REGULATORY CAPITAL MATTERS (Tables)

12 Months Ended

Dec. 31, 2025

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


	Actual				Required for Capital Adequacy Purposes(1)				To be Well Capitalized Under Prompt Corrective Action Regulations
December 31, 2025	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	273,025	11.15	%	$	146,854	6.0	%	$	195,805	8.0	%
Consolidated	238,886		9.75		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	273,025		11.15		110,140		4.5		159,092		6.5
Consolidated	238,886		9.75		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	293,487		11.99		195,805		8.0		244,756		10.0
Consolidated	302,347		12.34		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	273,025		8.79		124,259		4.0		155,324		5.0
Consolidated	238,886		7.68		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.