v3.26.1
Borrowings
3 Months Ended
Mar. 31, 2026
Borrowings  
Borrowings

Note 7 — Borrowings

Our borrowings are primarily from the Discount Window at the Federal Reserve Bank of New York (“FRBNY”). On August 30, 2023, the FRBNY approved the Company’s eligibility to pledge loans under the Borrower-in-Custody program of the FRBNY thereby allowing the Company to borrow from the Discount Window at the FRBNY. At March 31, 2026, borrowings from the FRBNY totaled $20.0 million, bearing an interest rate of 3.75% and maturing in May 2026. At December 31, 2025, borrowings from the FRBNY totaled $70.0 million, bearing an interest rate of 3.75%.

At March 31, 2026, the Company had the ability to borrow $866.7 million from the FRBNY, and $8.0 million from Atlantic Community Bankers Bank (“ACBB”).