Related-Party Transactions

12 Months Ended

Dec. 31, 2025

Related-Party Transactions [Abstract]

Related-Party Transactions

Note 13: Related-Party Transactions

At December 31, 2025 and December 31, 2024, the Company had loans outstanding to executive officers, directors, significant shareholders and their affiliates (related parties) in the amount of $10.5 million and $10.8 million, respectively.  A summary of these loans is as follows (dollars in thousands):

	Balance							Balance
	Beginning of				Collections/			End of
Year Ended December 31,	the Period		Additions		Terminations			the Period
2025	$	10,846	$	544	$	(939	)	$	10,451

The Company holds deposits from related parties, including directors, executive officers, and their related interests. At December 31, 2025 these related party deposits totaled $66.6 million. These deposit balances represented 26.55% of total stockholders’ equity at December 31, 2025. All such deposits were made in the ordinary course of business on substantially the same terms, including interest rates, as those prevailing at the time for comparable transactions with other persons.

The Bank leases office and retail banking space in Oklahoma City and Woodward, Oklahoma from Central Park on Lincoln, LLC and Haines Realty Investments Company, LLC, respectively, both related parties of the Company.  Lease expense totaled $326,000, $286,000 and $251,000 for the years ended December 31, 2025, 2024 and 2023, respectively.  In addition, payroll and office sharing arrangements were in place between the Company and certain of its affiliates.