At June 30, 2026, the Company had operating leases for three retail bank branch offices and an administrative office. The Company's leases have remaining terms ranging from three to 24 years, and include options to extend the leases for up to a total of fifteen years. Lease extensions are not certain, and the Company evaluates each lease based on the specific circumstances for the location to determine the probability of exercising the extension in the calculation of ROU assets and lease liabilities.

The components of lease cost (included in the premises and equipment expense category in the consolidated statements of income) for the three and nine months ended June 30, 2026 and 2025 were as follows (dollars in thousands):


	Three Months Ended June 30,				Nine Months Ended June 30,
Lease cost:	2026		2025		2026		2025
Operating lease cost	$	147	$	87	$	404	$	284
Short-term lease cost	—		—		—		—
Total lease cost	$	147	$	87	$	404	$	284

The following table provides supplemental information related to operating leases at or for the three and nine months ended June 30, 2026 and 2025 (dollars in thousands):


	At or For the Three Months Ended June 30, 2026			At or For the Nine Months Ended June 30, 2026
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	117		$	306
Weighted average remaining lease term-operating leases	14.5 years			14.5 years
Weighted average discount rate-operating leases	4.22		%	4.22		%


	At or For the Three Months Ended June 30, 2025			At or For the Nine Months Ended June 30, 2025
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	84		$	252
Weighted average lease term-operating leases	5.5 years			5.5 years
Weighted average discount rate-operating leases	2.35		%	2.35		%

The Company's leases typically do not contain a discount rate implicit in the lease contracts. As an alternative, the weighted average discount rate used to estimate the present value of future lease payments in calculating the value of the ROU asset and lease liability was determined by utilizing the FHLB fixed-rate credit advance borrowing rate for the term correlating to the remaining term of each lease.

Maturities of operating lease liabilities at June 30, 2026 for future fiscal years are as follows (dollars in thousands):


Remainder of Fiscal 2026	$	123
Fiscal 2027	494
Fiscal 2028	504
Fiscal 2029	505
Fiscal 2030	499
Thereafter	4,235
Total lease payments	6,360
Less imputed interest	2,037
Total	$	4,323