The following table presents premises and equipment, net of accumulated depreciation, as of the dates stated.

 

 

 

December 31,

 

(Dollars in thousands)

 

2025

 

 

2024

 

Buildings and land

 

$

23,214

 

 

$

23,183

 

Furniture, fixtures and equipment

 

 

6,962

 

 

 

6,871

 

Software

 

 

270

 

 

 

267

 

Construction in progress

 

 

25

 

 

 

 

Total cost

 

 

30,471

 

 

 

30,321

 

Less: Accumulated depreciation

 

 

(8,922

)

 

 

(8,927

)

Premises and equipment, net

 

$

21,549

 

 

$

21,394

 

Historical Timeline

Fiscal YearFiled
2025Mar 12, 2026Showing above
2024Mar 10, 2025
2023Mar 15, 2024
2022Mar 10, 2023
2021Mar 11, 2022
2020Mar 29, 2021
2019Apr 14, 2020

About PP&E Disclosures

The PP&E disclosure details a company's physical asset base — land, buildings, machinery, and equipment — along with the depreciation methods and useful life assumptions that determine how these costs flow through the income statement. Capitalization policy thresholds reveal management's judgment on the boundary between expense and asset, directly affecting both reported earnings and asset values.

Key signals: changes in estimated useful lives or depreciation methods can materially shift reported earnings without any operational change. Compare capital expenditures against depreciation expense — when capex consistently trails depreciation, the asset base may be aging and underinvested. Watch for large asset impairments or write-downs that signal overvalued carrying amounts. Asset retirement obligations reveal future environmental or decommissioning costs that are often underappreciated. Compare PP&E intensity (PP&E-to-revenue) against industry peers to assess capital efficiency and competitive positioning.