REGULATORY CAPITAL MATTERS (Tables)

3 Months Ended

Mar. 31, 2025

The following 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, 2025	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	260,407	11.76	%	$	132,841	6.0	%	$	177,121	8.0	%
Consolidated	229,245		10.35		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	260,407		11.76		99,631		4.5		143,911		6.5
Consolidated	229,245		10.35		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	277,238		12.52		177,121		8.0		221,401		10.0
Consolidated	291,076		13.15		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	260,407		9.24		112,697		4.0		140,872		5.0
Consolidated	229,245		8.12		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, 2024	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	256,419	11.41	%	$	134,831	6.0	%	$	179,774	8.0	%
Consolidated	226,244		10.07		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	256,419		11.41		101,123		4.5		146,067		6.5
Consolidated	226,244		10.07		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	271,981		12.10		179,774		8.0		224,718		10.0
Consolidated	294,807		13.12		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	256,419		8.94		114,681		4.0		143,351		5.0
Consolidated	226,244		7.88		N/A		N/A		N/A		N/A

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(1)Does not include capital conservation buffer.