REGULATORY CAPITAL MATTERS (Tables)

3 Months Ended

Mar. 31, 2026

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, 2026	Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 capital to risk-weighted assets
Bank	$	279,418	11.33	%	$	147,927	6.0	%	$	197,236	8.0	%
Consolidated	244,351		9.90		N/A		N/A		N/A		N/A
CET1 to risk-weighted assets
Bank	279,418		11.33		110,945		4.5		160,254		6.5
Consolidated	244,351		9.90		N/A		N/A		N/A		N/A
Total capital to risk-weighted assets
Bank	300,925		12.21		197,236		8.0		246,544		10.0
Consolidated	308,859		12.52		N/A		N/A		N/A		N/A
Tier 1 capital to average assets
Bank	279,418		9.01		123,984		4.0		154,980		5.0
Consolidated	244,351		7.88		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, 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

______________________________________

(1)Does not include capital conservation buffer.