Regulatory Capital Matters (Tables)

12 Months Ended

Dec. 31, 2024

The following table presents the regulatory capital amounts and ratios for the Company and the Bank as of dates indicated:



	December 31, 2024
	Actual(1)				Required for Capital Adequacy Purposes				Minimum To be Considered "Well Capitalized"
($ in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total capital (to risk-weighted assets)
Consolidated	$	244,659	12.60	%	N/A		N/A		N/A		N/A
Bank	242,966		12.50		$	155,463	8.00	%	$	194,328	10.00	%
Tier 1 capital (to risk-weighted assets)
Consolidated	220,390		11.35		N/A		N/A		N/A		N/A
Bank	218,675		11.25		116,597		6.00		155,463		8.00
Common equity Tier 1 capital (to risk-weighted assets)
Consolidated	220,390		11.35		N/A		N/A		N/A		N/A
Bank	218,675		11.25		87,448		4.50		126,313		6.50
Tier 1 capital (to average assets)
Consolidated	220,390		9.27		N/A		N/A		N/A		N/A
Bank	218,675		9.20		95,055		4.00		118,819		5.00

(1)The capital requirements are only applicable to the Bank, and the Company's ratios are included for comparison purpose.



	December 31, 2023
	Actual(1)				Required for Capital Adequacy Purposes				Minimum To be Considered "Well Capitalized"
($ in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total capital (to risk-weighted assets)
Consolidated	$	229,544	13.77	%	N/A		N/A		N/A		N/A
Bank	227,773		13.66		$	133,353	8.00	%	$	166,691	10.00	%
Tier 1 capital (to risk-weighted assets)
Consolidated	208,707		12.52		N/A		N/A		N/A		N/A
Bank	206,936		12.41		100,014		6.00		133,353		8.00
Common equity Tier 1 capital (to risk-weighted assets)
Consolidated	208,707		12.52		N/A		N/A		N/A		N/A
Bank	206,936		12.41		75,011		4.50		108,349		6.50
Tier 1 capital (to average assets)
Consolidated	208,707		9.57		N/A		N/A		N/A		N/A
Bank	206,936		9.49		87,207		4.00		109,008		5.00

(1)The capital requirements are only applicable to the Bank, and the Company's ratios are included for comparison purpose.