REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2024

REGULATORY MATTERS

Schedule of capital ratios

											Minimum To Be Well
					Minimum			Minimum To Maintain			Capitalized Under			Minimum To Meet
					Capital			Capital Conservation			Prompt Corrective			the Corporation's
	Actual				Requirement			Buffer at Reporting Date			Action Provisions			Policy Thresholds
(Dollars In Thousands)		Amount	Ratio		Amount	Ratio		Amount	Ratio		Amount	Ratio		Amount		Ratio
December 31, 2024:
Total capital to risk-weighted assets:
Consolidated	$	302,783	15.95	%	N/A	N/A		N/A	N/A		N/A	N/A		$	208,779	³11	%
C&N Bank		287,721	15.19	%	151,567	³8	%	198,832	³10.5	%	189,459	³10	%		208,405	³11	%
Tier 1 capital to risk-weighted assets:
Consolidated		257,462	13.56	%	N/A	N/A		N/A	N/A		N/A	N/A			170,819	³9	%
C&N Bank		267,231	14.10	%	113,675	³6	%	161,040	³8.5	%	151,567	³8	%		170,513	³9	%
Common equity tier 1 capital to risk-weighted assets:
Consolidated		257,462	13.56	%	N/A	N/A		N/A	N/A		N/A	N/A			142,349	³7.5	%
C&N Bank		267,231	14.10	%	85,256	³4.5	%	132,621	³7.0	%	123,148	³6.5	%		142,094	³7.5	%
Tier 1 capital to average assets:
Consolidated		257,462	9.80	%	N/A	N/A		N/A	N/A		N/A	N/A			210,160	³8	%
C&N Bank		267,231	10.23	%	104,514	³4	%	N/A	N/A		130,642	³5	%		209,027	³8	%
December 31, 2023:
Total capital to risk-weighted assets:
Consolidated	$	290,425	15.67	%	N/A	N/A		N/A	N/A		N/A	N/A		$	203,809	³11	%
C&N Bank		275,307	14.89	%	147,925	³8	%	194,151	³10.5	%	184,906	³10	%		203,396	³11	%
Tier 1 capital to risk-weighted assets:
Consolidated		245,810	13.27	%	N/A	N/A		N/A	N/A		N/A	N/A			166,753	³9	%
C&N Bank		255,409	13.81	%	110,943	³6	%	157,170	³8.5	%	147,925	³8	%		166,415	³9	%
Common equity tier 1 capital to risk-weighted assets:
Consolidated		245,810	13.27	%	N/A	N/A		N/A	N/A		N/A	N/A			138,961	³7.5	%
C&N Bank		255,409	13.81	%	83,208	³4.5	%	129,434	³7.0	%	120,189	³6.5	%		138,679	³7.5	%
Tier 1 capital to average assets:
Consolidated		245,810	9.87	%	N/A	N/A		N/A	N/A		N/A	N/A			199,151	³8	%
C&N Bank		255,409	10.32	%	99,010	³4	%	N/A	N/A		123,762	³5	%		198,020	³8	%

Schedule of minimum risk-based capital ratios, and the capital ratios including the capital conservation buffer

Minimum common equity tier 1 capital ratio	4.5	%
Minimum common equity tier 1 capital ratio plus capital conservation buffer	7.0	%
Minimum tier 1 capital ratio	6.0	%
Minimum tier 1 capital ratio plus capital conservation buffer	8.5	%
Minimum total capital ratio	8.0	%
Minimum total capital ratio plus capital conservation buffer	10.5	%

Schedule of summary of payout restrictions based on the capital conservation buffer

Capital Conservation Buffer	Maximum Payout
(as a % of risk-weighted assets)	(as a % of eligible retained income)
Greater than 2.5%	No payout limitation applies
≤2.5% and >1.875%	60	%
≤1.875% and >1.25%	40	%
≤1.25% and >0.625%	20	%
≤0.625%	0	%