-lease components, which the Company has elected to account for separately as the non-lease component amounts are readily determinable under most leases.

As of March 31, 2026, the Company’s net lease ROU assets and related lease liabilities were $6.8 million and $7.6 million, respectively, compared to December 31, 2025 balances of $4.0 million of ROU assets and $4.6 million of lease liabilities, and have remaining terms ranging from one to seven years, including extension options that the Company is reasonably certain will be exercised. As of March 31, 2026, the Company had not entered into any material leases that have not yet commenced. The Company’s lease information is summarized as follows:


(in thousands)	March 31, 2026		December 31, 2025
Lease Right of Use Asset:
Lease asset	$	10,152	$	6,978
Less: Accumulated amortization	(3,392)		(2,959)
Net lease asset	$	6,760	$	4,019



Lease Liability:
Lease liability	$	10,586	7,326
Less: Accumulated amortization	(3,014)		(2,754)
Net lease liability	$	7,572	$	4,572

Future minimum payments for operating leases with initial or remaining terms of one year or more are as follows:


(in thousands)	March 31, 2026
Amounts due in:
2026	$	1,412
2027	1,811
2028	1,661
2029	1,652
2030	1,399
2031 and thereafter	777
Total future lease payments	8,712
Discount of cash flows	(1,140)
Present value of net future lease payments	$	7,572

Derivative Financial Instruments (Tables)

3 Months Ended

Mar. 31, 2026

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Notional Amount and Estimated Fair Value of Derivatives

The notional amount and estimated fair value of mortgage banking derivatives included in the consolidated balance sheets is summarized as follows:


	March 31, 2026				December 31, 2025
(in thousands)	Notional Amount		Estimated Fair Value		Notional Amount		Estimated Fair Value



Included in other assets:
Mortgage origination commitments	$	195,492	$	6,235	$	176,106	$	5,892
Open forward delivery sales agreements (hedge MTM)	11,000		30		—		—
Open mandatory delivery commitments	—		—		7,981		31
Open forward delivery sales agreements (pipeline hedge)	—		—		4,772		18


Total included in assets	$	206,492	$	6,265	$	188,859	$	5,941

Included in other liabilities:
Open forward delivery sales agreements (pipeline hedge)	$	9,216	$	54	$	—	$	—
Open mandatory delivery commitments	8,447		93		—		—
Open forward delivery sales agreements (hedge MTM)	—		—		8,500		30
Total included in other liabilities	$	17,663	$	147	$	8,500	$	30

Schedule of Net Gains (Losses) Related to Derivative Instruments

The net gains (losses) relating to mortgage banking derivative instruments included in mortgage banking revenue is summarized as follows:


	Three months ended
	March 31, 2026		March 31, 2025
(in thousands)
Mortgage origination commitments	$	343	$	444
Open forward delivery sales agreements (hedge MTM)	60		(56)
Open forward delivery sales agreements (pipeline hedge)	(72)		28
Open mandatory delivery commitments	(124)		64
Total	$	207	$	480

Interest Income And Interest Expense (Tables)

3 Months Ended

Mar. 31, 2026

Banking and Thrift, Interest [Abstract]

Schedule of Components of Interest Income and Interest Expense

The following table presents the components of interest income and interest expense:


	Three months ended
(in thousands)	2026		2025
Interest income
Taxable interest income	$	67,793	$	62,688
Non-taxable interest income	53		3
Dividends	124		69
Total interest income	$	67,970	$	62,760

Interest expense
Deposits	$	18,070	$	16,512
Short-term borrowings	471		51
Long-term debt	31		150
Total interest expense	$	18,572	$	16,713

Portfolio Loans Receivable and Allowance for Credit Losses - Schedule of Loan Modifications to Borrowers Experiencing Financial Difficulty (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2026 USD ($) loanModification	Mar. 31, 2025 loanModification
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of loan modifications \| loanModification	9	0
Amortized Cost Basis	$ 3,576
Commercial and Industrial \| Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost Basis	$ 1,729
% of Total Loan Type	0.237%
Commercial and Industrial \| Payment Deferral \| Loan Modification One
Financing Receivable, Troubled Debt Restructuring [Line Items]
Payment deferral period after loan modifications	8 months
Commercial and Industrial \| Payment Deferral \| Loan Modification Five
Financing Receivable, Troubled Debt Restructuring [Line Items]
Payment deferral period after loan modifications	6 months
Commercial and Industrial \| Payment Deferral \| Loan Modification Six
Financing Receivable, Troubled Debt Restructuring [Line Items]
Payment deferral period after loan modifications	7 months
Commercial and Industrial \| Extended Maturity And Payment Deferral \| Loan Modification Two
Financing Receivable, Troubled Debt Restructuring [Line Items]
Payment deferral period after loan modifications	6 months
Term increase to the life of the loan after loan modifications	15 months
Commercial and Industrial \| Extended Maturity And Payment Deferral \| Loan Modification Three
Financing Receivable, Troubled Debt Restructuring [Line Items]
Payment deferral period after loan modifications	3 months
Term increase to the life of the loan after loan modifications	4 months
Commercial and Industrial \| Extended Maturity and Interest Rate Reduction \| Loan Modification Four
Financing Receivable, Troubled Debt Restructuring [Line Items]
Payment deferral period after loan modifications	4 months
Term increase to the life of the loan after loan modifications	6 months
Contractual interest rate loan modifications	7.00%
Real estate: \| Commercial \| Payment Deferral
Financing Receivable, Troubled Debt Restructuring [Line Items]
Amortized Cost Basis	$ 1,847
% of Total Loan Type	0.185%
Payment deferral period after loan modifications	8 months

Investment Securities - Unrealized Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Fair Value
Less than 12 months	$ 44,415	$ 10,067
12 months or longer	125,980	126,399
Total	170,395	136,466
Unrealized Losses
Less than 12 months	(108)	(61)
12 months or longer	(8,551)	(8,327)
Total	(8,659)	(8,388)
U.S. Treasuries
Fair Value
Less than 12 months	19,898	9,853
12 months or longer	95,373	95,531
Total	115,271	105,384
Unrealized Losses
Less than 12 months	(9)	(32)
12 months or longer	(5,346)	(5,270)
Total	(5,355)	(5,302)
Municipal
Fair Value
Less than 12 months	2,291	0
12 months or longer	8,950	8,998
Total	11,241	8,998
Unrealized Losses
Less than 12 months	(3)	0
12 months or longer	(1,829)	(1,784)
Total	(1,832)	(1,784)
Corporate
Fair Value
Less than 12 months	0	0
12 months or longer	3,407	3,404
Total	3,407	3,404
Unrealized Losses
Less than 12 months	0	0
12 months or longer	(93)	(96)
Total	(93)	(96)
Mortgage-backed securities
Fair Value
Less than 12 months	22,226	214
12 months or longer	18,250	18,466
Total	40,476	18,680
Unrealized Losses
Less than 12 months	(96)	(29)
12 months or longer	(1,283)	(1,177)
Total	$ (1,379)	$ (1,206)

Portfolio Loans Receivable and Allowance for Credit Losses - Past Due Financing Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	$ 3,030,430	$ 2,965,071
Accruing Loans 90 or More Days Past Due	3,705	4,572
Nonaccrual Loans	55,417	54,421
Total Past Due Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	108,471	93,485
Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	35,726	25,681
Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	13,885	13,760
Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	58,860	54,044
Current Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	2,921,959	2,871,586
Commercial and Industrial
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	730,576	698,289
Accruing Loans 90 or More Days Past Due	70	279
Nonaccrual Loans	26,091	26,339
Commercial and Industrial \| Total Past Due Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	30,285	31,131
Commercial and Industrial \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	3,023	3,501
Commercial and Industrial \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	1,363	5,134
Commercial and Industrial \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	25,899	22,496
Commercial and Industrial \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	700,291	667,158
Real estate: \| Residential
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	795,505	765,808
Accruing Loans 90 or More Days Past Due	2	740
Nonaccrual Loans	7,400	7,741
Real estate: \| Residential \| Total Past Due Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	19,188	12,939
Real estate: \| Residential \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	7,510	3,886
Real estate: \| Residential \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	4,276	573
Real estate: \| Residential \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	7,402	8,480
Real estate: \| Residential \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	776,317	752,869
Real estate: \| Commercial
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	999,075	997,081
Accruing Loans 90 or More Days Past Due	925	862
Nonaccrual Loans	17,802	15,624
Real estate: \| Commercial \| Total Past Due Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	27,964	24,974
Real estate: \| Commercial \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	6,433	8,148
Real estate: \| Commercial \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	2,804	1,166
Real estate: \| Commercial \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	18,727	15,660
Real estate: \| Commercial \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	971,111	972,107
Real estate: \| Construction
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	365,706	359,566
Accruing Loans 90 or More Days Past Due	0	0
Nonaccrual Loans	4,124	4,717
Real estate: \| Construction \| Total Past Due Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	16,994	7,308
Real estate: \| Construction \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	12,870	2,591
Real estate: \| Construction \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	0	0
Real estate: \| Construction \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	4,124	4,717
Real estate: \| Construction \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	348,712	352,258
Credit card \| Consumer
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	134,789	142,397
Accruing Loans 90 or More Days Past Due	2,708	2,691
Nonaccrual Loans	0	0
Credit card \| Consumer \| Total Past Due Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	14,040	17,133
Credit card \| Consumer \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	5,890	7,555
Credit card \| Consumer \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	5,442	6,887
Credit card \| Consumer \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	2,708	2,691
Credit card \| Consumer \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	120,749	125,264
Other consumer \| Consumer
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	4,779	1,930
Accruing Loans 90 or More Days Past Due	0	0
Nonaccrual Loans	0	0
Other consumer \| Consumer \| Total Past Due Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	0	0
Other consumer \| Consumer \| Loans 30-59 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	0	0
Other consumer \| Consumer \| Loans 60-89 Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	0	0
Other consumer \| Consumer \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	0	0
Other consumer \| Consumer \| Current Loans
Financing Receivable, Past Due [Line Items]
Total Portfolio Loans	$ 4,779	$ 1,930

Loan Servicing - Narrative (Details) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Transfers and Servicing [Abstract]
Principal balance of loan servicing rights	$ 753	$ 739
Discount rate	12.80%	12.80%
Weighted average prepayment speeds	17.30%	16.60%
Weighted average default rate	0.70%	0.70%

Loan Servicing - Schedule of Activity for Loan Servicing Rights and the related Valuation Allowance (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2026	Dec. 31, 2025
Servicing Asset at Fair Value, Amount [Roll Forward]
Balance at beginning of period	$ 1,816	$ 5,511
Additions	185	182
Measurement period adjustments	0	(2,107)
Other changes in fair value	(44)	(1,770)
Balance at end of period	$ 1,957	$ 1,816

- Definition

Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-2

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-2

+ Details

Investment Securities

3 Months Ended

Mar. 31, 2026

Investments, Debt and Equity Securities [Abstract]

Investment Securities

The following table summarizes the amortized cost, fair value and allowance for credit losses (“ACL”) of securities available-for-sale at March 31, 2026 and December 31, 2025, respectively, and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive loss:



(in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Fair Value
March 31, 2026
U.S. Treasuries	$	145,984	$	63	$	(5,355)	$	—	$	140,692

Municipal	15,613		19		(1,832)		—		13,800
Corporate	3,500		—		(93)		—		3,407
Asset-backed securities	4,828		13		—		—		4,841
Mortgage-backed securities	68,985		179		(1,379)		—		67,785
Total	$	238,910	$	274	$	(8,659)	$	—	$	230,525

December 31, 2025
U.S. Treasuries	$	142,381	$	157	$	(5,302)	$	—	$	137,236

Municipal	15,615		66		(1,784)		—		13,897
Corporate	3,500		—		(96)		—		3,404
Asset-backed securities	5,013		13		—		—		5,026
Mortgage-backed securities	71,145		581		(1,206)		—		70,520
Total	$	237,654	$	817	$	(8,388)	$	—	$	230,083

There were no securities sold during the three months ended March 31, 2026 or the three months ended March 31, 2025. There was no ACL required on available-for-sale debt securities in an unrealized loss position at March 31, 2026 and December 31, 2025.

The amortized cost and fair value of debt securities are shown by contractual maturity. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately.


	March 31, 2026				December 31, 2025
(in thousands)	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Within one year	$	53,711	$	53,611	$	54,110	$	53,767
One to five years	74,544		71,718		70,534		67,955
Five to ten years	34,336		30,604		34,346		30,847
Beyond ten years	2,506		1,966		2,506		1,968
Asset-backed securities(1)	4,828		4,841		5,013		5,026
Mortgage-backed securities(1)	68,985		67,785		71,145		70,520
Total	$	238,910	$	230,525	$	237,654	$	230,083

_______________

(1) Asset-backed and Mortgage-backed securities are due in monthly installments.

Securities pledged had a carrying amount of $0.9 million and $1.0 million at March 31, 2026 and December 31, 2025, respectively, to secure public deposits. As of March 31, 2026, approximately $119.3 million of investment securities were pledged as collateral to the FHLB to secure FHLB advances. As of December 31, 2025, approximately $124.3 million of investment securities were pledged as collateral to the FHLB to secure FHLB advances.

At March 31, 2026 and December 31, 2025, there were no holdings of securities of any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders’ equity.

The following table summarizes debt securities available-for-sale in an unrealized loss position for which an ACL has not been recorded at March 31, 2026 and December 31, 2025, aggregated by major security type and length of time in a continuous unrealized loss position:


	Less than 12 months				12 months or longer				Total
(in thousands)	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
March 31, 2026
U.S. Treasuries	$	19,898	$	(9)	$	95,373	$	(5,346)	$	115,271	$	(5,355)
Municipal	2,291		(3)		8,950		(1,829)		11,241		(1,832)
Corporate	—		—		3,407		(93)		3,407		(93)

Mortgage-backed securities	22,226		(96)		18,250		(1,283)		40,476		(1,379)
Total	$	44,415	$	(108)	$	125,980	$	(8,551)	$	170,395	$	(8,659)

December 31, 2025
U.S. Treasuries	$	9,853	$	(32)	$	95,531	$	(5,270)	$	105,384	$	(5,302)

Municipal	—		—		8,998		(1,784)		8,998		(1,784)
Corporate	—		—		3,404		(96)		3,404		(96)

Mortgage-backed securities	214		(29)		18,466		(1,177)		18,680		(1,206)
Total	$	10,067	$	(61)	$	126,399	$	(8,327)	$	136,466	$	(8,388)

At March 31, 2026, there were two treasury securities, one municipal security, and seven mortgage-backed securities that had been in an unrealized loss position for less than twelve months. At December 31, 2025, there was one treasury security and three mortgage-backed securities that had been in an unrealized loss position for less than twelve months. At March 31, 2026, there were ten treasury securities, ten municipal securities, three corporate securities, and ten mortgage-backed securities that had been in an unrealized loss position for greater than twelve months. At December 31, 2025, there were ten treasury securities, ten municipal securities, three corporate securities, and eight mortgage-backed securities that had been in an unrealized loss position for greater than twelve months.

As of March 31, 2026, management determined the Company does not have the intent to sell, nor is it more likely than not that it will be required to sell, available-for-sale debt securities in an unrealized loss position at March 31, 2026 before it is able to recover the amortized cost basis. Further, management reviewed the Company’s holdings as of March 31, 2026 and concluded there were no credit-related declines in fair value. Additional information related to the types of securities held at March 31, 2026, other than securities issued or guaranteed by U.S. Government entities or agencies including U.S. Treasuries and substantially all of the Company’s mortgage-backed securities, is as follows:

Corporate Securities — There have been no payment defaults on any of the Company’s holdings of corporate debt securities. There are three securities, all of which are subordinated debt of other financial institutions with face amounts ranging from $0.5 million to $2 million.

Municipal Securities — All of the Company’s holdings of municipal bonds were investment grade and there have been no payment defaults. Summary ratings information at March 31, 2026, based on the amortized cost basis and reflecting the lowest enhanced or underlying rating by Moody’s, Standard & Poors or Fitch, is as follows: AAA - 76% of the portfolio; AA+ - 24%.

Asset-backed Securities — There are three investment grade asset-backed securities, and there have been no payment defaults on these securities.

As such, it is deemed the above listed securities are not in an unrealized loss position due to credit-related issues and no further analysis is warranted as of March 31, 2026.

Investment Securities - Amortized cost to Estimated Fair Value (Details) - USD ($)	Mar. 31, 2026	Dec. 31, 2025
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 238,910,000	$ 237,654,000
Gross Unrealized Gains	274,000	817,000
Gross Unrealized Losses	(8,659,000)	(8,388,000)
Allowance for Credit Losses	0	0
Fair Value	230,525,000	230,083,000
U.S. Treasuries
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	145,984,000	142,381,000
Gross Unrealized Gains	63,000	157,000
Gross Unrealized Losses	(5,355,000)	(5,302,000)
Allowance for Credit Losses	0	0
Fair Value	140,692,000	137,236,000
Municipal
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	15,613,000	15,615,000
Gross Unrealized Gains	19,000	66,000
Gross Unrealized Losses	(1,832,000)	(1,784,000)
Allowance for Credit Losses	0	0
Fair Value	13,800,000	13,897,000
Corporate
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	3,500,000	3,500,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	(93,000)	(96,000)
Allowance for Credit Losses	0	0
Fair Value	3,407,000	3,404,000
Asset-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	4,828,000	5,013,000
Gross Unrealized Gains	13,000	13,000
Gross Unrealized Losses	0	0
Allowance for Credit Losses	0	0
Fair Value	4,841,000	5,026,000
Mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	68,985,000	71,145,000
Gross Unrealized Gains	179,000	581,000
Gross Unrealized Losses	(1,379,000)	(1,206,000)
Allowance for Credit Losses	0	0
Fair Value	$ 67,785,000	$ 70,520,000

Portfolio Loans Receivable and Allowance for Credit Losses - Narrative (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2026 USD ($) loanModification	Mar. 31, 2025 loanModification	Dec. 31, 2025 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 3,030,430		$ 2,965,071
Number of loan modifications \| loanModification	9	0
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 730,576		698,289
Specific reserve on collateral dependent loans	4,500		4,200
Real estate: \| Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	795,505		765,808
Specific reserve on collateral dependent loans	2		40
Real estate: \| Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	999,075		997,081
Specific reserve on collateral dependent loans	1,200		1,300
Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 5,600		$ 6,100

Portfolio Loans Receivable and Allowance for Credit Losses - Schedule of Outstanding Loan Commitments (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 3,030,430	$ 2,965,071
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	730,576	698,289
Real estate: \| Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	795,505	765,808
Real estate: \| Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	999,075	997,081
Real estate: \| Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	365,706	359,566
Credit card \| Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	134,789	142,397
Credit card \| Consumer \| Savings Deposits
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	59,000	95,900
Other consumer \| Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	4,779	1,930
Commitments to Extend Credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	474,960	455,666
Letters of credit	1,633	1,633
Commitments to Extend Credit \| Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	110,662	91,203
Commitments to Extend Credit \| Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	113,591	90,990
Commitments to Extend Credit \| Real estate: \| Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	19,269	22,858
Commitments to Extend Credit \| Real estate: \| Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	37,709	69,887
Commitments to Extend Credit \| Residential - Home Equity \| Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	40,008	41,864
Commitments to Extend Credit \| Credit card \| Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	153,487	138,632
Commitments to Extend Credit \| Other consumer \| Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unused lines of credit	$ 234	$ 232

Segments (Tables)

3 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

Schedule of Financial Information by Reportable Segment

The following schedules reported internally for performance assessment by the chief operating decision maker present financial information for each reportable segment at and for the three months ended March 31, 2026 and 2025.


