CAPITAL AND REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 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 Fully Phased-In					To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio
December 31, 2025:
Total Capital to Risk Weighted Assets:
Consolidated	$	622,485		17.26	%	$	378,645		10.50	%		N/A		N/A
City Bank		537,444		14.91	%		378,576		10.50	%	$	360,549		10.00	%
Tier I Capital to Risk Weighted Assets:
Consolidated		566,107		15.70	%		306,522		8.50	%		N/A		N/A
City Bank		492,355		13.66	%		306,466		8.50	%		288,439		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		521,107		14.45	%		252,430		7.00	%		N/A		N/A
City Bank		492,355		13.66	%		252,384		7.00	%		234,357		6.50	%
Tier I Capital to Average Assets:
Consolidated		566,107		12.53	%		181,591		4.00	%		N/A		N/A
City Bank		492,355		10.90	%		181,512		4.00	%		225,868		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 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	%