CAPITAL AND REGULATORY MATTERS (Tables)

9 Months Ended

Sep. 30, 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
September 30, 2025
Total Capital to Risk Weighted Assets:
Consolidated	$	611,541		17.34	%	$	370,388		10.50	%		N/A		N/A
City Bank		533,034		15.11	%		370,347		10.50	%	$	352,711		10.00	%
Tier 1 Capital to Risk Weighted Assets:
Consolidated		553,326		15.69	%		299,838		8.50	%		N/A		N/A
City Bank		488,925		13.86	%		299,804		8.50	%		282,169		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		508,326		14.41	%		246,926		7.00	%		N/A		N/A
City Bank		488,925		13.86	%		246,898		7.00	%		229,262		6.50	%
Tier 1 Capital to Average Assets:
Consolidated		553,326		12.37	%		179,724		4.00	%		N/A		N/A
City Bank		488,925		10.94	%		179,648		4.00	%		223,531		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	%