CAPITAL (Tables)

9 Months Ended

Sep. 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
September 30, 2025:
Total capital to risk weighted assets		107,263		16.05	%	$	53,471		8.00	%	$	66,839		10.00	%
Tier 1 capital to risk weighted assets		98,907		14.80	%		40,103		6.00	%		53,471		8.00	%
Tier 1 capital to average assets		98,907		10.80	%		36,644		4.00	%		45,805		5.00	%
Common equity Tier 1 capital
to risk weighted assets		98,907		14.80	%		30,078		4.50	%		43,445		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	%