CAPITAL AND REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2024

CAPITAL AND REGULATORY MATTERS [Abstract]

Actual Capital Amounts and Ratios

The Company and its bank subsidiary’s actual capital amounts and ratios at the dates indicated follows (dollars in thousands):

	Actual					Minimum Required Under BASEL III Fully Phased In					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
December 31, 2024:
Total Capital to Risk Weighted Assets:
Consolidated	$	631,713		17.86	%	$	371,426		10.50	%		N/A		N/A
City Bank		520,788		14.73	%		371,351		10.50	%	$	353,667		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		523,535		14.80	%		300,678		8.50	%		N/A		N/A
City Bank		476,574		13.48	%		300,617		8.50	%		282,934		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		478,535		13.53	%		247,617		7.00	%		N/A		N/A
City Bank		476,574		13.48	%		247,567		7.00	%		229,884		6.50	%
Tier I Capital to Average Assets:
Consolidated		523,535		12.04	%		174,777		4.00	%		N/A		N/A
City Bank		476,574		10.96	%		174,710		4.00	%		217,336		5.00	%

December 31, 2023:
Total Capital to Risk Weighted Assets:
Consolidated	$	589,565	16.74	%	$	369,753	10.50	%		N/A	N/A
City Bank		494,353	14.04	%		369,635	10.50	%	$	352,033	10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		482,044	13.69	%		299,324	8.50	%		N/A	N/A
City Bank		450,607	12.80	%		299,228	8.50	%		281,627	8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		437,044	12.41	%		246,502	7.00	%		N/A	N/A
City Bank		450,607	12.80	%		246,423	7.00	%		228,822	6.50	%
Tier I Capital to Average Assets:
Consolidated		482,044	11.33	%		171,037	4.00	%		N/A	N/A
City Bank		450,607	10.60	%		170,945	4.00	%		212,594	5.00	%