CAPITAL (Tables)

6 Months Ended

Jun. 30, 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
June 30, 2025:
Total capital to risk weighted assets	$	104,547	15.81%	$  52,908	8.00%	$  66,135	10.00%
Tier 1 capital to risk weighted assets		96,278	14.56%	39,681	6.00%	52,908	8.00%
Tier 1 capital to average assets		96,278	10.74%	35,862	4.00%	44,827	5.00%
Common equity Tier 1 capital
to risk weighted assets		96,278	14.56%	29,761	4.50%	42,988	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%