The major classes of bank premises and equipment and the total accumulated depreciation at December 31, 2025 and 2024 were as follows:

 

 

 

December 31,

 

 

 

2025

 

 

2024

 

 

 

(in thousands)

 

Land

 

$

6,119

 

 

$

6,119

 

Buildings and improvements

 

 

14,662

 

 

 

13,671

 

Furniture and equipment

 

 

9,651

 

 

 

9,967

 

 

$

30,432

 

 

$

29,757

 

Less accumulated depreciation

 

 

15,526

 

 

 

15,418

 

Bank premises and equipment, net

 

$

14,906

 

 

$

14,339

 

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Historical Timeline

Fiscal YearFiled
2025Mar 16, 2026Showing above
2024Mar 31, 2025
2023Mar 29, 2024
2022Mar 29, 2023
2021Mar 30, 2022
2020Mar 30, 2021
2019Mar 13, 2020
2018Mar 15, 2019
2017Mar 15, 2018
2016Mar 29, 2017
2015Mar 29, 2016

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.