A summary of premises and equipment, excluding those that were held for sale, at December 31, 2025 and 2024 was as follows:
December 31,
(dollars in thousands)20252024
Land and land improvements$7,854 $9,190 
Buildings and improvements32,177 36,401 
Furniture and equipment12,344 13,675 
Operating leases - right of use asset5,352 2,796 
Construction in progress1,972 271 
Total59,699 62,333 
Less accumulated depreciation29,736 31,167 
Premises and equipment, net$29,963 $31,166 

Historical Timeline

Fiscal YearFiled
2025Mar 5, 2026Showing above
2024Mar 17, 2025
2023Mar 18, 2024
2022Mar 29, 2023
2021Mar 17, 2022
2020Mar 12, 2021
2019Mar 16, 2020
2018Mar 14, 2019
2017Mar 16, 2018
2016Mar 31, 2017
2015Mar 30, 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.