For the Three Months Ended March 31, 2026
(in thousands)	Commercial Bank(2)(3)		OpenSky™		Windsor Advantage™		CBHL		Consolidated
Interest income	$	52,732	$	15,061	$	—	$	177	$	67,970
Interest expense	18,472		—		—		100		18,572
Net interest income	34,260		15,061		—		77		49,398
Provision for credit losses	344		2,670		—		—		3,014
Provision for credit losses on unfunded commitments	205		—		—		—		205
Net interest income after provision	33,711		12,391		—		77		46,179
Noninterest income
Service charges on deposits	403		—		—		—		403
Credit card fees	—		4,692		—		—		4,692
Mortgage banking revenue	416		—		—		1,140		1,556
Government lending revenue	923		—		—		—		923
Government loan servicing revenue(1)	(1,262)		—		5,607		—		4,345
Loan servicing rights (government guaranteed)	497		—		—		—		497
Other (loss) income	707		12		—		238		957
Total noninterest income	1,684		4,704		5,607		1,378		13,373
Noninterest expenses
Salaries and employee benefits	12,090		3,887		2,664		1,676		20,317
Occupancy and equipment	1,870		1,118		392		182		3,562
Professional fees	2,468		1,861		278		358		4,965
Data processing	545		7,107		59		56		7,767
Advertising	718		592		60		96		1,466
Loan processing	1,076		47		22		238		1,383


Operational and other card fraud related losses	65		625		—		—		690
Regulatory assessment expenses	598		215		66		62		941
Other operating	1,140		715		605		130		2,590
Total noninterest expenses	20,570		16,167		4,146		2,798		43,681
Net income (loss) before taxes	$	14,825	$	928	$	1,461	$	(1,343)	$	15,871

Total assets	$	3,624,207	$	135,414	$	28,535	$	20,311	$	3,808,467

(1) Gross government loan servicing revenue totaled $5.6 million, including $1.3 million of servicing fees earned from the Commercial Bank by Windsor Advantage™, for the three months ended March 31, 2026.

(2) Commercial Bank’s return on assets of 1.66% for the three months ended March 31, 2026 is calculated by dividing net income before taxes by total assets.

(3) Commercial Bank’s efficiency ratio of 57.2% for the three months ended March 31, 2026 is calculated by dividing noninterest expense by total revenue (net interest income plus noninterest income).


For the Three Months Ended March 31, 2025
(in thousands)	Commercial Bank(2)(3)		OpenSky™		Windsor Advantage™		CBHL		Consolidated
Interest income	$	48,164	$	14,444	$	—	$	152	$	62,760
Interest expense	16,649		—		—		64		16,713
Net interest income	31,515		14,444		—		88		46,047
Provision for credit losses	446		1,800		—		—		2,246

Net interest income after provision	31,069		12,644		—		88		43,801
Noninterest income
Service charges on deposits	258		—		—		—		258
Credit card fees	—		3,722		—		—		3,722
Mortgage banking revenue	263		—		—		1,568		1,831
Government lending revenue	1,096		—		—		—		1,096
Government loan servicing revenue(1)	(1,038)		—		4,606		—		3,568
Loan servicing rights (government guaranteed)	472		—		—		—		472
Other income	1,423		11		—		168		1,602
Total noninterest income	2,474		3,733		4,606		1,736		12,549
Noninterest expenses
Salaries and employee benefits	10,626		3,345		2,406		1,690		18,067
Occupancy and equipment	1,577		488		711		134		2,910
Professional fees	1,151		591		120		250		2,112
Data processing	440		6,582		53		37		7,112
Advertising	718		874		104		83		1,779
Loan processing	477		19		7		240		743

Merger-related expenses	1,266		—		—		—		1,266
Operational and other card fraud related losses	31		872		—		—		903
Regulatory assessment expenses	865		15		5		4		889
Other operating	1,409		516		254		93		2,272
Total noninterest expenses	18,560		13,302		3,660		2,531		38,053
Net income (loss) before taxes	$	14,983	$	3,075	$	946	$	(707)	$	18,297

Total assets	$	3,192,327	$	119,636	$	23,750	$	14,092	$	3,349,805

(1) Gross government loan servicing revenue totaled $4.6 million, including $1.0 million of servicing fees earned from the Commercial Bank by Windsor Advantage™, for the three months ended March 31, 2025.

(2) Commercial Bank’s return on assets of 1.90% for the three months ended March 31, 2025 is calculated by dividing net income before taxes by total assets.

(3) Commercial Bank’s efficiency ratio of 54.6% for the three months ended March 31, 2025 is calculated by dividing noninterest expense by total revenue (net interest income plus noninterest income).

Schedule of Financial Information

The following table presents financial information as of March 31, 2026, December 31, 2025 and March 31, 2025.


March 31, 2026
(in thousands)	Commercial Bank		OpenSky™		Windsor Advantage™		CBHL		Consolidated
Cash and cash equivalents	$	383,795	$	8,208	$	7,308	$	—	$	399,311
Goodwill	22,448		—		3,521		—		25,969
Intangible assets	1,479		—		13,032		—		14,511
Other segment assets	3,216,485		127,206		4,674		20,311		3,368,676
Total assets	$	3,624,207	$	135,414	$	28,535	$	20,311	$	3,808,467

December 31, 2025
(in thousands)	Commercial Bank		OpenSky™		Windsor Advantage™		CBHL		Consolidated
Cash and cash equivalents	$	242,149	$	8,039	$	5,377	$	—	$	255,565
Goodwill	22,448		—		3,521		—		25,969
Intangible assets	1,528		—		13,243		—		14,771
Other segment assets	3,141,201		132,875		3,852		31,974		3,309,902
Total assets	$	3,407,326	$	140,914	$	25,993	$	31,974	$	3,606,207

March 31, 2025
(in thousands)	Commercial Bank		OpenSky™		Windsor Advantage™		CBHL		Consolidated
Cash and cash equivalents	$	280,842	$	7,468	$	5,677	$	—	$	293,987
Goodwill	24,085		—		—		—		24,085
Intangible assets	1,698		—		13,858		—		15,556
Other segment assets	2,885,702		112,168		4,215		14,092		3,016,177
Total assets	$	3,192,327	$	119,636	$	23,750	$	14,092	$	3,349,805

Segments - Narrative (Details) $ in Thousands	3 Months Ended
Segments - Narrative (Details) $ in Thousands	Mar. 31, 2026 USD ($) segment	Dec. 31, 2025 USD ($)	Mar. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments \| segment	4
Portfolio loans receivable, net	$ 2,971,751	$ 2,904,797
Allowance for loan losses	54,680	$ 54,660	$ 48,454	$ 48,652
Church Street Capital
Segment Reporting Information [Line Items]
Portfolio loans receivable, net	5,100
Allowance for loan losses	$ 203

Subsequent Events (Details)	1 Months Ended
Subsequent Events (Details)	Apr. 30, 2026 $ / shares
Subsequent Event
Subsequent Event [Line Items]
Quarterly dividend of common stock declared (in dollar per share)	$ 0.12

Portfolio Loans Receivable and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2026

Receivables [Abstract]

Schedule of Loans Receivable

The following is a summary of the major categories of total loans outstanding:



	March 31, 2026				December 31, 2025
(in thousands)	Amount		Percent		Amount		Percent
Real estate:
Residential	$	795,505	26	%	$	765,808	26	%
Commercial	999,075		33		997,081		34
Construction	365,706		12		359,566		12
Commercial and Industrial	730,576		24		698,289		23
Credit card, net of reserve(1)	134,789		5		142,397		5
Other consumer	4,779		—		1,930		—
Portfolio loans receivable, gross	3,030,430		100	%	2,965,071		100	%
Deferred origination fees, net	(3,999)				(5,614)
Allowance for credit losses	(54,680)				(54,660)
Portfolio loans receivable, net	$	2,971,751			$	2,904,797

_____________

(1) Credit card loans are presented net of reserve for interest and fees.

Schedule of Allowance for Credit Losses on Loans Receivables

The following tables set forth the changes in the ACL by loan segment class for the three months ended March 31, 2026 and March 31, 2025.


(in thousands)	Beginning Balance		Provision (Release of Provision) for Credit Losses		Charge-Offs		Recoveries		Ending Balance
Three Months Ended March 31, 2026
Real estate:
Residential	$	7,444	$	184	$	—	$	—	$	7,628
Commercial	14,917		(611)		—		—		14,306
Construction	4,250		84		(27)		—		4,307
Commercial and Industrial	19,818		684		(562)		695		20,635
Credit card	8,226		2,671		(3,103)		3		7,797
Other consumer	5		2		—		—		7
Total	$	54,660	$	3,014	$	(3,692)	$	698	$	54,680


(in thousands)	Beginning Balance		Provision (Release of Provision) for Credit Losses		Charge-Offs		Recoveries		Ending Balance
Three Months Ended March 31, 2025










Real estate:
Residential	$	6,945	$	(614)	$	(1)	$	1	$	6,331
Commercial	16,041		1,229		—		—		17,270
Construction	2,973		288		—		—		3,261
Commercial and Industrial	16,377		(542)		(147)		—		15,688
Credit card	6,301		1,894		(2,297)		—		5,898
Other consumer	15		(9)		—		—		6
Total	$	48,652	$	2,246	$	(2,445)	$	1	$	48,454

Schedule of Past Due Loans Receivables

Past due loans, segregated by age and class of loans, as of March 31, 2026 and December 31, 2025 were as follows:


Portfolio Loans Past Due
	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Portfolio Loans		Accruing Loans 90 or More Days Past Due		Nonaccrual Loans
(in thousands)
March 31, 2026
Real estate:
Residential	$	7,510	$	4,276	$	7,402	$	19,188	$	776,317	$	795,505	$	2	$	7,400
Commercial	6,433		2,804		18,727		27,964		971,111		999,075		925		17,802
Construction	12,870		—		4,124		16,994		348,712		365,706		—		4,124
Commercial and Industrial	3,023		1,363		25,899		30,285		700,291		730,576		70		26,091
Credit card	5,890		5,442		2,708		14,040		120,749		134,789		2,708		—
Other consumer	—		—		—		—		4,779		4,779		—		—
Total	$	35,726	$	13,885	$	58,860	$	108,471	$	2,921,959	$	3,030,430	$	3,705	$	55,417



	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Portfolio Loans		Accruing Loans 90 or More Days Past Due		Nonaccrual Loans

December 31, 2025

Real estate:
Residential	$	3,886	$	573	$	8,480	$	12,939	$	752,869	$	765,808	$	740	$	7,741
Commercial	8,148		1,166		15,660		24,974		972,107		997,081		862		15,624
Construction	2,591		—		4,717		7,308		352,258		359,566		—		4,717
Commercial and Industrial	3,501		5,134		22,496		31,131		667,158		698,289		279		26,339
Credit card	7,555		6,887		2,691		17,133		125,264		142,397		2,691		—
Other consumer	—		—		—		—		1,930		1,930		—		—
Total	$	25,681	$	13,760	$	54,044	$	93,485	$	2,871,586	$	2,965,071	$	4,572	$	54,421

Schedule of Nonaccrual Loans

The following presents the nonaccrual loans as of March 31, 2026 and December 31, 2025:


	March 31, 2026
	Nonaccrual with No Allowance for Credit Loss		Nonaccrual with an Allowance for Credit Loss		Total Nonaccrual Loans
(in thousands)

Real estate:
Residential	$	6,749	$	651	$	7,400
Commercial	12,839		4,963		17,802
Construction	4,124		—		4,124
Commercial and Industrial	8,121		17,970		26,091


Total	$	31,833	$	23,584	$	55,417

	December 31, 2025
	Nonaccrual with No Allowance for Credit Loss		Nonaccrual with an Allowance for Credit Loss		Total Nonaccrual Loans


Real estate:
Residential	$	7,435	$	306	$	7,741
Commercial	10,159		5,465		15,624
Construction	4,717		—		4,717
Commercial and Industrial	6,907		19,432		26,339
Total	$	29,218	$	25,203	$	54,421


Collateral dependent loans amortized cost
(in thousands)	March 31, 2026		December 31, 2025
Real estate:
Residential	$	7,013	$	6,449
Commercial	17,592		15,653
Construction	3,084		5,079
Commercial and Industrial	17,038		18,605

Total	$	44,727	$	45,786

Schedule of Loan Modifications to Borrowers Experiencing Financial Difficulty

The Company made nine loan modifications on loans to borrowers experiencing financial difficulty during the three months ended March 31, 2026 as follows:


Modifications
(in thousands)	Amortized Cost Basis		% of Total Loan Type		Financial Effect
Real estate:


Commercial	1,847		0.185	%	Restructured payment terms for 8 months on two loans, after which payments resume on a fully amortizing principal and interest basis for the remaining term.
Commercial and Industrial	1,729		0.237	%	For one loan, restructured payment terms for 8 months, after which payments resume on a fully amortizing principal and interest basis for the remaining term. For one loan, a payment deferral of 6 months followed by modified payments for 15 months, after which payments resume on a fully amortizing principal and interest basis for the remaining term. For two loans, a payment deferral of 3 months and subsequent 4 months interest-only payment period, followed by a return to fully amortizing principal and interest payments under original contractual terms. For one loan, a payment deferral of 4 months and reduced contractual floating interest rate based on Prime to 7.000% fixed rate for 6 months. For one loan, a payment deferral of 6 months. For one loan, a payment deferral of 7 months.

Total	$	3,576

Schedule of Financing Receivable Modified Past Due

The following table presents the payment status of loans that have been modified in the last twelve months:


	March 31, 2026
			Past Due		Past Due
(in thousands)	Current		30-89 Days		90 Days or More		Nonaccrual		Total
Real estate:


Commercial	$	—	$	374	$	—	$	1,847	$	2,221
Commercial and Industrial	919		321		—		2,342		3,582
	$	919	$	695	$	—	$	4,189	$	5,803

Schedule of Loans Receivables Credit Quality Indicators

The following table presents the balances of classified loans based on the most recent credit quality indicator analysis. Classified loans include Special Mention, Substandard and Doubtful loans. Pass classified loans include loans graded exceptional, very good, good, satisfactory, and pass/watch. Credit card loans are ungraded as they are not individually graded. Charge-offs presented represent gross charge-offs recognized in the current period:


March 31, 2026	Term Loans by Origination Year
(in thousands)	2026		2025		2024		2023		2022		Prior		Revolving		Total
Residential – Real estate
Pass	$	84,225	$	186,295	$	107,158	$	98,719	$	101,185	$	200,898	$	—	$	778,480
Special Mention	—		—		—		1,985		1,871		4,812		—		8,668
Substandard	1,628		—		—		—		132		6,597		—		8,357
Doubtful	—		—		—		—		—		—		—		—
Total	85,853		186,295		107,158		100,704		103,188		212,307		—		795,505
Commercial – Real estate
Pass	16,428		204,593		204,171		51,116		124,398		331,132		—		931,838
Special Mention	—		—		—		2,300		39,832		7,590		—		49,722
Substandard	—		—		86		5,907		5,911		5,611		—		17,515
Doubtful	—		—		—		—		—		—		—		—
Total	16,428		204,593		204,257		59,323		170,141		344,333		—		999,075
Construction – Real estate
Pass	24,315		114,241		73,666		71,686		40,366		23,728		—		348,002
Special Mention	—		—		—		1,000		—		725		—		1,725
Substandard	—		—		5,946		3,967		2,197		3,869		—		15,979
Doubtful	—		—		—		—		—		—		—		—
Total	24,315		114,241		79,612		76,653		42,563		28,322		—		365,706
Commercial and Industrial
Pass	76,967		177,595		142,680		94,043		85,697		122,473		—		699,455
Special Mention	—		—		—		—		—		219		—		219
Substandard	—		1,570		762		14,505		992		12,134		—		29,963
Doubtful	—		—		—		11		928		—		—		939
Total	76,967		179,165		143,442		108,559		87,617		134,826		—		730,576
Other consumer
Pass	3,312		336		949		—		39		143		—		4,779
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Total	3,312		336		949		—		39		143		—		4,779
Credit card
Ungraded	—		—		—		—		—		—		134,789		134,789
Portfolio loans receivable, gross	$	206,875	$	684,630	$	535,418	$	345,239	$	403,548	$	719,931	$	134,789	$	3,030,430


March 31, 2026
(in thousands)	2026		2025		2024		2023		2022		Prior		Revolving		Total
Gross Charge-Offs
Residential real estate	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate	—		—		—		—		—		—		—		—
Construction	—		—		—		—		27		—		—		27
Commercial and Industrial	—		—		—		70		454		38		—		562
Credit card	—		—		—		—		—		—		3,103		3,103
Total	$	—	$	—	$	—	$	70	$	481	$	38	$	3,103	$	3,692


