CAPITAL REQUIREMENTS AND RESTRICTIONS ON RETAINED EARNINGS (Tables)

12 Months Ended

Dec. 31, 2024

There have been no conditions or events since that notification that management believes have changed the Company and the Bank’s category.


	Actual				Minimum Required For Capital Adequacy Purposes				For Capital Adequacy Purposes Plus Capital Conservation Buffer				Minimum "Required" to Be "Well" Capitalized Under "Prompt" Corrective Action Regulations
(dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2024
Total Capital (to Risk Weighted Assets)
Consolidated	$	917,769	15.90	%	$	461,847	8.00	%	$	606,175	N/A		N/A		N/A
Bank	909,232		15.76		461,612		8.00		605,866		10.50	%	$	577,015	10.00	%
Tier I Capital (to Risk Weighted Assets)
Consolidated	845,352		14.64		346,385		6.00		490,713		N/A		N/A		N/A
Bank	836,845		14.50		346,209		6.00		490,463		8.50		461,612		8.00
Common Equity Tier 1 (CET1)
Consolidated	845,352		14.64		259,789		4.50		404,116		N/A		N/A		N/A
Bank	836,845		14.50		259,657		4.50		403,911		7.00		375,060		6.50
Tier I Capital (to Average Assets)
Consolidated	845,352		12.15		278,369		4.00		278,369		N/A		N/A		N/A
Bank	836,845		12.03		278,240		4.00		278,240		4.00		347,800		5.00

As of December 31, 2023
Total Capital (to Risk Weighted Assets)
Consolidated	$	870,390	15.47	%	$	450,211	8.00	%	$	590,901	N/A		N/A		N/A
Bank	852,405		15.16		449,894		8.00		590,486		10.50	%	$	562,367	10.00	%
Tier I Capital (to Risk Weighted Assets)
Consolidated	799,929		14.21		337,658		6.00		478,349		N/A		N/A		N/A
Bank	781,999		13.91		337,420		6.00		478,012		8.50		449,894		8.00
Common Equity Tier 1 (CET1)
Consolidated	799,929		14.21		253,243		4.50		393,934		N/A		N/A		N/A
Bank	781,999		13.91		253,065		4.50		393,657		7.00		365,539		6.50
Tier I Capital (to Average Assets)
Consolidated	799,929		11.82		270,636		4.00		270,636		N/A		N/A		N/A
Bank	781,999		11.58		270,041		4.00		270,041		4.00		337,551		5.00