CAPITAL AND REGULATORY MATTERS (Tables)

6 Months Ended

Jun. 30, 2026

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
June 30, 2026
Total Capital to Risk Weighted Assets:
Consolidated	$	706,237		16.54	%	$	448,427		10.50	%		N/A		N/A
City Bank		619,057		14.50	%		448,169		10.50	%	$	426,794		10.00	%
Tier 1 Capital to Risk Weighted Assets:
Consolidated		647,574		15.16	%		363,012		8.50	%		N/A		N/A
City Bank		571,674		13.39	%		362,803		8.50	%		341,435		8.00	%
Common Equity Tier 1 to Risk Weighted Assets:
Consolidated		602,574		14.11	%		298,951		7.00	%		N/A		N/A
City Bank		571,674		13.39	%		298,779		7.00	%		277,416		6.50	%
Tier 1 Capital to Average Assets:
Consolidated		647,574		12.21	%		215,000		4.00	%		N/A		N/A
City Bank		571,674		10.79	%		214,891		4.00	%		264,979		5.00	%
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 1 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 1 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	%