December 31, 2025	Term Loans by Origination Year
(in thousands)	2025		2024		2023		2022		2021		Prior		Revolving		Total
Residential – Real estate
Pass	$	217,066	$	110,098	$	99,956	$	101,423	$	68,092	$	153,724	$	—	$	750,359
Special Mention	—		—		1,992		1,882		1,236		3,567		—		8,677
Substandard	—		287		—		132		792		5,561		—		6,772
Doubtful	—		—		—		—		—		—		—		—
Total	217,066		110,385		101,948		103,437		70,120		162,852		—		765,808
Commercial – Real estate
Pass	197,639		206,587		56,303		126,746		125,612		218,736		—		931,623
Special Mention	—		—		2,300		39,276		4,933		2,820		—		49,329
Substandard	—		86		5,957		5,860		1,744		2,482		—		16,129
Doubtful	—		—		—		—		—		—		—		—
Total	197,639		206,673		64,560		171,882		132,289		224,038		—		997,081
Construction – Real estate
Pass	110,320		94,973		77,852		41,729		7,198		18,856		—		350,928
Special Mention	—		—		1,000		—		724		—		—		1,724
Substandard	—		—		255		2,197		1,536		2,926		—		6,914
Doubtful	—		—		—		—		—		—		—		—
Total	110,320		94,973		79,107		43,926		9,458		21,782		—		359,566
Commercial and Industrial
Pass	210,890		146,107		94,365		91,066		30,540		95,813		—		668,781
Special Mention	—		—		—		320		—		221		—		541
Substandard	—		892		14,941		2,414		5,401		5,319		—		28,967
Doubtful	—		—		—		—		—		—		—		—
Total	210,890		146,999		109,306		93,800		35,941		101,353		—		698,289
Other consumer
Pass	760		963		—		46		40		121		—		1,930
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Total	760		963		—		46		40		121		—		1,930
Credit card
Ungraded	—		—		—		—		—		—		142,397		142,397
Portfolio loans receivable, gross	$	736,675	$	559,993	$	354,921	$	413,091	$	247,848	$	510,146	$	142,397	$	2,965,071


December 31, 2025
(in thousands)	2025		2024		2023		2022		2021		Prior		Revolving		Total
Gross Charge-Offs
Residential real estate	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate	—		—		—		197		—		1,695		—		1,892
Construction	—		—		—		—		—		264		—		264
Commercial and Industrial	—		101		2,339		347		8		625		—		3,420
Credit card	—		—		—		—		—		—		9,036		9,036
Total	$	—	$	101	$	2,339	$	544	$	8	$	2,584	$	9,036	$	14,612

Schedule of Outstanding Loan Commitments

Outstanding loan commitments were as follows:


(in thousands)	March 31, 2026		December 31, 2025
Unused lines of credit
Real Estate:
Residential	$	19,269	$	22,858
Residential - Home Equity	40,008		41,864
Commercial	37,709		69,887
Construction	110,662		91,203
Commercial and Industrial	113,591		90,990
Credit card(1)	153,487		138,632
Other consumer	234		232
Total	$	474,960	$	455,666



Letters of credit	$	1,633	$	1,633

_______________

(1)Outstanding loan commitments in the credit card portfolio include $59.0 million and $95.9 million in secured and partially secured balances as of March 31, 2026 and December 31, 2025, respectively.

Schedule of Credit Losses for Financing Receivables

Activity for this account is as follows for the periods presented:


	Three months ended
(in thousands)	March 31, 2026		March 31, 2025
Balance at beginning of period	$	1,379	$	1,191

Provision for credit losses on unfunded commitments	205		—


Balance at end of period	$	1,584	$	1,191

Activity in this reserve is as follows for the periods presented:


	Three months ended
(in thousands)	March 31, 2026		March 31, 2025
Balance at beginning of period	$	2,339	$	2,260
Provision for mortgage loan put-back reserve	16		16


Balance at end of period	$	2,355	$	2,276

Portfolio Loans Receivable and Allowance for Credit Losses - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 54,660	$ 48,652	$ 48,652
Provision (Release of Provision) for Credit Losses	3,014	2,246
Charge-Offs	(3,692)	(2,445)	(14,612)
Recoveries	698	1
Balance at end of period	54,680	48,454	54,660
Residential
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Charge-Offs	0		0
Commercial
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Charge-Offs	0		(1,892)
Construction
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Charge-Offs	(27)		(264)
Commercial and Industrial
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	19,818	16,377	16,377
Provision (Release of Provision) for Credit Losses	684	(542)
Charge-Offs	(562)	(147)	(3,420)
Recoveries	695	0
Balance at end of period	20,635	15,688	19,818
Real estate: \| Residential
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	7,444	6,945	6,945
Provision (Release of Provision) for Credit Losses	184	(614)
Charge-Offs	0	(1)
Recoveries	0	1
Balance at end of period	7,628	6,331	7,444
Real estate: \| Commercial
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	14,917	16,041	16,041
Provision (Release of Provision) for Credit Losses	(611)	1,229
Charge-Offs	0	0
Recoveries	0	0
Balance at end of period	14,306	17,270	14,917
Real estate: \| Construction
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	4,250	2,973	2,973
Provision (Release of Provision) for Credit Losses	84	288
Charge-Offs	(27)	0
Recoveries	0	0
Balance at end of period	4,307	3,261	4,250
Credit card \| Consumer
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	8,226	6,301	6,301
Provision (Release of Provision) for Credit Losses	2,671	1,894
Charge-Offs	(3,103)	(2,297)	(9,036)
Recoveries	3	0
Balance at end of period	7,797	5,898	8,226
Other consumer \| Consumer
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	5	15	15
Provision (Release of Provision) for Credit Losses	2	(9)
Charge-Offs	0	0
Recoveries	0	0
Balance at end of period	$ 7	$ 6	$ 5

Segments - Schedule of Financial Information (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024
Segment Reporting Information [Line Items]
Cash and cash equivalents	$ 399,311	$ 255,565	$ 293,987
Goodwill	25,969	25,969	24,085	$ 21,126
Intangible assets	14,511	14,771
Other segment assets	3,368,676	3,309,902	3,016,177
Total assets	3,808,467	3,606,207	3,349,805
Other Intangible Assets
Segment Reporting Information [Line Items]
Intangible assets	14,511	14,771	15,556
Commercial Bank
Segment Reporting Information [Line Items]
Cash and cash equivalents	383,795	242,149	280,842
Goodwill	22,448	22,448	24,085
Other segment assets	3,216,485	3,141,201	2,885,702
Total assets	3,624,207	3,407,326	3,192,327
Commercial Bank \| Other Intangible Assets
Segment Reporting Information [Line Items]
Intangible assets	1,479	1,528	1,698
OpenSky™
Segment Reporting Information [Line Items]
Cash and cash equivalents	8,208	8,039	7,468
Goodwill	0	0	0
Other segment assets	127,206	132,875	112,168
Total assets	135,414	140,914	119,636
OpenSky™ \| Other Intangible Assets
Segment Reporting Information [Line Items]
Intangible assets	0	0	0
Windsor Advantage™
Segment Reporting Information [Line Items]
Cash and cash equivalents	7,308	5,377	5,677
Goodwill	3,521	3,521	0
Other segment assets	4,674	3,852	4,215
Total assets	28,535	25,993	23,750
Windsor Advantage™ \| Other Intangible Assets
Segment Reporting Information [Line Items]
Intangible assets	13,032	13,243	13,858
CBHL
Segment Reporting Information [Line Items]
Cash and cash equivalents	0	0	0
Goodwill	0	0	0
Other segment assets	20,311	31,974	14,092
Total assets	20,311	31,974	14,092
CBHL \| Other Intangible Assets
Segment Reporting Information [Line Items]
Intangible assets	$ 0	$ 0	$ 0

Leases - Narrative (Details) $ in Thousands	3 Months Ended
Leases - Narrative (Details) $ in Thousands	Mar. 31, 2026 USD ($) branch location	Dec. 31, 2025 USD ($)
Lessee, Lease, Description [Line Items]
Number of full service branches \| branch	5
Number of other locations \| location	7
Weighted average discount rate	4.70%	5.08%
Net lease asset	$ 6,760	$ 4,019
Present value of net future lease payments	$ 7,572	$ 4,572
Minimum
Lessee, Lease, Description [Line Items]
Remaining term of contract	1 year
Maximum
Lessee, Lease, Description [Line Items]
Remaining term of contract	7 years

Segments

3 Months Ended

Mar. 31, 2026

Segment Reporting [Abstract]

Segments

The Company’s reportable segments represent business units with discrete financial information whose results are regularly reviewed by management. The four segments include Commercial Banking, OpenSky™ (the Company’s credit card division), Windsor Advantage™ (the Company’s SBA/USDA loan servicing provider) and CBHL (the Company’s residential mortgage loan division).

The Company’s Commercial Banking division operates primarily in the Washington, D.C. and Baltimore metropolitan areas and focuses on providing personalized service to commercial clients throughout our area of operations supplemented by lending outside of our primary market as well as engaging in government guaranteed lending on a national basis. Additionally, the Commercial Bank engages in deposit verticals on a nationwide scale providing services to HOAs, mortgage companies and other customers.

The Company issues credit cards through OpenSky™, a digitally-driven, nationwide credit card platform providing secured, partially secured, and unsecured credit solutions, and originates residential mortgages for sale in the secondary market through CBHL, the Bank’s residential mortgage banking arm. Additionally, Windsor Advantage™, a wholly owned subsidiary of the Company, is a loan service provider that offers community banks and credit unions a comprehensive SBA 7(a) and USDA lending platform.

The Company’s reportable segments are determined by the Company’s designated chief operating decision maker, which is comprised of the Company’s Chief Executive Officer (“CEO”) and the Bank’s CEO, based upon organizational design, leadership structure and the Company’s products and services offered. The Company’s reportable segments are also distinguished by the level of information provided to the chief operating decision maker, which is used to review performance of various components of the business, which are then aggregated if operating performance, products/services, and customers are similar.

The chief operating decision maker evaluates the financial performance of the Company’s business components by evaluating revenue streams, significant expenses, and variance to the annual financial plan to assess the performance of the Company’s segments and in the determination of allocating resources and investments.

The chief operating decision maker uses revenue streams and other relevant market data to evaluate product pricing and significant expenses to assess segment performance. Segment pretax income or loss, return on assets and the efficiency ratio is used to assess the performance of the Commercial Bank segment by monitoring the margin between interest income and interest expense. Segment pretax income or loss is used to assess the performance of the CBHL segment by monitoring the mortgage banking revenue from loan originations and sales. Segment pretax income or loss is used to assess the performance of the OpenSky™ segment by monitoring credit card interest income, interchange fees, and other fees. Segment pretax income or loss is used to assess the performance of the Windsor Advantage™ segment by monitoring the service charge revenues from Windsor Advantage™ customers.

Loans, investments, and deposits and fees provide the revenues in the Commercial Bank; loan sales provide the revenues in CBHL; credit card loan interest and fees provide the revenues in OpenSky™; and service charges and ancillary fees provide the revenues in Windsor Advantage™. Interest expense, provisions for credit losses and personnel provide the significant expenses in the Commercial Bank; cost of loan sales and personnel provide the significant expenses in CBHL; data processing and personnel provide the significant expenses in OpenSky™; and personnel provide the significant expenses in Windsor Advantage™.

The Company formed Church Street Capital, LLC (“Church Street Capital” or “CSC”) in 2024 to provide short-term real estate financing to Washington, D.C. area investors and developers that may not meet all Bank credit criteria. CSC operates as a wholly owned subsidiary of Capital Bancorp, Inc. CSC originates and services a portfolio of primarily mezzanine loans with certain characteristics that do not meet Capital Bank’s general underwriting standards but command a higher rate of return. At March 31, 2026, CSC had loans totaling $5.1 million with a collectively assessed ACL of $203 thousand. Refer to

Note 4 - “Portfolio Loans Receivable and Allowance for Credit Losses” to the “Notes to Unaudited Consolidated Financial Statements” for further discussion of the consolidated ACL. The operations of CSC are included within the Commercial Bank segment performance.

Accounting policies for segments are discussed in detail in Note 1 “Nature of Business and Basis of Presentation” in the “Notes to the Consolidated Financial Statements” contained in Item 8 “Financial Statements and Supplementary Data” of the Company’s Annual Report on Form 10-K for the year ended December 31, 2025. Segment performance is evaluated using income (loss) before taxes. Indirect expenses are allocated on revenue. Transactions among segments are made at fair value.


For the Three Months Ended March 31, 2026
(in thousands)	Commercial Bank(2)(3)		OpenSky™		Windsor Advantage™		CBHL		Consolidated
Interest income	$	52,732	$	15,061	$	—	$	177	$	67,970
Interest expense	18,472		—		—		100		18,572
Net interest income	34,260		15,061		—		77		49,398
Provision for credit losses	344		2,670		—		—		3,014
Provision for credit losses on unfunded commitments	205		—		—		—		205
Net interest income after provision	33,711		12,391		—		77		46,179
Noninterest income
Service charges on deposits	403		—		—		—		403
Credit card fees	—		4,692		—		—		4,692
Mortgage banking revenue	416		—		—		1,140		1,556
Government lending revenue	923		—		—		—		923
Government loan servicing revenue(1)	(1,262)		—		5,607		—		4,345
Loan servicing rights (government guaranteed)	497		—		—		—		497
Other (loss) income	707		12		—		238		957
Total noninterest income	1,684		4,704		5,607		1,378		13,373
Noninterest expenses
Salaries and employee benefits	12,090		3,887		2,664		1,676		20,317
Occupancy and equipment	1,870		1,118		392		182		3,562
Professional fees	2,468		1,861		278		358		4,965
Data processing	545		7,107		59		56		7,767
Advertising	718		592		60		96		1,466
Loan processing	1,076		47		22		238		1,383


Operational and other card fraud related losses	65		625		—		—		690
Regulatory assessment expenses	598		215		66		62		941
Other operating	1,140		715		605		130		2,590
Total noninterest expenses	20,570		16,167		4,146		2,798		43,681
Net income (loss) before taxes	$	14,825	$	928	$	1,461	$	(1,343)	$	15,871

Total assets	$	3,624,207	$	135,414	$	28,535	$	20,311	$	3,808,467

(2) Commercial Bank’s return on assets of 1.66% for the three months ended March 31, 2026 is calculated by dividing net income before taxes by total assets.


For the Three Months Ended March 31, 2025
(in thousands)	Commercial Bank(2)(3)		OpenSky™		Windsor Advantage™		CBHL		Consolidated
Interest income	$	48,164	$	14,444	$	—	$	152	$	62,760
Interest expense	16,649		—		—		64		16,713
Net interest income	31,515		14,444		—		88		46,047
Provision for credit losses	446		1,800		—		—		2,246

Net interest income after provision	31,069		12,644		—		88		43,801
Noninterest income
Service charges on deposits	258		—		—		—		258
Credit card fees	—		3,722		—		—		3,722
Mortgage banking revenue	263		—		—		1,568		1,831
Government lending revenue	1,096		—		—		—		1,096
Government loan servicing revenue(1)	(1,038)		—		4,606		—		3,568
Loan servicing rights (government guaranteed)	472		—		—		—		472
Other income	1,423		11		—		168		1,602
Total noninterest income	2,474		3,733		4,606		1,736		12,549
Noninterest expenses
Salaries and employee benefits	10,626		3,345		2,406		1,690		18,067
Occupancy and equipment	1,577		488		711		134		2,910
Professional fees	1,151		591		120		250		2,112
Data processing	440		6,582		53		37		7,112
Advertising	718		874		104		83		1,779
Loan processing	477		19		7		240		743

Merger-related expenses	1,266		—		—		—		1,266
Operational and other card fraud related losses	31		872		—		—		903
Regulatory assessment expenses	865		15		5		4		889
Other operating	1,409		516		254		93		2,272
Total noninterest expenses	18,560		13,302		3,660		2,531		38,053
Net income (loss) before taxes	$	14,983	$	3,075	$	946	$	(707)	$	18,297

Total assets	$	3,192,327	$	119,636	$	23,750	$	14,092	$	3,349,805

(2) Commercial Bank’s return on assets of 1.90% for the three months ended March 31, 2025 is calculated by dividing net income before taxes by total assets.

The following table presents financial information as of March 31, 2026, December 31, 2025 and March 31, 2025.


