v3.26.1
Premises and Equipment
6 Months Ended
Jun. 30, 2026
Premises and Equipment  
Premises and Equipment

6.Premises and Equipment

Premises and equipment consist of the following (in thousands):

  ​ ​ ​

June 30, 

  ​ ​ ​

December 31, 

2026

2025

Land

$

961

$

961

Buildings and improvements

 

17,575

 

17,459

Furniture, fixtures, and equipment

 

2,710

 

2,666

Total

 

21,246

 

21,086

Less accumulated depreciation

 

14,047

 

13,725

Construction in progress

 

138

 

59

$

7,337

$

7,420

The Bank leases a building for one of its branches. The Bank does not have any future lease commitments for that facility, and is operating on a month-to-month basis. Rent expense was $20,400 and $40,800 during the three and six months ended June 30, 2026, respectively. Rent expense was $20,400 and $40,800 during the three and six months ended June 30, 2025, respectively. The Bank also leases its Oak Park office. The three year lease was effective in January of 2023 and expired on December 31, 2025, and the Bank did not include renewal option periods in the original right of use asset as the renewal option was not determined to be reasonably certain to occur at lease inception. The lease was renewed in January of 2026. The right of use asset and lease liability are $337,661 and $339,174, respectively, as of June 30, 2026, and $0 as of December 31, 2025. The right of use asset is included in other assets on the consolidated balance sheet and the lease liability is included in accounts payable and accrued expenses on the consolidated balance sheet. There are four years and six months remaining on the lease, all payments will be made by 2030. The payments remaining on the lease consist of the following for the periods presented:

  ​ ​ ​

Remaining Future

Lease Payments

2026

$

39,000

2027

 

80,000

2028

 

82,000

2029

83,000

2030

85,000

$

369,000