Premises and Equipment

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment [Abstract]

Premises and Equipment

PREMISES AND EQUIPMENT (Dollars In Thousands)

A summary of premises and equipment at December 31, 2025 and 2024 is presented below:

	2025		2024
Land and Bank Premises	$	64,472	$	60,118
Equipment, Furniture and Fixtures	40,899		38,452
Construction in Progress	594		3,403
Leasehold Improvements	5,242		5,243
Total Cost	111,207		107,216
Accumulated Depreciation and Amortization	(55,880)		(51,782)
Net Owned Premises and Equipment	55,327		55,434
Leased Assets (see Note 18. Leases to the Consolidated Financial Statements)	4,106		4,283
Net Premises and Equipment	$	59,433	$	59,717

Amounts charged to expense for depreciation totaled $4,731, $4,432 and $3,752 in 2025, 2024 and 2023, respectively. During 2025, the multi-year renovation project to enhance and improve the Queensbury branch location was completed and accordingly, capital expenses were transferred out of Construction in Progress.