March 31, 2026
(in thousands)	Commercial Bank		OpenSky™		Windsor Advantage™		CBHL		Consolidated
Cash and cash equivalents	$	383,795	$	8,208	$	7,308	$	—	$	399,311
Goodwill	22,448		—		3,521		—		25,969
Intangible assets	1,479		—		13,032		—		14,511
Other segment assets	3,216,485		127,206		4,674		20,311		3,368,676
Total assets	$	3,624,207	$	135,414	$	28,535	$	20,311	$	3,808,467

December 31, 2025
(in thousands)	Commercial Bank		OpenSky™		Windsor Advantage™		CBHL		Consolidated
Cash and cash equivalents	$	242,149	$	8,039	$	5,377	$	—	$	255,565
Goodwill	22,448		—		3,521		—		25,969
Intangible assets	1,528		—		13,243		—		14,771
Other segment assets	3,141,201		132,875		3,852		31,974		3,309,902
Total assets	$	3,407,326	$	140,914	$	25,993	$	31,974	$	3,606,207

March 31, 2025
(in thousands)	Commercial Bank		OpenSky™		Windsor Advantage™		CBHL		Consolidated
Cash and cash equivalents	$	280,842	$	7,468	$	5,677	$	—	$	293,987
Goodwill	24,085		—		—		—		24,085
Intangible assets	1,698		—		13,858		—		15,556
Other segment assets	2,885,702		112,168		4,215		14,092		3,016,177
Total assets	$	3,192,327	$	119,636	$	23,750	$	14,092	$	3,349,805

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-21

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-21

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-31

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-15

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-42

Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 48
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482785/280-10-55-48

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 270
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482964/270-10-50-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (ee)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 11: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-32

Reference 12: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 54
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482785/280-10-55-54

Reference 13: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 47
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482785/280-10-55-47

Reference 14: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 54
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482785/280-10-55-54

Reference 15: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 47
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482785/280-10-55-47

Reference 16: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 54
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482785/280-10-55-54

Reference 17: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 47
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482785/280-10-55-47

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-34

Reference 20: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26C
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26C

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26B

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 40
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-40

Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/280/tableOfContent

Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-26

Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 41
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-41

+ Details

Portfolio Loans Receivable and Allowance for Credit Losses - Schedule of Loan Modifications Past Due (Details) $ in Thousands	Mar. 31, 2026 USD ($)
Financing Receivable, Past Due [Line Items]
Total loans modified in last twelve months	$ 5,803
Nonaccrual	4,189
Current Loans
Financing Receivable, Past Due [Line Items]
Total loans modified in last twelve months	919
Past Due 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans modified in last twelve months	695
Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans modified in last twelve months	0
Commercial and Industrial
Financing Receivable, Past Due [Line Items]
Total loans modified in last twelve months	3,582
Nonaccrual	2,342
Commercial and Industrial \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans modified in last twelve months	919
Commercial and Industrial \| Past Due 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans modified in last twelve months	321
Commercial and Industrial \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans modified in last twelve months	0
Real estate: \| Commercial
Financing Receivable, Past Due [Line Items]
Total loans modified in last twelve months	2,221
Nonaccrual	1,847
Real estate: \| Commercial \| Current Loans
Financing Receivable, Past Due [Line Items]
Total loans modified in last twelve months	0
Real estate: \| Commercial \| Past Due 30-89 Days
Financing Receivable, Past Due [Line Items]
Total loans modified in last twelve months	374
Real estate: \| Commercial \| Loans 90 or More Days Past Due
Financing Receivable, Past Due [Line Items]
Total loans modified in last twelve months	$ 0

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 4: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (d)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (d)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 6: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (d)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (d)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 9: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (c)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 10: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

Reference 12: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (e)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 13: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (e)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 14: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (b)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 15: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (b)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 16: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 12
-Subparagraph (b)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-12

Reference 17: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-80

+ Details

Fair Value - Fair Value Measurements, Nonrecurring (Details) - Fair Value, Measurements, Nonrecurring - Level 3 - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Level 3 inputs	$ 42,036	$ 42,945
Foreclosed real estate	3,856	3,856
Total	$ 45,892	$ 46,801

Goodwill and Intangible Assets - Schedule of Acquired Intangible Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	$ 16,079	$ 16,079
Accumulated Amortization	(1,568)	(1,308)
Net Carrying Amount	14,511	14,771
Customer list intangible
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	12,200	12,200
Accumulated Amortization	(1,055)	(879)
Net Carrying Amount	11,145	11,321
Trade name intangible
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	2,100	2,100
Accumulated Amortization	(210)	(175)
Net Carrying Amount	1,890	1,925
Core deposits intangible
Finite-Lived Intangible Assets, Net [Abstract]
Gross Carrying Amount	1,779	1,779
Accumulated Amortization	(303)	(254)
Net Carrying Amount	$ 1,476	$ 1,525

Fair Value - Loans Held For Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	$ 13,739	$ 25,828
Aggregate fair value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	13,739	25,828
Contractual principal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	13,380	25,332
Difference
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	$ 359	$ 496

- Definition

Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 28
-Subparagraph (c)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-28

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

+ Details

Leases - Schedule of Minimum Payments for Operating Leases (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Amounts due in:
2026	$ 1,412
2027	1,811
2028	1,661
2029	1,652
2030	1,399
2031 and thereafter	777
Total future lease payments	8,712
Discount of cash flows	(1,140)
Present value of net future lease payments	$ 7,572	$ 4,572

Fair Value

3 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

Fair Value

Note 8 - Fair Value

Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:

Level 1 - Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. This includes certain U.S. Treasury and other U.S. Government and government agency securities actively traded in over-the-counter markets.

Level 2 - Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

Level 3 - Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

The Company used the following methods and significant assumptions to estimate fair value on a recurring basis:

Investment securities available-for-sale - The fair values for investment securities available-for-sale are provided by an independent pricing service and are determined by quoted market prices, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2), using matrix pricing. Matrix pricing, which is a mathematical technique commonly used to price debt securities that are not actively traded, values debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2 inputs). For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3).

Loans held for sale - The fair value of loans held for sale is determined using quoted prices for similar assets, adjusted for specific attributes of that loan (Level 2).

Loan servicing assets - The fair values of loan servicing assets are determined at a tranche level, based on market prices for comparable servicing contracts (Level 2), when available, or alternatively based on a valuation model that calculates the present value of estimated future net servicing income. The valuation model utilizes interest rate, prepayment speed, and default rate assumptions that market participants would use in estimating future net servicing income and that can be validated against available market data (Level 2).

Derivative financial instruments - The fair value of derivatives are based on valuation models using observable market data as of the measurement date (Level 2). Our derivatives are traded in an over-the-counter market where quoted market prices are not always available. Therefore, the fair values of derivatives are determined using quantitative models that utilize multiple market inputs. The inputs will vary based on the type of derivative, but could include interest rates, prices and indices to generate continuous yield or pricing curves, prepayment rates, and volatility factors to value the position. The majority of market inputs are actively quoted and can be validated through external sources, including brokers, market transactions and third-party pricing services. See Note 5 - Derivative Financial Instruments for additional information on derivatives.

The Company has categorized its financial instruments measured at fair value on a recurring basis as of March 31, 2026 and December 31, 2025 as follows:


(in thousands)
March 31, 2026	Total		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)
Investment securities available-for-sale
U.S. Treasuries	$	140,692	$	140,692	$	—	$	—

Municipal	13,800		—		13,800		—
Corporate	3,407		—		3,407		—
Asset-backed securities	4,841		—		4,841		—
Mortgage-backed securities	67,785		—		67,785		—
Total	$	230,525	$	140,692	$	89,833	$	—

Loans held for sale	$	13,739	$	—	$	13,739	$	—
Loan servicing assets	$	1,957	$	—	$	1,957	$	—
Derivative assets	$	6,265	$	—	$	6,265	$	—
Derivative liabilities	$	147	$	—	$	147	$	—

December 31, 2025
Investment securities available-for-sale
U.S. Treasuries	$	137,236	$	137,236	$	—	$	—

Municipal	13,897		—		13,897		—
Corporate	3,404		—		3,404		—
Asset-backed securities	5,026		—		5,026		—
Mortgage-backed securities	70,520		—		70,520		—
Total	$	230,083	$	137,236	$	92,847	$	—

Loans held for sale	$	25,828	$	—	$	25,828	$	—
Loan servicing assets	$	1,816	$	—	$	1,816	$	—
Derivative assets	$	5,941	$	—	$	5,941	$	—
Derivative liabilities	$	30	$	—	$	30	$	—

Financial instruments recorded using FASB ASC 825-10

Under FASB ASC 825-10, the Company may elect to report most financial instruments and certain other items at fair value on an instrument-by-instrument basis with changes in fair value reported in net income. After the initial adoption, the election is made at the acquisition of an eligible financial asset, financial liability or firm commitment or when certain specified reconsideration events occur. The fair value election, with respect to an item, may not be revoked once an election is made.

The following table reflects the difference between the fair value carrying amount of loans held for sale, measured at fair value under FASB ASC 825-10, and the aggregate unpaid principal amount the

Company is contractually entitled to receive at maturity:


Fair Value of Loans Held for Sale
(in thousands)	March 31, 2026		December 31, 2025
Aggregate fair value	$	13,739	$	25,828
Contractual principal	13,380		25,332
Difference	$	359	$	496

The Company has elected to account for loans held for sale at fair value to eliminate the mismatch that would occur by recording changes in market value on derivative instruments used to hedge loans held for sale while carrying the loans at the lower of cost or market. As of March 31, 2026 and December 31, 2025, there were no held for sale loans which were classified as nonaccrual.

Fair value measurements on a nonrecurring basis

Individually evaluated loans - The Company has measured expected credit losses based on the fair value of the loan's collateral and discounted cash flow analysis, where appropriate. Fair value of the collateral is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the expected proceeds. These assets are included as Level 3 fair values. As of March 31, 2026 and December 31, 2025, the fair values consist of loan balances of $52.0 million and $52.1 million, with specific reserves of $10.0 million and $10.1 million, respectively.

Foreclosed real estate - The Company's foreclosed real estate is measured at fair value less cost to sell. Fair value is determined based on offers and/or appraisals. Cost to sell the real estate is based on standard market factors. The Company categorizes its foreclosed real estate as Level 3. As of March 31, 2026, the Company held $3.9 million of foreclosed real estate, which rolls up into Other assets on the consolidated balance sheet. As of December 31, 2025, there was $3.9 million of foreclosed real estate held by the Company.

The Company has categorized its financial instruments measured at fair value on a nonrecurring basis as of March 31, 2026 and December 31, 2025 as follows:



(in thousands)	March 31, 2026		December 31, 2025
Individually evaluated loans


Level 3 inputs	$	42,036	$	42,945

Foreclosed real estate
Level 3 inputs	3,856		3,856

Total	$	45,892	$	46,801

The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at March 31, 2026 and December 31, 2025:

Unobservable Inputs

Valuation Technique

Unobservable Inputs

Range of Inputs

March 31, 2026

Individually evaluated loans

Appraised Value/Discounted Cash Flows

Discounts to appraisals or cash flows for estimated holding and/or selling costs

0 to 30% 1

Foreclosed real estate

Appraised Value

Discounts to appraisals for estimated holding and/or selling costs

0 to 30%

December 31, 2025

Valuation Technique

Unobservable Inputs

Range of Inputs

Individually evaluated loans

Appraised Value/Discounted Cash Flows

Discounts to appraisals or cash flows for estimated holding and/or selling costs

0 to 30% 1

Foreclosed Real Estate

Appraised Value

Discounts to appraisals for estimated holding and/or selling costs

0 to 30%

(1)A discount rate of 63.4% was used for the acquired PCD loan that was evaluated as a measurement period adjustment during 2025 to the Day-1 purchase accounting. All other individually evaluated loans used a range of 0 to 30%.

Fair value of financial instruments

Fair value information about financial instruments, whether or not recognized in the balance sheet, for which it is practical to estimate the value is based upon the characteristics of the instruments and relevant market information. Financial instruments include cash, evidence of ownership in an entity, or contracts that convey or impose on an entity the contractual right or obligation to either receive or deliver cash for another financial instrument.

The information used to determine fair value is highly subjective in nature and, therefore, the results are imprecise. Subjective factors include, among other things, estimates of cash flows, risk characteristics, credit quality, and interest rates, all of which are subject to change. Since the fair value is estimated as of the balance sheet date, the amounts that will actually be realized or paid upon settlement or maturity on these various instruments could be significantly different.

As of March 31, 2026, the techniques used by the Company to estimate the exit price of the loan portfolio consists of similar procedures to those used as of December 31, 2025. The fair value of the Company’s loan portfolio includes a credit risk assumption in the determination of the fair value of its loans. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The Company’s loan portfolio is initially fair valued using a segmented approach. The Company divides its loan portfolio into the following categories: variable rate loans, individually evaluated loans, and all other loans. The results are then adjusted to account for credit risk as described above, and a further credit risk discount is applied through the use of a discounted cash flow model to compensate for illiquidity risk, based on certain assumptions included within the discounted cash flow model, primarily the use of discount rates that better capture inherent credit risk over the lifetime of a loan.

For variable-rate loans that reprice frequently and have no significant change in credit risk, fair values approximate carrying values. Fair values for individually evaluated loans are estimated using discounted cash flow models or based on the fair value of the underlying collateral.

The fair value of cash and cash equivalents and investments in restricted stocks is the carrying amount. Restricted investments includes equity of the Federal Reserve and other banker’s banks.

The fair value of noninterest-bearing deposits and securities sold under agreements to repurchase is the carrying amount.

The fair value of checking, savings, and money market deposits is the amount payable on demand at the reporting date. Fair value of fixed maturity term accounts and individual retirement accounts is estimated using rates currently offered for accounts of similar remaining maturities.

The fair value of borrowings is estimated by discounting the value of contractual cash flows using current market rates for borrowings with similar terms and remaining maturities.

The fair value of outstanding loan commitments, unused lines of credit, and letters of credit are not included in the table since the carrying value generally approximates fair value. These instruments generate fees that approximate those currently charged to originate similar commitments.

The table below presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments.


	March 31, 2026				December 31, 2025
(in thousands)	Carrying Amount		Fair Value		Carrying Amount		Fair Value
Financial assets
Level 1
Cash and due from banks	$	20,182	$	20,182	$	30,894	$	30,894
Interest-bearing deposits at other financial institutions	379,069		379,069		224,611		224,611

Federal funds sold	60		60		60		60
Level 2
Accrued interest receivable	$	16,795	$	16,795	$	16,695	$	16,695
Level 3

Portfolio loans receivable, net	$	2,971,751	$	2,917,829	$	2,904,797	$	2,853,268

Restricted investments	8,691		8,691		8,397		8,397
Foreclosed real estate	3,856		3,856		3,856		3,856

Financial liabilities
Level 1
Noninterest-bearing deposits	$	871,677	$	871,677	$	852,741	$	852,741

Level 2
Accrued interest payable	$	8,944	$	8,944	$	8,745	$	8,745
Level 3
Interest-bearing deposits	$	2,420,370	$	2,422,306	$	2,240,459	$	2,243,002
FHLB advances and other borrowed funds	52,062		52,135		52,062		51,937

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 107
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-107

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 940
-SubTopic 820
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

Cover Page - shares	3 Months Ended
Cover Page - shares	Mar. 31, 2026	May 06, 2026
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2026
Document Transition Report	false
Entity File Number	001-38671
Entity Registrant Name	CAPITAL BANCORP INC
Entity Incorporation, State or Country Code	MD
Entity Tax Identification Number	52-2083046
Entity Address, Address Line One	2275 Research Boulevard
Entity Address, Address Line Two	Suite 600
Entity Address, City or Town	Rockville
Entity Address, State or Province	MD
Entity Address, Postal Zip Code	20850
City Area Code	301
Local Phone Number	468-8848
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	CBNK
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		16,288,055
Amendment Flag	false
Document Fiscal Year Focus	2026
Document Fiscal Period Focus	Q1
Entity Central Index Key	0001419536
Current Fiscal Year End Date	--12-31

Derivative Financial Instruments - Schedule of Net Gains (Losses) Related to Derivative Instruments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Derivative Instruments, Gain (Loss) [Line Items]
Total	$ 207	$ 480
Mortgage origination commitments
Derivative Instruments, Gain (Loss) [Line Items]
Total	343	444
Open forward delivery sales agreements (hedge MTM)
Derivative Instruments, Gain (Loss) [Line Items]
Total	60	(56)
Open forward delivery sales agreements (pipeline hedge)
Derivative Instruments, Gain (Loss) [Line Items]
Total	(72)	28
Open mandatory delivery commitments
Derivative Instruments, Gain (Loss) [Line Items]
Total	$ (124)	$ 64

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4C
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 182
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480401/815-10-55-182

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (a)(5)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (a)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4A
-Subparagraph (b)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (a)(6)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4A
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4C
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4CCC
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4CCC

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4CCC
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4CCC

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4CCC
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4CCC

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4CC
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4CC

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4C
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4C
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4C
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4C
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 20: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4C
-Subparagraph (bb)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4C

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4D

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4E

+ Details

Subsequent Events	3 Months Ended
Subsequent Events	Mar. 31, 2026
Subsequent Events [Abstract]
Subsequent Events	Note 11 - Subsequent Events In April 2026, the Company’s Board of Directors declared a $0.12 per share dividend payable on May 27, 2026 to shareholders of record on May 11, 2026.

Leases - Schedule of Lease Information (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Leases [Abstract]
Lease asset	$ 10,152	$ 6,978
Less: Accumulated amortization	(3,392)	(2,959)
Net lease asset	6,760	4,019
Lease liability	10,586	7,326
Less: Accumulated amortization	(3,014)	(2,754)
Net lease liability	$ 7,572	$ 4,572
Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities

Loan Servicing (Tables)

3 Months Ended

Mar. 31, 2026

Transfers and Servicing [Abstract]

Schedule of Activity for Loan Servicing Rights and the related Valuation Allowance

Activity for loan servicing rights is as follows for the periods presented:


Loan servicing rights:
(in thousands)	March 31, 2026		December 31, 2025
Balance at beginning of period	$	1,816	$	5,511
Additions	185		182
Measurement period adjustments	—		(2,107)
Other changes in fair value	(44)		(1,770)
Balance at end of period	$	1,957	$	1,816

Portfolio Loans Receivable and Allowance for Credit Losses - Schedule of Nonaccrual Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financing Receivable, Past Due [Line Items]
Nonaccrual with No Allowance for Credit Loss	$ 31,833	$ 29,218
Nonaccrual with an Allowance for Credit Loss	23,584	25,203
Total Nonaccrual Loans	55,417	54,421
Collateral dependent loans amortized cost	44,727	45,786
Commercial and Industrial
Financing Receivable, Past Due [Line Items]
Nonaccrual with No Allowance for Credit Loss	8,121	6,907
Nonaccrual with an Allowance for Credit Loss	17,970	19,432
Total Nonaccrual Loans	26,091	26,339
Collateral dependent loans amortized cost	17,038	18,605
Real estate: \| Residential
Financing Receivable, Past Due [Line Items]
Nonaccrual with No Allowance for Credit Loss	6,749	7,435
Nonaccrual with an Allowance for Credit Loss	651	306
Total Nonaccrual Loans	7,400	7,741
Collateral dependent loans amortized cost	7,013	6,449
Real estate: \| Commercial
Financing Receivable, Past Due [Line Items]
Nonaccrual with No Allowance for Credit Loss	12,839	10,159
Nonaccrual with an Allowance for Credit Loss	4,963	5,465
Total Nonaccrual Loans	17,802	15,624
Collateral dependent loans amortized cost	17,592	15,653
Real estate: \| Construction
Financing Receivable, Past Due [Line Items]
Nonaccrual with No Allowance for Credit Loss	4,124	4,717
Nonaccrual with an Allowance for Credit Loss	0	0
Total Nonaccrual Loans	4,124	4,717
Collateral dependent loans amortized cost	$ 3,084	$ 5,079

