Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2024

Regulatory Matters

Schedule of actual capital amounts and ratios

The Bank’s regulatory capital amounts and ratios as of December 31, 2024 and 2023 are also presented in the table below (dollar amounts in thousands):

									Required to Be Well-
					Required for				Capitalized Under
					Capital Adequacy				Prompt Corrective
	Actual				Purposes				Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
December 31, 2024
Tier 1 Capital to Average Assets	$	110,739	20.77	%	$	21,322	4.00	%	$	26,653	5.00	%
Common Equity Tier 1 Capital to Risk-Weighted Assets		110,739	43.22			11,529	4.50			16,654	6.50
Tier 1 Capital to Risk-Weighted Assets		110,739	43.22			15,373	6.00			20,497	8.00
Total Capital to Risk-Weighted Assets		112,453	43.89			20,497	8.00			25,621	10.00
December 31, 2023
Tier 1 Capital to Average Assets	$	84,771	17.41	%	$	19,476	4.00	%	$	24,345	5.00	%
Common Equity Tier 1 Capital to Risk-Weighted Assets		84,771	34.15			11,170	4.50			16,135	6.50
Tier 1 Capital to Risk-Weighted Assets		84,771	34.15			14,894	6.00			19,859	8.00
Total Capital to Risk-Weighted Assets		87,698	35.33			19,858	8.00			24,823	10.00