REGULATORY CAPITAL MATTERS (Tables)

9 Months Ended

Sep. 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
September 30, 2024	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	252,549	11.39	%	$	133,040	6.0	%	$	177,387	8.0	%
Consolidated	223,126		10.06		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	252,549		11.39		99,780		4.5		144,127		6.5
Consolidated	223,126		10.06		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	268,970		12.13		177,387		8.0		221,734		10.0
Consolidated	292,546		13.19		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	252,549		9.11		110,905		4.0		138,632		5.0
Consolidated	223,126		8.04		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

______________________________________

(1)Does not include capital conservation buffer.