Portfolio Loans Receivable and Allowance for Credit Losses - Credit Quality Indicators (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2026	Mar. 31, 2025	Dec. 31, 2025
Term Loans by Origination Year
Year one	$ 206,875		$ 736,675
Year two	684,630		559,993
Year three	535,418		354,921
Year four	345,239		413,091
Year five	403,548		247,848
Prior	719,931		510,146
Revolving	134,789		142,397
Total	3,030,430		2,965,071
Gross Charge-Offs
Year one	0		0
Year two	0		101
Year three	0		2,339
Year four	70		544
Year five	481		8
Prior	38		2,584
Revolving	3,103		9,036
Total	3,692	$ 2,445	14,612
Residential
Gross Charge-Offs
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Year five	0		0
Prior	0		0
Revolving	0		0
Total	0		0
Commercial
Gross Charge-Offs
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		197
Year five	0		0
Prior	0		1,695
Revolving	0		0
Total	0		1,892
Construction
Gross Charge-Offs
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Year five	27		0
Prior	0		264
Revolving	0		0
Total	27		264
Commercial and Industrial
Term Loans by Origination Year
Year one	76,967		210,890
Year two	179,165		146,999
Year three	143,442		109,306
Year four	108,559		93,800
Year five	87,617		35,941
Prior	134,826		101,353
Revolving	0		0
Total	730,576		698,289
Gross Charge-Offs
Year one	0		0
Year two	0		101
Year three	0		2,339
Year four	70		347
Year five	454		8
Prior	38		625
Revolving	0		0
Total	562	147	3,420
Commercial and Industrial \| Pass
Term Loans by Origination Year
Year one	76,967		210,890
Year two	177,595		146,107
Year three	142,680		94,365
Year four	94,043		91,066
Year five	85,697		30,540
Prior	122,473		95,813
Revolving	0		0
Total	699,455		668,781
Commercial and Industrial \| Special Mention
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		320
Year five	0		0
Prior	219		221
Revolving	0		0
Total	219		541
Commercial and Industrial \| Substandard
Term Loans by Origination Year
Year one	0		0
Year two	1,570		892
Year three	762		14,941
Year four	14,505		2,414
Year five	992		5,401
Prior	12,134		5,319
Revolving	0		0
Total	29,963		28,967
Commercial and Industrial \| Doubtful
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	0		0
Year four	11		0
Year five	928		0
Prior	0		0
Revolving	0		0
Total	939		0
Real estate: \| Residential
Term Loans by Origination Year
Year one	85,853		217,066
Year two	186,295		110,385
Year three	107,158		101,948
Year four	100,704		103,437
Year five	103,188		70,120
Prior	212,307		162,852
Revolving	0		0
Total	795,505		765,808
Gross Charge-Offs
Total	0	1
Real estate: \| Residential \| Pass
Term Loans by Origination Year
Year one	84,225		217,066
Year two	186,295		110,098
Year three	107,158		99,956
Year four	98,719		101,423
Year five	101,185		68,092
Prior	200,898		153,724
Revolving	0		0
Total	778,480		750,359
Real estate: \| Residential \| Special Mention
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	0		1,992
Year four	1,985		1,882
Year five	1,871		1,236
Prior	4,812		3,567
Revolving	0		0
Total	8,668		8,677
Real estate: \| Residential \| Substandard
Term Loans by Origination Year
Year one	1,628		0
Year two	0		287
Year three	0		0
Year four	0		132
Year five	132		792
Prior	6,597		5,561
Revolving	0		0
Total	8,357		6,772
Real estate: \| Residential \| Doubtful
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Year five	0		0
Prior	0		0
Revolving	0		0
Total	0		0
Real estate: \| Commercial
Term Loans by Origination Year
Year one	16,428		197,639
Year two	204,593		206,673
Year three	204,257		64,560
Year four	59,323		171,882
Year five	170,141		132,289
Prior	344,333		224,038
Revolving	0		0
Total	999,075		997,081
Gross Charge-Offs
Total	0	0
Real estate: \| Commercial \| Pass
Term Loans by Origination Year
Year one	16,428		197,639
Year two	204,593		206,587
Year three	204,171		56,303
Year four	51,116		126,746
Year five	124,398		125,612
Prior	331,132		218,736
Revolving	0		0
Total	931,838		931,623
Real estate: \| Commercial \| Special Mention
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	0		2,300
Year four	2,300		39,276
Year five	39,832		4,933
Prior	7,590		2,820
Revolving	0		0
Total	49,722		49,329
Real estate: \| Commercial \| Substandard
Term Loans by Origination Year
Year one	0		0
Year two	0		86
Year three	86		5,957
Year four	5,907		5,860
Year five	5,911		1,744
Prior	5,611		2,482
Revolving	0		0
Total	17,515		16,129
Real estate: \| Commercial \| Doubtful
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Year five	0		0
Prior	0		0
Revolving	0		0
Total	0		0
Real estate: \| Construction
Term Loans by Origination Year
Year one	24,315		110,320
Year two	114,241		94,973
Year three	79,612		79,107
Year four	76,653		43,926
Year five	42,563		9,458
Prior	28,322		21,782
Revolving	0		0
Total	365,706		359,566
Gross Charge-Offs
Total	27	0
Real estate: \| Construction \| Pass
Term Loans by Origination Year
Year one	24,315		110,320
Year two	114,241		94,973
Year three	73,666		77,852
Year four	71,686		41,729
Year five	40,366		7,198
Prior	23,728		18,856
Revolving	0		0
Total	348,002		350,928
Real estate: \| Construction \| Special Mention
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	0		1,000
Year four	1,000		0
Year five	0		724
Prior	725		0
Revolving	0		0
Total	1,725		1,724
Real estate: \| Construction \| Substandard
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	5,946		255
Year four	3,967		2,197
Year five	2,197		1,536
Prior	3,869		2,926
Revolving	0		0
Total	15,979		6,914
Real estate: \| Construction \| Doubtful
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Year five	0		0
Prior	0		0
Revolving	0		0
Total	0		0
Other consumer \| Consumer
Term Loans by Origination Year
Year one	3,312		760
Year two	336		963
Year three	949		0
Year four	0		46
Year five	39		40
Prior	143		121
Revolving	0		0
Total	4,779		1,930
Gross Charge-Offs
Total	0	0
Other consumer \| Consumer \| Pass
Term Loans by Origination Year
Year one	3,312		760
Year two	336		963
Year three	949		0
Year four	0		46
Year five	39		40
Prior	143		121
Revolving	0		0
Total	4,779		1,930
Other consumer \| Consumer \| Special Mention
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Year five	0		0
Prior	0		0
Revolving	0		0
Total	0		0
Other consumer \| Consumer \| Substandard
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Year five	0		0
Prior	0		0
Revolving	0		0
Total	0		0
Other consumer \| Consumer \| Doubtful
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Year five	0		0
Prior	0		0
Revolving	0		0
Total	0		0
Credit card \| Consumer
Term Loans by Origination Year
Total	134,789		142,397
Gross Charge-Offs
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Year five	0		0
Prior	0		0
Revolving	3,103		9,036
Total	3,103	$ 2,297	9,036
Credit card \| Consumer \| Ungraded
Term Loans by Origination Year
Year one	0		0
Year two	0		0
Year three	0		0
Year four	0		0
Year five	0		0
Prior	0		0
Revolving	134,789		142,397
Total	$ 134,789		$ 142,397

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Mar. 31, 2026
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Nature of Business and Basis of Presentation (Details)	3 Months Ended
Nature of Business and Basis of Presentation (Details)	Mar. 31, 2026 property segment
Accounting Policies [Line Items]
Number of reportable segments \| segment	4
Commercial Bank Branch
Accounting Policies [Line Items]
Number of bank offices and branches	7
Mortgage Banking Office
Accounting Policies [Line Items]
Number of bank offices and branches	1
Loan Production Office
Accounting Policies [Line Items]
Number of bank offices and branches	3
Government Loan Servicing Office
Accounting Policies [Line Items]
Number of bank offices and branches	3
Credit Card Operations Office
Accounting Policies [Line Items]
Number of bank offices and branches	1

Portfolio Loans Receivable and Allowance for Credit Losses

3 Months Ended

Mar. 31, 2026

Receivables [Abstract]

Portfolio Loans Receivable and Allowance for Credit Losses

Note 4 - Portfolio Loans Receivable and Allowance for Credit Losses

The following is a summary of the major categories of total loans outstanding:



	March 31, 2026				December 31, 2025
(in thousands)	Amount		Percent		Amount		Percent
Real estate:
Residential	$	795,505	26	%	$	765,808	26	%
Commercial	999,075		33		997,081		34
Construction	365,706		12		359,566		12
Commercial and Industrial	730,576		24		698,289		23
Credit card, net of reserve(1)	134,789		5		142,397		5
Other consumer	4,779		—		1,930		—
Portfolio loans receivable, gross	3,030,430		100	%	2,965,071		100	%
Deferred origination fees, net	(3,999)				(5,614)
Allowance for credit losses	(54,680)				(54,660)
Portfolio loans receivable, net	$	2,971,751			$	2,904,797

_____________

(1) Credit card loans are presented net of reserve for interest and fees.

The following tables set forth the changes in the ACL by loan segment class for the three months ended March 31, 2026 and March 31, 2025.


(in thousands)	Beginning Balance		Provision (Release of Provision) for Credit Losses		Charge-Offs		Recoveries		Ending Balance
Three Months Ended March 31, 2026
Real estate:
Residential	$	7,444	$	184	$	—	$	—	$	7,628
Commercial	14,917		(611)		—		—		14,306
Construction	4,250		84		(27)		—		4,307
Commercial and Industrial	19,818		684		(562)		695		20,635
Credit card	8,226		2,671		(3,103)		3		7,797
Other consumer	5		2		—		—		7
Total	$	54,660	$	3,014	$	(3,692)	$	698	$	54,680


(in thousands)	Beginning Balance		Provision (Release of Provision) for Credit Losses		Charge-Offs		Recoveries		Ending Balance
Three Months Ended March 31, 2025










Real estate:
Residential	$	6,945	$	(614)	$	(1)	$	1	$	6,331
Commercial	16,041		1,229		—		—		17,270
Construction	2,973		288		—		—		3,261
Commercial and Industrial	16,377		(542)		(147)		—		15,688
Credit card	6,301		1,894		(2,297)		—		5,898
Other consumer	15		(9)		—		—		6
Total	$	48,652	$	2,246	$	(2,445)	$	1	$	48,454

Past due loans, segregated by age and class of loans, as of March 31, 2026 and December 31, 2025 were as follows:


Portfolio Loans Past Due
	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Portfolio Loans		Accruing Loans 90 or More Days Past Due		Nonaccrual Loans
(in thousands)
March 31, 2026
Real estate:
Residential	$	7,510	$	4,276	$	7,402	$	19,188	$	776,317	$	795,505	$	2	$	7,400
Commercial	6,433		2,804		18,727		27,964		971,111		999,075		925		17,802
Construction	12,870		—		4,124		16,994		348,712		365,706		—		4,124
Commercial and Industrial	3,023		1,363		25,899		30,285		700,291		730,576		70		26,091
Credit card	5,890		5,442		2,708		14,040		120,749		134,789		2,708		—
Other consumer	—		—		—		—		4,779		4,779		—		—
Total	$	35,726	$	13,885	$	58,860	$	108,471	$	2,921,959	$	3,030,430	$	3,705	$	55,417



	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Past Due Loans		Current Loans		Total Portfolio Loans		Accruing Loans 90 or More Days Past Due		Nonaccrual Loans

December 31, 2025

Real estate:
Residential	$	3,886	$	573	$	8,480	$	12,939	$	752,869	$	765,808	$	740	$	7,741
Commercial	8,148		1,166		15,660		24,974		972,107		997,081		862		15,624
Construction	2,591		—		4,717		7,308		352,258		359,566		—		4,717
Commercial and Industrial	3,501		5,134		22,496		31,131		667,158		698,289		279		26,339
Credit card	7,555		6,887		2,691		17,133		125,264		142,397		2,691		—
Other consumer	—		—		—		—		1,930		1,930		—		—
Total	$	25,681	$	13,760	$	54,044	$	93,485	$	2,871,586	$	2,965,071	$	4,572	$	54,421

There were $5.6 million and $6.1 million of loans secured by one-to-four family residential properties in the process of foreclosure as of March 31, 2026 and December 31, 2025, respectively.

The following presents the nonaccrual loans as of March 31, 2026 and December 31, 2025:


	March 31, 2026
	Nonaccrual with No Allowance for Credit Loss		Nonaccrual with an Allowance for Credit Loss		Total Nonaccrual Loans
(in thousands)

Real estate:
Residential	$	6,749	$	651	$	7,400
Commercial	12,839		4,963		17,802
Construction	4,124		—		4,124
Commercial and Industrial	8,121		17,970		26,091


Total	$	31,833	$	23,584	$	55,417

	December 31, 2025
	Nonaccrual with No Allowance for Credit Loss		Nonaccrual with an Allowance for Credit Loss		Total Nonaccrual Loans


Real estate:
Residential	$	7,435	$	306	$	7,741
Commercial	10,159		5,465		15,624
Construction	4,717		—		4,717
Commercial and Industrial	6,907		19,432		26,339
Total	$	29,218	$	25,203	$	54,421

The Company has certain loans for which repayment is dependent upon the operation or sale of collateral, as the borrower is experiencing financial difficulty. The underlying collateral can vary based upon the type of loan. The following provides more detail about the types of collateral that secure collateral dependent loans:

•Residential real estate loans are primarily secured by owner-occupied primary residences and, to a lesser extent, investor-owned residences.

•Commercial real estate loans can be secured by either owner-occupied commercial real estate or non-owner-occupied investment commercial real estate. Typically, owner-occupied commercial real estate loans are secured by office buildings, warehouses, manufacturing facilities and other commercial and industrial properties occupied by operating companies. Non-owner-occupied commercial real estate loans are generally secured by office buildings and complexes, retail facilities, multifamily complexes, land under development and/or industrial properties, as well as other commercial or industrial real estate.

•Construction loans are typically secured by owner-occupied commercial real estate or non-owner-occupied investment real estate. Typically, owner-occupied construction loans are secured by office buildings, warehouses, manufacturing facilities, and other commercial and industrial properties that are in process of construction. Non-owner-occupied commercial construction loans are generally secured by office buildings and complexes, multi-family complexes, land under development and/or other commercial and industrial real estate in process of construction.

•Commercial and industrial loans are generally secured by equipment, inventory, accounts receivable and/or other commercial property.


Collateral dependent loans amortized cost
(in thousands)	March 31, 2026		December 31, 2025
Real estate:
Residential	$	7,013	$	6,449
Commercial	17,592		15,653
Construction	3,084		5,079
Commercial and Industrial	17,038		18,605

Total	$	44,727	$	45,786

Of the collateral dependent loans as of March 31, 2026, a specific reserve of $2 thousand, $1.2 million and $4.5 million was assessed for residential real estate, commercial real estate and commercial and industrial loans, respectively. Of the collateral dependent loans as of December 31, 2025, a specific reserve of $40 thousand, $1.3 million and $4.2 million was assessed for residential real estate, commercial real estate and commercial and industrial loans.

The Company made nine loan modifications on loans to borrowers experiencing financial difficulty during the three months ended March 31, 2026 as follows:


Modifications
(in thousands)	Amortized Cost Basis		% of Total Loan Type		Financial Effect
Real estate:


Commercial	1,847		0.185	%	Restructured payment terms for 8 months on two loans, after which payments resume on a fully amortizing principal and interest basis for the remaining term.
Commercial and Industrial	1,729		0.237	%	For one loan, restructured payment terms for 8 months, after which payments resume on a fully amortizing principal and interest basis for the remaining term. For one loan, a payment deferral of 6 months followed by modified payments for 15 months, after which payments resume on a fully amortizing principal and interest basis for the remaining term. For two loans, a payment deferral of 3 months and subsequent 4 months interest-only payment period, followed by a return to fully amortizing principal and interest payments under original contractual terms. For one loan, a payment deferral of 4 months and reduced contractual floating interest rate based on Prime to 7.000% fixed rate for 6 months. For one loan, a payment deferral of 6 months. For one loan, a payment deferral of 7 months.

Total	$	3,576

The Company made no loan modifications on loans to borrowers experiencing financial difficulty during the three months ended March 31, 2025.

The following table presents the payment status of loans that have been modified in the last twelve months:


	March 31, 2026
			Past Due		Past Due
(in thousands)	Current		30-89 Days		90 Days or More		Nonaccrual		Total
Real estate:


Commercial	$	—	$	374	$	—	$	1,847	$	2,221
Commercial and Industrial	919		321		—		2,342		3,582
	$	919	$	695	$	—	$	4,189	$	5,803

Credit quality indicators

As part of the ongoing monitoring of the credit quality of the Company’s loan portfolio, management tracks certain credit quality indicators including trends related to the risk grade of loans, the level of classified loans, net charge-offs, nonperforming loans, and general economic conditions in the Company’s market. From a credit risk standpoint, the Company utilizes a risk grading matrix to assign a risk grade to each of its loans. The classifications of loans reflect a judgment about the risk of expected credit loss associated with each loan. Credit quality indicators are reviewed and adjusted regularly to account for the degree of risk and expected credit loss that the Company believes to be appropriate for each financial asset.

A description of the general risk ratings are described as follows:

Pass

Loans characterized as pass includes loans graded exceptional, very good, good, satisfactory and pass/watch. The Company believes that there is a low likelihood of credit deterioration related to those loans that are considered pass.

Special mention

A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the Company’s credit position at some future date. Special mention loans are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification.

Borrowers may exhibit poor liquidity and leverage positions resulting from generally negative cash flow or negative trends in earnings. Access to alternative financing may be limited to finance companies for business borrowers and may be unavailable for commercial real estate borrowers.

Substandard

A substandard loan is inadequately protected by the current financial condition and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.

Borrowers may exhibit recent or unexpected unprofitable operations, an inadequate debt service coverage ratio, or marginal liquidity and capitalization. These loans require more intense supervision by Company management.

Doubtful

A doubtful loan has all the weaknesses associated with a substandard loan with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable.

Ungraded

Ungraded loans represent credit card loans not included in the individual credit grading process due to the borrower type. The credit quality indicator for credit card loans is based on the delinquency status of the borrower as of the date presented.


