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OTHER EXPENSES

9 Months Ended

Sep. 30, 2025

NOTE 13 – OTHER EXPENSES

The Company’s other expenses for the periods indicated consisted of the following:


	Three months ended				Nine months ended
	September 30,				September 30,
	2025		2024		2025		2024
Professional fees	$	474	$	594	$	1,522	$	1,854
Core deposit premium amortization		242		305		749		917
Marketing and promotions		226		238		634		607
Stationery and supplies		66		57		210		215
Insurance (including FDIC premiums)		340		361		1,069		1,070
Communication and postage		275		271		780		785
Loan default related expense		(345)		128		(495)		287
Director fees and expenses		68		79		203		249
Bank service charges		16		16		50		48
Courier expense		144		177		482		557
Other		91		97		388		449
Total	$	1,597	$	2,323	$	5,592	$	7,038

The Company expenses marketing and promotion costs as they are incurred. Advertising expense included in marketing and promotions totaled $12,000 and $26,000 for the three and nine months ended September 30, 2025, and $10,000 and $38,000 for the three and nine months ended September 30, 2024, respectively.