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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

%