Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2024

Schedule of actual capital amounts and ratios as well as minimum amounts for each regulatory defined category for the bank and the company

The Bank’s actual and required capital amounts and ratios are as follows (dollars in thousands):

	Actual					Minimum Required For Capital Adequacy Purposes					Minimum Required To Be Well Capitalized Under Prompt Corrective Action Regulations
	Amount		Ratio			Amount		Ratio			Amount		Ratio
2024
Total Capital to risk-weighted assets:	$	111,674		15.00	%	$	59,559		8	%	$	74,449		10	%
Tier 1 (Core) Capital to risk weighted assets:	$	102,347		13.74	%	$	44,693		6	%	$	59,559		8	%
Common Tier 1 Capital to risk weighted assets (CET1):	$	102,347		13.74	%	$	33,520		4.50	%	$	48,417		6.50	%
Tier 1 (Core) Capital to average assets:	$	102,347		11.06	%	$	37,015		4	%	$	46,269		5	%

	Actual					Minimum Required For Capital Adequacy Purposes					Minimum Required To Be Well Capitalized Under Prompt Corrective Action Regulations
	Amount		Ratio			Amount		Ratio			Amount		Ratio
2023
Total Capital to risk-weighted assets:	$	74,142		14.79	%	$	40,114		8	%	$	50,143		10	%
Tier 1 (Core) Capital to risk weighted assets:	$	68,032		13.57	%	$	30,086		6	%	$	40,114		8	%
Common Tier 1 Capital to risk weighted assets (CET1):	$	68,032		13.57	%	$	22,564		4.50	%	$	32,593		6.50	%
Tier 1 (Core) Capital to average assets:	$	68,032		11.66	%	$	23,347		4	%	$	29,184		5	%