REGULATORY CAPITAL (Tables)

12 Months Ended

Dec. 31, 2025

REGULATORY CAPITAL

Schedule of compliance with regulatory capital requirements under banking regulations

	AT DECEMBER 31, 2025
											TO BE WELL
									MINIMUM		CAPITALIZED
									REQUIRED		UNDER
									FOR		PROMPT
									CAPITAL		CORRECTIVE
									ADEQUACY		ACTION
	COMPANY				BANK				PURPOSES		REGULATIONS*
	AMOUNT		RATIO		AMOUNT		RATIO		RATIO		RATIO
	(IN THOUSANDS, EXCEPT RATIOS)
Total Capital (To Risk Weighted Assets)	$	153,316	13.30	%	$	148,370	12.88	%	8.00	%	10.00	%
Common Equity Tier 1 Capital (To Risk Weighted Assets)		112,994	9.80			134,815	11.70		4.50		6.50
Tier 1 Capital (To Risk Weighted Assets)		112,994	9.80			134,815	11.70		6.00		8.00
Tier 1 Capital (To Average Assets)		112,994	7.79			134,815	9.32		4.00		5.00

* Applies to the Bank only.

	AT DECEMBER 31, 2024
											TO BE WELL
									MINIMUM		CAPITALIZED
									REQUIRED		UNDER
									FOR		PROMPT
									CAPITAL		CORRECTIVE
									ADEQUACY		ACTION
	COMPANY				BANK				PURPOSES		REGULATIONS*
	AMOUNT		RATIO		AMOUNT		RATIO		RATIO		RATIO
	(IN THOUSANDS, EXCEPT RATIOS)
Total Capital (To Risk Weighted Assets)	$	150,147	12.70	%	$	143,619	12.16	%	8.00	%	10.00	%
Common Equity Tier 1 Capital (To Risk Weighted Assets)		108,643	9.19			128,854	10.91		4.50		6.50
Tier 1 Capital (To Risk Weighted Assets)		108,643	9.19			128,854	10.91		6.00		8.00
Tier 1 Capital (To Average Assets)		108,643	7.68			128,854	9.15		4.00		5.00

* Applies to the Bank only.