REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2024

REGULATORY MATTERS

Schedule of compliance with regulatory capital requirements under banking regulations

(Dollars in thousands)					For Capital				Minimum Capital				To Be Well Capitalized
					Adequacy				Adequacy with				Under Prompt Corrective
	Actual				Purposes				Capital Buffer				Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2024:
Total Capital (to Risk-Weighted Assets)	$	158,282	15.69	%	$	80,723	8.00	%	$	105,949	10.50	%	$	100,904	10.00	%
Tier 1 Capital (to Risk-Weighted Assets)	$	150,508	14.92	%	$	60,542	6.00	%	$	85,768	8.50	%	$	80,723	8.00	%
Common Equity Tier 1 Capital (to Risk-Weighted Assets)	$	150,508	14.92	%	$	45,407	4.50	%	$	70,633	7.00	%	$	65,588	6.50	%
Tier 1 Capital (to Average Assets)	$	150,508	10.24	%	$	58,811	4.00	%	$	58,811	4.00	%	$	73,513	5.00	%

(Dollars in thousands)					For Capital				Minimum Capital				To Be Well Capitalized
					Adequacy				Adequacy with				Under Prompt Corrective
	Actual				Purposes				Capital Buffer				Action Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2023:
Total Capital (to Risk-Weighted Assets)	$	151,381	15.68	%	$	77,247	8.00	%	$	101,386	10.50	%	$	96,558	10.00	%
Tier 1 Capital (to Risk-Weighted Assets)	$	144,290	14.94	%	$	57,935	6.00	%	$	82,074	8.50	%	$	77,247	8.00	%
Common Equity Tier 1 Capital (to Risk-Weighted Assets)	$	144,290	14.94	%	$	43,451	4.50	%	$	67,591	7.00	%	$	62,763	6.50	%
Tier 1 Capital (to Average Assets)	$	144,290	10.38	%	$	55,615	4.00	%	$	55,615	4.00	%	$	69,518	5.00	%