REGULATORY CAPITAL MATTERS (Tables)

9 Months Ended

Sep. 30, 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
September 30, 2025	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	268,578	11.20	%	$	143,840	6.0	%	$	191,787	8.0	%
Consolidated	235,098		9.80		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	268,578		11.20		107,880		4.5		155,827		6.5
Consolidated	235,098		9.80		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	288,524		12.04		191,787		8.0		239,734		10.0
Consolidated	300,044		12.50		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	268,578		8.59		125,064		4.0		156,329		5.0
Consolidated	235,098		7.51		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.