REGULATORY CAPITAL MATTERS (Tables)

6 Months Ended

Jun. 30, 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
June 30, 2024	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	249,300	11.22	%	$	133,374	6.0	%	$	177,832	8.0	%
Consolidated	220,558		9.92		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	249,300		11.22		100,030		4.5		144,488		6.5
Consolidated	220,558		9.92		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	274,517		12.35		177,832		8.0		222,290		10.0
Consolidated	298,775		13.44		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	249,300		8.95		111,439		4.0		139,299		5.0
Consolidated	220,558		7.91		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.