March 31, 2026	Term Loans by Origination Year
(in thousands)	2026		2025		2024		2023		2022		Prior		Revolving		Total
Residential – Real estate
Pass	$	84,225	$	186,295	$	107,158	$	98,719	$	101,185	$	200,898	$	—	$	778,480
Special Mention	—		—		—		1,985		1,871		4,812		—		8,668
Substandard	1,628		—		—		—		132		6,597		—		8,357
Doubtful	—		—		—		—		—		—		—		—
Total	85,853		186,295		107,158		100,704		103,188		212,307		—		795,505
Commercial – Real estate
Pass	16,428		204,593		204,171		51,116		124,398		331,132		—		931,838
Special Mention	—		—		—		2,300		39,832		7,590		—		49,722
Substandard	—		—		86		5,907		5,911		5,611		—		17,515
Doubtful	—		—		—		—		—		—		—		—
Total	16,428		204,593		204,257		59,323		170,141		344,333		—		999,075
Construction – Real estate
Pass	24,315		114,241		73,666		71,686		40,366		23,728		—		348,002
Special Mention	—		—		—		1,000		—		725		—		1,725
Substandard	—		—		5,946		3,967		2,197		3,869		—		15,979
Doubtful	—		—		—		—		—		—		—		—
Total	24,315		114,241		79,612		76,653		42,563		28,322		—		365,706
Commercial and Industrial
Pass	76,967		177,595		142,680		94,043		85,697		122,473		—		699,455
Special Mention	—		—		—		—		—		219		—		219
Substandard	—		1,570		762		14,505		992		12,134		—		29,963
Doubtful	—		—		—		11		928		—		—		939
Total	76,967		179,165		143,442		108,559		87,617		134,826		—		730,576
Other consumer
Pass	3,312		336		949		—		39		143		—		4,779
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Total	3,312		336		949		—		39		143		—		4,779
Credit card
Ungraded	—		—		—		—		—		—		134,789		134,789
Portfolio loans receivable, gross	$	206,875	$	684,630	$	535,418	$	345,239	$	403,548	$	719,931	$	134,789	$	3,030,430


March 31, 2026
(in thousands)	2026		2025		2024		2023		2022		Prior		Revolving		Total
Gross Charge-Offs
Residential real estate	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate	—		—		—		—		—		—		—		—
Construction	—		—		—		—		27		—		—		27
Commercial and Industrial	—		—		—		70		454		38		—		562
Credit card	—		—		—		—		—		—		3,103		3,103
Total	$	—	$	—	$	—	$	70	$	481	$	38	$	3,103	$	3,692


December 31, 2025	Term Loans by Origination Year
(in thousands)	2025		2024		2023		2022		2021		Prior		Revolving		Total
Residential – Real estate
Pass	$	217,066	$	110,098	$	99,956	$	101,423	$	68,092	$	153,724	$	—	$	750,359
Special Mention	—		—		1,992		1,882		1,236		3,567		—		8,677
Substandard	—		287		—		132		792		5,561		—		6,772
Doubtful	—		—		—		—		—		—		—		—
Total	217,066		110,385		101,948		103,437		70,120		162,852		—		765,808
Commercial – Real estate
Pass	197,639		206,587		56,303		126,746		125,612		218,736		—		931,623
Special Mention	—		—		2,300		39,276		4,933		2,820		—		49,329
Substandard	—		86		5,957		5,860		1,744		2,482		—		16,129
Doubtful	—		—		—		—		—		—		—		—
Total	197,639		206,673		64,560		171,882		132,289		224,038		—		997,081
Construction – Real estate
Pass	110,320		94,973		77,852		41,729		7,198		18,856		—		350,928
Special Mention	—		—		1,000		—		724		—		—		1,724
Substandard	—		—		255		2,197		1,536		2,926		—		6,914
Doubtful	—		—		—		—		—		—		—		—
Total	110,320		94,973		79,107		43,926		9,458		21,782		—		359,566
Commercial and Industrial
Pass	210,890		146,107		94,365		91,066		30,540		95,813		—		668,781
Special Mention	—		—		—		320		—		221		—		541
Substandard	—		892		14,941		2,414		5,401		5,319		—		28,967
Doubtful	—		—		—		—		—		—		—		—
Total	210,890		146,999		109,306		93,800		35,941		101,353		—		698,289
Other consumer
Pass	760		963		—		46		40		121		—		1,930
Special Mention	—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—
Doubtful	—		—		—		—		—		—		—		—
Total	760		963		—		46		40		121		—		1,930
Credit card
Ungraded	—		—		—		—		—		—		142,397		142,397
Portfolio loans receivable, gross	$	736,675	$	559,993	$	354,921	$	413,091	$	247,848	$	510,146	$	142,397	$	2,965,071


December 31, 2025
(in thousands)	2025		2024		2023		2022		2021		Prior		Revolving		Total
Gross Charge-Offs
Residential real estate	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate	—		—		—		197		—		1,695		—		1,892
Construction	—		—		—		—		—		264		—		264
Commercial and Industrial	—		101		2,339		347		8		625		—		3,420
Credit card	—		—		—		—		—		—		9,036		9,036
Total	$	—	$	101	$	2,339	$	544	$	8	$	2,584	$	9,036	$	14,612

Outstanding loan commitments were as follows:


(in thousands)	March 31, 2026		December 31, 2025
Unused lines of credit
Real Estate:
Residential	$	19,269	$	22,858
Residential - Home Equity	40,008		41,864
Commercial	37,709		69,887
Construction	110,662		91,203
Commercial and Industrial	113,591		90,990
Credit card(1)	153,487		138,632
Other consumer	234		232
Total	$	474,960	$	455,666



Letters of credit	$	1,633	$	1,633

_______________

Lines of credit are agreements to lend to a customer as long as there is no violation of any condition of the contract. Lines of credit generally have variable interest rates. Such lines do not represent future cash requirements because it is unlikely that all customers will, at any given time, draw upon their lines in full. Loan commitments generally have variable interest rates, fixed expiration dates, and may require payment of a fee.

The Company's maximum exposure to credit loss in the event of nonperformance by the customer is the contractual amount of the credit commitment. Loan commitments and lines of credit are generally made on the same terms, including with regard to collateral, as outstanding loans. Management is not aware of any accounting loss to be incurred by funding these loan commitments.

The Company maintains an estimated reserve for unfunded commitments and certain off-balance sheet items such as unfunded lines of credit, which is reflected in other liabilities, with increases or decreases in the reserve being charged to or released from operating expense. Activity for this account is as follows for the periods presented:


	Three months ended
(in thousands)	March 31, 2026		March 31, 2025
Balance at beginning of period	$	1,379	$	1,191

Provision for credit losses on unfunded commitments	205		—


Balance at end of period	$	1,584	$	1,191

The Company makes representations and warranties that loans sold to investors meet the investors’ program guidelines and that the information provided by the borrowers is accurate and complete. In the event of a default on a loan sold, the investor may have the right to make a claim for losses due to document deficiencies, program non-compliance, early payment default, and fraud or borrower misrepresentations.

The Company maintains a reserve for potential losses on mortgage loans sold, which is reflected in other liabilities, with changes being charged to or released from operating expense. Activity in this reserve is as follows for the periods presented:


	Three months ended
(in thousands)	March 31, 2026		March 31, 2025
Balance at beginning of period	$	2,339	$	2,260
Provision for mortgage loan put-back reserve	16		16


Balance at end of period	$	2,355	$	2,276

Interest Income And Interest Expense (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Banking and Thrift, Interest [Abstract]
Taxable interest income	$ 67,793	$ 62,688
Non-taxable interest income	53	3
Dividends	124	69
Total interest income	67,970	62,760
Deposits	18,070	16,512
Short-term borrowings	471	51
Long-term debt	31	150
Total interest expense	$ 18,572	$ 16,713

- Definition

Amount of operating dividend income on securities.

+ References + Details

- Definition

Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.

+ References + Details

Goodwill and Intangible Assets - Schedule of Goodwill (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Mar. 31, 2026	Jun. 30, 2025
Goodwill [Roll Forward]
Balance at beginning of period	$ 25,969	$ 21,126
Acquired goodwill	0	0
Measurement period adjustment	0	$ 4,843
Balance at end of period	$ 25,969

- Definition

Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 24
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482548/350-20-55-24

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 8
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479328/805-10-50-8

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 41
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479303/805-10-55-41

Reference 4: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 740
-Name Accounting Standards Codification
-Section 55
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478064/805-740-55-13

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 39
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479303/805-10-55-39

Reference 6: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 49
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482785/280-10-55-49

Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 852
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481372/852-10-55-10

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(15))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482598/350-20-45-1

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03(10)(1))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1

Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 805
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479581/805-30-50-4

+ Details

Goodwill and Intangible Assets - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Finite-Lived Intangible Assets [Line Items]
Amortization of intangible assets	$ 260	$ 261
Customer list intangible
Finite-Lived Intangible Assets [Line Items]
Expected useful life of intangibles acquired	17 years
Trade name intangible
Finite-Lived Intangible Assets [Line Items]
Expected useful life of intangibles acquired	15 years
Core deposits intangible
Finite-Lived Intangible Assets [Line Items]
Expected useful life of intangibles acquired	10 years

- Definition

The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section 45
-Paragraph 28
-Subparagraph (b)
-SubTopic 10
-Topic 230
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482740/230-10-45-28

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 18
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-18

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 11
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-11

Reference 4: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 24
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-24

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 12
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476148/220-40-50-12

Reference 6: http://www.xbrl.org/2003/role/exampleRef
-Name Accounting Standards Codification
-Section 55
-Paragraph 40
-SubTopic 30
-Topic 350
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482640/350-30-55-40

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482665/350-30-50-2

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482686/350-30-45-2

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476148/220-40-50-6

+ Details

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 31
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-31

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 20
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-20

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 20
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-20

Reference 4: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 38
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-38

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 31
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-31

Reference 6: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 38
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-38

Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 38
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-38

Reference 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 38
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-38

Reference 9: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 38
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-38

Reference 10: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 38
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-38

Reference 11: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 31
-Subparagraph (i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-31

Reference 12: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 31
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-31

Reference 13: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 31
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-31

Reference 14: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 31
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-31

Reference 15: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 31
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-31

Reference 16: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 31
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-31

Reference 17: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 31
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-31

Reference 18: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-31

Reference 19: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 29
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-29

Reference 20: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 29
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-29

Reference 21: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 20
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-20

Reference 22: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 20
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-20

Reference 23: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 14
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-14

Reference 24: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 14
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-14

Reference 25: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 14
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-14

Reference 26: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 14
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-14

Reference 27: http://www.xbrl.org/2003/role/exampleRef
-Topic 805
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479876/805-20-55-14

Reference 28: http://www.xbrl.org/2003/role/exampleRef
-Name Accounting Standards Codification
-Section 55
-Paragraph 40
-SubTopic 30
-Topic 350
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482640/350-30-55-40

Reference 29: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482665/350-30-50-2

Reference 30: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482665/350-30-50-2

Reference 31: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482686/350-30-45-1

Reference 32: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482665/350-30-50-2

Reference 33: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482665/350-30-50-3

Reference 34: http://www.xbrl.org/2003/role/disclosureRef
-Topic 985
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481283/985-20-50-2

Reference 35: http://www.xbrl.org/2003/role/disclosureRef
-Topic 926
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483154/926-20-50-5

+ Details

Goodwill and Intangible Assets - Schedule of Future Amortization Expense (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Goodwill and Intangible Assets Disclosure [Abstract]
2026	$ 783
2027	1,038
2028	1,033
2029	1,026
2030	1,019
Thereafter	9,612
Net Carrying Amount	$ 14,511	$ 14,771

Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Assets
Cash and due from banks	$ 20,182	$ 30,894
Interest-bearing deposits at other financial institutions	379,069	224,611
Federal funds sold	60	60
Total cash and cash equivalents	399,311	255,565
Debt Securities, Available-for-Sale, Excluding Accrued Interest	230,525	230,083
Restricted investments	8,691	8,397
Loans held for sale	13,739	25,828
Portfolio loans receivable, net of deferred fees and costs	3,026,431	2,959,457
Less allowance for credit losses	(54,680)	(54,660)
Total portfolio loans held for investment, net	2,971,751	2,904,797
Premises and equipment, net	17,732	15,072
Accrued interest receivable	16,795	16,695
Goodwill	25,969	25,969
Intangible assets	14,511	14,771
Loan servicing assets	1,957	1,816
Deferred tax asset	15,187	14,992
Bank owned life insurance	45,871	45,488
Other assets	46,428	46,734
Total assets	3,808,467	3,606,207
Deposits
Noninterest-bearing	871,677	852,741
Interest-bearing	2,420,370	2,240,459
Total deposits	3,292,047	3,093,200
Federal Home Loan Bank advances	50,000	50,000
Other borrowed funds	2,062	2,062
Accrued interest payable	8,944	8,745
Other liabilities	46,555	50,443
Total liabilities	3,399,608	3,204,450
Stockholders' equity
Common stock, $0.01 par value; 49,000,000 shares authorized; 16,286,480 issued and outstanding at March 31, 2026; 16,373,288 issued and outstanding at December 31, 2025	163	164
Additional paid-in capital	112,268	114,604
Retained earnings	302,808	292,749
Accumulated other comprehensive loss	(6,380)	(5,760)
Total stockholders' equity	408,859	401,757
Total liabilities and stockholders' equity	$ 3,808,467	$ 3,606,207

Fair Value - Narrative (Details) - USD ($)	Mar. 31, 2026	Dec. 31, 2025
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for sale, nonaccrual	$ 0	$ 0
Level 3 \| Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Level 3 inputs	42,036,000	42,945,000
Foreclosed real estate	3,856,000	3,856,000
Level 3 \| Fair Value, Measurements, Nonrecurring \| Valuation Technique, Discounted Cash Flow
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Level 3 inputs	52,000,000.0	52,100,000
Specific reserves	$ 10,000,000.0	$ 10,100,000

Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Interest income
Loans, including fees	$ 64,186	$ 58,691
Investment securities available-for-sale	1,459	1,861
Federal funds sold and other	2,325	2,208
Total interest income	67,970	62,760
Interest expense
Deposits	18,070	16,512
Borrowed funds	502	201
Total interest expense	18,572	16,713
Net interest income	49,398	46,047
Provision for credit losses	3,014	2,246
Provision for credit losses on unfunded commitments	205	0
Net interest income after provision for credit losses	46,179	43,801
Noninterest income
Loan servicing rights (government guaranteed)	497	472
Other income	957	1,602
Total noninterest income	13,373	12,549
Noninterest expenses
Salaries and employee benefits	20,317	18,067
Occupancy and equipment	3,562	2,910
Professional fees	4,965	2,112
Data processing	7,767	7,112
Advertising	1,466	1,779
Loan processing	1,383	743
Merger-related expenses	0	1,266
Operational and other card fraud related losses	690	903
Regulatory assessment expenses	941	889
Other operating	2,590	2,272
Total noninterest expenses	43,681	38,053
Net income (loss) before taxes	15,871	18,297
Income tax expense	3,853	4,365
Net income	$ 12,018	$ 13,932
Basic earnings per share (in dollars per share)	$ 0.74	$ 0.84
Diluted earnings per share (in dollars per share)	$ 0.73	$ 0.82
Weighted average common shares outstanding:
Basic (in shares)	16,345,156	16,665,528
Diluted (in shares)	16,440,911	16,925,454
Service charges on deposits
Noninterest income
Noninterest income	$ 403	$ 258
Credit card fees
Noninterest income
Noninterest income	4,692	3,722
Mortgage banking revenue
Noninterest income
Noninterest income	1,556	1,831
Government lending revenue
Noninterest income
Noninterest income	923	1,096
Government loan servicing revenue
Noninterest income
Noninterest income	$ 4,345	$ 3,568

Goodwill and Intangible Assets

3 Months Ended

Mar. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Intangible Assets

The change in goodwill during the periods ended March 31, 2026 and December 31, 2025 is as follows:


(in thousands)	March 31, 2026		December 31, 2025
Balance at beginning of period	$	25,969	$	21,126
Acquired goodwill	—		—
Measurement period adjustment	—		4,843
Balance at end of period	$	25,969	$	25,969

At March 31, 2026, the Company’s reporting units include attributable goodwill from the IFH acquisition. The Company has elected to perform a qualitative assessment annually as of October 1 to determine if it is more likely than not that the fair value of the reporting unit exceeded its carrying value, including goodwill.

Acquired amortizing intangible assets were as follows for the period presented:


	March 31, 2026						December 31, 2025
	Gross Carrying Amount		Accumulated Amortization		Net Carrying Amount		Gross Carrying Amount		Accumulated Amortization		Net Carrying Amount
Amortized intangible assets:
Customer list intangible	$	12,200	$	(1,055)	$	11,145	$	12,200	$	(879)	$	11,321
Trade name intangible	2,100		(210)		1,890		2,100		(175)		1,925
Core deposits intangible	1,779		(303)		1,476		1,779		(254)		1,525
Total amortized intangible assets	$	16,079	$	(1,568)	$	14,511	$	16,079	$	(1,308)	$	14,771

Goodwill represents the intangible value of IFH’s business and reputation within the markets it previously served and is not expected to be deductible for income tax purposes. The customer list intangible and trade name intangible will be amortized over its expected useful life of 17 years and 15 years, respectively, using the straight-line method. The core deposit intangible will be amortized over its expected useful life of 10 years using the sum-of-the-years-digits method.

Amortization expense was $260 thousand for the three months ended March 31, 2026. There was $261 thousand amortization expense during the three months ended March 31, 2025.

At March 31, 2026, scheduled amortization of the intangible assets for each of the next five years is as follows:


(in thousands)

2026	$	783
2027	1,038
2028	1,033
2029	1,026
2030	1,019
Thereafter	9,612
Total	$	14,511

Derivative Financial Instruments

3 Months Ended

Mar. 31, 2026

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivative Financial Instruments

The Company may enter into mortgage origination commitments, which are commitments to originate loans as part of its mortgage banking activities. The Company then locks the loan with an investor and commits to deliver the loan if settlement occurs (Best Efforts). Certain loans under mortgage origination commitments are covered under forward sales contracts. Forward sales contracts are recorded at fair value with changes in fair value recorded in mortgage banking revenue. Mortgage origination commitments and commitments to deliver loans to investors are considered to be derivatives. These derivatives are used to economically manage interest rate risk in the Company’s mortgage banking pipeline and are not designated as hedging instruments. Changes in fair value are reported in mortgage banking revenue.

