REGULATORY CAPITAL MATTERS (Tables)

3 Months Ended

Mar. 31, 2024

The following table presents the actual and required capital amounts and ratios as of dates noted (dollars in thousands):


	Actual				Required for Capital Adequacy Purposes(1)				To be Well Capitalized Under Prompt Corrective Action Regulations
March 31, 2024	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	246,644	11.00	%	$	134,549	6.0	%	$	179,399	8.0	%
Consolidated	219,258		9.77		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	246,644		11.00		100,912		4.5		145,762		6.5
Consolidated	219,258		9.77		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	269,484		12.02		179,399		8.0		224,249		10.0
Consolidated	295,098		13.15		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	246,644		8.70		113,381		4.0		141,727		5.0
Consolidated	219,258		7.73		N/A		N/A		N/A		N/A


	Actual				Required for Capital Adequacy Purposes(1)				To be Well Capitalized Under Prompt Corrective Action Regulations
December 31, 2023	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	244,390	10.54	%	$	139,126	6.0	%	$	185,502	8.0	%
Consolidated	218,150		9.40		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	244,390		10.54		104,345		4.5		150,720		6.5
Consolidated	218,150		9.40		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	265,391		11.45		185,502		8.0		231,877		10.0
Consolidated	292,151		12.59		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	244,390		8.71		112,244		4.0		140,306		5.0
Consolidated	218,150		7.77		N/A		N/A		N/A		N/A

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(1)Does not include capital conservation buffer.