LEASES

6 Months Ended

Jun. 30, 2026

LEASES

LEASES

NOTE 11 — LEASES

The following table depicts the Company’s future minimum lease payments as of June 30, 2026:

	Operating
	Leases
Consumer
2026	$	586,694
2027		961,983
2028		728,302
2029		610,411
2030		281,919
Thereafter		33,076
Total minimum lease payments		3,202,385
Less: imputed interest		(247,350)
Sub-total		2,955,035
Commercial
2026		922,941
2027		1,512,428
2028		1,535,763
2029		1,578,575
2030		1,596,986
Thereafter		550,062
Total minimum lease payments		7,696,756
Less: imputed interest		(922,256)
Sub-total		6,774,500
Total		9,729,535
Less: current portion		2,352,798
	$	7,376,737

All of the Company’s leased facilities as of June 30, 2026, are non-cancellable. The leases are a combination of triple-net leases, under which the Company pays its proportionate share of common area maintenance, property taxes, and property insurance, and modified-gross leases, under which the Company pays for common area maintenance and property insurance.

The following table depicts supplemental cash flow information related to operating leases:

	Six Months Ended June 30,
	2026		2025
Non-cash activities: right-of-use operating lease assets obtained in exchange for new operating lease liabilities	$	323,973	$	951,464

The following table depicts the Company’s leasing costs for the three months ended June 30, 2026 and 2025:

	Three Months Ended June 30,
	2026						2025
	Consumer		Commercial		Consolidated		Consumer		Commercial		Consolidated
Operating lease cost	$	304,481	$	467,134	$	771,615	$	281,099	$	324,454	$	605,553
Variable lease cost		65,536		151,371		216,907		58,209		156,874		215,083
Short-term lease cost		1,566		7,131		8,697		—		31,191		31,191
	$	371,583	$	625,636	$	997,219	$	339,308	$	512,519	$	851,827

The following table depicts the Company’s leasing costs for the six months ended June 30, 2026 and 2025:

	Six Months Ended June 30,
	2026						2025
	Consumer		Commercial		Consolidated		Consumer		Commercial		Consolidated
Operating lease cost	$	603,000	$	934,772	$	1,537,772	$	544,164	$	663,882	$	1,208,046
Variable lease cost		128,332		306,006		434,338		117,868		302,796		420,664
Short-term lease cost		3,337		96,717		100,054		30,999		70,454		101,453
	$	734,669	$	1,337,495	$	2,072,164	$	693,031	$	1,037,132	$	1,730,163

As of June 30, 2026, the weighted average remaining lease term and weighted average discount rate for operating leases were 4.2 years and 5.2%. As of June 30, 2025, the weighted average remaining lease term and weighted average discount rate for operating leases were 2.8 years and 4.2%.