The market value of mortgage origination commitments and best efforts contracts are not readily ascertainable with precision because they are not actively traded in stand-alone markets. The Company determines the fair value of mortgage origination commitments by estimating the fair value of the underlying asset, which is impacted by current interest rates and takes into consideration the probability that the rate lock commitments will close or will be funded. See Note 8 - Fair Value Measurements for information regarding valuation techniques, significant inputs, and fair value hierarchy classification for derivative instruments.

The notional amount and estimated fair value of mortgage banking derivatives included in the consolidated balance sheets is summarized as follows:


	March 31, 2026				December 31, 2025
(in thousands)	Notional Amount		Estimated Fair Value		Notional Amount		Estimated Fair Value



Included in other assets:
Mortgage origination commitments	$	195,492	$	6,235	$	176,106	$	5,892
Open forward delivery sales agreements (hedge MTM)	11,000		30		—		—
Open mandatory delivery commitments	—		—		7,981		31
Open forward delivery sales agreements (pipeline hedge)	—		—		4,772		18


Total included in assets	$	206,492	$	6,265	$	188,859	$	5,941

Included in other liabilities:
Open forward delivery sales agreements (pipeline hedge)	$	9,216	$	54	$	—	$	—
Open mandatory delivery commitments	8,447		93		—		—
Open forward delivery sales agreements (hedge MTM)	—		—		8,500		30
Total included in other liabilities	$	17,663	$	147	$	8,500	$	30

The net gains (losses) relating to mortgage banking derivative instruments included in mortgage banking revenue is summarized as follows:


	Three months ended
	March 31, 2026		March 31, 2025
(in thousands)
Mortgage origination commitments	$	343	$	444
Open forward delivery sales agreements (hedge MTM)	60		(56)
Open forward delivery sales agreements (pipeline hedge)	(72)		28
Open mandatory delivery commitments	(124)		64
Total	$	207	$	480

- Definition

The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 182
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480401/815-10-55-182

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 185
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480401/815-10-55-185

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 184
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480401/815-10-55-184

Reference 4: http://www.xbrl.org/2003/role/exampleRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 181
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480401/815-10-55-181

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4K
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4K

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4K
-Subparagraph (a)(5)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4K

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4K
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4K

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4K
-Subparagraph (a)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4K

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4K
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4K

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4H
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4H

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4H
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4H

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 15
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480960/815-15-50-3

Reference 13: http://www.xbrl.org/2003/role/exampleRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 183
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480401/815-10-55-183

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4K
-Subparagraph (a)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4K

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4K
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4K

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4K
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4K

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4I
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4I

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4F
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-4F

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-2

Reference 20: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-2

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)(1)(iii)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-2

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)(1)(ii)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-2

Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)(1)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-2

Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-1B

Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-1A

Reference 26: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-1A

Reference 27: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-1A

Reference 28: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-1A

Reference 29: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/815/tableOfContent

Reference 30: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 40
-Name Accounting Standards Codification
-Section 50
-Paragraph 5
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480237/815-40-50-5

Reference 31: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5C
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480434/815-10-50-5C

+ Details

Investment Securities (Tables)

3 Months Ended

Mar. 31, 2026

Investments, Debt and Equity Securities [Abstract]

Schedule of Amortized Cost, Fair Value for Credit Losses



(in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Fair Value
March 31, 2026
U.S. Treasuries	$	145,984	$	63	$	(5,355)	$	—	$	140,692

Municipal	15,613		19		(1,832)		—		13,800
Corporate	3,500		—		(93)		—		3,407
Asset-backed securities	4,828		13		—		—		4,841
Mortgage-backed securities	68,985		179		(1,379)		—		67,785
Total	$	238,910	$	274	$	(8,659)	$	—	$	230,525

December 31, 2025
U.S. Treasuries	$	142,381	$	157	$	(5,302)	$	—	$	137,236

Municipal	15,615		66		(1,784)		—		13,897
Corporate	3,500		—		(96)		—		3,404
Asset-backed securities	5,013		13		—		—		5,026
Mortgage-backed securities	71,145		581		(1,206)		—		70,520
Total	$	237,654	$	817	$	(8,388)	$	—	$	230,083

Schedule of Investments Classified by Contractual Maturity Date


	March 31, 2026				December 31, 2025
(in thousands)	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Within one year	$	53,711	$	53,611	$	54,110	$	53,767
One to five years	74,544		71,718		70,534		67,955
Five to ten years	34,336		30,604		34,346		30,847
Beyond ten years	2,506		1,966		2,506		1,968
Asset-backed securities(1)	4,828		4,841		5,013		5,026
Mortgage-backed securities(1)	68,985		67,785		71,145		70,520
Total	$	238,910	$	230,525	$	237,654	$	230,083

_______________

(1) Asset-backed and Mortgage-backed securities are due in monthly installments.

Schedule of Investment Portfolio in Continuous Unrealized Loss Position, Fair Value


	Less than 12 months				12 months or longer				Total
(in thousands)	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
March 31, 2026
U.S. Treasuries	$	19,898	$	(9)	$	95,373	$	(5,346)	$	115,271	$	(5,355)
Municipal	2,291		(3)		8,950		(1,829)		11,241		(1,832)
Corporate	—		—		3,407		(93)		3,407		(93)

Mortgage-backed securities	22,226		(96)		18,250		(1,283)		40,476		(1,379)
Total	$	44,415	$	(108)	$	125,980	$	(8,551)	$	170,395	$	(8,659)

December 31, 2025
U.S. Treasuries	$	9,853	$	(32)	$	95,531	$	(5,270)	$	105,384	$	(5,302)

Municipal	—		—		8,998		(1,784)		8,998		(1,784)
Corporate	—		—		3,404		(96)		3,404		(96)

Mortgage-backed securities	214		(29)		18,466		(1,177)		18,680		(1,206)
Total	$	10,067	$	(61)	$	126,399	$	(8,327)	$	136,466	$	(8,388)

Fair Value - Financial Instruments Carrying Amount, FV and Placement (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Financial assets
Cash and due from banks	$ 20,182	$ 30,894
Interest-bearing deposits at other financial institutions	379,069	224,611
Federal funds sold	60	60
Accrued interest receivable	16,795	16,695
Financial liabilities
Accrued interest payable	8,944	8,745
Level 1 \| Carrying Amount
Financial assets
Cash and due from banks	20,182	30,894
Interest-bearing deposits at other financial institutions	379,069	224,611
Federal funds sold	60	60
Financial liabilities
Noninterest-bearing deposits	871,677	852,741
Level 1 \| Fair Value
Financial assets
Cash and due from banks	20,182	30,894
Interest-bearing deposits at other financial institutions	379,069	224,611
Federal funds sold	60	60
Financial liabilities
Noninterest-bearing deposits	871,677	852,741
Level 2 \| Carrying Amount
Financial assets
Accrued interest receivable	16,795	16,695
Financial liabilities
Accrued interest payable	8,944	8,745
Level 2 \| Fair Value
Financial assets
Accrued interest receivable	16,795	16,695
Financial liabilities
Accrued interest payable	8,944	8,745
Level 3 \| Carrying Amount
Financial assets
Portfolio loans receivable, net	2,971,751	2,904,797
Restricted investments	8,691	8,397
Foreclosed real estate	3,856	3,856
Financial liabilities
Interest-bearing deposits	2,420,370	2,240,459
FHLB advances and other borrowed funds	52,062	52,062
Level 3 \| Fair Value
Financial assets
Portfolio loans receivable, net	2,917,829	2,853,268
Restricted investments	8,691	8,397
Foreclosed real estate	3,856	3,856
Financial liabilities
Interest-bearing deposits	2,422,306	2,243,002
FHLB advances and other borrowed funds	$ 52,135	$ 51,937

Portfolio Loans Receivable and Allowance for Credit Losses - Classification of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 3,030,430	$ 2,965,071
Loans receivable, gross percent	100.00%	100.00%
Deferred origination fees, net	$ (3,999)	$ (5,614)
Allowance for credit losses	(54,680)	(54,660)	$ (48,454)	$ (48,652)
Total portfolio loans held for investment, net	2,971,751	2,904,797
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 730,576	$ 698,289
Loans receivable, gross percent	24.00%	23.00%
Allowance for credit losses	$ (20,635)	$ (19,818)	(15,688)	(16,377)
Real estate: \| Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 795,505	$ 765,808
Loans receivable, gross percent	26.00%	26.00%
Allowance for credit losses	$ (7,628)	$ (7,444)	(6,331)	(6,945)
Real estate: \| Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 999,075	$ 997,081
Loans receivable, gross percent	33.00%	34.00%
Allowance for credit losses	$ (14,306)	$ (14,917)	(17,270)	(16,041)
Real estate: \| Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 365,706	$ 359,566
Loans receivable, gross percent	12.00%	12.00%
Allowance for credit losses	$ (4,307)	$ (4,250)	(3,261)	(2,973)
Credit card \| Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 134,789	$ 142,397
Loans receivable, gross percent	5.00%	5.00%
Allowance for credit losses	$ (7,797)	$ (8,226)	(5,898)	(6,301)
Other consumer \| Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount	$ 4,779	$ 1,930
Loans receivable, gross percent	0.00%	0.00%
Allowance for credit losses	$ (7)	$ (5)	$ (6)	$ (15)

Investment Securities - By Maturity Dates (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Amortized Cost
Within one year	$ 53,711	$ 54,110
One to five years	74,544	70,534
Five to ten years	34,336	34,346
Beyond ten years	2,506	2,506
Asset/Mortgage-backed securities	238,910	237,654
Fair Value
Within one year	53,611	53,767
One to five years	71,718	67,955
Five to ten years	30,604	30,847
Beyond ten years	1,966	1,968
Fair Value	230,525	230,083
Asset-backed securities
Amortized Cost
Asset/Mortgage-backed securities	4,828	5,013
Fair Value
Fair Value	4,841	5,026
Mortgage-backed securities
Amortized Cost
Asset/Mortgage-backed securities	68,985	71,145
Fair Value
Fair Value	$ 67,785	$ 70,520

Fair Value - Impaired Loans and Foreclosed Real Estate (Details) - Level 3	Mar. 31, 2026	Dec. 31, 2025
Discounts to appraisals or cash flows for estimated holding and/or selling costs \| Minimum \| Appraised Value/Discounted Cash Flows
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Individually evaluated loans	0	0
Discounts to appraisals or cash flows for estimated holding and/or selling costs \| Maximum \| Appraised Value/Discounted Cash Flows
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Individually evaluated loans	0.30	0.30
Discounts to appraisals for estimated holding and/or selling costs \| Minimum \| Appraised Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate	0	0
Discounts to appraisals for estimated holding and/or selling costs \| Maximum \| Appraised Value
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Foreclosed real estate	0.30	0.30
Discount Rate \| Appraised Value/Discounted Cash Flows
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Individually evaluated loans		0.634

Loan Servicing

3 Months Ended

Mar. 31, 2026

Transfers and Servicing [Abstract]

Loan Servicing

Activity for loan servicing rights is as follows for the periods presented:


Loan servicing rights:
(in thousands)	March 31, 2026		December 31, 2025
Balance at beginning of period	$	1,816	$	5,511
Additions	185		182
Measurement period adjustments	—		(2,107)
Other changes in fair value	(44)		(1,770)
Balance at end of period	$	1,957	$	1,816

The loan servicing rights balance consisted of a principal balance of $753 million and $739 million as of March 31, 2026 and December 31, 2025, respectively. The fair value at March 31, 2026 was determined using a discount rate of 12.8%, a weighted average prepayment speed of 17.3% and a weighted average default rate of 0.7%. The fair value at December 31, 2025 was determined using a discount rate of 12.8%, a weighted average prepayment speed of 16.6% and a weighted average default rate of 0.7%.

- Definition

The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480591/815-20-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481420/860-30-50-1A

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-04(11))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481420/860-30-50-1A

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)(7)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-4

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)(2)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)(2)(ii)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)(4)(ii)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)(5)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/860/tableOfContent

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (cc)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)(5)(ii)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4D

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481420/860-30-50-7

Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-2

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-2

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-4

+ Details

Consolidated Statements of Changes in Stockholders' Equity (unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Stockholders' Equity [Abstract]
Cash dividends to stockholders (in dollar per share)	$ 0.12	$ 0.10

Consolidated Statements of Changes in Stockholders' Equity (unaudited) - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Loss
Beginning balance (in shares) at Dec. 31, 2024		16,662,626
Beginning balance at Dec. 31, 2024	$ 355,139	$ 167	$ 123,566	$ 242,875	$ (11,469)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	13,932			13,932
Unrealized gain (loss) on investment securities available-for-sale, net of income taxes	2,262				2,262
Stock options exercised, net of shares withheld for purchase price (in shares)		10,396
Stock options exercised, net of shares withheld for purchase price	43		43
Shares issued as compensation (in shares)		6,331
Shares issued as compensation	78		78
Stock-based compensation	407		407
Cash dividends to stockholders	(1,666)			(1,666)
Shares repurchased and retired (in shares)		(22,185)
Shares repurchased and retired	(618)		(618)
Ending balance (in shares) at Mar. 31, 2025		16,657,168
Ending balance at Mar. 31, 2025	$ 369,577	$ 167	123,476	255,141	(9,207)
Beginning balance (in shares) at Dec. 31, 2025	16,373,288	16,373,288
Beginning balance at Dec. 31, 2025	$ 401,757	$ 164	114,604	292,749	(5,760)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	12,018			12,018
Unrealized gain (loss) on investment securities available-for-sale, net of income taxes	(620)				(620)
Stock options exercised, net of shares withheld for purchase price (in shares)		13,214
Stock options exercised, net of shares withheld for purchase price	87		87
Shares issued as compensation (in shares)		22,735
Shares issued as compensation	621		621
Stock-based compensation	512		512
Cash dividends to stockholders	(1,959)			(1,959)
Shares repurchased and retired (in shares)		(122,757)
Shares repurchased and retired	$ (3,557)	$ (1)	(3,556)
Ending balance (in shares) at Mar. 31, 2026	16,286,480	16,286,480
Ending balance at Mar. 31, 2026	$ 408,859	$ 163	$ 112,268	$ 302,808	$ (6,380)

Consolidated Balance Sheets (unaudited) (Parenthetical) - $ / shares	Mar. 31, 2026	Dec. 31, 2025
Statement of Financial Position [Abstract]
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	49,000,000	49,000,000
Common stock, shares issued (in shares)	16,286,480	16,373,288
Common stock, shares outstanding (in shares)	16,286,480	16,373,288

Fair Value (Tables)

3 Months Ended

Mar. 31, 2026

Fair Value Disclosures [Abstract]

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis

The Company has categorized its financial instruments measured at fair value on a recurring basis as of March 31, 2026 and December 31, 2025 as follows:


(in thousands)
March 31, 2026	Total		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)
Investment securities available-for-sale
U.S. Treasuries	$	140,692	$	140,692	$	—	$	—

Municipal	13,800		—		13,800		—
Corporate	3,407		—		3,407		—
Asset-backed securities	4,841		—		4,841		—
Mortgage-backed securities	67,785		—		67,785		—
Total	$	230,525	$	140,692	$	89,833	$	—

Loans held for sale	$	13,739	$	—	$	13,739	$	—
Loan servicing assets	$	1,957	$	—	$	1,957	$	—
Derivative assets	$	6,265	$	—	$	6,265	$	—
Derivative liabilities	$	147	$	—	$	147	$	—

December 31, 2025
Investment securities available-for-sale
U.S. Treasuries	$	137,236	$	137,236	$	—	$	—

Municipal	13,897		—		13,897		—
Corporate	3,404		—		3,404		—
Asset-backed securities	5,026		—		5,026		—
Mortgage-backed securities	70,520		—		70,520		—
Total	$	230,083	$	137,236	$	92,847	$	—

Loans held for sale	$	25,828	$	—	$	25,828	$	—
Loan servicing assets	$	1,816	$	—	$	1,816	$	—
Derivative assets	$	5,941	$	—	$	5,941	$	—
Derivative liabilities	$	30	$	—	$	30	$	—

Schedule of Fair Value of Loans Held for Sale

The following table reflects the difference between the fair value carrying amount of loans held for sale, measured at fair value under FASB ASC 825-10, and the aggregate unpaid principal amount the

Company is contractually entitled to receive at maturity:


Fair Value of Loans Held for Sale
(in thousands)	March 31, 2026		December 31, 2025
Aggregate fair value	$	13,739	$	25,828
Contractual principal	13,380		25,332
Difference	$	359	$	496

Schedule of Fair Value Measurements, Nonrecurring

The Company has categorized its financial instruments measured at fair value on a nonrecurring basis as of March 31, 2026 and December 31, 2025 as follows:



(in thousands)	March 31, 2026		December 31, 2025
Individually evaluated loans


Level 3 inputs	$	42,036	$	42,945

Foreclosed real estate
Level 3 inputs	3,856		3,856

Total	$	45,892	$	46,801

Schedule of Fair Value Measurement Inputs and Valuation Techniques

The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at March 31, 2026 and December 31, 2025:

Unobservable Inputs

Valuation Technique

Unobservable Inputs

Range of Inputs

March 31, 2026

Individually evaluated loans

Appraised Value/Discounted Cash Flows

Discounts to appraisals or cash flows for estimated holding and/or selling costs

0 to 30% 1

Foreclosed real estate

Appraised Value

Discounts to appraisals for estimated holding and/or selling costs

0 to 30%

December 31, 2025

Valuation Technique

Unobservable Inputs

Range of Inputs

Individually evaluated loans

Appraised Value/Discounted Cash Flows

Discounts to appraisals or cash flows for estimated holding and/or selling costs

0 to 30% 1

Foreclosed Real Estate

Appraised Value

Discounts to appraisals for estimated holding and/or selling costs

0 to 30%

Schedule of Fair Value Measurements, Recurring and Nonrecurring

The table below presents the carrying amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments.


