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Leases
 9 Months Ended
Sep. 30, 2025
Leases [Abstract]  
Leases Leases
We currently have operating leases for branch locations, a loan production office and our corporate office. The term for our leases generally begins on the date we become legally obligated for the rent payments or we take possession of the building premises, whichever is earlier. Our real estate leases have initial terms ranging from one to 10.5 years and typically include one renewal option. As of September 30, 2025, our leases had remaining terms ranging from 5 months to 4.7 years. The operating leases require us to pay property taxes and operating expenses for the properties. We also have finance leases for certain equipment, including copier machines which had an initial term of five years and a remaining term of approximately 4.25 years.
The following table presents the lease right-of-use assets and lease liabilities recorded on the Condensed Consolidated Balance Sheets at the dates indicated (in thousands):
September 30,
2025		December 31,
2024
Operating lease right-of-use assets$3,569 $3,725 
Finance lease right-of-use assets110 — 
Operating lease liabilities3,831 4,013 
Finance lease liabilities112 — 
The following table presents the components of lease expense for the periods indicated (in thousands):
Three Months Ended September 30,Nine Months Ended September 30,
2025202420252024
Lease expense
Operating leases$278 $270 $827 $811 
Finance leases
Amortization of right-of-use assets6 — 19 — 
Interest on lease liabilities1 — 4 — 
Sublease income— — — (4)
Net lease expense$285 $270 $850 $807 
The following table presents the schedule of lease liability payments at the date indicated (in thousands):
September 30,Finance LeasesOperating LeasesTotal Lease Payments
2026$29 $1,145 $1,174 
202729 1,137 1,166 
202829 1,033 1,062 
202929 661 690 
20307 77 84 
Total lease payments123 4,053 4,176 
Less: Present value discount11 222 233 
Present value of lease liabilities$112 $3,831 $3,943 
Lease term and discount rate by lease type consisted of the following at the dates indicated:
September 30,
2025		December 31,
2024
Weighted-average remaining lease term:
Operating leases3.7 years4.3 years
Finance leases4.3 years0.0 years
Weighted-average discount rate (annualized):
Operating leases3.09 %2.88 %
Finance leases4.41 %— %

Supplemental cash flow information related to leases was as follows for the periods indicated (in thousands):
Three Months Ended September 30,Nine Months Ended September 30,
2025202420252024
Cash paid for amounts included in the measurement of lease liabilities for operating leases:
Operating cash flows:
Operating leases$294 $278 $853 $836 
Finance leases1 — 4 — 
Financing cash flows:
Finance leases6 — 18 — 
Leases Leases
We currently have operating leases for branch locations, a loan production office and our corporate office. The term for our leases generally begins on the date we become legally obligated for the rent payments or we take possession of the building premises, whichever is earlier. Our real estate leases have initial terms ranging from one to 10.5 years and typically include one renewal option. As of September 30, 2025, our leases had remaining terms ranging from 5 months to 4.7 years. The operating leases require us to pay property taxes and operating expenses for the properties. We also have finance leases for certain equipment, including copier machines which had an initial term of five years and a remaining term of approximately 4.25 years.
The following table presents the lease right-of-use assets and lease liabilities recorded on the Condensed Consolidated Balance Sheets at the dates indicated (in thousands):
September 30,
2025		December 31,
2024
Operating lease right-of-use assets$3,569 $3,725 
Finance lease right-of-use assets110 — 
Operating lease liabilities3,831 4,013 
Finance lease liabilities112 — 
The following table presents the components of lease expense for the periods indicated (in thousands):
Three Months Ended September 30,Nine Months Ended September 30,
2025202420252024
Lease expense
Operating leases$278 $270 $827 $811 
Finance leases
Amortization of right-of-use assets6 — 19 — 
Interest on lease liabilities1 — 4 — 
Sublease income— — — (4)
Net lease expense$285 $270 $850 $807 
The following table presents the schedule of lease liability payments at the date indicated (in thousands):
September 30,Finance LeasesOperating LeasesTotal Lease Payments
2026$29 $1,145 $1,174 
202729 1,137 1,166 
202829 1,033 1,062 
202929 661 690 
20307 77 84 
Total lease payments123 4,053 4,176 
Less: Present value discount11 222 233 
Present value of lease liabilities$112 $3,831 $3,943 
Lease term and discount rate by lease type consisted of the following at the dates indicated:
September 30,
2025		December 31,
2024
Weighted-average remaining lease term:
Operating leases3.7 years4.3 years
Finance leases4.3 years0.0 years
Weighted-average discount rate (annualized):
Operating leases3.09 %2.88 %
Finance leases4.41 %— %

Supplemental cash flow information related to leases was as follows for the periods indicated (in thousands):
Three Months Ended September 30,Nine Months Ended September 30,
2025202420252024
Cash paid for amounts included in the measurement of lease liabilities for operating leases:
Operating cash flows:
Operating leases$294 $278 $853 $836 
Finance leases1 — 4 — 
Financing cash flows:
Finance leases6 — 18 —