CAPITAL AND REGULATORY MATTERS (Tables)

3 Months Ended

Mar. 31, 2025

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					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
March 31, 2025
Total Capital to Risk Weighted Assets:
Consolidated	$	634,025		17.93	%	$	371,389		10.50	%		N/A		N/A
City Bank		521,334		14.74	%		371,311		10.50	%	$	353,629		10.00	%
Tier 1 Capital to Risk Weighted Assets:
Consolidated		525,802		14.87	%		300,649		8.50	%		N/A		N/A
City Bank		477,127		13.49	%		300,585		8.50	%		282,903		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		480,802		13.59	%		247,593		7.00	%		N/A		N/A
City Bank		477,127		13.49	%		247,540		7.00	%		229,859		6.50	%
Tier 1 Capital to Average Assets:
Consolidated		525,802		12.04	%		175,541		4.00	%		N/A		N/A
City Bank		477,127		10.93	%		175,467		4.00	%		218,289		5.00	%
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 1 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 1 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	%