	March 31, 2026				December 31, 2025
(in thousands)	Carrying Amount		Fair Value		Carrying Amount		Fair Value
Financial assets
Level 1
Cash and due from banks	$	20,182	$	20,182	$	30,894	$	30,894
Interest-bearing deposits at other financial institutions	379,069		379,069		224,611		224,611

Federal funds sold	60		60		60		60
Level 2
Accrued interest receivable	$	16,795	$	16,795	$	16,695	$	16,695
Level 3

Portfolio loans receivable, net	$	2,971,751	$	2,917,829	$	2,904,797	$	2,853,268

Restricted investments	8,691		8,691		8,397		8,397
Foreclosed real estate	3,856		3,856		3,856		3,856

Financial liabilities
Level 1
Noninterest-bearing deposits	$	871,677	$	871,677	$	852,741	$	852,741

Level 2
Accrued interest payable	$	8,944	$	8,944	$	8,745	$	8,745
Level 3
Interest-bearing deposits	$	2,420,370	$	2,422,306	$	2,240,459	$	2,243,002
FHLB advances and other borrowed funds	52,062		52,135		52,062		51,937

Leases (Tables)

3 Months Ended

Mar. 31, 2026

Leases [Abstract]

Schedule of Assets and Liabilities, Lessee

The Company’s lease information is summarized as follows:


(in thousands)	March 31, 2026		December 31, 2025
Lease Right of Use Asset:
Lease asset	$	10,152	$	6,978
Less: Accumulated amortization	(3,392)		(2,959)
Net lease asset	$	6,760	$	4,019



Lease Liability:
Lease liability	$	10,586	7,326
Less: Accumulated amortization	(3,014)		(2,754)
Net lease liability	$	7,572	$	4,572

Schedule of Lessee, Operating Lease, Liability, Maturity

Future minimum payments for operating leases with initial or remaining terms of one year or more are as follows:


(in thousands)	March 31, 2026
Amounts due in:
2026	$	1,412
2027	1,811
2028	1,661
2029	1,652
2030	1,399
2031 and thereafter	777
Total future lease payments	8,712
Discount of cash flows	(1,140)
Present value of net future lease payments	$	7,572

Interest Income And Interest Expense

3 Months Ended

Mar. 31, 2026

Banking and Thrift, Interest [Abstract]

Interest Income and Interest Expense

The following table presents the components of interest income and interest expense:


	Three months ended
(in thousands)	2026		2025
Interest income
Taxable interest income	$	67,793	$	62,688
Non-taxable interest income	53		3
Dividends	124		69
Total interest income	$	67,970	$	62,760

Interest expense
Deposits	$	18,070	$	16,512
Short-term borrowings	471		51
Long-term debt	31		150
Total interest expense	$	18,572	$	16,713

- Definition

The entire disclosure for interest income and interest expense for enterprises that derive a significant portion of their revenue from interest collected on investments, loans, and securities.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(5))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(4))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(3))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(1))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(8))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(7))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(6))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(12))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(11))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 11: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(10))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(9))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

+ Details

Goodwill and Intangible Assets (Tables)

3 Months Ended

Mar. 31, 2026

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Goodwill

The change in goodwill during the periods ended March 31, 2026 and December 31, 2025 is as follows:


(in thousands)	March 31, 2026		December 31, 2025
Balance at beginning of period	$	25,969	$	21,126
Acquired goodwill	—		—
Measurement period adjustment	—		4,843
Balance at end of period	$	25,969	$	25,969

Schedule of Acquired Finite-Lived Intangible Assets by Major Class

Acquired amortizing intangible assets were as follows for the period presented:


	March 31, 2026						December 31, 2025
	Gross Carrying Amount		Accumulated Amortization		Net Carrying Amount		Gross Carrying Amount		Accumulated Amortization		Net Carrying Amount
Amortized intangible assets:
Customer list intangible	$	12,200	$	(1,055)	$	11,145	$	12,200	$	(879)	$	11,321
Trade name intangible	2,100		(210)		1,890		2,100		(175)		1,925
Core deposits intangible	1,779		(303)		1,476		1,779		(254)		1,525
Total amortized intangible assets	$	16,079	$	(1,568)	$	14,511	$	16,079	$	(1,308)	$	14,771

Schedule of Future Amortization Expense

At March 31, 2026, scheduled amortization of the intangible assets for each of the next five years is as follows:


(in thousands)

2026	$	783
2027	1,038
2028	1,033
2029	1,026
2030	1,019
Thereafter	9,612
Total	$	14,511

- Definition

Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 24
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482548/350-20-55-24

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1A

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-2

+ Details

Consolidated Statements of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
Statement of Comprehensive Income [Abstract]
Net income	$ 12,018	$ 13,932
Other comprehensive income:
Unrealized gain (loss) on investment securities available-for-sale	(814)	2,991
Income tax benefit (expense) relating to the items above	194	(729)
Other comprehensive income (loss)	(620)	2,262
Comprehensive income	$ 11,398	$ 16,194

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References + Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 946
-SubTopic 830
-Name Accounting Standards Codification
-Section 55
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479168/946-830-55-10

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 4
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-4

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 21
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-21

Reference 4: http://www.xbrl.org/2003/role/exampleRef
-Topic 220
-SubTopic 40
-Name Accounting Standards Codification
-Section 55
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476153/220-40-55-14

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480738/235-10-S50-1

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(g)(1)(i))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(k)(2))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 28
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-28

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483443/250-10-50-4

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 480
-SubTopic 10
-Name Accounting Standards Codification
-Section S50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479857/480-10-S50-3

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 480
-SubTopic 10
-Name Accounting Standards Codification
-Section S45
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479887/480-10-S45-3

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 480
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 3A
-Subparagraph (24)(d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480244/480-10-S99-3A

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 105
-SubTopic 10
-Name Accounting Standards Codification
-Section 65
-Paragraph 9
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479343/105-10-65-9

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 65
-Paragraph 17
-Subparagraph (d)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480336/718-10-65-17

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483443/250-10-50-6

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 9
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483443/250-10-50-9

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 805
-SubTopic 60
-Name Accounting Standards Codification
-Section 65
-Paragraph 1
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147476176/805-60-65-1

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 323
-Name Accounting Standards Codification
-Section 65
-Paragraph 2
-Subparagraph (g)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478666/740-323-65-2

Reference 19: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03(20))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483621/220-10-S99-2

Reference 20: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(g)(1)(ii))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-1

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 323
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481687/323-10-50-3

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482765/220-10-50-6

Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483443/250-10-50-3

Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483443/250-10-50-1

Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 40
-Name Accounting Standards Codification
-Section 65
-Paragraph 1
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480175/815-40-65-1

Reference 26: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 8
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483443/250-10-50-8

Reference 27: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483443/250-10-50-11

Reference 28: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483443/250-10-50-11

Reference 29: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section 45
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479105/946-220-45-7

Reference 30: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(18))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477250/944-220-S99-1

Reference 31: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07(9))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-1

Reference 32: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 3
-Subparagraph (SX 210.6-09(1)(d))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479134/946-220-S99-3

Reference 33: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(i))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A

Reference 34: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(ii))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A

Reference 35: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(iii)(A))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A

Reference 36: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(iv))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A

Reference 37: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(5))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1A

Reference 38: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(i))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 39: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iii)(A))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 40: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iii)(B))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 41: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iv))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 42: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(5))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480097/470-10-S99-1B

Reference 43: http://www.xbrl.org/2003/role/disclosureRef
-Topic 260
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 60B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482689/260-10-45-60B

Reference 44: http://www.xbrl.org/2003/role/disclosureRef
-Topic 205
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483499/205-20-50-7

Reference 45: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 230
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 28
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482740/230-10-45-28

Reference 46: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A

Reference 47: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B

Reference 48: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 65
-Paragraph 4
-Subparagraph (f)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481538/470-20-65-4

Reference 49: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(22))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

+ Details

Investment Securities - Narrative (Details)	3 Months Ended
Investment Securities - Narrative (Details)	Mar. 31, 2026 USD ($) security	Mar. 31, 2025 security	Dec. 31, 2025 USD ($) security
Debt Securities, Available-for-sale [Line Items]
Number of securities sold \| security	0	0
Allowance for credit losses	$ 0		$ 0
Security pledged as collateral	$ 900,000		1,000,000.0
AAA Rating
Debt Securities, Available-for-sale [Line Items]
Percentage of total loan type	76.00%
AA+ Rating
Debt Securities, Available-for-sale [Line Items]
Percentage of total loan type	24.00%
Minimum
Debt Securities, Available-for-sale [Line Items]
Subordinated debt	$ 500,000
Maximum
Debt Securities, Available-for-sale [Line Items]
Subordinated debt	2,000,000
U.S. Treasuries
Debt Securities, Available-for-sale [Line Items]
Allowance for credit losses	$ 0		$ 0
Number of securities in a loss position for less than twelve months \| security	2		1
Number of securities in a loss position for greater than twelve months \| security	10		10
Municipal
Debt Securities, Available-for-sale [Line Items]
Allowance for credit losses	$ 0		$ 0
Number of securities in a loss position for less than twelve months \| security	1
Number of securities in a loss position for greater than twelve months \| security	10		10
Mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Allowance for credit losses	$ 0		$ 0
Number of securities in a loss position for less than twelve months \| security	7		3
Number of securities in a loss position for greater than twelve months \| security	10		8
Corporate
Debt Securities, Available-for-sale [Line Items]
Allowance for credit losses	$ 0		$ 0
Number of securities in a loss position for greater than twelve months \| security	3		3
Asset-backed securities
Debt Securities, Available-for-sale [Line Items]
Allowance for credit losses	$ 0		$ 0
Number of securities in a loss position for greater than twelve months \| security	3
Federal Home Loan Bank \| Collateral Pledged
Debt Securities, Available-for-sale [Line Items]
Investment securities	$ 119,300,000		$ 124,300,000

Fair Value - Financial Instruments Measured at FV on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025	Dec. 31, 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 230,525	$ 230,083
Loans held for sale	13,739	25,828
Loan servicing assets	1,957	1,816	$ 5,511
Derivative assets	6,265	5,941
Derivative liabilities	147	30
U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	140,692	137,236
Municipal
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	13,800	13,897
Corporate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	3,407	3,404
Asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	4,841	5,026
Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	67,785	70,520
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	230,525	230,083
Loans held for sale	13,739	25,828
Loan servicing assets	1,957	1,816
Derivative assets	$ 6,265	$ 5,941
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Derivative liabilities	$ 147	$ 30
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Other liabilities	Other liabilities
Fair Value, Measurements, Recurring \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 140,692	$ 137,236
Loans held for sale	0	0
Loan servicing assets	0	0
Derivative assets	0	0
Derivative liabilities	0	0
Fair Value, Measurements, Recurring \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	89,833	92,847
Loans held for sale	13,739	25,828
Loan servicing assets	1,957	1,816
Derivative assets	6,265	5,941
Derivative liabilities	147	30
Fair Value, Measurements, Recurring \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Loans held for sale	0	0
Loan servicing assets	0	0
Derivative assets	0	0
Derivative liabilities	0	0
Fair Value, Measurements, Recurring \| U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	140,692	137,236
Fair Value, Measurements, Recurring \| U.S. Treasuries \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	140,692	137,236
Fair Value, Measurements, Recurring \| U.S. Treasuries \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Fair Value, Measurements, Recurring \| U.S. Treasuries \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Fair Value, Measurements, Recurring \| Municipal
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	13,800	13,897
Fair Value, Measurements, Recurring \| Municipal \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Fair Value, Measurements, Recurring \| Municipal \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	13,800	13,897
Fair Value, Measurements, Recurring \| Municipal \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Fair Value, Measurements, Recurring \| Corporate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	3,407	3,404
Fair Value, Measurements, Recurring \| Corporate \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Fair Value, Measurements, Recurring \| Corporate \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	3,407	3,404
Fair Value, Measurements, Recurring \| Corporate \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Fair Value, Measurements, Recurring \| Asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	4,841	5,026
Fair Value, Measurements, Recurring \| Asset-backed securities \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Fair Value, Measurements, Recurring \| Asset-backed securities \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	4,841	5,026
Fair Value, Measurements, Recurring \| Asset-backed securities \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Fair Value, Measurements, Recurring \| Mortgage-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	67,785	70,520
Fair Value, Measurements, Recurring \| Mortgage-backed securities \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Fair Value, Measurements, Recurring \| Mortgage-backed securities \| Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	67,785	70,520
Fair Value, Measurements, Recurring \| Mortgage-backed securities \| Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 0	$ 0

Nature of Business and Basis of Presentation (Policies)	3 Months Ended
Nature of Business and Basis of Presentation (Policies)	Mar. 31, 2026
Accounting Policies [Abstract]
Nature of operations	Nature of operations: Capital Bancorp, Inc. is a Maryland corporation and the bank holding company (the “Company”) for Capital Bank, N.A. (the “Bank”). The Company's primary operations are conducted by the Bank, which is headquartered in Rockville, Maryland. The Company operates three additional divisions including, OpenSky™, Windsor Advantage, LLC (“Windsor Advantage™”) and Capital Bank Home Loans (“CBHL”). The Company serves businesses, not-for-profit associations, entrepreneurs and others throughout Washington D.C., Baltimore, other Maryland markets, Delaware, Florida, Illinois and North Carolina through seven commercial bank branches, one mortgage banking office, three loan production offices, three government loan servicing offices, and one credit card operations office. The Bank is principally engaged in providing commercial, real estate, and credit card loans along with other banking services, and attracting deposits. The Company issues credit cards through OpenSky™, a digitally-driven, nationwide credit card platform providing secured, partially secured, and unsecured credit solutions. Windsor Advantage™, a wholly-owned subsidiary of the Company, is a loan service provider that offers community banks and credit unions a comprehensive U.S. Small Business Administration (“SBA”) 7(a) and U.S. Department of Agriculture (“USDA”) lending platform. The Company originates residential mortgages for sale in the secondary market through CBHL, the Bank’s residential mortgage banking arm. In addition, the Company owns all of the stock of Capital Bancorp (MD) Statutory Trust I (the “Trust”). The Trust is a special purpose non-consolidated entity organized for the sole purpose of issuing trust preferred securities.
Basis of presentation	Basis of presentation: The accompanying unaudited interim consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with rules and regulations of the Securities and Exchange Commission (“SEC”) and conform to general practices within the banking industry. The consolidated financial statements include the activity of the Company and its wholly-owned subsidiaries, the Bank, Windsor Advantage™, and Church Street Capital, LLC (“CSC”). The statements do not include all of the information and footnotes required by GAAP for complete financial statements. All adjustments have been made which, in the opinion of management, are necessary for a fair presentation of the results for the interim periods presented. Such adjustments are all of a normal and recurring nature. All significant inter-company accounts and transactions have been eliminated in consolidation. The results of operations for the three months ended March 31, 2026 are not necessarily indicative of the results that may be expected for the full year. These unaudited interim consolidated financial statements should be read in conjunction with the Company’s audited financial statements and the notes thereto as of December 31, 2025, included in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025. The Company reports its activities as four divisions and reporting segments: Commercial Banking, OpenSky™, Windsor Advantage™, and Capital Bank Home Loans. In determining the appropriateness of segment definition, the Company considers components of the business about which financial information is available and regularly evaluated relative to resource allocation and performance assessment.
Recently Issued Accounting Pronouncements	Recently Issued Accounting Pronouncements: In November 2024, the FASB issued Accounting Standards Update 2024-03, "Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40)" ("ASU 2024-03"). ASU 2024-03 requires public entities to provide disaggregated disclosures, in the notes to the financial statements, of certain categories of expenses that are included in expense line items on the face of the income statement. ASU 2024-03 is effective for the Company for fiscal years beginning after December 15, 2026 and interim periods within fiscal years beginning after December 15, 2027, with early adoption permitted. The Company will update its expense disclosures upon adoption. In September 2025, the FASB issued Accounting Standards Update 2025-06 “Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software” (“ASU 2025-06”). ASU 2025-06 makes targeted improvements to Subtopic 350-40 to increase the operability of the recognition guidance considering different methods of software development. ASU 2025-06 is effective for the Company for fiscal years beginning after December 15, 2027, and interim reporting periods in those years, with early adoption permitted. The Company will update its software capitalization policy upon adoption. In November 2025, the FASB issued Accounting Standards Update 2025-08 “Financial Instruments - Credit Losses (Topic 326): Purchased Loans” (“ASU 2025-08”), which expands the gross-up approach applied to purchased credit deteriorated (“PCD”) loans in an acquisition to certain purchased financial assets, including certain seasoned loans that do not meet the definition of PCD. Upon adoption of this guidance, qualifying seasoned loans acquired in future transactions would be recorded by grossing up the purchase price for the initial allowance for credit losses rather than recognizing the allowance through provision expense at acquisition. As a result, future acquisitions may not generate the same level of initial provision expense and related earnings volatility associated with the historical accounting treatment. The guidance would be effective for the Company for fiscal years beginning after December 15, 2026, with early adoption permitted, and is to be applied prospectively. The Company is currently evaluating the impact of this standard and has not elected early adoption. In November 2025, the FASB issued Accounting Standards Update 2025-09, “Derivatives and Hedging (Topic 815): Hedge Accounting Improvements” (“ASU 2025-09”). ASU 2025-09 is intended to clarify guidance on hedge accounting and to address several incremental hedge accounting issues arising from the global reference rate reform initiative. The guidance would be effective for the Company for fiscal years beginning after December 15, 2026, with early adoption permitted, and is to be applied prospectively. The Company is currently evaluating the impact of this standard and has not elected early adoption. In November 2025, the FASB issued Accounting Standards Update 2025-11, "Interim Reporting" ("ASU 2025-11"). ASU 2025-11 is intended to improve the navigability of the guidance in ASC 270, Interim Reporting, and establishes a principle under which an entity must disclose events since the end of the last annual reporting period that have a material impact on the entity. ASU 2025-11 is effective for the Company for interim periods within annual reporting periods beginning after December 15, 2027, with early adoption permitted. The Company is currently evaluating the impact the adoption of ASU 2025-11 may have on the Company’s consolidated financial statements. Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company's financial position, results of operations or cash flows.
Reclassifications	Reclassifications: Certain reclassifications have been made to amounts reported in prior periods to conform to the current period presentation. The reclassifications had no material effect on net income or total stockholders' equity. Certain prior period amounts in the consolidated statements of changes in stockholders’ equity have been reclassified to conform to the current period presentation. These reclassifications were made within total stockholders’ equity and had no impact on previously reported net income, earnings per share, or total stockholders’ equity.
Subsequent events	Subsequent events: Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date.
Fair Value	Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1 - Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. This includes certain U.S. Treasury and other U.S. Government and government agency securities actively traded in over-the-counter markets. Level 2 - Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 - Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.