CAPITAL (Tables)

3 Months Ended

Mar. 31, 2025

Capital

Schedule of bank’s actual capital amounts and ratios presented

	Actual					Minimum Capital Requirement					Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
March 31, 2025:
Total capital to risk weighted assets		101,829		15.86	%	$	51,351		8.00	%	$	64,188		10.00	%
Tier 1 capital to risk weighted assets		93,802		14.61	%		38,513		6.00	%		51,351		8.00	%
Tier 1 capital to average assets		93,802		10.67	%		35,162		4.00	%		43,953		5.00	%
Common equity Tier 1 capital
to risk weighted assets		93,802		14.61	%		28,885		4.50	%		41,722		6.50	%
December 31, 2024:
Total capital to risk weighted assets		101,769		16.19	%	$	50,300		8.00	%		62,875		10.00	%
Tier 1 capital to risk weighted assets		93,907		14.94	%		37,725		6.00	%		50,300		8.00	%
Tier 1 capital to average assets		93,907		10.70	%		35,113		4.00	%		43,892		5.00	%
Common equity Tier 1 capital
to risk weighted assets		93,907		14.94	%		28,294		4.50	%		40,869		6.50	%