v3.26.1
Leases
3 Months Ended
Mar. 31, 2026
Leases [Abstract]  
Leases
Note 10 - Leases
The Company leases office space, classified as operating leases, in the normal course of business at varying lengths through 2033. Leases are negotiated with third parties and, in some instances, contain renewal, expansion and termination options. As of March 31, 2026 and December 31, 2025, the Company recorded ROU assets of $8.0 million and $8.4 million within Prepaid expenses and other assets, and operating lease liabilities of $10.0 million and $10.5 million within other liabilities, on the consolidated balance sheets, respectively. All lease commencement dates are recorded as of July 1, 2025 in conjunction with the acquisition of NewPoint.
Three Months Ended
March 31, 2026
Three Months Ended
March 31, 2025
Lease Cost:
Operating lease cost$588 $— 
Variable lease cost213 — 
Net lease cost$801 $ 
Other Information
Operating cash outflows from operating leases$659 $— 
 
Weighted-average remaining lease term5.3
Weighted-average discount rate6.7 %
Operating lease cost is included in Other expenses in the consolidated statement of operations. The discount rate was determined by using the Company's incremental borrowing rate.
The following table shows future minimum payments under the Company's operating leases as of March 31, 2026 (dollars in thousands):
Future Minimum PaymentsMarch 31, 2026
2026 (Nine Months Ended December 31, 2026)$2,007 
20272,528 
20282,381 
20292,004 
2030804 
2031 and beyond2,246 
Total Lease Payments11,970 
Less: imputed interest(1,943)
Total$10,027 
Rental Income
Rental income for the three months ended March 31, 2026 and 2025 totaled $6.9 million and $6.8 million, respectively. Rental income is included in Revenue from real estate owned in the consolidated statements of operations.
The following table summarizes the Company's schedule of future minimum rents on its real estate owned, held for investment properties, to be received under the leases (dollars in thousands):
Future Minimum RentsMarch 31, 2026
2026 (Nine Months Ended December 31, 2026)$6,676 
20278,710 
20288,884 
20299,062 
20309,243 
2031 and beyond79,083 
Total future minimum rent$121,658 
Leases
Note 10 - Leases
The Company leases office space, classified as operating leases, in the normal course of business at varying lengths through 2033. Leases are negotiated with third parties and, in some instances, contain renewal, expansion and termination options. As of March 31, 2026 and December 31, 2025, the Company recorded ROU assets of $8.0 million and $8.4 million within Prepaid expenses and other assets, and operating lease liabilities of $10.0 million and $10.5 million within other liabilities, on the consolidated balance sheets, respectively. All lease commencement dates are recorded as of July 1, 2025 in conjunction with the acquisition of NewPoint.
Three Months Ended
March 31, 2026
Three Months Ended
March 31, 2025
Lease Cost:
Operating lease cost$588 $— 
Variable lease cost213 — 
Net lease cost$801 $ 
Other Information
Operating cash outflows from operating leases$659 $— 
 
Weighted-average remaining lease term5.3
Weighted-average discount rate6.7 %
Operating lease cost is included in Other expenses in the consolidated statement of operations. The discount rate was determined by using the Company's incremental borrowing rate.
The following table shows future minimum payments under the Company's operating leases as of March 31, 2026 (dollars in thousands):
Future Minimum PaymentsMarch 31, 2026
2026 (Nine Months Ended December 31, 2026)$2,007 
20272,528 
20282,381 
20292,004 
2030804 
2031 and beyond2,246 
Total Lease Payments11,970 
Less: imputed interest(1,943)
Total$10,027 
Rental Income
Rental income for the three months ended March 31, 2026 and 2025 totaled $6.9 million and $6.8 million, respectively. Rental income is included in Revenue from real estate owned in the consolidated statements of operations.
The following table summarizes the Company's schedule of future minimum rents on its real estate owned, held for investment properties, to be received under the leases (dollars in thousands):
Future Minimum RentsMarch 31, 2026
2026 (Nine Months Ended December 31, 2026)$6,676 
20278,710 
20288,884 
20299,062 
20309,243 
2031 and beyond79,083 
Total future minimum rent$121,658