Bank premises and equipment as of December 31, 2025 and 2024 were as follows ($ in thousands):

2025

2024

Land

$

$

4,867

Land improvements

 

 

1,502

Building and improvements

 

4,263

 

18,131

Leasehold improvements

 

952

 

3,885

Furniture, fixtures, equipment and software

 

12,115

 

10,472

Construction in progress

 

 

172

 

17,330

 

39,029

Less accumulated depreciation and amortization

 

11,260

 

19,597

Bank premises and equipment, net

$

6,070

$

19,432

Historical Timeline

Fiscal YearFiled
2025Mar 16, 2026Showing above
2024Apr 29, 2025
2023Oct 15, 2024
2022Mar 15, 2023
2021Mar 14, 2022
2020Mar 16, 2021
2019Mar 16, 2020
2018Mar 15, 2019
2017Mar 16, 2018
2016Mar 16, 2017
2015Mar 15, 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.